Home > Coast National Bank > Performance and Condition Ratios
Coast National Bank, Performance and Condition Ratios
| 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 | 4.3156% | 2,105 |
| Cost of funding earning assets | 0.1535% | 5,524 |
| Net interest margin | 4.1622% | 1,198 |
| Noninterest income to average assets | 0.3927% | 3,925 |
| Noninterest expense to average assets | 3.4096% | 1,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4693% | 4,804 |
| Return on assets (ROA) | 0.4693% | 4,896 |
| Pretax return on assets | 0.8045% | 4,265 |
| Return on Equity (ROE) | 3.6871% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.6871% | 3,544 |
| Net charge-offs to loans | -0.3658% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9091% | 1,390 |
| Assets per employee ($millions) | 4.8237% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,375 |
| Loan loss allowance to noncurrent loans | 154.4132% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 2,917 |
| Noncurrent loans to loans | 1.0737% | 2,142 |
| Net loans and leases to total assets | 63.1467% | 3,480 |
| Net loans and leases to deposits | 72.5118% | 3,741 |
| Net loans and leases to core deposits | 78.0931% | 3,632 |
| Total domestic deposits to total assets | 87.0847% | 1,874 |
| Equity capital to assets | 12.6277% | 1,701 |
| Core capital (leverage) ratio | 10.8289% | 2,615 |
| Tier 1 risk-based capital ratio | 13.1538% | 4,103 |
| Total risk-based capital ratio | 14.4180% | 4,020 |
| Memoranda: | ||
| Average total assets | $146,174,330 | 3,612 |
| Average earning assets | $134,209,330 | 3,623 |
| Average equity | $18,605,330 | 3,356 |
| Average total loans | $95,145,000 | 3,501 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 1,873 |
| Cost of funding earning assets | 0.1478% | 5,629 |
| Net interest margin | 4.2271% | 1,046 |
| Noninterest income to average assets | 0.3488% | 4,237 |
| Noninterest expense to average assets | 3.4299% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4623% | 4,774 |
| Return on assets (ROA) | 0.4623% | 4,857 |
| Pretax return on assets | 0.7973% | 4,203 |
| Return on Equity (ROE) | 3.6174% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.6174% | 3,684 |
| Net charge-offs to loans | -0.4308% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1395% | 1,467 |
| Assets per employee ($millions) | 4.4906% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 1,633 |
| Loan loss allowance to noncurrent loans | 82.4647% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 1,685 |
| Noncurrent loans to loans | 1.9273% | 1,124 |
| Net loans and leases to total assets | 65.4521% | 3,037 |
| Net loans and leases to deposits | 75.3402% | 3,295 |
| Net loans and leases to core deposits | 79.5073% | 3,365 |
| Total domestic deposits to total assets | 86.8753% | 2,264 |
| Equity capital to assets | 12.9639% | 1,427 |
| Core capital (leverage) ratio | 10.9028% | 2,502 |
| Tier 1 risk-based capital ratio | 12.9977% | 4,271 |
| Total risk-based capital ratio | 14.2614% | 4,173 |
| Memoranda: | ||
| Average total assets | $144,493,500 | 3,660 |
| Average earning assets | $132,572,500 | 3,672 |
| Average equity | $18,466,500 | 3,368 |
| Average total loans | $94,708,000 | 3,516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,255 |
| Cost of funding earning assets | 0.1561% | 5,649 |
| Net interest margin | 4.1327% | 1,332 |
| Noninterest income to average assets | 1.6278% | 488 |
| Noninterest expense to average assets | 3.7546% | 914 |
| Loan and lease loss provision to assets | -0.3696% | 6,094 |
| Net operating income to assets | 4.4213% | 52 |
| Return on assets (ROA) | 4.4879% | 51 |
| Pretax return on assets | 2.1053% | 426 |
| Return on Equity (ROE) | 41.1459% | 24 |
| Retained earnings to average equity (ytd only) | 41.1459% | 12 |
| Net charge-offs to loans | -0.1974% | 5,948 |
| Credit loss provision to net charge-offs | 297.6190% | 997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2245% | 3,358 |
| Assets per employee ($millions) | 3.9267% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5100% | 1,955 |
| Loan loss allowance to noncurrent loans | 507.8853% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 4,831 |
| Noncurrent loans to loans | 0.2973% | 4,393 |
| Net loans and leases to total assets | 63.6157% | 3,334 |
| Net loans and leases to deposits | 72.8797% | 3,629 |
| Net loans and leases to core deposits | 76.0164% | 3,752 |
| Total domestic deposits to total assets | 87.2887% | 1,992 |
| Equity capital to assets | 12.5984% | 1,567 |
| Core capital (leverage) ratio | 10.3408% | 3,114 |
| Tier 1 risk-based capital ratio | 12.7982% | 4,455 |
| Total risk-based capital ratio | 14.0326% | 4,359 |
| Memoranda: | ||
| Average total assets | $135,275,600 | 3,801 |
| Average earning assets | $124,254,200 | 3,798 |
| Average equity | $14,754,800 | 3,872 |
| Average total loans | $85,109,800 | 3,699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,402 |
| Cost of funding earning assets | 0.1574% | 5,731 |
| Net interest margin | 4.0925% | 1,423 |
| Noninterest income to average assets | 2.1299% | 328 |
| Noninterest expense to average assets | 3.8611% | 778 |
| Loan and lease loss provision to assets | -0.5021% | 6,209 |
| Net operating income to assets | 5.8726% | 39 |
| Return on assets (ROA) | 5.9629% | 37 |
| Pretax return on assets | 2.6220% | 202 |
| Return on Equity (ROE) | 57.0913% | 12 |
| Retained earnings to average equity (ytd only) | 57.0913% | 4 |
| Net charge-offs to loans | -0.2203% | 6,017 |
| Credit loss provision to net charge-offs | 364.9635% | 815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5472% | 3,970 |
| Assets per employee ($millions) | 3.9162% | 4,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 2,103 |
| Loan loss allowance to noncurrent loans | 484.6154% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 4,961 |
| Noncurrent loans to loans | 0.3122% | 4,479 |
| Net loans and leases to total assets | 62.2604% | 3,570 |
| Net loans and leases to deposits | 71.3356% | 3,838 |
| Net loans and leases to core deposits | 73.7999% | 4,030 |
| Total domestic deposits to total assets | 87.2782% | 1,903 |
| Equity capital to assets | 12.5831% | 1,695 |
| Core capital (leverage) ratio | 11.1970% | 2,306 |
| Tier 1 risk-based capital ratio | 13.4088% | 4,189 |
| Total risk-based capital ratio | 14.6812% | 4,101 |
| Memoranda: | ||
| Average total assets | $132,772,500 | 3,882 |
