Home > Brickell Bank > Performance and Condition Ratios
Brickell Bank, Performance and Condition Ratios
| 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 | 4.9274% | 1,673 |
| Cost of funding earning assets | 1.8290% | 114 |
| Net interest margin | 3.0984% | 4,538 |
| Noninterest income to average assets | 0.4346% | 3,037 |
| Noninterest expense to average assets | 4.2165% | 403 |
| Loan and lease loss provision to assets | 0.0909% | 2,035 |
| Net operating income to assets | -0.8208% | 5,212 |
| Return on assets (ROA) | -0.8233% | 5,216 |
| Pretax return on assets | -0.8719% | 5,216 |
| Return on Equity (ROE) | -15.9378% | 5,268 |
| Retained earnings to average equity (ytd only) | -15.9378% | 5,228 |
| Net charge-offs to loans | 0.1756% | 928 |
| Credit loss provision to net charge-offs | 67.5585% | 2,339 |
| Earnings coverage of net charge-offs (x) | -5.7860% | 3,146 |
| Efficiency ratio | 122.6381% | 73 |
| Assets per employee ($millions) | 5.6999% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 2,928 |
| Loan loss allowance to noncurrent loans | 48.9262% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 554 |
| Noncurrent loans to loans | 2.3021% | 565 |
| Net loans and leases to total assets | 77.9683% | 1,225 |
| Net loans and leases to deposits | 92.0755% | 1,480 |
| Net loans and leases to core deposits | 116.3417% | 668 |
| Total domestic deposits to total assets | 84.6787% | 2,609 |
| Equity capital to assets | 5.5449% | 5,292 |
| Core capital (leverage) ratio | 5.3991% | 5,291 |
| Tier 1 risk-based capital ratio | 10.3239% | 5,163 |
| Total risk-based capital ratio | 11.5786% | 5,078 |
| Memoranda: | ||
| Average total assets | $444,534,330 | 1,577 |
| Average earning assets | $430,936,000 | 1,522 |
| Average equity | $22,964,330 | 2,884 |
| Average total loans | $340,489,000 | 1,474 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 1,667 |
| Cost of funding earning assets | 1.7960% | 103 |
| Net interest margin | 3.0810% | 4,618 |
| Noninterest income to average assets | 0.4376% | 2,928 |
| Noninterest expense to average assets | 3.9185% | 588 |
| Loan and lease loss provision to assets | 0.1750% | 958 |
| Net operating income to assets | -0.6724% | 5,265 |
| Return on assets (ROA) | -0.6776% | 5,262 |
| Pretax return on assets | -0.6776% | 5,257 |
| Return on Equity (ROE) | -13.5596% | 5,310 |
| Retained earnings to average equity (ytd only) | -13.5596% | 5,183 |
| Net charge-offs to loans | 0.3485% | 447 |
| Credit loss provision to net charge-offs | 66.4474% | 1,881 |
| Earnings coverage of net charge-offs (x) | -1.8882% | 2,698 |
| Efficiency ratio | 114.5390% | 90 |
| Assets per employee ($millions) | 6.0253% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 3,288 |
| Loan loss allowance to noncurrent loans | 60.6869% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.3637% | 932 |
| Noncurrent loans to loans | 1.7646% | 880 |
| Net loans and leases to total assets | 76.4525% | 1,404 |
| Net loans and leases to deposits | 90.5620% | 1,560 |
| Net loans and leases to core deposits | 111.7126% | 847 |
| Total domestic deposits to total assets | 84.4200% | 2,887 |
| Equity capital to assets | 5.2500% | 5,350 |
| Core capital (leverage) ratio | 5.2690% | 5,348 |
| Tier 1 risk-based capital ratio | 9.8676% | 5,303 |
| Total risk-based capital ratio | 11.1209% | 5,265 |
| Memoranda: | ||
| Average total assets | $461,604,000 | 1,542 |
| Average earning assets | $446,999,500 | 1,484 |
| Average equity | $23,068,500 | 2,879 |
| Average total loans | $348,922,000 | 1,443 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 2,297 |
| Cost of funding earning assets | 1.3318% | 192 |
| Net interest margin | 3.2178% | 4,451 |
| Noninterest income to average assets | 0.5093% | 2,780 |
| Noninterest expense to average assets | 4.2710% | 376 |
| Loan and lease loss provision to assets | 0.0668% | 2,818 |
| Net operating income to assets | -0.7106% | 5,330 |
| Return on assets (ROA) | -0.7106% | 5,324 |
| Pretax return on assets | -0.7106% | 5,323 |
| Return on Equity (ROE) | -13.3213% | 5,367 |
| Retained earnings to average equity (ytd only) | -13.3213% | 5,350 |
| Net charge-offs to loans | 0.0714% | 2,096 |
| Credit loss provision to net charge-offs | 128.9796% | 2,047 |
| Earnings coverage of net charge-offs (x) | -12.4286% | 3,759 |
| Efficiency ratio | 117.7479% | 61 |
| Assets per employee ($millions) | 6.2774% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 3,417 |
| Loan loss allowance to noncurrent loans | 151.9285% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,550 |
| Noncurrent loans to loans | 0.6881% | 2,267 |
| Net loans and leases to total assets | 73.2761% | 2,047 |
| Net loans and leases to deposits | 91.9768% | 1,557 |
| Net loans and leases to core deposits | 110.9462% | 946 |
| Total domestic deposits to total assets | 79.6680% | 4,179 |
| Equity capital to assets | 4.7677% | 5,396 |
| Core capital (leverage) ratio | 5.1502% | 5,393 |
| Tier 1 risk-based capital ratio | 9.0681% | 5,380 |
| Total risk-based capital ratio | 10.3198% | 5,377 |
| Memoranda: | ||
| Average total assets | $473,008,800 | 1,478 |
| Average earning assets | $458,330,800 | 1,419 |
| Average equity | $25,230,200 | 2,634 |
| Average total loans | $342,998,400 | 1,427 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 2,605 |
| Cost of funding earning assets | 1.1992% | 259 |
| Net interest margin | 3.2078% | 4,495 |
| Noninterest income to average assets | 0.5527% | 2,554 |
| Noninterest expense to average assets | 4.3240% | 349 |
| Loan and lease loss provision to assets | 0.0264% | 3,484 |
| Net operating income to assets | -0.6893% | 5,404 |
| Return on assets (ROA) | -0.6893% | 5,399 |
| Pretax return on assets | -0.6893% | 5,400 |
| Return on Equity (ROE) | -12.5796% | 5,432 |
| Retained earnings to average equity (ytd only) | -12.5796% | 5,410 |
| Net charge-offs to loans | 0.0983% | 1,513 |
| Credit loss provision to net charge-offs | 37.2000% | 2,928 |
| Earnings coverage of net charge-offs (x) | -9.3559% | 3,466 |
| Efficiency ratio | 118.1079% | 61 |
| Assets per employee ($millions) | 6.4627% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 3,682 |
| Loan loss allowance to noncurrent loans | 110.9183% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,204 |
| Noncurrent loans to loans | 0.9130% | 1,874 |
| Net loans and leases to total assets | 71.8400% | 2,352 |
| Net loans and leases to deposits | 89.3308% | 1,978 |
| Net loans and leases to core deposits | 107.2363% | 1,212 |
| Total domestic deposits to total assets | 80.4202% | 4,016 |
| Equity capital to assets | 4.9586% | 5,466 |
| Core capital (leverage) ratio | 5.5595% | 5,462 |
| Tier 1 risk-based capital ratio | 9.8093% | 5,412 |
| Total risk-based capital ratio | 11.0604% | 5,374 |
| Memoranda: | ||
| Average total assets | $470,420,750 | 1,497 |
| Average earning assets | $455,841,500 | 1,433 |
| Average equity | $25,776,500 | 2,596 |
| Average total loans | $339,265,500 | 1,443 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,941 |
| Cost of funding earning assets | 1.0945% | 297 |
| Net interest margin | 3.1561% | 4,601 |
| Noninterest income to average assets | 0.6511% | 2,088 |
| Noninterest expense to average assets | 4.1346% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4250% | 5,434 |
| Return on assets (ROA) | -0.4250% | 5,429 |
| Pretax return on assets | -0.4250% | 5,423 |
| Return on Equity (ROE) | -7.5121% | 5,460 |
| Retained earnings to average equity (ytd only) | -7.5121% | 5,370 |
| Net charge-offs to loans | 0.1515% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -3.8980% | 3,171 |
| Efficiency ratio | 111.4556% | 90 |
| Assets per employee ($millions) | 6.1877% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0262% | 3,672 |
| Loan loss allowance to noncurrent loans | 107.7238% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.6927% | 2,158 |
| Noncurrent loans to loans | 0.9527% | 1,825 |
| Net loans and leases to total assets | 71.9706% | 2,281 |
| Net loans and leases to deposits | 89.3386% | 1,932 |
| Net loans and leases to core deposits | 105.6542% | 1,263 |
| Total domestic deposits to total assets | 80.5593% | 4,115 |
| Equity capital to assets | 5.5457% | 5,516 |
| Core capital (leverage) ratio | 5.8151% | 5,516 |
| Tier 1 risk-based capital ratio | 10.4981% | 5,268 |
| Total risk-based capital ratio | 11.7493% | 5,169 |
| Memoranda: | ||
| Average total assets | $467,813,670 | 1,509 |
| Average earning assets | $453,339,330 | 1,444 |
| Average equity | $26,464,000 | 2,562 |
| Average total loans | $336,659,330 | 1,455 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,148 |
| Cost of funding earning assets | 1.0453% | 300 |
| Net interest margin | 3.0792% | 4,743 |
| Noninterest income to average assets | 0.8630% | 1,258 |
| Noninterest expense to average assets | 4.0941% | 469 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2504% | 5,461 |
