Home > Builders Bank > Performance and Condition Ratios
Builders Bank, Performance and Condition Ratios
| 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 | 2.3734% | 5,751 |
| Cost of funding earning assets | 1.2911% | 35 |
| Net interest margin | 1.0823% | 5,832 |
| Noninterest income to average assets | -0.3810% | 5,849 |
| Noninterest expense to average assets | 11.5948% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -11.3634% | 5,853 |
| Return on assets (ROA) | -11.3634% | 5,853 |
| Pretax return on assets | -11.2001% | 5,853 |
| Return on Equity (ROE) | -19.1871% | 5,814 |
| Retained earnings to average equity (ytd only) | -19.1871% | 5,716 |
| Net charge-offs to loans | -1.7011% | 5,804 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,937.9310% | 2 |
| Assets per employee ($millions) | 3.4814% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8645% | 30 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 42.6840% | 1 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 42.6955% | 5,122 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,864 |
| Equity capital to assets | 97.6044% | 2 |
| Core capital (leverage) ratio | 70.2647% | 32 |
| Tier 1 risk-based capital ratio | 107.9553% | 37 |
| Total risk-based capital ratio | 109.2261% | 37 |
| Memoranda: | ||
| Average total assets | $29,392,500 | 5,672 |
| Average earning assets | $21,067,000 | 5,733 |
| Average equity | $17,407,500 | 3,495 |
| Average total loans | $8,230,000 | 5,748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 4,627 |
| Cost of funding earning assets | 0.8790% | 329 |
| Net interest margin | 2.6763% | 5,447 |
| Noninterest income to average assets | 0.7569% | 1,932 |
| Noninterest expense to average assets | 3.7322% | 845 |
| Loan and lease loss provision to assets | -1.4623% | 5,908 |
| Net operating income to assets | 0.5758% | 4,318 |
| Return on assets (ROA) | 0.2122% | 5,458 |
| Pretax return on assets | 0.2304% | 5,457 |
| Return on Equity (ROE) | 1.2060% | 5,531 |
| Retained earnings to average equity (ytd only) | 1.2060% | 4,804 |
| Net charge-offs to loans | -0.1161% | 5,629 |
| Credit loss provision to net charge-offs | 2,730.1887% | 150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9005% | 62 |
| Assets per employee ($millions) | 4.5976% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9971% | 44 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 17.9564% | 8 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 19.6650% | 5,806 |
| Net loans and leases to deposits | 35.3445% | 5,656 |
| Net loans and leases to core deposits | 35.7325% | 5,676 |
| Total domestic deposits to total assets | 55.6383% | 5,852 |
| Equity capital to assets | 43.0784% | 43 |
| Core capital (leverage) ratio | 29.8271% | 64 |
| Tier 1 risk-based capital ratio | 89.3797% | 44 |
| Total risk-based capital ratio | 90.6383% | 43 |
| Memoranda: | ||
| Average total assets | $98,951,000 | 4,366 |
| Average earning assets | $79,063,400 | 4,607 |
| Average equity | $17,413,400 | 3,496 |
| Average total loans | $45,665,600 | 4,693 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 4,305 |
| Cost of funding earning assets | 0.8738% | 334 |
| Net interest margin | 2.8096% | 5,345 |
| Noninterest income to average assets | 0.8811% | 1,469 |
| Noninterest expense to average assets | 3.0408% | 2,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0659% | 5,663 |
| Return on assets (ROA) | -0.3941% | 5,849 |
| Pretax return on assets | -0.3729% | 5,832 |
| Return on Equity (ROE) | -2.5803% | 5,826 |
| Retained earnings to average equity (ytd only) | -2.5803% | 5,633 |
| Net charge-offs to loans | -0.1286% | 5,655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2170% | 281 |
| Assets per employee ($millions) | 8.2520% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6522% | 16 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.0030% | 37 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.4271% | 5,570 |
| Net loans and leases to deposits | 46.5303% | 5,436 |
| Net loans and leases to core deposits | 47.4405% | 5,468 |
| Total domestic deposits to total assets | 76.1378% | 5,221 |
| Equity capital to assets | 23.2671% | 130 |
| Core capital (leverage) ratio | 20.1669% | 196 |
| Tier 1 risk-based capital ratio | 43.3180% | 191 |
| Total risk-based capital ratio | 44.6091% | 189 |
| Memoranda: | ||
| Average total assets | $113,344,250 | 4,137 |
| Average earning assets | $90,640,250 | 4,401 |
| Average equity | $17,310,500 | 3,540 |
| Average total loans | $54,940,750 | 4,467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 3,688 |
| Cost of funding earning assets | 0.9071% | 281 |
| Net interest margin | 2.9657% | 5,141 |
| Noninterest income to average assets | 0.3102% | 4,557 |
| Noninterest expense to average assets | 3.0656% | 2,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4606% | 5,914 |
| Return on assets (ROA) | -0.4606% | 5,920 |
| Pretax return on assets | -0.4321% | 5,911 |
| Return on Equity (ROE) | -3.3601% | 5,907 |
| Retained earnings to average equity (ytd only) | -3.3601% | 5,660 |
| Net charge-offs to loans | -0.1660% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4063% | 107 |
| Assets per employee ($millions) | 10.0323% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8706% | 91 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 15.6684% | 16 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.4171% | 5,104 |
| Net loans and leases to deposits | 56.3329% | 4,990 |
| Net loans and leases to core deposits | 57.4774% | 5,097 |
| Total domestic deposits to total assets | 82.3979% | 3,876 |
| Equity capital to assets | 17.1038% | 420 |
| Core capital (leverage) ratio | 15.1745% | 578 |
| Tier 1 risk-based capital ratio | 24.1486% | 889 |
| Total risk-based capital ratio | 25.4143% | 874 |
| Memoranda: | ||
| Average total assets | $126,369,670 | 3,939 |
| Average earning assets | $98,997,670 | 4,288 |
| Average equity | $17,320,670 | 3,538 |
| Average total loans | $63,859,000 | 4,240 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9672% | 3,343 |
| Cost of funding earning assets | 0.9359% | 241 |
| Net interest margin | 3.0313% | 5,042 |
| Noninterest income to average assets | 0.5337% | 2,906 |
| Noninterest expense to average assets | 2.9098% | 2,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0947% | 5,844 |
| Return on assets (ROA) | -0.0947% | 5,861 |
| Pretax return on assets | -0.0430% | 5,837 |
| Return on Equity (ROE) | -0.7586% | 5,860 |
| Retained earnings to average equity (ytd only) | -0.7586% | 5,246 |
| Net charge-offs to loans | 0.1733% | 1,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.4839% | 2,999 |
| Efficiency ratio | 101.5015% | 256 |
| Assets per employee ($millions) | 11.8323% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7322% | 300 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 20.0484% | 4 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 48.9885% | 4,891 |
| Net loans and leases to deposits | 56.7951% | 4,933 |
