Home > Civic Bank & Trust > Performance and Condition Ratios
Civic Bank & Trust, Performance and Condition Ratios
| 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 | 4.9805% | 727 |
| Cost of funding earning assets | 1.1556% | 169 |
| Net interest margin | 3.8250% | 2,319 |
| Noninterest income to average assets | 0.0642% | 5,441 |
| Noninterest expense to average assets | 3.8877% | 599 |
| Loan and lease loss provision to assets | 0.1235% | 1,524 |
| Net operating income to assets | -0.4397% | 5,487 |
| Return on assets (ROA) | -0.4397% | 5,485 |
| Pretax return on assets | -0.4397% | 5,489 |
| Return on Equity (ROE) | -3.0042% | 5,466 |
| Retained earnings to average equity (ytd only) | -3.0042% | 5,082 |
| Net charge-offs to loans | 0.5153% | 295 |
| Credit loss provision to net charge-offs | 35.9712% | 2,037 |
| Earnings coverage of net charge-offs (x) | -0.9209% | 2,672 |
| Efficiency ratio | 108.8520% | 109 |
| Assets per employee ($millions) | 9.9825% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 1,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 59.7677% | 3,771 |
| Net loans and leases to deposits | 77.5368% | 3,060 |
| Net loans and leases to core deposits | 103.1086% | 1,444 |
| Total domestic deposits to total assets | 77.0830% | 4,848 |
| Equity capital to assets | 14.7158% | 731 |
| Core capital (leverage) ratio | 14.6824% | 717 |
| Tier 1 risk-based capital ratio | 19.6703% | 1,400 |
| Total risk-based capital ratio | 20.8642% | 1,385 |
| Memoranda: | ||
| Average total assets | $161,946,500 | 3,330 |
| Average earning assets | $148,498,500 | 3,356 |
| Average equity | $23,700,500 | 2,801 |
| Average total loans | $107,896,500 | 3,232 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 1,293 |
| Cost of funding earning assets | 0.9831% | 239 |
| Net interest margin | 3.6719% | 2,908 |
| Noninterest income to average assets | 0.0698% | 5,488 |
| Noninterest expense to average assets | 2.2928% | 4,349 |
| Loan and lease loss provision to assets | 0.0269% | 3,755 |
| Net operating income to assets | 1.4350% | 934 |
| Return on assets (ROA) | 1.4350% | 953 |
| Pretax return on assets | 1.1658% | 2,918 |
| Return on Equity (ROE) | 10.3190% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.3190% | 312 |
| Net charge-offs to loans | -0.0093% | 4,770 |
| Credit loss provision to net charge-offs | -409.0909% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7818% | 3,308 |
| Assets per employee ($millions) | 10.2608% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 71.4850% | 2,297 |
| Net loans and leases to deposits | 94.4980% | 1,220 |
| Net loans and leases to core deposits | 129.0567% | 363 |
| Total domestic deposits to total assets | 75.6470% | 5,020 |
| Equity capital to assets | 14.5560% | 766 |
| Core capital (leverage) ratio | 14.3415% | 763 |
| Tier 1 risk-based capital ratio | 17.5215% | 1,938 |
| Total risk-based capital ratio | 18.6432% | 1,926 |
| Memoranda: | ||
| Average total assets | $167,523,800 | 3,270 |
| Average earning assets | $155,830,800 | 3,244 |
| Average equity | $23,296,800 | 2,824 |
| Average total loans | $118,686,400 | 3,074 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,280 |
| Cost of funding earning assets | 0.9439% | 266 |
| Net interest margin | 3.6936% | 2,780 |
| Noninterest income to average assets | 0.0697% | 5,559 |
| Noninterest expense to average assets | 2.3013% | 4,293 |
| Loan and lease loss provision to assets | 0.0356% | 3,401 |
| Net operating income to assets | 1.8262% | 448 |
| Return on assets (ROA) | 1.8262% | 457 |
| Pretax return on assets | 1.1570% | 3,085 |
| Return on Equity (ROE) | 13.2830% | 989 |
| Retained earnings to average equity (ytd only) | 13.2830% | 199 |
| Net charge-offs to loans | -0.0090% | 4,605 |
| Credit loss provision to net charge-offs | -562.5000% | 4,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8658% | 3,234 |
| Assets per employee ($millions) | 9.8324% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,237 |
| 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 | 68.0473% | 2,837 |
| Net loans and leases to deposits | 91.0387% | 1,686 |
| Net loans and leases to core deposits | 123.2243% | 482 |
| Total domestic deposits to total assets | 74.7454% | 5,158 |
| Equity capital to assets | 14.3560% | 894 |
| Core capital (leverage) ratio | 14.2177% | 833 |
| Tier 1 risk-based capital ratio | 17.6965% | 1,947 |
| Total risk-based capital ratio | 18.8330% | 1,923 |
| Memoranda: | ||
| Average total assets | $168,361,500 | 3,292 |
| Average earning assets | $156,087,500 | 3,274 |
| Average equity | $23,146,750 | 2,863 |
| Average total loans | $118,635,500 | 3,101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,089 |
| Cost of funding earning assets | 0.9377% | 243 |
| Net interest margin | 3.7455% | 2,488 |
| Noninterest income to average assets | 0.0687% | 5,602 |
| Noninterest expense to average assets | 2.3239% | 4,281 |
| Loan and lease loss provision to assets | 0.0533% | 2,911 |
| Net operating income to assets | 2.3702% | 156 |
| Return on assets (ROA) | 2.3702% | 155 |
| Pretax return on assets | 1.1566% | 2,950 |
| Return on Equity (ROE) | 17.4950% | 369 |
| Retained earnings to average equity (ytd only) | 17.4950% | 83 |
| Net charge-offs to loans | -0.0100% | 4,536 |
| Credit loss provision to net charge-offs | -750.0000% | 4,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7612% | 3,390 |
| Assets per employee ($millions) | 9.7047% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 2,298 |
| 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 | 68.9047% | 2,681 |
| Net loans and leases to deposits | 96.0727% | 1,074 |
| Net loans and leases to core deposits | 126.2455% | 390 |
| Total domestic deposits to total assets | 71.7214% | 5,470 |
| Equity capital to assets | 14.3884% | 856 |
| Core capital (leverage) ratio | 13.7792% | 917 |
| Tier 1 risk-based capital ratio | 19.2358% | 1,537 |
| Total risk-based capital ratio | 20.4857% | 1,484 |
| Memoranda: | ||
| Average total assets | $168,765,330 | 3,300 |
| Average earning assets | $156,132,670 | 3,291 |
| Average equity | $22,863,670 | 2,892 |
| Average total loans | $119,757,670 | 3,098 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,215 |
| Cost of funding earning assets | 0.9162% | 253 |
| Net interest margin | 3.6522% | 2,688 |
| Noninterest income to average assets | 0.0703% | 5,675 |
| Noninterest expense to average assets | 2.3814% | 4,175 |
| Loan and lease loss provision to assets | 0.1055% | 1,811 |
| Net operating income to assets | 3.8580% | 60 |
| Return on assets (ROA) | 3.8580% | 60 |
| Pretax return on assets | 0.9563% | 3,559 |
| Return on Equity (ROE) | 29.3581% | 52 |
| Retained earnings to average equity (ytd only) | 29.3581% | 33 |
| Net charge-offs to loans | -0.0131% | 4,528 |
| Credit loss provision to net charge-offs | -1,125.0000% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1627% | 3,011 |
| Assets per employee ($millions) | 10.2421% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,822 |
| Loan loss allowance to noncurrent loans | 262.1343% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 2,213 |
| Noncurrent loans to loans | 0.4768% | 3,380 |
| Net loans and leases to total assets | 69.1147% | 2,515 |
| Net loans and leases to deposits | 94.5133% | 1,064 |
| Net loans and leases to core deposits | 125.2409% | 337 |
| Total domestic deposits to total assets | 73.1270% | 5,477 |
| Equity capital to assets | 13.3607% | 1,123 |
| Core capital (leverage) ratio | 13.5814% | 950 |
| Tier 1 risk-based capital ratio | 17.8727% | 1,918 |
| Total risk-based capital ratio | 19.0519% | 1,890 |
| Memoranda: | ||
| Average total assets | $170,657,500 | 3,305 |
| Average earning assets | $157,603,000 | 3,302 |
| Average equity | $22,426,500 | 2,949 |
| Average total loans | $122,034,000 | 3,084 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5172% | 1,491 |
| Cost of funding earning assets | 0.8690% | 349 |
| Net interest margin | 3.6482% | 2,894 |
| Noninterest income to average assets | 0.0945% | 5,658 |
| Noninterest expense to average assets | 2.9390% | 2,532 |
| Loan and lease loss provision to assets | 0.0874% | 2,618 |
| Net operating income to assets | 0.4665% | 4,750 |
| Return on assets (ROA) | 0.4821% | 4,776 |
| Pretax return on assets | 0.4821% | 5,063 |
| Return on Equity (ROE) | 3.4659% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.4659% | 3,462 |
| Net charge-offs to loans | -0.0086% | 4,906 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1423% | 997 |
| Assets per employee ($millions) | 9.8353% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 3,086 |
| Loan loss allowance to noncurrent loans | 250.6803% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 2,168 |
| Noncurrent loans to loans | 0.4812% | 3,429 |
| Net loans and leases to total assets | 72.2081% | 2,141 |
| Net loans and leases to deposits | 98.9736% | 743 |
| Net loans and leases to core deposits | 129.9801% | 285 |
| Total domestic deposits to total assets | 72.9569% | 5,500 |
| Equity capital to assets | 12.9127% | 1,289 |
| Core capital (leverage) ratio | 13.9412% | 834 |
| Tier 1 risk-based capital ratio | 16.7600% | 2,246 |
| Total risk-based capital ratio | 17.9143% | 2,229 |
| Memoranda: | ||
| Average total assets | $154,540,000 | 3,451 |
| Average earning assets | $143,962,400 | 3,447 |
| Average equity | $21,495,200 | 3,024 |
| Average total loans | $105,087,000 | 3,294 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,684 |
| Cost of funding earning assets | 0.8532% | 373 |
| Net interest margin | 3.6009% | 3,070 |
| Noninterest income to average assets | 0.1013% | 5,706 |
| Noninterest expense to average assets | 2.8520% | 2,820 |
| Loan and lease loss provision to assets | 0.0793% | 2,631 |
| Net operating income to assets | 0.5232% | 4,603 |
| Return on assets (ROA) | 0.5338% | 4,663 |
| Pretax return on assets | 0.5338% | 5,053 |
| Return on Equity (ROE) | 3.7630% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.7630% | 3,627 |
| Net charge-offs to loans | -0.0066% | 4,671 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5599% | 1,122 |
| Assets per employee ($millions) | 8.2024% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,362 |
| Loan loss allowance to noncurrent loans | 239.2617% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 1.0741% | 1,909 |
| Noncurrent loans to loans | 0.4939% | 3,520 |
| Net loans and leases to total assets | 72.6940% | 2,064 |
| Net loans and leases to deposits | 100.5964% | 674 |
| Net loans and leases to core deposits | 131.8077% | 274 |
| Total domestic deposits to total assets | 72.2630% | 5,583 |
| Equity capital to assets | 13.4704% | 1,259 |
| Core capital (leverage) ratio | 14.1985% | 792 |
| Tier 1 risk-based capital ratio | 16.7047% | 2,332 |
| Total risk-based capital ratio | 17.8269% | 2,337 |
| Memoranda: | ||
| Average total assets | $151,375,000 | 3,513 |
| Average earning assets | $140,959,750 | 3,506 |
| Average equity | $21,471,500 | 3,047 |
| Average total loans | $100,807,250 | 3,379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,088 |
| Cost of funding earning assets | 0.8326% | 409 |
| Net interest margin | 3.4886% | 3,528 |
| Noninterest income to average assets | 0.0965% | 5,795 |
| Noninterest expense to average assets | 2.8950% | 2,691 |
| Loan and lease loss provision to assets | 0.0204% | 3,731 |
| Net operating income to assets | 0.4213% | 4,968 |
| Return on assets (ROA) | 0.4540% | 4,944 |
| Pretax return on assets | 0.4540% | 5,238 |
| Return on Equity (ROE) | 3.1417% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.1417% | 3,901 |
| Net charge-offs to loans | -0.0085% | 4,657 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7617% | 814 |
| Assets per employee ($millions) | 7.7308% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 3,043 |
| Loan loss allowance to noncurrent loans | 222.6073% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.1965% | 1,739 |
| Noncurrent loans to loans | 0.5640% | 3,373 |
| Net loans and leases to total assets | 68.6184% | 2,691 |
| Net loans and leases to deposits | 93.0013% | 1,390 |
| Net loans and leases to core deposits | 123.6207% | 418 |
| Total domestic deposits to total assets | 73.7821% | 5,539 |
| Equity capital to assets | 14.0813% | 997 |
| Core capital (leverage) ratio | 14.5767% | 702 |
| Tier 1 risk-based capital ratio | 18.2309% | 1,868 |
| Total risk-based capital ratio | 19.4063% | 1,857 |
| Memoranda: | ||
| Average total assets | $147,150,670 | 3,602 |
| Average earning assets | $136,674,000 | 3,586 |
| Average equity | $21,262,670 | 3,072 |
| Average total loans | $94,183,330 | 3,516 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,870 |
| Cost of funding earning assets | 0.8555% | 375 |
| Net interest margin | 3.5215% | 3,387 |
| Noninterest income to average assets | 0.0976% | 5,829 |
| Noninterest expense to average assets | 3.1070% | 2,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2510% | 5,436 |
| Return on assets (ROA) | 0.3180% | 5,333 |
| Pretax return on assets | 0.3180% | 5,481 |
| Return on Equity (ROE) | 2.1706% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.1706% | 4,392 |
| Net charge-offs to loans | -0.0091% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5249% | 517 |
| Assets per employee ($millions) | 7.0916% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 2,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,794 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.1038% | 3,508 |
| Net loans and leases to deposits | 85.3782% | 2,140 |
| Net loans and leases to core deposits | 118.8720% | 499 |
| Total domestic deposits to total assets | 72.7396% | 5,729 |
| Equity capital to assets | 15.0121% | 693 |
| Core capital (leverage) ratio | 14.5125% | 697 |
| Tier 1 risk-based capital ratio | 20.8702% | 1,337 |
| Total risk-based capital ratio | 22.1212% | 1,311 |
| Memoranda: | ||
| Average total assets | $143,418,000 | 3,678 |
| Average earning assets | $132,784,500 | 3,669 |
| Average equity | $21,008,000 | 3,102 |
| Average total loans | $87,553,000 | 3,663 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,836 |
| Cost of funding earning assets | 0.8470% | 376 |
| Net interest margin | 3.2757% | 4,389 |
| Noninterest income to average assets | 0.1074% | 5,854 |
| Noninterest expense to average assets | 3.5106% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3908% | 6,015 |
| Return on assets (ROA) | 0.0274% | 5,873 |
| Pretax return on assets | 0.0274% | 5,873 |
| Return on Equity (ROE) | 0.1857% | 5,875 |
| Retained earnings to average equity (ytd only) | 0.1857% | 5,433 |
| Net charge-offs to loans | -0.0040% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5281% | 119 |
| Assets per employee ($millions) | 6.9092% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5521% | 1,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 1,825 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 58.1427% | 4,069 |
| Net loans and leases to deposits | 80.6873% | 2,745 |
| Net loans and leases to core deposits | 112.8122% | 732 |
| Total domestic deposits to total assets | 72.0593% | 5,796 |
| Equity capital to assets | 14.2047% | 866 |
| Core capital (leverage) ratio | 14.2793% | 762 |
| Tier 1 risk-based capital ratio | 20.1607% | 1,450 |
| Total risk-based capital ratio | 21.4110% | 1,425 |
| Memoranda: | ||
| Average total assets | $142,510,800 | 3,686 |
| Average earning assets | $131,054,000 | 3,680 |
| Average equity | $21,004,000 | 3,070 |
| Average total loans | $74,553,200 | 3,983 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0461% | 3,141 |
| Cost of funding earning assets | 0.7835% | 546 |
| Net interest margin | 3.2627% | 4,481 |
| Noninterest income to average assets | 0.1081% | 5,926 |
| Noninterest expense to average assets | 3.4379% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3318% | 6,096 |
| Return on assets (ROA) | 0.2218% | 5,705 |
| Pretax return on assets | 0.2218% | 5,761 |
| Return on Equity (ROE) | 1.4911% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.4911% | 5,121 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6808% | 146 |
| Assets per employee ($millions) | 6.7170% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 1,591 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,930 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.8817% | 4,368 |
| Net loans and leases to deposits | 74.9095% | 3,432 |
| Net loans and leases to core deposits | 99.6788% | 1,545 |
| Total domestic deposits to total assets | 74.5989% | 5,651 |
| Equity capital to assets | 14.8677% | 774 |
| Core capital (leverage) ratio | 14.6197% | 712 |
| Tier 1 risk-based capital ratio | 22.5862% | 1,113 |
| Total risk-based capital ratio | 23.8384% | 1,091 |
| Memoranda: | ||
| Average total assets | $141,865,250 | 3,724 |
| Average earning assets | $130,360,000 | 3,722 |
| Average equity | $21,102,500 | 3,083 |
| Average total loans | $71,768,750 | 4,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9582% | 3,454 |
| Cost of funding earning assets | 0.7840% | 545 |
| Net interest margin | 3.1742% | 4,736 |
| Noninterest income to average assets | 0.1041% | 6,013 |
| Noninterest expense to average assets | 3.0774% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0619% | 6,031 |
| Return on assets (ROA) | -0.0619% | 6,061 |
| Pretax return on assets | -0.0619% | 6,052 |
| Return on Equity (ROE) | -0.4162% | 6,055 |
| Retained earnings to average equity (ytd only) | -0.4162% | 5,590 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0532% | 284 |
| Assets per employee ($millions) | 7.1481% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 1,240 |
| Loan loss allowance to noncurrent loans | 230.1560% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 1,269 |
| Noncurrent loans to loans | 0.8090% | 3,097 |
| Net loans and leases to total assets | 48.9606% | 5,016 |
| Net loans and leases to deposits | 63.0574% | 4,611 |
| Net loans and leases to core deposits | 81.5393% | 3,234 |
| Total domestic deposits to total assets | 77.6444% | 5,351 |
| Equity capital to assets | 14.4969% | 817 |
| Core capital (leverage) ratio | 13.8598% | 882 |
| Tier 1 risk-based capital ratio | 23.5287% | 1,001 |
| Total risk-based capital ratio | 24.7815% | 990 |
| Memoranda: | ||
| Average total assets | $142,134,670 | 3,751 |
| Average earning assets | $130,362,670 | 3,747 |
| Average equity | $21,146,000 | 3,097 |
| Average total loans | $68,974,000 | 4,190 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9787% | 3,306 |
| Cost of funding earning assets | 0.7671% | 599 |
| Net interest margin | 3.2116% | 4,566 |
| Noninterest income to average assets | 0.1044% | 6,062 |
| Noninterest expense to average assets | 2.8507% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2314% | 5,609 |
| Return on assets (ROA) | 0.2314% | 5,697 |
| Pretax return on assets | 0.2314% | 5,786 |
| Return on Equity (ROE) | 1.5358% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.5358% | 4,865 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4908% | 683 |
| Assets per employee ($millions) | 7.1783% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,176 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 1,892 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 46.4361% | 5,170 |
| Net loans and leases to deposits | 60.3279% | 4,719 |
| Net loans and leases to core deposits | 81.8028% | 2,980 |
| Total domestic deposits to total assets | 76.9728% | 5,613 |
| Equity capital to assets | 15.0259% | 711 |
| Core capital (leverage) ratio | 14.5534% | 678 |
| Tier 1 risk-based capital ratio | 24.3409% | 957 |
| Total risk-based capital ratio | 25.5942% | 936 |
| Memoranda: | ||
| Average total assets | $141,721,000 | 3,783 |
| Average earning assets | $131,400,000 | 3,756 |
| Average equity | $21,356,500 | 3,089 |
| Average total loans | $67,799,500 | 4,236 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 2,950 |
| Cost of funding earning assets | 0.8747% | 448 |
| Net interest margin | 3.3272% | 4,481 |
| Noninterest income to average assets | 0.1023% | 6,150 |
| Noninterest expense to average assets | 2.8661% | 3,252 |
| Loan and lease loss provision to assets | -1.0155% | 6,492 |
| Net operating income to assets | 1.3258% | 1,249 |
| Return on assets (ROA) | 1.3990% | 1,115 |
| Pretax return on assets | 1.3990% | 1,890 |
| Return on Equity (ROE) | 10.3330% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.3330% | 467 |
| Net charge-offs to loans | 0.9418% | 338 |
| Credit loss provision to net charge-offs | -226.2658% | 5,657 |
| Earnings coverage of net charge-offs (x) | 0.6915% | 4,587 |
| Efficiency ratio | 90.2303% | 830 |
| Assets per employee ($millions) | 6.9939% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 1,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4391% | 1,914 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 47.3823% | 5,209 |
| Net loans and leases to deposits | 61.8111% | 4,741 |
| Net loans and leases to core deposits | 79.0678% | 3,400 |
| Total domestic deposits to total assets | 76.6566% | 5,649 |
| Equity capital to assets | 15.1140% | 688 |
| Core capital (leverage) ratio | 14.5039% | 700 |
| Tier 1 risk-based capital ratio | 24.0592% | 948 |
| Total risk-based capital ratio | 25.2829% | 930 |
| Memoranda: | ||
| Average total assets | $140,818,800 | 3,786 |
| Average earning assets | $130,108,200 | 3,771 |
| Average equity | $19,065,200 | 3,281 |
| Average total loans | $67,108,400 | 4,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,795 |
| Cost of funding earning assets | 0.8995% | 420 |
| Net interest margin | 3.3545% | 4,414 |
| Noninterest income to average assets | 0.0964% | 6,259 |
| Noninterest expense to average assets | 2.8735% | 3,221 |
| Loan and lease loss provision to assets | -0.4348% | 6,518 |
| Net operating income to assets | 0.7562% | 3,639 |
| Return on assets (ROA) | 0.8536% | 3,254 |
| Pretax return on assets | 0.8536% | 4,167 |
| Return on Equity (ROE) | 6.4917% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.4917% | 2,110 |
| Net charge-offs to loans | 1.2440% | 214 |
| Credit loss provision to net charge-offs | -73.6000% | 5,399 |
| Earnings coverage of net charge-offs (x) | 0.5440% | 4,362 |
| Efficiency ratio | 89.9408% | 845 |
| Assets per employee ($millions) | 7.2316% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5847% | 215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 2,105 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 45.1208% | 5,443 |
| Net loans and leases to deposits | 59.0095% | 5,016 |
| Net loans and leases to core deposits | 76.0752% | 3,731 |
| Total domestic deposits to total assets | 76.4636% | 5,756 |
| Equity capital to assets | 14.2467% | 927 |
| Core capital (leverage) ratio | 13.7027% | 928 |
| Tier 1 risk-based capital ratio | 23.9477% | 994 |
| Total risk-based capital ratio | 25.2079% | 974 |
| Memoranda: | ||
| Average total assets | $141,054,250 | 3,805 |
| Average earning assets | $130,289,250 | 3,783 |
| Average equity | $18,546,250 | 3,358 |
| Average total loans | $66,984,250 | 4,310 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1410% | 3,185 |
| Cost of funding earning assets | 0.9094% | 408 |
| Net interest margin | 3.2316% | 4,840 |
| Noninterest income to average assets | 0.0801% | 6,349 |
| Noninterest expense to average assets | 2.6976% | 3,874 |
| Loan and lease loss provision to assets | -0.3163% | 6,535 |
| Net operating income to assets | 0.6958% | 3,865 |
| Return on assets (ROA) | 0.8449% | 3,202 |
| Pretax return on assets | 0.8449% | 4,100 |
| Return on Equity (ROE) | 6.6032% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.6032% | 1,979 |
| Net charge-offs to loans | 1.6795% | 149 |
| Credit loss provision to net charge-offs | -39.4737% | 5,148 |
| Earnings coverage of net charge-offs (x) | 0.4737% | 4,036 |
| Efficiency ratio | 87.6656% | 1,115 |
| Assets per employee ($millions) | 7.1335% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7291% | 208 |
| Loan loss allowance to noncurrent loans | 357.5758% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 1.9906% | 1,615 |
| Noncurrent loans to loans | 1.0429% | 3,148 |
| Net loans and leases to total assets | 46.9748% | 5,271 |
| Net loans and leases to deposits | 62.2813% | 4,666 |
| Net loans and leases to core deposits | 80.6215% | 3,141 |
| Total domestic deposits to total assets | 75.4237% | 5,978 |
| Equity capital to assets | 13.3616% | 1,208 |
| Core capital (leverage) ratio | 13.5551% | 960 |
| Tier 1 risk-based capital ratio | 22.5634% | 1,180 |
| Total risk-based capital ratio | 23.8371% | 1,159 |
| Memoranda: | ||
| Average total assets | $142,272,330 | 3,813 |
| Average earning assets | $131,949,000 | 3,769 |
| Average equity | $18,203,330 | 3,403 |
| Average total loans | $67,878,670 | 4,302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,278 |
| Cost of funding earning assets | 0.8955% | 469 |
| Net interest margin | 3.2057% | 4,906 |
| Noninterest income to average assets | 0.0788% | 6,397 |
| Noninterest expense to average assets | 2.7225% | 3,862 |
| Loan and lease loss provision to assets | -0.3379% | 6,630 |
| Net operating income to assets | 0.6673% | 3,858 |
| Return on assets (ROA) | 0.8390% | 3,030 |
| Pretax return on assets | 0.8390% | 3,940 |
| Return on Equity (ROE) | 6.7066% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.7066% | 2,187 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2066% | 1,102 |
| Assets per employee ($millions) | 7.0693% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8958% | 95 |
| Loan loss allowance to noncurrent loans | 262.3095% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 2.3772% | 1,368 |
| Noncurrent loans to loans | 1.8664% | 2,044 |
| Net loans and leases to total assets | 44.9425% | 5,433 |
| Net loans and leases to deposits | 58.4929% | 4,892 |
| Net loans and leases to core deposits | 74.0643% | 3,638 |
| Total domestic deposits to total assets | 76.8342% | 5,986 |
| Equity capital to assets | 12.8712% | 1,371 |
| Core capital (leverage) ratio | 13.2051% | 1,083 |
| Tier 1 risk-based capital ratio | 22.4195% | 1,225 |
| Total risk-based capital ratio | 23.6768% | 1,197 |
| Memoranda: | ||
| Average total assets | $142,073,500 | 3,849 |
| Average earning assets | $131,767,000 | 3,803 |
| Average equity | $17,773,500 | 3,449 |
| Average total loans | $67,010,500 | 4,356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 1,456 |
| Cost of funding earning assets | 0.9925% | 463 |
| Net interest margin | 3.7541% | 2,828 |
| Noninterest income to average assets | 0.1425% | 6,227 |
| Noninterest expense to average assets | 2.8189% | 3,661 |
| Loan and lease loss provision to assets | -0.2374% | 6,629 |
| Net operating income to assets | 0.9792% | 2,428 |
| Return on assets (ROA) | 1.0504% | 2,186 |
| Pretax return on assets | 1.0504% | 3,152 |
| Return on Equity (ROE) | 8.1617% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,003 |
| Net charge-offs to loans | 0.1194% | 3,617 |
| Credit loss provision to net charge-offs | -397.5904% | 6,103 |
| Earnings coverage of net charge-offs (x) | 12.4217% | 2,124 |
| Efficiency ratio | 79.1675% | 2,292 |
| Assets per employee ($millions) | 7.1381% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0455% | 90 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4808% | 2,510 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 44.7017% | 5,610 |
| Net loans and leases to deposits | 58.0498% | 5,116 |
| Net loans and leases to core deposits | 74.1102% | 3,828 |
| Total domestic deposits to total assets | 77.0058% | 5,967 |
| Equity capital to assets | 12.1524% | 1,712 |
| Core capital (leverage) ratio | 13.0346% | 1,128 |
| Tier 1 risk-based capital ratio | 22.0429% | 1,250 |
| Total risk-based capital ratio | 23.2991% | 1,222 |
| Memoranda: | ||
| Average total assets | $138,988,200 | 3,897 |
| Average earning assets | $126,554,200 | 3,917 |
| Average equity | $17,888,400 | 3,437 |
| Average total loans | $69,516,800 | 4,285 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 1,831 |
| Cost of funding earning assets | 1.0157% | 455 |
| Net interest margin | 3.6041% | 3,427 |
| Noninterest income to average assets | 0.1400% | 6,330 |
| Noninterest expense to average assets | 2.7169% | 3,957 |
| Loan and lease loss provision to assets | -0.2898% | 6,772 |
| Net operating income to assets | 0.9755% | 2,484 |
| Return on assets (ROA) | 1.0644% | 2,222 |
| Pretax return on assets | 1.0644% | 3,247 |
| Return on Equity (ROE) | 8.1522% | 3,050 |
| Retained earnings to average equity (ytd only) | 8.1522% | 1,354 |
| Net charge-offs to loans | 0.1693% | 2,862 |
| Credit loss provision to net charge-offs | -337.0787% | 5,981 |
| Earnings coverage of net charge-offs (x) | 7.9778% | 2,692 |
| Efficiency ratio | 79.8467% | 2,124 |
| Assets per employee ($millions) | 7.0557% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8973% | 124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9842% | 2,038 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.9819% | 5,448 |
| Net loans and leases to deposits | 59.5370% | 5,027 |
| Net loans and leases to core deposits | 75.2147% | 3,708 |
| Total domestic deposits to total assets | 78.9121% | 5,758 |
| Equity capital to assets | 12.2993% | 1,714 |
| Core capital (leverage) ratio | 13.0111% | 1,200 |
| Tier 1 risk-based capital ratio | 21.4454% | 1,407 |
| Total risk-based capital ratio | 22.7298% | 1,379 |
| Memoranda: | ||
| Average total assets | $138,044,750 | 3,949 |
| Average earning assets | $124,965,750 | 3,982 |
| Average equity | $18,023,250 | 3,453 |
| Average total loans | $70,094,000 | 4,298 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7323% | 1,481 |
| Cost of funding earning assets | 1.0545% | 422 |
| Net interest margin | 3.6778% | 3,042 |
| Noninterest income to average assets | 0.1664% | 6,221 |
| Noninterest expense to average assets | 2.6521% | 4,210 |
| Loan and lease loss provision to assets | -0.2554% | 6,809 |
| Net operating income to assets | 1.0684% | 2,039 |
| Return on assets (ROA) | 1.2027% | 1,693 |
| Pretax return on assets | 1.2027% | 2,663 |
| Return on Equity (ROE) | 9.0323% | 2,591 |
| Retained earnings to average equity (ytd only) | 9.0323% | 1,107 |
| Net charge-offs to loans | 0.2335% | 2,325 |
| Credit loss provision to net charge-offs | -213.4146% | 5,746 |
| Earnings coverage of net charge-offs (x) | 6.7927% | 2,651 |
| Efficiency ratio | 76.5375% | 2,704 |
| Assets per employee ($millions) | 6.8269% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0575% | 109 |
| Loan loss allowance to noncurrent loans | 195.2643% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 3.5785% | 1,051 |
| Noncurrent loans to loans | 2.5901% | 1,777 |
| Net loans and leases to total assets | 48.7542% | 5,250 |
| Net loans and leases to deposits | 61.9756% | 4,747 |
| Net loans and leases to core deposits | 78.4648% | 3,230 |
| Total domestic deposits to total assets | 78.6667% | 5,860 |
| Equity capital to assets | 12.9832% | 1,350 |
| Core capital (leverage) ratio | 13.1566% | 1,113 |
| Tier 1 risk-based capital ratio | 21.2114% | 1,444 |
| Total risk-based capital ratio | 22.4993% | 1,408 |
| Memoranda: | ||
| Average total assets | $137,021,670 | 3,999 |
| Average earning assets | $122,901,000 | 4,064 |
| Average equity | $18,245,670 | 3,437 |
| Average total loans | $70,221,330 | 4,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6738% | 1,610 |
| Cost of funding earning assets | 1.1334% | 314 |
| Net interest margin | 3.5404% | 3,523 |
| Noninterest income to average assets | 0.1807% | 6,182 |
| Noninterest expense to average assets | 2.5965% | 4,416 |
| Loan and lease loss provision to assets | -0.3060% | 6,921 |
| Net operating income to assets | 1.0578% | 2,005 |
| Return on assets (ROA) | 1.0578% | 2,123 |
| Pretax return on assets | 1.0578% | 3,118 |
| Return on Equity (ROE) | 7.8465% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.8465% | 1,805 |
| Net charge-offs to loans | 0.4497% | 1,330 |
| Credit loss provision to net charge-offs | -132.9114% | 5,185 |
| Earnings coverage of net charge-offs (x) | 3.2658% | 2,805 |
| Efficiency ratio | 77.5457% | 2,685 |
| Assets per employee ($millions) | 6.8676% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2926% | 112 |
| Loan loss allowance to noncurrent loans | 385.8209% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 2.9639% | 1,518 |
| Noncurrent loans to loans | 1.3718% | 3,510 |
| Net loans and leases to total assets | 47.1493% | 5,316 |
| Net loans and leases to deposits | 59.1967% | 4,888 |
| Net loans and leases to core deposits | 79.2840% | 2,889 |
| Total domestic deposits to total assets | 79.6485% | 5,832 |
| Equity capital to assets | 13.6082% | 1,176 |
| Core capital (leverage) ratio | 12.6518% | 1,273 |
| Tier 1 risk-based capital ratio | 20.7743% | 1,591 |
| Total risk-based capital ratio | 22.0620% | 1,555 |
| Memoranda: | ||
| Average total assets | $137,263,500 | 4,033 |
| Average earning assets | $122,811,000 | 4,097 |
| Average equity | $18,505,000 | 3,450 |
| Average total loans | $70,275,000 | 4,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8769% | 1,920 |
| Cost of funding earning assets | 1.2002% | 580 |
| Net interest margin | 3.6767% | 3,756 |
| Noninterest income to average assets | 0.1244% | 6,413 |
| Noninterest expense to average assets | 2.6672% | 4,519 |
| Loan and lease loss provision to assets | 0.1741% | 3,443 |
| Net operating income to assets | 0.6503% | 3,983 |
| Return on assets (ROA) | 0.7244% | 3,874 |
| Pretax return on assets | 0.7244% | 4,579 |
| Return on Equity (ROE) | 5.5419% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.5419% | 2,353 |
| Net charge-offs to loans | -0.5714% | 7,011 |
| Credit loss provision to net charge-offs | -57.8818% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3895% | 2,679 |
| Assets per employee ($millions) | 6.8588% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2708% | 110 |
| Loan loss allowance to noncurrent loans | 854.8315% | 524 |
| Noncurrent assets plus other real estate owned to assets | 2.3699% | 2,070 |
| Noncurrent loans to loans | 0.6166% | 4,973 |
| Net loans and leases to total assets | 49.8389% | 5,190 |
| Net loans and leases to deposits | 61.3069% | 4,865 |
| Net loans and leases to core deposits | 81.3583% | 2,841 |
| Total domestic deposits to total assets | 81.2941% | 5,309 |
| Equity capital to assets | 13.3544% | 1,285 |
| Core capital (leverage) ratio | 12.6751% | 1,248 |
| Tier 1 risk-based capital ratio | 21.9448% | 1,275 |
| Total risk-based capital ratio | 23.2396% | 1,237 |
| Memoranda: | ||
| Average total assets | $135,013,000 | 4,042 |
| Average earning assets | $123,644,600 | 4,030 |
| Average equity | $17,647,400 | 3,516 |
| Average total loans | $71,059,600 | 4,321 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 1,891 |
| Cost of funding earning assets | 1.2133% | 654 |
| Net interest margin | 3.7196% | 3,707 |
| Noninterest income to average assets | 0.0873% | 6,662 |
| Noninterest expense to average assets | 2.5283% | 4,991 |
| Loan and lease loss provision to assets | 0.2330% | 2,711 |
| Net operating income to assets | 0.7456% | 3,711 |
| Return on assets (ROA) | 0.7327% | 4,013 |
| Pretax return on assets | 0.7327% | 4,739 |
| Return on Equity (ROE) | 5.6369% | 4,512 |
| Retained earnings to average equity (ytd only) | 5.6369% | 2,932 |
| Net charge-offs to loans | -1.0228% | 7,120 |
| Credit loss provision to net charge-offs | -43.2781% | 6,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0950% | 3,307 |
| Assets per employee ($millions) | 6.7354% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6414% | 91 |
| Loan loss allowance to noncurrent loans | 4,529.8851% | 146 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 2,487 |
| Noncurrent loans to loans | 0.1245% | 6,297 |
| Net loans and leases to total assets | 48.9340% | 5,441 |
| Net loans and leases to deposits | 60.3816% | 5,161 |
| Net loans and leases to core deposits | 77.7207% | 3,499 |
| Total domestic deposits to total assets | 81.0412% | 5,343 |
| Equity capital to assets | 13.4573% | 1,366 |
| Core capital (leverage) ratio | 12.5416% | 1,388 |
| Tier 1 risk-based capital ratio | 22.3952% | 1,265 |
| Total risk-based capital ratio | 23.7113% | 1,233 |
| Memoranda: | ||
| Average total assets | $134,472,250 | 4,088 |
| Average earning assets | $123,628,750 | 4,067 |
| Average equity | $17,479,500 | 3,575 |
| Average total loans | $70,781,750 | 4,373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9212% | 2,022 |
| Cost of funding earning assets | 1.2069% | 788 |
| Net interest margin | 3.7143% | 3,753 |
| Noninterest income to average assets | 0.0625% | 6,817 |
| Noninterest expense to average assets | 2.5224% | 5,064 |
| Loan and lease loss provision to assets | 0.3497% | 1,881 |
| Net operating income to assets | 0.6161% | 4,305 |
| Return on assets (ROA) | 0.5968% | 4,641 |
| Pretax return on assets | 0.5968% | 5,147 |
| Return on Equity (ROE) | 4.6457% | 4,972 |
| Retained earnings to average equity (ytd only) | 4.6457% | 3,517 |
| Net charge-offs to loans | -1.4939% | 7,190 |
| Credit loss provision to net charge-offs | -44.2561% | 5,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3123% | 3,372 |
| Assets per employee ($millions) | 6.5959% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4112% | 114 |
| Loan loss allowance to noncurrent loans | 375.6214% | 964 |
| Noncurrent assets plus other real estate owned to assets | 2.9314% | 1,887 |
| Noncurrent loans to loans | 1.4406% | 3,755 |
| Net loans and leases to total assets | 52.0623% | 5,090 |
| Net loans and leases to deposits | 64.2304% | 4,733 |
| Net loans and leases to core deposits | 82.3420% | 2,920 |
| Total domestic deposits to total assets | 81.0555% | 5,448 |
| Equity capital to assets | 13.3751% | 1,351 |
| Core capital (leverage) ratio | 12.2353% | 1,479 |
| Tier 1 risk-based capital ratio | 20.4845% | 1,577 |
| Total risk-based capital ratio | 21.7793% | 1,550 |
| Memoranda: | ||
| Average total assets | $134,393,670 | 4,109 |
| Average earning assets | $123,952,670 | 4,080 |
| Average equity | $17,263,330 | 3,603 |
| Average total loans | $71,089,330 | 4,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 2,052 |
| Cost of funding earning assets | 1.2166% | 915 |
| Net interest margin | 3.7388% | 3,642 |
| Noninterest income to average assets | 0.0619% | 6,889 |
| Noninterest expense to average assets | 2.4272% | 5,383 |
| Loan and lease loss provision to assets | 0.5161% | 1,169 |
| Net operating income to assets | 0.5898% | 4,394 |
| Return on assets (ROA) | 0.5751% | 4,696 |
| Pretax return on assets | 0.5751% | 5,205 |
| Return on Equity (ROE) | 4.5686% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.5686% | 3,842 |
| Net charge-offs to loans | -1.5129% | 7,239 |
| Credit loss provision to net charge-offs | -65.7895% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6978% | 4,035 |
| Assets per employee ($millions) | 7.1100% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0589% | 171 |
| Loan loss allowance to noncurrent loans | 148.5573% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 3.8885% | 1,435 |
| Noncurrent loans to loans | 3.4053% | 1,846 |
| Net loans and leases to total assets | 50.0681% | 5,296 |
| Net loans and leases to deposits | 62.2201% | 4,880 |
| Net loans and leases to core deposits | 82.6151% | 2,745 |
| Total domestic deposits to total assets | 80.4693% | 5,731 |
| Equity capital to assets | 12.7545% | 1,569 |
| Core capital (leverage) ratio | 11.9921% | 1,594 |
| Tier 1 risk-based capital ratio | 20.5290% | 1,581 |
| Total risk-based capital ratio | 21.8205% | 1,552 |
| Memoranda: | ||
| Average total assets | $135,632,000 | 4,114 |
| Average earning assets | $125,923,500 | 4,061 |
| Average equity | $17,073,000 | 3,636 |
| Average total loans | $70,330,000 | 4,440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2105% | 2,013 |
| Cost of funding earning assets | 1.5151% | 674 |
| Net interest margin | 3.6955% | 4,317 |
| Noninterest income to average assets | 0.0539% | 6,816 |
| Noninterest expense to average assets | 2.5658% | 5,221 |
| Loan and lease loss provision to assets | 0.3282% | 3,062 |
| Net operating income to assets | 0.6227% | 3,872 |
| Return on assets (ROA) | 0.6407% | 3,979 |
| Pretax return on assets | 0.6407% | 4,554 |
| Return on Equity (ROE) | 5.2915% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.2915% | 2,454 |
| Net charge-offs to loans | 1.6123% | 975 |
| Credit loss provision to net charge-offs | 34.5395% | 5,717 |
| Earnings coverage of net charge-offs (x) | 1.0008% | 5,041 |
| Efficiency ratio | 72.9616% | 3,398 |
| Assets per employee ($millions) | 8.0102% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5564% | 248 |
| Loan loss allowance to noncurrent loans | 75.6518% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 3.5491% | 1,667 |
| Noncurrent loans to loans | 6.0228% | 824 |
| Net loans and leases to total assets | 48.6554% | 5,759 |
| Net loans and leases to deposits | 60.1523% | 5,466 |
| Net loans and leases to core deposits | 74.1508% | 4,219 |
| Total domestic deposits to total assets | 80.8870% | 5,486 |
| Equity capital to assets | 12.4223% | 1,844 |
| Core capital (leverage) ratio | 12.1185% | 1,525 |
| Tier 1 risk-based capital ratio | 21.9017% | 1,250 |
| Total risk-based capital ratio | 23.1907% | 1,215 |
| Memoranda: | ||
| Average total assets | $127,988,800 | 4,217 |
| Average earning assets | $119,930,000 | 4,132 |
| Average equity | $15,496,600 | 3,820 |
| Average total loans | $75,418,600 | 4,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3805% | 1,570 |
| Cost of funding earning assets | 1.5815% | 632 |
| Net interest margin | 3.7990% | 3,884 |
| Noninterest income to average assets | 0.0498% | 6,957 |
| Noninterest expense to average assets | 2.5567% | 5,252 |
| Loan and lease loss provision to assets | 0.3176% | 2,996 |
| Net operating income to assets | 0.7485% | 3,389 |
| Return on assets (ROA) | 0.7728% | 3,450 |
| Pretax return on assets | 0.7728% | 4,227 |
| Return on Equity (ROE) | 6.4280% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.4280% | 2,273 |
| Net charge-offs to loans | 0.5027% | 2,750 |
| Credit loss provision to net charge-offs | 103.4483% | 3,221 |
| Earnings coverage of net charge-offs (x) | 3.4724% | 3,427 |
| Efficiency ratio | 70.5728% | 3,841 |
| Assets per employee ($millions) | 7.1607% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1696% | 161 |
| Loan loss allowance to noncurrent loans | 113.5297% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 3.3633% | 1,889 |
| Noncurrent loans to loans | 4.5535% | 1,419 |
| Net loans and leases to total assets | 56.4868% | 4,763 |
| Net loans and leases to deposits | 70.6446% | 4,195 |
| Net loans and leases to core deposits | 84.4178% | 3,000 |
| Total domestic deposits to total assets | 79.9592% | 5,753 |
| Equity capital to assets | 13.0613% | 1,588 |
| Core capital (leverage) ratio | 12.7003% | 1,346 |
| Tier 1 risk-based capital ratio | 20.3343% | 1,605 |
| Total risk-based capital ratio | 21.5880% | 1,576 |
| Memoranda: | ||
| Average total assets | $125,942,500 | 4,275 |
| Average earning assets | $118,448,750 | 4,196 |
| Average equity | $15,141,750 | 3,890 |
| Average total loans | $76,918,500 | 4,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4447% | 1,430 |
| Cost of funding earning assets | 1.6540% | 561 |
| Net interest margin | 3.7906% | 3,829 |
| Noninterest income to average assets | 0.0464% | 7,060 |
| Noninterest expense to average assets | 2.5336% | 5,422 |
| Loan and lease loss provision to assets | 0.2881% | 3,084 |
| Net operating income to assets | 0.7827% | 3,143 |
| Return on assets (ROA) | 0.8195% | 3,102 |
| Pretax return on assets | 0.8195% | 3,948 |
| Return on Equity (ROE) | 7.0246% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.0246% | 1,867 |
| Net charge-offs to loans | 0.7406% | 2,021 |
| Credit loss provision to net charge-offs | 63.1579% | 4,266 |
| Earnings coverage of net charge-offs (x) | 2.3474% | 3,651 |
| Efficiency ratio | 70.2931% | 4,049 |
| Assets per employee ($millions) | 6.8896% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0154% | 186 |
| Loan loss allowance to noncurrent loans | 101.7155% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 3.7335% | 1,741 |
| Noncurrent loans to loans | 4.9308% | 1,332 |
| Net loans and leases to total assets | 58.8564% | 4,490 |
| Net loans and leases to deposits | 72.6302% | 4,018 |
| Net loans and leases to core deposits | 85.9493% | 2,914 |
| Total domestic deposits to total assets | 81.0357% | 5,516 |
| Equity capital to assets | 12.7560% | 1,646 |
| Core capital (leverage) ratio | 12.6186% | 1,312 |
| Tier 1 risk-based capital ratio | 19.0577% | 1,825 |
| Total risk-based capital ratio | 20.2514% | 1,809 |
| Memoranda: | ||
| Average total assets | $124,959,330 | 4,322 |
| Average earning assets | $117,289,330 | 4,249 |
| Average equity | $14,577,330 | 3,990 |
| Average total loans | $76,966,000 | 4,314 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4067% | 1,535 |
| Cost of funding earning assets | 1.7079% | 532 |
| Net interest margin | 3.6988% | 4,112 |
| Noninterest income to average assets | 0.0670% | 7,057 |
| Noninterest expense to average assets | 2.5544% | 5,373 |
| Loan and lease loss provision to assets | 0.2870% | 2,851 |
| Net operating income to assets | 0.6856% | 3,580 |
| Return on assets (ROA) | 0.7335% | 3,422 |
| Pretax return on assets | 0.7335% | 4,174 |
| Return on Equity (ROE) | 6.5919% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.5919% | 2,330 |
| Net charge-offs to loans | 1.5787% | 857 |
| Credit loss provision to net charge-offs | 29.6053% | 4,126 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 3,909 |
| Efficiency ratio | 72.4231% | 3,786 |
| Assets per employee ($millions) | 6.9558% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8949% | 213 |
| Loan loss allowance to noncurrent loans | 98.2940% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 4.3073% | 1,519 |
| Noncurrent loans to loans | 4.9799% | 1,356 |
| Net loans and leases to total assets | 58.1151% | 4,630 |
| Net loans and leases to deposits | 70.7577% | 4,228 |
| Net loans and leases to core deposits | 90.6354% | 2,282 |
| Total domestic deposits to total assets | 82.1325% | 5,255 |
| Equity capital to assets | 11.7088% | 2,116 |
| Core capital (leverage) ratio | 12.1574% | 1,478 |
| Tier 1 risk-based capital ratio | 19.3173% | 1,730 |
| Total risk-based capital ratio | 20.6102% | 1,693 |
| Memoranda: | ||
| Average total assets | $125,433,000 | 4,350 |
| Average earning assets | $117,335,500 | 4,272 |
| Average equity | $13,956,500 | 4,116 |
| Average total loans | $77,027,500 | 4,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4246% | 2,563 |
| Cost of funding earning assets | 2.0758% | 462 |
| Net interest margin | 3.3488% | 5,799 |
| Noninterest income to average assets | 0.0596% | 7,063 |
| Noninterest expense to average assets | 2.7002% | 4,988 |
| Loan and lease loss provision to assets | 2.5762% | 424 |
| Net operating income to assets | -2.1086% | 7,085 |
| Return on assets (ROA) | -1.7803% | 7,013 |
| Pretax return on assets | -1.7803% | 6,950 |
| Return on Equity (ROE) | -16.7119% | 6,970 |
| Retained earnings to average equity (ytd only) | -16.7119% | 6,939 |
| Net charge-offs to loans | 1.7746% | 1,192 |
| Credit loss provision to net charge-offs | 227.2090% | 1,300 |
| Earnings coverage of net charge-offs (x) | 0.4123% | 5,693 |
| Efficiency ratio | 85.2410% | 1,775 |
| Assets per employee ($millions) | 6.9812% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1053% | 179 |
| Loan loss allowance to noncurrent loans | 125.4039% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 3.4935% | 1,984 |
| Noncurrent loans to loans | 4.0711% | 1,775 |
| Net loans and leases to total assets | 58.5607% | 4,946 |
| Net loans and leases to deposits | 70.3922% | 4,768 |
| Net loans and leases to core deposits | 91.2991% | 2,573 |
| Total domestic deposits to total assets | 83.1921% | 4,712 |
| Equity capital to assets | 10.5466% | 3,109 |
| Core capital (leverage) ratio | 10.9240% | 2,215 |
| Tier 1 risk-based capital ratio | 17.1159% | 2,308 |
| Total risk-based capital ratio | 18.4172% | 2,247 |
| Memoranda: | ||
| Average total assets | $125,768,600 | 4,356 |
| Average earning assets | $116,728,400 | 4,298 |
| Average equity | $13,397,600 | 4,286 |
| Average total loans | $80,356,600 | 4,337 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 2,878 |
| Cost of funding earning assets | 2.1357% | 472 |
| Net interest margin | 3.2653% | 6,125 |
| Noninterest income to average assets | 0.0604% | 7,224 |
| Noninterest expense to average assets | 2.6190% | 5,246 |
| Loan and lease loss provision to assets | 1.8866% | 654 |
| Net operating income to assets | -1.4181% | 7,081 |
| Return on assets (ROA) | -0.9804% | 6,934 |
| Pretax return on assets | -0.9804% | 6,848 |
| Return on Equity (ROE) | -9.1806% | 6,890 |
| Retained earnings to average equity (ytd only) | -9.1806% | 6,832 |
| Net charge-offs to loans | 1.9261% | 987 |
| Credit loss provision to net charge-offs | 152.0068% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.3775% | 5,653 |
| Efficiency ratio | 84.8266% | 1,747 |
| Assets per employee ($millions) | 7.1206% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5114% | 533 |
| Loan loss allowance to noncurrent loans | 92.1995% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 3.5343% | 2,013 |
| Noncurrent loans to loans | 3.8085% | 2,018 |
| Net loans and leases to total assets | 59.0430% | 5,099 |
| Net loans and leases to deposits | 72.1569% | 4,820 |
| Net loans and leases to core deposits | 89.3480% | 3,197 |
| Total domestic deposits to total assets | 81.8258% | 5,067 |
| Equity capital to assets | 10.9939% | 2,967 |
| Core capital (leverage) ratio | 10.6875% | 2,520 |
| Tier 1 risk-based capital ratio | 16.4084% | 2,594 |
| Total risk-based capital ratio | 17.6839% | 2,538 |
| Memoranda: | ||
| Average total assets | $125,795,500 | 4,422 |
| Average earning assets | $116,615,750 | 4,366 |
| Average equity | $13,433,750 | 4,343 |
| Average total loans | $81,059,000 | 4,379 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5364% | 2,378 |
| Cost of funding earning assets | 2.2312% | 424 |
| Net interest margin | 3.3052% | 5,999 |
| Noninterest income to average assets | 0.0624% | 7,271 |
| Noninterest expense to average assets | 2.6175% | 5,253 |
| Loan and lease loss provision to assets | 0.8640% | 1,684 |
| Net operating income to assets | -0.3664% | 6,535 |
| Return on assets (ROA) | 0.1632% | 5,802 |
| Pretax return on assets | 0.1632% | 5,857 |
| Return on Equity (ROE) | 1.5437% | 5,790 |
| Retained earnings to average equity (ytd only) | 1.5437% | 5,097 |
| Net charge-offs to loans | 0.0024% | 6,349 |
| Credit loss provision to net charge-offs | 54,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 108 |
| Efficiency ratio | 84.0267% | 1,920 |
| Assets per employee ($millions) | 7.4608% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2540% | 672 |
| Loan loss allowance to noncurrent loans | 162.1377% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 2.5246% | 2,859 |
| Noncurrent loans to loans | 2.0069% | 3,705 |
| Net loans and leases to total assets | 62.9405% | 4,480 |
| Net loans and leases to deposits | 76.8779% | 4,178 |
| Net loans and leases to core deposits | 84.6931% | 4,041 |
| Total domestic deposits to total assets | 81.8708% | 5,041 |
| Equity capital to assets | 10.5894% | 3,297 |
| Core capital (leverage) ratio | 10.3219% | 2,805 |
| Tier 1 risk-based capital ratio | 15.5643% | 2,862 |
| Total risk-based capital ratio | 16.8368% | 2,821 |
| Memoranda: | ||
| Average total assets | $125,003,670 | 4,473 |
| Average earning assets | $115,453,670 | 4,429 |
| Average equity | $13,214,670 | 4,391 |
| Average total loans | $81,935,330 | 4,386 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 3,040 |
| Cost of funding earning assets | 2.2942% | 443 |
| Net interest margin | 3.1046% | 6,580 |
| Noninterest income to average assets | 0.0419% | 7,505 |
| Noninterest expense to average assets | 2.6787% | 5,007 |
| Loan and lease loss provision to assets | 1.2572% | 968 |
| Net operating income to assets | -1.0412% | 7,132 |
| Return on assets (ROA) | -0.9219% | 7,093 |
| Pretax return on assets | -0.9219% | 7,015 |
| Return on Equity (ROE) | -8.7285% | 7,087 |
| Retained earnings to average equity (ytd only) | -8.7285% | 6,879 |
| Net charge-offs to loans | 0.0049% | 5,548 |
| Credit loss provision to net charge-offs | 39,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 453 |
| Efficiency ratio | 92.5390% | 1,244 |
| Assets per employee ($millions) | 6.6994% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1387% | 732 |
| Loan loss allowance to noncurrent loans | 155.5556% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 3.1723% | 2,260 |
| Noncurrent loans to loans | 2.0178% | 3,770 |
| Net loans and leases to total assets | 61.4342% | 4,864 |
| Net loans and leases to deposits | 77.5738% | 4,116 |
| Net loans and leases to core deposits | 85.1210% | 4,030 |
| Total domestic deposits to total assets | 79.1946% | 6,029 |
| Equity capital to assets | 10.2350% | 3,552 |
| Core capital (leverage) ratio | 10.4846% | 2,636 |
| Tier 1 risk-based capital ratio | 15.4699% | 2,885 |
| Total risk-based capital ratio | 16.7198% | 2,830 |
| Memoranda: | ||
| Average total assets | $124,088,500 | 4,540 |
| Average earning assets | $114,025,000 | 4,513 |
| Average equity | $13,106,500 | 4,454 |
| Average total loans | $81,645,500 | 4,453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6466% | 3,365 |
| Cost of funding earning assets | 2.8389% | 391 |
| Net interest margin | 2.8077% | 7,046 |
| Noninterest income to average assets | 0.0560% | 7,477 |
| Noninterest expense to average assets | 2.5853% | 5,843 |
| Loan and lease loss provision to assets | 0.1381% | 6,258 |
| Net operating income to assets | -0.0418% | 5,571 |
| Return on assets (ROA) | 0.1208% | 5,201 |
| Pretax return on assets | 0.1208% | 5,173 |
| Return on Equity (ROE) | 1.1600% | 5,186 |
| Retained earnings to average equity (ytd only) | 1.1600% | 4,233 |
| Net charge-offs to loans | 2.2882% | 1,018 |
| Credit loss provision to net charge-offs | 8.5868% | 6,978 |
