Home > Chattahoochee Bank of Georgia > Performance and Condition Ratios
Chattahoochee Bank of Georgia, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 1,549 |
| Cost of funding earning assets | 0.6814% | 1,066 |
| Net interest margin | 3.8516% | 2,216 |
| Noninterest income to average assets | 0.0521% | 5,604 |
| Noninterest expense to average assets | 3.2689% | 1,411 |
| Loan and lease loss provision to assets | 0.0624% | 2,826 |
| Net operating income to assets | 0.1727% | 5,376 |
| Return on assets (ROA) | 0.1077% | 5,448 |
| Pretax return on assets | 0.2092% | 5,380 |
| Return on Equity (ROE) | 0.9259% | 5,442 |
| Retained earnings to average equity (ytd only) | 0.9259% | 4,997 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7552% | 416 |
| Assets per employee ($millions) | 9.4245% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 84.6411% | 374 |
| Net loans and leases to deposits | 96.3266% | 1,087 |
| Net loans and leases to core deposits | 102.8945% | 1,473 |
| Total domestic deposits to total assets | 87.8689% | 1,435 |
| Equity capital to assets | 11.9959% | 1,966 |
| Core capital (leverage) ratio | 11.7069% | 1,875 |
| Tier 1 risk-based capital ratio | 13.0678% | 3,961 |
| Total risk-based capital ratio | 14.0416% | 4,045 |
| Memoranda: | ||
| Average total assets | $194,393,000 | 3,000 |
| Average earning assets | $181,185,250 | 2,979 |
| Average equity | $22,609,250 | 2,915 |
| Average total loans | $157,849,750 | 2,590 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 1,829 |
| Cost of funding earning assets | 0.6771% | 1,005 |
| Net interest margin | 3.7185% | 2,589 |
| Noninterest income to average assets | 0.0530% | 5,645 |
| Noninterest expense to average assets | 2.3426% | 4,235 |
| Loan and lease loss provision to assets | 0.0927% | 2,136 |
| Net operating income to assets | 0.7056% | 3,826 |
| Return on assets (ROA) | 0.7232% | 3,814 |
| Pretax return on assets | 1.1469% | 2,990 |
| Return on Equity (ROE) | 6.2808% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.2808% | 1,974 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9026% | 3,369 |
| Assets per employee ($millions) | 9.2611% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.6412% | 589 |
| Net loans and leases to deposits | 98.4985% | 845 |
| Net loans and leases to core deposits | 105.6235% | 1,257 |
| Total domestic deposits to total assets | 83.9009% | 3,239 |
| Equity capital to assets | 11.8555% | 2,035 |
| Core capital (leverage) ratio | 11.9979% | 1,635 |
| Tier 1 risk-based capital ratio | 13.0975% | 3,943 |
| Total risk-based capital ratio | 14.0512% | 4,029 |
| Memoranda: | ||
| Average total assets | $196,360,670 | 2,998 |
| Average earning assets | $184,911,330 | 2,956 |
| Average equity | $22,608,670 | 2,920 |
| Average total loans | $156,724,670 | 2,606 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3275% | 1,886 |
| Cost of funding earning assets | 0.7126% | 789 |
| Net interest margin | 3.6149% | 2,832 |
| Noninterest income to average assets | 0.0527% | 5,723 |
| Noninterest expense to average assets | 2.1916% | 4,667 |
| Loan and lease loss provision to assets | 0.0284% | 3,201 |
| Net operating income to assets | 0.7785% | 3,319 |
| Return on assets (ROA) | 0.7785% | 3,378 |
| Pretax return on assets | 1.2367% | 2,456 |
| Return on Equity (ROE) | 6.8619% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.8619% | 1,903 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4018% | 3,929 |
| Assets per employee ($millions) | 9.3730% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 4,047 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 77.8990% | 1,152 |
| Net loans and leases to deposits | 92.5470% | 1,265 |
| Net loans and leases to core deposits | 99.8385% | 1,513 |
| Total domestic deposits to total assets | 84.1724% | 3,411 |
| Equity capital to assets | 11.4981% | 2,179 |
| Core capital (leverage) ratio | 11.4856% | 1,958 |
| Tier 1 risk-based capital ratio | 13.1189% | 4,015 |
| Total risk-based capital ratio | 14.0439% | 4,097 |
| Memoranda: | ||
| Average total assets | $197,299,500 | 3,020 |
| Average earning assets | $185,787,500 | 2,986 |
| Average equity | $22,384,500 | 2,953 |
| Average total loans | $153,883,000 | 2,651 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 1,760 |
| Cost of funding earning assets | 0.7131% | 770 |
| Net interest margin | 3.7120% | 2,641 |
| Noninterest income to average assets | 0.0848% | 5,682 |
| Noninterest expense to average assets | 2.2737% | 4,608 |
| Loan and lease loss provision to assets | 0.1219% | 2,023 |
| Net operating income to assets | 0.7338% | 3,627 |
| Return on assets (ROA) | 0.7338% | 3,736 |
| Pretax return on assets | 1.1636% | 2,840 |
| Return on Equity (ROE) | 6.0330% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.0330% | 1,685 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8832% | 3,954 |
| Assets per employee ($millions) | 10.9870% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.4717% | 1,438 |
| Net loans and leases to deposits | 95.5170% | 1,041 |
| Net loans and leases to core deposits | 102.3172% | 1,429 |
| Total domestic deposits to total assets | 80.0608% | 4,564 |
| Equity capital to assets | 11.1935% | 2,426 |
| Core capital (leverage) ratio | 11.5984% | 1,862 |
| Tier 1 risk-based capital ratio | 13.1862% | 3,954 |
| Total risk-based capital ratio | 14.1246% | 4,044 |
| Memoranda: | ||
| Average total assets | $177,988,000 | 3,188 |
| Average earning assets | $166,593,600 | 3,152 |
| Average equity | $21,647,600 | 3,009 |
| Average total loans | $143,568,200 | 2,735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 1,679 |
| Cost of funding earning assets | 0.7039% | 801 |
| Net interest margin | 3.7511% | 2,517 |
| Noninterest income to average assets | 0.0894% | 5,743 |
| Noninterest expense to average assets | 2.3277% | 4,467 |
| Loan and lease loss provision to assets | 0.1441% | 1,625 |
| Net operating income to assets | 0.7081% | 3,799 |
| Return on assets (ROA) | 0.7081% | 3,937 |
| Pretax return on assets | 1.1242% | 3,140 |
| Return on Equity (ROE) | 5.6924% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.6924% | 2,361 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7311% | 3,804 |
| Assets per employee ($millions) | 9.8646% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 4,189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 79.4581% | 974 |
| Net loans and leases to deposits | 100.7060% | 662 |
