Home > City National Bank of New Jersey > Performance and Condition Ratios
City National Bank of New Jersey, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 3,428 |
| Cost of funding earning assets | 0.2856% | 4,830 |
| Net interest margin | 4.0932% | 1,632 |
| Noninterest income to average assets | 3.8422% | 118 |
| Noninterest expense to average assets | 10.8502% | 63 |
| Loan and lease loss provision to assets | -2.1820% | 5,255 |
| Net operating income to assets | -1.3556% | 5,194 |
| Return on assets (ROA) | -1.3556% | 5,194 |
| Pretax return on assets | -1.3474% | 5,190 |
| Return on Equity (ROE) | -45.9429% | 5,249 |
| Retained earnings to average equity (ytd only) | -45.9429% | 5,243 |
| Net charge-offs to loans | 0.1753% | 963 |
| Credit loss provision to net charge-offs | -2,264.1509% | 4,547 |
| Earnings coverage of net charge-offs (x) | -36.6226% | 3,445 |
| Efficiency ratio | 148.2116% | 41 |
| Assets per employee ($millions) | 2.3642% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8217% | 25 |
| Loan loss allowance to noncurrent loans | 220.8804% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.5327% | 708 |
| Noncurrent loans to loans | 2.6357% | 420 |
| Net loans and leases to total assets | 49.8167% | 4,434 |
| Net loans and leases to deposits | 53.9997% | 4,630 |
| Net loans and leases to core deposits | 55.2336% | 4,714 |
| Total domestic deposits to total assets | 92.2537% | 31 |
| Equity capital to assets | 2.9210% | 5,251 |
| Core capital (leverage) ratio | 2.6051% | 5,252 |
| Tier 1 risk-based capital ratio | 4.9090% | 5,250 |
| Total risk-based capital ratio | 6.2082% | 5,250 |
| Memoranda: | ||
| Average total assets | $146,647,750 | 3,377 |
| Average earning assets | $124,625,000 | 3,536 |
| Average equity | $4,327,000 | 5,029 |
| Average total loans | $80,612,000 | 3,629 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 3,952 |
| Cost of funding earning assets | 0.2753% | 4,887 |
| Net interest margin | 3.9140% | 2,202 |
| Noninterest income to average assets | 4.0943% | 115 |
| Noninterest expense to average assets | 10.8485% | 64 |
| Loan and lease loss provision to assets | -3.0900% | 5,302 |
| Net operating income to assets | -0.3772% | 5,176 |
| Return on assets (ROA) | -0.3772% | 5,182 |
| Pretax return on assets | -0.3695% | 5,177 |
| Return on Equity (ROE) | -12.7521% | 5,254 |
| Retained earnings to average equity (ytd only) | -12.7521% | 5,205 |
| Net charge-offs to loans | 0.2575% | 649 |
| Credit loss provision to net charge-offs | -2,162.1622% | 4,389 |
| Earnings coverage of net charge-offs (x) | -24.2072% | 3,159 |
| Efficiency ratio | 146.8200% | 42 |
| Assets per employee ($millions) | 2.1595% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6460% | 39 |
| Loan loss allowance to noncurrent loans | 131.3962% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 2.0972% | 425 |
| Noncurrent loans to loans | 3.5359% | 233 |
| Net loans and leases to total assets | 53.3962% | 4,255 |
| Net loans and leases to deposits | 56.1696% | 4,585 |
| Net loans and leases to core deposits | 57.1104% | 4,676 |
| Total domestic deposits to total assets | 95.0626% | 5 |
| Equity capital to assets | 3.1945% | 5,298 |
| Core capital (leverage) ratio | 3.1046% | 5,297 |
| Tier 1 risk-based capital ratio | 5.6090% | 5,297 |
| Total risk-based capital ratio | 6.8991% | 5,297 |
| Memoranda: | ||
| Average total assets | $155,339,000 | 3,292 |
| Average earning assets | $130,761,330 | 3,464 |
| Average equity | $4,595,330 | 5,033 |
| Average total loans | $86,223,000 | 3,548 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 4,034 |
| Cost of funding earning assets | 0.2720% | 4,924 |
| Net interest margin | 3.8666% | 2,290 |
| Noninterest income to average assets | 4.3649% | 105 |
| Noninterest expense to average assets | 10.8466% | 56 |
| Loan and lease loss provision to assets | -5.9352% | 5,361 |
| Net operating income to assets | 2.7154% | 115 |
| Return on assets (ROA) | 2.7154% | 125 |
| Pretax return on assets | 2.7228% | 174 |
| Return on Equity (ROE) | 95.1370% | 6 |
| Retained earnings to average equity (ytd only) | 95.1370% | 3 |
| Net charge-offs to loans | 0.5144% | 287 |
| Credit loss provision to net charge-offs | -2,086.9565% | 4,074 |
| Earnings coverage of net charge-offs (x) | -11.2957% | 2,719 |
| Efficiency ratio | 142.0797% | 45 |
| Assets per employee ($millions) | 2.2930% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4425% | 47 |
| Loan loss allowance to noncurrent loans | 127.9889% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 430 |
| Noncurrent loans to loans | 3.4710% | 263 |
| Net loans and leases to total assets | 51.0980% | 4,398 |
| Net loans and leases to deposits | 54.0423% | 4,676 |
| Net loans and leases to core deposits | 55.3565% | 4,738 |
| Total domestic deposits to total assets | 94.5518% | 8 |
| Equity capital to assets | 3.4575% | 5,357 |
| Core capital (leverage) ratio | 3.8260% | 5,355 |
| Tier 1 risk-based capital ratio | 6.9182% | 5,350 |
| Total risk-based capital ratio | 8.2048% | 5,350 |
| Memoranda: | ||
| Average total assets | $161,746,000 | 3,279 |
| Average earning assets | $136,762,500 | 3,418 |
| Average equity | $4,616,500 | 5,070 |
| Average total loans | $89,429,000 | 3,501 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 3,571 |
| Cost of funding earning assets | 0.3656% | 4,188 |
| Net interest margin | 3.7877% | 2,704 |
| Noninterest income to average assets | 6.4547% | 77 |
| Noninterest expense to average assets | 10.1115% | 63 |
| Loan and lease loss provision to assets | 2.0846% | 31 |
| Net operating income to assets | -2.4404% | 5,380 |
| Return on assets (ROA) | -2.4182% | 5,378 |
| Pretax return on assets | -2.4091% | 5,377 |
| Return on Equity (ROE) | -88.2255% | 5,403 |
| Retained earnings to average equity (ytd only) | -88.2255% | 5,402 |
| Net charge-offs to loans | 0.6819% | 240 |
| Credit loss provision to net charge-offs | 525.4453% | 666 |
| Earnings coverage of net charge-offs (x) | -0.8740% | 3,731 |
| Efficiency ratio | 103.5511% | 113 |
| Assets per employee ($millions) | 2.3939% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5133% | 16 |
| Loan loss allowance to noncurrent loans | 117.4282% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 3.4075% | 161 |
| Noncurrent loans to loans | 5.5467% | 91 |
| Net loans and leases to total assets | 53.2685% | 4,337 |
| Net loans and leases to deposits | 55.4147% | 4,687 |
| Net loans and leases to core deposits | 56.6437% | 4,758 |
| Total domestic deposits to total assets | 96.1270% | 5 |
| Equity capital to assets | 2.2928% | 5,406 |
| Core capital (leverage) ratio | 2.7729% | 5,402 |
| Tier 1 risk-based capital ratio | 5.3211% | 5,402 |
| Total risk-based capital ratio | 6.6369% | 5,402 |
| Memoranda: | ||
| Average total assets | $198,120,400 | 2,892 |
| Average earning assets | $173,138,600 | 2,991 |
| Average equity | $5,430,400 | 4,981 |
| Average total loans | $115,263,000 | 3,055 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,599 |
| Cost of funding earning assets | 0.3973% | 3,877 |
| Net interest margin | 3.7131% | 2,972 |
| Noninterest income to average assets | 5.8857% | 87 |
| Noninterest expense to average assets | 9.9538% | 64 |
| Loan and lease loss provision to assets | 2.6762% | 27 |
| Net operating income to assets | -3.4856% | 5,460 |
| Return on assets (ROA) | -3.4571% | 5,459 |
| Pretax return on assets | -3.4512% | 5,458 |
| Return on Equity (ROE) | -122.0619% | 5,474 |
| Retained earnings to average equity (ytd only) | -122.0619% | 5,474 |
| Net charge-offs to loans | 0.4259% | 377 |
| Credit loss provision to net charge-offs | 1,075.5208% | 392 |
| Earnings coverage of net charge-offs (x) | -3.2291% | 3,450 |
| Efficiency ratio | 108.7812% | 85 |
| Assets per employee ($millions) | 2.8224% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1978% | 22 |
| Loan loss allowance to noncurrent loans | 118.5922% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 3.4501% | 170 |
| Noncurrent loans to loans | 5.2261% | 115 |
| Net loans and leases to total assets | 55.4766% | 4,257 |
| Net loans and leases to deposits | 57.3959% | 4,675 |
| Net loans and leases to core deposits | 60.1066% | 4,697 |
| Total domestic deposits to total assets | 96.6562% | 3 |
| Equity capital to assets | 1.5850% | 5,477 |
| Core capital (leverage) ratio | 2.3170% | 5,477 |
| Tier 1 risk-based capital ratio | 4.3667% | 5,476 |
| Total risk-based capital ratio | 5.6810% | 5,476 |
| Memoranda: | ||
| Average total assets | $205,758,000 | 2,832 |
| Average earning assets | $180,902,250 | 2,939 |
| Average equity | $5,827,500 | 4,976 |
| Average total loans | $120,208,500 | 3,016 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 3,600 |
| Cost of funding earning assets | 0.4175% | 3,589 |
| Net interest margin | 3.6365% | 3,173 |
| Noninterest income to average assets | 5.9628% | 85 |
| Noninterest expense to average assets | 9.8245% | 67 |
| Loan and lease loss provision to assets | 0.0232% | 3,456 |
| Net operating income to assets | -0.6728% | 5,457 |
| Return on assets (ROA) | -0.6320% | 5,446 |
| Pretax return on assets | -0.6264% | 5,444 |
| Return on Equity (ROE) | -16.6422% | 5,502 |
| Retained earnings to average equity (ytd only) | -16.6422% | 5,483 |
| Net charge-offs to loans | -0.0641% | 5,002 |
