Home > Ben Franklin Bank of Illinois > Performance and Condition Ratios
Ben Franklin Bank of Illinois, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 2,616 |
| Cost of funding earning assets | 1.1726% | 842 |
| Net interest margin | 3.2279% | 3,791 |
| Noninterest income to average assets | 0.1390% | 4,669 |
| Noninterest expense to average assets | 4.0566% | 478 |
| Loan and lease loss provision to assets | 0.1179% | 2,216 |
| Net operating income to assets | -0.9267% | 4,979 |
| Return on assets (ROA) | -0.9267% | 4,960 |
| Pretax return on assets | -0.9394% | 4,947 |
| Return on Equity (ROE) | -9.4092% | 4,994 |
| Retained earnings to average equity (ytd only) | -9.4092% | 4,747 |
| Net charge-offs to loans | -0.0110% | 4,107 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3906% | 91 |
| Assets per employee ($millions) | 3.7207% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,740 |
| Loan loss allowance to noncurrent loans | 226.9129% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 1.0933% | 1,191 |
| Noncurrent loans to loans | 0.5231% | 2,695 |
| Net loans and leases to total assets | 76.9612% | 1,139 |
| Net loans and leases to deposits | 92.6837% | 1,212 |
| Net loans and leases to core deposits | 98.5314% | 1,581 |
| Total domestic deposits to total assets | 83.0364% | 3,099 |
| Equity capital to assets | 9.9455% | 3,842 |
| Core capital (leverage) ratio | 9.6841% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7230% | 1,680 |
| Memoranda: | ||
| Average total assets | $94,956,500 | 4,062 |
| Average earning assets | $91,080,000 | 4,008 |
| Average equity | $9,352,500 | 4,321 |
| Average total loans | $72,639,500 | 3,713 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 2,556 |
| Cost of funding earning assets | 1.0999% | 1,327 |
| Net interest margin | 3.5160% | 3,403 |
| Noninterest income to average assets | 0.1027% | 4,920 |
| Noninterest expense to average assets | 4.5494% | 292 |
| Loan and lease loss provision to assets | -0.1400% | 5,099 |
| Net operating income to assets | -0.9416% | 5,094 |
| Return on assets (ROA) | -0.9416% | 5,097 |
| Pretax return on assets | -0.9520% | 5,090 |
| Return on Equity (ROE) | -9.1185% | 5,113 |
| Retained earnings to average equity (ytd only) | -9.1185% | 5,051 |
| Net charge-offs to loans | -0.1266% | 4,990 |
| Credit loss provision to net charge-offs | 143.6170% | 1,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5837% | 61 |
| Assets per employee ($millions) | 3.8758% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 2,749 |
| Loan loss allowance to noncurrent loans | 7,545.4545% | 104 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 886 |
| Noncurrent loans to loans | 0.0151% | 4,519 |
| Net loans and leases to total assets | 74.3085% | 1,702 |
| Net loans and leases to deposits | 89.0971% | 1,685 |
| Net loans and leases to core deposits | 103.9800% | 1,229 |
| Total domestic deposits to total assets | 83.4018% | 3,070 |
| Equity capital to assets | 9.7569% | 4,146 |
| Core capital (leverage) ratio | 9.5438% | 4,016 |
| Tier 1 risk-based capital ratio | 14.4859% | 3,024 |
| Total risk-based capital ratio | 15.7352% | 2,925 |
| Memoranda: | ||
| Average total assets | $96,430,000 | 4,057 |
| Average earning assets | $92,008,800 | 4,014 |
| Average equity | $9,957,800 | 4,247 |
| Average total loans | $74,263,000 | 3,697 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 2,609 |
| Cost of funding earning assets | 1.0496% | 1,537 |
| Net interest margin | 3.5872% | 3,286 |
| Noninterest income to average assets | 0.1038% | 4,972 |
| Noninterest expense to average assets | 4.4119% | 328 |
| Loan and lease loss provision to assets | -0.1135% | 5,172 |
| Net operating income to assets | -0.7738% | 5,160 |
| Return on assets (ROA) | -0.7738% | 5,164 |
| Pretax return on assets | -0.7738% | 5,158 |
| Return on Equity (ROE) | -7.3912% | 5,184 |
| Retained earnings to average equity (ytd only) | -7.3912% | 5,114 |
| Net charge-offs to loans | -0.1644% | 5,083 |
| Credit loss provision to net charge-offs | 89.1304% | 2,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1767% | 71 |
| Assets per employee ($millions) | 3.9989% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 2,633 |
| Loan loss allowance to noncurrent loans | 5,873.3333% | 124 |
| Noncurrent assets plus other real estate owned to assets | 1.2283% | 1,019 |
| Noncurrent loans to loans | 0.0200% | 4,584 |
| Net loans and leases to total assets | 74.0660% | 1,807 |
| Net loans and leases to deposits | 90.9042% | 1,577 |
| Net loans and leases to core deposits | 114.2350% | 739 |
| Total domestic deposits to total assets | 81.4770% | 3,620 |
| Equity capital to assets | 9.8026% | 4,211 |
| Core capital (leverage) ratio | 9.9288% | 3,710 |
| Tier 1 risk-based capital ratio | 14.3471% | 3,157 |
| Total risk-based capital ratio | 15.5976% | 3,062 |
| Memoranda: | ||
| Average total assets | $96,313,500 | 4,104 |
| Average earning assets | $91,841,500 | 4,059 |
| Average equity | $10,083,750 | 4,273 |
| Average total loans | $74,620,750 | 3,728 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 2,519 |
| Cost of funding earning assets | 0.9677% | 1,835 |
| Net interest margin | 3.6833% | 2,979 |
| Noninterest income to average assets | 0.0925% | 5,068 |
| Noninterest expense to average assets | 4.4440% | 322 |
| Loan and lease loss provision to assets | -0.1725% | 5,241 |
| Net operating income to assets | -0.6646% | 5,201 |
| Return on assets (ROA) | -0.6646% | 5,207 |
| Pretax return on assets | -0.6646% | 5,203 |
| Return on Equity (ROE) | -6.2093% | 5,215 |
| Retained earnings to average equity (ytd only) | -6.2093% | 5,097 |
| Net charge-offs to loans | -0.2416% | 5,154 |
| Credit loss provision to net charge-offs | 91.1111% | 2,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.2070% | 72 |
| Assets per employee ($millions) | 3.7619% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 2,635 |
| Loan loss allowance to noncurrent loans | 4,395.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 1.2606% | 1,034 |
| Noncurrent loans to loans | 0.0268% | 4,589 |
| Net loans and leases to total assets | 75.3941% | 1,647 |
| Net loans and leases to deposits | 93.4852% | 1,313 |
| Net loans and leases to core deposits | 118.9307% | 579 |
| Total domestic deposits to total assets | 80.6482% | 3,903 |
| Equity capital to assets | 10.2556% | 3,741 |
| Core capital (leverage) ratio | 10.4637% | 3,133 |
| Tier 1 risk-based capital ratio | 14.8546% | 2,894 |
| Total risk-based capital ratio | 16.1047% | 2,820 |
| Memoranda: | ||
| Average total assets | $95,093,670 | 4,143 |
| Average earning assets | $90,734,330 | 4,102 |
| Average equity | $10,178,330 | 4,277 |
| Average total loans | $74,518,670 | 3,754 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6660% | 2,331 |
| Cost of funding earning assets | 0.8581% | 2,226 |
| Net interest margin | 3.8079% | 2,498 |
| Noninterest income to average assets | 0.0981% | 5,084 |
| Noninterest expense to average assets | 4.0838% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3499% | 5,234 |
| Return on assets (ROA) | -0.3499% | 5,230 |
| Pretax return on assets | -0.3499% | 5,226 |
| Return on Equity (ROE) | -3.1994% | 5,239 |
| Retained earnings to average equity (ytd only) | -3.1994% | 4,825 |
| Net charge-offs to loans | -0.0269% | 4,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3714% | 111 |
| Assets per employee ($millions) | 3.5843% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 2,627 |
| Loan loss allowance to noncurrent loans | 3,650.0000% | 191 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 938 |
| Noncurrent loans to loans | 0.0326% | 4,627 |
| Net loans and leases to total assets | 77.9455% | 1,162 |
| Net loans and leases to deposits | 98.1674% | 775 |
| Net loans and leases to core deposits | 134.1564% | 254 |
| Total domestic deposits to total assets | 79.4006% | 4,275 |
| Equity capital to assets | 10.9795% | 2,880 |
| Core capital (leverage) ratio | 11.0997% | 2,478 |
| Tier 1 risk-based capital ratio | 15.5601% | 2,625 |
| Total risk-based capital ratio | 16.8109% | 2,545 |
| Memoranda: | ||
| Average total assets | $93,735,500 | 4,206 |
| Average earning assets | $89,498,500 | 4,157 |
| Average equity | $10,252,000 | 4,288 |
| Average total loans | $74,467,000 | 3,795 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 2,279 |
| Cost of funding earning assets | 0.7859% | 1,605 |
| Net interest margin | 3.7681% | 2,791 |
| Noninterest income to average assets | 0.0358% | 5,297 |
| Noninterest expense to average assets | 3.9864% | 540 |
| Loan and lease loss provision to assets | -0.1003% | 5,268 |
| Net operating income to assets | -0.2200% | 5,274 |
| Return on assets (ROA) | -0.2200% | 5,272 |
| Pretax return on assets | -0.2200% | 5,266 |
| Return on Equity (ROE) | -2.2549% | 5,274 |
| Retained earnings to average equity (ytd only) | -2.2549% | 5,138 |
| Net charge-offs to loans | -0.0197% | 4,695 |
| Credit loss provision to net charge-offs | 653.3333% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7357% | 89 |
| Assets per employee ($millions) | 3.6261% | 4,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 2,803 |
| Loan loss allowance to noncurrent loans | 3,110.7143% | 258 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 940 |
| Noncurrent loans to loans | 0.0371% | 4,598 |
| Net loans and leases to total assets | 79.0717% | 1,085 |
| Net loans and leases to deposits | 97.7948% | 920 |
| Net loans and leases to core deposits | 141.4171% | 188 |
| Total domestic deposits to total assets | 80.8547% | 3,928 |
| Equity capital to assets | 10.8953% | 2,796 |
| Core capital (leverage) ratio | 11.1722% | 2,376 |
| Tier 1 risk-based capital ratio | 15.5104% | 2,617 |
| Total risk-based capital ratio | 16.7609% | 2,538 |
| Memoranda: | ||
| Average total assets | $97,731,400 | 4,140 |
| Average earning assets | $94,159,200 | 4,064 |
| Average equity | $9,534,600 | 4,382 |
| Average total loans | $76,262,600 | 3,744 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5070% | 2,274 |
| Cost of funding earning assets | 0.7872% | 1,395 |
| Net interest margin | 3.7198% | 2,943 |
| Noninterest income to average assets | 0.0338% | 5,379 |
| Noninterest expense to average assets | 3.9569% | 553 |
| Loan and lease loss provision to assets | -0.1055% | 5,351 |
| Net operating income to assets | -0.2326% | 5,349 |
| Return on assets (ROA) | -0.2326% | 5,347 |
| Pretax return on assets | -0.2326% | 5,345 |
| Return on Equity (ROE) | -2.4527% | 5,362 |
| Retained earnings to average equity (ytd only) | -2.4527% | 5,224 |
| Net charge-offs to loans | -0.0209% | 4,644 |
| Credit loss provision to net charge-offs | 650.0000% | 560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3423% | 83 |
| Assets per employee ($millions) | 3.6260% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 2,767 |
| Loan loss allowance to noncurrent loans | 2,690.9091% | 270 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 985 |
| Noncurrent loans to loans | 0.0437% | 4,705 |
| Net loans and leases to total assets | 79.2259% | 1,129 |
| Net loans and leases to deposits | 94.2390% | 1,357 |
| Net loans and leases to core deposits | 146.8330% | 154 |
| Total domestic deposits to total assets | 84.0691% | 2,918 |
| Equity capital to assets | 10.8999% | 2,753 |
| Core capital (leverage) ratio | 10.8092% | 2,784 |
| Tier 1 risk-based capital ratio | 15.6109% | 2,597 |
| Total risk-based capital ratio | 16.8613% | 2,538 |
| Memoranda: | ||
| Average total assets | $98,594,500 | 4,165 |
| Average earning assets | $95,019,500 | 4,096 |
| Average equity | $9,350,250 | 4,447 |
| Average total loans | $76,473,500 | 3,773 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,249 |
| Cost of funding earning assets | 0.7713% | 1,277 |
| Net interest margin | 3.6805% | 3,008 |
| Noninterest income to average assets | -0.0040% | 5,505 |
| Noninterest expense to average assets | 3.9487% | 573 |
| Loan and lease loss provision to assets | -0.0960% | 5,422 |
| Net operating income to assets | -0.3079% | 5,415 |
| Return on assets (ROA) | -0.3079% | 5,409 |
| Pretax return on assets | -0.3079% | 5,408 |
| Return on Equity (ROE) | -3.4065% | 5,417 |
| Retained earnings to average equity (ytd only) | -3.4065% | 5,234 |
| Net charge-offs to loans | -0.0182% | 4,526 |
| Credit loss provision to net charge-offs | 685.7143% | 567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3931% | 92 |
| Assets per employee ($millions) | 3.7458% | 4,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 2,719 |
| Loan loss allowance to noncurrent loans | 2,467.5676% | 285 |
| Noncurrent assets plus other real estate owned to assets | 1.3256% | 1,062 |
| Noncurrent loans to loans | 0.0486% | 4,697 |
| Net loans and leases to total assets | 77.2250% | 1,438 |
| Net loans and leases to deposits | 91.4242% | 1,659 |
| Net loans and leases to core deposits | 134.0516% | 263 |
| Total domestic deposits to total assets | 84.4690% | 2,884 |
| Equity capital to assets | 10.5697% | 3,051 |
| Core capital (leverage) ratio | 10.6512% | 2,868 |
| Tier 1 risk-based capital ratio | 15.4824% | 2,645 |
| Total risk-based capital ratio | 16.7337% | 2,585 |
| Memoranda: | ||
| Average total assets | $100,034,000 | 4,174 |
| Average earning assets | $96,454,330 | 4,109 |
| Average equity | $9,041,670 | 4,537 |
| Average total loans | $76,771,670 | 3,782 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4183% | 2,133 |
| Cost of funding earning assets | 0.7773% | 1,065 |
| Net interest margin | 3.6410% | 3,024 |
| Noninterest income to average assets | 0.0868% | 5,373 |
| Noninterest expense to average assets | 3.8873% | 600 |
| Loan and lease loss provision to assets | 0.0671% | 2,426 |
| Net operating income to assets | -0.3552% | 5,478 |
| Return on assets (ROA) | -0.3552% | 5,474 |
| Pretax return on assets | -0.3552% | 5,475 |
| Return on Equity (ROE) | -4.2778% | 5,489 |
| Retained earnings to average equity (ytd only) | -4.2778% | 5,160 |
| Net charge-offs to loans | -0.0104% | 4,265 |
| Credit loss provision to net charge-offs | -850.0000% | 4,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0044% | 111 |
| Assets per employee ($millions) | 3.9055% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,559 |
| Loan loss allowance to noncurrent loans | 2,373.1707% | 293 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 1,117 |
| Noncurrent loans to loans | 0.0523% | 4,748 |
| Net loans and leases to total assets | 76.1768% | 1,508 |
| Net loans and leases to deposits | 89.5735% | 1,739 |
| Net loans and leases to core deposits | 138.4716% | 232 |
| Total domestic deposits to total assets | 85.0439% | 2,915 |
| Equity capital to assets | 10.1995% | 3,395 |
| Core capital (leverage) ratio | 10.1942% | 3,312 |
| Tier 1 risk-based capital ratio | 15.3807% | 2,703 |
| Total risk-based capital ratio | 16.6322% | 2,643 |
| Memoranda: | ||
| Average total assets | $101,355,000 | 4,205 |
| Average earning assets | $97,775,500 | 4,132 |
| Average equity | $8,415,500 | 4,681 |
| Average total loans | $77,095,500 | 3,805 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,611 |
| Cost of funding earning assets | 0.6563% | 1,265 |
| Net interest margin | 3.5644% | 3,289 |
| Noninterest income to average assets | 0.1530% | 5,194 |
| Noninterest expense to average assets | 4.4681% | 325 |
| Loan and lease loss provision to assets | 0.0749% | 2,702 |
| Net operating income to assets | -0.9330% | 5,576 |
| Return on assets (ROA) | -0.9330% | 5,577 |
| Pretax return on assets | -0.9790% | 5,597 |
| Return on Equity (ROE) | -12.7166% | 5,616 |
| Retained earnings to average equity (ytd only) | -12.7166% | 5,575 |
| Net charge-offs to loans | 0.0278% | 3,254 |
| Credit loss provision to net charge-offs | 350.0000% | 837 |
| Earnings coverage of net charge-offs (x) | -42.2500% | 4,115 |
| Efficiency ratio | 125.3678% | 51 |
| Assets per employee ($millions) | 3.8910% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,434 |
| Loan loss allowance to noncurrent loans | 162.5213% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 1,133 |
| Noncurrent loans to loans | 0.7737% | 2,277 |
| Net loans and leases to total assets | 74.0476% | 1,913 |
| Net loans and leases to deposits | 83.3892% | 2,564 |
| Net loans and leases to core deposits | 127.9436% | 388 |
| Total domestic deposits to total assets | 88.7976% | 1,086 |
| Equity capital to assets | 6.3994% | 5,620 |
| Core capital (leverage) ratio | 6.5884% | 5,617 |
| Tier 1 risk-based capital ratio | 9.8128% | 5,565 |
| Total risk-based capital ratio | 11.0647% | 5,529 |
| Memoranda: | ||
| Average total assets | $93,462,200 | 4,359 |
| Average earning assets | $89,441,200 | 4,298 |
| Average equity | $6,857,200 | 4,961 |
| Average total loans | $72,012,600 | 3,917 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2123% | 2,567 |
| Cost of funding earning assets | 0.6046% | 1,503 |
| Net interest margin | 3.6077% | 3,120 |
| Noninterest income to average assets | 0.1471% | 5,273 |
| Noninterest expense to average assets | 4.5620% | 304 |
| Loan and lease loss provision to assets | 0.1864% | 1,053 |
| Net operating income to assets | -1.0968% | 5,674 |
| Return on assets (ROA) | -1.0968% | 5,673 |
| Pretax return on assets | -1.1594% | 5,675 |
| Return on Equity (ROE) | -14.4394% | 5,696 |
| Retained earnings to average equity (ytd only) | -14.4394% | 5,658 |
| Net charge-offs to loans | 0.0394% | 2,652 |
| Credit loss provision to net charge-offs | 609.5238% | 538 |
| Earnings coverage of net charge-offs (x) | -31.8086% | 3,783 |
| Efficiency ratio | 127.1104% | 53 |
| Assets per employee ($millions) | 3.8781% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,322 |
| Loan loss allowance to noncurrent loans | 170.7770% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2952% | 1,240 |
| Noncurrent loans to loans | 0.7660% | 2,445 |
| Net loans and leases to total assets | 75.6501% | 1,650 |
| Net loans and leases to deposits | 85.3642% | 2,386 |
| Net loans and leases to core deposits | 90.4840% | 2,564 |
| Total domestic deposits to total assets | 88.6205% | 1,057 |
| Equity capital to assets | 6.5734% | 5,684 |
| Core capital (leverage) ratio | 6.9869% | 5,672 |
| Tier 1 risk-based capital ratio | 10.0433% | 5,589 |
| Total risk-based capital ratio | 11.2959% | 5,546 |
| Memoranda: | ||
| Average total assets | $91,536,250 | 4,440 |
| Average earning assets | $87,329,000 | 4,385 |
| Average equity | $6,953,000 | 5,003 |
| Average total loans | $71,049,500 | 3,969 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,382 |
| Cost of funding earning assets | 0.5545% | 1,749 |
| Net interest margin | 3.6698% | 2,754 |
| Noninterest income to average assets | 0.1741% | 5,182 |
| Noninterest expense to average assets | 4.8418% | 244 |
| Loan and lease loss provision to assets | 0.2488% | 670 |
| Net operating income to assets | -1.3330% | 5,739 |
| Return on assets (ROA) | -1.3456% | 5,738 |
| Pretax return on assets | -1.4428% | 5,744 |
| Return on Equity (ROE) | -16.8523% | 5,746 |
| Retained earnings to average equity (ytd only) | -16.8523% | 5,711 |
| Net charge-offs to loans | 0.0725% | 1,900 |
| Credit loss provision to net charge-offs | 440.0000% | 734 |
| Earnings coverage of net charge-offs (x) | -20.8800% | 3,492 |
| Efficiency ratio | 132.2421% | 47 |
| Assets per employee ($millions) | 3.4877% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 2,269 |
| Loan loss allowance to noncurrent loans | 166.4983% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 1.5395% | 970 |
| Noncurrent loans to loans | 0.7994% | 2,408 |
| Net loans and leases to total assets | 80.8516% | 831 |
| Net loans and leases to deposits | 90.5685% | 1,658 |
| Net loans and leases to core deposits | 93.1163% | 2,237 |
| Total domestic deposits to total assets | 89.2712% | 819 |
| Equity capital to assets | 7.4955% | 5,656 |
| Core capital (leverage) ratio | 7.5393% | 5,650 |
| Tier 1 risk-based capital ratio | 10.8029% | 5,341 |
| Total risk-based capital ratio | 12.0560% | 5,266 |
| Memoranda: | ||
| Average total assets | $88,438,330 | 4,517 |
| Average earning assets | $84,037,670 | 4,464 |
| Average equity | $7,061,330 | 5,012 |
| Average total loans | $68,969,670 | 4,043 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 2,530 |
| Cost of funding earning assets | 0.5230% | 1,915 |
| Net interest margin | 3.6128% | 2,840 |
| Noninterest income to average assets | 0.1512% | 5,354 |
| Noninterest expense to average assets | 5.0254% | 230 |
| Loan and lease loss provision to assets | 0.2840% | 501 |
| Net operating income to assets | -1.6858% | 5,808 |
| Return on assets (ROA) | -1.6858% | 5,807 |
| Pretax return on assets | -1.7408% | 5,806 |
| Return on Equity (ROE) | -20.4629% | 5,821 |
| Retained earnings to average equity (ytd only) | -20.4629% | 5,733 |
| Net charge-offs to loans | 0.1689% | 969 |
| Credit loss provision to net charge-offs | 221.4286% | 950 |
| Earnings coverage of net charge-offs (x) | -11.3571% | 2,918 |
| Efficiency ratio | 140.8216% | 40 |
| Assets per employee ($millions) | 3.4369% | 4,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 2,295 |
| Loan loss allowance to noncurrent loans | 85.8188% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.4799% | 466 |
| Noncurrent loans to loans | 1.5762% | 1,242 |
| Net loans and leases to total assets | 76.5488% | 1,322 |
| Net loans and leases to deposits | 86.2326% | 2,012 |
| Net loans and leases to core deposits | 87.9048% | 2,558 |
| Total domestic deposits to total assets | 88.7701% | 1,278 |
| Equity capital to assets | 7.8547% | 5,584 |
| Core capital (leverage) ratio | 8.0837% | 5,517 |
| Tier 1 risk-based capital ratio | 11.8550% | 4,808 |
| Total risk-based capital ratio | 13.1094% | 4,715 |
| Memoranda: | ||
| Average total assets | $87,317,000 | 4,578 |
| Average earning assets | $82,595,000 | 4,537 |
| Average equity | $7,193,500 | 5,028 |
| Average total loans | $66,301,500 | 4,126 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8146% | 3,855 |
| Cost of funding earning assets | 0.4342% | 2,663 |
| Net interest margin | 3.3804% | 3,890 |
| Noninterest income to average assets | 0.1396% | 5,488 |
| Noninterest expense to average assets | 4.8542% | 283 |
| Loan and lease loss provision to assets | -0.1554% | 5,746 |
| Net operating income to assets | -1.3975% | 5,857 |
| Return on assets (ROA) | -1.3975% | 5,858 |
| Pretax return on assets | -1.3453% | 5,847 |
| Return on Equity (ROE) | -14.2981% | 5,859 |
| Retained earnings to average equity (ytd only) | -14.2981% | 5,823 |
| Net charge-offs to loans | -0.0700% | 5,480 |
| Credit loss provision to net charge-offs | 312.1951% | 956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.7502% | 36 |
| Assets per employee ($millions) | 3.2798% | 5,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,966 |
| Loan loss allowance to noncurrent loans | 48.7594% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 2.6526% | 431 |
| Noncurrent loans to loans | 2.9307% | 475 |
| Net loans and leases to total assets | 73.1255% | 1,994 |
| Net loans and leases to deposits | 83.2392% | 2,509 |
| Net loans and leases to core deposits | 83.9961% | 3,025 |
| Total domestic deposits to total assets | 87.8498% | 1,711 |
| Equity capital to assets | 8.6404% | 5,155 |
| Core capital (leverage) ratio | 9.2518% | 4,405 |
| Tier 1 risk-based capital ratio | 13.2771% | 3,909 |
| Total risk-based capital ratio | 14.5307% | 3,819 |
| Memoranda: | ||
| Average total assets | $82,362,000 | 4,688 |
| Average earning assets | $78,305,200 | 4,623 |
| Average equity | $8,050,000 | 4,930 |
| Average total loans | $58,563,200 | 4,346 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7991% | 3,921 |
| Cost of funding earning assets | 0.4343% | 2,691 |
| Net interest margin | 3.3648% | 3,971 |
| Noninterest income to average assets | 0.0343% | 5,871 |
| Noninterest expense to average assets | 4.7985% | 302 |
| Loan and lease loss provision to assets | -0.2091% | 5,873 |
| Net operating income to assets | -1.3050% | 5,920 |
| Return on assets (ROA) | -1.3050% | 5,922 |
| Pretax return on assets | -1.3409% | 5,918 |
| Return on Equity (ROE) | -12.9592% | 5,917 |
| Retained earnings to average equity (ytd only) | -12.9592% | 5,875 |
| Net charge-offs to loans | -0.2300% | 5,794 |
| Credit loss provision to net charge-offs | 129.2929% | 1,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.7124% | 38 |
| Assets per employee ($millions) | 3.1952% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 1,223 |
| Loan loss allowance to noncurrent loans | 57.6048% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 2.9682% | 389 |
| Noncurrent loans to loans | 2.9533% | 519 |
| Net loans and leases to total assets | 69.5835% | 2,555 |
| Net loans and leases to deposits | 78.1585% | 3,169 |
| Net loans and leases to core deposits | 78.9052% | 3,566 |
| Total domestic deposits to total assets | 89.0287% | 893 |
| Equity capital to assets | 9.7921% | 4,369 |
| Core capital (leverage) ratio | 9.6965% | 3,939 |
| Tier 1 risk-based capital ratio | 15.5848% | 2,796 |
| Total risk-based capital ratio | 16.8423% | 2,726 |
| Memoranda: | ||
| Average total assets | $81,634,000 | 4,744 |
| Average earning assets | $77,981,250 | 4,663 |
| Average equity | $8,220,500 | 4,943 |
| Average total loans | $57,388,750 | 4,395 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,233 |
| Cost of funding earning assets | 0.4248% | 2,778 |
| Net interest margin | 3.2939% | 4,258 |
| Noninterest income to average assets | 0.1460% | 5,577 |
| Noninterest expense to average assets | 4.7508% | 312 |
| Loan and lease loss provision to assets | -0.0803% | 5,855 |
| Net operating income to assets | -1.3136% | 5,992 |
| Return on assets (ROA) | -1.3136% | 5,994 |
| Pretax return on assets | -1.3744% | 5,989 |
| Return on Equity (ROE) | -12.9290% | 5,992 |
| Retained earnings to average equity (ytd only) | -12.9290% | 5,912 |
| Net charge-offs to loans | -0.0798% | 5,544 |
| Credit loss provision to net charge-offs | 143.4783% | 1,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.1328% | 47 |
| Assets per employee ($millions) | 3.3688% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,270 |
| Loan loss allowance to noncurrent loans | 68.1723% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 2.3685% | 620 |
| Noncurrent loans to loans | 2.4985% | 700 |
| Net loans and leases to total assets | 70.0218% | 2,481 |
| Net loans and leases to deposits | 78.9992% | 3,056 |
| Net loans and leases to core deposits | 79.7459% | 3,485 |
| Total domestic deposits to total assets | 88.6360% | 1,092 |
| Equity capital to assets | 10.0010% | 4,225 |
| Core capital (leverage) ratio | 9.8878% | 3,700 |
| Tier 1 risk-based capital ratio | 16.0218% | 2,632 |
| Total risk-based capital ratio | 17.2790% | 2,568 |
| Memoranda: | ||
| Average total assets | $82,218,330 | 4,765 |
| Average earning assets | $78,630,670 | 4,685 |
| Average equity | $8,353,330 | 4,956 |
| Average total loans | $57,669,670 | 4,417 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9071% | 3,567 |
| Cost of funding earning assets | 0.4313% | 2,760 |
| Net interest margin | 3.4757% | 3,571 |
| Noninterest income to average assets | 0.1448% | 5,621 |
| Noninterest expense to average assets | 4.7816% | 316 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.1628% | 6,040 |
| Return on assets (ROA) | -1.1628% | 6,042 |
| Pretax return on assets | -1.2931% | 6,041 |
| Return on Equity (ROE) | -11.3585% | 6,037 |
| Retained earnings to average equity (ytd only) | -11.3585% | 5,850 |
| Net charge-offs to loans | -0.1456% | 5,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.0678% | 59 |
| Assets per employee ($millions) | 3.2698% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 1,194 |
| Loan loss allowance to noncurrent loans | 70.1803% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.3463% | 664 |
| Noncurrent loans to loans | 2.5349% | 731 |
| Net loans and leases to total assets | 68.3507% | 2,604 |
| Net loans and leases to deposits | 77.2199% | 3,087 |
| Net loans and leases to core deposits | 77.6707% | 3,525 |
| Total domestic deposits to total assets | 88.5144% | 1,348 |
| Equity capital to assets | 10.2611% | 3,785 |
| Core capital (leverage) ratio | 10.0396% | 3,488 |
| Tier 1 risk-based capital ratio | 17.1991% | 2,215 |
| Total risk-based capital ratio | 18.4594% | 2,180 |
| Memoranda: | ||
| Average total assets | $82,901,500 | 4,789 |
| Average earning assets | $79,753,000 | 4,712 |
| Average equity | $8,487,000 | 4,955 |
| Average total loans | $57,707,000 | 4,453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6093% | 4,648 |
| Cost of funding earning assets | 0.4643% | 2,491 |
| Net interest margin | 3.1450% | 4,792 |
| Noninterest income to average assets | 0.3665% | 4,284 |
| Noninterest expense to average assets | 4.4928% | 417 |
| Loan and lease loss provision to assets | -0.0460% | 5,733 |
| Net operating income to assets | -1.0778% | 6,104 |
| Return on assets (ROA) | -1.0778% | 6,106 |
| Pretax return on assets | -1.0606% | 6,103 |