| Net loans and leases to core deposits | 108.1721% | 1,038 |
| Total domestic deposits to total assets | 78.9011% | 4,743 |
| Equity capital to assets | 11.7955% | 2,261 |
| Core capital (leverage) ratio | 11.7475% | 1,844 |
| Tier 1 risk-based capital ratio | 13.2148% | 4,027 |
| Total risk-based capital ratio | 14.1546% | 4,136 |
| Memoranda: | ||
| Average total assets | $173,043,500 | 3,258 |
| Average earning assets | $161,762,250 | 3,220 |
| Average equity | $21,525,250 | 3,044 |
| Average total loans | $141,253,250 | 2,768 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,617 |
| Cost of funding earning assets | 0.6790% | 898 |
| Net interest margin | 3.7888% | 2,369 |
| Noninterest income to average assets | 0.0761% | 5,849 |
| Noninterest expense to average assets | 2.4143% | 4,293 |
| Loan and lease loss provision to assets | 0.1581% | 1,441 |
| Net operating income to assets | 0.6550% | 4,021 |
| Return on assets (ROA) | 0.6550% | 4,166 |
| Pretax return on assets | 1.0389% | 3,441 |
| Return on Equity (ROE) | 5.1662% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.1662% | 2,621 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8532% | 3,560 |
| Assets per employee ($millions) | 9.6899% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 4,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.0384% | 1,197 |
| Net loans and leases to deposits | 99.1252% | 774 |
| Net loans and leases to core deposits | 107.1378% | 1,089 |
| Total domestic deposits to total assets | 78.7272% | 4,842 |
| Equity capital to assets | 11.7811% | 2,283 |
| Core capital (leverage) ratio | 12.2507% | 1,491 |
| Tier 1 risk-based capital ratio | 13.4826% | 3,919 |
| Total risk-based capital ratio | 14.4249% | 4,014 |
| Memoranda: | ||
| Average total assets | $168,249,000 | 3,339 |
| Average earning assets | $156,988,670 | 3,311 |
| Average equity | $21,331,000 | 3,066 |
| Average total loans | $138,174,670 | 2,819 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 1,295 |
| Cost of funding earning assets | 0.6665% | 963 |
| Net interest margin | 3.9211% | 1,881 |
| Noninterest income to average assets | 0.0599% | 5,938 |
| Noninterest expense to average assets | 2.6572% | 3,553 |
| Loan and lease loss provision to assets | 0.1821% | 1,104 |
| Net operating income to assets | 0.5539% | 4,396 |
| Return on assets (ROA) | 0.5539% | 4,500 |
| Pretax return on assets | 0.8758% | 3,951 |
| Return on Equity (ROE) | 4.1983% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.1983% | 3,379 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5245% | 2,866 |
| Assets per employee ($millions) | 8.5149% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0521% | 4,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 84.2357% | 347 |
| Net loans and leases to deposits | 111.7939% | 192 |
| Net loans and leases to core deposits | 121.1240% | 435 |
| Total domestic deposits to total assets | 75.3491% | 5,482 |
| Equity capital to assets | 13.1744% | 1,330 |
| Core capital (leverage) ratio | 13.2091% | 1,079 |
| Tier 1 risk-based capital ratio | 14.0496% | 3,660 |
| Total risk-based capital ratio | 15.0079% | 3,767 |
| Memoranda: | ||
| Average total assets | $160,319,500 | 3,442 |
| Average earning assets | $149,446,000 | 3,427 |
| Average equity | $21,151,500 | 3,089 |
| Average total loans | $134,670,000 | 2,865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2092% | 2,524 |
| Cost of funding earning assets | 0.5892% | 1,441 |
| Net interest margin | 3.6199% | 3,057 |
| Noninterest income to average assets | 0.0643% | 5,967 |
| Noninterest expense to average assets | 2.4637% | 4,344 |
| Loan and lease loss provision to assets | 0.2419% | 790 |
| Net operating income to assets | 0.4841% | 4,751 |
| Return on assets (ROA) | 0.5142% | 4,725 |
| Pretax return on assets | 0.7436% | 4,388 |
| Return on Equity (ROE) | 3.6105% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.6105% | 3,490 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3417% | 2,847 |
| Assets per employee ($millions) | 8.3608% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.9837% | 596 |
| Net loans and leases to deposits | 108.3647% | 285 |
| Net loans and leases to core deposits | 117.9588% | 542 |
| Total domestic deposits to total assets | 75.6553% | 5,485 |
| Equity capital to assets | 13.2126% | 1,250 |
| Core capital (leverage) ratio | 14.6998% | 670 |
| Tier 1 risk-based capital ratio | 14.4802% | 3,456 |
| Total risk-based capital ratio | 15.4288% | 3,531 |
| Memoranda: | ||
| Average total assets | $144,701,600 | 3,655 |
| Average earning assets | $133,565,600 | 3,638 |
| Average equity | $20,606,400 | 3,114 |
| Average total loans | $114,781,000 | 3,125 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 2,853 |
| Cost of funding earning assets | 0.5692% | 1,638 |
| Net interest margin | 3.5518% | 3,334 |
| Noninterest income to average assets | 0.0642% | 6,060 |
| Noninterest expense to average assets | 2.4954% | 4,211 |
| Loan and lease loss provision to assets | 0.2824% | 554 |
| Net operating income to assets | 0.3960% | 5,176 |
| Return on assets (ROA) | 0.4383% | 5,111 |
| Pretax return on assets | 0.6168% | 4,936 |
| Return on Equity (ROE) | 3.0162% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.0162% | 4,294 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8230% | 2,433 |
| Assets per employee ($millions) | 7.4942% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 4,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.0835% | 463 |
| Net loans and leases to deposits | 111.9282% | 213 |
| Net loans and leases to core deposits | 123.4674% | 391 |
| Total domestic deposits to total assets | 74.2292% | 5,694 |
| Equity capital to assets | 13.8561% | 1,085 |
| Core capital (leverage) ratio | 13.6752% | 951 |
| Tier 1 risk-based capital ratio | 14.4350% | 3,611 |
| Total risk-based capital ratio | 15.3585% | 3,725 |
| Memoranda: | ||
| Average total assets | $141,163,000 | 3,733 |
| Average earning assets | $129,998,000 | 3,729 |
| Average equity | $20,510,750 | 3,149 |
| Average total loans | $110,573,250 | 3,218 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9542% | 3,470 |
| Cost of funding earning assets | 0.5302% | 1,983 |
| Net interest margin | 3.4240% | 3,814 |
| Noninterest income to average assets | 0.0608% | 6,140 |
| Noninterest expense to average assets | 2.5359% | 4,116 |
| Loan and lease loss provision to assets | 0.2937% | 535 |