| Net loans and leases to core deposits | 58.7172% | 5,011 |
| Total domestic deposits to total assets | 86.2548% | 2,567 |
| Equity capital to assets | 13.3579% | 1,242 |
| Core capital (leverage) ratio | 12.3267% | 1,421 |
| Tier 1 risk-based capital ratio | 16.8895% | 2,326 |
| Total risk-based capital ratio | 18.1451% | 2,272 |
| Memoranda: | ||
| Average total assets | $139,393,000 | 3,761 |
| Average earning assets | $107,280,500 | 4,144 |
| Average equity | $17,401,500 | 3,527 |
| Average total loans | $71,567,500 | 4,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9113% | 3,665 |
| Cost of funding earning assets | 0.9035% | 284 |
| Net interest margin | 3.0078% | 5,122 |
| Noninterest income to average assets | 0.2627% | 5,008 |
| Noninterest expense to average assets | 3.4984% | 1,290 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.8345% | 6,091 |
| Return on assets (ROA) | -0.8340% | 6,091 |
| Pretax return on assets | -0.8290% | 6,083 |
| Return on Equity (ROE) | -8.3001% | 6,087 |
| Retained earnings to average equity (ytd only) | -8.3001% | 6,005 |
| Net charge-offs to loans | 0.2818% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.4152% | 4,406 |
| Efficiency ratio | 131.0816% | 67 |
| Assets per employee ($millions) | 11.4332% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3485% | 486 |
| Loan loss allowance to noncurrent loans | 788.7446% | 730 |
| Noncurrent assets plus other real estate owned to assets | 19.6547% | 5 |
| Noncurrent loans to loans | 0.2977% | 4,389 |
| Net loans and leases to total assets | 50.9725% | 4,778 |
| Net loans and leases to deposits | 58.6994% | 4,871 |
| Net loans and leases to core deposits | 61.7645% | 4,888 |
| Total domestic deposits to total assets | 86.8365% | 2,222 |
| Equity capital to assets | 11.7183% | 2,181 |
| Core capital (leverage) ratio | 11.2123% | 2,204 |
| Tier 1 risk-based capital ratio | 14.3174% | 3,539 |
| Total risk-based capital ratio | 15.5699% | 3,452 |
| Memoranda: | ||
| Average total assets | $180,825,600 | 3,154 |
| Average earning assets | $144,658,400 | 3,477 |
| Average equity | $18,168,400 | 3,360 |
| Average total loans | $98,286,600 | 3,414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,551 |
| Cost of funding earning assets | 0.9065% | 278 |
| Net interest margin | 2.7519% | 5,661 |
| Noninterest income to average assets | 0.0395% | 6,127 |
| Noninterest expense to average assets | 3.2013% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.9516% | 6,189 |
| Return on assets (ROA) | -0.9509% | 6,187 |
| Pretax return on assets | -0.9452% | 6,182 |
| Return on Equity (ROE) | -9.7839% | 6,179 |
| Retained earnings to average equity (ytd only) | -9.7839% | 6,122 |
| Net charge-offs to loans | 0.3570% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.8376% | 4,127 |
| Efficiency ratio | 141.9405% | 49 |
| Assets per employee ($millions) | 9.2108% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1288% | 730 |
| Loan loss allowance to noncurrent loans | 788.7446% | 713 |
| Noncurrent assets plus other real estate owned to assets | 18.6803% | 9 |
| Noncurrent loans to loans | 0.2699% | 4,613 |
| Net loans and leases to total assets | 50.5244% | 4,889 |
| Net loans and leases to deposits | 56.9452% | 5,076 |
| Net loans and leases to core deposits | 59.1441% | 5,124 |
| Total domestic deposits to total assets | 88.7246% | 1,163 |
| Equity capital to assets | 10.6415% | 3,425 |
| Core capital (leverage) ratio | 9.9753% | 3,666 |
| Tier 1 risk-based capital ratio | 12.8683% | 4,512 |
| Total risk-based capital ratio | 14.1185% | 4,428 |
| Memoranda: | ||
| Average total assets | $188,874,250 | 3,091 |
| Average earning assets | $152,087,750 | 3,395 |
| Average equity | $18,356,250 | 3,362 |
| Average total loans | $103,462,500 | 3,356 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6344% | 4,623 |
| Cost of funding earning assets | 0.8892% | 305 |
| Net interest margin | 2.7453% | 5,713 |
| Noninterest income to average assets | 0.0600% | 6,142 |
| Noninterest expense to average assets | 2.9252% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6451% | 6,216 |
| Return on assets (ROA) | -0.6441% | 6,222 |
| Pretax return on assets | -0.6369% | 6,205 |
| Return on Equity (ROE) | -6.8086% | 6,217 |
| Retained earnings to average equity (ytd only) | -6.8086% | 6,080 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8915% | 83 |
| Assets per employee ($millions) | 9.5655% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 943 |
| Loan loss allowance to noncurrent loans | 139.8401% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 16.6390% | 16 |
| Noncurrent loans to loans | 1.4509% | 1,838 |
| Net loans and leases to total assets | 52.9795% | 4,663 |
| Net loans and leases to deposits | 58.9541% | 4,936 |
| Net loans and leases to core deposits | 60.8878% | 5,018 |
| Total domestic deposits to total assets | 89.8657% | 719 |
| Equity capital to assets | 9.5860% | 4,549 |
| Core capital (leverage) ratio | 9.5798% | 4,163 |
| Tier 1 risk-based capital ratio | 11.8036% | 5,275 |
| Total risk-based capital ratio | 13.0542% | 5,182 |
| Memoranda: | ||
| Average total assets | $196,567,330 | 3,026 |
| Average earning assets | $159,474,330 | 3,306 |
| Average equity | $18,594,000 | 3,348 |
| Average total loans | $109,420,330 | 3,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5484% | 4,836 |
| Cost of funding earning assets | 0.8747% | 324 |
| Net interest margin | 2.6737% | 5,838 |
| Noninterest income to average assets | 0.0201% | 6,293 |
| Noninterest expense to average assets | 2.9458% | 2,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7731% | 6,293 |
| Return on assets (ROA) | -0.7731% | 6,298 |
| Pretax return on assets | -0.7591% | 6,284 |
| Return on Equity (ROE) | -8.2258% | 6,305 |
| Retained earnings to average equity (ytd only) | -8.2258% | 6,086 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.7107% | 70 |
| Assets per employee ($millions) | 8.8232% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 1,158 |
| Loan loss allowance to noncurrent loans | 69.9434% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 18.2371% | 12 |
| Noncurrent loans to loans | 2.8036% | 822 |
| Net loans and leases to total assets | 54.0637% | 4,439 |
| Net loans and leases to deposits | 60.1896% | 4,734 |
| Net loans and leases to core deposits | 62.3269% | 4,820 |
| Total domestic deposits to total assets | 89.8223% | 829 |
| Equity capital to assets | 9.5678% | 4,672 |
| Core capital (leverage) ratio | 9.4066% | 4,418 |
| Tier 1 risk-based capital ratio | 11.4451% | 5,587 |
| Total risk-based capital ratio | 12.6955% | 5,498 |
| Memoranda: | ||
| Average total assets | $199,196,000 | 3,020 |
| Average earning assets | $161,426,000 | 3,302 |
| Average equity | $18,721,500 | 3,366 |
| Average total loans | $112,403,500 | 3,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 2,057 |
| Cost of funding earning assets | 0.8273% | 565 |
| Net interest margin | 3.6253% | 3,314 |
