Home > Albina Community Bank > Performance and Condition Ratios
Albina Community Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0963% | 3,071 |
| Cost of funding earning assets | 0.1250% | 5,389 |
| Net interest margin | 3.9713% | 1,839 |
| Noninterest income to average assets | 0.9678% | 1,100 |
| Noninterest expense to average assets | 4.0760% | 482 |
| Loan and lease loss provision to assets | 0.3470% | 457 |
| Net operating income to assets | -0.0738% | 5,402 |
| Return on assets (ROA) | -0.0738% | 5,405 |
| Pretax return on assets | 0.3193% | 5,191 |
| Return on Equity (ROE) | -0.7623% | 5,416 |
| Retained earnings to average equity (ytd only) | -0.7623% | 5,154 |
| Net charge-offs to loans | -0.0098% | 4,786 |
| Credit loss provision to net charge-offs | -5,208.3333% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9501% | 649 |
| Assets per employee ($millions) | 3.8426% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2024% | 368 |
| Loan loss allowance to noncurrent loans | 2,198.4000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 4,778 |
| Noncurrent loans to loans | 0.1002% | 4,538 |
| Net loans and leases to total assets | 67.5642% | 2,880 |
| Net loans and leases to deposits | 75.7944% | 3,351 |
| Net loans and leases to core deposits | 79.6906% | 3,447 |
| Total domestic deposits to total assets | 89.1414% | 936 |
| Equity capital to assets | 9.5729% | 4,167 |
| Core capital (leverage) ratio | 9.4228% | 4,132 |
| Tier 1 risk-based capital ratio | 12.8414% | 4,008 |
| Total risk-based capital ratio | 14.1012% | 3,897 |
| Memoranda: | ||
| Average total assets | $180,102,400 | 3,112 |
| Average earning assets | $171,178,600 | 3,053 |
| Average equity | $17,446,600 | 3,439 |
| Average total loans | $122,195,600 | 3,026 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,329 |
| Cost of funding earning assets | 0.1254% | 5,452 |
| Net interest margin | 3.8825% | 2,099 |
| Noninterest income to average assets | 1.0557% | 917 |
| Noninterest expense to average assets | 4.1804% | 417 |
| Loan and lease loss provision to assets | 0.4630% | 271 |
| Net operating income to assets | 0.0859% | 5,455 |
| Return on assets (ROA) | 0.0859% | 5,467 |
| Pretax return on assets | 0.1045% | 5,460 |
| Return on Equity (ROE) | 0.8845% | 5,445 |
| Retained earnings to average equity (ytd only) | 0.8845% | 5,008 |
| Net charge-offs to loans | -0.0110% | 4,657 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0481% | 508 |
| Assets per employee ($millions) | 3.8937% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1811% | 423 |
| Loan loss allowance to noncurrent loans | 2,250.8197% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 4,908 |
| Noncurrent loans to loans | 0.0969% | 4,679 |
| Net loans and leases to total assets | 65.8949% | 3,119 |
| Net loans and leases to deposits | 74.0132% | 3,563 |
| Net loans and leases to core deposits | 78.5598% | 3,585 |
| Total domestic deposits to total assets | 89.0313% | 870 |
| Equity capital to assets | 9.4678% | 4,474 |
| Core capital (leverage) ratio | 9.6866% | 3,953 |
| Tier 1 risk-based capital ratio | 12.8257% | 4,125 |
| Total risk-based capital ratio | 14.0856% | 4,026 |
| Memoranda: | ||
| Average total assets | $179,977,250 | 3,137 |
| Average earning assets | $171,158,250 | 3,082 |
| Average equity | $17,486,000 | 3,465 |
| Average total loans | $121,551,750 | 3,057 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,446 |
| Cost of funding earning assets | 0.1265% | 5,471 |
| Net interest margin | 3.8050% | 2,270 |
| Noninterest income to average assets | 1.0154% | 984 |
| Noninterest expense to average assets | 4.5230% | 311 |
| Loan and lease loss provision to assets | 0.6754% | 163 |
| Net operating income to assets | -0.3028% | 5,647 |
| Return on assets (ROA) | -0.3028% | 5,648 |
| Pretax return on assets | -0.5606% | 5,681 |
| Return on Equity (ROE) | -3.0891% | 5,653 |
| Retained earnings to average equity (ytd only) | -3.0891% | 5,438 |
| Net charge-offs to loans | -0.0200% | 4,780 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5243% | 221 |
| Assets per employee ($millions) | 3.7985% | 4,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 406 |
| Loan loss allowance to noncurrent loans | 54,460.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,303 |
| Noncurrent loans to loans | 0.0041% | 5,182 |
| Net loans and leases to total assets | 65.2242% | 3,226 |
| Net loans and leases to deposits | 73.1036% | 3,634 |
| Net loans and leases to core deposits | 78.2752% | 3,570 |
| Total domestic deposits to total assets | 89.2216% | 847 |
| Equity capital to assets | 9.5103% | 4,392 |
| Core capital (leverage) ratio | 9.6397% | 3,974 |
| Tier 1 risk-based capital ratio | 12.9856% | 4,005 |
| Total risk-based capital ratio | 14.2458% | 3,920 |
| Memoranda: | ||
| Average total assets | $177,671,000 | 3,185 |
| Average earning assets | $169,147,670 | 3,121 |
| Average equity | $17,416,330 | 3,478 |
| Average total loans | $120,102,000 | 3,093 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 3,470 |
| Cost of funding earning assets | 0.1293% | 5,494 |
| Net interest margin | 3.7493% | 2,315 |
| Noninterest income to average assets | 1.2707% | 628 |
| Noninterest expense to average assets | 4.9731% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0525% | 5,630 |
| Return on assets (ROA) | -0.0525% | 5,636 |
| Pretax return on assets | -0.1300% | 5,654 |
| Return on Equity (ROE) | -0.5271% | 5,639 |
| Retained earnings to average equity (ytd only) | -0.5271% | 5,004 |
| Net charge-offs to loans | -0.0201% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6849% | 195 |
| Assets per employee ($millions) | 3.7138% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 65.3534% | 3,067 |
| Net loans and leases to deposits | 73.5436% | 3,445 |
| Net loans and leases to core deposits | 79.9702% | 3,299 |
| Total domestic deposits to total assets | 88.8635% | 1,221 |
| Equity capital to assets | 9.7952% | 3,982 |
| Core capital (leverage) ratio | 9.7535% | 3,808 |
| Tier 1 risk-based capital ratio | 13.2601% | 3,905 |
| Total risk-based capital ratio | 14.5146% | 3,827 |
| Memoranda: | ||
| Average total assets | $175,342,500 | 3,247 |
| Average earning assets | $167,071,000 | 3,174 |
| Average equity | $17,454,500 | 3,490 |
| Average total loans | $119,330,500 | 3,118 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 3,826 |
| Cost of funding earning assets | 0.1373% | 5,503 |
| Net interest margin | 3.6857% | 2,757 |
| Noninterest income to average assets | 0.7722% | 1,870 |
| Noninterest expense to average assets | 3.7543% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3148% | 5,184 |
| Return on assets (ROA) | 0.3148% | 5,253 |
| Pretax return on assets | 0.4987% | 5,027 |
| Return on Equity (ROE) | 3.0797% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.0797% | 3,710 |
| Net charge-offs to loans | -0.0428% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2744% | 652 |
| Assets per employee ($millions) | 3.9188% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 1,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.3973% | 2,711 |
| Net loans and leases to deposits | 77.2487% | 3,181 |
| Net loans and leases to core deposits | 82.5002% | 3,171 |
| Total domestic deposits to total assets | 88.5417% | 1,360 |
| Equity capital to assets | 10.1192% | 3,581 |
| Core capital (leverage) ratio | 10.1908% | 3,236 |
| Tier 1 risk-based capital ratio | 13.0855% | 4,010 |
| Total risk-based capital ratio | 14.3403% | 3,923 |
| Memoranda: | ||
| Average total assets | $169,647,400 | 3,289 |
| Average earning assets | $160,214,400 | 3,235 |