| Net operating income to assets | 0.2720% | 5,526 |
| Return on assets (ROA) | 0.3385% | 5,438 |
| Pretax return on assets | 0.4615% | 5,325 |
| Return on Equity (ROE) | 2.2913% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.2913% | 4,574 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2495% | 1,873 |
| Assets per employee ($millions) | 7.2906% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 4,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.7814% | 963 |
| Net loans and leases to deposits | 106.9681% | 340 |
| Net loans and leases to core deposits | 114.1336% | 661 |
| Total domestic deposits to total assets | 73.6495% | 5,822 |
| Equity capital to assets | 14.0257% | 974 |
| Core capital (leverage) ratio | 14.0937% | 814 |
| Tier 1 risk-based capital ratio | 15.1861% | 3,257 |
| Total risk-based capital ratio | 16.0995% | 3,381 |
| Memoranda: | ||
| Average total assets | $138,256,330 | 3,816 |
| Average earning assets | $126,751,670 | 3,827 |
| Average equity | $20,425,000 | 3,171 |
| Average total loans | $105,480,000 | 3,339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 3,769 |
| Cost of funding earning assets | 0.4717% | 2,548 |
| Net interest margin | 3.3921% | 3,876 |
| Noninterest income to average assets | 0.0595% | 6,209 |
| Noninterest expense to average assets | 2.5550% | 4,084 |
| Loan and lease loss provision to assets | 0.1904% | 988 |
| Net operating income to assets | 0.3020% | 5,407 |
| Return on assets (ROA) | 0.4313% | 5,060 |
| Pretax return on assets | 0.6246% | 4,848 |
| Return on Equity (ROE) | 2.8415% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.8415% | 4,264 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2804% | 1,867 |
| Assets per employee ($millions) | 7.2404% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 4,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 70.5002% | 2,069 |
| Net loans and leases to deposits | 91.2912% | 1,258 |
| Net loans and leases to core deposits | 97.2962% | 1,536 |
| Total domestic deposits to total assets | 77.2257% | 5,576 |
| Equity capital to assets | 14.1063% | 949 |
| Core capital (leverage) ratio | 16.2434% | 436 |
| Tier 1 risk-based capital ratio | 16.7604% | 2,576 |
| Total risk-based capital ratio | 17.6594% | 2,673 |
| Memoranda: | ||
| Average total assets | $134,479,000 | 3,916 |
| Average earning assets | $123,816,000 | 3,908 |
| Average equity | $20,412,000 | 3,184 |
| Average total loans | $100,169,500 | 3,446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 4,088 |
| Cost of funding earning assets | 0.5115% | 2,560 |
| Net interest margin | 3.4002% | 4,200 |
| Noninterest income to average assets | 0.0777% | 6,223 |
| Noninterest expense to average assets | 2.6675% | 3,987 |
| Loan and lease loss provision to assets | 0.0822% | 2,835 |
| Net operating income to assets | 1.0300% | 2,265 |
| Return on assets (ROA) | 1.0175% | 2,383 |
| Pretax return on assets | 0.4038% | 5,478 |
| Return on Equity (ROE) | 5.8908% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.8908% | 1,990 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2551% | 1,381 |
| Assets per employee ($millions) | 7.3029% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 4,782 |
| Loan loss allowance to noncurrent loans | 102,600.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 6,101 |
| Noncurrent loans to loans | 0.0010% | 5,940 |
| Net loans and leases to total assets | 77.4329% | 1,081 |
| Net loans and leases to deposits | 105.5792% | 375 |
| Net loans and leases to core deposits | 113.5626% | 620 |
| Total domestic deposits to total assets | 73.3411% | 5,994 |
| Equity capital to assets | 16.4293% | 484 |
| Core capital (leverage) ratio | 16.6051% | 402 |
| Tier 1 risk-based capital ratio | 17.4812% | 2,324 |
| Total risk-based capital ratio | 18.3988% | 2,411 |
| Memoranda: | ||
| Average total assets | $111,938,200 | 4,348 |
| Average earning assets | $101,669,200 | 4,360 |
| Average equity | $19,335,200 | 3,245 |
| Average total loans | $79,376,400 | 3,891 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 4,424 |
| Cost of funding earning assets | 0.5114% | 2,647 |
| Net interest margin | 3.3233% | 4,526 |
| Noninterest income to average assets | 0.0771% | 6,315 |
| Noninterest expense to average assets | 2.6914% | 3,853 |
| Loan and lease loss provision to assets | 0.0343% | 3,717 |
| Net operating income to assets | 0.3674% | 5,376 |
| Return on assets (ROA) | 0.3502% | 5,497 |
| Pretax return on assets | 0.3502% | 5,677 |
| Return on Equity (ROE) | 1.9996% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.9996% | 5,051 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0150% | 1,093 |
| Assets per employee ($millions) | 6.8311% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 4,728 |
| Loan loss allowance to noncurrent loans | 32,066.6667% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 6,199 |
| Noncurrent loans to loans | 0.0034% | 6,037 |
| Net loans and leases to total assets | 74.1951% | 1,496 |
| Net loans and leases to deposits | 102.7169% | 467 |
| Net loans and leases to core deposits | 112.2851% | 649 |
| Total domestic deposits to total assets | 72.2326% | 6,160 |
| Equity capital to assets | 16.6814% | 472 |
| Core capital (leverage) ratio | 17.5399% | 320 |
| Tier 1 risk-based capital ratio | 19.2244% | 1,849 |
| Total risk-based capital ratio | 20.1788% | 1,890 |
| Memoranda: | ||
| Average total assets | $108,885,250 | 4,444 |
| Average earning assets | $98,814,750 | 4,468 |
| Average equity | $19,069,750 | 3,292 |
| Average total loans | $74,930,750 | 4,055 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,488 |
| Cost of funding earning assets | 0.5143% | 2,682 |
| Net interest margin | 3.2959% | 4,610 |
| Noninterest income to average assets | 0.0714% | 6,375 |
| Noninterest expense to average assets | 2.6298% | 4,136 |
| Loan and lease loss provision to assets | 0.0169% | 3,922 |
| Net operating income to assets | 0.3982% | 5,227 |
| Return on assets (ROA) | 0.4095% | 5,263 |
| Pretax return on assets | 0.4095% | 5,531 |
| Return on Equity (ROE) | 2.2985% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.2985% | 4,734 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3664% | 1,234 |
| Assets per employee ($millions) | 6.8918% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,009 |
| Loan loss allowance to noncurrent loans | 23,575.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,259 |
