Home > Bank of Napa, N.A. > Performance and Condition Ratios
Bank of Napa, N.A., Performance and Condition Ratios
| 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 | 3.7828% | 4,060 |
| Cost of funding earning assets | 0.1528% | 5,300 |
| Net interest margin | 3.6300% | 3,040 |
| Noninterest income to average assets | 0.2192% | 4,909 |
| Noninterest expense to average assets | 2.5438% | 3,586 |
| Loan and lease loss provision to assets | 0.0107% | 3,925 |
| Net operating income to assets | 0.7165% | 3,891 |
| Return on assets (ROA) | 0.7241% | 3,915 |
| Pretax return on assets | 1.0629% | 3,450 |
| Return on Equity (ROE) | 6.7150% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.7169% | 3,072 |
| Net charge-offs to loans | -0.0029% | 4,360 |
| Credit loss provision to net charge-offs | -666.6667% | 4,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5410% | 2,446 |
| Assets per employee ($millions) | 9.8185% | 333 |
| Cash dividends to net income (ytd only)* | 29.7559% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 2,012 |
| 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 | 54.2663% | 4,394 |
| Net loans and leases to deposits | 61.2618% | 4,572 |
| Net loans and leases to core deposits | 64.3871% | 4,590 |
| Total domestic deposits to total assets | 88.5809% | 1,082 |
| Equity capital to assets | 10.8856% | 2,971 |
| Core capital (leverage) ratio | 10.9305% | 2,526 |
| Tier 1 risk-based capital ratio | 16.4998% | 2,327 |
| Total risk-based capital ratio | 17.6432% | 2,305 |
| Memoranda: | ||
| Average total assets | $248,753,000 | 2,518 |
| Average earning assets | $232,096,750 | 2,493 |
| Average equity | $26,824,750 | 2,575 |
| Average total loans | $138,733,500 | 2,819 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,016 |
| Cost of funding earning assets | 0.1539% | 5,318 |
| Net interest margin | 3.6119% | 2,993 |
| Noninterest income to average assets | 0.2279% | 4,880 |
| Noninterest expense to average assets | 2.4066% | 4,034 |
| Loan and lease loss provision to assets | 0.0162% | 3,631 |
| Net operating income to assets | 0.7938% | 3,425 |
| Return on assets (ROA) | 0.8054% | 3,431 |
| Pretax return on assets | 1.1923% | 2,794 |
| Return on Equity (ROE) | 7.4934% | 3,293 |
| Retained earnings to average equity (ytd only) | 4.4598% | 3,056 |
| Net charge-offs to loans | -0.0043% | 4,308 |
| Credit loss provision to net charge-offs | -666.6667% | 4,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8846% | 3,198 |
| Assets per employee ($millions) | 8.7877% | 450 |
| Cash dividends to net income (ytd only)* | 40.4834% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,406.5693% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 4,994 |
| Noncurrent loans to loans | 0.0984% | 4,736 |
| Net loans and leases to total assets | 55.8288% | 4,243 |
| Net loans and leases to deposits | 63.0873% | 4,428 |
| Net loans and leases to core deposits | 66.2126% | 4,458 |
| Total domestic deposits to total assets | 88.4945% | 1,205 |
| Equity capital to assets | 11.0442% | 2,757 |
| Core capital (leverage) ratio | 10.9927% | 2,413 |
| Tier 1 risk-based capital ratio | 16.4010% | 2,359 |
| Total risk-based capital ratio | 17.5633% | 2,334 |
| Memoranda: | ||
| Average total assets | $246,576,670 | 2,544 |
| Average earning assets | $230,072,670 | 2,526 |
| Average equity | $26,503,330 | 2,595 |
| Average total loans | $138,158,330 | 2,834 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 4,177 |
| Cost of funding earning assets | 0.1577% | 5,316 |
| Net interest margin | 3.5209% | 3,197 |
| Noninterest income to average assets | 0.2496% | 4,751 |
| Noninterest expense to average assets | 2.4129% | 4,081 |
| Loan and lease loss provision to assets | 0.0324% | 3,138 |
| Net operating income to assets | 0.7495% | 3,479 |
| Return on assets (ROA) | 0.7616% | 3,467 |
| Pretax return on assets | 1.1149% | 2,923 |
| Return on Equity (ROE) | 7.1845% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.1845% | 1,790 |
| Net charge-offs to loans | -0.0087% | 4,364 |
| Credit loss provision to net charge-offs | -666.6667% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1153% | 3,172 |
| Assets per employee ($millions) | 8.9010% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,183 |
| Loan loss allowance to noncurrent loans | 1,406.5693% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 5,075 |
| Noncurrent loans to loans | 0.0979% | 4,799 |
| Net loans and leases to total assets | 55.4037% | 4,217 |
| Net loans and leases to deposits | 62.3300% | 4,414 |
| Net loans and leases to core deposits | 65.3418% | 4,472 |
| Total domestic deposits to total assets | 88.8876% | 1,202 |
| Equity capital to assets | 10.6650% | 2,995 |
| Core capital (leverage) ratio | 11.0364% | 2,325 |
| Tier 1 risk-based capital ratio | 16.2896% | 2,443 |
| Total risk-based capital ratio | 17.4493% | 2,416 |
| Memoranda: | ||
| Average total assets | $246,837,000 | 2,566 |
| Average earning assets | $230,851,500 | 2,544 |
| Average equity | $26,167,500 | 2,627 |
| Average total loans | $137,589,000 | 2,856 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,062 |
| Cost of funding earning assets | 0.1692% | 5,290 |
| Net interest margin | 3.5778% | 3,152 |
| Noninterest income to average assets | 0.2294% | 5,039 |
| Noninterest expense to average assets | 2.4177% | 4,253 |
| Loan and lease loss provision to assets | 0.0433% | 3,517 |
| Net operating income to assets | 0.7433% | 3,568 |
| Return on assets (ROA) | 0.7541% | 3,638 |
| Pretax return on assets | 1.1346% | 2,950 |
| Return on Equity (ROE) | 6.7986% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.4483% | 2,048 |
| Net charge-offs to loans | -0.0023% | 4,717 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5496% | 3,335 |
| Assets per employee ($millions) | 9.0536% | 417 |
| Cash dividends to net income (ytd only)* | 19.8622% | 3,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 2,044 |
| Loan loss allowance to noncurrent loans | 1,389.0511% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,111 |
| Noncurrent loans to loans | 0.1014% | 4,832 |
| Net loans and leases to total assets | 54.5177% | 4,394 |
| Net loans and leases to deposits | 61.2522% | 4,588 |
| Net loans and leases to core deposits | 64.7241% | 4,592 |
| Total domestic deposits to total assets | 89.0054% | 1,116 |
| Equity capital to assets | 10.5360% | 3,110 |
| Core capital (leverage) ratio | 10.7622% | 2,576 |
| Tier 1 risk-based capital ratio | 16.3371% | 2,412 |
| Total risk-based capital ratio | 17.5071% | 2,387 |
| Memoranda: | ||
| Average total assets | $231,001,200 | 2,657 |
| Average earning assets | $216,276,200 | 2,638 |
| Average equity | $25,622,800 | 2,668 |
| Average total loans | $130,215,600 | 2,918 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7511% | 4,077 |
| Cost of funding earning assets | 0.1715% | 5,338 |
| Net interest margin | 3.5796% | 3,162 |
| Noninterest income to average assets | 0.2360% | 5,061 |
| Noninterest expense to average assets | 2.4506% | 4,132 |
| Loan and lease loss provision to assets | 0.0369% | 3,510 |
| Net operating income to assets | 0.7237% | 3,728 |
| Return on assets (ROA) | 0.7368% | 3,795 |
| Pretax return on assets | 1.1175% | 3,159 |