| Return on assets (ROA) | -0.2504% | 5,455 |
| Pretax return on assets | -0.2504% | 5,455 |
| Return on Equity (ROE) | -4.3853% | 5,490 |
| Retained earnings to average equity (ytd only) | -4.3853% | 5,169 |
| Net charge-offs to loans | -0.0047% | 3,989 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5155% | 122 |
| Assets per employee ($millions) | 6.2996% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,394 |
| Loan loss allowance to noncurrent loans | 198.8102% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 3,275 |
| Noncurrent loans to loans | 0.5525% | 2,870 |
| Net loans and leases to total assets | 70.0506% | 2,480 |
| Net loans and leases to deposits | 86.5310% | 2,100 |
| Net loans and leases to core deposits | 102.9888% | 1,452 |
| Total domestic deposits to total assets | 80.9543% | 4,219 |
| Equity capital to assets | 5.5868% | 5,577 |
| Core capital (leverage) ratio | 5.9077% | 5,571 |
| Tier 1 risk-based capital ratio | 11.4260% | 4,892 |
| Total risk-based capital ratio | 12.6795% | 4,798 |
| Memoranda: | ||
| Average total assets | $472,775,500 | 1,499 |
| Average earning assets | $457,655,000 | 1,438 |
| Average equity | $26,999,500 | 2,554 |
| Average total loans | $338,507,500 | 1,454 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,012 |
| Cost of funding earning assets | 0.8798% | 422 |
| Net interest margin | 3.2332% | 4,351 |
| Noninterest income to average assets | 0.5819% | 2,542 |
| Noninterest expense to average assets | 3.9832% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.3069% | 5,480 |
| Return on assets (ROA) | -0.3069% | 5,477 |
| Pretax return on assets | -0.2968% | 5,516 |
| Return on Equity (ROE) | -5.2657% | 5,539 |
| Retained earnings to average equity (ytd only) | -5.2657% | 5,438 |
| Net charge-offs to loans | 0.0594% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -6.9198% | 4,079 |
| Efficiency ratio | 108.0520% | 113 |
| Assets per employee ($millions) | 6.7583% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,493 |
| Loan loss allowance to noncurrent loans | 60.5241% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 1,138 |
| Noncurrent loans to loans | 1.7721% | 905 |
| Net loans and leases to total assets | 71.5943% | 2,286 |
| Net loans and leases to deposits | 89.1503% | 1,869 |
| Net loans and leases to core deposits | 106.0300% | 1,262 |
| Total domestic deposits to total assets | 80.3075% | 4,278 |
| Equity capital to assets | 5.8348% | 5,635 |
| Core capital (leverage) ratio | 5.7442% | 5,637 |
| Tier 1 risk-based capital ratio | 11.7236% | 4,703 |
| Total risk-based capital ratio | 12.9767% | 4,582 |
| Memoranda: | ||
| Average total assets | $494,231,800 | 1,416 |
| Average earning assets | $474,544,600 | 1,369 |
| Average equity | $28,809,200 | 2,445 |
| Average total loans | $356,627,400 | 1,357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 2,789 |
| Cost of funding earning assets | 0.8367% | 478 |
| Net interest margin | 3.3149% | 4,118 |
| Noninterest income to average assets | 0.6078% | 2,435 |
| Noninterest expense to average assets | 3.9608% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.1884% | 5,574 |
| Return on assets (ROA) | -0.1884% | 5,579 |
| Pretax return on assets | -0.1751% | 5,572 |
| Return on Equity (ROE) | -3.2335% | 5,611 |
| Retained earnings to average equity (ytd only) | -3.2335% | 5,499 |
| Net charge-offs to loans | 0.0800% | 2,000 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -3.0370% | 3,743 |
| Efficiency ratio | 104.6253% | 127 |
| Assets per employee ($millions) | 7.1426% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,610 |
| Loan loss allowance to noncurrent loans | 79.8389% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 1,835 |
| Noncurrent loans to loans | 1.3511% | 1,400 |
| Net loans and leases to total assets | 68.2318% | 2,805 |
| Net loans and leases to deposits | 84.3457% | 2,522 |
| Net loans and leases to core deposits | 101.3707% | 1,595 |
| Total domestic deposits to total assets | 80.8954% | 4,079 |
| Equity capital to assets | 5.8455% | 5,703 |
| Core capital (leverage) ratio | 5.8204% | 5,699 |
| Tier 1 risk-based capital ratio | 11.9631% | 4,656 |
| Total risk-based capital ratio | 13.2163% | 4,524 |
| Memoranda: | ||
| Average total assets | $499,520,250 | 1,412 |
| Average earning assets | $478,875,500 | 1,369 |
| Average equity | $29,110,750 | 2,439 |
| Average total loans | $360,192,000 | 1,357 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 2,545 |
| Cost of funding earning assets | 0.7850% | 564 |
| Net interest margin | 3.3952% | 3,790 |
| Noninterest income to average assets | 0.6278% | 2,327 |
| Noninterest expense to average assets | 3.7644% | 705 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1184% | 5,475 |
| Return on assets (ROA) | 0.1184% | 5,479 |
| Pretax return on assets | 0.1184% | 5,492 |
| Return on Equity (ROE) | 2.0335% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.0335% | 4,442 |
| Net charge-offs to loans | -0.0082% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9510% | 232 |
| Assets per employee ($millions) | 6.0481% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,695 |
| Loan loss allowance to noncurrent loans | 78.3045% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,720 |
| Noncurrent loans to loans | 1.3778% | 1,407 |
| Net loans and leases to total assets | 72.9553% | 2,051 |
| Net loans and leases to deposits | 95.2184% | 1,153 |
| Net loans and leases to core deposits | 108.3363% | 1,086 |
| Total domestic deposits to total assets | 76.6189% | 5,013 |
| Equity capital to assets | 6.0808% | 5,744 |
| Core capital (leverage) ratio | 6.0462% | 5,742 |
| Tier 1 risk-based capital ratio | 11.4313% | 5,003 |
| Total risk-based capital ratio | 12.6841% | 4,896 |
| Memoranda: | ||
| Average total assets | $501,747,330 | 1,412 |
| Average earning assets | $481,030,670 | 1,367 |
| Average equity | $29,211,330 | 2,423 |
| Average total loans | $366,942,670 | 1,331 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 2,385 |
| Cost of funding earning assets | 0.7415% | 688 |
| Net interest margin | 3.4292% | 3,529 |
| Noninterest income to average assets | 0.6532% | 2,164 |
| Noninterest expense to average assets | 4.0656% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1221% | 5,658 |
| Return on assets (ROA) | -0.1221% | 5,662 |
| Pretax return on assets | -0.1221% | 5,652 |
| Return on Equity (ROE) | -2.1437% | 5,685 |
| Retained earnings to average equity (ytd only) | -2.1437% | 5,182 |
| Net charge-offs to loans | -0.0692% | 5,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0969% | 189 |
| Assets per employee ($millions) | 7.0212% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,833 |
| Loan loss allowance to noncurrent loans | 122.0470% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6487% | 2,692 |
| Noncurrent loans to loans | 0.8836% | 2,264 |
| Net loans and leases to total assets | 72.6275% | 1,983 |
| Net loans and leases to deposits | 94.6965% | 1,045 |
| Net loans and leases to core deposits | 107.0273% | 1,033 |
| Total domestic deposits to total assets | 76.6951% | 5,152 |
| Equity capital to assets | 5.7993% | 5,817 |
| Core capital (leverage) ratio | 5.8133% | 5,811 |
| Tier 1 risk-based capital ratio | 10.9556% | 5,335 |
| Total risk-based capital ratio | 12.2083% | 5,246 |
| Memoranda: | ||
| Average total assets | $507,671,000 | 1,400 |
| Average earning assets | $487,111,000 | 1,352 |
| Average equity | $28,922,000 | 2,448 |
| Average total loans | $369,761,000 | 1,334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6376% | 4,410 |
| Cost of funding earning assets | 0.6523% | 1,042 |
| Net interest margin | 2.9853% | 4,992 |
| Noninterest income to average assets | 1.2837% | 688 |
| Noninterest expense to average assets | 4.9687% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.9298% | 5,832 |
| Return on assets (ROA) | -0.8987% | 5,832 |
| Pretax return on assets | -0.8987% | 5,823 |
| Return on Equity (ROE) | -14.5469% | 5,863 |
| Retained earnings to average equity (ytd only) | -14.5469% | 5,827 |
| Net charge-offs to loans | -0.0023% | 4,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.0220% | 80 |
| Assets per employee ($millions) | 6.0804% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 4,082 |
| Loan loss allowance to noncurrent loans | 42.4418% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7702% | 845 |
| Noncurrent loans to loans | 2.4494% | 648 |
| Net loans and leases to total assets | 71.5197% | 2,236 |
| Net loans and leases to deposits | 92.9633% | 1,303 |
| Net loans and leases to core deposits | 106.1004% | 1,125 |
| Total domestic deposits to total assets | 76.8556% | 5,135 |
| Equity capital to assets | 5.6146% | 5,863 |
| Core capital (leverage) ratio | 5.9908% | 5,858 |
| Tier 1 risk-based capital ratio | 10.8480% | 5,411 |
| Total risk-based capital ratio | 12.1000% | 5,307 |
| Memoranda: | ||