| Noncurrent loans to loans | 0.0054% | 6,080 |
| Net loans and leases to total assets | 66.3057% | 2,709 |
| Net loans and leases to deposits | 93.7864% | 973 |
| Net loans and leases to core deposits | 98.9498% | 1,374 |
| Total domestic deposits to total assets | 70.6987% | 6,325 |
| Equity capital to assets | 17.4883% | 363 |
| Core capital (leverage) ratio | 18.5531% | 272 |
| Tier 1 risk-based capital ratio | 22.6673% | 1,160 |
| Total risk-based capital ratio | 23.7744% | 1,168 |
| Memoranda: | ||
| Average total assets | $106,470,670 | 4,523 |
| Average earning assets | $96,059,330 | 4,578 |
| Average equity | $18,969,000 | 3,292 |
| Average total loans | $70,866,330 | 4,205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8526% | 4,282 |
| Cost of funding earning assets | 0.5182% | 2,733 |
| Net interest margin | 3.3344% | 4,401 |
| Noninterest income to average assets | 0.0650% | 6,442 |
| Noninterest expense to average assets | 2.4557% | 4,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6120% | 4,148 |
| Return on assets (ROA) | 0.6120% | 4,226 |
| Pretax return on assets | 0.6120% | 4,792 |
| Return on Equity (ROE) | 3.4022% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.4022% | 4,089 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0499% | 2,204 |
| Assets per employee ($millions) | 7.3089% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 3,776 |
| Loan loss allowance to noncurrent loans | 15,566.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,321 |
| Noncurrent loans to loans | 0.0088% | 6,152 |
| Net loans and leases to total assets | 66.0679% | 2,553 |
| Net loans and leases to deposits | 91.7610% | 976 |
| Net loans and leases to core deposits | 95.3418% | 1,441 |
| Total domestic deposits to total assets | 72.0000% | 6,361 |
| Equity capital to assets | 18.5556% | 286 |
| Core capital (leverage) ratio | 18.3597% | 288 |
| Tier 1 risk-based capital ratio | 24.1355% | 980 |
| Total risk-based capital ratio | 25.3066% | 976 |
| Memoranda: | ||
| Average total assets | $104,572,000 | 4,617 |
| Average earning assets | $94,170,500 | 4,679 |
| Average equity | $18,811,500 | 3,312 |
| Average total loans | $69,271,000 | 4,293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,081 |
| Cost of funding earning assets | 0.5669% | 2,958 |
| Net interest margin | 3.4341% | 4,153 |
| Noninterest income to average assets | 0.0843% | 6,444 |
| Noninterest expense to average assets | 2.6815% | 4,156 |
| Loan and lease loss provision to assets | 0.0701% | 3,724 |
| Net operating income to assets | 0.4204% | 5,078 |
| Return on assets (ROA) | 0.4640% | 5,027 |
| Pretax return on assets | 0.4640% | 5,311 |
| Return on Equity (ROE) | 2.4436% | 5,693 |
| Retained earnings to average equity (ytd only) | 2.4436% | 4,510 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5391% | 1,571 |
| Assets per employee ($millions) | 7.1213% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 3,960 |
| Loan loss allowance to noncurrent loans | 11,675.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 6,410 |
| Noncurrent loans to loans | 0.0114% | 6,246 |
| Net loans and leases to total assets | 64.6608% | 2,927 |
| Net loans and leases to deposits | 88.1478% | 1,442 |
| Net loans and leases to core deposits | 91.3721% | 1,864 |
| Total domestic deposits to total assets | 73.3549% | 6,324 |
| Equity capital to assets | 17.4463% | 362 |
| Core capital (leverage) ratio | 18.0596% | 297 |
| Tier 1 risk-based capital ratio | 23.4015% | 1,034 |
| Total risk-based capital ratio | 24.5467% | 1,028 |
| Memoranda: | ||
| Average total assets | $98,489,200 | 4,781 |
| Average earning assets | $88,554,200 | 4,815 |
| Average equity | $18,702,000 | 3,313 |
| Average total loans | $67,052,200 | 4,373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,980 |
| Cost of funding earning assets | 0.5755% | 3,040 |
| Net interest margin | 3.4639% | 4,039 |
| Noninterest income to average assets | 0.0816% | 6,537 |
| Noninterest expense to average assets | 2.7134% | 3,972 |
| Loan and lease loss provision to assets | 0.0954% | 3,169 |
| Net operating income to assets | 0.3776% | 5,341 |
| Return on assets (ROA) | 0.4384% | 5,223 |
| Pretax return on assets | 0.4384% | 5,529 |
| Return on Equity (ROE) | 2.2580% | 5,858 |
| Retained earnings to average equity (ytd only) | 2.2580% | 4,965 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1563% | 1,450 |
| Assets per employee ($millions) | 6.3659% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3961% | 3,910 |
| Loan loss allowance to noncurrent loans | 9,340.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 6,472 |
| Noncurrent loans to loans | 0.0149% | 6,316 |
| Net loans and leases to total assets | 64.7646% | 2,858 |
| Net loans and leases to deposits | 90.0621% | 1,156 |
| Net loans and leases to core deposits | 94.3517% | 1,535 |
| Total domestic deposits to total assets | 71.9111% | 6,501 |
| Equity capital to assets | 18.2721% | 307 |
| Core capital (leverage) ratio | 19.0477% | 238 |
| Tier 1 risk-based capital ratio | 24.1695% | 971 |
| Total risk-based capital ratio | 25.3610% | 968 |
| Memoranda: | ||
| Average total assets | $96,406,750 | 4,872 |
| Average earning assets | $86,413,000 | 4,918 |
| Average equity | $18,718,500 | 3,344 |
| Average total loans | $66,314,250 | 4,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 3,840 |
| Cost of funding earning assets | 0.5823% | 3,102 |
| Net interest margin | 3.4890% | 3,822 |
| Noninterest income to average assets | 0.0825% | 6,579 |
| Noninterest expense to average assets | 2.7381% | 3,898 |
| Loan and lease loss provision to assets | 0.1459% | 2,515 |
| Net operating income to assets | 0.3150% | 5,544 |
| Return on assets (ROA) | 0.4081% | 5,351 |
| Pretax return on assets | 0.4081% | 5,623 |
| Return on Equity (ROE) | 2.0582% | 5,937 |
| Retained earnings to average equity (ytd only) | 2.0582% | 4,966 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5915% | 1,457 |
| Assets per employee ($millions) | 5.9404% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 4,187 |
| Loan loss allowance to noncurrent loans | 8,490.9091% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 6,518 |
| Noncurrent loans to loans | 0.0161% | 6,379 |
| Net loans and leases to total assets | 70.9670% | 1,725 |
| Net loans and leases to deposits | 101.5859% | 350 |
| Net loans and leases to core deposits | 106.9427% | 692 |
