Home > American Enterprise Bank > Performance and Condition Ratios
American Enterprise Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,991 |
| Cost of funding earning assets | 0.5134% | 3,106 |
| Net interest margin | 4.0806% | 1,691 |
| Noninterest income to average assets | -0.0261% | 5,441 |
| Noninterest expense to average assets | 4.2728% | 364 |
| Loan and lease loss provision to assets | -0.9127% | 5,469 |
| Net operating income to assets | 0.2621% | 5,139 |
| Return on assets (ROA) | 0.2621% | 5,133 |
| Pretax return on assets | 0.2621% | 5,169 |
| Return on Equity (ROE) | 2.4165% | 5,080 |
| Retained earnings to average equity (ytd only) | 2.4165% | 4,429 |
| Net charge-offs to loans | -0.4819% | 5,397 |
| Credit loss provision to net charge-offs | 255.9415% | 1,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9626% | 62 |
| Assets per employee ($millions) | 5.8123% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 898 |
| Loan loss allowance to noncurrent loans | 46.7647% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 5.1493% | 82 |
| Noncurrent loans to loans | 3.6082% | 259 |
| Net loans and leases to total assets | 70.3180% | 2,593 |
| Net loans and leases to deposits | 85.5582% | 2,412 |
| Net loans and leases to core deposits | 93.6736% | 2,322 |
| Total domestic deposits to total assets | 82.1874% | 3,550 |
| Equity capital to assets | 11.4003% | 2,333 |
| Core capital (leverage) ratio | 11.4382% | 2,220 |
| Tier 1 risk-based capital ratio | 13.7753% | 3,477 |
| Total risk-based capital ratio | 15.0277% | 3,385 |
| Memoranda: | ||
| Average total assets | $204,511,750 | 2,838 |
| Average earning assets | $182,843,000 | 2,914 |
| Average equity | $22,180,750 | 2,897 |
| Average total loans | $151,354,750 | 2,644 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,648 |
| Cost of funding earning assets | 0.5308% | 2,759 |
| Net interest margin | 4.1161% | 1,504 |
| Noninterest income to average assets | 0.0319% | 5,438 |
| Noninterest expense to average assets | 4.1410% | 451 |
| Loan and lease loss provision to assets | -0.1934% | 5,471 |
| Net operating income to assets | -0.2263% | 5,400 |
| Return on assets (ROA) | -0.2263% | 5,395 |
| Pretax return on assets | -0.2263% | 5,397 |
| Return on Equity (ROE) | -2.1210% | 5,402 |
| Retained earnings to average equity (ytd only) | -2.1210% | 5,158 |
| Net charge-offs to loans | -0.5753% | 5,449 |
| Credit loss provision to net charge-offs | 44.9438% | 2,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.2786% | 93 |
| Assets per employee ($millions) | 5.1031% | 2,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3161% | 310 |
| Loan loss allowance to noncurrent loans | 66.4695% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 5.5482% | 72 |
| Noncurrent loans to loans | 3.4844% | 281 |
| Net loans and leases to total assets | 73.8122% | 1,970 |
| Net loans and leases to deposits | 92.8278% | 1,496 |
| Net loans and leases to core deposits | 96.4924% | 2,014 |
| Total domestic deposits to total assets | 79.5151% | 4,346 |
| Equity capital to assets | 11.0185% | 2,624 |
| Core capital (leverage) ratio | 10.9706% | 2,554 |
| Tier 1 risk-based capital ratio | 12.6908% | 4,066 |
| Total risk-based capital ratio | 13.9504% | 3,968 |
| Memoranda: | ||
| Average total assets | $206,809,670 | 2,842 |
| Average earning assets | $185,367,670 | 2,913 |
| Average equity | $22,064,670 | 2,920 |
| Average total loans | $154,691,000 | 2,608 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7293% | 1,239 |
| Cost of funding earning assets | 0.5558% | 2,349 |
| Net interest margin | 4.1735% | 1,235 |
| Noninterest income to average assets | 0.1936% | 4,855 |
| Noninterest expense to average assets | 4.1898% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2468% | 5,460 |
| Return on assets (ROA) | -0.2468% | 5,454 |
| Pretax return on assets | -0.2468% | 5,453 |
| Return on Equity (ROE) | -2.3495% | 5,456 |
| Retained earnings to average equity (ytd only) | -2.3495% | 5,039 |
| Net charge-offs to loans | -0.9997% | 5,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2590% | 125 |
| Assets per employee ($millions) | 4.5541% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 301 |
| Loan loss allowance to noncurrent loans | 57.1744% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 5.9617% | 68 |
| Noncurrent loans to loans | 4.1190% | 240 |
| Net loans and leases to total assets | 71.8474% | 2,194 |
| Net loans and leases to deposits | 86.1920% | 2,142 |
| Net loans and leases to core deposits | 89.5723% | 2,489 |
| Total domestic deposits to total assets | 83.3574% | 3,561 |
| Equity capital to assets | 10.5209% | 3,057 |
| Core capital (leverage) ratio | 11.2652% | 2,194 |
| Tier 1 risk-based capital ratio | 12.6052% | 4,172 |
| Total risk-based capital ratio | 13.8653% | 4,069 |
| Memoranda: | ||
| Average total assets | $210,704,500 | 2,840 |
| Average earning assets | $189,289,500 | 2,892 |
| Average equity | $22,132,500 | 2,945 |
| Average total loans | $156,844,500 | 2,606 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0409% | 3,271 |
| Cost of funding earning assets | 0.5046% | 2,288 |
| Net interest margin | 3.5363% | 3,394 |
| Noninterest income to average assets | 0.3169% | 4,196 |
| Noninterest expense to average assets | 4.4955% | 318 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1027% | 5,598 |
| Return on assets (ROA) | -1.1027% | 5,599 |
| Pretax return on assets | -1.1027% | 5,606 |
| Return on Equity (ROE) | -10.4457% | 5,594 |
| Retained earnings to average equity (ytd only) | -10.4457% | 5,541 |
| Net charge-offs to loans | -0.0720% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4990% | 40 |
| Assets per employee ($millions) | 4.6070% | 3,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0295% | 507 |
| Loan loss allowance to noncurrent loans | 46.3366% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 6.2882% | 57 |
| Noncurrent loans to loans | 4.3799% | 196 |
| Net loans and leases to total assets | 73.7583% | 1,961 |
| Net loans and leases to deposits | 96.0767% | 1,082 |
| Net loans and leases to core deposits | 101.1048% | 1,627 |
| Total domestic deposits to total assets | 76.7702% | 4,886 |
| Equity capital to assets | 10.4873% | 3,181 |
| Core capital (leverage) ratio | 10.9809% | 2,354 |
| Tier 1 risk-based capital ratio | 12.2870% | 4,340 |
| Total risk-based capital ratio | 13.5436% | 4,244 |
| Memoranda: | ||
| Average total assets | $210,764,000 | 2,817 |
| Average earning assets | $183,327,200 | 2,930 |
| Average equity | $22,248,400 | 2,929 |
| Average total loans | $154,120,200 | 2,609 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 3,302 |
| Cost of funding earning assets | 0.4925% | 2,333 |
| Net interest margin | 3.5203% | 3,427 |
| Noninterest income to average assets | 0.3921% | 3,739 |
| Noninterest expense to average assets | 4.5452% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.1149% | 5,677 |
| Return on assets (ROA) | -1.1149% | 5,677 |
| Pretax return on assets | -1.1149% | 5,668 |
| Return on Equity (ROE) | -10.5445% | 5,675 |
| Retained earnings to average equity (ytd only) | -10.5445% | 5,615 |
| Net charge-offs to loans | -0.1327% | 5,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5023% | 42 |
| Assets per employee ($millions) | 4.2882% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 486 |
| Loan loss allowance to noncurrent loans | 42.6842% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 7.4239% | 45 |
| Noncurrent loans to loans | 4.9046% | 170 |
| Net loans and leases to total assets | 72.9821% | 2,105 |
| Net loans and leases to deposits | 90.5270% | 1,743 |
| Net loans and leases to core deposits | 94.9042% | 2,180 |
| Total domestic deposits to total assets | 80.6192% | 4,166 |
| Equity capital to assets | 10.8862% | 2,970 |
| Core capital (leverage) ratio | 11.1454% | 2,329 |
| Tier 1 risk-based capital ratio | 12.8269% | 4,124 |
| Total risk-based capital ratio | 14.0842% | 4,027 |
| Memoranda: | ||
| Average total assets | $210,474,500 | 2,844 |
| Average earning assets | $181,645,750 | 2,971 |
| Average equity | $22,254,250 | 2,950 |
| Average total loans | $152,763,250 | 2,639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 3,494 |
| Cost of funding earning assets | 0.4669% | 2,439 |