| Noninterest income to average assets | 0.0558% | 6,275 |
| Noninterest expense to average assets | 3.2418% | 2,094 |
| Loan and lease loss provision to assets | -0.9455% | 6,486 |
| Net operating income to assets | 0.6953% | 3,915 |
| Return on assets (ROA) | 0.6953% | 4,035 |
| Pretax return on assets | 0.6980% | 4,635 |
| Return on Equity (ROE) | 8.3236% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.3236% | 900 |
| Net charge-offs to loans | -0.0607% | 5,994 |
| Credit loss provision to net charge-offs | 3,039.7059% | 101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.2646% | 243 |
| Assets per employee ($millions) | 8.8818% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 1,571 |
| Loan loss allowance to noncurrent loans | 76.9146% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 16.7636% | 24 |
| Noncurrent loans to loans | 2.3173% | 1,124 |
| Net loans and leases to total assets | 56.6207% | 4,246 |
| Net loans and leases to deposits | 67.9030% | 4,136 |
| Net loans and leases to core deposits | 70.0242% | 4,326 |
| Total domestic deposits to total assets | 83.3847% | 3,948 |
| Equity capital to assets | 9.2377% | 5,026 |
| Core capital (leverage) ratio | 9.1821% | 4,707 |
| Tier 1 risk-based capital ratio | 11.1603% | 5,837 |
| Total risk-based capital ratio | 12.3853% | 5,788 |
| Memoranda: | ||
| Average total assets | $218,612,000 | 2,796 |
| Average earning assets | $177,199,400 | 3,076 |
| Average equity | $18,261,400 | 3,372 |
| Average total loans | $112,028,000 | 3,178 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 1,483 |
| Cost of funding earning assets | 0.8236% | 615 |
| Net interest margin | 3.8093% | 2,581 |
| Noninterest income to average assets | 0.5227% | 3,387 |
| Noninterest expense to average assets | 3.0369% | 2,684 |
| Loan and lease loss provision to assets | -1.2403% | 6,578 |
| Net operating income to assets | 1.8032% | 512 |
| Return on assets (ROA) | 1.8032% | 523 |
| Pretax return on assets | 1.8068% | 883 |
| Return on Equity (ROE) | 22.1247% | 184 |
| Retained earnings to average equity (ytd only) | 22.1247% | 50 |
| Net charge-offs to loans | -0.0036% | 5,250 |
| Credit loss provision to net charge-offs | 68,900.0000% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2798% | 1,357 |
| Assets per employee ($millions) | 9.3421% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8025% | 1,688 |
| Loan loss allowance to noncurrent loans | 79.0517% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 17.5315% | 17 |
| Noncurrent loans to loans | 2.2801% | 1,312 |
| Net loans and leases to total assets | 53.9160% | 4,585 |
| Net loans and leases to deposits | 61.9290% | 4,746 |
| Net loans and leases to core deposits | 63.6730% | 4,908 |
| Total domestic deposits to total assets | 87.0611% | 2,287 |
| Equity capital to assets | 9.8975% | 4,304 |
| Core capital (leverage) ratio | 9.6240% | 4,201 |
| Tier 1 risk-based capital ratio | 14.8609% | 3,672 |
| Total risk-based capital ratio | 16.1135% | 3,605 |
| Memoranda: | ||
| Average total assets | $222,194,500 | 2,778 |
| Average earning assets | $179,698,250 | 3,064 |
| Average equity | $18,109,000 | 3,405 |
| Average total loans | $110,593,750 | 3,224 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 884 |
| Cost of funding earning assets | 0.8138% | 659 |
| Net interest margin | 4.1028% | 1,504 |
| Noninterest income to average assets | 0.0834% | 6,338 |
| Noninterest expense to average assets | 3.4389% | 1,593 |
| Loan and lease loss provision to assets | -1.0977% | 6,636 |
| Net operating income to assets | 0.6595% | 4,047 |
| Return on assets (ROA) | 0.6595% | 4,146 |
| Pretax return on assets | 1.0538% | 3,264 |
| Return on Equity (ROE) | 8.6497% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.6497% | 1,096 |
| Net charge-offs to loans | -0.0055% | 5,191 |
| Credit loss provision to net charge-offs | 41,666.6667% | 3 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2933% | 372 |
| Assets per employee ($millions) | 8.1071% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4902% | 722 |
| Loan loss allowance to noncurrent loans | 130.3612% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 18.5581% | 15 |
| Noncurrent loans to loans | 1.9102% | 1,788 |
| Net loans and leases to total assets | 51.0021% | 4,860 |
| Net loans and leases to deposits | 58.8751% | 4,967 |
| Net loans and leases to core deposits | 60.4346% | 5,109 |
| Total domestic deposits to total assets | 86.6276% | 2,682 |
| Equity capital to assets | 8.2840% | 5,960 |
| Core capital (leverage) ratio | 8.3683% | 5,777 |
| Tier 1 risk-based capital ratio | 13.0028% | 4,910 |
| Total risk-based capital ratio | 14.2625% | 4,835 |
| Memoranda: | ||
| Average total assets | $227,750,330 | 2,752 |
| Average earning assets | $183,825,670 | 3,032 |
| Average equity | $17,364,670 | 3,486 |
| Average total loans | $109,843,000 | 3,250 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3061% | 5,830 |
| Cost of funding earning assets | 0.8063% | 728 |
| Net interest margin | 2.4998% | 6,337 |
| Noninterest income to average assets | -0.0327% | 6,644 |
| Noninterest expense to average assets | 3.4439% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.4627% | 6,629 |
| Return on assets (ROA) | -1.4627% | 6,623 |
| Pretax return on assets | -1.4523% | 6,608 |
| Return on Equity (ROE) | -19.9994% | 6,628 |
| Retained earnings to average equity (ytd only) | -19.9994% | 6,530 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 172.9239% | 41 |
| Assets per employee ($millions) | 7.4056% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7340% | 225 |
| Loan loss allowance to noncurrent loans | 94.1636% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 19.2035% | 20 |
| Noncurrent loans to loans | 3.9654% | 684 |
| Net loans and leases to total assets | 47.5541% | 5,177 |
| Net loans and leases to deposits | 53.8720% | 5,300 |
| Net loans and leases to core deposits | 55.3562% | 5,408 |
| Total domestic deposits to total assets | 88.2724% | 2,070 |
| Equity capital to assets | 7.4948% | 6,317 |
| Core capital (leverage) ratio | 7.3580% | 6,383 |
| Tier 1 risk-based capital ratio | 12.3992% | 5,368 |
| Total risk-based capital ratio | 13.6714% | 5,296 |
| Memoranda: | ||
| Average total assets | $232,180,000 | 2,723 |
| Average earning assets | $188,017,500 | 2,994 |
| Average equity | $16,980,500 | 3,554 |
| Average total loans | $107,519,500 | 3,311 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 4,928 |
| Cost of funding earning assets | 0.8898% | 783 |
| Net interest margin | 2.8749% | 5,841 |
| Noninterest income to average assets | -0.1792% | 6,748 |
| Noninterest expense to average assets | 3.2993% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.2269% | 6,641 |
| Return on assets (ROA) | -1.1941% | 6,636 |
| Pretax return on assets | -1.0895% | 6,609 |
| Return on Equity (ROE) | -16.4275% | 6,661 |
| Retained earnings to average equity (ytd only) | -16.4275% | 6,639 |
