Home > Bucks County Bank > Performance and Condition Ratios
Bucks County Bank, Performance and Condition Ratios
| 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 | 4.7485% | 967 |
| Cost of funding earning assets | 0.9006% | 301 |
| Net interest margin | 3.8479% | 2,105 |
| Noninterest income to average assets | 0.2361% | 4,826 |
| Noninterest expense to average assets | 3.1764% | 1,634 |
| Loan and lease loss provision to assets | 0.0879% | 2,224 |
| Net operating income to assets | 0.3941% | 4,985 |
| Return on assets (ROA) | 0.3941% | 5,013 |
| Pretax return on assets | 0.6390% | 4,724 |
| Return on Equity (ROE) | 3.6210% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.6210% | 3,553 |
| Net charge-offs to loans | 0.0055% | 3,266 |
| Credit loss provision to net charge-offs | 1,780.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 147.2000% | 508 |
| Efficiency ratio | 81.3765% | 1,064 |
| Assets per employee ($millions) | 5.5875% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 4,028 |
| Loan loss allowance to noncurrent loans | 99.7866% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 1,537 |
| Noncurrent loans to loans | 1.0226% | 1,925 |
| Net loans and leases to total assets | 85.4304% | 314 |
| Net loans and leases to deposits | 113.7184% | 201 |
| Net loans and leases to core deposits | 138.2451% | 205 |
| Total domestic deposits to total assets | 75.1245% | 5,187 |
| Equity capital to assets | 10.4811% | 3,373 |
| Core capital (leverage) ratio | 10.5079% | 2,904 |
| Tier 1 risk-based capital ratio | 12.0326% | 4,613 |
| Total risk-based capital ratio | 13.0610% | 4,643 |
| Memoranda: | ||
| Average total assets | $202,492,000 | 2,938 |
| Average earning assets | $192,986,000 | 2,868 |
| Average equity | $22,038,000 | 2,969 |
| Average total loans | $180,678,330 | 2,334 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6932% | 950 |
| Cost of funding earning assets | 0.9281% | 242 |
| Net interest margin | 3.7651% | 2,245 |
| Noninterest income to average assets | 0.1964% | 5,093 |
| Noninterest expense to average assets | 3.1644% | 1,704 |
| Loan and lease loss provision to assets | 0.0790% | 2,235 |
| Net operating income to assets | 0.3563% | 5,058 |
| Return on assets (ROA) | 0.3563% | 5,080 |
| Pretax return on assets | 0.5588% | 4,819 |
| Return on Equity (ROE) | 3.2102% | 5,042 |
| Retained earnings to average equity (ytd only) | 3.2102% | 3,823 |
| Net charge-offs to loans | 0.1137% | 1,258 |
| Credit loss provision to net charge-offs | 76.4706% | 1,779 |
| Earnings coverage of net charge-offs (x) | 6.1765% | 2,231 |
| Efficiency ratio | 83.2268% | 1,041 |
| Assets per employee ($millions) | 5.1942% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 4,369 |
| Loan loss allowance to noncurrent loans | 64.4622% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 886 |
| Noncurrent loans to loans | 1.5276% | 1,296 |
| Net loans and leases to total assets | 90.3754% | 49 |
| Net loans and leases to deposits | 123.1442% | 67 |
| Net loans and leases to core deposits | 155.2993% | 92 |
| Total domestic deposits to total assets | 73.3899% | 5,459 |
| Equity capital to assets | 11.1597% | 2,469 |
| Core capital (leverage) ratio | 10.8788% | 2,507 |
| Tier 1 risk-based capital ratio | 12.0845% | 4,660 |
| Total risk-based capital ratio | 13.0745% | 4,740 |
| Memoranda: | ||
| Average total assets | $197,575,500 | 3,019 |
| Average earning assets | $189,209,000 | 2,945 |
| Average equity | $21,930,000 | 2,992 |
| Average total loans | $179,387,500 | 2,367 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7440% | 976 |
| Cost of funding earning assets | 1.0133% | 159 |
| Net interest margin | 3.7307% | 2,574 |
| Noninterest income to average assets | 0.3035% | 4,573 |
| Noninterest expense to average assets | 3.2249% | 1,734 |
| Loan and lease loss provision to assets | 0.1071% | 2,258 |
| Net operating income to assets | 0.2944% | 5,231 |
| Return on assets (ROA) | 0.2944% | 5,301 |
| Pretax return on assets | 0.5004% | 5,022 |
| Return on Equity (ROE) | 2.7065% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.7065% | 3,980 |
| Net charge-offs to loans | 0.2979% | 928 |
| Credit loss provision to net charge-offs | 40.9266% | 3,489 |
| Earnings coverage of net charge-offs (x) | 2.3224% | 3,848 |
| Efficiency ratio | 84.1481% | 996 |
| Assets per employee ($millions) | 5.2045% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,332 |
| Loan loss allowance to noncurrent loans | 69.4671% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 1,002 |
| Noncurrent loans to loans | 1.4394% | 1,411 |
| Net loans and leases to total assets | 89.4125% | 81 |
| Net loans and leases to deposits | 121.6787% | 78 |
| Net loans and leases to core deposits | 147.5826% | 128 |
| Total domestic deposits to total assets | 73.4825% | 5,476 |
| Equity capital to assets | 11.0395% | 2,606 |
| Core capital (leverage) ratio | 10.4094% | 2,977 |
| Tier 1 risk-based capital ratio | 11.8692% | 4,810 |
| Total risk-based capital ratio | 12.8687% | 4,886 |
| Memoranda: | ||
| Average total assets | $198,021,800 | 2,975 |
| Average earning assets | $187,311,400 | 2,927 |
| Average equity | $21,540,600 | 3,019 |
| Average total loans | $173,878,600 | 2,375 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7401% | 999 |
| Cost of funding earning assets | 1.0120% | 160 |
| Net interest margin | 3.7281% | 2,600 |
| Noninterest income to average assets | 0.3204% | 4,481 |
| Noninterest expense to average assets | 3.1703% | 1,849 |
| Loan and lease loss provision to assets | 0.1205% | 1,927 |
| Net operating income to assets | 0.3298% | 5,215 |
| Return on assets (ROA) | 0.3298% | 5,293 |
| Pretax return on assets | 0.5506% | 5,001 |
| Return on Equity (ROE) | 3.0433% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.0433% | 4,089 |
| Net charge-offs to loans | 0.2826% | 813 |
| Credit loss provision to net charge-offs | 48.9071% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.7240% | 3,533 |
| Efficiency ratio | 82.5302% | 1,127 |
| Assets per employee ($millions) | 5.2049% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 3,948 |
| Loan loss allowance to noncurrent loans | 67.4814% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 1,017 |
| Noncurrent loans to loans | 1.6001% | 1,344 |
| Net loans and leases to total assets | 85.9723% | 254 |
| Net loans and leases to deposits | 115.8905% | 157 |
| Net loans and leases to core deposits | 141.0458% | 183 |
| Total domestic deposits to total assets | 74.1841% | 5,416 |
| Equity capital to assets | 10.7049% | 3,351 |
| Core capital (leverage) ratio | 10.7115% | 2,775 |
| Tier 1 risk-based capital ratio | 11.9483% | 4,819 |
| Total risk-based capital ratio | 13.0265% | 4,832 |
| Memoranda: | ||
| Average total assets | $198,084,500 | 2,989 |
| Average earning assets | $187,079,750 | 2,942 |
| Average equity | $21,467,500 | 3,048 |
| Average total loans | $172,693,750 | 2,390 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7394% | 972 |
| Cost of funding earning assets | 1.0161% | 156 |
| Net interest margin | 3.7233% | 2,603 |
| Noninterest income to average assets | 0.3309% | 4,410 |
| Noninterest expense to average assets | 3.2110% | 1,786 |
| Loan and lease loss provision to assets | 0.0641% | 2,860 |
| Net operating income to assets | 0.3594% | 5,156 |
| Return on assets (ROA) | 0.3594% | 5,246 |
| Pretax return on assets | 0.5884% | 4,913 |