| Average equity | $17,339,600 | 3,506 |
| Average total loans | $112,160,200 | 3,188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,959 |
| Cost of funding earning assets | 0.1374% | 5,565 |
| Net interest margin | 3.6499% | 2,891 |
| Noninterest income to average assets | 0.7868% | 1,819 |
| Noninterest expense to average assets | 3.8092% | 736 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2644% | 5,363 |
| Return on assets (ROA) | 0.2644% | 5,437 |
| Pretax return on assets | 0.4151% | 5,278 |
| Return on Equity (ROE) | 2.5800% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.5800% | 4,364 |
| Net charge-offs to loans | -0.0290% | 5,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1737% | 549 |
| Assets per employee ($millions) | 4.1356% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 984 |
| Loan loss allowance to noncurrent loans | 208,700.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,550 |
| Noncurrent loans to loans | 0.0009% | 5,425 |
| Net loans and leases to total assets | 64.9009% | 3,283 |
| Net loans and leases to deposits | 73.1829% | 3,676 |
| Net loans and leases to core deposits | 77.8389% | 3,681 |
| Total domestic deposits to total assets | 88.6832% | 1,057 |
| Equity capital to assets | 10.1136% | 4,027 |
| Core capital (leverage) ratio | 10.2367% | 3,295 |
| Tier 1 risk-based capital ratio | 13.6039% | 3,800 |
| Total risk-based capital ratio | 14.8593% | 3,705 |
| Memoranda: | ||
| Average total assets | $168,953,000 | 3,313 |
| Average earning assets | $159,123,500 | 3,269 |
| Average equity | $17,312,500 | 3,539 |
| Average total loans | $110,189,000 | 3,222 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 4,055 |
| Cost of funding earning assets | 0.1376% | 5,630 |
| Net interest margin | 3.6328% | 2,965 |
| Noninterest income to average assets | 0.7934% | 1,741 |
| Noninterest expense to average assets | 3.9063% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1948% | 5,530 |
| Return on assets (ROA) | 0.1948% | 5,588 |
| Pretax return on assets | 0.2940% | 5,504 |
| Return on Equity (ROE) | 1.8923% | 5,529 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,608 |
| Net charge-offs to loans | -0.0295% | 5,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0014% | 451 |
| Assets per employee ($millions) | 3.7138% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 941 |
| Loan loss allowance to noncurrent loans | 18,900.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,610 |
| Noncurrent loans to loans | 0.0099% | 5,462 |
| Net loans and leases to total assets | 65.2200% | 3,194 |
| Net loans and leases to deposits | 73.7997% | 3,614 |
| Net loans and leases to core deposits | 78.5077% | 3,603 |
| Total domestic deposits to total assets | 88.3744% | 1,232 |
| Equity capital to assets | 10.4098% | 3,737 |
| Core capital (leverage) ratio | 10.2396% | 3,280 |
| Tier 1 risk-based capital ratio | 13.9089% | 3,655 |
| Total risk-based capital ratio | 15.1650% | 3,570 |
| Memoranda: | ||
| Average total assets | $167,371,670 | 3,350 |
| Average earning assets | $156,958,000 | 3,312 |
| Average equity | $17,227,670 | 3,555 |
| Average total loans | $108,646,000 | 3,260 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7348% | 4,188 |
| Cost of funding earning assets | 0.1539% | 5,583 |
| Net interest margin | 3.5809% | 3,164 |
| Noninterest income to average assets | 0.7833% | 1,683 |
| Noninterest expense to average assets | 3.8592% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1791% | 5,570 |
| Return on assets (ROA) | 0.1791% | 5,626 |
| Pretax return on assets | 0.2579% | 5,570 |
| Return on Equity (ROE) | 1.7500% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.7500% | 4,567 |
| Net charge-offs to loans | -0.0149% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7355% | 463 |
| Assets per employee ($millions) | 3.8120% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 973 |
| Loan loss allowance to noncurrent loans | 34,466.6667% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 5,670 |
| Noncurrent loans to loans | 0.0055% | 5,506 |
| Net loans and leases to total assets | 62.3279% | 3,484 |
| Net loans and leases to deposits | 70.1539% | 3,847 |
| Net loans and leases to core deposits | 74.2488% | 3,865 |
| Total domestic deposits to total assets | 88.8445% | 1,182 |
| Equity capital to assets | 10.0415% | 4,030 |
| Core capital (leverage) ratio | 10.2243% | 3,288 |
| Tier 1 risk-based capital ratio | 14.3307% | 3,481 |
| Total risk-based capital ratio | 15.5874% | 3,402 |
| Memoranda: | ||
| Average total assets | $167,496,500 | 3,364 |
| Average earning assets | $155,940,000 | 3,340 |
| Average equity | $17,143,000 | 3,562 |
| Average total loans | $107,431,000 | 3,288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 3,808 |
| Cost of funding earning assets | 0.1579% | 5,635 |
| Net interest margin | 3.7126% | 2,703 |
| Noninterest income to average assets | 2.0751% | 342 |
| Noninterest expense to average assets | 4.0191% | 656 |
| Loan and lease loss provision to assets | -0.3232% | 6,075 |
| Net operating income to assets | 1.5527% | 782 |
| Return on assets (ROA) | 1.5993% | 727 |
| Pretax return on assets | 1.9323% | 625 |
| Return on Equity (ROE) | 15.3951% | 629 |
| Retained earnings to average equity (ytd only) | 15.3951% | 126 |
| Net charge-offs to loans | -0.5971% | 6,102 |
| Credit loss provision to net charge-offs | 86.2069% | 2,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1313% | 2,888 |
| Assets per employee ($millions) | 3.6299% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9485% | 883 |
| Loan loss allowance to noncurrent loans | 103,150.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,734 |
| Noncurrent loans to loans | 0.0019% | 5,564 |
| Net loans and leases to total assets | 63.5561% | 3,341 |
| Net loans and leases to deposits | 72.3833% | 3,677 |
| Net loans and leases to core deposits | 76.5885% | 3,703 |
| Total domestic deposits to total assets | 87.8049% | 1,747 |
| Equity capital to assets | 10.3769% | 3,522 |
| Core capital (leverage) ratio | 10.7183% | 2,692 |
| Tier 1 risk-based capital ratio | 14.7205% | 3,320 |
| Total risk-based capital ratio | 15.9777% | 3,246 |
| Memoranda: | ||
| Average total assets | $154,688,200 | 3,499 |
| Average earning assets | $145,693,600 | 3,463 |
| Average equity | $16,070,000 | 3,670 |
| Average total loans | $97,129,600 | 3,435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8879% | 3,778 |
| Cost of funding earning assets | 0.1591% | 5,717 |
| Net interest margin | 3.7288% | 2,651 |
| Noninterest income to average assets | 2.4966% | 265 |
| Noninterest expense to average assets | 4.0552% | 627 |
| Loan and lease loss provision to assets | -0.4371% | 6,192 |
| Net operating income to assets | 1.9033% | 424 |
| Return on assets (ROA) | 1.9634% | 399 |
| Pretax return on assets | 2.4782% | 246 |
| Return on Equity (ROE) | 18.8933% | 341 |
| Retained earnings to average equity (ytd only) | 18.8933% | 76 |
| Net charge-offs to loans | -0.8328% | 6,194 |
| Credit loss provision to net charge-offs | 84.3170% | 2,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3588% | 3,658 |
| Assets per employee ($millions) | 3.7568% | 4,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0447% | 853 |
| Loan loss allowance to noncurrent loans | 7,984.6154% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,738 |
| Noncurrent loans to loans | 0.0256% | 5,532 |
| Net loans and leases to total assets | 61.5654% | 3,664 |
| Net loans and leases to deposits | 69.9326% | 3,995 |
| Net loans and leases to core deposits | 73.6222% | 4,051 |