| Average total assets | $510,096,600 | 1,345 |
| Average earning assets | $470,779,800 | 1,345 |
| Average equity | $31,511,800 | 2,252 |
| Average total loans | $346,076,000 | 1,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 4,454 |
| Cost of funding earning assets | 0.6559% | 1,025 |
| Net interest margin | 2.9774% | 5,058 |
| Noninterest income to average assets | 0.7938% | 1,788 |
| Noninterest expense to average assets | 4.8416% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.3264% | 5,921 |
| Return on assets (ROA) | -1.2848% | 5,921 |
| Pretax return on assets | -1.2848% | 5,916 |
| Return on Equity (ROE) | -20.3261% | 5,944 |
| Retained earnings to average equity (ytd only) | -20.3261% | 5,916 |
| Net charge-offs to loans | 0.0051% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -389.1420% | 3,950 |
| Efficiency ratio | 137.7350% | 50 |
| Assets per employee ($millions) | 5.7216% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,763 |
| Loan loss allowance to noncurrent loans | 35.5715% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.1563% | 692 |
| Noncurrent loans to loans | 3.1297% | 464 |
| Net loans and leases to total assets | 68.1308% | 2,784 |
| Net loans and leases to deposits | 90.1541% | 1,732 |
| Net loans and leases to core deposits | 99.2225% | 1,709 |
| Total domestic deposits to total assets | 75.4718% | 5,292 |
| Equity capital to assets | 5.8977% | 5,935 |
| Core capital (leverage) ratio | 5.7433% | 5,933 |
| Tier 1 risk-based capital ratio | 11.8753% | 4,866 |
| Total risk-based capital ratio | 13.1292% | 4,763 |
| Memoranda: | ||
| Average total assets | $508,412,250 | 1,354 |
| Average earning assets | $464,681,750 | 1,370 |
| Average equity | $32,135,250 | 2,239 |
| Average total loans | $339,214,750 | 1,378 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,620 |
| Cost of funding earning assets | 0.6547% | 1,031 |
| Net interest margin | 2.9350% | 5,199 |
| Noninterest income to average assets | 0.9046% | 1,363 |
| Noninterest expense to average assets | 4.8340% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.2618% | 5,988 |
| Return on assets (ROA) | -1.1995% | 5,989 |
| Pretax return on assets | -1.1881% | 5,980 |
| Return on Equity (ROE) | -18.5683% | 6,009 |
| Retained earnings to average equity (ytd only) | -18.5683% | 5,963 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8944% | 59 |
| Assets per employee ($millions) | 5.9888% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 3,905 |
| Loan loss allowance to noncurrent loans | 34.4751% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.1824% | 710 |
| Noncurrent loans to loans | 3.2134% | 441 |
| Net loans and leases to total assets | 67.1630% | 2,919 |
| Net loans and leases to deposits | 88.5379% | 1,914 |
| Net loans and leases to core deposits | 94.2232% | 2,142 |
| Total domestic deposits to total assets | 75.7605% | 5,313 |
| Equity capital to assets | 6.1233% | 6,010 |
| Core capital (leverage) ratio | 6.2969% | 5,989 |
| Tier 1 risk-based capital ratio | 12.2763% | 4,662 |
| Total risk-based capital ratio | 13.5298% | 4,579 |
| Memoranda: | ||
| Average total assets | $510,049,000 | 1,358 |
| Average earning assets | $465,554,670 | 1,367 |
| Average equity | $32,948,670 | 2,200 |
| Average total loans | $336,652,330 | 1,388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,151 |
| Cost of funding earning assets | 0.6491% | 1,060 |
| Net interest margin | 2.7408% | 5,554 |
| Noninterest income to average assets | 0.8401% | 1,473 |
| Noninterest expense to average assets | 4.7648% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.4288% | 6,054 |
| Return on assets (ROA) | -1.3035% | 6,052 |
| Pretax return on assets | -1.3035% | 6,043 |
| Return on Equity (ROE) | -19.6586% | 6,066 |
| Retained earnings to average equity (ytd only) | -19.6586% | 5,961 |
| Net charge-offs to loans | -0.0061% | 4,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.8301% | 51 |
| Assets per employee ($millions) | 6.1227% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,659 |
| Loan loss allowance to noncurrent loans | 33.9695% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.3031% | 687 |
| Noncurrent loans to loans | 3.4452% | 401 |
| Net loans and leases to total assets | 66.0675% | 2,932 |
| Net loans and leases to deposits | 88.3129% | 1,793 |
| Net loans and leases to core deposits | 96.8631% | 1,716 |
| Total domestic deposits to total assets | 74.6321% | 5,553 |
| Equity capital to assets | 6.6141% | 6,035 |
| Core capital (leverage) ratio | 6.5478% | 6,028 |
| Tier 1 risk-based capital ratio | 13.7299% | 3,847 |
| Total risk-based capital ratio | 14.9847% | 3,784 |
| Memoranda: | ||
| Average total assets | $507,556,000 | 1,359 |
| Average earning assets | $462,201,000 | 1,380 |
| Average equity | $33,654,500 | 2,170 |
| Average total loans | $330,084,500 | 1,402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8804% | 5,829 |
| Cost of funding earning assets | 0.5749% | 1,550 |
| Net interest margin | 2.3055% | 5,941 |
| Noninterest income to average assets | 0.7805% | 1,861 |
| Noninterest expense to average assets | 5.4854% | 213 |
| Loan and lease loss provision to assets | -0.1001% | 5,854 |
| Net operating income to assets | -2.3382% | 6,147 |
| Return on assets (ROA) | -2.3382% | 6,148 |
| Pretax return on assets | -2.4013% | 6,148 |
| Return on Equity (ROE) | -32.9592% | 6,160 |
| Retained earnings to average equity (ytd only) | -32.9592% | 6,154 |
| Net charge-offs to loans | 0.0406% | 3,411 |
| Credit loss provision to net charge-offs | -411.8881% | 5,407 |
| Earnings coverage of net charge-offs (x) | -102.8951% | 4,456 |
| Efficiency ratio | 183.8261% | 17 |
| Assets per employee ($millions) | 5.4650% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 3,593 |
| Loan loss allowance to noncurrent loans | 65.9462% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1318% | 1,939 |
| Noncurrent loans to loans | 1.7880% | 1,236 |
| Net loans and leases to total assets | 62.5532% | 3,482 |
| Net loans and leases to deposits | 82.7877% | 2,501 |
| Net loans and leases to core deposits | 89.4542% | 2,456 |
| Total domestic deposits to total assets | 75.2457% | 5,531 |
| Equity capital to assets | 6.6466% | 6,085 |
| Core capital (leverage) ratio | 6.6697% | 6,080 |
| Tier 1 risk-based capital ratio | 15.0390% | 3,163 |
| Total risk-based capital ratio | 16.2943% | 3,093 |
| Memoranda: | ||
| Average total assets | $588,229,000 | 1,163 |
| Average earning assets | $562,221,400 | 1,117 |
| Average equity | $41,730,400 | 1,737 |
| Average total loans | $352,356,400 | 1,280 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8188% | 5,946 |
| Cost of funding earning assets | 0.5701% | 1,628 |
| Net interest margin | 2.2487% | 6,061 |
| Noninterest income to average assets | 0.7557% | 1,999 |
| Noninterest expense to average assets | 5.1551% | 252 |
| Loan and lease loss provision to assets | -0.1297% | 6,038 |
| Net operating income to assets | -2.0956% | 6,231 |
| Return on assets (ROA) | -2.0956% | 6,232 |
| Pretax return on assets | -2.0983% | 6,230 |
| Return on Equity (ROE) | -29.1459% | 6,241 |
| Retained earnings to average equity (ytd only) | -29.1459% | 6,230 |
| Net charge-offs to loans | 0.1094% | 2,031 |
| Credit loss provision to net charge-offs | -200.3401% | 5,177 |
| Earnings coverage of net charge-offs (x) | -34.4150% | 4,166 |
| Efficiency ratio | 176.1152% | 25 |
| Assets per employee ($millions) | 5.3605% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 4,075 |
| Loan loss allowance to noncurrent loans | 32.6495% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2398% | 836 |
| Noncurrent loans to loans | 3.4509% | 458 |
| Net loans and leases to total assets | 64.1718% | 3,282 |
| Net loans and leases to deposits | 86.0372% | 2,133 |
| Net loans and leases to core deposits | 97.6446% | 1,730 |
| Total domestic deposits to total assets | 74.1398% | 5,697 |
| Equity capital to assets | 7.6251% | 6,055 |
| Core capital (leverage) ratio | 7.0194% | 6,128 |
| Tier 1 risk-based capital ratio | 17.8437% | 2,077 |
| Total risk-based capital ratio | 19.0994% | 2,042 |
| Memoranda: | ||
| Average total assets | $605,493,500 | 1,133 |
| Average earning assets | $584,682,500 | 1,074 |
| Average equity | $43,536,250 | 1,698 |
| Average total loans | $358,287,250 | 1,270 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7801% | 6,034 |
| Cost of funding earning assets | 0.5598% | 1,739 |
| Net interest margin | 2.2203% | 6,139 |
| Noninterest income to average assets | 0.7412% | 2,039 |
| Noninterest expense to average assets | 4.8565% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.9690% | 6,303 |
| Return on assets (ROA) | -1.9690% | 6,304 |
| Pretax return on assets | -1.9690% | 6,303 |
| Return on Equity (ROE) | -27.8330% | 6,312 |
| Retained earnings to average equity (ytd only) | -27.8330% | 6,296 |
