Home > Americas United Bank > Performance and Condition Ratios
Americas United Bank, Performance and Condition Ratios
| 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 | 4.2379% | 2,984 |
| Cost of funding earning assets | 0.7358% | 1,441 |
| Net interest margin | 3.5021% | 3,619 |
| Noninterest income to average assets | 0.1700% | 4,976 |
| Noninterest expense to average assets | 2.6176% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7552% | 4,015 |
| Return on assets (ROA) | 0.7552% | 4,015 |
| Pretax return on assets | 0.9537% | 3,792 |
| Return on Equity (ROE) | 5.9158% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.9158% | 2,602 |
| Net charge-offs to loans | -0.0029% | 4,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6921% | 1,888 |
| Assets per employee ($millions) | 10.4963% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1214% | 3,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 84.5426% | 401 |
| Net loans and leases to deposits | 97.7591% | 983 |
| Net loans and leases to core deposits | 111.4528% | 911 |
| Total domestic deposits to total assets | 86.4805% | 2,064 |
| Equity capital to assets | 13.0250% | 1,282 |
| Core capital (leverage) ratio | 12.7345% | 1,334 |
| Tier 1 risk-based capital ratio | 14.6338% | 3,051 |
| Total risk-based capital ratio | 15.7543% | 3,031 |
| Memoranda: | ||
| Average total assets | $231,738,000 | 2,623 |
| Average earning assets | $225,066,000 | 2,551 |
| Average equity | $29,582,000 | 2,378 |
| Average total loans | $203,805,330 | 2,153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 2,777 |
| Cost of funding earning assets | 0.6783% | 1,553 |
| Net interest margin | 3.5543% | 3,328 |
| Noninterest income to average assets | 0.1447% | 5,145 |
| Noninterest expense to average assets | 2.7034% | 3,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8133% | 3,654 |
| Return on assets (ROA) | 0.8133% | 3,663 |
| Pretax return on assets | 0.8994% | 3,853 |
| Return on Equity (ROE) | 6.4361% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.4361% | 2,536 |
| Net charge-offs to loans | -0.0058% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4620% | 1,830 |
| Assets per employee ($millions) | 9.5444% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 3,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 87.6699% | 151 |
| Net loans and leases to deposits | 101.2085% | 629 |
| Net loans and leases to core deposits | 115.1028% | 756 |
| Total domestic deposits to total assets | 86.6230% | 2,268 |
| Equity capital to assets | 12.9535% | 1,271 |
| Core capital (leverage) ratio | 12.6129% | 1,341 |
| Tier 1 risk-based capital ratio | 14.0667% | 3,346 |
| Total risk-based capital ratio | 15.1608% | 3,340 |
| Memoranda: | ||
| Average total assets | $232,148,000 | 2,647 |
| Average earning assets | $225,867,000 | 2,562 |
| Average equity | $29,334,500 | 2,414 |
| Average total loans | $206,989,000 | 2,140 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 2,955 |
| Cost of funding earning assets | 0.5808% | 1,735 |
| Net interest margin | 3.5482% | 3,349 |
| Noninterest income to average assets | 0.1953% | 4,973 |
| Noninterest expense to average assets | 2.4212% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7547% | 3,371 |
| Return on assets (ROA) | 0.7547% | 3,410 |
| Pretax return on assets | 1.2170% | 2,704 |
| Return on Equity (ROE) | 6.3689% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.3689% | 1,343 |
| Net charge-offs to loans | 0.1276% | 1,771 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.2627% | 2,586 |
| Efficiency ratio | 65.9795% | 3,272 |
| Assets per employee ($millions) | 9.4092% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 88.7349% | 108 |
| Net loans and leases to deposits | 101.7351% | 618 |
| Net loans and leases to core deposits | 114.7958% | 764 |
| Total domestic deposits to total assets | 87.2215% | 1,891 |
| Equity capital to assets | 12.3270% | 1,627 |
| Core capital (leverage) ratio | 12.0328% | 1,587 |
| Tier 1 risk-based capital ratio | 13.1520% | 3,817 |
| Total risk-based capital ratio | 14.1981% | 3,839 |
| Memoranda: | ||
| Average total assets | $235,999,400 | 2,600 |
| Average earning assets | $228,987,000 | 2,504 |
| Average equity | $27,964,000 | 2,491 |
| Average total loans | $199,805,800 | 2,161 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 3,128 |
| Cost of funding earning assets | 0.5533% | 1,869 |
| Net interest margin | 3.5086% | 3,477 |
| Noninterest income to average assets | 0.2032% | 4,995 |
| Noninterest expense to average assets | 2.4172% | 3,974 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6926% | 4,015 |
| Return on assets (ROA) | 0.6926% | 4,087 |
| Pretax return on assets | 1.1900% | 2,944 |
| Return on Equity (ROE) | 5.9048% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.9048% | 2,306 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4319% | 3,137 |
| Assets per employee ($millions) | 8.8027% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,651 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 82.0926% | 674 |
| Net loans and leases to deposits | 95.5616% | 1,149 |
| Net loans and leases to core deposits | 108.0301% | 1,138 |
| Total domestic deposits to total assets | 85.9054% | 2,343 |
| Equity capital to assets | 11.9526% | 1,994 |
| Core capital (leverage) ratio | 11.9074% | 1,751 |
| Tier 1 risk-based capital ratio | 13.6435% | 3,615 |
| Total risk-based capital ratio | 14.8839% | 3,548 |
| Memoranda: | ||
| Average total assets | $236,191,500 | 2,617 |
| Average earning assets | $229,147,250 | 2,528 |
| Average equity | $27,705,750 | 2,522 |
| Average total loans | $197,021,500 | 2,189 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0165% | 3,155 |
| Cost of funding earning assets | 0.5305% | 1,909 |
| Net interest margin | 3.4860% | 3,459 |
| Noninterest income to average assets | 0.1977% | 5,054 |
| Noninterest expense to average assets | 2.4693% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6407% | 4,126 |
| Return on assets (ROA) | 0.6407% | 4,171 |
| Pretax return on assets | 1.1074% | 3,146 |
| Return on Equity (ROE) | 5.4966% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.4966% | 2,409 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4460% | 2,932 |
| Assets per employee ($millions) | 8.9234% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,692 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 80.9088% | 820 |
| Net loans and leases to deposits | 93.6593% | 1,296 |
| Net loans and leases to core deposits | 105.3788% | 1,275 |
| Total domestic deposits to total assets | 86.3863% | 2,201 |
| Equity capital to assets | 11.5891% | 2,240 |
| Core capital (leverage) ratio | 11.4759% | 1,984 |
| Tier 1 risk-based capital ratio | 13.3615% | 3,769 |
| Total risk-based capital ratio | 14.6121% | 3,688 |
| Memoranda: | ||
| Average total assets | $235,697,670 | 2,634 |
| Average earning assets | $228,459,000 | 2,542 |
| Average equity | $27,471,670 | 2,535 |
| Average total loans | $196,836,000 | 2,197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 3,503 |
| Cost of funding earning assets | 0.5079% | 2,018 |
| Net interest margin | 3.3632% | 3,790 |
| Noninterest income to average assets | 0.2094% | 5,011 |
| Noninterest expense to average assets | 2.4867% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5732% | 4,267 |
| Return on assets (ROA) | 0.5732% | 4,312 |
| Pretax return on assets | 0.9731% | 3,486 |
| Return on Equity (ROE) | 4.9034% | 4,429 |
| Retained earnings to average equity (ytd only) | 4.9034% | 2,944 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2798% | 2,689 |
| Assets per employee ($millions) | 8.6479% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 86.1709% | 210 |
