Home > Centennial Bank > Performance and Condition Ratios
Centennial Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,578 |
| Cost of funding earning assets | 0.3127% | 4,103 |
| Net interest margin | 3.8822% | 2,089 |
| Noninterest income to average assets | 0.3641% | 4,300 |
| Noninterest expense to average assets | 2.8038% | 3,211 |
| Loan and lease loss provision to assets | 0.8413% | 110 |
| Net operating income to assets | 0.2608% | 5,458 |
| Return on assets (ROA) | 0.2897% | 5,471 |
| Pretax return on assets | 0.3734% | 5,374 |
| Return on Equity (ROE) | 2.8261% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.8261% | 4,059 |
| Net charge-offs to loans | 0.3422% | 867 |
| Credit loss provision to net charge-offs | 320.4284% | 929 |
| Earnings coverage of net charge-offs (x) | 4.4854% | 3,551 |
| Efficiency ratio | 67.2420% | 3,705 |
| Assets per employee ($millions) | 5.8987% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,224 |
| Loan loss allowance to noncurrent loans | 132.1572% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 1,647 |
| Noncurrent loans to loans | 1.3298% | 1,772 |
| Net loans and leases to total assets | 76.3026% | 1,362 |
| Net loans and leases to deposits | 87.0607% | 1,994 |
| Net loans and leases to core deposits | 99.9633% | 1,494 |
| Total domestic deposits to total assets | 87.6430% | 1,824 |
| Equity capital to assets | 10.0218% | 3,929 |
| Core capital (leverage) ratio | 9.2717% | 4,515 |
| Tier 1 risk-based capital ratio | 11.3149% | 5,370 |
| Total risk-based capital ratio | 12.5729% | 5,255 |
| Memoranda: | ||
| Average total assets | $728,999,400 | 949 |
| Average earning assets | $679,281,800 | 937 |
| Average equity | $74,731,200 | 1,023 |
| Average total loans | $559,332,400 | 837 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1996% | 2,571 |
| Cost of funding earning assets | 0.3203% | 4,101 |
| Net interest margin | 3.8794% | 2,097 |
| Noninterest income to average assets | 0.3663% | 4,310 |
| Noninterest expense to average assets | 2.8199% | 3,104 |
| Loan and lease loss provision to assets | 0.5961% | 153 |
| Net operating income to assets | 0.3549% | 5,304 |
| Return on assets (ROA) | 0.3709% | 5,337 |
| Pretax return on assets | 0.5891% | 5,000 |
| Return on Equity (ROE) | 3.5974% | 5,186 |
| Retained earnings to average equity (ytd only) | 3.5974% | 3,910 |
| Net charge-offs to loans | 0.4905% | 491 |
| Credit loss provision to net charge-offs | 158.9102% | 1,607 |
| Earnings coverage of net charge-offs (x) | 3.0928% | 3,557 |
| Efficiency ratio | 67.5412% | 3,623 |
| Assets per employee ($millions) | 5.6158% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,113 |
| Loan loss allowance to noncurrent loans | 121.8053% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 2,113 |
| Noncurrent loans to loans | 1.0647% | 2,352 |
| Net loans and leases to total assets | 75.1198% | 1,525 |
| Net loans and leases to deposits | 85.0114% | 2,281 |
| Net loans and leases to core deposits | 98.1205% | 1,690 |
| Total domestic deposits to total assets | 88.3644% | 1,367 |
| Equity capital to assets | 10.3590% | 3,748 |
| Core capital (leverage) ratio | 9.3674% | 4,488 |
| Tier 1 risk-based capital ratio | 11.6051% | 5,324 |
| Total risk-based capital ratio | 12.8427% | 5,251 |
| Memoranda: | ||
| Average total assets | $723,966,750 | 961 |
| Average earning assets | $674,420,750 | 959 |
| Average equity | $74,645,000 | 1,028 |
| Average total loans | $553,707,750 | 856 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1838% | 2,606 |
| Cost of funding earning assets | 0.3272% | 4,081 |
| Net interest margin | 3.8566% | 2,119 |
| Noninterest income to average assets | 0.3371% | 4,542 |
| Noninterest expense to average assets | 2.9230% | 2,804 |
| Loan and lease loss provision to assets | 0.1438% | 1,506 |
| Net operating income to assets | 0.5517% | 4,551 |
| Return on assets (ROA) | 0.5627% | 4,615 |
| Pretax return on assets | 0.8826% | 4,017 |
| Return on Equity (ROE) | 5.4657% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.4657% | 2,555 |
| Net charge-offs to loans | 0.5724% | 424 |
| Credit loss provision to net charge-offs | 32.7858% | 2,897 |
| Earnings coverage of net charge-offs (x) | 2.3013% | 3,368 |
| Efficiency ratio | 70.9525% | 3,165 |
| Assets per employee ($millions) | 5.5958% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 5,313 |
| Loan loss allowance to noncurrent loans | 126.1036% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 3,285 |
| Noncurrent loans to loans | 0.7106% | 3,360 |
| Net loans and leases to total assets | 75.7122% | 1,405 |
| Net loans and leases to deposits | 85.6955% | 2,082 |
| Net loans and leases to core deposits | 99.5142% | 1,531 |
| Total domestic deposits to total assets | 88.3502% | 1,468 |
| Equity capital to assets | 10.4080% | 3,556 |
| Core capital (leverage) ratio | 9.3059% | 4,544 |
| Tier 1 risk-based capital ratio | 12.0451% | 5,114 |
| Total risk-based capital ratio | 12.9267% | 5,266 |
| Memoranda: | ||
| Average total assets | $721,936,000 | 965 |
| Average earning assets | $672,982,330 | 961 |
| Average equity | $74,317,670 | 1,039 |
| Average total loans | $553,068,670 | 853 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,603 |
| Cost of funding earning assets | 0.3342% | 4,053 |
| Net interest margin | 3.8259% | 2,147 |
| Noninterest income to average assets | 0.2964% | 4,799 |
| Noninterest expense to average assets | 2.9236% | 2,825 |
| Loan and lease loss provision to assets | 0.1413% | 1,450 |
| Net operating income to assets | 0.5132% | 4,612 |
| Return on assets (ROA) | 0.5352% | 4,642 |
| Pretax return on assets | 0.8366% | 4,109 |
| Return on Equity (ROE) | 5.2279% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2279% | 2,935 |
| Net charge-offs to loans | 0.4015% | 604 |
| Credit loss provision to net charge-offs | 45.8633% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.0629% | 2,660 |
| Efficiency ratio | 72.1633% | 3,147 |
| Assets per employee ($millions) | 5.6309% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,896 |
| Loan loss allowance to noncurrent loans | 121.4088% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 3,105 |
