Home > Capital Bank, SSB > Performance and Condition Ratios
Capital Bank, SSB, 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 | 4.1749% | 2,361 |
| Cost of funding earning assets | 0.5190% | 1,944 |
| Net interest margin | 3.6560% | 2,671 |
| Noninterest income to average assets | 0.1789% | 5,197 |
| Noninterest expense to average assets | 2.6920% | 3,171 |
| Loan and lease loss provision to assets | 0.0256% | 3,240 |
| Net operating income to assets | 0.9599% | 2,479 |
| Return on assets (ROA) | 0.9599% | 2,538 |
| Pretax return on assets | 0.9599% | 3,546 |
| Return on Equity (ROE) | 9.6395% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.6395% | 895 |
| Net charge-offs to loans | 0.0284% | 2,186 |
| Credit loss provision to net charge-offs | 115.0000% | 1,440 |
| Earnings coverage of net charge-offs (x) | 44.3500% | 964 |
| Efficiency ratio | 73.0211% | 2,403 |
| Assets per employee ($millions) | 9.3198% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 4,146 |
| Loan loss allowance to noncurrent loans | 617.6724% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 4,181 |
| Noncurrent loans to loans | 0.1655% | 4,520 |
| Net loans and leases to total assets | 76.3324% | 1,360 |
| Net loans and leases to deposits | 98.6847% | 710 |
| Net loans and leases to core deposits | 105.9181% | 1,105 |
| Total domestic deposits to total assets | 77.3498% | 5,063 |
| Equity capital to assets | 9.9859% | 3,773 |
| Core capital (leverage) ratio | 9.9777% | 3,526 |
| Tier 1 risk-based capital ratio | 11.4155% | 5,083 |
| Total risk-based capital ratio | 12.3553% | 5,151 |
| Memoranda: | ||
| Average total assets | $360,025,500 | 1,893 |
| Average earning assets | $344,532,000 | 1,850 |
| Average equity | $35,852,500 | 2,041 |
| Average total loans | $281,884,000 | 1,661 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9906% | 3,223 |
| Cost of funding earning assets | 0.5227% | 1,919 |
| Net interest margin | 3.4679% | 3,556 |
| Noninterest income to average assets | 0.1332% | 5,522 |
| Noninterest expense to average assets | 3.0059% | 2,332 |
| Loan and lease loss provision to assets | 0.0880% | 2,604 |
| Net operating income to assets | 0.3933% | 4,963 |
| Return on assets (ROA) | 0.3933% | 5,045 |
| Pretax return on assets | 0.3933% | 5,235 |
| Return on Equity (ROE) | 4.1137% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.1137% | 2,979 |
| Net charge-offs to loans | -0.0063% | 4,849 |
| Credit loss provision to net charge-offs | -1,876.4706% | 5,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9775% | 822 |
| Assets per employee ($millions) | 6.8573% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,252 |
| Loan loss allowance to noncurrent loans | 662.7315% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 4,289 |
| Noncurrent loans to loans | 0.1524% | 4,629 |
| Net loans and leases to total assets | 78.6901% | 1,094 |
| Net loans and leases to deposits | 108.6614% | 258 |
| Net loans and leases to core deposits | 117.3156% | 568 |
| Total domestic deposits to total assets | 72.4177% | 5,531 |
| Equity capital to assets | 9.9302% | 3,790 |
| Core capital (leverage) ratio | 9.4807% | 4,112 |
| Tier 1 risk-based capital ratio | 11.3263% | 5,160 |
| Total risk-based capital ratio | 12.2804% | 5,216 |
| Memoranda: | ||
| Average total assets | $362,585,200 | 1,840 |
| Average earning assets | $350,677,800 | 1,771 |
| Average equity | $34,665,000 | 2,097 |
| Average total loans | $269,815,400 | 1,677 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,435 |
| Cost of funding earning assets | 0.5168% | 1,961 |
| Net interest margin | 3.4309% | 3,737 |
| Noninterest income to average assets | 0.1201% | 5,644 |
| Noninterest expense to average assets | 2.9359% | 2,515 |
| Loan and lease loss provision to assets | 0.1121% | 2,052 |
| Net operating income to assets | 0.4003% | 5,017 |
| Return on assets (ROA) | 0.4003% | 5,115 |
| Pretax return on assets | 0.4003% | 5,307 |
| Return on Equity (ROE) | 4.2266% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.2266% | 3,318 |
| Net charge-offs to loans | -0.0090% | 4,745 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9193% | 910 |
| Assets per employee ($millions) | 6.3015% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 4,106 |
| Loan loss allowance to noncurrent loans | 1,326.0465% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,684 |
| Noncurrent loans to loans | 0.0794% | 5,033 |
| Net loans and leases to total assets | 73.3014% | 1,982 |
| Net loans and leases to deposits | 95.1865% | 1,127 |
| Net loans and leases to core deposits | 102.5356% | 1,443 |
| Total domestic deposits to total assets | 77.0083% | 5,085 |
| Equity capital to assets | 9.5973% | 4,561 |
| Core capital (leverage) ratio | 9.4995% | 4,185 |
| Tier 1 risk-based capital ratio | 11.7905% | 4,924 |
| Total risk-based capital ratio | 12.7891% | 4,977 |
| Memoranda: | ||
| Average total assets | $364,086,500 | 1,843 |
| Average earning assets | $353,175,000 | 1,758 |
| Average equity | $34,479,000 | 2,119 |
| Average total loans | $266,405,250 | 1,697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9230% | 3,533 |
| Cost of funding earning assets | 0.5091% | 2,031 |
| Net interest margin | 3.4139% | 3,838 |
| Noninterest income to average assets | 0.1282% | 5,677 |
| Noninterest expense to average assets | 2.9333% | 2,571 |
| Loan and lease loss provision to assets | 0.1683% | 1,323 |
| Net operating income to assets | 0.3421% | 5,200 |
| Return on assets (ROA) | 0.3421% | 5,286 |
| Pretax return on assets | 0.3421% | 5,431 |
| Return on Equity (ROE) | 3.6290% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.6290% | 3,584 |
| Net charge-offs to loans | -0.0128% | 4,780 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9545% | 969 |
| Assets per employee ($millions) | 6.1246% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 4,219 |
| Loan loss allowance to noncurrent loans | 1,239.1304% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 4,660 |
| Noncurrent loans to loans | 0.0849% | 5,111 |
| Net loans and leases to total assets | 74.1672% | 1,808 |
| Net loans and leases to deposits | 96.7597% | 991 |
| Net loans and leases to core deposits | 103.7227% | 1,339 |
| Total domestic deposits to total assets | 76.6509% | 5,197 |
| Equity capital to assets | 9.5776% | 4,693 |
| Core capital (leverage) ratio | 9.5951% | 4,076 |
| Tier 1 risk-based capital ratio | 11.8616% | 4,931 |
| Total risk-based capital ratio | 12.8787% | 4,978 |
| Memoranda: | ||
| Average total assets | $363,619,330 | 1,846 |
| Average earning assets | $353,146,330 | 1,761 |
| Average equity | $34,279,670 | 2,133 |
| Average total loans | $264,954,000 | 1,701 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,607 |
| Cost of funding earning assets | 0.4990% | 2,117 |
| Net interest margin | 3.3951% | 3,888 |
| Noninterest income to average assets | 0.0932% | 5,846 |
| Noninterest expense to average assets | 2.9181% | 2,639 |
| Loan and lease loss provision to assets | 0.2095% | 928 |
| Net operating income to assets | 0.2632% | 5,402 |
| Return on assets (ROA) | 0.2632% | 5,468 |
| Pretax return on assets | 0.2632% | 5,561 |