| Net charge-offs to loans | 0.5304% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -5.0850% | 5,394 |
| Efficiency ratio | 151.5573% | 63 |
| Assets per employee ($millions) | 7.1233% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8921% | 216 |
| Loan loss allowance to noncurrent loans | 94.9050% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 17.5865% | 27 |
| Noncurrent loans to loans | 4.1010% | 697 |
| Net loans and leases to total assets | 41.7821% | 5,838 |
| Net loans and leases to deposits | 46.2842% | 5,988 |
| Net loans and leases to core deposits | 47.4372% | 6,067 |
| Total domestic deposits to total assets | 90.2730% | 931 |
| Equity capital to assets | 7.1472% | 6,419 |
| Core capital (leverage) ratio | 6.7998% | 6,560 |
| Tier 1 risk-based capital ratio | 13.4286% | 4,699 |
| Total risk-based capital ratio | 14.7019% | 4,621 |
| Memoranda: | ||
| Average total assets | $277,274,400 | 2,292 |
| Average earning assets | $227,246,000 | 2,544 |
| Average equity | $20,155,200 | 3,139 |
| Average total loans | $115,393,800 | 3,140 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,495 |
| Cost of funding earning assets | 0.8898% | 859 |
| Net interest margin | 3.0125% | 5,561 |
| Noninterest income to average assets | 0.0984% | 6,484 |
| Noninterest expense to average assets | 3.0307% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.4610% | 6,583 |
| Return on assets (ROA) | -0.4204% | 6,581 |
| Pretax return on assets | -0.4204% | 6,566 |
| Return on Equity (ROE) | -5.7635% | 6,613 |
| Retained earnings to average equity (ytd only) | -5.7635% | 6,523 |
| Net charge-offs to loans | 0.6920% | 869 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.6160% | 5,056 |
| Efficiency ratio | 117.9394% | 189 |
| Assets per employee ($millions) | 7.5106% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9671% | 246 |
| Loan loss allowance to noncurrent loans | 68.8392% | 4,461 |
| Noncurrent assets plus other real estate owned to assets | 20.9241% | 15 |
| Noncurrent loans to loans | 5.7628% | 457 |
| Net loans and leases to total assets | 36.6896% | 6,246 |
| Net loans and leases to deposits | 40.4830% | 6,369 |
| Net loans and leases to core deposits | 41.4222% | 6,404 |
| Total domestic deposits to total assets | 90.6296% | 692 |
| Equity capital to assets | 7.2035% | 6,492 |
| Core capital (leverage) ratio | 7.2535% | 6,526 |
| Tier 1 risk-based capital ratio | 14.4597% | 4,100 |
| Total risk-based capital ratio | 15.7310% | 4,035 |
| Memoranda: | ||
| Average total assets | $286,045,000 | 2,243 |
| Average earning assets | $234,663,250 | 2,486 |
| Average equity | $20,866,500 | 3,087 |
| Average total loans | $117,919,500 | 3,099 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 3,766 |
| Cost of funding earning assets | 0.8832% | 973 |
| Net interest margin | 3.2082% | 4,919 |
| Noninterest income to average assets | 0.2273% | 5,819 |
| Noninterest expense to average assets | 3.0021% | 2,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1160% | 6,416 |
| Return on assets (ROA) | -0.0659% | 6,419 |
| Pretax return on assets | -0.0659% | 6,409 |
| Return on Equity (ROE) | -0.9002% | 6,448 |
| Retained earnings to average equity (ytd only) | -0.9002% | 6,031 |
| Net charge-offs to loans | 0.1140% | 3,221 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -2.4143% | 4,780 |
| Efficiency ratio | 104.0209% | 382 |
| Assets per employee ($millions) | 7.4297% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0892% | 237 |
| Loan loss allowance to noncurrent loans | 35.1249% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 21.0994% | 17 |
| Noncurrent loans to loans | 11.6418% | 95 |
| Net loans and leases to total assets | 38.5471% | 6,139 |
| Net loans and leases to deposits | 42.6761% | 6,297 |
| Net loans and leases to core deposits | 43.6689% | 6,346 |
| Total domestic deposits to total assets | 90.3248% | 845 |
| Equity capital to assets | 7.4742% | 6,450 |
| Core capital (leverage) ratio | 7.2572% | 6,545 |
| Tier 1 risk-based capital ratio | 14.4742% | 4,120 |
| Total risk-based capital ratio | 15.7487% | 4,063 |
| Memoranda: | ||
| Average total assets | $291,266,000 | 2,214 |
| Average earning assets | $241,385,000 | 2,438 |
| Average equity | $21,329,670 | 3,059 |
| Average total loans | $122,792,670 | 3,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 6,231 |
| Cost of funding earning assets | 0.8786% | 1,091 |
| Net interest margin | 2.3764% | 6,620 |
| Noninterest income to average assets | 0.8210% | 2,040 |
| Noninterest expense to average assets | 2.9418% | 3,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1380% | 6,476 |
| Return on assets (ROA) | -0.1217% | 6,510 |
| Pretax return on assets | -0.1217% | 6,500 |
| Return on Equity (ROE) | -1.6788% | 6,543 |
| Retained earnings to average equity (ytd only) | -1.6788% | 6,041 |
| Net charge-offs to loans | 0.3264% | 1,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.9808% | 3,964 |
| Efficiency ratio | 104.9204% | 421 |
| Assets per employee ($millions) | 7.7491% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6720% | 368 |
| Loan loss allowance to noncurrent loans | 34.8411% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 20.2845% | 25 |
| Noncurrent loans to loans | 10.5393% | 189 |
| Net loans and leases to total assets | 41.0333% | 5,919 |
| Net loans and leases to deposits | 45.3022% | 6,102 |
| Net loans and leases to core deposits | 46.4011% | 6,194 |
| Total domestic deposits to total assets | 90.5768% | 728 |
| Equity capital to assets | 7.2640% | 6,659 |
| Core capital (leverage) ratio | 7.0426% | 6,631 |
| Tier 1 risk-based capital ratio | 13.7633% | 4,685 |
| Total risk-based capital ratio | 15.0356% | 4,625 |
| Memoranda: | ||
| Average total assets | $295,734,000 | 2,217 |
| Average earning assets | $246,764,000 | 2,405 |
| Average equity | $21,443,500 | 3,087 |
| Average total loans | $127,454,000 | 2,941 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 5,857 |
| Cost of funding earning assets | 1.0317% | 1,199 |
| Net interest margin | 2.7550% | 6,439 |
| Noninterest income to average assets | 0.9628% | 1,654 |
| Noninterest expense to average assets | 3.1398% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0472% | 6,236 |
| Return on assets (ROA) | 0.0714% | 6,203 |
| Pretax return on assets | 0.2591% | 5,901 |
| Return on Equity (ROE) | 0.9924% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.9924% | 5,382 |
| Net charge-offs to loans | -0.5443% | 7,007 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7057% | 639 |
| Assets per employee ($millions) | 7.4251% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6378% | 383 |
| Loan loss allowance to noncurrent loans | 25.9333% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 19.8117% | 26 |
| Noncurrent loans to loans | 14.0276% | 99 |
| Net loans and leases to total assets | 42.0075% | 6,007 |
| Net loans and leases to deposits | 46.3281% | 6,232 |
| Net loans and leases to core deposits | 47.5032% | 6,298 |
