Home > BEST HOMETOWN BANK > Performance and Condition Ratios
BEST HOMETOWN BANK, 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 | 4.1953% | 3,225 |
| Cost of funding earning assets | 1.1236% | 977 |
| Net interest margin | 3.0717% | 4,154 |
| Noninterest income to average assets | 0.1393% | 4,668 |
| Noninterest expense to average assets | 2.7303% | 2,633 |
| Loan and lease loss provision to assets | 0.0975% | 2,462 |
| Net operating income to assets | 0.1010% | 4,658 |
| Return on assets (ROA) | 0.1010% | 4,651 |
| Pretax return on assets | 0.1010% | 4,659 |
| Return on Equity (ROE) | 0.9852% | 4,630 |
| Retained earnings to average equity (ytd only) | -46.5772% | 5,082 |
| Net charge-offs to loans | -0.0501% | 4,638 |
| Credit loss provision to net charge-offs | -254.5455% | 3,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8442% | 465 |
| Assets per employee ($millions) | 7.3373% | 957 |
| Cash dividends to net income (ytd only)* | 4,827.5862% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0434% | 5,057 |
| Loan loss allowance to noncurrent loans | 33.6283% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 3,839 |
| Noncurrent loans to loans | 0.1292% | 4,001 |
| Net loans and leases to total assets | 74.4872% | 1,537 |
| Net loans and leases to deposits | 86.6959% | 1,911 |
| Net loans and leases to core deposits | 96.3019% | 1,765 |
| Total domestic deposits to total assets | 85.9177% | 2,029 |
| Equity capital to assets | 10.4961% | 3,327 |
| Core capital (leverage) ratio | 10.2104% | 3,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2841% | 2,159 |
| Memoranda: | ||
| Average total assets | $114,859,500 | 3,778 |
| Average earning assets | $104,306,500 | 3,815 |
| Average equity | $11,774,000 | 4,022 |
| Average total loans | $87,799,000 | 3,447 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 3,669 |
| Cost of funding earning assets | 1.8782% | 108 |
| Net interest margin | 2.3751% | 5,017 |
| Noninterest income to average assets | 0.1803% | 4,589 |
| Noninterest expense to average assets | 2.6027% | 3,169 |
| Loan and lease loss provision to assets | -0.2220% | 5,126 |
| Net operating income to assets | -0.0231% | 4,978 |
| Return on assets (ROA) | -0.0231% | 4,998 |
| Pretax return on assets | -0.0231% | 4,986 |
| Return on Equity (ROE) | -0.2370% | 5,000 |
| Retained earnings to average equity (ytd only) | -0.2370% | 4,734 |
| Net charge-offs to loans | 0.0362% | 2,657 |
| Credit loss provision to net charge-offs | -781.2500% | 4,491 |
| Earnings coverage of net charge-offs (x) | -8.6250% | 3,690 |
| Efficiency ratio | 110.3955% | 101 |
| Assets per employee ($millions) | 6.6072% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,231 |
| Loan loss allowance to noncurrent loans | 659.2857% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 3,675 |
| Noncurrent loans to loans | 0.1589% | 3,893 |
| Net loans and leases to total assets | 77.6261% | 1,135 |
| Net loans and leases to deposits | 87.6654% | 1,887 |
| Net loans and leases to core deposits | 97.0342% | 1,811 |
| Total domestic deposits to total assets | 88.5482% | 862 |
| Equity capital to assets | 9.9944% | 3,926 |
| Core capital (leverage) ratio | 10.5040% | 2,950 |
| Tier 1 risk-based capital ratio | 15.9788% | 2,416 |
| Total risk-based capital ratio | 17.2249% | 2,364 |
| Memoranda: | ||
| Average total assets | $112,614,200 | 3,795 |
| Average earning assets | $103,239,400 | 3,814 |
| Average equity | $10,971,200 | 4,131 |
| Average total loans | $88,382,200 | 3,439 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 3,836 |
| Cost of funding earning assets | 1.8554% | 118 |
| Net interest margin | 2.3826% | 5,108 |
| Noninterest income to average assets | 0.1739% | 4,674 |
| Noninterest expense to average assets | 2.6219% | 3,098 |
| Loan and lease loss provision to assets | -0.2958% | 5,226 |
| Net operating income to assets | 0.0296% | 5,054 |
| Return on assets (ROA) | 0.0296% | 5,070 |
| Pretax return on assets | 0.0296% | 5,068 |
| Return on Equity (ROE) | 0.3056% | 5,067 |
| Retained earnings to average equity (ytd only) | 0.3056% | 4,706 |
| Net charge-offs to loans | 0.0497% | 2,124 |
| Credit loss provision to net charge-offs | -757.5758% | 4,388 |
| Earnings coverage of net charge-offs (x) | -6.8180% | 3,429 |
| Efficiency ratio | 111.3009% | 101 |
| Assets per employee ($millions) | 5.7812% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 3,430 |
| Loan loss allowance to noncurrent loans | 215.9251% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 2,765 |
| Noncurrent loans to loans | 0.4747% | 2,870 |
| Net loans and leases to total assets | 77.0013% | 1,318 |
| Net loans and leases to deposits | 88.3596% | 1,885 |
| Net loans and leases to core deposits | 97.3389% | 1,868 |
| Total domestic deposits to total assets | 87.1454% | 1,448 |
| Equity capital to assets | 9.6684% | 4,317 |
| Core capital (leverage) ratio | 10.3419% | 3,271 |
| Tier 1 risk-based capital ratio | 15.3406% | 2,691 |
| Total risk-based capital ratio | 16.5315% | 2,653 |
| Memoranda: | ||
| Average total assets | $112,687,000 | 3,837 |
| Average earning assets | $103,189,250 | 3,858 |
| Average equity | $10,907,500 | 4,175 |
| Average total loans | $88,449,000 | 3,473 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 3,868 |
| Cost of funding earning assets | 1.8042% | 126 |
| Net interest margin | 2.4180% | 5,160 |
| Noninterest income to average assets | 0.1755% | 4,695 |
| Noninterest expense to average assets | 2.7071% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.3241% | 5,170 |
| Return on assets (ROA) | -0.3241% | 5,175 |
| Pretax return on assets | -0.3241% | 5,169 |
| Return on Equity (ROE) | -3.3466% | 5,189 |
| Retained earnings to average equity (ytd only) | -3.3466% | 4,984 |
| Net charge-offs to loans | 0.0796% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -5.1714% | 3,144 |
| Efficiency ratio | 113.5988% | 89 |
| Assets per employee ($millions) | 5.7226% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,001 |
| Loan loss allowance to noncurrent loans | 795.9184% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,631 |
| Noncurrent loans to loans | 0.1638% | 3,966 |
| Net loans and leases to total assets | 77.3895% | 1,329 |
| Net loans and leases to deposits | 90.4776% | 1,684 |
| Net loans and leases to core deposits | 99.3505% | 1,780 |
| Total domestic deposits to total assets | 85.5344% | 2,249 |
| Equity capital to assets | 9.5080% | 4,394 |
| Core capital (leverage) ratio | 10.3701% | 3,223 |
| Tier 1 risk-based capital ratio | 15.2847% | 2,721 |
| Total risk-based capital ratio | 16.5378% | 2,651 |
| Memoranda: | ||
| Average total assets | $111,708,000 | 3,873 |
| Average earning assets | $101,986,670 | 3,899 |
| Average equity | $10,817,000 | 4,196 |
| Average total loans | $87,947,330 | 3,499 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 3,770 |
| Cost of funding earning assets | 1.7592% | 125 |
| Net interest margin | 2.4740% | 5,200 |
| Noninterest income to average assets | 0.1595% | 4,781 |
| Noninterest expense to average assets | 2.8023% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.3843% | 5,240 |
| Return on assets (ROA) | -0.3843% | 5,236 |
| Pretax return on assets | -0.3843% | 5,230 |
| Return on Equity (ROE) | -3.9316% | 5,254 |
| Retained earnings to average equity (ytd only) | -3.9316% | 4,862 |
| Net charge-offs to loans | 0.1654% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -2.9444% | 2,705 |
| Efficiency ratio | 115.8921% | 85 |
| Assets per employee ($millions) | 5.5649% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,479.7468% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 3,916 |
| Noncurrent loans to loans | 0.0905% | 4,346 |
| Net loans and leases to total assets | 77.3410% | 1,267 |
| Net loans and leases to deposits | 92.2694% | 1,375 |
| Net loans and leases to core deposits | 101.4532% | 1,504 |
| Total domestic deposits to total assets | 83.8209% | 3,111 |
| Equity capital to assets | 9.6821% | 4,106 |
| Core capital (leverage) ratio | 10.5547% | 2,991 |
| Tier 1 risk-based capital ratio | 16.4566% | 2,283 |
| Total risk-based capital ratio | 17.7112% | 2,226 |
| Memoranda: | ||
| Average total assets | $110,336,500 | 3,930 |
| Average earning assets | $100,729,500 | 3,961 |
| Average equity | $10,784,500 | 4,226 |
| Average total loans | $87,049,500 | 3,558 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 4,024 |
| Cost of funding earning assets | 1.4330% | 119 |
| Net interest margin | 2.5686% | 5,174 |
| Noninterest income to average assets | 0.2281% | 4,545 |
| Noninterest expense to average assets | 3.3591% | 1,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.7903% | 5,333 |
| Return on assets (ROA) | -0.7903% | 5,327 |
| Pretax return on assets | -0.7903% | 5,327 |
| Return on Equity (ROE) | -8.2008% | 5,337 |
| Retained earnings to average equity (ytd only) | -8.2008% | 5,296 |
| Net charge-offs to loans | 0.0118% | 3,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -86.6000% | 3,776 |
| Efficiency ratio | 130.7638% | 42 |
| Assets per employee ($millions) | 5.2083% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 1,688 |
| Loan loss allowance to noncurrent loans | 782.4675% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 3,747 |
| Noncurrent loans to loans | 0.1773% | 3,961 |
| Net loans and leases to total assets | 78.3049% | 1,226 |
| Net loans and leases to deposits | 93.6923% | 1,316 |
| Net loans and leases to core deposits | 103.6864% | 1,440 |