| Return on Equity (ROE) | 3.3022% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.3022% | 3,800 |
| Net charge-offs to loans | 0.3546% | 660 |
| Credit loss provision to net charge-offs | 20.7237% | 2,925 |
| Earnings coverage of net charge-offs (x) | 2.1086% | 3,323 |
| Efficiency ratio | 83.1094% | 1,131 |
| Assets per employee ($millions) | 4.8926% | 2,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 4,107 |
| Loan loss allowance to noncurrent loans | 122.2589% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,367 |
| Noncurrent loans to loans | 0.8757% | 2,549 |
| Net loans and leases to total assets | 87.3953% | 177 |
| Net loans and leases to deposits | 119.1871% | 109 |
| Net loans and leases to core deposits | 143.2411% | 160 |
| Total domestic deposits to total assets | 73.3262% | 5,580 |
| Equity capital to assets | 11.0227% | 3,036 |
| Core capital (leverage) ratio | 10.5718% | 2,882 |
| Tier 1 risk-based capital ratio | 12.2466% | 4,675 |
| Total risk-based capital ratio | 13.3278% | 4,699 |
| Memoranda: | ||
| Average total assets | $196,449,000 | 3,023 |
| Average earning assets | $186,394,670 | 2,970 |
| Average equity | $21,380,000 | 3,063 |
| Average total loans | $171,451,330 | 2,396 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 981 |
| Cost of funding earning assets | 1.0177% | 151 |
| Net interest margin | 3.7187% | 2,594 |
| Noninterest income to average assets | 0.2886% | 4,663 |
| Noninterest expense to average assets | 3.2558% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3496% | 5,149 |
| Return on assets (ROA) | 0.3496% | 5,233 |
| Pretax return on assets | 0.5528% | 4,947 |
| Return on Equity (ROE) | 3.2325% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.2325% | 3,883 |
| Net charge-offs to loans | 0.4943% | 447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.2891% | 2,839 |
| Efficiency ratio | 85.4856% | 1,023 |
| Assets per employee ($millions) | 5.1372% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 4,031 |
| Loan loss allowance to noncurrent loans | 102.5627% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 2,140 |
| Noncurrent loans to loans | 1.0754% | 2,242 |
| Net loans and leases to total assets | 84.1838% | 354 |
| Net loans and leases to deposits | 113.6260% | 155 |
| Net loans and leases to core deposits | 142.8718% | 146 |
| Total domestic deposits to total assets | 74.0885% | 5,603 |
| Equity capital to assets | 10.6658% | 3,297 |
| Core capital (leverage) ratio | 10.2855% | 3,216 |
| Tier 1 risk-based capital ratio | 12.3238% | 4,712 |
| Total risk-based capital ratio | 13.4402% | 4,690 |
| Memoranda: | ||
| Average total assets | $196,821,000 | 3,020 |
| Average earning assets | $186,303,500 | 2,981 |
| Average equity | $21,284,000 | 3,079 |
| Average total loans | $170,733,000 | 2,400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 899 |
| Cost of funding earning assets | 1.0194% | 157 |
| Net interest margin | 3.7952% | 2,395 |
| Noninterest income to average assets | 0.4067% | 3,989 |
| Noninterest expense to average assets | 3.2759% | 1,773 |
| Loan and lease loss provision to assets | 0.2553% | 743 |
| Net operating income to assets | 0.2946% | 5,375 |
| Return on assets (ROA) | 0.2946% | 5,454 |
| Pretax return on assets | 0.4523% | 5,219 |
| Return on Equity (ROE) | 2.6904% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.6904% | 4,157 |
| Net charge-offs to loans | 0.1379% | 1,972 |
| Credit loss provision to net charge-offs | 215.4867% | 1,319 |
| Earnings coverage of net charge-offs (x) | 5.9735% | 3,298 |
| Efficiency ratio | 82.2368% | 1,371 |
| Assets per employee ($millions) | 4.8323% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,334 |
| Loan loss allowance to noncurrent loans | 89.8625% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 1,420 |
| Noncurrent loans to loans | 1.3620% | 1,721 |
| Net loans and leases to total assets | 87.3450% | 149 |
| Net loans and leases to deposits | 119.3153% | 107 |
| Net loans and leases to core deposits | 151.0648% | 107 |
| Total domestic deposits to total assets | 73.2052% | 5,710 |
| Equity capital to assets | 10.9674% | 2,857 |
| Core capital (leverage) ratio | 10.2872% | 3,169 |
| Tier 1 risk-based capital ratio | 11.9885% | 4,957 |
| Total risk-based capital ratio | 13.2290% | 4,866 |
| Memoranda: | ||
| Average total assets | $190,787,400 | 3,040 |
| Average earning assets | $179,806,600 | 3,002 |
| Average equity | $20,889,200 | 3,085 |
| Average total loans | $163,928,800 | 2,414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8291% | 885 |
| Cost of funding earning assets | 1.0096% | 172 |
| Net interest margin | 3.8195% | 2,306 |
| Noninterest income to average assets | 0.4319% | 3,855 |
| Noninterest expense to average assets | 3.2673% | 1,785 |
| Loan and lease loss provision to assets | 0.2938% | 508 |
| Net operating income to assets | 0.3078% | 5,429 |
| Return on assets (ROA) | 0.3078% | 5,516 |
| Pretax return on assets | 0.4677% | 5,301 |
| Return on Equity (ROE) | 2.8124% | 5,449 |
| Retained earnings to average equity (ytd only) | 2.8124% | 4,431 |
| Net charge-offs to loans | 0.0230% | 3,480 |
| Credit loss provision to net charge-offs | 1,496.4286% | 245 |
| Earnings coverage of net charge-offs (x) | 38.7881% | 1,279 |
| Efficiency ratio | 81.0999% | 1,511 |
| Assets per employee ($millions) | 4.7945% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,075 |
| Loan loss allowance to noncurrent loans | 70.5845% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 2.0550% | 979 |
| Noncurrent loans to loans | 1.8461% | 1,270 |
| Net loans and leases to total assets | 87.7583% | 150 |
| Net loans and leases to deposits | 120.1505% | 103 |
| Net loans and leases to core deposits | 153.2400% | 94 |
| Total domestic deposits to total assets | 73.0403% | 5,786 |
| Equity capital to assets | 10.9704% | 3,062 |
| Core capital (leverage) ratio | 10.5943% | 2,930 |
| Tier 1 risk-based capital ratio | 12.0043% | 5,085 |
| Total risk-based capital ratio | 13.2597% | 4,994 |
| Memoranda: | ||
| Average total assets | $190,161,500 | 3,073 |
| Average earning assets | $179,077,000 | 3,033 |
| Average equity | $20,811,750 | 3,117 |
| Average total loans | $162,180,500 | 2,451 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 1,060 |
| Cost of funding earning assets | 1.0163% | 167 |
| Net interest margin | 3.6877% | 2,763 |
| Noninterest income to average assets | 0.2489% | 5,166 |
| Noninterest expense to average assets | 3.3034% | 1,695 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2742% | 5,522 |
| Return on assets (ROA) | 0.2742% | 5,605 |
| Pretax return on assets | 0.4166% | 5,430 |
| Return on Equity (ROE) | 2.5077% | 5,558 |
| Retained earnings to average equity (ytd only) | 2.5077% | 4,458 |
| Net charge-offs to loans | 0.1430% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.4649% | 3,192 |
| Efficiency ratio | 88.8007% | 843 |
| Assets per employee ($millions) | 4.9172% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 4,563 |
| Loan loss allowance to noncurrent loans | 94.8095% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3963% | 1,796 |
| Noncurrent loans to loans | 1.1152% | 2,421 |
| Net loans and leases to total assets | 85.9911% | 243 |
| Net loans and leases to deposits | 118.7438% | 108 |
| Net loans and leases to core deposits | 144.7215% | 137 |
| Total domestic deposits to total assets | 72.4174% | 5,917 |
| Equity capital to assets | 11.1708% | 2,696 |