| Return on Equity (ROE) | 6.5545% | 3,803 |
| Retained earnings to average equity (ytd only) | 4.7518% | 2,985 |
| Net charge-offs to loans | -0.0021% | 4,498 |
| Credit loss provision to net charge-offs | -3,150.0000% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3548% | 3,168 |
| Assets per employee ($millions) | 8.6549% | 455 |
| Cash dividends to net income (ytd only)* | 27.5039% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,938 |
| Loan loss allowance to noncurrent loans | 1,361.3139% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 5,227 |
| Noncurrent loans to loans | 0.1072% | 4,912 |
| Net loans and leases to total assets | 51.9432% | 4,662 |
| Net loans and leases to deposits | 58.7856% | 4,831 |
| Net loans and leases to core deposits | 61.7483% | 4,849 |
| Total domestic deposits to total assets | 88.3604% | 1,203 |
| Equity capital to assets | 11.0083% | 3,003 |
| Core capital (leverage) ratio | 11.0346% | 2,413 |
| Tier 1 risk-based capital ratio | 16.9003% | 2,260 |
| Total risk-based capital ratio | 18.1092% | 2,231 |
| Memoranda: | ||
| Average total assets | $227,639,750 | 2,695 |
| Average earning assets | $212,980,750 | 2,676 |
| Average equity | $25,589,750 | 2,686 |
| Average total loans | $128,977,000 | 2,942 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 3,832 |
| Cost of funding earning assets | 0.1737% | 5,378 |
| Net interest margin | 3.6606% | 2,857 |
| Noninterest income to average assets | 0.2487% | 4,992 |
| Noninterest expense to average assets | 2.5123% | 3,999 |
| Loan and lease loss provision to assets | 0.0566% | 3,012 |
| Net operating income to assets | 0.7267% | 3,669 |
| Return on assets (ROA) | 0.7273% | 3,819 |
| Pretax return on assets | 1.1062% | 3,175 |
| Return on Equity (ROE) | 6.4216% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.4216% | 1,907 |
| Net charge-offs to loans | -0.0031% | 4,436 |
| Credit loss provision to net charge-offs | -3,150.0000% | 5,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3773% | 3,263 |
| Assets per employee ($millions) | 8.2730% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4534% | 2,057 |
| 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 | 54.5918% | 4,452 |
| Net loans and leases to deposits | 61.8915% | 4,664 |
| Net loans and leases to core deposits | 65.1134% | 4,676 |
| Total domestic deposits to total assets | 88.2056% | 1,317 |
| Equity capital to assets | 11.1512% | 2,896 |
| Core capital (leverage) ratio | 10.9517% | 2,484 |
| Tier 1 risk-based capital ratio | 16.4552% | 2,449 |
| Total risk-based capital ratio | 17.6828% | 2,395 |
| Memoranda: | ||
| Average total assets | $222,741,000 | 2,750 |
| Average earning assets | $208,436,000 | 2,727 |
| Average equity | $25,227,330 | 2,721 |
| Average total loans | $129,388,670 | 2,939 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,729 |
| Cost of funding earning assets | 0.1720% | 5,447 |
| Net interest margin | 3.6888% | 2,714 |
| Noninterest income to average assets | 0.2419% | 5,011 |
| Noninterest expense to average assets | 2.4848% | 4,113 |
| Loan and lease loss provision to assets | 0.0916% | 2,157 |
| Net operating income to assets | 0.7391% | 3,543 |
| Return on assets (ROA) | 0.7403% | 3,642 |
| Pretax return on assets | 1.1251% | 2,992 |
| Return on Equity (ROE) | 6.4833% | 3,734 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,144 |
| Net charge-offs to loans | -0.0031% | 4,179 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1620% | 3,602 |
| Assets per employee ($millions) | 8.0186% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,436 |
| 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 | 58.1656% | 4,025 |
| Net loans and leases to deposits | 65.9559% | 4,262 |
| Net loans and leases to core deposits | 69.2325% | 4,296 |
| Total domestic deposits to total assets | 88.1886% | 1,535 |
| Equity capital to assets | 11.2542% | 2,671 |
| Core capital (leverage) ratio | 11.4227% | 2,030 |
| Tier 1 risk-based capital ratio | 16.5315% | 2,468 |
| Total risk-based capital ratio | 17.7591% | 2,428 |
| Memoranda: | ||
| Average total assets | $218,290,000 | 2,799 |
| Average earning assets | $204,621,000 | 2,771 |
| Average equity | $24,925,500 | 2,749 |
| Average total loans | $129,921,500 | 2,937 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 3,828 |
| Cost of funding earning assets | 0.1845% | 5,406 |
| Net interest margin | 3.6813% | 2,823 |
| Noninterest income to average assets | 0.2558% | 5,062 |
| Noninterest expense to average assets | 2.6147% | 3,866 |
| Loan and lease loss provision to assets | 0.0443% | 3,440 |
| Net operating income to assets | 0.6661% | 3,971 |
| Return on assets (ROA) | 0.6890% | 3,972 |
| Pretax return on assets | 1.0584% | 3,232 |
| Return on Equity (ROE) | 5.6492% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.6492% | 1,984 |
| Net charge-offs to loans | -0.0026% | 4,897 |
| Credit loss provision to net charge-offs | -2,900.0000% | 5,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0075% | 3,070 |
| Assets per employee ($millions) | 7.8540% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 2,359 |
| 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 | 59.2274% | 3,937 |
| Net loans and leases to deposits | 67.3439% | 4,187 |
| Net loans and leases to core deposits | 70.9391% | 4,219 |
| Total domestic deposits to total assets | 87.9477% | 1,654 |
| Equity capital to assets | 11.5925% | 2,287 |
| Core capital (leverage) ratio | 11.4782% | 1,974 |
| Tier 1 risk-based capital ratio | 16.9147% | 2,316 |
| Total risk-based capital ratio | 18.1553% | 2,268 |
| Memoranda: | ||
| Average total assets | $196,233,800 | 2,982 |
| Average earning assets | $182,655,000 | 2,967 |
| Average equity | $23,932,400 | 2,792 |
| Average total loans | $116,269,400 | 3,104 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8570% | 3,908 |
| Cost of funding earning assets | 0.1866% | 5,481 |
| Net interest margin | 3.6703% | 2,884 |
| Noninterest income to average assets | 0.2593% | 5,086 |
| Noninterest expense to average assets | 2.6586% | 3,691 |
| Loan and lease loss provision to assets | 0.0340% | 3,543 |
| Net operating income to assets | 0.6390% | 4,189 |
| Return on assets (ROA) | 0.6615% | 4,184 |
| Pretax return on assets | 1.0110% | 3,572 |
| Return on Equity (ROE) | 5.3512% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.3512% | 2,681 |
| Net charge-offs to loans | -0.0024% | 4,722 |
| Credit loss provision to net charge-offs | -2,450.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4627% | 2,795 |
| Assets per employee ($millions) | 7.6029% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4306% | 2,454 |
| 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 | 59.1413% | 3,992 |
| Net loans and leases to deposits | 67.4879% | 4,240 |
| Net loans and leases to core deposits | 71.0202% | 4,279 |
| Total domestic deposits to total assets | 87.6324% | 1,732 |
| Equity capital to assets | 11.8527% | 2,215 |
| Core capital (leverage) ratio | 11.9168% | 1,723 |
| Tier 1 risk-based capital ratio | 17.2788% | 2,265 |
| Total risk-based capital ratio | 18.5301% | 2,219 |
| Memoranda: | ||
| Average total assets | $192,277,500 | 3,051 |
| Average earning assets | $178,616,750 | 3,038 |