| Total domestic deposits to total assets | 90.6738% | 622 |
| Equity capital to assets | 7.2380% | 6,708 |
| Core capital (leverage) ratio | 7.0217% | 6,694 |
| Tier 1 risk-based capital ratio | 14.1637% | 4,269 |
| Total risk-based capital ratio | 15.4377% | 4,212 |
| Memoranda: | ||
| Average total assets | $298,392,000 | 2,149 |
| Average earning assets | $243,771,800 | 2,380 |
| Average equity | $21,464,200 | 3,044 |
| Average total loans | $132,276,600 | 2,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 5,999 |
| Cost of funding earning assets | 1.0642% | 1,219 |
| Net interest margin | 2.7478% | 6,580 |
| Noninterest income to average assets | 1.3429% | 823 |
| Noninterest expense to average assets | 3.0960% | 2,905 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3038% | 5,603 |
| Return on assets (ROA) | 0.4552% | 5,259 |
| Pretax return on assets | 0.7052% | 4,845 |
| Return on Equity (ROE) | 6.3384% | 4,148 |
| Retained earnings to average equity (ytd only) | 6.3384% | 2,464 |
| Net charge-offs to loans | -0.1534% | 6,943 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7667% | 1,321 |
| Assets per employee ($millions) | 7.4664% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3694% | 523 |
| Loan loss allowance to noncurrent loans | 18.7297% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 21.5812% | 25 |
| Noncurrent loans to loans | 17.9897% | 61 |
| Net loans and leases to total assets | 39.7838% | 6,301 |
| Net loans and leases to deposits | 43.9745% | 6,502 |
| Net loans and leases to core deposits | 45.3695% | 6,544 |
| Total domestic deposits to total assets | 90.4702% | 608 |
| Equity capital to assets | 7.4350% | 6,784 |
| Core capital (leverage) ratio | 7.2753% | 6,725 |
| Tier 1 risk-based capital ratio | 14.9402% | 3,891 |
| Total risk-based capital ratio | 16.2099% | 3,829 |
| Memoranda: | ||
| Average total assets | $298,739,500 | 2,169 |
| Average earning assets | $241,933,000 | 2,425 |
| Average equity | $21,456,000 | 3,069 |
| Average total loans | $132,977,500 | 2,852 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9644% | 5,748 |
| Cost of funding earning assets | 1.1008% | 1,218 |
| Net interest margin | 2.8637% | 6,472 |
| Noninterest income to average assets | 1.7191% | 514 |
| Noninterest expense to average assets | 3.0860% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6525% | 4,097 |
| Return on assets (ROA) | 0.9077% | 3,144 |
| Pretax return on assets | 1.2826% | 2,623 |
| Return on Equity (ROE) | 12.7886% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.7886% | 463 |
| Net charge-offs to loans | 0.0381% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 53.0385% | 694 |
| Efficiency ratio | 76.9745% | 2,595 |
| Assets per employee ($millions) | 7.6731% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0951% | 717 |
| Loan loss allowance to noncurrent loans | 14.4313% | 6,649 |
| Noncurrent assets plus other real estate owned to assets | 26.1143% | 9 |
| Noncurrent loans to loans | 21.4470% | 39 |
| Net loans and leases to total assets | 41.4737% | 6,234 |
| Net loans and leases to deposits | 45.7623% | 6,453 |
| Net loans and leases to core deposits | 47.2073% | 6,502 |
| Total domestic deposits to total assets | 90.6286% | 600 |
| Equity capital to assets | 7.3577% | 6,833 |
| Core capital (leverage) ratio | 7.2330% | 6,747 |
| Tier 1 risk-based capital ratio | 13.7478% | 4,624 |
| Total risk-based capital ratio | 15.0129% | 4,591 |
| Memoranda: | ||
| Average total assets | $298,768,000 | 2,164 |
| Average earning assets | $238,924,670 | 2,439 |
| Average equity | $21,206,330 | 3,091 |
| Average total loans | $136,317,000 | 2,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 6,194 |
| Cost of funding earning assets | 1.1243% | 1,277 |
| Net interest margin | 2.7027% | 6,767 |
| Noninterest income to average assets | 2.0273% | 400 |
| Noninterest expense to average assets | 3.1716% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2506% | 5,820 |
| Return on assets (ROA) | 0.2506% | 5,972 |
| Pretax return on assets | 1.0009% | 3,670 |
| Return on Equity (ROE) | 3.5961% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.5961% | 4,418 |
| Net charge-offs to loans | 0.0883% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 24.0968% | 1,067 |
| Efficiency ratio | 76.0116% | 2,787 |
| Assets per employee ($millions) | 7.5490% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8963% | 915 |
| Loan loss allowance to noncurrent loans | 14.5744% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 26.2744% | 13 |
| Noncurrent loans to loans | 19.8721% | 50 |
| Net loans and leases to total assets | 43.9580% | 6,016 |
| Net loans and leases to deposits | 48.2639% | 6,275 |
| Net loans and leases to core deposits | 49.8796% | 6,355 |
| Total domestic deposits to total assets | 91.0783% | 517 |
| Equity capital to assets | 6.9579% | 6,940 |
| Core capital (leverage) ratio | 7.0415% | 6,827 |
| Tier 1 risk-based capital ratio | 12.5477% | 5,567 |
| Total risk-based capital ratio | 13.8116% | 5,521 |
| Memoranda: | ||
| Average total assets | $298,527,000 | 2,176 |
| Average earning assets | $236,945,500 | 2,475 |
| Average equity | $20,800,500 | 3,131 |
| Average total loans | $140,438,500 | 2,780 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 1,542 |
| Cost of funding earning assets | 1.3623% | 1,194 |
| Net interest margin | 3.9951% | 2,909 |
| Noninterest income to average assets | -0.7618% | 7,303 |
| Noninterest expense to average assets | 3.1291% | 3,099 |
| Loan and lease loss provision to assets | 0.1410% | 4,854 |
| Net operating income to assets | -0.9270% | 6,711 |
| Return on assets (ROA) | -0.9632% | 6,752 |
| Pretax return on assets | -0.9632% | 6,713 |
| Return on Equity (ROE) | -13.5807% | 6,853 |
| Retained earnings to average equity (ytd only) | -13.5807% | 6,828 |
| Net charge-offs to loans | 0.3717% | 3,546 |
| Credit loss provision to net charge-offs | 68.5484% | 4,904 |
| Earnings coverage of net charge-offs (x) | -3.8210% | 6,350 |
| Efficiency ratio | 133.5457% | 213 |
| Assets per employee ($millions) | 7.1974% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7673% | 1,014 |
| Loan loss allowance to noncurrent loans | 12.3706% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 30.4244% | 8 |
| Noncurrent loans to loans | 22.3702% | 35 |
| Net loans and leases to total assets | 47.5078% | 5,874 |
| Net loans and leases to deposits | 52.6315% | 6,161 |
| Net loans and leases to core deposits | 54.2778% | 6,281 |
| Total domestic deposits to total assets | 90.2648% | 843 |
| Equity capital to assets | 6.9778% | 6,971 |
| Core capital (leverage) ratio | 6.8809% | 6,903 |
| Tier 1 risk-based capital ratio | 11.2659% | 6,310 |
| Total risk-based capital ratio | 12.5272% | 6,277 |
| Memoranda: | ||
| Average total assets | $301,392,000 | 2,125 |
| Average earning assets | $234,239,800 | 2,454 |
| Average equity | $21,376,000 | 2,970 |
| Average total loans | $166,797,800 | 2,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 2,750 |