| Noncurrent loans to loans | 0.8445% | 3,135 |
| Net loans and leases to total assets | 75.2285% | 1,319 |
| Net loans and leases to deposits | 85.3593% | 1,912 |
| Net loans and leases to core deposits | 99.2080% | 1,376 |
| Total domestic deposits to total assets | 88.1316% | 1,739 |
| Equity capital to assets | 10.1809% | 3,903 |
| Core capital (leverage) ratio | 9.2769% | 4,614 |
| Tier 1 risk-based capital ratio | 11.7663% | 5,398 |
| Total risk-based capital ratio | 12.7812% | 5,456 |
| Memoranda: | ||
| Average total assets | $721,974,500 | 962 |
| Average earning assets | $673,829,500 | 953 |
| Average equity | $73,911,000 | 1,046 |
| Average total loans | $553,864,500 | 847 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,480 |
| Cost of funding earning assets | 0.4366% | 3,316 |
| Net interest margin | 3.8976% | 2,250 |
| Noninterest income to average assets | 0.2109% | 5,596 |
| Noninterest expense to average assets | 3.2949% | 1,945 |
| Loan and lease loss provision to assets | 0.5538% | 266 |
| Net operating income to assets | -0.0145% | 6,106 |
| Return on assets (ROA) | 0.0061% | 6,107 |
| Pretax return on assets | 0.0127% | 6,081 |
| Return on Equity (ROE) | 0.0596% | 6,106 |
| Retained earnings to average equity (ytd only) | 0.0596% | 5,742 |
| Net charge-offs to loans | 0.2177% | 1,929 |
| Credit loss provision to net charge-offs | 322.4806% | 813 |
| Earnings coverage of net charge-offs (x) | 3.1118% | 3,976 |
| Efficiency ratio | 84.3556% | 1,366 |
| Assets per employee ($millions) | 5.4764% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 4,591 |
| Loan loss allowance to noncurrent loans | 83.3472% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 2,505 |
| Noncurrent loans to loans | 1.3070% | 2,260 |
| Net loans and leases to total assets | 76.5990% | 1,181 |
| Net loans and leases to deposits | 86.6367% | 1,897 |
| Net loans and leases to core deposits | 101.7412% | 1,265 |
| Total domestic deposits to total assets | 88.4140% | 1,559 |
| Equity capital to assets | 10.2954% | 3,727 |
| Core capital (leverage) ratio | 9.3446% | 4,471 |
| Tier 1 risk-based capital ratio | 11.2423% | 5,796 |
| Total risk-based capital ratio | 12.3545% | 5,810 |
| Memoranda: | ||
| Average total assets | $525,806,600 | 1,278 |
| Average earning assets | $488,145,400 | 1,261 |
| Average equity | $53,690,400 | 1,361 |
| Average total loans | $414,835,400 | 1,062 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 2,124 |
| Cost of funding earning assets | 0.4600% | 3,149 |
| Net interest margin | 3.9694% | 1,966 |
| Noninterest income to average assets | 0.1177% | 6,176 |
| Noninterest expense to average assets | 3.2253% | 2,103 |
| Loan and lease loss provision to assets | 0.3733% | 465 |
| Net operating income to assets | 0.1218% | 5,996 |
| Return on assets (ROA) | 0.1385% | 5,997 |
| Pretax return on assets | 0.2276% | 5,909 |
| Return on Equity (ROE) | 1.3609% | 5,975 |
| Retained earnings to average equity (ytd only) | 1.3609% | 5,350 |
| Net charge-offs to loans | 0.1415% | 2,383 |
| Credit loss provision to net charge-offs | 332.1782% | 842 |
| Earnings coverage of net charge-offs (x) | 5.1139% | 3,320 |
| Efficiency ratio | 83.6603% | 1,430 |
| Assets per employee ($millions) | 5.4441% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1901% | 4,285 |
| Loan loss allowance to noncurrent loans | 82.2774% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 1,980 |
| Noncurrent loans to loans | 1.4465% | 2,252 |
| Net loans and leases to total assets | 80.9274% | 619 |
| Net loans and leases to deposits | 91.2206% | 1,299 |
| Net loans and leases to core deposits | 114.9931% | 552 |
| Total domestic deposits to total assets | 88.7161% | 1,391 |
| Equity capital to assets | 10.0003% | 4,163 |
| Core capital (leverage) ratio | 9.2034% | 4,784 |
| Tier 1 risk-based capital ratio | 10.8801% | 6,050 |
| Total risk-based capital ratio | 12.0776% | 6,022 |
| Memoranda: | ||
| Average total assets | $479,275,750 | 1,403 |
| Average earning assets | $444,627,500 | 1,389 |
| Average equity | $48,789,000 | 1,481 |
| Average total loans | $380,710,000 | 1,169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,026 |
| Cost of funding earning assets | 0.4681% | 3,127 |
| Net interest margin | 3.9735% | 1,892 |
| Noninterest income to average assets | 0.1910% | 5,815 |
| Noninterest expense to average assets | 3.3283% | 1,844 |
| Loan and lease loss provision to assets | 0.2114% | 1,121 |
| Net operating income to assets | 0.2019% | 5,830 |
| Return on assets (ROA) | 0.2275% | 5,828 |
| Pretax return on assets | 0.3628% | 5,653 |
| Return on Equity (ROE) | 2.2211% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.2211% | 4,781 |
| Net charge-offs to loans | 0.1348% | 2,324 |
| Credit loss provision to net charge-offs | 199.5984% | 1,177 |
| Earnings coverage of net charge-offs (x) | 5.0442% | 2,992 |
| Efficiency ratio | 84.8932% | 1,397 |
| Assets per employee ($millions) | 5.1221% | 2,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 4,942 |
| Loan loss allowance to noncurrent loans | 79.3606% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.0211% | 1,577 |
| Noncurrent loans to loans | 1.3774% | 2,509 |
| Net loans and leases to total assets | 79.7723% | 712 |
| Net loans and leases to deposits | 91.7216% | 1,187 |
| Net loans and leases to core deposits | 115.2286% | 496 |
| Total domestic deposits to total assets | 86.9722% | 2,468 |
| Equity capital to assets | 10.3130% | 3,670 |
| Core capital (leverage) ratio | 9.4585% | 4,387 |
| Tier 1 risk-based capital ratio | 11.1389% | 5,994 |
| Total risk-based capital ratio | 12.2182% | 6,007 |
| Memoranda: | ||
| Average total assets | $470,268,670 | 1,425 |
| Average earning assets | $434,523,330 | 1,419 |
| Average equity | $48,175,000 | 1,485 |
| Average total loans | $369,390,670 | 1,197 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 1,950 |
| Cost of funding earning assets | 0.4765% | 3,160 |
| Net interest margin | 3.9761% | 1,837 |
| Noninterest income to average assets | 0.2849% | 5,091 |