| Total domestic deposits to total assets | 88.0353% | 1,535 |
| Equity capital to assets | 10.5038% | 3,601 |
| Core capital (leverage) ratio | 10.7862% | 2,734 |
| Tier 1 risk-based capital ratio | 15.2809% | 3,155 |
| Total risk-based capital ratio | 16.5388% | 3,082 |
| Memoranda: | ||
| Average total assets | $152,524,250 | 3,560 |
| Average earning assets | $144,136,000 | 3,520 |
| Average equity | $15,850,000 | 3,736 |
| Average total loans | $94,942,500 | 3,512 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,360 |
| Cost of funding earning assets | 0.1648% | 5,742 |
| Net interest margin | 3.8196% | 2,245 |
| Noninterest income to average assets | 3.0164% | 214 |
| Noninterest expense to average assets | 4.1707% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.4425% | 183 |
| Return on assets (ROA) | 2.5589% | 163 |
| Pretax return on assets | 2.5589% | 232 |
| Return on Equity (ROE) | 24.7200% | 123 |
| Retained earnings to average equity (ytd only) | 24.7200% | 45 |
| Net charge-offs to loans | -1.4491% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0663% | 4,507 |
| Assets per employee ($millions) | 3.6620% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8619% | 312 |
| Loan loss allowance to noncurrent loans | 4,148.4375% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 5,695 |
| Noncurrent loans to loans | 0.0690% | 5,457 |
| Net loans and leases to total assets | 58.5916% | 4,028 |
| Net loans and leases to deposits | 66.6718% | 4,268 |
| Net loans and leases to core deposits | 69.0801% | 4,406 |
| Total domestic deposits to total assets | 87.8805% | 1,708 |
| Equity capital to assets | 10.7482% | 3,169 |
| Core capital (leverage) ratio | 10.8891% | 2,526 |
| Tier 1 risk-based capital ratio | 16.4465% | 2,633 |
| Total risk-based capital ratio | 17.7140% | 2,582 |
| Memoranda: | ||
| Average total assets | $149,518,330 | 3,635 |
| Average earning assets | $140,800,670 | 3,587 |
| Average equity | $15,477,330 | 3,819 |
| Average total loans | $92,746,670 | 3,584 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 2,343 |
| Cost of funding earning assets | 0.1624% | 5,828 |
| Net interest margin | 4.0689% | 1,356 |
| Noninterest income to average assets | 1.0341% | 1,045 |
| Noninterest expense to average assets | 4.2965% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5455% | 4,491 |
| Return on assets (ROA) | 0.5455% | 4,609 |
| Pretax return on assets | 0.5455% | 5,060 |
| Return on Equity (ROE) | 5.3777% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.3777% | 2,843 |
| Net charge-offs to loans | -1.8591% | 6,356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7332% | 960 |
| Assets per employee ($millions) | 3.3183% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 437 |
| Loan loss allowance to noncurrent loans | 588.7805% | 868 |
| Noncurrent assets plus other real estate owned to assets | 1.1954% | 2,246 |
| Noncurrent loans to loans | 0.4488% | 4,240 |
| Net loans and leases to total assets | 59.5626% | 3,718 |
| Net loans and leases to deposits | 67.3125% | 4,022 |
| Net loans and leases to core deposits | 69.5463% | 4,198 |
| Total domestic deposits to total assets | 88.4866% | 1,551 |
| Equity capital to assets | 10.1331% | 3,968 |
| Core capital (leverage) ratio | 10.2330% | 3,301 |
| Tier 1 risk-based capital ratio | 14.8216% | 3,530 |
| Total risk-based capital ratio | 16.0867% | 3,461 |
| Memoranda: | ||
| Average total assets | $147,376,500 | 3,690 |
| Average earning assets | $137,924,000 | 3,658 |
| Average equity | $14,950,500 | 3,921 |
| Average total loans | $92,735,000 | 3,595 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 4,531 |
| Cost of funding earning assets | 0.1902% | 5,834 |
| Net interest margin | 3.5974% | 3,422 |
| Noninterest income to average assets | 1.4331% | 591 |
| Noninterest expense to average assets | 4.3130% | 537 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4748% | 4,906 |
| Return on assets (ROA) | 0.4734% | 5,006 |
| Pretax return on assets | 0.4683% | 5,331 |
| Return on Equity (ROE) | 4.5685% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.5685% | 2,924 |
| Net charge-offs to loans | -0.2726% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1783% | 834 |
| Assets per employee ($millions) | 3.7290% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1070% | 939 |
| Loan loss allowance to noncurrent loans | 64.8039% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.0496% | 653 |
| Noncurrent loans to loans | 3.2513% | 666 |
| Net loans and leases to total assets | 63.3517% | 3,309 |
| Net loans and leases to deposits | 71.7731% | 3,711 |
| Net loans and leases to core deposits | 73.5070% | 3,965 |
| Total domestic deposits to total assets | 88.2666% | 1,630 |
| Equity capital to assets | 10.1560% | 3,913 |
| Core capital (leverage) ratio | 10.4614% | 2,992 |
| Tier 1 risk-based capital ratio | 14.4856% | 3,784 |
| Total risk-based capital ratio | 15.7447% | 3,719 |
| Memoranda: | ||
| Average total assets | $138,371,800 | 3,834 |
| Average earning assets | $128,841,600 | 3,791 |
| Average equity | $14,337,200 | 3,970 |
| Average total loans | $88,410,800 | 3,666 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 4,603 |
| Cost of funding earning assets | 0.1952% | 5,870 |
| Net interest margin | 3.5881% | 3,473 |
| Noninterest income to average assets | 1.2991% | 720 |
| Noninterest expense to average assets | 4.2866% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3494% | 5,425 |
| Return on assets (ROA) | 0.3475% | 5,504 |
| Pretax return on assets | 0.3475% | 5,684 |
| Return on Equity (ROE) | 3.3358% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.3358% | 4,240 |
| Net charge-offs to loans | -0.0613% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4632% | 674 |
| Assets per employee ($millions) | 3.4909% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9590% | 1,332 |
| Loan loss allowance to noncurrent loans | 54.6458% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 3.3201% | 660 |
| Noncurrent loans to loans | 3.5849% | 657 |
| Net loans and leases to total assets | 63.8684% | 3,190 |
| Net loans and leases to deposits | 72.5216% | 3,627 |
| Net loans and leases to core deposits | 74.3741% | 3,913 |
| Total domestic deposits to total assets | 88.0681% | 1,726 |
| Equity capital to assets | 10.3442% | 3,741 |
| Core capital (leverage) ratio | 10.4751% | 3,071 |
| Tier 1 risk-based capital ratio | 14.9618% | 3,609 |
| Total risk-based capital ratio | 16.2199% | 3,534 |
| Memoranda: | ||
| Average total assets | $136,607,000 | 3,887 |
| Average earning assets | $127,046,500 | 3,851 |
| Average equity | $14,229,000 | 4,010 |
| Average total loans | $86,984,500 | 3,729 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,659 |
| Cost of funding earning assets | 0.1969% | 5,938 |
| Net interest margin | 3.5619% | 3,520 |
| Noninterest income to average assets | 1.2065% | 804 |
| Noninterest expense to average assets | 4.3024% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2124% | 5,799 |
| Return on assets (ROA) | 0.2124% | 5,857 |
| Pretax return on assets | 0.2124% | 5,928 |
| Return on Equity (ROE) | 2.0343% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.0343% | 4,874 |
| Net charge-offs to loans | 0.0140% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,446 |
| Efficiency ratio | 95.2957% | 592 |
| Assets per employee ($millions) | 3.4245% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 1,444 |
| Loan loss allowance to noncurrent loans | 50.7607% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 3.6619% | 622 |
| Noncurrent loans to loans | 3.8530% | 634 |
