Home > Calwest Bank > Performance and Condition Ratios
Calwest Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 1,500 |
| Cost of funding earning assets | 0.6420% | 3,211 |
| Net interest margin | 4.1291% | 1,075 |
| Noninterest income to average assets | 0.3184% | 3,611 |
| Noninterest expense to average assets | 5.3485% | 187 |
| Loan and lease loss provision to assets | 0.1322% | 2,074 |
| Net operating income to assets | -1.2719% | 5,011 |
| Return on assets (ROA) | -1.2719% | 4,994 |
| Pretax return on assets | -1.5033% | 4,996 |
| Return on Equity (ROE) | -11.3637% | 5,007 |
| Retained earnings to average equity (ytd only) | -11.3637% | 4,807 |
| Net charge-offs to loans | 0.0290% | 1,800 |
| Credit loss provision to net charge-offs | 584.6154% | 806 |
| Earnings coverage of net charge-offs (x) | -60.6154% | 2,558 |
| Efficiency ratio | 134.4707% | 77 |
| Assets per employee ($millions) | 7.5209% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 1,638 |
| Loan loss allowance to noncurrent loans | 178.8584% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 2,116 |
| Noncurrent loans to loans | 0.7921% | 2,029 |
| Net loans and leases to total assets | 78.2693% | 937 |
| Net loans and leases to deposits | 90.9201% | 1,413 |
| Net loans and leases to core deposits | 96.0492% | 1,785 |
| Total domestic deposits to total assets | 86.0858% | 1,967 |
| Equity capital to assets | 11.2359% | 2,652 |
| Core capital (leverage) ratio | 9.2335% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $229,898,000 | 2,630 |
| Average earning assets | $203,724,000 | 2,714 |
| Average equity | $25,731,000 | 2,728 |
| Average total loans | $179,349,500 | 2,366 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8739% | 1,831 |
| Cost of funding earning assets | 0.7059% | 3,135 |
| Net interest margin | 4.1680% | 1,381 |
| Noninterest income to average assets | 0.3602% | 3,543 |
| Noninterest expense to average assets | 3.4461% | 1,035 |
| Loan and lease loss provision to assets | -0.0373% | 4,991 |
| Net operating income to assets | 3.1014% | 74 |
| Return on assets (ROA) | 3.0886% | 76 |
| Pretax return on assets | 0.7145% | 4,172 |
| Return on Equity (ROE) | 30.4937% | 39 |
| Retained earnings to average equity (ytd only) | 28.6975% | 14 |
| Net charge-offs to loans | -0.0461% | 4,811 |
| Credit loss provision to net charge-offs | 106.4935% | 2,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3187% | 701 |
| Assets per employee ($millions) | 6.5047% | 1,285 |
| Cash dividends to net income (ytd only)* | 5.8901% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 1,599 |
| Loan loss allowance to noncurrent loans | 4,669.8113% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,546 |
| Noncurrent loans to loans | 0.0295% | 4,446 |
| Net loans and leases to total assets | 75.6245% | 1,479 |
| Net loans and leases to deposits | 87.4255% | 1,925 |
| Net loans and leases to core deposits | 90.2788% | 2,400 |
| Total domestic deposits to total assets | 86.5017% | 1,847 |
| Equity capital to assets | 11.1504% | 2,856 |
| Core capital (leverage) ratio | 9.0666% | 4,470 |
| Tier 1 risk-based capital ratio | 10.7187% | 4,959 |
| Total risk-based capital ratio | 11.9690% | 4,869 |
| Memoranda: | ||
| Average total assets | $219,870,600 | 2,661 |
| Average earning assets | $199,183,600 | 2,720 |
| Average equity | $22,270,200 | 2,940 |
| Average total loans | $167,136,600 | 2,444 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8642% | 1,929 |
| Cost of funding earning assets | 0.7089% | 3,165 |
| Net interest margin | 4.1553% | 1,486 |
| Noninterest income to average assets | 0.3625% | 3,552 |
| Noninterest expense to average assets | 3.4372% | 1,030 |
| Loan and lease loss provision to assets | -0.0401% | 5,113 |
| Net operating income to assets | 4.0585% | 48 |
| Return on assets (ROA) | 4.0887% | 51 |
| Pretax return on assets | 0.7859% | 4,150 |
| Return on Equity (ROE) | 41.5006% | 19 |
| Retained earnings to average equity (ytd only) | 38.9979% | 5 |
| Net charge-offs to loans | -0.0528% | 4,850 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7668% | 702 |
| Assets per employee ($millions) | 5.6616% | 1,875 |
| Cash dividends to net income (ytd only)* | 6.0305% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.4331% | 1,577 |
| Net loans and leases to deposits | 87.4418% | 2,006 |
| Net loans and leases to core deposits | 90.3957% | 2,513 |
| Total domestic deposits to total assets | 86.2666% | 1,878 |
| Equity capital to assets | 11.4549% | 2,691 |
| Core capital (leverage) ratio | 9.2060% | 4,473 |
| Tier 1 risk-based capital ratio | 10.8335% | 4,977 |
| Total risk-based capital ratio | 12.0844% | 4,877 |
| Memoranda: | ||
| Average total assets | $216,295,750 | 2,712 |
| Average earning assets | $197,300,750 | 2,754 |
| Average equity | $21,310,000 | 3,040 |
| Average total loans | $164,029,500 | 2,489 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7587% | 2,191 |
| Cost of funding earning assets | 0.6856% | 3,244 |
| Net interest margin | 4.0731% | 1,690 |
| Noninterest income to average assets | 0.3541% | 3,570 |
| Noninterest expense to average assets | 3.4691% | 994 |
| Loan and lease loss provision to assets | -0.0432% | 5,168 |
| Net operating income to assets | 0.6850% | 4,048 |
| Return on assets (ROA) | 0.7008% | 4,063 |
| Pretax return on assets | 0.7055% | 4,318 |
| Return on Equity (ROE) | 7.5482% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.5009% | 3,491 |
| Net charge-offs to loans | -0.0572% | 4,860 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2958% | 637 |
| Assets per employee ($millions) | 6.1676% | 1,424 |
| Cash dividends to net income (ytd only)* | 53.6193% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 1,347 |
| Loan loss allowance to noncurrent loans | 248,000.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,830 |
| Noncurrent loans to loans | 0.0006% | 4,741 |
| Net loans and leases to total assets | 70.7147% | 2,434 |
| Net loans and leases to deposits | 79.1267% | 3,043 |
| Net loans and leases to core deposits | 81.6030% | 3,292 |
| Total domestic deposits to total assets | 89.3689% | 513 |
| Equity capital to assets | 8.5365% | 5,024 |
| Core capital (leverage) ratio | 9.3278% | 4,336 |
| Tier 1 risk-based capital ratio | 10.6627% | 5,047 |
| Total risk-based capital ratio | 11.9139% | 4,959 |
| Memoranda: | ||
| Average total assets | $212,906,670 | 2,755 |
| Average earning assets | $196,607,000 | 2,768 |
| Average equity | $19,766,330 | 3,166 |
| Average total loans | $160,936,330 | 2,525 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 1,752 |
| Cost of funding earning assets | 0.6927% | 3,094 |
| Net interest margin | 4.1606% | 1,401 |
| Noninterest income to average assets | 0.3541% | 3,489 |
| Noninterest expense to average assets | 3.6028% | 846 |
| Loan and lease loss provision to assets | -0.0514% | 5,260 |
| Net operating income to assets | 0.6648% | 4,044 |
| Return on assets (ROA) | 0.6984% | 3,980 |
| Pretax return on assets | 0.6984% | 4,306 |
| Return on Equity (ROE) | 7.1872% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.1872% | 1,970 |
| Net charge-offs to loans | -0.0661% | 4,910 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4528% | 618 |
| Assets per employee ($millions) | 4.8646% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5975% | 1,064 |
| Loan loss allowance to noncurrent loans | 248,000.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,904 |
| Noncurrent loans to loans | 0.0006% | 4,813 |
| Net loans and leases to total assets | 73.0319% | 1,973 |
| Net loans and leases to deposits | 81.5788% | 2,653 |
| Net loans and leases to core deposits | 83.0616% | 3,105 |
| Total domestic deposits to total assets | 89.5232% | 630 |
| Equity capital to assets | 9.5034% | 4,257 |
| Core capital (leverage) ratio | 9.7018% | 3,916 |
| Tier 1 risk-based capital ratio | 11.6931% | 4,629 |
| Total risk-based capital ratio | 12.9459% | 4,520 |
| Memoranda: | ||
| Average total assets | $202,175,000 | 2,882 |
| Average earning assets | $187,663,500 | 2,876 |
| Average equity | $19,646,000 | 3,191 |
| Average total loans | $157,297,500 | 2,603 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,141 |
| Cost of funding earning assets | 0.5023% | 3,337 |
| Net interest margin | 4.0930% | 1,702 |
| Noninterest income to average assets | 0.4318% | 3,228 |
| Noninterest expense to average assets | 3.3892% | 1,171 |
| Loan and lease loss provision to assets | -0.0896% | 5,252 |
| Net operating income to assets | 0.9288% | 3,334 |
| Return on assets (ROA) | 0.9896% | 3,055 |
| Pretax return on assets | 0.9907% | 3,640 |
| Return on Equity (ROE) | 9.8435% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.8435% | 646 |
| Net charge-offs to loans | -0.0782% | 5,092 |
| Credit loss provision to net charge-offs | 151.3761% | 1,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1336% | 950 |
| Assets per employee ($millions) | 4.6470% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,124 |
| Loan loss allowance to noncurrent loans | 124,000.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,932 |
| Noncurrent loans to loans | 0.0013% | 4,830 |
| Net loans and leases to total assets | 80.3743% | 886 |
| Net loans and leases to deposits | 92.1918% | 1,523 |
| Net loans and leases to core deposits | 95.9086% | 2,071 |
| Total domestic deposits to total assets | 87.1816% | 1,694 |
| Equity capital to assets | 9.9466% | 3,729 |
| Core capital (leverage) ratio | 10.0836% | 3,483 |
| Tier 1 risk-based capital ratio | 11.5281% | 4,712 |
| Total risk-based capital ratio | 12.7807% | 4,615 |
