Home > Central Bank of Jefferson County > Performance and Condition Ratios
Central Bank of Jefferson County, 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 | 4.0826% | 2,712 |
| Cost of funding earning assets | 0.4152% | 2,855 |
| Net interest margin | 3.6674% | 2,618 |
| Noninterest income to average assets | 0.4980% | 2,991 |
| Noninterest expense to average assets | 3.0378% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5679% | 4,291 |
| Return on assets (ROA) | 0.5679% | 4,335 |
| Pretax return on assets | 0.8045% | 4,096 |
| Return on Equity (ROE) | 4.0094% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.0094% | 3,446 |
| Net charge-offs to loans | -0.0473% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0616% | 1,478 |
| Assets per employee ($millions) | 7.0982% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 4,090 |
| Loan loss allowance to noncurrent loans | 76.2778% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 1,578 |
| Noncurrent loans to loans | 1.3521% | 1,494 |
| Net loans and leases to total assets | 74.2454% | 1,696 |
| Net loans and leases to deposits | 89.6822% | 1,579 |
| Net loans and leases to core deposits | 99.4700% | 1,549 |
| Total domestic deposits to total assets | 82.7873% | 3,920 |
| Equity capital to assets | 14.2362% | 839 |
| Core capital (leverage) ratio | 11.5420% | 1,913 |
| Tier 1 risk-based capital ratio | 13.5422% | 3,751 |
| Total risk-based capital ratio | 14.4792% | 3,850 |
| Memoranda: | ||
| Average total assets | $177,497,500 | 3,210 |
| Average earning assets | $161,859,000 | 3,247 |
| Average equity | $25,141,000 | 2,703 |
| Average total loans | $135,256,000 | 2,884 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0883% | 2,901 |
| Cost of funding earning assets | 0.4739% | 2,319 |
| Net interest margin | 3.6145% | 3,024 |
| Noninterest income to average assets | 0.7278% | 2,043 |
| Noninterest expense to average assets | 3.1509% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5947% | 4,224 |
| Return on assets (ROA) | 0.5947% | 4,337 |
| Pretax return on assets | 0.8627% | 3,965 |
| Return on Equity (ROE) | 4.2746% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.2746% | 2,864 |
| Net charge-offs to loans | 0.0324% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 35.2558% | 1,293 |
| Efficiency ratio | 78.5056% | 1,624 |
| Assets per employee ($millions) | 7.1016% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,403 |
| Loan loss allowance to noncurrent loans | 96.1048% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 1,623 |
| Noncurrent loans to loans | 1.0278% | 2,028 |
| Net loans and leases to total assets | 76.6192% | 1,421 |
| Net loans and leases to deposits | 92.6344% | 1,351 |
| Net loans and leases to core deposits | 103.2259% | 1,341 |
| Total domestic deposits to total assets | 82.7114% | 3,854 |
| Equity capital to assets | 14.0921% | 858 |
| Core capital (leverage) ratio | 11.2841% | 2,095 |
| Tier 1 risk-based capital ratio | 13.7621% | 3,602 |
| Total risk-based capital ratio | 14.7158% | 3,686 |
| Memoranda: | ||
| Average total assets | $175,729,200 | 3,213 |
| Average earning assets | $159,747,600 | 3,242 |
| Average equity | $24,447,000 | 2,764 |
| Average total loans | $132,670,200 | 2,882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 2,973 |
| Cost of funding earning assets | 0.4893% | 2,181 |
| Net interest margin | 3.5845% | 3,138 |
| Noninterest income to average assets | 0.7219% | 2,070 |
| Noninterest expense to average assets | 3.1949% | 1,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5386% | 4,540 |
| Return on assets (ROA) | 0.5386% | 4,648 |
| Pretax return on assets | 0.7812% | 4,363 |
| Return on Equity (ROE) | 3.8841% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.8841% | 3,538 |
| Net charge-offs to loans | 0.0061% | 3,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 171.1625% | 424 |
| Efficiency ratio | 80.3520% | 1,399 |
| Assets per employee ($millions) | 6.6453% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 4,286 |
| Loan loss allowance to noncurrent loans | 71.9525% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 1.2339% | 1,597 |
| Noncurrent loans to loans | 1.4204% | 1,537 |
| Net loans and leases to total assets | 78.0812% | 1,181 |
| Net loans and leases to deposits | 94.9588% | 1,152 |
| Net loans and leases to core deposits | 105.8808% | 1,191 |
| Total domestic deposits to total assets | 82.2264% | 3,866 |
| Equity capital to assets | 14.2899% | 932 |
| Core capital (leverage) ratio | 11.3214% | 2,172 |
| Tier 1 risk-based capital ratio | 14.0489% | 3,538 |
| Total risk-based capital ratio | 15.0730% | 3,581 |
| Memoranda: | ||
| Average total assets | $175,276,750 | 3,232 |
| Average earning assets | $159,123,500 | 3,269 |
| Average equity | $24,304,000 | 2,794 |
| Average total loans | $131,491,250 | 2,911 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,012 |
| Cost of funding earning assets | 0.5037% | 2,076 |
| Net interest margin | 3.5606% | 3,249 |
| Noninterest income to average assets | 0.6337% | 2,448 |
| Noninterest expense to average assets | 3.1991% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4633% | 4,827 |
| Return on assets (ROA) | 0.4633% | 4,913 |
| Pretax return on assets | 0.6700% | 4,709 |
| Return on Equity (ROE) | 3.3753% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.3753% | 3,748 |
| Net charge-offs to loans | 0.0323% | 2,810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 28.0952% | 1,439 |
| Efficiency ratio | 82.6827% | 1,190 |
| Assets per employee ($millions) | 6.7517% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 4,185 |
| Loan loss allowance to noncurrent loans | 69.6311% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4509% | 1,339 |
| Noncurrent loans to loans | 1.5181% | 1,438 |
| Net loans and leases to total assets | 73.4772% | 1,935 |
| Net loans and leases to deposits | 88.9477% | 1,874 |
| Net loans and leases to core deposits | 98.3972% | 1,771 |
| Total domestic deposits to total assets | 82.6071% | 3,792 |
| Equity capital to assets | 13.8906% | 1,064 |
| Core capital (leverage) ratio | 11.0279% | 2,407 |
| Tier 1 risk-based capital ratio | 14.2869% | 3,442 |
| Total risk-based capital ratio | 15.3336% | 3,474 |
| Memoranda: | ||
| Average total assets | $176,109,330 | 3,241 |
| Average earning assets | $160,029,670 | 3,266 |
| Average equity | $24,175,330 | 2,819 |
| Average total loans | $129,888,000 | 2,928 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,277 |
| Cost of funding earning assets | 0.5215% | 1,929 |
| Net interest margin | 3.4611% | 3,616 |
| Noninterest income to average assets | 0.6984% | 2,048 |
| Noninterest expense to average assets | 3.1521% | 1,953 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4581% | 4,798 |
| Return on assets (ROA) | 0.4581% | 4,880 |
| Pretax return on assets | 0.6916% | 4,550 |
| Return on Equity (ROE) | 3.3567% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.3567% | 3,819 |
| Net charge-offs to loans | -0.0586% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0059% | 1,370 |
| Assets per employee ($millions) | 6.6763% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,059 |