| Credit loss provision to net charge-offs | -62.5000% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0158% | 108 |
| Assets per employee ($millions) | 2.8545% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3742% | 285 |
| Loan loss allowance to noncurrent loans | 130.8411% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 1,084 |
| Noncurrent loans to loans | 1.8146% | 857 |
| Net loans and leases to total assets | 59.6493% | 3,838 |
| Net loans and leases to deposits | 66.5133% | 4,140 |
| Net loans and leases to core deposits | 69.7669% | 4,159 |
| Total domestic deposits to total assets | 89.6802% | 675 |
| Equity capital to assets | 3.7539% | 5,535 |
| Core capital (leverage) ratio | 4.2184% | 5,535 |
| Tier 1 risk-based capital ratio | 7.7478% | 5,523 |
| Total risk-based capital ratio | 9.0136% | 5,522 |
| Memoranda: | ||
| Average total assets | $215,502,000 | 2,764 |
| Average earning assets | $190,680,000 | 2,845 |
| Average equity | $8,184,000 | 4,665 |
| Average total loans | $124,841,000 | 2,984 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9167% | 3,881 |
| Cost of funding earning assets | 0.4002% | 3,581 |
| Net interest margin | 3.5165% | 3,475 |
| Noninterest income to average assets | 6.7736% | 80 |
| Noninterest expense to average assets | 9.6107% | 72 |
| Loan and lease loss provision to assets | 0.0451% | 2,866 |
| Net operating income to assets | 0.2325% | 5,207 |
| Return on assets (ROA) | 0.2325% | 5,208 |
| Pretax return on assets | 0.2379% | 5,232 |
| Return on Equity (ROE) | 6.0907% | 4,128 |
| Retained earnings to average equity (ytd only) | 6.0907% | 2,667 |
| Net charge-offs to loans | 0.0989% | 1,193 |
| Credit loss provision to net charge-offs | 80.6452% | 1,745 |
| Earnings coverage of net charge-offs (x) | 5.0645% | 2,258 |
| Efficiency ratio | 97.1397% | 223 |
| Assets per employee ($millions) | 3.1942% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1848% | 400 |
| Loan loss allowance to noncurrent loans | 101.5935% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.4288% | 1,002 |
| Noncurrent loans to loans | 2.1505% | 711 |
| Net loans and leases to total assets | 55.8518% | 4,132 |
| Net loans and leases to deposits | 61.6321% | 4,362 |
| Net loans and leases to core deposits | 62.9548% | 4,496 |
| Total domestic deposits to total assets | 90.6214% | 436 |
| Equity capital to assets | 3.6590% | 5,598 |
| Core capital (leverage) ratio | 4.2470% | 5,599 |
| Tier 1 risk-based capital ratio | 8.0644% | 5,587 |
| Total risk-based capital ratio | 9.3280% | 5,585 |
| Memoranda: | ||
| Average total assets | $221,919,000 | 2,739 |
| Average earning assets | $196,898,000 | 2,815 |
| Average equity | $8,472,000 | 4,669 |
| Average total loans | $125,346,500 | 2,995 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 4,533 |
| Cost of funding earning assets | 0.4731% | 2,575 |
| Net interest margin | 3.1466% | 4,587 |
| Noninterest income to average assets | 5.9796% | 91 |
| Noninterest expense to average assets | 8.9602% | 79 |
| Loan and lease loss provision to assets | 0.1357% | 1,694 |
| Net operating income to assets | -0.3718% | 5,495 |
| Return on assets (ROA) | -0.3718% | 5,494 |
| Pretax return on assets | -0.3663% | 5,524 |
| Return on Equity (ROE) | -9.9720% | 5,589 |
| Retained earnings to average equity (ytd only) | -9.9720% | 5,532 |
| Net charge-offs to loans | 1.0744% | 161 |
| Credit loss provision to net charge-offs | 24.6667% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.4192% | 4,032 |
| Efficiency ratio | 102.6414% | 145 |
| Assets per employee ($millions) | 2.8900% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4084% | 278 |
| Loan loss allowance to noncurrent loans | 106.6395% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.2001% | 470 |
| Noncurrent loans to loans | 2.2584% | 631 |
| Net loans and leases to total assets | 54.4759% | 4,316 |
| Net loans and leases to deposits | 60.6312% | 4,523 |
| Net loans and leases to core deposits | 62.0442% | 4,653 |
| Total domestic deposits to total assets | 89.8479% | 626 |
| Equity capital to assets | 3.9882% | 5,661 |
| Core capital (leverage) ratio | 4.7276% | 5,657 |
| Tier 1 risk-based capital ratio | 7.8705% | 5,650 |
| Total risk-based capital ratio | 9.1345% | 5,650 |
| Memoranda: | ||
| Average total assets | $218,141,400 | 2,742 |
| Average earning assets | $190,653,200 | 2,854 |
| Average equity | $8,132,800 | 4,765 |
| Average total loans | $111,686,200 | 3,151 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5877% | 4,592 |
| Cost of funding earning assets | 0.4844% | 2,397 |
| Net interest margin | 3.1034% | 4,709 |
| Noninterest income to average assets | 4.8397% | 116 |
| Noninterest expense to average assets | 8.7421% | 83 |
| Loan and lease loss provision to assets | 0.2377% | 749 |
| Net operating income to assets | -1.4332% | 5,694 |
| Return on assets (ROA) | -1.4332% | 5,694 |
| Pretax return on assets | -1.4278% | 5,692 |
| Return on Equity (ROE) | -33.9895% | 5,722 |
| Retained earnings to average equity (ytd only) | -33.9895% | 5,708 |
| Net charge-offs to loans | 0.1158% | 1,631 |
| Credit loss provision to net charge-offs | 409.3750% | 756 |
| Earnings coverage of net charge-offs (x) | -20.4995% | 3,779 |
| Efficiency ratio | 115.7591% | 75 |
| Assets per employee ($millions) | 2.6537% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1130% | 142 |
| Loan loss allowance to noncurrent loans | 46.2700% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 4.8557% | 110 |
| Noncurrent loans to loans | 6.7278% | 81 |
| Net loans and leases to total assets | 55.3245% | 4,292 |
| Net loans and leases to deposits | 61.6949% | 4,540 |
| Net loans and leases to core deposits | 63.4631% | 4,631 |
| Total domestic deposits to total assets | 89.6743% | 589 |
| Equity capital to assets | 4.1913% | 5,724 |
| Core capital (leverage) ratio | 4.4960% | 5,724 |
| Tier 1 risk-based capital ratio | 7.3518% | 5,718 |
| Total risk-based capital ratio | 8.6203% | 5,718 |
| Memoranda: | ||
| Average total assets | $220,475,250 | 2,743 |
| Average earning assets | $192,689,250 | 2,864 |
| Average equity | $9,296,750 | 4,612 |
| Average total loans | $110,535,750 | 3,196 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 4,797 |
| Cost of funding earning assets | 0.4777% | 2,345 |
| Net interest margin | 3.0102% | 4,890 |
| Noninterest income to average assets | 4.2190% | 137 |
| Noninterest expense to average assets | 8.3117% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.4394% | 5,745 |
| Return on assets (ROA) | -1.4394% | 5,745 |
| Pretax return on assets | -1.4341% | 5,743 |
| Return on Equity (ROE) | -28.8663% | 5,767 |
| Retained earnings to average equity (ytd only) | -28.8663% | 5,745 |
| Net charge-offs to loans | 0.1843% | 1,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -16.0294% | 3,487 |
| Efficiency ratio | 120.8519% | 64 |
| Assets per employee ($millions) | 2.8188% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4319% | 303 |
| Loan loss allowance to noncurrent loans | 70.1237% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 3.5076% | 229 |
| Noncurrent loans to loans | 3.4680% | 337 |
| Net loans and leases to total assets | 53.7941% | 4,409 |
| Net loans and leases to deposits | 60.1555% | 4,612 |
| Net loans and leases to core deposits | 61.7368% | 4,727 |
| Total domestic deposits to total assets | 89.4250% | 751 |
| Equity capital to assets | 4.9589% | 5,768 |
| Core capital (leverage) ratio | 5.3494% | 5,759 |
| Tier 1 risk-based capital ratio | 8.8752% | 5,747 |
| Total risk-based capital ratio | 10.1366% | 5,746 |
| Memoranda: | ||
| Average total assets | $228,017,000 | 2,697 |
| Average earning assets | $201,383,670 | 2,793 |
| Average equity | $11,369,670 | 4,298 |
| Average total loans | $110,670,330 | 3,212 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3463% | 5,037 |
| Cost of funding earning assets | 0.4717% | 2,335 |
| Net interest margin | 2.8746% | 5,129 |
| Noninterest income to average assets | 3.9708% | 146 |
| Noninterest expense to average assets | 8.4105% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -1.8613% | 5,816 |
| Return on assets (ROA) | -1.8613% | 5,816 |
| Pretax return on assets | -1.8562% | 5,812 |
| Return on Equity (ROE) | -37.2318% | 5,840 |
| Retained earnings to average equity (ytd only) | -37.2318% | 5,808 |
| Net charge-offs to loans | -0.0190% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3197% | 62 |
| Assets per employee ($millions) | 2.9877% | 5,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9420% | 189 |
| Loan loss allowance to noncurrent loans | 60.9659% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 3.8018% | 209 |
| Noncurrent loans to loans | 4.8256% | 175 |
| Net loans and leases to total assets | 44.9783% | 4,986 |
| Net loans and leases to deposits | 50.3771% | 5,111 |
| Net loans and leases to core deposits | 51.6772% | 5,158 |
| Total domestic deposits to total assets | 89.2832% | 1,013 |
| Equity capital to assets | 4.9786% | 5,830 |
| Core capital (leverage) ratio | 5.2664% | 5,830 |
| Tier 1 risk-based capital ratio | 9.7960% | 5,736 |
| Total risk-based capital ratio | 11.0598% | 5,715 |
| Memoranda: | ||
| Average total assets | $232,091,500 | 2,691 |
| Average earning assets | $208,587,500 | 2,741 |
| Average equity | $11,603,000 | 4,286 |