| Net loans and leases to deposits | 99.9344% | 622 |
| Net loans and leases to core deposits | 109.3405% | 910 |
| Total domestic deposits to total assets | 86.2274% | 2,564 |
| Equity capital to assets | 11.7541% | 1,994 |
| Core capital (leverage) ratio | 11.4922% | 1,955 |
| Tier 1 risk-based capital ratio | 12.5319% | 4,371 |
| Total risk-based capital ratio | 13.7411% | 4,298 |
| Memoranda: | ||
| Average total assets | $233,080,000 | 2,680 |
| Average earning assets | $225,260,000 | 2,598 |
| Average equity | $27,246,500 | 2,566 |
| Average total loans | $196,553,000 | 2,215 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8965% | 3,583 |
| Cost of funding earning assets | 0.4695% | 2,357 |
| Net interest margin | 3.4270% | 3,721 |
| Noninterest income to average assets | 0.2609% | 4,864 |
| Noninterest expense to average assets | 2.6939% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5101% | 4,590 |
| Return on assets (ROA) | 0.5101% | 4,667 |
| Pretax return on assets | 0.8718% | 3,939 |
| Return on Equity (ROE) | 4.2950% | 4,736 |
| Retained earnings to average equity (ytd only) | 4.2950% | 2,845 |
| Net charge-offs to loans | -0.0082% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9340% | 2,146 |
| Assets per employee ($millions) | 8.0230% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 2,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.3599% | 839 |
| Net loans and leases to deposits | 93.0885% | 1,288 |
| Net loans and leases to core deposits | 102.0450% | 1,445 |
| Total domestic deposits to total assets | 86.3264% | 2,444 |
| Equity capital to assets | 11.6252% | 2,064 |
| Core capital (leverage) ratio | 11.4975% | 1,926 |
| Tier 1 risk-based capital ratio | 13.2103% | 3,945 |
| Total risk-based capital ratio | 14.4638% | 3,864 |
| Memoranda: | ||
| Average total assets | $223,099,000 | 2,732 |
| Average earning assets | $215,142,000 | 2,649 |
| Average equity | $26,495,800 | 2,600 |
| Average total loans | $182,810,400 | 2,284 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 3,762 |
| Cost of funding earning assets | 0.4623% | 2,441 |
| Net interest margin | 3.3893% | 3,892 |
| Noninterest income to average assets | 0.2731% | 4,820 |
| Noninterest expense to average assets | 2.7203% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4797% | 4,767 |
| Return on assets (ROA) | 0.4797% | 4,854 |
| Pretax return on assets | 0.8216% | 4,243 |
| Return on Equity (ROE) | 4.0164% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.0164% | 3,444 |
| Net charge-offs to loans | -0.0110% | 4,801 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1726% | 1,953 |
| Assets per employee ($millions) | 7.5776% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 83.3315% | 475 |
| Net loans and leases to deposits | 96.9423% | 960 |
| Net loans and leases to core deposits | 106.5031% | 1,148 |
| Total domestic deposits to total assets | 85.9599% | 2,381 |
| Equity capital to assets | 11.8055% | 2,251 |
| Core capital (leverage) ratio | 11.2561% | 2,229 |
| Tier 1 risk-based capital ratio | 12.7419% | 4,316 |
| Total risk-based capital ratio | 13.9952% | 4,225 |
| Memoranda: | ||
| Average total assets | $220,707,000 | 2,759 |
| Average earning assets | $212,857,750 | 2,682 |
| Average equity | $26,357,750 | 2,629 |
| Average total loans | $181,153,750 | 2,302 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 4,016 |
| Cost of funding earning assets | 0.4462% | 2,605 |
| Net interest margin | 3.3360% | 4,101 |
| Noninterest income to average assets | 0.2929% | 4,689 |
| Noninterest expense to average assets | 2.8055% | 3,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4082% | 5,013 |
| Return on assets (ROA) | 0.4082% | 5,097 |
| Pretax return on assets | 0.7039% | 4,608 |
| Return on Equity (ROE) | 3.4048% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.4048% | 3,723 |
| Net charge-offs to loans | -0.0034% | 4,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2906% | 1,592 |
| Assets per employee ($millions) | 8.5657% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3193% | 2,678 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 82.4209% | 582 |
| Net loans and leases to deposits | 95.8773% | 1,092 |
| Net loans and leases to core deposits | 105.5416% | 1,216 |
| Total domestic deposits to total assets | 85.9650% | 2,438 |
| Equity capital to assets | 11.8887% | 2,207 |
| Core capital (leverage) ratio | 11.0337% | 2,400 |
| Tier 1 risk-based capital ratio | 12.7886% | 4,320 |
| Total risk-based capital ratio | 14.0430% | 4,229 |
| Memoranda: | ||
| Average total assets | $218,500,330 | 2,783 |
| Average earning assets | $210,668,670 | 2,707 |
| Average equity | $26,198,000 | 2,650 |
| Average total loans | $177,571,330 | 2,338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 3,997 |
| Cost of funding earning assets | 0.4046% | 3,019 |
| Net interest margin | 3.3803% | 3,937 |
| Noninterest income to average assets | 0.3050% | 4,543 |
| Noninterest expense to average assets | 2.8928% | 2,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3900% | 5,024 |
| Return on assets (ROA) | 0.3900% | 5,100 |
| Pretax return on assets | 0.6710% | 4,618 |
| Return on Equity (ROE) | 3.2389% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.2389% | 3,877 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5498% | 1,538 |
| Assets per employee ($millions) | 7.3408% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 80.4793% | 750 |
| Net loans and leases to deposits | 94.1709% | 1,131 |
| Net loans and leases to core deposits | 103.6700% | 1,208 |
| Total domestic deposits to total assets | 85.4610% | 2,930 |
| Equity capital to assets | 12.3073% | 1,826 |
| Core capital (leverage) ratio | 11.3639% | 2,080 |
| Tier 1 risk-based capital ratio | 13.4321% | 4,021 |
| Total risk-based capital ratio | 14.6883% | 3,943 |
| Memoranda: | ||
| Average total assets | $216,396,500 | 2,817 |
| Average earning assets | $208,617,500 | 2,735 |
| Average equity | $26,058,500 | 2,653 |
| Average total loans | $173,351,000 | 2,375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 5,086 |
| Cost of funding earning assets | 0.3610% | 3,572 |
| Net interest margin | 3.0734% | 4,968 |
| Noninterest income to average assets | 0.2889% | 4,821 |
| Noninterest expense to average assets | 2.7445% | 3,428 |
| Loan and lease loss provision to assets | -0.8726% | 6,168 |
| Net operating income to assets | 0.8013% | 3,332 |
| Return on assets (ROA) | 0.8078% | 3,386 |
| Pretax return on assets | 1.3787% | 1,984 |
| Return on Equity (ROE) | 5.9319% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.9319% | 1,833 |
| Net charge-offs to loans | -1.7416% | 6,138 |
| Credit loss provision to net charge-offs | 73.0408% | 3,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1836% | 1,164 |
| Assets per employee ($millions) | 7.8540% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4174% | 2,339 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.5195% | 1,189 |
| Net loans and leases to deposits | 90.0749% | 1,602 |
| Net loans and leases to core deposits | 98.4704% | 1,636 |
| Total domestic deposits to total assets | 86.0612% | 2,611 |
| Equity capital to assets | 11.7852% | 2,122 |
| Core capital (leverage) ratio | 11.1209% | 2,292 |
| Tier 1 risk-based capital ratio | 13.5007% | 4,007 |
| Total risk-based capital ratio | 14.7607% | 3,938 |
| Memoranda: | ||
| Average total assets | $186,918,200 | 3,096 |
| Average earning assets | $179,506,400 | 3,004 |
| Average equity | $25,455,400 | 2,655 |
| Average total loans | $128,216,200 | 2,915 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 5,258 |
| Cost of funding earning assets | 0.3556% | 3,689 |
| Net interest margin | 3.0196% | 5,151 |