| Net loans and leases to total assets | 63.4944% | 3,159 |
| Net loans and leases to deposits | 72.1495% | 3,551 |
| Net loans and leases to core deposits | 74.5221% | 3,783 |
| Total domestic deposits to total assets | 88.0040% | 1,897 |
| Equity capital to assets | 10.4607% | 3,488 |
| Core capital (leverage) ratio | 10.5380% | 2,898 |
| Tier 1 risk-based capital ratio | 15.0233% | 3,623 |
| Total risk-based capital ratio | 16.2811% | 3,565 |
| Memoranda: | ||
| Average total assets | $135,598,000 | 3,928 |
| Average earning assets | $125,944,330 | 3,890 |
| Average equity | $14,157,330 | 4,022 |
| Average total loans | $85,658,000 | 3,775 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6599% | 4,973 |
| Cost of funding earning assets | 0.2012% | 5,982 |
| Net interest margin | 3.4587% | 3,867 |
| Noninterest income to average assets | 1.1563% | 830 |
| Noninterest expense to average assets | 4.1836% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1838% | 5,846 |
| Return on assets (ROA) | 0.1838% | 5,888 |
| Pretax return on assets | 0.1838% | 5,944 |
| Return on Equity (ROE) | 1.7624% | 5,850 |
| Retained earnings to average equity (ytd only) | 1.7624% | 4,900 |
| Net charge-offs to loans | 0.0285% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,869 |
| Efficiency ratio | 95.7909% | 654 |
| Assets per employee ($millions) | 3.1622% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0504% | 1,418 |
| Loan loss allowance to noncurrent loans | 44.7423% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 4.0287% | 580 |
| Noncurrent loans to loans | 4.5828% | 515 |
| Net loans and leases to total assets | 60.9880% | 3,399 |
| Net loans and leases to deposits | 69.1807% | 3,712 |
| Net loans and leases to core deposits | 70.5437% | 4,029 |
| Total domestic deposits to total assets | 88.1575% | 2,137 |
| Equity capital to assets | 10.3658% | 3,379 |
| Core capital (leverage) ratio | 10.6204% | 2,784 |
| Tier 1 risk-based capital ratio | 16.0394% | 3,156 |
| Total risk-based capital ratio | 17.2985% | 3,102 |
| Memoranda: | ||
| Average total assets | $134,907,500 | 3,980 |
| Average earning assets | $125,251,000 | 3,941 |
| Average equity | $14,071,500 | 4,033 |
| Average total loans | $84,132,500 | 3,841 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8041% | 4,803 |
| Cost of funding earning assets | 0.2773% | 5,784 |
| Net interest margin | 3.5267% | 3,783 |
| Noninterest income to average assets | 1.7190% | 498 |
| Noninterest expense to average assets | 4.6639% | 457 |
| Loan and lease loss provision to assets | 0.0400% | 4,321 |
| Net operating income to assets | 0.2709% | 5,615 |
| Return on assets (ROA) | 0.2709% | 5,699 |
| Pretax return on assets | 0.2773% | 5,787 |
| Return on Equity (ROE) | 5.0132% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.0132% | 2,584 |
| Net charge-offs to loans | 1.2992% | 390 |
| Credit loss provision to net charge-offs | 4.8450% | 4,652 |
| Earnings coverage of net charge-offs (x) | 0.3847% | 4,951 |
| Efficiency ratio | 93.6307% | 767 |
| Assets per employee ($millions) | 3.1866% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 1,365 |
| Loan loss allowance to noncurrent loans | 171.2881% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 1,848 |
| Noncurrent loans to loans | 1.2165% | 3,111 |
| Net loans and leases to total assets | 61.1615% | 3,505 |
| Net loans and leases to deposits | 69.4878% | 3,842 |
| Net loans and leases to core deposits | 70.7282% | 4,221 |
| Total domestic deposits to total assets | 88.0177% | 2,173 |
| Equity capital to assets | 10.4962% | 3,165 |
| Core capital (leverage) ratio | 10.6622% | 2,715 |
| Tier 1 risk-based capital ratio | 16.2298% | 2,995 |
| Total risk-based capital ratio | 17.4898% | 2,943 |
| Memoranda: | ||
| Average total assets | $125,130,200 | 4,159 |
| Average earning assets | $115,744,200 | 4,138 |
| Average equity | $6,762,200 | 5,628 |
| Average total loans | $79,436,400 | 3,952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 4,833 |
| Cost of funding earning assets | 0.2908% | 5,804 |
| Net interest margin | 3.5147% | 3,812 |
| Noninterest income to average assets | 1.4737% | 679 |
| Noninterest expense to average assets | 4.6662% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0488% | 6,221 |
| Return on assets (ROA) | 0.0488% | 6,273 |
| Pretax return on assets | 0.0575% | 6,253 |
| Return on Equity (ROE) | 1.2144% | 6,141 |
| Retained earnings to average equity (ytd only) | 1.2144% | 5,496 |
| Net charge-offs to loans | 1.4932% | 315 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0604% | 4,839 |
| Efficiency ratio | 98.7833% | 506 |
| Assets per employee ($millions) | 3.1778% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 1,202 |
| Loan loss allowance to noncurrent loans | 139.6070% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 2.3569% | 1,664 |
| Noncurrent loans to loans | 1.6375% | 2,718 |
| Net loans and leases to total assets | 63.6987% | 3,045 |
| Net loans and leases to deposits | 67.4599% | 4,122 |
| Net loans and leases to core deposits | 69.1311% | 4,419 |
| Total domestic deposits to total assets | 94.4245% | 53 |
| Equity capital to assets | 4.0255% | 6,816 |
| Core capital (leverage) ratio | 4.1066% | 6,823 |
| Tier 1 risk-based capital ratio | 6.0262% | 6,827 |
| Total risk-based capital ratio | 7.2877% | 6,827 |
| Memoranda: | ||
| Average total assets | $122,953,000 | 4,252 |
| Average earning assets | $113,691,750 | 4,232 |
| Average equity | $4,940,750 | 6,156 |
| Average total loans | $78,395,500 | 4,015 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,916 |
| Cost of funding earning assets | 0.2980% | 5,844 |
| Net interest margin | 3.4759% | 3,898 |
| Noninterest income to average assets | 1.4434% | 759 |
| Noninterest expense to average assets | 4.7478% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1028% | 6,406 |
| Return on assets (ROA) | -0.1028% | 6,453 |
| Pretax return on assets | -0.0897% | 6,426 |
| Return on Equity (ROE) | -2.5585% | 6,556 |
| Retained earnings to average equity (ytd only) | -2.5585% | 6,262 |
| Net charge-offs to loans | 1.9073% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0743% | 4,575 |
| Efficiency ratio | 101.9258% | 429 |
| Assets per employee ($millions) | 3.0984% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4977% | 988 |
| Loan loss allowance to noncurrent loans | 141.9585% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 2.2957% | 1,886 |
| Noncurrent loans to loans | 1.7595% | 2,686 |
| Net loans and leases to total assets | 64.1589% | 2,885 |
| Net loans and leases to deposits | 67.9573% | 4,019 |
| Net loans and leases to core deposits | 70.1259% | 4,266 |
| Total domestic deposits to total assets | 94.4106% | 48 |
| Equity capital to assets | 3.9897% | 6,867 |
| Core capital (leverage) ratio | 4.0361% | 6,874 |
| Tier 1 risk-based capital ratio | 5.9595% | 6,875 |
| Total risk-based capital ratio | 7.2245% | 6,876 |
| Memoranda: | ||
| Average total assets | $122,625,670 | 4,287 |
| Average earning assets | $113,409,000 | 4,264 |
| Average equity | $4,924,670 | 6,203 |
| Average total loans | $77,596,670 | 4,053 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 5,212 |
| Cost of funding earning assets | 0.3049% | 5,934 |
| Net interest margin | 3.3818% | 4,188 |
| Noninterest income to average assets | 1.4572% | 726 |
| Noninterest expense to average assets | 4.6664% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1101% | 6,452 |
| Return on assets (ROA) | -0.1101% | 6,502 |
| Pretax return on assets | -0.0842% | 6,473 |
| Return on Equity (ROE) | -2.7328% | 6,597 |
