Home > Columbia Bank > Performance and Condition Ratios
Columbia Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 2,201 |
| Cost of funding earning assets | 0.7961% | 2,419 |
| Net interest margin | 3.7410% | 2,176 |
| Noninterest income to average assets | 0.3359% | 3,508 |
| Noninterest expense to average assets | 3.4521% | 1,011 |
| Loan and lease loss provision to assets | 0.0193% | 3,551 |
| Net operating income to assets | 0.3668% | 4,203 |
| Return on assets (ROA) | 0.3668% | 4,244 |
| Pretax return on assets | 0.3668% | 4,358 |
| Return on Equity (ROE) | 3.3023% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.3023% | 2,958 |
| Net charge-offs to loans | -0.0754% | 4,754 |
| Credit loss provision to net charge-offs | -32.2581% | 3,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9396% | 501 |
| Assets per employee ($millions) | 4.0883% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6118% | 1,042 |
| Loan loss allowance to noncurrent loans | 151.0783% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 1,491 |
| Noncurrent loans to loans | 1.0669% | 1,557 |
| Net loans and leases to total assets | 77.9344% | 994 |
| Net loans and leases to deposits | 89.1551% | 1,616 |
| Net loans and leases to core deposits | 94.6951% | 1,908 |
| Total domestic deposits to total assets | 87.4144% | 1,372 |
| Equity capital to assets | 10.8172% | 3,032 |
| Core capital (leverage) ratio | 11.0754% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4392% | 2,101 |
| Memoranda: | ||
| Average total assets | $207,178,500 | 2,815 |
| Average earning assets | $193,956,500 | 2,791 |
| Average equity | $23,014,000 | 2,924 |
| Average total loans | $164,461,500 | 2,493 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 2,814 |
| Cost of funding earning assets | 0.7727% | 2,816 |
| Net interest margin | 3.7655% | 2,623 |
| Noninterest income to average assets | 0.3414% | 3,663 |
| Noninterest expense to average assets | 3.6082% | 846 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.2591% | 4,787 |
| Return on assets (ROA) | 0.2725% | 4,802 |
| Pretax return on assets | 0.2725% | 4,841 |
| Return on Equity (ROE) | 2.5129% | 4,742 |
| Retained earnings to average equity (ytd only) | 2.5129% | 3,774 |
| Net charge-offs to loans | -0.1564% | 5,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3011% | 258 |
| Assets per employee ($millions) | 4.1171% | 3,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 975 |
| Loan loss allowance to noncurrent loans | 196.0359% | 2,124 |
| Noncurrent assets plus other real estate owned to assets | 0.7044% | 1,837 |
| Noncurrent loans to loans | 0.8164% | 1,873 |
| Net loans and leases to total assets | 78.2809% | 1,032 |
| Net loans and leases to deposits | 88.6479% | 1,751 |
| Net loans and leases to core deposits | 94.3400% | 2,025 |
| Total domestic deposits to total assets | 88.3054% | 978 |
| Equity capital to assets | 11.4031% | 2,621 |
| Core capital (leverage) ratio | 10.9392% | 2,553 |
| Tier 1 risk-based capital ratio | 12.9741% | 3,803 |
| Total risk-based capital ratio | 14.2270% | 3,680 |
| Memoranda: | ||
| Average total assets | $208,828,400 | 2,769 |
| Average earning assets | $195,539,200 | 2,748 |
| Average equity | $22,643,000 | 2,900 |
| Average total loans | $156,000,200 | 2,558 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 3,053 |
| Cost of funding earning assets | 0.7610% | 2,914 |
| Net interest margin | 3.7431% | 2,772 |
| Noninterest income to average assets | 0.3429% | 3,675 |
| Noninterest expense to average assets | 3.5990% | 851 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2488% | 4,906 |
| Return on assets (ROA) | 0.2653% | 4,901 |
| Pretax return on assets | 0.2653% | 4,931 |
| Return on Equity (ROE) | 2.4782% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.4782% | 4,101 |
| Net charge-offs to loans | -0.1748% | 5,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5351% | 245 |
| Assets per employee ($millions) | 4.0535% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 905 |
| Loan loss allowance to noncurrent loans | 223.2035% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,198 |
| Noncurrent loans to loans | 0.7392% | 2,117 |
| Net loans and leases to total assets | 72.9033% | 2,018 |
| Net loans and leases to deposits | 82.3638% | 2,638 |
| Net loans and leases to core deposits | 87.6135% | 2,767 |
| Total domestic deposits to total assets | 88.5137% | 819 |
| Equity capital to assets | 11.0493% | 3,062 |
| Core capital (leverage) ratio | 10.8483% | 2,790 |
| Tier 1 risk-based capital ratio | 13.6671% | 3,495 |
| Total risk-based capital ratio | 14.9205% | 3,399 |
| Memoranda: | ||
| Average total assets | $209,571,500 | 2,783 |
| Average earning assets | $196,229,500 | 2,758 |
| Average equity | $22,435,250 | 2,939 |
| Average total loans | $154,058,500 | 2,605 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4880% | 3,053 |
| Cost of funding earning assets | 0.7356% | 2,973 |
| Net interest margin | 3.7524% | 2,744 |
| Noninterest income to average assets | 0.3500% | 3,597 |
| Noninterest expense to average assets | 3.5197% | 937 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3423% | 4,814 |
| Return on assets (ROA) | 0.3500% | 4,820 |
| Pretax return on assets | 0.3500% | 4,888 |
| Return on Equity (ROE) | 3.3047% | 4,726 |
| Retained earnings to average equity (ytd only) | 3.3047% | 3,575 |
| Net charge-offs to loans | -0.1539% | 5,086 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1364% | 311 |
| Assets per employee ($millions) | 3.9569% | 3,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 1,005 |
| Loan loss allowance to noncurrent loans | 207.2259% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 1,931 |
| Noncurrent loans to loans | 0.7782% | 2,037 |
| Net loans and leases to total assets | 72.5836% | 2,138 |
| Net loans and leases to deposits | 81.8222% | 2,749 |
| Net loans and leases to core deposits | 86.5406% | 2,923 |
| Total domestic deposits to total assets | 88.7089% | 782 |
| Equity capital to assets | 10.9950% | 3,061 |
| Core capital (leverage) ratio | 10.8502% | 2,743 |
| Tier 1 risk-based capital ratio | 14.1060% | 3,260 |
| Total risk-based capital ratio | 15.3594% | 3,178 |
| Memoranda: | ||
| Average total assets | $209,168,000 | 2,793 |
| Average earning assets | $195,768,330 | 2,775 |
| Average equity | $22,150,330 | 2,959 |
| Average total loans | $153,329,670 | 2,624 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 3,136 |
| Cost of funding earning assets | 0.7165% | 2,965 |
| Net interest margin | 3.7073% | 2,869 |
| Noninterest income to average assets | 0.2681% | 4,081 |
| Noninterest expense to average assets | 3.4735% | 1,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2623% | 4,944 |
| Return on assets (ROA) | 0.2623% | 4,951 |
| Pretax return on assets | 0.2623% | 4,989 |
| Return on Equity (ROE) | 2.5258% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.5258% | 3,915 |
| Net charge-offs to loans | -0.1730% | 5,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9780% | 305 |
| Assets per employee ($millions) | 4.1713% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 1,025 |
| Loan loss allowance to noncurrent loans | 157.0051% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 1,760 |
| Noncurrent loans to loans | 1.0313% | 1,621 |
| Net loans and leases to total assets | 69.7746% | 2,518 |
| Net loans and leases to deposits | 78.1294% | 3,043 |
| Net loans and leases to core deposits | 82.6337% | 3,139 |
| Total domestic deposits to total assets | 89.3064% | 724 |
| Equity capital to assets | 10.3960% | 3,421 |
| Core capital (leverage) ratio | 10.8108% | 2,754 |
| Tier 1 risk-based capital ratio | 14.1792% | 3,258 |
| Total risk-based capital ratio | 15.4324% | 3,175 |
| Memoranda: | ||
| Average total assets | $208,895,000 | 2,820 |
| Average earning assets | $195,400,000 | 2,803 |
| Average equity | $21,696,500 | 3,007 |
| Average total loans | $152,638,000 | 2,662 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3310% | 3,000 |
| Cost of funding earning assets | 0.5866% | 2,813 |
| Net interest margin | 3.7443% | 2,878 |
| Noninterest income to average assets | 0.5492% | 2,550 |
| Noninterest expense to average assets | 3.6493% | 823 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3897% | 4,879 |
| Return on assets (ROA) | 0.3897% | 4,875 |
| Pretax return on assets | 0.3897% | 4,942 |
| Return on Equity (ROE) | 3.8404% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.8404% | 3,468 |
| Net charge-offs to loans | -0.2794% | 5,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3509% | 327 |
| Assets per employee ($millions) | 3.8690% | 4,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,176 |
| Loan loss allowance to noncurrent loans | 146.3670% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 1,609 |
| Noncurrent loans to loans | 1.0518% | 1,552 |
| Net loans and leases to total assets | 74.1367% | 1,918 |
| Net loans and leases to deposits | 83.0330% | 2,620 |
| Net loans and leases to core deposits | 89.0444% | 2,649 |
| Total domestic deposits to total assets | 89.2858% | 740 |
| Equity capital to assets | 10.4699% | 3,221 |
| Core capital (leverage) ratio | 10.9691% | 2,553 |
| Tier 1 risk-based capital ratio | 13.8661% | 3,353 |
| Total risk-based capital ratio | 15.1185% | 3,278 |
| Memoranda: | ||
| Average total assets | $208,859,200 | 2,778 |
| Average earning assets | $194,668,000 | 2,767 |
| Average equity | $21,195,800 | 2,968 |
| Average total loans | $149,237,200 | 2,650 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 3,076 |
| Cost of funding earning assets | 0.5560% | 2,824 |
| Net interest margin | 3.7139% | 2,970 |
| Noninterest income to average assets | 0.6177% | 2,228 |
| Noninterest expense to average assets | 3.5657% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5116% | 4,736 |
| Return on assets (ROA) | 0.5116% | 4,737 |
| Pretax return on assets | 0.5116% | 4,887 |
| Return on Equity (ROE) | 5.0802% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.0802% | 3,192 |
| Net charge-offs to loans | -0.1415% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4532% | 433 |
| Assets per employee ($millions) | 3.8786% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 1,703 |
| Loan loss allowance to noncurrent loans | 113.8784% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 1,558 |
| Noncurrent loans to loans | 1.2289% | 1,373 |
| Net loans and leases to total assets | 71.2164% | 2,459 |
| Net loans and leases to deposits | 79.4114% | 3,098 |
| Net loans and leases to core deposits | 84.8875% | 3,090 |
| Total domestic deposits to total assets | 89.6804% | 605 |
| Equity capital to assets | 10.0236% | 3,618 |
| Core capital (leverage) ratio | 10.7995% | 2,791 |
| Tier 1 risk-based capital ratio | 14.1635% | 3,290 |
| Total risk-based capital ratio | 15.4145% | 3,204 |
| Memoranda: | ||
| Average total assets | $209,810,250 | 2,790 |
| Average earning assets | $195,439,750 | 2,780 |
| Average equity | $21,127,500 | 2,993 |
| Average total loans | $147,947,000 | 2,685 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 3,030 |
| Cost of funding earning assets | 0.5573% | 2,544 |
| Net interest margin | 3.6694% | 3,045 |
| Noninterest income to average assets | 0.5707% | 2,472 |
| Noninterest expense to average assets | 3.5307% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4525% | 4,854 |
| Return on assets (ROA) | 0.4525% | 4,859 |
| Pretax return on assets | 0.4525% | 4,985 |
| Return on Equity (ROE) | 4.4871% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.4871% | 3,353 |
| Net charge-offs to loans | -0.1634% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6391% | 427 |
| Assets per employee ($millions) | 3.8879% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,636 |
| Loan loss allowance to noncurrent loans | 103.1235% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.3564% | 1,036 |
| Noncurrent loans to loans | 1.3882% | 1,219 |
| Net loans and leases to total assets | 69.5049% | 2,649 |
| Net loans and leases to deposits | 77.6851% | 3,185 |
| Net loans and leases to core deposits | 83.5127% | 3,120 |
| Total domestic deposits to total assets | 89.4700% | 751 |
| Equity capital to assets | 10.2849% | 3,353 |
| Core capital (leverage) ratio | 10.7160% | 2,789 |
| Tier 1 risk-based capital ratio | 14.7695% | 2,981 |
| Total risk-based capital ratio | 16.0214% | 2,910 |
| Memoranda: | ||
| Average total assets | $209,931,670 | 2,809 |
| Average earning assets | $195,236,000 | 2,797 |
| Average equity | $21,172,000 | 3,004 |
| Average total loans | $146,837,000 | 2,708 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 2,986 |
| Cost of funding earning assets | 0.5748% | 2,213 |
| Net interest margin | 3.5953% | 3,200 |
| Noninterest income to average assets | 0.3984% | 3,482 |
| Noninterest expense to average assets | 3.4720% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2681% | 5,140 |
| Return on assets (ROA) | 0.2681% | 5,141 |
| Pretax return on assets | 0.2681% | 5,194 |
| Return on Equity (ROE) | 2.6841% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.6841% | 4,101 |
| Net charge-offs to loans | -0.1219% | 5,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8319% | 341 |
| Assets per employee ($millions) | 3.7069% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,965 |
| Loan loss allowance to noncurrent loans | 61.4465% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 2.1591% | 494 |
| Noncurrent loans to loans | 2.2243% | 670 |
| Net loans and leases to total assets | 69.7025% | 2,530 |
| Net loans and leases to deposits | 77.6964% | 3,050 |
| Net loans and leases to core deposits | 83.3328% | 3,026 |
| Total domestic deposits to total assets | 89.7114% | 778 |
| Equity capital to assets | 10.0540% | 3,543 |
| Core capital (leverage) ratio | 10.1518% | 3,356 |
| Tier 1 risk-based capital ratio | 14.3766% | 3,179 |
| Total risk-based capital ratio | 15.6273% | 3,098 |
| Memoranda: | ||
| Average total assets | $211,868,000 | 2,820 |
| Average earning assets | $196,923,000 | 2,814 |
| Average equity | $21,161,500 | 3,027 |
| Average total loans | $147,605,000 | 2,718 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9337% | 3,627 |
| Cost of funding earning assets | 0.5551% | 1,909 |
| Net interest margin | 3.3786% | 3,915 |
| Noninterest income to average assets | 0.2956% | 4,339 |
| Noninterest expense to average assets | 3.8629% | 646 |
| Loan and lease loss provision to assets | 0.8374% | 138 |
| Net operating income to assets | -1.2658% | 5,615 |
| Return on assets (ROA) | -1.2615% | 5,614 |
| Pretax return on assets | -1.2615% | 5,619 |
| Return on Equity (ROE) | -11.4148% | 5,600 |
| Retained earnings to average equity (ytd only) | -11.4148% | 5,552 |
| Net charge-offs to loans | 1.7356% | 85 |
| Credit loss provision to net charge-offs | 70.6283% | 3,082 |
| Earnings coverage of net charge-offs (x) | -0.3613% | 4,031 |
| Efficiency ratio | 112.4741% | 87 |
| Assets per employee ($millions) | 3.9300% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 2,118 |
| Loan loss allowance to noncurrent loans | 53.3333% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.1351% | 503 |
| Noncurrent loans to loans | 2.4746% | 543 |
| Net loans and leases to total assets | 67.8012% | 2,851 |
| Net loans and leases to deposits | 75.4282% | 3,388 |
| Net loans and leases to core deposits | 80.6497% | 3,368 |
| Total domestic deposits to total assets | 89.8884% | 608 |
| Equity capital to assets | 9.9247% | 3,784 |
| Core capital (leverage) ratio | 10.0966% | 3,328 |
| Tier 1 risk-based capital ratio | 14.0175% | 3,351 |
| Total risk-based capital ratio | 15.2680% | 3,256 |
| Memoranda: | ||
| Average total assets | $210,776,400 | 2,816 |
| Average earning assets | $195,821,000 | 2,807 |
| Average equity | $23,294,400 | 2,825 |
| Average total loans | $143,982,800 | 2,718 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,622 |
| Cost of funding earning assets | 0.5491% | 1,900 |
| Net interest margin | 3.3708% | 3,945 |
| Noninterest income to average assets | 0.3412% | 4,095 |
| Noninterest expense to average assets | 3.7669% | 706 |
| Loan and lease loss provision to assets | 1.1236% | 90 |
| Net operating income to assets | -1.4190% | 5,693 |
| Return on assets (ROA) | -1.4190% | 5,693 |
| Pretax return on assets | -1.4190% | 5,691 |
| Return on Equity (ROE) | -12.5108% | 5,686 |
| Retained earnings to average equity (ytd only) | -12.5108% | 5,635 |
| Net charge-offs to loans | 2.3455% | 61 |
| Credit loss provision to net charge-offs | 70.2348% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.1846% | 3,703 |
| Efficiency ratio | 108.5091% | 106 |
| Assets per employee ($millions) | 3.7160% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,224 |
| Loan loss allowance to noncurrent loans | 62.0932% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6118% | 918 |
| Noncurrent loans to loans | 2.1373% | 768 |
| Net loans and leases to total assets | 67.1317% | 2,963 |
| Net loans and leases to deposits | 75.0898% | 3,461 |
| Net loans and leases to core deposits | 80.6624% | 3,393 |
| Total domestic deposits to total assets | 89.4019% | 699 |
| Equity capital to assets | 10.3359% | 3,552 |
| Core capital (leverage) ratio | 10.3142% | 3,184 |
| Tier 1 risk-based capital ratio | 14.4061% | 3,237 |
| Total risk-based capital ratio | 15.6560% | 3,155 |
| Memoranda: | ||
| Average total assets | $209,433,500 | 2,850 |
| Average earning assets | $194,488,500 | 2,844 |
| Average equity | $23,755,000 | 2,805 |
| Average total loans | $142,850,750 | 2,755 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 3,634 |
| Cost of funding earning assets | 0.5522% | 1,765 |
| Net interest margin | 3.3255% | 4,032 |
| Noninterest income to average assets | 0.3529% | 4,033 |
| Noninterest expense to average assets | 3.7261% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2835% | 5,641 |
| Return on assets (ROA) | -0.2835% | 5,642 |
| Pretax return on assets | -0.2835% | 5,629 |
| Return on Equity (ROE) | -2.4250% | 5,634 |
| Retained earnings to average equity (ytd only) | -2.4250% | 5,376 |
| Net charge-offs to loans | 1.2755% | 151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.3256% | 3,418 |
| Efficiency ratio | 108.2353% | 114 |
| Assets per employee ($millions) | 3.2129% | 5,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,705 |
| Loan loss allowance to noncurrent loans | 62.8642% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 1,009 |
| Noncurrent loans to loans | 1.9842% | 851 |
| Net loans and leases to total assets | 66.8685% | 2,971 |
| Net loans and leases to deposits | 75.6948% | 3,376 |
| Net loans and leases to core deposits | 81.9185% | 3,260 |
| Total domestic deposits to total assets | 88.3397% | 1,280 |
| Equity capital to assets | 11.4661% | 2,342 |
| Core capital (leverage) ratio | 11.5734% | 1,922 |
| Tier 1 risk-based capital ratio | 16.0781% | 2,468 |
| Total risk-based capital ratio | 17.2662% | 2,439 |
| Memoranda: | ||
| Average total assets | $207,401,330 | 2,880 |
| Average earning assets | $192,694,000 | 2,874 |
| Average equity | $24,247,670 | 2,752 |
| Average total loans | $141,589,330 | 2,782 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 3,599 |
| Cost of funding earning assets | 0.5592% | 1,655 |
| Net interest margin | 3.2860% | 4,063 |
| Noninterest income to average assets | 0.3082% | 4,352 |
| Noninterest expense to average assets | 3.6182% | 875 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2497% | 5,688 |
| Return on assets (ROA) | -0.2497% | 5,689 |
| Pretax return on assets | -0.2497% | 5,678 |
| Return on Equity (ROE) | -2.1144% | 5,684 |
| Retained earnings to average equity (ytd only) | -2.1144% | 5,177 |
| Net charge-offs to loans | 1.4652% | 109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.2485% | 2,863 |
| Efficiency ratio | 107.4117% | 151 |
| Assets per employee ($millions) | 3.5928% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,548 |
| Loan loss allowance to noncurrent loans | 62.8860% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.8639% | 746 |
| Noncurrent loans to loans | 2.4455% | 646 |
| Net loans and leases to total assets | 66.9495% | 2,823 |
| Net loans and leases to deposits | 75.9394% | 3,204 |
| Net loans and leases to core deposits | 82.1819% | 3,077 |
| Total domestic deposits to total assets | 88.1618% | 1,613 |
| Equity capital to assets | 11.6458% | 2,084 |
| Core capital (leverage) ratio | 11.8107% | 1,744 |
| Tier 1 risk-based capital ratio | 16.7013% | 2,278 |
| Total risk-based capital ratio | 17.9545% | 2,246 |
| Memoranda: | ||
| Average total assets | $205,076,000 | 2,937 |
| Average earning assets | $190,989,500 | 2,920 |
| Average equity | $24,214,500 | 2,773 |
| Average total loans | $140,590,500 | 2,809 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9364% | 3,435 |
| Cost of funding earning assets | 0.5759% | 1,511 |
| Net interest margin | 3.3605% | 3,960 |
| Noninterest income to average assets | 0.3073% | 4,538 |
| Noninterest expense to average assets | 3.5900% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1033% | 5,687 |
| Return on assets (ROA) | -0.0945% | 5,694 |
| Pretax return on assets | -0.0945% | 5,691 |
| Return on Equity (ROE) | -0.8612% | 5,697 |
| Retained earnings to average equity (ytd only) | -0.8612% | 5,429 |
| Net charge-offs to loans | -0.4534% | 5,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9625% | 188 |
| Assets per employee ($millions) | 3.6030% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 758 |
| Loan loss allowance to noncurrent loans | 104.7434% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 1.4313% | 1,184 |
| Noncurrent loans to loans | 1.8439% | 1,022 |
| Net loans and leases to total assets | 67.7987% | 2,810 |
| Net loans and leases to deposits | 77.2331% | 3,185 |
| Net loans and leases to core deposits | 83.8278% | 3,040 |
| Total domestic deposits to total assets | 87.7845% | 1,753 |
| Equity capital to assets | 11.9746% | 1,826 |
| Core capital (leverage) ratio | 12.1832% | 1,483 |
| Tier 1 risk-based capital ratio | 17.2719% | 2,067 |
| Total risk-based capital ratio | 18.5294% | 2,026 |
| Memoranda: | ||
| Average total assets | $193,620,000 | 3,028 |
| Average earning assets | $183,188,800 | 2,985 |
| Average equity | $21,248,400 | 3,042 |
| Average total loans | $131,890,000 | 2,893 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,345 |
| Cost of funding earning assets | 0.5721% | 1,532 |
| Net interest margin | 3.3939% | 3,866 |
| Noninterest income to average assets | 0.3125% | 4,533 |
| Noninterest expense to average assets | 3.5729% | 1,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0362% | 5,737 |
| Return on assets (ROA) | -0.0285% | 5,752 |
| Pretax return on assets | -0.0285% | 5,743 |
| Return on Equity (ROE) | -0.2664% | 5,753 |
| Retained earnings to average equity (ytd only) | -0.2664% | 5,408 |
| Net charge-offs to loans | -0.5436% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0232% | 211 |
| Assets per employee ($millions) | 3.5601% | 4,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 788 |
| Loan loss allowance to noncurrent loans | 98.3521% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 1,193 |
| Noncurrent loans to loans | 1.9794% | 1,002 |
| Net loans and leases to total assets | 66.3413% | 3,064 |
| Net loans and leases to deposits | 75.1217% | 3,484 |
| Net loans and leases to core deposits | 81.6914% | 3,308 |
| Total domestic deposits to total assets | 88.3118% | 1,232 |
| Equity capital to assets | 11.3512% | 2,652 |
| Core capital (leverage) ratio | 11.0707% | 2,379 |
| Tier 1 risk-based capital ratio | 16.5145% | 2,411 |
| Total risk-based capital ratio | 17.7733% | 2,360 |
| Memoranda: | ||
| Average total assets | $191,583,000 | 3,058 |
| Average earning assets | $182,007,000 | 3,010 |
| Average equity | $20,520,250 | 3,144 |
| Average total loans | $129,990,000 | 2,927 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0120% | 3,198 |
| Cost of funding earning assets | 0.5533% | 1,675 |
| Net interest margin | 3.4587% | 3,646 |
| Noninterest income to average assets | 0.3302% | 4,418 |
| Noninterest expense to average assets | 3.6055% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0190% | 5,753 |
| Return on assets (ROA) | 0.0233% | 5,782 |
| Pretax return on assets | 0.0233% | 5,778 |
| Return on Equity (ROE) | 0.2220% | 5,781 |
| Retained earnings to average equity (ytd only) | 0.2220% | 5,239 |
| Net charge-offs to loans | -0.1636% | 5,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4745% | 251 |
| Assets per employee ($millions) | 3.8084% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 1,409 |
| Loan loss allowance to noncurrent loans | 80.6523% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 1,224 |
| Noncurrent loans to loans | 2.0424% | 964 |
| Net loans and leases to total assets | 66.3603% | 3,031 |
| Net loans and leases to deposits | 74.1653% | 3,574 |
| Net loans and leases to core deposits | 80.2239% | 3,441 |
| Total domestic deposits to total assets | 89.4762% | 697 |
| Equity capital to assets | 10.1360% | 4,045 |
| Core capital (leverage) ratio | 10.3070% | 3,188 |
| Tier 1 risk-based capital ratio | 15.0333% | 3,064 |
| Total risk-based capital ratio | 16.2886% | 3,003 |
| Memoranda: | ||
| Average total assets | $188,989,670 | 3,098 |
| Average earning assets | $180,009,330 | 3,045 |
| Average equity | $19,817,000 | 3,215 |
| Average total loans | $128,358,000 | 2,962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,788 |
| