Home > American Enterprise Bank of Florida > Performance and Condition Ratios
American Enterprise Bank of Florida, Performance and Condition Ratios
| 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 | 4.3421% | 2,088 |
| Cost of funding earning assets | 0.6663% | 982 |
| Net interest margin | 3.6758% | 2,848 |
| Noninterest income to average assets | 0.3749% | 4,226 |
| Noninterest expense to average assets | 3.1643% | 2,053 |
| Loan and lease loss provision to assets | -0.0533% | 5,757 |
| Net operating income to assets | 0.6245% | 4,166 |
| Return on assets (ROA) | 0.6260% | 4,246 |
| Pretax return on assets | 0.6260% | 4,765 |
| Return on Equity (ROE) | 6.9118% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.9118% | 1,318 |
| Net charge-offs to loans | 0.0881% | 2,561 |
| Credit loss provision to net charge-offs | -80.0000% | 5,107 |
| Earnings coverage of net charge-offs (x) | 8.5778% | 2,928 |
| Efficiency ratio | 84.7088% | 1,122 |
| Assets per employee ($millions) | 4.8642% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 1,380 |
| Loan loss allowance to noncurrent loans | 94.6592% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 1.8327% | 1,029 |
| Noncurrent loans to loans | 1.7822% | 1,238 |
| Net loans and leases to total assets | 78.7196% | 1,029 |
| Net loans and leases to deposits | 87.3041% | 1,958 |
| Net loans and leases to core deposits | 107.4206% | 1,008 |
| Total domestic deposits to total assets | 90.1671% | 561 |
| Equity capital to assets | 9.4980% | 4,551 |
| Core capital (leverage) ratio | 8.7005% | 5,216 |
| Tier 1 risk-based capital ratio | 11.2448% | 5,401 |
| Total risk-based capital ratio | 12.5038% | 5,296 |
| Memoranda: | ||
| Average total assets | $202,728,000 | 2,919 |
| Average earning assets | $185,348,000 | 2,939 |
| Average equity | $18,359,800 | 3,334 |
| Average total loans | $153,184,600 | 2,553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 2,166 |
| Cost of funding earning assets | 0.6813% | 927 |
| Net interest margin | 3.6395% | 2,999 |
| Noninterest income to average assets | 0.4159% | 3,963 |
| Noninterest expense to average assets | 3.0976% | 2,226 |
| Loan and lease loss provision to assets | -0.0707% | 5,958 |
| Net operating income to assets | 0.7166% | 3,838 |
| Return on assets (ROA) | 0.7159% | 3,940 |
| Pretax return on assets | 0.7159% | 4,623 |
| Return on Equity (ROE) | 8.0009% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.0009% | 1,239 |
| Net charge-offs to loans | 0.0132% | 3,718 |
| Credit loss provision to net charge-offs | -720.0000% | 5,437 |
| Earnings coverage of net charge-offs (x) | 65.7315% | 848 |
| Efficiency ratio | 82.7472% | 1,300 |
| Assets per employee ($millions) | 4.8904% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 1,259 |
| Loan loss allowance to noncurrent loans | 104.8435% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.7069% | 1,266 |
| Noncurrent loans to loans | 1.7189% | 1,399 |
| Net loans and leases to total assets | 74.6507% | 1,618 |
| Net loans and leases to deposits | 86.8559% | 2,047 |
| Net loans and leases to core deposits | 109.3160% | 912 |
| Total domestic deposits to total assets | 85.9478% | 2,554 |
| Equity capital to assets | 9.1442% | 5,170 |
| Core capital (leverage) ratio | 8.8765% | 5,148 |
| Tier 1 risk-based capital ratio | 11.4745% | 5,389 |
| Total risk-based capital ratio | 12.7352% | 5,303 |
| Memoranda: | ||
| Average total assets | $203,552,000 | 2,937 |
| Average earning assets | $186,102,000 | 2,951 |
| Average equity | $18,214,250 | 3,381 |
| Average total loans | $151,559,250 | 2,588 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 1,965 |
| Cost of funding earning assets | 0.6973% | 854 |
| Net interest margin | 3.6662% | 2,854 |
| Noninterest income to average assets | 0.2562% | 5,121 |
| Noninterest expense to average assets | 3.0364% | 2,435 |
| Loan and lease loss provision to assets | -0.1064% | 6,093 |
| Net operating income to assets | 0.6840% | 3,965 |
| Return on assets (ROA) | 0.6830% | 4,084 |
| Pretax return on assets | 0.6830% | 4,713 |
| Return on Equity (ROE) | 7.6893% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.6893% | 1,392 |
| Net charge-offs to loans | 0.5506% | 445 |
| Credit loss provision to net charge-offs | -26.1501% | 4,750 |
| Earnings coverage of net charge-offs (x) | 1.4189% | 3,518 |
| Efficiency ratio | 84.0196% | 1,264 |
| Assets per employee ($millions) | 4.7707% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 1,982 |
| Loan loss allowance to noncurrent loans | 118.5476% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 1,104 |
| Noncurrent loans to loans | 1.3301% | 2,020 |
| Net loans and leases to total assets | 75.2660% | 1,470 |
| Net loans and leases to deposits | 83.2716% | 2,404 |
| Net loans and leases to core deposits | 112.9520% | 712 |
| Total domestic deposits to total assets | 90.3862% | 503 |
| Equity capital to assets | 9.1756% | 5,048 |
| Core capital (leverage) ratio | 8.5170% | 5,513 |
| Tier 1 risk-based capital ratio | 11.4628% | 5,488 |
| Total risk-based capital ratio | 12.7173% | 5,408 |
| Memoranda: | ||
| Average total assets | $202,936,670 | 2,963 |
| Average earning assets | $185,858,330 | 2,979 |
| Average equity | $18,025,000 | 3,418 |
| Average total loans | $150,030,670 | 2,616 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4029% | 1,758 |
| Cost of funding earning assets | 0.6811% | 941 |
| Net interest margin | 3.7217% | 2,548 |
| Noninterest income to average assets | 0.1587% | 5,788 |
| Noninterest expense to average assets | 2.8871% | 2,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6855% | 3,868 |
| Return on assets (ROA) | 0.6855% | 3,998 |
| Pretax return on assets | 0.6855% | 4,631 |
| Return on Equity (ROE) | 7.8453% | 3,041 |
| Retained earnings to average equity (ytd only) | 7.8453% | 1,630 |
| Net charge-offs to loans | 1.1318% | 205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 3,004 |
| Efficiency ratio | 80.8114% | 1,784 |
| Assets per employee ($millions) | 4.9978% | 2,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6646% | 1,836 |
| Loan loss allowance to noncurrent loans | 118.4471% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 2.0033% | 1,183 |