| Retained earnings to average equity (ytd only) | -2.7328% | 6,163 |
| Net charge-offs to loans | 3.8936% | 71 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0349% | 3,834 |
| Efficiency ratio | 101.8375% | 487 |
| Assets per employee ($millions) | 3.4556% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6003% | 1,013 |
| Loan loss allowance to noncurrent loans | 126.0510% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 2.6970% | 1,680 |
| Noncurrent loans to loans | 2.0629% | 2,548 |
| Net loans and leases to total assets | 61.2897% | 3,210 |
| Net loans and leases to deposits | 65.0086% | 4,184 |
| Net loans and leases to core deposits | 67.0823% | 4,405 |
| Total domestic deposits to total assets | 94.2793% | 63 |
| Equity capital to assets | 4.1101% | 6,933 |
| Core capital (leverage) ratio | 4.0938% | 6,933 |
| Tier 1 risk-based capital ratio | 6.1512% | 6,926 |
| Total risk-based capital ratio | 7.4169% | 6,928 |
| Memoranda: | ||
| Average total assets | $123,520,500 | 4,316 |
| Average earning assets | $114,140,000 | 4,280 |
| Average equity | $4,976,500 | 6,251 |
| Average total loans | $76,638,500 | 4,115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 3,727 |
| Cost of funding earning assets | 0.4471% | 5,601 |
| Net interest margin | 3.9739% | 2,500 |
| Noninterest income to average assets | 1.2206% | 1,047 |
| Noninterest expense to average assets | 4.9652% | 385 |
| Loan and lease loss provision to assets | 0.0464% | 5,257 |
| Net operating income to assets | -0.3989% | 6,514 |
| Return on assets (ROA) | -0.3989% | 6,562 |
| Pretax return on assets | -0.0943% | 6,360 |
| Return on Equity (ROE) | -9.0027% | 6,702 |
| Retained earnings to average equity (ytd only) | -9.0027% | 6,605 |
| Net charge-offs to loans | 0.2943% | 3,175 |
| Credit loss provision to net charge-offs | 24.4898% | 5,214 |
| Earnings coverage of net charge-offs (x) | -0.2531% | 5,595 |
| Efficiency ratio | 100.9747% | 524 |
| Assets per employee ($millions) | 3.6027% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5312% | 414 |
| Loan loss allowance to noncurrent loans | 104.0871% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 3.1207% | 1,508 |
| Noncurrent loans to loans | 3.3925% | 1,488 |
| Net loans and leases to total assets | 59.0393% | 3,786 |
| Net loans and leases to deposits | 62.5378% | 4,719 |
| Net loans and leases to core deposits | 64.4702% | 4,908 |
| Total domestic deposits to total assets | 94.4058% | 55 |
| Equity capital to assets | 3.9510% | 7,003 |
| Core capital (leverage) ratio | 3.9131% | 6,998 |
| Tier 1 risk-based capital ratio | 6.1433% | 6,984 |
| Total risk-based capital ratio | 7.4199% | 6,986 |
| Memoranda: | ||
| Average total assets | $129,361,000 | 4,153 |
| Average earning assets | $120,336,600 | 4,103 |
| Average equity | $5,731,600 | 6,090 |
| Average total loans | $83,239,400 | 3,931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 3,201 |
| Cost of funding earning assets | 0.4730% | 5,610 |
| Net interest margin | 4.1265% | 1,998 |
| Noninterest income to average assets | 1.1512% | 1,151 |
| Noninterest expense to average assets | 4.4594% | 566 |
| Loan and lease loss provision to assets | 0.0615% | 4,946 |
| Net operating income to assets | 0.4722% | 4,950 |
| Return on assets (ROA) | 0.4722% | 5,208 |
| Pretax return on assets | 0.4722% | 5,536 |
| Return on Equity (ROE) | 10.3844% | 2,180 |
| Retained earnings to average equity (ytd only) | 10.3844% | 817 |
| Net charge-offs to loans | 0.3083% | 2,904 |
| Credit loss provision to net charge-offs | 30.6122% | 4,792 |
| Earnings coverage of net charge-offs (x) | 2.6581% | 3,973 |
| Efficiency ratio | 89.3128% | 1,083 |
| Assets per employee ($millions) | 3.7701% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6383% | 413 |
| Loan loss allowance to noncurrent loans | 105.1156% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 3.3460% | 1,513 |
| Noncurrent loans to loans | 3.4613% | 1,571 |
| Net loans and leases to total assets | 57.3160% | 4,240 |
| Net loans and leases to deposits | 61.1562% | 5,065 |
| Net loans and leases to core deposits | 63.3739% | 5,219 |
| Total domestic deposits to total assets | 93.7207% | 78 |
| Equity capital to assets | 4.6839% | 7,065 |
| Core capital (leverage) ratio | 4.3461% | 7,069 |
| Tier 1 risk-based capital ratio | 6.7644% | 7,060 |
| Total risk-based capital ratio | 8.0440% | 7,059 |
| Memoranda: | ||
| Average total assets | $130,177,750 | 4,185 |
| Average earning assets | $121,196,750 | 4,126 |
| Average equity | $5,919,000 | 6,109 |
| Average total loans | $84,756,750 | 3,927 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,977 |
| Cost of funding earning assets | 0.5041% | 5,591 |
| Net interest margin | 4.1818% | 1,794 |
| Noninterest income to average assets | 1.1235% | 1,133 |
| Noninterest expense to average assets | 4.3396% | 631 |
| Loan and lease loss provision to assets | 0.0917% | 4,422 |
| Net operating income to assets | 0.5977% | 4,377 |
| Return on assets (ROA) | 0.5977% | 4,635 |
| Pretax return on assets | 0.5977% | 5,141 |
| Return on Equity (ROE) | 13.2752% | 1,287 |
| Retained earnings to average equity (ytd only) | 13.2752% | 410 |
| Net charge-offs to loans | 0.4178% | 2,363 |
| Credit loss provision to net charge-offs | 32.7869% | 4,395 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 3,772 |
| Efficiency ratio | 86.2918% | 1,400 |
| Assets per employee ($millions) | 3.3799% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3140% | 583 |
| Loan loss allowance to noncurrent loans | 63.1830% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 3.3464% | 1,608 |
| Noncurrent loans to loans | 5.2451% | 911 |
| Net loans and leases to total assets | 61.6849% | 3,498 |
| Net loans and leases to deposits | 65.6244% | 4,551 |
| Net loans and leases to core deposits | 67.5310% | 4,846 |
| Total domestic deposits to total assets | 93.9969% | 80 |
| Equity capital to assets | 4.5776% | 7,110 |
| Core capital (leverage) ratio | 4.2466% | 7,115 |
| Tier 1 risk-based capital ratio | 6.2652% | 7,120 |
| Total risk-based capital ratio | 7.5395% | 7,120 |
| Memoranda: | ||
| Average total assets | $130,842,330 | 4,189 |
| Average earning assets | $122,195,330 | 4,119 |
| Average equity | $5,890,670 | 6,147 |
| Average total loans | $87,594,330 | 3,866 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 1,750 |
| Cost of funding earning assets | 0.5598% | 5,432 |
| Net interest margin | 4.4813% | 1,048 |
| Noninterest income to average assets | 1.0586% | 1,288 |
| Noninterest expense to average assets | 4.2898% | 676 |
| Loan and lease loss provision to assets | 0.1841% | 3,131 |
| Net operating income to assets | 0.7610% | 3,570 |
| Return on assets (ROA) | 0.7610% | 3,804 |
| Pretax return on assets | 0.7610% | 4,568 |
| Return on Equity (ROE) | 17.0476% | 664 |
| Retained earnings to average equity (ytd only) | 17.0476% | 304 |
| Net charge-offs to loans | 0.7880% | 1,307 |
| Credit loss provision to net charge-offs | 34.0909% | 3,554 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,465 |
| Efficiency ratio | 81.9461% | 1,937 |
| Assets per employee ($millions) | 3.5411% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2687% | 636 |
| Loan loss allowance to noncurrent loans | 60.1680% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 3.5429% | 1,616 |
| Noncurrent loans to loans | 5.4327% | 987 |
| Net loans and leases to total assets | 63.0833% | 3,025 |
| Net loans and leases to deposits | 67.0847% | 4,217 |
| Net loans and leases to core deposits | 69.2138% | 4,536 |
| Total domestic deposits to total assets | 94.0354% | 91 |