| Noninterest income to average assets | 0.2701% | 5,002 |
| Noninterest expense to average assets | 2.6491% | 3,722 |
| Loan and lease loss provision to assets | -1.2171% | 6,262 |
| Net operating income to assets | 1.0104% | 2,423 |
| Return on assets (ROA) | 1.0104% | 2,518 |
| Pretax return on assets | 1.7343% | 1,021 |
| Return on Equity (ROE) | 7.1243% | 3,556 |
| Retained earnings to average equity (ytd only) | 7.1243% | 1,632 |
| Net charge-offs to loans | -1.8592% | 6,222 |
| Credit loss provision to net charge-offs | 99.9387% | 2,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2194% | 1,238 |
| Assets per employee ($millions) | 7.5515% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 64.9012% | 3,173 |
| Net loans and leases to deposits | 75.4608% | 3,376 |
| Net loans and leases to core deposits | 82.5099% | 3,197 |
| Total domestic deposits to total assets | 86.0064% | 2,517 |
| Equity capital to assets | 11.7944% | 2,269 |
| Core capital (leverage) ratio | 13.7265% | 935 |
| Tier 1 risk-based capital ratio | 15.8034% | 2,896 |
| Total risk-based capital ratio | 17.0632% | 2,823 |
| Memoranda: | ||
| Average total assets | $178,670,000 | 3,213 |
| Average earning assets | $171,366,250 | 3,128 |
| Average equity | $25,340,000 | 2,688 |
| Average total loans | $117,039,000 | 3,118 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6612% | 4,538 |
| Cost of funding earning assets | 0.3809% | 3,477 |
| Net interest margin | 3.2803% | 4,372 |
| Noninterest income to average assets | 0.2312% | 5,308 |
| Noninterest expense to average assets | 2.7646% | 3,367 |
| Loan and lease loss provision to assets | -1.9742% | 6,342 |
| Net operating income to assets | 1.5082% | 884 |
| Return on assets (ROA) | 1.5082% | 926 |
| Pretax return on assets | 2.5782% | 224 |
| Return on Equity (ROE) | 9.8979% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.8979% | 686 |
| Net charge-offs to loans | -3.0206% | 6,299 |
| Credit loss provision to net charge-offs | 99.9387% | 2,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6385% | 1,537 |
| Assets per employee ($millions) | 8.4664% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7590% | 1,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 61.0525% | 3,686 |
| Net loans and leases to deposits | 74.3841% | 3,447 |
| Net loans and leases to core deposits | 83.7090% | 3,007 |
| Total domestic deposits to total assets | 82.0774% | 4,273 |
| Equity capital to assets | 15.1558% | 674 |
| Core capital (leverage) ratio | 14.5263% | 708 |
| Tier 1 risk-based capital ratio | 21.3573% | 1,302 |
| Total risk-based capital ratio | 22.6266% | 1,280 |
| Memoranda: | ||
| Average total assets | $165,229,000 | 3,418 |
| Average earning assets | $158,034,000 | 3,333 |
| Average equity | $25,177,000 | 2,708 |
| Average total loans | $108,058,670 | 3,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6466% | 4,542 |
| Cost of funding earning assets | 0.3829% | 3,497 |
| Net interest margin | 3.2637% | 4,370 |
| Noninterest income to average assets | 0.1887% | 5,577 |
| Noninterest expense to average assets | 2.8631% | 3,024 |
| Loan and lease loss provision to assets | -3.9981% | 6,418 |
| Net operating income to assets | 2.5935% | 131 |
| Return on assets (ROA) | 2.5935% | 141 |
| Pretax return on assets | 4.4368% | 74 |
| Return on Equity (ROE) | 16.9728% | 475 |
| Retained earnings to average equity (ytd only) | 16.9728% | 181 |
| Net charge-offs to loans | -5.9631% | 6,374 |
| Credit loss provision to net charge-offs | 99.9387% | 1,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2658% | 1,158 |
| Assets per employee ($millions) | 8.2633% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 64.5705% | 3,014 |
| Net loans and leases to deposits | 78.9338% | 2,691 |
| Net loans and leases to core deposits | 90.0494% | 2,125 |
| Total domestic deposits to total assets | 81.8033% | 4,566 |
| Equity capital to assets | 15.4291% | 639 |
| Core capital (leverage) ratio | 14.5014% | 693 |
| Tier 1 risk-based capital ratio | 20.3986% | 1,542 |
| Total risk-based capital ratio | 21.6537% | 1,513 |
| Memoranda: | ||
| Average total assets | $163,179,500 | 3,467 |
| Average earning assets | $155,651,500 | 3,385 |
| Average equity | $24,934,000 | 2,756 |
| Average total loans | $109,473,000 | 3,266 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5827% | 5,126 |
| Cost of funding earning assets | 0.3705% | 4,037 |
| Net interest margin | 3.2122% | 4,882 |
| Noninterest income to average assets | 0.3523% | 4,586 |
| Noninterest expense to average assets | 2.6946% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4059% | 5,202 |
| Return on assets (ROA) | 0.4059% | 5,265 |
| Pretax return on assets | 0.7184% | 4,561 |
| Return on Equity (ROE) | 2.5987% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.5987% | 4,393 |
| Net charge-offs to loans | -0.0781% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9504% | 2,069 |
| Assets per employee ($millions) | 8.4786% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 1,839 |
| Loan loss allowance to noncurrent loans | 46,250.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,086 |
| Noncurrent loans to loans | 0.0036% | 5,912 |
| Net loans and leases to total assets | 67.3729% | 2,671 |
| Net loans and leases to deposits | 82.0876% | 2,459 |
| Net loans and leases to core deposits | 94.2618% | 1,895 |
| Total domestic deposits to total assets | 82.0743% | 4,393 |
| Equity capital to assets | 15.1273% | 685 |
| Core capital (leverage) ratio | 13.7491% | 880 |
| Tier 1 risk-based capital ratio | 18.9090% | 1,876 |
| Total risk-based capital ratio | 20.1646% | 1,834 |
| Memoranda: | ||
| Average total assets | $152,975,000 | 3,583 |
| Average earning assets | $145,756,200 | 3,510 |
| Average equity | $23,896,800 | 2,767 |
| Average total loans | $98,558,400 | 3,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5145% | 5,361 |
| Cost of funding earning assets | 0.3705% | 4,124 |
| Net interest margin | 3.1441% | 5,134 |
| Noninterest income to average assets | 0.3056% | 4,998 |
| Noninterest expense to average assets | 2.6393% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3842% | 5,305 |
| Return on assets (ROA) | 0.3842% | 5,382 |
| Pretax return on assets | 0.6572% | 4,853 |
| Return on Equity (ROE) | 2.4391% | 5,725 |
| Retained earnings to average equity (ytd only) | 2.4391% | 4,838 |
| Net charge-offs to loans | -0.0460% | 5,873 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0643% | 1,906 |
| Assets per employee ($millions) | 7.9844% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6768% | 2,047 |
| Loan loss allowance to noncurrent loans | 25,814.2857% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,188 |
| Noncurrent loans to loans | 0.0065% | 6,018 |
| Net loans and leases to total assets | 66.3519% | 2,796 |
| Net loans and leases to deposits | 81.0638% | 2,541 |
| Net loans and leases to core deposits | 92.9879% | 1,955 |
| Total domestic deposits to total assets | 81.8515% | 4,531 |
| Equity capital to assets | 15.0688% | 722 |
| Core capital (leverage) ratio | 13.1119% | 1,134 |
| Tier 1 risk-based capital ratio | 18.4758% | 2,061 |
| Total risk-based capital ratio | 19.7307% | 2,019 |
| Memoranda: | ||
| Average total assets | $150,945,500 | 3,643 |
| Average earning assets | $143,590,250 | 3,580 |
| Average equity | $23,778,750 | 2,782 |
| Average total loans | $95,602,250 | 3,544 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 5,500 |
| Cost of funding earning assets | 0.3610% | 4,311 |
| Net interest margin | 3.0952% | 5,266 |
| Noninterest income to average assets | 0.2608% | 5,330 |
| Noninterest expense to average assets | 2.7386% | 3,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2729% | 5,655 |