| Net interest margin | 3.4508% | 3,587 |
| Noninterest income to average assets | 0.5024% | 3,009 |
| Noninterest expense to average assets | 4.7381% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.2878% | 5,732 |
| Return on assets (ROA) | -1.2878% | 5,730 |
| Pretax return on assets | -1.2878% | 5,730 |
| Return on Equity (ROE) | -12.3006% | 5,730 |
| Retained earnings to average equity (ytd only) | -12.3006% | 5,678 |
| Net charge-offs to loans | -0.0541% | 5,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.3245% | 38 |
| Assets per employee ($millions) | 4.2343% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0233% | 577 |
| Loan loss allowance to noncurrent loans | 42.9501% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 8.1902% | 39 |
| Noncurrent loans to loans | 4.7108% | 171 |
| Net loans and leases to total assets | 73.9390% | 1,881 |
| Net loans and leases to deposits | 92.3371% | 1,450 |
| Net loans and leases to core deposits | 97.0814% | 1,883 |
| Total domestic deposits to total assets | 80.0751% | 4,392 |
| Equity capital to assets | 11.2185% | 2,573 |
| Core capital (leverage) ratio | 11.4729% | 1,987 |
| Tier 1 risk-based capital ratio | 12.9573% | 4,022 |
| Total risk-based capital ratio | 14.2135% | 3,939 |
| Memoranda: | ||
| Average total assets | $210,592,670 | 2,858 |
| Average earning assets | $179,898,000 | 3,004 |
| Average equity | $22,047,670 | 2,968 |
| Average total loans | $151,474,670 | 2,668 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 3,386 |
| Cost of funding earning assets | 0.4716% | 2,337 |
| Net interest margin | 3.4328% | 3,510 |
| Noninterest income to average assets | 0.1735% | 5,239 |
| Noninterest expense to average assets | 4.8588% | 256 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.7893% | 5,812 |
| Return on assets (ROA) | -1.7893% | 5,812 |
| Pretax return on assets | -1.7893% | 5,809 |
| Return on Equity (ROE) | -17.7106% | 5,810 |
| Retained earnings to average equity (ytd only) | -17.7106% | 5,701 |
| Net charge-offs to loans | -0.1074% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 158.2924% | 32 |
| Assets per employee ($millions) | 4.1849% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0731% | 582 |
| Loan loss allowance to noncurrent loans | 40.5350% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 8.0824% | 48 |
| Noncurrent loans to loans | 5.1145% | 155 |
| Net loans and leases to total assets | 70.0920% | 2,366 |
| Net loans and leases to deposits | 79.0171% | 2,862 |
| Net loans and leases to core deposits | 82.4325% | 3,051 |
| Total domestic deposits to total assets | 88.7049% | 1,317 |
| Equity capital to assets | 10.1678% | 3,548 |
| Core capital (leverage) ratio | 10.1431% | 3,320 |
| Tier 1 risk-based capital ratio | 12.4210% | 4,432 |
| Total risk-based capital ratio | 13.6780% | 4,330 |
| Memoranda: | ||
| Average total assets | $212,149,500 | 2,866 |
| Average earning assets | $178,978,000 | 3,046 |
| Average equity | $21,433,500 | 3,040 |
| Average total loans | $148,924,000 | 2,710 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 3,697 |
| Cost of funding earning assets | 0.4753% | 2,305 |
| Net interest margin | 3.3897% | 3,855 |
| Noninterest income to average assets | 0.1977% | 5,227 |
| Noninterest expense to average assets | 5.9277% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -2.8536% | 5,890 |
| Return on assets (ROA) | -2.7167% | 5,887 |
| Pretax return on assets | -2.7167% | 5,887 |
| Return on Equity (ROE) | -25.7210% | 5,881 |
| Retained earnings to average equity (ytd only) | -25.7210% | 5,873 |
| Net charge-offs to loans | -0.1982% | 5,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.8291% | 15 |
| Assets per employee ($millions) | 4.2174% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1553% | 493 |
| Loan loss allowance to noncurrent loans | 38.2648% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 8.9268% | 44 |
| Noncurrent loans to loans | 5.6326% | 120 |
| Net loans and leases to total assets | 67.3198% | 2,882 |
| Net loans and leases to deposits | 76.3092% | 3,287 |
| Net loans and leases to core deposits | 78.5618% | 3,527 |
| Total domestic deposits to total assets | 88.2198% | 1,524 |
| Equity capital to assets | 10.0374% | 3,686 |
| Core capital (leverage) ratio | 10.0591% | 3,418 |
| Tier 1 risk-based capital ratio | 12.4592% | 4,396 |
| Total risk-based capital ratio | 13.7169% | 4,284 |
| Memoranda: | ||
| Average total assets | $215,479,000 | 2,798 |
| Average earning assets | $182,849,600 | 2,988 |
| Average equity | $22,759,600 | 2,916 |
| Average total loans | $142,277,000 | 2,749 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 3,739 |
| Cost of funding earning assets | 0.4802% | 2,260 |
| Net interest margin | 3.3786% | 3,923 |
| Noninterest income to average assets | 0.7552% | 1,946 |
| Noninterest expense to average assets | 6.4101% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.7924% | 5,959 |
| Return on assets (ROA) | -2.6114% | 5,956 |
| Pretax return on assets | -2.6114% | 5,955 |
| Return on Equity (ROE) | -24.4287% | 5,951 |
| Retained earnings to average equity (ytd only) | -24.4287% | 5,930 |
| Net charge-offs to loans | -0.1055% | 5,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.1861% | 20 |
| Assets per employee ($millions) | 4.3438% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0783% | 628 |
| Loan loss allowance to noncurrent loans | 40.7076% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 9.5490% | 45 |
| Noncurrent loans to loans | 5.1054% | 162 |
| Net loans and leases to total assets | 66.8208% | 2,986 |
| Net loans and leases to deposits | 77.6092% | 3,228 |
| Net loans and leases to core deposits | 80.0455% | 3,438 |
| Total domestic deposits to total assets | 86.0991% | 2,303 |
| Equity capital to assets | 10.9796% | 3,028 |
| Core capital (leverage) ratio | 10.7027% | 2,785 |
| Tier 1 risk-based capital ratio | 13.4899% | 3,866 |
| Total risk-based capital ratio | 14.7462% | 3,771 |
| Memoranda: | ||
| Average total assets | $216,631,000 | 2,800 |
| Average earning assets | $183,541,750 | 2,989 |
| Average equity | $23,158,000 | 2,898 |
| Average total loans | $141,575,000 | 2,762 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 3,770 |
| Cost of funding earning assets | 0.4777% | 2,291 |
| Net interest margin | 3.3738% | 3,986 |
| Noninterest income to average assets | 0.8179% | 1,648 |
| Noninterest expense to average assets | 4.7570% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.0796% | 5,982 |
| Return on assets (ROA) | -1.0796% | 5,983 |
| Pretax return on assets | -1.0796% | 5,975 |
| Return on Equity (ROE) | -10.1866% | 5,983 |
| Retained earnings to average equity (ytd only) | -10.1866% | 5,886 |
| Net charge-offs to loans | -0.1174% | 5,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.3578% | 67 |
| Assets per employee ($millions) | 4.2664% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0760% | 640 |
| Loan loss allowance to noncurrent loans | 36.1125% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 11.1080% | 36 |
| Noncurrent loans to loans | 5.7486% | 135 |
| Net loans and leases to total assets | 66.0660% | 3,071 |
| Net loans and leases to deposits | 75.6633% | 3,418 |
| Net loans and leases to core deposits | 77.9923% | 3,644 |
| Total domestic deposits to total assets | 87.3158% | 1,748 |
| Equity capital to assets | 10.9200% | 3,150 |
| Core capital (leverage) ratio | 9.8503% | 3,750 |
| Tier 1 risk-based capital ratio | 13.0652% | 4,167 |
| Total risk-based capital ratio | 14.3209% | 4,080 |
| Memoranda: | ||
| Average total assets | $219,340,000 | 2,777 |
| Average earning assets | $185,903,670 | 2,977 |
| Average equity | $23,246,330 | 2,896 |
| Average total loans | $141,339,670 | 2,763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6408% | 4,505 |
| Cost of funding earning assets | 0.4789% | 2,287 |
| Net interest margin | 3.1619% | 4,700 |
| Noninterest income to average assets | 0.8998% | 1,315 |
| Noninterest expense to average assets | 4.7630% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.1689% | 6,041 |
| Return on assets (ROA) | -1.1689% | 6,043 |
| Pretax return on assets | -1.1689% | 6,031 |
| Return on Equity (ROE) | -11.1874% | 6,035 |
| Retained earnings to average equity (ytd only) | -11.1874% | 5,842 |