| Average equity | $23,769,750 | 2,828 |
| Average total loans | $113,487,250 | 3,171 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 3,817 |
| Cost of funding earning assets | 0.1893% | 5,532 |
| Net interest margin | 3.6744% | 2,819 |
| Noninterest income to average assets | 0.2628% | 5,071 |
| Noninterest expense to average assets | 2.7168% | 3,537 |
| Loan and lease loss provision to assets | 0.0223% | 3,685 |
| Net operating income to assets | 0.6050% | 4,324 |
| Return on assets (ROA) | 0.6396% | 4,285 |
| Pretax return on assets | 0.9843% | 3,649 |
| Return on Equity (ROE) | 5.0970% | 4,575 |
| Retained earnings to average equity (ytd only) | 5.0970% | 2,796 |
| Net charge-offs to loans | -0.0036% | 4,669 |
| Credit loss provision to net charge-offs | -1,050.0000% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0215% | 2,674 |
| Assets per employee ($millions) | 7.2712% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 2,341 |
| 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 | 58.4341% | 4,049 |
| Net loans and leases to deposits | 66.8284% | 4,243 |
| Net loans and leases to core deposits | 70.6498% | 4,265 |
| Total domestic deposits to total assets | 87.4390% | 1,936 |
| Equity capital to assets | 12.1240% | 1,932 |
| Core capital (leverage) ratio | 12.4297% | 1,414 |
| Tier 1 risk-based capital ratio | 17.7270% | 2,148 |
| Total risk-based capital ratio | 18.9785% | 2,096 |
| Memoranda: | ||
| Average total assets | $187,944,000 | 3,130 |
| Average earning assets | $174,286,000 | 3,104 |
| Average equity | $23,582,670 | 2,854 |
| Average total loans | $110,261,000 | 3,247 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8121% | 3,960 |
| Cost of funding earning assets | 0.1927% | 5,570 |
| Net interest margin | 3.6194% | 2,930 |
| Noninterest income to average assets | 0.2612% | 5,090 |
| Noninterest expense to average assets | 2.7754% | 3,328 |
| Loan and lease loss provision to assets | 0.0174% | 3,496 |
| Net operating income to assets | 0.5301% | 4,544 |
| Return on assets (ROA) | 0.6008% | 4,383 |
| Pretax return on assets | 0.9295% | 3,781 |
| Return on Equity (ROE) | 4.7033% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.7033% | 3,214 |
| Net charge-offs to loans | -0.0037% | 4,438 |
| Credit loss provision to net charge-offs | -800.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8072% | 2,374 |
| Assets per employee ($millions) | 6.9694% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 2,233 |
| Loan loss allowance to noncurrent loans | 2,687.5000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,801 |
| Noncurrent loans to loans | 0.0577% | 5,545 |
| Net loans and leases to total assets | 58.0194% | 3,941 |
| Net loans and leases to deposits | 66.9007% | 4,061 |
| Net loans and leases to core deposits | 70.2665% | 4,125 |
| Total domestic deposits to total assets | 86.7246% | 2,540 |
| Equity capital to assets | 12.6223% | 1,617 |
| Core capital (leverage) ratio | 12.8380% | 1,221 |
| Tier 1 risk-based capital ratio | 18.7163% | 1,937 |
| Total risk-based capital ratio | 19.9674% | 1,901 |
| Memoranda: | ||
| Average total assets | $183,755,000 | 3,194 |
| Average earning assets | $170,193,000 | 3,173 |
| Average equity | $23,473,000 | 2,888 |
| Average total loans | $107,165,000 | 3,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,416 |
| Cost of funding earning assets | 0.2304% | 5,519 |
| Net interest margin | 3.8458% | 2,441 |
| Noninterest income to average assets | 0.2551% | 5,309 |
| Noninterest expense to average assets | 2.6052% | 4,196 |
| Loan and lease loss provision to assets | 0.0495% | 3,578 |
| Net operating income to assets | 0.7088% | 3,843 |
| Return on assets (ROA) | 0.7341% | 3,822 |
| Pretax return on assets | 1.2101% | 2,611 |
| Return on Equity (ROE) | 5.5719% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.5719% | 2,216 |
| Net charge-offs to loans | -0.0629% | 6,005 |
| Credit loss provision to net charge-offs | -131.2500% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1041% | 3,886 |
| Assets per employee ($millions) | 6.6420% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 1,918 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 56.7218% | 4,236 |
| Net loans and leases to deposits | 65.5303% | 4,375 |
| Net loans and leases to core deposits | 68.4628% | 4,454 |
| Total domestic deposits to total assets | 86.5581% | 2,534 |
| Equity capital to assets | 12.9333% | 1,402 |
| Core capital (leverage) ratio | 12.9161% | 1,174 |
| Tier 1 risk-based capital ratio | 19.4513% | 1,734 |
| Total risk-based capital ratio | 20.7042% | 1,703 |
| Memoranda: | ||
| Average total assets | $169,738,200 | 3,348 |
| Average earning assets | $157,576,400 | 3,321 |
| Average equity | $22,362,400 | 2,909 |
| Average total loans | $101,713,200 | 3,385 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,547 |
| Cost of funding earning assets | 0.2387% | 5,525 |
| Net interest margin | 3.8138% | 2,564 |
| Noninterest income to average assets | 0.2526% | 5,412 |
| Noninterest expense to average assets | 2.5536% | 4,347 |
| Loan and lease loss provision to assets | 0.0677% | 2,990 |
| Net operating income to assets | 0.7005% | 3,938 |
| Return on assets (ROA) | 0.7346% | 3,861 |
| Pretax return on assets | 1.2238% | 2,677 |
| Return on Equity (ROE) | 5.5488% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.5488% | 2,711 |
| Net charge-offs to loans | -0.0829% | 6,082 |
| Credit loss provision to net charge-offs | -134.9206% | 5,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3461% | 3,979 |
| Assets per employee ($millions) | 7.1788% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6376% | 2,175 |
| Loan loss allowance to noncurrent loans | 347.5610% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 5,127 |
| Noncurrent loans to loans | 0.4712% | 4,493 |
| Net loans and leases to total assets | 59.6139% | 3,862 |
| Net loans and leases to deposits | 69.1585% | 4,011 |
| Net loans and leases to core deposits | 72.4667% | 4,103 |
| Total domestic deposits to total assets | 86.1990% | 2,758 |
| Equity capital to assets | 13.2392% | 1,309 |
| Core capital (leverage) ratio | 13.4828% | 1,001 |
| Tier 1 risk-based capital ratio | 19.4554% | 1,791 |
| Total risk-based capital ratio | 20.7082% | 1,762 |
| Memoranda: | ||
| Average total assets | $167,339,000 | 3,399 |
| Average earning assets | $155,291,750 | 3,376 |
| Average equity | $22,154,500 | 2,941 |
| Average total loans | $101,283,500 | 3,422 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,494 |
| Cost of funding earning assets | 0.2448% | 5,536 |
| Net interest margin | 3.8170% | 2,501 |
| Noninterest income to average assets | 0.2426% | 5,458 |
| Noninterest expense to average assets | 2.5639% | 4,371 |
| Loan and lease loss provision to assets | 0.1014% | 2,328 |
| Net operating income to assets | 0.6701% | 3,992 |
| Return on assets (ROA) | 0.6941% | 3,966 |
| Pretax return on assets | 1.1528% | 2,867 |
| Return on Equity (ROE) | 5.2425% | 4,558 |
| Retained earnings to average equity (ytd only) | 5.2425% | 2,806 |
| Net charge-offs to loans | -0.0120% | 5,371 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8161% | 4,040 |