| Total domestic deposits to total assets | 69.8591% | 6,665 |
| Equity capital to assets | 19.4819% | 233 |
| Core capital (leverage) ratio | 19.8748% | 199 |
| Tier 1 risk-based capital ratio | 24.0391% | 993 |
| Total risk-based capital ratio | 25.2322% | 980 |
| Memoranda: | ||
| Average total assets | $94,590,670 | 4,946 |
| Average earning assets | $84,495,330 | 4,998 |
| Average equity | $18,754,330 | 3,364 |
| Average total loans | $66,119,000 | 4,463 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,877 |
| Cost of funding earning assets | 0.5900% | 3,204 |
| Net interest margin | 3.4732% | 3,813 |
| Noninterest income to average assets | 0.0509% | 6,733 |
| Noninterest expense to average assets | 2.7129% | 4,006 |
| Loan and lease loss provision to assets | 0.1102% | 2,858 |
| Net operating income to assets | 0.3222% | 5,487 |
| Return on assets (ROA) | 0.3222% | 5,620 |
| Pretax return on assets | 0.3222% | 5,802 |
| Return on Equity (ROE) | 1.6108% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.6108% | 5,180 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2534% | 1,481 |
| Assets per employee ($millions) | 6.2769% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 4,386 |
| Loan loss allowance to noncurrent loans | 7,425.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,584 |
| Noncurrent loans to loans | 0.0184% | 6,442 |
| Net loans and leases to total assets | 68.2103% | 1,968 |
| Net loans and leases to deposits | 98.6725% | 412 |
| Net loans and leases to core deposits | 104.4379% | 696 |
| Total domestic deposits to total assets | 69.1279% | 6,780 |
| Equity capital to assets | 20.0748% | 215 |
| Core capital (leverage) ratio | 19.8617% | 198 |
| Tier 1 risk-based capital ratio | 25.0264% | 886 |
| Total risk-based capital ratio | 26.2189% | 881 |
| Memoranda: | ||
| Average total assets | $94,362,500 | 4,992 |
| Average earning assets | $84,071,500 | 5,042 |
| Average equity | $18,873,000 | 3,392 |
| Average total loans | $64,985,500 | 4,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 3,587 |
| Cost of funding earning assets | 0.6722% | 3,718 |
| Net interest margin | 3.7835% | 3,300 |
| Noninterest income to average assets | 0.0755% | 6,600 |
| Noninterest expense to average assets | 2.8981% | 3,650 |
| Loan and lease loss provision to assets | 0.1039% | 4,343 |
| Net operating income to assets | 0.4342% | 4,952 |
| Return on assets (ROA) | 0.7557% | 3,727 |
| Pretax return on assets | 0.7557% | 4,457 |
| Return on Equity (ROE) | 3.7324% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.7324% | 3,590 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3412% | 1,585 |
| Assets per employee ($millions) | 6.3048% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,476 |
| Loan loss allowance to noncurrent loans | 6,178.5714% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 6,642 |
| Noncurrent loans to loans | 0.0216% | 6,478 |
| Net loans and leases to total assets | 67.6659% | 2,247 |
| Net loans and leases to deposits | 97.8187% | 520 |
| Net loans and leases to core deposits | 103.9320% | 792 |
| Total domestic deposits to total assets | 69.1748% | 6,819 |
| Equity capital to assets | 19.9266% | 226 |
| Core capital (leverage) ratio | 19.3576% | 220 |
| Tier 1 risk-based capital ratio | 25.1397% | 838 |
| Total risk-based capital ratio | 26.3075% | 836 |
| Memoranda: | ||
| Average total assets | $91,438,600 | 5,036 |
| Average earning assets | $81,220,400 | 5,097 |
| Average equity | $18,513,400 | 3,402 |
| Average total loans | $62,086,200 | 4,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 3,593 |
| Cost of funding earning assets | 0.6726% | 3,995 |
| Net interest margin | 3.8387% | 3,167 |
| Noninterest income to average assets | 0.0735% | 6,720 |
| Noninterest expense to average assets | 2.9400% | 3,446 |
| Loan and lease loss provision to assets | 0.1397% | 3,786 |
| Net operating income to assets | 0.4015% | 5,242 |
| Return on assets (ROA) | 0.6839% | 4,249 |
| Pretax return on assets | 0.6839% | 4,915 |
| Return on Equity (ROE) | 3.3639% | 5,547 |
| Retained earnings to average equity (ytd only) | 3.3639% | 4,500 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4529% | 1,540 |
| Assets per employee ($millions) | 6.2479% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,710 |
| Loan loss allowance to noncurrent loans | 5,766.6667% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,735 |
| Noncurrent loans to loans | 0.0230% | 6,584 |
| Net loans and leases to total assets | 68.8000% | 2,152 |
| Net loans and leases to deposits | 100.4002% | 419 |
| Net loans and leases to core deposits | 106.2853% | 721 |
| Total domestic deposits to total assets | 68.5258% | 6,906 |
| Equity capital to assets | 20.1434% | 234 |
| Core capital (leverage) ratio | 19.7109% | 221 |
| Tier 1 risk-based capital ratio | 24.6697% | 938 |
| Total risk-based capital ratio | 25.8299% | 939 |
| Memoranda: | ||
| Average total assets | $90,655,250 | 5,112 |
| Average earning assets | $80,475,750 | 5,164 |
| Average equity | $18,430,500 | 3,443 |
| Average total loans | $61,393,250 | 4,711 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5627% | 3,517 |
| Cost of funding earning assets | 0.6633% | 4,338 |
| Net interest margin | 3.8993% | 2,909 |
| Noninterest income to average assets | 0.0759% | 6,769 |
| Noninterest expense to average assets | 2.9899% | 3,291 |
| Loan and lease loss provision to assets | 0.0982% | 4,312 |
| Net operating income to assets | 0.4373% | 5,085 |
| Return on assets (ROA) | 0.8657% | 3,325 |
| Pretax return on assets | 0.8657% | 4,210 |
| Return on Equity (ROE) | 4.2448% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,784 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8101% | 1,554 |
| Assets per employee ($millions) | 5.5983% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,921 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 69.4012% | 2,027 |
| Net loans and leases to deposits | 95.0302% | 692 |
| Net loans and leases to core deposits | 101.4773% | 1,004 |
| Total domestic deposits to total assets | 73.0306% | 6,743 |
| Equity capital to assets | 20.6873% | 213 |
| Core capital (leverage) ratio | 20.5348% | 180 |
| Tier 1 risk-based capital ratio | 25.5411% | 849 |
| Total risk-based capital ratio | 26.6762% | 841 |
| Memoranda: | ||
| Average total assets | $89,634,330 | 5,181 |
| Average earning assets | $79,296,000 | 5,230 |
| Average equity | $18,281,330 | 3,458 |