| Earnings coverage of net charge-offs (x) | 0.0599% | 6,107 |
| Efficiency ratio | 96.4086% | 1,298 |
| Assets per employee ($millions) | 6.3625% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 1,114 |
| Loan loss allowance to noncurrent loans | 183.4902% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 2.9598% | 2,369 |
| Noncurrent loans to loans | 1.4160% | 4,556 |
| Net loans and leases to total assets | 66.5186% | 4,034 |
| Net loans and leases to deposits | 84.1079% | 3,239 |
| Net loans and leases to core deposits | 130.7720% | 1,236 |
| Total domestic deposits to total assets | 79.0873% | 5,951 |
| Equity capital to assets | 10.9068% | 2,771 |
| Core capital (leverage) ratio | 10.7148% | 2,415 |
| Tier 1 risk-based capital ratio | 15.8859% | 2,572 |
| Total risk-based capital ratio | 17.1522% | 2,496 |
| Memoranda: | ||
| Average total assets | $126,677,000 | 4,410 |
| Average earning assets | $118,460,200 | 4,341 |
| Average equity | $13,190,200 | 4,458 |
| Average total loans | $89,064,600 | 4,238 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5816% | 3,964 |
| Cost of funding earning assets | 2.9303% | 404 |
| Net interest margin | 2.6513% | 7,289 |
| Noninterest income to average assets | 0.0551% | 7,626 |
| Noninterest expense to average assets | 2.5922% | 5,739 |
| Loan and lease loss provision to assets | 0.1821% | 5,541 |
| Net operating income to assets | -0.2279% | 6,110 |
| Return on assets (ROA) | -0.1249% | 5,959 |
| Pretax return on assets | -0.1249% | 5,875 |
| Return on Equity (ROE) | -1.2129% | 5,968 |
| Retained earnings to average equity (ytd only) | -1.2129% | 5,539 |
| Net charge-offs to loans | 2.8418% | 613 |
| Credit loss provision to net charge-offs | 9.0533% | 6,621 |
| Earnings coverage of net charge-offs (x) | -0.0228% | 6,094 |
| Efficiency ratio | 101.7981% | 987 |
| Assets per employee ($millions) | 6.5084% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6664% | 910 |
| Loan loss allowance to noncurrent loans | 316.0112% | 963 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 3,332 |
| Noncurrent loans to loans | 0.8438% | 5,608 |
| Net loans and leases to total assets | 66.4206% | 4,328 |
| Net loans and leases to deposits | 87.4325% | 3,072 |
| Net loans and leases to core deposits | 127.1912% | 1,640 |
| Total domestic deposits to total assets | 75.9678% | 6,584 |
| Equity capital to assets | 10.6381% | 3,361 |
| Core capital (leverage) ratio | 10.3085% | 2,961 |
| Tier 1 risk-based capital ratio | 14.4577% | 3,300 |
| Total risk-based capital ratio | 15.6506% | 3,272 |
| Memoranda: | ||
| Average total assets | $128,124,250 | 4,406 |
| Average earning assets | $120,392,250 | 4,341 |
| Average equity | $13,191,500 | 4,489 |
| Average total loans | $90,691,250 | 4,230 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 5,448 |
| Cost of funding earning assets | 2.9771% | 505 |
| Net interest margin | 2.3627% | 7,612 |
| Noninterest income to average assets | 0.0447% | 7,755 |
| Noninterest expense to average assets | 2.3748% | 6,540 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.1049% | 6,022 |
| Return on assets (ROA) | 0.0478% | 5,801 |
| Pretax return on assets | 0.0478% | 5,785 |
| Return on Equity (ROE) | 0.4696% | 5,796 |
| Retained earnings to average equity (ytd only) | 0.4696% | 5,024 |
| Net charge-offs to loans | 3.2955% | 486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.0445% | 5,745 |
| Efficiency ratio | 104.6227% | 1,009 |
| Assets per employee ($millions) | 6.6280% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7442% | 716 |
| Loan loss allowance to noncurrent loans | 66.7834% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.9964% | 2,123 |
| Noncurrent loans to loans | 4.1091% | 1,622 |
| Net loans and leases to total assets | 66.2769% | 4,515 |
| Net loans and leases to deposits | 92.4508% | 2,385 |
| Net loans and leases to core deposits | 129.1810% | 1,632 |
| Total domestic deposits to total assets | 71.6888% | 7,278 |
| Equity capital to assets | 9.8484% | 4,152 |
| Core capital (leverage) ratio | 10.2022% | 3,093 |
| Tier 1 risk-based capital ratio | 14.0951% | 3,460 |
| Total risk-based capital ratio | 15.3250% | 3,414 |
| Memoranda: | ||
| Average total assets | $129,612,670 | 4,402 |
| Average earning assets | $122,066,000 | 4,318 |
| Average equity | $13,203,670 | 4,491 |
| Average total loans | $92,793,330 | 4,209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,753 |
| Cost of funding earning assets | 3.0342% | 556 |
| Net interest margin | 2.2960% | 7,718 |
| Noninterest income to average assets | 0.0812% | 7,649 |
| Noninterest expense to average assets | 2.3131% | 6,495 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0375% | 6,312 |
| Return on assets (ROA) | 0.0156% | 6,372 |
| Pretax return on assets | 0.0156% | 6,347 |
| Return on Equity (ROE) | 0.1506% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.1506% | 5,601 |
| Net charge-offs to loans | 5.4753% | 182 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.0093% | 4,989 |
| Efficiency ratio | 101.6461% | 1,064 |
| Assets per employee ($millions) | 6.9806% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9217% | 515 |
| Loan loss allowance to noncurrent loans | 63.1909% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.2466% | 1,699 |
| Noncurrent loans to loans | 4.6236% | 1,222 |
| Net loans and leases to total assets | 68.1653% | 4,093 |
| Net loans and leases to deposits | 92.4579% | 2,520 |
| Net loans and leases to core deposits | 114.3361% | 2,979 |
| Total domestic deposits to total assets | 73.7258% | 6,927 |
| Equity capital to assets | 10.0391% | 3,959 |
| Core capital (leverage) ratio | 10.2913% | 3,114 |
| Tier 1 risk-based capital ratio | 13.9190% | 3,636 |
| Total risk-based capital ratio | 15.1750% | 3,556 |
| Memoranda: | ||
| Average total assets | $128,139,500 | 4,449 |
| Average earning assets | $122,471,500 | 4,318 |
| Average equity | $13,278,000 | 4,515 |
| Average total loans | $94,022,500 | 4,213 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3607% | 3,638 |
| Cost of funding earning assets | 3.4364% | 636 |
| Net interest margin | 2.9242% | 7,095 |
| Noninterest income to average assets | 0.0157% | 8,048 |
| Noninterest expense to average assets | 3.4711% | 2,471 |
| Loan and lease loss provision to assets | 3.2209% | 270 |
| Net operating income to assets | -3.8459% | 7,961 |
| Return on assets (ROA) | -3.7887% | 7,929 |
| Pretax return on assets | -3.7887% | 7,851 |
| Return on Equity (ROE) | -31.5969% | 7,983 |
| Retained earnings to average equity (ytd only) | -31.5969% | 7,939 |
| Net charge-offs to loans | 0.4533% | 2,569 |
| Credit loss provision to net charge-offs | 942.9730% | 472 |
| Earnings coverage of net charge-offs (x) | -1.8297% | 6,698 |
| Efficiency ratio | 121.9591% | 550 |
| Assets per employee ($millions) | 6.8693% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2217% | 160 |
| Loan loss allowance to noncurrent loans | 238.2283% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 1.3603% | 3,479 |
| Noncurrent loans to loans | 1.7721% | 3,107 |
| Net loans and leases to total assets | 73.5222% | 3,224 |
| Net loans and leases to deposits | 100.6867% | 1,756 |
| Net loans and leases to core deposits | 127.7408% | 2,025 |
| Total domestic deposits to total assets | 73.0208% | 6,826 |
| Equity capital to assets | 10.7087% | 3,289 |
| Core capital (leverage) ratio | 10.7234% | 2,796 |
| Tier 1 risk-based capital ratio | 14.6808% | 3,214 |
| Total risk-based capital ratio | 15.9817% | 3,105 |
| Memoranda: | ||
| Average total assets | $108,323,000 | 4,824 |
| Average earning assets | $104,847,600 | 4,653 |
| Average equity | $12,988,600 | 4,581 |
| Average total loans | $81,623,600 | 4,469 |