| Return on Equity (ROE) | 2.8140% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.8140% | 4,111 |
| Net charge-offs to loans | -0.0260% | 4,997 |
| Credit loss provision to net charge-offs | -1,123.5294% | 4,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8344% | 989 |
| Assets per employee ($millions) | 6.1297% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 4,456 |
| Loan loss allowance to noncurrent loans | 930.2721% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 4,421 |
| Noncurrent loans to loans | 0.1105% | 5,033 |
| Net loans and leases to total assets | 74.0668% | 1,718 |
| Net loans and leases to deposits | 92.5991% | 1,275 |
| Net loans and leases to core deposits | 100.4195% | 1,449 |
| Total domestic deposits to total assets | 79.9865% | 4,747 |
| Equity capital to assets | 9.6280% | 4,537 |
| Core capital (leverage) ratio | 9.4917% | 4,208 |
| Tier 1 risk-based capital ratio | 12.1296% | 4,827 |
| Total risk-based capital ratio | 13.1406% | 4,890 |
| Memoranda: | ||
| Average total assets | $364,752,000 | 1,840 |
| Average earning assets | $354,277,500 | 1,756 |
| Average equity | $34,115,000 | 2,134 |
| Average total loans | $262,003,000 | 1,713 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,716 |
| Cost of funding earning assets | 0.4670% | 2,463 |
| Net interest margin | 3.4300% | 3,797 |
| Noninterest income to average assets | 0.0918% | 5,899 |
| Noninterest expense to average assets | 2.9021% | 2,854 |
| Loan and lease loss provision to assets | 0.2100% | 999 |
| Net operating income to assets | 0.2930% | 5,382 |
| Return on assets (ROA) | 0.2930% | 5,462 |
| Pretax return on assets | 0.2930% | 5,535 |
| Return on Equity (ROE) | 2.8925% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.8925% | 4,000 |
| Net charge-offs to loans | 0.0008% | 4,450 |
| Credit loss provision to net charge-offs | 34,650.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 830.0000% | 74 |
| Efficiency ratio | 84.9364% | 1,095 |
| Assets per employee ($millions) | 5.8434% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,717 |
| Loan loss allowance to noncurrent loans | 479.5066% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 3,906 |
| Noncurrent loans to loans | 0.2043% | 4,684 |
| Net loans and leases to total assets | 68.2974% | 2,654 |
| Net loans and leases to deposits | 83.3988% | 2,436 |
| Net loans and leases to core deposits | 90.4451% | 2,373 |
| Total domestic deposits to total assets | 81.8926% | 4,192 |
| Equity capital to assets | 9.0914% | 5,027 |
| Core capital (leverage) ratio | 9.5143% | 4,151 |
| Tier 1 risk-based capital ratio | 12.2776% | 4,774 |
| Total risk-based capital ratio | 13.2324% | 4,862 |
| Memoranda: | ||
| Average total assets | $330,077,000 | 1,991 |
| Average earning assets | $318,832,600 | 1,898 |
| Average equity | $33,430,800 | 2,126 |
| Average total loans | $241,146,800 | 1,791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,461 |
| Cost of funding earning assets | 0.4616% | 2,563 |
| Net interest margin | 3.5088% | 3,502 |
| Noninterest income to average assets | 0.0861% | 6,004 |
| Noninterest expense to average assets | 2.9265% | 2,757 |
| Loan and lease loss provision to assets | 0.2695% | 603 |
| Net operating income to assets | 0.2758% | 5,524 |
| Return on assets (ROA) | 0.2758% | 5,601 |
| Pretax return on assets | 0.2758% | 5,678 |
| Return on Equity (ROE) | 2.6435% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.6435% | 4,528 |
| Net charge-offs to loans | 0.0006% | 4,175 |
| Credit loss provision to net charge-offs | 64,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,308.2406% | 55 |
| Efficiency ratio | 83.9933% | 1,172 |
| Assets per employee ($millions) | 5.3463% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 4,847 |
| Loan loss allowance to noncurrent loans | 459.2593% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 3,913 |
| Noncurrent loans to loans | 0.2131% | 4,801 |
| Net loans and leases to total assets | 72.2204% | 2,025 |
| Net loans and leases to deposits | 86.9643% | 2,032 |
| Net loans and leases to core deposits | 95.1484% | 1,966 |
| Total domestic deposits to total assets | 83.0461% | 3,805 |
| Equity capital to assets | 9.6976% | 4,521 |
| Core capital (leverage) ratio | 9.7518% | 3,964 |
| Tier 1 risk-based capital ratio | 12.0868% | 5,028 |
| Total risk-based capital ratio | 13.0186% | 5,144 |
| Memoranda: | ||
| Average total assets | $319,101,500 | 2,064 |
| Average earning assets | $307,900,000 | 1,990 |
| Average equity | $33,288,500 | 2,145 |
| Average total loans | $236,947,250 | 1,826 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,449 |
| Cost of funding earning assets | 0.4467% | 2,769 |
| Net interest margin | 3.5137% | 3,446 |
| Noninterest income to average assets | 0.1247% | 5,926 |
| Noninterest expense to average assets | 2.9228% | 2,805 |
| Loan and lease loss provision to assets | 0.3927% | 312 |
| Net operating income to assets | 0.1977% | 5,696 |
| Return on assets (ROA) | 0.1977% | 5,760 |
| Pretax return on assets | 0.1977% | 5,819 |
| Return on Equity (ROE) | 1.8461% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.8461% | 4,773 |
| Net charge-offs to loans | -0.0017% | 4,578 |
| Credit loss provision to net charge-offs | -30,400.0000% | 5,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9013% | 1,389 |
| Assets per employee ($millions) | 5.3436% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 5,097 |
| Loan loss allowance to noncurrent loans | 638.6423% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 3,995 |
| Noncurrent loans to loans | 0.1488% | 5,154 |
| Net loans and leases to total assets | 75.7475% | 1,401 |
| Net loans and leases to deposits | 95.2139% | 1,031 |
| Net loans and leases to core deposits | 104.2885% | 1,169 |
| Total domestic deposits to total assets | 79.5551% | 4,968 |
| Equity capital to assets | 9.9060% | 4,147 |
| Core capital (leverage) ratio | 10.5106% | 2,940 |
| Tier 1 risk-based capital ratio | 12.0112% | 5,141 |
| Total risk-based capital ratio | 12.9275% | 5,264 |
| Memoranda: | ||
| Average total assets | $309,633,000 | 2,125 |
| Average earning assets | $298,602,330 | 2,054 |
| Average equity | $33,151,330 | 2,164 |
| Average total loans | $231,446,000 | 1,872 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9506% | 3,412 |
| Cost of funding earning assets | 0.4218% | 3,048 |
| Net interest margin | 3.5287% | 3,305 |
| Noninterest income to average assets | 0.1256% | 5,975 |
| Noninterest expense to average assets | 3.0636% | 2,385 |
| Loan and lease loss provision to assets | 0.4444% | 248 |
| Net operating income to assets | 0.0189% | 5,993 |
| Return on assets (ROA) | 0.0189% | 6,032 |
| Pretax return on assets | 0.0189% | 6,030 |
| Return on Equity (ROE) | 0.1694% | 6,032 |
| Retained earnings to average equity (ytd only) | 0.1694% | 5,316 |
| Net charge-offs to loans | -0.0055% | 4,519 |
| Credit loss provision to net charge-offs | -10,966.6667% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5569% | 1,130 |
| Assets per employee ($millions) | 4.8057% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 5,343 |
| Loan loss allowance to noncurrent loans | 208.0614% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,549 |