| Equity capital to assets | 4.5351% | 7,158 |
| Core capital (leverage) ratio | 4.1396% | 7,168 |
| Tier 1 risk-based capital ratio | 6.0120% | 7,176 |
| Total risk-based capital ratio | 7.2405% | 7,178 |
| Memoranda: | ||
| Average total assets | $130,356,000 | 4,223 |
| Average earning assets | $121,482,000 | 4,166 |
| Average equity | $5,819,000 | 6,195 |
| Average total loans | $89,343,000 | 3,846 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5999% | 955 |
| Cost of funding earning assets | 0.8718% | 4,311 |
| Net interest margin | 4.7281% | 708 |
| Noninterest income to average assets | 1.3594% | 700 |
| Noninterest expense to average assets | 4.6686% | 504 |
| Loan and lease loss provision to assets | 0.4815% | 2,194 |
| Net operating income to assets | 0.5786% | 4,104 |
| Return on assets (ROA) | 0.5815% | 4,273 |
| Pretax return on assets | 0.5875% | 4,732 |
| Return on Equity (ROE) | 14.4807% | 832 |
| Retained earnings to average equity (ytd only) | 14.4807% | 153 |
| Net charge-offs to loans | 1.0214% | 1,708 |
| Credit loss provision to net charge-offs | 62.6204% | 5,104 |
| Earnings coverage of net charge-offs (x) | 1.3863% | 4,730 |
| Efficiency ratio | 81.4107% | 2,096 |
| Assets per employee ($millions) | 3.5051% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1210% | 733 |
| Loan loss allowance to noncurrent loans | 63.1785% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 4.1645% | 1,362 |
| Noncurrent loans to loans | 4.9399% | 1,150 |
| Net loans and leases to total assets | 69.6507% | 2,100 |
| Net loans and leases to deposits | 75.2625% | 3,303 |
| Net loans and leases to core deposits | 79.7658% | 3,474 |
| Total domestic deposits to total assets | 92.5438% | 177 |
| Equity capital to assets | 4.3920% | 7,200 |
| Core capital (leverage) ratio | 3.9301% | 7,215 |
| Tier 1 risk-based capital ratio | 5.3345% | 7,231 |
| Total risk-based capital ratio | 6.5964% | 7,233 |
| Memoranda: | ||
| Average total assets | $134,987,800 | 4,076 |
| Average earning assets | $124,913,600 | 4,035 |
| Average equity | $5,421,000 | 6,317 |
| Average total loans | $101,629,200 | 3,579 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7679% | 745 |
| Cost of funding earning assets | 0.9190% | 4,281 |
| Net interest margin | 4.8489% | 569 |
| Noninterest income to average assets | 1.1904% | 929 |
| Noninterest expense to average assets | 4.6725% | 491 |
| Loan and lease loss provision to assets | 0.4891% | 2,031 |
| Net operating income to assets | 0.4990% | 4,557 |
| Return on assets (ROA) | 0.5028% | 4,720 |
| Pretax return on assets | 0.5174% | 5,102 |
| Return on Equity (ROE) | 12.8043% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.8043% | 400 |
| Net charge-offs to loans | 0.8432% | 1,888 |
| Credit loss provision to net charge-offs | 76.2195% | 4,270 |
| Earnings coverage of net charge-offs (x) | 1.5625% | 4,463 |
| Efficiency ratio | 82.3337% | 1,925 |
| Assets per employee ($millions) | 3.5795% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2479% | 688 |
| Loan loss allowance to noncurrent loans | 51.5505% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 5.2024% | 1,099 |
| Noncurrent loans to loans | 6.3004% | 855 |
| Net loans and leases to total assets | 70.6720% | 1,949 |
| Net loans and leases to deposits | 76.3641% | 3,271 |
| Net loans and leases to core deposits | 81.9325% | 3,337 |
| Total domestic deposits to total assets | 92.5461% | 155 |
| Equity capital to assets | 4.1272% | 7,318 |
| Core capital (leverage) ratio | 3.6664% | 7,320 |
| Tier 1 risk-based capital ratio | 4.9155% | 7,326 |
| Total risk-based capital ratio | 6.1900% | 7,327 |
| Memoranda: | ||
| Average total assets | $136,312,250 | 4,078 |
| Average earning assets | $126,074,500 | 4,037 |
| Average equity | $5,352,250 | 6,388 |
| Average total loans | $103,726,500 | 3,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0083% | 472 |
| Cost of funding earning assets | 0.9728% | 4,145 |
| Net interest margin | 5.0355% | 376 |
| Noninterest income to average assets | 1.1119% | 1,052 |
| Noninterest expense to average assets | 4.8313% | 420 |
| Loan and lease loss provision to assets | 0.1453% | 4,489 |
| Net operating income to assets | 0.7632% | 3,231 |
| Return on assets (ROA) | 0.7674% | 3,347 |
| Pretax return on assets | 0.7892% | 4,072 |
| Return on Equity (ROE) | 19.8708% | 320 |
| Retained earnings to average equity (ytd only) | 19.8708% | 94 |
| Net charge-offs to loans | 0.7807% | 1,942 |
| Credit loss provision to net charge-offs | 24.1546% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.5459% | 4,132 |
| Efficiency ratio | 83.8547% | 1,834 |
| Assets per employee ($millions) | 3.7038% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0350% | 862 |
| Loan loss allowance to noncurrent loans | 63.0545% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 4.1467% | 1,538 |
| Noncurrent loans to loans | 4.8133% | 1,370 |
| Net loans and leases to total assets | 71.5238% | 1,878 |
| Net loans and leases to deposits | 77.0786% | 3,281 |
| Net loans and leases to core deposits | 82.2881% | 3,462 |
| Total domestic deposits to total assets | 92.7934% | 138 |
| Equity capital to assets | 4.1632% | 7,378 |
| Core capital (leverage) ratio | 3.6144% | 7,396 |
| Tier 1 risk-based capital ratio | 4.8162% | 7,406 |
| Total risk-based capital ratio | 6.0774% | 7,406 |
| Memoranda: | ||
| Average total assets | $137,603,000 | 4,070 |
| Average earning assets | $127,057,330 | 4,046 |
| Average equity | $5,314,330 | 6,431 |
| Average total loans | $106,055,330 | 3,540 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3654% | 254 |
| Cost of funding earning assets | 1.0132% | 4,101 |
| Net interest margin | 5.3522% | 207 |
| Noninterest income to average assets | 0.9790% | 1,393 |
| Noninterest expense to average assets | 4.7346% | 461 |
| Loan and lease loss provision to assets | 0.2863% | 2,859 |
| Net operating income to assets | 0.8874% | 2,629 |
| Return on assets (ROA) | 0.8874% | 2,695 |
| Pretax return on assets | 0.8874% | 3,552 |
| Return on Equity (ROE) | 23.8645% | 190 |
| Retained earnings to average equity (ytd only) | 23.8645% | 114 |
| Net charge-offs to loans | 1.3502% | 1,027 |
| Credit loss provision to net charge-offs | 26.9542% | 4,167 |
| Earnings coverage of net charge-offs (x) | 1.1051% | 3,837 |
| Efficiency ratio | 80.1357% | 2,504 |
| Assets per employee ($millions) | 3.3841% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9092% | 996 |
| Loan loss allowance to noncurrent loans | 64.1721% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 5.4483% | 1,116 |
| Noncurrent loans to loans | 4.5334% | 1,538 |
| Net loans and leases to total assets | 74.6306% | 1,244 |
| Net loans and leases to deposits | 80.1280% | 2,703 |
| Net loans and leases to core deposits | 85.8565% | 2,893 |
| Total domestic deposits to total assets | 93.1392% | 125 |
| Equity capital to assets | 3.9168% | 7,445 |
| Core capital (leverage) ratio | 3.2646% | 7,474 |
| Tier 1 risk-based capital ratio | 4.3029% | 7,481 |
| Total risk-based capital ratio | 5.5726% | 7,482 |
| Memoranda: | ||
| Average total assets | $139,736,500 | 4,069 |
| Average earning assets | $128,695,500 | 4,056 |
| Average equity | $5,196,000 | 6,486 |
| Average total loans | $109,907,000 | 3,491 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 2,544 |
| Cost of funding earning assets | 1.6098% | 2,011 |
| Net interest margin | 3.8207% | 3,864 |
| Noninterest income to average assets | 0.0485% | 7,115 |
| Noninterest expense to average assets | 4.2921% | 817 |
| Loan and lease loss provision to assets | 1.7602% | 792 |