| Noninterest expense to average assets | 3.3994% | 1,704 |
| Loan and lease loss provision to assets | 0.1222% | 1,969 |
| Net operating income to assets | 0.2789% | 5,568 |
| Return on assets (ROA) | 0.2789% | 5,613 |
| Pretax return on assets | 0.4339% | 5,351 |
| Return on Equity (ROE) | 2.7322% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.7322% | 4,451 |
| Net charge-offs to loans | 0.1411% | 1,876 |
| Credit loss provision to net charge-offs | 111.8110% | 1,535 |
| Earnings coverage of net charge-offs (x) | 5.0866% | 2,428 |
| Efficiency ratio | 84.6572% | 1,595 |
| Assets per employee ($millions) | 4.9444% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,061 |
| Loan loss allowance to noncurrent loans | 68.0461% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 2.7204% | 1,119 |
| Noncurrent loans to loans | 1.6366% | 2,379 |
| Net loans and leases to total assets | 75.8430% | 1,017 |
| Net loans and leases to deposits | 87.0125% | 1,463 |
| Net loans and leases to core deposits | 107.3729% | 698 |
| Total domestic deposits to total assets | 87.1633% | 2,723 |
| Equity capital to assets | 10.1568% | 3,658 |
| Core capital (leverage) ratio | 9.1489% | 4,795 |
| Tier 1 risk-based capital ratio | 11.1498% | 6,099 |
| Total risk-based capital ratio | 12.2223% | 6,114 |
| Memoranda: | ||
| Average total assets | $464,663,500 | 1,450 |
| Average earning assets | $428,963,500 | 1,448 |
| Average equity | $47,435,000 | 1,502 |
| Average total loans | $359,920,000 | 1,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 1,342 |
| Cost of funding earning assets | 0.5172% | 3,429 |
| Net interest margin | 4.2739% | 1,164 |
| Noninterest income to average assets | 0.4950% | 3,793 |
| Noninterest expense to average assets | 3.5386% | 1,570 |
| Loan and lease loss provision to assets | 0.4735% | 594 |
| Net operating income to assets | 1.1747% | 1,668 |
| Return on assets (ROA) | 1.1793% | 1,706 |
| Pretax return on assets | 0.4239% | 5,430 |
| Return on Equity (ROE) | 11.7016% | 1,519 |
| Retained earnings to average equity (ytd only) | 11.7016% | 347 |
| Net charge-offs to loans | 0.0796% | 4,107 |
| Credit loss provision to net charge-offs | 799.6063% | 312 |
| Earnings coverage of net charge-offs (x) | 15.0748% | 1,900 |
| Efficiency ratio | 78.2385% | 2,433 |
| Assets per employee ($millions) | 5.2829% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,091 |
| Loan loss allowance to noncurrent loans | 73.5148% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 1,497 |
| Noncurrent loans to loans | 1.5120% | 2,629 |
| Net loans and leases to total assets | 77.3664% | 906 |
| Net loans and leases to deposits | 90.8484% | 1,172 |
| Net loans and leases to core deposits | 111.3349% | 560 |
| Total domestic deposits to total assets | 85.1599% | 3,661 |
| Equity capital to assets | 10.2612% | 3,434 |
| Core capital (leverage) ratio | 9.2906% | 4,572 |
| Tier 1 risk-based capital ratio | 11.1571% | 6,092 |
| Total risk-based capital ratio | 12.2408% | 6,125 |
| Memoranda: | ||
| Average total assets | $428,892,400 | 1,543 |
| Average earning assets | $395,025,600 | 1,531 |
| Average equity | $43,224,800 | 1,621 |
| Average total loans | $319,287,800 | 1,331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 1,215 |
| Cost of funding earning assets | 0.5193% | 3,574 |
| Net interest margin | 4.3402% | 1,008 |
| Noninterest income to average assets | 0.5593% | 3,395 |
| Noninterest expense to average assets | 3.6313% | 1,346 |
| Loan and lease loss provision to assets | 0.4704% | 594 |
| Net operating income to assets | 0.6790% | 3,959 |
| Return on assets (ROA) | 0.6853% | 4,069 |
| Pretax return on assets | 0.4587% | 5,479 |
| Return on Equity (ROE) | 6.8337% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.8337% | 1,956 |
| Net charge-offs to loans | 0.1095% | 3,442 |
| Credit loss provision to net charge-offs | 585.0394% | 481 |
| Earnings coverage of net charge-offs (x) | 11.4763% | 2,242 |
| Efficiency ratio | 78.0079% | 2,419 |
| Assets per employee ($millions) | 5.2480% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 5,603 |
| Loan loss allowance to noncurrent loans | 63.9023% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.5180% | 1,526 |
| Noncurrent loans to loans | 1.6090% | 2,760 |
| Net loans and leases to total assets | 75.3766% | 1,090 |
| Net loans and leases to deposits | 85.4496% | 1,682 |
| Net loans and leases to core deposits | 106.3248% | 744 |
| Total domestic deposits to total assets | 88.2118% | 1,993 |
| Equity capital to assets | 10.0086% | 3,888 |
| Core capital (leverage) ratio | 9.3404% | 4,630 |
| Tier 1 risk-based capital ratio | 11.6561% | 5,976 |
| Total risk-based capital ratio | 12.6632% | 6,062 |
| Memoranda: | ||
| Average total assets | $421,212,250 | 1,577 |
| Average earning assets | $387,684,500 | 1,567 |
| Average equity | $42,240,500 | 1,670 |
| Average total loans | $309,214,000 | 1,372 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 1,217 |
| Cost of funding earning assets | 0.5123% | 3,786 |
| Net interest margin | 4.3372% | 961 |
| Noninterest income to average assets | 0.7032% | 2,619 |
| Noninterest expense to average assets | 3.7422% | 1,177 |
| Loan and lease loss provision to assets | 0.5518% | 477 |
| Net operating income to assets | 0.3695% | 5,335 |
| Return on assets (ROA) | 0.3786% | 5,464 |
| Pretax return on assets | 0.4042% | 5,632 |
| Return on Equity (ROE) | 3.7728% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.7728% | 3,896 |
| Net charge-offs to loans | 0.0959% | 3,401 |
| Credit loss provision to net charge-offs | 794.4444% | 383 |
| Earnings coverage of net charge-offs (x) | 13.6250% | 1,887 |
| Efficiency ratio | 78.0372% | 2,447 |
| Assets per employee ($millions) | 5.0578% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 5,797 |
| Loan loss allowance to noncurrent loans | 88.4130% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 1,847 |
| Noncurrent loans to loans | 1.1372% | 3,662 |
| Net loans and leases to total assets | 74.6220% | 1,155 |
| Net loans and leases to deposits | 87.1316% | 1,447 |
| Net loans and leases to core deposits | 109.6195% | 579 |