| Core capital (leverage) ratio | 10.4189% | 3,064 |
| Tier 1 risk-based capital ratio | 12.3927% | 4,882 |
| Total risk-based capital ratio | 13.4652% | 4,889 |
| Memoranda: | ||
| Average total assets | $189,622,330 | 3,105 |
| Average earning assets | $178,484,670 | 3,063 |
| Average equity | $20,736,000 | 3,138 |
| Average total loans | $159,399,330 | 2,488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,280 |
| Cost of funding earning assets | 1.0170% | 166 |
| Net interest margin | 3.5583% | 3,188 |
| Noninterest income to average assets | 0.2094% | 5,453 |
| Noninterest expense to average assets | 3.2627% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2031% | 5,678 |
| Return on assets (ROA) | 0.2031% | 5,767 |
| Pretax return on assets | 0.3099% | 5,628 |
| Return on Equity (ROE) | 1.8773% | 5,717 |
| Retained earnings to average equity (ytd only) | 1.8773% | 4,722 |
| Net charge-offs to loans | -0.7220% | 6,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3247% | 757 |
| Assets per employee ($millions) | 4.9854% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 3,196 |
| Loan loss allowance to noncurrent loans | 125.9524% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 2,530 |
| Noncurrent loans to loans | 1.0628% | 2,636 |
| Net loans and leases to total assets | 80.2103% | 664 |
| Net loans and leases to deposits | 108.9522% | 236 |
| Net loans and leases to core deposits | 134.5934% | 198 |
| Total domestic deposits to total assets | 73.6197% | 5,933 |
| Equity capital to assets | 10.6579% | 3,361 |
| Core capital (leverage) ratio | 10.3661% | 3,143 |
| Tier 1 risk-based capital ratio | 12.4998% | 4,905 |
| Total risk-based capital ratio | 13.7511% | 4,814 |
| Memoranda: | ||
| Average total assets | $191,007,000 | 3,105 |
| Average earning assets | $180,536,000 | 3,065 |
| Average equity | $20,667,500 | 3,168 |
| Average total loans | $157,902,000 | 2,514 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8774% | 961 |
| Cost of funding earning assets | 1.0922% | 139 |
| Net interest margin | 3.7852% | 2,676 |
| Noninterest income to average assets | 0.3982% | 4,193 |
| Noninterest expense to average assets | 3.3447% | 1,814 |
| Loan and lease loss provision to assets | 0.2146% | 1,163 |
| Net operating income to assets | 0.2181% | 5,732 |
| Return on assets (ROA) | 0.2478% | 5,719 |
| Pretax return on assets | 0.3768% | 5,544 |
| Return on Equity (ROE) | 2.2733% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2733% | 4,620 |
| Net charge-offs to loans | 0.4793% | 871 |
| Credit loss provision to net charge-offs | 54.4837% | 3,391 |
| Earnings coverage of net charge-offs (x) | 1.3872% | 4,431 |
| Efficiency ratio | 85.9560% | 1,175 |
| Assets per employee ($millions) | 4.9364% | 2,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 4,227 |
| Loan loss allowance to noncurrent loans | 100.9934% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 2,221 |
| Noncurrent loans to loans | 1.1488% | 2,547 |
| Net loans and leases to total assets | 83.1122% | 422 |
| Net loans and leases to deposits | 114.4256% | 157 |
| Net loans and leases to core deposits | 143.9070% | 136 |
| Total domestic deposits to total assets | 72.6343% | 6,046 |
| Equity capital to assets | 10.9886% | 2,907 |
| Core capital (leverage) ratio | 10.4330% | 3,019 |
| Tier 1 risk-based capital ratio | 12.5500% | 5,011 |
| Total risk-based capital ratio | 13.7213% | 4,971 |
| Memoranda: | ||
| Average total assets | $186,832,800 | 3,137 |
| Average earning assets | $172,407,800 | 3,129 |
| Average equity | $20,366,600 | 3,121 |
| Average total loans | $153,561,400 | 2,520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 955 |
| Cost of funding earning assets | 1.0969% | 148 |
| Net interest margin | 3.7910% | 2,653 |
| Noninterest income to average assets | 0.4436% | 3,933 |
| Noninterest expense to average assets | 3.3610% | 1,763 |
| Loan and lease loss provision to assets | 0.2865% | 703 |
| Net operating income to assets | 0.1797% | 5,885 |
| Return on assets (ROA) | 0.1986% | 5,900 |
| Pretax return on assets | 0.3007% | 5,772 |
| Return on Equity (ROE) | 1.8255% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.8255% | 5,139 |
| Net charge-offs to loans | 0.3602% | 1,118 |
| Credit loss provision to net charge-offs | 97.3301% | 2,295 |
| Earnings coverage of net charge-offs (x) | 1.8981% | 4,045 |
| Efficiency ratio | 85.7481% | 1,206 |
| Assets per employee ($millions) | 4.3566% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 3,209 |
| Loan loss allowance to noncurrent loans | 49.0102% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.8745% | 840 |
| Noncurrent loans to loans | 2.8432% | 966 |
| Net loans and leases to total assets | 81.3648% | 572 |
| Net loans and leases to deposits | 111.9958% | 182 |
| Net loans and leases to core deposits | 142.2078% | 144 |
| Total domestic deposits to total assets | 72.6499% | 6,120 |
| Equity capital to assets | 10.9217% | 3,043 |
| Core capital (leverage) ratio | 10.3199% | 3,268 |
| Tier 1 risk-based capital ratio | 12.4402% | 5,202 |
| Total risk-based capital ratio | 13.6922% | 5,136 |
| Memoranda: | ||
| Average total assets | $186,644,750 | 3,174 |
| Average earning assets | $171,137,750 | 3,168 |
| Average equity | $20,305,000 | 3,138 |
| Average total loans | $152,517,750 | 2,535 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 1,010 |
| Cost of funding earning assets | 1.1014% | 149 |
| Net interest margin | 3.7359% | 2,818 |
| Noninterest income to average assets | 0.4849% | 3,593 |
| Noninterest expense to average assets | 3.4053% | 1,668 |
| Loan and lease loss provision to assets | 0.3487% | 517 |
| Net operating income to assets | 0.0910% | 6,062 |
| Return on assets (ROA) | 0.1384% | 6,010 |
| Pretax return on assets | 0.2092% | 5,932 |
| Return on Equity (ROE) | 1.2739% | 5,998 |
| Retained earnings to average equity (ytd only) | 1.2739% | 5,238 |
| Net charge-offs to loans | 0.4821% | 833 |
| Credit loss provision to net charge-offs | 88.7978% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1.2377% | 3,865 |
| Efficiency ratio | 87.5103% | 1,129 |
| Assets per employee ($millions) | 4.3724% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3553% | 3,562 |
| Loan loss allowance to noncurrent loans | 60.4096% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 1,203 |
| Noncurrent loans to loans | 2.2435% | 1,457 |
| Net loans and leases to total assets | 82.2242% | 453 |
| Net loans and leases to deposits | 112.9018% | 151 |
| Net loans and leases to core deposits | 141.1602% | 136 |
| Total domestic deposits to total assets | 72.8281% | 6,198 |
| Equity capital to assets | 10.8120% | 3,075 |
| Core capital (leverage) ratio | 10.4346% | 3,035 |
| Tier 1 risk-based capital ratio | 12.1321% | 5,466 |
| Total risk-based capital ratio | 13.3831% | 5,379 |
| Memoranda: | ||
| Average total assets | $186,415,000 | 3,189 |
| Average earning assets | $169,973,000 | 3,202 |
| Average equity | $20,253,330 | 3,144 |
| Average total loans | $151,831,000 | 2,550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 1,074 |
| Cost of funding earning assets | 1.1122% | 154 |
| Net interest margin | 3.6756% | 2,964 |
| Noninterest income to average assets | 0.3211% | 4,799 |
| Noninterest expense to average assets | 3.3790% | 1,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1724% | 5,875 |
| Return on assets (ROA) | 0.1724% | 5,918 |