| Average total loans | $105,393,500 | 3,308 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,090 |
| Cost of funding earning assets | 0.5460% | 1,729 |
| Net interest margin | 2.7984% | 5,290 |
| Noninterest income to average assets | 3.1697% | 184 |
| Noninterest expense to average assets | 7.2145% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.5239% | 5,866 |
| Return on assets (ROA) | -1.5231% | 5,867 |
| Pretax return on assets | -1.5182% | 5,862 |
| Return on Equity (ROE) | -27.6987% | 5,884 |
| Retained earnings to average equity (ytd only) | -27.6987% | 5,876 |
| Net charge-offs to loans | 4.6247% | 13 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.6615% | 4,165 |
| Efficiency ratio | 126.6710% | 72 |
| Assets per employee ($millions) | 3.0783% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8519% | 206 |
| Loan loss allowance to noncurrent loans | 69.3497% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 3.4352% | 258 |
| Noncurrent loans to loans | 4.1124% | 243 |
| Net loans and leases to total assets | 43.2708% | 5,158 |
| Net loans and leases to deposits | 48.1198% | 5,291 |
| Net loans and leases to core deposits | 49.2674% | 5,324 |
| Total domestic deposits to total assets | 89.9231% | 667 |
| Equity capital to assets | 5.0187% | 5,878 |
| Core capital (leverage) ratio | 5.7380% | 5,868 |
| Tier 1 risk-based capital ratio | 10.3760% | 5,622 |
| Total risk-based capital ratio | 11.6392% | 5,560 |
| Memoranda: | ||
| Average total assets | $245,354,200 | 2,546 |
| Average earning assets | $221,444,400 | 2,579 |
| Average equity | $13,491,600 | 4,027 |
| Average total loans | $121,825,400 | 3,037 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 4,986 |
| Cost of funding earning assets | 0.5672% | 1,566 |
| Net interest margin | 2.8517% | 5,263 |
| Noninterest income to average assets | 2.7475% | 231 |
| Noninterest expense to average assets | 7.3982% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.0772% | 5,946 |
| Return on assets (ROA) | -2.0762% | 5,948 |
| Pretax return on assets | -2.0762% | 5,941 |
| Return on Equity (ROE) | -36.9709% | 5,962 |
| Retained earnings to average equity (ytd only) | -36.9709% | 5,953 |
| Net charge-offs to loans | 5.7837% | 3 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.7057% | 3,846 |
| Efficiency ratio | 139.0390% | 48 |
| Assets per employee ($millions) | 2.7200% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8703% | 218 |
| Loan loss allowance to noncurrent loans | 64.1824% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 4.0773% | 200 |
| Noncurrent loans to loans | 4.4721% | 215 |
| Net loans and leases to total assets | 49.1271% | 4,885 |
| Net loans and leases to deposits | 55.1469% | 5,045 |
| Net loans and leases to core deposits | 58.0790% | 5,051 |
| Total domestic deposits to total assets | 89.0840% | 863 |
| Equity capital to assets | 5.6824% | 5,938 |
| Core capital (leverage) ratio | 5.5662% | 5,937 |
| Tier 1 risk-based capital ratio | 10.0002% | 5,791 |
| Total risk-based capital ratio | 11.2647% | 5,746 |
| Memoranda: | ||
| Average total assets | $246,666,750 | 2,546 |
| Average earning assets | $222,600,000 | 2,578 |
| Average equity | $13,852,000 | 3,994 |
| Average total loans | $125,545,500 | 2,994 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 4,946 |
| Cost of funding earning assets | 0.5818% | 1,460 |
| Net interest margin | 2.8867% | 5,292 |
| Noninterest income to average assets | 2.1851% | 306 |
| Noninterest expense to average assets | 6.9819% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.1851% | 6,020 |
| Return on assets (ROA) | -2.1843% | 6,021 |
| Pretax return on assets | -2.1843% | 6,014 |
| Return on Equity (ROE) | -39.0321% | 6,039 |
| Retained earnings to average equity (ytd only) | -39.0321% | 6,024 |
| Net charge-offs to loans | 0.0971% | 1,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -44.1429% | 3,673 |
| Efficiency ratio | 145.5528% | 43 |
| Assets per employee ($millions) | 2.8549% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7608% | 17 |
| Loan loss allowance to noncurrent loans | 51.0783% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 8.4230% | 62 |
| Noncurrent loans to loans | 13.2362% | 19 |
| Net loans and leases to total assets | 47.3247% | 5,047 |
| Net loans and leases to deposits | 52.5410% | 5,225 |
| Net loans and leases to core deposits | 55.1751% | 5,212 |
| Total domestic deposits to total assets | 90.0720% | 464 |
| Equity capital to assets | 5.4166% | 6,022 |
| Core capital (leverage) ratio | 5.6322% | 6,015 |
| Tier 1 risk-based capital ratio | 9.9697% | 5,867 |
| Total risk-based capital ratio | 11.2768% | 5,795 |
| Memoranda: | ||
| Average total assets | $254,542,330 | 2,491 |
| Average earning assets | $230,301,000 | 2,536 |
| Average equity | $14,244,670 | 3,966 |
| Average total loans | $129,790,330 | 2,929 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,358 |
| Cost of funding earning assets | 0.6025% | 1,316 |
| Net interest margin | 2.6761% | 5,646 |
| Noninterest income to average assets | 1.9672% | 345 |
| Noninterest expense to average assets | 6.8431% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.4559% | 6,084 |
| Return on assets (ROA) | -2.4559% | 6,084 |
| Pretax return on assets | -2.4559% | 6,082 |
| Return on Equity (ROE) | -43.2054% | 6,100 |
| Retained earnings to average equity (ytd only) | -43.2054% | 6,067 |
| Net charge-offs to loans | -0.1528% | 5,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.9786% | 41 |
| Assets per employee ($millions) | 3.3203% | 5,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7124% | 23 |
| Loan loss allowance to noncurrent loans | 46.3859% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 8.8291% | 61 |
| Noncurrent loans to loans | 14.4708% | 16 |
| Net loans and leases to total assets | 46.2757% | 5,096 |
| Net loans and leases to deposits | 51.2173% | 5,261 |
| Net loans and leases to core deposits | 53.7221% | 5,272 |
| Total domestic deposits to total assets | 90.3517% | 484 |
| Equity capital to assets | 5.3141% | 6,083 |
| Core capital (leverage) ratio | 6.1525% | 6,057 |
| Tier 1 risk-based capital ratio | 10.3841% | 5,796 |
| Total risk-based capital ratio | 11.6894% | 5,693 |
| Memoranda: | ||
| Average total assets | $256,199,500 | 2,492 |
| Average earning assets | $231,682,500 | 2,534 |
| Average equity | $14,563,000 | 3,920 |
| Average total loans | $130,928,500 | 2,918 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 4,362 |
| Cost of funding earning assets | 0.7700% | 584 |
| Net interest margin | 2.9316% | 5,287 |
| Noninterest income to average assets | 1.5147% | 545 |
| Noninterest expense to average assets | 6.7767% | 145 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -2.5992% | 6,152 |
| Return on assets (ROA) | -2.5757% | 6,153 |
| Pretax return on assets | -2.5722% | 6,153 |
| Return on Equity (ROE) | -77.4226% | 6,178 |
| Retained earnings to average equity (ytd only) | -77.4226% | 6,176 |
| Net charge-offs to loans | 0.1912% | 1,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -23.9855% | 4,442 |
| Efficiency ratio | 162.0838% | 29 |
| Assets per employee ($millions) | 3.2907% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5918% | 23 |
| Loan loss allowance to noncurrent loans | 45.4874% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 9.3776% | 64 |
| Noncurrent loans to loans | 14.4914% | 19 |
| Net loans and leases to total assets | 49.2037% | 4,934 |
| Net loans and leases to deposits | 55.8690% | 5,049 |
| Net loans and leases to core deposits | 57.5130% | 5,132 |
| Total domestic deposits to total assets | 88.0697% | 1,592 |
| Equity capital to assets | 6.0725% | 6,115 |
| Core capital (leverage) ratio | 6.6243% | 6,085 |
| Tier 1 risk-based capital ratio | 11.3012% | 5,377 |
| Total risk-based capital ratio | 12.6056% | 5,231 |
| Memoranda: | ||
| Average total assets | $255,036,600 | 2,467 |
| Average earning assets | $231,956,800 | 2,496 |
| Average equity | $8,484,600 | 4,961 |
| Average total loans | $144,385,800 | 2,677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6429% | 4,593 |
| Cost of funding earning assets | 0.7979% | 504 |
| Net interest margin | 2.8450% | 5,504 |
| Noninterest income to average assets | 1.3766% | 652 |
| Noninterest expense to average assets | 6.5340% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -2.5639% | 6,237 |
| Return on assets (ROA) | -2.5327% | 6,239 |
| Pretax return on assets | -2.5327% | 6,237 |
| Return on Equity (ROE) | -95.3224% | 6,265 |
| Retained earnings to average equity (ytd only) | -95.3224% | 6,265 |
| Net charge-offs to loans | 0.1645% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -27.0770% | 4,161 |
| Efficiency ratio | 164.5787% | 26 |
| Assets per employee ($millions) | 3.1717% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1387% | 33 |
| Loan loss allowance to noncurrent loans | 40.1794% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 10.5942% | 52 |
| Noncurrent loans to loans | 15.2783% | 14 |
| Net loans and leases to total assets | 54.2530% | 4,543 |
| Net loans and leases to deposits | 61.4677% | 4,762 |
| Net loans and leases to core deposits | 63.2942% | 4,852 |
| Total domestic deposits to total assets | 88.2626% | 1,419 |
| Equity capital to assets | 7.0876% | 6,140 |