| Average earning assets | $122,010,000 | 3,881 |
| Average equity | $13,867,500 | 4,043 |
| Average total loans | $82,926,500 | 3,778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,262 |
| Cost of funding earning assets | 0.1623% | 5,761 |
| Net interest margin | 4.1129% | 1,322 |
| Noninterest income to average assets | 0.5158% | 3,261 |
| Noninterest expense to average assets | 4.0302% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2640% | 5,542 |
| Return on assets (ROA) | 0.4024% | 5,235 |
| Pretax return on assets | 0.4055% | 5,453 |
| Return on Equity (ROE) | 4.1733% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.1733% | 3,374 |
| Net charge-offs to loans | -0.2374% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8156% | 529 |
| Assets per employee ($millions) | 3.6084% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 867 |
| Loan loss allowance to noncurrent loans | 638.0623% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 2,963 |
| Noncurrent loans to loans | 0.3276% | 4,519 |
| Net loans and leases to total assets | 66.4814% | 2,871 |
| Net loans and leases to deposits | 73.8580% | 3,504 |
| Net loans and leases to core deposits | 76.6201% | 3,706 |
| Total domestic deposits to total assets | 90.0124% | 660 |
| Equity capital to assets | 9.6173% | 4,509 |
| Core capital (leverage) ratio | 9.6989% | 4,002 |
| Tier 1 risk-based capital ratio | 11.9331% | 5,193 |
| Total risk-based capital ratio | 13.1893% | 5,090 |
| Memoranda: | ||
| Average total assets | $128,729,670 | 3,986 |
| Average earning assets | $118,310,330 | 3,981 |
| Average equity | $12,412,330 | 4,300 |
| Average total loans | $80,034,670 | 3,878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 2,985 |
| Cost of funding earning assets | 0.1662% | 5,804 |
| Net interest margin | 3.8961% | 1,909 |
| Noninterest income to average assets | 0.6711% | 2,302 |
| Noninterest expense to average assets | 4.0735% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1842% | 5,713 |
| Return on assets (ROA) | 0.3028% | 5,504 |
| Pretax return on assets | 0.3028% | 5,646 |
| Return on Equity (ROE) | 3.1361% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.1361% | 4,100 |
| Net charge-offs to loans | -0.1475% | 5,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6745% | 518 |
| Assets per employee ($millions) | 3.2863% | 5,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3030% | 700 |
| Loan loss allowance to noncurrent loans | 558.8050% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 2,979 |
| Noncurrent loans to loans | 0.4121% | 4,352 |
| Net loans and leases to total assets | 58.8171% | 3,829 |
| Net loans and leases to deposits | 65.2751% | 4,234 |
| Net loans and leases to core deposits | 68.0850% | 4,315 |
| Total domestic deposits to total assets | 90.1065% | 697 |
| Equity capital to assets | 9.7070% | 4,499 |
| Core capital (leverage) ratio | 9.5911% | 4,160 |
| Tier 1 risk-based capital ratio | 13.0468% | 4,577 |
| Total risk-based capital ratio | 14.3044% | 4,491 |
| Memoranda: | ||
| Average total assets | $128,144,000 | 4,024 |
| Average earning assets | $117,964,500 | 4,019 |
| Average equity | $12,372,000 | 4,343 |
| Average total loans | $75,950,000 | 4,025 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 4,032 |
| Cost of funding earning assets | 0.1849% | 5,880 |
| Net interest margin | 3.7421% | 2,838 |
| Noninterest income to average assets | 0.6594% | 2,511 |
| Noninterest expense to average assets | 4.0462% | 715 |
| Loan and lease loss provision to assets | -0.4006% | 6,421 |
| Net operating income to assets | 0.3854% | 5,269 |
| Return on assets (ROA) | 0.4110% | 5,248 |
| Pretax return on assets | 0.4126% | 5,450 |
| Return on Equity (ROE) | 4.9150% | 4,706 |
| Retained earnings to average equity (ytd only) | 4.9150% | 2,668 |
| Net charge-offs to loans | -0.8681% | 6,442 |
| Credit loss provision to net charge-offs | 79.6178% | 2,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3378% | 356 |
| Assets per employee ($millions) | 3.2031% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 680 |
| Loan loss allowance to noncurrent loans | 251.2931% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.1372% | 2,486 |
| Noncurrent loans to loans | 0.9312% | 2,989 |
| Net loans and leases to total assets | 56.9695% | 4,202 |
| Net loans and leases to deposits | 63.1552% | 4,616 |
| Net loans and leases to core deposits | 66.8000% | 4,612 |
| Total domestic deposits to total assets | 90.2055% | 649 |
| Equity capital to assets | 9.6025% | 4,588 |
| Core capital (leverage) ratio | 9.3633% | 4,449 |
| Tier 1 risk-based capital ratio | 14.0313% | 4,065 |
| Total risk-based capital ratio | 15.2915% | 3,986 |
| Memoranda: | ||
| Average total assets | $124,809,400 | 4,085 |
| Average earning assets | $112,504,800 | 4,122 |
| Average equity | $10,437,400 | 4,668 |
| Average total loans | $72,343,400 | 4,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 4,255 |
| Cost of funding earning assets | 0.1889% | 5,924 |
| Net interest margin | 3.6863% | 3,082 |
| Noninterest income to average assets | 0.7743% | 1,995 |
| Noninterest expense to average assets | 4.0252% | 733 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0634% | 6,067 |
| Return on assets (ROA) | 0.0634% | 6,098 |
| Pretax return on assets | 0.0656% | 6,100 |
| Return on Equity (ROE) | 0.7889% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.7889% | 5,564 |
| Net charge-offs to loans | -0.9998% | 6,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3964% | 421 |
| Assets per employee ($millions) | 3.5876% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9255% | 388 |
| Loan loss allowance to noncurrent loans | 328.1155% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 2.4304% | 1,103 |
| Noncurrent loans to loans | 0.8916% | 3,341 |
| Net loans and leases to total assets | 55.4694% | 4,401 |
| Net loans and leases to deposits | 61.1537% | 4,831 |
| Net loans and leases to core deposits | 64.6848% | 4,832 |
| Total domestic deposits to total assets | 90.7049% | 452 |
| Equity capital to assets | 9.1550% | 5,207 |
| Core capital (leverage) ratio | 9.3165% | 4,619 |
| Tier 1 risk-based capital ratio | 14.6529% | 3,783 |
| Total risk-based capital ratio | 15.9214% | 3,718 |
| Memoranda: | ||
| Average total assets | $123,981,000 | 4,137 |
| Average earning assets | $111,546,500 | 4,184 |
| Average equity | $9,971,000 | 4,795 |