| Assets per employee ($millions) | 6.8557% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6145% | 2,410 |
| Loan loss allowance to noncurrent loans | 327.7778% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 5,146 |
| Noncurrent loans to loans | 0.4926% | 4,517 |
| Net loans and leases to total assets | 61.1848% | 3,542 |
| Net loans and leases to deposits | 71.2070% | 3,680 |
| Net loans and leases to core deposits | 74.7827% | 3,750 |
| Total domestic deposits to total assets | 85.9253% | 3,079 |
| Equity capital to assets | 13.6305% | 1,114 |
| Core capital (leverage) ratio | 13.5084% | 973 |
| Tier 1 risk-based capital ratio | 19.5907% | 1,790 |
| Total risk-based capital ratio | 20.8440% | 1,759 |
| Memoranda: | ||
| Average total assets | $165,688,000 | 3,447 |
| Average earning assets | $153,576,670 | 3,419 |
| Average equity | $21,936,000 | 2,952 |
| Average total loans | $100,238,000 | 3,452 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 3,710 |
| Cost of funding earning assets | 0.2462% | 5,622 |
| Net interest margin | 3.7474% | 2,688 |
| Noninterest income to average assets | 0.2189% | 5,605 |
| Noninterest expense to average assets | 2.5790% | 4,342 |
| Loan and lease loss provision to assets | 0.0962% | 2,322 |
| Net operating income to assets | 0.6139% | 4,134 |
| Return on assets (ROA) | 0.6616% | 3,977 |
| Pretax return on assets | 1.0971% | 2,916 |
| Return on Equity (ROE) | 5.0713% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.0713% | 3,081 |
| Net charge-offs to loans | -0.0202% | 5,366 |
| Credit loss provision to net charge-offs | -800.0000% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7463% | 3,875 |
| Assets per employee ($millions) | 7.2187% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 2,617 |
| Loan loss allowance to noncurrent loans | 313.8672% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 5,227 |
| Noncurrent loans to loans | 0.5160% | 4,623 |
| Net loans and leases to total assets | 58.7996% | 3,725 |
| Net loans and leases to deposits | 68.0845% | 3,846 |
| Net loans and leases to core deposits | 71.9863% | 3,872 |
| Total domestic deposits to total assets | 86.3627% | 3,176 |
| Equity capital to assets | 13.2151% | 1,205 |
| Core capital (leverage) ratio | 13.1289% | 1,113 |
| Tier 1 risk-based capital ratio | 19.4164% | 1,851 |
| Total risk-based capital ratio | 20.6691% | 1,825 |
| Memoranda: | ||
| Average total assets | $166,264,000 | 3,460 |
| Average earning assets | $154,349,000 | 3,431 |
| Average equity | $21,690,500 | 2,974 |
| Average total loans | $99,195,500 | 3,487 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2861% | 3,012 |
| Cost of funding earning assets | 0.2564% | 5,932 |
| Net interest margin | 4.0297% | 1,869 |
| Noninterest income to average assets | 0.2454% | 5,589 |
| Noninterest expense to average assets | 2.7617% | 3,863 |
| Loan and lease loss provision to assets | 0.0790% | 3,530 |
| Net operating income to assets | 1.2213% | 1,484 |
| Return on assets (ROA) | 1.2572% | 1,425 |
| Pretax return on assets | 1.1645% | 2,713 |
| Return on Equity (ROE) | 9.2118% | 2,447 |
| Retained earnings to average equity (ytd only) | 9.2118% | 730 |
| Net charge-offs to loans | 0.0626% | 4,336 |
| Credit loss provision to net charge-offs | 205.0847% | 1,119 |
| Earnings coverage of net charge-offs (x) | 31.3390% | 1,140 |
| Efficiency ratio | 69.5888% | 3,906 |
| Assets per employee ($millions) | 7.2390% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 2,856 |
| Loan loss allowance to noncurrent loans | 259.9002% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3610% | 5,171 |
| Noncurrent loans to loans | 0.6061% | 4,463 |
| Net loans and leases to total assets | 58.6175% | 3,933 |
| Net loans and leases to deposits | 67.7009% | 4,094 |
| Net loans and leases to core deposits | 71.3820% | 4,145 |
| Total domestic deposits to total assets | 86.5830% | 2,950 |
| Equity capital to assets | 12.8770% | 1,334 |
| Core capital (leverage) ratio | 12.9783% | 1,148 |
| Tier 1 risk-based capital ratio | 18.9340% | 1,945 |
| Total risk-based capital ratio | 20.1862% | 1,899 |
| Memoranda: | ||
| Average total assets | $153,203,000 | 3,652 |
| Average earning assets | $141,549,200 | 3,645 |
| Average equity | $20,908,000 | 3,059 |
| Average total loans | $94,224,200 | 3,594 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,778 |
| Cost of funding earning assets | 0.2595% | 6,018 |
| Net interest margin | 4.0925% | 1,655 |
| Noninterest income to average assets | 0.2500% | 5,642 |
| Noninterest expense to average assets | 2.7924% | 3,688 |
| Loan and lease loss provision to assets | 0.0979% | 3,128 |
| Net operating income to assets | 1.2508% | 1,485 |
| Return on assets (ROA) | 1.2979% | 1,420 |
| Pretax return on assets | 1.1805% | 2,779 |
| Return on Equity (ROE) | 9.3636% | 2,457 |
| Retained earnings to average equity (ytd only) | 9.3636% | 946 |
| Net charge-offs to loans | -0.0029% | 5,715 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4008% | 3,853 |
| Assets per employee ($millions) | 7.1709% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 2,751 |
| Loan loss allowance to noncurrent loans | 304.7259% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 5,403 |
| Noncurrent loans to loans | 0.5463% | 4,831 |
| Net loans and leases to total assets | 60.3607% | 3,638 |
| Net loans and leases to deposits | 70.0818% | 3,777 |
| Net loans and leases to core deposits | 74.3608% | 3,796 |
| Total domestic deposits to total assets | 86.1289% | 3,177 |
| Equity capital to assets | 13.3570% | 1,178 |
| Core capital (leverage) ratio | 13.6743% | 959 |
| Tier 1 risk-based capital ratio | 19.0544% | 1,977 |
| Total risk-based capital ratio | 20.3165% | 1,937 |
| Memoranda: | ||
| Average total assets | $149,879,250 | 3,745 |
| Average earning assets | $138,199,250 | 3,734 |
| Average equity | $20,775,000 | 3,101 |
| Average total loans | $92,990,500 | 3,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4081% | 2,531 |
| Cost of funding earning assets | 0.2593% | 6,109 |
| Net interest margin | 4.1488% | 1,412 |
| Noninterest income to average assets | 0.2458% | 5,695 |
| Noninterest expense to average assets | 2.8210% | 3,604 |
| Loan and lease loss provision to assets | 0.0801% | 3,453 |
| Net operating income to assets | 1.2781% | 1,379 |
| Return on assets (ROA) | 1.3501% | 1,279 |
| Pretax return on assets | 1.2414% | 2,512 |
| Return on Equity (ROE) | 9.6150% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.6150% | 939 |
| Net charge-offs to loans | -0.0044% | 5,613 |
| Credit loss provision to net charge-offs | -2,950.0000% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3026% | 3,959 |
| Assets per employee ($millions) | 6.5241% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 2,906 |
| Loan loss allowance to noncurrent loans | 289.9628% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 5,355 |
| Noncurrent loans to loans | 0.5751% | 4,824 |
| Net loans and leases to total assets | 64.0900% | 2,899 |
| Net loans and leases to deposits | 75.3496% | 2,965 |
| Net loans and leases to core deposits | 79.8259% | 3,044 |
| Total domestic deposits to total assets | 85.0569% | 3,865 |
| Equity capital to assets | 14.4784% | 829 |
| Core capital (leverage) ratio | 13.9936% | 825 |