| Return on assets (ROA) | 0.2729% | 5,729 |
| Pretax return on assets | 0.4648% | 5,378 |
| Return on Equity (ROE) | 1.7058% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.7058% | 5,049 |
| Net charge-offs to loans | 0.0546% | 3,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.7600% | 1,952 |
| Efficiency ratio | 85.4914% | 1,322 |
| Assets per employee ($millions) | 8.1388% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 1,812 |
| Loan loss allowance to noncurrent loans | 19,422.2222% | 41 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,247 |
| Noncurrent loans to loans | 0.0093% | 6,065 |
| Net loans and leases to total assets | 58.1105% | 3,977 |
| Net loans and leases to deposits | 70.4670% | 3,760 |
| Net loans and leases to core deposits | 80.7268% | 3,125 |
| Total domestic deposits to total assets | 82.4649% | 4,484 |
| Equity capital to assets | 14.6428% | 785 |
| Core capital (leverage) ratio | 12.8565% | 1,218 |
| Tier 1 risk-based capital ratio | 20.4303% | 1,582 |
| Total risk-based capital ratio | 21.6879% | 1,550 |
| Memoranda: | ||
| Average total assets | $148,031,330 | 3,711 |
| Average earning assets | $140,732,330 | 3,636 |
| Average equity | $23,684,000 | 2,781 |
| Average total loans | $91,548,670 | 3,653 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4648% | 5,513 |
| Cost of funding earning assets | 0.3177% | 4,892 |
| Net interest margin | 3.1471% | 5,099 |
| Noninterest income to average assets | 0.3413% | 4,650 |
| Noninterest expense to average assets | 2.7897% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3157% | 5,437 |
| Return on assets (ROA) | 0.3157% | 5,486 |
| Pretax return on assets | 0.5375% | 5,054 |
| Return on Equity (ROE) | 1.8807% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.8807% | 4,838 |
| Net charge-offs to loans | 0.3051% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.7794% | 2,799 |
| Efficiency ratio | 83.8462% | 1,690 |
| Assets per employee ($millions) | 8.0903% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8822% | 1,807 |
| Loan loss allowance to noncurrent loans | 3,788.8889% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 6,215 |
| Noncurrent loans to loans | 0.0497% | 6,000 |
| Net loans and leases to total assets | 54.9316% | 4,290 |
| Net loans and leases to deposits | 66.5319% | 4,019 |
| Net loans and leases to core deposits | 76.2680% | 3,383 |
| Total domestic deposits to total assets | 82.5642% | 4,766 |
| Equity capital to assets | 14.6330% | 755 |
| Core capital (leverage) ratio | 17.4348% | 331 |
| Tier 1 risk-based capital ratio | 22.3911% | 1,232 |
| Total risk-based capital ratio | 23.6506% | 1,208 |
| Memoranda: | ||
| Average total assets | $140,659,000 | 3,869 |
| Average earning assets | $133,456,500 | 3,774 |
| Average equity | $23,608,500 | 2,785 |
| Average total loans | $89,154,000 | 3,717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8616% | 4,603 |
| Cost of funding earning assets | 0.4041% | 4,602 |
| Net interest margin | 3.4575% | 4,064 |
| Noninterest income to average assets | 0.4059% | 4,401 |
| Noninterest expense to average assets | 3.1670% | 2,526 |
| Loan and lease loss provision to assets | -0.2558% | 6,645 |
| Net operating income to assets | 3.3546% | 86 |
| Return on assets (ROA) | 3.3546% | 85 |
| Pretax return on assets | 0.7998% | 4,141 |
| Return on Equity (ROE) | 19.1153% | 327 |
| Retained earnings to average equity (ytd only) | 19.1153% | 91 |
| Net charge-offs to loans | -0.2355% | 6,642 |
| Credit loss provision to net charge-offs | 159.5745% | 1,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3401% | 1,483 |
| Assets per employee ($millions) | 7.0302% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0212% | 1,504 |
| Loan loss allowance to noncurrent loans | 11,820.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 6,380 |
| Noncurrent loans to loans | 0.0171% | 6,220 |
| Net loans and leases to total assets | 71.9152% | 1,695 |
| Net loans and leases to deposits | 94.0288% | 877 |
| Net loans and leases to core deposits | 113.2832% | 488 |
| Total domestic deposits to total assets | 76.4821% | 6,048 |
| Equity capital to assets | 19.6966% | 228 |
| Core capital (leverage) ratio | 17.6287% | 321 |
| Tier 1 risk-based capital ratio | 23.1206% | 1,077 |
| Total risk-based capital ratio | 24.3812% | 1,055 |
| Memoranda: | ||
| Average total assets | $117,272,200 | 4,334 |
| Average earning assets | $112,103,400 | 4,220 |
| Average equity | $20,580,400 | 3,094 |
| Average total loans | $79,836,200 | 3,942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 4,998 |
| Cost of funding earning assets | 0.4056% | 4,778 |
| Net interest margin | 3.3551% | 4,445 |
| Noninterest income to average assets | 0.3724% | 4,732 |
| Noninterest expense to average assets | 3.1244% | 2,581 |
| Loan and lease loss provision to assets | -0.3427% | 6,789 |
| Net operating income to assets | 0.8122% | 3,284 |
| Return on assets (ROA) | 0.8122% | 3,417 |
| Pretax return on assets | 0.8134% | 4,249 |
| Return on Equity (ROE) | 4.7780% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.7780% | 3,252 |
| Net charge-offs to loans | -0.2243% | 6,669 |
| Credit loss provision to net charge-offs | 229.0076% | 1,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9082% | 1,271 |
| Assets per employee ($millions) | 6.7091% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 1,755 |
| Loan loss allowance to noncurrent loans | 9,533.3333% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 5,311 |
| Noncurrent loans to loans | 0.0208% | 6,290 |
| Net loans and leases to total assets | 70.1227% | 1,942 |
| Net loans and leases to deposits | 88.4335% | 1,319 |
| Net loans and leases to core deposits | 105.8802% | 765 |
| Total domestic deposits to total assets | 79.2943% | 5,678 |
| Equity capital to assets | 16.8014% | 435 |
| Core capital (leverage) ratio | 17.2308% | 368 |
| Tier 1 risk-based capital ratio | 22.8345% | 1,173 |
| Total risk-based capital ratio | 24.0951% | 1,153 |
| Memoranda: | ||
| Average total assets | $116,712,000 | 4,389 |
| Average earning assets | $112,105,750 | 4,259 |
| Average equity | $19,840,500 | 3,207 |
| Average total loans | $77,865,000 | 4,038 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7012% | 5,138 |
| Cost of funding earning assets | 0.4108% | 4,853 |
| Net interest margin | 3.2903% | 4,623 |
| Noninterest income to average assets | 0.2583% | 5,607 |
| Noninterest expense to average assets | 3.1674% | 2,452 |
| Loan and lease loss provision to assets | -0.5201% | 6,875 |
| Net operating income to assets | 0.7888% | 3,357 |
| Return on assets (ROA) | 0.7888% | 3,517 |
| Pretax return on assets | 0.7906% | 4,348 |
| Return on Equity (ROE) | 4.6215% | 4,939 |
| Retained earnings to average equity (ytd only) | 4.6215% | 3,320 |
| Net charge-offs to loans | -0.2319% | 6,704 |
| Credit loss provision to net charge-offs | 344.8276% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1331% | 888 |
| Assets per employee ($millions) | 6.2993% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1238% | 1,576 |
| Loan loss allowance to noncurrent loans | 584.6154% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 5,772 |
| Noncurrent loans to loans | 0.3633% | 5,366 |
| Net loans and leases to total assets | 64.3818% | 2,855 |
| Net loans and leases to deposits | 80.9361% | 2,188 |
| Net loans and leases to core deposits | 94.5426% | 1,474 |
| Total domestic deposits to total assets | 79.5465% | 5,706 |
| Equity capital to assets | 16.7104% | 443 |
| Core capital (leverage) ratio | 17.1130% | 363 |
| Tier 1 risk-based capital ratio | 25.2386% | 851 |
| Total risk-based capital ratio | 26.5013% | 828 |