| Loan loss allowance to noncurrent loans | 59.1820% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 1.7202% | 1,117 |
| Noncurrent loans to loans | 1.8562% | 1,194 |
| Net loans and leases to total assets | 73.5455% | 1,807 |
| Net loans and leases to deposits | 92.8303% | 1,245 |
| Net loans and leases to core deposits | 102.9540% | 1,269 |
| Total domestic deposits to total assets | 79.2257% | 4,918 |
| Equity capital to assets | 13.9183% | 1,018 |
| Core capital (leverage) ratio | 10.9862% | 2,415 |
| Tier 1 risk-based capital ratio | 14.0053% | 3,690 |
| Total risk-based capital ratio | 15.0729% | 3,736 |
| Memoranda: | ||
| Average total assets | $176,392,500 | 3,244 |
| Average earning assets | $160,297,000 | 3,277 |
| Average equity | $24,071,000 | 2,825 |
| Average total loans | $129,651,000 | 2,940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1436% | 2,759 |
| Cost of funding earning assets | 0.5880% | 1,448 |
| Net interest margin | 3.5556% | 3,302 |
| Noninterest income to average assets | 0.4008% | 4,031 |
| Noninterest expense to average assets | 2.9807% | 2,615 |
| Loan and lease loss provision to assets | 0.0127% | 4,155 |
| Net operating income to assets | 0.4289% | 4,957 |
| Return on assets (ROA) | 0.4289% | 5,035 |
| Pretax return on assets | 0.6298% | 4,747 |
| Return on Equity (ROE) | 3.2982% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.2982% | 3,700 |
| Net charge-offs to loans | -0.1054% | 5,793 |
| Credit loss provision to net charge-offs | -16.0839% | 4,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2671% | 1,367 |
| Assets per employee ($millions) | 6.8923% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 4,184 |
| Loan loss allowance to noncurrent loans | 59.1794% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7829% | 1,069 |
| Noncurrent loans to loans | 1.8154% | 1,203 |
| Net loans and leases to total assets | 71.8867% | 2,076 |
| Net loans and leases to deposits | 86.7242% | 2,039 |
| Net loans and leases to core deposits | 95.8497% | 1,868 |
| Total domestic deposits to total assets | 82.8912% | 3,873 |
| Equity capital to assets | 13.3828% | 1,172 |
| Core capital (leverage) ratio | 10.3710% | 3,086 |
| Tier 1 risk-based capital ratio | 13.5448% | 3,983 |
| Total risk-based capital ratio | 14.5741% | 4,039 |
| Memoranda: | ||
| Average total assets | $181,637,400 | 3,144 |
| Average earning assets | $164,614,000 | 3,195 |
| Average equity | $23,619,200 | 2,821 |
| Average total loans | $135,614,200 | 2,791 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2115% | 2,534 |
| Cost of funding earning assets | 0.5980% | 1,420 |
| Net interest margin | 3.6136% | 3,102 |
| Noninterest income to average assets | 0.3914% | 4,143 |
| Noninterest expense to average assets | 2.9944% | 2,546 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4565% | 4,949 |
| Return on assets (ROA) | 0.4565% | 5,044 |
| Pretax return on assets | 0.6687% | 4,783 |
| Return on Equity (ROE) | 3.5361% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.5361% | 3,951 |
| Net charge-offs to loans | -0.1889% | 5,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7456% | 1,428 |
| Assets per employee ($millions) | 7.0856% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 4,291 |
| Loan loss allowance to noncurrent loans | 84.7387% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 1,761 |
| Noncurrent loans to loans | 1.2855% | 1,989 |
| Net loans and leases to total assets | 70.3348% | 2,343 |
| Net loans and leases to deposits | 84.6293% | 2,328 |
| Net loans and leases to core deposits | 94.0476% | 2,070 |
| Total domestic deposits to total assets | 83.1093% | 3,776 |
| Equity capital to assets | 12.9368% | 1,480 |
| Core capital (leverage) ratio | 10.4097% | 3,156 |
| Tier 1 risk-based capital ratio | 13.2453% | 4,292 |
| Total risk-based capital ratio | 14.2814% | 4,333 |
| Memoranda: | ||
| Average total assets | $182,246,750 | 3,164 |
| Average earning assets | $165,003,250 | 3,217 |
| Average equity | $23,528,500 | 2,852 |
| Average total loans | $136,962,750 | 2,784 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,099 |
| Cost of funding earning assets | 0.6091% | 1,351 |
| Net interest margin | 3.7155% | 2,645 |
| Noninterest income to average assets | 0.3833% | 4,205 |
| Noninterest expense to average assets | 2.9969% | 2,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5144% | 4,706 |
| Return on assets (ROA) | 0.5144% | 4,812 |
| Pretax return on assets | 0.7523% | 4,486 |
| Return on Equity (ROE) | 3.9869% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.9869% | 3,478 |
| Net charge-offs to loans | -0.1684% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9354% | 1,772 |
| Assets per employee ($millions) | 7.2060% | 764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 4,888 |
| Loan loss allowance to noncurrent loans | 87.6055% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 1,945 |
| Noncurrent loans to loans | 1.1357% | 2,380 |
| Net loans and leases to total assets | 74.5733% | 1,573 |
| Net loans and leases to deposits | 89.2603% | 1,688 |
| Net loans and leases to core deposits | 99.7246% | 1,514 |
| Total domestic deposits to total assets | 83.5458% | 3,744 |
| Equity capital to assets | 13.1352% | 1,333 |
| Core capital (leverage) ratio | 10.4728% | 3,000 |
| Tier 1 risk-based capital ratio | 12.9765% | 4,530 |
| Total risk-based capital ratio | 13.9268% | 4,625 |
| Memoranda: | ||
| Average total assets | $181,587,000 | 3,198 |
| Average earning assets | $164,498,000 | 3,245 |
| Average equity | $23,427,000 | 2,875 |
| Average total loans | $138,949,670 | 2,764 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 2,518 |
| Cost of funding earning assets | 0.6109% | 1,361 |
| Net interest margin | 3.5735% | 3,112 |
| Noninterest income to average assets | 0.3423% | 4,460 |
| Noninterest expense to average assets | 2.8238% | 3,164 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5288% | 4,549 |
| Return on assets (ROA) | 0.5288% | 4,666 |
| Pretax return on assets | 0.7657% | 4,365 |
| Return on Equity (ROE) | 4.1357% | 4,923 |
| Retained earnings to average equity (ytd only) | 4.1357% | 3,524 |
| Net charge-offs to loans | -0.1992% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6675% | 2,091 |
| Assets per employee ($millions) | 7.8358% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 5,387 |
| Loan loss allowance to noncurrent loans | 64.4093% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 1,626 |
| Noncurrent loans to loans | 1.4228% | 2,018 |
| Net loans and leases to total assets | 78.1705% | 897 |
| Net loans and leases to deposits | 93.5173% | 1,034 |
| Net loans and leases to core deposits | 103.9290% | 1,068 |
| Total domestic deposits to total assets | 83.5893% | 3,977 |
| Equity capital to assets | 13.0060% | 1,402 |
| Core capital (leverage) ratio | 10.4132% | 3,083 |
| Tier 1 risk-based capital ratio | 12.3869% | 4,981 |
| Total risk-based capital ratio | 13.2733% | 5,118 |
| Memoranda: | ||
| Average total assets | $182,306,000 | 3,210 |
| Average earning assets | $165,664,500 | 3,242 |
| Average equity | $23,309,000 | 2,900 |