| Total domestic deposits to total assets | 85.6429% | 3,559 |
| Equity capital to assets | 9.9770% | 3,946 |
| Core capital (leverage) ratio | 9.4359% | 4,339 |
| Tier 1 risk-based capital ratio | 11.4730% | 6,124 |
| Total risk-based capital ratio | 12.4349% | 6,222 |
| Memoranda: | ||
| Average total assets | $414,673,330 | 1,602 |
| Average earning assets | $381,027,330 | 1,596 |
| Average equity | $41,613,670 | 1,703 |
| Average total loans | $300,374,000 | 1,402 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,317 |
| Cost of funding earning assets | 0.5217% | 3,867 |
| Net interest margin | 4.2666% | 1,033 |
| Noninterest income to average assets | 0.3154% | 5,170 |
| Noninterest expense to average assets | 3.7443% | 1,180 |
| Loan and lease loss provision to assets | 0.4356% | 673 |
| Net operating income to assets | 0.1357% | 6,081 |
| Return on assets (ROA) | 0.1397% | 6,164 |
| Pretax return on assets | 0.0527% | 6,332 |
| Return on Equity (ROE) | 1.3875% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.3875% | 5,285 |
| Net charge-offs to loans | -0.0647% | 6,242 |
| Credit loss provision to net charge-offs | -948.9362% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5358% | 1,454 |
| Assets per employee ($millions) | 4.7543% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 6,199 |
| Loan loss allowance to noncurrent loans | 50.5120% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.8454% | 1,586 |
| Noncurrent loans to loans | 1.8297% | 2,827 |
| Net loans and leases to total assets | 71.1313% | 1,501 |
| Net loans and leases to deposits | 81.4548% | 1,902 |
| Net loans and leases to core deposits | 100.7545% | 908 |
| Total domestic deposits to total assets | 87.3261% | 2,738 |
| Equity capital to assets | 10.1501% | 3,955 |
| Core capital (leverage) ratio | 9.2821% | 4,430 |
| Tier 1 risk-based capital ratio | 12.2493% | 5,757 |
| Total risk-based capital ratio | 13.1421% | 5,944 |
| Memoranda: | ||
| Average total assets | $409,582,000 | 1,637 |
| Average earning assets | $375,659,000 | 1,629 |
| Average equity | $41,226,500 | 1,737 |
| Average total loans | $290,433,000 | 1,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 3,279 |
| Cost of funding earning assets | 0.5793% | 4,545 |
| Net interest margin | 3.9504% | 2,609 |
| Noninterest income to average assets | 0.2980% | 5,329 |
| Noninterest expense to average assets | 4.1850% | 781 |
| Loan and lease loss provision to assets | 0.5719% | 980 |
| Net operating income to assets | -0.5083% | 6,572 |
| Return on assets (ROA) | -0.4121% | 6,568 |
| Pretax return on assets | -0.6600% | 6,640 |
| Return on Equity (ROE) | -3.9466% | 6,549 |
| Retained earnings to average equity (ytd only) | -3.9466% | 6,357 |
| Net charge-offs to loans | 0.0248% | 5,550 |
| Credit loss provision to net charge-offs | 3,570.0000% | 67 |
| Earnings coverage of net charge-offs (x) | -14.8750% | 5,954 |
| Efficiency ratio | 104.5768% | 433 |
| Assets per employee ($millions) | 4.7160% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 6,536 |
| Loan loss allowance to noncurrent loans | 40.7414% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.6362% | 1,843 |
| Noncurrent loans to loans | 1.8965% | 2,808 |
| Net loans and leases to total assets | 69.4864% | 1,947 |
| Net loans and leases to deposits | 79.3009% | 2,369 |
| Net loans and leases to core deposits | 98.7099% | 1,095 |
| Total domestic deposits to total assets | 87.6237% | 2,463 |
| Equity capital to assets | 9.9812% | 4,198 |
| Core capital (leverage) ratio | 9.2213% | 4,543 |
| Tier 1 risk-based capital ratio | 12.6144% | 5,388 |
| Total risk-based capital ratio | 13.3834% | 5,663 |
| Memoranda: | ||
| Average total assets | $249,680,000 | 2,536 |
| Average earning assets | $230,609,200 | 2,502 |
| Average equity | $26,073,400 | 2,561 |
| Average total loans | $161,230,400 | 2,407 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0083% | 5,495 |
| Cost of funding earning assets | 0.5515% | 5,075 |
| Net interest margin | 3.4568% | 4,819 |
| Noninterest income to average assets | 0.2558% | 5,732 |
| Noninterest expense to average assets | 4.1776% | 743 |
| Loan and lease loss provision to assets | 0.5135% | 1,185 |
| Net operating income to assets | -1.1760% | 6,901 |
| Return on assets (ROA) | -0.9469% | 6,872 |
| Pretax return on assets | -0.9901% | 6,864 |
| Return on Equity (ROE) | -8.8752% | 6,836 |
| Retained earnings to average equity (ytd only) | -8.8752% | 6,781 |
| Net charge-offs to loans | 0.0236% | 5,338 |
| Credit loss provision to net charge-offs | 3,508.6957% | 80 |
| Earnings coverage of net charge-offs (x) | -48.8631% | 5,758 |
| Efficiency ratio | 119.6104% | 197 |
| Assets per employee ($millions) | 4.4380% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5937% | 6,876 |
| Loan loss allowance to noncurrent loans | 30.2339% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 2.6975% | 1,959 |
| Noncurrent loans to loans | 1.9638% | 2,878 |
| Net loans and leases to total assets | 66.9939% | 2,461 |
| Net loans and leases to deposits | 76.7091% | 2,875 |
| Net loans and leases to core deposits | 97.6190% | 1,294 |
| Total domestic deposits to total assets | 87.3351% | 2,475 |
| Equity capital to assets | 10.4723% | 3,877 |
| Core capital (leverage) ratio | 13.7910% | 908 |
| Tier 1 risk-based capital ratio | 13.4393% | 4,916 |
| Total risk-based capital ratio | 14.0120% | 5,395 |
| Memoranda: | ||
| Average total assets | $209,527,000 | 2,966 |
| Average earning assets | $194,357,250 | 2,940 |
| Average equity | $22,353,750 | 2,964 |
| Average total loans | $129,708,750 | 2,923 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 5,305 |
| Cost of funding earning assets | 0.5930% | 4,959 |
| Net interest margin | 3.5120% | 4,618 |
| Noninterest income to average assets | 0.2128% | 6,044 |
| Noninterest expense to average assets | 3.6255% | 1,528 |
| Loan and lease loss provision to assets | 0.5941% | 1,008 |
| Net operating income to assets | -0.4884% | 6,729 |
| Return on assets (ROA) | -0.2197% | 6,626 |
| Pretax return on assets | -0.3219% | 6,654 |
| Return on Equity (ROE) | -2.0245% | 6,622 |