| Noncurrent loans to loans | 1.4053% | 2,043 |
| Net loans and leases to total assets | 70.8380% | 2,012 |
| Net loans and leases to deposits | 77.8201% | 2,829 |
| Net loans and leases to core deposits | 109.2583% | 783 |
| Total domestic deposits to total assets | 91.0279% | 357 |
| Equity capital to assets | 8.5843% | 5,676 |
| Core capital (leverage) ratio | 8.1787% | 5,825 |
| Tier 1 risk-based capital ratio | 11.0255% | 5,798 |
| Total risk-based capital ratio | 12.2802% | 5,725 |
| Memoranda: | ||
| Average total assets | $204,221,000 | 2,964 |
| Average earning assets | $187,333,000 | 2,971 |
| Average equity | $17,845,000 | 3,474 |
| Average total loans | $148,433,500 | 2,642 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3422% | 2,452 |
| Cost of funding earning assets | 0.8069% | 628 |
| Net interest margin | 3.5353% | 3,662 |
| Noninterest income to average assets | 0.2222% | 5,536 |
| Noninterest expense to average assets | 3.3152% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1333% | 5,907 |
| Return on assets (ROA) | 0.1333% | 5,952 |
| Pretax return on assets | 0.1333% | 5,959 |
| Return on Equity (ROE) | 1.5145% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.5145% | 5,078 |
| Net charge-offs to loans | 0.3079% | 1,431 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.5919% | 4,607 |
| Efficiency ratio | 96.1336% | 496 |
| Assets per employee ($millions) | 4.6200% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 1,084 |
| Loan loss allowance to noncurrent loans | 112.5287% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7089% | 1,563 |
| Noncurrent loans to loans | 1.7919% | 1,606 |
| Net loans and leases to total assets | 71.8401% | 1,934 |
| Net loans and leases to deposits | 79.2355% | 2,812 |
| Net loans and leases to core deposits | 117.8493% | 472 |
| Total domestic deposits to total assets | 90.6666% | 479 |
| Equity capital to assets | 8.9584% | 5,335 |
| Core capital (leverage) ratio | 8.1873% | 5,862 |
| Tier 1 risk-based capital ratio | 11.2371% | 5,800 |
| Total risk-based capital ratio | 12.4964% | 5,724 |
| Memoranda: | ||
| Average total assets | $197,996,800 | 3,020 |
| Average earning assets | $180,692,600 | 3,033 |
| Average equity | $17,431,600 | 3,465 |
| Average total loans | $144,831,600 | 2,645 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,796 |
| Cost of funding earning assets | 0.8074% | 663 |
| Net interest margin | 3.4465% | 4,031 |
| Noninterest income to average assets | 0.2035% | 5,711 |
| Noninterest expense to average assets | 3.3152% | 1,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0270% | 6,116 |
| Return on assets (ROA) | 0.0270% | 6,135 |
| Pretax return on assets | 0.0270% | 6,125 |
| Return on Equity (ROE) | 0.3076% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.3076% | 5,714 |
| Net charge-offs to loans | 0.3300% | 1,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.1117% | 4,432 |
| Efficiency ratio | 99.1934% | 394 |
| Assets per employee ($millions) | 4.8068% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 1,018 |
| Loan loss allowance to noncurrent loans | 58.7493% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.1358% | 731 |
| Noncurrent loans to loans | 3.6631% | 632 |
| Net loans and leases to total assets | 69.7886% | 2,227 |
| Net loans and leases to deposits | 76.9853% | 3,072 |
| Net loans and leases to core deposits | 110.7445% | 714 |
| Total domestic deposits to total assets | 90.6519% | 470 |
| Equity capital to assets | 8.9137% | 5,447 |
| Core capital (leverage) ratio | 8.2247% | 5,904 |
| Tier 1 risk-based capital ratio | 11.4320% | 5,820 |
| Total risk-based capital ratio | 12.6935% | 5,754 |
| Memoranda: | ||
| Average total assets | $197,830,500 | 3,042 |
| Average earning assets | $180,156,750 | 3,060 |
| Average equity | $17,340,250 | 3,495 |
| Average total loans | $144,625,500 | 2,656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 3,010 |
| Cost of funding earning assets | 0.7976% | 717 |
| Net interest margin | 3.3867% | 4,228 |
| Noninterest income to average assets | 0.2050% | 5,728 |
| Noninterest expense to average assets | 3.3582% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0707% | 6,240 |
| Return on assets (ROA) | -0.0707% | 6,252 |
| Pretax return on assets | -0.0707% | 6,238 |
| Return on Equity (ROE) | -0.8109% | 6,264 |
| Retained earnings to average equity (ytd only) | -0.8109% | 5,829 |
| Net charge-offs to loans | 0.6439% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.1489% | 4,144 |
| Efficiency ratio | 102.1499% | 351 |
| Assets per employee ($millions) | 4.6851% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 1,606 |
| Loan loss allowance to noncurrent loans | 56.1813% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 3.2751% | 741 |
| Noncurrent loans to loans | 3.3645% | 817 |
| Net loans and leases to total assets | 75.0501% | 1,300 |
| Net loans and leases to deposits | 84.8653% | 1,946 |
| Net loans and leases to core deposits | 130.6658% | 220 |
| Total domestic deposits to total assets | 88.4344% | 1,665 |
| Equity capital to assets | 8.6628% | 5,649 |
| Core capital (leverage) ratio | 8.1032% | 6,019 |
| Tier 1 risk-based capital ratio | 10.8134% | 6,123 |
| Total risk-based capital ratio | 12.0490% | 6,078 |
| Memoranda: | ||
| Average total assets | $198,081,330 | 3,060 |
| Average earning assets | $180,295,330 | 3,079 |
| Average equity | $17,264,670 | 3,507 |
| Average total loans | $145,979,670 | 2,641 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 2,914 |
| Cost of funding earning assets | 0.8009% | 742 |
| Net interest margin | 3.3897% | 4,170 |
| Noninterest income to average assets | 0.0468% | 6,487 |
| Noninterest expense to average assets | 3.4319% | 1,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3075% | 6,403 |
| Return on assets (ROA) | -0.3075% | 6,405 |
| Pretax return on assets | -0.3075% | 6,395 |
| Return on Equity (ROE) | -3.5176% | 6,421 |
| Retained earnings to average equity (ytd only) | -3.5176% | 6,013 |
| Net charge-offs to loans | 0.1466% | 1,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.9038% | 3,552 |