| Net charge-offs to loans | -0.1018% | 5,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.5235% | 65 |
| Assets per employee ($millions) | 4.5114% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 868 |
| Loan loss allowance to noncurrent loans | 31.3903% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 10.7940% | 45 |
| Noncurrent loans to loans | 6.2612% | 131 |
| Net loans and leases to total assets | 63.7073% | 3,281 |
| Net loans and leases to deposits | 72.3094% | 3,621 |
| Net loans and leases to core deposits | 74.3498% | 3,853 |
| Total domestic deposits to total assets | 88.1039% | 1,589 |
| Equity capital to assets | 10.2638% | 3,783 |
| Core capital (leverage) ratio | 9.8803% | 3,682 |
| Tier 1 risk-based capital ratio | 12.8369% | 4,367 |
| Total risk-based capital ratio | 14.0918% | 4,272 |
| Memoranda: | ||
| Average total assets | $224,482,000 | 2,741 |
| Average earning assets | $191,275,000 | 2,917 |
| Average equity | $23,455,000 | 2,883 |
| Average total loans | $141,488,000 | 2,754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 5,082 |
| Cost of funding earning assets | 0.5054% | 2,116 |
| Net interest margin | 2.9316% | 5,286 |
| Noninterest income to average assets | 2.7706% | 236 |
| Noninterest expense to average assets | 5.2484% | 234 |
| Loan and lease loss provision to assets | 0.0223% | 3,938 |
| Net operating income to assets | -0.0495% | 5,899 |
| Return on assets (ROA) | -0.0495% | 5,922 |
| Pretax return on assets | -0.0495% | 5,910 |
| Return on Equity (ROE) | -0.5221% | 5,922 |
| Retained earnings to average equity (ytd only) | -0.5221% | 5,599 |
| Net charge-offs to loans | 0.3769% | 767 |
| Credit loss provision to net charge-offs | 9.3633% | 3,825 |
| Earnings coverage of net charge-offs (x) | -0.1142% | 4,278 |
| Efficiency ratio | 100.5207% | 270 |
| Assets per employee ($millions) | 4.1369% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0859% | 699 |
| Loan loss allowance to noncurrent loans | 32.5962% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 10.7433% | 49 |
| Noncurrent loans to loans | 6.3992% | 124 |
| Net loans and leases to total assets | 59.7802% | 3,872 |
| Net loans and leases to deposits | 68.4181% | 4,092 |
| Net loans and leases to core deposits | 70.7079% | 4,248 |
| Total domestic deposits to total assets | 87.3748% | 1,943 |
| Equity capital to assets | 10.6350% | 3,202 |
| Core capital (leverage) ratio | 10.5814% | 2,844 |
| Tier 1 risk-based capital ratio | 14.0521% | 3,686 |
| Total risk-based capital ratio | 15.3077% | 3,604 |
| Memoranda: | ||
| Average total assets | $224,390,200 | 2,710 |
| Average earning assets | $187,574,000 | 2,917 |
| Average equity | $21,258,600 | 3,044 |
| Average total loans | $141,690,000 | 2,705 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4196% | 5,163 |
| Cost of funding earning assets | 0.5102% | 2,119 |
| Net interest margin | 2.9094% | 5,394 |
| Noninterest income to average assets | 0.8357% | 1,669 |
| Noninterest expense to average assets | 5.2616% | 235 |
| Loan and lease loss provision to assets | 0.0297% | 3,644 |
| Net operating income to assets | -2.0388% | 6,228 |
| Return on assets (ROA) | -2.0388% | 6,229 |
| Pretax return on assets | -2.0388% | 6,226 |
| Return on Equity (ROE) | -22.1961% | 6,227 |
| Retained earnings to average equity (ytd only) | -22.1961% | 6,209 |
| Net charge-offs to loans | -0.0270% | 5,308 |
| Credit loss provision to net charge-offs | -172.4138% | 5,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.7701% | 29 |
| Assets per employee ($millions) | 4.1672% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4260% | 485 |
| Loan loss allowance to noncurrent loans | 33.8229% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 13.0817% | 34 |
| Noncurrent loans to loans | 7.1726% | 95 |
| Net loans and leases to total assets | 64.4961% | 3,230 |
| Net loans and leases to deposits | 73.0457% | 3,647 |
| Net loans and leases to core deposits | 75.4796% | 3,860 |
| Total domestic deposits to total assets | 88.2955% | 1,399 |
| Equity capital to assets | 9.7150% | 4,499 |
| Core capital (leverage) ratio | 9.1495% | 4,809 |
| Tier 1 risk-based capital ratio | 11.3840% | 5,437 |
| Total risk-based capital ratio | 12.6423% | 5,342 |
| Memoranda: | ||
| Average total assets | $224,639,000 | 2,726 |
| Average earning assets | $186,605,750 | 2,947 |
| Average equity | $20,633,750 | 3,134 |
| Average total loans | $143,014,750 | 2,710 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3860% | 5,263 |
| Cost of funding earning assets | 0.4992% | 2,258 |
| Net interest margin | 2.8868% | 5,467 |
| Noninterest income to average assets | 1.2017% | 839 |
| Noninterest expense to average assets | 5.0525% | 283 |
| Loan and lease loss provision to assets | 0.0437% | 3,234 |
| Net operating income to assets | -1.4973% | 6,289 |
| Return on assets (ROA) | -1.4973% | 6,287 |
| Pretax return on assets | -1.4973% | 6,282 |
| Return on Equity (ROE) | -16.5977% | 6,282 |
| Retained earnings to average equity (ytd only) | -16.5977% | 6,242 |
| Net charge-offs to loans | 0.0570% | 2,586 |
| Credit loss provision to net charge-offs | 121.9512% | 1,775 |
| Earnings coverage of net charge-offs (x) | -40.5366% | 3,877 |
| Efficiency ratio | 140.3888% | 58 |
| Assets per employee ($millions) | 4.0551% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 642 |
| Loan loss allowance to noncurrent loans | 33.4905% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 13.0473% | 37 |
| Noncurrent loans to loans | 6.8380% | 122 |
| Net loans and leases to total assets | 65.0409% | 3,119 |
| Net loans and leases to deposits | 73.6111% | 3,536 |
| Net loans and leases to core deposits | 76.3546% | 3,728 |
| Total domestic deposits to total assets | 88.3575% | 1,464 |
| Equity capital to assets | 9.7323% | 4,366 |
| Core capital (leverage) ratio | 9.6438% | 4,084 |
| Tier 1 risk-based capital ratio | 11.4062% | 5,524 |
| Total risk-based capital ratio | 12.6632% | 5,447 |
| Memoranda: | ||
| Average total assets | $228,676,670 | 2,711 |
| Average earning assets | $189,900,670 | 2,936 |
| Average equity | $20,629,330 | 3,149 |
| Average total loans | $143,860,000 | 2,701 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 4,465 |
| Cost of funding earning assets | 0.5127% | 2,175 |
| Net interest margin | 3.1587% | 4,757 |
| Noninterest income to average assets | 2.1428% | 332 |
| Noninterest expense to average assets | 5.0135% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2432% | 6,168 |
| Return on assets (ROA) | -0.2432% | 6,189 |
| Pretax return on assets | -0.2432% | 6,174 |
| Return on Equity (ROE) | -2.7996% | 6,210 |
| Retained earnings to average equity (ytd only) | -2.7996% | 5,775 |
| Net charge-offs to loans | -0.2379% | 6,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0987% | 255 |
| Assets per employee ($millions) | 4.3621% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5240% | 513 |
| Loan loss allowance to noncurrent loans | 46.6202% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 11.1486% | 58 |
| Noncurrent loans to loans | 5.4139% | 220 |
| Net loans and leases to total assets | 55.9738% | 4,204 |
| Net loans and leases to deposits | 62.5651% | 4,523 |
| Net loans and leases to core deposits | 64.7026% | 4,636 |
| Total domestic deposits to total assets | 89.4649% | 1,009 |
| Equity capital to assets | 8.5976% | 5,664 |
| Core capital (leverage) ratio | 8.5409% | 5,485 |
| Tier 1 risk-based capital ratio | 11.2188% | 5,703 |
| Total risk-based capital ratio | 12.4776% | 5,613 |
| Memoranda: | ||
| Average total assets | $233,528,500 | 2,693 |
| Average earning assets | $194,256,000 | 2,901 |
| Average equity | $20,288,500 | 3,202 |
| Average total loans | $142,910,000 | 2,718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,229 |
| Cost of funding earning assets | 0.5828% | 1,925 |
| Net interest margin | 3.2910% | 4,613 |
| Noninterest income to average assets | 1.5405% | 521 |
| Noninterest expense to average assets | 5.4892% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.2262% | 6,403 |
| Return on assets (ROA) | -1.2262% | 6,405 |
| Pretax return on assets | -1.2262% | 6,396 |
| Return on Equity (ROE) | -13.8866% | 6,404 |
| Retained earnings to average equity (ytd only) | -13.8866% | 6,372 |