| Average total loans | $71,744,250 | 4,166 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 4,405 |
| Cost of funding earning assets | 0.1949% | 5,951 |
| Net interest margin | 3.6364% | 3,204 |
| Noninterest income to average assets | 0.7509% | 2,041 |
| Noninterest expense to average assets | 4.0390% | 726 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0262% | 6,204 |
| Return on assets (ROA) | -0.0262% | 6,223 |
| Pretax return on assets | -0.0229% | 6,213 |
| Return on Equity (ROE) | -0.3421% | 6,230 |
| Retained earnings to average equity (ytd only) | -0.3421% | 5,739 |
| Net charge-offs to loans | -0.9007% | 6,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5703% | 387 |
| Assets per employee ($millions) | 3.5089% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6034% | 607 |
| Loan loss allowance to noncurrent loans | 612.3028% | 770 |
| Noncurrent assets plus other real estate owned to assets | 1.6700% | 1,942 |
| Noncurrent loans to loans | 0.4252% | 4,720 |
| Net loans and leases to total assets | 59.1257% | 3,845 |
| Net loans and leases to deposits | 65.5373% | 4,317 |
| Net loans and leases to core deposits | 70.1435% | 4,255 |
| Total domestic deposits to total assets | 90.2168% | 704 |
| Equity capital to assets | 9.6195% | 4,601 |
| Core capital (leverage) ratio | 9.7319% | 3,995 |
| Tier 1 risk-based capital ratio | 15.2985% | 3,470 |
| Total risk-based capital ratio | 16.5649% | 3,412 |
| Memoranda: | ||
| Average total assets | $122,256,670 | 4,189 |
| Average earning assets | $109,778,000 | 4,250 |
| Average equity | $9,353,330 | 4,948 |
| Average total loans | $71,059,000 | 4,200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 5,130 |
| Cost of funding earning assets | 0.2041% | 5,957 |
| Net interest margin | 3.4111% | 4,072 |
| Noninterest income to average assets | 0.4033% | 4,159 |
| Noninterest expense to average assets | 4.0171% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5444% | 6,487 |
| Return on assets (ROA) | -0.5444% | 6,483 |
| Pretax return on assets | -0.5444% | 6,468 |
| Return on Equity (ROE) | -8.1743% | 6,536 |
| Retained earnings to average equity (ytd only) | -8.1743% | 6,295 |
| Net charge-offs to loans | -0.8599% | 6,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.6752% | 215 |
| Assets per employee ($millions) | 3.4439% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4395% | 866 |
| Loan loss allowance to noncurrent loans | 245.1524% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 2,099 |
| Noncurrent loans to loans | 0.9951% | 3,428 |
| Net loans and leases to total assets | 57.0946% | 3,985 |
| Net loans and leases to deposits | 61.1408% | 4,650 |
| Net loans and leases to core deposits | 65.2409% | 4,576 |
| Total domestic deposits to total assets | 93.3821% | 84 |
| Equity capital to assets | 6.5058% | 6,521 |
| Core capital (leverage) ratio | 6.6505% | 6,526 |
| Tier 1 risk-based capital ratio | 10.5061% | 6,331 |
| Total risk-based capital ratio | 11.7696% | 6,294 |
| Memoranda: | ||
| Average total assets | $121,978,500 | 4,231 |
| Average earning assets | $109,760,500 | 4,278 |
| Average equity | $8,123,000 | 5,253 |
| Average total loans | $69,311,000 | 4,291 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,946 |
| Cost of funding earning assets | 0.2479% | 5,977 |
| Net interest margin | 3.7943% | 2,675 |
| Noninterest income to average assets | 0.9911% | 1,418 |
| Noninterest expense to average assets | 4.5092% | 526 |
| Loan and lease loss provision to assets | -1.0217% | 6,795 |
| Net operating income to assets | 0.8514% | 3,023 |
| Return on assets (ROA) | 0.8514% | 3,102 |
| Pretax return on assets | 0.8531% | 3,948 |
| Return on Equity (ROE) | 13.2079% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.2079% | 238 |
| Net charge-offs to loans | 0.2060% | 2,818 |
| Credit loss provision to net charge-offs | -863.3094% | 6,208 |
| Earnings coverage of net charge-offs (x) | -1.4245% | 5,295 |
| Efficiency ratio | 103.8839% | 372 |
| Assets per employee ($millions) | 3.0763% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4536% | 871 |
| Loan loss allowance to noncurrent loans | 155.7157% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 2.0054% | 1,790 |
| Noncurrent loans to loans | 1.5757% | 2,534 |
| Net loans and leases to total assets | 53.7145% | 4,620 |
| Net loans and leases to deposits | 57.7300% | 5,151 |
| Net loans and leases to core deposits | 61.7552% | 5,085 |
| Total domestic deposits to total assets | 93.0444% | 131 |
| Equity capital to assets | 6.8181% | 6,505 |
| Core capital (leverage) ratio | 6.7656% | 6,565 |
| Tier 1 risk-based capital ratio | 11.6617% | 5,817 |
| Total risk-based capital ratio | 12.9253% | 5,749 |
| Memoranda: | ||
| Average total assets | $117,449,200 | 4,329 |
| Average earning assets | $103,682,200 | 4,418 |
| Average equity | $7,571,200 | 5,442 |
| Average total loans | $67,461,400 | 4,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1560% | 3,544 |
| Cost of funding earning assets | 0.2562% | 6,043 |
| Net interest margin | 3.8998% | 2,275 |
| Noninterest income to average assets | 1.2030% | 1,010 |
| Noninterest expense to average assets | 4.4581% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1655% | 6,004 |
| Return on assets (ROA) | 0.1655% | 6,071 |
| Pretax return on assets | 0.1678% | 6,101 |
| Return on Equity (ROE) | 2.6059% | 5,744 |
| Retained earnings to average equity (ytd only) | 2.6059% | 4,763 |
| Net charge-offs to loans | 0.6823% | 883 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.4236% | 4,722 |
| Efficiency ratio | 96.3731% | 604 |
| Assets per employee ($millions) | 2.9470% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7565% | 276 |
| Loan loss allowance to noncurrent loans | 789.4260% | 597 |
| Noncurrent assets plus other real estate owned to assets | 1.4437% | 2,786 |
| Noncurrent loans to loans | 0.4758% | 5,008 |
| Net loans and leases to total assets | 54.0877% | 4,598 |
| Net loans and leases to deposits | 57.6498% | 5,222 |
| Net loans and leases to core deposits | 61.9278% | 5,124 |
| Total domestic deposits to total assets | 93.8210% | 81 |
| Equity capital to assets | 5.9721% | 6,699 |
| Core capital (leverage) ratio | 6.1114% | 6,704 |
| Tier 1 risk-based capital ratio | 10.3046% | 6,507 |
| Total risk-based capital ratio | 11.5882% | 6,465 |
| Memoranda: | ||
| Average total assets | $116,817,750 | 4,385 |
| Average earning assets | $102,533,000 | 4,488 |