| Total domestic deposits to total assets | 83.5767% | 3,133 |
| Equity capital to assets | 9.5543% | 4,083 |
| Core capital (leverage) ratio | 10.6578% | 2,882 |
| Tier 1 risk-based capital ratio | 17.1399% | 2,018 |
| Total risk-based capital ratio | 18.3954% | 1,958 |
| Memoranda: | ||
| Average total assets | $109,583,800 | 3,951 |
| Average earning assets | $99,860,800 | 3,977 |
| Average equity | $10,560,000 | 4,227 |
| Average total loans | $84,553,000 | 3,582 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9310% | 4,136 |
| Cost of funding earning assets | 1.3491% | 138 |
| Net interest margin | 2.5819% | 5,230 |
| Noninterest income to average assets | 0.2311% | 4,586 |
| Noninterest expense to average assets | 3.5219% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.9425% | 5,418 |
| Return on assets (ROA) | -0.9425% | 5,412 |
| Pretax return on assets | -0.9425% | 5,411 |
| Return on Equity (ROE) | -9.7597% | 5,418 |
| Retained earnings to average equity (ytd only) | -9.7597% | 5,389 |
| Net charge-offs to loans | -0.0079% | 4,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5394% | 33 |
| Assets per employee ($millions) | 4.8012% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 1,654 |
| Loan loss allowance to noncurrent loans | 713.4503% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 3,804 |
| Noncurrent loans to loans | 0.1977% | 4,001 |
| Net loans and leases to total assets | 77.2150% | 1,462 |
| Net loans and leases to deposits | 99.8946% | 793 |
| Net loans and leases to core deposits | 113.3855% | 850 |
| Total domestic deposits to total assets | 77.2965% | 4,597 |
| Equity capital to assets | 9.4378% | 4,143 |
| Core capital (leverage) ratio | 10.8623% | 2,711 |
| Tier 1 risk-based capital ratio | 17.9104% | 1,816 |
| Total risk-based capital ratio | 19.1669% | 1,778 |
| Memoranda: | ||
| Average total assets | $109,636,000 | 3,989 |
| Average earning assets | $99,716,750 | 4,021 |
| Average equity | $10,587,500 | 4,262 |
| Average total loans | $83,978,500 | 3,626 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 4,068 |
| Cost of funding earning assets | 1.2829% | 128 |
| Net interest margin | 2.6222% | 5,260 |
| Noninterest income to average assets | 0.2121% | 4,744 |
| Noninterest expense to average assets | 3.8822% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -1.2892% | 5,487 |
| Return on assets (ROA) | -1.2892% | 5,481 |
| Pretax return on assets | -1.2892% | 5,480 |
| Return on Equity (ROE) | -13.2486% | 5,488 |
| Retained earnings to average equity (ytd only) | -13.2486% | 5,451 |
| Net charge-offs to loans | -0.0096% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.7179% | 31 |
| Assets per employee ($millions) | 5.2267% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 1,619 |
| Loan loss allowance to noncurrent loans | 1,269.7917% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,181 |
| Noncurrent loans to loans | 0.1130% | 4,401 |
| Net loans and leases to total assets | 76.2956% | 1,587 |
| Net loans and leases to deposits | 99.0432% | 882 |
| Net loans and leases to core deposits | 109.9178% | 1,010 |
| Total domestic deposits to total assets | 77.0326% | 4,731 |
| Equity capital to assets | 9.5927% | 4,008 |
| Core capital (leverage) ratio | 10.9360% | 2,573 |
| Tier 1 risk-based capital ratio | 17.4752% | 1,947 |
| Total risk-based capital ratio | 18.7313% | 1,898 |
| Memoranda: | ||
| Average total assets | $109,372,000 | 4,031 |
| Average earning assets | $99,306,000 | 4,061 |
| Average equity | $10,642,670 | 4,287 |
| Average total loans | $83,142,330 | 3,655 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 4,039 |
| Cost of funding earning assets | 1.2215% | 126 |
| Net interest margin | 2.6412% | 5,294 |
| Noninterest income to average assets | 0.2162% | 4,713 |
| Noninterest expense to average assets | 2.9053% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2968% | 5,471 |
| Return on assets (ROA) | -0.2968% | 5,465 |
| Pretax return on assets | -0.2968% | 5,467 |
| Return on Equity (ROE) | -3.0282% | 5,468 |
| Retained earnings to average equity (ytd only) | -3.0282% | 5,087 |
| Net charge-offs to loans | -0.0097% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3764% | 94 |
| Assets per employee ($millions) | 4.9068% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4819% | 1,527 |
| Loan loss allowance to noncurrent loans | 9,361.5385% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 4,481 |
| Noncurrent loans to loans | 0.0158% | 4,921 |
| Net loans and leases to total assets | 74.9484% | 1,714 |
| Net loans and leases to deposits | 92.3964% | 1,407 |
| Net loans and leases to core deposits | 102.1063% | 1,521 |
| Total domestic deposits to total assets | 81.1161% | 4,171 |
| Equity capital to assets | 9.8324% | 3,762 |
| Core capital (leverage) ratio | 11.6919% | 1,860 |
| Tier 1 risk-based capital ratio | 19.6206% | 1,413 |
| Total risk-based capital ratio | 20.8781% | 1,379 |
| Memoranda: | ||
| Average total assets | $109,178,000 | 4,079 |
| Average earning assets | $98,896,000 | 4,117 |
| Average equity | $10,699,500 | 4,319 |
| Average total loans | $82,233,000 | 3,708 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7272% | 4,272 |
| Cost of funding earning assets | 1.2408% | 60 |
| Net interest margin | 2.4864% | 5,418 |
| Noninterest income to average assets | 0.1923% | 4,992 |
| Noninterest expense to average assets | 2.7580% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.2764% | 5,470 |
| Return on assets (ROA) | -0.3203% | 5,481 |
| Pretax return on assets | -0.3203% | 5,519 |
| Return on Equity (ROE) | -3.3054% | 5,494 |
| Retained earnings to average equity (ytd only) | -3.3054% | 5,357 |
| Net charge-offs to loans | -0.0025% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1391% | 98 |
| Assets per employee ($millions) | 5.0120% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,489 |
| Loan loss allowance to noncurrent loans | 2,336.5385% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,529 |
| Noncurrent loans to loans | 0.0632% | 4,708 |
| Net loans and leases to total assets | 73.5399% | 1,997 |
| Net loans and leases to deposits | 92.2041% | 1,493 |
| Net loans and leases to core deposits | 102.1594% | 1,546 |
| Total domestic deposits to total assets | 79.7577% | 4,383 |
| Equity capital to assets | 9.7366% | 3,983 |
| Core capital (leverage) ratio | 11.1930% | 2,160 |
| Tier 1 risk-based capital ratio | 19.4296% | 1,427 |
| Total risk-based capital ratio | 20.6869% | 1,400 |
| Memoranda: | ||
| Average total assets | $111,785,000 | 4,026 |
| Average earning assets | $102,919,600 | 4,046 |
| Average equity | $10,830,600 | 4,329 |
| Average total loans | $79,391,400 | 3,762 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,290 |
| Cost of funding earning assets | 1.2293% | 59 |
| Net interest margin | 2.4832% | 5,481 |
| Noninterest income to average assets | 0.1783% | 5,123 |
| Noninterest expense to average assets | 2.8160% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.3495% | 5,610 |
| Return on assets (ROA) | -0.3721% | 5,612 |
| Pretax return on assets | -0.3721% | 5,605 |
| Return on Equity (ROE) | -3.8448% | 5,622 |
| Retained earnings to average equity (ytd only) | -3.8448% | 5,515 |
| Net charge-offs to loans | -0.0220% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1687% | 80 |
| Assets per employee ($millions) | 5.3565% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 1,534 |
| Loan loss allowance to noncurrent loans | 9,438.4615% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,821 |
| Noncurrent loans to loans | 0.0159% | 5,071 |
| Net loans and leases to total assets | 71.6445% | 2,307 |
| Net loans and leases to deposits | 89.5614% | 1,863 |
| Net loans and leases to core deposits | 98.3657% | 1,858 |
| Total domestic deposits to total assets | 79.9948% | 4,314 |
| Equity capital to assets | 9.5959% | 4,352 |
| Core capital (leverage) ratio | 10.9627% | 2,491 |
| Tier 1 risk-based capital ratio | 19.7649% | 1,421 |
| Total risk-based capital ratio | 21.0230% | 1,376 |
| Memoranda: | ||
| Average total assets | $112,165,250 | 4,068 |
| Average earning assets | $103,360,000 | 4,079 |
| Average equity | $10,854,250 | 4,370 |
| Average total loans | $78,663,500 | 3,806 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7148% | 4,180 |
| Cost of funding earning assets | 1.2267% | 54 |
| Net interest margin | 2.4882% | 5,513 |
| Noninterest income to average assets | 0.1392% | 5,356 |
| Noninterest expense to average assets | 2.8360% | 2,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4016% | 5,667 |
| Return on assets (ROA) | -0.4355% | 5,673 |
| Pretax return on assets | -0.4355% | 5,657 |
| Return on Equity (ROE) | -4.4876% | 5,678 |
| Retained earnings to average equity (ytd only) | -4.4876% | 5,513 |
| Net charge-offs to loans | -0.0490% | 5,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4956% | 75 |
| Assets per employee ($millions) | 5.1271% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,477 |
| Loan loss allowance to noncurrent loans | 8,800.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0851% | 4,856 |
| Noncurrent loans to loans | 0.0174% | 5,102 |
| Net loans and leases to total assets | 70.2625% | 2,489 |
| Net loans and leases to deposits | 87.6636% | 2,029 |
| Net loans and leases to core deposits | 96.1949% | 1,964 |
| Total domestic deposits to total assets | 80.1502% | 4,374 |
| Equity capital to assets | 9.5809% | 4,335 |
| Core capital (leverage) ratio | 10.8900% | 2,520 |