| Net charge-offs to loans | 0.0414% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -47.1290% | 4,953 |
| Efficiency ratio | 128.7627% | 97 |
| Assets per employee ($millions) | 4.5393% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8166% | 365 |
| Loan loss allowance to noncurrent loans | 56.3449% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 11.9990% | 59 |
| Noncurrent loans to loans | 4.9988% | 295 |
| Net loans and leases to total assets | 63.5969% | 3,276 |
| Net loans and leases to deposits | 71.3093% | 3,756 |
| Net loans and leases to core deposits | 78.3078% | 3,485 |
| Total domestic deposits to total assets | 89.1845% | 1,130 |
| Equity capital to assets | 9.1036% | 5,173 |
| Core capital (leverage) ratio | 8.8676% | 5,158 |
| Tier 1 risk-based capital ratio | 11.2944% | 5,774 |
| Total risk-based capital ratio | 12.5585% | 5,686 |
| Memoranda: | ||
| Average total assets | $238,306,000 | 2,630 |
| Average earning assets | $197,144,400 | 2,835 |
| Average equity | $21,041,800 | 3,050 |
| Average total loans | $149,696,800 | 2,571 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 4,144 |
| Cost of funding earning assets | 0.5998% | 1,834 |
| Net interest margin | 3.3091% | 4,570 |
| Noninterest income to average assets | 1.7132% | 448 |
| Noninterest expense to average assets | 5.4508% | 234 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.0066% | 6,463 |
| Return on assets (ROA) | -1.0066% | 6,461 |
| Pretax return on assets | -1.0066% | 6,447 |
| Return on Equity (ROE) | -11.4862% | 6,462 |
| Retained earnings to average equity (ytd only) | -11.4862% | 6,404 |
| Net charge-offs to loans | 0.0331% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -48.9751% | 4,677 |
| Efficiency ratio | 122.6500% | 119 |
| Assets per employee ($millions) | 4.6321% | 2,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8740% | 409 |
| Loan loss allowance to noncurrent loans | 48.3497% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 12.7426% | 55 |
| Noncurrent loans to loans | 5.9442% | 239 |
| Net loans and leases to total assets | 61.3988% | 3,572 |
| Net loans and leases to deposits | 69.2714% | 3,995 |
| Net loans and leases to core deposits | 71.7037% | 4,180 |
| Total domestic deposits to total assets | 88.6352% | 1,431 |
| Equity capital to assets | 8.9253% | 5,436 |
| Core capital (leverage) ratio | 8.5703% | 5,579 |
| Tier 1 risk-based capital ratio | 10.8853% | 6,049 |
| Total risk-based capital ratio | 12.1485% | 5,993 |
| Memoranda: | ||
| Average total assets | $240,007,000 | 2,629 |
| Average earning assets | $198,073,750 | 2,851 |
| Average equity | $21,033,500 | 3,058 |
| Average total loans | $149,247,250 | 2,586 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 4,296 |
| Cost of funding earning assets | 0.6100% | 1,812 |
| Net interest margin | 3.2511% | 4,777 |
| Noninterest income to average assets | 1.3993% | 619 |
| Noninterest expense to average assets | 5.4662% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.3894% | 6,566 |
| Return on assets (ROA) | -1.3894% | 6,562 |
| Pretax return on assets | -1.3894% | 6,548 |
| Return on Equity (ROE) | -15.9495% | 6,559 |
| Retained earnings to average equity (ytd only) | -15.9495% | 6,510 |
| Net charge-offs to loans | -0.0523% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.0789% | 84 |
| Assets per employee ($millions) | 4.5823% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9222% | 417 |
| Loan loss allowance to noncurrent loans | 53.0419% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 12.2192% | 62 |
| Noncurrent loans to loans | 5.5093% | 324 |
| Net loans and leases to total assets | 60.8974% | 3,582 |
| Net loans and leases to deposits | 68.6891% | 3,967 |
| Net loans and leases to core deposits | 70.7849% | 4,177 |
| Total domestic deposits to total assets | 88.6567% | 1,565 |
| Equity capital to assets | 8.8929% | 5,419 |
| Core capital (leverage) ratio | 8.3216% | 5,828 |
| Tier 1 risk-based capital ratio | 10.9400% | 6,072 |
| Total risk-based capital ratio | 12.2037% | 6,014 |
| Memoranda: | ||
| Average total assets | $241,263,000 | 2,630 |
| Average earning assets | $198,703,330 | 2,849 |
| Average equity | $21,016,330 | 3,050 |
| Average total loans | $149,216,330 | 2,589 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,782 |
| Cost of funding earning assets | 0.6308% | 1,727 |
| Net interest margin | 3.3458% | 4,348 |
| Noninterest income to average assets | 1.6692% | 447 |
| Noninterest expense to average assets | 5.5612% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1304% | 6,589 |
| Return on assets (ROA) | -1.1304% | 6,585 |
| Pretax return on assets | -1.1304% | 6,578 |
| Return on Equity (ROE) | -13.1107% | 6,592 |
| Retained earnings to average equity (ytd only) | -13.1107% | 6,439 |
| Net charge-offs to loans | -0.1502% | 6,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5113% | 148 |
| Assets per employee ($millions) | 4.9338% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9270% | 467 |
| Loan loss allowance to noncurrent loans | 33.4554% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 14.1942% | 50 |
| Noncurrent loans to loans | 8.7488% | 140 |
| Net loans and leases to total assets | 57.7962% | 3,875 |
| Net loans and leases to deposits | 65.1007% | 4,192 |
| Net loans and leases to core deposits | 66.5664% | 4,441 |
| Total domestic deposits to total assets | 88.7797% | 1,786 |
| Equity capital to assets | 8.7448% | 5,401 |
| Core capital (leverage) ratio | 8.6534% | 5,452 |
| Tier 1 risk-based capital ratio | 11.3435% | 5,997 |
| Total risk-based capital ratio | 12.6069% | 5,941 |
| Memoranda: | ||
| Average total assets | $242,754,000 | 2,620 |
| Average earning assets | $200,370,000 | 2,849 |
| Average equity | $20,929,500 | 3,062 |
| Average total loans | $149,087,000 | 2,602 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 3,666 |
| Cost of funding earning assets | 0.6652% | 2,070 |
| Net interest margin | 3.4539% | 4,079 |
| Noninterest income to average assets | 1.2371% | 911 |
| Noninterest expense to average assets | 5.1478% | 313 |
| Loan and lease loss provision to assets | 0.2492% | 1,448 |
| Net operating income to assets | -1.3331% | 6,654 |
| Return on assets (ROA) | -1.2541% | 6,646 |
| Pretax return on assets | -1.2541% | 6,639 |
| Return on Equity (ROE) | -14.1374% | 6,633 |
| Retained earnings to average equity (ytd only) | -14.1374% | 6,604 |
| Net charge-offs to loans | 2.8845% | 88 |
| Credit loss provision to net charge-offs | 13.7206% | 4,540 |
| Earnings coverage of net charge-offs (x) | -0.5968% | 5,216 |
| Efficiency ratio | 126.6708% | 140 |
| Assets per employee ($millions) | 4.4129% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9179% | 517 |
| Loan loss allowance to noncurrent loans | 29.8675% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 16.6283% | 35 |
| Noncurrent loans to loans | 9.7695% | 114 |
| Net loans and leases to total assets | 61.5822% | 3,428 |
| Net loans and leases to deposits | 69.2956% | 3,872 |
| Net loans and leases to core deposits | 71.1587% | 4,169 |
| Total domestic deposits to total assets | 88.8688% | 1,716 |
| Equity capital to assets | 8.4893% | 5,592 |
| Core capital (leverage) ratio | 8.4089% | 5,768 |
| Tier 1 risk-based capital ratio | 10.3054% | 6,431 |
| Total risk-based capital ratio | 11.5681% | 6,385 |
| Memoranda: | ||
| Average total assets | $240,801,000 | 2,611 |
| Average earning assets | $197,083,400 | 2,862 |
| Average equity | $21,361,800 | 2,994 |
| Average total loans | $151,603,200 | 2,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,190 |
| Cost of funding earning assets | 0.6690% | 2,182 |
| Net interest margin | 3.3157% | 4,582 |
| Noninterest income to average assets | 0.8197% | 2,059 |
| Noninterest expense to average assets | 5.0626% | 319 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.5266% | 6,767 |
| Return on assets (ROA) | -1.4222% | 6,756 |
| Pretax return on assets | -1.4222% | 6,748 |
| Return on Equity (ROE) | -15.8670% | 6,740 |
| Retained earnings to average equity (ytd only) | -15.8670% | 6,717 |
| Net charge-offs to loans | 2.8544% | 83 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -0.8511% | 4,998 |
| Efficiency ratio | 143.1748% | 90 |