| Core capital (leverage) ratio | 7.6538% | 6,018 |
| Tier 1 risk-based capital ratio | 11.5094% | 5,371 |
| Total risk-based capital ratio | 12.8094% | 5,268 |
| Memoranda: | ||
| Average total assets | $256,272,000 | 2,473 |
| Average earning assets | $233,619,750 | 2,495 |
| Average equity | $6,809,000 | 5,345 |
| Average total loans | $147,547,250 | 2,638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7321% | 4,310 |
| Cost of funding earning assets | 0.8214% | 445 |
| Net interest margin | 2.9107% | 5,424 |
| Noninterest income to average assets | 1.1881% | 861 |
| Noninterest expense to average assets | 6.4050% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.5514% | 6,315 |
| Return on assets (ROA) | -2.5051% | 6,316 |
| Pretax return on assets | -2.5051% | 6,314 |
| Return on Equity (ROE) | -200.8040% | 6,343 |
| Retained earnings to average equity (ytd only) | -200.8040% | 6,343 |
| Net charge-offs to loans | 0.1543% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -28.7565% | 3,870 |
| Efficiency ratio | 166.2062% | 32 |
| Assets per employee ($millions) | 3.1584% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1520% | 32 |
| Loan loss allowance to noncurrent loans | 39.7278% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 10.4620% | 58 |
| Noncurrent loans to loans | 15.4854% | 22 |
| Net loans and leases to total assets | 52.7415% | 4,682 |
| Net loans and leases to deposits | 55.6337% | 5,144 |
| Net loans and leases to core deposits | 57.7278% | 5,213 |
| Total domestic deposits to total assets | 94.8013% | 20 |
| Equity capital to assets | 0.6579% | 6,347 |
| Core capital (leverage) ratio | 1.5675% | 6,344 |
| Tier 1 risk-based capital ratio | 2.4131% | 6,346 |
| Total risk-based capital ratio | 3.7135% | 6,345 |
| Memoranda: | ||
| Average total assets | $259,233,000 | 2,463 |
| Average earning assets | $237,402,330 | 2,482 |
| Average equity | $3,234,000 | 6,104 |
| Average total loans | $149,065,000 | 2,631 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 5,100 |
| Cost of funding earning assets | 0.8378% | 405 |
| Net interest margin | 2.6072% | 5,916 |
| Noninterest income to average assets | 1.0409% | 1,034 |
| Noninterest expense to average assets | 6.2943% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.8636% | 6,387 |
| Return on assets (ROA) | -2.7716% | 6,384 |
| Pretax return on assets | -2.7716% | 6,382 |
| Return on Equity (ROE) | -180.3716% | 6,413 |
| Retained earnings to average equity (ytd only) | -180.3716% | 6,413 |
| Net charge-offs to loans | 0.2637% | 908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -18.6800% | 3,259 |
| Efficiency ratio | 183.4674% | 24 |
| Assets per employee ($millions) | 3.1312% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9112% | 42 |
| Loan loss allowance to noncurrent loans | 39.4462% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 10.5042% | 63 |
| Noncurrent loans to loans | 14.9856% | 24 |
| Net loans and leases to total assets | 54.9255% | 4,326 |
| Net loans and leases to deposits | 58.3670% | 4,888 |
| Net loans and leases to core deposits | 61.2461% | 4,890 |
| Total domestic deposits to total assets | 94.1037% | 29 |
| Equity capital to assets | 1.3713% | 6,415 |
| Core capital (leverage) ratio | 2.1126% | 6,413 |
| Tier 1 risk-based capital ratio | 3.1770% | 6,413 |
| Total risk-based capital ratio | 4.4749% | 6,412 |
| Memoranda: | ||
| Average total assets | $260,934,000 | 2,466 |
| Average earning assets | $239,186,000 | 2,477 |
| Average equity | $4,009,500 | 6,051 |
| Average total loans | $151,710,500 | 2,601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,969 |
| Cost of funding earning assets | 0.9195% | 346 |
| Net interest margin | 2.7202% | 5,912 |
| Noninterest income to average assets | 0.7076% | 2,266 |
| Noninterest expense to average assets | 5.8555% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -2.6317% | 6,472 |
| Return on assets (ROA) | -2.6166% | 6,471 |
| Pretax return on assets | -2.6209% | 6,468 |
| Return on Equity (ROE) | -107.1809% | 6,504 |
| Retained earnings to average equity (ytd only) | -107.1809% | 6,504 |
| Net charge-offs to loans | 0.1042% | 3,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -44.2545% | 4,951 |
| Efficiency ratio | 181.8793% | 30 |
| Assets per employee ($millions) | 3.0827% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8357% | 46 |
| Loan loss allowance to noncurrent loans | 36.9774% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 10.6570% | 76 |
| Noncurrent loans to loans | 15.7819% | 20 |
| Net loans and leases to total assets | 54.5341% | 4,509 |
| Net loans and leases to deposits | 58.0812% | 5,059 |
| Net loans and leases to core deposits | 60.8571% | 5,073 |
| Total domestic deposits to total assets | 93.8928% | 38 |
| Equity capital to assets | 1.6966% | 6,504 |
| Core capital (leverage) ratio | 2.6268% | 6,496 |
| Tier 1 risk-based capital ratio | 4.0190% | 6,495 |
| Total risk-based capital ratio | 5.3146% | 6,496 |
| Memoranda: | ||
| Average total assets | $277,005,200 | 2,304 |
| Average earning assets | $255,794,400 | 2,304 |
| Average equity | $6,762,400 | 5,464 |
| Average total loans | $158,281,800 | 2,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 4,956 |
| Cost of funding earning assets | 0.9225% | 359 |
| Net interest margin | 2.7432% | 5,946 |
| Noninterest income to average assets | 0.6596% | 2,525 |
| Noninterest expense to average assets | 5.6403% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -2.4387% | 6,544 |
| Return on assets (ROA) | -2.4187% | 6,543 |
| Pretax return on assets | -2.4273% | 6,541 |
| Return on Equity (ROE) | -92.4040% | 6,578 |
| Retained earnings to average equity (ytd only) | -92.4040% | 6,578 |
| Net charge-offs to loans | 0.2048% | 1,835 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -20.9754% | 4,655 |
| Efficiency ratio | 176.6443% | 31 |
| Assets per employee ($millions) | 3.4193% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6563% | 55 |
| Loan loss allowance to noncurrent loans | 35.7819% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 9.9543% | 88 |
| Noncurrent loans to loans | 15.8078% | 25 |
| Net loans and leases to total assets | 51.5671% | 4,850 |
| Net loans and leases to deposits | 54.9403% | 5,311 |
| Net loans and leases to core deposits | 57.3540% | 5,373 |
| Total domestic deposits to total assets | 93.8601% | 44 |
| Equity capital to assets | 2.0493% | 6,574 |
| Core capital (leverage) ratio | 3.4142% | 6,561 |
| Tier 1 risk-based capital ratio | 5.0954% | 6,562 |
| Total risk-based capital ratio | 6.3896% | 6,563 |
| Memoranda: | ||
| Average total assets | $279,978,250 | 2,295 |
| Average earning assets | $258,569,250 | 2,302 |
| Average equity | $7,328,500 | 5,379 |
| Average total loans | $159,468,000 | 2,450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,347 |
| Cost of funding earning assets | 0.9299% | 359 |
| Net interest margin | 2.9168% | 5,708 |
| Noninterest income to average assets | 0.6449% | 2,576 |
| Noninterest expense to average assets | 5.6369% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.3209% | 6,605 |
| Return on assets (ROA) | -2.2755% | 6,606 |
| Pretax return on assets | -2.2525% | 6,596 |
| Return on Equity (ROE) | -80.8776% | 6,644 |
| Retained earnings to average equity (ytd only) | -80.8776% | 6,640 |
| Net charge-offs to loans | 0.2183% | 1,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -18.2229% | 4,334 |
| Efficiency ratio | 168.8174% | 37 |
| Assets per employee ($millions) | 3.3712% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6956% | 58 |
| Loan loss allowance to noncurrent loans | 35.3755% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 10.9497% | 83 |
| Noncurrent loans to loans | 16.1005% | 28 |
| Net loans and leases to total assets | 54.9463% | 4,417 |
| Net loans and leases to deposits | 59.2236% | 4,929 |
| Net loans and leases to core deposits | 65.9895% | 4,644 |
| Total domestic deposits to total assets | 92.7778% | 99 |
| Equity capital to assets | 2.7876% | 6,633 |
| Core capital (leverage) ratio | 4.0389% | 6,610 |
| Tier 1 risk-based capital ratio | 5.9610% | 6,618 |
| Total risk-based capital ratio | 7.2535% | 6,613 |
| Memoranda: | ||
| Average total assets | $277,563,670 | 2,312 |
| Average earning assets | $256,378,670 | 2,310 |
| Average equity | $7,809,330 | 5,310 |
| Average total loans | $160,293,330 | 2,445 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 4,300 |
| Cost of funding earning assets | 0.9381% | 366 |
| Net interest margin | 2.9096% | 5,731 |
| Noninterest income to average assets | 0.6266% | 2,586 |
| Noninterest expense to average assets | 5.4949% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.2238% | 6,667 |
| Return on assets (ROA) | -2.1926% | 6,664 |
| Pretax return on assets | -2.1485% | 6,651 |
| Return on Equity (ROE) | -77.5864% | 6,708 |
| Retained earnings to average equity (ytd only) | -77.5864% | 6,700 |
| Net charge-offs to loans | -0.1334% | 6,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 165.7523% | 43 |
| Assets per employee ($millions) | 3.6563% | 4,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7755% | 61 |
| Loan loss allowance to noncurrent loans | 35.0638% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 11.0103% | 94 |
| Noncurrent loans to loans | 16.4715% | 31 |