| Average total loans | $140,578,000 | 2,748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,880 |
| Cost of funding earning assets | 0.7106% | 1,046 |
| Net interest margin | 3.2473% | 4,760 |
| Noninterest income to average assets | 0.2266% | 5,503 |
| Noninterest expense to average assets | 2.7608% | 3,634 |
| Loan and lease loss provision to assets | 0.0418% | 3,741 |
| Net operating income to assets | 0.2777% | 5,578 |
| Return on assets (ROA) | 0.2777% | 5,645 |
| Pretax return on assets | 0.3681% | 5,565 |
| Return on Equity (ROE) | 2.3545% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.3545% | 4,551 |
| Net charge-offs to loans | 0.3832% | 1,116 |
| Credit loss provision to net charge-offs | 15.3992% | 4,032 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 4,402 |
| Efficiency ratio | 87.0726% | 1,068 |
| Assets per employee ($millions) | 7.3755% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 5,512 |
| Loan loss allowance to noncurrent loans | 57.5093% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7084% | 1,564 |
| Noncurrent loans to loans | 1.5428% | 1,901 |
| Net loans and leases to total assets | 74.7001% | 1,464 |
| Net loans and leases to deposits | 89.8627% | 1,531 |
| Net loans and leases to core deposits | 95.5432% | 1,762 |
| Total domestic deposits to total assets | 83.1269% | 4,032 |
| Equity capital to assets | 12.5702% | 1,606 |
| Core capital (leverage) ratio | 9.5795% | 4,132 |
| Tier 1 risk-based capital ratio | 11.9757% | 5,381 |
| Total risk-based capital ratio | 12.8273% | 5,531 |
| Memoranda: | ||
| Average total assets | $193,714,200 | 3,062 |
| Average earning assets | $175,623,800 | 3,092 |
| Average equity | $22,849,400 | 2,860 |
| Average total loans | $137,272,400 | 2,748 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 4,383 |
| Cost of funding earning assets | 0.7160% | 1,072 |
| Net interest margin | 3.1306% | 5,173 |
| Noninterest income to average assets | 0.1850% | 5,811 |
| Noninterest expense to average assets | 2.7347% | 3,694 |
| Loan and lease loss provision to assets | 0.0449% | 3,494 |
| Net operating income to assets | 0.1972% | 5,851 |
| Return on assets (ROA) | 0.1972% | 5,903 |
| Pretax return on assets | 0.2421% | 5,882 |
| Return on Equity (ROE) | 1.6983% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.6983% | 5,199 |
| Net charge-offs to loans | 0.2816% | 1,396 |
| Credit loss provision to net charge-offs | 22.8374% | 3,551 |
| Earnings coverage of net charge-offs (x) | 1.4602% | 4,150 |
| Efficiency ratio | 90.5019% | 807 |
| Assets per employee ($millions) | 7.5944% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 4,948 |
| Loan loss allowance to noncurrent loans | 45.6829% | 5,281 |
| Noncurrent assets plus other real estate owned to assets | 2.4950% | 1,058 |
| Noncurrent loans to loans | 2.3171% | 1,291 |
| Net loans and leases to total assets | 71.6316% | 1,919 |
| Net loans and leases to deposits | 84.7029% | 2,068 |
| Net loans and leases to core deposits | 90.2413% | 2,201 |
| Total domestic deposits to total assets | 84.5680% | 3,516 |
| Equity capital to assets | 12.0748% | 1,994 |
| Core capital (leverage) ratio | 9.1953% | 4,797 |
| Tier 1 risk-based capital ratio | 11.7164% | 5,667 |
| Total risk-based capital ratio | 12.7137% | 5,739 |
| Memoranda: | ||
| Average total assets | $196,045,750 | 3,061 |
| Average earning assets | $177,642,250 | 3,097 |
| Average equity | $22,767,250 | 2,875 |
| Average total loans | $136,847,750 | 2,764 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7544% | 4,675 |
| Cost of funding earning assets | 0.7239% | 1,059 |
| Net interest margin | 3.0305% | 5,446 |
| Noninterest income to average assets | 0.2504% | 5,408 |
| Noninterest expense to average assets | 2.7601% | 3,661 |
| Loan and lease loss provision to assets | 0.0666% | 2,935 |
| Net operating income to assets | 0.1514% | 5,951 |
| Return on assets (ROA) | 0.1514% | 5,985 |
| Pretax return on assets | 0.1706% | 5,988 |
| Return on Equity (ROE) | 1.3207% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.3207% | 5,217 |
| Net charge-offs to loans | 0.2415% | 1,596 |
| Credit loss provision to net charge-offs | 40.0000% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.4242% | 3,809 |
| Efficiency ratio | 92.0849% | 761 |
| Assets per employee ($millions) | 7.7710% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 4,736 |
| Loan loss allowance to noncurrent loans | 60.3824% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 2.2720% | 1,326 |
| Noncurrent loans to loans | 1.8800% | 1,825 |
| Net loans and leases to total assets | 70.7840% | 1,953 |
| Net loans and leases to deposits | 82.8938% | 2,151 |
| Net loans and leases to core deposits | 88.7079% | 2,239 |
| Total domestic deposits to total assets | 85.3913% | 3,330 |
| Equity capital to assets | 11.7437% | 2,210 |
| Core capital (leverage) ratio | 9.0136% | 5,000 |
| Tier 1 risk-based capital ratio | 11.3760% | 5,865 |
| Total risk-based capital ratio | 12.4356% | 5,905 |
| Memoranda: | ||
| Average total assets | $198,108,000 | 3,059 |
| Average earning assets | $179,575,330 | 3,088 |
| Average equity | $22,714,670 | 2,880 |
| Average total loans | $136,645,670 | 2,770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 4,969 |
| Cost of funding earning assets | 0.7240% | 1,105 |
| Net interest margin | 2.9376% | 5,678 |
| Noninterest income to average assets | 0.2000% | 5,758 |
| Noninterest expense to average assets | 2.7857% | 3,622 |
| Loan and lease loss provision to assets | 0.0280% | 3,462 |
| Net operating income to assets | 0.0720% | 6,084 |
| Return on assets (ROA) | 0.0720% | 6,109 |
| Pretax return on assets | 0.0640% | 6,135 |
| Return on Equity (ROE) | 0.6354% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.6354% | 5,335 |
| Net charge-offs to loans | 0.0030% | 3,620 |
| Credit loss provision to net charge-offs | 1,400.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 803 |
| Efficiency ratio | 96.8033% | 602 |
| Assets per employee ($millions) | 8.3628% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 4,365 |
| Loan loss allowance to noncurrent loans | 57.2057% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.3696% | 1,372 |
| Noncurrent loans to loans | 2.1888% | 1,664 |
| Net loans and leases to total assets | 66.4453% | 2,490 |
| Net loans and leases to deposits | 77.4486% | 2,633 |
| Net loans and leases to core deposits | 82.7712% | 2,662 |
| Total domestic deposits to total assets | 85.7928% | 3,472 |
| Equity capital to assets | 11.3055% | 2,415 |
| Core capital (leverage) ratio | 8.7272% | 5,347 |
| Tier 1 risk-based capital ratio | 11.3706% | 5,978 |
| Total risk-based capital ratio | 12.5117% | 5,985 |
| Memoranda: | ||
| Average total assets | $200,025,000 | 3,047 |
| Average earning assets | $182,323,000 | 3,071 |
| Average equity | $22,664,500 | 2,870 |
| Average total loans | $135,421,500 | 2,807 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 4,390 |
| Cost of funding earning assets | 0.8196% | 1,094 |
| Net interest margin | 3.0997% | 5,316 |
| Noninterest income to average assets | 0.3151% | 5,091 |
| Noninterest expense to average assets | 2.6824% | 4,152 |
| Loan and lease loss provision to assets | 0.1237% | 2,764 |
| Net operating income to assets | 0.2465% | 5,698 |
| Return on assets (ROA) | 0.2465% | 5,766 |
| Pretax return on assets | 0.3227% | 5,666 |
| Return on Equity (ROE) | 2.2154% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.2154% | 4,669 |
| Net charge-offs to loans | 0.4615% | 1,439 |
| Credit loss provision to net charge-offs | 39.2063% | 4,062 |
| Earnings coverage of net charge-offs (x) | 1.4143% | 4,585 |
| Efficiency ratio | 85.7326% | 1,438 |
| Assets per employee ($millions) | 8.3059% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 4,471 |
| Loan loss allowance to noncurrent loans | 46.4563% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 2.4265% | 1,425 |
| Noncurrent loans to loans | 2.6600% | 1,384 |
| Net loans and leases to total assets | 67.2778% | 2,477 |
| Net loans and leases to deposits | 80.0354% | 2,455 |
| Net loans and leases to core deposits | 85.5869% | 2,496 |
| Total domestic deposits to total assets | 84.0601% | 4,144 |
| Equity capital to assets | 11.3564% | 2,286 |
| Core capital (leverage) ratio | 8.4725% | 5,701 |
| Tier 1 risk-based capital ratio | 11.3426% | 5,998 |
| Total risk-based capital ratio | 12.4890% | 6,002 |
| Memoranda: | ||
| Average total assets | $199,596,200 | 3,035 |
| Average earning assets | $181,179,800 | 3,053 |
| Average equity | $22,208,000 | 2,902 |
| Average total loans | $136,498,400 | 2,753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 4,496 |
| Cost of funding earning assets | 0.8349% | 1,124 |
| Net interest margin | 3.0669% | 5,409 |
| Noninterest income to average assets | 0.2778% | 5,457 |
| Noninterest expense to average assets | 2.7353% | 3,882 |
| Loan and lease loss provision to assets | 0.1736% | 2,093 |
| Net operating income to assets | 0.1356% | 6,064 |
| Return on assets (ROA) | 0.1356% | 6,134 |
| Pretax return on assets | 0.1482% | 6,143 |
| Return on Equity (ROE) | 1.2247% | 6,137 |
| Retained earnings to average equity (ytd only) | 1.2247% | 5,489 |
| Net charge-offs to loans | 0.3434% | 1,827 |
| Credit loss provision to net charge-offs | 73.8636% | 2,982 |
| Earnings coverage of net charge-offs (x) | 1.3693% | 4,377 |
| Efficiency ratio | 89.4714% | 1,042 |
| Assets per employee ($millions) | 8.9211% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4743% | 3,569 |
| Loan loss allowance to noncurrent loans | 38.5022% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 2.8350% | 1,312 |
| Noncurrent loans to loans | 3.8292% | 944 |
| Net loans and leases to total assets | 64.1285% | 2,982 |
| Net loans and leases to deposits | 75.2740% | 3,054 |
| Net loans and leases to core deposits | 80.3809% | 3,080 |
| Total domestic deposits to total assets | 85.1934% | 3,638 |
| Equity capital to assets | 10.8668% | 2,896 |
| Core capital (leverage) ratio | 8.3165% | 5,958 |
| Tier 1 risk-based capital ratio | 11.1819% | 6,200 |
| Total risk-based capital ratio | 12.4335% | 6,167 |
| Memoranda: | ||
| Average total assets | $199,659,750 | 3,061 |
| Average earning assets | $180,937,250 | 3,089 |
| Average equity | $22,100,500 | 2,953 |
| Average total loans | $136,675,250 | 2,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 4,267 |
| Cost of funding earning assets | 0.8622% | 1,076 |
| Net interest margin | 3.0972% | 5,283 |
| Noninterest income to average assets | 0.3124% | 5,203 |
| Noninterest expense to average assets | 2.8056% | 3,657 |
| Loan and lease loss provision to assets | 0.1972% | 1,927 |
| Net operating income to assets | 0.1031% | 6,130 |
| Return on assets (ROA) | 0.1031% | 6,217 |
| Pretax return on assets | 0.1062% | 6,222 |
| Return on Equity (ROE) | 0.9258% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.9258% | 5,532 |
| Net charge-offs to loans | 0.5533% | 1,193 |
| Credit loss provision to net charge-offs | 51.1811% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.7874% | 4,265 |
| Efficiency ratio | 90.2439% | 1,042 |
| Assets per employee ($millions) | 9.0433% | 300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,170 |
| Loan loss allowance to noncurrent loans | 34.3721% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 3.2817% | 1,201 |
| Noncurrent loans to loans | 3.9861% | 979 |
| Net loans and leases to total assets | 67.8437% | 2,273 |
| Net loans and leases to deposits | 78.9944% | 2,458 |
| Net loans and leases to core deposits | 84.0753% | 2,556 |
| Total domestic deposits to total assets | 85.8841% | 3,428 |
| Equity capital to assets | 11.0891% | 2,668 |
| Core capital (leverage) ratio | 8.2790% | 5,907 |
| Tier 1 risk-based capital ratio | 10.9274% | 6,367 |
| Total risk-based capital ratio | 12.1773% | 6,336 |
| Memoranda: | ||
| Average total assets | $197,818,000 | 3,093 |
| Average earning assets | $178,611,000 | 3,140 |
| Average equity | $22,035,000 | 2,983 |
| Average total loans | $137,716,670 | 2,751 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 4,175 |
| Cost of funding earning assets | 0.8796% | 1,085 |
| Net interest margin | 3.1069% | 5,237 |
| Noninterest income to average assets | 0.2494% | 5,674 |
| Noninterest expense to average assets | 2.8958% | 3,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1298% | 6,093 |
| Return on assets (ROA) | 0.1298% | 6,184 |
| Pretax return on assets | 0.1541% | 6,164 |
| Return on Equity (ROE) | 1.1625% | 6,183 |
| Retained earnings to average equity (ytd only) | 1.1625% | 5,386 |
| Net charge-offs to loans | 0.4488% | 1,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4903% | 3,657 |
| Efficiency ratio | 94.9468% | 773 |
| Assets per employee ($millions) | 8.3312% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,233 |
| Loan loss allowance to noncurrent loans | 31.6874% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 3.9780% | 1,006 |
| Noncurrent loans to loans | 4.4160% | 960 |
| Net loans and leases to total assets | 67.1690% | 2,162 |
| Net loans and leases to deposits | 77.7509% | 2,374 |
| Net loans and leases to core deposits | 83.1237% | 2,445 |
| Total domestic deposits to total assets | 86.3900% | 3,304 |
| Equity capital to assets | 11.0219% | 2,943 |
| Core capital (leverage) ratio | 8.5414% | 5,528 |
| Tier 1 risk-based capital ratio | 10.6592% | 6,536 |
| Total risk-based capital ratio | 11.9090% | 6,499 |
| Memoranda: | ||
| Average total assets | $197,250,500 | 3,127 |
| Average earning assets | $177,800,000 | 3,176 |
| Average equity | $22,021,500 | 3,025 |
| Average total loans | $138,149,000 | 2,760 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4822% | 3,478 |
| Cost of funding earning assets | 0.9728% | 1,509 |
| Net interest margin | 3.5094% | 4,461 |
| Noninterest income to average assets | 0.8482% | 2,050 |
| Noninterest expense to average assets | 2.9655% | 3,401 |
| Loan and lease loss provision to assets | 0.6375% | 844 |
| Net operating income to assets | 0.2885% | 5,509 |
| Return on assets (ROA) | 0.2885% | 5,720 |
| Pretax return on assets | 0.3807% | 5,624 |
| Return on Equity (ROE) | 2.4762% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.4762% | 4,489 |
| Net charge-offs to loans | 0.7242% | 1,624 |
| Credit loss provision to net charge-offs | 115.8869% | 2,492 |