| Tier 1 risk-based capital ratio | 19.8938% | 1,386 |
| Total risk-based capital ratio | 21.1525% | 1,350 |
| Memoranda: | ||
| Average total assets | $112,058,330 | 4,098 |
| Average earning assets | $103,369,330 | 4,109 |
| Average equity | $10,874,330 | 4,379 |
| Average total loans | $77,612,330 | 3,850 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6607% | 4,234 |
| Cost of funding earning assets | 1.1815% | 63 |
| Net interest margin | 2.4792% | 5,565 |
| Noninterest income to average assets | 0.0824% | 5,640 |
| Noninterest expense to average assets | 2.8042% | 2,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.4298% | 5,728 |
| Return on assets (ROA) | -0.4298% | 5,725 |
| Pretax return on assets | -0.4298% | 5,716 |
| Return on Equity (ROE) | -4.4004% | 5,728 |
| Retained earnings to average equity (ytd only) | -4.4004% | 5,349 |
| Net charge-offs to loans | 0.1103% | 1,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -5.7143% | 2,906 |
| Efficiency ratio | 118.0995% | 78 |
| Assets per employee ($millions) | 5.4280% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 1,508 |
| Loan loss allowance to noncurrent loans | 1,180.1980% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 4,811 |
| Noncurrent loans to loans | 0.1314% | 4,661 |
| Net loans and leases to total assets | 66.4079% | 2,912 |
| Net loans and leases to deposits | 82.8349% | 2,416 |
| Net loans and leases to core deposits | 90.7638% | 2,289 |
| Total domestic deposits to total assets | 80.1690% | 4,586 |
| Equity capital to assets | 9.5370% | 4,246 |
| Core capital (leverage) ratio | 11.3214% | 2,088 |
| Tier 1 risk-based capital ratio | 20.2195% | 1,345 |
| Total risk-based capital ratio | 21.4776% | 1,316 |
| Memoranda: | ||
| Average total assets | $111,689,000 | 4,142 |
| Average earning assets | $103,260,000 | 4,147 |
| Average equity | $10,908,000 | 4,405 |
| Average total loans | $76,175,500 | 3,903 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,384 |
| Cost of funding earning assets | 1.2840% | 35 |
| Net interest margin | 2.3613% | 5,676 |
| Noninterest income to average assets | 0.1217% | 5,573 |
| Noninterest expense to average assets | 2.8169% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4774% | 5,786 |
| Return on assets (ROA) | -0.4708% | 5,789 |
| Pretax return on assets | -0.4708% | 5,774 |
| Return on Equity (ROE) | -5.3478% | 5,795 |
| Retained earnings to average equity (ytd only) | -5.3478% | 5,687 |
| Net charge-offs to loans | 0.0479% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -13.9444% | 4,244 |
| Efficiency ratio | 120.4065% | 84 |
| Assets per employee ($millions) | 5.2092% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6088% | 1,348 |
| Loan loss allowance to noncurrent loans | 629.0155% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,614 |
| Noncurrent loans to loans | 0.2558% | 4,238 |
| Net loans and leases to total assets | 67.8721% | 2,787 |
| Net loans and leases to deposits | 82.7617% | 2,580 |
| Net loans and leases to core deposits | 90.8277% | 2,422 |
| Total domestic deposits to total assets | 82.0091% | 4,075 |
| Equity capital to assets | 9.7528% | 4,007 |
| Core capital (leverage) ratio | 11.5149% | 1,918 |
| Tier 1 risk-based capital ratio | 22.6836% | 1,000 |
| Total risk-based capital ratio | 23.9441% | 980 |
| Memoranda: | ||
| Average total assets | $105,149,400 | 4,254 |
| Average earning assets | $98,757,600 | 4,229 |
| Average equity | $9,256,200 | 4,699 |
| Average total loans | $75,096,400 | 3,920 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,398 |
| Cost of funding earning assets | 1.3023% | 33 |
| Net interest margin | 2.3506% | 5,751 |
| Noninterest income to average assets | 0.1178% | 5,649 |
| Noninterest expense to average assets | 2.8629% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.5393% | 5,863 |
| Return on assets (ROA) | -0.5303% | 5,864 |
| Pretax return on assets | -0.5303% | 5,854 |
| Return on Equity (ROE) | -6.2000% | 5,880 |
| Retained earnings to average equity (ytd only) | -6.2000% | 5,770 |
| Net charge-offs to loans | 0.0462% | 2,722 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -16.1904% | 3,926 |
| Efficiency ratio | 123.2084% | 74 |
| Assets per employee ($millions) | 5.7678% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 1,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 5,427 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.5972% | 2,710 |
| Net loans and leases to deposits | 85.5214% | 2,314 |
| Net loans and leases to core deposits | 93.6912% | 2,215 |
| Total domestic deposits to total assets | 80.2106% | 4,468 |
| Equity capital to assets | 9.9472% | 4,177 |
| Core capital (leverage) ratio | 12.3443% | 1,465 |
| Tier 1 risk-based capital ratio | 23.0019% | 1,002 |
| Total risk-based capital ratio | 24.2628% | 986 |
| Memoranda: | ||
| Average total assets | $104,088,250 | 4,316 |
| Average earning assets | $97,673,750 | 4,279 |
| Average equity | $8,903,000 | 4,823 |
| Average total loans | $75,005,000 | 3,953 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 4,312 |
| Cost of funding earning assets | 1.3285% | 29 |
| Net interest margin | 2.3670% | 5,829 |
| Noninterest income to average assets | 0.1037% | 5,763 |
| Noninterest expense to average assets | 2.8830% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.5594% | 5,930 |
| Return on assets (ROA) | -0.5594% | 5,932 |
| Pretax return on assets | -0.5594% | 5,925 |
| Return on Equity (ROE) | -6.9443% | 5,952 |
| Retained earnings to average equity (ytd only) | -6.9443% | 5,817 |
| Net charge-offs to loans | 0.0671% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -11.4400% | 3,651 |
| Efficiency ratio | 124.0741% | 79 |
| Assets per employee ($millions) | 5.3833% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6572% | 1,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 4,713 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.4091% | 2,881 |
| Net loans and leases to deposits | 83.5167% | 2,524 |
| Net loans and leases to core deposits | 91.2699% | 2,407 |
| Total domestic deposits to total assets | 80.7133% | 4,359 |
| Equity capital to assets | 10.2485% | 3,915 |
| Core capital (leverage) ratio | 12.8302% | 1,221 |
| Tier 1 risk-based capital ratio | 24.4763% | 857 |
| Total risk-based capital ratio | 25.7381% | 840 |
| Memoranda: | ||
| Average total assets | $102,254,670 | 4,384 |
| Average earning assets | $95,901,000 | 4,344 |
| Average equity | $8,237,000 | 4,986 |
| Average total loans | $74,540,670 | 3,986 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 3,804 |
| Cost of funding earning assets | 1.3379% | 31 |
| Net interest margin | 2.5026% | 5,805 |
| Noninterest income to average assets | 0.1326% | 5,678 |
| Noninterest expense to average assets | 2.9895% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5344% | 5,973 |
| Return on assets (ROA) | -0.5344% | 5,981 |
| Pretax return on assets | -0.5344% | 5,972 |
| Return on Equity (ROE) | -7.7795% | 6,007 |
| Retained earnings to average equity (ytd only) | -7.7795% | 5,740 |
| Net charge-offs to loans | -0.0160% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7676% | 95 |
| Assets per employee ($millions) | 5.0086% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,386 |
| Loan loss allowance to noncurrent loans | 125,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.6219% | 3,198 |
| Noncurrent loans to loans | 0.0014% | 5,535 |
| Net loans and leases to total assets | 72.6248% | 1,935 |
| Net loans and leases to deposits | 86.1577% | 2,046 |
| Net loans and leases to core deposits | 94.3959% | 1,950 |
| Total domestic deposits to total assets | 84.2929% | 3,399 |
| Equity capital to assets | 6.8034% | 6,023 |
| Core capital (leverage) ratio | 8.7953% | 5,081 |
| Tier 1 risk-based capital ratio | 16.4054% | 2,517 |
| Total risk-based capital ratio | 17.6678% | 2,465 |
| Memoranda: | ||
| Average total assets | $99,549,500 | 4,475 |
| Average earning assets | $92,384,000 | 4,453 |
| Average equity | $6,838,500 | 5,264 |
| Average total loans | $74,911,500 | 4,002 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 4,058 |
| Cost of funding earning assets | 1.3003% | 36 |
| Net interest margin | 2.4948% | 5,832 |
| Noninterest income to average assets | 0.2358% | 5,184 |
| Noninterest expense to average assets | 3.0023% | 2,535 |
| Loan and lease loss provision to assets | 0.2748% | 669 |
| Net operating income to assets | -0.7219% | 6,077 |
| Return on assets (ROA) | -0.7198% | 6,079 |
| Pretax return on assets | -0.7198% | 6,072 |
| Return on Equity (ROE) | -9.5567% | 6,098 |
| Retained earnings to average equity (ytd only) | -9.5567% | 6,031 |
| Net charge-offs to loans | 0.1360% | 1,998 |
| Credit loss provision to net charge-offs | 276.2887% | 1,052 |
| Earnings coverage of net charge-offs (x) | -4.4948% | 4,393 |
| Efficiency ratio | 117.4960% | 99 |
| Assets per employee ($millions) | 4.4967% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 1,482 |
| Loan loss allowance to noncurrent loans | 124,900.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.6752% | 3,017 |
| Noncurrent loans to loans | 0.0013% | 5,573 |
| Net loans and leases to total assets | 75.3821% | 1,511 |
| Net loans and leases to deposits | 93.1919% | 1,290 |
| Net loans and leases to core deposits | 102.4143% | 1,333 |
| Total domestic deposits to total assets | 80.8891% | 4,512 |
| Equity capital to assets | 6.9364% | 6,067 |
| Core capital (leverage) ratio | 8.9847% | 4,904 |