| Average equity | $7,419,000 | 5,535 |
| Average total loans | $67,810,500 | 4,378 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,477 |
| Cost of funding earning assets | 0.2629% | 6,089 |
| Net interest margin | 4.1610% | 1,375 |
| Noninterest income to average assets | 1.3240% | 886 |
| Noninterest expense to average assets | 4.6271% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3144% | 5,550 |
| Return on assets (ROA) | 0.3144% | 5,701 |
| Pretax return on assets | 0.3179% | 5,824 |
| Return on Equity (ROE) | 4.8465% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.8465% | 3,149 |
| Net charge-offs to loans | 0.0089% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 696 |
| Efficiency ratio | 93.5712% | 782 |
| Assets per employee ($millions) | 2.8421% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7704% | 139 |
| Loan loss allowance to noncurrent loans | 432.3099% | 992 |
| Noncurrent assets plus other real estate owned to assets | 1.8365% | 2,362 |
| Noncurrent loans to loans | 1.1035% | 3,725 |
| Net loans and leases to total assets | 50.6578% | 5,042 |
| Net loans and leases to deposits | 54.2441% | 5,504 |
| Net loans and leases to core deposits | 58.1383% | 5,408 |
| Total domestic deposits to total assets | 93.3885% | 92 |
| Equity capital to assets | 6.3720% | 6,708 |
| Core capital (leverage) ratio | 6.4340% | 6,707 |
| Tier 1 risk-based capital ratio | 11.8612% | 5,871 |
| Total risk-based capital ratio | 13.1545% | 5,801 |
| Memoranda: | ||
| Average total assets | $114,498,670 | 4,475 |
| Average earning assets | $99,640,330 | 4,593 |
| Average equity | $7,428,000 | 5,580 |
| Average total loans | $67,227,330 | 4,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,446 |
| Cost of funding earning assets | 0.2739% | 6,140 |
| Net interest margin | 4.4599% | 725 |
| Noninterest income to average assets | 2.7140% | 283 |
| Noninterest expense to average assets | 5.2659% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2936% | 1,295 |
| Return on assets (ROA) | 1.2936% | 1,396 |
| Pretax return on assets | 1.2936% | 2,256 |
| Return on Equity (ROE) | 19.7591% | 312 |
| Retained earnings to average equity (ytd only) | 19.7591% | 150 |
| Net charge-offs to loans | 0.0401% | 3,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 52.4286% | 651 |
| Efficiency ratio | 80.2794% | 2,290 |
| Assets per employee ($millions) | 2.6682% | 6,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4617% | 202 |
| Loan loss allowance to noncurrent loans | 223.8817% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 2.4186% | 1,921 |
| Noncurrent loans to loans | 1.9929% | 2,624 |
| Net loans and leases to total assets | 55.1118% | 4,220 |
| Net loans and leases to deposits | 59.5713% | 4,849 |
| Net loans and leases to core deposits | 62.9556% | 4,852 |
| Total domestic deposits to total assets | 92.5140% | 175 |
| Equity capital to assets | 6.6345% | 6,773 |
| Core capital (leverage) ratio | 6.8289% | 6,687 |
| Tier 1 risk-based capital ratio | 11.3633% | 6,252 |
| Total risk-based capital ratio | 12.6542% | 6,212 |
| Memoranda: | ||
| Average total assets | $113,485,500 | 4,535 |
| Average earning assets | $97,849,000 | 4,689 |
| Average equity | $7,429,500 | 5,636 |
| Average total loans | $69,848,000 | 4,348 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 4,211 |
| Cost of funding earning assets | 0.3906% | 5,976 |
| Net interest margin | 3.9038% | 2,811 |
| Noninterest income to average assets | 1.2178% | 1,052 |
| Noninterest expense to average assets | 4.5778% | 533 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0683% | 6,061 |
| Return on assets (ROA) | 0.0683% | 6,207 |
| Pretax return on assets | 0.0699% | 6,194 |
| Return on Equity (ROE) | 1.2548% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.2548% | 5,241 |
| Net charge-offs to loans | 1.0007% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.1159% | 5,433 |
| Efficiency ratio | 98.4966% | 609 |
| Assets per employee ($millions) | 2.4399% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0266% | 282 |
| Loan loss allowance to noncurrent loans | 155.7895% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 3.2022% | 1,452 |
| Noncurrent loans to loans | 2.5846% | 2,049 |
| Net loans and leases to total assets | 62.8590% | 3,087 |
| Net loans and leases to deposits | 67.4155% | 4,062 |
| Net loans and leases to core deposits | 72.3630% | 3,999 |
| Total domestic deposits to total assets | 93.2411% | 107 |
| Equity capital to assets | 6.4569% | 6,849 |
| Core capital (leverage) ratio | 5.2084% | 6,922 |
| Tier 1 risk-based capital ratio | 10.1776% | 6,655 |
| Total risk-based capital ratio | 11.4652% | 6,608 |
| Memoranda: | ||
| Average total assets | $130,237,800 | 4,143 |
| Average earning assets | $114,426,000 | 4,237 |
| Average equity | $7,093,000 | 5,738 |
| Average total loans | $78,445,600 | 4,084 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 4,788 |
| Cost of funding earning assets | 0.3938% | 6,155 |
| Net interest margin | 3.8160% | 3,261 |
| Noninterest income to average assets | 0.9094% | 1,797 |
| Noninterest expense to average assets | 4.3906% | 609 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1178% | 6,420 |
| Return on assets (ROA) | -0.1178% | 6,508 |
| Pretax return on assets | -0.1158% | 6,488 |
| Return on Equity (ROE) | -2.2491% | 6,586 |
| Retained earnings to average equity (ytd only) | -2.2491% | 6,419 |
| Net charge-offs to loans | 1.3085% | 721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1496% | 5,398 |
| Efficiency ratio | 102.7083% | 455 |
| Assets per employee ($millions) | 3.1555% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0078% | 305 |
| Loan loss allowance to noncurrent loans | 155.4565% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 2.5402% | 2,080 |
| Noncurrent loans to loans | 2.5781% | 2,215 |
| Net loans and leases to total assets | 49.9782% | 5,315 |
| Net loans and leases to deposits | 52.7420% | 5,912 |
| Net loans and leases to core deposits | 56.3848% | 5,863 |
| Total domestic deposits to total assets | 94.7597% | 48 |
| Equity capital to assets | 4.9572% | 7,053 |
| Core capital (leverage) ratio | 5.0082% | 7,029 |
| Tier 1 risk-based capital ratio | 9.4565% | 6,907 |
| Total risk-based capital ratio | 10.7418% | 6,891 |
| Memoranda: | ||
| Average total assets | $134,738,000 | 4,085 |
| Average earning assets | $118,830,250 | 4,180 |