| Pretax return on assets | 0.2608% | 5,804 |
| Return on Equity (ROE) | 1.5829% | 5,906 |
| Retained earnings to average equity (ytd only) | 1.5829% | 4,981 |
| Net charge-offs to loans | 0.3722% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.8705% | 3,246 |
| Efficiency ratio | 92.8360% | 824 |
| Assets per employee ($millions) | 4.2290% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,826 |
| Loan loss allowance to noncurrent loans | 46.9852% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 3.0036% | 954 |
| Noncurrent loans to loans | 2.8832% | 1,132 |
| Net loans and leases to total assets | 79.2838% | 629 |
| Net loans and leases to deposits | 109.2225% | 163 |
| Net loans and leases to core deposits | 130.9495% | 183 |
| Total domestic deposits to total assets | 72.5893% | 6,329 |
| Equity capital to assets | 10.9052% | 2,818 |
| Core capital (leverage) ratio | 10.6664% | 2,744 |
| Tier 1 risk-based capital ratio | 12.4732% | 5,330 |
| Total risk-based capital ratio | 13.7242% | 5,269 |
| Memoranda: | ||
| Average total assets | $185,615,500 | 3,225 |
| Average earning assets | $167,592,000 | 3,248 |
| Average equity | $20,216,000 | 3,151 |
| Average total loans | $149,388,000 | 2,595 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6227% | 1,793 |
| Cost of funding earning assets | 1.1404% | 231 |
| Net interest margin | 3.4823% | 3,978 |
| Noninterest income to average assets | 0.7788% | 2,171 |
| Noninterest expense to average assets | 3.7868% | 1,160 |
| Loan and lease loss provision to assets | 0.0834% | 3,449 |
| Net operating income to assets | 1.0554% | 2,092 |
| Return on assets (ROA) | 1.1663% | 1,750 |
| Pretax return on assets | 0.2998% | 5,734 |
| Return on Equity (ROE) | 11.5493% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.5493% | 366 |
| Net charge-offs to loans | 0.1425% | 3,376 |
| Credit loss provision to net charge-offs | 76.7327% | 3,123 |
| Earnings coverage of net charge-offs (x) | 2.5050% | 4,178 |
| Efficiency ratio | 93.2909% | 788 |
| Assets per employee ($millions) | 4.3059% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 3,412 |
| Loan loss allowance to noncurrent loans | 43.9594% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.4242% | 869 |
| Noncurrent loans to loans | 3.3005% | 992 |
| Net loans and leases to total assets | 79.4236% | 657 |
| Net loans and leases to deposits | 109.5430% | 180 |
| Net loans and leases to core deposits | 137.4291% | 141 |
| Total domestic deposits to total assets | 72.5045% | 6,386 |
| Equity capital to assets | 10.8774% | 2,728 |
| Core capital (leverage) ratio | 10.5573% | 2,843 |
| Tier 1 risk-based capital ratio | 12.3523% | 5,393 |
| Total risk-based capital ratio | 13.6045% | 5,317 |
| Memoranda: | ||
| Average total assets | $185,805,200 | 3,214 |
| Average earning assets | $175,027,800 | 3,148 |
| Average equity | $18,763,000 | 3,305 |
| Average total loans | $141,708,400 | 2,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 1,806 |
| Cost of funding earning assets | 1.1496% | 242 |
| Net interest margin | 3.4784% | 3,975 |
| Noninterest income to average assets | 0.8474% | 1,948 |
| Noninterest expense to average assets | 3.8163% | 1,064 |
| Loan and lease loss provision to assets | 0.0738% | 3,579 |
| Net operating income to assets | 0.2416% | 5,801 |
| Return on assets (ROA) | 0.3893% | 5,423 |
| Pretax return on assets | 0.3893% | 5,650 |
| Return on Equity (ROE) | 3.9307% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.9307% | 3,897 |
| Net charge-offs to loans | 0.2184% | 2,518 |
| Credit loss provision to net charge-offs | 44.9782% | 3,616 |
| Earnings coverage of net charge-offs (x) | 1.9214% | 4,185 |
| Efficiency ratio | 92.3651% | 831 |
| Assets per employee ($millions) | 3.4153% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 3,812 |
| Loan loss allowance to noncurrent loans | 82.2880% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.3553% | 1,669 |
| Noncurrent loans to loans | 1.7252% | 2,607 |
| Net loans and leases to total assets | 81.5644% | 399 |
| Net loans and leases to deposits | 112.9376% | 122 |
| Net loans and leases to core deposits | 135.0299% | 145 |
| Total domestic deposits to total assets | 72.2208% | 6,478 |
| Equity capital to assets | 10.4304% | 3,361 |
| Core capital (leverage) ratio | 10.1125% | 3,508 |
| Tier 1 risk-based capital ratio | 12.2810% | 5,587 |
| Total risk-based capital ratio | 13.5330% | 5,522 |
| Memoranda: | ||
| Average total assets | $185,968,000 | 3,241 |
| Average earning assets | $175,592,500 | 3,165 |
| Average equity | $18,418,750 | 3,383 |
| Average total loans | $139,830,250 | 2,713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,166 |
| Cost of funding earning assets | 1.1456% | 269 |
| Net interest margin | 3.3649% | 4,326 |
| Noninterest income to average assets | 0.7862% | 2,257 |
| Noninterest expense to average assets | 3.7190% | 1,221 |
| Loan and lease loss provision to assets | 0.0668% | 3,698 |
| Net operating income to assets | 0.1780% | 5,962 |
| Return on assets (ROA) | 0.3963% | 5,394 |
| Pretax return on assets | 0.3963% | 5,645 |
| Return on Equity (ROE) | 4.0688% | 5,191 |
| Retained earnings to average equity (ytd only) | 4.0688% | 3,705 |
| Net charge-offs to loans | 0.3361% | 1,842 |
| Credit loss provision to net charge-offs | 27.2727% | 3,631 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,194 |
| Efficiency ratio | 93.8252% | 770 |
| Assets per employee ($millions) | 3.4363% | 4,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 3,879 |
| Loan loss allowance to noncurrent loans | 95.3358% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 2.3636% | 1,817 |
| Noncurrent loans to loans | 1.5034% | 3,050 |
| Net loans and leases to total assets | 75.7520% | 1,010 |
| Net loans and leases to deposits | 103.1170% | 293 |
| Net loans and leases to core deposits | 125.9324% | 226 |
| Total domestic deposits to total assets | 73.4622% | 6,474 |
| Equity capital to assets | 9.9255% | 4,010 |
| Core capital (leverage) ratio | 9.9814% | 3,555 |
| Tier 1 risk-based capital ratio | 12.8931% | 5,230 |
| Total risk-based capital ratio | 14.1457% | 5,161 |
| Memoranda: | ||
| Average total assets | $188,758,330 | 3,211 |
| Average earning assets | $178,253,670 | 3,144 |
| Average equity | $18,383,670 | 3,411 |
| Average total loans | $137,459,670 | 2,754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 2,390 |
| Cost of funding earning assets | 1.1616% | 273 |
| Net interest margin | 3.2764% | 4,605 |
| Noninterest income to average assets | 0.8699% | 1,865 |
| Noninterest expense to average assets | 3.6374% | 1,357 |
| Loan and lease loss provision to assets | 0.0525% | 3,742 |
| Net operating income to assets | 0.2858% | 5,609 |
| Return on assets (ROA) | 0.3614% | 5,440 |
| Pretax return on assets | 0.3614% | 5,676 |
| Return on Equity (ROE) | 3.7460% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.7460% | 3,988 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4905% | 1,028 |
| Assets per employee ($millions) | 3.4938% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 3,213 |
| Loan loss allowance to noncurrent loans | 72.9853% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.4944% | 1,851 |
| Noncurrent loans to loans | 2.2559% | 2,325 |
| Net loans and leases to total assets | 72.1643% | 1,325 |
| Net loans and leases to deposits | 98.3267% | 429 |
| Net loans and leases to core deposits | 115.1360% | 366 |
