Home > American Bank of Huntsville > Performance and Condition Ratios
American Bank of Huntsville, Performance and Condition Ratios
| 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 | 4.5601% | 1,359 |
| Cost of funding earning assets | 1.1881% | 59 |
| Net interest margin | 3.3720% | 3,972 |
| Noninterest income to average assets | 1.3219% | 626 |
| Noninterest expense to average assets | 4.7851% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5899% | 5,984 |
| Return on assets (ROA) | -0.5899% | 5,990 |
| Pretax return on assets | -0.5899% | 5,982 |
| Return on Equity (ROE) | -7.1189% | 6,004 |
| Retained earnings to average equity (ytd only) | -7.1189% | 5,725 |
| Net charge-offs to loans | 0.0688% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -10.8000% | 3,060 |
| Efficiency ratio | 114.0625% | 135 |
| Assets per employee ($millions) | 3.4546% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 3,303 |
| Loan loss allowance to noncurrent loans | 34.9919% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 4.5671% | 194 |
| Noncurrent loans to loans | 3.5176% | 384 |
| Net loans and leases to total assets | 80.6224% | 726 |
| Net loans and leases to deposits | 103.9464% | 415 |
| Net loans and leases to core deposits | 114.4287% | 651 |
| Total domestic deposits to total assets | 77.5616% | 5,211 |
| Equity capital to assets | 8.4301% | 5,614 |
| Core capital (leverage) ratio | 8.2971% | 5,572 |
| Tier 1 risk-based capital ratio | 10.0667% | 5,898 |
| Total risk-based capital ratio | 11.2863% | 5,848 |
| Memoranda: | ||
| Average total assets | $109,840,500 | 4,264 |
| Average earning assets | $93,594,500 | 4,434 |
| Average equity | $9,102,500 | 4,841 |
| Average total loans | $87,259,000 | 3,671 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6818% | 1,142 |
| Cost of funding earning assets | 1.3531% | 29 |
| Net interest margin | 3.3287% | 4,187 |
| Noninterest income to average assets | 0.6418% | 2,506 |
| Noninterest expense to average assets | 4.4677% | 421 |
| Loan and lease loss provision to assets | 0.2421% | 788 |
| Net operating income to assets | -1.2679% | 6,117 |
| Return on assets (ROA) | -1.2679% | 6,119 |
| Pretax return on assets | -1.2679% | 6,117 |
| Return on Equity (ROE) | -15.3554% | 6,120 |
| Retained earnings to average equity (ytd only) | -15.3554% | 6,089 |
| Net charge-offs to loans | 0.9846% | 207 |
| Credit loss provision to net charge-offs | 32.4176% | 3,617 |
| Earnings coverage of net charge-offs (x) | -1.3736% | 4,345 |
| Efficiency ratio | 129.8045% | 68 |
| Assets per employee ($millions) | 3.1274% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 3,155 |
| Loan loss allowance to noncurrent loans | 50.6500% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 3.6602% | 309 |
| Noncurrent loans to loans | 2.4730% | 752 |
| Net loans and leases to total assets | 76.3936% | 1,347 |
| Net loans and leases to deposits | 92.0553% | 1,393 |
| Net loans and leases to core deposits | 105.4018% | 1,139 |
| Total domestic deposits to total assets | 82.9866% | 3,836 |
| Equity capital to assets | 8.1510% | 5,783 |
| Core capital (leverage) ratio | 7.7432% | 5,928 |
| Tier 1 risk-based capital ratio | 10.6187% | 5,720 |
| Total risk-based capital ratio | 11.8684% | 5,640 |
| Memoranda: | ||
| Average total assets | $121,852,400 | 4,038 |
| Average earning assets | $102,503,200 | 4,224 |
| Average equity | $10,061,600 | 4,655 |
| Average total loans | $92,424,000 | 3,536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,171 |
| Cost of funding earning assets | 1.3543% | 34 |
| Net interest margin | 3.3089% | 4,304 |
| Noninterest income to average assets | 0.6249% | 2,606 |
| Noninterest expense to average assets | 4.2393% | 520 |
| Loan and lease loss provision to assets | 0.3168% | 450 |
| Net operating income to assets | -1.1371% | 6,201 |
| Return on assets (ROA) | -1.1371% | 6,200 |
| Pretax return on assets | -1.1371% | 6,197 |
| Return on Equity (ROE) | -13.7313% | 6,206 |
| Retained earnings to average equity (ytd only) | -13.7313% | 6,168 |
| Net charge-offs to loans | 1.1619% | 143 |
| Credit loss provision to net charge-offs | 36.1077% | 3,207 |
| Earnings coverage of net charge-offs (x) | -0.9351% | 4,051 |
| Efficiency ratio | 123.9950% | 87 |
| Assets per employee ($millions) | 3.4319% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,778 |
| Loan loss allowance to noncurrent loans | 50.7937% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 3.9710% | 303 |
| Noncurrent loans to loans | 2.6820% | 722 |
| Net loans and leases to total assets | 69.3898% | 2,478 |
| Net loans and leases to deposits | 83.9353% | 2,416 |
| Net loans and leases to core deposits | 95.3074% | 1,946 |
| Total domestic deposits to total assets | 82.6706% | 3,931 |
| Equity capital to assets | 7.8318% | 6,013 |
| Core capital (leverage) ratio | 7.6520% | 6,021 |
| Tier 1 risk-based capital ratio | 10.9533% | 5,681 |
| Total risk-based capital ratio | 12.2047% | 5,591 |
| Memoranda: | ||
| Average total assets | $124,168,500 | 4,039 |
| Average earning assets | $104,844,750 | 4,214 |
| Average equity | $10,282,750 | 4,658 |
| Average total loans | $93,754,750 | 3,537 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7599% | 970 |
| Cost of funding earning assets | 1.3418% | 33 |
| Net interest margin | 3.4181% | 3,840 |
| Noninterest income to average assets | 0.6657% | 2,384 |
| Noninterest expense to average assets | 4.2130% | 536 |
| Loan and lease loss provision to assets | 0.1045% | 2,085 |
| Net operating income to assets | -0.7558% | 6,234 |
| Return on assets (ROA) | -0.7558% | 6,238 |
| Pretax return on assets | -0.7558% | 6,227 |
| Return on Equity (ROE) | -8.9652% | 6,250 |
| Retained earnings to average equity (ytd only) | -8.9652% | 6,156 |
| Net charge-offs to loans | 1.1163% | 172 |
| Credit loss provision to net charge-offs | 12.1269% | 3,084 |
| Earnings coverage of net charge-offs (x) | -0.7556% | 3,761 |
| Efficiency ratio | 118.2844% | 112 |
| Assets per employee ($millions) | 3.5172% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 3,039 |
| Loan loss allowance to noncurrent loans | 47.8682% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 4.4151% | 270 |
| Noncurrent loans to loans | 2.7942% | 747 |
| Net loans and leases to total assets | 74.0026% | 1,659 |
| Net loans and leases to deposits | 90.4145% | 1,544 |