| Tier 1 risk-based capital ratio | 16.6188% | 2,416 |
| Total risk-based capital ratio | 17.8819% | 2,372 |
| Memoranda: | ||
| Average total assets | $97,525,600 | 4,509 |
| Average earning assets | $90,670,200 | 4,492 |
| Average equity | $7,345,600 | 5,181 |
| Average total loans | $71,308,600 | 4,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7028% | 4,412 |
| Cost of funding earning assets | 1.2628% | 47 |
| Net interest margin | 2.4400% | 5,949 |
| Noninterest income to average assets | 0.3362% | 4,541 |
| Noninterest expense to average assets | 2.9650% | 2,620 |
| Loan and lease loss provision to assets | 0.0247% | 3,776 |
| Net operating income to assets | -0.3869% | 6,110 |
| Return on assets (ROA) | -0.3842% | 6,121 |
| Pretax return on assets | -0.3842% | 6,110 |
| Return on Equity (ROE) | -4.9999% | 6,136 |
| Retained earnings to average equity (ytd only) | -4.9999% | 6,022 |
| Net charge-offs to loans | 0.0760% | 2,477 |
| Credit loss provision to net charge-offs | 45.0000% | 3,100 |
| Earnings coverage of net charge-offs (x) | -6.6002% | 4,136 |
| Efficiency ratio | 113.9167% | 123 |
| Assets per employee ($millions) | 4.6711% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 2,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6053% | 3,455 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.5568% | 2,306 |
| Net loans and leases to deposits | 94.7940% | 1,109 |
| Net loans and leases to core deposits | 101.3517% | 1,422 |
| Total domestic deposits to total assets | 74.4317% | 5,671 |
| Equity capital to assets | 7.1153% | 6,135 |
| Core capital (leverage) ratio | 9.5124% | 4,286 |
| Tier 1 risk-based capital ratio | 17.4885% | 2,192 |
| Total risk-based capital ratio | 18.7473% | 2,145 |
| Memoranda: | ||
| Average total assets | $97,175,000 | 4,563 |
| Average earning assets | $90,271,000 | 4,550 |
| Average equity | $7,466,500 | 5,222 |
| Average total loans | $70,180,000 | 4,129 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 4,460 |
| Cost of funding earning assets | 1.2495% | 48 |
| Net interest margin | 2.4315% | 6,024 |
| Noninterest income to average assets | 0.3826% | 4,212 |
| Noninterest expense to average assets | 2.9617% | 2,672 |
| Loan and lease loss provision to assets | 0.0372% | 3,374 |
| Net operating income to assets | -0.3826% | 6,155 |
| Return on assets (ROA) | -0.3826% | 6,170 |
| Pretax return on assets | -0.3826% | 6,162 |
| Return on Equity (ROE) | -4.1543% | 6,179 |
| Retained earnings to average equity (ytd only) | -4.1543% | 5,983 |
| Net charge-offs to loans | 0.0087% | 3,601 |
| Credit loss provision to net charge-offs | 600.0000% | 547 |
| Earnings coverage of net charge-offs (x) | -55.6667% | 3,882 |
| Efficiency ratio | 113.2016% | 146 |
| Assets per employee ($millions) | 4.6233% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 2,248 |
| Loan loss allowance to noncurrent loans | 183.6975% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 3,339 |
| Noncurrent loans to loans | 0.8226% | 3,066 |
| Net loans and leases to total assets | 70.0412% | 2,308 |
| Net loans and leases to deposits | 94.0177% | 1,149 |
| Net loans and leases to core deposits | 99.2284% | 1,552 |
| Total domestic deposits to total assets | 74.4979% | 5,751 |
| Equity capital to assets | 8.6606% | 5,555 |
| Core capital (leverage) ratio | 10.5287% | 2,919 |
| Tier 1 risk-based capital ratio | 19.6843% | 1,627 |
| Total risk-based capital ratio | 20.9495% | 1,584 |
| Memoranda: | ||
| Average total assets | $96,700,670 | 4,619 |
| Average earning assets | $88,832,670 | 4,622 |
| Average equity | $8,906,330 | 4,963 |
| Average total loans | $69,052,330 | 4,187 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7752% | 4,109 |
| Cost of funding earning assets | 1.3188% | 38 |
| Net interest margin | 2.4564% | 6,061 |
| Noninterest income to average assets | 0.3058% | 4,744 |
| Noninterest expense to average assets | 3.1424% | 2,151 |
| Loan and lease loss provision to assets | 0.0764% | 2,424 |
| Net operating income to assets | -0.6667% | 6,275 |
| Return on assets (ROA) | -0.6667% | 6,280 |
| Pretax return on assets | -0.6667% | 6,267 |
| Return on Equity (ROE) | -7.0128% | 6,293 |
| Retained earnings to average equity (ytd only) | -7.0128% | 6,040 |
| Net charge-offs to loans | -0.0237% | 5,123 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.1281% | 109 |
| Assets per employee ($millions) | 4.3540% | 3,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,951 |
| Loan loss allowance to noncurrent loans | 174.3265% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.9970% | 2,634 |
| Noncurrent loans to loans | 0.9342% | 2,909 |
| Net loans and leases to total assets | 69.3657% | 2,227 |
| Net loans and leases to deposits | 89.4640% | 1,441 |
| Net loans and leases to core deposits | 94.1547% | 1,752 |
| Total domestic deposits to total assets | 77.5348% | 5,527 |
| Equity capital to assets | 9.2976% | 4,972 |
| Core capital (leverage) ratio | 10.8543% | 2,570 |
| Tier 1 risk-based capital ratio | 22.0050% | 1,244 |
| Total risk-based capital ratio | 23.2679% | 1,222 |
| Memoranda: | ||
| Average total assets | $94,194,500 | 4,715 |
| Average earning assets | $86,142,000 | 4,714 |
| Average equity | $8,955,000 | 5,003 |
| Average total loans | $67,411,500 | 4,256 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 4,133 |
| Cost of funding earning assets | 1.2580% | 64 |
| Net interest margin | 2.6376% | 6,023 |
| Noninterest income to average assets | 0.6810% | 2,390 |
| Noninterest expense to average assets | 3.1534% | 2,348 |
| Loan and lease loss provision to assets | 0.1692% | 1,542 |
| Net operating income to assets | -0.1650% | 6,193 |
| Return on assets (ROA) | -0.1153% | 6,166 |
| Pretax return on assets | -0.1153% | 6,144 |
| Return on Equity (ROE) | -1.1473% | 6,175 |
| Retained earnings to average equity (ytd only) | -1.1473% | 5,940 |
| Net charge-offs to loans | 0.7429% | 483 |
| Credit loss provision to net charge-offs | 32.7198% | 3,797 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 4,711 |
| Efficiency ratio | 99.8660% | 368 |
| Assets per employee ($millions) | 4.2115% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 2,083 |
| Loan loss allowance to noncurrent loans | 103.0593% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.5229% | 1,787 |
| Noncurrent loans to loans | 1.5547% | 1,885 |
| Net loans and leases to total assets | 71.4505% | 2,006 |
| Net loans and leases to deposits | 93.1294% | 1,170 |
| Net loans and leases to core deposits | 97.2857% | 1,611 |
| Total domestic deposits to total assets | 76.7217% | 5,642 |
| Equity capital to assets | 9.5615% | 4,637 |
| Core capital (leverage) ratio | 11.0572% | 2,352 |
| Tier 1 risk-based capital ratio | 22.4697% | 1,152 |
| Total risk-based capital ratio | 23.7265% | 1,137 |
| Memoranda: | ||
| Average total assets | $94,563,200 | 4,735 |
| Average earning assets | $88,794,200 | 4,682 |
| Average equity | $9,500,800 | 4,862 |
| Average total loans | $65,825,000 | 4,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,066 |
| Cost of funding earning assets | 1.2633% | 67 |
| Net interest margin | 2.6639% | 6,050 |
| Noninterest income to average assets | 0.8459% | 1,716 |
| Noninterest expense to average assets | 3.0555% | 2,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2932% | 5,609 |
| Return on assets (ROA) | 0.3479% | 5,503 |
| Pretax return on assets | 0.3479% | 5,683 |
| Return on Equity (ROE) | 3.4225% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.4225% | 4,186 |
| Net charge-offs to loans | 0.5703% | 656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.7464% | 4,324 |
| Efficiency ratio | 91.2442% | 755 |
| Assets per employee ($millions) | 4.4862% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7369% | 1,861 |
| Loan loss allowance to noncurrent loans | 76.3550% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 1,809 |
| Noncurrent loans to loans | 2.2748% | 1,320 |
| Net loans and leases to total assets | 67.6768% | 2,587 |
| Net loans and leases to deposits | 86.8308% | 1,814 |
| Net loans and leases to core deposits | 90.2693% | 2,196 |
| Total domestic deposits to total assets | 77.9410% | 5,548 |
| Equity capital to assets | 10.2536% | 3,859 |
| Core capital (leverage) ratio | 11.2599% | 2,250 |
| Tier 1 risk-based capital ratio | 24.1182% | 976 |
| Total risk-based capital ratio | 25.3822% | 958 |
| Memoranda: | ||
| Average total assets | $95,040,750 | 4,768 |
| Average earning assets | $89,290,750 | 4,718 |
| Average equity | $9,661,250 | 4,858 |
| Average total loans | $65,461,500 | 4,354 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9803% | 3,814 |
| Cost of funding earning assets | 1.2627% | 71 |
| Net interest margin | 2.7176% | 6,032 |
| Noninterest income to average assets | 1.1582% | 870 |
| Noninterest expense to average assets | 2.9585% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7512% | 3,565 |
| Return on assets (ROA) | 0.7638% | 3,601 |
| Pretax return on assets | 0.7638% | 4,402 |
| Return on Equity (ROE) | 7.5349% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.5349% | 1,510 |
| Net charge-offs to loans | 0.8560% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.2740% | 3,849 |
| Efficiency ratio | 79.7511% | 2,054 |
| Assets per employee ($millions) | 4.5093% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,027 |
| Loan loss allowance to noncurrent loans | 112.2632% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 2,647 |
| Noncurrent loans to loans | 1.5441% | 2,243 |