| Average equity | $7,054,500 | 5,813 |
| Average total loans | $79,679,250 | 4,090 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 4,489 |
| Cost of funding earning assets | 0.4066% | 6,229 |
| Net interest margin | 3.9131% | 2,854 |
| Noninterest income to average assets | 0.9250% | 1,688 |
| Noninterest expense to average assets | 4.4861% | 561 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1315% | 6,467 |
| Return on assets (ROA) | -0.1315% | 6,558 |
| Pretax return on assets | -0.1285% | 6,538 |
| Return on Equity (ROE) | -2.4647% | 6,642 |
| Retained earnings to average equity (ytd only) | -2.4647% | 6,407 |
| Net charge-offs to loans | 1.0295% | 1,068 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2024% | 5,163 |
| Efficiency ratio | 102.9483% | 463 |
| Assets per employee ($millions) | 2.8569% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2188% | 297 |
| Loan loss allowance to noncurrent loans | 78.9037% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 4.5541% | 1,084 |
| Noncurrent loans to loans | 5.3468% | 887 |
| Net loans and leases to total assets | 56.2190% | 4,432 |
| Net loans and leases to deposits | 59.5111% | 5,292 |
| Net loans and leases to core deposits | 63.8808% | 5,223 |
| Total domestic deposits to total assets | 94.4681% | 68 |
| Equity capital to assets | 5.2653% | 7,085 |
| Core capital (leverage) ratio | 5.3602% | 7,042 |
| Tier 1 risk-based capital ratio | 9.0370% | 6,978 |
| Total risk-based capital ratio | 10.3256% | 6,974 |
| Memoranda: | ||
| Average total assets | $132,318,670 | 4,155 |
| Average earning assets | $116,070,670 | 4,272 |
| Average equity | $7,059,670 | 5,831 |
| Average total loans | $81,595,670 | 4,050 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 3,888 |
| Cost of funding earning assets | 0.4238% | 6,291 |
| Net interest margin | 4.0808% | 2,167 |
| Noninterest income to average assets | 0.7340% | 2,474 |
| Noninterest expense to average assets | 4.9094% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6274% | 6,885 |
| Return on assets (ROA) | -0.6274% | 6,907 |
| Pretax return on assets | -0.6274% | 6,876 |
| Return on Equity (ROE) | -11.6805% | 7,022 |
| Retained earnings to average equity (ytd only) | -11.6805% | 6,889 |
| Net charge-offs to loans | 0.5302% | 1,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -1.8727% | 4,606 |
| Efficiency ratio | 114.6515% | 279 |
| Assets per employee ($millions) | 2.8372% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3909% | 267 |
| Loan loss allowance to noncurrent loans | 108.6697% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 3.9904% | 1,384 |
| Noncurrent loans to loans | 4.0406% | 1,507 |
| Net loans and leases to total assets | 60.6453% | 3,524 |
| Net loans and leases to deposits | 64.2284% | 4,599 |
| Net loans and leases to core deposits | 68.9514% | 4,569 |
| Total domestic deposits to total assets | 94.4212% | 74 |
| Equity capital to assets | 5.3259% | 7,118 |
| Core capital (leverage) ratio | 5.2563% | 7,095 |
| Tier 1 risk-based capital ratio | 8.6315% | 7,069 |
| Total risk-based capital ratio | 9.9222% | 7,068 |
| Memoranda: | ||
| Average total assets | $131,340,500 | 4,207 |
| Average earning assets | $114,193,000 | 4,334 |
| Average equity | $7,054,500 | 5,854 |
| Average total loans | $82,987,000 | 4,044 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 5,440 |
| Cost of funding earning assets | 0.5020% | 6,524 |
| Net interest margin | 3.8945% | 3,360 |
| Noninterest income to average assets | 0.8369% | 1,898 |
| Noninterest expense to average assets | 5.2539% | 311 |
| Loan and lease loss provision to assets | 1.0342% | 911 |
| Net operating income to assets | -2.0545% | 7,035 |
| Return on assets (ROA) | -2.0545% | 7,047 |
| Pretax return on assets | -2.0545% | 7,038 |
| Return on Equity (ROE) | -31.7949% | 7,108 |
| Retained earnings to average equity (ytd only) | -31.7949% | 7,101 |
| Net charge-offs to loans | 1.6594% | 937 |
| Credit loss provision to net charge-offs | 94.7581% | 3,808 |
| Earnings coverage of net charge-offs (x) | -0.9348% | 6,185 |
| Efficiency ratio | 124.0991% | 274 |
| Assets per employee ($millions) | 2.5915% | 6,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5018% | 256 |
| Loan loss allowance to noncurrent loans | 95.7801% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 4.3679% | 1,266 |
| Noncurrent loans to loans | 4.7001% | 1,253 |
| Net loans and leases to total assets | 60.1083% | 3,971 |
| Net loans and leases to deposits | 63.8443% | 5,037 |
| Net loans and leases to core deposits | 63.8443% | 5,481 |
| Total domestic deposits to total assets | 94.1484% | 86 |
| Equity capital to assets | 5.4158% | 7,141 |
| Core capital (leverage) ratio | 5.2100% | 7,123 |
| Tier 1 risk-based capital ratio | 8.7355% | 7,057 |
| Total risk-based capital ratio | 10.0274% | 7,056 |
| Memoranda: | ||
| Average total assets | $136,338,000 | 4,044 |
| Average earning assets | $118,912,800 | 4,161 |
| Average equity | $8,809,600 | 5,335 |
| Average total loans | $89,672,400 | 3,864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4363% | 5,476 |
| Cost of funding earning assets | 0.5219% | 6,616 |
| Net interest margin | 3.9145% | 3,308 |
| Noninterest income to average assets | 0.5163% | 3,749 |
| Noninterest expense to average assets | 4.7798% | 449 |
| Loan and lease loss provision to assets | 0.7619% | 1,243 |
| Net operating income to assets | -1.6266% | 7,069 |
| Return on assets (ROA) | -1.6266% | 7,078 |
| Pretax return on assets | -1.6256% | 7,043 |
| Return on Equity (ROE) | -24.2300% | 7,160 |
| Retained earnings to average equity (ytd only) | -24.2300% | 7,149 |
| Net charge-offs to loans | 1.1056% | 1,436 |
| Credit loss provision to net charge-offs | 103.6988% | 3,210 |
| Earnings coverage of net charge-offs (x) | -1.1757% | 5,951 |
| Efficiency ratio | 122.0570% | 288 |
| Assets per employee ($millions) | 2.6603% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6511% | 235 |
| Loan loss allowance to noncurrent loans | 71.3016% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 6.5759% | 778 |
| Noncurrent loans to loans | 6.5231% | 807 |
| Net loans and leases to total assets | 58.1875% | 4,480 |
| Net loans and leases to deposits | 62.2949% | 5,364 |
| Net loans and leases to core deposits | 66.7408% | 5,336 |
| Total domestic deposits to total assets | 93.4064% | 110 |
| Equity capital to assets | 6.1049% | 7,176 |