| Cost of funding earning assets | 1.3891% | 1,275 |
| Net interest margin | 3.6818% | 4,422 |
| Noninterest income to average assets | -0.9242% | 7,399 |
| Noninterest expense to average assets | 3.0498% | 3,351 |
| Loan and lease loss provision to assets | 0.1760% | 4,279 |
| Net operating income to assets | -1.2899% | 6,986 |
| Return on assets (ROA) | -1.3277% | 7,015 |
| Pretax return on assets | -1.3277% | 6,974 |
| Return on Equity (ROE) | -18.6470% | 7,077 |
| Retained earnings to average equity (ytd only) | -18.6470% | 7,060 |
| Net charge-offs to loans | 0.4415% | 2,957 |
| Credit loss provision to net charge-offs | 70.0525% | 4,481 |
| Earnings coverage of net charge-offs (x) | -4.4326% | 6,087 |
| Efficiency ratio | 157.5358% | 114 |
| Assets per employee ($millions) | 7.6133% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5662% | 1,310 |
| Loan loss allowance to noncurrent loans | 10.9546% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 33.6183% | 5 |
| Noncurrent loans to loans | 23.4254% | 33 |
| Net loans and leases to total assets | 50.0461% | 5,696 |
| Net loans and leases to deposits | 55.1954% | 6,106 |
| Net loans and leases to core deposits | 56.8020% | 6,242 |
| Total domestic deposits to total assets | 90.6709% | 567 |
| Equity capital to assets | 6.7405% | 7,099 |
| Core capital (leverage) ratio | 6.7821% | 7,013 |
| Tier 1 risk-based capital ratio | 10.0799% | 6,930 |
| Total risk-based capital ratio | 11.3389% | 6,920 |
| Memoranda: | ||
| Average total assets | $302,966,250 | 2,125 |
| Average earning assets | $235,350,500 | 2,459 |
| Average equity | $21,572,250 | 2,939 |
| Average total loans | $172,451,500 | 2,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3126% | 5,981 |
| Cost of funding earning assets | 1.4179% | 1,338 |
| Net interest margin | 2.8947% | 6,800 |
| Noninterest income to average assets | -0.1514% | 7,315 |
| Noninterest expense to average assets | 3.4010% | 2,256 |
| Loan and lease loss provision to assets | 0.1984% | 3,945 |
| Net operating income to assets | -1.4786% | 7,090 |
| Return on assets (ROA) | -1.5361% | 7,122 |
| Pretax return on assets | -1.5361% | 7,086 |
| Return on Equity (ROE) | -21.1946% | 7,162 |
| Retained earnings to average equity (ytd only) | -21.1946% | 7,148 |
| Net charge-offs to loans | 0.3487% | 3,157 |
| Credit loss provision to net charge-offs | 96.7742% | 3,255 |
| Earnings coverage of net charge-offs (x) | -6.2452% | 5,804 |
| Efficiency ratio | 160.3679% | 121 |
| Assets per employee ($millions) | 7.3528% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4682% | 1,499 |
| Loan loss allowance to noncurrent loans | 7.7998% | 6,972 |
| Noncurrent assets plus other real estate owned to assets | 36.5406% | 2 |
| Noncurrent loans to loans | 31.6438% | 10 |
| Net loans and leases to total assets | 54.7261% | 5,191 |
| Net loans and leases to deposits | 59.9245% | 5,731 |
| Net loans and leases to core deposits | 61.4971% | 5,941 |
| Total domestic deposits to total assets | 91.3250% | 387 |
| Equity capital to assets | 6.9580% | 7,110 |
| Core capital (leverage) ratio | 7.0777% | 6,964 |
| Tier 1 risk-based capital ratio | 10.7884% | 6,673 |
| Total risk-based capital ratio | 12.0492% | 6,635 |
| Memoranda: | ||
| Average total assets | $302,444,670 | 2,132 |
| Average earning assets | $237,398,670 | 2,453 |
| Average equity | $21,920,670 | 2,887 |
| Average total loans | $177,795,330 | 2,307 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 6,355 |
| Cost of funding earning assets | 1.5188% | 1,097 |
| Net interest margin | 2.6499% | 7,075 |
| Noninterest income to average assets | 0.2232% | 6,134 |
| Noninterest expense to average assets | 3.6113% | 1,747 |
| Loan and lease loss provision to assets | 0.3961% | 2,212 |
| Net operating income to assets | -1.6994% | 7,239 |
| Return on assets (ROA) | -1.6664% | 7,239 |
| Pretax return on assets | -1.6664% | 7,207 |
| Return on Equity (ROE) | -22.5428% | 7,249 |
| Retained earnings to average equity (ytd only) | -22.5428% | 7,200 |
| Net charge-offs to loans | -0.2570% | 7,309 |
| Credit loss provision to net charge-offs | -256.4103% | 5,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.4645% | 134 |
| Assets per employee ($millions) | 7.3097% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5270% | 1,425 |
| Loan loss allowance to noncurrent loans | 6.9252% | 7,037 |
| Noncurrent assets plus other real estate owned to assets | 37.4930% | 2 |
| Noncurrent loans to loans | 36.4906% | 7 |
| Net loans and leases to total assets | 59.2294% | 4,421 |
| Net loans and leases to deposits | 64.2481% | 5,219 |
| Net loans and leases to core deposits | 68.7509% | 5,198 |
| Total domestic deposits to total assets | 92.1884% | 246 |
| Equity capital to assets | 7.2440% | 6,996 |
| Core capital (leverage) ratio | 7.2924% | 6,863 |
| Tier 1 risk-based capital ratio | 10.6457% | 6,724 |
| Total risk-based capital ratio | 11.9075% | 6,705 |
| Memoranda: | ||
| Average total assets | $302,934,500 | 2,142 |
| Average earning assets | $238,346,000 | 2,462 |
| Average equity | $22,393,000 | 2,815 |
| Average total loans | $182,115,500 | 2,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 3,599 |
| Cost of funding earning assets | 2.0773% | 458 |
| Net interest margin | 3.1244% | 6,452 |
| Noninterest income to average assets | -0.1748% | 7,457 |
| Noninterest expense to average assets | 3.0335% | 3,719 |
| Loan and lease loss provision to assets | 1.1511% | 1,380 |
| Net operating income to assets | -2.3304% | 7,146 |
| Return on assets (ROA) | -1.9994% | 7,068 |
| Pretax return on assets | -1.4717% | 6,849 |
| Return on Equity (ROE) | -30.1692% | 7,233 |
| Retained earnings to average equity (ytd only) | -30.1692% | 7,220 |
| Net charge-offs to loans | 3.2256% | 484 |
| Credit loss provision to net charge-offs | 62.3068% | 6,046 |
| Earnings coverage of net charge-offs (x) | -0.3527% | 6,390 |
| Efficiency ratio | 127.3590% | 338 |
| Assets per employee ($millions) | 7.2898% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2979% | 1,698 |
| Loan loss allowance to noncurrent loans | 6.5682% | 7,115 |
| Noncurrent assets plus other real estate owned to assets | 39.2706% | 2 |
| Noncurrent loans to loans | 34.9855% | 6 |
| Net loans and leases to total assets | 58.1162% | 5,010 |
| Net loans and leases to deposits | 63.8918% | 5,640 |
| Net loans and leases to core deposits | 79.3557% | 4,299 |
| Total domestic deposits to total assets | 90.9603% | 614 |
| Equity capital to assets | 7.5369% | 6,862 |
| Core capital (leverage) ratio | 7.2412% | 6,887 |
| Tier 1 risk-based capital ratio | 10.7190% | 6,557 |
| Total risk-based capital ratio | 11.9777% | 6,517 |
| Memoranda: | ||
| Average total assets | $402,671,200 | 1,640 |
| Average earning assets | $329,506,400 | 1,811 |
| Average equity | $26,686,200 | 2,398 |
| Average total loans | $230,620,600 | 1,891 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3312% | 3,208 |