| Net loans and leases to core deposits | 101.1425% | 1,394 |
| Total domestic deposits to total assets | 81.8482% | 4,347 |
| Equity capital to assets | 8.3346% | 5,805 |
| Core capital (leverage) ratio | 8.2154% | 5,777 |
| Tier 1 risk-based capital ratio | 11.1054% | 5,659 |
| Total risk-based capital ratio | 12.3564% | 5,587 |
| Memoranda: | ||
| Average total assets | $124,375,670 | 4,065 |
| Average earning assets | $105,381,330 | 4,235 |
| Average equity | $10,485,000 | 4,654 |
| Average total loans | $96,035,330 | 3,509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8718% | 745 |
| Cost of funding earning assets | 1.3359% | 36 |
| Net interest margin | 3.5359% | 3,279 |
| Noninterest income to average assets | 0.6335% | 2,480 |
| Noninterest expense to average assets | 4.3675% | 473 |
| Loan and lease loss provision to assets | 0.2080% | 864 |
| Net operating income to assets | -0.9439% | 6,312 |
| Return on assets (ROA) | -0.9439% | 6,316 |
| Pretax return on assets | -0.9439% | 6,306 |
| Return on Equity (ROE) | -11.1347% | 6,325 |
| Retained earnings to average equity (ytd only) | -11.1347% | 6,157 |
| Net charge-offs to loans | 2.1086% | 83 |
| Credit loss provision to net charge-offs | 12.5969% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.4457% | 3,145 |
| Efficiency ratio | 120.2643% | 128 |
| Assets per employee ($millions) | 3.7269% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 3,423 |
| Loan loss allowance to noncurrent loans | 59.0588% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 3.9104% | 389 |
| Noncurrent loans to loans | 2.1947% | 1,154 |
| Net loans and leases to total assets | 75.4224% | 1,289 |
| Net loans and leases to deposits | 92.0952% | 1,171 |
| Net loans and leases to core deposits | 103.9448% | 1,067 |
| Total domestic deposits to total assets | 81.8961% | 4,539 |
| Equity capital to assets | 8.2517% | 5,902 |
| Core capital (leverage) ratio | 8.3238% | 5,700 |
| Tier 1 risk-based capital ratio | 11.1266% | 5,750 |
| Total risk-based capital ratio | 12.3772% | 5,665 |
| Memoranda: | ||
| Average total assets | $125,013,000 | 4,084 |
| Average earning assets | $105,997,500 | 4,250 |
| Average equity | $10,597,500 | 4,679 |
| Average total loans | $97,886,500 | 3,492 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 549 |
| Cost of funding earning assets | 1.2395% | 69 |
| Net interest margin | 3.9299% | 2,120 |
| Noninterest income to average assets | 0.5374% | 3,258 |
| Noninterest expense to average assets | 4.2892% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3680% | 6,263 |
| Return on assets (ROA) | -0.3680% | 6,260 |
| Pretax return on assets | -0.3680% | 6,242 |
| Return on Equity (ROE) | -4.3920% | 6,276 |
| Retained earnings to average equity (ytd only) | -4.3920% | 6,157 |
| Net charge-offs to loans | 0.0798% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -5.7765% | 4,893 |
| Efficiency ratio | 109.3846% | 229 |
| Assets per employee ($millions) | 3.6279% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,714 |
| Loan loss allowance to noncurrent loans | 118.8850% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 3.7382% | 477 |
| Noncurrent loans to loans | 1.4503% | 2,025 |
| Net loans and leases to total assets | 78.8361% | 902 |
| Net loans and leases to deposits | 97.2897% | 808 |
| Net loans and leases to core deposits | 110.0683% | 770 |
| Total domestic deposits to total assets | 81.0324% | 4,739 |
| Equity capital to assets | 8.7744% | 5,510 |
| Core capital (leverage) ratio | 8.6578% | 5,385 |
| Tier 1 risk-based capital ratio | 11.7402% | 5,520 |
| Total risk-based capital ratio | 12.9977% | 5,428 |
| Memoranda: | ||
| Average total assets | $133,429,200 | 3,913 |
| Average earning assets | $114,887,800 | 4,076 |
| Average equity | $11,179,400 | 4,527 |
| Average total loans | $106,485,600 | 3,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 524 |
| Cost of funding earning assets | 1.2144% | 83 |
| Net interest margin | 3.9867% | 1,919 |
| Noninterest income to average assets | 0.3295% | 4,799 |
| Noninterest expense to average assets | 4.0200% | 738 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2520% | 6,290 |
| Return on assets (ROA) | -0.2520% | 6,291 |
| Pretax return on assets | -0.2520% | 6,273 |
| Return on Equity (ROE) | -3.0409% | 6,317 |
| Retained earnings to average equity (ytd only) | -3.0409% | 6,148 |
| Net charge-offs to loans | -0.0295% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6892% | 261 |
| Assets per employee ($millions) | 3.8189% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,939 |
| Loan loss allowance to noncurrent loans | 65.6657% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 4.7758% | 373 |
| Noncurrent loans to loans | 2.6035% | 1,100 |
| Net loans and leases to total assets | 80.3671% | 678 |
| Net loans and leases to deposits | 101.3343% | 532 |
| Net loans and leases to core deposits | 113.5040% | 602 |
| Total domestic deposits to total assets | 79.3089% | 5,262 |
| Equity capital to assets | 8.5033% | 5,794 |
| Core capital (leverage) ratio | 8.4012% | 5,754 |
| Tier 1 risk-based capital ratio | 11.1667% | 5,926 |
| Total risk-based capital ratio | 12.4246% | 5,872 |
| Memoranda: | ||
| Average total assets | $135,949,750 | 3,901 |
| Average earning assets | $117,254,500 | 4,050 |
| Average equity | $11,268,500 | 4,536 |
| Average total loans | $108,370,000 | 3,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2295% | 482 |
| Cost of funding earning assets | 1.1987% | 92 |
| Net interest margin | 4.0308% | 1,719 |
| Noninterest income to average assets | 0.3508% | 4,617 |
| Noninterest expense to average assets | 3.9482% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1174% | 6,269 |
| Return on assets (ROA) | -0.1174% | 6,281 |
| Pretax return on assets | -0.1174% | 6,268 |
| Return on Equity (ROE) | -1.4280% | 6,300 |
| Retained earnings to average equity (ytd only) | -1.4280% | 5,917 |
| Net charge-offs to loans | -0.0477% | 5,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0647% | 333 |
| Assets per employee ($millions) | 4.0499% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 2,072 |
| Loan loss allowance to noncurrent loans | 58.5562% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 5.1030% | 344 |
| Noncurrent loans to loans | 2.9394% | 1,006 |
| Net loans and leases to total assets | 77.6299% | 954 |