| Assets per employee ($millions) | 4.2980% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4242% | 359 |
| Loan loss allowance to noncurrent loans | 34.2851% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 18.2843% | 27 |
| Noncurrent loans to loans | 9.9874% | 134 |
| Net loans and leases to total assets | 61.0650% | 3,514 |
| Net loans and leases to deposits | 69.3635% | 3,875 |
| Net loans and leases to core deposits | 71.3340% | 4,171 |
| Total domestic deposits to total assets | 88.0361% | 2,110 |
| Equity capital to assets | 9.2077% | 4,930 |
| Core capital (leverage) ratio | 8.6686% | 5,577 |
| Tier 1 risk-based capital ratio | 10.9639% | 6,299 |
| Total risk-based capital ratio | 12.2312% | 6,256 |
| Memoranda: | ||
| Average total assets | $242,530,250 | 2,618 |
| Average earning assets | $198,686,500 | 2,865 |
| Average equity | $21,738,500 | 2,989 |
| Average total loans | $152,414,000 | 2,534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 4,074 |
| Cost of funding earning assets | 0.6624% | 2,385 |
| Net interest margin | 3.3462% | 4,396 |
| Noninterest income to average assets | 0.6517% | 2,905 |
| Noninterest expense to average assets | 5.0620% | 338 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.6458% | 6,822 |
| Return on assets (ROA) | -1.4931% | 6,814 |
| Pretax return on assets | -1.4931% | 6,804 |
| Return on Equity (ROE) | -16.7955% | 6,806 |
| Retained earnings to average equity (ytd only) | -16.7955% | 6,772 |
| Net charge-offs to loans | 2.8134% | 114 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.9326% | 4,710 |
| Efficiency ratio | 148.1769% | 76 |
| Assets per employee ($millions) | 4.5826% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9039% | 275 |
| Loan loss allowance to noncurrent loans | 35.8091% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 17.2517% | 33 |
| Noncurrent loans to loans | 10.9020% | 123 |
| Net loans and leases to total assets | 61.0073% | 3,485 |
| Net loans and leases to deposits | 68.8157% | 3,888 |
| Net loans and leases to core deposits | 70.8377% | 4,183 |
| Total domestic deposits to total assets | 88.6532% | 1,807 |
| Equity capital to assets | 8.6724% | 5,586 |
| Core capital (leverage) ratio | 8.1171% | 6,092 |
| Tier 1 risk-based capital ratio | 10.3915% | 6,539 |
| Total risk-based capital ratio | 11.6643% | 6,503 |
| Memoranda: | ||
| Average total assets | $248,874,330 | 2,564 |
| Average earning assets | $205,605,000 | 2,803 |
| Average equity | $22,125,000 | 2,967 |
| Average total loans | $156,112,670 | 2,491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 4,346 |
| Cost of funding earning assets | 0.6625% | 2,543 |
| Net interest margin | 3.2727% | 4,621 |
| Noninterest income to average assets | 0.7066% | 2,556 |
| Noninterest expense to average assets | 5.1353% | 341 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.6997% | 6,898 |
| Return on assets (ROA) | -1.6997% | 6,903 |
| Pretax return on assets | -1.6997% | 6,892 |
| Return on Equity (ROE) | -18.9022% | 6,892 |
| Retained earnings to average equity (ytd only) | -18.9022% | 6,820 |
| Net charge-offs to loans | 0.7595% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.5880% | 4,055 |
| Efficiency ratio | 149.4732% | 90 |
| Assets per employee ($millions) | 4.6763% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9443% | 144 |
| Loan loss allowance to noncurrent loans | 38.0289% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 17.4483% | 50 |
| Noncurrent loans to loans | 13.0013% | 113 |
| Net loans and leases to total assets | 59.4005% | 3,538 |
| Net loans and leases to deposits | 67.0159% | 3,913 |
| Net loans and leases to core deposits | 68.7899% | 4,210 |
| Total domestic deposits to total assets | 88.6365% | 1,909 |
| Equity capital to assets | 8.8307% | 5,687 |
| Core capital (leverage) ratio | 8.0123% | 6,130 |
| Tier 1 risk-based capital ratio | 10.7845% | 6,493 |
| Total risk-based capital ratio | 12.0696% | 6,450 |
| Memoranda: | ||
| Average total assets | $254,163,500 | 2,543 |
| Average earning assets | $211,935,500 | 2,747 |
| Average equity | $22,854,500 | 2,941 |
| Average total loans | $158,527,000 | 2,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 3,600 |
| Cost of funding earning assets | 0.7665% | 2,952 |
| Net interest margin | 3.6868% | 3,703 |
| Noninterest income to average assets | 2.3540% | 340 |
| Noninterest expense to average assets | 5.2250% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1843% | 5,818 |
| Return on assets (ROA) | 0.2055% | 5,950 |
| Pretax return on assets | 0.2055% | 5,983 |
| Return on Equity (ROE) | 2.3523% | 5,807 |
| Retained earnings to average equity (ytd only) | 2.3523% | 4,577 |
| Net charge-offs to loans | 1.2122% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.2309% | 5,360 |
| Efficiency ratio | 96.5928% | 685 |
| Assets per employee ($millions) | 4.8266% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0874% | 126 |
| Loan loss allowance to noncurrent loans | 35.7831% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 17.3774% | 52 |
| Noncurrent loans to loans | 14.2175% | 93 |
| Net loans and leases to total assets | 59.0882% | 3,776 |
| Net loans and leases to deposits | 67.1746% | 4,109 |
| Net loans and leases to core deposits | 68.9359% | 4,442 |
| Total domestic deposits to total assets | 87.9621% | 2,265 |
| Equity capital to assets | 9.1514% | 5,335 |
| Core capital (leverage) ratio | 8.3059% | 5,879 |
| Tier 1 risk-based capital ratio | 11.4244% | 6,153 |
| Total risk-based capital ratio | 12.7120% | 6,094 |
| Memoranda: | ||
| Average total assets | $273,454,200 | 2,316 |
| Average earning assets | $226,617,800 | 2,544 |
| Average equity | $23,891,400 | 2,753 |
| Average total loans | $180,080,200 | 2,202 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 4,426 |
| Cost of funding earning assets | 0.7875% | 3,047 |
| Net interest margin | 3.5203% | 4,562 |
| Noninterest income to average assets | 2.7370% | 280 |
| Noninterest expense to average assets | 4.9034% | 388 |
| Loan and lease loss provision to assets | 0.3119% | 2,114 |
| Net operating income to assets | 0.4323% | 5,110 |
| Return on assets (ROA) | 0.4602% | 5,244 |
| Pretax return on assets | 0.4602% | 5,562 |
| Return on Equity (ROE) | 5.3250% | 4,675 |
| Retained earnings to average equity (ytd only) | 5.3250% | 3,137 |
| Net charge-offs to loans | 0.6260% | 1,759 |
| Credit loss provision to net charge-offs | 74.7126% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.7828% | 4,376 |
| Efficiency ratio | 86.8224% | 1,318 |
| Assets per employee ($millions) | 5.4688% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7704% | 82 |
| Loan loss allowance to noncurrent loans | 31.1224% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 21.4402% | 27 |
| Noncurrent loans to loans | 18.5410% | 52 |
| Net loans and leases to total assets | 61.3351% | 3,507 |
| Net loans and leases to deposits | 69.2612% | 3,993 |
| Net loans and leases to core deposits | 71.8230% | 4,274 |
| Total domestic deposits to total assets | 88.5561% | 1,688 |
| Equity capital to assets | 8.8040% | 6,012 |
| Core capital (leverage) ratio | 8.2797% | 6,048 |
| Tier 1 risk-based capital ratio | 10.6498% | 6,617 |
| Total risk-based capital ratio | 11.9445% | 6,591 |
| Memoranda: | ||
| Average total assets | $277,865,500 | 2,311 |
| Average earning assets | $229,749,500 | 2,529 |
| Average equity | $24,011,750 | 2,777 |
| Average total loans | $185,286,500 | 2,162 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 4,105 |
| Cost of funding earning assets | 0.8243% | 2,996 |
| Net interest margin | 3.5959% | 4,279 |
| Noninterest income to average assets | 4.4529% | 155 |
| Noninterest expense to average assets | 5.1095% | 348 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.3253% | 228 |
| Return on assets (ROA) | 2.3666% | 246 |
| Pretax return on assets | 2.3666% | 369 |
| Return on Equity (ROE) | 27.5509% | 107 |
| Retained earnings to average equity (ytd only) | 27.5509% | 48 |
| Net charge-offs to loans | 0.0212% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 163.4500% | 280 |
| Efficiency ratio | 68.7237% | 3,990 |
| Assets per employee ($millions) | 5.4178% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7703% | 92 |
| Loan loss allowance to noncurrent loans | 27.3507% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 24.0234% | 14 |