| Net loans and leases to total assets | 53.8908% | 4,432 |
| Net loans and leases to deposits | 58.0073% | 4,944 |
| Net loans and leases to core deposits | 67.9810% | 4,312 |
| Total domestic deposits to total assets | 92.9033% | 126 |
| Equity capital to assets | 2.8160% | 6,698 |
| Core capital (leverage) ratio | 4.5089% | 6,661 |
| Tier 1 risk-based capital ratio | 6.6891% | 6,664 |
| Total risk-based capital ratio | 7.9824% | 6,665 |
| Memoranda: | ||
| Average total assets | $281,497,500 | 2,291 |
| Average earning assets | $260,101,500 | 2,289 |
| Average equity | $7,955,000 | 5,313 |
| Average total loans | $161,871,000 | 2,437 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 5,890 |
| Cost of funding earning assets | 1.0202% | 406 |
| Net interest margin | 2.3539% | 6,482 |
| Noninterest income to average assets | 0.6922% | 2,586 |
| Noninterest expense to average assets | 5.4571% | 253 |
| Loan and lease loss provision to assets | 0.0479% | 4,171 |
| Net operating income to assets | -2.6281% | 6,741 |
| Return on assets (ROA) | -2.4848% | 6,739 |
| Pretax return on assets | -2.4714% | 6,735 |
| Return on Equity (ROE) | -52.4122% | 6,776 |
| Retained earnings to average equity (ytd only) | -52.4122% | 6,773 |
| Net charge-offs to loans | 0.4728% | 1,410 |
| Credit loss provision to net charge-offs | 19.0114% | 4,463 |
| Earnings coverage of net charge-offs (x) | -10.1901% | 5,426 |
| Efficiency ratio | 188.8103% | 34 |
| Assets per employee ($millions) | 3.3543% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5366% | 67 |
| Loan loss allowance to noncurrent loans | 31.7535% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 11.5486% | 91 |
| Noncurrent loans to loans | 17.4361% | 29 |
| Net loans and leases to total assets | 54.6048% | 4,519 |
| Net loans and leases to deposits | 58.6904% | 5,062 |
| Net loans and leases to core deposits | 69.9149% | 4,292 |
| Total domestic deposits to total assets | 93.0387% | 133 |
| Equity capital to assets | 2.8357% | 6,768 |
| Core capital (leverage) ratio | 4.8041% | 6,724 |
| Tier 1 risk-based capital ratio | 7.3894% | 6,716 |
| Total risk-based capital ratio | 8.6820% | 6,712 |
| Memoranda: | ||
| Average total assets | $313,226,000 | 2,053 |
| Average earning assets | $292,498,000 | 2,026 |
| Average equity | $14,849,600 | 3,897 |
| Average total loans | $166,885,200 | 2,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 6,092 |
| Cost of funding earning assets | 1.0320% | 421 |
| Net interest margin | 2.2467% | 6,620 |
| Noninterest income to average assets | 0.6844% | 2,709 |
| Noninterest expense to average assets | 5.4085% | 263 |
| Loan and lease loss provision to assets | 0.0625% | 3,794 |
| Net operating income to assets | -2.7165% | 6,830 |
| Return on assets (ROA) | -2.5458% | 6,825 |
| Pretax return on assets | -2.5121% | 6,822 |
| Return on Equity (ROE) | -49.2912% | 6,860 |
| Retained earnings to average equity (ytd only) | -49.2912% | 6,857 |
| Net charge-offs to loans | 0.5336% | 1,198 |
| Credit loss provision to net charge-offs | 22.3881% | 4,029 |
| Earnings coverage of net charge-offs (x) | -9.3940% | 5,164 |
| Efficiency ratio | 193.9824% | 31 |
| Assets per employee ($millions) | 3.6437% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5934% | 76 |
| Loan loss allowance to noncurrent loans | 31.3781% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 10.7772% | 119 |
| Noncurrent loans to loans | 17.8259% | 27 |
| Net loans and leases to total assets | 49.7905% | 5,166 |
| Net loans and leases to deposits | 53.8354% | 5,554 |
| Net loans and leases to core deposits | 65.9527% | 4,720 |
| Total domestic deposits to total assets | 92.4865% | 185 |
| Equity capital to assets | 3.5924% | 6,828 |
| Core capital (leverage) ratio | 5.2932% | 6,772 |
| Tier 1 risk-based capital ratio | 8.1839% | 6,758 |
| Total risk-based capital ratio | 9.4764% | 6,758 |
| Memoranda: | ||
| Average total assets | $320,253,000 | 2,014 |
| Average earning assets | $299,868,500 | 1,986 |
| Average equity | $16,540,750 | 3,667 |
| Average total loans | $167,403,250 | 2,338 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 6,028 |
| Cost of funding earning assets | 1.0481% | 437 |
| Net interest margin | 2.2886% | 6,628 |
| Noninterest income to average assets | 0.6858% | 2,713 |
| Noninterest expense to average assets | 5.5985% | 251 |
| Loan and lease loss provision to assets | 0.0930% | 3,235 |
| Net operating income to assets | -2.9446% | 6,893 |
| Return on assets (ROA) | -2.8380% | 6,895 |
| Pretax return on assets | -2.7530% | 6,886 |
| Return on Equity (ROE) | -50.0164% | 6,905 |
| Retained earnings to average equity (ytd only) | -50.0164% | 6,900 |
| Net charge-offs to loans | 0.6269% | 1,052 |
| Credit loss provision to net charge-offs | 28.4630% | 3,620 |
| Earnings coverage of net charge-offs (x) | -8.4668% | 4,856 |
| Efficiency ratio | 197.7009% | 33 |
| Assets per employee ($millions) | 3.2317% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7791% | 72 |
| Loan loss allowance to noncurrent loans | 28.2920% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 11.7955% | 109 |
| Noncurrent loans to loans | 20.4266% | 21 |
| Net loans and leases to total assets | 49.8485% | 5,124 |
| Net loans and leases to deposits | 54.3886% | 5,491 |
| Net loans and leases to core deposits | 71.3244% | 4,134 |
| Total domestic deposits to total assets | 91.6526% | 328 |
| Equity capital to assets | 4.2623% | 6,859 |
| Core capital (leverage) ratio | 5.5677% | 6,792 |
| Tier 1 risk-based capital ratio | 9.0176% | 6,756 |
| Total risk-based capital ratio | 10.3116% | 6,756 |
| Memoranda: | ||
| Average total assets | $322,552,330 | 2,011 |
| Average earning assets | $302,456,000 | 1,976 |
| Average equity | $18,302,000 | 3,421 |
| Average total loans | $168,116,000 | 2,328 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 5,933 |
| Cost of funding earning assets | 1.0367% | 505 |
| Net interest margin | 2.3673% | 6,629 |
| Noninterest income to average assets | 0.6139% | 3,058 |
| Noninterest expense to average assets | 5.5546% | 261 |
| Loan and lease loss provision to assets | 0.1816% | 2,039 |
| Net operating income to assets | -2.9983% | 6,966 |
| Return on assets (ROA) | -2.8154% | 6,958 |
| Pretax return on assets | -2.7161% | 6,949 |
| Return on Equity (ROE) | -44.4763% | 6,962 |
| Retained earnings to average equity (ytd only) | -44.4763% | 6,952 |
| Net charge-offs to loans | 0.7815% | 784 |
| Credit loss provision to net charge-offs | 44.9102% | 2,691 |
| Earnings coverage of net charge-offs (x) | -6.7186% | 4,087 |
| Efficiency ratio | 195.7746% | 41 |
| Assets per employee ($millions) | 3.5104% | 4,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7183% | 90 |
| Loan loss allowance to noncurrent loans | 26.5425% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 11.5783% | 137 |
| Noncurrent loans to loans | 21.5439% | 20 |
| Net loans and leases to total assets | 47.8673% | 5,241 |
| Net loans and leases to deposits | 52.9332% | 5,527 |
| Net loans and leases to core deposits | 68.9325% | 4,192 |
| Total domestic deposits to total assets | 90.4297% | 802 |
| Equity capital to assets | 5.9164% | 6,831 |
| Core capital (leverage) ratio | 5.9348% | 6,810 |
| Tier 1 risk-based capital ratio | 9.9900% | 6,694 |
| Total risk-based capital ratio | 11.2840% | 6,677 |
| Memoranda: | ||
| Average total assets | $330,320,500 | 1,990 |
| Average earning assets | $310,227,500 | 1,960 |
| Average equity | $20,910,000 | 3,145 |
| Average total loans | $170,959,000 | 2,312 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 5,723 |
| Cost of funding earning assets | 1.1575% | 711 |
| Net interest margin | 2.6859% | 6,536 |
| Noninterest income to average assets | 0.8398% | 2,083 |
| Noninterest expense to average assets | 4.6990% | 479 |
| Loan and lease loss provision to assets | 0.4362% | 1,458 |
| Net operating income to assets | -1.9939% | 6,925 |
| Return on assets (ROA) | -1.7554% | 6,916 |
| Pretax return on assets | -1.5848% | 6,871 |
| Return on Equity (ROE) | -22.8451% | 6,910 |
| Retained earnings to average equity (ytd only) | -22.8451% | 6,881 |
| Net charge-offs to loans | 1.3474% | 705 |
| Credit loss provision to net charge-offs | 57.5595% | 4,512 |
| Earnings coverage of net charge-offs (x) | -1.8304% | 5,827 |
| Efficiency ratio | 141.8788% | 113 |
| Assets per employee ($millions) | 3.4807% | 5,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5991% | 88 |
| Loan loss allowance to noncurrent loans | 25.5335% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 12.2206% | 134 |
| Noncurrent loans to loans | 21.9284% | 17 |
| Net loans and leases to total assets | 49.7856% | 5,199 |
| Net loans and leases to deposits | 55.6759% | 5,476 |
| Net loans and leases to core deposits | 68.7894% | 4,452 |
| Total domestic deposits to total assets | 89.4203% | 1,290 |
| Equity capital to assets | 6.7431% | 6,810 |
| Core capital (leverage) ratio | 6.5284% | 6,788 |
| Tier 1 risk-based capital ratio | 10.7912% | 6,434 |
| Total risk-based capital ratio | 12.0844% | 6,386 |
| Memoranda: | ||
| Average total assets | $343,900,600 | 1,883 |
| Average earning assets | $316,540,600 | 1,871 |
| Average equity | $26,425,800 | 2,530 |
| Average total loans | $193,408,000 | 2,063 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 5,836 |