| Efficiency ratio | 109.8435% | 271 |
| Assets per employee ($millions) | 4.6771% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3037% | 1,024 |
| Loan loss allowance to noncurrent loans | 43.3837% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 5.0683% | 396 |
| Noncurrent loans to loans | 5.3101% | 392 |
| Net loans and leases to total assets | 70.2398% | 1,844 |
| Net loans and leases to deposits | 77.1810% | 2,665 |
| Net loans and leases to core deposits | 110.6817% | 561 |
| Total domestic deposits to total assets | 91.0066% | 563 |
| Equity capital to assets | 8.5290% | 5,627 |
| Core capital (leverage) ratio | 8.2316% | 5,911 |
| Tier 1 risk-based capital ratio | 10.8025% | 6,240 |
| Total risk-based capital ratio | 12.0649% | 6,191 |
| Memoranda: | ||
| Average total assets | $196,392,000 | 3,098 |
| Average earning assets | $178,303,500 | 3,122 |
| Average equity | $17,171,000 | 3,526 |
| Average total loans | $141,915,000 | 2,705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3717% | 2,680 |
| Cost of funding earning assets | 0.8178% | 1,103 |
| Net interest margin | 3.5539% | 3,660 |
| Noninterest income to average assets | 0.2001% | 5,887 |
| Noninterest expense to average assets | 3.1217% | 2,671 |
| Loan and lease loss provision to assets | 0.2027% | 1,835 |
| Net operating income to assets | 0.1034% | 6,040 |
| Return on assets (ROA) | 0.0634% | 6,158 |
| Pretax return on assets | 0.0634% | 6,139 |
| Return on Equity (ROE) | 0.7080% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.7080% | 5,515 |
| Net charge-offs to loans | 0.7664% | 823 |
| Credit loss provision to net charge-offs | 35.7143% | 4,137 |
| Earnings coverage of net charge-offs (x) | 0.5394% | 4,900 |
| Efficiency ratio | 91.0690% | 945 |
| Assets per employee ($millions) | 4.4574% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4297% | 898 |
| Loan loss allowance to noncurrent loans | 38.8048% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 5.6874% | 354 |
| Noncurrent loans to loans | 6.2613% | 314 |
| Net loans and leases to total assets | 70.8791% | 1,860 |
| Net loans and leases to deposits | 78.4309% | 2,673 |
| Net loans and leases to core deposits | 107.1125% | 734 |
| Total domestic deposits to total assets | 90.3715% | 896 |
| Equity capital to assets | 8.9680% | 5,074 |
| Core capital (leverage) ratio | 8.0088% | 6,123 |
| Tier 1 risk-based capital ratio | 11.3263% | 6,009 |
| Total risk-based capital ratio | 12.5889% | 5,934 |
| Memoranda: | ||
| Average total assets | $192,396,400 | 3,119 |
| Average earning assets | $174,737,200 | 3,153 |
| Average equity | $17,231,000 | 3,533 |
| Average total loans | $142,480,400 | 2,664 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,650 |
| Cost of funding earning assets | 0.8293% | 1,155 |
| Net interest margin | 3.5515% | 3,651 |
| Noninterest income to average assets | 0.2146% | 5,893 |
| Noninterest expense to average assets | 3.1578% | 2,484 |
| Loan and lease loss provision to assets | 0.1454% | 2,459 |
| Net operating income to assets | 0.1343% | 6,068 |
| Return on assets (ROA) | 0.1461% | 6,113 |
| Pretax return on assets | 0.1461% | 6,144 |
| Return on Equity (ROE) | 1.6317% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.6317% | 5,324 |
| Net charge-offs to loans | 0.4215% | 1,518 |
| Credit loss provision to net charge-offs | 46.3576% | 3,589 |
| Earnings coverage of net charge-offs (x) | 0.8918% | 4,553 |
| Efficiency ratio | 91.8630% | 860 |
| Assets per employee ($millions) | 4.7914% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7375% | 713 |
| Loan loss allowance to noncurrent loans | 39.1225% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 6.1783% | 374 |
| Noncurrent loans to loans | 6.9973% | 297 |
| Net loans and leases to total assets | 69.5046% | 2,045 |
| Net loans and leases to deposits | 76.6302% | 2,867 |
| Net loans and leases to core deposits | 106.4914% | 732 |
| Total domestic deposits to total assets | 90.7013% | 654 |
| Equity capital to assets | 8.8075% | 5,415 |
| Core capital (leverage) ratio | 8.1794% | 6,083 |
| Tier 1 risk-based capital ratio | 11.3365% | 6,134 |
| Total risk-based capital ratio | 12.6048% | 6,096 |
| Memoranda: | ||
| Average total assets | $192,578,000 | 3,140 |
| Average earning assets | $174,757,250 | 3,181 |
| Average equity | $17,241,500 | 3,572 |
| Average total loans | $143,291,250 | 2,664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,466 |
| Cost of funding earning assets | 0.8429% | 1,186 |
| Net interest margin | 3.5848% | 3,433 |
| Noninterest income to average assets | 0.2185% | 5,873 |
| Noninterest expense to average assets | 3.1638% | 2,466 |
| Loan and lease loss provision to assets | 0.2196% | 1,729 |
| Net operating income to assets | 0.0899% | 6,148 |
| Return on assets (ROA) | 0.1119% | 6,199 |
| Pretax return on assets | 0.1119% | 6,212 |
| Return on Equity (ROE) | 1.2426% | 6,156 |
| Retained earnings to average equity (ytd only) | 1.2426% | 5,400 |
| Net charge-offs to loans | 0.2177% | 2,446 |
| Credit loss provision to net charge-offs | 133.7580% | 1,694 |
| Earnings coverage of net charge-offs (x) | 1.8854% | 3,895 |
| Efficiency ratio | 91.0897% | 973 |
| Assets per employee ($millions) | 4.7383% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9296% | 631 |
| Loan loss allowance to noncurrent loans | 38.5217% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 6.6587% | 359 |
| Noncurrent loans to loans | 7.6051% | 286 |
| Net loans and leases to total assets | 70.5758% | 1,789 |
| Net loans and leases to deposits | 77.7531% | 2,597 |
| Net loans and leases to core deposits | 104.2852% | 833 |
| Total domestic deposits to total assets | 90.7691% | 639 |
| Equity capital to assets | 8.8829% | 5,347 |
| Core capital (leverage) ratio | 8.2676% | 5,927 |
| Tier 1 risk-based capital ratio | 10.9556% | 6,353 |
| Total risk-based capital ratio | 12.2255% | 6,318 |
| Memoranda: | ||
| Average total assets | $191,288,670 | 3,176 |
| Average earning assets | $173,676,670 | 3,202 |
| Average equity | $17,221,330 | 3,589 |
| Average total loans | $144,261,000 | 2,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 2,326 |
| Cost of funding earning assets | 0.8611% | 1,198 |