| Earnings coverage of net charge-offs (x) | 1.8509% | 4,505 |
| Efficiency ratio | 74.4415% | 2,998 |
| Assets per employee ($millions) | 7.7821% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,859 |
| Loan loss allowance to noncurrent loans | 40.6108% | 5,590 |
| Noncurrent assets plus other real estate owned to assets | 3.8416% | 1,142 |
| Noncurrent loans to loans | 3.6227% | 1,353 |
| Net loans and leases to total assets | 70.9462% | 1,659 |
| Net loans and leases to deposits | 80.6351% | 2,201 |
| Net loans and leases to core deposits | 85.8506% | 2,328 |
| Total domestic deposits to total assets | 87.9843% | 2,244 |
| Equity capital to assets | 11.3105% | 2,622 |
| Core capital (leverage) ratio | 8.3769% | 5,787 |
| Tier 1 risk-based capital ratio | 10.5106% | 6,549 |
| Total risk-based capital ratio | 11.7617% | 6,518 |
| Memoranda: | ||
| Average total assets | $186,509,000 | 3,212 |
| Average earning assets | $166,636,200 | 3,278 |
| Average equity | $21,726,800 | 3,007 |
| Average total loans | $141,665,600 | 2,695 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 3,252 |
| Cost of funding earning assets | 0.9778% | 1,693 |
| Net interest margin | 3.6114% | 4,186 |
| Noninterest income to average assets | 0.7422% | 2,518 |
| Noninterest expense to average assets | 3.0171% | 3,181 |
| Loan and lease loss provision to assets | 0.7812% | 618 |
| Net operating income to assets | 0.1496% | 6,033 |
| Return on assets (ROA) | 0.1496% | 6,190 |
| Pretax return on assets | 0.1655% | 6,177 |
| Return on Equity (ROE) | 1.2744% | 6,198 |
| Retained earnings to average equity (ytd only) | 1.2744% | 5,660 |
| Net charge-offs to loans | 0.9170% | 1,185 |
| Credit loss provision to net charge-offs | 110.6448% | 2,652 |
| Earnings coverage of net charge-offs (x) | 1.3408% | 4,626 |
| Efficiency ratio | 76.1167% | 2,660 |
| Assets per employee ($millions) | 7.7654% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 4,106 |
| Loan loss allowance to noncurrent loans | 30.5043% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 4.2470% | 1,113 |
| Noncurrent loans to loans | 4.7921% | 963 |
| Net loans and leases to total assets | 69.5150% | 2,010 |
| Net loans and leases to deposits | 78.9171% | 2,542 |
| Net loans and leases to core deposits | 84.1479% | 2,672 |
| Total domestic deposits to total assets | 88.0861% | 1,997 |
| Equity capital to assets | 11.1742% | 3,065 |
| Core capital (leverage) ratio | 8.4739% | 5,787 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,645 |
| Total risk-based capital ratio | 11.8174% | 6,625 |
| Memoranda: | ||
| Average total assets | $184,498,000 | 3,280 |
| Average earning assets | $164,587,000 | 3,346 |
| Average equity | $21,657,250 | 3,042 |
| Average total loans | $142,059,750 | 2,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 2,574 |
| Cost of funding earning assets | 0.9969% | 1,780 |
| Net interest margin | 3.7854% | 3,432 |
| Noninterest income to average assets | 0.7039% | 2,644 |
| Noninterest expense to average assets | 3.0780% | 2,991 |
| Loan and lease loss provision to assets | 0.8175% | 606 |
| Net operating income to assets | 0.1556% | 6,027 |
| Return on assets (ROA) | 0.1556% | 6,197 |
| Pretax return on assets | 0.1721% | 6,192 |
| Return on Equity (ROE) | 1.3028% | 6,234 |
| Retained earnings to average equity (ytd only) | 1.3028% | 5,542 |
| Net charge-offs to loans | 1.3592% | 764 |
| Credit loss provision to net charge-offs | 75.8444% | 3,436 |
| Earnings coverage of net charge-offs (x) | 0.9181% | 4,579 |
| Efficiency ratio | 75.6713% | 2,794 |
| Assets per employee ($millions) | 7.3146% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 5,361 |
| Loan loss allowance to noncurrent loans | 24.5785% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 5.0523% | 941 |
| Noncurrent loans to loans | 4.8740% | 1,035 |
| Net loans and leases to total assets | 74.9587% | 1,107 |
| Net loans and leases to deposits | 85.9689% | 1,605 |
| Net loans and leases to core deposits | 91.5988% | 1,812 |
| Total domestic deposits to total assets | 87.1928% | 2,656 |
| Equity capital to assets | 11.8349% | 2,279 |
| Core capital (leverage) ratio | 8.6650% | 5,426 |
| Tier 1 risk-based capital ratio | 10.4700% | 6,706 |
| Total risk-based capital ratio | 11.5986% | 6,727 |
| Memoranda: | ||
| Average total assets | $181,285,670 | 3,333 |
| Average earning assets | $161,093,000 | 3,404 |
| Average equity | $21,645,330 | 3,024 |
| Average total loans | $143,761,330 | 2,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 2,261 |
| Cost of funding earning assets | 1.0071% | 1,939 |
| Net interest margin | 3.8884% | 2,975 |
| Noninterest income to average assets | 0.7291% | 2,503 |
| Noninterest expense to average assets | 3.0981% | 2,921 |
| Loan and lease loss provision to assets | 0.4986% | 1,221 |
| Net operating income to assets | 0.4211% | 5,160 |
| Return on assets (ROA) | 0.4211% | 5,352 |
| Pretax return on assets | 0.5806% | 5,181 |
| Return on Equity (ROE) | 3.5109% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.5109% | 4,474 |
| Net charge-offs to loans | 1.1841% | 865 |
| Credit loss provision to net charge-offs | 51.9630% | 3,248 |
| Earnings coverage of net charge-offs (x) | 1.1247% | 3,769 |
| Efficiency ratio | 74.1645% | 3,076 |
| Assets per employee ($millions) | 7.0648% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,598 |
| Loan loss allowance to noncurrent loans | 20.0832% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 5.8943% | 805 |
| Noncurrent loans to loans | 5.8653% | 866 |
| Net loans and leases to total assets | 77.1870% | 679 |
| Net loans and leases to deposits | 88.8959% | 1,067 |
| Net loans and leases to core deposits | 94.5282% | 1,413 |
| Total domestic deposits to total assets | 86.8285% | 3,052 |
| Equity capital to assets | 11.8072% | 2,181 |
| Core capital (leverage) ratio | 9.0470% | 4,769 |
| Tier 1 risk-based capital ratio | 10.1954% | 6,830 |
| Total risk-based capital ratio | 11.2966% | 6,863 |
| Memoranda: | ||
| Average total assets | $180,495,500 | 3,369 |
| Average earning assets | $160,066,000 | 3,435 |
| Average equity | $21,647,000 | 3,016 |
| Average total loans | $146,274,000 | 2,686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 1,600 |
| Cost of funding earning assets | 1.2382% | 1,797 |
| Net interest margin | 4.1004% | 2,426 |
| Noninterest income to average assets | 0.8391% | 1,888 |
| Noninterest expense to average assets | 3.4672% | 2,068 |
| Loan and lease loss provision to assets | 0.8159% | 1,193 |
| Net operating income to assets | 0.1606% | 5,703 |
| Return on assets (ROA) | 0.1606% | 5,841 |
| Pretax return on assets | 0.1809% | 5,829 |
| Return on Equity (ROE) | 1.3203% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.3203% | 5,234 |
| Net charge-offs to loans | 0.8577% | 2,023 |
| Credit loss provision to net charge-offs | 111.1710% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.3582% | 4,753 |
| Efficiency ratio | 77.6694% | 2,637 |
| Assets per employee ($millions) | 7.0922% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 5,047 |