| Net loans and leases to deposits | 94.9831% | 881 |
| Net loans and leases to core deposits | 105.6442% | 917 |
| Total domestic deposits to total assets | 81.7302% | 4,739 |
| Equity capital to assets | 8.3982% | 5,884 |
| Core capital (leverage) ratio | 8.2888% | 5,859 |
| Tier 1 risk-based capital ratio | 11.3322% | 5,885 |
| Total risk-based capital ratio | 12.5903% | 5,834 |
| Memoranda: | ||
| Average total assets | $137,985,330 | 3,887 |
| Average earning assets | $119,132,000 | 4,031 |
| Average equity | $11,344,330 | 4,530 |
| Average total loans | $109,104,670 | 3,268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2723% | 430 |
| Cost of funding earning assets | 1.1786% | 103 |
| Net interest margin | 4.0938% | 1,469 |
| Noninterest income to average assets | 0.6450% | 2,486 |
| Noninterest expense to average assets | 3.9842% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2198% | 5,744 |
| Return on assets (ROA) | 0.2198% | 5,795 |
| Pretax return on assets | 0.2198% | 5,887 |
| Return on Equity (ROE) | 2.7007% | 5,562 |
| Retained earnings to average equity (ytd only) | 2.7007% | 4,465 |
| Net charge-offs to loans | -0.2273% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7726% | 708 |
| Assets per employee ($millions) | 4.0005% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 2,463 |
| Loan loss allowance to noncurrent loans | 58.5836% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 5.0987% | 393 |
| Noncurrent loans to loans | 2.8388% | 1,159 |
| Net loans and leases to total assets | 78.2525% | 740 |
| Net loans and leases to deposits | 99.3670% | 473 |
| Net loans and leases to core deposits | 115.2089% | 425 |
| Total domestic deposits to total assets | 78.7510% | 5,722 |
| Equity capital to assets | 8.1755% | 5,928 |
| Core capital (leverage) ratio | 8.0967% | 6,042 |
| Tier 1 risk-based capital ratio | 11.0057% | 6,152 |
| Total risk-based capital ratio | 12.2630% | 6,102 |
| Memoranda: | ||
| Average total assets | $140,154,500 | 3,874 |
| Average earning assets | $121,843,500 | 4,004 |
| Average equity | $11,404,500 | 4,524 |
| Average total loans | $110,873,500 | 3,246 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0391% | 850 |
| Cost of funding earning assets | 1.3690% | 81 |
| Net interest margin | 3.6701% | 3,174 |
| Noninterest income to average assets | 1.6223% | 541 |
| Noninterest expense to average assets | 5.9269% | 211 |
| Loan and lease loss provision to assets | 0.5130% | 540 |
| Net operating income to assets | -1.6275% | 6,685 |
| Return on assets (ROA) | -4.0600% | 6,787 |
| Pretax return on assets | -4.0600% | 6,786 |
| Return on Equity (ROE) | -38.4047% | 6,755 |
| Retained earnings to average equity (ytd only) | -38.4047% | 6,752 |
| Net charge-offs to loans | 1.4798% | 323 |
| Credit loss provision to net charge-offs | 46.3820% | 3,906 |
| Earnings coverage of net charge-offs (x) | -1.0077% | 5,263 |
| Efficiency ratio | 123.1598% | 159 |
| Assets per employee ($millions) | 3.6919% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 2,672 |
| Loan loss allowance to noncurrent loans | 50.2243% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 4.9375% | 483 |
| Noncurrent loans to loans | 3.2322% | 1,036 |
| Net loans and leases to total assets | 77.3645% | 907 |
| Net loans and leases to deposits | 94.3365% | 856 |
| Net loans and leases to core deposits | 103.9358% | 916 |
| Total domestic deposits to total assets | 82.0091% | 4,872 |
| Equity capital to assets | 8.0988% | 5,938 |
| Core capital (leverage) ratio | 8.0221% | 6,117 |
| Tier 1 risk-based capital ratio | 11.1648% | 6,091 |
| Total risk-based capital ratio | 12.4218% | 6,043 |
| Memoranda: | ||
| Average total assets | $152,439,600 | 3,666 |
| Average earning assets | $132,504,400 | 3,788 |
| Average equity | $16,115,200 | 3,682 |
| Average total loans | $113,932,400 | 3,172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0303% | 884 |
| Cost of funding earning assets | 1.3672% | 85 |
| Net interest margin | 3.6630% | 3,182 |
| Noninterest income to average assets | 2.0256% | 412 |
| Noninterest expense to average assets | 6.0655% | 198 |
| Loan and lease loss provision to assets | 0.2761% | 1,261 |
| Net operating income to assets | -0.7897% | 6,668 |
| Return on assets (ROA) | -0.7589% | 6,671 |
| Pretax return on assets | -1.0985% | 6,710 |
| Return on Equity (ROE) | -6.8193% | 6,646 |
| Retained earnings to average equity (ytd only) | -6.8193% | 6,568 |
| Net charge-offs to loans | 1.3608% | 383 |
| Credit loss provision to net charge-offs | 27.4744% | 3,942 |
| Earnings coverage of net charge-offs (x) | -0.8626% | 4,999 |
| Efficiency ratio | 116.6777% | 200 |
| Assets per employee ($millions) | 3.0174% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6818% | 2,685 |
| Loan loss allowance to noncurrent loans | 45.0330% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 5.0024% | 553 |
| Noncurrent loans to loans | 3.7346% | 986 |
| Net loans and leases to total assets | 70.0900% | 1,951 |
| Net loans and leases to deposits | 87.3422% | 1,449 |
| Net loans and leases to core deposits | 95.6850% | 1,422 |
| Total domestic deposits to total assets | 80.2476% | 5,446 |
| Equity capital to assets | 10.8354% | 2,928 |
| Core capital (leverage) ratio | 8.5205% | 5,749 |
| Tier 1 risk-based capital ratio | 12.8599% | 5,216 |
| Total risk-based capital ratio | 14.1177% | 5,154 |
| Memoranda: | ||
| Average total assets | $155,476,250 | 3,657 |
| Average earning assets | $134,675,000 | 3,781 |
| Average equity | $17,303,500 | 3,563 |
| Average total loans | $114,833,500 | 3,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 808 |
| Cost of funding earning assets | 1.3738% | 96 |
| Net interest margin | 3.7025% | 2,945 |
| Noninterest income to average assets | 2.5678% | 307 |
| Noninterest expense to average assets | 6.2228% | 191 |
| Loan and lease loss provision to assets | 0.2436% | 1,531 |
| Net operating income to assets | -0.4273% | 6,613 |
| Return on assets (ROA) | -0.3846% | 6,618 |
| Pretax return on assets | -0.6256% | 6,668 |
| Return on Equity (ROE) | -3.4260% | 6,598 |
| Retained earnings to average equity (ytd only) | -3.4260% | 6,349 |
| Net charge-offs to loans | 1.5016% | 349 |
| Credit loss provision to net charge-offs | 21.7143% | 3,702 |
| Earnings coverage of net charge-offs (x) | -0.4000% | 4,650 |