| Net operating income to assets | -2.4759% | 7,168 |
| Return on assets (ROA) | -2.4009% | 7,170 |
| Pretax return on assets | -2.3922% | 7,132 |
| Return on Equity (ROE) | -56.7314% | 7,463 |
| Retained earnings to average equity (ytd only) | -56.7314% | 7,461 |
| Net charge-offs to loans | 2.7919% | 631 |
| Credit loss provision to net charge-offs | 83.0384% | 5,442 |
| Earnings coverage of net charge-offs (x) | -0.3335% | 6,382 |
| Efficiency ratio | 119.7199% | 409 |
| Assets per employee ($millions) | 3.6951% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8489% | 999 |
| Loan loss allowance to noncurrent loans | 48.4075% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 5.8012% | 1,045 |
| Noncurrent loans to loans | 5.8852% | 1,071 |
| Net loans and leases to total assets | 78.0423% | 939 |
| Net loans and leases to deposits | 86.6269% | 1,987 |
| Net loans and leases to core deposits | 96.5382% | 1,937 |
| Total domestic deposits to total assets | 90.0901% | 1,039 |
| Equity capital to assets | 3.5320% | 7,531 |
| Core capital (leverage) ratio | 2.8208% | 7,572 |
| Tier 1 risk-based capital ratio | 3.6451% | 7,580 |
| Total risk-based capital ratio | 4.9144% | 7,582 |
| Memoranda: | ||
| Average total assets | $173,271,800 | 3,478 |
| Average earning assets | $160,389,000 | 3,441 |
| Average equity | $7,332,800 | 5,923 |
| Average total loans | $131,558,200 | 3,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 2,746 |
| Cost of funding earning assets | 1.6866% | 1,942 |
| Net interest margin | 3.7426% | 4,219 |
| Noninterest income to average assets | 0.4135% | 4,849 |
| Noninterest expense to average assets | 4.1255% | 906 |
| Loan and lease loss provision to assets | 2.1045% | 548 |
| Net operating income to assets | -2.3637% | 7,315 |
| Return on assets (ROA) | -2.2677% | 7,312 |
| Pretax return on assets | -2.2566% | 7,264 |
| Return on Equity (ROE) | -51.8726% | 7,573 |
| Retained earnings to average equity (ytd only) | -51.8726% | 7,571 |
| Net charge-offs to loans | 3.7055% | 353 |
| Credit loss provision to net charge-offs | 75.6771% | 5,263 |
| Earnings coverage of net charge-offs (x) | -0.0892% | 6,101 |
| Efficiency ratio | 106.3988% | 592 |
| Assets per employee ($millions) | 4.1329% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 1,397 |
| Loan loss allowance to noncurrent loans | 27.4254% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 8.6696% | 542 |
| Noncurrent loans to loans | 8.9326% | 541 |
| Net loans and leases to total assets | 74.2374% | 1,751 |
| Net loans and leases to deposits | 82.1477% | 3,078 |
| Net loans and leases to core deposits | 96.1271% | 2,246 |
| Total domestic deposits to total assets | 90.3706% | 690 |
| Equity capital to assets | 3.7541% | 7,656 |
| Core capital (leverage) ratio | 3.2458% | 7,659 |
| Tier 1 risk-based capital ratio | 4.2300% | 7,682 |
| Total risk-based capital ratio | 5.4940% | 7,684 |
| Memoranda: | ||
| Average total assets | $180,562,500 | 3,415 |
| Average earning assets | $167,117,750 | 3,375 |
| Average equity | $7,893,500 | 5,823 |
| Average total loans | $135,506,750 | 3,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 2,769 |
| Cost of funding earning assets | 1.7383% | 1,927 |
| Net interest margin | 3.7073% | 4,332 |
| Noninterest income to average assets | 0.7956% | 2,141 |
| Noninterest expense to average assets | 4.0936% | 932 |
| Loan and lease loss provision to assets | 1.9249% | 639 |
| Net operating income to assets | -1.8041% | 7,256 |
| Return on assets (ROA) | -1.6650% | 7,218 |
| Pretax return on assets | -1.6490% | 7,127 |
| Return on Equity (ROE) | -36.6023% | 7,505 |
| Retained earnings to average equity (ytd only) | -36.6023% | 7,496 |
| Net charge-offs to loans | 3.7457% | 370 |
| Credit loss provision to net charge-offs | 68.7548% | 5,000 |
| Earnings coverage of net charge-offs (x) | 0.0489% | 5,668 |
| Efficiency ratio | 96.7644% | 924 |
| Assets per employee ($millions) | 4.0990% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 1,365 |
| Loan loss allowance to noncurrent loans | 33.8828% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 8.6750% | 525 |
| Noncurrent loans to loans | 7.2378% | 755 |
| Net loans and leases to total assets | 73.4679% | 2,043 |
| Net loans and leases to deposits | 84.0370% | 2,863 |
| Net loans and leases to core deposits | 110.5156% | 1,133 |
| Total domestic deposits to total assets | 87.4233% | 2,309 |
| Equity capital to assets | 4.4931% | 7,665 |
| Core capital (leverage) ratio | 3.9226% | 7,687 |
| Tier 1 risk-based capital ratio | 5.0913% | 7,694 |
| Total risk-based capital ratio | 6.3478% | 7,697 |
| Memoranda: | ||
| Average total assets | $187,022,330 | 3,347 |
| Average earning assets | $173,277,670 | 3,287 |
| Average equity | $8,507,670 | 5,634 |
| Average total loans | $139,788,000 | 3,018 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2027% | 4,000 |
| Cost of funding earning assets | 1.7604% | 2,071 |
| Net interest margin | 3.4424% | 5,410 |
| Noninterest income to average assets | 0.7552% | 2,268 |
| Noninterest expense to average assets | 3.6050% | 1,728 |
| Loan and lease loss provision to assets | 1.8320% | 614 |
| Net operating income to assets | -1.4615% | 7,317 |
| Return on assets (ROA) | -1.3923% | 7,303 |
| Pretax return on assets | -1.3923% | 7,221 |
| Return on Equity (ROE) | -30.4474% | 7,581 |
| Retained earnings to average equity (ytd only) | -30.4474% | 7,557 |
| Net charge-offs to loans | 2.8361% | 561 |
| Credit loss provision to net charge-offs | 86.7052% | 3,727 |
| Earnings coverage of net charge-offs (x) | 0.1753% | 4,878 |
| Efficiency ratio | 90.6810% | 1,379 |
| Assets per employee ($millions) | 4.5062% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6016% | 1,174 |
| Loan loss allowance to noncurrent loans | 18.1578% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 12.4849% | 233 |
| Noncurrent loans to loans | 14.3276% | 203 |
| Net loans and leases to total assets | 74.8330% | 1,782 |
| Net loans and leases to deposits | 91.3352% | 1,708 |
| Net loans and leases to core deposits | 125.5866% | 597 |
| Total domestic deposits to total assets | 81.9323% | 5,103 |
| Equity capital to assets | 4.5324% | 7,759 |
| Core capital (leverage) ratio | 4.0969% | 7,769 |
| Tier 1 risk-based capital ratio | 5.1200% | 7,792 |
| Total risk-based capital ratio | 6.3857% | 7,794 |
| Memoranda: | ||
| Average total assets | $196,505,000 | 3,266 |
| Average earning assets | $183,827,000 | 3,207 |
| Average equity | $8,986,000 | 5,553 |
| Average total loans | $146,396,000 | 2,958 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2119% | 5,597 |
| Cost of funding earning assets | 2.2025% | 2,024 |
| Net interest margin | 3.0094% | 6,621 |
| Noninterest income to average assets | 0.3814% | 5,361 |
| Noninterest expense to average assets | 3.2530% | 3,183 |
| Loan and lease loss provision to assets | 5.0919% | 180 |
| Net operating income to assets | -4.8758% | 7,728 |
| Return on assets (ROA) | -4.7699% | 7,710 |
| Pretax return on assets | -5.0311% | 7,711 |
| Return on Equity (ROE) | -73.9104% | 7,832 |
| Retained earnings to average equity (ytd only) | -73.9104% | 7,828 |
| Net charge-offs to loans | 6.3634% | 154 |
| Credit loss provision to net charge-offs | 112.0073% | 4,894 |
| Earnings coverage of net charge-offs (x) | -0.0111% | 6,215 |
| Efficiency ratio | 101.5823% | 1,026 |
| Assets per employee ($millions) | 4.8512% | 2,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6605% | 1,058 |
| Loan loss allowance to noncurrent loans | 23.0742% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 9.7114% | 389 |