| Tier 1 risk-based capital ratio | 19.6222% | 1,822 |
| Total risk-based capital ratio | 20.8841% | 1,791 |
| Memoranda: | ||
| Average total assets | $147,252,330 | 3,816 |
| Average earning assets | $135,749,330 | 3,795 |
| Average equity | $20,676,000 | 3,129 |
| Average total loans | $91,708,330 | 3,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 3,028 |
| Cost of funding earning assets | 0.2555% | 6,251 |
| Net interest margin | 4.0125% | 1,739 |
| Noninterest income to average assets | 0.2307% | 5,804 |
| Noninterest expense to average assets | 2.8113% | 3,655 |
| Loan and lease loss provision to assets | 0.0966% | 3,069 |
| Net operating income to assets | 1.1374% | 1,723 |
| Return on assets (ROA) | 1.1374% | 1,838 |
| Pretax return on assets | 1.0301% | 3,224 |
| Return on Equity (ROE) | 8.2236% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.2236% | 1,676 |
| Net charge-offs to loans | -0.0044% | 5,245 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3896% | 3,737 |
| Assets per employee ($millions) | 6.7410% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6356% | 3,255 |
| Loan loss allowance to noncurrent loans | 281.5018% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 5,485 |
| Noncurrent loans to loans | 0.5810% | 4,991 |
| Net loans and leases to total assets | 62.3302% | 2,995 |
| Net loans and leases to deposits | 72.8671% | 3,074 |
| Net loans and leases to core deposits | 76.3608% | 3,266 |
| Total domestic deposits to total assets | 85.5396% | 3,777 |
| Equity capital to assets | 14.0558% | 1,005 |
| Core capital (leverage) ratio | 13.3374% | 1,004 |
| Tier 1 risk-based capital ratio | 18.5731% | 2,166 |
| Total risk-based capital ratio | 19.8351% | 2,135 |
| Memoranda: | ||
| Average total assets | $149,113,000 | 3,829 |
| Average earning assets | $137,769,000 | 3,797 |
| Average equity | $20,623,500 | 3,187 |
| Average total loans | $90,788,000 | 3,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 3,274 |
| Cost of funding earning assets | 0.2919% | 6,499 |
| Net interest margin | 4.2393% | 1,546 |
| Noninterest income to average assets | 0.2869% | 5,422 |
| Noninterest expense to average assets | 2.9457% | 3,482 |
| Loan and lease loss provision to assets | 0.1941% | 3,210 |
| Net operating income to assets | 1.3430% | 1,209 |
| Return on assets (ROA) | 1.3651% | 1,289 |
| Pretax return on assets | 1.0875% | 3,208 |
| Return on Equity (ROE) | 9.8880% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.8880% | 616 |
| Net charge-offs to loans | 0.2500% | 3,438 |
| Credit loss provision to net charge-offs | 130.7692% | 2,140 |
| Earnings coverage of net charge-offs (x) | 8.4808% | 2,407 |
| Efficiency ratio | 70.0611% | 3,805 |
| Assets per employee ($millions) | 6.8147% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 2,888 |
| Loan loss allowance to noncurrent loans | 270.2703% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 5,589 |
| Noncurrent loans to loans | 0.6335% | 4,940 |
| Net loans and leases to total assets | 57.4304% | 4,060 |
| Net loans and leases to deposits | 66.8686% | 4,153 |
| Net loans and leases to core deposits | 70.0170% | 4,312 |
| Total domestic deposits to total assets | 85.8855% | 3,411 |
| Equity capital to assets | 13.6082% | 1,189 |
| Core capital (leverage) ratio | 13.4529% | 962 |
| Tier 1 risk-based capital ratio | 19.1348% | 1,922 |
| Total risk-based capital ratio | 20.3974% | 1,890 |
| Memoranda: | ||
| Average total assets | $140,135,000 | 3,952 |
| Average earning assets | $129,502,600 | 3,911 |
| Average equity | $19,346,600 | 3,282 |
| Average total loans | $83,187,600 | 3,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 3,267 |
| Cost of funding earning assets | 0.3014% | 6,610 |
| Net interest margin | 4.2846% | 1,522 |
| Noninterest income to average assets | 0.2876% | 5,481 |
| Noninterest expense to average assets | 2.9728% | 3,332 |
| Loan and lease loss provision to assets | 0.2431% | 2,623 |
| Net operating income to assets | 1.3160% | 1,402 |
| Return on assets (ROA) | 1.3460% | 1,482 |
| Pretax return on assets | 1.0662% | 3,477 |
| Return on Equity (ROE) | 9.7119% | 2,493 |
| Retained earnings to average equity (ytd only) | 9.7119% | 997 |
| Net charge-offs to loans | 0.3379% | 2,768 |
| Credit loss provision to net charge-offs | 120.6731% | 2,400 |
| Earnings coverage of net charge-offs (x) | 6.3509% | 2,811 |
| Efficiency ratio | 69.9157% | 3,702 |
| Assets per employee ($millions) | 6.1065% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 3,250 |
| Loan loss allowance to noncurrent loans | 262.2340% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 5,637 |
| Noncurrent loans to loans | 0.6375% | 5,167 |
| Net loans and leases to total assets | 64.7526% | 2,887 |
| Net loans and leases to deposits | 76.4029% | 2,926 |
| Net loans and leases to core deposits | 81.1315% | 3,074 |
| Total domestic deposits to total assets | 84.7516% | 3,856 |
| Equity capital to assets | 14.7504% | 883 |
| Core capital (leverage) ratio | 13.7942% | 904 |
| Tier 1 risk-based capital ratio | 19.4163% | 1,893 |
| Total risk-based capital ratio | 20.6796% | 1,866 |
| Memoranda: | ||
| Average total assets | $137,687,750 | 4,033 |
| Average earning assets | $127,399,250 | 3,989 |
| Average equity | $19,082,750 | 3,346 |
| Average total loans | $82,084,000 | 4,019 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 3,529 |
| Cost of funding earning assets | 0.3129% | 6,677 |
| Net interest margin | 4.2466% | 1,617 |
| Noninterest income to average assets | 0.2896% | 5,490 |
| Noninterest expense to average assets | 2.9337% | 3,495 |
| Loan and lease loss provision to assets | 0.2421% | 2,643 |
| Net operating income to assets | 1.3285% | 1,366 |
| Return on assets (ROA) | 1.3746% | 1,404 |
| Pretax return on assets | 1.0922% | 3,331 |
| Return on Equity (ROE) | 10.1283% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.1283% | 945 |
| Net charge-offs to loans | 0.5353% | 1,990 |
| Credit loss provision to net charge-offs | 78.5047% | 3,360 |
| Earnings coverage of net charge-offs (x) | 4.1729% | 3,158 |
| Efficiency ratio | 69.5118% | 3,844 |
| Assets per employee ($millions) | 6.3334% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 3,057 |
| Loan loss allowance to noncurrent loans | 243.0070% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 5,755 |
| Noncurrent loans to loans | 0.7174% | 5,073 |
| Net loans and leases to total assets | 56.2285% | 4,431 |
| Net loans and leases to deposits | 65.6511% | 4,547 |
| Net loans and leases to core deposits | 70.1215% | 4,522 |
| Total domestic deposits to total assets | 85.6475% | 3,534 |
| Equity capital to assets | 13.9412% | 1,120 |
| Core capital (leverage) ratio | 13.6591% | 917 |
| Tier 1 risk-based capital ratio | 20.2738% | 1,645 |
| Total risk-based capital ratio | 21.4970% | 1,615 |
| Memoranda: | ||
| Average total assets | $138,803,000 | 4,037 |
| Average earning assets | $128,479,000 | 3,989 |
| Average equity | $18,838,330 | 3,373 |
| Average total loans | $79,955,670 | 4,106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 3,920 |
| Cost of funding earning assets | 0.3353% | 6,703 |
| Net interest margin | 4.1628% | 1,881 |