| Return on Equity (ROE) | -10.7856% | 6,108 |
| Retained earnings to average equity (ytd only) | -10.7856% | 6,047 |
| Net charge-offs to loans | 0.2971% | 1,021 |
| Credit loss provision to net charge-offs | -22.8571% | 4,995 |
| Earnings coverage of net charge-offs (x) | -5.5029% | 4,408 |
| Efficiency ratio | 132.6773% | 61 |
| Assets per employee ($millions) | 3.2330% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 1,364 |
| Loan loss allowance to noncurrent loans | 90.1729% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.8737% | 980 |
| Noncurrent loans to loans | 1.8777% | 1,142 |
| Net loans and leases to total assets | 68.4500% | 2,637 |
| Net loans and leases to deposits | 77.2796% | 3,132 |
| Net loans and leases to core deposits | 77.7170% | 3,577 |
| Total domestic deposits to total assets | 88.5744% | 1,341 |
| Equity capital to assets | 10.2145% | 3,730 |
| Core capital (leverage) ratio | 9.9779% | 3,542 |
| Tier 1 risk-based capital ratio | 17.2492% | 2,202 |
| Total risk-based capital ratio | 18.5078% | 2,155 |
| Memoranda: | ||
| Average total assets | $87,029,000 | 4,728 |
| Average earning assets | $83,562,200 | 4,645 |
| Average equity | $8,696,800 | 4,912 |
| Average total loans | $58,894,400 | 4,407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 4,813 |
| Cost of funding earning assets | 0.4655% | 2,531 |
| Net interest margin | 3.1064% | 4,946 |
| Noninterest income to average assets | 0.4284% | 3,880 |
| Noninterest expense to average assets | 4.4387% | 425 |
| Loan and lease loss provision to assets | 0.0835% | 2,502 |
| Net operating income to assets | -1.0907% | 6,197 |
| Return on assets (ROA) | -1.0907% | 6,196 |
| Pretax return on assets | -1.1135% | 6,195 |
| Return on Equity (ROE) | -10.9727% | 6,191 |
| Retained earnings to average equity (ytd only) | -10.9727% | 6,140 |
| Net charge-offs to loans | 0.6645% | 329 |
| Credit loss provision to net charge-offs | 18.7075% | 3,376 |
| Earnings coverage of net charge-offs (x) | -2.3061% | 4,084 |
| Efficiency ratio | 130.2139% | 72 |
| Assets per employee ($millions) | 3.2754% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6885% | 1,499 |
| Loan loss allowance to noncurrent loans | 84.5280% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.9023% | 1,096 |
| Noncurrent loans to loans | 1.9975% | 1,162 |
| Net loans and leases to total assets | 66.1155% | 2,989 |
| Net loans and leases to deposits | 74.7560% | 3,450 |
| Net loans and leases to core deposits | 75.1732% | 3,887 |
| Total domestic deposits to total assets | 88.4418% | 1,315 |
| Equity capital to assets | 10.3957% | 3,713 |
| Core capital (leverage) ratio | 10.1084% | 3,492 |
| Tier 1 risk-based capital ratio | 18.0563% | 2,006 |
| Total risk-based capital ratio | 19.3143% | 1,971 |
| Memoranda: | ||
| Average total assets | $87,772,000 | 4,772 |
| Average earning assets | $84,212,000 | 4,687 |
| Average equity | $8,724,500 | 4,969 |
| Average total loans | $58,986,000 | 4,453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5162% | 4,942 |
| Cost of funding earning assets | 0.4636% | 2,575 |
| Net interest margin | 3.0526% | 5,086 |
| Noninterest income to average assets | 0.2369% | 5,260 |
| Noninterest expense to average assets | 4.5125% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.3380% | 6,283 |
| Return on assets (ROA) | -1.3380% | 6,282 |
| Pretax return on assets | -1.3492% | 6,276 |
| Return on Equity (ROE) | -13.6610% | 6,275 |
| Retained earnings to average equity (ytd only) | -13.6610% | 6,223 |
| Net charge-offs to loans | 0.0806% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -24.9167% | 3,865 |
| Efficiency ratio | 142.6534% | 54 |
| Assets per employee ($millions) | 3.4475% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0406% | 924 |
| Loan loss allowance to noncurrent loans | 80.2444% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.5325% | 741 |
| Noncurrent loans to loans | 2.5430% | 871 |
| Net loans and leases to total assets | 63.3023% | 3,369 |
| Net loans and leases to deposits | 73.1519% | 3,598 |
| Net loans and leases to core deposits | 73.7883% | 3,970 |
| Total domestic deposits to total assets | 86.5354% | 2,410 |
| Equity capital to assets | 10.0006% | 4,040 |
| Core capital (leverage) ratio | 10.1801% | 3,362 |
| Tier 1 risk-based capital ratio | 17.6318% | 2,179 |
| Total risk-based capital ratio | 18.8943% | 2,125 |
| Memoranda: | ||
| Average total assets | $88,642,670 | 4,801 |
| Average earning assets | $84,978,000 | 4,711 |
| Average equity | $8,681,670 | 5,016 |
| Average total loans | $59,557,670 | 4,479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 4,800 |
| Cost of funding earning assets | 0.4641% | 2,630 |
| Net interest margin | 3.0970% | 4,965 |
| Noninterest income to average assets | 0.2723% | 5,003 |
| Noninterest expense to average assets | 4.7149% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.4067% | 6,345 |
| Return on assets (ROA) | -1.4067% | 6,349 |
| Pretax return on assets | -1.4748% | 6,348 |
| Return on Equity (ROE) | -14.5191% | 6,344 |
| Retained earnings to average equity (ytd only) | -14.5191% | 6,217 |
| Net charge-offs to loans | 0.1789% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -12.0370% | 3,249 |
| Efficiency ratio | 145.5182% | 54 |
| Assets per employee ($millions) | 3.3387% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 1,092 |
| Loan loss allowance to noncurrent loans | 95.6981% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 1,196 |
| Noncurrent loans to loans | 2.0834% | 1,237 |
| Net loans and leases to total assets | 66.7634% | 2,639 |
| Net loans and leases to deposits | 75.8938% | 3,071 |
| Net loans and leases to core deposits | 76.5635% | 3,535 |
| Total domestic deposits to total assets | 87.9696% | 1,843 |
| Equity capital to assets | 10.6676% | 3,350 |
| Core capital (leverage) ratio | 10.4597% | 3,022 |
| Tier 1 risk-based capital ratio | 17.9643% | 2,143 |
| Total risk-based capital ratio | 19.2269% | 2,098 |
| Memoranda: | ||
| Average total assets | $88,146,500 | 4,855 |
| Average earning assets | $84,467,500 | 4,762 |
| Average equity | $8,540,500 | 5,089 |
| Average total loans | $60,375,000 | 4,482 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7160% | 4,733 |
| Cost of funding earning assets | 0.5107% | 2,567 |
| Net interest margin | 3.2053% | 4,897 |
| Noninterest income to average assets | -0.1611% | 6,470 |
| Noninterest expense to average assets | 4.3952% | 505 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.4901% | 6,430 |
| Return on assets (ROA) | -1.4901% | 6,428 |
| Pretax return on assets | -1.4890% | 6,419 |
| Return on Equity (ROE) | -16.4583% | 6,420 |
| Retained earnings to average equity (ytd only) | -16.4583% | 6,395 |
| Net charge-offs to loans | 0.1456% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -14.2500% | 4,928 |
| Efficiency ratio | 151.2360% | 52 |
| Assets per employee ($millions) | 3.4418% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9573% | 1,186 |
| Loan loss allowance to noncurrent loans | 93.1274% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 1,277 |
| Noncurrent loans to loans | 2.1017% | 1,296 |
| Net loans and leases to total assets | 67.5074% | 2,644 |
| Net loans and leases to deposits | 74.8439% | 3,331 |
| Net loans and leases to core deposits | 75.6556% | 3,752 |
| Total domestic deposits to total assets | 90.1976% | 652 |
| Equity capital to assets | 8.7397% | 5,543 |
| Core capital (leverage) ratio | 8.7368% | 5,312 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,929 |
| Total risk-based capital ratio | 15.5190% | 3,847 |
| Memoranda: | ||
| Average total assets | $91,873,400 | 4,789 |
| Average earning assets | $87,916,400 | 4,701 |
| Average equity | $8,318,000 | 5,124 |
| Average total loans | $65,921,400 | 4,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,707 |
| Cost of funding earning assets | 0.5252% | 2,514 |
| Net interest margin | 3.2266% | 4,871 |
| Noninterest income to average assets | -0.1961% | 6,554 |
| Noninterest expense to average assets | 4.1396% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.2458% | 6,484 |
| Return on assets (ROA) | -1.2458% | 6,483 |
| Pretax return on assets | -1.2443% | 6,474 |
| Return on Equity (ROE) | -13.6453% | 6,482 |
| Retained earnings to average equity (ytd only) | -13.6453% | 6,432 |
| Net charge-offs to loans | 0.0139% | 4,274 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -123.3269% | 4,689 |
| Efficiency ratio | 142.9781% | 68 |
| Assets per employee ($millions) | 3.3548% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 1,148 |
| Loan loss allowance to noncurrent loans | 95.0808% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.3800% | 1,141 |
| Noncurrent loans to loans | 2.1675% | 1,413 |
| Net loans and leases to total assets | 70.5535% | 2,101 |
| Net loans and leases to deposits | 78.4082% | 2,904 |
| Net loans and leases to core deposits | 78.6597% | 3,476 |
| Total domestic deposits to total assets | 89.9823% | 739 |
| Equity capital to assets | 9.1154% | 5,239 |
| Core capital (leverage) ratio | 9.1135% | 4,913 |
| Tier 1 risk-based capital ratio | 14.3497% | 3,987 |
| Total risk-based capital ratio | 15.6133% | 3,908 |
| Memoranda: | ||
| Average total assets | $92,469,750 | 4,828 |
| Average earning assets | $88,594,750 | 4,736 |
| Average equity | $8,442,250 | 5,144 |
| Average total loans | $66,997,500 | 4,309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 4,710 |
| Cost of funding earning assets | 0.5292% | 2,548 |
| Net interest margin | 3.2175% | 4,884 |
| Noninterest income to average assets | -0.0998% | 6,604 |
| Noninterest expense to average assets | 4.0184% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.0232% | 6,530 |