| Total domestic deposits to total assets | 73.3923% | 6,573 |
| Equity capital to assets | 9.9761% | 4,176 |
| Core capital (leverage) ratio | 9.5468% | 4,004 |
| Tier 1 risk-based capital ratio | 13.0755% | 5,161 |
| Total risk-based capital ratio | 14.3297% | 5,114 |
| Memoranda: | ||
| Average total assets | $190,356,500 | 3,217 |
| Average earning assets | $180,440,000 | 3,139 |
| Average equity | $18,366,500 | 3,475 |
| Average total loans | $134,884,000 | 2,806 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 3,469 |
| Cost of funding earning assets | 1.2082% | 555 |
| Net interest margin | 3.2753% | 5,339 |
| Noninterest income to average assets | 0.7188% | 2,623 |
| Noninterest expense to average assets | 3.3555% | 2,173 |
| Loan and lease loss provision to assets | 0.4039% | 1,608 |
| Net operating income to assets | 0.0192% | 6,141 |
| Return on assets (ROA) | 0.2052% | 5,952 |
| Pretax return on assets | 0.2052% | 5,984 |
| Return on Equity (ROE) | 2.3253% | 5,814 |
| Retained earnings to average equity (ytd only) | 2.3253% | 4,598 |
| Net charge-offs to loans | 0.9237% | 1,217 |
| Credit loss provision to net charge-offs | 65.9968% | 4,286 |
| Earnings coverage of net charge-offs (x) | 0.6913% | 5,141 |
| Efficiency ratio | 88.8021% | 1,165 |
| Assets per employee ($millions) | 3.7604% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6519% | 3,109 |
| Loan loss allowance to noncurrent loans | 73.5617% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.3581% | 2,084 |
| Noncurrent loans to loans | 2.2457% | 2,407 |
| Net loans and leases to total assets | 67.3470% | 2,309 |
| Net loans and leases to deposits | 90.0304% | 1,072 |
| Net loans and leases to core deposits | 107.0232% | 651 |
| Total domestic deposits to total assets | 74.8048% | 6,462 |
| Equity capital to assets | 9.3382% | 5,098 |
| Core capital (leverage) ratio | 9.0320% | 4,844 |
| Tier 1 risk-based capital ratio | 11.8205% | 5,894 |
| Total risk-based capital ratio | 13.0733% | 5,858 |
| Memoranda: | ||
| Average total assets | $203,251,400 | 3,009 |
| Average earning assets | $189,875,200 | 2,958 |
| Average equity | $17,932,800 | 3,478 |
| Average total loans | $134,673,000 | 2,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 3,766 |
| Cost of funding earning assets | 1.2088% | 667 |
| Net interest margin | 3.2543% | 5,532 |
| Noninterest income to average assets | 0.6089% | 3,217 |
| Noninterest expense to average assets | 3.3076% | 2,252 |
| Loan and lease loss provision to assets | 0.3775% | 1,707 |
| Net operating income to assets | -0.0461% | 6,333 |
| Return on assets (ROA) | 0.1995% | 6,084 |
| Pretax return on assets | 0.1995% | 6,124 |
| Return on Equity (ROE) | 2.2930% | 5,944 |
| Retained earnings to average equity (ytd only) | 2.2930% | 5,188 |
| Net charge-offs to loans | 0.6732% | 1,636 |
| Credit loss provision to net charge-offs | 85.3157% | 3,453 |
| Earnings coverage of net charge-offs (x) | 0.7489% | 4,955 |
| Efficiency ratio | 90.8929% | 974 |
| Assets per employee ($millions) | 3.9225% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,616 |
| Loan loss allowance to noncurrent loans | 81.3021% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 2,111 |
| Noncurrent loans to loans | 2.2863% | 2,527 |
| Net loans and leases to total assets | 66.9054% | 2,483 |
| Net loans and leases to deposits | 88.6131% | 1,281 |
| Net loans and leases to core deposits | 106.4383% | 714 |
| Total domestic deposits to total assets | 75.5029% | 6,454 |
| Equity capital to assets | 9.0633% | 5,759 |
| Core capital (leverage) ratio | 8.6577% | 5,539 |
| Tier 1 risk-based capital ratio | 11.7105% | 6,105 |
| Total risk-based capital ratio | 12.9656% | 6,089 |
| Memoranda: | ||
| Average total assets | $205,179,000 | 3,017 |
| Average earning assets | $191,045,750 | 2,979 |
| Average equity | $17,851,000 | 3,524 |
| Average total loans | $134,865,500 | 2,826 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 4,244 |
| Cost of funding earning assets | 1.2025% | 807 |
| Net interest margin | 3.1815% | 5,795 |
| Noninterest income to average assets | 0.4843% | 4,025 |
| Noninterest expense to average assets | 3.2268% | 2,502 |
| Loan and lease loss provision to assets | 0.2426% | 2,636 |
| Net operating income to assets | -0.0106% | 6,333 |
| Return on assets (ROA) | 0.1324% | 6,250 |
| Pretax return on assets | 0.1324% | 6,260 |
| Return on Equity (ROE) | 1.5430% | 6,183 |
| Retained earnings to average equity (ytd only) | 1.5430% | 5,435 |
| Net charge-offs to loans | 0.5567% | 1,919 |
| Credit loss provision to net charge-offs | 67.1123% | 3,632 |
| Earnings coverage of net charge-offs (x) | 0.6417% | 4,744 |
| Efficiency ratio | 93.2923% | 845 |
| Assets per employee ($millions) | 4.1428% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8075% | 2,833 |
| Loan loss allowance to noncurrent loans | 75.7996% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 2.3428% | 2,384 |
| Noncurrent loans to loans | 2.3846% | 2,514 |
| Net loans and leases to total assets | 64.5873% | 2,911 |
| Net loans and leases to deposits | 83.9389% | 1,858 |
| Net loans and leases to core deposits | 100.6869% | 1,053 |
| Total domestic deposits to total assets | 76.9456% | 6,329 |
| Equity capital to assets | 8.4829% | 6,226 |
| Core capital (leverage) ratio | 8.5287% | 5,616 |
| Tier 1 risk-based capital ratio | 11.7774% | 6,070 |
| Total risk-based capital ratio | 13.0326% | 6,050 |
| Memoranda: | ||
| Average total assets | $206,889,330 | 3,009 |
| Average earning assets | $193,428,670 | 2,955 |
| Average equity | $17,757,670 | 3,533 |
| Average total loans | $134,361,330 | 2,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 4,153 |
| Cost of funding earning assets | 1.2387% | 810 |
| Net interest margin | 3.2031% | 5,774 |
| Noninterest income to average assets | 0.4651% | 4,186 |
| Noninterest expense to average assets | 3.2615% | 2,411 |
| Loan and lease loss provision to assets | 0.0664% | 4,584 |
| Net operating income to assets | 0.1133% | 6,209 |
| Return on assets (ROA) | 0.1133% | 6,337 |
| Pretax return on assets | 0.1133% | 6,364 |
| Return on Equity (ROE) | 1.3126% | 6,283 |
| Retained earnings to average equity (ytd only) | 1.3126% | 5,572 |
| Net charge-offs to loans | 1.1389% | 906 |
| Credit loss provision to net charge-offs | 9.0426% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.2447% | 4,245 |
| Efficiency ratio | 94.7757% | 785 |
| Assets per employee ($millions) | 3.8839% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 3,260 |
| Loan loss allowance to noncurrent loans | 68.1224% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 2.6327% | 2,246 |
| Noncurrent loans to loans | 2.5278% | 2,578 |
| Net loans and leases to total assets | 64.7980% | 2,691 |
| Net loans and leases to deposits | 85.2660% | 1,503 |
| Net loans and leases to core deposits | 103.1561% | 801 |
| Total domestic deposits to total assets | 75.9951% | 6,543 |
| Equity capital to assets | 8.8041% | 5,747 |
| Core capital (leverage) ratio | 8.7384% | 5,234 |
| Tier 1 risk-based capital ratio | 12.2169% | 5,812 |
| Total risk-based capital ratio | 13.4708% | 5,784 |
| Memoranda: | ||
| Average total assets | $204,692,500 | 3,056 |
| Average earning assets | $190,192,500 | 3,014 |
| Average equity | $17,675,000 | 3,547 |
| Average total loans | $132,055,000 | 2,908 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 4,814 |
| Cost of funding earning assets | 1.3949% | 1,061 |