| Noninterest income to average assets | 0.3263% | 5,258 |
| Noninterest expense to average assets | 2.8613% | 3,780 |
| Loan and lease loss provision to assets | 0.4042% | 1,565 |
| Net operating income to assets | 1.3368% | 1,360 |
| Return on assets (ROA) | 1.3513% | 1,471 |
| Pretax return on assets | 0.9499% | 3,864 |
| Return on Equity (ROE) | 10.0944% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.0944% | 1,249 |
| Net charge-offs to loans | 0.5396% | 1,737 |
| Credit loss provision to net charge-offs | 129.6296% | 1,872 |
| Earnings coverage of net charge-offs (x) | 4.2870% | 2,604 |
| Efficiency ratio | 68.1568% | 4,141 |
| Assets per employee ($millions) | 6.8544% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,915 |
| Loan loss allowance to noncurrent loans | 252.6678% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 5,803 |
| Noncurrent loans to loans | 0.7216% | 5,216 |
| Net loans and leases to total assets | 57.6597% | 4,099 |
| Net loans and leases to deposits | 67.1737% | 4,195 |
| Net loans and leases to core deposits | 70.8591% | 4,315 |
| Total domestic deposits to total assets | 85.8367% | 3,623 |
| Equity capital to assets | 13.7861% | 1,096 |
| Core capital (leverage) ratio | 13.5805% | 915 |
| Tier 1 risk-based capital ratio | 19.7117% | 1,777 |
| Total risk-based capital ratio | 20.9765% | 1,747 |
| Memoranda: | ||
| Average total assets | $138,537,000 | 4,060 |
| Average earning assets | $128,855,000 | 4,008 |
| Average equity | $18,545,000 | 3,416 |
| Average total loans | $80,065,500 | 4,122 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4731% | 5,170 |
| Cost of funding earning assets | 0.4914% | 6,572 |
| Net interest margin | 3.9817% | 2,975 |
| Noninterest income to average assets | 0.3254% | 5,214 |
| Noninterest expense to average assets | 3.1755% | 2,947 |
| Loan and lease loss provision to assets | 0.3536% | 2,883 |
| Net operating income to assets | 0.9160% | 2,540 |
| Return on assets (ROA) | 0.9160% | 2,658 |
| Pretax return on assets | 0.5143% | 4,949 |
| Return on Equity (ROE) | 6.5934% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.5934% | 1,698 |
| Net charge-offs to loans | 0.2109% | 4,467 |
| Credit loss provision to net charge-offs | 266.6667% | 898 |
| Earnings coverage of net charge-offs (x) | 6.5455% | 2,495 |
| Efficiency ratio | 78.5374% | 2,518 |
| Assets per employee ($millions) | 6.9994% | 743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8036% | 2,860 |
| Loan loss allowance to noncurrent loans | 219.9081% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,797 |
| Noncurrent loans to loans | 0.8202% | 5,048 |
| Net loans and leases to total assets | 55.8502% | 4,736 |
| Net loans and leases to deposits | 64.5703% | 4,928 |
| Net loans and leases to core deposits | 68.6273% | 4,950 |
| Total domestic deposits to total assets | 86.4952% | 3,031 |
| Equity capital to assets | 12.9948% | 1,486 |
| Core capital (leverage) ratio | 12.9960% | 1,143 |
| Tier 1 risk-based capital ratio | 19.2343% | 1,836 |
| Total risk-based capital ratio | 20.4619% | 1,803 |
| Memoranda: | ||
| Average total assets | $124,451,600 | 4,286 |
| Average earning assets | $116,206,200 | 4,229 |
| Average equity | $17,290,000 | 3,534 |
| Average total loans | $78,218,400 | 4,208 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 5,298 |
| Cost of funding earning assets | 0.5279% | 6,588 |
| Net interest margin | 3.9558% | 3,129 |
| Noninterest income to average assets | 0.3152% | 5,341 |
| Noninterest expense to average assets | 3.2302% | 2,726 |
| Loan and lease loss provision to assets | 0.3373% | 2,859 |
| Net operating income to assets | 0.7089% | 3,569 |
| Return on assets (ROA) | 0.7089% | 3,735 |
| Pretax return on assets | 0.4435% | 5,332 |
| Return on Equity (ROE) | 5.0083% | 4,527 |
| Retained earnings to average equity (ytd only) | 5.0083% | 3,168 |
| Net charge-offs to loans | 0.1798% | 4,361 |
| Credit loss provision to net charge-offs | 290.4762% | 987 |
| Earnings coverage of net charge-offs (x) | 6.7236% | 2,502 |
| Efficiency ratio | 80.5349% | 2,181 |
| Assets per employee ($millions) | 6.5694% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7163% | 3,215 |
| Loan loss allowance to noncurrent loans | 145.2508% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 5,199 |
| Noncurrent loans to loans | 1.1816% | 4,569 |
| Net loans and leases to total assets | 59.3174% | 4,270 |
| Net loans and leases to deposits | 68.8183% | 4,472 |
| Net loans and leases to core deposits | 72.8115% | 4,604 |
| Total domestic deposits to total assets | 86.1943% | 3,094 |
| Equity capital to assets | 13.3384% | 1,448 |
| Core capital (leverage) ratio | 13.0301% | 1,221 |
| Tier 1 risk-based capital ratio | 18.9854% | 1,943 |
| Total risk-based capital ratio | 20.2495% | 1,914 |
| Memoranda: | ||
| Average total assets | $120,567,750 | 4,403 |
| Average earning assets | $112,641,250 | 4,344 |
| Average equity | $17,064,750 | 3,574 |
| Average total loans | $77,868,250 | 4,249 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 5,048 |
| Cost of funding earning assets | 0.5564% | 6,637 |
| Net interest margin | 4.0245% | 2,716 |
| Noninterest income to average assets | 0.3317% | 5,239 |
| Noninterest expense to average assets | 3.3037% | 2,550 |
| Loan and lease loss provision to assets | 0.3625% | 2,618 |
| Net operating income to assets | 0.6703% | 3,687 |
| Return on assets (ROA) | 0.6703% | 3,807 |
| Pretax return on assets | 0.4258% | 5,314 |
| Return on Equity (ROE) | 4.6359% | 4,624 |
| Retained earnings to average equity (ytd only) | 4.6359% | 3,232 |
| Net charge-offs to loans | 0.3179% | 3,282 |
| Credit loss provision to net charge-offs | 172.3577% | 1,755 |
| Earnings coverage of net charge-offs (x) | 3.7480% | 3,061 |
| Efficiency ratio | 80.7355% | 2,271 |
| Assets per employee ($millions) | 7.1692% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 3,833 |
| Loan loss allowance to noncurrent loans | 180.6358% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 5,893 |
| Noncurrent loans to loans | 0.8680% | 5,219 |
| Net loans and leases to total assets | 57.6101% | 4,705 |
| Net loans and leases to deposits | 66.2326% | 4,967 |
| Net loans and leases to core deposits | 70.2257% | 5,047 |
| Total domestic deposits to total assets | 86.9815% | 2,747 |
| Equity capital to assets | 12.6499% | 1,708 |
| Core capital (leverage) ratio | 14.7935% | 707 |
| Tier 1 risk-based capital ratio | 19.0184% | 1,843 |
| Total risk-based capital ratio | 20.2808% | 1,796 |
| Memoranda: | ||
| Average total assets | $116,961,000 | 4,540 |
| Average earning assets | $109,282,000 | 4,468 |
| Average equity | $16,911,330 | 3,588 |
| Average total loans | $77,392,000 | 4,303 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 3,711 |
| Cost of funding earning assets | 0.6042% | 6,598 |
| Net interest margin | 4.2695% | 1,669 |
| Noninterest income to average assets | 0.3317% | 5,246 |
| Noninterest expense to average assets | 3.5142% | 1,965 |
| Loan and lease loss provision to assets | 0.4099% | 2,142 |
| Net operating income to assets | 0.6447% | 3,776 |
| Return on assets (ROA) | 0.6447% | 3,854 |
| Pretax return on assets | 0.3838% | 5,391 |