| Efficiency ratio | 107.7709% | 315 |
| Assets per employee ($millions) | 2.4172% | 6,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 2,426 |
| Loan loss allowance to noncurrent loans | 46.2601% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 4.7059% | 677 |
| Noncurrent loans to loans | 3.8972% | 1,018 |
| Net loans and leases to total assets | 70.7708% | 1,755 |
| Net loans and leases to deposits | 88.7398% | 1,261 |
| Net loans and leases to core deposits | 97.1394% | 1,272 |
| Total domestic deposits to total assets | 79.7509% | 5,658 |
| Equity capital to assets | 11.1585% | 2,601 |
| Core capital (leverage) ratio | 8.8603% | 5,211 |
| Tier 1 risk-based capital ratio | 13.1237% | 5,050 |
| Total risk-based capital ratio | 14.3830% | 4,988 |
| Memoranda: | ||
| Average total assets | $156,006,670 | 3,671 |
| Average earning assets | $135,098,670 | 3,804 |
| Average equity | $17,513,330 | 3,550 |
| Average total loans | $116,543,670 | 3,135 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 543 |
| Cost of funding earning assets | 1.3743% | 113 |
| Net interest margin | 3.8893% | 2,154 |
| Noninterest income to average assets | 3.0231% | 247 |
| Noninterest expense to average assets | 6.2504% | 191 |
| Loan and lease loss provision to assets | 0.1021% | 2,973 |
| Net operating income to assets | 0.0146% | 6,319 |
| Return on assets (ROA) | 0.0996% | 6,244 |
| Pretax return on assets | 0.1634% | 6,147 |
| Return on Equity (ROE) | 0.8844% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,493 |
| Net charge-offs to loans | 1.6730% | 303 |
| Credit loss provision to net charge-offs | 8.0321% | 3,167 |
| Earnings coverage of net charge-offs (x) | 0.1044% | 3,785 |
| Efficiency ratio | 97.9200% | 636 |
| Assets per employee ($millions) | 2.1907% | 6,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 2,211 |
| Loan loss allowance to noncurrent loans | 43.3275% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 5.3564% | 650 |
| Noncurrent loans to loans | 4.4636% | 939 |
| Net loans and leases to total assets | 73.9703% | 1,084 |
| Net loans and leases to deposits | 93.5159% | 699 |
| Net loans and leases to core deposits | 103.7244% | 734 |
| Total domestic deposits to total assets | 79.0992% | 5,945 |
| Equity capital to assets | 11.5124% | 2,400 |
| Core capital (leverage) ratio | 9.1716% | 4,610 |
| Tier 1 risk-based capital ratio | 13.0636% | 5,169 |
| Total risk-based capital ratio | 14.3249% | 5,117 |
| Memoranda: | ||
| Average total assets | $156,661,000 | 3,698 |
| Average earning assets | $135,346,000 | 3,839 |
| Average equity | $17,639,000 | 3,573 |
| Average total loans | $119,070,000 | 3,104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1636% | 1,183 |
| Cost of funding earning assets | 1.4546% | 202 |
| Net interest margin | 3.7090% | 3,611 |
| Noninterest income to average assets | 3.1983% | 232 |
| Noninterest expense to average assets | 5.7665% | 243 |
| Loan and lease loss provision to assets | 1.4505% | 224 |
| Net operating income to assets | -0.5265% | 6,585 |
| Return on assets (ROA) | -0.5265% | 6,617 |
| Pretax return on assets | -0.7777% | 6,667 |
| Return on Equity (ROE) | -5.1068% | 6,596 |
| Retained earnings to average equity (ytd only) | -5.1068% | 6,431 |
| Net charge-offs to loans | 2.0787% | 346 |
| Credit loss provision to net charge-offs | 92.2063% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.4277% | 5,272 |
| Efficiency ratio | 89.5511% | 1,104 |
| Assets per employee ($millions) | 2.1330% | 6,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2005% | 1,549 |
| Loan loss allowance to noncurrent loans | 41.9782% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 5.6622% | 649 |
| Noncurrent loans to loans | 5.2421% | 736 |
| Net loans and leases to total assets | 74.8722% | 1,068 |
| Net loans and leases to deposits | 93.9007% | 756 |
| Net loans and leases to core deposits | 104.7469% | 745 |
| Total domestic deposits to total assets | 79.7355% | 5,735 |
| Equity capital to assets | 11.0168% | 2,930 |
| Core capital (leverage) ratio | 8.7648% | 5,238 |
| Tier 1 risk-based capital ratio | 12.7423% | 5,301 |
| Total risk-based capital ratio | 14.0076% | 5,224 |
| Memoranda: | ||
| Average total assets | $168,837,800 | 3,478 |
| Average earning assets | $147,532,400 | 3,596 |
| Average equity | $17,408,000 | 3,557 |
| Average total loans | $127,770,800 | 2,919 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 1,298 |
| Cost of funding earning assets | 1.4643% | 236 |
| Net interest margin | 3.6862% | 3,853 |
| Noninterest income to average assets | 2.7063% | 286 |
| Noninterest expense to average assets | 5.5732% | 257 |
| Loan and lease loss provision to assets | 1.6556% | 176 |
| Net operating income to assets | -0.7927% | 6,808 |
| Return on assets (ROA) | -0.7927% | 6,829 |
| Pretax return on assets | -1.2947% | 6,924 |
| Return on Equity (ROE) | -7.8136% | 6,806 |
| Retained earnings to average equity (ytd only) | -7.8136% | 6,742 |
| Net charge-offs to loans | 2.2350% | 304 |
| Credit loss provision to net charge-offs | 98.1516% | 3,048 |
| Earnings coverage of net charge-offs (x) | 0.2140% | 5,218 |
| Efficiency ratio | 93.9183% | 780 |
| Assets per employee ($millions) | 2.3092% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1541% | 1,798 |
| Loan loss allowance to noncurrent loans | 27.2260% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 7.6036% | 427 |
| Noncurrent loans to loans | 7.9118% | 405 |
| Net loans and leases to total assets | 78.1906% | 710 |
| Net loans and leases to deposits | 97.2858% | 582 |
| Net loans and leases to core deposits | 108.8530% | 614 |
| Total domestic deposits to total assets | 80.3721% | 5,557 |
| Equity capital to assets | 10.5255% | 3,812 |
| Core capital (leverage) ratio | 8.3938% | 5,906 |
| Tier 1 risk-based capital ratio | 11.9747% | 5,954 |
| Total risk-based capital ratio | 13.2406% | 5,930 |
| Memoranda: | ||
| Average total assets | $171,053,750 | 3,469 |
| Average earning assets | $149,780,000 | 3,590 |
| Average equity | $17,354,000 | 3,592 |
| Average total loans | $129,095,750 | 2,936 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 1,263 |
| Cost of funding earning assets | 1.4808% | 259 |
| Net interest margin | 3.7160% | 3,749 |
| Noninterest income to average assets | 2.0654% | 383 |
| Noninterest expense to average assets | 5.3646% | 295 |