| Memoranda: | ||
| Average total assets | $115,361,330 | 4,454 |
| Average earning assets | $111,477,670 | 4,302 |
| Average equity | $19,690,670 | 3,237 |
| Average total loans | $75,020,330 | 4,136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7584% | 4,966 |
| Cost of funding earning assets | 0.4103% | 5,008 |
| Net interest margin | 3.3482% | 4,325 |
| Noninterest income to average assets | 0.2120% | 5,965 |
| Noninterest expense to average assets | 3.2438% | 2,217 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1979% | 5,902 |
| Return on assets (ROA) | 0.1979% | 6,011 |
| Pretax return on assets | 0.1979% | 6,084 |
| Return on Equity (ROE) | 1.1466% | 6,184 |
| Retained earnings to average equity (ytd only) | 1.1466% | 5,388 |
| Net charge-offs to loans | -0.4210% | 6,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2505% | 817 |
| Assets per employee ($millions) | 6.2100% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6568% | 965 |
| Loan loss allowance to noncurrent loans | 488.0597% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 5,510 |
| Noncurrent loans to loans | 0.5444% | 5,083 |
| Net loans and leases to total assets | 64.3111% | 2,644 |
| Net loans and leases to deposits | 81.9730% | 1,836 |
| Net loans and leases to core deposits | 91.3094% | 1,575 |
| Total domestic deposits to total assets | 78.4541% | 6,055 |
| Equity capital to assets | 17.5130% | 368 |
| Core capital (leverage) ratio | 17.8765% | 292 |
| Tier 1 risk-based capital ratio | 26.1574% | 770 |
| Total risk-based capital ratio | 27.4264% | 757 |
| Memoranda: | ||
| Average total assets | $113,199,000 | 4,546 |
| Average earning assets | $109,194,500 | 4,392 |
| Average equity | $19,536,000 | 3,311 |
| Average total loans | $73,166,500 | 4,229 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1922% | 4,623 |
| Cost of funding earning assets | 0.5615% | 4,717 |
| Net interest margin | 3.6307% | 3,963 |
| Noninterest income to average assets | 0.2515% | 5,668 |
| Noninterest expense to average assets | 3.3541% | 2,179 |
| Loan and lease loss provision to assets | -0.9472% | 7,069 |
| Net operating income to assets | 1.7271% | 586 |
| Return on assets (ROA) | 1.7271% | 657 |
| Pretax return on assets | 1.3456% | 2,227 |
| Return on Equity (ROE) | 10.0538% | 2,147 |
| Retained earnings to average equity (ytd only) | 10.0538% | 589 |
| Net charge-offs to loans | -0.5967% | 7,014 |
| Credit loss provision to net charge-offs | 244.0964% | 1,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3845% | 1,118 |
| Assets per employee ($millions) | 6.7422% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6006% | 1,017 |
| Loan loss allowance to noncurrent loans | 467.7419% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 5,634 |
| Noncurrent loans to loans | 0.5560% | 5,135 |
| Net loans and leases to total assets | 61.5950% | 3,320 |
| Net loans and leases to deposits | 81.5127% | 2,071 |
| Net loans and leases to core deposits | 85.7898% | 2,339 |
| Total domestic deposits to total assets | 75.5649% | 6,404 |
| Equity capital to assets | 17.0095% | 414 |
| Core capital (leverage) ratio | 17.4593% | 319 |
| Tier 1 risk-based capital ratio | 26.0522% | 767 |
| Total risk-based capital ratio | 27.3201% | 754 |
| Memoranda: | ||
| Average total assets | $106,944,000 | 4,654 |
| Average earning assets | $103,120,800 | 4,509 |
| Average equity | $18,371,200 | 3,426 |
| Average total loans | $69,553,000 | 4,372 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3176% | 4,385 |
| Cost of funding earning assets | 0.5826% | 4,816 |
| Net interest margin | 3.7350% | 3,637 |
| Noninterest income to average assets | 0.2704% | 5,624 |
| Noninterest expense to average assets | 3.4949% | 1,773 |
| Loan and lease loss provision to assets | -0.9686% | 7,168 |
| Net operating income to assets | 1.3482% | 1,330 |
| Return on assets (ROA) | 1.3482% | 1,476 |
| Pretax return on assets | 1.3495% | 2,412 |
| Return on Equity (ROE) | 7.8273% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.8273% | 1,694 |
| Net charge-offs to loans | -0.7168% | 7,109 |
| Credit loss provision to net charge-offs | 206.2162% | 1,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1736% | 1,028 |
| Assets per employee ($millions) | 6.0212% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3045% | 548 |
| Loan loss allowance to noncurrent loans | 482.9099% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 5,694 |
| Noncurrent loans to loans | 0.6843% | 5,068 |
| Net loans and leases to total assets | 56.4555% | 4,377 |
| Net loans and leases to deposits | 75.3962% | 3,080 |
| Net loans and leases to core deposits | 79.8911% | 3,218 |
| Total domestic deposits to total assets | 74.8784% | 6,532 |
| Equity capital to assets | 17.2964% | 421 |
| Core capital (leverage) ratio | 17.5960% | 324 |
| Tier 1 risk-based capital ratio | 28.7261% | 606 |
| Total risk-based capital ratio | 30.0020% | 593 |
| Memoranda: | ||
| Average total assets | $105,025,500 | 4,750 |
| Average earning assets | $101,380,250 | 4,608 |
| Average equity | $18,090,000 | 3,491 |
| Average total loans | $68,820,250 | 4,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 3,828 |
| Cost of funding earning assets | 0.5987% | 4,918 |
| Net interest margin | 3.8857% | 2,975 |
| Noninterest income to average assets | 0.2560% | 5,749 |
| Noninterest expense to average assets | 3.6013% | 1,577 |
| Loan and lease loss provision to assets | -0.6025% | 7,212 |
| Net operating income to assets | 1.0028% | 2,454 |
| Return on assets (ROA) | 1.0028% | 2,667 |
| Pretax return on assets | 1.0047% | 3,692 |
| Return on Equity (ROE) | 5.8306% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.8306% | 2,811 |
| Net charge-offs to loans | -0.7217% | 7,168 |
| Credit loss provision to net charge-offs | 122.7451% | 2,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9519% | 1,072 |
| Assets per employee ($millions) | 5.9369% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6071% | 460 |
| Loan loss allowance to noncurrent loans | 454.1199% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.4997% | 5,509 |
| Noncurrent loans to loans | 0.7943% | 4,925 |
| Net loans and leases to total assets | 60.6406% | 3,696 |
| Net loans and leases to deposits | 80.7897% | 2,264 |
| Net loans and leases to core deposits | 85.6650% | 2,471 |
| Total domestic deposits to total assets | 75.0599% | 6,584 |
| Equity capital to assets | 17.0235% | 442 |
| Core capital (leverage) ratio | 17.2736% | 339 |
| Tier 1 risk-based capital ratio | 26.8041% | 744 |
| Total risk-based capital ratio | 28.0847% | 725 |
| Memoranda: | ||
| Average total assets | $103,907,000 | 4,804 |
| Average earning assets | $100,213,000 | 4,665 |
| Average equity | $17,871,330 | 3,518 |
| Average total loans | $70,667,670 | 4,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 3,244 |
| Cost of funding earning assets | 0.6191% | 4,970 |
| Net interest margin | 4.0345% | 2,354 |
| Noninterest income to average assets | 0.3085% | 5,418 |
| Noninterest expense to average assets | 3.8153% | 1,193 |
| Loan and lease loss provision to assets | -0.1172% | 7,188 |
| Net operating income to assets | 0.5038% | 4,812 |
| Return on assets (ROA) | 0.5038% | 5,022 |
| Pretax return on assets | 0.5038% | 5,416 |
| Return on Equity (ROE) | 2.9134% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.9134% | 4,795 |
| Net charge-offs to loans | -0.9283% | 7,207 |
| Credit loss provision to net charge-offs | 17.8571% | 3,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7993% | 1,030 |
| Assets per employee ($millions) | 5.8036% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6563% | 480 |
| Loan loss allowance to noncurrent loans | 277.0613% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9056% | 4,710 |