| Net interest margin | 3.5956% | 3,282 |
| Noninterest income to average assets | 0.2171% | 5,920 |
| Noninterest expense to average assets | 3.1634% | 2,472 |
| Loan and lease loss provision to assets | 0.4426% | 649 |
| Net operating income to assets | -0.1328% | 6,469 |
| Return on assets (ROA) | 0.0063% | 6,408 |
| Pretax return on assets | 0.0063% | 6,400 |
| Return on Equity (ROE) | 0.0698% | 6,410 |
| Retained earnings to average equity (ytd only) | 0.0698% | 5,752 |
| Net charge-offs to loans | -0.0466% | 6,101 |
| Credit loss provision to net charge-offs | -1,235.2941% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0801% | 1,060 |
| Assets per employee ($millions) | 4.6879% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9928% | 662 |
| Loan loss allowance to noncurrent loans | 35.9843% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 7.3120% | 373 |
| Noncurrent loans to loans | 8.3168% | 306 |
| Net loans and leases to total assets | 72.7191% | 1,245 |
| Net loans and leases to deposits | 80.3076% | 2,035 |
| Net loans and leases to core deposits | 111.0423% | 463 |
| Total domestic deposits to total assets | 90.5507% | 741 |
| Equity capital to assets | 8.9436% | 5,564 |
| Core capital (leverage) ratio | 8.3817% | 5,735 |
| Tier 1 risk-based capital ratio | 10.4470% | 6,595 |
| Total risk-based capital ratio | 11.7228% | 6,567 |
| Memoranda: | ||
| Average total assets | $189,797,000 | 3,229 |
| Average earning assets | $171,877,500 | 3,260 |
| Average equity | $17,203,500 | 3,629 |
| Average total loans | $145,768,000 | 2,644 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9024% | 1,831 |
| Cost of funding earning assets | 0.9789% | 1,475 |
| Net interest margin | 3.9235% | 2,727 |
| Noninterest income to average assets | 0.3267% | 5,118 |
| Noninterest expense to average assets | 3.4685% | 1,904 |
| Loan and lease loss provision to assets | 0.8135% | 591 |
| Net operating income to assets | -0.3262% | 6,462 |
| Return on assets (ROA) | -0.2790% | 6,481 |
| Pretax return on assets | -0.2790% | 6,465 |
| Return on Equity (ROE) | -3.3639% | 6,516 |
| Retained earnings to average equity (ytd only) | -3.3639% | 6,294 |
| Net charge-offs to loans | 1.7856% | 459 |
| Credit loss provision to net charge-offs | 56.0888% | 4,548 |
| Earnings coverage of net charge-offs (x) | 0.3360% | 5,308 |
| Efficiency ratio | 87.6822% | 1,267 |
| Assets per employee ($millions) | 4.5705% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7703% | 848 |
| Loan loss allowance to noncurrent loans | 44.6448% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 5.9550% | 585 |
| Noncurrent loans to loans | 6.2053% | 564 |
| Net loans and leases to total assets | 76.5089% | 853 |
| Net loans and leases to deposits | 84.6395% | 1,679 |
| Net loans and leases to core deposits | 123.2845% | 244 |
| Total domestic deposits to total assets | 90.3938% | 755 |
| Equity capital to assets | 9.1878% | 5,282 |
| Core capital (leverage) ratio | 8.1927% | 6,006 |
| Tier 1 risk-based capital ratio | 10.2895% | 6,619 |
| Total risk-based capital ratio | 11.5634% | 6,579 |
| Memoranda: | ||
| Average total assets | $192,503,400 | 3,144 |
| Average earning assets | $178,054,000 | 3,116 |
| Average equity | $15,963,800 | 3,777 |
| Average total loans | $156,358,200 | 2,480 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 1,904 |
| Cost of funding earning assets | 0.9955% | 1,589 |
| Net interest margin | 3.9337% | 2,785 |
| Noninterest income to average assets | 0.3344% | 5,129 |
| Noninterest expense to average assets | 3.5056% | 1,742 |
| Loan and lease loss provision to assets | 0.7851% | 611 |
| Net operating income to assets | -0.2993% | 6,569 |
| Return on assets (ROA) | -0.2367% | 6,591 |
| Pretax return on assets | -0.2367% | 6,559 |
| Return on Equity (ROE) | -2.9306% | 6,622 |
| Retained earnings to average equity (ytd only) | -2.9306% | 6,478 |
| Net charge-offs to loans | 1.8471% | 419 |
| Credit loss provision to net charge-offs | 51.9345% | 4,354 |
| Earnings coverage of net charge-offs (x) | 0.3213% | 5,165 |
| Efficiency ratio | 87.8297% | 1,209 |
| Assets per employee ($millions) | 4.6012% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8045% | 883 |
| Loan loss allowance to noncurrent loans | 38.0965% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 6.9724% | 517 |
| Noncurrent loans to loans | 7.3615% | 474 |
| Net loans and leases to total assets | 76.3088% | 921 |
| Net loans and leases to deposits | 83.3989% | 1,938 |
| Net loans and leases to core deposits | 124.3138% | 244 |
| Total domestic deposits to total assets | 91.4985% | 288 |
| Equity capital to assets | 7.9623% | 6,613 |
| Core capital (leverage) ratio | 7.1010% | 6,772 |
| Tier 1 risk-based capital ratio | 9.0857% | 6,935 |
| Total risk-based capital ratio | 10.3637% | 6,935 |
| Memoranda: | ||
| Average total assets | $193,781,750 | 3,164 |
| Average earning assets | $180,147,500 | 3,118 |
| Average equity | $15,650,500 | 3,872 |
| Average total loans | $158,584,000 | 2,466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 1,994 |
| Cost of funding earning assets | 1.0126% | 1,690 |
| Net interest margin | 3.9163% | 2,841 |
| Noninterest income to average assets | 0.3774% | 4,818 |
| Noninterest expense to average assets | 3.5028% | 1,780 |
| Loan and lease loss provision to assets | 0.4733% | 1,346 |
| Net operating income to assets | 0.0472% | 6,260 |
| Return on assets (ROA) | 0.1072% | 6,300 |
| Pretax return on assets | 0.1722% | 6,191 |
| Return on Equity (ROE) | 1.3216% | 6,230 |
| Retained earnings to average equity (ytd only) | 1.3216% | 5,530 |
| Net charge-offs to loans | 1.9320% | 442 |
| Credit loss provision to net charge-offs | 29.5367% | 4,448 |
| Earnings coverage of net charge-offs (x) | 0.3443% | 4,906 |
| Efficiency ratio | 86.3937% | 1,394 |
| Assets per employee ($millions) | 4.1729% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6500% | 1,100 |
| Loan loss allowance to noncurrent loans | 51.3333% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 5.3987% | 837 |
| Noncurrent loans to loans | 5.1624% | 935 |
| Net loans and leases to total assets | 80.6843% | 434 |