| Memoranda: | ||
| Average total assets | $184,115,800 | 3,016 |
| Average earning assets | $170,829,000 | 3,015 |
| Average equity | $18,509,600 | 3,240 |
| Average total loans | $139,385,000 | 2,776 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 2,249 |
| Cost of funding earning assets | 0.4783% | 3,343 |
| Net interest margin | 4.0365% | 1,837 |
| Noninterest income to average assets | 0.4544% | 3,138 |
| Noninterest expense to average assets | 3.3518% | 1,197 |
| Loan and lease loss provision to assets | -0.0948% | 5,344 |
| Net operating income to assets | 0.9250% | 3,407 |
| Return on assets (ROA) | 1.0072% | 3,068 |
| Pretax return on assets | 1.0219% | 3,655 |
| Return on Equity (ROE) | 9.9904% | 2,626 |
| Retained earnings to average equity (ytd only) | 9.9904% | 926 |
| Net charge-offs to loans | -0.0843% | 5,113 |
| Credit loss provision to net charge-offs | 151.7647% | 1,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8844% | 953 |
| Assets per employee ($millions) | 4.9661% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 751 |
| Loan loss allowance to noncurrent loans | 10,834.7826% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 4,951 |
| Noncurrent loans to loans | 0.0164% | 4,841 |
| Net loans and leases to total assets | 70.9747% | 2,495 |
| Net loans and leases to deposits | 78.9140% | 3,150 |
| Net loans and leases to core deposits | 80.9294% | 3,411 |
| Total domestic deposits to total assets | 89.9394% | 531 |
| Equity capital to assets | 9.7482% | 3,873 |
| Core capital (leverage) ratio | 10.3061% | 3,283 |
| Tier 1 risk-based capital ratio | 12.4048% | 4,250 |
| Total risk-based capital ratio | 13.6596% | 4,140 |
| Memoranda: | ||
| Average total assets | $181,351,500 | 3,060 |
| Average earning assets | $168,096,500 | 3,068 |
| Average equity | $18,283,750 | 3,284 |
| Average total loans | $134,394,000 | 2,852 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5383% | 1,965 |
| Cost of funding earning assets | 0.4753% | 3,194 |
| Net interest margin | 4.0630% | 1,662 |
| Noninterest income to average assets | 0.4649% | 3,062 |
| Noninterest expense to average assets | 3.2543% | 1,426 |
| Loan and lease loss provision to assets | -0.0891% | 5,417 |
| Net operating income to assets | 1.0462% | 2,828 |
| Return on assets (ROA) | 1.1724% | 2,304 |
| Pretax return on assets | 1.1893% | 2,975 |
| Return on Equity (ROE) | 11.4902% | 1,913 |
| Retained earnings to average equity (ytd only) | 11.4902% | 588 |
| Net charge-offs to loans | -0.0770% | 5,069 |
| Credit loss provision to net charge-offs | 154.9020% | 1,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9888% | 1,318 |
| Assets per employee ($millions) | 4.5367% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 678 |
| Loan loss allowance to noncurrent loans | 8,648.2759% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 4,952 |
| Noncurrent loans to loans | 0.0215% | 4,836 |
| Net loans and leases to total assets | 74.7759% | 1,821 |
| Net loans and leases to deposits | 83.8239% | 2,557 |
| Net loans and leases to core deposits | 85.2219% | 2,990 |
| Total domestic deposits to total assets | 89.2059% | 851 |
| Equity capital to assets | 10.5047% | 3,112 |
| Core capital (leverage) ratio | 10.4542% | 3,077 |
| Tier 1 risk-based capital ratio | 12.9518% | 3,917 |
| Total risk-based capital ratio | 14.2079% | 3,834 |
| Memoranda: | ||
| Average total assets | $177,243,330 | 3,125 |
| Average earning assets | $164,115,330 | 3,128 |
| Average equity | $18,085,000 | 3,320 |
| Average total loans | $132,541,000 | 2,881 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2921% | 2,551 |
| Cost of funding earning assets | 0.4715% | 3,026 |
| Net interest margin | 3.8206% | 2,334 |
| Noninterest income to average assets | 0.4600% | 3,055 |
| Noninterest expense to average assets | 3.2401% | 1,479 |
| Loan and lease loss provision to assets | -0.0947% | 5,504 |
| Net operating income to assets | 0.8591% | 3,465 |
| Return on assets (ROA) | 1.1139% | 2,385 |
| Pretax return on assets | 1.1139% | 3,122 |
| Return on Equity (ROE) | 11.0796% | 1,939 |
| Retained earnings to average equity (ytd only) | 11.0796% | 880 |
| Net charge-offs to loans | -0.1278% | 5,285 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9122% | 1,049 |
| Assets per employee ($millions) | 5.1610% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 597 |
| Loan loss allowance to noncurrent loans | 150.2370% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 1,747 |
| Noncurrent loans to loans | 1.3007% | 1,377 |
| Net loans and leases to total assets | 68.4853% | 2,700 |
| Net loans and leases to deposits | 76.0964% | 3,204 |
| Net loans and leases to core deposits | 78.9755% | 3,407 |
| Total domestic deposits to total assets | 89.9982% | 655 |
| Equity capital to assets | 9.7090% | 3,874 |
| Core capital (leverage) ratio | 10.3308% | 3,148 |
| Tier 1 risk-based capital ratio | 12.5532% | 4,211 |
| Total risk-based capital ratio | 13.8098% | 4,108 |
| Memoranda: | ||
| Average total assets | $177,400,000 | 3,158 |
| Average earning assets | $164,582,500 | 3,153 |
| Average equity | $17,834,500 | 3,379 |
| Average total loans | $131,407,000 | 2,914 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,749 |
| Cost of funding earning assets | 0.4789% | 2,516 |
| Net interest margin | 3.7044% | 2,777 |
| Noninterest income to average assets | 0.5118% | 2,925 |
| Noninterest expense to average assets | 3.0283% | 2,074 |
| Loan and lease loss provision to assets | -0.2340% | 5,594 |
| Net operating income to assets | 1.1136% | 1,817 |
| Return on assets (ROA) | 1.0195% | 2,193 |
| Pretax return on assets | 1.0308% | 3,455 |
| Return on Equity (ROE) | 10.3811% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.3811% | 302 |
| Net charge-offs to loans | -0.2444% | 5,545 |
| Credit loss provision to net charge-offs | 142.7536% | 1,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2493% | 1,451 |
| Assets per employee ($millions) | 4.6946% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 639 |
| Loan loss allowance to noncurrent loans | 2,149.1525% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,774 |
| Noncurrent loans to loans | 0.0887% | 4,604 |
| Net loans and leases to total assets | 77.2165% | 1,391 |
| Net loans and leases to deposits | 86.6222% | 2,180 |
| Net loans and leases to core deposits | 90.2639% | 2,542 |
| Total domestic deposits to total assets | 89.1417% | 935 |
| Equity capital to assets | 10.4317% | 3,232 |
| Core capital (leverage) ratio | 10.1522% | 3,242 |
| Tier 1 risk-based capital ratio | 12.4808% | 4,216 |
| Total risk-based capital ratio | 13.7375% | 4,111 |
| Memoranda: | ||
| Average total assets | $168,411,400 | 3,265 |
| Average earning assets | $154,952,400 | 3,261 |
| Average equity | $16,539,600 | 3,533 |
| Average total loans | $112,930,200 | 3,144 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 3,173 |
| Cost of funding earning assets | 0.4890% | 2,364 |
| Net interest margin | 3.5618% | 3,284 |
| Noninterest income to average assets | 0.5174% | 2,921 |
| Noninterest expense to average assets | 2.9303% | 2,301 |
| Loan and lease loss provision to assets | -0.2559% | 5,679 |
| Net operating income to assets | 1.1049% | 2,069 |
| Return on assets (ROA) | 0.9794% | 2,702 |
| Pretax return on assets | 0.9889% | 3,729 |
| Return on Equity (ROE) | 10.1307% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.1307% | 558 |
| Net charge-offs to loans | -0.2533% | 5,582 |
| Credit loss provision to net charge-offs | 157.5610% | 1,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3155% | 1,420 |
| Assets per employee ($millions) | 5.0351% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0707% | 500 |
| Loan loss allowance to noncurrent loans | 2,131.0924% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,895 |
| Noncurrent loans to loans | 0.0972% | 4,676 |
| Net loans and leases to total assets | 68.0546% | 2,836 |
| Net loans and leases to deposits | 75.6363% | 3,408 |
| Net loans and leases to core deposits | 78.1662% | 3,616 |
| Total domestic deposits to total assets | 89.9761% | 484 |
| Equity capital to assets | 9.7396% | 4,211 |
| Core capital (leverage) ratio | 9.9298% | 3,649 |
| Tier 1 risk-based capital ratio | 12.9060% | 4,076 |
| Total risk-based capital ratio | 14.1644% | 3,975 |
| Memoranda: | ||
| Average total assets | $168,263,250 | 3,294 |
| Average earning assets | $154,598,750 | 3,292 |
| Average equity | $16,267,000 | 3,594 |
| Average total loans | $107,904,000 | 3,241 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9799% | 3,283 |
| Cost of funding earning assets | 0.4845% | 2,292 |
| Net interest margin | 3.4954% | 3,419 |
| Noninterest income to average assets | 0.5314% | 2,823 |
| Noninterest expense to average assets | 2.9298% | 2,325 |
| Loan and lease loss provision to assets | -0.2138% | 5,709 |
| Net operating income to assets | 1.0193% | 2,337 |
| Return on assets (ROA) | 0.9239% | 2,844 |
| Pretax return on assets | 0.9263% | 3,841 |
| Return on Equity (ROE) | 9.5817% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.5817% | 682 |
| Net charge-offs to loans | -0.2717% | 5,625 |
| Credit loss provision to net charge-offs | 126.4286% | 1,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3845% | 1,409 |
| Assets per employee ($millions) | 5.0562% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2713% | 385 |
| Loan loss allowance to noncurrent loans | 1,792.4658% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 4,857 |
| Noncurrent loans to loans | 0.1267% | 4,615 |