| Net interest margin | 3.1686% | 6,172 |
| Noninterest income to average assets | 0.3486% | 5,019 |
| Noninterest expense to average assets | 3.0295% | 3,481 |
| Loan and lease loss provision to assets | 0.2742% | 3,478 |
| Net operating income to assets | -0.0074% | 6,053 |
| Return on assets (ROA) | 0.0934% | 5,996 |
| Pretax return on assets | 0.0934% | 5,979 |
| Return on Equity (ROE) | 1.1436% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.1436% | 5,320 |
| Net charge-offs to loans | 0.8565% | 2,029 |
| Credit loss provision to net charge-offs | 49.9154% | 5,423 |
| Earnings coverage of net charge-offs (x) | 0.4856% | 5,464 |
| Efficiency ratio | 91.9064% | 1,051 |
| Assets per employee ($millions) | 4.0671% | 3,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 2,235 |
| Loan loss allowance to noncurrent loans | 147.7846% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 3,000 |
| Noncurrent loans to loans | 1.3616% | 4,102 |
| Net loans and leases to total assets | 61.8613% | 3,629 |
| Net loans and leases to deposits | 80.7733% | 2,395 |
| Net loans and leases to core deposits | 117.4305% | 411 |
| Total domestic deposits to total assets | 76.5864% | 6,393 |
| Equity capital to assets | 8.4702% | 6,180 |
| Core capital (leverage) ratio | 8.0283% | 6,230 |
| Tier 1 risk-based capital ratio | 12.2736% | 5,627 |
| Total risk-based capital ratio | 13.5308% | 5,594 |
| Memoranda: | ||
| Average total assets | $215,150,000 | 2,891 |
| Average earning assets | $200,152,200 | 2,851 |
| Average equity | $17,575,400 | 3,493 |
| Average total loans | $138,006,400 | 2,832 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 4,947 |
| Cost of funding earning assets | 1.4155% | 1,164 |
| Net interest margin | 3.1641% | 6,248 |
| Noninterest income to average assets | 0.2604% | 5,757 |
| Noninterest expense to average assets | 2.9801% | 3,631 |
| Loan and lease loss provision to assets | 0.1228% | 4,902 |
| Net operating income to assets | 0.1038% | 5,957 |
| Return on assets (ROA) | 0.1038% | 6,070 |
| Pretax return on assets | 0.1038% | 6,084 |
| Return on Equity (ROE) | 1.2820% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.2820% | 5,494 |
| Net charge-offs to loans | 0.7593% | 2,046 |
| Credit loss provision to net charge-offs | 25.1256% | 5,485 |
| Earnings coverage of net charge-offs (x) | 0.4636% | 5,278 |
| Efficiency ratio | 92.9324% | 976 |
| Assets per employee ($millions) | 4.6168% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 2,474 |
| Loan loss allowance to noncurrent loans | 72.3996% | 3,876 |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 2,701 |
| Noncurrent loans to loans | 2.6928% | 2,595 |
| Net loans and leases to total assets | 59.7098% | 4,184 |
| Net loans and leases to deposits | 76.4926% | 3,250 |
| Net loans and leases to core deposits | 115.3618% | 515 |
| Total domestic deposits to total assets | 78.0596% | 6,181 |
| Equity capital to assets | 7.9818% | 6,705 |
| Core capital (leverage) ratio | 7.9706% | 6,424 |
| Tier 1 risk-based capital ratio | 12.1744% | 5,759 |
| Total risk-based capital ratio | 13.4314% | 5,745 |
| Memoranda: | ||
| Average total assets | $217,082,000 | 2,878 |
| Average earning assets | $202,138,750 | 2,830 |
| Average equity | $17,577,000 | 3,492 |
| Average total loans | $139,770,750 | 2,817 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 4,707 |
| Cost of funding earning assets | 1.4541% | 1,184 |
| Net interest margin | 3.2051% | 6,148 |
| Noninterest income to average assets | 0.3303% | 5,250 |
| Noninterest expense to average assets | 3.0161% | 3,573 |
| Loan and lease loss provision to assets | 0.1856% | 4,061 |
| Net operating income to assets | 0.1123% | 5,985 |
| Return on assets (ROA) | 0.1123% | 6,071 |
| Pretax return on assets | 0.1123% | 6,084 |
| Return on Equity (ROE) | 1.3797% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.3797% | 5,304 |
| Net charge-offs to loans | 1.0794% | 1,459 |
| Credit loss provision to net charge-offs | 26.2123% | 5,042 |
| Earnings coverage of net charge-offs (x) | 0.4207% | 4,985 |
| Efficiency ratio | 91.0134% | 1,163 |
| Assets per employee ($millions) | 4.9266% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 2,561 |
| Loan loss allowance to noncurrent loans | 88.3875% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 2.7037% | 2,476 |
| Noncurrent loans to loans | 2.1878% | 3,238 |
| Net loans and leases to total assets | 60.9409% | 4,099 |
| Net loans and leases to deposits | 78.0942% | 3,106 |
| Net loans and leases to core deposits | 117.4645% | 489 |
| Total domestic deposits to total assets | 78.0351% | 6,283 |
| Equity capital to assets | 8.0042% | 6,682 |
| Core capital (leverage) ratio | 7.7957% | 6,517 |
| Tier 1 risk-based capital ratio | 10.2649% | 6,886 |
| Total risk-based capital ratio | 11.5188% | 6,879 |
| Memoranda: | ||
| Average total assets | $215,574,330 | 2,904 |
| Average earning assets | $200,680,000 | 2,864 |
| Average equity | $17,540,000 | 3,490 |
| Average total loans | $141,377,330 | 2,819 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 3,946 |
| Cost of funding earning assets | 1.4894% | 1,209 |
| Net interest margin | 3.3330% | 5,663 |
| Noninterest income to average assets | 0.2861% | 5,628 |
| Noninterest expense to average assets | 2.8911% | 4,096 |
| Loan and lease loss provision to assets | 0.3764% | 2,308 |
| Net operating income to assets | 0.1186% | 6,043 |
| Return on assets (ROA) | 0.1186% | 6,100 |
| Pretax return on assets | 0.1186% | 6,129 |
| Return on Equity (ROE) | 1.4452% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.4452% | 5,239 |
| Net charge-offs to loans | 2.0282% | 629 |
| Credit loss provision to net charge-offs | 27.5482% | 4,159 |
| Earnings coverage of net charge-offs (x) | 0.3623% | 4,343 |
| Efficiency ratio | 85.3808% | 1,789 |
| Assets per employee ($millions) | 4.7462% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 2,659 |
| Loan loss allowance to noncurrent loans | 138.5128% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 2.7775% | 2,483 |
| Noncurrent loans to loans | 1.3791% | 4,402 |
| Net loans and leases to total assets | 63.5261% | 3,537 |
| Net loans and leases to deposits | 84.0313% | 2,019 |
| Net loans and leases to core deposits | 136.1140% | 222 |
| Total domestic deposits to total assets | 75.5981% | 6,729 |
| Equity capital to assets | 8.0124% | 6,486 |
| Core capital (leverage) ratio | 8.3006% | 5,811 |
| Tier 1 risk-based capital ratio | 10.6764% | 6,707 |
| Total risk-based capital ratio | 11.9313% | 6,689 |
| Memoranda: | ||
| Average total assets | $212,514,000 | 2,960 |
| Average earning assets | $197,658,000 | 2,916 |
| Average equity | $17,437,500 | 3,504 |
| Average total loans | $143,182,500 | 2,820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 5,324 |
| Cost of funding earning assets | 1.7033% | 1,586 |
| Net interest margin | 3.1235% | 6,456 |
| Noninterest income to average assets | 0.2028% | 6,334 |
| Noninterest expense to average assets | 3.1785% | 3,164 |
| Loan and lease loss provision to assets | 0.4811% | 3,247 |
| Net operating income to assets | -0.5175% | 6,398 |
| Return on assets (ROA) | -0.4166% | 6,358 |
| Pretax return on assets | -0.4166% | 6,258 |
| Return on Equity (ROE) | -4.9761% | 6,431 |
| Retained earnings to average equity (ytd only) | -4.9761% | 6,297 |
| Net charge-offs to loans | 0.9074% | 2,377 |
| Credit loss provision to net charge-offs | 76.7647% | 5,671 |