| Net charge-offs to loans | 0.1469% | 1,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -23.2481% | 3,861 |
| Efficiency ratio | 168.1912% | 29 |
| Assets per employee ($millions) | 6.4569% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,111 |
| Loan loss allowance to noncurrent loans | 156.3289% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4618% | 4,085 |
| Noncurrent loans to loans | 0.8475% | 3,007 |
| Net loans and leases to total assets | 53.7678% | 4,580 |
| Net loans and leases to deposits | 73.5437% | 3,550 |
| Net loans and leases to core deposits | 83.2653% | 3,051 |
| Total domestic deposits to total assets | 72.9432% | 5,875 |
| Equity capital to assets | 6.9957% | 6,194 |
| Core capital (leverage) ratio | 6.7670% | 6,216 |
| Tier 1 risk-based capital ratio | 19.8996% | 1,574 |
| Total risk-based capital ratio | 21.1597% | 1,527 |
| Memoranda: | ||
| Average total assets | $637,574,670 | 1,083 |
| Average earning assets | $616,316,000 | 1,030 |
| Average equity | $45,104,670 | 1,650 |
| Average total loans | $367,543,330 | 1,251 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7650% | 6,092 |
| Cost of funding earning assets | 0.5661% | 1,694 |
| Net interest margin | 2.1989% | 6,210 |
| Noninterest income to average assets | 0.7206% | 2,064 |
| Noninterest expense to average assets | 4.8979% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.0533% | 6,368 |
| Return on assets (ROA) | -2.0533% | 6,370 |
| Pretax return on assets | -2.0533% | 6,365 |
| Return on Equity (ROE) | -28.8773% | 6,380 |
| Retained earnings to average equity (ytd only) | -28.8773% | 6,337 |
| Net charge-offs to loans | 0.2631% | 911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -13.2078% | 3,254 |
| Efficiency ratio | 172.1817% | 31 |
| Assets per employee ($millions) | 6.7889% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 4,213 |
| Loan loss allowance to noncurrent loans | 127.6246% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 3,927 |
| Noncurrent loans to loans | 0.9077% | 2,970 |
| Net loans and leases to total assets | 56.9720% | 4,091 |
| Net loans and leases to deposits | 80.9417% | 2,455 |
| Net loans and leases to core deposits | 91.1885% | 2,011 |
| Total domestic deposits to total assets | 70.2329% | 6,118 |
| Equity capital to assets | 6.9008% | 6,270 |
| Core capital (leverage) ratio | 6.8923% | 6,248 |
| Tier 1 risk-based capital ratio | 17.7941% | 2,204 |
| Total risk-based capital ratio | 19.0432% | 2,162 |
| Memoranda: | ||
| Average total assets | $656,114,500 | 1,057 |
| Average earning assets | $633,784,000 | 1,011 |
| Average equity | $46,652,500 | 1,606 |
| Average total loans | $387,711,000 | 1,189 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4671% | 5,403 |
| Cost of funding earning assets | 0.3720% | 4,012 |
| Net interest margin | 3.0951% | 5,220 |
| Noninterest income to average assets | 1.4296% | 595 |
| Noninterest expense to average assets | 5.7453% | 205 |
| Loan and lease loss provision to assets | -0.1273% | 6,194 |
| Net operating income to assets | -1.4666% | 6,428 |
| Return on assets (ROA) | -1.4632% | 6,427 |
| Pretax return on assets | -1.2168% | 6,394 |
| Return on Equity (ROE) | -18.3801% | 6,433 |
| Retained earnings to average equity (ytd only) | -18.3801% | 6,412 |
| Net charge-offs to loans | 0.3972% | 1,079 |
| Credit loss provision to net charge-offs | -47.4009% | 5,415 |
| Earnings coverage of net charge-offs (x) | -5.0165% | 4,888 |
| Efficiency ratio | 130.6423% | 91 |
| Assets per employee ($millions) | 6.6717% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 4,272 |
| Loan loss allowance to noncurrent loans | 86.1418% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 3,180 |
| Noncurrent loans to loans | 1.3375% | 2,197 |
| Net loans and leases to total assets | 59.8273% | 3,812 |
| Net loans and leases to deposits | 87.9800% | 1,734 |
| Net loans and leases to core deposits | 102.0442% | 1,244 |
| Total domestic deposits to total assets | 67.9403% | 6,271 |
| Equity capital to assets | 7.3528% | 6,273 |
| Core capital (leverage) ratio | 7.0416% | 6,305 |
| Tier 1 risk-based capital ratio | 19.3479% | 1,760 |
| Total risk-based capital ratio | 20.6053% | 1,723 |
| Memoranda: | ||
| Average total assets | $723,300,600 | 930 |
| Average earning assets | $693,638,600 | 886 |
| Average equity | $57,578,600 | 1,270 |
| Average total loans | $489,169,000 | 914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 5,200 |
| Cost of funding earning assets | 0.3177% | 4,697 |
| Net interest margin | 3.2602% | 4,760 |
| Noninterest income to average assets | 1.6393% | 484 |
| Noninterest expense to average assets | 4.4022% | 506 |
| Loan and lease loss provision to assets | -0.1662% | 6,359 |
| Net operating income to assets | 0.3284% | 5,500 |
| Return on assets (ROA) | 0.3312% | 5,557 |
| Pretax return on assets | 0.5312% | 5,232 |
| Return on Equity (ROE) | 4.0914% | 5,134 |
| Retained earnings to average equity (ytd only) | 4.0914% | 3,737 |
| Net charge-offs to loans | 0.4038% | 978 |
| Credit loss provision to net charge-offs | -59.4577% | 5,372 |
| Earnings coverage of net charge-offs (x) | 1.2899% | 4,189 |
| Efficiency ratio | 92.4312% | 678 |
| Assets per employee ($millions) | 6.2070% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,171 |
| Loan loss allowance to noncurrent loans | 71.7772% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 2,716 |
| Noncurrent loans to loans | 1.6860% | 1,932 |
| Net loans and leases to total assets | 60.3282% | 3,731 |
| Net loans and leases to deposits | 90.4187% | 1,382 |
| Net loans and leases to core deposits | 107.3261% | 881 |
| Total domestic deposits to total assets | 66.5810% | 6,392 |
| Equity capital to assets | 8.9997% | 5,353 |
| Core capital (leverage) ratio | 8.9164% | 5,174 |
| Tier 1 risk-based capital ratio | 21.5645% | 1,330 |
| Total risk-based capital ratio | 22.8208% | 1,312 |
| Memoranda: | ||
| Average total assets | $739,001,750 | 922 |
| Average earning assets | $707,996,250 | 869 |
| Average equity | $59,832,000 | 1,230 |
| Average total loans | $511,520,500 | 872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6179% | 5,096 |
| Cost of funding earning assets | 0.2680% | 5,305 |
| Net interest margin | 3.3499% | 4,407 |
| Noninterest income to average assets | 1.4962% | 543 |
| Noninterest expense to average assets | 4.2629% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2784% | 5,640 |
| Return on assets (ROA) | 0.2482% | 5,793 |
| Pretax return on assets | 0.3977% | 5,569 |
| Return on Equity (ROE) | 3.1708% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.1708% | 4,182 |
| Net charge-offs to loans | 0.0305% | 3,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 20.3614% | 1,586 |
| Efficiency ratio | 90.5507% | 875 |
| Assets per employee ($millions) | 5.9157% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 3,527 |
| Loan loss allowance to noncurrent loans | 466.6456% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 5,490 |
| Noncurrent loans to loans | 0.2921% | 5,143 |
| Net loans and leases to total assets | 71.1486% | 1,897 |
| Net loans and leases to deposits | 82.7201% | 2,170 |
| Net loans and leases to core deposits | 102.6079% | 1,099 |
| Total domestic deposits to total assets | 81.3323% | 4,868 |
| Equity capital to assets | 8.0274% | 6,142 |
| Core capital (leverage) ratio | 8.0050% | 6,099 |
| Tier 1 risk-based capital ratio | 15.3567% | 3,435 |
| Total risk-based capital ratio | 16.6143% | 3,378 |
| Memoranda: | ||
| Average total assets | $759,813,000 | 897 |
| Average earning assets | $728,433,000 | 846 |
| Average equity | $59,479,670 | 1,229 |
| Average total loans | $544,307,000 | 806 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,949 |
| Cost of funding earning assets | 0.2722% | 5,366 |
| Net interest margin | 3.3957% | 4,133 |
| Noninterest income to average assets | 1.3737% | 615 |
| Noninterest expense to average assets | 4.1698% | 627 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2885% | 5,538 |
| Return on assets (ROA) | 0.2905% | 5,575 |
| Pretax return on assets | 0.4659% | 5,266 |
| Return on Equity (ROE) | 3.7586% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,872 |
| Net charge-offs to loans | -0.0007% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0102% | 1,037 |
| Assets per employee ($millions) | 5.9244% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 3,775 |
| Loan loss allowance to noncurrent loans | 442.1302% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 5,423 |
| Noncurrent loans to loans | 0.3083% | 5,184 |
| Net loans and leases to total assets | 73.6096% | 1,327 |
| Net loans and leases to deposits | 86.3020% | 1,561 |
| Net loans and leases to core deposits | 109.6002% | 598 |
| Total domestic deposits to total assets | 80.5755% | 5,361 |
| Equity capital to assets | 8.0982% | 5,979 |
| Core capital (leverage) ratio | 7.7874% | 6,227 |
| Tier 1 risk-based capital ratio | 15.8307% | 3,257 |