| Net loans and leases to total assets | 65.5002% | 3,182 |
| Net loans and leases to deposits | 72.6600% | 3,675 |
| Net loans and leases to core deposits | 75.6607% | 3,804 |
| Total domestic deposits to total assets | 90.1461% | 489 |
| Equity capital to assets | 9.6201% | 4,295 |
| Core capital (leverage) ratio | 10.0549% | 3,470 |
| Tier 1 risk-based capital ratio | 13.2778% | 3,817 |
| Total risk-based capital ratio | 14.5387% | 3,729 |
| Memoranda: | ||
| Average total assets | $165,608,000 | 3,333 |
| Average earning assets | $151,912,330 | 3,347 |
| Average equity | $15,968,000 | 3,644 |
| Average total loans | $103,049,330 | 3,339 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 3,885 |
| Cost of funding earning assets | 0.4942% | 2,136 |
| Net interest margin | 3.2713% | 4,111 |
| Noninterest income to average assets | 0.4974% | 2,998 |
| Noninterest expense to average assets | 2.9842% | 2,204 |
| Loan and lease loss provision to assets | -0.2167% | 5,793 |
| Net operating income to assets | 0.7288% | 3,566 |
| Return on assets (ROA) | 0.5343% | 4,488 |
| Pretax return on assets | 0.5343% | 4,888 |
| Return on Equity (ROE) | 5.5347% | 4,128 |
| Retained earnings to average equity (ytd only) | 5.5347% | 2,577 |
| Net charge-offs to loans | -0.2145% | 5,634 |
| Credit loss provision to net charge-offs | 169.2308% | 1,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3521% | 858 |
| Assets per employee ($millions) | 4.9103% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5559% | 298 |
| Loan loss allowance to noncurrent loans | 1,504.5977% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 4,852 |
| Noncurrent loans to loans | 0.1699% | 4,511 |
| Net loans and leases to total assets | 59.7856% | 3,809 |
| Net loans and leases to deposits | 66.2494% | 4,151 |
| Net loans and leases to core deposits | 69.1770% | 4,211 |
| Total domestic deposits to total assets | 90.2432% | 561 |
| Equity capital to assets | 9.5184% | 4,273 |
| Core capital (leverage) ratio | 10.0032% | 3,492 |
| Tier 1 risk-based capital ratio | 13.8358% | 3,585 |
| Total risk-based capital ratio | 15.0986% | 3,483 |
| Memoranda: | ||
| Average total assets | $162,456,500 | 3,400 |
| Average earning assets | $148,930,000 | 3,413 |
| Average equity | $15,683,000 | 3,697 |
| Average total loans | $96,964,500 | 3,464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,084 |
| Cost of funding earning assets | 0.3649% | 3,370 |
| Net interest margin | 3.3776% | 3,900 |
| Noninterest income to average assets | 0.8080% | 1,724 |
| Noninterest expense to average assets | 3.4119% | 1,327 |
| Loan and lease loss provision to assets | -0.2941% | 5,842 |
| Net operating income to assets | 0.7699% | 3,453 |
| Return on assets (ROA) | 0.8516% | 3,170 |
| Pretax return on assets | 0.8530% | 3,998 |
| Return on Equity (ROE) | 8.2449% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.2449% | 773 |
| Net charge-offs to loans | -0.5496% | 5,841 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7297% | 697 |
| Assets per employee ($millions) | 4.6460% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9006% | 197 |
| Loan loss allowance to noncurrent loans | 1,368.0412% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 4,823 |
| Noncurrent loans to loans | 0.2120% | 4,391 |
| Net loans and leases to total assets | 56.2442% | 4,244 |
| Net loans and leases to deposits | 62.5541% | 4,504 |
| Net loans and leases to core deposits | 66.6034% | 4,488 |
| Total domestic deposits to total assets | 89.9128% | 674 |
| Equity capital to assets | 9.7966% | 3,946 |
| Core capital (leverage) ratio | 10.2654% | 3,150 |
| Tier 1 risk-based capital ratio | 15.0010% | 2,963 |
| Total risk-based capital ratio | 16.2667% | 2,893 |
| Memoranda: | ||
| Average total assets | $146,898,800 | 3,565 |
| Average earning assets | $134,002,200 | 3,588 |
| Average equity | $15,173,000 | 3,790 |
| Average total loans | $78,603,200 | 3,837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6134% | 4,515 |
| Cost of funding earning assets | 0.3466% | 3,567 |
| Net interest margin | 3.2668% | 4,286 |
| Noninterest income to average assets | 0.5837% | 2,739 |
| Noninterest expense to average assets | 3.4504% | 1,246 |
| Loan and lease loss provision to assets | -0.3164% | 5,913 |
| Net operating income to assets | 0.4292% | 4,934 |
| Return on assets (ROA) | 0.5402% | 4,642 |
| Pretax return on assets | 0.5421% | 5,032 |
| Return on Equity (ROE) | 5.1575% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1575% | 2,723 |
| Net charge-offs to loans | -0.6049% | 5,899 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7826% | 292 |
| Assets per employee ($millions) | 4.3648% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9290% | 204 |
| Loan loss allowance to noncurrent loans | 6,319.0476% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,393 |
| Noncurrent loans to loans | 0.0464% | 5,174 |
| Net loans and leases to total assets | 55.9771% | 4,309 |
| Net loans and leases to deposits | 62.2928% | 4,610 |
| Net loans and leases to core deposits | 65.2386% | 4,654 |
| Total domestic deposits to total assets | 89.8614% | 529 |
| Equity capital to assets | 9.9050% | 4,235 |
| Core capital (leverage) ratio | 10.0694% | 3,474 |
| Tier 1 risk-based capital ratio | 14.6951% | 3,195 |
| Total risk-based capital ratio | 15.9622% | 3,122 |
| Memoranda: | ||
| Average total assets | $144,132,750 | 3,618 |
| Average earning assets | $131,544,000 | 3,645 |
| Average equity | $15,097,500 | 3,825 |
| Average total loans | $75,379,250 | 3,944 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6045% | 4,576 |
| Cost of funding earning assets | 0.3434% | 3,637 |
| Net interest margin | 3.2611% | 4,343 |
| Noninterest income to average assets | 0.6066% | 2,586 |
| Noninterest expense to average assets | 3.6066% | 1,000 |
| Loan and lease loss provision to assets | -0.2661% | 5,968 |
| Net operating income to assets | 0.2418% | 5,441 |
| Return on assets (ROA) | 0.4134% | 5,080 |
| Pretax return on assets | 0.4134% | 5,322 |
| Return on Equity (ROE) | 3.8683% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.8683% | 3,434 |
| Net charge-offs to loans | -0.5291% | 5,947 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6789% | 231 |
| Assets per employee ($millions) | 4.2321% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2750% | 148 |
| Loan loss allowance to noncurrent loans | 6,319.0476% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 5,477 |
| Noncurrent loans to loans | 0.0518% | 5,254 |
| Net loans and leases to total assets | 52.9175% | 4,599 |
| Net loans and leases to deposits | 59.2324% | 4,844 |
| Net loans and leases to core deposits | 60.6167% | 4,953 |
| Total domestic deposits to total assets | 89.3387% | 745 |
| Equity capital to assets | 10.3156% | 3,839 |
| Core capital (leverage) ratio | 10.5790% | 2,874 |
| Tier 1 risk-based capital ratio | 16.1899% | 2,555 |
| Total risk-based capital ratio | 17.4605% | 2,488 |
| Memoranda: | ||
| Average total assets | $139,799,670 | 3,722 |
| Average earning assets | $127,562,670 | 3,731 |
| Average equity | $14,942,000 | 3,866 |
| Average total loans | $70,301,670 | 4,088 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 4,312 |
| Cost of funding earning assets | 0.3464% | 3,637 |
| Net interest margin | 3.3568% | 4,019 |
| Noninterest income to average assets | 0.6164% | 2,436 |
| Noninterest expense to average assets | 3.5831% | 1,042 |
| Loan and lease loss provision to assets | -0.3126% | 6,054 |
| Net operating income to assets | 0.4040% | 4,982 |
| Return on assets (ROA) | 0.4099% | 5,042 |
| Pretax return on assets | 0.4099% | 5,292 |
| Return on Equity (ROE) | 3.7636% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.7636% | 3,613 |
| Net charge-offs to loans | -0.6530% | 6,017 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5120% | 357 |
| Assets per employee ($millions) | 4.2696% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0024% | 91 |
| Loan loss allowance to noncurrent loans | 13,968.4211% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 5,605 |
| Noncurrent loans to loans | 0.0287% | 5,378 |
| Net loans and leases to total assets | 46.5911% | 5,077 |
| Net loans and leases to deposits | 52.5644% | 5,191 |
| Net loans and leases to core deposits | 53.9083% | 5,259 |
| Total domestic deposits to total assets | 88.6362% | 1,289 |
| Equity capital to assets | 11.0615% | 2,874 |
| Core capital (leverage) ratio | 11.0479% | 2,360 |
| Tier 1 risk-based capital ratio | 18.8908% | 1,759 |
| Total risk-based capital ratio | 20.1686% | 1,718 |
| Memoranda: | ||
| Average total assets | $135,637,000 | 3,809 |
| Average earning assets | $123,568,500 | 3,836 |
| Average equity | $14,773,000 | 3,898 |
| Average total loans | $64,933,500 | 4,242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4899% | 4,946 |
| Cost of funding earning assets | 0.3733% | 3,444 |
| Net interest margin | 3.1166% | 4,861 |
| Noninterest income to average assets | 0.6420% | 2,504 |
| Noninterest expense to average assets | 4.3438% | 460 |
| Loan and lease loss provision to assets | -0.4133% | 6,103 |
| Net operating income to assets | -0.4721% | 6,036 |
| Return on assets (ROA) | -0.3905% | 6,027 |
| Pretax return on assets | -0.3890% | 6,011 |
| Return on Equity (ROE) | -5.4169% | 6,057 |
| Retained earnings to average equity (ytd only) | -5.4169% | 5,935 |
| Net charge-offs to loans | -0.8584% | 6,122 |
| Credit loss provision to net charge-offs | 104.8507% | 2,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.5473% | 81 |
| Assets per employee ($millions) | 4.0802% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1758% | 76 |