| Return on Equity (ROE) | 4.1310% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.1310% | 3,688 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5744% | 2,285 |
| Assets per employee ($millions) | 5.7214% | 1,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 3,459 |
| Loan loss allowance to noncurrent loans | 155.9509% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 5,428 |
| Noncurrent loans to loans | 1.0692% | 4,910 |
| Net loans and leases to total assets | 68.9496% | 2,337 |
| Net loans and leases to deposits | 81.9723% | 2,371 |
| Net loans and leases to core deposits | 88.1396% | 2,578 |
| Total domestic deposits to total assets | 84.1133% | 4,446 |
| Equity capital to assets | 15.4939% | 659 |
| Core capital (leverage) ratio | 15.5314% | 574 |
| Tier 1 risk-based capital ratio | 20.4378% | 1,493 |
| Total risk-based capital ratio | 21.7027% | 1,469 |
| Memoranda: | ||
| Average total assets | $107,334,500 | 4,809 |
| Average earning assets | $99,964,000 | 4,744 |
| Average equity | $16,751,500 | 3,600 |
| Average total loans | $76,226,500 | 4,379 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9104% | 4,974 |
| Cost of funding earning assets | 0.6962% | 6,901 |
| Net interest margin | 4.2143% | 2,130 |
| Noninterest income to average assets | 0.2588% | 5,949 |
| Noninterest expense to average assets | 3.6360% | 1,830 |
| Loan and lease loss provision to assets | 0.5969% | 2,752 |
| Net operating income to assets | 0.1563% | 5,419 |
| Return on assets (ROA) | 0.2609% | 5,230 |
| Pretax return on assets | 0.0824% | 5,732 |
| Return on Equity (ROE) | 1.4962% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.4962% | 4,782 |
| Net charge-offs to loans | 0.5235% | 3,528 |
| Credit loss provision to net charge-offs | 157.8212% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.5196% | 4,612 |
| Efficiency ratio | 86.3522% | 1,654 |
| Assets per employee ($millions) | 5.5769% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 3,883 |
| Loan loss allowance to noncurrent loans | 145.8543% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7512% | 5,504 |
| Noncurrent loans to loans | 1.0442% | 4,979 |
| Net loans and leases to total assets | 70.8443% | 2,345 |
| Net loans and leases to deposits | 84.3906% | 2,389 |
| Net loans and leases to core deposits | 90.1664% | 2,745 |
| Total domestic deposits to total assets | 83.9480% | 4,384 |
| Equity capital to assets | 15.7226% | 637 |
| Core capital (leverage) ratio | 15.5176% | 580 |
| Tier 1 risk-based capital ratio | 20.4833% | 1,404 |
| Total risk-based capital ratio | 21.7469% | 1,382 |
| Memoranda: | ||
| Average total assets | $94,663,600 | 5,138 |
| Average earning assets | $88,770,000 | 5,058 |
| Average equity | $16,508,600 | 3,672 |
| Average total loans | $68,381,400 | 4,739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 5,157 |
| Cost of funding earning assets | 0.7103% | 7,036 |
| Net interest margin | 4.2123% | 2,181 |
| Noninterest income to average assets | 0.2482% | 6,115 |
| Noninterest expense to average assets | 3.7688% | 1,434 |
| Loan and lease loss provision to assets | 0.3658% | 3,707 |
| Net operating income to assets | 0.0466% | 5,892 |
| Return on assets (ROA) | 0.0523% | 6,013 |
| Pretax return on assets | 0.0537% | 5,996 |
| Return on Equity (ROE) | 0.2914% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.2914% | 5,669 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1076% | 1,279 |
| Assets per employee ($millions) | 5.4055% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6998% | 3,150 |
| Loan loss allowance to noncurrent loans | 332.2314% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3534% | 6,504 |
| Noncurrent loans to loans | 0.5116% | 6,174 |
| Net loans and leases to total assets | 67.9087% | 3,240 |
| Net loans and leases to deposits | 81.4255% | 3,195 |
| Net loans and leases to core deposits | 89.0889% | 3,226 |
| Total domestic deposits to total assets | 83.3999% | 4,415 |
| Equity capital to assets | 16.2769% | 623 |
| Core capital (leverage) ratio | 17.1927% | 412 |
| Tier 1 risk-based capital ratio | 21.2895% | 1,314 |
| Total risk-based capital ratio | 22.5558% | 1,290 |
| Memoranda: | ||
| Average total assets | $91,839,000 | 5,294 |
| Average earning assets | $85,779,000 | 5,213 |
| Average equity | $16,470,750 | 3,728 |
| Average total loans | $66,419,500 | 4,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 4,930 |
| Cost of funding earning assets | 0.7354% | 7,109 |
| Net interest margin | 4.2664% | 1,902 |
| Noninterest income to average assets | 0.2653% | 6,018 |
| Noninterest expense to average assets | 3.9788% | 1,069 |
| Loan and lease loss provision to assets | 0.3491% | 3,626 |
| Net operating income to assets | -0.0930% | 6,220 |
| Return on assets (ROA) | -0.0839% | 6,285 |
| Pretax return on assets | -0.0816% | 6,228 |
| Return on Equity (ROE) | -0.4515% | 6,245 |
| Retained earnings to average equity (ytd only) | -0.4515% | 5,836 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9005% | 1,071 |
| Assets per employee ($millions) | 4.7126% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,251 |
| Loan loss allowance to noncurrent loans | 1,065.3846% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 7,097 |
| Noncurrent loans to loans | 0.1548% | 6,952 |
| Net loans and leases to total assets | 73.7801% | 1,958 |
| Net loans and leases to deposits | 90.7757% | 1,729 |
| Net loans and leases to core deposits | 100.0985% | 2,005 |
| Total domestic deposits to total assets | 81.2774% | 5,299 |
| Equity capital to assets | 18.3808% | 385 |
| Core capital (leverage) ratio | 17.8887% | 366 |
| Tier 1 risk-based capital ratio | 23.3514% | 1,020 |
| Total risk-based capital ratio | 24.6054% | 994 |
| Memoranda: | ||
| Average total assets | $88,217,330 | 5,445 |
| Average earning assets | $82,130,670 | 5,365 |
| Average equity | $16,388,670 | 3,739 |
| Average total loans | $64,909,000 | 4,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 5,198 |
| Cost of funding earning assets | 0.7702% | 7,178 |
| Net interest margin | 4.1888% | 2,084 |
| Noninterest income to average assets | 0.2787% | 5,916 |
| Noninterest expense to average assets | 4.0477% | 962 |
| Loan and lease loss provision to assets | 0.5254% | 2,398 |
| Net operating income to assets | -0.4477% | 6,800 |
| Return on assets (ROA) | -0.4294% | 6,820 |
| Pretax return on assets | -0.4249% | 6,735 |
| Return on Equity (ROE) | -2.2991% | 6,669 |
| Retained earnings to average equity (ytd only) | -2.2991% | 6,256 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0088% | 923 |
| Assets per employee ($millions) | 4.7814% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6663% | 3,189 |
| Loan loss allowance to noncurrent loans | 1,027.8846% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,191 |
| Noncurrent loans to loans | 0.1621% | 7,013 |
| Net loans and leases to total assets | 69.4409% | 3,064 |
| Net loans and leases to deposits | 84.9790% | 2,775 |
| Net loans and leases to core deposits | 93.6424% | 2,885 |
| Total domestic deposits to total assets | 81.7154% | 5,190 |
| Equity capital to assets | 17.9654% | 428 |
| Core capital (leverage) ratio | 18.5371% | 343 |
| Tier 1 risk-based capital ratio | 24.1795% | 950 |
| Total risk-based capital ratio | 25.4338% | 929 |