| Noncurrent loans to loans | 21.0975% | 41 |
| Net loans and leases to total assets | 63.1429% | 3,209 |
| Net loans and leases to deposits | 72.9563% | 3,462 |
| Net loans and leases to core deposits | 75.5690% | 3,806 |
| Total domestic deposits to total assets | 86.5490% | 3,041 |
| Equity capital to assets | 9.8149% | 4,601 |
| Core capital (leverage) ratio | 8.8260% | 5,173 |
| Tier 1 risk-based capital ratio | 11.5393% | 6,191 |
| Total risk-based capital ratio | 12.8339% | 6,154 |
| Memoranda: | ||
| Average total assets | $281,164,330 | 2,293 |
| Average earning assets | $233,156,670 | 2,493 |
| Average equity | $24,151,670 | 2,755 |
| Average total loans | $188,907,330 | 2,125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 5,249 |
| Cost of funding earning assets | 0.8810% | 2,830 |
| Net interest margin | 3.2774% | 5,547 |
| Noninterest income to average assets | 3.8545% | 177 |
| Noninterest expense to average assets | 4.6130% | 496 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.9653% | 450 |
| Return on assets (ROA) | 1.9653% | 516 |
| Pretax return on assets | 1.9653% | 786 |
| Return on Equity (ROE) | 24.4833% | 199 |
| Retained earnings to average equity (ytd only) | 24.4833% | 102 |
| Net charge-offs to loans | -0.0905% | 6,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1241% | 3,783 |
| Assets per employee ($millions) | 6.1571% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5163% | 112 |
| Loan loss allowance to noncurrent loans | 27.6947% | 6,277 |
| Noncurrent assets plus other real estate owned to assets | 23.4222% | 22 |
| Noncurrent loans to loans | 19.9183% | 49 |
| Net loans and leases to total assets | 63.8525% | 2,878 |
| Net loans and leases to deposits | 72.6519% | 3,334 |
| Net loans and leases to core deposits | 76.0226% | 3,616 |
| Total domestic deposits to total assets | 87.8883% | 2,403 |
| Equity capital to assets | 8.5996% | 5,994 |
| Core capital (leverage) ratio | 7.6076% | 6,564 |
| Tier 1 risk-based capital ratio | 10.1671% | 6,841 |
| Total risk-based capital ratio | 11.4591% | 6,826 |
| Memoranda: | ||
| Average total assets | $289,009,500 | 2,248 |
| Average earning assets | $240,192,500 | 2,448 |
| Average equity | $23,199,500 | 2,830 |
| Average total loans | $194,414,500 | 2,085 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9728% | 6,505 |
| Cost of funding earning assets | 1.1822% | 2,150 |
| Net interest margin | 2.7906% | 6,831 |
| Noninterest income to average assets | -0.4171% | 7,240 |
| Noninterest expense to average assets | 7.5540% | 121 |
| Loan and lease loss provision to assets | -0.2996% | 7,316 |
| Net operating income to assets | -5.2977% | 7,314 |
| Return on assets (ROA) | -5.1626% | 7,312 |
| Pretax return on assets | -5.1626% | 7,314 |
| Return on Equity (ROE) | -56.9848% | 7,234 |
| Retained earnings to average equity (ytd only) | -56.9848% | 7,234 |
| Net charge-offs to loans | 1.0539% | 1,644 |
| Credit loss provision to net charge-offs | -42.6985% | 6,658 |
| Earnings coverage of net charge-offs (x) | -7.9761% | 6,384 |
| Efficiency ratio | 386.0643% | 16 |
| Assets per employee ($millions) | 6.2698% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1021% | 168 |
| Loan loss allowance to noncurrent loans | 29.7160% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 20.5111% | 49 |
| Noncurrent loans to loans | 17.1695% | 84 |
| Net loans and leases to total assets | 63.5653% | 3,276 |
| Net loans and leases to deposits | 71.1882% | 3,920 |
| Net loans and leases to core deposits | 76.3669% | 3,927 |
| Total domestic deposits to total assets | 89.2919% | 1,371 |
| Equity capital to assets | 7.5003% | 6,811 |
| Core capital (leverage) ratio | 6.8656% | 6,909 |
| Tier 1 risk-based capital ratio | 9.0762% | 7,024 |
| Total risk-based capital ratio | 10.3653% | 7,018 |
| Memoranda: | ||
| Average total assets | $333,728,400 | 1,939 |
| Average earning assets | $283,883,600 | 2,069 |
| Average equity | $30,234,400 | 2,178 |
| Average total loans | $222,218,800 | 1,857 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 6,656 |
| Cost of funding earning assets | 1.2401% | 2,063 |
| Net interest margin | 2.7145% | 6,979 |
| Noninterest income to average assets | -0.3338% | 7,307 |
| Noninterest expense to average assets | 7.2385% | 132 |
| Loan and lease loss provision to assets | -0.3899% | 7,403 |
| Net operating income to assets | -4.8649% | 7,373 |
| Return on assets (ROA) | -4.7670% | 7,372 |
| Pretax return on assets | -4.7670% | 7,372 |
| Return on Equity (ROE) | -50.6986% | 7,295 |
| Retained earnings to average equity (ytd only) | -50.6986% | 7,290 |
| Net charge-offs to loans | 0.3958% | 3,133 |
| Credit loss provision to net charge-offs | -148.1481% | 6,560 |
| Earnings coverage of net charge-offs (x) | -19.9644% | 6,151 |
| Efficiency ratio | 364.9106% | 13 |
| Assets per employee ($millions) | 6.4691% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6821% | 121 |
| Loan loss allowance to noncurrent loans | 30.0060% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 22.2162% | 35 |
| Noncurrent loans to loans | 18.9366% | 69 |
| Net loans and leases to total assets | 63.8911% | 3,333 |
| Net loans and leases to deposits | 73.3338% | 3,755 |
| Net loans and leases to core deposits | 78.5024% | 3,829 |
| Total domestic deposits to total assets | 87.1237% | 2,574 |
| Equity capital to assets | 8.9338% | 5,828 |
| Core capital (leverage) ratio | 8.1199% | 6,258 |
| Tier 1 risk-based capital ratio | 10.8778% | 6,617 |
| Total risk-based capital ratio | 12.1740% | 6,564 |
| Memoranda: | ||
| Average total assets | $341,923,250 | 1,901 |
| Average earning assets | $291,904,250 | 2,015 |
| Average equity | $32,150,000 | 2,065 |
| Average total loans | $227,377,500 | 1,838 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 6,746 |
| Cost of funding earning assets | 1.2957% | 1,963 |
| Net interest margin | 2.6489% | 7,081 |
| Noninterest income to average assets | 0.2361% | 5,961 |
| Noninterest expense to average assets | 4.9933% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -2.4830% | 7,262 |
| Return on assets (ROA) | -2.4592% | 7,265 |
| Pretax return on assets | -2.4592% | 7,244 |
| Return on Equity (ROE) | -25.7766% | 7,201 |
| Retained earnings to average equity (ytd only) | -25.7766% | 7,192 |
| Net charge-offs to loans | -0.4909% | 7,402 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.9148% | 65 |
| Assets per employee ($millions) | 7.1349% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4447% | 78 |
| Loan loss allowance to noncurrent loans | 36.1185% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 19.7172% | 66 |
| Noncurrent loans to loans | 17.8433% | 88 |
| Net loans and leases to total assets | 62.8068% | 3,717 |
| Net loans and leases to deposits | 73.4625% | 3,884 |
| Net loans and leases to core deposits | 78.9925% | 3,933 |
| Total domestic deposits to total assets | 85.4950% | 3,629 |
| Equity capital to assets | 9.8036% | 4,386 |
| Core capital (leverage) ratio | 9.2676% | 4,296 |
| Tier 1 risk-based capital ratio | 12.6880% | 5,189 |
| Total risk-based capital ratio | 13.9943% | 5,111 |
| Memoranda: | ||
| Average total assets | $352,392,330 | 1,862 |
| Average earning assets | $302,542,330 | 1,957 |
| Average equity | $33,619,670 | 1,975 |
| Average total loans | $233,055,330 | 1,830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7561% | 7,005 |
| Cost of funding earning assets | 1.4127% | 1,550 |
| Net interest margin | 2.3434% | 7,290 |
| Noninterest income to average assets | 0.1866% | 6,387 |
| Noninterest expense to average assets | 3.6567% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.4530% | 7,186 |
| Return on assets (ROA) | -1.4376% | 7,181 |
| Pretax return on assets | -1.4376% | 7,137 |
| Return on Equity (ROE) | -15.2585% | 7,151 |
| Retained earnings to average equity (ytd only) | -15.2585% | 7,051 |
| Net charge-offs to loans | 0.0869% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -25.4615% | 5,079 |
| Efficiency ratio | 165.9363% | 105 |
| Assets per employee ($millions) | 6.4961% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8873% | 110 |
| Loan loss allowance to noncurrent loans | 31.4411% | 6,208 |
| Noncurrent assets plus other real estate owned to assets | 18.2098% | 85 |