| Loan and lease loss provision to assets | 1.9786% | 149 |
| Net operating income to assets | -1.2395% | 6,967 |
| Return on assets (ROA) | -1.2395% | 6,980 |
| Pretax return on assets | -2.0191% | 7,068 |
| Return on Equity (ROE) | -12.3661% | 6,947 |
| Retained earnings to average equity (ytd only) | -12.3661% | 6,896 |
| Net charge-offs to loans | 2.4265% | 299 |
| Credit loss provision to net charge-offs | 110.1225% | 2,477 |
| Earnings coverage of net charge-offs (x) | -0.0226% | 5,095 |
| Efficiency ratio | 100.7615% | 534 |
| Assets per employee ($millions) | 2.3605% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4446% | 1,357 |
| Loan loss allowance to noncurrent loans | 54.9587% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 4.7471% | 1,015 |
| Noncurrent loans to loans | 4.4481% | 1,200 |
| Net loans and leases to total assets | 72.8368% | 1,417 |
| Net loans and leases to deposits | 90.3950% | 1,110 |
| Net loans and leases to core deposits | 101.2273% | 1,026 |
| Total domestic deposits to total assets | 80.5761% | 5,594 |
| Equity capital to assets | 10.4023% | 3,810 |
| Core capital (leverage) ratio | 8.2957% | 5,915 |
| Tier 1 risk-based capital ratio | 12.0518% | 5,894 |
| Total risk-based capital ratio | 13.3201% | 5,862 |
| Memoranda: | ||
| Average total assets | $172,650,670 | 3,463 |
| Average earning assets | $151,401,000 | 3,576 |
| Average equity | $17,305,330 | 3,597 |
| Average total loans | $127,839,670 | 2,967 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 1,513 |
| Cost of funding earning assets | 1.4848% | 309 |
| Net interest margin | 3.6394% | 4,086 |
| Noninterest income to average assets | 1.0458% | 1,323 |
| Noninterest expense to average assets | 5.3066% | 302 |
| Loan and lease loss provision to assets | 3.9001% | 33 |
| Net operating income to assets | -3.0506% | 7,223 |
| Return on assets (ROA) | -3.0506% | 7,223 |
| Pretax return on assets | -4.9596% | 7,270 |
| Return on Equity (ROE) | -30.9959% | 7,168 |
| Retained earnings to average equity (ytd only) | -30.9959% | 7,139 |
| Net charge-offs to loans | 0.0898% | 3,620 |
| Credit loss provision to net charge-offs | 5,889.6552% | 39 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 4,698 |
| Efficiency ratio | 124.9462% | 183 |
| Assets per employee ($millions) | 2.5614% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7577% | 1,048 |
| Loan loss allowance to noncurrent loans | 54.5837% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 5.6994% | 846 |
| Noncurrent loans to loans | 5.0522% | 1,108 |
| Net loans and leases to total assets | 67.2370% | 2,242 |
| Net loans and leases to deposits | 82.0648% | 1,931 |
| Net loans and leases to core deposits | 96.8208% | 1,218 |
| Total domestic deposits to total assets | 81.9315% | 5,322 |
| Equity capital to assets | 9.4111% | 4,938 |
| Core capital (leverage) ratio | 7.7066% | 6,478 |
| Tier 1 risk-based capital ratio | 11.9571% | 5,984 |
| Total risk-based capital ratio | 13.2293% | 5,968 |
| Memoranda: | ||
| Average total assets | $175,177,000 | 3,453 |
| Average earning assets | $154,090,000 | 3,550 |
| Average equity | $17,241,000 | 3,609 |
| Average total loans | $129,193,500 | 2,954 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 1,431 |
| Cost of funding earning assets | 1.5052% | 699 |
| Net interest margin | 3.8890% | 3,384 |
| Noninterest income to average assets | 2.4291% | 279 |
| Noninterest expense to average assets | 4.9671% | 388 |
| Loan and lease loss provision to assets | 1.4241% | 535 |
| Net operating income to assets | -0.3017% | 6,346 |
| Return on assets (ROA) | -0.3413% | 6,424 |
| Pretax return on assets | -0.5296% | 6,510 |
| Return on Equity (ROE) | -3.4424% | 6,436 |
| Retained earnings to average equity (ytd only) | -3.4424% | 6,321 |
| Net charge-offs to loans | 1.5965% | 994 |
| Credit loss provision to net charge-offs | 117.7911% | 2,731 |
| Earnings coverage of net charge-offs (x) | 0.7911% | 5,199 |
| Efficiency ratio | 83.8536% | 1,781 |
| Assets per employee ($millions) | 2.4453% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,507 |
| Loan loss allowance to noncurrent loans | 24.0565% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 5.8630% | 851 |
| Noncurrent loans to loans | 4.8839% | 1,175 |
| Net loans and leases to total assets | 77.5181% | 768 |
| Net loans and leases to deposits | 98.9450% | 506 |
| Net loans and leases to core deposits | 116.8803% | 426 |
| Total domestic deposits to total assets | 78.3446% | 6,130 |
| Equity capital to assets | 10.2808% | 3,811 |
| Core capital (leverage) ratio | 8.7674% | 5,150 |
| Tier 1 risk-based capital ratio | 12.3253% | 5,601 |
| Total risk-based capital ratio | 13.5761% | 5,571 |
| Memoranda: | ||
| Average total assets | $178,996,400 | 3,351 |
| Average earning assets | $160,837,600 | 3,387 |
| Average equity | $17,749,000 | 3,461 |
| Average total loans | $135,545,800 | 2,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3565% | 1,658 |
| Cost of funding earning assets | 1.5474% | 723 |
| Net interest margin | 3.8091% | 3,826 |
| Noninterest income to average assets | 2.1958% | 326 |
| Noninterest expense to average assets | 4.8366% | 425 |
| Loan and lease loss provision to assets | 1.0898% | 758 |
| Net operating income to assets | -0.1804% | 6,365 |
| Return on assets (ROA) | -0.2329% | 6,498 |
| Pretax return on assets | -0.3785% | 6,550 |
| Return on Equity (ROE) | -2.3696% | 6,513 |
| Retained earnings to average equity (ytd only) | -2.3696% | 6,342 |
| Net charge-offs to loans | 1.2172% | 1,282 |
| Credit loss provision to net charge-offs | 119.2557% | 2,734 |
| Earnings coverage of net charge-offs (x) | 0.8681% | 4,966 |
| Efficiency ratio | 85.9094% | 1,541 |
| Assets per employee ($millions) | 2.6567% | 6,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 6,151 |
| Loan loss allowance to noncurrent loans | 22.6239% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 5.2824% | 1,079 |
| Noncurrent loans to loans | 4.5212% | 1,428 |
| Net loans and leases to total assets | 77.7713% | 731 |
| Net loans and leases to deposits | 95.6824% | 720 |
| Net loans and leases to core deposits | 113.9701% | 553 |
| Total domestic deposits to total assets | 81.2807% | 5,346 |
| Equity capital to assets | 9.8114% | 4,610 |
| Core capital (leverage) ratio | 8.3482% | 5,919 |
| Tier 1 risk-based capital ratio | 12.1282% | 5,797 |