| Net loans and leases to deposits | 88.4318% | 1,329 |
| Net loans and leases to core deposits | 137.9017% | 160 |
| Total domestic deposits to total assets | 91.2390% | 373 |
| Equity capital to assets | 8.2260% | 6,433 |
| Core capital (leverage) ratio | 7.2085% | 6,751 |
| Tier 1 risk-based capital ratio | 9.1736% | 6,963 |
| Total risk-based capital ratio | 10.4425% | 6,960 |
| Memoranda: | ||
| Average total assets | $193,959,330 | 3,166 |
| Average earning assets | $182,110,670 | 3,098 |
| Average equity | $15,738,330 | 3,846 |
| Average total loans | $160,871,670 | 2,454 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 1,684 |
| Cost of funding earning assets | 1.0478% | 1,693 |
| Net interest margin | 4.0146% | 2,443 |
| Noninterest income to average assets | 0.2667% | 5,741 |
| Noninterest expense to average assets | 3.4796% | 1,803 |
| Loan and lease loss provision to assets | 0.4001% | 1,580 |
| Net operating income to assets | 0.1046% | 6,231 |
| Return on assets (ROA) | 0.1046% | 6,357 |
| Pretax return on assets | 0.1682% | 6,258 |
| Return on Equity (ROE) | 1.2983% | 6,287 |
| Retained earnings to average equity (ytd only) | 1.2983% | 5,578 |
| Net charge-offs to loans | 0.3462% | 2,266 |
| Credit loss provision to net charge-offs | 139.2857% | 1,764 |
| Earnings coverage of net charge-offs (x) | 1.9786% | 3,349 |
| Efficiency ratio | 85.9605% | 1,488 |
| Assets per employee ($millions) | 4.3343% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3150% | 614 |
| Loan loss allowance to noncurrent loans | 46.3185% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 6.8041% | 641 |
| Noncurrent loans to loans | 7.1569% | 607 |
| Net loans and leases to total assets | 80.2414% | 383 |
| Net loans and leases to deposits | 87.9341% | 1,175 |
| Net loans and leases to core deposits | 140.0000% | 149 |
| Total domestic deposits to total assets | 91.2517% | 456 |
| Equity capital to assets | 8.0669% | 6,472 |
| Core capital (leverage) ratio | 7.1610% | 6,777 |
| Tier 1 risk-based capital ratio | 9.0887% | 7,016 |
| Total risk-based capital ratio | 10.3650% | 7,020 |
| Memoranda: | ||
| Average total assets | $194,962,500 | 3,169 |
| Average earning assets | $183,631,500 | 3,100 |
| Average equity | $15,712,500 | 3,858 |
| Average total loans | $161,761,500 | 2,458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7875% | 3,870 |
| Cost of funding earning assets | 1.1766% | 2,183 |
| Net interest margin | 3.6109% | 4,687 |
| Noninterest income to average assets | -0.0289% | 7,044 |
| Noninterest expense to average assets | 3.3458% | 2,368 |
| Loan and lease loss provision to assets | 1.7572% | 382 |
| Net operating income to assets | -1.0696% | 6,771 |
| Return on assets (ROA) | -1.0520% | 6,785 |
| Pretax return on assets | -1.6869% | 6,942 |
| Return on Equity (ROE) | -12.6287% | 6,817 |
| Retained earnings to average equity (ytd only) | -12.6287% | 6,789 |
| Net charge-offs to loans | 1.9065% | 754 |
| Credit loss provision to net charge-offs | 115.2607% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.0281% | 5,800 |
| Efficiency ratio | 98.7349% | 711 |
| Assets per employee ($millions) | 4.1464% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2855% | 631 |
| Loan loss allowance to noncurrent loans | 47.5896% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 6.2669% | 761 |
| Noncurrent loans to loans | 6.9038% | 648 |
| Net loans and leases to total assets | 80.2233% | 470 |
| Net loans and leases to deposits | 87.7560% | 1,415 |
| Net loans and leases to core deposits | 151.0634% | 131 |
| Total domestic deposits to total assets | 91.4163% | 359 |
| Equity capital to assets | 8.0516% | 6,536 |
| Core capital (leverage) ratio | 7.0229% | 6,856 |
| Tier 1 risk-based capital ratio | 8.9897% | 7,036 |
| Total risk-based capital ratio | 10.2661% | 7,036 |
| Memoranda: | ||
| Average total assets | $207,601,800 | 2,973 |
| Average earning assets | $196,490,200 | 2,896 |
| Average equity | $17,294,000 | 3,533 |
| Average total loans | $166,011,000 | 2,416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7513% | 4,218 |
| Cost of funding earning assets | 1.1861% | 2,407 |
| Net interest margin | 3.5651% | 4,919 |
| Noninterest income to average assets | 0.0829% | 6,829 |
| Noninterest expense to average assets | 3.1729% | 2,916 |
| Loan and lease loss provision to assets | 0.9558% | 920 |
| Net operating income to assets | -0.4187% | 6,595 |
| Return on assets (ROA) | -0.3928% | 6,627 |
| Pretax return on assets | -0.6288% | 6,694 |
| Return on Equity (ROE) | -4.6792% | 6,663 |
| Retained earnings to average equity (ytd only) | -4.6792% | 6,574 |
| Net charge-offs to loans | 1.5384% | 935 |
| Credit loss provision to net charge-offs | 78.3714% | 4,191 |
| Earnings coverage of net charge-offs (x) | 0.2350% | 5,421 |
| Efficiency ratio | 91.7170% | 1,048 |
| Assets per employee ($millions) | 4.4298% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7312% | 1,094 |
| Loan loss allowance to noncurrent loans | 49.3345% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 5.7393% | 951 |
| Noncurrent loans to loans | 5.5361% | 1,069 |
| Net loans and leases to total assets | 77.0933% | 828 |
| Net loans and leases to deposits | 84.7411% | 1,883 |
| Net loans and leases to core deposits | 144.9465% | 156 |
| Total domestic deposits to total assets | 90.9751% | 439 |
| Equity capital to assets | 8.4880% | 6,307 |
| Core capital (leverage) ratio | 8.1007% | 6,279 |
| Tier 1 risk-based capital ratio | 10.2624% | 6,872 |
| Total risk-based capital ratio | 11.5313% | 6,849 |
| Memoranda: | ||
| Average total assets | $210,782,000 | 2,944 |
| Average earning assets | $199,633,500 | 2,867 |
| Average equity | $17,694,750 | 3,471 |
| Average total loans | $167,101,000 | 2,418 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7123% | 4,483 |
| Cost of funding earning assets | 1.1983% | 2,594 |
| Net interest margin | 3.5140% | 5,094 |
| Noninterest income to average assets | 0.2393% | 5,934 |
| Noninterest expense to average assets | 3.0987% | 3,263 |
| Loan and lease loss provision to assets | 0.7714% | 1,204 |
| Net operating income to assets | -0.1792% | 6,449 |