| Retained earnings to average equity (ytd only) | -2.0245% | 6,363 |
| Net charge-offs to loans | 0.0924% | 4,230 |
| Credit loss provision to net charge-offs | 1,131.5789% | 292 |
| Earnings coverage of net charge-offs (x) | -2.3421% | 5,394 |
| Efficiency ratio | 102.6036% | 470 |
| Assets per employee ($millions) | 4.9029% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 5,059 |
| Loan loss allowance to noncurrent loans | 61,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 6,868 |
| Noncurrent loans to loans | 0.0021% | 6,725 |
| Net loans and leases to total assets | 64.9258% | 2,853 |
| Net loans and leases to deposits | 73.0599% | 3,447 |
| Net loans and leases to core deposits | 87.6112% | 2,248 |
| Total domestic deposits to total assets | 88.8665% | 1,592 |
| Equity capital to assets | 10.6005% | 3,568 |
| Core capital (leverage) ratio | 9.2013% | 4,609 |
| Tier 1 risk-based capital ratio | 12.6768% | 5,435 |
| Total risk-based capital ratio | 13.8909% | 5,446 |
| Memoranda: | ||
| Average total assets | $144,750,670 | 3,925 |
| Average earning assets | $135,592,000 | 3,857 |
| Average equity | $15,707,330 | 3,850 |
| Average total loans | $82,220,000 | 4,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8677% | 6,094 |
| Cost of funding earning assets | 0.6026% | 5,104 |
| Net interest margin | 3.2651% | 5,596 |
| Noninterest income to average assets | 0.2062% | 6,152 |
| Noninterest expense to average assets | 3.5826% | 1,601 |
| Loan and lease loss provision to assets | 0.4652% | 1,322 |
| Net operating income to assets | -0.5182% | 6,836 |
| Return on assets (ROA) | -0.5182% | 6,867 |
| Pretax return on assets | -0.7773% | 6,924 |
| Return on Equity (ROE) | -4.7193% | 6,840 |
| Retained earnings to average equity (ytd only) | -4.7193% | 6,562 |
| Net charge-offs to loans | 0.2028% | 2,905 |
| Credit loss provision to net charge-offs | 439.4737% | 731 |
| Earnings coverage of net charge-offs (x) | -2.9474% | 4,641 |
| Efficiency ratio | 108.4327% | 364 |
| Assets per employee ($millions) | 4.9819% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,502 |
| Loan loss allowance to noncurrent loans | 32,033.3333% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 6,953 |
| Noncurrent loans to loans | 0.0037% | 6,799 |
| Net loans and leases to total assets | 56.9300% | 4,229 |
| Net loans and leases to deposits | 64.5050% | 4,561 |
| Net loans and leases to core deposits | 80.4812% | 3,012 |
| Total domestic deposits to total assets | 88.2568% | 2,156 |
| Equity capital to assets | 11.2672% | 2,660 |
| Core capital (leverage) ratio | 9.2413% | 4,456 |
| Tier 1 risk-based capital ratio | 14.8238% | 3,875 |
| Total risk-based capital ratio | 15.9362% | 3,923 |
| Memoranda: | ||
| Average total assets | $143,582,000 | 3,980 |
| Average earning assets | $134,757,500 | 3,906 |
| Average equity | $15,765,000 | 3,849 |
| Average total loans | $74,969,000 | 4,273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 6,817 |
| Cost of funding earning assets | 0.7114% | 5,467 |
| Net interest margin | 3.0142% | 6,506 |
| Noninterest income to average assets | 0.1798% | 6,204 |
| Noninterest expense to average assets | 3.5782% | 1,786 |
| Loan and lease loss provision to assets | 0.5087% | 2,063 |
| Net operating income to assets | -0.7281% | 6,620 |
| Return on assets (ROA) | -0.7354% | 6,657 |
| Pretax return on assets | -1.1163% | 6,780 |
| Return on Equity (ROE) | -6.4637% | 6,606 |
| Retained earnings to average equity (ytd only) | -6.4637% | 6,539 |
| Net charge-offs to loans | 0.1892% | 4,633 |
| Credit loss provision to net charge-offs | 670.7865% | 328 |
| Earnings coverage of net charge-offs (x) | -7.8652% | 6,382 |
| Efficiency ratio | 118.2338% | 322 |
| Assets per employee ($millions) | 5.4693% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 5,411 |
| Loan loss allowance to noncurrent loans | 213.8817% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 6,307 |
| Noncurrent loans to loans | 0.5592% | 5,602 |
| Net loans and leases to total assets | 46.5436% | 5,958 |
| Net loans and leases to deposits | 52.3848% | 6,177 |
| Net loans and leases to core deposits | 64.6977% | 5,398 |
| Total domestic deposits to total assets | 88.8495% | 1,636 |
| Equity capital to assets | 10.7083% | 3,293 |
| Core capital (leverage) ratio | 9.2270% | 4,429 |
| Tier 1 risk-based capital ratio | 16.7720% | 2,705 |
| Total risk-based capital ratio | 17.8446% | 2,751 |
| Memoranda: | ||
| Average total assets | $117,351,000 | 4,474 |
| Average earning assets | $109,082,000 | 4,416 |
| Average equity | $13,351,400 | 4,267 |
| Average total loans | $47,041,000 | 5,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 6,910 |
| Cost of funding earning assets | 0.7322% | 5,581 |
| Net interest margin | 2.9945% | 6,591 |
| Noninterest income to average assets | 0.1858% | 6,266 |
| Noninterest expense to average assets | 3.7094% | 1,480 |
| Loan and lease loss provision to assets | 0.5223% | 1,895 |
| Net operating income to assets | -0.8459% | 6,819 |
| Return on assets (ROA) | -0.8563% | 6,860 |
| Pretax return on assets | -1.2899% | 6,958 |
| Return on Equity (ROE) | -7.3805% | 6,782 |
| Retained earnings to average equity (ytd only) | -7.3805% | 6,724 |
| Net charge-offs to loans | 0.3220% | 3,494 |
| Credit loss provision to net charge-offs | 430.0000% | 656 |
| Earnings coverage of net charge-offs (x) | -6.1900% | 6,114 |
| Efficiency ratio | 123.4086% | 272 |
| Assets per employee ($millions) | 5.4223% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 5,804 |
| Loan loss allowance to noncurrent loans | 171.6535% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 6,357 |
| Noncurrent loans to loans | 0.6535% | 5,579 |
| Net loans and leases to total assets | 42.5275% | 6,462 |
| Net loans and leases to deposits | 48.4148% | 6,605 |
| Net loans and leases to core deposits | 61.1181% | 5,899 |
| Total domestic deposits to total assets | 87.8398% | 2,138 |
| Equity capital to assets | 11.7685% | 2,438 |
| Core capital (leverage) ratio | 10.7754% | 2,592 |
| Tier 1 risk-based capital ratio | 19.1494% | 1,884 |
| Total risk-based capital ratio | 20.0961% | 1,943 |