| Total risk-based capital ratio | 13.3148% | 5,838 |
| Memoranda: | ||
| Average total assets | $180,341,750 | 3,343 |
| Average earning assets | $162,588,500 | 3,374 |
| Average equity | $17,724,000 | 3,469 |
| Average total loans | $135,386,500 | 2,912 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3619% | 1,683 |
| Cost of funding earning assets | 1.5619% | 807 |
| Net interest margin | 3.8001% | 3,784 |
| Noninterest income to average assets | 1.6423% | 487 |
| Noninterest expense to average assets | 4.5851% | 544 |
| Loan and lease loss provision to assets | 1.1851% | 662 |
| Net operating income to assets | -0.4183% | 6,625 |
| Return on assets (ROA) | -0.4183% | 6,651 |
| Pretax return on assets | -0.6802% | 6,754 |
| Return on Equity (ROE) | -4.2542% | 6,661 |
| Retained earnings to average equity (ytd only) | -4.2542% | 6,499 |
| Net charge-offs to loans | 1.2838% | 1,209 |
| Credit loss provision to net charge-offs | 124.9123% | 2,446 |
| Earnings coverage of net charge-offs (x) | 0.5322% | 4,909 |
| Efficiency ratio | 90.0807% | 1,231 |
| Assets per employee ($millions) | 2.7660% | 6,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0628% | 6,085 |
| Loan loss allowance to noncurrent loans | 30.6328% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 4.0697% | 1,572 |
| Noncurrent loans to loans | 3.4696% | 2,040 |
| Net loans and leases to total assets | 74.1379% | 1,389 |
| Net loans and leases to deposits | 89.6780% | 1,309 |
| Net loans and leases to core deposits | 106.1113% | 933 |
| Total domestic deposits to total assets | 82.6713% | 4,917 |
| Equity capital to assets | 9.2386% | 5,221 |
| Core capital (leverage) ratio | 7.8608% | 6,450 |
| Tier 1 risk-based capital ratio | 11.9763% | 5,804 |
| Total risk-based capital ratio | 13.2081% | 5,795 |
| Memoranda: | ||
| Average total assets | $180,236,330 | 3,365 |
| Average earning assets | $163,523,330 | 3,380 |
| Average equity | $17,723,670 | 3,460 |
| Average total loans | $133,198,000 | 2,980 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 2,986 |
| Cost of funding earning assets | 1.6315% | 724 |
| Net interest margin | 3.3933% | 5,454 |
| Noninterest income to average assets | 1.6647% | 491 |
| Noninterest expense to average assets | 4.7356% | 460 |
| Loan and lease loss provision to assets | 1.3674% | 488 |
| Net operating income to assets | -0.8826% | 6,999 |
| Return on assets (ROA) | -0.8826% | 7,001 |
| Pretax return on assets | -1.3423% | 7,112 |
| Return on Equity (ROE) | -8.6890% | 6,985 |
| Retained earnings to average equity (ytd only) | -8.6890% | 6,800 |
| Net charge-offs to loans | 1.1817% | 1,178 |
| Credit loss provision to net charge-offs | 157.7836% | 1,825 |
| Earnings coverage of net charge-offs (x) | 0.0290% | 4,562 |
| Efficiency ratio | 99.4717% | 767 |
| Assets per employee ($millions) | 2.5636% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,599 |
| Loan loss allowance to noncurrent loans | 39.7342% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 4.2801% | 1,529 |
| Noncurrent loans to loans | 3.0376% | 2,474 |
| Net loans and leases to total assets | 70.5682% | 2,016 |
| Net loans and leases to deposits | 86.6679% | 1,626 |
| Net loans and leases to core deposits | 104.9955% | 1,002 |
| Total domestic deposits to total assets | 81.4237% | 5,527 |
| Equity capital to assets | 9.9318% | 3,861 |
| Core capital (leverage) ratio | 8.4831% | 5,487 |
| Tier 1 risk-based capital ratio | 12.5946% | 5,174 |
| Total risk-based capital ratio | 13.8448% | 5,149 |
| Memoranda: | ||
| Average total assets | $174,929,000 | 3,468 |
| Average earning assets | $159,609,000 | 3,475 |
| Average equity | $17,769,500 | 3,435 |
| Average total loans | $128,290,500 | 3,096 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 3,825 |
| Cost of funding earning assets | 1.8845% | 900 |
| Net interest margin | 3.2715% | 6,064 |
| Noninterest income to average assets | 2.7127% | 262 |
| Noninterest expense to average assets | 4.4995% | 651 |
| Loan and lease loss provision to assets | 0.8814% | 1,857 |
| Net operating income to assets | 0.1879% | 5,308 |
| Return on assets (ROA) | 0.2133% | 5,401 |
| Pretax return on assets | 0.3503% | 5,078 |
| Return on Equity (ROE) | 2.1368% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.1368% | 4,391 |
| Net charge-offs to loans | 0.9075% | 2,376 |
| Credit loss provision to net charge-offs | 135.5823% | 2,861 |
| Earnings coverage of net charge-offs (x) | 1.8336% | 4,352 |
| Efficiency ratio | 79.0563% | 2,531 |
| Assets per employee ($millions) | 2.3063% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,376 |
| Loan loss allowance to noncurrent loans | 28.9807% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 3.6469% | 1,889 |
| Noncurrent loans to loans | 3.4577% | 2,191 |
| Net loans and leases to total assets | 74.5356% | 1,564 |
| Net loans and leases to deposits | 92.4525% | 1,215 |
| Net loans and leases to core deposits | 114.6448% | 692 |
| Total domestic deposits to total assets | 80.6205% | 5,654 |
| Equity capital to assets | 10.3896% | 3,283 |
| Core capital (leverage) ratio | 8.9050% | 4,688 |
| Tier 1 risk-based capital ratio | 13.0334% | 4,578 |
| Total risk-based capital ratio | 14.1560% | 4,654 |
| Memoranda: | ||
| Average total assets | $166,439,600 | 3,601 |
| Average earning assets | $151,553,000 | 3,611 |
| Average equity | $16,613,400 | 3,659 |
| Average total loans | $119,231,000 | 3,323 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 4,535 |
| Cost of funding earning assets | 1.9327% | 928 |
| Net interest margin | 3.1283% | 6,543 |
| Noninterest income to average assets | 2.4998% | 277 |
| Noninterest expense to average assets | 4.4584% | 626 |
| Loan and lease loss provision to assets | 1.1812% | 1,219 |
| Net operating income to assets | -0.4628% | 6,567 |
| Return on assets (ROA) | -0.4094% | 6,568 |
| Pretax return on assets | -0.2395% | 6,352 |
| Return on Equity (ROE) | -4.1456% | 6,575 |
| Retained earnings to average equity (ytd only) | -4.1456% | 6,473 |
| Net charge-offs to loans | 1.0714% | 1,893 |
| Credit loss provision to net charge-offs | 155.9829% | 2,458 |
| Earnings coverage of net charge-offs (x) | 1.1731% | 4,889 |
| Efficiency ratio | 83.3863% | 1,904 |
| Assets per employee ($millions) | 2.3466% | 7,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,989 |