| Total risk-based capital ratio | 17.0897% | 3,214 |
| Memoranda: | ||
| Average total assets | $764,070,500 | 890 |
| Average earning assets | $733,270,500 | 843 |
| Average equity | $59,064,500 | 1,238 |
| Average total loans | $545,498,000 | 803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4866% | 5,669 |
| Cost of funding earning assets | 0.2908% | 5,668 |
| Net interest margin | 3.1958% | 5,017 |
| Noninterest income to average assets | 1.3077% | 809 |
| Noninterest expense to average assets | 3.9637% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2424% | 5,709 |
| Return on assets (ROA) | 0.2643% | 5,724 |
| Pretax return on assets | 0.4383% | 5,388 |
| Return on Equity (ROE) | 3.2227% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.2227% | 3,937 |
| Net charge-offs to loans | 0.0094% | 5,266 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 61.4043% | 675 |
| Efficiency ratio | 90.7494% | 968 |
| Assets per employee ($millions) | 5.8347% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,762 |
| Loan loss allowance to noncurrent loans | 307.0284% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 5,223 |
| Noncurrent loans to loans | 0.4483% | 4,878 |
| Net loans and leases to total assets | 67.4592% | 2,442 |
| Net loans and leases to deposits | 81.8456% | 2,196 |
| Net loans and leases to core deposits | 103.2262% | 958 |
| Total domestic deposits to total assets | 78.2369% | 5,793 |
| Equity capital to assets | 7.3896% | 6,334 |
| Core capital (leverage) ratio | 7.8273% | 6,228 |
| Tier 1 risk-based capital ratio | 15.3924% | 3,434 |
| Total risk-based capital ratio | 16.6510% | 3,376 |
| Memoranda: | ||
| Average total assets | $714,285,600 | 927 |
| Average earning assets | $683,931,000 | 884 |
| Average equity | $58,584,600 | 1,230 |
| Average total loans | $501,971,200 | 848 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5077% | 5,670 |
| Cost of funding earning assets | 0.3037% | 5,700 |
| Net interest margin | 3.2039% | 4,989 |
| Noninterest income to average assets | 1.3324% | 830 |
| Noninterest expense to average assets | 3.7249% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4168% | 5,175 |
| Return on assets (ROA) | 0.4469% | 5,177 |
| Pretax return on assets | 0.7167% | 4,632 |
| Return on Equity (ROE) | 5.2994% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.2994% | 2,875 |
| Net charge-offs to loans | 0.0133% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 71.1855% | 658 |
| Efficiency ratio | 84.7619% | 1,505 |
| Assets per employee ($millions) | 5.4628% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 3,850 |
| Loan loss allowance to noncurrent loans | 179.8410% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6609% | 4,454 |
| Noncurrent loans to loans | 0.7843% | 4,278 |
| Net loans and leases to total assets | 71.3032% | 1,727 |
| Net loans and leases to deposits | 85.8847% | 1,630 |
| Net loans and leases to core deposits | 101.8548% | 998 |
| Total domestic deposits to total assets | 79.6711% | 5,591 |
| Equity capital to assets | 8.1064% | 6,072 |
| Core capital (leverage) ratio | 8.0730% | 6,175 |
| Tier 1 risk-based capital ratio | 15.8052% | 3,297 |
| Total risk-based capital ratio | 17.0590% | 3,249 |
| Memoranda: | ||
| Average total assets | $694,477,500 | 958 |
| Average earning assets | $663,748,000 | 916 |
| Average equity | $58,571,250 | 1,235 |
| Average total loans | $491,771,250 | 863 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 5,717 |
| Cost of funding earning assets | 0.3233% | 5,633 |
| Net interest margin | 3.1689% | 5,051 |
| Noninterest income to average assets | 1.3661% | 841 |
| Noninterest expense to average assets | 3.6691% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4482% | 5,020 |
| Return on assets (ROA) | 0.4942% | 5,002 |
| Pretax return on assets | 0.7924% | 4,341 |
| Return on Equity (ROE) | 5.7790% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.7790% | 2,568 |
| Net charge-offs to loans | -0.0192% | 5,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5850% | 1,681 |
| Assets per employee ($millions) | 5.9181% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 3,769 |
| Loan loss allowance to noncurrent loans | 305.5758% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 4,990 |
| Noncurrent loans to loans | 0.4778% | 5,069 |
| Net loans and leases to total assets | 70.1177% | 1,861 |
| Net loans and leases to deposits | 85.0014% | 1,685 |
| Net loans and leases to core deposits | 96.9110% | 1,286 |
| Total domestic deposits to total assets | 79.9667% | 5,611 |
| Equity capital to assets | 8.0686% | 6,154 |
| Core capital (leverage) ratio | 7.9334% | 6,229 |
| Tier 1 risk-based capital ratio | 16.1248% | 3,124 |
| Total risk-based capital ratio | 17.3855% | 3,066 |
| Memoranda: | ||
| Average total assets | $681,964,000 | 978 |
| Average earning assets | $650,705,670 | 928 |
| Average equity | $58,315,000 | 1,239 |
| Average total loans | $479,222,000 | 880 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 5,677 |
| Cost of funding earning assets | 0.3328% | 5,688 |
| Net interest margin | 3.1768% | 5,011 |
| Noninterest income to average assets | 1.3682% | 823 |
| Noninterest expense to average assets | 3.6365% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4693% | 4,827 |
| Return on assets (ROA) | 0.5645% | 4,539 |
| Pretax return on assets | 0.9050% | 3,744 |
| Return on Equity (ROE) | 6.4021% | 3,821 |
| Retained earnings to average equity (ytd only) | 6.4021% | 2,458 |
| Net charge-offs to loans | -0.0043% | 5,242 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7829% | 1,921 |
| Assets per employee ($millions) | 5.9479% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6077% | 3,371 |
| Loan loss allowance to noncurrent loans | 303.0620% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 5,043 |
| Noncurrent loans to loans | 0.5305% | 5,115 |
| Net loans and leases to total assets | 66.7201% | 2,242 |
| Net loans and leases to deposits | 81.9766% | 1,834 |
| Net loans and leases to core deposits | 95.3016% | 1,245 |
| Total domestic deposits to total assets | 78.8648% | 5,985 |
| Equity capital to assets | 8.4991% | 6,019 |
| Core capital (leverage) ratio | 8.6237% | 5,427 |
| Tier 1 risk-based capital ratio | 15.7602% | 3,394 |
| Total risk-based capital ratio | 17.0199% | 3,348 |
| Memoranda: | ||
| Average total assets | $658,984,500 | 1,029 |
| Average earning assets | $627,420,000 | 987 |
| Average equity | $58,106,000 | 1,253 |
| Average total loans | $459,850,000 | 921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 5,762 |
| Cost of funding earning assets | 0.3548% | 6,182 |
| Net interest margin | 3.4716% | 4,617 |
| Noninterest income to average assets | 1.6834% | 571 |
| Noninterest expense to average assets | 3.8995% | 1,102 |
| Loan and lease loss provision to assets | 0.0487% | 5,210 |
| Net operating income to assets | 0.6539% | 3,970 |
| Return on assets (ROA) | 0.6740% | 4,135 |
| Pretax return on assets | 1.0785% | 3,236 |
| Return on Equity (ROE) | 7.5225% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.5225% | 1,324 |
| Net charge-offs to loans | 0.2052% | 3,738 |
| Credit loss provision to net charge-offs | 32.8228% | 5,065 |
| Earnings coverage of net charge-offs (x) | 7.3917% | 2,613 |
| Efficiency ratio | 78.0628% | 2,440 |
| Assets per employee ($millions) | 5.7092% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 3,075 |
| Loan loss allowance to noncurrent loans | 215.2018% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7560% | 4,581 |
| Noncurrent loans to loans | 0.7731% | 4,636 |
| Net loans and leases to total assets | 70.7504% | 1,693 |
| Net loans and leases to deposits | 86.7886% | 1,406 |
| Net loans and leases to core deposits | 97.0865% | 1,218 |
| Total domestic deposits to total assets | 78.8069% | 5,933 |
| Equity capital to assets | 9.1673% | 5,314 |
| Core capital (leverage) ratio | 8.9332% | 4,999 |
| Tier 1 risk-based capital ratio | 16.4130% | 2,936 |
| Total risk-based capital ratio | 17.6740% | 2,896 |
| Memoranda: | ||
| Average total assets | $616,507,200 | 1,078 |
| Average earning assets | $588,166,400 | 1,028 |
| Average equity | $55,234,600 | 1,292 |
| Average total loans | $445,356,200 | 931 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 5,931 |
| Cost of funding earning assets | 0.3528% | 6,361 |
| Net interest margin | 3.4858% | 4,700 |
| Noninterest income to average assets | 1.6681% | 549 |
| Noninterest expense to average assets | 3.7648% | 1,271 |
| Loan and lease loss provision to assets | 0.0652% | 4,887 |
| Net operating income to assets | 0.7239% | 3,806 |
| Return on assets (ROA) | 0.7507% | 3,943 |
| Pretax return on assets | 1.2035% | 2,985 |
| Return on Equity (ROE) | 8.4291% | 3,071 |
| Retained earnings to average equity (ytd only) | 8.4291% | 1,432 |
| Net charge-offs to loans | 0.2827% | 3,031 |
| Credit loss provision to net charge-offs | 31.8810% | 4,770 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,872 |