| Noncurrent loans to loans | 1.3197% | 4,137 |
| Net loans and leases to total assets | 66.1118% | 2,453 |
| Net loans and leases to deposits | 88.3159% | 1,129 |
| Net loans and leases to core deposits | 93.7884% | 1,485 |
| Total domestic deposits to total assets | 74.8583% | 6,663 |
| Equity capital to assets | 17.0279% | 422 |
| Core capital (leverage) ratio | 17.3121% | 335 |
| Tier 1 risk-based capital ratio | 24.5202% | 947 |
| Total risk-based capital ratio | 25.8015% | 933 |
| Memoranda: | ||
| Average total assets | $102,428,500 | 4,880 |
| Average earning assets | $98,848,000 | 4,719 |
| Average equity | $17,711,000 | 3,541 |
| Average total loans | $72,387,500 | 4,367 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 603 |
| Cost of funding earning assets | 0.7641% | 5,108 |
| Net interest margin | 5.0655% | 356 |
| Noninterest income to average assets | 0.3255% | 5,213 |
| Noninterest expense to average assets | 3.8975% | 1,188 |
| Loan and lease loss provision to assets | 1.2185% | 716 |
| Net operating income to assets | 0.0342% | 5,984 |
| Return on assets (ROA) | 0.0342% | 6,098 |
| Pretax return on assets | 0.0351% | 6,064 |
| Return on Equity (ROE) | 0.2116% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.2116% | 5,739 |
| Net charge-offs to loans | 1.1516% | 1,475 |
| Credit loss provision to net charge-offs | 131.1542% | 2,328 |
| Earnings coverage of net charge-offs (x) | 1.3493% | 4,759 |
| Efficiency ratio | 75.6632% | 2,943 |
| Assets per employee ($millions) | 5.5774% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3985% | 575 |
| Loan loss allowance to noncurrent loans | 179.6095% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 3,939 |
| Noncurrent loans to loans | 1.8922% | 3,354 |
| Net loans and leases to total assets | 70.3306% | 1,965 |
| Net loans and leases to deposits | 95.0552% | 740 |
| Net loans and leases to core deposits | 100.3311% | 1,146 |
| Total domestic deposits to total assets | 73.9892% | 6,719 |
| Equity capital to assets | 17.5650% | 379 |
| Core capital (leverage) ratio | 17.3796% | 339 |
| Tier 1 risk-based capital ratio | 23.7196% | 994 |
| Total risk-based capital ratio | 24.9980% | 978 |
| Memoranda: | ||
| Average total assets | $105,376,400 | 4,747 |
| Average earning assets | $100,385,400 | 4,635 |
| Average equity | $17,012,400 | 3,573 |
| Average total loans | $85,012,600 | 3,999 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7062% | 841 |
| Cost of funding earning assets | 0.7932% | 5,189 |
| Net interest margin | 4.9130% | 496 |
| Noninterest income to average assets | 0.3239% | 5,279 |
| Noninterest expense to average assets | 3.8715% | 1,196 |
| Loan and lease loss provision to assets | 1.9170% | 295 |
| Net operating income to assets | -0.7953% | 6,794 |
| Return on assets (ROA) | -0.7953% | 6,831 |
| Pretax return on assets | -0.7941% | 6,783 |
| Return on Equity (ROE) | -5.0304% | 6,677 |
| Retained earnings to average equity (ytd only) | -5.0304% | 6,596 |
| Net charge-offs to loans | 1.4455% | 1,016 |
| Credit loss provision to net charge-offs | 160.6918% | 1,916 |
| Earnings coverage of net charge-offs (x) | 0.9413% | 4,916 |
| Efficiency ratio | 77.5163% | 2,605 |
| Assets per employee ($millions) | 5.6641% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5435% | 547 |
| Loan loss allowance to noncurrent loans | 194.7740% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 2.3668% | 2,713 |
| Noncurrent loans to loans | 1.8193% | 3,615 |
| Net loans and leases to total assets | 73.6361% | 1,386 |
| Net loans and leases to deposits | 98.0552% | 575 |
| Net loans and leases to core deposits | 104.7699% | 934 |
| Total domestic deposits to total assets | 75.0966% | 6,631 |
| Equity capital to assets | 16.6173% | 527 |
| Core capital (leverage) ratio | 16.2075% | 476 |
| Tier 1 risk-based capital ratio | 21.2523% | 1,411 |
| Total risk-based capital ratio | 22.5318% | 1,385 |
| Memoranda: | ||
| Average total assets | $106,622,250 | 4,744 |
| Average earning assets | $101,360,750 | 4,632 |
| Average equity | $16,857,000 | 3,611 |
| Average total loans | $87,993,000 | 3,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 542 |
| Cost of funding earning assets | 0.8337% | 5,174 |
| Net interest margin | 5.0976% | 333 |
| Noninterest income to average assets | 0.2607% | 5,780 |
| Noninterest expense to average assets | 3.9379% | 1,132 |
| Loan and lease loss provision to assets | 2.7787% | 171 |
| Net operating income to assets | -1.6085% | 7,128 |
| Return on assets (ROA) | -1.6085% | 7,138 |
| Pretax return on assets | -1.6066% | 7,099 |
| Return on Equity (ROE) | -10.3395% | 6,951 |
| Retained earnings to average equity (ytd only) | -10.3395% | 6,894 |
| Net charge-offs to loans | 1.0681% | 1,474 |
| Credit loss provision to net charge-offs | 307.9918% | 984 |
| Earnings coverage of net charge-offs (x) | 1.2992% | 4,313 |
| Efficiency ratio | 77.0622% | 2,853 |
| Assets per employee ($millions) | 5.8678% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8936% | 445 |
| Loan loss allowance to noncurrent loans | 304.1905% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 3,304 |
| Noncurrent loans to loans | 1.2800% | 4,523 |
| Net loans and leases to total assets | 74.6421% | 1,296 |
| Net loans and leases to deposits | 97.8880% | 598 |
| Net loans and leases to core deposits | 106.3497% | 906 |
| Total domestic deposits to total assets | 76.2526% | 6,563 |
| Equity capital to assets | 15.7849% | 642 |
| Core capital (leverage) ratio | 15.6473% | 548 |
| Tier 1 risk-based capital ratio | 20.1944% | 1,573 |
| Total risk-based capital ratio | 21.4784% | 1,541 |
| Memoranda: | ||
| Average total assets | $108,178,330 | 4,753 |
| Average earning assets | $102,911,330 | 4,629 |
| Average equity | $16,828,670 | 3,604 |
| Average total loans | $91,379,670 | 3,908 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 507 |
| Cost of funding earning assets | 0.9023% | 4,903 |
| Net interest margin | 5.0622% | 333 |
| Noninterest income to average assets | 0.2448% | 5,941 |
| Noninterest expense to average assets | 4.0856% | 937 |
| Loan and lease loss provision to assets | 5.3610% | 55 |
| Net operating income to assets | -4.3633% | 7,463 |
| Return on assets (ROA) | -4.3633% | 7,465 |
| Pretax return on assets | -4.3633% | 7,453 |
| Return on Equity (ROE) | -28.2487% | 7,308 |
| Retained earnings to average equity (ytd only) | -28.2487% | 7,277 |
| Net charge-offs to loans | 0.3331% | 2,725 |
| Credit loss provision to net charge-offs | 1,833.7500% | 215 |
| Earnings coverage of net charge-offs (x) | 3.4125% | 2,748 |
| Efficiency ratio | 80.3738% | 2,458 |
| Assets per employee ($millions) | 5.8279% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8146% | 481 |
| Loan loss allowance to noncurrent loans | 234.6939% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 2.4356% | 2,791 |
| Noncurrent loans to loans | 1.6254% | 4,041 |
| Net loans and leases to total assets | 85.6896% | 143 |
| Net loans and leases to deposits | 112.1227% | 152 |
| Net loans and leases to core deposits | 121.2564% | 392 |
| Total domestic deposits to total assets | 76.4249% | 6,612 |
| Equity capital to assets | 15.5477% | 655 |
| Core capital (leverage) ratio | 14.6787% | 716 |
| Tier 1 risk-based capital ratio | 16.6341% | 2,606 |
| Total risk-based capital ratio | 17.9155% | 2,575 |
| Memoranda: | ||
| Average total assets | $109,457,500 | 4,747 |
| Average earning assets | $104,618,500 | 4,622 |
| Average equity | $16,907,000 | 3,574 |
| Average total loans | $96,054,000 | 3,830 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6551% | 1,728 |
| Cost of funding earning assets | 1.3181% | 3,767 |