| Average total loans | $60,076,670 | 4,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 3,252 |
| Cost of funding earning assets | 0.6784% | 4,480 |
| Net interest margin | 3.9741% | 2,616 |
| Noninterest income to average assets | 0.0714% | 6,854 |
| Noninterest expense to average assets | 2.9220% | 3,532 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6513% | 4,115 |
| Return on assets (ROA) | 1.4320% | 1,305 |
| Pretax return on assets | 1.4320% | 2,081 |
| Return on Equity (ROE) | 7.0717% | 3,750 |
| Retained earnings to average equity (ytd only) | 7.0717% | 2,400 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7728% | 1,965 |
| Assets per employee ($millions) | 5.5721% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 64.8832% | 2,675 |
| Net loans and leases to deposits | 88.7889% | 1,077 |
| Net loans and leases to core deposits | 94.8233% | 1,388 |
| Total domestic deposits to total assets | 73.0758% | 6,825 |
| Equity capital to assets | 20.4747% | 209 |
| Core capital (leverage) ratio | 20.4471% | 179 |
| Tier 1 risk-based capital ratio | 26.5654% | 761 |
| Total risk-based capital ratio | 27.6865% | 758 |
| Memoranda: | ||
| Average total assets | $89,665,500 | 5,219 |
| Average earning assets | $79,011,500 | 5,270 |
| Average equity | $18,157,000 | 3,474 |
| Average total loans | $58,626,000 | 4,874 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 4,553 |
| Cost of funding earning assets | 0.8349% | 4,589 |
| Net interest margin | 3.7936% | 3,851 |
| Noninterest income to average assets | 0.0791% | 6,720 |
| Noninterest expense to average assets | 3.7317% | 1,474 |
| Loan and lease loss provision to assets | 0.2049% | 4,135 |
| Net operating income to assets | -0.4925% | 6,481 |
| Return on assets (ROA) | -0.4925% | 6,532 |
| Pretax return on assets | -0.4925% | 6,491 |
| Return on Equity (ROE) | -2.2914% | 6,357 |
| Retained earnings to average equity (ytd only) | -2.2914% | 6,186 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3507% | 466 |
| Assets per employee ($millions) | 6.0118% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3132% | 4,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 64.1694% | 3,150 |
| Net loans and leases to deposits | 87.3660% | 1,467 |
| Net loans and leases to core deposits | 92.8158% | 1,810 |
| Total domestic deposits to total assets | 73.4489% | 6,767 |
| Equity capital to assets | 20.0273% | 232 |
| Core capital (leverage) ratio | 19.3899% | 225 |
| Tier 1 risk-based capital ratio | 26.1420% | 763 |
| Total risk-based capital ratio | 27.2650% | 766 |
| Memoranda: | ||
| Average total assets | $83,447,200 | 5,356 |
| Average earning assets | $74,019,000 | 5,399 |
| Average equity | $17,936,400 | 3,436 |
| Average total loans | $54,351,400 | 5,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 4,767 |
| Cost of funding earning assets | 0.8408% | 4,848 |
| Net interest margin | 3.7843% | 3,950 |
| Noninterest income to average assets | 0.0734% | 6,870 |
| Noninterest expense to average assets | 3.9527% | 1,067 |
| Loan and lease loss provision to assets | 0.1549% | 4,528 |
| Net operating income to assets | -0.6800% | 6,747 |
| Return on assets (ROA) | -0.6800% | 6,778 |
| Pretax return on assets | -0.6800% | 6,726 |
| Return on Equity (ROE) | -3.1051% | 6,564 |
| Retained earnings to average equity (ytd only) | -3.1051% | 6,428 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.3187% | 355 |
| Assets per employee ($millions) | 6.2095% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 5,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 57.1171% | 4,661 |
| Net loans and leases to deposits | 77.1204% | 3,148 |
| Net loans and leases to core deposits | 81.7154% | 3,366 |
| Total domestic deposits to total assets | 74.0622% | 6,751 |
| Equity capital to assets | 19.4477% | 285 |
| Core capital (leverage) ratio | 20.5262% | 197 |
| Tier 1 risk-based capital ratio | 26.7428% | 753 |
| Total risk-based capital ratio | 27.7822% | 761 |
| Memoranda: | ||
| Average total assets | $81,764,750 | 5,444 |
| Average earning assets | $72,472,750 | 5,499 |
| Average equity | $17,905,500 | 3,438 |
| Average total loans | $53,280,250 | 5,190 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8011% | 4,093 |
| Cost of funding earning assets | 0.8629% | 4,966 |
| Net interest margin | 3.9383% | 3,134 |
| Noninterest income to average assets | 0.0744% | 6,944 |
| Noninterest expense to average assets | 4.1399% | 882 |
| Loan and lease loss provision to assets | 0.1077% | 4,955 |
| Net operating income to assets | -0.7079% | 6,823 |
| Return on assets (ROA) | -0.7079% | 6,831 |
| Pretax return on assets | -0.7079% | 6,777 |
| Return on Equity (ROE) | -3.0949% | 6,597 |
| Retained earnings to average equity (ytd only) | -3.0949% | 6,383 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9565% | 377 |
| Assets per employee ($millions) | 5.3475% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2066% | 5,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.4316% | 3,152 |
| Net loans and leases to deposits | 84.5657% | 2,023 |
| Net loans and leases to core deposits | 90.1864% | 2,356 |
| Total domestic deposits to total assets | 77.3737% | 6,401 |
| Equity capital to assets | 22.4530% | 167 |
| Core capital (leverage) ratio | 22.0322% | 158 |
| Tier 1 risk-based capital ratio | 28.3241% | 638 |
| Total risk-based capital ratio | 29.3431% | 641 |
| Memoranda: | ||
| Average total assets | $77,972,330 | 5,596 |
| Average earning assets | $68,609,000 | 5,677 |
| Average equity | $17,836,000 | 3,445 |
| Average total loans | $53,075,670 | 5,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 4,021 |
| Cost of funding earning assets | 0.8905% | 4,989 |
| Net interest margin | 3.9181% | 3,055 |
| Noninterest income to average assets | 0.0677% | 7,053 |
| Noninterest expense to average assets | 4.2315% | 794 |
| Loan and lease loss provision to assets | 0.0208% | 5,688 |
| Net operating income to assets | -0.7495% | 6,937 |
| Return on assets (ROA) | -0.7495% | 6,943 |
| Pretax return on assets | -0.7495% | 6,890 |
| Return on Equity (ROE) | -3.2453% | 6,687 |
| Retained earnings to average equity (ytd only) | -3.2453% | 6,327 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8024% | 335 |
| Assets per employee ($millions) | 5.1669% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 67.8352% | 2,583 |
| Net loans and leases to deposits | 88.3035% | 1,431 |
| Net loans and leases to core deposits | 92.3795% | 2,082 |