| Noncurrent loans to loans | 0.4451% | 4,251 |
| Net loans and leases to total assets | 77.8400% | 955 |
| Net loans and leases to deposits | 97.6370% | 707 |
| Net loans and leases to core deposits | 110.9299% | 706 |
| Total domestic deposits to total assets | 79.7239% | 5,117 |
| Equity capital to assets | 11.0949% | 2,869 |
| Core capital (leverage) ratio | 11.5635% | 1,953 |
| Tier 1 risk-based capital ratio | 13.1322% | 4,542 |
| Total risk-based capital ratio | 14.0271% | 4,658 |
| Memoranda: | ||
| Average total assets | $296,126,500 | 2,216 |
| Average earning assets | $285,427,000 | 2,139 |
| Average equity | $33,053,000 | 2,178 |
| Average total loans | $218,445,500 | 1,947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 3,959 |
| Cost of funding earning assets | 0.4531% | 3,137 |
| Net interest margin | 3.4898% | 3,837 |
| Noninterest income to average assets | 0.3624% | 4,499 |
| Noninterest expense to average assets | 4.8757% | 340 |
| Loan and lease loss provision to assets | 0.1177% | 2,210 |
| Net operating income to assets | -1.2823% | 6,411 |
| Return on assets (ROA) | -1.2823% | 6,412 |
| Pretax return on assets | -1.2823% | 6,404 |
| Return on Equity (ROE) | -10.0448% | 6,366 |
| Retained earnings to average equity (ytd only) | -10.0448% | 6,318 |
| Net charge-offs to loans | -0.0048% | 5,463 |
| Credit loss provision to net charge-offs | -3,400.0000% | 6,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9869% | 90 |
| Assets per employee ($millions) | 4.3279% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 5,463 |
| Loan loss allowance to noncurrent loans | 118.0707% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 3,419 |
| Noncurrent loans to loans | 0.7668% | 3,399 |
| Net loans and leases to total assets | 68.2841% | 2,518 |
| Net loans and leases to deposits | 82.0763% | 2,461 |
| Net loans and leases to core deposits | 92.6992% | 2,022 |
| Total domestic deposits to total assets | 83.1959% | 4,008 |
| Equity capital to assets | 11.2295% | 2,666 |
| Core capital (leverage) ratio | 11.8772% | 1,709 |
| Tier 1 risk-based capital ratio | 15.9330% | 2,998 |
| Total risk-based capital ratio | 16.8605% | 3,110 |
| Memoranda: | ||
| Average total assets | $259,921,200 | 2,429 |
| Average earning assets | $249,409,600 | 2,350 |
| Average equity | $33,181,200 | 2,096 |
| Average total loans | $186,594,400 | 2,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 3,713 |
| Cost of funding earning assets | 0.4625% | 3,128 |
| Net interest margin | 3.5485% | 3,633 |
| Noninterest income to average assets | 0.5141% | 3,450 |
| Noninterest expense to average assets | 5.0095% | 307 |
| Loan and lease loss provision to assets | 0.1623% | 1,533 |
| Net operating income to assets | -1.2589% | 6,486 |
| Return on assets (ROA) | -1.2589% | 6,484 |
| Pretax return on assets | -1.2589% | 6,475 |
| Return on Equity (ROE) | -9.5257% | 6,436 |
| Retained earnings to average equity (ytd only) | -9.5257% | 6,366 |
| Net charge-offs to loans | 0.0402% | 3,698 |
| Credit loss provision to net charge-offs | 556.3636% | 524 |
| Earnings coverage of net charge-offs (x) | -37.5826% | 4,671 |
| Efficiency ratio | 127.6437% | 95 |
| Assets per employee ($millions) | 3.1169% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 5,635 |
| Loan loss allowance to noncurrent loans | 89.0452% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2439% | 2,472 |
| Noncurrent loans to loans | 0.9986% | 3,074 |
| Net loans and leases to total assets | 76.3434% | 1,174 |
| Net loans and leases to deposits | 96.9759% | 797 |
| Net loans and leases to core deposits | 112.4168% | 642 |
| Total domestic deposits to total assets | 78.7241% | 5,385 |
| Equity capital to assets | 12.8173% | 1,514 |
| Core capital (leverage) ratio | 12.5852% | 1,359 |
| Tier 1 risk-based capital ratio | 16.3256% | 2,890 |
| Total risk-based capital ratio | 17.2413% | 3,012 |
| Memoranda: | ||
| Average total assets | $251,327,250 | 2,530 |
| Average earning assets | $240,730,750 | 2,437 |
| Average equity | $33,214,500 | 2,102 |
| Average total loans | $182,544,500 | 2,210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,888 |
| Cost of funding earning assets | 0.4582% | 3,232 |
| Net interest margin | 3.5042% | 3,771 |
| Noninterest income to average assets | 0.5047% | 3,449 |
| Noninterest expense to average assets | 5.1570% | 286 |
| Loan and lease loss provision to assets | 0.1647% | 1,491 |
| Net operating income to assets | -1.4610% | 6,571 |
| Return on assets (ROA) | -1.4610% | 6,570 |
| Pretax return on assets | -1.4610% | 6,555 |
| Return on Equity (ROE) | -10.9409% | 6,523 |
| Retained earnings to average equity (ytd only) | -10.9409% | 6,441 |
| Net charge-offs to loans | 0.0542% | 3,186 |
| Credit loss provision to net charge-offs | 427.0833% | 659 |
| Earnings coverage of net charge-offs (x) | -33.6042% | 4,351 |
| Efficiency ratio | 133.1807% | 87 |
| Assets per employee ($millions) | 2.9431% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 5,759 |
| Loan loss allowance to noncurrent loans | 158.6011% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 3,231 |
| Noncurrent loans to loans | 0.5591% | 4,343 |
| Net loans and leases to total assets | 70.8094% | 1,945 |
| Net loans and leases to deposits | 87.0372% | 1,702 |
| Net loans and leases to core deposits | 99.5166% | 1,322 |
| Total domestic deposits to total assets | 81.3553% | 4,855 |
| Equity capital to assets | 12.3630% | 1,730 |
| Core capital (leverage) ratio | 12.3030% | 1,497 |
| Tier 1 risk-based capital ratio | 17.1231% | 2,570 |
| Total risk-based capital ratio | 18.0474% | 2,674 |
| Memoranda: | ||
| Average total assets | $248,867,670 | 2,555 |
| Average earning assets | $238,345,670 | 2,463 |
| Average equity | $33,233,000 | 2,084 |
| Average total loans | $176,967,000 | 2,267 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,986 |
| Cost of funding earning assets | 0.4360% | 3,588 |
| Net interest margin | 3.4900% | 3,739 |
| Noninterest income to average assets | 0.4966% | 3,437 |
| Noninterest expense to average assets | 5.5683% | 230 |
| Loan and lease loss provision to assets | 0.1295% | 1,873 |
| Net operating income to assets | -1.8517% | 6,652 |
| Return on assets (ROA) | -1.8517% | 6,648 |
| Pretax return on assets | -1.8517% | 6,633 |
| Return on Equity (ROE) | -13.3230% | 6,594 |
| Retained earnings to average equity (ytd only) | -13.3230% | 6,442 |
| Net charge-offs to loans | -0.0258% | 5,479 |
| Credit loss provision to net charge-offs | -709.0909% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.3869% | 77 |
| Assets per employee ($millions) | 2.5498% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,011 |
| Loan loss allowance to noncurrent loans | 110.1985% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 3,320 |
| Noncurrent loans to loans | 0.7702% | 3,935 |
| Net loans and leases to total assets | 73.7594% | 1,308 |
| Net loans and leases to deposits | 91.7577% | 979 |
| Net loans and leases to core deposits | 110.1503% | 583 |
| Total domestic deposits to total assets | 80.3850% | 5,406 |
| Equity capital to assets | 13.1075% | 1,258 |