| Efficiency ratio | 75.4233% | 2,755 |
| Assets per employee ($millions) | 6.0022% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6904% | 3,185 |
| Loan loss allowance to noncurrent loans | 130.0243% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 4,046 |
| Noncurrent loans to loans | 1.3001% | 3,864 |
| Net loans and leases to total assets | 69.1368% | 2,083 |
| Net loans and leases to deposits | 85.2794% | 1,690 |
| Net loans and leases to core deposits | 94.6816% | 1,514 |
| Total domestic deposits to total assets | 78.9828% | 5,872 |
| Equity capital to assets | 9.0104% | 5,817 |
| Core capital (leverage) ratio | 9.0806% | 4,948 |
| Tier 1 risk-based capital ratio | 16.3711% | 3,083 |
| Total risk-based capital ratio | 17.6327% | 3,034 |
| Memoranda: | ||
| Average total assets | $613,630,000 | 1,088 |
| Average earning assets | $585,070,500 | 1,038 |
| Average equity | $54,650,250 | 1,314 |
| Average total loans | $443,735,000 | 940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 5,803 |
| Cost of funding earning assets | 0.3493% | 6,513 |
| Net interest margin | 3.5943% | 4,284 |
| Noninterest income to average assets | 1.7843% | 490 |
| Noninterest expense to average assets | 3.7964% | 1,221 |
| Loan and lease loss provision to assets | 0.0987% | 4,299 |
| Net operating income to assets | 0.8181% | 3,309 |
| Return on assets (ROA) | 0.8587% | 3,365 |
| Pretax return on assets | 1.3840% | 2,262 |
| Return on Equity (ROE) | 9.6814% | 2,492 |
| Retained earnings to average equity (ytd only) | 9.6814% | 1,067 |
| Net charge-offs to loans | 0.3938% | 2,448 |
| Credit loss provision to net charge-offs | 34.3249% | 4,368 |
| Earnings coverage of net charge-offs (x) | 4.9371% | 2,954 |
| Efficiency ratio | 72.7898% | 3,282 |
| Assets per employee ($millions) | 5.9961% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6893% | 3,271 |
| Loan loss allowance to noncurrent loans | 106.7363% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 3,933 |
| Noncurrent loans to loans | 1.5827% | 3,536 |
| Net loans and leases to total assets | 70.5347% | 1,819 |
| Net loans and leases to deposits | 86.1267% | 1,577 |
| Net loans and leases to core deposits | 92.8020% | 1,704 |
| Total domestic deposits to total assets | 79.7170% | 5,812 |
| Equity capital to assets | 8.8917% | 5,816 |
| Core capital (leverage) ratio | 9.0334% | 4,863 |
| Tier 1 risk-based capital ratio | 17.0405% | 2,647 |
| Total risk-based capital ratio | 18.3040% | 2,602 |
| Memoranda: | ||
| Average total assets | $608,098,000 | 1,096 |
| Average earning assets | $580,526,000 | 1,041 |
| Average equity | $53,938,330 | 1,325 |
| Average total loans | $443,910,000 | 937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 6,395 |
| Cost of funding earning assets | 0.3508% | 6,631 |
| Net interest margin | 3.3752% | 5,219 |
| Noninterest income to average assets | 1.8189% | 474 |
| Noninterest expense to average assets | 3.6699% | 1,424 |
| Loan and lease loss provision to assets | 0.1999% | 2,937 |
| Net operating income to assets | 0.7259% | 3,755 |
| Return on assets (ROA) | 0.8082% | 3,578 |
| Pretax return on assets | 1.2959% | 2,553 |
| Return on Equity (ROE) | 9.1231% | 2,774 |
| Retained earnings to average equity (ytd only) | 9.1231% | 1,543 |
| Net charge-offs to loans | 0.2614% | 2,623 |
| Credit loss provision to net charge-offs | 103.8062% | 2,228 |
| Earnings coverage of net charge-offs (x) | 7.1003% | 2,115 |
| Efficiency ratio | 72.8571% | 3,281 |
| Assets per employee ($millions) | 5.8220% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8596% | 2,810 |
| Loan loss allowance to noncurrent loans | 72.4942% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 2,860 |
| Noncurrent loans to loans | 2.5652% | 2,539 |
| Net loans and leases to total assets | 73.0911% | 1,209 |
| Net loans and leases to deposits | 90.3114% | 940 |
| Net loans and leases to core deposits | 100.4551% | 963 |
| Total domestic deposits to total assets | 76.8486% | 6,420 |
| Equity capital to assets | 9.2003% | 5,232 |
| Core capital (leverage) ratio | 9.2254% | 4,472 |
| Tier 1 risk-based capital ratio | 17.6831% | 2,412 |
| Total risk-based capital ratio | 18.9506% | 2,375 |
| Memoranda: | ||
| Average total assets | $600,351,500 | 1,109 |
| Average earning assets | $572,404,500 | 1,061 |
| Average equity | $53,183,500 | 1,333 |
| Average total loans | $442,162,000 | 938 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 6,689 |
| Cost of funding earning assets | 0.4401% | 6,768 |
| Net interest margin | 3.3960% | 5,492 |
| Noninterest income to average assets | 1.7319% | 472 |
| Noninterest expense to average assets | 4.0642% | 942 |
| Loan and lease loss provision to assets | 0.3240% | 3,095 |
| Net operating income to assets | 1.2239% | 1,450 |
| Return on assets (ROA) | 1.3134% | 1,315 |
| Pretax return on assets | 0.6811% | 4,403 |
| Return on Equity (ROE) | 16.0811% | 588 |
| Retained earnings to average equity (ytd only) | 16.0811% | 96 |
| Net charge-offs to loans | 0.3423% | 3,692 |
| Credit loss provision to net charge-offs | 128.7525% | 2,391 |
| Earnings coverage of net charge-offs (x) | 3.6384% | 3,443 |
| Efficiency ratio | 81.6128% | 2,077 |
| Assets per employee ($millions) | 6.1268% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,800 |
| Loan loss allowance to noncurrent loans | 71.5908% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 2,975 |
| Noncurrent loans to loans | 2.5447% | 2,582 |
| Net loans and leases to total assets | 71.5309% | 1,725 |
| Net loans and leases to deposits | 86.6548% | 1,582 |
| Net loans and leases to core deposits | 93.9919% | 1,698 |
| Total domestic deposits to total assets | 80.1314% | 5,706 |
| Equity capital to assets | 8.5309% | 6,104 |
| Core capital (leverage) ratio | 8.5958% | 5,406 |
| Tier 1 risk-based capital ratio | 15.0311% | 3,618 |
| Total risk-based capital ratio | 16.2968% | 3,570 |
| Memoranda: | ||
| Average total assets | $595,646,800 | 1,104 |
| Average earning assets | $569,669,400 | 1,038 |
| Average equity | $48,647,200 | 1,403 |
| Average total loans | $437,971,800 | 952 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 6,815 |
| Cost of funding earning assets | 0.4686% | 6,825 |
| Net interest margin | 3.3569% | 5,693 |
| Noninterest income to average assets | 1.8142% | 440 |
| Noninterest expense to average assets | 3.9247% | 1,115 |
| Loan and lease loss provision to assets | 0.3774% | 2,593 |
| Net operating income to assets | 0.7201% | 3,505 |
| Return on assets (ROA) | 0.8400% | 3,138 |
| Pretax return on assets | 0.8443% | 3,967 |
| Return on Equity (ROE) | 10.4056% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.4056% | 746 |
| Net charge-offs to loans | 0.3824% | 3,202 |
| Credit loss provision to net charge-offs | 133.9200% | 2,380 |
| Earnings coverage of net charge-offs (x) | 3.9048% | 3,250 |
| Efficiency ratio | 78.1013% | 2,533 |
| Assets per employee ($millions) | 5.9251% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8591% | 2,752 |
| Loan loss allowance to noncurrent loans | 100.5569% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,180 |
| Noncurrent loans to loans | 1.8488% | 3,569 |
| Net loans and leases to total assets | 69.6033% | 2,159 |
| Net loans and leases to deposits | 83.9696% | 2,004 |
| Net loans and leases to core deposits | 95.7850% | 1,626 |
| Total domestic deposits to total assets | 79.2722% | 5,930 |
| Equity capital to assets | 7.9562% | 6,720 |
| Core capital (leverage) ratio | 8.3943% | 5,863 |
| Tier 1 risk-based capital ratio | 14.8863% | 3,729 |
| Total risk-based capital ratio | 16.1313% | 3,704 |
| Memoranda: | ||
| Average total assets | $591,388,750 | 1,119 |
| Average earning assets | $565,665,250 | 1,056 |
| Average equity | $47,742,250 | 1,433 |
| Average total loans | $435,868,000 | 971 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 6,867 |
| Cost of funding earning assets | 0.4825% | 6,901 |
| Net interest margin | 3.3642% | 5,664 |
| Noninterest income to average assets | 1.8576% | 399 |
| Noninterest expense to average assets | 4.0030% | 1,050 |
| Loan and lease loss provision to assets | 0.3752% | 2,543 |
| Net operating income to assets | 0.6873% | 3,614 |
| Return on assets (ROA) | 0.8743% | 2,848 |
| Pretax return on assets | 0.8784% | 3,722 |
| Return on Equity (ROE) | 10.7748% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.7748% | 709 |
| Net charge-offs to loans | 0.5226% | 2,533 |
| Credit loss provision to net charge-offs | 96.1336% | 3,270 |
| Earnings coverage of net charge-offs (x) | 2.7329% | 3,477 |
| Efficiency ratio | 78.9595% | 2,566 |
| Assets per employee ($millions) | 5.5455% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 3,213 |
| Loan loss allowance to noncurrent loans | 107.2399% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 2.2859% | 2,870 |
| Noncurrent loans to loans | 1.6155% | 3,974 |