| Return on assets (ROA) | -1.0232% | 6,528 |
| Pretax return on assets | -1.0338% | 6,514 |
| Return on Equity (ROE) | -11.2015% | 6,526 |
| Retained earnings to average equity (ytd only) | -11.2015% | 6,446 |
| Net charge-offs to loans | 0.0234% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -60.8750% | 4,358 |
| Efficiency ratio | 134.6373% | 82 |
| Assets per employee ($millions) | 3.5395% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 1,398 |
| Loan loss allowance to noncurrent loans | 92.8930% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5623% | 1,083 |
| Noncurrent loans to loans | 2.1317% | 1,559 |
| Net loans and leases to total assets | 69.6027% | 2,142 |
| Net loans and leases to deposits | 77.2992% | 2,891 |
| Net loans and leases to core deposits | 77.5331% | 3,493 |
| Total domestic deposits to total assets | 90.0432% | 786 |
| Equity capital to assets | 9.0635% | 5,233 |
| Core capital (leverage) ratio | 9.0534% | 4,938 |
| Tier 1 risk-based capital ratio | 14.3628% | 4,018 |
| Total risk-based capital ratio | 15.6249% | 3,946 |
| Memoranda: | ||
| Average total assets | $94,217,670 | 4,819 |
| Average earning assets | $90,318,330 | 4,722 |
| Average equity | $8,606,000 | 5,135 |
| Average total loans | $68,384,670 | 4,285 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7926% | 4,513 |
| Cost of funding earning assets | 0.5299% | 2,607 |
| Net interest margin | 3.2627% | 4,696 |
| Noninterest income to average assets | 0.1930% | 5,803 |
| Noninterest expense to average assets | 4.0037% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6715% | 6,515 |
| Return on assets (ROA) | -0.6715% | 6,514 |
| Pretax return on assets | -0.6841% | 6,503 |
| Return on Equity (ROE) | -7.3239% | 6,520 |
| Retained earnings to average equity (ytd only) | -7.3239% | 6,256 |
| Net charge-offs to loans | -0.8469% | 6,612 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6068% | 170 |
| Assets per employee ($millions) | 3.7730% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 1,262 |
| Loan loss allowance to noncurrent loans | 74.8967% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 3.2049% | 844 |
| Noncurrent loans to loans | 2.8501% | 1,147 |
| Net loans and leases to total assets | 70.4773% | 1,802 |
| Net loans and leases to deposits | 78.3982% | 2,493 |
| Net loans and leases to core deposits | 78.3982% | 3,161 |
| Total domestic deposits to total assets | 89.8965% | 1,129 |
| Equity capital to assets | 9.1822% | 4,888 |
| Core capital (leverage) ratio | 9.1741% | 4,755 |
| Tier 1 risk-based capital ratio | 14.2904% | 4,138 |
| Total risk-based capital ratio | 15.5556% | 4,076 |
| Memoranda: | ||
| Average total assets | $95,312,500 | 4,832 |
| Average earning assets | $91,336,500 | 4,741 |
| Average equity | $8,738,500 | 5,121 |
| Average total loans | $69,903,000 | 4,264 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 3,566 |
| Cost of funding earning assets | 0.6111% | 2,561 |
| Net interest margin | 3.5330% | 3,749 |
| Noninterest income to average assets | 0.0943% | 6,410 |
| Noninterest expense to average assets | 3.6629% | 1,349 |
| Loan and lease loss provision to assets | 0.5726% | 450 |
| Net operating income to assets | -0.7926% | 6,567 |
| Return on assets (ROA) | -0.7926% | 6,565 |
| Pretax return on assets | -0.7602% | 6,547 |
| Return on Equity (ROE) | -8.6999% | 6,568 |
| Retained earnings to average equity (ytd only) | -8.6999% | 6,510 |
| Net charge-offs to loans | 1.7641% | 237 |
| Credit loss provision to net charge-offs | 41.6053% | 4,009 |
| Earnings coverage of net charge-offs (x) | -0.1362% | 5,127 |
| Efficiency ratio | 105.3952% | 348 |
| Assets per employee ($millions) | 4.0125% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 2,032 |
| Loan loss allowance to noncurrent loans | 56.4125% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 3.5254% | 827 |
| Noncurrent loans to loans | 3.2110% | 1,046 |
| Net loans and leases to total assets | 73.2879% | 1,473 |
| Net loans and leases to deposits | 81.4366% | 2,257 |
| Net loans and leases to core deposits | 81.4366% | 2,961 |
| Total domestic deposits to total assets | 89.9939% | 1,083 |
| Equity capital to assets | 9.1546% | 4,864 |
| Core capital (leverage) ratio | 9.1521% | 4,782 |
| Tier 1 risk-based capital ratio | 13.5861% | 4,588 |
| Total risk-based capital ratio | 14.8455% | 4,532 |
| Memoranda: | ||
| Average total assets | $98,664,400 | 4,774 |
| Average earning assets | $94,424,400 | 4,673 |
| Average equity | $8,988,600 | 5,081 |
| Average total loans | $76,977,800 | 4,028 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2269% | 3,285 |
| Cost of funding earning assets | 0.6207% | 2,642 |
| Net interest margin | 3.6062% | 3,415 |
| Noninterest income to average assets | 0.0846% | 6,528 |
| Noninterest expense to average assets | 3.6954% | 1,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.1988% | 6,469 |
| Return on assets (ROA) | -0.1988% | 6,491 |
| Pretax return on assets | -0.1612% | 6,450 |
| Return on Equity (ROE) | -2.1848% | 6,490 |
| Retained earnings to average equity (ytd only) | -2.1848% | 6,285 |
| Net charge-offs to loans | 0.1142% | 3,409 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.7911% | 5,071 |
| Efficiency ratio | 104.5610% | 356 |
| Assets per employee ($millions) | 4.0620% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7514% | 703 |
| Loan loss allowance to noncurrent loans | 95.9773% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 3.5348% | 959 |
| Noncurrent loans to loans | 2.8667% | 1,437 |
| Net loans and leases to total assets | 73.5280% | 1,362 |
| Net loans and leases to deposits | 81.9633% | 2,142 |
| Net loans and leases to core deposits | 82.2454% | 2,851 |
| Total domestic deposits to total assets | 89.7085% | 1,169 |
| Equity capital to assets | 9.3940% | 4,682 |
| Core capital (leverage) ratio | 9.3844% | 4,549 |
| Tier 1 risk-based capital ratio | 13.7710% | 4,588 |
| Total risk-based capital ratio | 15.0432% | 4,524 |
| Memoranda: | ||
| Average total assets | $99,255,250 | 4,802 |
| Average earning assets | $94,944,000 | 4,693 |
| Average equity | $9,031,750 | 5,132 |
| Average total loans | $78,252,500 | 4,019 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 2,932 |
| Cost of funding earning assets | 0.6338% | 2,643 |
| Net interest margin | 3.6730% | 3,073 |
| Noninterest income to average assets | 0.1983% | 6,015 |
| Noninterest expense to average assets | 3.7458% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0801% | 6,390 |
| Return on assets (ROA) | -0.0801% | 6,437 |
| Pretax return on assets | -0.0300% | 6,381 |
| Return on Equity (ROE) | -0.8899% | 6,446 |
| Retained earnings to average equity (ytd only) | -0.8899% | 6,030 |
| Net charge-offs to loans | 0.1931% | 2,598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1948% | 4,616 |
| Efficiency ratio | 100.8086% | 461 |
| Assets per employee ($millions) | 4.3178% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6169% | 867 |
| Loan loss allowance to noncurrent loans | 130.6149% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4338% | 1,748 |
| Noncurrent loans to loans | 2.0035% | 2,400 |
| Net loans and leases to total assets | 75.6195% | 1,026 |
| Net loans and leases to deposits | 84.1715% | 1,784 |
| Net loans and leases to core deposits | 84.4555% | 2,498 |
| Total domestic deposits to total assets | 89.8398% | 1,128 |
| Equity capital to assets | 9.3335% | 4,808 |
| Core capital (leverage) ratio | 9.3207% | 4,508 |
| Tier 1 risk-based capital ratio | 13.3189% | 4,903 |
| Total risk-based capital ratio | 14.5898% | 4,835 |
| Memoranda: | ||
| Average total assets | $99,844,330 | 4,825 |
| Average earning assets | $95,617,670 | 4,705 |
| Average equity | $8,989,670 | 5,174 |
| Average total loans | $79,767,000 | 3,986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 2,482 |
| Cost of funding earning assets | 0.6565% | 2,595 |
| Net interest margin | 3.7551% | 2,636 |
| Noninterest income to average assets | 0.3276% | 5,087 |
| Noninterest expense to average assets | 3.8956% | 1,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0200% | 6,312 |
| Return on assets (ROA) | 0.0200% | 6,391 |
| Pretax return on assets | 0.0200% | 6,378 |
| Return on Equity (ROE) | 0.2260% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.2260% | 5,710 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4898% | 571 |
| Assets per employee ($millions) | 4.3247% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6650% | 957 |
| Loan loss allowance to noncurrent loans | 209.9198% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 1.8820% | 2,499 |
| Noncurrent loans to loans | 1.2695% | 3,656 |
| Net loans and leases to total assets | 76.9262% | 729 |
| Net loans and leases to deposits | 85.6412% | 1,396 |
| Net loans and leases to core deposits | 85.9346% | 2,112 |
| Total domestic deposits to total assets | 89.8239% | 1,150 |
| Equity capital to assets | 9.4010% | 5,000 |
| Core capital (leverage) ratio | 9.3567% | 4,309 |
| Tier 1 risk-based capital ratio | 12.9872% | 5,228 |
| Total risk-based capital ratio | 14.2582% | 5,159 |
| Memoranda: | ||
| Average total assets | $100,112,000 | 4,866 |
| Average earning assets | $95,657,000 | 4,749 |
| Average equity | $8,850,000 | 5,256 |
| Average total loans | $81,093,000 | 3,985 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6570% | 2,770 |
| Cost of funding earning assets | 0.7542% | 3,056 |
| Net interest margin | 3.9028% | 2,814 |
| Noninterest income to average assets | -0.3617% | 7,008 |
| Noninterest expense to average assets | 3.4791% | 1,868 |
| Loan and lease loss provision to assets | 1.8603% | 128 |