| Core capital (leverage) ratio | 13.3852% | 1,011 |
| Tier 1 risk-based capital ratio | 17.5408% | 2,467 |
| Total risk-based capital ratio | 18.4321% | 2,561 |
| Memoranda: | ||
| Average total assets | $240,861,500 | 2,636 |
| Average earning assets | $231,172,500 | 2,543 |
| Average equity | $33,476,000 | 2,061 |
| Average total loans | $170,831,500 | 2,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,982 |
| Cost of funding earning assets | 0.4587% | 4,034 |
| Net interest margin | 3.5709% | 3,600 |
| Noninterest income to average assets | 1.3681% | 747 |
| Noninterest expense to average assets | 5.4157% | 261 |
| Loan and lease loss provision to assets | 0.1373% | 2,588 |
| Net operating income to assets | -0.7529% | 6,557 |
| Return on assets (ROA) | -0.7529% | 6,557 |
| Pretax return on assets | -0.7529% | 6,544 |
| Return on Equity (ROE) | -5.0000% | 6,486 |
| Retained earnings to average equity (ytd only) | -5.0000% | 6,371 |
| Net charge-offs to loans | -0.0263% | 6,197 |
| Credit loss provision to net charge-offs | -787.1795% | 6,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.4255% | 241 |
| Assets per employee ($millions) | 2.2229% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,561 |
| Loan loss allowance to noncurrent loans | 100.7952% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 3,137 |
| Noncurrent loans to loans | 0.9929% | 3,533 |
| Net loans and leases to total assets | 66.3571% | 2,639 |
| Net loans and leases to deposits | 78.4567% | 2,666 |
| Net loans and leases to core deposits | 93.7281% | 1,622 |
| Total domestic deposits to total assets | 84.5779% | 3,936 |
| Equity capital to assets | 14.7879% | 713 |
| Core capital (leverage) ratio | 15.2635% | 575 |
| Tier 1 risk-based capital ratio | 21.9481% | 1,267 |
| Total risk-based capital ratio | 23.0015% | 1,280 |
| Memoranda: | ||
| Average total assets | $223,664,000 | 2,777 |
| Average earning assets | $214,962,600 | 2,673 |
| Average equity | $33,679,800 | 2,048 |
| Average total loans | $148,446,600 | 2,580 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 3,848 |
| Cost of funding earning assets | 0.4669% | 4,094 |
| Net interest margin | 3.6095% | 3,404 |
| Noninterest income to average assets | 1.0372% | 1,354 |
| Noninterest expense to average assets | 5.3106% | 278 |
| Loan and lease loss provision to assets | 0.0724% | 3,615 |
| Net operating income to assets | -0.8775% | 6,690 |
| Return on assets (ROA) | -0.8775% | 6,695 |
| Pretax return on assets | -0.8775% | 6,678 |
| Return on Equity (ROE) | -5.8010% | 6,618 |
| Retained earnings to average equity (ytd only) | -5.8010% | 6,528 |
| Net charge-offs to loans | -0.0244% | 6,109 |
| Credit loss provision to net charge-offs | -448.1481% | 6,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4456% | 195 |
| Assets per employee ($millions) | 1.8790% | 6,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9699% | 5,842 |
| Loan loss allowance to noncurrent loans | 76.4876% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.9676% | 2,060 |
| Noncurrent loans to loans | 1.2680% | 3,284 |
| Net loans and leases to total assets | 69.1777% | 2,105 |
| Net loans and leases to deposits | 83.7196% | 1,911 |
| Net loans and leases to core deposits | 103.0491% | 930 |
| Total domestic deposits to total assets | 82.6302% | 4,710 |
| Equity capital to assets | 16.7501% | 444 |
| Core capital (leverage) ratio | 14.9846% | 645 |
| Tier 1 risk-based capital ratio | 24.3784% | 944 |
| Total risk-based capital ratio | 25.4174% | 957 |
| Memoranda: | ||
| Average total assets | $222,895,000 | 2,801 |
| Average earning assets | $214,167,750 | 2,694 |
| Average equity | $33,717,250 | 2,060 |
| Average total loans | $147,563,500 | 2,606 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 4,062 |
| Cost of funding earning assets | 0.4551% | 4,377 |
| Net interest margin | 3.5549% | 3,544 |
| Noninterest income to average assets | 1.3195% | 895 |
| Noninterest expense to average assets | 5.0213% | 348 |
| Loan and lease loss provision to assets | 0.0517% | 3,955 |
| Net operating income to assets | -0.3266% | 6,567 |
| Return on assets (ROA) | -0.3266% | 6,597 |
| Pretax return on assets | -0.3266% | 6,568 |
| Return on Equity (ROE) | -2.2264% | 6,535 |
| Retained earnings to average equity (ytd only) | -2.2264% | 6,216 |
| Net charge-offs to loans | -0.0383% | 6,166 |
| Credit loss provision to net charge-offs | -206.8966% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3931% | 359 |
| Assets per employee ($millions) | 2.1016% | 6,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 6,134 |
| Loan loss allowance to noncurrent loans | 69.4673% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.4976% | 2,858 |
| Noncurrent loans to loans | 1.2924% | 3,398 |
| Net loans and leases to total assets | 67.1108% | 2,393 |
| Net loans and leases to deposits | 80.5840% | 2,239 |
| Net loans and leases to core deposits | 96.0013% | 1,357 |
| Total domestic deposits to total assets | 83.2805% | 4,596 |
| Equity capital to assets | 16.2615% | 494 |
| Core capital (leverage) ratio | 14.9270% | 625 |
| Tier 1 risk-based capital ratio | 24.6845% | 910 |
| Total risk-based capital ratio | 25.6589% | 931 |
| Memoranda: | ||
| Average total assets | $232,053,330 | 2,723 |
| Average earning assets | $223,692,330 | 2,605 |
| Average equity | $34,045,330 | 2,044 |
| Average total loans | $151,247,670 | 2,551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 5,190 |
| Cost of funding earning assets | 0.4418% | 4,686 |
| Net interest margin | 3.2520% | 4,724 |
| Noninterest income to average assets | 1.2538% | 975 |
| Noninterest expense to average assets | 4.5319% | 520 |
| Loan and lease loss provision to assets | 0.0328% | 4,034 |
| Net operating income to assets | -0.1737% | 6,499 |
| Return on assets (ROA) | -0.1737% | 6,540 |
| Pretax return on assets | -0.1737% | 6,533 |
| Return on Equity (ROE) | -1.2415% | 6,514 |
| Retained earnings to average equity (ytd only) | -1.2415% | 5,983 |
| Net charge-offs to loans | -0.0128% | 5,532 |
| Credit loss provision to net charge-offs | -400.0000% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7996% | 462 |
| Assets per employee ($millions) | 2.5224% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 6,444 |
| Loan loss allowance to noncurrent loans | 54.2702% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 2,925 |
| Noncurrent loans to loans | 1.4907% | 3,317 |
| Net loans and leases to total assets | 64.8627% | 2,561 |
| Net loans and leases to deposits | 76.5720% | 2,539 |
| Net loans and leases to core deposits | 86.1175% | 2,094 |
| Total domestic deposits to total assets | 84.7081% | 4,175 |
| Equity capital to assets | 15.0232% | 750 |
| Core capital (leverage) ratio | 14.0765% | 777 |
| Tier 1 risk-based capital ratio | 23.3230% | 1,108 |
| Total risk-based capital ratio | 24.1899% | 1,144 |
| Memoranda: | ||
| Average total assets | $244,049,000 | 2,644 |
| Average earning assets | $235,424,000 | 2,516 |
| Average equity | $34,151,000 | 2,067 |
| Average total loans | $156,423,000 | 2,507 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 4,656 |
| Cost of funding earning assets | 0.5338% | 4,961 |