| Cost of funding earning assets | 2.1780% | 406 |
| Net interest margin | 3.1531% | 6,476 |
| Noninterest income to average assets | -0.1406% | 7,560 |
| Noninterest expense to average assets | 3.2358% | 2,794 |
| Loan and lease loss provision to assets | 1.3542% | 1,005 |
| Net operating income to assets | -2.7963% | 7,407 |
| Return on assets (ROA) | -2.2524% | 7,308 |
| Pretax return on assets | -1.5885% | 7,071 |
| Return on Equity (ROE) | -34.8442% | 7,450 |
| Retained earnings to average equity (ytd only) | -34.8442% | 7,446 |
| Net charge-offs to loans | 3.7465% | 345 |
| Credit loss provision to net charge-offs | 63.5537% | 5,605 |
| Earnings coverage of net charge-offs (x) | -0.3652% | 6,276 |
| Efficiency ratio | 131.6639% | 289 |
| Assets per employee ($millions) | 7.6766% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3230% | 1,589 |
| Loan loss allowance to noncurrent loans | 6.5348% | 7,219 |
| Noncurrent assets plus other real estate owned to assets | 35.9520% | 3 |
| Noncurrent loans to loans | 35.5489% | 10 |
| Net loans and leases to total assets | 56.0550% | 5,540 |
| Net loans and leases to deposits | 60.8355% | 6,239 |
| Net loans and leases to core deposits | 81.5609% | 4,306 |
| Total domestic deposits to total assets | 92.1420% | 172 |
| Equity capital to assets | 7.1078% | 7,304 |
| Core capital (leverage) ratio | 6.5011% | 7,335 |
| Tier 1 risk-based capital ratio | 9.8625% | 7,131 |
| Total risk-based capital ratio | 11.1194% | 7,123 |
| Memoranda: | ||
| Average total assets | $426,795,750 | 1,581 |
| Average earning assets | $351,684,250 | 1,728 |
| Average equity | $27,588,750 | 2,370 |
| Average total loans | $242,745,500 | 1,824 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 5,654 |
| Cost of funding earning assets | 2.2406% | 410 |
| Net interest margin | 2.5975% | 7,350 |
| Noninterest income to average assets | -0.5858% | 7,758 |
| Noninterest expense to average assets | 3.1126% | 3,253 |
| Loan and lease loss provision to assets | 0.0219% | 6,714 |
| Net operating income to assets | -2.4668% | 7,409 |
| Return on assets (ROA) | -2.2534% | 7,375 |
| Pretax return on assets | -1.3223% | 7,016 |
| Return on Equity (ROE) | -35.7372% | 7,496 |
| Retained earnings to average equity (ytd only) | -35.7372% | 7,486 |
| Net charge-offs to loans | 1.6931% | 1,104 |
| Credit loss provision to net charge-offs | 2.2800% | 5,996 |
| Earnings coverage of net charge-offs (x) | -1.5755% | 6,181 |
| Efficiency ratio | 194.6835% | 109 |
| Assets per employee ($millions) | 8.6629% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2444% | 1,682 |
| Loan loss allowance to noncurrent loans | 7.0888% | 7,294 |
| Noncurrent assets plus other real estate owned to assets | 30.0781% | 8 |
| Noncurrent loans to loans | 31.6615% | 14 |
| Net loans and leases to total assets | 50.7592% | 6,343 |
| Net loans and leases to deposits | 54.5665% | 6,823 |
| Net loans and leases to core deposits | 70.2932% | 5,843 |
| Total domestic deposits to total assets | 93.0227% | 112 |
| Equity capital to assets | 6.4062% | 7,480 |
| Core capital (leverage) ratio | 5.8468% | 7,502 |
| Tier 1 risk-based capital ratio | 10.3775% | 6,781 |
| Total risk-based capital ratio | 11.6356% | 6,766 |
| Memoranda: | ||
| Average total assets | $456,471,000 | 1,496 |
| Average earning assets | $383,906,670 | 1,612 |
| Average equity | $28,782,330 | 2,279 |
| Average total loans | $259,047,330 | 1,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 5,115 |
| Cost of funding earning assets | 2.2497% | 499 |
| Net interest margin | 2.7300% | 7,267 |
| Noninterest income to average assets | -0.2374% | 7,812 |
| Noninterest expense to average assets | 3.2014% | 2,859 |
| Loan and lease loss provision to assets | 0.4195% | 2,855 |
| Net operating income to assets | -2.5587% | 7,567 |
| Return on assets (ROA) | -2.0101% | 7,471 |
| Pretax return on assets | -1.0109% | 7,054 |
| Return on Equity (ROE) | -32.1024% | 7,597 |
| Retained earnings to average equity (ytd only) | -32.1024% | 7,575 |
| Net charge-offs to loans | 0.9322% | 1,723 |
| Credit loss provision to net charge-offs | 76.4526% | 3,964 |
| Earnings coverage of net charge-offs (x) | -2.0780% | 5,476 |
| Efficiency ratio | 155.3114% | 192 |
| Assets per employee ($millions) | 9.4715% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5530% | 1,230 |
| Loan loss allowance to noncurrent loans | 8.3708% | 7,357 |
| Noncurrent assets plus other real estate owned to assets | 28.2704% | 11 |
| Noncurrent loans to loans | 30.4986% | 21 |
| Net loans and leases to total assets | 56.2141% | 5,713 |
| Net loans and leases to deposits | 60.2163% | 6,446 |
| Net loans and leases to core deposits | 76.6131% | 5,177 |
| Total domestic deposits to total assets | 93.3536% | 99 |
| Equity capital to assets | 6.1400% | 7,601 |
| Core capital (leverage) ratio | 6.0592% | 7,572 |
| Tier 1 risk-based capital ratio | 9.4177% | 7,343 |
| Total risk-based capital ratio | 10.6795% | 7,337 |
| Memoranda: | ||
| Average total assets | $476,797,500 | 1,465 |
| Average earning assets | $401,471,000 | 1,586 |
| Average equity | $29,854,500 | 2,226 |
| Average total loans | $280,615,000 | 1,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 3,830 |
| Cost of funding earning assets | 2.9101% | 300 |
| Net interest margin | 2.6474% | 7,284 |
| Noninterest income to average assets | -0.8123% | 7,977 |
| Noninterest expense to average assets | 3.4675% | 2,461 |
| Loan and lease loss provision to assets | 3.0847% | 553 |
| Net operating income to assets | -4.7173% | 7,704 |
| Return on assets (ROA) | -4.6197% | 7,691 |
| Pretax return on assets | -4.8765% | 7,686 |
| Return on Equity (ROE) | -52.4686% | 7,703 |
| Retained earnings to average equity (ytd only) | -52.4686% | 7,697 |
| Net charge-offs to loans | 4.5413% | 317 |
| Credit loss provision to net charge-offs | 90.3611% | 5,987 |
| Earnings coverage of net charge-offs (x) | -0.5549% | 6,725 |
| Efficiency ratio | 220.4216% | 114 |
| Assets per employee ($millions) | 9.4133% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3812% | 1,373 |
| Loan loss allowance to noncurrent loans | 8.5387% | 7,387 |
| Noncurrent assets plus other real estate owned to assets | 27.6879% | 16 |
| Noncurrent loans to loans | 27.8876% | 26 |
| Net loans and leases to total assets | 58.5330% | 5,568 |
| Net loans and leases to deposits | 62.9567% | 6,365 |
| Net loans and leases to core deposits | 93.7248% | 4,703 |
| Total domestic deposits to total assets | 92.9735% | 131 |
| Equity capital to assets | 6.3766% | 7,592 |
| Core capital (leverage) ratio | 6.2236% | 7,582 |
| Tier 1 risk-based capital ratio | 9.2367% | 7,364 |
| Total risk-based capital ratio | 10.4964% | 7,357 |
| Memoranda: | ||
| Average total assets | $500,526,800 | 1,371 |
| Average earning assets | $451,008,200 | 1,403 |
| Average equity | $44,070,200 | 1,516 |
| Average total loans | $376,257,400 | 1,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 4,057 |