| Net operating income to assets | -2.0411% | 6,934 |
| Return on assets (ROA) | -2.0411% | 6,940 |
| Pretax return on assets | -2.0284% | 6,925 |
| Return on Equity (ROE) | -24.9803% | 6,925 |
| Retained earnings to average equity (ytd only) | -24.9803% | 6,897 |
| Net charge-offs to loans | 1.1168% | 937 |
| Credit loss provision to net charge-offs | 201.3757% | 1,283 |
| Earnings coverage of net charge-offs (x) | -0.1820% | 5,565 |
| Efficiency ratio | 105.0782% | 421 |
| Assets per employee ($millions) | 4.5798% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5068% | 1,123 |
| Loan loss allowance to noncurrent loans | 204.9902% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 2.6371% | 1,841 |
| Noncurrent loans to loans | 1.2229% | 3,802 |
| Net loans and leases to total assets | 80.8676% | 396 |
| Net loans and leases to deposits | 89.0199% | 1,164 |
| Net loans and leases to core deposits | 89.5728% | 1,882 |
| Total domestic deposits to total assets | 90.8422% | 545 |
| Equity capital to assets | 8.2864% | 6,212 |
| Core capital (leverage) ratio | 8.2400% | 5,952 |
| Tier 1 risk-based capital ratio | 10.6788% | 6,484 |
| Total risk-based capital ratio | 11.9469% | 6,441 |
| Memoranda: | ||
| Average total assets | $102,295,600 | 4,771 |
| Average earning assets | $96,264,000 | 4,683 |
| Average equity | $8,358,600 | 5,406 |
| Average total loans | $84,618,000 | 3,885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 2,936 |
| Cost of funding earning assets | 0.7705% | 3,183 |
| Net interest margin | 3.8968% | 2,921 |
| Noninterest income to average assets | -0.2610% | 7,086 |
| Noninterest expense to average assets | 3.2917% | 2,296 |
| Loan and lease loss provision to assets | 2.1243% | 100 |
| Net operating income to assets | -2.0192% | 7,037 |
| Return on assets (ROA) | -2.0192% | 7,049 |
| Pretax return on assets | -2.0192% | 7,034 |
| Return on Equity (ROE) | -24.7970% | 7,038 |
| Retained earnings to average equity (ytd only) | -24.7970% | 7,027 |
| Net charge-offs to loans | 1.0744% | 965 |
| Credit loss provision to net charge-offs | 239.1813% | 1,155 |
| Earnings coverage of net charge-offs (x) | 0.1184% | 5,278 |
| Efficiency ratio | 96.9037% | 643 |
| Assets per employee ($millions) | 4.7510% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5443% | 1,156 |
| Loan loss allowance to noncurrent loans | 198.9524% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 2.8686% | 1,833 |
| Noncurrent loans to loans | 1.2789% | 3,905 |
| Net loans and leases to total assets | 80.1995% | 492 |
| Net loans and leases to deposits | 88.3694% | 1,309 |
| Net loans and leases to core deposits | 88.9224% | 2,113 |
| Total domestic deposits to total assets | 90.7547% | 496 |
| Equity capital to assets | 8.4123% | 6,339 |
| Core capital (leverage) ratio | 8.3553% | 5,939 |
| Tier 1 risk-based capital ratio | 10.9232% | 6,508 |
| Total risk-based capital ratio | 12.1917% | 6,482 |
| Memoranda: | ||
| Average total assets | $102,680,500 | 4,810 |
| Average earning assets | $96,383,250 | 4,729 |
| Average equity | $8,361,000 | 5,454 |
| Average total loans | $84,879,000 | 3,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6345% | 3,213 |
| Cost of funding earning assets | 0.7961% | 3,217 |
| Net interest margin | 3.8384% | 3,186 |
| Noninterest income to average assets | -0.0617% | 7,064 |
| Noninterest expense to average assets | 3.2822% | 2,355 |
| Loan and lease loss provision to assets | 2.3213% | 99 |
| Net operating income to assets | -2.0743% | 7,079 |
| Return on assets (ROA) | -2.0743% | 7,089 |
| Pretax return on assets | -2.0743% | 7,078 |
| Return on Equity (ROE) | -25.7475% | 7,072 |
| Retained earnings to average equity (ytd only) | -25.7475% | 7,059 |
| Net charge-offs to loans | 0.9766% | 1,139 |
| Credit loss provision to net charge-offs | 287.1122% | 1,020 |
| Earnings coverage of net charge-offs (x) | 0.3055% | 4,925 |
| Efficiency ratio | 93.0016% | 866 |
| Assets per employee ($millions) | 4.8264% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,764 |
| Loan loss allowance to noncurrent loans | 155.7989% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 3.9850% | 1,284 |
| Noncurrent loans to loans | 1.4128% | 3,796 |
| Net loans and leases to total assets | 84.2139% | 203 |
| Net loans and leases to deposits | 92.6885% | 870 |
| Net loans and leases to core deposits | 93.2566% | 1,664 |
| Total domestic deposits to total assets | 90.8569% | 501 |
| Equity capital to assets | 8.2591% | 6,408 |
| Core capital (leverage) ratio | 8.2045% | 6,045 |
| Tier 1 risk-based capital ratio | 10.1657% | 6,782 |
| Total risk-based capital ratio | 11.4298% | 6,762 |
| Memoranda: | ||
| Average total assets | $103,650,670 | 4,810 |
| Average earning assets | $96,967,670 | 4,735 |
| Average equity | $8,350,330 | 5,462 |
| Average total loans | $85,804,000 | 3,912 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 3,672 |
| Cost of funding earning assets | 0.8296% | 3,232 |
| Net interest margin | 3.7313% | 3,690 |
| Noninterest income to average assets | 0.0267% | 7,029 |
| Noninterest expense to average assets | 3.3970% | 2,015 |
| Loan and lease loss provision to assets | 4.8092% | 22 |
| Net operating income to assets | -4.6947% | 7,267 |
| Return on assets (ROA) | -4.6947% | 7,266 |
| Pretax return on assets | -4.6947% | 7,264 |
| Return on Equity (ROE) | -58.9928% | 7,241 |
| Retained earnings to average equity (ytd only) | -58.9928% | 7,231 |
| Net charge-offs to loans | 2.1724% | 411 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 0.0649% | 4,336 |
| Efficiency ratio | 96.7391% | 688 |
| Assets per employee ($millions) | 4.9338% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2859% | 1,697 |
| Loan loss allowance to noncurrent loans | 137.9187% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 4.1348% | 1,325 |
| Noncurrent loans to loans | 1.6574% | 3,615 |
| Net loans and leases to total assets | 79.8348% | 423 |
| Net loans and leases to deposits | 87.0988% | 1,276 |
| Net loans and leases to core deposits | 87.5960% | 2,102 |
| Total domestic deposits to total assets | 91.6600% | 336 |
| Equity capital to assets | 7.4530% | 6,800 |
| Core capital (leverage) ratio | 7.3946% | 6,688 |
| Tier 1 risk-based capital ratio | 9.4083% | 6,977 |
| Total risk-based capital ratio | 10.6721% | 6,973 |
| Memoranda: | ||
| Average total assets | $104,798,500 | 4,816 |
| Average earning assets | $97,874,500 | 4,757 |
| Average equity | $8,340,000 | 5,486 |
| Average total loans | $85,068,000 | 3,971 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 4,284 |
| Cost of funding earning assets | 0.9511% | 3,715 |
| Net interest margin | 3.7393% | 4,118 |
| Noninterest income to average assets | -0.0363% | 7,050 |
| Noninterest expense to average assets | 3.3270% | 2,432 |
| Loan and lease loss provision to assets | 0.7402% | 1,369 |
| Net operating income to assets | -0.6022% | 6,554 |
| Return on assets (ROA) | -0.6022% | 6,596 |
| Pretax return on assets | -0.6113% | 6,559 |
| Return on Equity (ROE) | -7.0369% | 6,636 |
| Retained earnings to average equity (ytd only) | -7.0369% | 6,575 |
| Net charge-offs to loans | 1.1678% | 1,450 |
| Credit loss provision to net charge-offs | 77.3245% | 4,584 |
| Earnings coverage of net charge-offs (x) | 0.1347% | 5,731 |
| Efficiency ratio | 96.2681% | 811 |
| Assets per employee ($millions) | 4.8176% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 4,753 |
| Loan loss allowance to noncurrent loans | 64.0563% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 3.8957% | 1,478 |
| Noncurrent loans to loans | 2.0764% | 3,101 |
| Net loans and leases to total assets | 79.5826% | 536 |
| Net loans and leases to deposits | 87.7291% | 1,419 |
| Net loans and leases to core deposits | 88.4986% | 2,323 |
| Total domestic deposits to total assets | 90.7140% | 623 |
| Equity capital to assets | 8.4519% | 6,204 |
| Core capital (leverage) ratio | 8.3900% | 5,729 |
| Tier 1 risk-based capital ratio | 10.9113% | 6,497 |
| Total risk-based capital ratio | 12.1606% | 6,482 |
| Memoranda: | ||
| Average total assets | $110,099,800 | 4,641 |
| Average earning assets | $102,825,800 | 4,566 |
| Average equity | $9,421,800 | 5,173 |
| Average total loans | $90,257,400 | 3,847 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7190% | 4,362 |
| Cost of funding earning assets | 0.9800% | 3,817 |
| Net interest margin | 3.7390% | 4,166 |
| Noninterest income to average assets | -0.0468% | 7,158 |
| Noninterest expense to average assets | 3.0751% | 3,259 |
| Loan and lease loss provision to assets | 0.5507% | 1,784 |
| Net operating income to assets | -0.1584% | 6,340 |
| Return on assets (ROA) | -0.1584% | 6,415 |
| Pretax return on assets | -0.1800% | 6,396 |
| Return on Equity (ROE) | -1.8453% | 6,468 |
| Retained earnings to average equity (ytd only) | -1.8453% | 6,279 |
| Net charge-offs to loans | 1.1430% | 1,383 |
| Credit loss provision to net charge-offs | 58.5459% | 4,839 |
| Earnings coverage of net charge-offs (x) | 0.3941% | 5,322 |
| Efficiency ratio | 89.2409% | 1,219 |
| Assets per employee ($millions) | 4.6384% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 5,492 |
| Loan loss allowance to noncurrent loans | 42.6889% | 5,459 |
| Noncurrent assets plus other real estate owned to assets | 4.1769% | 1,464 |
| Noncurrent loans to loans | 2.7972% | 2,489 |
| Net loans and leases to total assets | 81.5172% | 396 |
| Net loans and leases to deposits | 90.2576% | 1,183 |
| Net loans and leases to core deposits | 91.0428% | 2,115 |
| Total domestic deposits to total assets | 90.3162% | 713 |
| Equity capital to assets | 8.9068% | 5,849 |
| Core capital (leverage) ratio | 8.8353% | 5,203 |