| Net interest margin | 3.6481% | 3,886 |
| Noninterest income to average assets | 0.5651% | 3,480 |
| Noninterest expense to average assets | 4.5714% | 538 |
| Loan and lease loss provision to assets | 0.1011% | 4,376 |
| Net operating income to assets | -0.6082% | 6,616 |
| Return on assets (ROA) | -0.6082% | 6,646 |
| Pretax return on assets | -0.6082% | 6,617 |
| Return on Equity (ROE) | -3.1554% | 6,504 |
| Retained earnings to average equity (ytd only) | -3.1554% | 6,273 |
| Net charge-offs to loans | 0.0991% | 4,676 |
| Credit loss provision to net charge-offs | 152.5000% | 1,781 |
| Earnings coverage of net charge-offs (x) | -7.6500% | 5,931 |
| Efficiency ratio | 111.7967% | 306 |
| Assets per employee ($millions) | 3.2635% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7153% | 6,611 |
| Loan loss allowance to noncurrent loans | 60.9011% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 3,377 |
| Noncurrent loans to loans | 1.1746% | 3,892 |
| Net loans and leases to total assets | 62.5169% | 3,161 |
| Net loans and leases to deposits | 75.6444% | 2,862 |
| Net loans and leases to core deposits | 84.2257% | 2,524 |
| Total domestic deposits to total assets | 82.6457% | 4,872 |
| Equity capital to assets | 13.0981% | 1,391 |
| Core capital (leverage) ratio | 16.1217% | 438 |
| Tier 1 risk-based capital ratio | 21.0311% | 1,455 |
| Total risk-based capital ratio | 21.7853% | 1,527 |
| Memoranda: | ||
| Average total assets | $181,040,400 | 3,300 |
| Average earning assets | $173,651,000 | 3,177 |
| Average equity | $34,893,000 | 1,986 |
| Average total loans | $121,050,200 | 3,050 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,913 |
| Cost of funding earning assets | 0.5787% | 4,847 |
| Net interest margin | 3.8542% | 3,101 |
| Noninterest income to average assets | 0.5067% | 3,878 |
| Noninterest expense to average assets | 4.7294% | 451 |
| Loan and lease loss provision to assets | 0.1515% | 3,644 |
| Net operating income to assets | -0.6847% | 6,772 |
| Return on assets (ROA) | -0.6847% | 6,800 |
| Pretax return on assets | -0.6847% | 6,778 |
| Return on Equity (ROE) | -3.1444% | 6,629 |
| Retained earnings to average equity (ytd only) | -3.1444% | 6,489 |
| Net charge-offs to loans | 0.2141% | 3,445 |
| Credit loss provision to net charge-offs | 103.3898% | 2,848 |
| Earnings coverage of net charge-offs (x) | -3.6385% | 5,685 |
| Efficiency ratio | 111.9771% | 273 |
| Assets per employee ($millions) | 2.7825% | 6,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 6,684 |
| Loan loss allowance to noncurrent loans | 43.7745% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.2250% | 2,402 |
| Noncurrent loans to loans | 1.7159% | 3,212 |
| Net loans and leases to total assets | 79.2388% | 574 |
| Net loans and leases to deposits | 108.4565% | 185 |
| Net loans and leases to core deposits | 134.1540% | 163 |
| Total domestic deposits to total assets | 73.0605% | 6,671 |
| Equity capital to assets | 18.4954% | 326 |
| Core capital (leverage) ratio | 19.7193% | 219 |
| Tier 1 risk-based capital ratio | 23.9271% | 1,033 |
| Total risk-based capital ratio | 24.7347% | 1,073 |
| Memoranda: | ||
| Average total assets | $161,029,750 | 3,634 |
| Average earning assets | $154,148,250 | 3,519 |
| Average equity | $35,067,000 | 1,992 |
| Average total loans | $110,213,500 | 3,325 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 4,552 |
| Cost of funding earning assets | 0.6125% | 4,786 |
| Net interest margin | 3.6917% | 3,864 |
| Noninterest income to average assets | 0.6699% | 2,835 |
| Noninterest expense to average assets | 4.6564% | 474 |
| Loan and lease loss provision to assets | 0.1311% | 3,887 |
| Net operating income to assets | -0.5860% | 6,774 |
| Return on assets (ROA) | -0.5860% | 6,801 |
| Pretax return on assets | -0.5860% | 6,766 |
| Return on Equity (ROE) | -2.5353% | 6,649 |
| Retained earnings to average equity (ytd only) | -2.5353% | 6,414 |
| Net charge-offs to loans | 0.0842% | 4,306 |
| Credit loss provision to net charge-offs | 243.9024% | 1,178 |
| Earnings coverage of net charge-offs (x) | -8.4634% | 5,461 |
| Efficiency ratio | 110.0468% | 328 |
| Assets per employee ($millions) | 2.6441% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,987 |
| Loan loss allowance to noncurrent loans | 29.2239% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 3.0909% | 1,772 |
| Noncurrent loans to loans | 3.5745% | 1,602 |
| Net loans and leases to total assets | 71.1072% | 1,719 |
| Net loans and leases to deposits | 91.9094% | 962 |
| Net loans and leases to core deposits | 109.1584% | 608 |
| Total domestic deposits to total assets | 77.3666% | 6,268 |
| Equity capital to assets | 22.3296% | 149 |
| Core capital (leverage) ratio | 22.6317% | 122 |
| Tier 1 risk-based capital ratio | 32.8714% | 408 |
| Total risk-based capital ratio | 34.0170% | 402 |
| Memoranda: | ||
| Average total assets | $152,564,670 | 3,792 |
| Average earning assets | $145,948,670 | 3,681 |
| Average equity | $35,262,670 | 1,962 |
| Average total loans | $97,338,330 | 3,640 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3024% | 4,727 |
| Cost of funding earning assets | 0.6142% | 5,014 |
| Net interest margin | 3.6882% | 3,883 |
| Noninterest income to average assets | 1.1959% | 1,002 |
| Noninterest expense to average assets | 4.2905% | 673 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4243% | 5,142 |
| Return on assets (ROA) | 0.4243% | 5,335 |
| Pretax return on assets | 0.4243% | 5,658 |
| Return on Equity (ROE) | 1.8040% | 6,134 |
| Retained earnings to average equity (ytd only) | 1.8040% | 5,343 |
| Net charge-offs to loans | 0.1823% | 3,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.9024% | 2,716 |
| Efficiency ratio | 90.3262% | 1,068 |
| Assets per employee ($millions) | 4.4638% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 5,499 |
| Loan loss allowance to noncurrent loans | 27.7102% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 2.8806% | 2,020 |
| Noncurrent loans to loans | 4.3189% | 1,384 |
| Net loans and leases to total assets | 55.0228% | 4,548 |
| Net loans and leases to deposits | 82.9682% | 1,797 |
| Net loans and leases to core deposits | 94.9171% | 1,379 |
| Total domestic deposits to total assets | 66.3180% | 7,102 |
| Equity capital to assets | 22.1460% | 144 |
| Core capital (leverage) ratio | 21.7027% | 139 |
| Tier 1 risk-based capital ratio | 42.6865% | 190 |
| Total risk-based capital ratio | 43.9377% | 188 |
| Memoranda: | ||
| Average total assets | $150,845,000 | 3,853 |
| Average earning assets | $143,919,500 | 3,745 |
| Average equity | $35,476,500 | 1,953 |
| Average total loans | $89,957,000 | 3,833 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3682% | 5,543 |
| Cost of funding earning assets | 0.8264% | 4,658 |
| Net interest margin | 3.5418% | 4,977 |
| Noninterest income to average assets | 0.1150% | 6,574 |
| Noninterest expense to average assets | 4.4199% | 633 |
| Loan and lease loss provision to assets | 0.5053% | 2,080 |
| Net operating income to assets | -1.4963% | 6,904 |
| Return on assets (ROA) | -1.4963% | 6,927 |
| Pretax return on assets | -1.4963% | 6,895 |
| Return on Equity (ROE) | -6.4191% | 6,605 |