| Net loans and leases to total assets | 67.4048% | 2,513 |
| Net loans and leases to deposits | 86.5408% | 1,766 |
| Net loans and leases to core deposits | 90.0027% | 2,125 |
| Total domestic deposits to total assets | 77.8880% | 5,658 |
| Equity capital to assets | 10.3913% | 3,573 |
| Core capital (leverage) ratio | 11.3255% | 2,137 |
| Tier 1 risk-based capital ratio | 24.7557% | 900 |
| Total risk-based capital ratio | 26.0227% | 885 |
| Memoranda: | ||
| Average total assets | $95,317,330 | 4,788 |
| Average earning assets | $89,490,000 | 4,740 |
| Average equity | $9,661,670 | 4,870 |
| Average total loans | $65,653,330 | 4,366 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,508 |
| Cost of funding earning assets | 1.2750% | 70 |
| Net interest margin | 2.7684% | 6,003 |
| Noninterest income to average assets | 2.0496% | 326 |
| Noninterest expense to average assets | 2.7732% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8739% | 422 |
| Return on assets (ROA) | 1.8990% | 413 |
| Pretax return on assets | 1.8990% | 650 |
| Return on Equity (ROE) | 18.9710% | 366 |
| Retained earnings to average equity (ytd only) | 18.9710% | 146 |
| Net charge-offs to loans | 0.9697% | 350 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8000% | 2,797 |
| Efficiency ratio | 59.6760% | 5,443 |
| Assets per employee ($millions) | 4.8104% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 1,736 |
| Loan loss allowance to noncurrent loans | 115.4630% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2224% | 2,813 |
| Noncurrent loans to loans | 1.6508% | 2,355 |
| Net loans and leases to total assets | 66.7062% | 2,446 |
| Net loans and leases to deposits | 85.3870% | 1,682 |
| Net loans and leases to core deposits | 88.6605% | 2,033 |
| Total domestic deposits to total assets | 78.1222% | 5,819 |
| Equity capital to assets | 10.1978% | 3,604 |
| Core capital (leverage) ratio | 11.2299% | 2,193 |
| Tier 1 risk-based capital ratio | 24.6083% | 927 |
| Total risk-based capital ratio | 25.6336% | 938 |
| Memoranda: | ||
| Average total assets | $95,628,500 | 4,828 |
| Average earning assets | $89,727,000 | 4,780 |
| Average equity | $9,572,500 | 4,916 |
| Average total loans | $66,002,500 | 4,388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,796 |
| Cost of funding earning assets | 1.3803% | 77 |
| Net interest margin | 2.7050% | 6,133 |
| Noninterest income to average assets | 0.2371% | 5,651 |
| Noninterest expense to average assets | 2.5841% | 4,518 |
| Loan and lease loss provision to assets | 0.1056% | 3,030 |
| Net operating income to assets | 0.0611% | 6,114 |
| Return on assets (ROA) | 0.0611% | 6,161 |
| Pretax return on assets | 0.0611% | 6,142 |
| Return on Equity (ROE) | 0.6425% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.6425% | 5,544 |
| Net charge-offs to loans | 0.1557% | 3,247 |
| Credit loss provision to net charge-offs | 97.1429% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 4,546 |
| Efficiency ratio | 93.9405% | 756 |
| Assets per employee ($millions) | 4.5262% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,312 |
| Loan loss allowance to noncurrent loans | 88.9943% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.8264% | 2,007 |
| Noncurrent loans to loans | 2.3745% | 1,617 |
| Net loans and leases to total assets | 68.5692% | 2,244 |
| Net loans and leases to deposits | 87.5032% | 1,518 |
| Net loans and leases to core deposits | 89.9065% | 2,040 |
| Total domestic deposits to total assets | 78.3619% | 5,769 |
| Equity capital to assets | 9.8201% | 4,003 |
| Core capital (leverage) ratio | 10.8840% | 2,495 |
| Tier 1 risk-based capital ratio | 23.6157% | 1,001 |
| Total risk-based capital ratio | 24.6617% | 1,011 |
| Memoranda: | ||
| Average total assets | $96,592,000 | 4,825 |
| Average earning assets | $89,761,200 | 4,778 |
| Average equity | $9,182,400 | 5,044 |
| Average total loans | $67,419,000 | 4,359 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 3,771 |
| Cost of funding earning assets | 1.3956% | 77 |
| Net interest margin | 2.7009% | 6,171 |
| Noninterest income to average assets | 0.2942% | 5,346 |
| Noninterest expense to average assets | 2.5476% | 4,568 |
| Loan and lease loss provision to assets | 0.1334% | 2,615 |
| Net operating income to assets | 0.1196% | 6,099 |
| Return on assets (ROA) | 0.1196% | 6,166 |
| Pretax return on assets | 0.1196% | 6,192 |
| Return on Equity (ROE) | 1.2685% | 6,129 |
| Retained earnings to average equity (ytd only) | 1.2685% | 5,477 |
| Net charge-offs to loans | 0.0868% | 3,709 |
| Credit loss provision to net charge-offs | 220.4545% | 1,106 |
| Earnings coverage of net charge-offs (x) | 4.1815% | 3,518 |
| Efficiency ratio | 90.9671% | 922 |
| Assets per employee ($millions) | 5.4062% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,350 |
| Loan loss allowance to noncurrent loans | 140.9441% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 3,113 |
| Noncurrent loans to loans | 1.5519% | 2,835 |
| Net loans and leases to total assets | 67.2319% | 2,424 |
| Net loans and leases to deposits | 85.5048% | 1,673 |
| Net loans and leases to core deposits | 88.1357% | 2,171 |
| Total domestic deposits to total assets | 78.6293% | 5,811 |
| Equity capital to assets | 9.2754% | 4,832 |
| Core capital (leverage) ratio | 10.6754% | 2,812 |
| Tier 1 risk-based capital ratio | 23.6345% | 1,053 |
| Total risk-based capital ratio | 24.9274% | 1,028 |
| Memoranda: | ||
| Average total assets | $96,977,500 | 4,855 |
| Average earning assets | $89,992,750 | 4,812 |
| Average equity | $9,144,500 | 5,104 |
| Average total loans | $67,628,250 | 4,384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 3,011 |
| Cost of funding earning assets | 1.4124% | 76 |
| Net interest margin | 2.8738% | 5,843 |
| Noninterest income to average assets | 0.2498% | 5,660 |
| Noninterest expense to average assets | 2.5912% | 4,423 |
| Loan and lease loss provision to assets | 0.1693% | 2,220 |
| Net operating income to assets | 0.1569% | 6,011 |
| Return on assets (ROA) | 0.1569% | 6,122 |
| Pretax return on assets | 0.1569% | 6,148 |
| Return on Equity (ROE) | 1.6551% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.6551% | 5,194 |
| Net charge-offs to loans | 0.0589% | 3,857 |
| Credit loss provision to net charge-offs | 410.0000% | 645 |
| Earnings coverage of net charge-offs (x) | 7.9000% | 2,482 |
| Efficiency ratio | 88.8181% | 1,146 |
| Assets per employee ($millions) | 5.3631% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2035% | 1,414 |
| Loan loss allowance to noncurrent loans | 143.6098% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 3,090 |
| Noncurrent loans to loans | 1.5344% | 2,999 |
| Net loans and leases to total assets | 67.6742% | 2,310 |
| Net loans and leases to deposits | 86.0692% | 1,571 |
| Net loans and leases to core deposits | 89.0321% | 2,002 |
| Total domestic deposits to total assets | 78.6277% | 5,866 |
| Equity capital to assets | 9.3561% | 4,776 |
| Core capital (leverage) ratio | 10.7561% | 2,612 |
| Tier 1 risk-based capital ratio | 24.1116% | 989 |
| Total risk-based capital ratio | 25.3848% | 962 |
| Memoranda: | ||
| Average total assets | $96,866,330 | 4,887 |
| Average earning assets | $89,917,000 | 4,849 |
| Average equity | $9,184,000 | 5,129 |
| Average total loans | $67,875,330 | 4,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 2,742 |
| Cost of funding earning assets | 1.4320% | 76 |
| Net interest margin | 2.9040% | 5,802 |
| Noninterest income to average assets | 0.3751% | 4,663 |
| Noninterest expense to average assets | 2.5847% | 4,449 |
| Loan and lease loss provision to assets | 0.1525% | 2,341 |
| Net operating income to assets | 0.3298% | 5,444 |
| Return on assets (ROA) | 0.3298% | 5,581 |
| Pretax return on assets | 0.3298% | 5,780 |
| Return on Equity (ROE) | 3.4557% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.4557% | 4,178 |
| Net charge-offs to loans | -0.0936% | 6,415 |
| Credit loss provision to net charge-offs | -231.2500% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2742% | 1,728 |
| Assets per employee ($millions) | 5.0968% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 1,687 |
| Loan loss allowance to noncurrent loans | 108.2902% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.8102% | 2,599 |
| Noncurrent loans to loans | 1.9868% | 2,632 |
| Net loans and leases to total assets | 68.7071% | 1,889 |
| Net loans and leases to deposits | 87.7691% | 1,169 |
| Net loans and leases to core deposits | 90.8453% | 1,623 |
| Total domestic deposits to total assets | 78.2817% | 6,076 |
| Equity capital to assets | 9.5859% | 4,730 |
| Core capital (leverage) ratio | 10.5442% | 2,713 |
| Tier 1 risk-based capital ratio | 22.6147% | 1,219 |
| Total risk-based capital ratio | 23.8875% | 1,194 |
| Memoranda: | ||
| Average total assets | $97,031,500 | 4,926 |
| Average earning assets | $89,944,500 | 4,888 |
| Average equity | $9,260,000 | 5,166 |
| Average total loans | $68,412,000 | 4,405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 3,107 |
| Cost of funding earning assets | 1.6089% | 103 |
| Net interest margin | 2.9645% | 6,109 |
| Noninterest income to average assets | 0.0282% | 6,761 |
| Noninterest expense to average assets | 2.4989% | 5,097 |
| Loan and lease loss provision to assets | 0.9744% | 436 |
| Net operating income to assets | -0.7104% | 6,652 |
| Return on assets (ROA) | -0.7104% | 6,680 |
| Pretax return on assets | -0.7104% | 6,656 |
| Return on Equity (ROE) | -7.2020% | 6,664 |