| Earnings coverage of net charge-offs (x) | -0.0581% | 6,183 |
| Efficiency ratio | 101.1587% | 742 |
| Assets per employee ($millions) | 4.4936% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,829 |
| Loan loss allowance to noncurrent loans | 87.8573% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 3.6661% | 1,879 |
| Noncurrent loans to loans | 2.5336% | 2,990 |
| Net loans and leases to total assets | 68.5736% | 2,846 |
| Net loans and leases to deposits | 92.6789% | 1,175 |
| Net loans and leases to core deposits | 141.4833% | 218 |
| Total domestic deposits to total assets | 73.9905% | 6,898 |
| Equity capital to assets | 8.4091% | 5,983 |
| Core capital (leverage) ratio | 8.0326% | 6,147 |
| Tier 1 risk-based capital ratio | 11.3322% | 6,057 |
| Total risk-based capital ratio | 12.5927% | 6,043 |
| Memoranda: | ||
| Average total assets | $216,990,600 | 2,906 |
| Average earning assets | $204,195,800 | 2,817 |
| Average equity | $18,167,000 | 3,399 |
| Average total loans | $149,886,400 | 2,771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 5,607 |
| Cost of funding earning assets | 1.7202% | 1,770 |
| Net interest margin | 3.0911% | 6,633 |
| Noninterest income to average assets | 0.1330% | 6,892 |
| Noninterest expense to average assets | 2.8614% | 4,239 |
| Loan and lease loss provision to assets | 0.4397% | 3,277 |
| Net operating income to assets | -0.2557% | 6,386 |
| Return on assets (ROA) | -0.1227% | 6,299 |
| Pretax return on assets | -0.1227% | 6,249 |
| Return on Equity (ROE) | -1.4667% | 6,335 |
| Retained earnings to average equity (ytd only) | -1.4667% | 6,093 |
| Net charge-offs to loans | 0.8417% | 2,347 |
| Credit loss provision to net charge-offs | 75.8910% | 5,258 |
| Earnings coverage of net charge-offs (x) | 0.3176% | 5,711 |
| Efficiency ratio | 93.9581% | 1,001 |
| Assets per employee ($millions) | 5.0362% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 1,683 |
| Loan loss allowance to noncurrent loans | 70.5795% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 3.8058% | 1,867 |
| Noncurrent loans to loans | 3.2060% | 2,480 |
| Net loans and leases to total assets | 63.1437% | 4,289 |
| Net loans and leases to deposits | 83.1205% | 2,885 |
| Net loans and leases to core deposits | 122.2739% | 549 |
| Total domestic deposits to total assets | 75.9664% | 6,663 |
| Equity capital to assets | 8.0713% | 6,741 |
| Core capital (leverage) ratio | 8.0356% | 6,293 |
| Tier 1 risk-based capital ratio | 11.0110% | 6,375 |
| Total risk-based capital ratio | 12.2709% | 6,339 |
| Memoranda: | ||
| Average total assets | $219,562,000 | 2,924 |
| Average earning assets | $206,869,250 | 2,822 |
| Average equity | $18,363,250 | 3,415 |
| Average total loans | $151,115,000 | 2,790 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8925% | 5,425 |
| Cost of funding earning assets | 1.7450% | 1,894 |
| Net interest margin | 3.1475% | 6,469 |
| Noninterest income to average assets | 0.1280% | 6,952 |
| Noninterest expense to average assets | 2.8526% | 4,257 |
| Loan and lease loss provision to assets | 0.1602% | 5,286 |
| Net operating income to assets | 0.0930% | 5,881 |
| Return on assets (ROA) | 0.0930% | 5,998 |
| Pretax return on assets | 0.0930% | 5,992 |
| Return on Equity (ROE) | 1.0986% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.0986% | 5,325 |
| Net charge-offs to loans | 0.3694% | 3,504 |
| Credit loss provision to net charge-offs | 61.7021% | 5,173 |
| Earnings coverage of net charge-offs (x) | 0.9752% | 4,804 |
| Efficiency ratio | 91.8470% | 1,199 |
| Assets per employee ($millions) | 5.1453% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 1,581 |
| Loan loss allowance to noncurrent loans | 58.2669% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 3.7453% | 1,865 |
| Noncurrent loans to loans | 3.9520% | 1,933 |
| Net loans and leases to total assets | 64.3921% | 4,179 |
| Net loans and leases to deposits | 84.9621% | 2,711 |
| Net loans and leases to core deposits | 129.2690% | 432 |
| Total domestic deposits to total assets | 75.7892% | 6,732 |
| Equity capital to assets | 8.2362% | 6,501 |
| Core capital (leverage) ratio | 8.3606% | 5,647 |
| Tier 1 risk-based capital ratio | 11.5162% | 5,758 |
| Total risk-based capital ratio | 12.7776% | 5,717 |
| Memoranda: | ||
| Average total assets | $217,206,330 | 2,972 |
| Average earning assets | $205,498,670 | 2,867 |
| Average equity | $18,387,000 | 3,400 |
| Average total loans | $152,681,670 | 2,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0672% | 4,692 |
| Cost of funding earning assets | 1.7685% | 2,020 |
| Net interest margin | 3.2986% | 5,977 |
| Noninterest income to average assets | 0.0715% | 7,352 |
| Noninterest expense to average assets | 2.8521% | 4,268 |
| Loan and lease loss provision to assets | 0.2446% | 4,092 |
| Net operating income to assets | 0.0978% | 6,026 |
| Return on assets (ROA) | 0.0978% | 6,130 |
| Pretax return on assets | 0.0978% | 6,141 |
| Return on Equity (ROE) | 1.1393% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.1393% | 5,362 |
| Net charge-offs to loans | 0.2668% | 3,344 |
| Credit loss provision to net charge-offs | 126.2136% | 2,788 |
| Earnings coverage of net charge-offs (x) | 1.7670% | 3,674 |
| Efficiency ratio | 89.2815% | 1,486 |
| Assets per employee ($millions) | 5.1153% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3476% | 1,498 |
| Loan loss allowance to noncurrent loans | 49.7977% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 4.0471% | 1,690 |
| Noncurrent loans to loans | 4.7143% | 1,568 |
| Net loans and leases to total assets | 67.5120% | 3,504 |
| Net loans and leases to deposits | 89.6029% | 1,965 |
| Net loans and leases to core deposits | 142.8525% | 296 |
| Total domestic deposits to total assets | 75.3457% | 6,861 |
| Equity capital to assets | 8.3348% | 6,252 |
| Core capital (leverage) ratio | 8.5684% | 5,258 |
| Tier 1 risk-based capital ratio | 11.2975% | 5,858 |
| Total risk-based capital ratio | 12.5570% | 5,812 |
| Memoranda: | ||
| Average total assets | $212,614,000 | 3,075 |
| Average earning assets | $201,296,500 | 2,978 |
| Average equity | $18,257,500 | 3,442 |
| Average total loans | $154,415,500 | 2,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4459% | 4,457 |
| Cost of funding earning assets | 2.3799% | 1,361 |
| Net interest margin | 3.0660% | 6,479 |
| Noninterest income to average assets | 0.1676% | 6,880 |
| Noninterest expense to average assets | 3.0081% | 4,111 |
| Loan and lease loss provision to assets | 1.4639% | 1,577 |
| Net operating income to assets | -1.4090% | 6,817 |
| Return on assets (ROA) | -1.3676% | 6,800 |
| Pretax return on assets | -1.3676% | 6,633 |
| Return on Equity (ROE) | -13.9828% | 6,875 |
| Retained earnings to average equity (ytd only) | -13.9828% | 6,815 |
| Net charge-offs to loans | 0.9171% | 2,553 |
| Credit loss provision to net charge-offs | 209.6429% | 1,831 |
| Earnings coverage of net charge-offs (x) | 0.0786% | 6,081 |
| Efficiency ratio | 98.2088% | 1,199 |
| Assets per employee ($millions) | 4.7737% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2601% | 1,549 |
| Loan loss allowance to noncurrent loans | 55.2127% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 3.7536% | 1,773 |
| Noncurrent loans to loans | 4.0934% | 1,798 |
| Net loans and leases to total assets | 74.6432% | 2,109 |
| Net loans and leases to deposits | 101.4447% | 793 |