| Loan loss allowance to noncurrent loans | 86.5269% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.4193% | 4,323 |
| Noncurrent loans to loans | 1.2578% | 4,751 |
| Net loans and leases to total assets | 77.7246% | 1,085 |
| Net loans and leases to deposits | 96.6079% | 916 |
| Net loans and leases to core deposits | 123.5728% | 513 |
| Total domestic deposits to total assets | 80.4537% | 5,556 |
| Equity capital to assets | 10.1534% | 3,944 |
| Core capital (leverage) ratio | 8.6036% | 5,339 |
| Tier 1 risk-based capital ratio | 12.1989% | 5,268 |
| Total risk-based capital ratio | 13.4324% | 5,256 |
| Memoranda: | ||
| Average total assets | $164,806,750 | 3,670 |
| Average earning assets | $149,980,000 | 3,686 |
| Average equity | $16,274,000 | 3,756 |
| Average total loans | $116,481,250 | 3,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 5,198 |
| Cost of funding earning assets | 1.9726% | 975 |
| Net interest margin | 2.9730% | 6,889 |
| Noninterest income to average assets | 2.2273% | 303 |
| Noninterest expense to average assets | 4.4559% | 607 |
| Loan and lease loss provision to assets | 0.1897% | 4,981 |
| Net operating income to assets | 0.1698% | 5,664 |
| Return on assets (ROA) | 0.2215% | 5,623 |
| Pretax return on assets | 0.3610% | 5,337 |
| Return on Equity (ROE) | 2.2653% | 5,553 |
| Retained earnings to average equity (ytd only) | 2.2653% | 4,712 |
| Net charge-offs to loans | 0.3800% | 3,461 |
| Credit loss provision to net charge-offs | 73.4597% | 4,876 |
| Earnings coverage of net charge-offs (x) | 1.8199% | 4,157 |
| Efficiency ratio | 90.4596% | 1,302 |
| Assets per employee ($millions) | 2.5078% | 7,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 7,155 |
| Loan loss allowance to noncurrent loans | 27.5127% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 2.6091% | 2,773 |
| Noncurrent loans to loans | 2.7200% | 2,932 |
| Net loans and leases to total assets | 70.3794% | 2,817 |
| Net loans and leases to deposits | 88.3183% | 2,119 |
| Net loans and leases to core deposits | 117.3471% | 792 |
| Total domestic deposits to total assets | 79.6884% | 5,822 |
| Equity capital to assets | 10.6402% | 3,232 |
| Core capital (leverage) ratio | 9.0454% | 4,533 |
| Tier 1 risk-based capital ratio | 13.9214% | 3,784 |
| Total risk-based capital ratio | 14.7526% | 4,027 |
| Memoranda: | ||
| Average total assets | $163,423,000 | 3,716 |
| Average earning assets | $148,333,000 | 3,734 |
| Average equity | $15,980,330 | 3,804 |
| Average total loans | $111,052,670 | 3,606 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9668% | 5,168 |
| Cost of funding earning assets | 1.9915% | 1,119 |
| Net interest margin | 2.9752% | 6,887 |
| Noninterest income to average assets | 2.4616% | 260 |
| Noninterest expense to average assets | 4.3757% | 655 |
| Loan and lease loss provision to assets | 0.2200% | 4,298 |
| Net operating income to assets | 0.3496% | 5,082 |
| Return on assets (ROA) | 0.3496% | 5,202 |
| Pretax return on assets | 0.5793% | 4,686 |
| Return on Equity (ROE) | 3.7389% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.7389% | 3,912 |
| Net charge-offs to loans | 0.1691% | 3,907 |
| Credit loss provision to net charge-offs | 195.6522% | 1,895 |
| Earnings coverage of net charge-offs (x) | 7.1087% | 2,130 |
| Efficiency ratio | 84.5536% | 1,974 |
| Assets per employee ($millions) | 2.4816% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,907 |
| Loan loss allowance to noncurrent loans | 40.0832% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 2,853 |
| Noncurrent loans to loans | 2.1898% | 3,539 |
| Net loans and leases to total assets | 70.7535% | 2,745 |
| Net loans and leases to deposits | 88.7467% | 2,086 |
| Net loans and leases to core deposits | 124.7688% | 622 |
| Total domestic deposits to total assets | 79.7252% | 5,880 |
| Equity capital to assets | 10.0383% | 3,816 |
| Core capital (leverage) ratio | 8.3411% | 5,663 |
| Tier 1 risk-based capital ratio | 12.0401% | 5,156 |
| Total risk-based capital ratio | 12.9616% | 5,429 |
| Memoranda: | ||
| Average total assets | $163,632,000 | 3,775 |
| Average earning assets | $149,232,000 | 3,769 |
| Average equity | $15,298,500 | 3,960 |
| Average total loans | $108,785,500 | 3,711 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 6,191 |
| Cost of funding earning assets | 2.7470% | 522 |
| Net interest margin | 2.3230% | 7,572 |
| Noninterest income to average assets | 2.4518% | 280 |
| Noninterest expense to average assets | 5.0578% | 497 |
| Loan and lease loss provision to assets | 1.1468% | 1,989 |
| Net operating income to assets | -0.9614% | 6,549 |
| Return on assets (ROA) | -0.5206% | 6,194 |
| Pretax return on assets | -0.9149% | 6,353 |
| Return on Equity (ROE) | -5.2292% | 6,234 |
| Retained earnings to average equity (ytd only) | -5.2292% | 6,054 |
| Net charge-offs to loans | 1.1796% | 2,079 |
| Credit loss provision to net charge-offs | 133.4410% | 3,739 |
| Earnings coverage of net charge-offs (x) | -0.5315% | 6,711 |
| Efficiency ratio | 108.9469% | 821 |
| Assets per employee ($millions) | 2.7524% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 6,967 |
| Loan loss allowance to noncurrent loans | 36.0047% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3062% | 2,999 |
| Noncurrent loans to loans | 2.3741% | 3,197 |
| Net loans and leases to total assets | 61.6045% | 5,079 |
| Net loans and leases to deposits | 98.9918% | 999 |
| Net loans and leases to core deposits | 137.4331% | 895 |
| Total domestic deposits to total assets | 62.2319% | 7,753 |
| Equity capital to assets | 8.7380% | 5,535 |
| Core capital (leverage) ratio | 7.2397% | 7,039 |
| Tier 1 risk-based capital ratio | 12.7400% | 4,336 |
| Total risk-based capital ratio | 13.6900% | 4,523 |
| Memoranda: | ||
| Average total assets | $144,055,600 | 4,043 |
| Average earning assets | $133,274,600 | 4,024 |
| Average equity | $14,342,600 | 4,183 |
| Average total loans | $104,949,400 | 3,806 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 5,568 |
| Cost of funding earning assets | 2.8698% | 500 |
| Net interest margin | 2.4011% | 7,566 |
| Noninterest income to average assets | 1.6764% | 521 |
| Noninterest expense to average assets | 5.2496% | 413 |
| Loan and lease loss provision to assets | 1.5769% | 1,203 |
| Net operating income to assets | -1.8995% | 7,272 |
| Return on assets (ROA) | -1.2707% | 7,002 |