| Return on assets (ROA) | -0.1408% | 6,448 |
| Pretax return on assets | -0.2243% | 6,476 |
| Return on Equity (ROE) | -1.6828% | 6,482 |
| Retained earnings to average equity (ytd only) | -1.6828% | 6,194 |
| Net charge-offs to loans | 2.2916% | 553 |
| Credit loss provision to net charge-offs | 42.4587% | 4,765 |
| Earnings coverage of net charge-offs (x) | 0.2681% | 5,111 |
| Efficiency ratio | 86.4172% | 1,554 |
| Assets per employee ($millions) | 4.6100% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 1,820 |
| Loan loss allowance to noncurrent loans | 47.0246% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 6.1492% | 904 |
| Noncurrent loans to loans | 4.7896% | 1,375 |
| Net loans and leases to total assets | 79.4645% | 593 |
| Net loans and leases to deposits | 88.2422% | 1,466 |
| Net loans and leases to core deposits | 144.7956% | 161 |
| Total domestic deposits to total assets | 90.0527% | 949 |
| Equity capital to assets | 8.7656% | 5,858 |
| Core capital (leverage) ratio | 8.1835% | 6,060 |
| Tier 1 risk-based capital ratio | 10.4064% | 6,823 |
| Total risk-based capital ratio | 11.6682% | 6,816 |
| Memoranda: | ||
| Average total assets | $213,119,330 | 2,933 |
| Average earning assets | $202,959,000 | 2,832 |
| Average equity | $17,827,670 | 3,448 |
| Average total loans | $168,966,670 | 2,423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5681% | 5,090 |
| Cost of funding earning assets | 1.1917% | 2,874 |
| Net interest margin | 3.3764% | 5,518 |
| Noninterest income to average assets | 0.2676% | 5,756 |
| Noninterest expense to average assets | 2.8718% | 4,179 |
| Loan and lease loss provision to assets | 0.9365% | 843 |
| Net operating income to assets | -0.1869% | 6,546 |
| Return on assets (ROA) | -0.1869% | 6,566 |
| Pretax return on assets | -0.3006% | 6,620 |
| Return on Equity (ROE) | -2.2855% | 6,614 |
| Retained earnings to average equity (ytd only) | -2.2855% | 6,192 |
| Net charge-offs to loans | -0.0281% | 6,687 |
| Credit loss provision to net charge-offs | -4,258.3333% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8704% | 2,247 |
| Assets per employee ($millions) | 5.0219% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1680% | 789 |
| Loan loss allowance to noncurrent loans | 49.9254% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 5.6085% | 1,062 |
| Noncurrent loans to loans | 6.3455% | 965 |
| Net loans and leases to total assets | 75.7409% | 1,063 |
| Net loans and leases to deposits | 83.3278% | 2,133 |
| Net loans and leases to core deposits | 138.5883% | 199 |
| Total domestic deposits to total assets | 90.8952% | 678 |
| Equity capital to assets | 8.2477% | 6,229 |
| Core capital (leverage) ratio | 8.1374% | 6,073 |
| Tier 1 risk-based capital ratio | 10.4118% | 6,857 |
| Total risk-based capital ratio | 11.6857% | 6,831 |
| Memoranda: | ||
| Average total assets | $218,259,500 | 2,900 |
| Average earning assets | $209,453,000 | 2,793 |
| Average equity | $17,851,500 | 3,420 |
| Average total loans | $171,000,500 | 2,424 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 4,900 |
| Cost of funding earning assets | 1.4217% | 3,131 |
| Net interest margin | 3.5040% | 5,236 |
| Noninterest income to average assets | 0.3465% | 5,325 |
| Noninterest expense to average assets | 3.0047% | 3,838 |
| Loan and lease loss provision to assets | 1.3148% | 1,160 |
| Net operating income to assets | -0.3882% | 6,300 |
| Return on assets (ROA) | -0.3775% | 6,317 |
| Pretax return on assets | -0.6051% | 6,399 |
| Return on Equity (ROE) | -4.5379% | 6,393 |
| Retained earnings to average equity (ytd only) | -4.5379% | 6,252 |
| Net charge-offs to loans | 0.7853% | 2,674 |
| Credit loss provision to net charge-offs | 205.2906% | 1,511 |
| Earnings coverage of net charge-offs (x) | 1.0820% | 5,028 |
| Efficiency ratio | 81.2597% | 2,250 |
| Assets per employee ($millions) | 5.1297% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7892% | 1,070 |
| Loan loss allowance to noncurrent loans | 53.6922% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 4.7081% | 1,396 |
| Noncurrent loans to loans | 5.1948% | 1,279 |
| Net loans and leases to total assets | 76.2842% | 1,226 |
| Net loans and leases to deposits | 83.5474% | 2,520 |
| Net loans and leases to core deposits | 142.2820% | 215 |
| Total domestic deposits to total assets | 91.3065% | 458 |
| Equity capital to assets | 8.1118% | 6,370 |
| Core capital (leverage) ratio | 8.2633% | 5,734 |
| Tier 1 risk-based capital ratio | 10.4365% | 6,736 |
| Total risk-based capital ratio | 11.7116% | 6,702 |
| Memoranda: | ||
| Average total assets | $209,539,000 | 2,985 |
| Average earning assets | $200,400,400 | 2,872 |
| Average equity | $17,431,000 | 3,514 |
| Average total loans | $170,887,800 | 2,457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 4,749 |
| Cost of funding earning assets | 1.4859% | 3,061 |
| Net interest margin | 3.5271% | 5,193 |
| Noninterest income to average assets | 0.3031% | 5,725 |
| Noninterest expense to average assets | 2.9809% | 3,816 |
| Loan and lease loss provision to assets | 0.7873% | 1,937 |
| Net operating income to assets | -0.0622% | 6,125 |
| Return on assets (ROA) | -0.0477% | 6,207 |
| Pretax return on assets | -0.0767% | 6,197 |
| Return on Equity (ROE) | -0.5698% | 6,230 |
| Retained earnings to average equity (ytd only) | -0.5698% | 5,934 |
| Net charge-offs to loans | 0.9252% | 2,147 |
| Credit loss provision to net charge-offs | 103.2995% | 4,155 |
| Earnings coverage of net charge-offs (x) | 0.9027% | 5,152 |
| Efficiency ratio | 81.2478% | 2,161 |
| Assets per employee ($millions) | 4.7873% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 2,165 |
| Loan loss allowance to noncurrent loans | 40.8806% | 5,562 |
| Noncurrent assets plus other real estate owned to assets | 4.7320% | 1,395 |
| Noncurrent loans to loans | 4.9483% | 1,412 |
| Net loans and leases to total assets | 81.2682% | 588 |
| Net loans and leases to deposits | 90.4404% | 1,660 |
| Net loans and leases to core deposits | 158.9437% | 154 |
| Total domestic deposits to total assets | 89.8583% | 949 |
| Equity capital to assets | 9.1060% | 5,443 |
| Core capital (leverage) ratio | 8.9410% | 4,776 |