| Net loans and leases to total assets | 74.5990% | 1,305 |
| Net loans and leases to deposits | 91.0076% | 1,156 |
| Net loans and leases to core deposits | 105.4562% | 960 |
| Total domestic deposits to total assets | 78.4304% | 6,209 |
| Equity capital to assets | 8.3402% | 6,375 |
| Core capital (leverage) ratio | 8.3512% | 5,784 |
| Tier 1 risk-based capital ratio | 15.3939% | 3,297 |
| Total risk-based capital ratio | 16.5689% | 3,292 |
| Memoranda: | ||
| Average total assets | $583,113,330 | 1,142 |
| Average earning assets | $556,736,670 | 1,084 |
| Average equity | $47,314,000 | 1,431 |
| Average total loans | $435,480,330 | 989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 6,802 |
| Cost of funding earning assets | 0.4948% | 6,987 |
| Net interest margin | 3.4234% | 5,330 |
| Noninterest income to average assets | 1.8494% | 409 |
| Noninterest expense to average assets | 4.0203% | 1,011 |
| Loan and lease loss provision to assets | 0.4593% | 1,919 |
| Net operating income to assets | 0.6436% | 3,783 |
| Return on assets (ROA) | 0.6759% | 3,698 |
| Pretax return on assets | 0.6800% | 4,384 |
| Return on Equity (ROE) | 8.4473% | 2,721 |
| Retained earnings to average equity (ytd only) | 8.4473% | 1,573 |
| Net charge-offs to loans | 0.5821% | 2,031 |
| Credit loss provision to net charge-offs | 106.5183% | 2,504 |
| Earnings coverage of net charge-offs (x) | 2.5660% | 3,056 |
| Efficiency ratio | 78.4196% | 2,782 |
| Assets per employee ($millions) | 5.5734% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 3,269 |
| Loan loss allowance to noncurrent loans | 50.6874% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.6772% | 2,563 |
| Noncurrent loans to loans | 3.3981% | 2,205 |
| Net loans and leases to total assets | 73.3880% | 1,442 |
| Net loans and leases to deposits | 90.0101% | 1,227 |
| Net loans and leases to core deposits | 105.4609% | 968 |
| Total domestic deposits to total assets | 77.1639% | 6,503 |
| Equity capital to assets | 7.8525% | 6,630 |
| Core capital (leverage) ratio | 8.3232% | 5,766 |
| Tier 1 risk-based capital ratio | 14.9031% | 3,473 |
| Total risk-based capital ratio | 16.1668% | 3,433 |
| Memoranda: | ||
| Average total assets | $583,533,500 | 1,152 |
| Average earning assets | $558,623,500 | 1,091 |
| Average equity | $46,689,500 | 1,434 |
| Average total loans | $432,206,500 | 1,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0149% | 7,119 |
| Cost of funding earning assets | 0.6989% | 6,892 |
| Net interest margin | 3.3159% | 5,932 |
| Noninterest income to average assets | 1.7260% | 502 |
| Noninterest expense to average assets | 4.1688% | 938 |
| Loan and lease loss provision to assets | 0.5655% | 2,866 |
| Net operating income to assets | 0.1206% | 5,538 |
| Return on assets (ROA) | 0.2335% | 5,317 |
| Pretax return on assets | 0.2265% | 5,422 |
| Return on Equity (ROE) | 3.2063% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.2063% | 3,622 |
| Net charge-offs to loans | 0.7916% | 2,662 |
| Credit loss provision to net charge-offs | 107.0694% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.2858% | 4,817 |
| Efficiency ratio | 85.9927% | 1,699 |
| Assets per employee ($millions) | 5.1377% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,676 |
| Loan loss allowance to noncurrent loans | 48.2247% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 3.0741% | 2,297 |
| Noncurrent loans to loans | 3.8486% | 1,910 |
| Net loans and leases to total assets | 72.0579% | 2,097 |
| Net loans and leases to deposits | 87.8344% | 1,813 |
| Net loans and leases to core deposits | 101.9479% | 1,459 |
| Total domestic deposits to total assets | 79.6519% | 5,925 |
| Equity capital to assets | 8.1595% | 6,307 |
| Core capital (leverage) ratio | 8.1597% | 5,897 |
| Tier 1 risk-based capital ratio | 15.5085% | 2,993 |
| Total risk-based capital ratio | 16.7739% | 2,950 |
| Memoranda: | ||
| Average total assets | $570,498,800 | 1,177 |
| Average earning assets | $537,104,200 | 1,133 |
| Average equity | $41,543,800 | 1,595 |
| Average total loans | $380,599,800 | 1,192 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 7,221 |
| Cost of funding earning assets | 0.7319% | 6,965 |
| Net interest margin | 3.3409% | 5,881 |
| Noninterest income to average assets | 1.7219% | 483 |
| Noninterest expense to average assets | 4.1913% | 841 |
| Loan and lease loss provision to assets | 0.5540% | 2,730 |
| Net operating income to assets | 0.1101% | 5,747 |
| Return on assets (ROA) | 0.2770% | 5,410 |
| Pretax return on assets | 0.2770% | 5,559 |
| Return on Equity (ROE) | 3.9205% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,711 |
| Net charge-offs to loans | 0.9967% | 2,010 |
| Credit loss provision to net charge-offs | 85.4369% | 4,947 |
| Earnings coverage of net charge-offs (x) | 1.0241% | 5,032 |
| Efficiency ratio | 86.3235% | 1,598 |
| Assets per employee ($millions) | 5.4607% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9777% | 2,283 |
| Loan loss allowance to noncurrent loans | 44.9857% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 2.9299% | 2,479 |
| Noncurrent loans to loans | 4.3962% | 1,653 |
| Net loans and leases to total assets | 59.5275% | 4,998 |
| Net loans and leases to deposits | 72.0805% | 4,830 |
| Net loans and leases to core deposits | 88.4440% | 3,317 |
| Total domestic deposits to total assets | 77.0865% | 6,461 |
| Equity capital to assets | 7.7836% | 6,940 |
| Core capital (leverage) ratio | 8.1213% | 6,163 |
| Tier 1 risk-based capital ratio | 13.5556% | 4,158 |
| Total risk-based capital ratio | 14.8146% | 4,098 |
| Memoranda: | ||
| Average total assets | $571,837,750 | 1,188 |
| Average earning assets | $536,330,250 | 1,150 |
| Average equity | $40,401,500 | 1,648 |
| Average total loans | $372,017,000 | 1,224 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 7,336 |
| Cost of funding earning assets | 0.7450% | 7,079 |
| Net interest margin | 3.2849% | 6,066 |
| Noninterest income to average assets | 1.6279% | 490 |
| Noninterest expense to average assets | 3.9783% | 1,072 |
| Loan and lease loss provision to assets | 0.5747% | 2,475 |
| Net operating income to assets | 0.2258% | 5,476 |
| Return on assets (ROA) | 0.1884% | 5,723 |
| Pretax return on assets | 0.1884% | 5,794 |
| Return on Equity (ROE) | 2.7640% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.7640% | 4,375 |
| Net charge-offs to loans | 0.9893% | 1,872 |
| Credit loss provision to net charge-offs | 87.2786% | 4,507 |
| Earnings coverage of net charge-offs (x) | 1.2158% | 4,593 |
| Efficiency ratio | 83.2483% | 2,006 |
| Assets per employee ($millions) | 5.6300% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,172 |
| Loan loss allowance to noncurrent loans | 38.1571% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.3620% | 2,090 |
| Noncurrent loans to loans | 5.2514% | 1,291 |
| Net loans and leases to total assets | 61.1523% | 4,848 |
| Net loans and leases to deposits | 73.9397% | 4,685 |
| Net loans and leases to core deposits | 93.6208% | 2,779 |
| Total domestic deposits to total assets | 75.4108% | 6,793 |
| Equity capital to assets | 7.8236% | 6,904 |
| Core capital (leverage) ratio | 8.1961% | 5,943 |
| Tier 1 risk-based capital ratio | 16.0340% | 2,657 |
| Total risk-based capital ratio | 17.3026% | 2,609 |
| Memoranda: | ||
| Average total assets | $565,866,000 | 1,203 |
| Average earning assets | $542,785,000 | 1,136 |
| Average equity | $38,567,330 | 1,725 |
| Average total loans | $376,640,000 | 1,223 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 7,379 |
| Cost of funding earning assets | 0.7581% | 7,212 |
| Net interest margin | 3.3372% | 5,829 |
| Noninterest income to average assets | 1.7622% | 412 |
| Noninterest expense to average assets | 3.7155% | 1,488 |
| Loan and lease loss provision to assets | 0.5125% | 2,451 |
| Net operating income to assets | 0.7387% | 3,268 |
| Return on assets (ROA) | 0.6900% | 3,602 |
| Pretax return on assets | 0.6900% | 4,269 |
| Return on Equity (ROE) | 10.9648% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.9648% | 928 |
| Net charge-offs to loans | 0.8593% | 1,820 |
| Credit loss provision to net charge-offs | 86.7879% | 3,726 |
| Earnings coverage of net charge-offs (x) | 2.1188% | 3,478 |
| Efficiency ratio | 74.8091% | 3,438 |
| Assets per employee ($millions) | 5.4615% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 2,353 |
| Loan loss allowance to noncurrent loans | 28.1448% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 4.6912% | 1,413 |
| Noncurrent loans to loans | 6.8681% | 879 |
| Net loans and leases to total assets | 65.9089% | 3,871 |
| Net loans and leases to deposits | 78.2598% | 3,991 |
| Net loans and leases to core deposits | 96.1786% | 2,563 |
| Total domestic deposits to total assets | 78.4253% | 6,220 |
| Equity capital to assets | 6.2842% | 7,575 |
| Core capital (leverage) ratio | 6.5939% | 7,430 |