| Total domestic deposits to total assets | 76.8206% | 6,565 |
| Equity capital to assets | 22.9898% | 145 |
| Core capital (leverage) ratio | 23.2041% | 133 |
| Tier 1 risk-based capital ratio | 28.0021% | 634 |
| Total risk-based capital ratio | 28.9523% | 636 |
| Memoranda: | ||
| Average total assets | $76,852,500 | 5,676 |
| Average earning assets | $67,380,000 | 5,752 |
| Average equity | $17,749,000 | 3,442 |
| Average total loans | $53,051,000 | 5,288 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 6,060 |
| Cost of funding earning assets | 1.2682% | 4,091 |
| Net interest margin | 3.3499% | 5,794 |
| Noninterest income to average assets | 0.0787% | 6,994 |
| Noninterest expense to average assets | 4.1588% | 950 |
| Loan and lease loss provision to assets | 0.2103% | 5,149 |
| Net operating income to assets | -1.3523% | 6,855 |
| Return on assets (ROA) | -1.1613% | 6,789 |
| Pretax return on assets | -1.1613% | 6,723 |
| Return on Equity (ROE) | -5.0534% | 6,434 |
| Retained earnings to average equity (ytd only) | -5.0534% | 6,302 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.8529% | 268 |
| Assets per employee ($millions) | 5.4429% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.6671% | 2,820 |
| Net loans and leases to deposits | 89.6559% | 1,576 |
| Net loans and leases to core deposits | 94.7436% | 2,165 |
| Total domestic deposits to total assets | 76.5895% | 6,551 |
| Equity capital to assets | 23.2018% | 156 |
| Core capital (leverage) ratio | 21.7865% | 172 |
| Tier 1 risk-based capital ratio | 28.5117% | 573 |
| Total risk-based capital ratio | 29.4749% | 576 |
| Memoranda: | ||
| Average total assets | $77,498,800 | 5,659 |
| Average earning assets | $67,972,000 | 5,736 |
| Average equity | $17,809,800 | 3,457 |
| Average total loans | $47,997,400 | 5,561 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 6,476 |
| Cost of funding earning assets | 1.3456% | 3,930 |
| Net interest margin | 3.1997% | 6,345 |
| Noninterest income to average assets | 0.0771% | 7,151 |
| Noninterest expense to average assets | 4.1323% | 898 |
| Loan and lease loss provision to assets | 0.2330% | 4,742 |
| Net operating income to assets | -1.4854% | 7,105 |
| Return on assets (ROA) | -1.2318% | 7,023 |
| Pretax return on assets | -1.2318% | 6,947 |
| Return on Equity (ROE) | -5.3729% | 6,673 |
| Retained earnings to average equity (ytd only) | -5.3729% | 6,583 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4860% | 231 |
| Assets per employee ($millions) | 6.1315% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,774 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 57.9606% | 5,275 |
| Net loans and leases to deposits | 73.4105% | 4,612 |
| Net loans and leases to core deposits | 77.0603% | 4,910 |
| Total domestic deposits to total assets | 78.9541% | 6,032 |
| Equity capital to assets | 20.7826% | 243 |
| Core capital (leverage) ratio | 21.7264% | 188 |
| Tier 1 risk-based capital ratio | 28.5342% | 594 |
| Total risk-based capital ratio | 29.4546% | 599 |
| Memoranda: | ||
| Average total assets | $77,823,250 | 5,721 |
| Average earning assets | $68,171,000 | 5,792 |
| Average equity | $17,842,250 | 3,495 |
| Average total loans | $46,765,750 | 5,685 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 6,279 |
| Cost of funding earning assets | 1.4073% | 3,830 |
| Net interest margin | 3.2520% | 6,164 |
| Noninterest income to average assets | 0.0745% | 7,215 |
| Noninterest expense to average assets | 4.3220% | 705 |
| Loan and lease loss provision to assets | 0.2821% | 4,149 |
| Net operating income to assets | -1.7006% | 7,216 |
| Return on assets (ROA) | -1.5329% | 7,171 |
| Pretax return on assets | -1.5329% | 7,085 |
| Return on Equity (ROE) | -6.4563% | 6,800 |
| Retained earnings to average equity (ytd only) | -6.4563% | 6,691 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.8543% | 215 |
| Assets per employee ($millions) | 5.1913% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 61.2978% | 4,821 |
| Net loans and leases to deposits | 79.7980% | 3,632 |
| Net loans and leases to core deposits | 83.2206% | 4,246 |
| Total domestic deposits to total assets | 76.8162% | 6,544 |
| Equity capital to assets | 22.9295% | 170 |
| Core capital (leverage) ratio | 22.4839% | 161 |
| Tier 1 risk-based capital ratio | 29.7752% | 522 |
| Total risk-based capital ratio | 30.6873% | 525 |
| Memoranda: | ||
| Average total assets | $75,150,670 | 5,830 |
| Average earning assets | $65,374,670 | 5,913 |
| Average equity | $17,843,000 | 3,485 |
| Average total loans | $45,579,000 | 5,789 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 6,767 |
| Cost of funding earning assets | 1.3532% | 4,467 |
| Net interest margin | 3.1595% | 6,422 |
| Noninterest income to average assets | 0.0705% | 7,359 |
| Noninterest expense to average assets | 4.3203% | 706 |
| Loan and lease loss provision to assets | 0.5421% | 2,334 |
| Net operating income to assets | -1.9948% | 7,461 |
| Return on assets (ROA) | -1.8213% | 7,420 |
| Pretax return on assets | -1.8213% | 7,359 |
| Return on Equity (ROE) | -7.5349% | 7,031 |
| Retained earnings to average equity (ytd only) | -7.5349% | 6,791 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.6616% | 210 |
| Assets per employee ($millions) | 5.1466% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.5047% | 4,656 |
| Net loans and leases to deposits | 81.4177% | 3,381 |
| Net loans and leases to core deposits | 84.9495% | 4,063 |
| Total domestic deposits to total assets | 76.7704% | 6,604 |
| Equity capital to assets | 23.0443% | 178 |
| Core capital (leverage) ratio | 23.6347% | 159 |
| Tier 1 risk-based capital ratio | 30.2043% | 519 |
| Total risk-based capital ratio | 31.1163% | 515 |
| Memoranda: | ||
| Average total assets | $73,791,500 | 5,944 |
| Average earning assets | $65,326,000 | 5,983 |
| Average equity | $17,837,000 | 3,514 |
| Average total loans | $44,231,500 | 5,931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 7,837 |
| Cost of funding earning assets | 2.1511% | 2,230 |
| Net interest margin | 1.3224% | 7,893 |
| Noninterest income to average assets | 0.0598% | 7,457 |
| Noninterest expense to average assets | 4.5246% | 779 |
| Loan and lease loss provision to assets | 0.3747% | 4,535 |
| Net operating income to assets | -3.7109% | 7,557 |
| Return on assets (ROA) | -3.4397% | 7,499 |
| Pretax return on assets | -3.4397% | 7,402 |
| Return on Equity (ROE) | -12.6435% | 6,810 |
| Retained earnings to average equity (ytd only) | -12.6435% | 6,733 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 380.7362% | 47 |
| Assets per employee ($millions) | 4.6923% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0990% | 5,906 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 55.7485% | 5,985 |
| Net loans and leases to deposits | 74.9031% | 4,892 |
| Net loans and leases to core deposits | 93.9517% | 4,679 |
| Total domestic deposits to total assets | 74.4274% | 6,958 |
| Equity capital to assets | 25.4092% | 153 |
| Core capital (leverage) ratio | 24.1409% | 167 |
| Tier 1 risk-based capital ratio | 35.9464% | 323 |
| Total risk-based capital ratio | 36.8217% | 327 |
| Memoranda: | ||
| Average total assets | $68,581,400 | 6,053 |
| Average earning assets | $58,528,200 | 6,200 |
| Average equity | $18,657,800 | 3,398 |
| Average total loans | $28,027,400 | 6,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1007% | 7,972 |
| Cost of funding earning assets | 2.3584% | 1,776 |
| Net interest margin | 0.7423% | 8,039 |
| Noninterest income to average assets | 0.0509% | 7,647 |
| Noninterest expense to average assets | 4.5754% | 677 |
| Loan and lease loss provision to assets | 0.4286% | 3,758 |
| Net operating income to assets | -4.3230% | 7,780 |
| Return on assets (ROA) | -4.0568% | 7,761 |
| Pretax return on assets | -4.0568% | 7,697 |
| Return on Equity (ROE) | -14.6618% | 7,173 |
| Retained earnings to average equity (ytd only) | -14.6618% | 7,116 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 671.8391% | 19 |
| Assets per employee ($millions) | 5.5979% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 42.6705% | 7,327 |
| Net loans and leases to deposits | 54.5707% | 7,169 |
| Net loans and leases to core deposits | 62.5458% | 7,302 |
| Total domestic deposits to total assets | 78.1931% | 6,022 |
| Equity capital to assets | 21.5770% | 263 |
| Core capital (leverage) ratio | 22.8963% | 210 |
| Tier 1 risk-based capital ratio | 36.6571% | 343 |
| Total risk-based capital ratio | 37.4672% | 348 |
| Memoranda: | ||
| Average total assets | $68,130,750 | 6,100 |
| Average earning assets | $57,835,500 | 6,264 |
| Average equity | $18,851,250 | 3,391 |
| Average total loans | $25,115,750 | 6,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8600% | 8,088 |
| Cost of funding earning assets | 2.5586% | 1,410 |
| Net interest margin | 0.3015% | 8,153 |
| Noninterest income to average assets | 0.0350% | 7,814 |
| Noninterest expense to average assets | 4.9609% | 523 |
| Loan and lease loss provision to assets | 0.4455% | 3,312 |
| Net operating income to assets | -5.1232% | 7,945 |
| Return on assets (ROA) | -4.6904% | 7,910 |
| Pretax return on assets | -4.6904% | 7,830 |
| Return on Equity (ROE) | -15.4381% | 7,348 |
| Retained earnings to average equity (ytd only) | -15.4381% | 7,263 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,751.6854% | 13 |
| Assets per employee ($millions) | 4.9673% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.5255% | 7,621 |
| Net loans and leases to deposits | 51.3075% | 7,417 |
| Net loans and leases to core deposits | 58.2275% | 7,518 |
| Total domestic deposits to total assets | 75.0876% | 6,748 |
| Equity capital to assets | 24.6695% | 208 |
| Core capital (leverage) ratio | 25.7601% | 190 |
| Tier 1 risk-based capital ratio | 44.0742% | 234 |
| Total risk-based capital ratio | 44.8372% | 239 |
| Memoranda: | ||
| Average total assets | $62,851,330 | 6,338 |
| Average earning assets | $51,747,670 | 6,569 |
| Average equity | $19,095,670 | 3,376 |
| Average total loans | $21,411,670 | 7,246 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7120% | 8,157 |
| Cost of funding earning assets | 2.4153% | 2,230 |
| Net interest margin | 0.2966% | 8,209 |
| Noninterest income to average assets | 0.0210% | 7,969 |
| Noninterest expense to average assets | 5.3523% | 390 |
| Loan and lease loss provision to assets | 0.2034% | 4,413 |
| Net operating income to assets | -5.2891% | 8,057 |
| Return on assets (ROA) | -5.2891% | 8,050 |
| Pretax return on assets | -5.2891% | 8,006 |
| Return on Equity (ROE) | -15.5040% | 7,625 |
| Retained earnings to average equity (ytd only) | -15.5040% | 7,460 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2,007.8947% | 8 |
| Assets per employee ($millions) | 4.5099% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,478 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 27.6737% | 7,969 |
| Net loans and leases to deposits | 38.7350% | 7,881 |
| Net loans and leases to core deposits | 46.1985% | 7,865 |
| Total domestic deposits to total assets | 71.4438% | 7,283 |
| Equity capital to assets | 28.3301% | 166 |
| Core capital (leverage) ratio | 32.3585% | 131 |
| Tier 1 risk-based capital ratio | 58.3180% | 148 |
| Total risk-based capital ratio | 58.9576% | 147 |
| Memoranda: | ||
| Average total assets | $57,022,500 | 6,580 |
| Average earning assets | $47,198,500 | 6,785 |
| Average equity | $19,453,000 | 3,356 |
| Average total loans | $17,605,500 | 7,503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9809% | 8,260 |
| Cost of funding earning assets | 0.4490% | 8,198 |
| Net interest margin | 0.5319% | 8,261 |
| Noninterest income to average assets | 0.0058% | 8,086 |
| Noninterest expense to average assets | 5.7919% | 444 |
| Loan and lease loss provision to assets | 0.5223% | 2,726 |
| Net operating income to assets | -5.8590% | 8,144 |
| Return on assets (ROA) | -5.8590% | 8,136 |
| Pretax return on assets | -5.8590% | 8,095 |
| Return on Equity (ROE) | -10.2165% | 7,290 |
| Retained earnings to average equity (ytd only) | -10.2165% | 7,088 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,272.4359% | 12 |
| Assets per employee ($millions) | 2.8998% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.7077% | 7,876 |
| Net loans and leases to deposits | 60.5695% | 7,040 |
| Net loans and leases to core deposits | 80.7735% | 6,558 |
| Total domestic deposits to total assets | 57.3024% | 8,031 |
| Equity capital to assets | 42.5489% | 93 |
| Core capital (leverage) ratio | 53.4512% | 72 |
| Tier 1 risk-based capital ratio | 75.3781% | 108 |
| Total risk-based capital ratio | 76.0687% | 107 |
| Memoranda: | ||
| Average total assets | $34,272,000 | 7,449 |
| Average earning assets | $28,952,500 | 7,569 |
| Average equity | $19,654,500 | 3,282 |
| Average total loans | $10,648,000 | 7,910 |