| Retained earnings to average equity (ytd only) | -6.4191% | 6,536 |
| Net charge-offs to loans | 0.0013% | 6,433 |
| Credit loss provision to net charge-offs | 61,500.0000% | 1 |
| Earnings coverage of net charge-offs (x) | -1,206.0000% | 6,440 |
| Efficiency ratio | 127.2945% | 251 |
| Assets per employee ($millions) | 4.0284% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 5,260 |
| Loan loss allowance to noncurrent loans | 22.3473% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 4.1811% | 1,352 |
| Noncurrent loans to loans | 5.5030% | 960 |
| Net loans and leases to total assets | 63.3443% | 3,324 |
| Net loans and leases to deposits | 108.3924% | 202 |
| Net loans and leases to core deposits | 114.2815% | 490 |
| Total domestic deposits to total assets | 58.4398% | 7,246 |
| Equity capital to assets | 25.0828% | 103 |
| Core capital (leverage) ratio | 27.6443% | 77 |
| Tier 1 risk-based capital ratio | 41.0661% | 216 |
| Total risk-based capital ratio | 42.3167% | 213 |
| Memoranda: | ||
| Average total assets | $121,699,200 | 4,353 |
| Average earning assets | $113,868,200 | 4,285 |
| Average equity | $28,368,600 | 2,306 |
| Average total loans | $76,395,000 | 4,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 6,318 |
| Cost of funding earning assets | 1.7510% | 317 |
| Net interest margin | 2.3983% | 7,179 |
| Noninterest income to average assets | 0.2920% | 5,521 |
| Noninterest expense to average assets | 4.3989% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.8709% | 7,115 |
| Return on assets (ROA) | -1.8709% | 7,126 |
| Pretax return on assets | -1.8709% | 7,097 |
| Return on Equity (ROE) | -8.2143% | 6,824 |
| Retained earnings to average equity (ytd only) | -8.2143% | 6,776 |
| Net charge-offs to loans | 0.1043% | 4,956 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -28.7712% | 6,159 |
| Efficiency ratio | 174.0072% | 88 |
| Assets per employee ($millions) | 2.9013% | 6,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1902% | 728 |
| Loan loss allowance to noncurrent loans | 39.9793% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 6.8443% | 736 |
| Noncurrent loans to loans | 7.9796% | 551 |
| Net loans and leases to total assets | 70.7321% | 1,938 |
| Net loans and leases to deposits | 142.2018% | 36 |
| Net loans and leases to core deposits | 147.5014% | 145 |
| Total domestic deposits to total assets | 49.7406% | 7,361 |
| Equity capital to assets | 30.4002% | 78 |
| Core capital (leverage) ratio | 28.3775% | 86 |
| Tier 1 risk-based capital ratio | 45.4845% | 174 |
| Total risk-based capital ratio | 46.7623% | 173 |
| Memoranda: | ||
| Average total assets | $116,875,750 | 4,508 |
| Average earning assets | $108,964,500 | 4,455 |
| Average equity | $26,619,500 | 2,434 |
| Average total loans | $72,888,000 | 4,425 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0583% | 6,560 |
| Cost of funding earning assets | 1.8035% | 306 |
| Net interest margin | 2.2548% | 7,299 |
| Noninterest income to average assets | 0.2800% | 5,645 |
| Noninterest expense to average assets | 4.2731% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.8950% | 7,176 |
| Return on assets (ROA) | -1.8950% | 7,180 |
| Pretax return on assets | -1.8950% | 7,148 |
| Return on Equity (ROE) | -9.3542% | 6,916 |
| Retained earnings to average equity (ytd only) | -9.3542% | 6,849 |
| Net charge-offs to loans | 0.1799% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -17.9032% | 5,840 |
| Efficiency ratio | 179.6841% | 83 |
| Assets per employee ($millions) | 3.6008% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7050% | 510 |
| Loan loss allowance to noncurrent loans | 33.7037% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 7.1226% | 703 |
| Noncurrent loans to loans | 10.9929% | 318 |
| Net loans and leases to total assets | 54.1341% | 5,275 |
| Net loans and leases to deposits | 107.2505% | 235 |
| Net loans and leases to core deposits | 124.3889% | 338 |
| Total domestic deposits to total assets | 50.4744% | 7,425 |
| Equity capital to assets | 27.6009% | 95 |
| Core capital (leverage) ratio | 30.0671% | 80 |
| Tier 1 risk-based capital ratio | 54.7980% | 131 |
| Total risk-based capital ratio | 56.0870% | 126 |
| Memoranda: | ||
| Average total assets | $117,150,330 | 4,534 |
| Average earning assets | $109,010,670 | 4,476 |
| Average equity | $23,732,670 | 2,677 |
| Average total loans | $68,920,330 | 4,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 5,819 |
| Cost of funding earning assets | 1.9519% | 201 |
| Net interest margin | 2.4096% | 7,253 |
| Noninterest income to average assets | 0.2561% | 5,850 |
| Noninterest expense to average assets | 4.7642% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -2.2865% | 7,319 |
| Return on assets (ROA) | -2.2865% | 7,319 |
| Pretax return on assets | -2.2865% | 7,297 |
| Return on Equity (ROE) | -14.3200% | 7,136 |
| Retained earnings to average equity (ytd only) | -14.3200% | 7,023 |
| Net charge-offs to loans | 0.2808% | 2,944 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -13.4894% | 5,069 |
| Efficiency ratio | 192.2853% | 75 |
| Assets per employee ($millions) | 3.1255% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0655% | 406 |
| Loan loss allowance to noncurrent loans | 34.4762% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 8.2040% | 568 |
| Noncurrent loans to loans | 11.7923% | 289 |
| Net loans and leases to total assets | 56.9384% | 4,812 |
| Net loans and leases to deposits | 95.9402% | 693 |
| Net loans and leases to core deposits | 110.9022% | 687 |
| Total domestic deposits to total assets | 59.3478% | 7,440 |
| Equity capital to assets | 15.4749% | 663 |
| Core capital (leverage) ratio | 16.0132% | 498 |
| Tier 1 risk-based capital ratio | 30.0208% | 521 |
| Total risk-based capital ratio | 31.3129% | 511 |
| Memoranda: | ||
| Average total assets | $110,910,500 | 4,715 |
| Average earning assets | $102,258,500 | 4,677 |
| Average equity | $17,709,500 | 3,448 |
| Average total loans | $66,943,500 | 4,733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1418% | 3,900 |
| Cost of funding earning assets | 2.4739% | 121 |
| Net interest margin | 2.6679% | 7,152 |
| Noninterest income to average assets | 0.1765% | 6,478 |
| Noninterest expense to average assets | 4.0170% | 1,135 |
| Loan and lease loss provision to assets | 0.6222% | 2,650 |
| Net operating income to assets | -2.0225% | 7,062 |
| Return on assets (ROA) | -2.0225% | 7,074 |
| Pretax return on assets | -2.0225% | 7,034 |
| Return on Equity (ROE) | -19.0094% | 7,017 |
| Retained earnings to average equity (ytd only) | -19.0094% | 6,993 |
| Net charge-offs to loans | 0.9096% | 2,369 |
| Credit loss provision to net charge-offs | 103.4431% | 4,353 |
| Earnings coverage of net charge-offs (x) | -2.3278% | 6,719 |
| Efficiency ratio | 153.5100% | 199 |
| Assets per employee ($millions) | 3.1229% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1159% | 361 |
| Loan loss allowance to noncurrent loans | 41.8866% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 8.3612% | 570 |
| Noncurrent loans to loans | 9.8262% | 436 |
| Net loans and leases to total assets | 58.8676% | 4,881 |
| Net loans and leases to deposits | 102.2242% | 477 |
| Net loans and leases to core deposits | 122.0000% | 471 |
| Total domestic deposits to total assets | 57.5867% | 7,526 |
| Equity capital to assets | 16.4744% | 519 |
| Core capital (leverage) ratio | 15.9258% | 519 |
| Tier 1 risk-based capital ratio | 30.7263% | 481 |
| Total risk-based capital ratio | 32.0198% | 468 |
| Memoranda: | ||
| Average total assets | $111,053,400 | 4,685 |
| Average earning assets | $101,579,400 | 4,682 |
| Average equity | $11,815,200 | 4,665 |
| Average total loans | $73,435,600 | 4,554 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2389% | 3,642 |
| Cost of funding earning assets | 2.5429% | 121 |
| Net interest margin | 2.6960% | 7,237 |
| Noninterest income to average assets | 0.0706% | 7,177 |
| Noninterest expense to average assets | 3.8519% | 1,276 |
| Loan and lease loss provision to assets | 0.7008% | 2,189 |
| Net operating income to assets | -2.0175% | 7,245 |
| Return on assets (ROA) | -2.0175% | 7,261 |
| Pretax return on assets | -2.0175% | 7,205 |
| Return on Equity (ROE) | -21.9073% | 7,258 |
| Retained earnings to average equity (ytd only) | -21.9073% | 7,243 |
| Net charge-offs to loans | 1.0042% | 2,000 |
| Credit loss provision to net charge-offs | 103.7168% | 4,133 |
| Earnings coverage of net charge-offs (x) | -1.9487% | 6,531 |
| Efficiency ratio | 151.9340% | 195 |
| Assets per employee ($millions) | 3.6276% | 4,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9905% | 374 |
| Loan loss allowance to noncurrent loans | 45.9987% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 7.7541% | 659 |
| Noncurrent loans to loans | 8.6753% | 568 |
| Net loans and leases to total assets | 59.0270% | 5,101 |
| Net loans and leases to deposits | 97.5287% | 839 |
| Net loans and leases to core deposits | 114.7193% | 806 |
| Total domestic deposits to total assets | 60.5227% | 7,585 |
| Equity capital to assets | 12.0410% | 2,135 |
| Core capital (leverage) ratio | 11.7410% | 1,798 |
| Tier 1 risk-based capital ratio | 22.2009% | 1,178 |
| Total risk-based capital ratio | 23.4913% | 1,140 |
| Memoranda: | ||
| Average total assets | $111,491,000 | 4,728 |
| Average earning assets | $101,927,750 | 4,730 |
| Average equity | $10,267,250 | 5,119 |
| Average total loans | $75,018,000 | 4,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 2,906 |
| Cost of funding earning assets | 2.6503% | 105 |
| Net interest margin | 2.7649% | 7,189 |
| Noninterest income to average assets | 0.1097% | 7,052 |
| Noninterest expense to average assets | 3.8338% | 1,297 |
| Loan and lease loss provision to assets | 0.8743% | 1,662 |
| Net operating income to assets | -2.0797% | 7,330 |
| Return on assets (ROA) | -2.0797% | 7,335 |
| Pretax return on assets | -2.0797% | 7,262 |
| Return on Equity (ROE) | -25.1962% | 7,373 |
| Retained earnings to average equity (ytd only) | -25.1962% | 7,357 |
| Net charge-offs to loans | 1.2497% | 1,523 |
| Credit loss provision to net charge-offs | 101.0395% | 4,036 |
| Earnings coverage of net charge-offs (x) | -1.3929% | 6,167 |
| Efficiency ratio | 145.8590% | 224 |
| Assets per employee ($millions) | 3.9971% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7325% | 458 |
| Loan loss allowance to noncurrent loans | 52.7185% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 6.8117% | 790 |
| Noncurrent loans to loans | 7.0800% | 797 |
| Net loans and leases to total assets | 59.0208% | 5,242 |
| Net loans and leases to deposits | 94.3087% | 1,239 |
| Net loans and leases to core deposits | 109.1351% | 1,226 |
| Total domestic deposits to total assets | 62.5826% | 7,615 |
| Equity capital to assets | 11.7386% | 2,259 |
| Core capital (leverage) ratio | 12.3141% | 1,489 |
| Tier 1 risk-based capital ratio | 21.5912% | 1,257 |
| Total risk-based capital ratio | 22.8789% | 1,232 |
| Memoranda: | ||
| Average total assets | $111,169,000 | 4,769 |
| Average earning assets | $101,271,000 | 4,770 |
| Average equity | $9,176,000 | 5,451 |
| Average total loans | $76,977,670 | 4,540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7930% | 1,484 |
| Cost of funding earning assets | 2.8612% | 70 |
| Net interest margin | 2.9317% | 6,966 |
| Noninterest income to average assets | 0.2247% | 6,353 |
| Noninterest expense to average assets | 3.2173% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3446% | 6,704 |
| Return on assets (ROA) | -0.3446% | 6,754 |
| Pretax return on assets | -0.3446% | 6,679 |
| Return on Equity (ROE) | -5.4713% | 6,910 |
| Retained earnings to average equity (ytd only) | -5.4713% | 6,622 |
| Net charge-offs to loans | 0.2795% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.6727% | 5,443 |
| Efficiency ratio | 111.9948% | 558 |
| Assets per employee ($millions) | 3.3521% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4366% | 571 |
| Loan loss allowance to noncurrent loans | 53.1801% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 7.5572% | 670 |
| Noncurrent loans to loans | 6.4621% | 967 |
| Net loans and leases to total assets | 72.5764% | 2,306 |
| Net loans and leases to deposits | 117.0726% | 174 |
| Net loans and leases to core deposits | 137.3341% | 367 |
| Total domestic deposits to total assets | 61.9926% | 7,718 |
| Equity capital to assets | 6.4409% | 7,536 |
| Core capital (leverage) ratio | 6.2870% | 7,532 |
| Tier 1 risk-based capital ratio | 9.5454% | 7,279 |
| Total risk-based capital ratio | 10.8274% | 7,257 |
| Memoranda: | ||
| Average total assets | $106,797,500 | 4,958 |
| Average earning assets | $96,462,000 | 4,972 |
| Average equity | $6,726,000 | 6,277 |
| Average total loans | $78,708,000 | 4,553 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0365% | 1,726 |
| Cost of funding earning assets | 3.0955% | 174 |
| Net interest margin | 2.9410% | 6,780 |
| Noninterest income to average assets | -0.0366% | 7,757 |
| Noninterest expense to average assets | 2.8576% | 4,712 |
| Loan and lease loss provision to assets | 1.6956% | 1,344 |
| Net operating income to assets | -1.8812% | 7,041 |
| Return on assets (ROA) | -1.9028% | 7,051 |
| Pretax return on assets | -1.9028% | 6,898 |
| Return on Equity (ROE) | -27.1613% | 7,345 |
| Retained earnings to average equity (ytd only) | -27.1613% | 7,318 |
| Net charge-offs to loans | 0.8588% | 2,678 |
| Credit loss provision to net charge-offs | 268.7335% | 1,298 |
| Earnings coverage of net charge-offs (x) | -0.2942% | 6,542 |
| Efficiency ratio | 106.9470% | 875 |
| Assets per employee ($millions) | 3.7821% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4533% | 548 |
| Loan loss allowance to noncurrent loans | 103.7107% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 5.4859% | 1,072 |
| Noncurrent loans to loans | 3.3298% | 2,286 |
| Net loans and leases to total assets | 69.8170% | 3,298 |
| Net loans and leases to deposits | 110.9026% | 357 |
| Net loans and leases to core deposits | 150.9690% | 491 |
| Total domestic deposits to total assets | 62.9535% | 7,738 |
| Equity capital to assets | 6.1624% | 7,641 |
| Core capital (leverage) ratio | 5.6861% | 7,681 |
| Tier 1 risk-based capital ratio | 9.3773% | 7,288 |
| Total risk-based capital ratio | 10.6600% | 7,256 |