| Core capital (leverage) ratio | 6.0566% | 7,129 |
| Tier 1 risk-based capital ratio | 9.6542% | 7,030 |
| Total risk-based capital ratio | 10.9451% | 7,020 |
| Memoranda: | ||
| Average total assets | $137,380,500 | 4,052 |
| Average earning assets | $119,315,500 | 4,170 |
| Average equity | $9,222,500 | 5,254 |
| Average total loans | $91,293,250 | 3,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5284% | 5,268 |
| Cost of funding earning assets | 0.5489% | 6,669 |
| Net interest margin | 3.9795% | 2,941 |
| Noninterest income to average assets | 0.5379% | 3,576 |
| Noninterest expense to average assets | 4.8438% | 417 |
| Loan and lease loss provision to assets | 1.1381% | 702 |
| Net operating income to assets | -1.9993% | 7,188 |
| Return on assets (ROA) | -1.9993% | 7,190 |
| Pretax return on assets | -1.9964% | 7,160 |
| Return on Equity (ROE) | -28.9230% | 7,231 |
| Retained earnings to average equity (ytd only) | -28.9230% | 7,223 |
| Net charge-offs to loans | 1.5490% | 949 |
| Credit loss provision to net charge-offs | 107.6818% | 2,858 |
| Earnings coverage of net charge-offs (x) | -0.8121% | 5,606 |
| Efficiency ratio | 121.5351% | 332 |
| Assets per employee ($millions) | 2.6140% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4990% | 275 |
| Loan loss allowance to noncurrent loans | 64.2431% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 7.0757% | 715 |
| Noncurrent loans to loans | 7.0031% | 739 |
| Net loans and leases to total assets | 61.7635% | 3,936 |
| Net loans and leases to deposits | 66.3465% | 4,950 |
| Net loans and leases to core deposits | 71.5459% | 4,875 |
| Total domestic deposits to total assets | 93.0923% | 130 |
| Equity capital to assets | 6.4359% | 7,197 |
| Core capital (leverage) ratio | 6.2531% | 7,162 |
| Tier 1 risk-based capital ratio | 9.7498% | 7,046 |
| Total risk-based capital ratio | 11.0379% | 7,035 |
| Memoranda: | ||
| Average total assets | $137,948,330 | 4,064 |
| Average earning assets | $119,513,000 | 4,194 |
| Average equity | $9,535,670 | 5,175 |
| Average total loans | $94,125,000 | 3,835 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 4,831 |
| Cost of funding earning assets | 0.5513% | 6,799 |
| Net interest margin | 4.0770% | 2,354 |
| Noninterest income to average assets | 1.4259% | 632 |
| Noninterest expense to average assets | 4.6369% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3108% | 5,355 |
| Return on assets (ROA) | 0.3108% | 5,425 |
| Pretax return on assets | 0.3108% | 5,622 |
| Return on Equity (ROE) | 4.3541% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.3541% | 3,556 |
| Net charge-offs to loans | 1.4193% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.3132% | 4,382 |
| Efficiency ratio | 93.7176% | 1,052 |
| Assets per employee ($millions) | 2.6351% | 6,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7425% | 511 |
| Loan loss allowance to noncurrent loans | 55.6089% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 7.3957% | 690 |
| Noncurrent loans to loans | 6.7301% | 859 |
| Net loans and leases to total assets | 63.9952% | 3,442 |
| Net loans and leases to deposits | 69.2909% | 4,472 |
| Net loans and leases to core deposits | 75.2927% | 4,379 |
| Total domestic deposits to total assets | 92.3573% | 199 |
| Equity capital to assets | 7.2088% | 7,007 |
| Core capital (leverage) ratio | 6.9604% | 7,026 |
| Tier 1 risk-based capital ratio | 10.0203% | 6,997 |
| Total risk-based capital ratio | 11.2979% | 6,986 |
| Memoranda: | ||
| Average total assets | $140,265,000 | 4,062 |
| Average earning assets | $121,167,500 | 4,194 |
| Average equity | $10,013,500 | 5,051 |
| Average total loans | $98,078,000 | 3,770 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 3,120 |
| Cost of funding earning assets | 0.6647% | 6,972 |
| Net interest margin | 4.6377% | 933 |
| Noninterest income to average assets | 0.5788% | 3,592 |
| Noninterest expense to average assets | 4.4885% | 660 |
| Loan and lease loss provision to assets | 3.2418% | 265 |
| Net operating income to assets | -3.1047% | 7,316 |
| Return on assets (ROA) | -3.1047% | 7,333 |
| Pretax return on assets | -3.1087% | 7,313 |
| Return on Equity (ROE) | -36.3290% | 7,302 |
| Retained earnings to average equity (ytd only) | -36.3290% | 7,293 |
| Net charge-offs to loans | 4.1575% | 292 |
| Credit loss provision to net charge-offs | 104.6436% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.0429% | 6,075 |
| Efficiency ratio | 97.1211% | 912 |
| Assets per employee ($millions) | 2.6579% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7007% | 512 |
| Loan loss allowance to noncurrent loans | 56.2537% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 7.9330% | 628 |
| Noncurrent loans to loans | 6.5786% | 901 |
| Net loans and leases to total assets | 70.6200% | 2,387 |
| Net loans and leases to deposits | 76.3418% | 3,787 |
| Net loans and leases to core deposits | 83.4915% | 3,667 |
| Total domestic deposits to total assets | 92.5050% | 185 |
| Equity capital to assets | 7.0697% | 7,090 |
| Core capital (leverage) ratio | 6.8405% | 7,091 |
| Tier 1 risk-based capital ratio | 9.6660% | 7,088 |
| Total risk-based capital ratio | 10.9468% | 7,084 |
| Memoranda: | ||
| Average total assets | $148,067,200 | 3,908 |
| Average earning assets | $129,071,800 | 4,040 |
| Average equity | $12,653,800 | 4,444 |
| Average total loans | $110,331,200 | 3,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3353% | 3,188 |
| Cost of funding earning assets | 0.6855% | 7,097 |
| Net interest margin | 4.6498% | 941 |
| Noninterest income to average assets | 0.4359% | 4,668 |
| Noninterest expense to average assets | 3.9865% | 1,060 |
| Loan and lease loss provision to assets | 2.3576% | 461 |
| Net operating income to assets | -1.8647% | 7,202 |
| Return on assets (ROA) | -1.8647% | 7,213 |
| Pretax return on assets | -1.8647% | 7,156 |
| Return on Equity (ROE) | -20.9687% | 7,244 |
| Retained earnings to average equity (ytd only) | -20.9687% | 7,230 |
| Net charge-offs to loans | 2.3172% | 765 |
| Credit loss provision to net charge-offs | 136.0370% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.2844% | 5,743 |
| Efficiency ratio | 88.9970% | 1,368 |
| Assets per employee ($millions) | 2.7701% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0084% | 366 |
| Loan loss allowance to noncurrent loans | 43.5732% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 10.2170% | 391 |