| Retained earnings to average equity (ytd only) | -7.2020% | 6,539 |
| Net charge-offs to loans | 1.5637% | 556 |
| Credit loss provision to net charge-offs | 85.9556% | 3,629 |
| Earnings coverage of net charge-offs (x) | 0.2329% | 5,359 |
| Efficiency ratio | 90.4449% | 1,025 |
| Assets per employee ($millions) | 5.1170% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0487% | 1,896 |
| Loan loss allowance to noncurrent loans | 107.9632% | 3,152 |
| Noncurrent assets plus other real estate owned to assets | 1.8792% | 2,600 |
| Noncurrent loans to loans | 1.8976% | 2,807 |
| Net loans and leases to total assets | 69.3406% | 1,965 |
| Net loans and leases to deposits | 88.7577% | 1,192 |
| Net loans and leases to core deposits | 91.8486% | 1,645 |
| Total domestic deposits to total assets | 78.1235% | 6,062 |
| Equity capital to assets | 9.5008% | 4,873 |
| Core capital (leverage) ratio | 10.6232% | 2,629 |
| Tier 1 risk-based capital ratio | 22.0882% | 1,250 |
| Total risk-based capital ratio | 23.2788% | 1,229 |
| Memoranda: | ||
| Average total assets | $99,245,200 | 4,853 |
| Average earning assets | $91,550,800 | 4,823 |
| Average equity | $9,789,000 | 5,027 |
| Average total loans | $71,946,800 | 4,283 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 3,039 |
| Cost of funding earning assets | 1.6353% | 108 |
| Net interest margin | 3.0097% | 6,152 |
| Noninterest income to average assets | 0.0361% | 6,847 |
| Noninterest expense to average assets | 2.4353% | 5,290 |
| Loan and lease loss provision to assets | 0.3302% | 1,986 |
| Net operating income to assets | 0.0454% | 6,215 |
| Return on assets (ROA) | 0.0454% | 6,351 |
| Pretax return on assets | 0.0454% | 6,344 |
| Return on Equity (ROE) | 0.4566% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.4566% | 5,954 |
| Net charge-offs to loans | 1.1861% | 832 |
| Credit loss provision to net charge-offs | 38.1762% | 4,652 |
| Earnings coverage of net charge-offs (x) | 0.4343% | 5,106 |
| Efficiency ratio | 86.6381% | 1,330 |
| Assets per employee ($millions) | 5.7685% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 3,258 |
| Loan loss allowance to noncurrent loans | 103.1802% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6622% | 3,088 |
| Noncurrent loans to loans | 1.6180% | 3,364 |
| Net loans and leases to total assets | 70.1521% | 1,885 |
| Net loans and leases to deposits | 90.1436% | 1,132 |
| Net loans and leases to core deposits | 93.6431% | 1,612 |
| Total domestic deposits to total assets | 77.8226% | 6,113 |
| Equity capital to assets | 10.1903% | 4,219 |
| Core capital (leverage) ratio | 11.1089% | 2,291 |
| Tier 1 risk-based capital ratio | 23.6380% | 1,071 |
| Total risk-based capital ratio | 24.9217% | 1,047 |
| Memoranda: | ||
| Average total assets | $99,750,750 | 4,884 |
| Average earning assets | $91,968,500 | 4,849 |
| Average equity | $9,927,000 | 5,040 |
| Average total loans | $72,727,250 | 4,302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 3,135 |
| Cost of funding earning assets | 1.6827% | 108 |
| Net interest margin | 2.9686% | 6,297 |
| Noninterest income to average assets | 0.0758% | 6,770 |
| Noninterest expense to average assets | 2.4204% | 5,383 |
| Loan and lease loss provision to assets | 0.3728% | 1,757 |
| Net operating income to assets | 0.0120% | 6,305 |
| Return on assets (ROA) | 0.0120% | 6,441 |
| Pretax return on assets | 0.0120% | 6,431 |
| Return on Equity (ROE) | 0.1212% | 6,441 |
| Retained earnings to average equity (ytd only) | 0.1212% | 5,999 |
| Net charge-offs to loans | 1.2845% | 835 |
| Credit loss provision to net charge-offs | 39.5349% | 4,269 |
| Earnings coverage of net charge-offs (x) | 0.4080% | 4,873 |
| Efficiency ratio | 86.2829% | 1,405 |
| Assets per employee ($millions) | 5.7766% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 2,888 |
| Loan loss allowance to noncurrent loans | 54.4605% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.7280% | 2,019 |
| Noncurrent loans to loans | 3.2853% | 1,774 |
| Net loans and leases to total assets | 71.6577% | 1,615 |
| Net loans and leases to deposits | 91.7423% | 978 |
| Net loans and leases to core deposits | 94.8511% | 1,518 |
| Total domestic deposits to total assets | 78.1076% | 6,142 |
| Equity capital to assets | 10.0903% | 4,199 |
| Core capital (leverage) ratio | 11.0602% | 2,240 |
| Tier 1 risk-based capital ratio | 22.7627% | 1,164 |
| Total risk-based capital ratio | 23.9554% | 1,158 |
| Memoranda: | ||
| Average total assets | $100,313,000 | 4,892 |
| Average earning assets | $92,231,000 | 4,864 |
| Average equity | $9,905,000 | 5,054 |
| Average total loans | $73,649,000 | 4,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7386% | 2,897 |
| Cost of funding earning assets | 1.7399% | 107 |
| Net interest margin | 2.9987% | 6,295 |
| Noninterest income to average assets | 0.0829% | 6,815 |
| Noninterest expense to average assets | 2.4386% | 5,345 |
| Loan and lease loss provision to assets | 0.3828% | 1,643 |
| Net operating income to assets | 0.0158% | 6,389 |
| Return on assets (ROA) | 0.0158% | 6,497 |
| Pretax return on assets | 0.0158% | 6,505 |
| Return on Equity (ROE) | 0.1616% | 6,496 |
| Retained earnings to average equity (ytd only) | 0.1616% | 5,930 |
| Net charge-offs to loans | 0.3590% | 2,225 |
| Credit loss provision to net charge-offs | 144.7761% | 1,710 |
| Earnings coverage of net charge-offs (x) | 1.5075% | 3,573 |
| Efficiency ratio | 85.9527% | 1,490 |
| Assets per employee ($millions) | 5.8595% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 3,479 |
| Loan loss allowance to noncurrent loans | 94.1043% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.5109% | 3,589 |
| Noncurrent loans to loans | 1.7717% | 3,449 |
| Net loans and leases to total assets | 73.7130% | 1,109 |
| Net loans and leases to deposits | 94.8792% | 609 |
| Net loans and leases to core deposits | 99.2847% | 1,034 |
| Total domestic deposits to total assets | 77.6914% | 6,311 |
| Equity capital to assets | 9.9064% | 4,247 |
| Core capital (leverage) ratio | 10.8991% | 2,346 |
| Tier 1 risk-based capital ratio | 22.8364% | 1,155 |
| Total risk-based capital ratio | 24.0993% | 1,136 |
| Memoranda: | ||
| Average total assets | $101,368,000 | 4,905 |
| Average earning assets | $93,107,000 | 4,876 |
| Average equity | $9,903,000 | 5,064 |
| Average total loans | $74,647,500 | 4,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 2,783 |
| Cost of funding earning assets | 1.9429% | 121 |
| Net interest margin | 3.0803% | 6,383 |
| Noninterest income to average assets | -0.0147% | 7,023 |
| Noninterest expense to average assets | 2.5580% | 5,255 |
| Loan and lease loss provision to assets | 0.8996% | 1,068 |
| Net operating income to assets | -0.6344% | 6,568 |
| Return on assets (ROA) | -0.6344% | 6,609 |
| Pretax return on assets | -0.6344% | 6,570 |
| Return on Equity (ROE) | -6.2881% | 6,595 |
| Retained earnings to average equity (ytd only) | -6.2881% | 6,527 |
| Net charge-offs to loans | 0.7233% | 2,346 |
| Credit loss provision to net charge-offs | 171.7047% | 1,553 |
| Earnings coverage of net charge-offs (x) | 0.5062% | 5,452 |
| Efficiency ratio | 90.6067% | 1,141 |
| Assets per employee ($millions) | 5.1562% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6416% | 3,411 |
| Loan loss allowance to noncurrent loans | 75.1073% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8211% | 3,226 |
| Noncurrent loans to loans | 2.1857% | 2,969 |
| Net loans and leases to total assets | 71.1745% | 1,794 |
| Net loans and leases to deposits | 93.0514% | 880 |
| Net loans and leases to core deposits | 97.2765% | 1,392 |
| Total domestic deposits to total assets | 76.4895% | 6,412 |
| Equity capital to assets | 9.6369% | 4,695 |
| Core capital (leverage) ratio | 10.5290% | 2,688 |
| Tier 1 risk-based capital ratio | 21.5701% | 1,306 |
| Total risk-based capital ratio | 22.8360% | 1,269 |
| Memoranda: | ||
| Average total assets | $108,599,600 | 4,677 |
| Average earning assets | $100,056,000 | 4,640 |
| Average equity | $10,957,200 | 4,793 |
| Average total loans | $78,665,200 | 4,182 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0362% | 2,907 |
| Cost of funding earning assets | 1.9645% | 137 |
| Net interest margin | 3.0717% | 6,445 |
| Noninterest income to average assets | -0.0303% | 7,140 |
| Noninterest expense to average assets | 2.7122% | 4,679 |
| Loan and lease loss provision to assets | 1.0027% | 855 |
| Net operating income to assets | -0.9130% | 6,848 |
| Return on assets (ROA) | -0.9130% | 6,884 |
| Pretax return on assets | -0.9130% | 6,837 |
| Return on Equity (ROE) | -8.9544% | 6,861 |
| Retained earnings to average equity (ytd only) | -8.9544% | 6,815 |
| Net charge-offs to loans | 0.7162% | 2,119 |
| Credit loss provision to net charge-offs | 193.2243% | 1,509 |
| Earnings coverage of net charge-offs (x) | 0.1729% | 5,474 |
| Efficiency ratio | 96.7979% | 778 |
| Assets per employee ($millions) | 5.5862% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 3,828 |
| Loan loss allowance to noncurrent loans | 56.5136% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 2.3686% | 2,711 |
| Noncurrent loans to loans | 2.7680% | 2,517 |
| Net loans and leases to total assets | 71.5010% | 1,819 |
| Net loans and leases to deposits | 93.2217% | 903 |
| Net loans and leases to core deposits | 98.6391% | 1,375 |
| Total domestic deposits to total assets | 76.6999% | 6,422 |
| Equity capital to assets | 10.1322% | 4,178 |
| Core capital (leverage) ratio | 10.1202% | 3,286 |