| Noncurrent loans to loans | 18.7248% | 77 |
| Net loans and leases to total assets | 63.0299% | 3,644 |
| Net loans and leases to deposits | 73.6009% | 3,822 |
| Net loans and leases to core deposits | 79.8683% | 3,782 |
| Total domestic deposits to total assets | 85.6375% | 3,718 |
| Equity capital to assets | 9.8483% | 3,966 |
| Core capital (leverage) ratio | 9.0080% | 4,602 |
| Tier 1 risk-based capital ratio | 13.6369% | 4,336 |
| Total risk-based capital ratio | 14.9386% | 4,267 |
| Memoranda: | ||
| Average total assets | $364,486,000 | 1,804 |
| Average earning assets | $313,729,500 | 1,903 |
| Average equity | $34,341,500 | 1,929 |
| Average total loans | $239,415,500 | 1,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 7,307 |
| Cost of funding earning assets | 1.7241% | 1,488 |
| Net interest margin | 1.9727% | 7,462 |
| Noninterest income to average assets | 0.3762% | 5,087 |
| Noninterest expense to average assets | 3.1069% | 3,427 |
| Loan and lease loss provision to assets | 2.3572% | 497 |
| Net operating income to assets | -3.2469% | 7,339 |
| Return on assets (ROA) | -2.7362% | 7,252 |
| Pretax return on assets | -2.8043% | 7,247 |
| Return on Equity (ROE) | -33.5658% | 7,272 |
| Retained earnings to average equity (ytd only) | -33.5658% | 7,262 |
| Net charge-offs to loans | 2.0957% | 954 |
| Credit loss provision to net charge-offs | 162.7346% | 2,133 |
| Earnings coverage of net charge-offs (x) | -0.6685% | 6,520 |
| Efficiency ratio | 145.2730% | 239 |
| Assets per employee ($millions) | 7.2581% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4896% | 142 |
| Loan loss allowance to noncurrent loans | 35.8320% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 14.9571% | 166 |
| Noncurrent loans to loans | 15.3205% | 155 |
| Net loans and leases to total assets | 60.9912% | 4,492 |
| Net loans and leases to deposits | 70.2111% | 4,791 |
| Net loans and leases to core deposits | 76.2891% | 4,664 |
| Total domestic deposits to total assets | 86.8683% | 2,899 |
| Equity capital to assets | 9.0402% | 5,083 |
| Core capital (leverage) ratio | 9.0320% | 4,484 |
| Tier 1 risk-based capital ratio | 13.1344% | 4,498 |
| Total risk-based capital ratio | 14.4326% | 4,414 |
| Memoranda: | ||
| Average total assets | $386,267,000 | 1,700 |
| Average earning assets | $345,115,000 | 1,734 |
| Average equity | $31,487,400 | 2,082 |
| Average total loans | $266,981,400 | 1,666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 7,372 |
| Cost of funding earning assets | 1.7936% | 1,439 |
| Net interest margin | 2.0654% | 7,561 |
| Noninterest income to average assets | 0.3459% | 5,398 |
| Noninterest expense to average assets | 2.8568% | 4,251 |
| Loan and lease loss provision to assets | 2.4038% | 451 |
| Net operating income to assets | -2.9411% | 7,439 |
| Return on assets (ROA) | -2.2748% | 7,313 |
| Pretax return on assets | -2.3655% | 7,285 |
| Return on Equity (ROE) | -28.6832% | 7,370 |
| Retained earnings to average equity (ytd only) | -28.6832% | 7,360 |
| Net charge-offs to loans | 1.3001% | 1,566 |
| Credit loss provision to net charge-offs | 263.1559% | 1,255 |
| Earnings coverage of net charge-offs (x) | -0.7180% | 6,396 |
| Efficiency ratio | 129.7979% | 296 |
| Assets per employee ($millions) | 8.1552% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6293% | 122 |
| Loan loss allowance to noncurrent loans | 36.4134% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 14.8659% | 160 |
| Noncurrent loans to loans | 15.4593% | 153 |
| Net loans and leases to total assets | 63.1526% | 4,288 |
| Net loans and leases to deposits | 72.5391% | 4,757 |
| Net loans and leases to core deposits | 80.4330% | 4,465 |
| Total domestic deposits to total assets | 87.0601% | 2,494 |
| Equity capital to assets | 8.8585% | 5,763 |
| Core capital (leverage) ratio | 8.4955% | 5,514 |
| Tier 1 risk-based capital ratio | 12.3147% | 5,163 |
| Total risk-based capital ratio | 13.6144% | 5,082 |
| Memoranda: | ||
| Average total assets | $386,663,750 | 1,726 |
| Average earning assets | $347,296,750 | 1,748 |
| Average equity | $30,665,250 | 2,152 |
| Average total loans | $271,664,500 | 1,664 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 7,409 |
| Cost of funding earning assets | 1.8579% | 1,392 |
| Net interest margin | 2.0707% | 7,627 |
| Noninterest income to average assets | 0.3234% | 5,568 |
| Noninterest expense to average assets | 2.5679% | 5,463 |
| Loan and lease loss provision to assets | 1.6612% | 771 |
| Net operating income to assets | -1.8973% | 7,280 |
| Return on assets (ROA) | -1.7247% | 7,240 |
| Pretax return on assets | -1.8582% | 7,193 |
| Return on Equity (ROE) | -22.6183% | 7,331 |
| Retained earnings to average equity (ytd only) | -22.6183% | 7,316 |
| Net charge-offs to loans | 0.4828% | 3,093 |
| Credit loss provision to net charge-offs | 482.1856% | 771 |
| Earnings coverage of net charge-offs (x) | -1.1108% | 6,135 |
| Efficiency ratio | 117.5124% | 446 |
| Assets per employee ($millions) | 8.7602% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8751% | 187 |
| Loan loss allowance to noncurrent loans | 34.8804% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 13.2672% | 208 |
| Noncurrent loans to loans | 13.9767% | 200 |
| Net loans and leases to total assets | 60.0493% | 5,049 |
| Net loans and leases to deposits | 70.1672% | 5,252 |
| Net loans and leases to core deposits | 78.3484% | 4,885 |
| Total domestic deposits to total assets | 85.5804% | 3,328 |
| Equity capital to assets | 8.7349% | 5,834 |
| Core capital (leverage) ratio | 8.4428% | 5,505 |
| Tier 1 risk-based capital ratio | 11.9074% | 5,395 |
| Total risk-based capital ratio | 13.1950% | 5,327 |
| Memoranda: | ||
| Average total assets | $387,787,000 | 1,738 |
| Average earning assets | $348,672,670 | 1,753 |
| Average equity | $29,569,000 | 2,220 |
| Average total loans | $276,719,670 | 1,652 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 7,367 |
| Cost of funding earning assets | 1.8268% | 1,764 |
| Net interest margin | 2.2858% | 7,602 |
| Noninterest income to average assets | 0.2927% | 5,802 |
| Noninterest expense to average assets | 2.5034% | 5,716 |
| Loan and lease loss provision to assets | 2.1511% | 508 |
| Net operating income to assets | -2.2628% | 7,514 |
| Return on assets (ROA) | -2.1255% | 7,493 |
| Pretax return on assets | -2.1255% | 7,441 |
| Return on Equity (ROE) | -30.2903% | 7,576 |
| Retained earnings to average equity (ytd only) | -30.2903% | 7,548 |
| Net charge-offs to loans | -1.6624% | 7,864 |
| Credit loss provision to net charge-offs | -170.5485% | 6,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6729% | 706 |
| Assets per employee ($millions) | 8.5511% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6868% | 227 |
| Loan loss allowance to noncurrent loans | 27.7395% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 12.0890% | 257 |
| Noncurrent loans to loans | 16.8958% | 135 |
| Net loans and leases to total assets | 67.4149% | 3,525 |
| Net loans and leases to deposits | 76.8713% | 4,243 |
| Net loans and leases to core deposits | 89.2872% | 3,459 |
| Total domestic deposits to total assets | 87.6983% | 2,238 |
| Equity capital to assets | 6.6994% | 7,480 |
| Core capital (leverage) ratio | 7.3332% | 6,999 |
| Tier 1 risk-based capital ratio | 8.8248% | 7,512 |
| Total risk-based capital ratio | 10.1143% | 7,525 |
| Memoranda: | ||
| Average total assets | $375,815,500 | 1,824 |
| Average earning assets | $345,086,500 | 1,814 |
| Average equity | $26,371,500 | 2,476 |
| Average total loans | $285,123,500 | 1,651 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 6,372 |
| Cost of funding earning assets | 2.5916% | 799 |
| Net interest margin | 2.4273% | 7,489 |
| Noninterest income to average assets | -0.3189% | 7,900 |
| Noninterest expense to average assets | 2.4635% | 6,259 |
| Loan and lease loss provision to assets | 6.6765% | 77 |
| Net operating income to assets | -7.2175% | 7,906 |
| Return on assets (ROA) | -6.8338% | 7,880 |
| Pretax return on assets | -6.8333% | 7,856 |
| Return on Equity (ROE) | -93.3615% | 7,913 |
| Retained earnings to average equity (ytd only) | -96.3957% | 7,918 |
| Net charge-offs to loans | 6.2183% | 162 |
| Credit loss provision to net charge-offs | 140.1510% | 3,474 |