| Memoranda: | ||
| Average total assets | $120,136,600 | 4,560 |
| Average earning assets | $110,644,400 | 4,544 |
| Average equity | $8,416,400 | 5,796 |
| Average total loans | $88,262,200 | 4,262 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9817% | 2,114 |
| Cost of funding earning assets | 3.0781% | 261 |
| Net interest margin | 2.9035% | 6,853 |
| Noninterest income to average assets | 0.0771% | 7,518 |
| Noninterest expense to average assets | 2.7730% | 5,009 |
| Loan and lease loss provision to assets | 0.5431% | 3,223 |
| Net operating income to assets | -0.5474% | 6,473 |
| Return on assets (ROA) | -0.5757% | 6,498 |
| Pretax return on assets | -0.5757% | 6,371 |
| Return on Equity (ROE) | -8.0022% | 6,729 |
| Retained earnings to average equity (ytd only) | -8.0022% | 6,600 |
| Net charge-offs to loans | 1.0770% | 1,850 |
| Credit loss provision to net charge-offs | 68.3995% | 6,014 |
| Earnings coverage of net charge-offs (x) | -0.0055% | 6,077 |
| Efficiency ratio | 100.1569% | 1,053 |
| Assets per employee ($millions) | 4.2707% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 3,603 |
| Loan loss allowance to noncurrent loans | 30.9416% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 5.7276% | 972 |
| Noncurrent loans to loans | 4.7467% | 1,439 |
| Net loans and leases to total assets | 68.9502% | 3,720 |
| Net loans and leases to deposits | 106.9585% | 612 |
| Net loans and leases to core deposits | 156.6567% | 448 |
| Total domestic deposits to total assets | 64.4645% | 7,749 |
| Equity capital to assets | 7.1409% | 7,529 |
| Core capital (leverage) ratio | 6.8819% | 7,501 |
| Tier 1 risk-based capital ratio | 10.7022% | 6,246 |
| Total risk-based capital ratio | 11.9567% | 6,215 |
| Memoranda: | ||
| Average total assets | $122,750,500 | 4,527 |
| Average earning assets | $113,789,500 | 4,486 |
| Average equity | $8,830,750 | 5,708 |
| Average total loans | $90,499,000 | 4,234 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0759% | 1,875 |
| Cost of funding earning assets | 3.0623% | 397 |
| Net interest margin | 3.0137% | 6,513 |
| Noninterest income to average assets | -0.0178% | 7,987 |
| Noninterest expense to average assets | 2.7349% | 5,242 |
| Loan and lease loss provision to assets | 0.3231% | 4,007 |
| Net operating income to assets | -0.2714% | 6,294 |
| Return on assets (ROA) | -0.3134% | 6,354 |
| Pretax return on assets | -0.3134% | 6,245 |
| Return on Equity (ROE) | -4.3459% | 6,524 |
| Retained earnings to average equity (ytd only) | -4.3459% | 6,194 |
| Net charge-offs to loans | 0.7890% | 2,102 |
| Credit loss provision to net charge-offs | 54.6448% | 5,685 |
| Earnings coverage of net charge-offs (x) | 0.0874% | 5,587 |
| Efficiency ratio | 98.1449% | 1,262 |
| Assets per employee ($millions) | 4.3291% | 3,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 3,468 |
| Loan loss allowance to noncurrent loans | 26.8911% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 4.8824% | 1,110 |
| Noncurrent loans to loans | 5.3912% | 1,087 |
| Net loans and leases to total assets | 67.7287% | 4,201 |
| Net loans and leases to deposits | 101.0337% | 1,169 |
| Net loans and leases to core deposits | 194.6794% | 142 |
| Total domestic deposits to total assets | 67.0357% | 7,678 |
| Equity capital to assets | 6.8058% | 7,706 |
| Core capital (leverage) ratio | 6.7242% | 7,692 |
| Tier 1 risk-based capital ratio | 10.4268% | 6,449 |
| Total risk-based capital ratio | 11.6806% | 6,394 |
| Memoranda: | ||
| Average total assets | $123,807,670 | 4,539 |
| Average earning assets | $115,209,000 | 4,482 |
| Average equity | $8,928,000 | 5,706 |
| Average total loans | $92,772,330 | 4,211 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3860% | 1,094 |
| Cost of funding earning assets | 2.9545% | 673 |
| Net interest margin | 3.4315% | 5,006 |
| Noninterest income to average assets | 0.1788% | 7,022 |
| Noninterest expense to average assets | 2.6330% | 5,309 |
| Loan and lease loss provision to assets | 0.6624% | 1,909 |
| Net operating income to assets | 0.0762% | 6,050 |
| Return on assets (ROA) | 0.1855% | 5,875 |
| Pretax return on assets | 0.1855% | 5,977 |
| Return on Equity (ROE) | 2.4965% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.4965% | 4,483 |
| Net charge-offs to loans | 0.7659% | 1,675 |
| Credit loss provision to net charge-offs | 110.4972% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.2320% | 4,137 |
| Efficiency ratio | 78.0943% | 3,150 |
| Assets per employee ($millions) | 4.3136% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 2,735 |
| Loan loss allowance to noncurrent loans | 37.5825% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 4.3382% | 1,126 |
| Noncurrent loans to loans | 4.1130% | 1,453 |
| Net loans and leases to total assets | 72.8433% | 3,043 |
| Net loans and leases to deposits | 112.1561% | 517 |
| Net loans and leases to core deposits | 224.9064% | 95 |
| Total domestic deposits to total assets | 64.9481% | 7,793 |
| Equity capital to assets | 6.9864% | 7,688 |
| Core capital (leverage) ratio | 7.3290% | 7,346 |
| Tier 1 risk-based capital ratio | 9.5923% | 7,349 |
| Total risk-based capital ratio | 10.8465% | 7,279 |
| Memoranda: | ||
| Average total assets | $120,774,500 | 4,629 |
| Average earning assets | $112,371,500 | 4,575 |
| Average equity | $8,972,500 | 5,706 |
| Average total loans | $94,530,500 | 4,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0360% | 1,039 |
| Cost of funding earning assets | 3.3420% | 829 |
| Net interest margin | 3.6939% | 4,499 |
| Noninterest income to average assets | 0.2569% | 6,612 |
| Noninterest expense to average assets | 2.5345% | 5,876 |
| Loan and lease loss provision to assets | 0.8408% | 1,775 |
| Net operating income to assets | 0.3531% | 5,341 |
| Return on assets (ROA) | 0.3531% | 5,149 |
| Pretax return on assets | 0.3531% | 5,384 |
| Return on Equity (ROE) | 3.9916% | 4,832 |
| Retained earnings to average equity (ytd only) | -6.9588% | 6,780 |
| Net charge-offs to loans | 0.3175% | 3,270 |
| Credit loss provision to net charge-offs | 340.9091% | 1,331 |
| Earnings coverage of net charge-offs (x) | 4.8409% | 3,838 |
| Efficiency ratio | 67.9780% | 4,725 |
| Assets per employee ($millions) | 3.6175% | 4,373 |
| Cash dividends to net income (ytd only)* | 274.3386% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 2,377 |
| Loan loss allowance to noncurrent loans | 47.9947% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.8924% | 1,077 |
| Noncurrent loans to loans | 3.2599% | 1,605 |
| Net loans and leases to total assets | 81.9112% | 1,245 |
| Net loans and leases to deposits | 134.7494% | 157 |
| Net loans and leases to core deposits | 217.2667% | 118 |
| Total domestic deposits to total assets | 60.7878% | 7,934 |
| Equity capital to assets | 7.9400% | 6,915 |
| Core capital (leverage) ratio | 8.0024% | 6,484 |
| Tier 1 risk-based capital ratio | 10.2082% | 6,506 |
| Total risk-based capital ratio | 11.4638% | 6,367 |
| Memoranda: | ||
| Average total assets | $107,041,600 | 4,856 |
| Average earning assets | $100,597,400 | 4,791 |
| Average equity | $9,470,000 | 5,578 |
| Average total loans | $83,144,600 | 4,422 |