| Tier 1 risk-based capital ratio | 19.7529% | 1,746 |
| Total risk-based capital ratio | 21.0161% | 1,714 |
| Memoranda: | ||
| Average total assets | $109,968,500 | 4,676 |
| Average earning assets | $101,397,250 | 4,630 |
| Average equity | $11,212,000 | 4,758 |
| Average total loans | $79,675,750 | 4,184 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0940% | 2,708 |
| Cost of funding earning assets | 1.9717% | 155 |
| Net interest margin | 3.1223% | 6,364 |
| Noninterest income to average assets | 0.0018% | 7,183 |
| Noninterest expense to average assets | 2.5134% | 5,479 |
| Loan and lease loss provision to assets | 1.2171% | 634 |
| Net operating income to assets | -0.8504% | 6,893 |
| Return on assets (ROA) | -0.8504% | 6,895 |
| Pretax return on assets | -0.8504% | 6,845 |
| Return on Equity (ROE) | -8.3240% | 6,877 |
| Retained earnings to average equity (ytd only) | -8.3240% | 6,791 |
| Net charge-offs to loans | 1.0629% | 1,482 |
| Credit loss provision to net charge-offs | 158.1776% | 1,924 |
| Earnings coverage of net charge-offs (x) | 0.4766% | 4,949 |
| Efficiency ratio | 87.2659% | 1,484 |
| Assets per employee ($millions) | 5.4785% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 5,321 |
| Loan loss allowance to noncurrent loans | 68.9415% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.1886% | 2,999 |
| Noncurrent loans to loans | 1.8100% | 3,737 |
| Net loans and leases to total assets | 71.5038% | 1,881 |
| Net loans and leases to deposits | 94.9096% | 812 |
| Net loans and leases to core deposits | 100.0064% | 1,341 |
| Total domestic deposits to total assets | 75.3388% | 6,691 |
| Equity capital to assets | 10.0950% | 4,024 |
| Core capital (leverage) ratio | 10.0632% | 3,184 |
| Tier 1 risk-based capital ratio | 18.5445% | 1,993 |
| Total risk-based capital ratio | 19.8002% | 1,951 |
| Memoranda: | ||
| Average total assets | $111,245,670 | 4,674 |
| Average earning assets | $102,553,000 | 4,636 |
| Average equity | $11,364,670 | 4,725 |
| Average total loans | $80,536,000 | 4,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0728% | 2,763 |
| Cost of funding earning assets | 1.9936% | 170 |
| Net interest margin | 3.0792% | 6,399 |
| Noninterest income to average assets | 0.0678% | 7,049 |
| Noninterest expense to average assets | 2.2340% | 6,345 |
| Loan and lease loss provision to assets | 0.7566% | 1,128 |
| Net operating income to assets | -0.0785% | 6,436 |
| Return on assets (ROA) | -0.0785% | 6,455 |
| Pretax return on assets | -0.0785% | 6,433 |
| Return on Equity (ROE) | -0.7641% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.7641% | 5,935 |
| Net charge-offs to loans | 1.3459% | 1,031 |
| Credit loss provision to net charge-offs | 77.6557% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.6960% | 4,105 |
| Efficiency ratio | 76.7157% | 3,029 |
| Assets per employee ($millions) | 5.5629% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 6,854 |
| Loan loss allowance to noncurrent loans | 60.8774% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.7203% | 3,672 |
| Noncurrent loans to loans | 1.3685% | 4,417 |
| Net loans and leases to total assets | 72.7514% | 1,565 |
| Net loans and leases to deposits | 97.8352% | 582 |
| Net loans and leases to core deposits | 102.2318% | 1,184 |
| Total domestic deposits to total assets | 74.3612% | 6,871 |
| Equity capital to assets | 10.3526% | 3,348 |
| Core capital (leverage) ratio | 10.3961% | 2,707 |
| Tier 1 risk-based capital ratio | 18.5545% | 1,943 |
| Total risk-based capital ratio | 19.6572% | 1,939 |
| Memoranda: | ||
| Average total assets | $112,084,000 | 4,684 |
| Average earning assets | $103,533,000 | 4,648 |
| Average equity | $11,516,500 | 4,665 |
| Average total loans | $81,136,000 | 4,217 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2299% | 3,465 |
| Cost of funding earning assets | 2.3013% | 210 |
| Net interest margin | 2.9285% | 6,855 |
| Noninterest income to average assets | 0.0751% | 7,007 |
| Noninterest expense to average assets | 2.5764% | 5,519 |
| Loan and lease loss provision to assets | 1.5118% | 978 |
| Net operating income to assets | -1.1058% | 6,745 |
| Return on assets (ROA) | -1.1058% | 6,767 |
| Pretax return on assets | -1.3035% | 6,781 |
| Return on Equity (ROE) | -11.4616% | 6,793 |
| Retained earnings to average equity (ytd only) | -11.4616% | 6,738 |
| Net charge-offs to loans | 2.3632% | 814 |
| Credit loss provision to net charge-offs | 95.5125% | 4,872 |
| Earnings coverage of net charge-offs (x) | 0.1316% | 5,990 |
| Efficiency ratio | 92.5217% | 1,146 |
| Assets per employee ($millions) | 5.1323% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,671 |
| Loan loss allowance to noncurrent loans | 21.4410% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 3.3398% | 2,109 |
| Noncurrent loans to loans | 4.2851% | 1,684 |
| Net loans and leases to total assets | 70.7726% | 2,361 |
| Net loans and leases to deposits | 94.8127% | 981 |
| Net loans and leases to core deposits | 98.9855% | 1,705 |
| Total domestic deposits to total assets | 74.6446% | 6,813 |
| Equity capital to assets | 10.1983% | 3,503 |
| Core capital (leverage) ratio | 10.2213% | 2,843 |
| Tier 1 risk-based capital ratio | 17.5605% | 2,151 |
| Total risk-based capital ratio | 18.7006% | 2,161 |
| Memoranda: | ||
| Average total assets | $123,893,800 | 4,404 |
| Average earning assets | $114,630,400 | 4,356 |
| Average equity | $11,953,000 | 4,625 |
| Average total loans | $82,980,400 | 4,245 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3409% | 3,161 |
| Cost of funding earning assets | 2.3592% | 222 |
| Net interest margin | 2.9817% | 6,866 |
| Noninterest income to average assets | 0.0558% | 7,246 |
| Noninterest expense to average assets | 2.4363% | 5,926 |
| Loan and lease loss provision to assets | 0.6191% | 2,463 |
| Net operating income to assets | -0.1579% | 6,258 |
| Return on assets (ROA) | -0.1579% | 6,337 |
| Pretax return on assets | -0.2411% | 6,354 |
| Return on Equity (ROE) | -1.6580% | 6,357 |
| Retained earnings to average equity (ytd only) | -1.6580% | 6,128 |
| Net charge-offs to loans | 0.7340% | 2,587 |
| Credit loss provision to net charge-offs | 127.8261% | 3,182 |
| Earnings coverage of net charge-offs (x) | 0.7804% | 5,276 |
| Efficiency ratio | 86.5694% | 1,573 |
| Assets per employee ($millions) | 4.7903% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 5,635 |
| Loan loss allowance to noncurrent loans | 58.5679% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.8229% | 3,718 |
| Noncurrent loans to loans | 1.9944% | 3,688 |
| Net loans and leases to total assets | 67.6144% | 3,306 |
| Net loans and leases to deposits | 93.3837% | 1,273 |
| Net loans and leases to core deposits | 97.6944% | 2,074 |
| Total domestic deposits to total assets | 72.4050% | 7,095 |
| Equity capital to assets | 10.0453% | 4,102 |
| Core capital (leverage) ratio | 10.4457% | 2,748 |
| Tier 1 risk-based capital ratio | 18.3752% | 1,910 |
| Total risk-based capital ratio | 19.6277% | 1,870 |
| Memoranda: | ||
| Average total assets | $126,639,500 | 4,402 |
| Average earning assets | $117,155,500 | 4,353 |
| Average equity | $12,062,500 | 4,658 |
| Average total loans | $83,562,750 | 4,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 2,918 |
| Cost of funding earning assets | 2.4428% | 212 |
| Net interest margin | 2.9709% | 6,893 |
| Noninterest income to average assets | 0.0729% | 7,222 |
| Noninterest expense to average assets | 2.4369% | 5,953 |
| Loan and lease loss provision to assets | 0.7601% | 1,890 |
| Net operating income to assets | -0.2451% | 6,408 |
| Return on assets (ROA) | -0.2451% | 6,447 |
| Pretax return on assets | -0.3754% | 6,496 |
| Return on Equity (ROE) | -2.6173% | 6,480 |
| Retained earnings to average equity (ytd only) | -2.6173% | 6,244 |
| Net charge-offs to loans | 0.8632% | 2,101 |
| Credit loss provision to net charge-offs | 134.9862% | 2,972 |
| Earnings coverage of net charge-offs (x) | 0.6832% | 5,064 |
| Efficiency ratio | 86.3661% | 1,666 |
| Assets per employee ($millions) | 5.1054% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 5,636 |
| Loan loss allowance to noncurrent loans | 46.0058% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 3,630 |
| Noncurrent loans to loans | 2.5297% | 3,125 |
| Net loans and leases to total assets | 63.6108% | 4,330 |
| Net loans and leases to deposits | 90.0539% | 1,844 |
| Net loans and leases to core deposits | 94.2721% | 2,672 |
| Total domestic deposits to total assets | 70.6364% | 7,288 |
| Equity capital to assets | 9.4176% | 4,839 |
| Core capital (leverage) ratio | 9.7709% | 3,448 |
| Tier 1 risk-based capital ratio | 16.7531% | 2,378 |
| Total risk-based capital ratio | 18.0042% | 2,329 |
| Memoranda: | ||
| Average total assets | $128,933,670 | 4,378 |
| Average earning assets | $119,290,000 | 4,329 |
| Average equity | $12,073,330 | 4,660 |
| Average total loans | $84,107,000 | 4,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 2,969 |
| Cost of funding earning assets | 2.5437% | 198 |
| Net interest margin | 2.8704% | 7,073 |
| Noninterest income to average assets | 0.0679% | 7,378 |
| Noninterest expense to average assets | 2.3336% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2624% | 5,441 |
| Return on assets (ROA) | 0.2624% | 5,567 |
| Pretax return on assets | 0.3920% | 5,322 |
| Return on Equity (ROE) | 2.8099% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.8099% | 4,447 |