| Memoranda: | ||
| Average total assets | $109,771,250 | 4,678 |
| Average earning assets | $101,605,250 | 4,626 |
| Average equity | $12,736,000 | 4,399 |
| Average total loans | $41,410,500 | 5,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7721% | 6,948 |
| Cost of funding earning assets | 0.7343% | 5,757 |
| Net interest margin | 3.0378% | 6,531 |
| Noninterest income to average assets | 0.1819% | 6,357 |
| Noninterest expense to average assets | 3.9753% | 1,087 |
| Loan and lease loss provision to assets | 0.4705% | 2,104 |
| Net operating income to assets | -0.9675% | 6,935 |
| Return on assets (ROA) | -0.9844% | 6,946 |
| Pretax return on assets | -1.4845% | 7,061 |
| Return on Equity (ROE) | -8.5393% | 6,883 |
| Retained earnings to average equity (ytd only) | -8.5393% | 6,800 |
| Net charge-offs to loans | 0.0950% | 4,726 |
| Credit loss provision to net charge-offs | 1,400.0000% | 252 |
| Earnings coverage of net charge-offs (x) | -29.4118% | 5,851 |
| Efficiency ratio | 130.7081% | 251 |
| Assets per employee ($millions) | 4.7414% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 5,561 |
| Loan loss allowance to noncurrent loans | 229.9578% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2083% | 6,589 |
| Noncurrent loans to loans | 0.5200% | 5,864 |
| Net loans and leases to total assets | 39.5715% | 6,779 |
| Net loans and leases to deposits | 45.1225% | 6,874 |
| Net loans and leases to core deposits | 56.4441% | 6,383 |
| Total domestic deposits to total assets | 87.6979% | 2,339 |
| Equity capital to assets | 11.8548% | 2,207 |
| Core capital (leverage) ratio | 10.4611% | 2,753 |
| Tier 1 risk-based capital ratio | 19.1628% | 1,797 |
| Total risk-based capital ratio | 20.1194% | 1,854 |
| Memoranda: | ||
| Average total assets | $101,176,000 | 4,929 |
| Average earning assets | $93,422,000 | 4,899 |
| Average equity | $11,663,670 | 4,650 |
| Average total loans | $35,779,670 | 5,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6727% | 7,088 |
| Cost of funding earning assets | 0.7144% | 6,056 |
| Net interest margin | 2.9583% | 6,660 |
| Noninterest income to average assets | 0.1729% | 6,493 |
| Noninterest expense to average assets | 4.2502% | 771 |
| Loan and lease loss provision to assets | 0.5228% | 1,664 |
| Net operating income to assets | -1.2396% | 7,115 |
| Return on assets (ROA) | -1.2396% | 7,119 |
| Pretax return on assets | -1.8763% | 7,232 |
| Return on Equity (ROE) | -10.9390% | 7,049 |
| Retained earnings to average equity (ytd only) | -10.9390% | 6,903 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.6681% | 197 |
| Assets per employee ($millions) | 4.9088% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,543 |
| Loan loss allowance to noncurrent loans | 166.5428% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,525 |
| Noncurrent loans to loans | 0.7310% | 5,549 |
| Net loans and leases to total assets | 35.2651% | 7,035 |
| Net loans and leases to deposits | 39.8407% | 7,107 |
| Net loans and leases to core deposits | 48.9603% | 6,836 |
| Total domestic deposits to total assets | 88.5153% | 2,068 |
| Equity capital to assets | 11.0511% | 2,637 |
| Core capital (leverage) ratio | 9.5747% | 3,697 |
| Tier 1 risk-based capital ratio | 18.6922% | 1,901 |
| Total risk-based capital ratio | 19.6152% | 1,957 |
| Memoranda: | ||
| Average total assets | $94,867,000 | 5,142 |
| Average earning assets | $87,346,500 | 5,116 |
| Average equity | $10,750,500 | 4,860 |
| Average total loans | $30,882,000 | 6,295 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9758% | 7,562 |
| Cost of funding earning assets | 0.5182% | 7,272 |
| Net interest margin | 1.4577% | 7,551 |
| Noninterest income to average assets | 0.4333% | 4,655 |
| Noninterest expense to average assets | 5.9449% | 237 |
| Loan and lease loss provision to assets | 0.6924% | 2,376 |
| Net operating income to assets | -3.5276% | 7,377 |
| Return on assets (ROA) | -3.5215% | 7,393 |
| Pretax return on assets | -4.9170% | 7,533 |
| Return on Equity (ROE) | -17.7497% | 6,994 |
| Retained earnings to average equity (ytd only) | -17.7497% | 6,964 |
| Net charge-offs to loans | 0.0204% | 6,610 |
| Credit loss provision to net charge-offs | 16,300.0000% | 8 |
| Earnings coverage of net charge-offs (x) | -996.5000% | 6,850 |
| Efficiency ratio | 340.4467% | 24 |
| Assets per employee ($millions) | 4.5605% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 5,013 |
| Loan loss allowance to noncurrent loans | 116.9675% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3197% | 6,446 |
| Noncurrent loans to loans | 1.1096% | 4,885 |
| Net loans and leases to total assets | 28.4354% | 7,391 |
| Net loans and leases to deposits | 32.3508% | 7,423 |
| Net loans and leases to core deposits | 39.0562% | 7,323 |
| Total domestic deposits to total assets | 87.8971% | 2,311 |
| Equity capital to assets | 11.6666% | 2,150 |
| Core capital (leverage) ratio | 11.0837% | 2,101 |
| Tier 1 risk-based capital ratio | 22.4275% | 1,118 |
| Total risk-based capital ratio | 23.3414% | 1,133 |
| Memoranda: | ||
| Average total assets | $47,082,000 | 6,634 |
| Average earning assets | $41,298,800 | 6,665 |
| Average equity | $9,341,000 | 5,319 |
| Average total loans | $9,783,800 | 7,403 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2909% | 7,715 |
| Cost of funding earning assets | 0.3953% | 7,574 |
| Net interest margin | 0.8956% | 7,712 |
| Noninterest income to average assets | 0.4051% | 4,918 |
| Noninterest expense to average assets | 5.8616% | 228 |
| Loan and lease loss provision to assets | 0.4302% | 3,328 |
| Net operating income to assets | -3.4739% | 7,517 |
| Return on assets (ROA) | -3.4739% | 7,526 |
| Pretax return on assets | -5.1231% | 7,651 |
| Return on Equity (ROE) | -14.1214% | 7,076 |
| Retained earnings to average equity (ytd only) | -14.1214% | 7,044 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 491.1043% | 12 |
| Assets per employee ($millions) | 3.4171% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,577 |
| Loan loss allowance to noncurrent loans | 108.1081% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 6,886 |