| Tier 1 risk-based capital ratio | 11.1284% | 6,255 |
| Total risk-based capital ratio | 12.3887% | 6,240 |
| Memoranda: | ||
| Average total assets | $206,779,000 | 3,054 |
| Average earning assets | $197,322,750 | 2,957 |
| Average equity | $17,315,500 | 3,588 |
| Average total loans | $170,336,000 | 2,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 4,947 |
| Cost of funding earning assets | 1.5244% | 3,106 |
| Net interest margin | 3.4744% | 5,344 |
| Noninterest income to average assets | 0.3033% | 5,729 |
| Noninterest expense to average assets | 2.9620% | 3,847 |
| Loan and lease loss provision to assets | 0.5544% | 2,557 |
| Net operating income to assets | 0.0605% | 5,970 |
| Return on assets (ROA) | 0.0821% | 6,021 |
| Pretax return on assets | 0.1313% | 5,922 |
| Return on Equity (ROE) | 1.0096% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.0096% | 5,365 |
| Net charge-offs to loans | 0.9260% | 1,984 |
| Credit loss provision to net charge-offs | 72.8426% | 4,897 |
| Earnings coverage of net charge-offs (x) | 0.8566% | 4,915 |
| Efficiency ratio | 81.9615% | 2,174 |
| Assets per employee ($millions) | 4.8655% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 2,446 |
| Loan loss allowance to noncurrent loans | 65.0345% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 2.9701% | 2,402 |
| Noncurrent loans to loans | 2.9028% | 2,754 |
| Net loans and leases to total assets | 79.5161% | 874 |
| Net loans and leases to deposits | 87.2732% | 2,295 |
| Net loans and leases to core deposits | 144.5093% | 241 |
| Total domestic deposits to total assets | 91.1117% | 443 |
| Equity capital to assets | 8.2632% | 6,467 |
| Core capital (leverage) ratio | 8.3089% | 5,751 |
| Tier 1 risk-based capital ratio | 10.2545% | 6,876 |
| Total risk-based capital ratio | 11.5124% | 6,848 |
| Memoranda: | ||
| Average total assets | $207,087,670 | 3,078 |
| Average earning assets | $197,328,330 | 2,986 |
| Average equity | $16,839,000 | 3,662 |
| Average total loans | $170,199,000 | 2,537 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0291% | 4,889 |
| Cost of funding earning assets | 1.5906% | 3,017 |
| Net interest margin | 3.4385% | 5,433 |
| Noninterest income to average assets | 0.3223% | 5,570 |
| Noninterest expense to average assets | 2.9803% | 3,748 |
| Loan and lease loss provision to assets | 0.5902% | 2,147 |
| Net operating income to assets | 0.0128% | 6,255 |
| Return on assets (ROA) | 0.0563% | 6,254 |
| Pretax return on assets | 0.0893% | 6,160 |
| Return on Equity (ROE) | 0.6982% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.6982% | 5,543 |
| Net charge-offs to loans | 0.3003% | 3,214 |
| Credit loss provision to net charge-offs | 237.5000% | 1,613 |
| Earnings coverage of net charge-offs (x) | 2.4609% | 3,312 |
| Efficiency ratio | 82.9730% | 2,146 |
| Assets per employee ($millions) | 4.8806% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0827% | 1,991 |
| Loan loss allowance to noncurrent loans | 56.3294% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 3.4756% | 2,029 |
| Noncurrent loans to loans | 3.6974% | 2,154 |
| Net loans and leases to total assets | 80.4460% | 776 |
| Net loans and leases to deposits | 88.0372% | 2,220 |
| Net loans and leases to core deposits | 164.9887% | 170 |
| Total domestic deposits to total assets | 91.3773% | 413 |
| Equity capital to assets | 8.0428% | 6,606 |
| Core capital (leverage) ratio | 8.1961% | 5,912 |
| Tier 1 risk-based capital ratio | 10.2282% | 6,866 |
| Total risk-based capital ratio | 11.4898% | 6,847 |
| Memoranda: | ||
| Average total assets | $206,022,500 | 3,143 |
| Average earning assets | $195,898,000 | 3,048 |
| Average equity | $16,614,500 | 3,734 |
| Average total loans | $170,517,000 | 2,600 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 4,999 |
| Cost of funding earning assets | 1.9779% | 3,070 |
| Net interest margin | 3.3582% | 5,529 |
| Noninterest income to average assets | 0.8066% | 2,375 |
| Noninterest expense to average assets | 3.8538% | 1,589 |
| Loan and lease loss provision to assets | 1.2716% | 1,818 |
| Net operating income to assets | -1.1872% | 6,702 |
| Return on assets (ROA) | -1.0374% | 6,600 |
| Pretax return on assets | -1.0374% | 6,435 |
| Return on Equity (ROE) | -13.2186% | 6,843 |
| Retained earnings to average equity (ytd only) | -13.2186% | 6,771 |
| Net charge-offs to loans | 0.9957% | 2,419 |
| Credit loss provision to net charge-offs | 149.7701% | 3,107 |
| Earnings coverage of net charge-offs (x) | 0.0994% | 6,057 |
| Efficiency ratio | 97.8565% | 1,220 |
| Assets per employee ($millions) | 4.5950% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0253% | 1,966 |
| Loan loss allowance to noncurrent loans | 52.7006% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 3.6571% | 1,820 |
| Noncurrent loans to loans | 3.8431% | 1,939 |
| Net loans and leases to total assets | 81.7094% | 734 |
| Net loans and leases to deposits | 89.6389% | 2,275 |
| Net loans and leases to core deposits | 175.1837% | 196 |
| Total domestic deposits to total assets | 91.1539% | 476 |
| Equity capital to assets | 8.0869% | 6,481 |
| Core capital (leverage) ratio | 8.2004% | 5,808 |
| Tier 1 risk-based capital ratio | 9.8207% | 7,006 |
| Total risk-based capital ratio | 11.0808% | 6,984 |
| Memoranda: | ||
| Average total assets | $204,938,000 | 3,120 |
| Average earning assets | $191,116,600 | 3,083 |
| Average equity | $16,083,400 | 3,857 |
| Average total loans | $174,749,000 | 2,576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 5,097 |
| Cost of funding earning assets | 2.0745% | 3,013 |
| Net interest margin | 3.2950% | 5,660 |
| Noninterest income to average assets | 0.9305% | 1,857 |
| Noninterest expense to average assets | 3.8548% | 1,507 |
| Loan and lease loss provision to assets | 0.7055% | 2,614 |
| Net operating income to assets | -0.5699% | 6,500 |
| Return on assets (ROA) | -0.3709% | 6,282 |
| Pretax return on assets | -0.3709% | 6,162 |
| Return on Equity (ROE) | -4.7616% | 6,423 |
| Retained earnings to average equity (ytd only) | -4.7616% | 6,222 |
| Net charge-offs to loans | 0.6058% | 2,860 |
| Credit loss provision to net charge-offs | 135.8302% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.2609% | 5,754 |