| Pretax return on assets | -1.9543% | 7,158 |
| Return on Equity (ROE) | -12.2861% | 7,038 |
| Retained earnings to average equity (ytd only) | -12.2861% | 6,960 |
| Net charge-offs to loans | 1.4375% | 1,439 |
| Credit loss provision to net charge-offs | 143.8612% | 3,396 |
| Earnings coverage of net charge-offs (x) | -1.2269% | 6,668 |
| Efficiency ratio | 133.2168% | 436 |
| Assets per employee ($millions) | 2.5176% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,567 |
| Loan loss allowance to noncurrent loans | 44.1112% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.5465% | 2,726 |
| Noncurrent loans to loans | 2.1461% | 3,449 |
| Net loans and leases to total assets | 65.9704% | 4,435 |
| Net loans and leases to deposits | 78.4194% | 4,676 |
| Net loans and leases to core deposits | 94.5229% | 4,972 |
| Total domestic deposits to total assets | 84.1251% | 3,665 |
| Equity capital to assets | 9.2239% | 5,127 |
| Core capital (leverage) ratio | 7.6051% | 6,854 |
| Tier 1 risk-based capital ratio | 11.7308% | 5,216 |
| Total risk-based capital ratio | 12.7206% | 5,402 |
| Memoranda: | ||
| Average total assets | $136,718,750 | 4,216 |
| Average earning assets | $126,882,000 | 4,187 |
| Average equity | $14,140,250 | 4,257 |
| Average total loans | $104,250,500 | 3,868 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6819% | 3,648 |
| Cost of funding earning assets | 2.9480% | 543 |
| Net interest margin | 2.7339% | 7,132 |
| Noninterest income to average assets | 1.7200% | 496 |
| Noninterest expense to average assets | 5.0919% | 481 |
| Loan and lease loss provision to assets | 0.2426% | 4,639 |
| Net operating income to assets | -0.6951% | 6,745 |
| Return on assets (ROA) | 0.3013% | 5,005 |
| Pretax return on assets | 0.4636% | 4,739 |
| Return on Equity (ROE) | 2.7903% | 4,981 |
| Retained earnings to average equity (ytd only) | 2.7903% | 3,772 |
| Net charge-offs to loans | 0.3025% | 3,672 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -3.4076% | 6,420 |
| Efficiency ratio | 118.1884% | 701 |
| Assets per employee ($millions) | 2.0754% | 7,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 7,730 |
| Loan loss allowance to noncurrent loans | 19.3243% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 2.9217% | 2,183 |
| Noncurrent loans to loans | 2.8297% | 2,547 |
| Net loans and leases to total assets | 75.9496% | 2,194 |
| Net loans and leases to deposits | 94.3687% | 2,030 |
| Net loans and leases to core deposits | 116.2317% | 2,691 |
| Total domestic deposits to total assets | 80.4818% | 5,283 |
| Equity capital to assets | 10.3347% | 3,589 |
| Core capital (leverage) ratio | 8.5243% | 5,398 |
| Tier 1 risk-based capital ratio | 12.5811% | 4,456 |
| Total risk-based capital ratio | 13.2098% | 4,872 |
| Memoranda: | ||
| Average total assets | $129,422,000 | 4,404 |
| Average earning assets | $120,487,670 | 4,355 |
| Average equity | $13,977,000 | 4,309 |
| Average total loans | $103,789,000 | 3,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8821% | 2,886 |
| Cost of funding earning assets | 3.0385% | 547 |
| Net interest margin | 2.8435% | 6,893 |
| Noninterest income to average assets | -0.0127% | 8,094 |
| Noninterest expense to average assets | 4.8454% | 538 |
| Loan and lease loss provision to assets | 0.1273% | 5,328 |
| Net operating income to assets | -1.5211% | 7,505 |
| Return on assets (ROA) | 0.5317% | 4,478 |
| Pretax return on assets | 0.8182% | 4,011 |
| Return on Equity (ROE) | 4.8101% | 4,547 |
| Retained earnings to average equity (ytd only) | 4.8101% | 3,229 |
| Net charge-offs to loans | 0.0774% | 4,404 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | -34.7500% | 5,688 |
| Efficiency ratio | 182.1040% | 233 |
| Assets per employee ($millions) | 2.2309% | 7,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 7,725 |
| Loan loss allowance to noncurrent loans | 86.0465% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1419% | 4,390 |
| Noncurrent loans to loans | 0.6585% | 5,758 |
| Net loans and leases to total assets | 78.9271% | 1,600 |
| Net loans and leases to deposits | 98.8148% | 1,557 |
| Net loans and leases to core deposits | 119.9577% | 2,419 |
| Total domestic deposits to total assets | 79.8737% | 5,411 |
| Equity capital to assets | 10.6052% | 3,366 |
| Core capital (leverage) ratio | 8.6771% | 5,193 |
| Tier 1 risk-based capital ratio | 12.3283% | 4,680 |
| Total risk-based capital ratio | 12.9811% | 5,108 |
| Memoranda: | ||
| Average total assets | $125,645,500 | 4,507 |
| Average earning assets | $116,898,000 | 4,461 |
| Average equity | $13,887,500 | 4,359 |
| Average total loans | $103,381,500 | 3,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1343% | 848 |
| Cost of funding earning assets | 3.2844% | 968 |
| Net interest margin | 3.8499% | 3,796 |
| Noninterest income to average assets | 0.1573% | 7,304 |
| Noninterest expense to average assets | 5.6921% | 466 |
| Loan and lease loss provision to assets | 0.8884% | 1,680 |
| Net operating income to assets | -2.8225% | 7,779 |
| Return on assets (ROA) | -0.9505% | 7,142 |
| Pretax return on assets | -0.9505% | 6,971 |
| Return on Equity (ROE) | -6.4927% | 6,999 |
| Retained earnings to average equity (ytd only) | -6.4927% | 6,722 |
| Net charge-offs to loans | 0.9118% | 1,360 |
| Credit loss provision to net charge-offs | 118.1092% | 4,556 |
| Earnings coverage of net charge-offs (x) | -2.5712% | 6,741 |
| Efficiency ratio | 149.7601% | 351 |
| Assets per employee ($millions) | 2.3933% | 7,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5592% | 7,748 |
| Loan loss allowance to noncurrent loans | 47.7462% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1198% | 4,035 |
| Noncurrent loans to loans | 1.1712% | 4,179 |
| Net loans and leases to total assets | 84.9959% | 737 |
| Net loans and leases to deposits | 109.3078% | 878 |
| Net loans and leases to core deposits | 127.3517% | 2,052 |
| Total domestic deposits to total assets | 77.7583% | 5,790 |
| Equity capital to assets | 11.5454% | 2,607 |
| Core capital (leverage) ratio | 9.4106% | 4,141 |
| Tier 1 risk-based capital ratio | 12.7929% | 4,224 |
| Total risk-based capital ratio | 13.4584% | 4,554 |
| Memoranda: | ||
| Average total assets | $99,839,800 | 5,052 |
| Average earning assets | $93,379,800 | 4,988 |
| Average equity | $14,616,400 | 4,217 |
| Average total loans | $82,368,800 | 4,443 |