| Noncurrent loans to loans | 9.1993% | 510 |
| Net loans and leases to total assets | 70.3346% | 2,655 |
| Net loans and leases to deposits | 78.1020% | 3,810 |
| Net loans and leases to core deposits | 86.2110% | 3,620 |
| Total domestic deposits to total assets | 90.0548% | 848 |
| Equity capital to assets | 8.4835% | 6,292 |
| Core capital (leverage) ratio | 8.5029% | 5,500 |
| Tier 1 risk-based capital ratio | 10.8904% | 6,469 |
| Total risk-based capital ratio | 12.1717% | 6,423 |
| Memoranda: | ||
| Average total assets | $149,867,000 | 3,928 |
| Average earning assets | $130,324,500 | 4,058 |
| Average equity | $13,327,500 | 4,365 |
| Average total loans | $112,088,000 | 3,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2561% | 3,682 |
| Cost of funding earning assets | 0.7082% | 7,179 |
| Net interest margin | 4.5479% | 1,105 |
| Noninterest income to average assets | 0.4547% | 4,473 |
| Noninterest expense to average assets | 3.9328% | 1,136 |
| Loan and lease loss provision to assets | 3.4371% | 256 |
| Net operating income to assets | -2.9572% | 7,503 |
| Return on assets (ROA) | -2.9572% | 7,511 |
| Pretax return on assets | -2.9572% | 7,461 |
| Return on Equity (ROE) | -32.7647% | 7,465 |
| Retained earnings to average equity (ytd only) | -32.7647% | 7,455 |
| Net charge-offs to loans | 2.1304% | 849 |
| Credit loss provision to net charge-offs | 214.2975% | 1,817 |
| Earnings coverage of net charge-offs (x) | 0.2992% | 5,429 |
| Efficiency ratio | 89.1259% | 1,403 |
| Assets per employee ($millions) | 2.6451% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5833% | 235 |
| Loan loss allowance to noncurrent loans | 47.7069% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 10.2440% | 387 |
| Noncurrent loans to loans | 9.6073% | 475 |
| Net loans and leases to total assets | 71.4497% | 2,550 |
| Net loans and leases to deposits | 78.2547% | 3,923 |
| Net loans and leases to core deposits | 85.5106% | 3,906 |
| Total domestic deposits to total assets | 91.3040% | 384 |
| Equity capital to assets | 8.4651% | 6,209 |
| Core capital (leverage) ratio | 8.1161% | 6,093 |
| Tier 1 risk-based capital ratio | 10.9474% | 6,296 |
| Total risk-based capital ratio | 12.2379% | 6,236 |
| Memoranda: | ||
| Average total assets | $150,884,670 | 3,937 |
| Average earning assets | $131,313,670 | 4,069 |
| Average equity | $13,618,330 | 4,288 |
| Average total loans | $113,593,000 | 3,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 3,163 |
| Cost of funding earning assets | 0.7098% | 7,311 |
| Net interest margin | 4.6661% | 838 |
| Noninterest income to average assets | 0.3490% | 5,351 |
| Noninterest expense to average assets | 3.7321% | 1,451 |
| Loan and lease loss provision to assets | 1.3022% | 927 |
| Net operating income to assets | -0.6277% | 6,919 |
| Return on assets (ROA) | -0.6277% | 6,946 |
| Pretax return on assets | -0.6277% | 6,858 |
| Return on Equity (ROE) | -6.7554% | 6,973 |
| Retained earnings to average equity (ytd only) | -6.7554% | 6,711 |
| Net charge-offs to loans | 1.8219% | 947 |
| Credit loss provision to net charge-offs | 94.6970% | 3,552 |
| Earnings coverage of net charge-offs (x) | 0.4905% | 4,589 |
| Efficiency ratio | 84.6927% | 1,949 |
| Assets per employee ($millions) | 3.0638% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0971% | 760 |
| Loan loss allowance to noncurrent loans | 55.6125% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 7.1898% | 739 |
| Noncurrent loans to loans | 5.5691% | 1,246 |
| Net loans and leases to total assets | 73.1600% | 2,164 |
| Net loans and leases to deposits | 80.8269% | 3,489 |
| Net loans and leases to core deposits | 89.5331% | 3,425 |
| Total domestic deposits to total assets | 90.5143% | 727 |
| Equity capital to assets | 9.2383% | 4,932 |
| Core capital (leverage) ratio | 9.3490% | 3,974 |
| Tier 1 risk-based capital ratio | 11.6058% | 5,572 |
| Total risk-based capital ratio | 12.8775% | 5,509 |
| Memoranda: | ||
| Average total assets | $153,587,000 | 3,950 |
| Average earning assets | $133,560,000 | 4,087 |
| Average equity | $14,270,000 | 4,175 |
| Average total loans | $115,920,500 | 3,545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4798% | 4,253 |
| Cost of funding earning assets | 1.9000% | 3,463 |
| Net interest margin | 3.5798% | 4,619 |
| Noninterest income to average assets | 0.0162% | 7,633 |
| Noninterest expense to average assets | 3.7236% | 1,854 |
| Loan and lease loss provision to assets | 2.1814% | 956 |
| Net operating income to assets | -2.7451% | 7,334 |
| Return on assets (ROA) | -2.7451% | 7,346 |
| Pretax return on assets | -2.8587% | 7,256 |
| Return on Equity (ROE) | -29.3498% | 7,395 |
| Retained earnings to average equity (ytd only) | -29.3498% | 7,377 |
| Net charge-offs to loans | 2.5398% | 902 |
| Credit loss provision to net charge-offs | 115.7754% | 4,699 |
| Earnings coverage of net charge-offs (x) | -0.3595% | 6,587 |
| Efficiency ratio | 122.2345% | 573 |
| Assets per employee ($millions) | 2.9054% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1062% | 713 |
| Loan loss allowance to noncurrent loans | 116.3818% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 5.2603% | 1,127 |
| Noncurrent loans to loans | 2.6690% | 2,873 |
| Net loans and leases to total assets | 73.1091% | 2,477 |
| Net loans and leases to deposits | 80.9249% | 3,813 |
| Net loans and leases to core deposits | 111.8189% | 2,714 |
| Total domestic deposits to total assets | 90.3419% | 813 |
| Equity capital to assets | 9.3438% | 4,642 |
| Core capital (leverage) ratio | 8.2929% | 5,635 |
| Tier 1 risk-based capital ratio | 11.7050% | 5,190 |
| Total risk-based capital ratio | 12.9765% | 5,136 |
| Memoranda: | ||
| Average total assets | $178,645,800 | 3,462 |
| Average earning assets | $151,210,200 | 3,687 |
| Average equity | $16,708,800 | 3,729 |
| Average total loans | $132,530,400 | 3,219 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4792% | 4,524 |
| Cost of funding earning assets | 1.9066% | 3,849 |
| Net interest margin | 3.5726% | 4,581 |
| Noninterest income to average assets | 0.2886% | 6,171 |
| Noninterest expense to average assets | 3.7176% | 1,777 |
| Loan and lease loss provision to assets | 1.1363% | 1,718 |
| Net operating income to assets | -1.3036% | 7,015 |
| Return on assets (ROA) | -1.3036% | 7,015 |
| Pretax return on assets | -1.5547% | 6,993 |
| Return on Equity (ROE) | -13.9353% | 7,129 |