| Net charge-offs to loans | -0.8321% | 7,841 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6172% | 1,835 |
| Assets per employee ($millions) | 5.1693% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,544 |
| Loan loss allowance to noncurrent loans | 22.5358% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 3.6461% | 1,922 |
| Noncurrent loans to loans | 5.2879% | 1,339 |
| Net loans and leases to total assets | 64.5447% | 4,206 |
| Net loans and leases to deposits | 91.5902% | 1,673 |
| Net loans and leases to core deposits | 95.5344% | 2,636 |
| Total domestic deposits to total assets | 70.4712% | 7,379 |
| Equity capital to assets | 9.4272% | 4,646 |
| Core capital (leverage) ratio | 9.7513% | 3,452 |
| Tier 1 risk-based capital ratio | 17.3442% | 2,126 |
| Total risk-based capital ratio | 18.5929% | 2,093 |
| Memoranda: | ||
| Average total assets | $129,583,500 | 4,422 |
| Average earning assets | $119,985,000 | 4,374 |
| Average equity | $12,100,000 | 4,696 |
| Average total loans | $85,088,000 | 4,349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 3,404 |
| Cost of funding earning assets | 2.9691% | 254 |
| Net interest margin | 2.6686% | 7,251 |
| Noninterest income to average assets | 0.3783% | 5,389 |
| Noninterest expense to average assets | 2.4719% | 6,233 |
| Loan and lease loss provision to assets | 0.5804% | 3,481 |
| Net operating income to assets | -0.1903% | 5,832 |
| Return on assets (ROA) | -0.1451% | 5,755 |
| Pretax return on assets | -0.1512% | 5,645 |
| Return on Equity (ROE) | -1.6212% | 5,798 |
| Retained earnings to average equity (ytd only) | -1.6212% | 5,421 |
| Net charge-offs to loans | 0.7925% | 2,843 |
| Credit loss provision to net charge-offs | 109.7701% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.7227% | 5,379 |
| Efficiency ratio | 86.6117% | 2,046 |
| Assets per employee ($millions) | 5.6493% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 6,551 |
| Loan loss allowance to noncurrent loans | 25.8658% | 6,745 |
| Noncurrent assets plus other real estate owned to assets | 2.6575% | 2,639 |
| Noncurrent loans to loans | 3.7373% | 2,010 |
| Net loans and leases to total assets | 65.3624% | 4,308 |
| Net loans and leases to deposits | 92.5969% | 1,803 |
| Net loans and leases to core deposits | 124.9548% | 1,577 |
| Total domestic deposits to total assets | 70.5881% | 7,369 |
| Equity capital to assets | 9.2485% | 4,774 |
| Core capital (leverage) ratio | 10.0982% | 2,999 |
| Tier 1 risk-based capital ratio | 17.7726% | 1,951 |
| Total risk-based capital ratio | 18.9071% | 1,946 |
| Memoranda: | ||
| Average total assets | $131,641,000 | 4,308 |
| Average earning assets | $122,125,400 | 4,262 |
| Average equity | $11,781,400 | 4,798 |
| Average total loans | $87,818,600 | 4,271 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 3,368 |
| Cost of funding earning assets | 3.0434% | 286 |
| Net interest margin | 2.6508% | 7,291 |
| Noninterest income to average assets | 0.4765% | 4,700 |
| Noninterest expense to average assets | 2.3502% | 6,552 |
| Loan and lease loss provision to assets | -0.0010% | 8,034 |
| Net operating income to assets | 0.3897% | 4,439 |
| Return on assets (ROA) | 0.3897% | 4,540 |
| Pretax return on assets | 0.5876% | 4,220 |
| Return on Equity (ROE) | 4.3903% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.3903% | 2,819 |
| Net charge-offs to loans | 1.0505% | 1,883 |
| Credit loss provision to net charge-offs | -0.1437% | 7,165 |
| Earnings coverage of net charge-offs (x) | 0.8348% | 5,220 |
| Efficiency ratio | 80.0275% | 2,837 |
| Assets per employee ($millions) | 5.5508% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4080% | 7,814 |
| Loan loss allowance to noncurrent loans | 12.4162% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 2.2206% | 3,070 |
| Noncurrent loans to loans | 3.2862% | 2,297 |
| Net loans and leases to total assets | 67.2980% | 4,115 |
| Net loans and leases to deposits | 91.1162% | 2,373 |
| Net loans and leases to core deposits | 123.6106% | 1,945 |
| Total domestic deposits to total assets | 73.8595% | 6,973 |
| Equity capital to assets | 9.5913% | 4,632 |
| Core capital (leverage) ratio | 10.6212% | 2,693 |
| Tier 1 risk-based capital ratio | 18.7755% | 1,804 |
| Total risk-based capital ratio | 19.2699% | 1,931 |
| Memoranda: | ||
| Average total assets | $132,067,750 | 4,319 |
| Average earning assets | $122,578,000 | 4,288 |
| Average equity | $11,722,500 | 4,862 |
| Average total loans | $88,334,000 | 4,300 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7669% | 3,209 |
| Cost of funding earning assets | 3.0805% | 374 |
| Net interest margin | 2.6864% | 7,229 |
| Noninterest income to average assets | 0.0899% | 7,526 |
| Noninterest expense to average assets | 2.3395% | 6,643 |
| Loan and lease loss provision to assets | 0.0300% | 6,944 |
| Net operating income to assets | 0.1423% | 5,443 |
| Return on assets (ROA) | 0.1423% | 5,537 |
| Pretax return on assets | 0.2112% | 5,438 |
| Return on Equity (ROE) | 1.6453% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.6453% | 4,422 |
| Net charge-offs to loans | 0.5100% | 2,797 |
| Credit loss provision to net charge-offs | 8.8106% | 6,196 |
| Earnings coverage of net charge-offs (x) | 0.7093% | 5,010 |
| Efficiency ratio | 90.6558% | 1,756 |
| Assets per employee ($millions) | 5.7150% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,484 |
| Loan loss allowance to noncurrent loans | 28.7372% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 2.2291% | 2,914 |
| Noncurrent loans to loans | 3.3514% | 2,099 |
| Net loans and leases to total assets | 65.8706% | 4,585 |
| Net loans and leases to deposits | 91.0968% | 2,631 |
| Net loans and leases to core deposits | 123.3605% | 2,084 |
| Total domestic deposits to total assets | 72.3084% | 7,205 |
| Equity capital to assets | 9.0358% | 5,262 |
| Core capital (leverage) ratio | 10.2372% | 3,057 |
| Tier 1 risk-based capital ratio | 17.8085% | 2,066 |
| Total risk-based capital ratio | 18.9349% | 2,046 |
| Memoranda: | ||
| Average total assets | $133,534,330 | 4,319 |
| Average earning assets | $123,810,670 | 4,276 |
| Average equity | $11,548,330 | 4,936 |
| Average total loans | $89,022,000 | 4,303 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 3,351 |
| Cost of funding earning assets | 3.1197% | 433 |
| Net interest margin | 2.6708% | 7,265 |
| Noninterest income to average assets | 0.0802% | 7,653 |
| Noninterest expense to average assets | 2.1697% | 6,948 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2556% | 5,466 |
| Return on assets (ROA) | 0.2556% | 5,627 |
| Pretax return on assets | 0.3864% | 5,438 |
| Return on Equity (ROE) | 3.0218% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.0218% | 4,196 |
| Net charge-offs to loans | 0.9218% | 1,438 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.6280% | 4,487 |
| Efficiency ratio | 84.8837% | 2,206 |
| Assets per employee ($millions) | 5.7814% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 6,956 |
| Loan loss allowance to noncurrent loans | 22.2222% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 2.7336% | 2,080 |
| Noncurrent loans to loans | 3.8380% | 1,600 |
| Net loans and leases to total assets | 66.9655% | 4,352 |
| Net loans and leases to deposits | 94.9794% | 2,113 |
| Net loans and leases to core deposits | 127.1595% | 1,839 |
| Total domestic deposits to total assets | 70.5053% | 7,384 |
| Equity capital to assets | 8.6815% | 5,796 |
| Core capital (leverage) ratio | 10.2795% | 3,131 |
| Tier 1 risk-based capital ratio | 18.3394% | 1,974 |
| Total risk-based capital ratio | 19.3804% | 1,970 |
| Memoranda: | ||
| Average total assets | $134,579,500 | 4,314 |
| Average earning assets | $124,756,000 | 4,269 |
| Average equity | $11,384,000 | 5,008 |
| Average total loans | $89,820,500 | 4,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6639% | 6,888 |
| Cost of funding earning assets | 3.6308% | 341 |
| Net interest margin | 2.0331% | 8,047 |
| Noninterest income to average assets | 0.0913% | 7,676 |
| Noninterest expense to average assets | 2.1692% | 7,058 |
| Loan and lease loss provision to assets | 0.2965% | 4,010 |
| Net operating income to assets | -0.3960% | 6,820 |
| Return on assets (ROA) | -1.0520% | 7,202 |
| Pretax return on assets | -1.3086% | 7,169 |
| Return on Equity (ROE) | -11.4319% | 7,382 |
| Retained earnings to average equity (ytd only) | -11.4319% | 7,200 |
| Net charge-offs to loans | 1.0302% | 1,202 |
| Credit loss provision to net charge-offs | 44.7974% | 6,404 |
| Earnings coverage of net charge-offs (x) | -0.2903% | 6,411 |
| Efficiency ratio | 109.7176% | 710 |
| Assets per employee ($millions) | 5.6744% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 5,393 |
| Loan loss allowance to noncurrent loans | 20.5101% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 3.9857% | 1,034 |
| Noncurrent loans to loans | 5.2811% | 801 |
| Net loans and leases to total assets | 65.2461% | 5,003 |
| Net loans and leases to deposits | 95.3452% | 2,555 |
| Net loans and leases to core deposits | 126.2034% | 2,150 |
| Total domestic deposits to total assets | 68.4314% | 7,427 |
| Equity capital to assets | 8.2417% | 6,492 |
| Core capital (leverage) ratio | 9.9580% | 3,482 |
| Tier 1 risk-based capital ratio | 17.8450% | 2,079 |
| Total risk-based capital ratio | 19.0946% | 2,017 |
| Memoranda: | ||
| Average total assets | $137,934,000 | 4,121 |
| Average earning assets | $127,932,600 | 4,087 |
| Average equity | $12,692,600 | 4,649 |
| Average total loans | $88,623,400 | 4,271 |