| Noncurrent loans to loans | 1.0939% | 5,053 |
| Net loans and leases to total assets | 17.2608% | 7,644 |
| Net loans and leases to deposits | 21.5029% | 7,655 |
| Net loans and leases to core deposits | 23.2370% | 7,640 |
| Total domestic deposits to total assets | 80.2723% | 5,617 |
| Equity capital to assets | 19.2939% | 333 |
| Core capital (leverage) ratio | 19.9168% | 249 |
| Tier 1 risk-based capital ratio | 44.4134% | 188 |
| Total risk-based capital ratio | 45.0022% | 193 |
| Memoranda: | ||
| Average total assets | $37,190,250 | 7,045 |
| Average earning assets | $31,707,750 | 7,115 |
| Average equity | $9,149,000 | 5,453 |
| Average total loans | $5,989,000 | 7,630 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5421% | 7,811 |
| Cost of funding earning assets | 0.1594% | 7,761 |
| Net interest margin | 0.3826% | 7,804 |
| Noninterest income to average assets | 0.2581% | 6,072 |
| Noninterest expense to average assets | 3.6263% | 1,719 |
| Loan and lease loss provision to assets | 0.3904% | 3,378 |
| Net operating income to assets | -2.3293% | 7,380 |
| Return on assets (ROA) | -2.3293% | 7,395 |
| Pretax return on assets | -3.4411% | 7,539 |
| Return on Equity (ROE) | -8.3189% | 6,908 |
| Retained earnings to average equity (ytd only) | -8.3189% | 6,836 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 613.7931% | 12 |
| Assets per employee ($millions) | 2.3673% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 4,103 |
| Loan loss allowance to noncurrent loans | 105.3571% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 7,019 |
| Noncurrent loans to loans | 1.3885% | 4,621 |
| Net loans and leases to total assets | 10.4919% | 7,753 |
| Net loans and leases to deposits | 15.2787% | 7,756 |
| Net loans and leases to core deposits | 15.8757% | 7,746 |
| Total domestic deposits to total assets | 68.6696% | 7,403 |
| Equity capital to assets | 31.0003% | 77 |
| Core capital (leverage) ratio | 35.3490% | 65 |
| Tier 1 risk-based capital ratio | 99.1187% | 54 |
| Total risk-based capital ratio | 99.7096% | 55 |
| Memoranda: | ||
| Average total assets | $30,223,330 | 7,339 |
| Average earning assets | $25,088,670 | 7,395 |
| Average equity | $8,462,670 | 5,647 |
| Average total loans | $4,603,000 | 7,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8106% | 7,881 |
| Cost of funding earning assets | 0.3326% | 7,805 |
| Net interest margin | 1.4780% | 7,835 |
| Noninterest income to average assets | 1.4244% | 596 |
| Noninterest expense to average assets | 5.7583% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.0609% | 7,473 |
| Return on assets (ROA) | -2.0609% | 7,480 |
| Pretax return on assets | -3.1216% | 7,610 |
| Return on Equity (ROE) | -7.9730% | 7,054 |
| Retained earnings to average equity (ytd only) | -7.9730% | 6,827 |
| Net charge-offs to loans | -0.0818% | 7,479 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.3908% | 81 |
| Assets per employee ($millions) | 2.9726% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7469% | 1,040 |
| Loan loss allowance to noncurrent loans | 148.8636% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 6,551 |
| Noncurrent loans to loans | 1.8453% | 3,997 |
| Net loans and leases to total assets | 19.5030% | 7,793 |
| Net loans and leases to deposits | 27.5612% | 7,759 |
| Net loans and leases to core deposits | 27.5612% | 7,770 |
| Total domestic deposits to total assets | 70.7624% | 7,360 |
| Equity capital to assets | 28.4050% | 100 |
| Core capital (leverage) ratio | 31.4786% | 76 |
| Tier 1 risk-based capital ratio | 89.2220% | 59 |
| Total risk-based capital ratio | 90.4768% | 59 |
| Memoranda: | ||
| Average total assets | $26,396,500 | 7,547 |
| Average earning assets | $21,650,500 | 7,607 |
| Average equity | $6,823,000 | 6,249 |
| Average total loans | $4,888,000 | 7,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2888% | 7,960 |
| Cost of funding earning assets | 0.2035% | 7,940 |
| Net interest margin | 1.0853% | 7,920 |
| Noninterest income to average assets | 1.9366% | 390 |
| Noninterest expense to average assets | 4.5120% | 791 |
| Loan and lease loss provision to assets | 0.2892% | 5,115 |
| Net operating income to assets | -1.2701% | 6,746 |
| Return on assets (ROA) | -1.2701% | 6,751 |
| Pretax return on assets | -1.9391% | 6,920 |
| Return on Equity (ROE) | -7.0336% | 6,385 |
| Retained earnings to average equity (ytd only) | -7.0336% | 6,241 |
| Net charge-offs to loans | 0.8331% | 2,744 |
| Credit loss provision to net charge-offs | 280.4878% | 1,212 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 7,179 |
| Efficiency ratio | 157.6450% | 263 |
| Assets per employee ($millions) | 3.6265% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 1,119 |
| Loan loss allowance to noncurrent loans | 160.4938% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 6,753 |
| Noncurrent loans to loans | 1.6177% | 4,225 |
| Net loans and leases to total assets | 16.8103% | 7,897 |
| Net loans and leases to deposits | 22.2959% | 7,898 |
| Net loans and leases to core deposits | 22.8420% | 7,907 |
| Total domestic deposits to total assets | 75.3964% | 6,791 |
| Equity capital to assets | 23.7522% | 190 |
| Core capital (leverage) ratio | 26.4043% | 137 |
| Tier 1 risk-based capital ratio | 87.3827% | 67 |
| Total risk-based capital ratio | 88.6381% | 64 |
| Memoranda: | ||
| Average total assets | $39,760,600 | 7,103 |
| Average earning assets | $33,907,200 | 7,191 |
| Average equity | $7,179,800 | 6,208 |
| Average total loans | $4,921,400 | 7,895 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2404% | 8,055 |
| Cost of funding earning assets | 0.1908% | 8,033 |
| Net interest margin | 1.0496% | 8,016 |
| Noninterest income to average assets | 1.9851% | 376 |
| Noninterest expense to average assets | 4.1807% | 1,054 |
| Loan and lease loss provision to assets | 0.0817% | 6,549 |
| Net operating income to assets | -0.8795% | 6,746 |
| Return on assets (ROA) | -0.8795% | 6,746 |
| Pretax return on assets | -1.3789% | 6,901 |
| Return on Equity (ROE) | -5.1478% | 6,473 |
| Retained earnings to average equity (ytd only) | -5.1478% | 6,278 |