| Loan loss allowance to noncurrent loans | 28.0355% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 5.4099% | 953 |
| Noncurrent loans to loans | 4.5413% | 1,311 |
| Net loans and leases to total assets | 83.0085% | 275 |
| Net loans and leases to deposits | 95.6733% | 690 |
| Net loans and leases to core deposits | 102.6496% | 985 |
| Total domestic deposits to total assets | 86.7624% | 2,889 |
| Equity capital to assets | 12.1857% | 1,979 |
| Core capital (leverage) ratio | 8.8487% | 5,023 |
| Tier 1 risk-based capital ratio | 9.9104% | 6,873 |
| Total risk-based capital ratio | 11.1433% | 6,873 |
| Memoranda: | ||
| Average total assets | $176,856,600 | 3,381 |
| Average earning assets | $156,352,000 | 3,467 |
| Average equity | $21,510,400 | 2,948 |
| Average total loans | $151,338,400 | 2,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4087% | 1,488 |
| Cost of funding earning assets | 1.2771% | 1,835 |
| Net interest margin | 4.1316% | 2,350 |
| Noninterest income to average assets | 0.6601% | 2,825 |
| Noninterest expense to average assets | 3.3170% | 2,441 |
| Loan and lease loss provision to assets | 0.7008% | 1,372 |
| Net operating income to assets | 0.2346% | 5,607 |
| Return on assets (ROA) | 0.2346% | 5,745 |
| Pretax return on assets | 0.2957% | 5,712 |
| Return on Equity (ROE) | 1.9299% | 5,800 |
| Retained earnings to average equity (ytd only) | 1.9299% | 5,173 |
| Net charge-offs to loans | 1.0375% | 1,539 |
| Credit loss provision to net charge-offs | 78.5956% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 4,791 |
| Efficiency ratio | 76.8975% | 2,695 |
| Assets per employee ($millions) | 6.9376% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 6,184 |
| Loan loss allowance to noncurrent loans | 33.8906% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 4.3629% | 1,383 |
| Noncurrent loans to loans | 3.0002% | 2,301 |
| Net loans and leases to total assets | 84.1934% | 207 |
| Net loans and leases to deposits | 97.0060% | 639 |
| Net loans and leases to core deposits | 105.0290% | 919 |
| Total domestic deposits to total assets | 86.7920% | 2,777 |
| Equity capital to assets | 12.4856% | 1,919 |
| Core capital (leverage) ratio | 9.2103% | 4,613 |
| Tier 1 risk-based capital ratio | 10.4390% | 6,802 |
| Total risk-based capital ratio | 11.4295% | 6,894 |
| Memoranda: | ||
| Average total assets | $176,744,250 | 3,398 |
| Average earning assets | $156,287,250 | 3,495 |
| Average equity | $21,486,500 | 2,952 |
| Average total loans | $151,903,750 | 2,635 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 1,412 |
| Cost of funding earning assets | 1.2988% | 1,949 |
| Net interest margin | 4.1515% | 2,224 |
| Noninterest income to average assets | 0.7130% | 2,476 |
| Noninterest expense to average assets | 3.3692% | 2,343 |
| Loan and lease loss provision to assets | 0.5825% | 1,661 |
| Net operating income to assets | 0.3250% | 5,271 |
| Return on assets (ROA) | 0.3250% | 5,407 |
| Pretax return on assets | 0.4386% | 5,269 |
| Return on Equity (ROE) | 2.6971% | 5,523 |
| Retained earnings to average equity (ytd only) | 2.6971% | 4,575 |
| Net charge-offs to loans | 0.2556% | 3,608 |
| Credit loss provision to net charge-offs | 264.2857% | 1,150 |
| Earnings coverage of net charge-offs (x) | 4.6327% | 2,812 |
| Efficiency ratio | 76.7418% | 2,895 |
| Assets per employee ($millions) | 6.7206% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 4,753 |
| Loan loss allowance to noncurrent loans | 36.5253% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 4.5417% | 1,382 |
| Noncurrent loans to loans | 3.7353% | 1,879 |
| Net loans and leases to total assets | 85.8523% | 144 |
| Net loans and leases to deposits | 98.7714% | 556 |
| Net loans and leases to core deposits | 106.9908% | 866 |
| Total domestic deposits to total assets | 86.9202% | 2,786 |
| Equity capital to assets | 12.3833% | 1,854 |
| Core capital (leverage) ratio | 9.2068% | 4,393 |
| Tier 1 risk-based capital ratio | 10.2638% | 6,889 |
| Total risk-based capital ratio | 11.5186% | 6,880 |
| Memoranda: | ||
| Average total assets | $177,845,670 | 3,401 |
| Average earning assets | $157,533,670 | 3,496 |
| Average equity | $21,430,330 | 2,939 |
| Average total loans | $153,363,330 | 2,639 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 1,647 |
| Cost of funding earning assets | 1.3366% | 1,968 |
| Net interest margin | 4.0424% | 2,500 |
| Noninterest income to average assets | 0.5574% | 3,457 |
| Noninterest expense to average assets | 3.5340% | 1,924 |
| Loan and lease loss provision to assets | 0.7804% | 1,094 |
| Net operating income to assets | -0.1271% | 6,487 |
| Return on assets (ROA) | -0.1271% | 6,503 |
| Pretax return on assets | -0.1761% | 6,518 |
| Return on Equity (ROE) | -1.0691% | 6,491 |
| Retained earnings to average equity (ytd only) | -1.0691% | 5,998 |
| Net charge-offs to loans | 0.3247% | 2,759 |
| Credit loss provision to net charge-offs | 280.0000% | 1,137 |
| Earnings coverage of net charge-offs (x) | 2.1680% | 3,224 |
| Efficiency ratio | 85.3987% | 1,788 |
| Assets per employee ($millions) | 6.5769% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 5,119 |
| Loan loss allowance to noncurrent loans | 39.7189% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 4.0603% | 1,647 |
| Noncurrent loans to loans | 3.2765% | 2,294 |
| Net loans and leases to total assets | 84.4787% | 208 |
| Net loans and leases to deposits | 96.7532% | 639 |
| Net loans and leases to core deposits | 105.6385% | 958 |
| Total domestic deposits to total assets | 87.3135% | 2,756 |
| Equity capital to assets | 11.9904% | 1,922 |
| Core capital (leverage) ratio | 8.9053% | 4,765 |
| Tier 1 risk-based capital ratio | 9.8533% | 7,052 |
| Total risk-based capital ratio | 11.1034% | 7,057 |
| Memoranda: | ||
| Average total assets | $179,401,000 | 3,393 |
| Average earning assets | $158,916,000 | 3,488 |
| Average equity | $21,326,500 | 2,943 |
| Average total loans | $154,000,500 | 2,646 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1486% | 3,857 |
| Cost of funding earning assets | 1.7911% | 1,205 |
| Net interest margin | 3.3575% | 5,768 |
| Noninterest income to average assets | 0.7789% | 2,385 |
| Noninterest expense to average assets | 3.4738% | 2,243 |
| Loan and lease loss provision to assets | 0.7120% | 2,301 |
| Net operating income to assets | -0.2486% | 6,160 |
| Return on assets (ROA) | -0.2486% | 6,217 |
| Pretax return on assets | -0.4255% | 6,263 |
| Return on Equity (ROE) | -2.1907% | 6,193 |
| Retained earnings to average equity (ytd only) | -2.1907% | 5,995 |
| Net charge-offs to loans | 1.0895% | 2,045 |
| Credit loss provision to net charge-offs | 83.8190% | 5,395 |
| Earnings coverage of net charge-offs (x) | 0.3373% | 5,770 |
| Efficiency ratio | 92.3810% | 1,159 |
| Assets per employee ($millions) | 6.9703% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 5,857 |
| Loan loss allowance to noncurrent loans | 57.7404% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.7772% | 2,518 |
| Noncurrent loans to loans | 1.9460% | 3,638 |
| Net loans and leases to total assets | 85.1181% | 231 |
| Net loans and leases to deposits | 98.9138% | 649 |
| Net loans and leases to core deposits | 108.0988% | 1,040 |