| Tier 1 risk-based capital ratio | 11.3703% | 6,317 |
| Total risk-based capital ratio | 12.6205% | 6,314 |
| Memoranda: | ||
| Average total assets | $111,127,750 | 4,642 |
| Average earning assets | $103,805,500 | 4,581 |
| Average equity | $9,537,750 | 5,169 |
| Average total loans | $91,450,500 | 3,855 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7443% | 4,333 |
| Cost of funding earning assets | 1.0263% | 3,773 |
| Net interest margin | 3.7180% | 4,182 |
| Noninterest income to average assets | 0.1208% | 6,723 |
| Noninterest expense to average assets | 3.1276% | 3,151 |
| Loan and lease loss provision to assets | 0.6607% | 1,455 |
| Net operating income to assets | -0.1758% | 6,445 |
| Return on assets (ROA) | -0.1758% | 6,482 |
| Pretax return on assets | -0.2060% | 6,460 |
| Return on Equity (ROE) | -2.0734% | 6,524 |
| Retained earnings to average equity (ytd only) | -2.0734% | 6,262 |
| Net charge-offs to loans | 1.1253% | 1,393 |
| Credit loss provision to net charge-offs | 71.4012% | 4,027 |
| Earnings coverage of net charge-offs (x) | 0.4914% | 4,939 |
| Efficiency ratio | 87.3079% | 1,478 |
| Assets per employee ($millions) | 4.7465% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,709 |
| Loan loss allowance to noncurrent loans | 41.6073% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 5.0060% | 1,226 |
| Noncurrent loans to loans | 3.3014% | 2,167 |
| Net loans and leases to total assets | 80.6998% | 475 |
| Net loans and leases to deposits | 89.1917% | 1,355 |
| Net loans and leases to core deposits | 89.9429% | 2,378 |
| Total domestic deposits to total assets | 90.4791% | 721 |
| Equity capital to assets | 8.7332% | 5,897 |
| Core capital (leverage) ratio | 8.6648% | 5,276 |
| Tier 1 risk-based capital ratio | 11.1611% | 6,407 |
| Total risk-based capital ratio | 12.4111% | 6,402 |
| Memoranda: | ||
| Average total assets | $112,609,330 | 4,637 |
| Average earning assets | $104,841,000 | 4,589 |
| Average equity | $9,549,670 | 5,171 |
| Average total loans | $92,595,330 | 3,873 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7660% | 4,224 |
| Cost of funding earning assets | 1.0725% | 3,703 |
| Net interest margin | 3.6935% | 4,141 |
| Noninterest income to average assets | 0.1085% | 6,865 |
| Noninterest expense to average assets | 3.2888% | 2,596 |
| Loan and lease loss provision to assets | 0.5703% | 1,514 |
| Net operating income to assets | -0.3289% | 6,687 |
| Return on assets (ROA) | -0.3289% | 6,696 |
| Pretax return on assets | -0.3289% | 6,642 |
| Return on Equity (ROE) | -3.9341% | 6,734 |
| Retained earnings to average equity (ytd only) | -3.9341% | 6,405 |
| Net charge-offs to loans | 1.9951% | 638 |
| Credit loss provision to net charge-offs | 34.6809% | 4,039 |
| Earnings coverage of net charge-offs (x) | 0.1468% | 4,493 |
| Efficiency ratio | 93.1615% | 1,085 |
| Assets per employee ($millions) | 5.1120% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,838 |
| Loan loss allowance to noncurrent loans | 29.4653% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 5.2158% | 1,199 |
| Noncurrent loans to loans | 3.9109% | 1,878 |
| Net loans and leases to total assets | 81.5338% | 384 |
| Net loans and leases to deposits | 89.8083% | 1,256 |
| Net loans and leases to core deposits | 91.5359% | 2,172 |
| Total domestic deposits to total assets | 90.7865% | 719 |
| Equity capital to assets | 8.4542% | 5,969 |
| Core capital (leverage) ratio | 8.4113% | 5,606 |
| Tier 1 risk-based capital ratio | 10.6322% | 6,731 |
| Total risk-based capital ratio | 11.8346% | 6,747 |
| Memoranda: | ||
| Average total assets | $114,329,000 | 4,636 |
| Average earning assets | $105,916,000 | 4,595 |
| Average equity | $9,557,500 | 5,153 |
| Average total loans | $94,229,500 | 3,876 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9079% | 4,993 |
| Cost of funding earning assets | 1.4575% | 2,910 |
| Net interest margin | 3.4503% | 5,429 |
| Noninterest income to average assets | 0.1404% | 6,689 |
| Noninterest expense to average assets | 2.8896% | 4,276 |
| Loan and lease loss provision to assets | 1.1961% | 1,313 |
| Net operating income to assets | -0.6926% | 6,511 |
| Return on assets (ROA) | -0.6926% | 6,548 |
| Pretax return on assets | -0.6944% | 6,455 |
| Return on Equity (ROE) | -7.8510% | 6,612 |
| Retained earnings to average equity (ytd only) | -7.8510% | 6,523 |
| Net charge-offs to loans | 0.9508% | 2,283 |
| Credit loss provision to net charge-offs | 145.3694% | 2,540 |
| Earnings coverage of net charge-offs (x) | 0.6098% | 5,495 |
| Efficiency ratio | 85.2058% | 1,781 |
| Assets per employee ($millions) | 5.2815% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 4,335 |
| Loan loss allowance to noncurrent loans | 23.1183% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 5.7929% | 1,046 |
| Noncurrent loans to loans | 6.2199% | 989 |
| Net loans and leases to total assets | 81.1727% | 521 |
| Net loans and leases to deposits | 89.2123% | 1,619 |
| Net loans and leases to core deposits | 90.4989% | 2,693 |
| Total domestic deposits to total assets | 90.9883% | 603 |
| Equity capital to assets | 8.2681% | 6,182 |
| Core capital (leverage) ratio | 8.2226% | 5,796 |
| Tier 1 risk-based capital ratio | 10.4623% | 6,723 |
| Total risk-based capital ratio | 11.7128% | 6,700 |
| Memoranda: | ||
| Average total assets | $116,799,600 | 4,560 |
| Average earning assets | $110,048,000 | 4,463 |
| Average equity | $10,304,400 | 5,039 |
| Average total loans | $101,072,400 | 3,761 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 4,900 |
| Cost of funding earning assets | 1.5208% | 2,839 |
| Net interest margin | 3.4609% | 5,449 |
| Noninterest income to average assets | 0.1072% | 7,017 |
| Noninterest expense to average assets | 2.7772% | 4,575 |
| Loan and lease loss provision to assets | 0.5951% | 2,566 |
| Net operating income to assets | 0.0125% | 5,977 |
| Return on assets (ROA) | 0.0125% | 6,101 |
| Pretax return on assets | 0.0011% | 6,084 |
| Return on Equity (ROE) | 0.1400% | 6,086 |
| Retained earnings to average equity (ytd only) | 0.1400% | 5,720 |
| Net charge-offs to loans | 0.7707% | 2,503 |
| Credit loss provision to net charge-offs | 88.1757% | 4,847 |
| Earnings coverage of net charge-offs (x) | 0.8835% | 5,163 |
| Efficiency ratio | 82.3251% | 2,029 |
| Assets per employee ($millions) | 5.2925% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,834 |
| Loan loss allowance to noncurrent loans | 15.6250% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 5.3438% | 1,169 |
| Noncurrent loans to loans | 5.5718% | 1,181 |
| Net loans and leases to total assets | 85.0791% | 257 |
| Net loans and leases to deposits | 94.2200% | 1,179 |
| Net loans and leases to core deposits | 95.5791% | 2,310 |
| Total domestic deposits to total assets | 90.2984% | 728 |
| Equity capital to assets | 8.9665% | 5,630 |
| Core capital (leverage) ratio | 8.9122% | 4,832 |
| Tier 1 risk-based capital ratio | 11.0971% | 6,286 |
| Total risk-based capital ratio | 12.0284% | 6,546 |
| Memoranda: | ||
| Average total assets | $116,951,250 | 4,610 |
| Average earning assets | $110,374,000 | 4,522 |
| Average equity | $10,478,750 | 5,060 |
| Average total loans | $102,417,250 | 3,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0592% | 4,659 |
| Cost of funding earning assets | 1.6250% | 2,513 |
| Net interest margin | 3.4342% | 5,499 |
| Noninterest income to average assets | 0.1025% | 7,092 |
| Noninterest expense to average assets | 2.7322% | 4,777 |
| Loan and lease loss provision to assets | 0.4132% | 3,253 |
| Net operating income to assets | 0.2271% | 5,471 |
| Return on assets (ROA) | 0.2271% | 5,605 |
| Pretax return on assets | 0.2049% | 5,761 |
| Return on Equity (ROE) | 2.5353% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.5353% | 4,540 |
| Net charge-offs to loans | 0.2731% | 3,975 |
| Credit loss provision to net charge-offs | 171.6312% | 2,273 |
| Earnings coverage of net charge-offs (x) | 2.5674% | 3,715 |
| Efficiency ratio | 81.5494% | 2,226 |
| Assets per employee ($millions) | 5.1952% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 6,268 |
| Loan loss allowance to noncurrent loans | 21.2492% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 4.6853% | 1,383 |
| Noncurrent loans to loans | 4.8484% | 1,448 |
| Net loans and leases to total assets | 87.4954% | 151 |
| Net loans and leases to deposits | 97.2375% | 942 |
| Net loans and leases to core deposits | 98.4214% | 2,184 |
| Total domestic deposits to total assets | 89.9811% | 926 |
| Equity capital to assets | 9.2446% | 5,088 |
| Core capital (leverage) ratio | 9.1865% | 4,321 |
| Tier 1 risk-based capital ratio | 11.2272% | 6,016 |
| Total risk-based capital ratio | 12.3416% | 6,129 |
| Memoranda: | ||
| Average total assets | $117,123,670 | 4,633 |
| Average earning assets | $110,768,000 | 4,542 |
| Average equity | $10,491,670 | 5,062 |
| Average total loans | $103,246,000 | 3,797 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 4,893 |
| Cost of funding earning assets | 1.7649% | 2,040 |
| Net interest margin | 3.2634% | 6,084 |
| Noninterest income to average assets | 0.1114% | 7,134 |
| Noninterest expense to average assets | 2.7333% | 4,751 |
| Loan and lease loss provision to assets | 0.2328% | 4,175 |
| Net operating income to assets | 0.2598% | 5,453 |
| Return on assets (ROA) | 0.2598% | 5,579 |
| Pretax return on assets | 0.2463% | 5,755 |
| Return on Equity (ROE) | 2.9461% | 5,359 |
| Retained earnings to average equity (ytd only) | 2.9461% | 4,363 |
| Net charge-offs to loans | 0.0460% | 4,953 |
| Credit loss provision to net charge-offs | 575.0000% | 752 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 1,615 |