| Net charge-offs to loans | 0.9251% | 2,118 |
| Credit loss provision to net charge-offs | 76.4706% | 5,853 |
| Earnings coverage of net charge-offs (x) | -12.1476% | 6,914 |
| Efficiency ratio | 144.9891% | 340 |
| Assets per employee ($millions) | 3.6126% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,546 |
| Loan loss allowance to noncurrent loans | 10.1512% | 7,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4240% | 4,257 |
| Noncurrent loans to loans | 9.3592% | 455 |
| Net loans and leases to total assets | 15.0709% | 7,990 |
| Net loans and leases to deposits | 19.4932% | 7,996 |
| Net loans and leases to core deposits | 19.9058% | 8,005 |
| Total domestic deposits to total assets | 77.3137% | 6,264 |
| Equity capital to assets | 21.8866% | 249 |
| Core capital (leverage) ratio | 20.4020% | 288 |
| Tier 1 risk-based capital ratio | 90.7885% | 68 |
| Total risk-based capital ratio | 91.3881% | 68 |
| Memoranda: | ||
| Average total assets | $42,447,750 | 7,056 |
| Average earning assets | $36,331,500 | 7,144 |
| Average equity | $7,252,000 | 6,244 |
| Average total loans | $4,900,000 | 7,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1706% | 8,153 |
| Cost of funding earning assets | 0.1738% | 8,132 |
| Net interest margin | 0.9968% | 8,102 |
| Noninterest income to average assets | 1.9624% | 389 |
| Noninterest expense to average assets | 4.0167% | 1,291 |
| Loan and lease loss provision to assets | 0.1224% | 5,888 |
| Net operating income to assets | -0.8741% | 6,885 |
| Return on assets (ROA) | -0.8741% | 6,892 |
| Pretax return on assets | -1.3243% | 7,003 |
| Return on Equity (ROE) | -5.4815% | 6,657 |
| Retained earnings to average equity (ytd only) | -5.4815% | 6,372 |
| Net charge-offs to loans | 1.4741% | 1,287 |
| Credit loss provision to net charge-offs | 77.7778% | 5,257 |
| Earnings coverage of net charge-offs (x) | -7.6389% | 6,500 |
| Efficiency ratio | 142.7019% | 409 |
| Assets per employee ($millions) | 5.1359% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 6,067 |
| Loan loss allowance to noncurrent loans | 45.6311% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 4,997 |
| Noncurrent loans to loans | 2.2391% | 3,203 |
| Net loans and leases to total assets | 9.8501% | 8,106 |
| Net loans and leases to deposits | 11.7400% | 8,118 |
| Net loans and leases to core deposits | 11.8992% | 8,112 |
| Total domestic deposits to total assets | 83.9020% | 3,825 |
| Equity capital to assets | 15.5680% | 911 |
| Core capital (leverage) ratio | 17.6819% | 545 |
| Tier 1 risk-based capital ratio | 89.4024% | 75 |
| Total risk-based capital ratio | 89.9863% | 75 |
| Memoranda: | ||
| Average total assets | $45,759,330 | 6,991 |
| Average earning assets | $39,123,670 | 7,086 |
| Average equity | $7,297,330 | 6,265 |
| Average total loans | $4,884,330 | 8,059 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2006% | 8,209 |
| Cost of funding earning assets | 0.1790% | 8,185 |
| Net interest margin | 1.0215% | 8,162 |
| Noninterest income to average assets | 1.8978% | 395 |
| Noninterest expense to average assets | 3.9273% | 1,274 |
| Loan and lease loss provision to assets | 0.1054% | 5,617 |
| Net operating income to assets | -0.8434% | 7,149 |
| Return on assets (ROA) | -0.8434% | 7,184 |
| Pretax return on assets | -1.2827% | 7,292 |
| Return on Equity (ROE) | -5.2259% | 6,994 |
| Retained earnings to average equity (ytd only) | -5.2259% | 6,582 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.8115% | 392 |
| Assets per employee ($millions) | 5.3828% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 3,780 |
| Loan loss allowance to noncurrent loans | 57.2650% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 4,781 |
| Noncurrent loans to loans | 2.3632% | 2,791 |
| Net loans and leases to total assets | 10.0815% | 8,159 |
| Net loans and leases to deposits | 11.9527% | 8,169 |
| Net loans and leases to core deposits | 12.1366% | 8,165 |
| Total domestic deposits to total assets | 84.3451% | 3,536 |
| Equity capital to assets | 15.0686% | 1,086 |
| Core capital (leverage) ratio | 17.9027% | 569 |
| Tier 1 risk-based capital ratio | 82.1794% | 85 |
| Total risk-based capital ratio | 82.9337% | 85 |
| Memoranda: | ||
| Average total assets | $45,527,500 | 7,048 |
| Average earning assets | $37,981,500 | 7,169 |
| Average equity | $7,348,000 | 6,277 |
| Average total loans | $5,026,500 | 8,109 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5966% | 8,193 |
| Cost of funding earning assets | 0.2276% | 8,234 |
| Net interest margin | 2.3690% | 7,873 |
| Noninterest income to average assets | 2.2791% | 286 |
| Noninterest expense to average assets | 4.5117% | 876 |
| Loan and lease loss provision to assets | -0.0202% | 8,213 |
| Net operating income to assets | -0.1072% | 6,504 |
| Return on assets (ROA) | -0.1072% | 6,357 |
| Pretax return on assets | -0.2123% | 6,379 |
| Return on Equity (ROE) | -0.7029% | 6,325 |
| Retained earnings to average equity (ytd only) | -2.9707% | 6,097 |
| Net charge-offs to loans | 0.0787% | 5,639 |
| Credit loss provision to net charge-offs | -250.0000% | 7,360 |
| Earnings coverage of net charge-offs (x) | -28.7500% | 6,955 |
| Efficiency ratio | 105.4348% | 821 |
| Assets per employee ($millions) | 4.7344% | 2,277 |
| Cash dividends to net income (ytd only)* | -322.6415% | 8,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 5,433 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 4,651 |
| Noncurrent loans to loans | 0.6468% | 5,427 |
| Net loans and leases to total assets | 11.8446% | 8,208 |
| Net loans and leases to deposits | 14.4311% | 8,216 |
| Net loans and leases to core deposits | 14.6899% | 8,217 |
| Total domestic deposits to total assets | 82.0770% | 4,169 |
| Equity capital to assets | 17.3574% | 734 |
| Core capital (leverage) ratio | 19.2906% | 490 |
| Tier 1 risk-based capital ratio | 84.4967% | 94 |
| Total risk-based capital ratio | 85.1251% | 93 |
| Memoranda: | ||
| Average total assets | $49,449,200 | 6,803 |
| Average earning assets | $41,747,400 | 6,959 |
| Average equity | $7,540,400 | 6,265 |
| Average total loans | $5,082,400 | 8,157 |