| Efficiency ratio | 96.6038% | 1,240 |
| Assets per employee ($millions) | 4.3985% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 2,840 |
| Loan loss allowance to noncurrent loans | 46.5299% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 3.3559% | 2,001 |
| Noncurrent loans to loans | 3.5299% | 2,122 |
| Net loans and leases to total assets | 83.9374% | 548 |
| Net loans and leases to deposits | 91.9806% | 2,233 |
| Net loans and leases to core deposits | 181.7290% | 176 |
| Total domestic deposits to total assets | 91.2555% | 322 |
| Equity capital to assets | 7.8722% | 6,969 |
| Core capital (leverage) ratio | 7.7029% | 6,730 |
| Tier 1 risk-based capital ratio | 9.2927% | 7,495 |
| Total risk-based capital ratio | 10.5477% | 7,482 |
| Memoranda: | ||
| Average total assets | $205,627,500 | 3,135 |
| Average earning assets | $190,951,500 | 3,102 |
| Average equity | $16,016,750 | 3,911 |
| Average total loans | $176,282,500 | 2,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 5,113 |
| Cost of funding earning assets | 2.1245% | 3,163 |
| Net interest margin | 3.2829% | 5,614 |
| Noninterest income to average assets | 1.1552% | 1,169 |
| Noninterest expense to average assets | 4.1175% | 1,167 |
| Loan and lease loss provision to assets | 0.9926% | 1,695 |
| Net operating income to assets | -0.9336% | 6,918 |
| Return on assets (ROA) | -0.6366% | 6,696 |
| Pretax return on assets | -0.6366% | 6,555 |
| Return on Equity (ROE) | -8.2013% | 6,904 |
| Retained earnings to average equity (ytd only) | -8.2013% | 6,691 |
| Net charge-offs to loans | 0.8812% | 1,933 |
| Credit loss provision to net charge-offs | 131.2020% | 3,556 |
| Earnings coverage of net charge-offs (x) | 0.0780% | 5,597 |
| Efficiency ratio | 98.5870% | 1,244 |
| Assets per employee ($millions) | 4.1942% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6040% | 2,720 |
| Loan loss allowance to noncurrent loans | 66.3263% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 2.3609% | 2,754 |
| Noncurrent loans to loans | 2.4183% | 2,994 |
| Net loans and leases to total assets | 83.3705% | 731 |
| Net loans and leases to deposits | 92.9563% | 2,281 |
| Net loans and leases to core deposits | 181.8180% | 208 |
| Total domestic deposits to total assets | 89.6878% | 964 |
| Equity capital to assets | 7.4652% | 7,300 |
| Core capital (leverage) ratio | 7.6347% | 6,850 |
| Tier 1 risk-based capital ratio | 8.6138% | 7,829 |
| Total risk-based capital ratio | 9.8672% | 7,863 |
| Memoranda: | ||
| Average total assets | $206,725,670 | 3,144 |
| Average earning assets | $190,261,000 | 3,135 |
| Average equity | $16,046,330 | 3,914 |
| Average total loans | $177,487,000 | 2,611 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4547% | 5,154 |
| Cost of funding earning assets | 2.2401% | 2,961 |
| Net interest margin | 3.2146% | 5,818 |
| Noninterest income to average assets | 1.4026% | 718 |
| Noninterest expense to average assets | 4.1615% | 988 |
| Loan and lease loss provision to assets | 0.0965% | 5,728 |
| Net operating income to assets | 0.0405% | 6,159 |
| Return on assets (ROA) | 0.1640% | 5,942 |
| Pretax return on assets | 0.1640% | 6,019 |
| Return on Equity (ROE) | 2.0734% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.0734% | 4,709 |
| Net charge-offs to loans | 0.0536% | 4,720 |
| Credit loss provision to net charge-offs | 208.3333% | 2,147 |
| Earnings coverage of net charge-offs (x) | 2.9583% | 3,323 |
| Efficiency ratio | 96.8133% | 1,275 |
| Assets per employee ($millions) | 3.1594% | 5,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 3,272 |
| Loan loss allowance to noncurrent loans | 78.2199% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 2,997 |
| Noncurrent loans to loans | 1.8438% | 3,498 |
| Net loans and leases to total assets | 84.3886% | 632 |
| Net loans and leases to deposits | 95.0079% | 2,108 |
| Net loans and leases to core deposits | 169.6977% | 352 |
| Total domestic deposits to total assets | 88.8227% | 1,322 |
| Equity capital to assets | 7.9541% | 6,878 |
| Core capital (leverage) ratio | 8.0347% | 6,400 |
| Tier 1 risk-based capital ratio | 9.2171% | 7,661 |
| Total risk-based capital ratio | 10.4664% | 7,651 |
| Memoranda: | ||
| Average total assets | $207,331,500 | 3,150 |
| Average earning assets | $186,774,500 | 3,199 |
| Average equity | $16,398,500 | 3,864 |
| Average total loans | $179,165,000 | 2,605 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3468% | 3,709 |
| Cost of funding earning assets | 2.9039% | 2,253 |
| Net interest margin | 3.4429% | 5,495 |
| Noninterest income to average assets | 1.8898% | 381 |
| Noninterest expense to average assets | 5.0209% | 614 |
| Loan and lease loss provision to assets | 0.7450% | 1,997 |
| Net operating income to assets | -0.6870% | 7,058 |
| Return on assets (ROA) | -0.6870% | 6,962 |
| Pretax return on assets | -0.6870% | 6,800 |
| Return on Equity (ROE) | -8.0487% | 7,129 |
| Retained earnings to average equity (ytd only) | -8.0487% | 6,891 |
| Net charge-offs to loans | 0.2890% | 3,478 |
| Credit loss provision to net charge-offs | 286.2550% | 1,585 |
| Earnings coverage of net charge-offs (x) | 0.2231% | 6,101 |
| Efficiency ratio | 98.8567% | 1,026 |
| Assets per employee ($millions) | 2.9034% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,099 |
| Loan loss allowance to noncurrent loans | 219.9310% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9241% | 4,525 |
| Noncurrent loans to loans | 0.6447% | 5,435 |
| Net loans and leases to total assets | 85.9786% | 606 |
| Net loans and leases to deposits | 99.4775% | 1,909 |
| Net loans and leases to core deposits | 171.0379% | 385 |
| Total domestic deposits to total assets | 86.4302% | 2,202 |
| Equity capital to assets | 7.8640% | 7,025 |
| Core capital (leverage) ratio | 7.8848% | 6,676 |
| Tier 1 risk-based capital ratio | 8.9815% | 7,794 |
| Total risk-based capital ratio | 10.2339% | 7,790 |
| Memoranda: | ||
| Average total assets | $192,875,400 | 3,230 |
| Average earning assets | $178,657,000 | 3,197 |
| Average equity | $16,462,200 | 3,832 |
| Average total loans | $173,708,200 | 2,573 |