| Efficiency ratio | 85.0840% | 1,898 |
| Assets per employee ($millions) | 5.1044% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 6,616 |
| Loan loss allowance to noncurrent loans | 19.7896% | 7,019 |
| Noncurrent assets plus other real estate owned to assets | 4.4727% | 1,513 |
| Noncurrent loans to loans | 4.8869% | 1,491 |
| Net loans and leases to total assets | 86.9619% | 170 |
| Net loans and leases to deposits | 98.1211% | 898 |
| Net loans and leases to core deposits | 99.9354% | 2,138 |
| Total domestic deposits to total assets | 88.6271% | 1,719 |
| Equity capital to assets | 8.9402% | 5,368 |
| Core capital (leverage) ratio | 8.8937% | 4,737 |
| Tier 1 risk-based capital ratio | 10.9271% | 6,224 |
| Total risk-based capital ratio | 11.9714% | 6,406 |
| Memoranda: | ||
| Average total assets | $118,538,500 | 4,667 |
| Average earning assets | $112,644,000 | 4,550 |
| Average equity | $10,454,500 | 5,112 |
| Average total loans | $104,347,500 | 3,814 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 6,390 |
| Cost of funding earning assets | 2.4849% | 1,057 |
| Net interest margin | 2.5291% | 7,396 |
| Noninterest income to average assets | 0.1076% | 7,226 |
| Noninterest expense to average assets | 2.7935% | 5,001 |
| Loan and lease loss provision to assets | 1.0593% | 2,165 |
| Net operating income to assets | -1.2802% | 6,751 |
| Return on assets (ROA) | -1.2802% | 6,756 |
| Pretax return on assets | -1.3369% | 6,617 |
| Return on Equity (ROE) | -13.9931% | 6,877 |
| Retained earnings to average equity (ytd only) | -13.9931% | 6,817 |
| Net charge-offs to loans | 0.8838% | 2,626 |
| Credit loss provision to net charge-offs | 137.3557% | 3,584 |
| Earnings coverage of net charge-offs (x) | -0.3599% | 6,588 |
| Efficiency ratio | 111.0325% | 778 |
| Assets per employee ($millions) | 5.4398% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8901% | 6,858 |
| Loan loss allowance to noncurrent loans | 18.6582% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 5.0144% | 1,227 |
| Noncurrent loans to loans | 4.7707% | 1,452 |
| Net loans and leases to total assets | 87.4560% | 197 |
| Net loans and leases to deposits | 98.4267% | 1,058 |
| Net loans and leases to core deposits | 119.6231% | 1,977 |
| Total domestic deposits to total assets | 88.8540% | 1,543 |
| Equity capital to assets | 8.7011% | 5,580 |
| Core capital (leverage) ratio | 8.6594% | 4,997 |
| Tier 1 risk-based capital ratio | 10.5299% | 6,363 |
| Total risk-based capital ratio | 11.4858% | 6,617 |
| Memoranda: | ||
| Average total assets | $123,570,400 | 4,482 |
| Average earning assets | $117,671,800 | 4,364 |
| Average equity | $11,305,600 | 4,939 |
| Average total loans | $107,834,000 | 3,744 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 6,641 |
| Cost of funding earning assets | 2.5726% | 1,101 |
| Net interest margin | 2.4142% | 7,552 |
| Noninterest income to average assets | 0.1049% | 7,383 |
| Noninterest expense to average assets | 2.6667% | 5,467 |
| Loan and lease loss provision to assets | 0.6744% | 2,715 |
| Net operating income to assets | -1.2825% | 7,005 |
| Return on assets (ROA) | -1.2825% | 7,007 |
| Pretax return on assets | -0.9367% | 6,636 |
| Return on Equity (ROE) | -13.8548% | 7,126 |
| Retained earnings to average equity (ytd only) | -13.8548% | 7,065 |
| Net charge-offs to loans | 0.1685% | 5,043 |
| Credit loss provision to net charge-offs | 459.8540% | 853 |
| Earnings coverage of net charge-offs (x) | -1.7883% | 6,726 |
| Efficiency ratio | 110.9083% | 753 |
| Assets per employee ($millions) | 4.5146% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,304 |
| Loan loss allowance to noncurrent loans | 19.0755% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 5.3522% | 1,083 |
| Noncurrent loans to loans | 5.2353% | 1,227 |
| Net loans and leases to total assets | 87.5909% | 227 |
| Net loans and leases to deposits | 100.6770% | 1,050 |
| Net loans and leases to core deposits | 119.9007% | 2,254 |
| Total domestic deposits to total assets | 87.0018% | 2,178 |
| Equity capital to assets | 8.8626% | 5,687 |
| Core capital (leverage) ratio | 8.8177% | 4,945 |
| Tier 1 risk-based capital ratio | 10.7003% | 6,249 |
| Total risk-based capital ratio | 11.7734% | 6,399 |
| Memoranda: | ||
| Average total assets | $124,544,250 | 4,484 |
| Average earning assets | $118,630,000 | 4,372 |
| Average equity | $11,528,750 | 4,918 |
| Average total loans | $108,391,750 | 3,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 6,700 |
| Cost of funding earning assets | 2.6450% | 1,171 |
| Net interest margin | 2.3763% | 7,595 |
| Noninterest income to average assets | 0.0909% | 7,521 |
| Noninterest expense to average assets | 2.7235% | 5,288 |
| Loan and lease loss provision to assets | 0.8850% | 1,906 |
| Net operating income to assets | -0.7989% | 6,832 |
| Return on assets (ROA) | -0.7989% | 6,831 |
| Pretax return on assets | -1.2613% | 6,971 |
| Return on Equity (ROE) | -8.5127% | 6,935 |
| Retained earnings to average equity (ytd only) | -8.5127% | 6,724 |
| Net charge-offs to loans | 0.2616% | 3,884 |
| Credit loss provision to net charge-offs | 390.8451% | 1,191 |
| Earnings coverage of net charge-offs (x) | -1.6620% | 6,323 |
| Efficiency ratio | 116.0326% | 736 |
| Assets per employee ($millions) | 4.8415% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,625 |
| Loan loss allowance to noncurrent loans | 24.7702% | 6,859 |
| Noncurrent assets plus other real estate owned to assets | 3.8950% | 1,543 |
| Noncurrent loans to loans | 3.7700% | 1,821 |
| Net loans and leases to total assets | 84.0234% | 637 |
| Net loans and leases to deposits | 99.0810% | 1,380 |
| Net loans and leases to core deposits | 118.5410% | 2,496 |
| Total domestic deposits to total assets | 84.8027% | 3,353 |
| Equity capital to assets | 9.1207% | 5,138 |
| Core capital (leverage) ratio | 8.9369% | 4,733 |
| Tier 1 risk-based capital ratio | 11.2238% | 5,666 |
| Total risk-based capital ratio | 12.2208% | 5,840 |
| Memoranda: | ||
| Average total assets | $125,427,670 | 4,494 |
| Average earning assets | $119,091,670 | 4,393 |
| Average equity | $11,770,670 | 4,878 |
| Average total loans | $108,574,000 | 3,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 6,225 |
| Cost of funding earning assets | 2.7139% | 1,229 |
| Net interest margin | 2.5044% | 7,498 |
| Noninterest income to average assets | 0.0671% | 7,732 |
| Noninterest expense to average assets | 2.6230% | 5,353 |
| Loan and lease loss provision to assets | 0.2460% | 4,010 |
| Net operating income to assets | -0.2843% | 6,660 |
| Return on assets (ROA) | -0.2843% | 6,736 |
| Pretax return on assets | -0.4345% | 6,770 |
| Return on Equity (ROE) | -2.9877% | 6,774 |
| Retained earnings to average equity (ytd only) | -2.9877% | 6,277 |
| Net charge-offs to loans | 0.1279% | 3,941 |
| Credit loss provision to net charge-offs | 220.0000% | 2,053 |
| Earnings coverage of net charge-offs (x) | -1.6857% | 5,449 |
| Efficiency ratio | 107.7428% | 871 |
| Assets per employee ($millions) | 4.6703% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 7,709 |
| Loan loss allowance to noncurrent loans | 13.5205% | 7,448 |
| Noncurrent assets plus other real estate owned to assets | 3.6717% | 1,444 |
| Noncurrent loans to loans | 4.2628% | 1,379 |
| Net loans and leases to total assets | 85.6367% | 491 |
| Net loans and leases to deposits | 101.2517% | 1,255 |
| Net loans and leases to core deposits | 121.3105% | 2,308 |
| Total domestic deposits to total assets | 84.5780% | 3,424 |
| Equity capital to assets | 9.4251% | 4,776 |
| Core capital (leverage) ratio | 9.2475% | 4,325 |
| Tier 1 risk-based capital ratio | 11.6551% | 5,250 |
| Total risk-based capital ratio | 12.2821% | 5,784 |
| Memoranda: | ||
| Average total assets | $125,202,500 | 4,518 |
| Average earning assets | $118,353,500 | 4,424 |
| Average equity | $11,915,500 | 4,860 |
| Average total loans | $109,479,000 | 3,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6632% | 6,892 |
| Cost of funding earning assets | 3.0032% | 1,856 |
| Net interest margin | 2.6600% | 7,559 |
| Noninterest income to average assets | 0.2109% | 6,928 |
| Noninterest expense to average assets | 2.8045% | 4,797 |
| Loan and lease loss provision to assets | 0.1662% | 5,258 |
| Net operating income to assets | -0.1366% | 6,542 |
| Return on assets (ROA) | -0.1366% | 6,390 |
| Pretax return on assets | -0.2294% | 6,394 |
| Return on Equity (ROE) | -1.3498% | 6,410 |
| Retained earnings to average equity (ytd only) | -1.3498% | 5,694 |
| Net charge-offs to loans | 0.1021% | 5,291 |
| Credit loss provision to net charge-offs | 182.4074% | 2,737 |
| Earnings coverage of net charge-offs (x) | -0.6944% | 6,538 |
| Efficiency ratio | 102.3077% | 904 |
| Assets per employee ($millions) | 4.6039% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5292% | 7,802 |
| Loan loss allowance to noncurrent loans | 17.0411% | 7,337 |
| Noncurrent assets plus other real estate owned to assets | 2.7569% | 1,713 |
| Noncurrent loans to loans | 3.1057% | 1,713 |
| Net loans and leases to total assets | 88.2990% | 340 |
| Net loans and leases to deposits | 104.6469% | 1,276 |
| Net loans and leases to core deposits | 123.4657% | 2,365 |
| Total domestic deposits to total assets | 84.3781% | 3,140 |
| Equity capital to assets | 9.6102% | 4,528 |
| Core capital (leverage) ratio | 9.4510% | 4,087 |
| Tier 1 risk-based capital ratio | 11.7256% | 5,037 |
| Total risk-based capital ratio | 12.3095% | 5,562 |
| Memoranda: | ||
| Average total assets | $118,559,000 | 4,560 |
| Average earning assets | $112,780,200 | 4,453 |
| Average equity | $12,002,200 | 4,823 |
| Average total loans | $105,801,600 | 3,802 |