| Net loans and leases to core deposits | 137.2742% | 902 |
| Total domestic deposits to total assets | 73.5802% | 7,074 |
| Equity capital to assets | 8.8576% | 5,346 |
| Core capital (leverage) ratio | 8.9205% | 4,559 |
| Tier 1 risk-based capital ratio | 11.6190% | 5,278 |
| Total risk-based capital ratio | 12.8818% | 5,218 |
| Memoranda: | ||
| Average total assets | $200,490,600 | 3,177 |
| Average earning assets | $189,335,200 | 3,101 |
| Average equity | $19,609,800 | 3,265 |
| Average total loans | $152,658,800 | 2,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5736% | 4,014 |
| Cost of funding earning assets | 2.4971% | 1,314 |
| Net interest margin | 3.0765% | 6,375 |
| Noninterest income to average assets | 0.1846% | 6,905 |
| Noninterest expense to average assets | 2.9777% | 4,128 |
| Loan and lease loss provision to assets | 0.7091% | 2,605 |
| Net operating income to assets | -0.6001% | 6,525 |
| Return on assets (ROA) | -0.6309% | 6,558 |
| Pretax return on assets | -0.6309% | 6,428 |
| Return on Equity (ROE) | -6.2970% | 6,585 |
| Retained earnings to average equity (ytd only) | -6.2970% | 6,422 |
| Net charge-offs to loans | 0.8934% | 2,176 |
| Credit loss provision to net charge-offs | 104.3307% | 4,872 |
| Earnings coverage of net charge-offs (x) | 0.1604% | 5,860 |
| Efficiency ratio | 96.4673% | 1,252 |
| Assets per employee ($millions) | 4.7752% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 4,313 |
| Loan loss allowance to noncurrent loans | 33.7611% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 3.6324% | 1,813 |
| Noncurrent loans to loans | 3.9411% | 1,867 |
| Net loans and leases to total assets | 75.8727% | 2,017 |
| Net loans and leases to deposits | 105.5630% | 672 |
| Net loans and leases to core deposits | 138.0171% | 1,011 |
| Total domestic deposits to total assets | 71.8743% | 7,226 |
| Equity capital to assets | 10.0331% | 4,051 |
| Core capital (leverage) ratio | 9.8662% | 3,438 |
| Tier 1 risk-based capital ratio | 12.9078% | 4,263 |
| Total risk-based capital ratio | 14.1592% | 4,193 |
| Memoranda: | ||
| Average total assets | $199,295,750 | 3,211 |
| Average earning assets | $188,001,250 | 3,137 |
| Average equity | $19,966,750 | 3,235 |
| Average total loans | $151,632,750 | 2,918 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6198% | 3,968 |
| Cost of funding earning assets | 2.6046% | 1,272 |
| Net interest margin | 3.0152% | 6,505 |
| Noninterest income to average assets | 0.1649% | 7,101 |
| Noninterest expense to average assets | 3.0381% | 3,925 |
| Loan and lease loss provision to assets | 1.0318% | 1,643 |
| Net operating income to assets | -1.0690% | 7,030 |
| Return on assets (ROA) | -1.0690% | 7,030 |
| Pretax return on assets | -1.0690% | 6,864 |
| Return on Equity (ROE) | -10.6754% | 7,085 |
| Retained earnings to average equity (ytd only) | -10.6754% | 6,940 |
| Net charge-offs to loans | 1.2231% | 1,501 |
| Credit loss provision to net charge-offs | 111.2798% | 4,159 |
| Earnings coverage of net charge-offs (x) | -0.0401% | 5,735 |
| Efficiency ratio | 101.2399% | 1,117 |
| Assets per employee ($millions) | 4.8379% | 2,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,754 |
| Loan loss allowance to noncurrent loans | 54.4049% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.4463% | 2,638 |
| Noncurrent loans to loans | 2.5635% | 2,827 |
| Net loans and leases to total assets | 71.7797% | 3,283 |
| Net loans and leases to deposits | 98.2169% | 1,491 |
| Net loans and leases to core deposits | 130.2104% | 1,540 |
| Total domestic deposits to total assets | 73.0829% | 7,100 |
| Equity capital to assets | 9.4616% | 4,655 |
| Core capital (leverage) ratio | 9.8263% | 3,483 |
| Tier 1 risk-based capital ratio | 12.0575% | 4,868 |
| Total risk-based capital ratio | 13.3081% | 4,783 |
| Memoranda: | ||
| Average total assets | $198,875,330 | 3,241 |
| Average earning assets | $187,051,330 | 3,182 |
| Average equity | $19,915,000 | 3,256 |
| Average total loans | $150,770,330 | 2,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6053% | 4,323 |
| Cost of funding earning assets | 2.6477% | 1,420 |
| Net interest margin | 2.9575% | 6,593 |
| Noninterest income to average assets | 0.1791% | 7,019 |
| Noninterest expense to average assets | 3.2075% | 2,957 |
| Loan and lease loss provision to assets | 2.0813% | 570 |
| Net operating income to assets | -2.3387% | 7,731 |
| Return on assets (ROA) | -2.3387% | 7,732 |
| Pretax return on assets | -2.3387% | 7,625 |
| Return on Equity (ROE) | -22.6848% | 7,805 |
| Retained earnings to average equity (ytd only) | -22.6848% | 7,714 |
| Net charge-offs to loans | 2.4675% | 573 |
| Credit loss provision to net charge-offs | 108.9440% | 3,532 |
| Earnings coverage of net charge-offs (x) | -0.1347% | 5,102 |
| Efficiency ratio | 108.7230% | 843 |
| Assets per employee ($millions) | 4.8662% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,547 |
| Loan loss allowance to noncurrent loans | 180.5699% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 1.1854% | 4,301 |
| Noncurrent loans to loans | 0.7708% | 5,503 |
| Net loans and leases to total assets | 74.2547% | 2,693 |
| Net loans and leases to deposits | 102.9306% | 1,098 |
| Net loans and leases to core deposits | 143.0959% | 966 |
| Total domestic deposits to total assets | 72.1406% | 7,191 |
| Equity capital to assets | 9.7005% | 4,383 |
| Core capital (leverage) ratio | 10.1940% | 3,202 |
| Tier 1 risk-based capital ratio | 12.6677% | 4,422 |
| Total risk-based capital ratio | 13.9187% | 4,338 |
| Memoranda: | ||
| Average total assets | $194,297,500 | 3,305 |
| Average earning assets | $182,043,500 | 3,253 |
| Average equity | $20,031,000 | 3,256 |
| Average total loans | $150,437,500 | 3,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3073% | 3,926 |
| Cost of funding earning assets | 3.0285% | 1,763 |
| Net interest margin | 3.2788% | 6,108 |
| Noninterest income to average assets | 0.1870% | 7,107 |
| Noninterest expense to average assets | 2.6435% | 5,475 |
| Loan and lease loss provision to assets | 0.5225% | 2,723 |
| Net operating income to assets | 0.1125% | 6,074 |
| Return on assets (ROA) | 0.1125% | 5,913 |
| Pretax return on assets | 0.1125% | 5,916 |
| Return on Equity (ROE) | 0.9953% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.9953% | 4,629 |
| Net charge-offs to loans | 0.1741% | 4,458 |
| Credit loss provision to net charge-offs | 387.5000% | 1,144 |
| Earnings coverage of net charge-offs (x) | 4.7097% | 3,891 |
| Efficiency ratio | 80.6302% | 2,513 |
| Assets per employee ($millions) | 4.6117% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 3,577 |
| Loan loss allowance to noncurrent loans | 108.5405% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 3,577 |
| Noncurrent loans to loans | 1.2281% | 4,056 |
| Net loans and leases to total assets | 78.6052% | 1,978 |
| Net loans and leases to deposits | 112.4081% | 682 |
| Net loans and leases to core deposits | 150.1652% | 848 |
| Total domestic deposits to total assets | 69.9284% | 7,285 |
| Equity capital to assets | 10.9520% | 3,080 |
| Core capital (leverage) ratio | 11.0739% | 2,534 |
| Tier 1 risk-based capital ratio | 13.7113% | 3,687 |
| Total risk-based capital ratio | 14.9623% | 3,611 |
| Memoranda: | ||
| Average total assets | $183,919,800 | 3,356 |
| Average earning assets | $173,417,800 | 3,279 |
| Average equity | $20,796,800 | 3,121 |
| Average total loans | $142,458,200 | 3,050 |