| Retained earnings to average equity (ytd only) | -13.9353% | 7,070 |
| Net charge-offs to loans | 1.3624% | 1,511 |
| Credit loss provision to net charge-offs | 112.8223% | 4,500 |
| Earnings coverage of net charge-offs (x) | -0.4155% | 6,436 |
| Efficiency ratio | 112.6831% | 718 |
| Assets per employee ($millions) | 3.2499% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 970 |
| Loan loss allowance to noncurrent loans | 177.1071% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 4.3521% | 1,416 |
| Noncurrent loans to loans | 1.4659% | 4,486 |
| Net loans and leases to total assets | 68.3617% | 3,875 |
| Net loans and leases to deposits | 80.7122% | 4,248 |
| Net loans and leases to core deposits | 115.6072% | 2,664 |
| Total domestic deposits to total assets | 84.6981% | 3,374 |
| Equity capital to assets | 9.4253% | 4,851 |
| Core capital (leverage) ratio | 9.1121% | 4,473 |
| Tier 1 risk-based capital ratio | 12.4369% | 4,597 |
| Total risk-based capital ratio | 13.7021% | 4,534 |
| Memoranda: | ||
| Average total assets | $184,811,000 | 3,390 |
| Average earning assets | $155,737,250 | 3,622 |
| Average equity | $17,289,000 | 3,647 |
| Average total loans | $136,616,500 | 3,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5334% | 4,425 |
| Cost of funding earning assets | 2.1069% | 3,232 |
| Net interest margin | 3.4266% | 5,075 |
| Noninterest income to average assets | 0.2805% | 6,262 |
| Noninterest expense to average assets | 3.8612% | 1,554 |
| Loan and lease loss provision to assets | 1.6860% | 997 |
| Net operating income to assets | -2.0425% | 7,439 |
| Return on assets (ROA) | -2.0425% | 7,431 |
| Pretax return on assets | -2.4150% | 7,399 |
| Return on Equity (ROE) | -21.8853% | 7,557 |
| Retained earnings to average equity (ytd only) | -21.8853% | 7,511 |
| Net charge-offs to loans | 1.6873% | 1,126 |
| Credit loss provision to net charge-offs | 133.0236% | 3,509 |
| Earnings coverage of net charge-offs (x) | -0.5752% | 6,114 |
| Efficiency ratio | 123.2741% | 616 |
| Assets per employee ($millions) | 3.5242% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5837% | 836 |
| Loan loss allowance to noncurrent loans | 127.1162% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 4.9615% | 1,074 |
| Noncurrent loans to loans | 2.0325% | 3,470 |
| Net loans and leases to total assets | 70.0268% | 3,704 |
| Net loans and leases to deposits | 82.0218% | 4,218 |
| Net loans and leases to core deposits | 125.4626% | 1,917 |
| Total domestic deposits to total assets | 85.3758% | 3,077 |
| Equity capital to assets | 8.9619% | 5,371 |
| Core capital (leverage) ratio | 8.7577% | 4,995 |
| Tier 1 risk-based capital ratio | 11.4342% | 5,463 |
| Total risk-based capital ratio | 12.6984% | 5,362 |
| Memoranda: | ||
| Average total assets | $186,834,000 | 3,379 |
| Average earning assets | $155,491,330 | 3,640 |
| Average equity | $17,436,330 | 3,632 |
| Average total loans | $140,339,330 | 3,137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 3,705 |
| Cost of funding earning assets | 2.2820% | 2,783 |
| Net interest margin | 3.4349% | 4,994 |
| Noninterest income to average assets | 0.2612% | 6,365 |
| Noninterest expense to average assets | 3.7975% | 1,476 |
| Loan and lease loss provision to assets | 1.0703% | 1,225 |
| Net operating income to assets | -1.0810% | 7,300 |
| Return on assets (ROA) | -1.0810% | 7,312 |
| Pretax return on assets | -1.8260% | 7,481 |
| Return on Equity (ROE) | -11.3579% | 7,444 |
| Retained earnings to average equity (ytd only) | -11.3579% | 7,230 |
| Net charge-offs to loans | 1.2638% | 1,113 |
| Credit loss provision to net charge-offs | 110.3753% | 3,496 |
| Earnings coverage of net charge-offs (x) | -0.7792% | 5,319 |
| Efficiency ratio | 124.8417% | 573 |
| Assets per employee ($millions) | 3.1335% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1957% | 1,088 |
| Loan loss allowance to noncurrent loans | 36.8049% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 5.3023% | 824 |
| Noncurrent loans to loans | 5.9657% | 811 |
| Net loans and leases to total assets | 74.0148% | 2,751 |
| Net loans and leases to deposits | 88.6107% | 3,176 |
| Net loans and leases to core deposits | 131.6992% | 1,556 |
| Total domestic deposits to total assets | 83.5281% | 3,911 |
| Equity capital to assets | 9.3250% | 4,901 |
| Core capital (leverage) ratio | 9.2986% | 4,249 |
| Tier 1 risk-based capital ratio | 11.6587% | 5,249 |
| Total risk-based capital ratio | 12.9194% | 5,149 |
| Memoranda: | ||
| Average total assets | $186,861,000 | 3,401 |
| Average earning assets | $151,270,500 | 3,723 |
| Average equity | $17,785,000 | 3,598 |
| Average total loans | $143,376,500 | 3,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0689% | 5,212 |
| Cost of funding earning assets | 2.0684% | 6,168 |
| Net interest margin | 4.0004% | 3,109 |
| Noninterest income to average assets | 0.3084% | 6,244 |
| Noninterest expense to average assets | 3.6913% | 1,965 |
| Loan and lease loss provision to assets | 1.9534% | 627 |
| Net operating income to assets | -1.0878% | 7,287 |
| Return on assets (ROA) | -1.0627% | 7,208 |
| Pretax return on assets | -1.7798% | 7,369 |
| Return on Equity (ROE) | -10.8310% | 7,329 |
| Retained earnings to average equity (ytd only) | -10.8310% | 7,145 |
| Net charge-offs to loans | 1.4290% | 818 |
| Credit loss provision to net charge-offs | 176.1608% | 2,880 |
| Earnings coverage of net charge-offs (x) | 0.1211% | 6,175 |
| Efficiency ratio | 96.4895% | 1,126 |
| Assets per employee ($millions) | 3.0952% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1305% | 1,028 |
| Loan loss allowance to noncurrent loans | 31.7910% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 5.9851% | 500 |
| Noncurrent loans to loans | 6.7016% | 472 |
| Net loans and leases to total assets | 76.1371% | 2,584 |
| Net loans and leases to deposits | 95.9553% | 2,460 |
| Net loans and leases to core deposits | 138.1958% | 1,362 |
| Total domestic deposits to total assets | 79.3464% | 5,253 |
| Equity capital to assets | 9.7129% | 4,406 |
| Core capital (leverage) ratio | 9.6586% | 3,818 |
| Tier 1 risk-based capital ratio | 11.7265% | 5,034 |
| Total risk-based capital ratio | 12.9863% | 4,937 |
| Memoranda: | ||
| Average total assets | $188,391,400 | 3,288 |
| Average earning assets | $165,631,600 | 3,395 |
| Average equity | $18,484,000 | 3,480 |
| Average total loans | $146,184,800 | 2,991 |