| Loan loss allowance to noncurrent loans | 1,012.9771% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 4,820 |
| Noncurrent loans to loans | 0.4122% | 3,973 |
| Net loans and leases to total assets | 45.2316% | 5,216 |
| Net loans and leases to deposits | 50.8529% | 5,344 |
| Net loans and leases to core deposits | 52.0552% | 5,409 |
| Total domestic deposits to total assets | 88.9459% | 1,143 |
| Equity capital to assets | 10.7191% | 3,109 |
| Core capital (leverage) ratio | 10.9013% | 2,491 |
| Tier 1 risk-based capital ratio | 20.0794% | 1,472 |
| Total risk-based capital ratio | 21.3605% | 1,441 |
| Memoranda: | ||
| Average total assets | $135,986,400 | 3,788 |
| Average earning assets | $122,953,400 | 3,819 |
| Average equity | $9,802,600 | 4,689 |
| Average total loans | $62,438,800 | 4,309 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,905 |
| Cost of funding earning assets | 0.3771% | 3,473 |
| Net interest margin | 3.1559% | 4,805 |
| Noninterest income to average assets | 0.6387% | 2,533 |
| Noninterest expense to average assets | 3.6257% | 1,071 |
| Loan and lease loss provision to assets | -0.4333% | 6,191 |
| Net operating income to assets | 0.2924% | 5,475 |
| Return on assets (ROA) | 0.4010% | 5,250 |
| Pretax return on assets | 0.4030% | 5,459 |
| Return on Equity (ROE) | 6.3233% | 3,998 |
| Retained earnings to average equity (ytd only) | 6.3233% | 2,054 |
| Net charge-offs to loans | -0.8880% | 6,200 |
| Credit loss provision to net charge-offs | 107.0048% | 2,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9832% | 211 |
| Assets per employee ($millions) | 4.1793% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2905% | 76 |
| Loan loss allowance to noncurrent loans | 716.4865% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 4,690 |
| Noncurrent loans to loans | 0.5988% | 3,527 |
| Net loans and leases to total assets | 42.8783% | 5,434 |
| Net loans and leases to deposits | 46.0407% | 5,647 |
| Net loans and leases to core deposits | 46.9225% | 5,700 |
| Total domestic deposits to total assets | 93.1313% | 45 |
| Equity capital to assets | 6.4945% | 6,179 |
| Core capital (leverage) ratio | 6.5419% | 6,169 |
| Tier 1 risk-based capital ratio | 12.1266% | 5,009 |
| Total risk-based capital ratio | 13.4062% | 4,899 |
| Memoranda: | ||
| Average total assets | $136,321,250 | 3,816 |
| Average earning assets | $123,027,000 | 3,861 |
| Average equity | $8,645,000 | 4,989 |
| Average total loans | $62,159,250 | 4,354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 4,594 |
| Cost of funding earning assets | 0.3793% | 3,506 |
| Net interest margin | 3.2647% | 4,439 |
| Noninterest income to average assets | 0.6657% | 2,383 |
| Noninterest expense to average assets | 3.7101% | 975 |
| Loan and lease loss provision to assets | -0.5774% | 6,286 |
| Net operating income to assets | 0.4719% | 4,885 |
| Return on assets (ROA) | 0.5332% | 4,746 |
| Pretax return on assets | 0.5361% | 5,131 |
| Return on Equity (ROE) | 8.4768% | 2,809 |
| Retained earnings to average equity (ytd only) | 8.4768% | 1,084 |
| Net charge-offs to loans | -1.1432% | 6,277 |
| Credit loss provision to net charge-offs | 110.1124% | 1,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8583% | 273 |
| Assets per employee ($millions) | 4.4025% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5430% | 73 |
| Loan loss allowance to noncurrent loans | 303.9080% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 3,560 |
| Noncurrent loans to loans | 1.4948% | 1,779 |
| Net loans and leases to total assets | 39.4350% | 5,661 |
| Net loans and leases to deposits | 42.1946% | 5,826 |
| Net loans and leases to core deposits | 42.6491% | 5,877 |
| Total domestic deposits to total assets | 93.4597% | 42 |
| Equity capital to assets | 6.1584% | 6,264 |
| Core capital (leverage) ratio | 6.6059% | 6,233 |
| Tier 1 risk-based capital ratio | 12.3111% | 4,932 |
| Total risk-based capital ratio | 13.5914% | 4,811 |
| Memoranda: | ||
| Average total assets | $135,789,670 | 3,860 |
| Average earning assets | $122,340,000 | 3,908 |
| Average equity | $8,541,000 | 5,049 |
| Average total loans | $62,283,330 | 4,397 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 4,978 |
| Cost of funding earning assets | 0.3860% | 3,456 |
| Net interest margin | 3.1110% | 4,915 |
| Noninterest income to average assets | 0.7145% | 2,100 |
| Noninterest expense to average assets | 3.7915% | 887 |
| Loan and lease loss provision to assets | -0.3692% | 6,327 |
| Net operating income to assets | 0.0991% | 5,877 |
| Return on assets (ROA) | 0.2252% | 5,710 |
| Pretax return on assets | 0.2252% | 5,795 |
| Return on Equity (ROE) | 3.5404% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.5404% | 3,874 |
| Net charge-offs to loans | -0.5099% | 6,244 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6726% | 216 |
| Assets per employee ($millions) | 3.8287% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9916% | 128 |
| Loan loss allowance to noncurrent loans | 412.3438% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 4,119 |
| Noncurrent loans to loans | 0.9680% | 2,833 |
| Net loans and leases to total assets | 47.3676% | 5,094 |
| Net loans and leases to deposits | 50.8597% | 5,399 |
| Net loans and leases to core deposits | 51.3336% | 5,527 |
| Total domestic deposits to total assets | 93.1338% | 54 |
| Equity capital to assets | 6.4632% | 6,310 |
| Core capital (leverage) ratio | 6.4822% | 6,300 |
| Tier 1 risk-based capital ratio | 10.9439% | 5,832 |
| Total risk-based capital ratio | 12.2211% | 5,750 |
| Memoranda: | ||
| Average total assets | $133,244,500 | 3,932 |
| Average earning assets | $120,218,500 | 3,968 |
| Average equity | $8,473,500 | 5,099 |
| Average total loans | $64,325,000 | 4,357 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 4,963 |
| Cost of funding earning assets | 0.4098% | 3,591 |
| Net interest margin | 3.2311% | 4,826 |
| Noninterest income to average assets | 1.0341% | 1,147 |
| Noninterest expense to average assets | 3.9464% | 810 |
| Loan and lease loss provision to assets | -0.2890% | 6,362 |
| Net operating income to assets | 0.2897% | 5,543 |
| Return on assets (ROA) | 0.3697% | 5,395 |
| Pretax return on assets | 0.3711% | 5,555 |
| Return on Equity (ROE) | 6.8511% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.8511% | 1,477 |
| Net charge-offs to loans | -0.2108% | 6,274 |
| Credit loss provision to net charge-offs | 297.7941% | 873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9458% | 364 |
| Assets per employee ($millions) | 3.6801% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2855% | 109 |
| Loan loss allowance to noncurrent loans | 397.0370% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 4,098 |
| Noncurrent loans to loans | 1.0794% | 2,661 |
| Net loans and leases to total assets | 45.1798% | 5,392 |
| Net loans and leases to deposits | 48.3861% | 5,662 |
| Net loans and leases to core deposits | 49.0418% | 5,763 |
| Total domestic deposits to total assets | 93.3735% | 51 |
| Equity capital to assets | 6.2543% | 6,395 |
| Core capital (leverage) ratio | 6.1768% | 6,395 |
| Tier 1 risk-based capital ratio | 11.7676% | 5,506 |
| Total risk-based capital ratio | 13.0482% | 5,401 |
| Memoranda: | ||
| Average total assets | $140,126,800 | 3,800 |
| Average earning assets | $126,395,600 | 3,836 |
| Average equity | $7,560,800 | 5,298 |
| Average total loans | $64,505,000 | 4,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 5,023 |
| Cost of funding earning assets | 0.4109% | 3,674 |
| Net interest margin | 3.2337% | 4,842 |
| Noninterest income to average assets | 1.0776% | 1,052 |
| Noninterest expense to average assets | 3.9529% | 798 |
| Loan and lease loss provision to assets | -0.3126% | 6,472 |
| Net operating income to assets | 0.3464% | 5,438 |
| Return on assets (ROA) | 0.4130% | 5,275 |
| Pretax return on assets | 0.4149% | 5,548 |
| Return on Equity (ROE) | 7.9497% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.9497% | 1,390 |
| Net charge-offs to loans | -0.1497% | 6,240 |
| Credit loss provision to net charge-offs | 456.1644% | 625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1057% | 401 |
| Assets per employee ($millions) | 3.8206% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2459% | 132 |
| Loan loss allowance to noncurrent loans | 759.6045% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 5,042 |
| Noncurrent loans to loans | 0.5590% | 4,242 |
| Net loans and leases to total assets | 42.8987% | 5,605 |
| Net loans and leases to deposits | 45.5989% | 5,890 |
| Net loans and leases to core deposits | 46.1728% | 5,951 |
| Total domestic deposits to total assets | 94.0783% | 40 |
| Equity capital to assets | 5.5581% | 6,505 |
| Core capital (leverage) ratio | 5.6502% | 6,498 |
| Tier 1 risk-based capital ratio | 11.6583% | 5,699 |
| Total risk-based capital ratio | 12.9389% | 5,596 |
| Memoranda: | ||
| Average total assets | $142,037,500 | 3,785 |
| Average earning assets | $127,859,750 | 3,839 |
| Average equity | $7,379,500 | 5,367 |
| Average total loans | $64,997,250 | 4,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,846 |
| Cost of funding earning assets | 0.4074% | 3,797 |
| Net interest margin | 3.2984% | 4,592 |
| Noninterest income to average assets | 1.3145% | 695 |
| Noninterest expense to average assets | 3.9392% | 817 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3327% | 5,458 |
| Return on assets (ROA) | 0.4288% | 5,189 |
| Pretax return on assets | 0.4316% | 5,475 |
| Return on Equity (ROE) | 8.4484% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.4484% | 1,155 |
| Net charge-offs to loans | 0.2014% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.6061% | 3,260 |
| Efficiency ratio | 92.1711% | 754 |
| Assets per employee ($millions) | 3.7988% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3082% | 144 |
| Loan loss allowance to noncurrent loans | 379.8419% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 4,373 |
| Noncurrent loans to loans | 1.1342% | 2,957 |
| Net loans and leases to total assets | 45.5594% | 5,410 |
| Net loans and leases to deposits | 48.4076% | 5,755 |
| Net loans and leases to core deposits | 49.1145% | 5,842 |
| Total domestic deposits to total assets | 94.1162% | 47 |
| Equity capital to assets | 5.5210% | 6,561 |
| Core capital (leverage) ratio | 5.8856% | 6,548 |
| Tier 1 risk-based capital ratio | 11.3516% | 5,875 |
| Total risk-based capital ratio | 12.6353% | 5,811 |
| Memoranda: | ||
| Average total assets | $142,263,000 | 3,814 |
| Average earning assets | $127,638,330 | 3,859 |
| Average equity | $7,220,330 | 5,434 |
| Average total loans | $65,552,670 | 4,368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8111% | 4,443 |
| Cost of funding earning assets | 0.3961% | 4,021 |
| Net interest margin | 3.4150% | 4,055 |
| Noninterest income to average assets | 1.9257% | 355 |
| Noninterest expense to average assets | 4.1588% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8273% | 3,017 |
| Return on assets (ROA) | 0.8273% | 3,086 |
| Pretax return on assets | 0.8273% | 3,985 |
| Return on Equity (ROE) | 17.0347% | 531 |
| Retained earnings to average equity (ytd only) | 17.0347% | 222 |
| Net charge-offs to loans | -0.7029% | 6,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4081% | 1,744 |
| Assets per employee ($millions) | 3.7738% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5096% | 130 |
| Loan loss allowance to noncurrent loans | 309.0817% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 4,035 |
| Noncurrent loans to loans | 1.4590% | 2,602 |
| Net loans and leases to total assets | 45.2275% | 5,408 |
| Net loans and leases to deposits | 47.8015% | 5,744 |
| Net loans and leases to core deposits | 48.4818% | 5,848 |
| Total domestic deposits to total assets | 94.6153% | 46 |
| Equity capital to assets | 5.0737% | 6,627 |
| Core capital (leverage) ratio | 5.9586% | 6,595 |
| Tier 1 risk-based capital ratio | 11.0434% | 6,138 |
| Total risk-based capital ratio | 12.3284% | 6,073 |
| Memoranda: | ||
| Average total assets | $143,117,000 | 3,824 |
| Average earning assets | $128,258,500 | 3,883 |
| Average equity | $6,950,500 | 5,532 |
| Average total loans | $64,869,500 | 4,434 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3927% | 5,851 |
| Cost of funding earning assets | 0.4234% | 4,395 |
| Net interest margin | 2.9693% | 5,643 |
| Noninterest income to average assets | 0.6493% | 2,814 |
| Noninterest expense to average assets | 3.6615% | 1,351 |
| Loan and lease loss provision to assets | -0.3428% | 6,699 |
| Net operating income to assets | -0.0041% | 6,221 |
| Return on assets (ROA) | 0.2681% | 5,709 |
| Pretax return on assets | 0.2695% | 5,803 |
| Return on Equity (ROE) | 5.3108% | 4,491 |
| Retained earnings to average equity (ytd only) | 5.3108% | 2,413 |
| Net charge-offs to loans | 0.1658% | 3,152 |
| Credit loss provision to net charge-offs | -495.0495% | 6,136 |
| Earnings coverage of net charge-offs (x) | -5.0297% | 5,392 |
| Efficiency ratio | 110.5132% | 262 |
| Assets per employee ($millions) | 3.7586% | 4,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7705% | 106 |
| Loan loss allowance to noncurrent loans | 170.6597% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 1,909 |
| Noncurrent loans to loans | 2.7953% | 1,268 |
| Net loans and leases to total assets | 41.2160% | 5,877 |
| Net loans and leases to deposits | 43.4290% | 6,150 |
| Net loans and leases to core deposits | 43.9977% | 6,223 |
| Total domestic deposits to total assets | 94.9044% | 50 |
| Equity capital to assets | 4.6384% | 6,710 |
| Core capital (leverage) ratio | 5.5307% | 6,685 |
| Tier 1 risk-based capital ratio | 11.1562% | 6,093 |
| Total risk-based capital ratio | 12.4426% | 6,027 |
| Memoranda: | ||
| Average total assets | $145,842,800 | 3,769 |
| Average earning assets | $130,839,000 | 3,828 |
| Average equity | $7,362,400 | 5,487 |
| Average total loans | $60,930,800 | 4,585 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 6,076 |
| Cost of funding earning assets | 0.4231% | 4,579 |
| Net interest margin | 2.8635% | 5,890 |
| Noninterest income to average assets | 0.6448% | 2,905 |
| Noninterest expense to average assets | 3.5543% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3447% | 6,546 |
| Return on assets (ROA) | -0.0828% | 6,405 |
| Pretax return on assets | -0.0809% | 6,382 |
| Return on Equity (ROE) | -1.6077% | 6,463 |
| Retained earnings to average equity (ytd only) | -1.6077% | 6,215 |
| Net charge-offs to loans | 0.2416% | 2,363 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -3.4273% | 5,111 |
| Efficiency ratio | 110.6769% | 259 |
| Assets per employee ($millions) | 3.8649% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5432% | 79 |
| Loan loss allowance to noncurrent loans | 93.4275% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 3.1811% | 1,132 |
| Noncurrent loans to loans | 5.9332% | 437 |
| Net loans and leases to total assets | 39.9126% | 6,040 |
| Net loans and leases to deposits | 42.0243% | 6,302 |
| Net loans and leases to core deposits | 43.4475% | 6,329 |
| Total domestic deposits to total assets | 94.9750% | 41 |
| Equity capital to assets | 4.7063% | 6,793 |
| Core capital (leverage) ratio | 5.2885% | 6,773 |
| Tier 1 risk-based capital ratio | 10.7092% | 6,388 |
| Total risk-based capital ratio | 12.0049% | 6,347 |
| Memoranda: | ||
| Average total assets | $146,596,500 | 3,805 |
| Average earning assets | $131,396,250 | 3,851 |
| Average equity | $7,546,750 | 5,509 |
| Average total loans | $60,709,250 | 4,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2757% | 6,122 |
| Cost of funding earning assets | 0.4313% | 4,648 |
| Net interest margin | 2.8444% | 5,913 |
| Noninterest income to average assets | 0.6826% | 2,729 |
| Noninterest expense to average assets | 3.5998% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3279% | 6,569 |
| Return on assets (ROA) | 0.0287% | 6,341 |
| Pretax return on assets | 0.0314% | 6,320 |
| Return on Equity (ROE) | 0.5414% | 6,304 |
| Retained earnings to average equity (ytd only) | 0.5414% | 5,687 |
| Net charge-offs to loans | 0.5310% | 1,246 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.6500% | 4,751 |
| Efficiency ratio | 111.1252% | 261 |
| Assets per employee ($millions) | 3.6950% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9632% | 65 |
| Loan loss allowance to noncurrent loans | 85.4766% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 3.6237% | 1,036 |
| Noncurrent loans to loans | 6.9764% | 346 |
| Net loans and leases to total assets | 37.0970% | 6,231 |
| Net loans and leases to deposits | 39.2124% | 6,443 |
| Net loans and leases to core deposits | 40.4172% | 6,455 |
| Total domestic deposits to total assets | 94.6054% | 45 |
| Equity capital to assets | 5.0616% | 6,824 |
| Core capital (leverage) ratio | 5.3371% | 6,806 |
| Tier 1 risk-based capital ratio | 11.0947% | 6,294 |
| Total risk-based capital ratio | 12.3917% | 6,249 |
| Memoranda: | ||
| Average total assets | $146,506,670 | 3,828 |
| Average earning assets | $131,697,000 | 3,873 |
| Average equity | $7,758,330 | 5,496 |
| Average total loans | $60,259,670 | 4,665 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2758% | 6,193 |
| Cost of funding earning assets | 0.4428% | 4,674 |
| Net interest margin | 2.8331% | 5,964 |
| Noninterest income to average assets | 0.7258% | 2,451 |
| Noninterest expense to average assets | 3.6071% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3168% | 6,585 |
| Return on assets (ROA) | 0.1435% | 6,156 |
| Pretax return on assets | 0.1435% | 6,184 |
| Return on Equity (ROE) | 2.6532% | 5,724 |
| Retained earnings to average equity (ytd only) | 2.6532% | 4,693 |
| Net charge-offs to loans | -0.7488% | 6,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6296% | 331 |
| Assets per employee ($millions) | 4.0253% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2044% | 64 |
| Loan loss allowance to noncurrent loans | 54.1827% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 4.9955% | 734 |
| Noncurrent loans to loans | 11.4509% | 152 |
| Net loans and leases to total assets | 38.2449% | 6,134 |
| Net loans and leases to deposits | 40.6590% | 6,390 |
| Net loans and leases to core deposits | 41.3220% | 6,423 |
| Total domestic deposits to total assets | 94.0626% | 70 |
| Equity capital to assets | 5.4364% | 6,867 |
| Core capital (leverage) ratio | 5.2960% | 6,859 |
| Tier 1 risk-based capital ratio | 10.9143% | 6,444 |
| Total risk-based capital ratio | 12.2148% | 6,388 |
| Memoranda: | ||
| Average total assets | $147,707,000 | 3,850 |
| Average earning assets | $133,706,000 | 3,864 |
| Average equity | $7,990,500 | 5,486 |
| Average total loans | $61,965,000 | 4,632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 5,830 |
| Cost of funding earning assets | 0.5148% | 5,117 |
| Net interest margin | 3.2806% | 5,320 |
| Noninterest income to average assets | 0.8031% | 2,253 |
| Noninterest expense to average assets | 4.0893% | 869 |
| Loan and lease loss provision to assets | 1.3083% | 265 |
| Net operating income to assets | -1.6286% | 6,884 |
| Return on assets (ROA) | -1.2607% | 6,822 |
| Pretax return on assets | -1.2594% | 6,792 |
| Return on Equity (ROE) | -20.0138% | 6,883 |
| Retained earnings to average equity (ytd only) | -20.0138% | 6,852 |
| Net charge-offs to loans | 3.1845% | 144 |
| Credit loss provision to net charge-offs | 85.0945% | 3,664 |
| Earnings coverage of net charge-offs (x) | -0.2075% | 5,578 |
| Efficiency ratio | 108.4603% | 357 |
| Assets per employee ($millions) | 4.4266% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4748% | 96 |
| Loan loss allowance to noncurrent loans | 51.5389% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 4.9414% | 788 |
| Noncurrent loans to loans | 10.6226% | 202 |
| Net loans and leases to total assets | 40.7254% | 6,122 |
| Net loans and leases to deposits | 43.3044% | 6,407 |
| Net loans and leases to core deposits | 45.1188% | 6,415 |
| Total domestic deposits to total assets | 94.0446% | 67 |
| Equity capital to assets | 5.3839% | 6,927 |
| Core capital (leverage) ratio | 5.1056% | 6,928 |
| Tier 1 risk-based capital ratio | 10.2715% | 6,628 |
| Total risk-based capital ratio | 11.5666% | 6,577 |
| Memoranda: | ||
| Average total assets | $151,418,200 | 3,748 |
| Average earning assets | $136,954,600 | 3,774 |
| Average equity | $9,538,400 | 5,093 |
| Average total loans | $73,104,200 | 4,233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 5,848 |
| Cost of funding earning assets | 0.5297% | 5,247 |
| Net interest margin | 3.3433% | 5,236 |
| Noninterest income to average assets | 0.8537% | 2,008 |
| Noninterest expense to average assets | 4.0127% | 922 |
| Loan and lease loss provision to assets | 0.7473% | 664 |
| Net operating income to assets | -0.8819% | 6,827 |
| Return on assets (ROA) | -0.3921% | 6,688 |
| Pretax return on assets | -0.3921% | 6,652 |
| Return on Equity (ROE) | -6.0082% | 6,754 |
| Retained earnings to average equity (ytd only) | -6.0082% | 6,672 |
| Net charge-offs to loans | 0.4913% | 2,141 |
| Credit loss provision to net charge-offs | 306.8592% | 879 |
| Earnings coverage of net charge-offs (x) | -0.5523% | 5,512 |
| Efficiency ratio | 103.4686% | 429 |
| Assets per employee ($millions) | 4.4558% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3595% | 58 |
| Loan loss allowance to noncurrent loans | 49.3269% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 6.4436% | 593 |
| Noncurrent loans to loans | 12.8927% | 141 |
| Net loans and leases to total assets | 43.4448% | 6,010 |
| Net loans and leases to deposits | 46.6500% | 6,343 |
| Net loans and leases to core deposits | 48.3771% | 6,391 |
| Total domestic deposits to total assets | 93.1293% | 102 |
| Equity capital to assets | 6.2509% | 6,970 |
| Core capital (leverage) ratio | 5.9984% | 6,948 |
| Tier 1 risk-based capital ratio | 11.5304% | 6,211 |
| Total risk-based capital ratio | 12.8359% | 6,155 |
| Memoranda: | ||
| Average total assets | $151,647,000 | 3,789 |
| Average earning assets | $137,187,000 | 3,808 |
| Average equity | $9,897,250 | 5,047 |
| Average total loans | $75,169,500 | 4,226 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 5,411 |
| Cost of funding earning assets | 0.5507% | 5,299 |
| Net interest margin | 3.5215% | 4,585 |
| Noninterest income to average assets | 0.9664% | 1,556 |
| Noninterest expense to average assets | 4.0330% | 905 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1197% | 6,117 |
| Return on assets (ROA) | 0.3547% | 5,631 |
| Pretax return on assets | 0.3573% | 5,808 |
| Return on Equity (ROE) | 5.3587% | 4,642 |
| Retained earnings to average equity (ytd only) | 5.3587% | 3,065 |
| Net charge-offs to loans | 0.7969% | 1,383 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.2974% | 4,932 |
| Efficiency ratio | 97.1111% | 652 |
| Assets per employee ($millions) | 4.1853% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8273% | 189 |
| Loan loss allowance to noncurrent loans | 60.7820% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 4.3857% | 1,134 |
| Noncurrent loans to loans | 7.9419% | 444 |
| Net loans and leases to total assets | 46.9894% | 5,726 |
| Net loans and leases to deposits | 50.7153% | 6,133 |
| Net loans and leases to core deposits | 53.7019% | 6,112 |
| Total domestic deposits to total assets | 92.6535% | 148 |
| Equity capital to assets | 6.7638% | 6,946 |
| Core capital (leverage) ratio | 6.2495% | 6,959 |
| Tier 1 risk-based capital ratio | 11.6684% | 6,125 |
| Total risk-based capital ratio | 12.9565% | 6,087 |
| Memoranda: | ||
| Average total assets | $151,696,670 | 3,808 |
| Average earning assets | $137,270,330 | 3,827 |
| Average equity | $10,039,670 | 5,021 |
| Average total loans | $76,796,670 | 4,193 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 5,107 |
| Cost of funding earning assets | 0.5803% | 5,284 |
| Net interest margin | 3.6191% | 4,186 |
| Noninterest income to average assets | 0.9066% | 1,716 |
| Noninterest expense to average assets | 3.8499% | 1,135 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3180% | 5,599 |
| Return on assets (ROA) | 0.5124% | 4,981 |
| Pretax return on assets | 0.5124% | 5,388 |
| Return on Equity (ROE) | 7.8282% | 3,355 |
| Retained earnings to average equity (ytd only) | 7.8282% | 2,044 |
| Net charge-offs to loans | 1.3744% | 735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.4515% | 4,121 |
| Efficiency ratio | 92.3707% | 924 |
| Assets per employee ($millions) | 4.4138% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6986% | 220 |
| Loan loss allowance to noncurrent loans | 47.0382% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 5.4941% | 893 |
| Noncurrent loans to loans | 9.9890% | 305 |
| Net loans and leases to total assets | 46.3228% | 5,746 |
| Net loans and leases to deposits | 49.6489% | 6,166 |
| Net loans and leases to core deposits | 52.7233% | 6,150 |
| Total domestic deposits to total assets | 93.3007% | 121 |
| Equity capital to assets | 6.2719% | 7,040 |
| Core capital (leverage) ratio | 6.3093% | 6,995 |
| Tier 1 risk-based capital ratio | 11.3022% | 6,388 |
| Total risk-based capital ratio | 12.5858% | 6,352 |
| Memoranda: | ||
| Average total assets | $152,210,000 | 3,833 |
| Average earning assets | $137,160,500 | 3,863 |
| Average equity | $9,964,000 | 5,052 |
| Average total loans | $78,000,000 | 4,184 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 6,436 |
| Cost of funding earning assets | 0.7117% | 5,464 |
| Net interest margin | 3.2975% | 5,811 |
| Noninterest income to average assets | 1.0599% | 1,195 |
| Noninterest expense to average assets | 4.3241% | 705 |
| Loan and lease loss provision to assets | 0.1159% | 5,150 |
| Net operating income to assets | -0.4132% | 6,427 |
| Return on assets (ROA) | -0.1735% | 6,303 |
| Pretax return on assets | -0.1723% | 6,263 |
| Return on Equity (ROE) | -2.8828% | 6,402 |
| Retained earnings to average equity (ytd only) | -2.8828% | 6,259 |
| Net charge-offs to loans | 0.6793% | 2,459 |
| Credit loss provision to net charge-offs | 31.4476% | 5,761 |
| Earnings coverage of net charge-offs (x) | -0.8037% | 6,155 |
| Efficiency ratio | 107.3505% | 492 |
| Assets per employee ($millions) | 3.9330% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9476% | 181 |
| Loan loss allowance to noncurrent loans | 44.1887% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 6.7577% | 689 |
| Noncurrent loans to loans | 11.1966% | 256 |
| Net loans and leases to total assets | 51.4479% | 5,395 |
| Net loans and leases to deposits | 55.8583% | 5,909 |
| Net loans and leases to core deposits | 62.8029% | 5,564 |
| Total domestic deposits to total assets | 92.1043% | 224 |
| Equity capital to assets | 6.8457% | 6,997 |
| Core capital (leverage) ratio | 6.3033% | 7,013 |
| Tier 1 risk-based capital ratio | 11.1386% | 6,381 |
| Total risk-based capital ratio | 12.4312% | 6,339 |
| Memoranda: | ||
| Average total assets | $163,130,400 | 3,588 |
| Average earning assets | $146,838,600 | 3,628 |
| Average equity | $9,816,800 | 5,063 |
| Average total loans | $88,471,800 | 3,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 6,571 |
| Cost of funding earning assets | 0.7346% | 5,563 |
| Net interest margin | 3.2744% | 5,936 |
| Noninterest income to average assets | 0.8516% | 1,831 |
| Noninterest expense to average assets | 4.1814% | 815 |
| Loan and lease loss provision to assets | 0.1504% | 4,567 |
| Net operating income to assets | -0.5340% | 6,651 |
| Return on assets (ROA) | -0.2228% | 6,485 |
| Pretax return on assets | -0.2212% | 6,429 |
| Return on Equity (ROE) | -3.8170% | 6,618 |
| Retained earnings to average equity (ytd only) | -3.8170% | 6,497 |
| Net charge-offs to loans | 0.8537% | 1,862 |
| Credit loss provision to net charge-offs | 32.4742% | 5,377 |
| Earnings coverage of net charge-offs (x) | -0.8247% | 5,906 |
| Efficiency ratio | 110.0545% | 426 |
| Assets per employee ($millions) | 4.0603% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9447% | 195 |
| Loan loss allowance to noncurrent loans | 41.6286% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 6.7548% | 749 |
| Noncurrent loans to loans | 11.8781% | 242 |
| Net loans and leases to total assets | 48.7912% | 5,863 |
| Net loans and leases to deposits | 52.7215% | 6,315 |
| Net loans and leases to core deposits | 65.4791% | 5,469 |
| Total domestic deposits to total assets | 92.5452% | 156 |
| Equity capital to assets | 6.4470% | 7,139 |
| Core capital (leverage) ratio | 5.9810% | 7,143 |
| Tier 1 risk-based capital ratio | 10.8782% | 6,616 |
| Total risk-based capital ratio | 12.1682% | 6,570 |
| Memoranda: | ||
| Average total assets | $167,532,500 | 3,554 |
| Average earning assets | $150,820,750 | 3,591 |
| Average equity | $9,780,500 | 5,099 |
| Average total loans | $90,898,500 | 3,870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 6,710 |
| Cost of funding earning assets | 0.7464% | 5,692 |
| Net interest margin | 3.2240% | 6,083 |
| Noninterest income to average assets | 0.8072% | 1,988 |
| Noninterest expense to average assets | 4.2141% | 817 |
| Loan and lease loss provision to assets | 0.2198% | 3,719 |
| Net operating income to assets | -0.7200% | 6,826 |
| Return on assets (ROA) | -0.7200% | 6,836 |
| Pretax return on assets | -0.7177% | 6,781 |
| Return on Equity (ROE) | -12.7301% | 7,005 |
| Retained earnings to average equity (ytd only) | -12.7301% | 6,966 |
| Net charge-offs to loans | 1.1519% | 1,357 |
| Credit loss provision to net charge-offs | 34.6154% | 4,915 |
| Earnings coverage of net charge-offs (x) | -0.7839% | 5,599 |
| Efficiency ratio | 113.3959% | 419 |
| Assets per employee ($millions) | 4.2844% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4792% | 281 |
| Loan loss allowance to noncurrent loans | 34.7032% | 6,002 |
| Noncurrent assets plus other real estate owned to assets | 7.4229% | 657 |
| Noncurrent loans to loans | 12.9070% | 210 |
| Net loans and leases to total assets | 50.4390% | 5,763 |
| Net loans and leases to deposits | 54.3999% | 6,281 |
| Net loans and leases to core deposits | 64.2517% | 5,700 |
| Total domestic deposits to total assets | 92.7189% | 147 |
| Equity capital to assets | 5.8567% | 7,261 |
| Core capital (leverage) ratio | 5.5422% | 7,253 |
| Tier 1 risk-based capital ratio | 9.2849% | 7,144 |
| Total risk-based capital ratio | 10.5694% | 7,134 |
| Memoranda: | ||
| Average total assets | $171,946,670 | 3,498 |
| Average earning assets | $155,147,330 | 3,539 |
| Average equity | $9,725,000 | 5,114 |
| Average total loans | $94,799,330 | 3,820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0199% | 6,659 |
| Cost of funding earning assets | 0.7857% | 5,636 |
| Net interest margin | 3.2342% | 5,973 |
| Noninterest income to average assets | 0.7455% | 2,278 |
| Noninterest expense to average assets | 4.1107% | 911 |
| Loan and lease loss provision to assets | 0.4335% | 2,028 |
| Net operating income to assets | -0.8717% | 6,993 |
| Return on assets (ROA) | -0.8694% | 6,996 |
| Pretax return on assets | -0.8694% | 6,949 |
| Return on Equity (ROE) | -15.6377% | 7,158 |
| Retained earnings to average equity (ytd only) | -15.6377% | 7,062 |
| Net charge-offs to loans | 1.3907% | 987 |
| Credit loss provision to net charge-offs | 55.4252% | 3,644 |
| Earnings coverage of net charge-offs (x) | -0.5601% | 4,812 |
| Efficiency ratio | 111.9300% | 460 |
| Assets per employee ($millions) | 4.4866% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4462% | 297 |
| Loan loss allowance to noncurrent loans | 38.8142% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 6.9981% | 768 |
| Noncurrent loans to loans | 11.4550% | 313 |
| Net loans and leases to total assets | 52.4013% | 5,526 |
| Net loans and leases to deposits | 56.5379% | 6,081 |
| Net loans and leases to core deposits | 69.9420% | 5,050 |
| Total domestic deposits to total assets | 92.6834% | 163 |
| Equity capital to assets | 5.5974% | 7,333 |
| Core capital (leverage) ratio | 5.3743% | 7,323 |
| Tier 1 risk-based capital ratio | 8.9833% | 7,223 |
| Total risk-based capital ratio | 10.2678% | 7,227 |
| Memoranda: | ||
| Average total assets | $174,374,500 | 3,478 |
| Average earning assets | $157,813,000 | 3,506 |
| Average equity | $9,694,500 | 5,121 |
| Average total loans | $98,083,500 | 3,769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 6,070 |
| Cost of funding earning assets | 1.1173% | 5,037 |
| Net interest margin | 3.4957% | 5,258 |
| Noninterest income to average assets | 0.3877% | 4,992 |
| Noninterest expense to average assets | 3.6941% | 1,715 |
| Loan and lease loss provision to assets | 3.3037% | 255 |
| Net operating income to assets | -3.4500% | 7,369 |
| Return on assets (ROA) | -3.4258% | 7,377 |
| Pretax return on assets | -3.4258% | 7,355 |
| Return on Equity (ROE) | -51.4954% | 7,430 |
| Retained earnings to average equity (ytd only) | -51.4954% | 7,427 |
| Net charge-offs to loans | 3.4391% | 424 |
| Credit loss provision to net charge-offs | 156.9608% | 2,246 |
| Earnings coverage of net charge-offs (x) | -0.0695% | 6,191 |
| Efficiency ratio | 104.1222% | 670 |
| Assets per employee ($millions) | 4.4565% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1969% | 337 |
| Loan loss allowance to noncurrent loans | 34.2664% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 7.7780% | 652 |
| Noncurrent loans to loans | 12.2479% | 274 |
| Net loans and leases to total assets | 55.1793% | 5,460 |
| Net loans and leases to deposits | 60.9940% | 5,956 |
| Net loans and leases to core deposits | 75.0517% | 4,845 |
| Total domestic deposits to total assets | 90.4667% | 855 |
| Equity capital to assets | 5.5234% | 7,394 |
| Core capital (leverage) ratio | 5.2774% | 7,388 |
| Tier 1 risk-based capital ratio | 8.5533% | 7,300 |
| Total risk-based capital ratio | 9.8356% | 7,304 |
| Memoranda: | ||
| Average total assets | $190,087,800 | 3,226 |
| Average earning assets | $171,841,800 | 3,247 |
| Average equity | $12,645,800 | 4,448 |
| Average total loans | $116,338,000 | 3,395 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 5,978 |
| Cost of funding earning assets | 1.1712% | 5,029 |
| Net interest margin | 3.5397% | 5,138 |
| Noninterest income to average assets | 0.2549% | 6,079 |
| Noninterest expense to average assets | 3.6067% | 1,775 |
| Loan and lease loss provision to assets | 3.2496% | 243 |
| Net operating income to assets | -3.4057% | 7,504 |
| Return on assets (ROA) | -3.3739% | 7,514 |
| Pretax return on assets | -3.3739% | 7,481 |
| Return on Equity (ROE) | -48.8033% | 7,551 |
| Retained earnings to average equity (ytd only) | -48.8033% | 7,548 |
| Net charge-offs to loans | 3.2699% | 436 |
| Credit loss provision to net charge-offs | 160.1975% | 2,363 |
| Earnings coverage of net charge-offs (x) | -0.0770% | 6,092 |
| Efficiency ratio | 104.5236% | 623 |
| Assets per employee ($millions) | 4.5248% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5072% | 535 |
| Loan loss allowance to noncurrent loans | 47.2682% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 5.4330% | 1,145 |
| Noncurrent loans to loans | 7.4197% | 728 |
| Net loans and leases to total assets | 56.3267% | 5,501 |
| Net loans and leases to deposits | 63.2667% | 5,999 |
| Net loans and leases to core deposits | 78.1476% | 4,787 |
| Total domestic deposits to total assets | 89.0306% | 1,376 |
| Equity capital to assets | 6.6636% | 7,401 |
| Core capital (leverage) ratio | 5.7814% | 7,464 |
| Tier 1 risk-based capital ratio | 9.1112% | 7,343 |
| Total risk-based capital ratio | 10.3809% | 7,354 |
| Memoranda: | ||
| Average total assets | $193,045,000 | 3,238 |
| Average earning assets | $174,286,000 | 3,247 |
| Average equity | $13,345,750 | 4,361 |
| Average total loans | $119,754,750 | 3,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7536% | 5,959 |
| Cost of funding earning assets | 1.1825% | 5,224 |
| Net interest margin | 3.5711% | 4,941 |
| Noninterest income to average assets | -0.2536% | 7,696 |
| Noninterest expense to average assets | 3.5673% | 1,862 |
| Loan and lease loss provision to assets | 3.1705% | 302 |
| Net operating income to assets | -3.7606% | 7,598 |
| Return on assets (ROA) | -3.7135% | 7,602 |
| Pretax return on assets | -3.7135% | 7,571 |
| Return on Equity (ROE) | -53.1094% | 7,623 |
| Retained earnings to average equity (ytd only) | -53.1094% | 7,619 |
| Net charge-offs to loans | 2.7530% | 598 |
| Credit loss provision to net charge-offs | 182.2457% | 2,156 |
| Earnings coverage of net charge-offs (x) | -0.3392% | 5,942 |
| Efficiency ratio | 119.8214% | 420 |
| Assets per employee ($millions) | 4.6538% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7183% | 1,071 |
| Loan loss allowance to noncurrent loans | 50.0292% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 4.0157% | 1,717 |
| Noncurrent loans to loans | 5.4334% | 1,217 |
| Net loans and leases to total assets | 61.3234% | 4,815 |
| Net loans and leases to deposits | 68.5197% | 5,489 |
| Net loans and leases to core deposits | 80.5963% | 4,613 |
| Total domestic deposits to total assets | 89.4974% | 1,182 |
| Equity capital to assets | 6.4534% | 7,472 |
| Core capital (leverage) ratio | 6.1369% | 7,459 |
| Tier 1 risk-based capital ratio | 8.6362% | 7,465 |
| Total risk-based capital ratio | 9.9012% | 7,480 |
| Memoranda: | ||
| Average total assets | $195,554,670 | 3,227 |
| Average earning assets | $176,918,670 | 3,232 |
| Average equity | $13,673,670 | 4,277 |
| Average total loans | $123,575,330 | 3,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 5,946 |
| Cost of funding earning assets | 1.1945% | 5,437 |
| Net interest margin | 3.5904% | 4,772 |
| Noninterest income to average assets | -1.0658% | 7,902 |
| Noninterest expense to average assets | 3.8867% | 1,191 |
| Loan and lease loss provision to assets | 5.9294% | 119 |
| Net operating income to assets | -7.6471% | 7,860 |
| Return on assets (ROA) | -7.5519% | 7,857 |
| Pretax return on assets | -7.5519% | 7,847 |
| Return on Equity (ROE) | -103.8602% | 7,836 |
| Retained earnings to average equity (ytd only) | -103.8602% | 7,832 |
| Net charge-offs to loans | 5.3447% | 219 |
| Credit loss provision to net charge-offs | 175.3366% | 2,077 |
| Earnings coverage of net charge-offs (x) | -0.5080% | 5,282 |
| Efficiency ratio | 179.1985% | 125 |
| Assets per employee ($millions) | 4.4525% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6295% | 1,147 |
| Loan loss allowance to noncurrent loans | 49.4691% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 3.9737% | 1,730 |
| Noncurrent loans to loans | 5.3154% | 1,331 |
| Net loans and leases to total assets | 61.6382% | 4,827 |
| Net loans and leases to deposits | 69.2460% | 5,439 |
| Net loans and leases to core deposits | 81.8064% | 4,520 |
| Total domestic deposits to total assets | 89.0134% | 1,508 |
| Equity capital to assets | 6.3432% | 7,562 |
| Core capital (leverage) ratio | 6.1484% | 7,557 |
| Tier 1 risk-based capital ratio | 8.2533% | 7,586 |
| Total risk-based capital ratio | 9.5163% | 7,596 |
| Memoranda: | ||
| Average total assets | $193,275,500 | 3,319 |
| Average earning assets | $174,132,000 | 3,335 |
| Average equity | $14,053,500 | 4,232 |
| Average total loans | $122,290,500 | 3,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 6,310 |
| Cost of funding earning assets | 1.6241% | 4,915 |
| Net interest margin | 3.4149% | 5,310 |
| Noninterest income to average assets | 0.7544% | 2,651 |
| Noninterest expense to average assets | 4.0714% | 1,269 |
| Loan and lease loss provision to assets | 2.2957% | 890 |
| Net operating income to assets | -2.6913% | 7,317 |
| Return on assets (ROA) | -2.6172% | 7,305 |
| Pretax return on assets | -2.5032% | 7,143 |
| Return on Equity (ROE) | -30.4501% | 7,412 |
| Retained earnings to average equity (ytd only) | -30.4501% | 7,397 |
| Net charge-offs to loans | 3.8254% | 451 |
| Credit loss provision to net charge-offs | 93.8574% | 5,860 |
| Earnings coverage of net charge-offs (x) | -0.1151% | 6,348 |
| Efficiency ratio | 107.4300% | 856 |
| Assets per employee ($millions) | 3.9717% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6838% | 2,946 |
| Loan loss allowance to noncurrent loans | 43.8350% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.4846% | 1,934 |
| Noncurrent loans to loans | 3.8411% | 1,942 |
| Net loans and leases to total assets | 62.1769% | 4,951 |
| Net loans and leases to deposits | 73.3412% | 5,145 |
| Net loans and leases to core deposits | 96.1916% | 4,449 |
| Total domestic deposits to total assets | 84.7776% | 3,667 |
| Equity capital to assets | 8.2249% | 6,313 |
| Core capital (leverage) ratio | 8.0870% | 6,016 |
| Tier 1 risk-based capital ratio | 10.8048% | 6,111 |
| Total risk-based capital ratio | 12.0575% | 6,079 |
| Memoranda: | ||
| Average total assets | $190,353,600 | 3,281 |
| Average earning assets | $169,200,000 | 3,365 |
| Average equity | $16,361,200 | 3,812 |
| Average total loans | $121,712,000 | 3,448 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 6,263 |
| Cost of funding earning assets | 1.7372% | 4,714 |
| Net interest margin | 3.3639% | 5,395 |
| Noninterest income to average assets | 0.7925% | 2,470 |
| Noninterest expense to average assets | 4.1082% | 1,131 |
| Loan and lease loss provision to assets | 1.9620% | 930 |
| Net operating income to assets | -2.2801% | 7,401 |
| Return on assets (ROA) | -2.1820% | 7,370 |
| Pretax return on assets | -2.1918% | 7,249 |
| Return on Equity (ROE) | -25.1151% | 7,506 |
| Retained earnings to average equity (ytd only) | -25.1151% | 7,486 |
| Net charge-offs to loans | 3.3202% | 475 |
| Credit loss provision to net charge-offs | 92.1659% | 5,424 |
| Earnings coverage of net charge-offs (x) | -0.1540% | 6,243 |
| Efficiency ratio | 108.6747% | 791 |
| Assets per employee ($millions) | 4.0170% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 2,380 |
| Loan loss allowance to noncurrent loans | 38.8266% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 3.8581% | 1,669 |
| Noncurrent loans to loans | 4.5615% | 1,519 |
| Net loans and leases to total assets | 61.0455% | 5,418 |
| Net loans and leases to deposits | 72.6858% | 5,555 |
| Net loans and leases to core deposits | 87.8345% | 5,658 |
| Total domestic deposits to total assets | 83.9854% | 3,730 |
| Equity capital to assets | 8.8529% | 5,704 |
| Core capital (leverage) ratio | 8.6476% | 5,227 |
| Tier 1 risk-based capital ratio | 11.9023% | 5,060 |
| Total risk-based capital ratio | 13.1555% | 4,996 |
| Memoranda: | ||
| Average total assets | $190,282,000 | 3,311 |
| Average earning assets | $169,008,250 | 3,386 |
| Average equity | $16,531,500 | 3,804 |
| Average total loans | $121,999,000 | 3,474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 6,377 |
| Cost of funding earning assets | 1.8813% | 4,366 |
| Net interest margin | 3.2321% | 5,796 |
| Noninterest income to average assets | 0.6563% | 3,294 |
| Noninterest expense to average assets | 4.2961% | 948 |
| Loan and lease loss provision to assets | 2.7257% | 564 |
| Net operating income to assets | -3.4816% | 7,764 |
| Return on assets (ROA) | -3.4816% | 7,763 |
| Pretax return on assets | -3.4910% | 7,676 |
| Return on Equity (ROE) | -40.3262% | 7,849 |
| Retained earnings to average equity (ytd only) | -40.3262% | 7,835 |
| Net charge-offs to loans | 2.8813% | 568 |
| Credit loss provision to net charge-offs | 146.0674% | 3,166 |
| Earnings coverage of net charge-offs (x) | -0.4101% | 6,021 |
| Efficiency ratio | 121.6746% | 636 |
| Assets per employee ($millions) | 3.8711% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6011% | 821 |
| Loan loss allowance to noncurrent loans | 45.1938% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.8527% | 1,573 |
| Noncurrent loans to loans | 5.7554% | 971 |
| Net loans and leases to total assets | 61.9074% | 5,373 |
| Net loans and leases to deposits | 75.9267% | 5,188 |
| Net loans and leases to core deposits | 88.0528% | 5,717 |
| Total domestic deposits to total assets | 81.5357% | 4,887 |
| Equity capital to assets | 8.6185% | 5,871 |
| Core capital (leverage) ratio | 8.3532% | 5,705 |
| Tier 1 risk-based capital ratio | 11.5828% | 5,300 |
| Total risk-based capital ratio | 12.8451% | 5,224 |
| Memoranda: | ||
| Average total assets | $190,777,000 | 3,335 |
| Average earning assets | $169,672,000 | 3,397 |
| Average equity | $16,470,670 | 3,816 |
| Average total loans | $123,555,330 | 3,461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 6,544 |
| Cost of funding earning assets | 2.0186% | 4,041 |
| Net interest margin | 3.1168% | 6,152 |
| Noninterest income to average assets | 0.6021% | 3,533 |
| Noninterest expense to average assets | 4.1772% | 967 |
| Loan and lease loss provision to assets | 4.4950% | 202 |
| Net operating income to assets | -5.3125% | 8,061 |
| Return on assets (ROA) | -5.3125% | 8,054 |
| Pretax return on assets | -5.3229% | 8,008 |
| Return on Equity (ROE) | -61.4808% | 8,093 |
| Retained earnings to average equity (ytd only) | -61.4808% | 8,077 |
| Net charge-offs to loans | 5.2779% | 194 |
| Credit loss provision to net charge-offs | 130.3030% | 3,081 |
| Earnings coverage of net charge-offs (x) | -0.2400% | 5,159 |
| Efficiency ratio | 124.7191% | 576 |
| Assets per employee ($millions) | 3.6228% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2675% | 988 |
| Loan loss allowance to noncurrent loans | 44.6771% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8899% | 1,345 |
| Noncurrent loans to loans | 5.0752% | 1,071 |
| Net loans and leases to total assets | 63.2140% | 5,121 |
| Net loans and leases to deposits | 77.6339% | 4,984 |
| Net loans and leases to core deposits | 88.1920% | 5,720 |
| Total domestic deposits to total assets | 81.4258% | 4,780 |
| Equity capital to assets | 8.9600% | 5,399 |
| Core capital (leverage) ratio | 8.8066% | 4,974 |
| Tier 1 risk-based capital ratio | 11.9110% | 5,033 |
| Total risk-based capital ratio | 13.1699% | 4,937 |
| Memoranda: | ||
| Average total assets | $191,323,000 | 3,346 |
| Average earning assets | $168,635,000 | 3,442 |
| Average equity | $16,532,000 | 3,832 |
| Average total loans | $125,050,500 | 3,459 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3406% | 3,729 |
| Cost of funding earning assets | 2.2709% | 5,287 |
| Net interest margin | 4.0696% | 2,835 |
| Noninterest income to average assets | 0.6474% | 3,488 |
| Noninterest expense to average assets | 4.9158% | 655 |
| Loan and lease loss provision to assets | 2.7668% | 347 |
| Net operating income to assets | -3.4196% | 7,896 |
| Return on assets (ROA) | -3.1800% | 7,835 |
| Pretax return on assets | -3.1800% | 7,749 |
| Return on Equity (ROE) | -32.9690% | 8,002 |
| Retained earnings to average equity (ytd only) | -32.9690% | 7,958 |
| Net charge-offs to loans | 4.1109% | 154 |
| Credit loss provision to net charge-offs | 108.1927% | 4,968 |
| Earnings coverage of net charge-offs (x) | -0.2553% | 6,397 |
| Efficiency ratio | 115.3129% | 622 |
| Assets per employee ($millions) | 3.4661% | 4,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 1,550 |
| Loan loss allowance to noncurrent loans | 49.6782% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.3902% | 1,322 |
| Noncurrent loans to loans | 3.7027% | 1,358 |
| Net loans and leases to total assets | 64.8313% | 5,100 |
| Net loans and leases to deposits | 79.1735% | 5,170 |
| Net loans and leases to core deposits | 87.8515% | 5,990 |
| Total domestic deposits to total assets | 81.8850% | 4,244 |
| Equity capital to assets | 8.3194% | 6,392 |
| Core capital (leverage) ratio | 7.8373% | 6,742 |
| Tier 1 risk-based capital ratio | 10.8166% | 5,894 |
| Total risk-based capital ratio | 12.0712% | 5,794 |
| Memoranda: | ||
| Average total assets | $206,193,800 | 3,052 |
| Average earning assets | $183,185,600 | 3,144 |
| Average equity | $19,888,400 | 3,247 |
| Average total loans | $128,268,400 | 3,301 |