| Cost of funding earning assets | 1.1764% | 775 |
| Net interest margin | 2.7024% | 6,642 |
| Noninterest income to average assets | 0.9158% | 1,774 |
| Noninterest expense to average assets | 4.3915% | 607 |
| Loan and lease loss provision to assets | 0.5280% | 1,130 |
| Net operating income to assets | -1.5637% | 6,981 |
| Return on assets (ROA) | -1.2488% | 6,940 |
| Pretax return on assets | -1.2135% | 6,913 |
| Return on Equity (ROE) | -15.7910% | 6,942 |
| Retained earnings to average equity (ytd only) | -15.7910% | 6,922 |
| Net charge-offs to loans | 1.9128% | 394 |
| Credit loss provision to net charge-offs | 48.3644% | 4,436 |
| Earnings coverage of net charge-offs (x) | -0.9163% | 5,566 |
| Efficiency ratio | 129.4984% | 154 |
| Assets per employee ($millions) | 3.6989% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0253% | 144 |
| Loan loss allowance to noncurrent loans | 21.6073% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 13.5909% | 115 |
| Noncurrent loans to loans | 23.2573% | 23 |
| Net loans and leases to total assets | 52.2161% | 5,015 |
| Net loans and leases to deposits | 58.9829% | 5,316 |
| Net loans and leases to core deposits | 73.4082% | 4,063 |
| Total domestic deposits to total assets | 88.5275% | 1,707 |
| Equity capital to assets | 7.4863% | 6,775 |
| Core capital (leverage) ratio | 7.3944% | 6,672 |
| Tier 1 risk-based capital ratio | 11.4096% | 6,285 |
| Total risk-based capital ratio | 12.6973% | 6,228 |
| Memoranda: | ||
| Average total assets | $347,210,250 | 1,886 |
| Average earning assets | $318,034,750 | 1,884 |
| Average equity | $27,458,000 | 2,464 |
| Average total loans | $198,163,500 | 2,042 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9908% | 5,666 |
| Cost of funding earning assets | 1.2048% | 798 |
| Net interest margin | 2.7861% | 6,603 |
| Noninterest income to average assets | 1.0569% | 1,294 |
| Noninterest expense to average assets | 4.1641% | 769 |
| Loan and lease loss provision to assets | 0.7153% | 749 |
| Net operating income to assets | -1.3213% | 6,983 |
| Return on assets (ROA) | -1.0031% | 6,929 |
| Pretax return on assets | -0.9676% | 6,888 |
| Return on Equity (ROE) | -12.4686% | 6,950 |
| Retained earnings to average equity (ytd only) | -12.4686% | 6,900 |
| Net charge-offs to loans | 2.1015% | 381 |
| Credit loss provision to net charge-offs | 58.9345% | 3,827 |
| Earnings coverage of net charge-offs (x) | -0.4701% | 5,226 |
| Efficiency ratio | 115.8758% | 255 |
| Assets per employee ($millions) | 3.6749% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1312% | 149 |
| Loan loss allowance to noncurrent loans | 23.4983% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 14.7100% | 103 |
| Noncurrent loans to loans | 21.8363% | 32 |
| Net loans and leases to total assets | 55.8952% | 4,485 |
| Net loans and leases to deposits | 63.7719% | 4,794 |
| Net loans and leases to core deposits | 82.0320% | 2,957 |
| Total domestic deposits to total assets | 87.6487% | 2,364 |
| Equity capital to assets | 8.1278% | 6,503 |
| Core capital (leverage) ratio | 7.6013% | 6,567 |
| Tier 1 risk-based capital ratio | 11.7493% | 6,087 |
| Total risk-based capital ratio | 13.0388% | 6,043 |
| Memoranda: | ||
| Average total assets | $349,513,330 | 1,873 |
| Average earning assets | $318,228,000 | 1,881 |
| Average equity | $28,118,670 | 2,381 |
| Average total loans | $201,853,330 | 2,006 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 5,552 |
| Cost of funding earning assets | 1.2035% | 967 |
| Net interest margin | 2.8645% | 6,533 |
| Noninterest income to average assets | 0.8883% | 1,799 |
| Noninterest expense to average assets | 3.9320% | 1,017 |
| Loan and lease loss provision to assets | 0.1393% | 3,616 |
| Net operating income to assets | -0.6275% | 6,886 |
| Return on assets (ROA) | -0.6275% | 6,908 |
| Pretax return on assets | -0.6074% | 6,866 |
| Return on Equity (ROE) | -7.8366% | 6,946 |
| Retained earnings to average equity (ytd only) | -7.8366% | 6,759 |
| Net charge-offs to loans | 0.7500% | 1,361 |
| Credit loss provision to net charge-offs | 32.4675% | 3,583 |
| Earnings coverage of net charge-offs (x) | -1.0909% | 4,558 |
| Efficiency ratio | 113.5135% | 293 |
| Assets per employee ($millions) | 4.0837% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2531% | 140 |
| Loan loss allowance to noncurrent loans | 25.3155% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 13.3379% | 156 |
| Noncurrent loans to loans | 20.7504% | 41 |
| Net loans and leases to total assets | 53.2513% | 4,845 |
| Net loans and leases to deposits | 60.5283% | 5,092 |
| Net loans and leases to core deposits | 76.5416% | 3,550 |
| Total domestic deposits to total assets | 87.9774% | 2,334 |
| Equity capital to assets | 7.9696% | 6,542 |
| Core capital (leverage) ratio | 7.8837% | 6,346 |
| Tier 1 risk-based capital ratio | 11.7142% | 6,149 |
| Total risk-based capital ratio | 13.0043% | 6,103 |
| Memoranda: | ||
| Average total assets | $358,899,000 | 1,843 |
| Average earning assets | $322,713,000 | 1,869 |
| Average equity | $28,737,000 | 2,341 |
| Average total loans | $205,346,000 | 1,977 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 5,080 |
| Cost of funding earning assets | 1.3645% | 1,185 |
| Net interest margin | 3.1337% | 6,264 |
| Noninterest income to average assets | 0.8422% | 1,874 |
| Noninterest expense to average assets | 4.0529% | 958 |
| Loan and lease loss provision to assets | 0.8107% | 1,206 |
| Net operating income to assets | -1.2109% | 6,827 |
| Return on assets (ROA) | -0.9449% | 6,743 |
| Pretax return on assets | -0.9027% | 6,692 |
| Return on Equity (ROE) | -11.6340% | 6,783 |
| Retained earnings to average equity (ytd only) | -11.6340% | 6,752 |
| Net charge-offs to loans | 1.2228% | 1,370 |
| Credit loss provision to net charge-offs | 108.8087% | 3,095 |
| Earnings coverage of net charge-offs (x) | -0.4805% | 6,075 |
| Efficiency ratio | 109.6892% | 440 |
| Assets per employee ($millions) | 4.1199% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2081% | 158 |
| Loan loss allowance to noncurrent loans | 24.5772% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 13.8283% | 159 |
| Noncurrent loans to loans | 21.1906% | 40 |
| Net loans and leases to total assets | 55.1974% | 4,854 |
| Net loans and leases to deposits | 66.1028% | 4,715 |
| Net loans and leases to core deposits | 85.5032% | 2,702 |
| Total domestic deposits to total assets | 83.5023% | 4,538 |
| Equity capital to assets | 8.0445% | 6,542 |
| Core capital (leverage) ratio | 7.9431% | 6,317 |
| Tier 1 risk-based capital ratio | 11.3902% | 6,227 |
| Total risk-based capital ratio | 12.6792% | 6,193 |
| Memoranda: | ||
| Average total assets | $371,786,400 | 1,756 |
| Average earning assets | $338,447,600 | 1,754 |
| Average equity | $30,196,000 | 2,180 |
| Average total loans | $226,531,800 | 1,831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 5,203 |
| Cost of funding earning assets | 1.3766% | 1,331 |
| Net interest margin | 3.1433% | 6,307 |
| Noninterest income to average assets | 0.7020% | 2,597 |
| Noninterest expense to average assets | 4.0448% | 957 |
| Loan and lease loss provision to assets | 0.8935% | 1,010 |
| Net operating income to assets | -1.3833% | 7,012 |
| Return on assets (ROA) | -1.3833% | 7,030 |
| Pretax return on assets | -1.3414% | 6,979 |
| Return on Equity (ROE) | -16.9934% | 7,050 |
| Retained earnings to average equity (ytd only) | -16.9934% | 7,029 |
| Net charge-offs to loans | 1.4644% | 1,002 |
| Credit loss provision to net charge-offs | 99.0934% | 3,444 |
| Earnings coverage of net charge-offs (x) | -0.4967% | 5,832 |
| Efficiency ratio | 112.4506% | 387 |
| Assets per employee ($millions) | 3.8366% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8525% | 208 |
| Loan loss allowance to noncurrent loans | 24.7018% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 13.7691% | 167 |
| Noncurrent loans to loans | 19.6445% | 59 |
| Net loans and leases to total assets | 59.5483% | 4,220 |
| Net loans and leases to deposits | 68.2769% | 4,557 |
| Net loans and leases to core deposits | 89.7595% | 2,284 |
| Total domestic deposits to total assets | 87.2159% | 2,523 |
| Equity capital to assets | 8.5822% | 6,219 |
| Core capital (leverage) ratio | 7.8080% | 6,556 |
| Tier 1 risk-based capital ratio | 10.8858% | 6,611 |
| Total risk-based capital ratio | 12.1717% | 6,567 |
| Memoranda: | ||
| Average total assets | $375,125,000 | 1,736 |
| Average earning assets | $345,485,500 | 1,728 |
| Average equity | $30,536,500 | 2,165 |
| Average total loans | $230,986,000 | 1,820 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5484% | 5,176 |
| Cost of funding earning assets | 1.3737% | 1,534 |
| Net interest margin | 3.1748% | 6,229 |
| Noninterest income to average assets | 0.6801% | 2,653 |
| Noninterest expense to average assets | 3.8657% | 1,252 |
| Loan and lease loss provision to assets | 1.0495% | 802 |
| Net operating income to assets | -1.3507% | 7,054 |
| Return on assets (ROA) | -1.3507% | 7,060 |
| Pretax return on assets | -1.3132% | 6,998 |
| Return on Equity (ROE) | -16.8708% | 7,104 |
| Retained earnings to average equity (ytd only) | -16.8708% | 7,084 |
| Net charge-offs to loans | 1.4842% | 1,002 |
| Credit loss provision to net charge-offs | 115.4155% | 2,651 |