| Earnings coverage of net charge-offs (x) | -0.1134% | 6,345 |
| Efficiency ratio | 128.1039% | 497 |
| Assets per employee ($millions) | 8.1332% | 488 |
| Cash dividends to net income (ytd only)* | -3.2500% | 7,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5376% | 512 |
| Loan loss allowance to noncurrent loans | 26.9557% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 10.9826% | 304 |
| Noncurrent loans to loans | 13.1239% | 236 |
| Net loans and leases to total assets | 78.8798% | 1,208 |
| Net loans and leases to deposits | 91.5357% | 1,959 |
| Net loans and leases to core deposits | 125.9745% | 1,512 |
| Total domestic deposits to total assets | 86.1738% | 2,918 |
| Equity capital to assets | 7.3823% | 7,134 |
| Core capital (leverage) ratio | 6.9459% | 7,281 |
| Tier 1 risk-based capital ratio | 8.6215% | 7,569 |
| Total risk-based capital ratio | 9.8985% | 7,594 |
| Memoranda: | ||
| Average total assets | $378,207,400 | 1,809 |
| Average earning assets | $349,321,800 | 1,786 |
| Average equity | $27,683,800 | 2,403 |
| Average total loans | $289,740,200 | 1,658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 6,474 |
| Cost of funding earning assets | 2.7416% | 705 |
| Net interest margin | 2.2993% | 7,644 |
| Noninterest income to average assets | -0.2896% | 8,012 |
| Noninterest expense to average assets | 2.4086% | 6,389 |
| Loan and lease loss provision to assets | 6.9397% | 72 |
| Net operating income to assets | -7.5179% | 7,995 |
| Return on assets (ROA) | -7.1266% | 7,985 |
| Pretax return on assets | -7.1259% | 7,963 |
| Return on Equity (ROE) | -97.5503% | 8,005 |
| Retained earnings to average equity (ytd only) | -101.5288% | 8,012 |
| Net charge-offs to loans | 4.0864% | 337 |
| Credit loss provision to net charge-offs | 225.1207% | 1,938 |
| Earnings coverage of net charge-offs (x) | -0.1873% | 6,279 |
| Efficiency ratio | 131.5382% | 458 |
| Assets per employee ($millions) | 9.0498% | 361 |
| Cash dividends to net income (ytd only)* | -4.0785% | 7,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8867% | 147 |
| Loan loss allowance to noncurrent loans | 70.7942% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 5.9431% | 912 |
| Noncurrent loans to loans | 6.9027% | 787 |
| Net loans and leases to total assets | 70.1731% | 3,465 |
| Net loans and leases to deposits | 79.5702% | 4,463 |
| Net loans and leases to core deposits | 103.2721% | 4,024 |
| Total domestic deposits to total assets | 88.1902% | 1,569 |
| Equity capital to assets | 6.9504% | 7,618 |
| Core capital (leverage) ratio | 6.6491% | 7,609 |
| Tier 1 risk-based capital ratio | 8.7123% | 7,709 |
| Total risk-based capital ratio | 10.0047% | 7,734 |
| Memoranda: | ||
| Average total assets | $385,327,500 | 1,786 |
| Average earning assets | $355,403,250 | 1,772 |
| Average equity | $28,150,250 | 2,382 |
| Average total loans | $290,680,000 | 1,672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1933% | 6,100 |
| Cost of funding earning assets | 2.7963% | 798 |
| Net interest margin | 2.3970% | 7,578 |
| Noninterest income to average assets | -0.0812% | 8,023 |
| Noninterest expense to average assets | 2.5028% | 6,117 |
| Loan and lease loss provision to assets | 3.3308% | 439 |
| Net operating income to assets | -3.7083% | 7,790 |
| Return on assets (ROA) | -3.2235% | 7,717 |
| Pretax return on assets | -3.2224% | 7,619 |
| Return on Equity (ROE) | -43.4112% | 7,870 |
| Retained earnings to average equity (ytd only) | -47.4507% | 7,895 |
| Net charge-offs to loans | 3.2480% | 492 |
| Credit loss provision to net charge-offs | 134.9367% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.1525% | 5,840 |
| Efficiency ratio | 117.7076% | 711 |
| Assets per employee ($millions) | 7.0611% | 754 |
| Cash dividends to net income (ytd only)* | -9.3053% | 7,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 2,793 |
| Loan loss allowance to noncurrent loans | 23.5401% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 6.3464% | 734 |
| Noncurrent loans to loans | 6.7454% | 756 |
| Net loans and leases to total assets | 73.7779% | 2,765 |
| Net loans and leases to deposits | 84.0501% | 3,868 |
| Net loans and leases to core deposits | 118.6397% | 2,489 |
| Total domestic deposits to total assets | 87.7784% | 1,889 |
| Equity capital to assets | 7.2311% | 7,463 |
| Core capital (leverage) ratio | 7.0805% | 7,478 |
| Tier 1 risk-based capital ratio | 8.7697% | 7,794 |
| Total risk-based capital ratio | 10.0226% | 7,837 |
| Memoranda: | ||
| Average total assets | $384,056,000 | 1,818 |
| Average earning assets | $353,686,330 | 1,799 |
| Average equity | $28,518,000 | 2,371 |
| Average total loans | $291,872,330 | 1,694 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 6,270 |
| Cost of funding earning assets | 2.8362% | 900 |
| Net interest margin | 2.3704% | 7,651 |
| Noninterest income to average assets | -0.0934% | 8,136 |
| Noninterest expense to average assets | 2.5281% | 5,734 |
| Loan and lease loss provision to assets | 1.5505% | 812 |
| Net operating income to assets | -1.9718% | 7,653 |
| Return on assets (ROA) | -1.2972% | 7,428 |
| Pretax return on assets | -1.2952% | 7,298 |
| Return on Equity (ROE) | -17.2467% | 7,687 |
| Retained earnings to average equity (ytd only) | -22.4070% | 7,708 |
| Net charge-offs to loans | 0.6959% | 1,795 |
| Credit loss provision to net charge-offs | 291.2281% | 1,666 |
| Earnings coverage of net charge-offs (x) | -0.7875% | 5,322 |
| Efficiency ratio | 119.8819% | 634 |
| Assets per employee ($millions) | 6.5817% | 928 |
| Cash dividends to net income (ytd only)* | -29.9200% | 8,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,916 |
| Loan loss allowance to noncurrent loans | 27.3887% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 4.5581% | 1,051 |
| Noncurrent loans to loans | 4.8553% | 1,130 |
| Net loans and leases to total assets | 75.1053% | 2,479 |
| Net loans and leases to deposits | 86.0253% | 3,626 |
| Net loans and leases to core deposits | 122.0601% | 2,248 |
| Total domestic deposits to total assets | 87.3060% | 2,066 |
| Equity capital to assets | 7.3519% | 7,453 |
| Core capital (leverage) ratio | 6.9587% | 7,659 |
| Tier 1 risk-based capital ratio | 8.7773% | 7,887 |
| Total risk-based capital ratio | 10.0273% | 7,945 |
| Memoranda: | ||
| Average total assets | $385,434,000 | 1,821 |
| Average earning assets | $358,082,000 | 1,795 |
| Average equity | $28,991,000 | 2,345 |
| Average total loans | $294,881,500 | 1,687 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0828% | 5,129 |
| Cost of funding earning assets | 3.4496% | 602 |
| Net interest margin | 2.6332% | 7,604 |
| Noninterest income to average assets | 0.7874% | 2,587 |
| Noninterest expense to average assets | 2.4465% | 6,225 |
| Loan and lease loss provision to assets | 1.0415% | 1,410 |
| Net operating income to assets | -0.2536% | 6,686 |
| Return on assets (ROA) | -0.1243% | 6,380 |
| Pretax return on assets | -0.1232% | 6,293 |
| Return on Equity (ROE) | -1.5864% | 6,448 |
| Retained earnings to average equity (ytd only) | -4.6608% | 6,453 |
| Net charge-offs to loans | 0.8081% | 1,544 |
| Credit loss provision to net charge-offs | 169.9731% | 3,017 |
| Earnings coverage of net charge-offs (x) | 1.2877% | 5,485 |
| Efficiency ratio | 75.6141% | 3,304 |
| Assets per employee ($millions) | 6.3791% | 944 |
| Cash dividends to net income (ytd only)* | -193.8053% | 8,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,310 |
| Loan loss allowance to noncurrent loans | 23.6195% | 7,069 |
| Noncurrent assets plus other real estate owned to assets | 3.9262% | 1,064 |
| Noncurrent loans to loans | 4.0797% | 1,198 |
| Net loans and leases to total assets | 76.1469% | 2,578 |
| Net loans and leases to deposits | 87.7851% | 3,835 |
| Net loans and leases to core deposits | 119.3788% | 2,751 |
| Total domestic deposits to total assets | 86.7424% | 2,069 |
| Equity capital to assets | 7.6882% | 7,217 |
| Core capital (leverage) ratio | 7.7496% | 6,866 |
| Tier 1 risk-based capital ratio | 9.1334% | 7,682 |
| Total risk-based capital ratio | 10.0628% | 7,949 |
| Memoranda: | ||
| Average total assets | $363,618,600 | 1,843 |
| Average earning assets | $338,067,400 | 1,820 |
| Average equity | $28,493,000 | 2,373 |
| Average total loans | $275,702,200 | 1,737 |