| Cost of funding earning assets | 3.0155% | 317 |
| Net interest margin | 2.5516% | 7,403 |
| Noninterest income to average assets | -0.9828% | 8,075 |
| Noninterest expense to average assets | 3.7862% | 1,619 |
| Loan and lease loss provision to assets | 3.6956% | 350 |
| Net operating income to assets | -3.9623% | 7,744 |
| Return on assets (ROA) | -3.8736% | 7,734 |
| Pretax return on assets | -5.9827% | 7,905 |
| Return on Equity (ROE) | -41.2302% | 7,761 |
| Retained earnings to average equity (ytd only) | -41.2302% | 7,758 |
| Net charge-offs to loans | 4.5157% | 280 |
| Credit loss provision to net charge-offs | 103.7638% | 4,906 |
| Earnings coverage of net charge-offs (x) | -0.6805% | 6,557 |
| Efficiency ratio | 277.8383% | 72 |
| Assets per employee ($millions) | 9.3784% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6533% | 923 |
| Loan loss allowance to noncurrent loans | 8.2616% | 7,477 |
| Noncurrent assets plus other real estate owned to assets | 28.1554% | 11 |
| Noncurrent loans to loans | 32.1163% | 11 |
| Net loans and leases to total assets | 66.2298% | 4,379 |
| Net loans and leases to deposits | 72.6536% | 5,558 |
| Net loans and leases to core deposits | 100.3912% | 4,330 |
| Total domestic deposits to total assets | 91.1583% | 359 |
| Equity capital to assets | 7.8484% | 6,992 |
| Core capital (leverage) ratio | 6.5267% | 7,662 |
| Tier 1 risk-based capital ratio | 8.7346% | 7,705 |
| Total risk-based capital ratio | 9.9993% | 7,735 |
| Memoranda: | ||
| Average total assets | $503,285,750 | 1,383 |
| Average earning assets | $462,657,500 | 1,374 |
| Average equity | $47,284,500 | 1,448 |
| Average total loans | $396,946,000 | 1,226 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9790% | 2,271 |
| Cost of funding earning assets | 3.0795% | 376 |
| Net interest margin | 2.8995% | 6,806 |
| Noninterest income to average assets | -0.5364% | 8,122 |
| Noninterest expense to average assets | 3.5812% | 2,117 |
| Loan and lease loss provision to assets | 5.4158% | 167 |
| Net operating income to assets | -4.4060% | 7,883 |
| Return on assets (ROA) | -4.2856% | 7,860 |
| Pretax return on assets | -6.6212% | 7,995 |
| Return on Equity (ROE) | -43.2235% | 7,868 |
| Retained earnings to average equity (ytd only) | -43.2235% | 7,858 |
| Net charge-offs to loans | 4.6321% | 275 |
| Credit loss provision to net charge-offs | 141.6962% | 3,288 |
| Earnings coverage of net charge-offs (x) | -0.3638% | 6,002 |
| Efficiency ratio | 163.4794% | 311 |
| Assets per employee ($millions) | 7.2767% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2756% | 458 |
| Loan loss allowance to noncurrent loans | 12.0388% | 7,455 |
| Noncurrent assets plus other real estate owned to assets | 23.3057% | 26 |
| Noncurrent loans to loans | 27.2083% | 22 |
| Net loans and leases to total assets | 75.4201% | 2,338 |
| Net loans and leases to deposits | 85.3228% | 3,677 |
| Net loans and leases to core deposits | 113.8726% | 2,921 |
| Total domestic deposits to total assets | 88.3938% | 1,580 |
| Equity capital to assets | 8.8639% | 5,505 |
| Core capital (leverage) ratio | 8.0349% | 6,263 |
| Tier 1 risk-based capital ratio | 10.0767% | 6,845 |
| Total risk-based capital ratio | 11.3519% | 6,745 |
| Memoranda: | ||
| Average total assets | $502,237,000 | 1,416 |
| Average earning assets | $472,351,670 | 1,374 |
| Average equity | $49,797,000 | 1,384 |
| Average total loans | $414,411,000 | 1,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3043% | 1,286 |
| Cost of funding earning assets | 3.2188% | 325 |
| Net interest margin | 3.0855% | 6,236 |
| Noninterest income to average assets | -1.1092% | 8,218 |
| Noninterest expense to average assets | 3.0636% | 3,508 |
| Loan and lease loss provision to assets | 4.1111% | 230 |
| Net operating income to assets | -3.4670% | 7,917 |
| Return on assets (ROA) | -3.2383% | 7,880 |
| Pretax return on assets | -5.0029% | 7,987 |
| Return on Equity (ROE) | -31.0506% | 7,914 |
| Retained earnings to average equity (ytd only) | -31.0506% | 7,868 |
| Net charge-offs to loans | 2.8682% | 453 |
| Credit loss provision to net charge-offs | 169.1607% | 2,531 |
| Earnings coverage of net charge-offs (x) | -0.5117% | 5,254 |
| Efficiency ratio | 168.3319% | 282 |
| Assets per employee ($millions) | 7.3389% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 725 |
| Loan loss allowance to noncurrent loans | 12.8848% | 7,462 |
| Noncurrent assets plus other real estate owned to assets | 17.4004% | 50 |
| Noncurrent loans to loans | 19.8015% | 45 |
| Net loans and leases to total assets | 82.3671% | 955 |
| Net loans and leases to deposits | 93.2934% | 2,387 |
| Net loans and leases to core deposits | 122.8538% | 2,181 |
| Total domestic deposits to total assets | 88.2882% | 1,584 |
| Equity capital to assets | 10.1299% | 3,851 |
| Core capital (leverage) ratio | 9.5637% | 3,911 |
| Tier 1 risk-based capital ratio | 11.2948% | 5,604 |
| Total risk-based capital ratio | 12.5605% | 5,499 |
| Memoranda: | ||
| Average total assets | $505,948,500 | 1,404 |
| Average earning assets | $480,308,000 | 1,349 |
| Average equity | $52,765,500 | 1,289 |
| Average total loans | $428,703,000 | 1,180 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6865% | 288 |
| Cost of funding earning assets | 3.8477% | 169 |
| Net interest margin | 3.8387% | 3,844 |
| Noninterest income to average assets | -0.0023% | 8,152 |
| Noninterest expense to average assets | 2.9666% | 4,196 |
| Loan and lease loss provision to assets | 0.7796% | 1,919 |
| Net operating income to assets | -0.0580% | 6,449 |
| Return on assets (ROA) | -0.4407% | 6,747 |
| Pretax return on assets | -0.6804% | 6,797 |
| Return on Equity (ROE) | -4.0182% | 6,746 |
| Retained earnings to average equity (ytd only) | -5.7954% | 6,640 |
| Net charge-offs to loans | 0.5664% | 2,117 |
| Credit loss provision to net charge-offs | 158.2278% | 3,282 |
| Earnings coverage of net charge-offs (x) | 1.3964% | 5,426 |
| Efficiency ratio | 81.1743% | 2,414 |
| Assets per employee ($millions) | 7.6545% | 529 |
| Cash dividends to net income (ytd only)* | -44.2282% | 8,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9826% | 1,258 |
| Loan loss allowance to noncurrent loans | 12.4246% | 7,465 |
| Noncurrent assets plus other real estate owned to assets | 14.4935% | 64 |
| Noncurrent loans to loans | 15.9568% | 63 |
| Net loans and leases to total assets | 83.2519% | 1,007 |
| Net loans and leases to deposits | 94.2414% | 2,718 |
| Net loans and leases to core deposits | 123.3968% | 2,372 |
| Total domestic deposits to total assets | 88.3389% | 1,319 |
| Equity capital to assets | 10.7201% | 3,280 |
| Core capital (leverage) ratio | 10.7214% | 2,797 |
| Tier 1 risk-based capital ratio | 12.0720% | 4,766 |
| Total risk-based capital ratio | 13.3302% | 4,639 |
| Memoranda: | ||
| Average total assets | $513,087,000 | 1,314 |
| Average earning assets | $488,780,800 | 1,259 |
| Average equity | $56,268,600 | 1,194 |
| Average total loans | $446,320,000 | 1,074 |