| Memoranda: | ||
| Average total assets | $87,556,500 | 5,526 |
| Average earning assets | $80,500,000 | 5,488 |
| Average equity | $16,354,000 | 3,770 |
| Average total loans | $63,778,500 | 5,098 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3754% | 4,810 |
| Cost of funding earning assets | 1.0220% | 7,166 |
| Net interest margin | 4.3534% | 1,562 |
| Noninterest income to average assets | 0.2006% | 6,667 |
| Noninterest expense to average assets | 4.6522% | 680 |
| Loan and lease loss provision to assets | 0.5853% | 3,451 |
| Net operating income to assets | -1.0703% | 6,624 |
| Return on assets (ROA) | -0.9178% | 6,527 |
| Pretax return on assets | -0.9164% | 6,355 |
| Return on Equity (ROE) | -4.0143% | 6,109 |
| Retained earnings to average equity (ytd only) | -4.0143% | 5,862 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6018% | 772 |
| Assets per employee ($millions) | 4.4351% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 3,700 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.1094% | 2,248 |
| Net loans and leases to deposits | 92.4951% | 1,819 |
| Net loans and leases to core deposits | 114.5265% | 2,455 |
| Total domestic deposits to total assets | 80.1225% | 5,640 |
| Equity capital to assets | 19.4468% | 336 |
| Core capital (leverage) ratio | 19.9975% | 281 |
| Tier 1 risk-based capital ratio | 23.6332% | 980 |
| Total risk-based capital ratio | 25.0193% | 950 |
| Memoranda: | ||
| Average total assets | $72,783,000 | 5,919 |
| Average earning assets | $66,339,200 | 5,927 |
| Average equity | $16,640,600 | 3,749 |
| Average total loans | $54,661,800 | 5,475 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 4,606 |
| Cost of funding earning assets | 1.0837% | 7,209 |
| Net interest margin | 4.3811% | 1,489 |
| Noninterest income to average assets | 0.1964% | 6,811 |
| Noninterest expense to average assets | 4.8936% | 528 |
| Loan and lease loss provision to assets | 0.5092% | 3,348 |
| Net operating income to assets | -1.2453% | 6,985 |
| Return on assets (ROA) | -1.0337% | 6,867 |
| Pretax return on assets | -1.0318% | 6,710 |
| Return on Equity (ROE) | -4.3262% | 6,376 |
| Retained earnings to average equity (ytd only) | -4.3262% | 6,158 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6525% | 632 |
| Assets per employee ($millions) | 4.3618% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 3,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 71.8174% | 3,080 |
| Net loans and leases to deposits | 91.5179% | 2,315 |
| Net loans and leases to core deposits | 114.4963% | 2,781 |
| Total domestic deposits to total assets | 78.4736% | 5,957 |
| Equity capital to assets | 21.0016% | 281 |
| Core capital (leverage) ratio | 21.5399% | 245 |
| Tier 1 risk-based capital ratio | 25.8131% | 830 |
| Total risk-based capital ratio | 27.0683% | 814 |
| Memoranda: | ||
| Average total assets | $69,912,250 | 6,042 |
| Average earning assets | $63,239,750 | 6,065 |
| Average equity | $16,704,000 | 3,767 |
| Average total loans | $52,476,500 | 5,616 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6278% | 3,927 |
| Cost of funding earning assets | 1.1309% | 7,297 |
| Net interest margin | 4.4968% | 1,172 |
| Noninterest income to average assets | 0.1999% | 6,859 |
| Noninterest expense to average assets | 5.0265% | 502 |
| Loan and lease loss provision to assets | 0.4892% | 3,087 |
| Net operating income to assets | -1.3215% | 7,173 |
| Return on assets (ROA) | -0.9904% | 6,976 |
| Pretax return on assets | -0.9874% | 6,808 |
| Return on Equity (ROE) | -3.9581% | 6,477 |
| Retained earnings to average equity (ytd only) | -3.9581% | 6,132 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7584% | 670 |
| Assets per employee ($millions) | 3.9960% | 3,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 4,426 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.5009% | 2,571 |
| Net loans and leases to deposits | 97.4610% | 1,607 |
| Net loans and leases to core deposits | 122.7174% | 2,139 |
| Total domestic deposits to total assets | 76.4417% | 6,454 |
| Equity capital to assets | 23.0967% | 248 |
| Core capital (leverage) ratio | 23.5721% | 238 |
| Tier 1 risk-based capital ratio | 27.7690% | 732 |
| Total risk-based capital ratio | 28.9324% | 718 |
| Memoranda: | ||
| Average total assets | $67,045,330 | 6,190 |
| Average earning assets | $59,597,330 | 6,247 |
| Average equity | $16,775,670 | 3,760 |
| Average total loans | $50,908,330 | 5,725 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 4,077 |
| Cost of funding earning assets | 1.1730% | 7,358 |
| Net interest margin | 4.4731% | 1,186 |
| Noninterest income to average assets | 0.2043% | 6,827 |
| Noninterest expense to average assets | 5.4052% | 381 |
| Loan and lease loss provision to assets | 0.6192% | 2,037 |
| Net operating income to assets | -1.9070% | 7,631 |
| Return on assets (ROA) | -1.2197% | 7,390 |
| Pretax return on assets | -1.2135% | 7,260 |
| Return on Equity (ROE) | -4.6746% | 6,956 |
| Retained earnings to average equity (ytd only) | -4.6746% | 6,510 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.0811% | 493 |
| Assets per employee ($millions) | 4.0127% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 4,720 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.9883% | 2,505 |
| Net loans and leases to deposits | 99.9141% | 1,419 |
| Net loans and leases to core deposits | 126.8103% | 1,859 |
| Total domestic deposits to total assets | 75.0528% | 6,704 |
| Equity capital to assets | 24.4825% | 233 |
| Core capital (leverage) ratio | 25.6648% | 216 |
| Tier 1 risk-based capital ratio | 29.4266% | 660 |
| Total risk-based capital ratio | 30.5391% | 649 |
| Memoranda: | ||
| Average total assets | $64,604,000 | 6,307 |
| Average earning assets | $56,605,000 | 6,393 |
| Average equity | $16,857,000 | 3,754 |
| Average total loans | $49,223,000 | 5,833 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1492% | 7,725 |
| Cost of funding earning assets | 1.2005% | 7,943 |
| Net interest margin | 3.9487% | 3,368 |
| Noninterest income to average assets | 0.1887% | 7,098 |
| Noninterest expense to average assets | 5.7216% | 460 |
| Loan and lease loss provision to assets | 0.7716% | 1,934 |
| Net operating income to assets | -2.7516% | 7,769 |
| Return on assets (ROA) | -2.6221% | 7,711 |
| Pretax return on assets | -2.6202% | 7,622 |
| Return on Equity (ROE) | -8.1534% | 7,134 |
| Retained earnings to average equity (ytd only) | -8.1534% | 6,898 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.8423% | 334 |
| Assets per employee ($millions) | 3.5878% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.6427% | 2,721 |
| Net loans and leases to deposits | 105.5237% | 1,165 |
| Net loans and leases to core deposits | 131.1092% | 1,775 |
| Total domestic deposits to total assets | 71.6832% | 7,059 |
| Equity capital to assets | 27.8938% | 199 |
| Core capital (leverage) ratio | 27.7200% | 214 |
| Tier 1 risk-based capital ratio | 32.9293% | 510 |
| Total risk-based capital ratio | 33.9666% | 508 |
| Memoranda: | ||
| Average total assets | $54,041,200 | 6,620 |
| Average earning assets | $48,648,400 | 6,651 |
| Average equity | $17,379,200 | 3,668 |
| Average total loans | $28,896,200 | 6,776 |