| Net interest margin | 4.3370% | 1,692 |
| Noninterest income to average assets | -0.7681% | 7,599 |
| Noninterest expense to average assets | 4.2108% | 893 |
| Loan and lease loss provision to assets | 1.0562% | 1,523 |
| Net operating income to assets | -2.0350% | 7,064 |
| Return on assets (ROA) | -2.0350% | 7,076 |
| Pretax return on assets | -2.0342% | 7,037 |
| Return on Equity (ROE) | -13.3138% | 6,859 |
| Retained earnings to average equity (ytd only) | -13.3138% | 6,811 |
| Net charge-offs to loans | 1.8680% | 1,110 |
| Credit loss provision to net charge-offs | 69.1644% | 5,885 |
| Earnings coverage of net charge-offs (x) | -0.6404% | 6,512 |
| Efficiency ratio | 130.2521% | 315 |
| Assets per employee ($millions) | 6.0006% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2088% | 1,851 |
| Loan loss allowance to noncurrent loans | 116.3996% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6419% | 3,842 |
| Noncurrent loans to loans | 1.8976% | 3,689 |
| Net loans and leases to total assets | 84.6165% | 258 |
| Net loans and leases to deposits | 112.1649% | 201 |
| Net loans and leases to core deposits | 124.5472% | 416 |
| Total domestic deposits to total assets | 75.4394% | 6,703 |
| Equity capital to assets | 15.3528% | 707 |
| Core capital (leverage) ratio | 15.0067% | 665 |
| Tier 1 risk-based capital ratio | 16.6511% | 2,478 |
| Total risk-based capital ratio | 17.9128% | 2,440 |
| Memoranda: | ||
| Average total assets | $121,474,000 | 4,455 |
| Average earning assets | $112,059,000 | 4,420 |
| Average equity | $18,567,200 | 3,339 |
| Average total loans | $99,302,000 | 3,816 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 1,895 |
| Cost of funding earning assets | 1.3847% | 3,670 |
| Net interest margin | 4.2621% | 1,983 |
| Noninterest income to average assets | -1.0745% | 7,736 |
| Noninterest expense to average assets | 3.9759% | 1,071 |
| Loan and lease loss provision to assets | 1.0172% | 1,451 |
| Net operating income to assets | -2.1825% | 7,281 |
| Return on assets (ROA) | -2.1825% | 7,295 |
| Pretax return on assets | -2.1815% | 7,243 |
| Return on Equity (ROE) | -14.2937% | 7,083 |
| Retained earnings to average equity (ytd only) | -14.2937% | 7,051 |
| Net charge-offs to loans | 2.1783% | 839 |
| Credit loss provision to net charge-offs | 57.9077% | 5,746 |
| Earnings coverage of net charge-offs (x) | -0.6628% | 6,381 |
| Efficiency ratio | 141.4072% | 242 |
| Assets per employee ($millions) | 5.1850% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 2,043 |
| Loan loss allowance to noncurrent loans | 54.3947% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 3.1864% | 2,254 |
| Noncurrent loans to loans | 3.8272% | 2,004 |
| Net loans and leases to total assets | 81.5246% | 557 |
| Net loans and leases to deposits | 107.2782% | 312 |
| Net loans and leases to core deposits | 124.2959% | 492 |
| Total domestic deposits to total assets | 75.9937% | 6,658 |
| Equity capital to assets | 15.0449% | 879 |
| Core capital (leverage) ratio | 14.4701% | 821 |
| Tier 1 risk-based capital ratio | 16.5824% | 2,523 |
| Total risk-based capital ratio | 17.8417% | 2,472 |
| Memoranda: | ||
| Average total assets | $123,339,500 | 4,470 |
| Average earning assets | $112,460,750 | 4,474 |
| Average equity | $18,833,000 | 3,343 |
| Average total loans | $99,464,500 | 3,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 1,875 |
| Cost of funding earning assets | 1.4584% | 3,510 |
| Net interest margin | 4.2105% | 2,121 |
| Noninterest income to average assets | -1.2061% | 7,801 |
| Noninterest expense to average assets | 4.0224% | 1,011 |
| Loan and lease loss provision to assets | 1.1131% | 1,285 |
| Net operating income to assets | -2.5694% | 7,433 |
| Return on assets (ROA) | -2.5694% | 7,442 |
| Pretax return on assets | -2.5677% | 7,383 |
| Return on Equity (ROE) | -16.7486% | 7,196 |
| Retained earnings to average equity (ytd only) | -16.7486% | 7,161 |
| Net charge-offs to loans | 2.9300% | 555 |
| Credit loss provision to net charge-offs | 47.5995% | 5,472 |
| Earnings coverage of net charge-offs (x) | -0.6221% | 6,052 |
| Efficiency ratio | 156.6521% | 186 |
| Assets per employee ($millions) | 5.6469% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 2,260 |
| Loan loss allowance to noncurrent loans | 44.9243% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 4.7822% | 1,355 |
| Noncurrent loans to loans | 4.3796% | 1,680 |
| Net loans and leases to total assets | 79.6943% | 850 |
| Net loans and leases to deposits | 103.9292% | 488 |
| Net loans and leases to core deposits | 135.7032% | 334 |
| Total domestic deposits to total assets | 76.6813% | 6,567 |
| Equity capital to assets | 14.7000% | 950 |
| Core capital (leverage) ratio | 14.5024% | 818 |
| Tier 1 risk-based capital ratio | 16.4430% | 2,498 |
| Total risk-based capital ratio | 17.7008% | 2,438 |
| Memoranda: | ||
| Average total assets | $124,700,670 | 4,478 |
| Average earning assets | $111,768,000 | 4,514 |
| Average equity | $19,130,000 | 3,288 |
| Average total loans | $99,522,670 | 3,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6750% | 1,869 |
| Cost of funding earning assets | 1.5930% | 3,006 |
| Net interest margin | 4.0820% | 2,519 |
| Noninterest income to average assets | 0.2241% | 6,361 |
| Noninterest expense to average assets | 4.1333% | 868 |
| Loan and lease loss provision to assets | 1.4728% | 801 |
| Net operating income to assets | -1.8409% | 7,422 |
| Return on assets (ROA) | -1.8409% | 7,424 |
| Pretax return on assets | -1.8377% | 7,363 |
| Return on Equity (ROE) | -11.7563% | 7,202 |
| Retained earnings to average equity (ytd only) | -11.7563% | 7,053 |
| Net charge-offs to loans | 5.7213% | 194 |
| Credit loss provision to net charge-offs | 32.5548% | 4,776 |
| Earnings coverage of net charge-offs (x) | -0.0807% | 5,085 |
| Efficiency ratio | 109.6856% | 608 |
| Assets per employee ($millions) | 5.4718% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 2,636 |
| Loan loss allowance to noncurrent loans | 40.1788% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 5.4874% | 1,128 |
| Noncurrent loans to loans | 4.5554% | 1,625 |
| Net loans and leases to total assets | 76.6287% | 1,410 |
| Net loans and leases to deposits | 100.5442% | 721 |
| Net loans and leases to core deposits | 131.8450% | 442 |
| Total domestic deposits to total assets | 76.2139% | 6,722 |
| Equity capital to assets | 15.3324% | 805 |
| Core capital (leverage) ratio | 15.3540% | 677 |
| Tier 1 risk-based capital ratio | 17.7803% | 1,999 |
| Total risk-based capital ratio | 19.0368% | 1,967 |
| Memoranda: | ||
| Average total assets | $124,935,500 | 4,524 |
| Average earning assets | $108,475,500 | 4,648 |
| Average equity | $19,564,000 | 3,257 |
| Average total loans | $98,788,000 | 3,996 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 3,224 |
| Cost of funding earning assets | 1.8939% | 3,493 |
| Net interest margin | 3.7831% | 3,782 |
| Noninterest income to average assets | 0.4036% | 5,173 |
| Noninterest expense to average assets | 4.6519% | 681 |
| Loan and lease loss provision to assets | 2.8095% | 653 |
| Net operating income to assets | -3.6444% | 7,537 |
| Return on assets (ROA) | -3.5523% | 7,523 |
| Pretax return on assets | -3.5515% | 7,430 |
| Return on Equity (ROE) | -19.2834% | 7,122 |
| Retained earnings to average equity (ytd only) | -19.2834% | 7,079 |
| Net charge-offs to loans | 2.1041% | 1,158 |
| Credit loss provision to net charge-offs | 164.0587% | 2,666 |
| Earnings coverage of net charge-offs (x) | -0.4870% | 6,682 |
| Efficiency ratio | 121.8469% | 580 |
| Assets per employee ($millions) | 5.3922% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7693% | 956 |