| Total domestic deposits to total assets | 86.0529% | 3,333 |
| Equity capital to assets | 11.7869% | 2,049 |
| Core capital (leverage) ratio | 8.5245% | 5,312 |
| Tier 1 risk-based capital ratio | 9.7446% | 7,068 |
| Total risk-based capital ratio | 10.8613% | 7,113 |
| Memoranda: | ||
| Average total assets | $189,877,200 | 3,230 |
| Average earning assets | $168,608,600 | 3,305 |
| Average equity | $21,545,400 | 2,942 |
| Average total loans | $148,045,800 | 2,810 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 4,516 |
| Cost of funding earning assets | 1.8547% | 1,192 |
| Net interest margin | 3.2092% | 6,308 |
| Noninterest income to average assets | 0.7352% | 2,608 |
| Noninterest expense to average assets | 3.5318% | 1,957 |
| Loan and lease loss provision to assets | 0.9185% | 1,644 |
| Net operating income to assets | -0.5353% | 6,618 |
| Return on assets (ROA) | -0.5353% | 6,670 |
| Pretax return on assets | -0.8644% | 6,782 |
| Return on Equity (ROE) | -4.7610% | 6,633 |
| Retained earnings to average equity (ytd only) | -4.7610% | 6,539 |
| Net charge-offs to loans | 1.2424% | 1,641 |
| Credit loss provision to net charge-offs | 97.2079% | 4,463 |
| Earnings coverage of net charge-offs (x) | 0.0573% | 5,970 |
| Efficiency ratio | 98.4898% | 806 |
| Assets per employee ($millions) | 6.4444% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 4,779 |
| Loan loss allowance to noncurrent loans | 48.7540% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.3137% | 2,147 |
| Noncurrent loans to loans | 2.7373% | 2,902 |
| Net loans and leases to total assets | 78.1699% | 1,016 |
| Net loans and leases to deposits | 90.7403% | 1,615 |
| Net loans and leases to core deposits | 100.1117% | 1,835 |
| Total domestic deposits to total assets | 86.1469% | 3,007 |
| Equity capital to assets | 11.2971% | 2,707 |
| Core capital (leverage) ratio | 8.0821% | 6,223 |
| Tier 1 risk-based capital ratio | 9.6908% | 7,189 |
| Total risk-based capital ratio | 10.9410% | 7,183 |
| Memoranda: | ||
| Average total assets | $192,039,750 | 3,257 |
| Average earning assets | $170,591,250 | 3,316 |
| Average equity | $21,591,500 | 2,969 |
| Average total loans | $146,054,750 | 2,873 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 4,856 |
| Cost of funding earning assets | 1.9004% | 1,233 |
| Net interest margin | 3.1189% | 6,554 |
| Noninterest income to average assets | 0.7752% | 2,257 |
| Noninterest expense to average assets | 3.5787% | 1,835 |
| Loan and lease loss provision to assets | 0.4335% | 3,145 |
| Net operating income to assets | -0.2787% | 6,453 |
| Return on assets (ROA) | -0.2787% | 6,496 |
| Pretax return on assets | -0.4655% | 6,557 |
| Return on Equity (ROE) | -2.4826% | 6,466 |
| Retained earnings to average equity (ytd only) | -2.4826% | 6,226 |
| Net charge-offs to loans | 1.4266% | 1,339 |
| Credit loss provision to net charge-offs | 40.5014% | 5,607 |
| Earnings coverage of net charge-offs (x) | -0.0299% | 5,748 |
| Efficiency ratio | 100.9022% | 773 |
| Assets per employee ($millions) | 7.1250% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,642 |
| Loan loss allowance to noncurrent loans | 49.5039% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 2.6958% | 2,685 |
| Noncurrent loans to loans | 1.8893% | 3,877 |
| Net loans and leases to total assets | 74.1693% | 1,871 |
| Net loans and leases to deposits | 86.2585% | 2,469 |
| Net loans and leases to core deposits | 95.2279% | 2,553 |
| Total domestic deposits to total assets | 85.9849% | 3,101 |
| Equity capital to assets | 10.8422% | 3,037 |
| Core capital (leverage) ratio | 8.2634% | 5,836 |
| Tier 1 risk-based capital ratio | 9.8382% | 7,107 |
| Total risk-based capital ratio | 10.7250% | 7,273 |
| Memoranda: | ||
| Average total assets | $193,756,670 | 3,250 |
| Average earning assets | $172,178,670 | 3,302 |
| Average equity | $21,751,000 | 2,944 |
| Average total loans | $145,384,000 | 2,914 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0984% | 4,533 |
| Cost of funding earning assets | 2.0005% | 1,082 |
| Net interest margin | 3.0979% | 6,598 |
| Noninterest income to average assets | 1.2783% | 741 |
| Noninterest expense to average assets | 3.9374% | 1,120 |
| Loan and lease loss provision to assets | 0.7586% | 1,674 |
| Net operating income to assets | -0.4212% | 6,778 |
| Return on assets (ROA) | -0.4212% | 6,812 |
| Pretax return on assets | -0.6789% | 6,886 |
| Return on Equity (ROE) | -3.6861% | 6,796 |
| Retained earnings to average equity (ytd only) | -3.6861% | 6,457 |
| Net charge-offs to loans | 2.2567% | 752 |
| Credit loss provision to net charge-offs | 44.7466% | 4,560 |
| Earnings coverage of net charge-offs (x) | 0.0470% | 4,996 |
| Efficiency ratio | 98.0177% | 921 |
| Assets per employee ($millions) | 7.1367% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1087% | 5,966 |
| Loan loss allowance to noncurrent loans | 56.5704% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 3.0858% | 2,318 |
| Noncurrent loans to loans | 1.9598% | 3,846 |
| Net loans and leases to total assets | 72.5384% | 2,319 |
| Net loans and leases to deposits | 84.0383% | 2,934 |
| Net loans and leases to core deposits | 92.5589% | 3,040 |
| Total domestic deposits to total assets | 86.3159% | 2,976 |
| Equity capital to assets | 11.2657% | 2,527 |
| Core capital (leverage) ratio | 8.4421% | 5,478 |
| Tier 1 risk-based capital ratio | 10.5166% | 6,616 |
| Total risk-based capital ratio | 11.5752% | 6,788 |
| Memoranda: | ||
| Average total assets | $190,885,500 | 3,354 |
| Average earning assets | $168,758,000 | 3,418 |
| Average equity | $21,811,500 | 2,970 |
| Average total loans | $143,394,000 | 3,015 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0741% | 6,178 |
| Cost of funding earning assets | 2.7697% | 485 |
| Net interest margin | 2.3044% | 7,589 |
| Noninterest income to average assets | 0.6329% | 3,408 |
| Noninterest expense to average assets | 4.0422% | 1,305 |
| Loan and lease loss provision to assets | 0.4673% | 4,028 |
| Net operating income to assets | -1.1946% | 6,706 |
| Return on assets (ROA) | -1.1946% | 6,705 |
| Pretax return on assets | -1.8357% | 6,875 |
| Return on Equity (ROE) | -10.9057% | 6,690 |
| Retained earnings to average equity (ytd only) | -10.9057% | 6,593 |
| Net charge-offs to loans | 0.9219% | 2,544 |
| Credit loss provision to net charge-offs | 66.3793% | 6,553 |
| Earnings coverage of net charge-offs (x) | -1.9436% | 6,995 |
| Efficiency ratio | 150.6810% | 309 |
| Assets per employee ($millions) | 5.9088% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,313 |
| Loan loss allowance to noncurrent loans | 50.5268% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.5398% | 1,894 |
| Noncurrent loans to loans | 2.7405% | 2,821 |
| Net loans and leases to total assets | 75.8578% | 1,836 |
| Net loans and leases to deposits | 88.3811% | 2,493 |
| Net loans and leases to core deposits | 136.3539% | 940 |
| Total domestic deposits to total assets | 85.8303% | 3,096 |
| Equity capital to assets | 11.5903% | 2,252 |
| Core capital (leverage) ratio | 8.1774% | 5,855 |
| Tier 1 risk-based capital ratio | 10.4244% | 6,471 |
| Total risk-based capital ratio | 11.6759% | 6,447 |
| Memoranda: | ||
| Average total assets | $181,239,600 | 3,417 |
| Average earning assets | $160,520,800 | 3,511 |
| Average equity | $19,852,000 | 3,223 |
| Average total loans | $138,402,600 | 3,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 6,448 |
| Cost of funding earning assets | 2.8691% | 503 |
| Net interest margin | 2.1818% | 7,718 |
| Noninterest income to average assets | 0.7720% | 2,590 |
| Noninterest expense to average assets | 4.3447% | 861 |
| Loan and lease loss provision to assets | 0.5719% | 3,095 |
| Net operating income to assets | -1.4383% | 7,079 |
| Return on assets (ROA) | -1.4383% | 7,077 |
| Pretax return on assets | -2.2110% | 7,255 |
| Return on Equity (ROE) | -13.3356% | 7,097 |
| Retained earnings to average equity (ytd only) | -13.3356% | 7,032 |
| Net charge-offs to loans | 0.7455% | 2,499 |
| Credit loss provision to net charge-offs | 100.6545% | 5,044 |
| Earnings coverage of net charge-offs (x) | -2.8848% | 6,798 |
| Efficiency ratio | 159.9230% | 270 |
| Assets per employee ($millions) | 5.8963% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 2,347 |
| Loan loss allowance to noncurrent loans | 50.5367% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 3.2224% | 2,105 |
| Noncurrent loans to loans | 3.5216% | 2,127 |
| Net loans and leases to total assets | 71.6054% | 3,127 |
| Net loans and leases to deposits | 84.3094% | 3,599 |
| Net loans and leases to core deposits | 128.1831% | 1,569 |
| Total domestic deposits to total assets | 84.9316% | 3,273 |
| Equity capital to assets | 10.1638% | 3,890 |
| Core capital (leverage) ratio | 7.1141% | 7,355 |
| Tier 1 risk-based capital ratio | 8.9946% | 7,623 |
| Total risk-based capital ratio | 10.2505% | 7,636 |
| Memoranda: | ||
| Average total assets | $179,279,500 | 3,477 |
| Average earning assets | $158,886,000 | 3,565 |
| Average equity | $19,336,250 | 3,336 |
| Average total loans | $136,641,750 | 3,182 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1331% | 6,303 |
| Cost of funding earning assets | 3.0100% | 464 |
| Net interest margin | 2.1232% | 7,798 |
| Noninterest income to average assets | 0.8413% | 2,212 |
| Noninterest expense to average assets | 4.4826% | 791 |
| Loan and lease loss provision to assets | 0.6290% | 2,542 |
| Net operating income to assets | -1.5623% | 7,276 |
| Return on assets (ROA) | -1.5623% | 7,281 |
| Pretax return on assets | -2.3946% | 7,393 |
| Return on Equity (ROE) | -14.1934% | 7,291 |
| Retained earnings to average equity (ytd only) | -14.1934% | 7,192 |
| Net charge-offs to loans | 0.7833% | 2,111 |
| Credit loss provision to net charge-offs | 103.7453% | 4,425 |
| Earnings coverage of net charge-offs (x) | -2.9120% | 6,403 |
| Efficiency ratio | 164.8140% | 303 |
| Assets per employee ($millions) | 4.9205% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 2,145 |
| Loan loss allowance to noncurrent loans | 55.1007% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.6543% | 1,686 |
| Noncurrent loans to loans | 3.1987% | 2,229 |
| Net loans and leases to total assets | 75.4045% | 2,344 |
| Net loans and leases to deposits | 89.4618% | 2,903 |
| Net loans and leases to core deposits | 141.5141% | 954 |
| Total domestic deposits to total assets | 84.2869% | 3,601 |
| Equity capital to assets | 10.8125% | 3,103 |
| Core capital (leverage) ratio | 7.5974% | 6,908 |
| Tier 1 risk-based capital ratio | 9.3438% | 7,513 |
| Total risk-based capital ratio | 10.6000% | 7,493 |
| Memoranda: | ||
| Average total assets | $176,146,000 | 3,538 |
| Average earning assets | $155,616,670 | 3,637 |
| Average equity | $19,389,330 | 3,338 |
| Average total loans | $136,338,000 | 3,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0794% | 6,711 |
| Cost of funding earning assets | 3.0534% | 525 |
| Net interest margin | 2.0260% | 7,884 |
| Noninterest income to average assets | 0.7437% | 2,637 |
| Noninterest expense to average assets | 4.1527% | 994 |
| Loan and lease loss provision to assets | 0.7737% | 1,665 |
| Net operating income to assets | -1.5636% | 7,526 |
| Return on assets (ROA) | -1.5636% | 7,529 |
| Pretax return on assets | -2.3974% | 7,642 |
| Return on Equity (ROE) | -14.0737% | 7,567 |
| Retained earnings to average equity (ytd only) | -14.0737% | 7,385 |
| Net charge-offs to loans | 0.5734% | 2,031 |
| Credit loss provision to net charge-offs | 173.5751% | 2,479 |
| Earnings coverage of net charge-offs (x) | -3.6425% | 5,530 |
| Efficiency ratio | 164.0183% | 291 |
| Assets per employee ($millions) | 5.2463% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 1,674 |
| Loan loss allowance to noncurrent loans | 50.5871% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 3.8761% | 1,353 |
| Noncurrent loans to loans | 3.7107% | 1,675 |
| Net loans and leases to total assets | 75.7542% | 2,331 |
| Net loans and leases to deposits | 90.3858% | 2,870 |
| Net loans and leases to core deposits | 141.3234% | 1,048 |
| Total domestic deposits to total assets | 83.8120% | 3,797 |
| Equity capital to assets | 11.4457% | 2,626 |
| Core capital (leverage) ratio | 8.5104% | 5,514 |
| Tier 1 risk-based capital ratio | 9.9205% | 7,013 |
| Total risk-based capital ratio | 11.1774% | 6,902 |
| Memoranda: | ||
| Average total assets | $173,190,000 | 3,600 |
| Average earning assets | $152,615,000 | 3,701 |
| Average equity | $19,241,500 | 3,382 |
| Average total loans | $134,635,500 | 3,279 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 5,047 |
| Cost of funding earning assets | 3.6229% | 351 |
| Net interest margin | 2.4766% | 7,782 |
| Noninterest income to average assets | 1.7171% | 461 |
| Noninterest expense to average assets | 5.4908% | 502 |
| Loan and lease loss provision to assets | 0.5955% | 2,445 |
| Net operating income to assets | -1.4433% | 7,442 |
| Return on assets (ROA) | -1.4433% | 7,387 |
| Pretax return on assets | -2.2078% | 7,506 |
| Return on Equity (ROE) | -13.3791% | 7,513 |
| Retained earnings to average equity (ytd only) | -13.3791% | 7,361 |
| Net charge-offs to loans | 0.5032% | 2,349 |
| Credit loss provision to net charge-offs | 147.9452% | 3,566 |
| Earnings coverage of net charge-offs (x) | -4.0061% | 6,805 |
| Efficiency ratio | 141.4468% | 392 |
| Assets per employee ($millions) | 4.4212% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,513 |
| Loan loss allowance to noncurrent loans | 79.2410% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.7017% | 1,756 |
| Noncurrent loans to loans | 2.3434% | 2,352 |
| Net loans and leases to total assets | 76.8528% | 2,413 |
| Net loans and leases to deposits | 91.5477% | 3,209 |
| Net loans and leases to core deposits | 135.7708% | 1,501 |
| Total domestic deposits to total assets | 83.9483% | 3,348 |
| Equity capital to assets | 10.7537% | 3,245 |
| Core capital (leverage) ratio | 7.2106% | 7,516 |
| Tier 1 risk-based capital ratio | 8.7492% | 7,934 |
| Total risk-based capital ratio | 10.0067% | 8,005 |
| Memoranda: | ||
| Average total assets | $163,236,600 | 3,662 |
| Average earning assets | $142,456,200 | 3,798 |
| Average equity | $17,609,600 | 3,622 |
| Average total loans | $130,562,000 | 3,261 |