| Noncurrent loans to loans | 11.5301% | 306 |
| Net loans and leases to total assets | 70.4093% | 3,157 |
| Net loans and leases to deposits | 86.3135% | 2,854 |
| Net loans and leases to core deposits | 107.4084% | 3,172 |
| Total domestic deposits to total assets | 81.5740% | 5,121 |
| Equity capital to assets | 4.6106% | 7,814 |
| Core capital (leverage) ratio | 4.0863% | 7,838 |
| Tier 1 risk-based capital ratio | 5.4619% | 7,846 |
| Total risk-based capital ratio | 6.7138% | 7,850 |
| Memoranda: | ||
| Average total assets | $217,090,200 | 2,980 |
| Average earning assets | $203,495,800 | 2,925 |
| Average equity | $14,010,200 | 4,247 |
| Average total loans | $155,090,600 | 2,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 5,813 |
| Cost of funding earning assets | 2.2872% | 2,031 |
| Net interest margin | 2.9287% | 6,783 |
| Noninterest income to average assets | 0.7797% | 2,549 |
| Noninterest expense to average assets | 3.5706% | 2,093 |
| Loan and lease loss provision to assets | 4.2674% | 252 |
| Net operating income to assets | -4.0498% | 7,758 |
| Return on assets (ROA) | -3.9480% | 7,745 |
| Pretax return on assets | -4.2051% | 7,720 |
| Return on Equity (ROE) | -57.3879% | 7,885 |
| Retained earnings to average equity (ytd only) | -57.3879% | 7,883 |
| Net charge-offs to loans | 5.1695% | 206 |
| Credit loss provision to net charge-offs | 115.8837% | 4,382 |
| Earnings coverage of net charge-offs (x) | -0.0125% | 6,083 |
| Efficiency ratio | 101.3043% | 1,006 |
| Assets per employee ($millions) | 4.8071% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4458% | 1,118 |
| Loan loss allowance to noncurrent loans | 24.0580% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 7.8047% | 559 |
| Noncurrent loans to loans | 10.1661% | 387 |
| Net loans and leases to total assets | 68.2797% | 3,892 |
| Net loans and leases to deposits | 81.5511% | 4,107 |
| Net loans and leases to core deposits | 110.3118% | 3,202 |
| Total domestic deposits to total assets | 83.7263% | 3,848 |
| Equity capital to assets | 6.0027% | 7,861 |
| Core capital (leverage) ratio | 5.5233% | 7,865 |
| Tier 1 risk-based capital ratio | 7.7387% | 7,830 |
| Total risk-based capital ratio | 9.0024% | 7,836 |
| Memoranda: | ||
| Average total assets | $220,425,250 | 2,951 |
| Average earning assets | $206,592,750 | 2,897 |
| Average equity | $15,164,250 | 4,065 |
| Average total loans | $157,018,250 | 2,840 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 6,174 |
| Cost of funding earning assets | 2.3623% | 2,115 |
| Net interest margin | 2.8104% | 6,993 |
| Noninterest income to average assets | 0.6465% | 3,371 |
| Noninterest expense to average assets | 3.1922% | 3,359 |
| Loan and lease loss provision to assets | 3.7377% | 358 |
| Net operating income to assets | -2.3653% | 7,530 |
| Return on assets (ROA) | -2.3653% | 7,523 |
| Pretax return on assets | -3.6538% | 7,702 |
| Return on Equity (ROE) | -33.0131% | 7,754 |
| Retained earnings to average equity (ytd only) | -33.0131% | 7,730 |
| Net charge-offs to loans | 4.3880% | 300 |
| Credit loss provision to net charge-offs | 118.9042% | 3,908 |
| Earnings coverage of net charge-offs (x) | 0.0267% | 5,648 |
| Efficiency ratio | 97.4401% | 1,295 |
| Assets per employee ($millions) | 4.9533% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,260 |
| Loan loss allowance to noncurrent loans | 25.3510% | 6,820 |
| Noncurrent assets plus other real estate owned to assets | 6.8731% | 635 |
| Noncurrent loans to loans | 8.6450% | 469 |
| Net loans and leases to total assets | 67.9750% | 4,153 |
| Net loans and leases to deposits | 84.3381% | 3,817 |
| Net loans and leases to core deposits | 110.7817% | 3,291 |
| Total domestic deposits to total assets | 80.5983% | 5,235 |
| Equity capital to assets | 6.7058% | 7,751 |
| Core capital (leverage) ratio | 6.5822% | 7,754 |
| Tier 1 risk-based capital ratio | 8.9809% | 7,707 |
| Total risk-based capital ratio | 10.2415% | 7,721 |
| Memoranda: | ||
| Average total assets | $221,794,000 | 2,952 |
| Average earning assets | $207,512,330 | 2,903 |
| Average equity | $15,890,670 | 3,943 |
| Average total loans | $158,889,330 | 2,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 6,482 |
| Cost of funding earning assets | 2.3747% | 2,396 |
| Net interest margin | 2.7773% | 7,037 |
| Noninterest income to average assets | 0.6581% | 3,154 |
| Noninterest expense to average assets | 2.9434% | 3,999 |
| Loan and lease loss provision to assets | 3.3357% | 316 |
| Net operating income to assets | -1.8640% | 7,619 |
| Return on assets (ROA) | -1.8640% | 7,621 |
| Pretax return on assets | -3.0266% | 7,764 |
| Return on Equity (ROE) | -25.2040% | 7,847 |
| Retained earnings to average equity (ytd only) | -25.2040% | 7,774 |
| Net charge-offs to loans | 3.6027% | 340 |
| Credit loss provision to net charge-offs | 127.3292% | 3,133 |
| Earnings coverage of net charge-offs (x) | 0.1180% | 4,883 |
| Efficiency ratio | 90.4947% | 1,684 |
| Assets per employee ($millions) | 4.9778% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9768% | 1,469 |
| Loan loss allowance to noncurrent loans | 17.4628% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 8.0431% | 366 |
| Noncurrent loans to loans | 11.3201% | 209 |
| Net loans and leases to total assets | 67.8471% | 4,175 |
| Net loans and leases to deposits | 85.2358% | 3,769 |
| Net loans and leases to core deposits | 107.9574% | 3,687 |
| Total domestic deposits to total assets | 79.5994% | 5,506 |
| Equity capital to assets | 6.9234% | 7,713 |
| Core capital (leverage) ratio | 7.2427% | 7,436 |
| Tier 1 risk-based capital ratio | 9.3371% | 7,558 |
| Total risk-based capital ratio | 10.5927% | 7,519 |
| Memoranda: | ||
| Average total assets | $221,242,000 | 2,974 |
| Average earning assets | $206,678,000 | 2,928 |
| Average equity | $16,362,500 | 3,869 |
| Average total loans | $160,879,000 | 2,828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4886% | 3,018 |
| Cost of funding earning assets | 2.5852% | 3,759 |
| Net interest margin | 3.9034% | 3,542 |
| Noninterest income to average assets | 1.1974% | 1,051 |
| Noninterest expense to average assets | 3.3595% | 2,798 |
| Loan and lease loss provision to assets | 1.9467% | 634 |
| Net operating income to assets | -0.2904% | 6,723 |
| Return on assets (ROA) | -0.2862% | 6,576 |
| Pretax return on assets | -0.4652% | 6,626 |
| Return on Equity (ROE) | -3.4792% | 6,684 |
| Retained earnings to average equity (ytd only) | -3.4792% | 6,226 |
| Net charge-offs to loans | 1.7165% | 642 |
| Credit loss provision to net charge-offs | 144.1948% | 3,666 |
| Earnings coverage of net charge-offs (x) | 1.0925% | 5,576 |
| Efficiency ratio | 69.4906% | 4,448 |
| Assets per employee ($millions) | 4.5427% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 1,980 |
| Loan loss allowance to noncurrent loans | 21.0364% | 7,188 |
| Noncurrent assets plus other real estate owned to assets | 6.0916% | 482 |
| Noncurrent loans to loans | 7.9659% | 338 |
| Net loans and leases to total assets | 75.1895% | 2,835 |
| Net loans and leases to deposits | 95.9845% | 2,453 |
| Net loans and leases to core deposits | 117.0764% | 2,997 |
| Total domestic deposits to total assets | 78.3350% | 5,599 |
| Equity capital to assets | 7.9024% | 6,968 |
| Core capital (leverage) ratio | 8.2308% | 6,104 |
| Tier 1 risk-based capital ratio | 9.9245% | 6,818 |
| Total risk-based capital ratio | 11.1788% | 6,699 |
| Memoranda: | ||
| Average total assets | $197,766,600 | 3,169 |
| Average earning assets | $184,277,400 | 3,129 |
| Average equity | $16,268,200 | 3,872 |
| Average total loans | $155,548,000 | 2,840 |