| Loan loss allowance to noncurrent loans | 61.9037% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 5.5435% | 1,059 |
| Noncurrent loans to loans | 4.4735% | 1,590 |
| Net loans and leases to total assets | 77.8818% | 1,411 |
| Net loans and leases to deposits | 102.0475% | 750 |
| Net loans and leases to core deposits | 155.3252% | 405 |
| Total domestic deposits to total assets | 76.3191% | 6,615 |
| Equity capital to assets | 15.9910% | 703 |
| Core capital (leverage) ratio | 15.9947% | 617 |
| Tier 1 risk-based capital ratio | 17.6681% | 1,982 |
| Total risk-based capital ratio | 18.9338% | 1,932 |
| Memoranda: | ||
| Average total assets | $119,414,800 | 4,586 |
| Average earning assets | $107,769,400 | 4,637 |
| Average equity | $21,998,200 | 2,942 |
| Average total loans | $97,191,400 | 4,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5376% | 4,230 |
| Cost of funding earning assets | 1.8790% | 3,993 |
| Net interest margin | 3.6586% | 4,239 |
| Noninterest income to average assets | 0.4961% | 4,517 |
| Noninterest expense to average assets | 4.7159% | 606 |
| Loan and lease loss provision to assets | 1.7892% | 1,035 |
| Net operating income to assets | -2.6077% | 7,484 |
| Return on assets (ROA) | -2.4837% | 7,462 |
| Pretax return on assets | -2.4825% | 7,342 |
| Return on Equity (ROE) | -13.0315% | 7,076 |
| Retained earnings to average equity (ytd only) | -13.0315% | 7,010 |
| Net charge-offs to loans | 0.5270% | 3,104 |
| Credit loss provision to net charge-offs | 415.4450% | 960 |
| Earnings coverage of net charge-offs (x) | -1.8979% | 6,733 |
| Efficiency ratio | 120.9659% | 575 |
| Assets per employee ($millions) | 4.5456% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6419% | 932 |
| Loan loss allowance to noncurrent loans | 76.8963% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.8037% | 2,477 |
| Noncurrent loans to loans | 3.4357% | 2,178 |
| Net loans and leases to total assets | 79.4486% | 1,295 |
| Net loans and leases to deposits | 106.8089% | 618 |
| Net loans and leases to core deposits | 149.7681% | 586 |
| Total domestic deposits to total assets | 74.3838% | 6,881 |
| Equity capital to assets | 17.7421% | 537 |
| Core capital (leverage) ratio | 17.7388% | 472 |
| Tier 1 risk-based capital ratio | 19.6004% | 1,633 |
| Total risk-based capital ratio | 20.8656% | 1,589 |
| Memoranda: | ||
| Average total assets | $118,263,500 | 4,642 |
| Average earning assets | $109,984,500 | 4,594 |
| Average equity | $22,539,750 | 2,907 |
| Average total loans | $96,654,250 | 4,068 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 5,191 |
| Cost of funding earning assets | 1.8902% | 4,313 |
| Net interest margin | 3.5019% | 4,793 |
| Noninterest income to average assets | 0.1319% | 7,301 |
| Noninterest expense to average assets | 4.8983% | 552 |
| Loan and lease loss provision to assets | 1.5329% | 1,112 |
| Net operating income to assets | -2.9852% | 7,669 |
| Return on assets (ROA) | -2.7968% | 7,626 |
| Pretax return on assets | -2.7951% | 7,503 |
| Return on Equity (ROE) | -14.3279% | 7,305 |
| Retained earnings to average equity (ytd only) | -14.3279% | 7,206 |
| Net charge-offs to loans | 0.8001% | 2,083 |
| Credit loss provision to net charge-offs | 234.2932% | 1,976 |
| Earnings coverage of net charge-offs (x) | -2.2173% | 6,365 |
| Efficiency ratio | 142.0765% | 415 |
| Assets per employee ($millions) | 4.9743% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 1,854 |
| Loan loss allowance to noncurrent loans | 60.0676% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.7249% | 2,358 |
| Noncurrent loans to loans | 3.1223% | 2,289 |
| Net loans and leases to total assets | 85.6352% | 420 |
| Net loans and leases to deposits | 116.7417% | 311 |
| Net loans and leases to core deposits | 152.7530% | 587 |
| Total domestic deposits to total assets | 73.3544% | 7,058 |
| Equity capital to assets | 18.5195% | 502 |
| Core capital (leverage) ratio | 18.5212% | 454 |
| Tier 1 risk-based capital ratio | 19.2717% | 1,725 |
| Total risk-based capital ratio | 20.5289% | 1,680 |
| Memoranda: | ||
| Average total assets | $116,774,330 | 4,713 |
| Average earning assets | $110,569,670 | 4,610 |
| Average equity | $22,794,670 | 2,877 |
| Average total loans | $95,487,670 | 4,130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3174% | 5,818 |
| Cost of funding earning assets | 1.8692% | 4,794 |
| Net interest margin | 3.4483% | 4,945 |
| Noninterest income to average assets | 0.1386% | 7,309 |
| Noninterest expense to average assets | 4.9225% | 510 |
| Loan and lease loss provision to assets | 1.5935% | 789 |
| Net operating income to assets | -3.0449% | 7,852 |
| Return on assets (ROA) | -2.6639% | 7,790 |
| Pretax return on assets | -2.6604% | 7,691 |
| Return on Equity (ROE) | -13.2944% | 7,534 |
| Retained earnings to average equity (ytd only) | -13.2944% | 7,344 |
| Net charge-offs to loans | 0.7330% | 1,720 |
| Credit loss provision to net charge-offs | 275.4491% | 1,738 |
| Earnings coverage of net charge-offs (x) | -2.5030% | 5,494 |
| Efficiency ratio | 141.6750% | 400 |
| Assets per employee ($millions) | 4.7410% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 1,849 |
| Loan loss allowance to noncurrent loans | 361.2500% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.4050% | 6,282 |
| Noncurrent loans to loans | 0.4983% | 6,181 |
| Net loans and leases to total assets | 79.8009% | 1,430 |
| Net loans and leases to deposits | 109.8702% | 617 |
| Net loans and leases to core deposits | 128.0758% | 1,781 |
| Total domestic deposits to total assets | 72.6319% | 7,110 |
| Equity capital to assets | 19.2229% | 465 |
| Core capital (leverage) ratio | 20.1918% | 389 |
| Tier 1 risk-based capital ratio | 20.7605% | 1,483 |
| Total risk-based capital ratio | 21.9897% | 1,459 |
| Memoranda: | ||
| Average total assets | $115,470,500 | 4,763 |
| Average earning assets | $111,708,500 | 4,589 |
| Average equity | $23,137,500 | 2,864 |
| Average total loans | $91,138,000 | 4,278 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 5,074 |
| Cost of funding earning assets | 1.9679% | 6,515 |
| Net interest margin | 4.1259% | 2,598 |
| Noninterest income to average assets | 0.3443% | 5,982 |
| Noninterest expense to average assets | 6.2621% | 369 |
| Loan and lease loss provision to assets | 1.0856% | 1,336 |
| Net operating income to assets | -3.0284% | 7,832 |
| Return on assets (ROA) | -2.9368% | 7,784 |
| Pretax return on assets | -2.9357% | 7,693 |
| Return on Equity (ROE) | -11.4314% | 7,381 |
| Retained earnings to average equity (ytd only) | -11.4314% | 7,199 |
| Net charge-offs to loans | 0.2158% | 4,053 |
| Credit loss provision to net charge-offs | 706.1644% | 594 |
| Earnings coverage of net charge-offs (x) | -12.6301% | 6,912 |
| Efficiency ratio | 144.9427% | 374 |
| Assets per employee ($millions) | 4.3237% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6764% | 1,977 |
| Loan loss allowance to noncurrent loans | 372.3514% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 6,221 |
| Noncurrent loans to loans | 0.4502% | 6,002 |
| Net loans and leases to total assets | 75.1824% | 2,838 |
| Net loans and leases to deposits | 106.7457% | 1,065 |
| Net loans and leases to core deposits | 122.2545% | 2,483 |
| Total domestic deposits to total assets | 70.4313% | 7,230 |
| Equity capital to assets | 20.8965% | 409 |
| Core capital (leverage) ratio | 21.4705% | 355 |
| Tier 1 risk-based capital ratio | 23.1667% | 1,173 |
| Total risk-based capital ratio | 24.4205% | 1,146 |
| Memoranda: | ||
| Average total assets | $94,968,600 | 5,199 |
| Average earning assets | $91,520,200 | 5,043 |
| Average equity | $24,397,800 | 2,699 |
| Average total loans | $67,652,800 | 4,960 |