| Tier 1 risk-based capital ratio | 12.5166% | 4,730 |
| Total risk-based capital ratio | 13.7848% | 4,674 |
| Memoranda: | ||
| Average total assets | $558,855,000 | 1,246 |
| Average earning assets | $536,610,500 | 1,178 |
| Average equity | $35,167,000 | 1,918 |
| Average total loans | $384,027,000 | 1,235 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 6,877 |
| Cost of funding earning assets | 1.3669% | 6,067 |
| Net interest margin | 3.4663% | 5,101 |
| Noninterest income to average assets | 1.8001% | 454 |
| Noninterest expense to average assets | 4.1502% | 1,161 |
| Loan and lease loss provision to assets | 1.7223% | 1,323 |
| Net operating income to assets | -0.8698% | 6,488 |
| Return on assets (ROA) | -0.6071% | 6,274 |
| Pretax return on assets | -0.5906% | 6,087 |
| Return on Equity (ROE) | -9.4101% | 6,574 |
| Retained earnings to average equity (ytd only) | -9.4101% | 6,468 |
| Net charge-offs to loans | 1.0082% | 2,396 |
| Credit loss provision to net charge-offs | 220.7367% | 1,710 |
| Earnings coverage of net charge-offs (x) | 1.1136% | 4,998 |
| Efficiency ratio | 82.6882% | 2,521 |
| Assets per employee ($millions) | 5.3370% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 2,174 |
| Loan loss allowance to noncurrent loans | 31.7732% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 4.3839% | 1,478 |
| Noncurrent loans to loans | 6.1004% | 1,023 |
| Net loans and leases to total assets | 68.9135% | 3,511 |
| Net loans and leases to deposits | 82.2072% | 3,591 |
| Net loans and leases to core deposits | 109.6555% | 2,932 |
| Total domestic deposits to total assets | 79.1372% | 5,942 |
| Equity capital to assets | 6.3014% | 7,614 |
| Core capital (leverage) ratio | 6.7641% | 7,385 |
| Tier 1 risk-based capital ratio | 11.4098% | 5,498 |
| Total risk-based capital ratio | 12.6737% | 5,444 |
| Memoranda: | ||
| Average total assets | $535,855,600 | 1,289 |
| Average earning assets | $497,625,200 | 1,266 |
| Average equity | $34,569,200 | 1,946 |
| Average total loans | $414,695,600 | 1,166 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0529% | 6,440 |
| Cost of funding earning assets | 1.4815% | 5,903 |
| Net interest margin | 3.5715% | 4,588 |
| Noninterest income to average assets | 1.4768% | 681 |
| Noninterest expense to average assets | 4.0205% | 1,247 |
| Loan and lease loss provision to assets | 1.0085% | 1,906 |
| Net operating income to assets | -0.2630% | 6,155 |
| Return on assets (ROA) | 0.0736% | 5,587 |
| Pretax return on assets | 0.0736% | 5,575 |
| Return on Equity (ROE) | 1.1345% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.1345% | 4,687 |
| Net charge-offs to loans | 1.0454% | 1,892 |
| Credit loss provision to net charge-offs | 121.7720% | 4,162 |
| Earnings coverage of net charge-offs (x) | 0.9002% | 5,155 |
| Efficiency ratio | 84.3571% | 2,257 |
| Assets per employee ($millions) | 5.4050% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 7,085 |
| Loan loss allowance to noncurrent loans | 17.8406% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 3.4544% | 1,933 |
| Noncurrent loans to loans | 4.5338% | 1,532 |
| Net loans and leases to total assets | 71.7194% | 3,106 |
| Net loans and leases to deposits | 90.1432% | 2,553 |
| Net loans and leases to core deposits | 128.1293% | 1,573 |
| Total domestic deposits to total assets | 73.9329% | 6,954 |
| Equity capital to assets | 7.0681% | 7,564 |
| Core capital (leverage) ratio | 7.0115% | 7,428 |
| Tier 1 risk-based capital ratio | 11.9268% | 5,039 |
| Total risk-based capital ratio | 12.8804% | 5,242 |
| Memoranda: | ||
| Average total assets | $532,390,750 | 1,305 |
| Average earning assets | $490,317,750 | 1,297 |
| Average equity | $34,551,500 | 1,967 |
| Average total loans | $421,790,500 | 1,158 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 6,047 |
| Cost of funding earning assets | 1.6090% | 5,709 |
| Net interest margin | 3.6003% | 4,356 |
| Noninterest income to average assets | 1.4269% | 739 |
| Noninterest expense to average assets | 3.7547% | 1,736 |
| Loan and lease loss provision to assets | 1.0221% | 1,655 |
| Net operating income to assets | -0.0702% | 5,955 |
| Return on assets (ROA) | 0.1363% | 5,558 |
| Pretax return on assets | 0.1363% | 5,593 |
| Return on Equity (ROE) | 2.1659% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.1659% | 4,145 |
| Net charge-offs to loans | 1.0044% | 1,761 |
| Credit loss provision to net charge-offs | 124.7465% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.1618% | 4,651 |
| Efficiency ratio | 79.7754% | 3,079 |
| Assets per employee ($millions) | 5.8709% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7035% | 7,418 |
| Loan loss allowance to noncurrent loans | 26.8053% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 3,135 |
| Noncurrent loans to loans | 2.6244% | 2,754 |
| Net loans and leases to total assets | 74.5571% | 2,555 |
| Net loans and leases to deposits | 92.2430% | 2,423 |
| Net loans and leases to core deposits | 134.5653% | 1,286 |
| Total domestic deposits to total assets | 74.9738% | 6,767 |
| Equity capital to assets | 6.7973% | 7,712 |
| Core capital (leverage) ratio | 7.2102% | 7,348 |
| Tier 1 risk-based capital ratio | 12.2800% | 4,694 |
| Total risk-based capital ratio | 13.2047% | 4,875 |
| Memoranda: | ||
| Average total assets | $529,688,670 | 1,327 |
| Average earning assets | $482,521,000 | 1,337 |
| Average equity | $33,334,330 | 2,039 |
| Average total loans | $432,120,000 | 1,152 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 6,012 |
| Cost of funding earning assets | 1.7554% | 5,332 |
| Net interest margin | 3.5184% | 4,656 |
| Noninterest income to average assets | 1.6071% | 534 |
| Noninterest expense to average assets | 3.6604% | 1,729 |
| Loan and lease loss provision to assets | 0.5461% | 2,289 |
| Net operating income to assets | 0.6280% | 3,895 |
| Return on assets (ROA) | 0.5773% | 4,308 |
| Pretax return on assets | 0.5773% | 4,821 |
| Return on Equity (ROE) | 9.5959% | 2,494 |
| Retained earnings to average equity (ytd only) | 9.5959% | 1,313 |
| Net charge-offs to loans | 0.0962% | 4,213 |
| Credit loss provision to net charge-offs | 666.6667% | 867 |
| Earnings coverage of net charge-offs (x) | 14.3333% | 1,674 |
| Efficiency ratio | 75.7141% | 3,533 |
| Assets per employee ($millions) | 5.4859% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 7,488 |
| Loan loss allowance to noncurrent loans | 15.9686% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 3.6215% | 1,465 |
| Noncurrent loans to loans | 4.2864% | 1,373 |
| Net loans and leases to total assets | 82.7548% | 891 |
| Net loans and leases to deposits | 103.7503% | 1,027 |
| Net loans and leases to core deposits | 156.4170% | 558 |
| Total domestic deposits to total assets | 71.3916% | 7,290 |
| Equity capital to assets | 7.2854% | 7,506 |
| Core capital (leverage) ratio | 7.4506% | 7,216 |
| Tier 1 risk-based capital ratio | 13.3419% | 3,969 |
| Total risk-based capital ratio | 14.3563% | 4,024 |
| Memoranda: | ||
| Average total assets | $512,728,000 | 1,385 |
| Average earning assets | $470,328,000 | 1,383 |
| Average equity | $30,846,500 | 2,201 |
| Average total loans | $436,586,000 | 1,156 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0719% | 5,193 |
| Cost of funding earning assets | 2.4462% | 4,496 |
| Net interest margin | 3.6257% | 4,768 |
| Noninterest income to average assets | 1.4150% | 723 |
| Noninterest expense to average assets | 4.6737% | 782 |
| Loan and lease loss provision to assets | 0.7953% | 1,867 |
| Net operating income to assets | -0.6590% | 7,043 |
| Return on assets (ROA) | -0.6579% | 6,935 |
| Pretax return on assets | -0.6652% | 6,784 |
| Return on Equity (ROE) | -11.6224% | 7,397 |
| Retained earnings to average equity (ytd only) | -11.6224% | 7,216 |
| Net charge-offs to loans | 0.7809% | 1,596 |
| Credit loss provision to net charge-offs | 120.3230% | 4,465 |
| Earnings coverage of net charge-offs (x) | 0.1952% | 6,124 |
| Efficiency ratio | 97.3141% | 1,085 |
| Assets per employee ($millions) | 4.6105% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 7,735 |
| Loan loss allowance to noncurrent loans | 32.0378% | 6,591 |
| Noncurrent assets plus other real estate owned to assets | 1.6089% | 3,031 |
| Noncurrent loans to loans | 1.7721% | 3,108 |
| Net loans and leases to total assets | 86.6230% | 522 |
| Net loans and leases to deposits | 106.5804% | 1,077 |
| Net loans and leases to core deposits | 159.0112% | 593 |
| Total domestic deposits to total assets | 73.0129% | 6,828 |
| Equity capital to assets | 4.6470% | 8,220 |
| Core capital (leverage) ratio | 5.0280% | 8,206 |
| Tier 1 risk-based capital ratio | 8.8877% | 7,853 |
| Total risk-based capital ratio | 9.7902% | 8,040 |
| Memoranda: | ||
| Average total assets | $449,617,800 | 1,525 |
| Average earning assets | $420,113,600 | 1,483 |
| Average equity | $25,450,800 | 2,606 |
| Average total loans | $380,577,400 | 1,276 |