| Earnings coverage of net charge-offs (x) | -0.2900% | 5,449 |
| Efficiency ratio | 107.3206% | 527 |
| Assets per employee ($millions) | 4.1575% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8376% | 208 |
| Loan loss allowance to noncurrent loans | 25.7961% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 13.0054% | 211 |
| Noncurrent loans to loans | 18.7534% | 79 |
| Net loans and leases to total assets | 58.5799% | 4,531 |
| Net loans and leases to deposits | 66.8964% | 4,871 |
| Net loans and leases to core deposits | 89.2757% | 2,465 |
| Total domestic deposits to total assets | 87.5681% | 2,430 |
| Equity capital to assets | 8.2986% | 6,428 |
| Core capital (leverage) ratio | 7.4580% | 6,772 |
| Tier 1 risk-based capital ratio | 11.1224% | 6,432 |
| Total risk-based capital ratio | 12.4085% | 6,405 |
| Memoranda: | ||
| Average total assets | $383,790,000 | 1,706 |
| Average earning assets | $353,219,330 | 1,694 |
| Average equity | $30,727,670 | 2,138 |
| Average total loans | $235,146,670 | 1,820 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 5,501 |
| Cost of funding earning assets | 1.3674% | 1,789 |
| Net interest margin | 3.0866% | 6,380 |
| Noninterest income to average assets | 0.6732% | 2,711 |
| Noninterest expense to average assets | 3.8029% | 1,335 |
| Loan and lease loss provision to assets | 1.2221% | 574 |
| Net operating income to assets | -1.5429% | 7,213 |
| Return on assets (ROA) | -1.5429% | 7,215 |
| Pretax return on assets | -1.5103% | 7,165 |
| Return on Equity (ROE) | -19.6047% | 7,217 |
| Retained earnings to average equity (ytd only) | -19.6047% | 7,150 |
| Net charge-offs to loans | 1.6592% | 805 |
| Credit loss provision to net charge-offs | 120.4819% | 2,268 |
| Earnings coverage of net charge-offs (x) | -0.2841% | 4,725 |
| Efficiency ratio | 108.2005% | 536 |
| Assets per employee ($millions) | 4.5296% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6032% | 265 |
| Loan loss allowance to noncurrent loans | 23.9326% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 12.6381% | 232 |
| Noncurrent loans to loans | 19.2339% | 74 |
| Net loans and leases to total assets | 56.3072% | 4,946 |
| Net loans and leases to deposits | 63.7652% | 5,283 |
| Net loans and leases to core deposits | 85.0066% | 3,032 |
| Total domestic deposits to total assets | 88.3039% | 2,192 |
| Equity capital to assets | 7.5323% | 6,854 |
| Core capital (leverage) ratio | 7.6548% | 6,596 |
| Tier 1 risk-based capital ratio | 10.8468% | 6,611 |
| Total risk-based capital ratio | 12.1295% | 6,564 |
| Memoranda: | ||
| Average total assets | $392,757,000 | 1,681 |
| Average earning assets | $361,561,500 | 1,662 |
| Average equity | $30,911,000 | 2,119 |
| Average total loans | $240,113,500 | 1,796 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 5,203 |
| Cost of funding earning assets | 1.7511% | 1,373 |
| Net interest margin | 3.1072% | 6,506 |
| Noninterest income to average assets | 0.5429% | 3,866 |
| Noninterest expense to average assets | 3.5757% | 1,986 |
| Loan and lease loss provision to assets | 2.1136% | 605 |
| Net operating income to assets | -2.2640% | 7,131 |
| Return on assets (ROA) | -1.8006% | 7,018 |
| Pretax return on assets | -1.8002% | 6,961 |
| Return on Equity (ROE) | -23.3705% | 7,097 |
| Retained earnings to average equity (ytd only) | -23.3705% | 7,075 |
| Net charge-offs to loans | 2.8781% | 596 |
| Credit loss provision to net charge-offs | 126.3046% | 3,209 |
| Earnings coverage of net charge-offs (x) | -0.0896% | 6,212 |
| Efficiency ratio | 100.6958% | 755 |
| Assets per employee ($millions) | 4.4990% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3379% | 300 |
| Loan loss allowance to noncurrent loans | 27.7789% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 11.1788% | 334 |
| Noncurrent loans to loans | 15.6159% | 143 |
| Net loans and leases to total assets | 60.5641% | 4,571 |
| Net loans and leases to deposits | 69.2085% | 4,925 |
| Net loans and leases to core deposits | 94.9358% | 2,137 |
| Total domestic deposits to total assets | 87.5095% | 2,542 |
| Equity capital to assets | 8.2184% | 6,239 |
| Core capital (leverage) ratio | 7.4490% | 6,746 |
| Tier 1 risk-based capital ratio | 11.2086% | 6,173 |
| Total risk-based capital ratio | 12.4898% | 6,127 |
| Memoranda: | ||
| Average total assets | $448,895,800 | 1,483 |
| Average earning assets | $416,479,200 | 1,455 |
| Average equity | $34,586,400 | 1,913 |
| Average total loans | $261,003,800 | 1,696 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 5,537 |
| Cost of funding earning assets | 1.7476% | 1,636 |
| Net interest margin | 3.0852% | 6,651 |
| Noninterest income to average assets | 0.5271% | 3,969 |
| Noninterest expense to average assets | 3.2644% | 2,692 |
| Loan and lease loss provision to assets | 1.4975% | 889 |
| Net operating income to assets | -1.2922% | 7,027 |
| Return on assets (ROA) | -1.1105% | 6,984 |
| Pretax return on assets | -1.1737% | 6,933 |
| Return on Equity (ROE) | -14.6165% | 7,093 |
| Retained earnings to average equity (ytd only) | -14.6165% | 7,065 |
| Net charge-offs to loans | 2.3203% | 761 |
| Credit loss provision to net charge-offs | 113.0963% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.1002% | 5,922 |
| Efficiency ratio | 91.3117% | 1,185 |
| Assets per employee ($millions) | 4.8157% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6620% | 481 |
| Loan loss allowance to noncurrent loans | 28.5635% | 6,416 |
| Noncurrent assets plus other real estate owned to assets | 8.4754% | 569 |
| Noncurrent loans to loans | 12.8206% | 237 |
| Net loans and leases to total assets | 54.3583% | 5,794 |
| Net loans and leases to deposits | 66.7250% | 5,579 |
| Net loans and leases to core deposits | 89.1745% | 3,218 |
| Total domestic deposits to total assets | 81.4661% | 5,211 |
| Equity capital to assets | 7.3619% | 7,203 |
| Core capital (leverage) ratio | 6.9901% | 7,172 |
| Tier 1 risk-based capital ratio | 10.2864% | 6,902 |
| Total risk-based capital ratio | 13.2192% | 5,455 |
| Memoranda: | ||
| Average total assets | $464,392,000 | 1,457 |
| Average earning assets | $431,982,000 | 1,424 |
| Average equity | $35,283,500 | 1,897 |
| Average total loans | $265,016,000 | 1,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9416% | 5,219 |
| Cost of funding earning assets | 1.7615% | 1,813 |
| Net interest margin | 3.1801% | 6,380 |
| Noninterest income to average assets | 0.5469% | 3,739 |
| Noninterest expense to average assets | 3.0594% | 3,475 |
| Loan and lease loss provision to assets | 1.0177% | 1,432 |
| Net operating income to assets | -0.3539% | 6,527 |
| Return on assets (ROA) | -0.2098% | 6,414 |
| Pretax return on assets | -0.3482% | 6,469 |
| Return on Equity (ROE) | -2.7348% | 6,494 |
| Retained earnings to average equity (ytd only) | -2.7348% | 6,260 |
| Net charge-offs to loans | 2.3090% | 769 |
| Credit loss provision to net charge-offs | 76.9553% | 4,789 |
| Earnings coverage of net charge-offs (x) | 0.3360% | 5,391 |
| Efficiency ratio | 86.4067% | 1,662 |
| Assets per employee ($millions) | 4.8123% | 2,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0169% | 808 |
| Loan loss allowance to noncurrent loans | 24.5756% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 8.2673% | 579 |
| Noncurrent loans to loans | 12.2759% | 270 |
| Net loans and leases to total assets | 55.7893% | 5,733 |
| Net loans and leases to deposits | 68.7569% | 5,450 |
| Net loans and leases to core deposits | 93.7881% | 2,748 |
| Total domestic deposits to total assets | 81.1399% | 5,357 |
| Equity capital to assets | 8.0189% | 6,741 |
| Core capital (leverage) ratio | 7.2512% | 7,033 |
| Tier 1 risk-based capital ratio | 10.8391% | 6,413 |
| Total risk-based capital ratio | 13.7059% | 4,878 |
| Memoranda: | ||
| Average total assets | $469,902,670 | 1,454 |
| Average earning assets | $436,903,330 | 1,421 |
| Average equity | $36,054,330 | 1,854 |
| Average total loans | $269,120,330 | 1,692 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 5,066 |
| Cost of funding earning assets | 1.7899% | 1,918 |
| Net interest margin | 3.1993% | 6,298 |
| Noninterest income to average assets | 0.5593% | 3,572 |
| Noninterest expense to average assets | 2.9588% | 3,821 |
| Loan and lease loss provision to assets | 1.1599% | 1,054 |
| Net operating income to assets | -0.5980% | 6,896 |
| Return on assets (ROA) | -0.5971% | 6,928 |
| Pretax return on assets | -0.5845% | 6,840 |
| Return on Equity (ROE) | -7.9549% | 7,052 |
| Retained earnings to average equity (ytd only) | -7.9549% | 6,825 |
| Net charge-offs to loans | 2.9847% | 517 |
| Credit loss provision to net charge-offs | 67.9961% | 4,149 |
| Earnings coverage of net charge-offs (x) | 0.3368% | 4,739 |
| Efficiency ratio | 82.6480% | 2,185 |
| Assets per employee ($millions) | 4.9135% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9857% | 832 |
| Loan loss allowance to noncurrent loans | 36.7343% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 5.7482% | 1,060 |
| Noncurrent loans to loans | 8.1279% | 654 |
| Net loans and leases to total assets | 53.4383% | 6,098 |
| Net loans and leases to deposits | 64.9689% | 5,945 |
| Net loans and leases to core deposits | 89.4058% | 3,445 |
| Total domestic deposits to total assets | 82.2521% | 4,956 |
| Equity capital to assets | 7.3934% | 7,147 |
| Core capital (leverage) ratio | 6.9972% | 7,253 |
| Tier 1 risk-based capital ratio | 10.2802% | 6,818 |
| Total risk-based capital ratio | 13.0753% | 5,315 |
| Memoranda: | ||
| Average total assets | $476,268,000 | 1,470 |
| Average earning assets | $442,715,000 | 1,434 |
| Average equity | $35,751,500 | 1,883 |
| Average total loans | $272,187,000 | 1,725 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 5,539 |
| Cost of funding earning assets | 2.0360% | 2,793 |
| Net interest margin | 3.1875% | 6,140 |
| Noninterest income to average assets | 0.5395% | 4,112 |
| Noninterest expense to average assets | 2.6298% | 5,674 |
| Loan and lease loss provision to assets | 1.6377% | 1,397 |
| Net operating income to assets | -1.1093% | 6,649 |
| Return on assets (ROA) | -1.5783% | 6,898 |
| Pretax return on assets | -1.2164% | 6,549 |
| Return on Equity (ROE) | -21.4960% | 7,189 |
| Retained earnings to average equity (ytd only) | -23.3866% | 7,216 |
| Net charge-offs to loans | 1.1699% | 2,090 |
| Credit loss provision to net charge-offs | 249.0015% | 1,426 |
| Earnings coverage of net charge-offs (x) | 1.3536% | 4,777 |
| Efficiency ratio | 73.5951% | 3,975 |
| Assets per employee ($millions) | 4.4818% | 2,962 |
| Cash dividends to net income (ytd only)* | -8.7953% | 7,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1292% | 692 |
| Loan loss allowance to noncurrent loans | 48.3510% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 5.1555% | 1,168 |
| Noncurrent loans to loans | 6.4718% | 928 |
| Net loans and leases to total assets | 57.4514% | 5,747 |
| Net loans and leases to deposits | 70.4180% | 5,553 |
| Net loans and leases to core deposits | 108.4704% | 3,053 |
| Total domestic deposits to total assets | 81.5862% | 5,115 |
| Equity capital to assets | 7.6247% | 6,925 |
| Core capital (leverage) ratio | 7.0751% | 7,174 |
| Tier 1 risk-based capital ratio | 10.6170% | 6,284 |
| Total risk-based capital ratio | 13.4350% | 4,745 |
| Memoranda: | ||
| Average total assets | $494,895,200 | 1,396 |
| Average earning assets | $462,770,200 | 1,360 |
| Average equity | $36,337,000 | 1,855 |
| Average total loans | $278,235,800 | 1,733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 5,934 |
| Cost of funding earning assets | 2.0733% | 3,018 |
| Net interest margin | 3.1125% | 6,278 |
| Noninterest income to average assets | 0.6373% | 3,444 |
| Noninterest expense to average assets | 2.7216% | 5,241 |
| Loan and lease loss provision to assets | 0.6933% | 2,656 |
| Net operating income to assets | 0.1695% | 5,253 |
| Return on assets (ROA) | -0.2183% | 6,105 |
| Pretax return on assets | -0.4687% | 6,261 |
| Return on Equity (ROE) | -2.9997% | 6,242 |
| Retained earnings to average equity (ytd only) | -5.5067% | 6,317 |
| Net charge-offs to loans | 0.1966% | 4,836 |
| Credit loss provision to net charge-offs | 635.2798% | 592 |
| Earnings coverage of net charge-offs (x) | 7.6106% | 2,381 |
| Efficiency ratio | 75.5102% | 3,585 |
| Assets per employee ($millions) | 4.7398% | 2,491 |
| Cash dividends to net income (ytd only)* | -83.5771% | 7,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 1,594 |
| Loan loss allowance to noncurrent loans | 33.4467% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 4.1869% | 1,500 |
| Noncurrent loans to loans | 6.2872% | 928 |
| Net loans and leases to total assets | 57.2165% | 6,003 |
| Net loans and leases to deposits | 70.7591% | 5,818 |
| Net loans and leases to core deposits | 102.5915% | 4,096 |
| Total domestic deposits to total assets | 80.8609% | 5,133 |
| Equity capital to assets | 8.6517% | 6,031 |
| Core capital (leverage) ratio | 8.1141% | 6,164 |
| Tier 1 risk-based capital ratio | 11.4876% | 5,438 |
| Total risk-based capital ratio | 14.1878% | 4,164 |
| Memoranda: | ||
| Average total assets | $502,093,500 | 1,387 |
| Average earning assets | $470,221,750 | 1,360 |
| Average equity | $36,536,500 | 1,861 |
| Average total loans | $278,686,750 | 1,749 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 6,475 |
| Cost of funding earning assets | 2.0793% | 3,372 |
| Net interest margin | 3.0110% | 6,522 |
| Noninterest income to average assets | 0.6556% | 3,302 |
| Noninterest expense to average assets | 2.6638% | 5,499 |
| Loan and lease loss provision to assets | 0.3698% | 3,704 |
| Net operating income to assets | 0.3410% | 4,719 |
| Return on assets (ROA) | -0.1231% | 6,087 |
| Pretax return on assets | -0.0182% | 5,888 |
| Return on Equity (ROE) | -1.8016% | 6,194 |
| Retained earnings to average equity (ytd only) | -5.7685% | 6,413 |
| Net charge-offs to loans | 0.1714% | 4,511 |
| Credit loss provision to net charge-offs | 395.3586% | 1,178 |
| Earnings coverage of net charge-offs (x) | 8.7215% | 2,224 |
| Efficiency ratio | 75.3970% | 3,812 |
| Assets per employee ($millions) | 4.5957% | 2,614 |
| Cash dividends to net income (ytd only)* | -220.1923% | 8,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 2,695 |
| Loan loss allowance to noncurrent loans | 36.3607% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 2.9761% | 2,139 |
| Noncurrent loans to loans | 4.4274% | 1,466 |
| Net loans and leases to total assets | 56.9953% | 6,088 |
| Net loans and leases to deposits | 70.9852% | 5,870 |
| Net loans and leases to core deposits | 97.7662% | 4,725 |
| Total domestic deposits to total assets | 80.2919% | 5,356 |
| Equity capital to assets | 8.2451% | 6,422 |
| Core capital (leverage) ratio | 7.8117% | 6,600 |
| Tier 1 risk-based capital ratio | 11.7361% | 5,157 |
| Total risk-based capital ratio | 14.4315% | 3,934 |
| Memoranda: | ||
| Average total assets | $506,726,330 | 1,401 |
| Average earning assets | $475,262,000 | 1,363 |
| Average equity | $34,636,330 | 1,957 |
| Average total loans | $276,473,000 | 1,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 7,025 |
| Cost of funding earning assets | 2.0544% | 3,847 |
| Net interest margin | 2.9104% | 6,720 |
| Noninterest income to average assets | 0.6669% | 3,097 |
| Noninterest expense to average assets | 2.3839% | 6,253 |
| Loan and lease loss provision to assets | 0.3863% | 3,007 |
| Net operating income to assets | 0.4885% | 4,474 |
| Return on assets (ROA) | 0.4102% | 4,997 |
| Pretax return on assets | 0.5343% | 4,963 |
| Return on Equity (ROE) | 6.6373% | 3,755 |
| Retained earnings to average equity (ytd only) | 1.3350% | 5,102 |
| Net charge-offs to loans | 0.1469% | 3,794 |
| Credit loss provision to net charge-offs | 496.0396% | 1,099 |
| Earnings coverage of net charge-offs (x) | 13.1287% | 1,751 |
| Efficiency ratio | 68.7868% | 4,821 |
| Assets per employee ($millions) | 5.4877% | 1,576 |
| Cash dividends to net income (ytd only)* | 79.8872% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5123% | 2,908 |
| Loan loss allowance to noncurrent loans | 49.0368% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 1.9419% | 2,992 |
| Noncurrent loans to loans | 3.0841% | 2,099 |
| Net loans and leases to total assets | 50.3451% | 6,830 |
| Net loans and leases to deposits | 59.9221% | 6,904 |
| Net loans and leases to core deposits | 77.5124% | 6,570 |
| Total domestic deposits to total assets | 84.0176% | 3,692 |
| Equity capital to assets | 5.8440% | 8,025 |
| Core capital (leverage) ratio | 6.0210% | 8,002 |
| Tier 1 risk-based capital ratio | 9.4540% | 7,464 |
| Total risk-based capital ratio | 12.1512% | 5,901 |
| Memoranda: | ||
| Average total assets | $518,813,500 | 1,368 |
| Average earning assets | $488,317,000 | 1,331 |
| Average equity | $32,061,000 | 2,114 |
| Average total loans | $274,943,500 | 1,798 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9881% | 5,605 |
| Cost of funding earning assets | 2.6261% | 3,551 |
| Net interest margin | 3.3620% | 5,810 |
| Noninterest income to average assets | 0.6418% | 3,536 |
| Noninterest expense to average assets | 2.6449% | 5,469 |
| Loan and lease loss provision to assets | 0.3417% | 3,655 |
| Net operating income to assets | 0.8017% | 3,429 |
| Return on assets (ROA) | 0.2133% | 5,627 |
| Pretax return on assets | 0.1980% | 5,738 |
| Return on Equity (ROE) | 3.3474% | 5,099 |
| Retained earnings to average equity (ytd only) | 0.4057% | 5,000 |
| Net charge-offs to loans | 0.3103% | 3,320 |
| Credit loss provision to net charge-offs | 201.7812% | 2,407 |
| Earnings coverage of net charge-offs (x) | 6.6616% | 3,306 |
| Efficiency ratio | 68.8842% | 4,558 |
| Assets per employee ($millions) | 4.8466% | 2,120 |
| Cash dividends to net income (ytd only)* | 87.8788% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 3,220 |
| Loan loss allowance to noncurrent loans | 44.1347% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 2,390 |
| Noncurrent loans to loans | 3.1634% | 1,672 |
| Net loans and leases to total assets | 54.2882% | 6,625 |
| Net loans and leases to deposits | 65.9152% | 6,652 |
| Net loans and leases to core deposits | 86.8937% | 6,066 |
| Total domestic deposits to total assets | 82.3606% | 4,056 |
| Equity capital to assets | 6.5486% | 7,922 |
| Core capital (leverage) ratio | 6.6052% | 7,899 |
| Tier 1 risk-based capital ratio | 9.9806% | 6,755 |
| Total risk-based capital ratio | 12.7348% | 5,146 |
| Memoranda: | ||
| Average total assets | $464,133,400 | 1,482 |
| Average earning assets | $432,275,000 | 1,447 |
| Average equity | $29,575,400 | 2,285 |
| Average total loans | $253,332,200 | 1,884 |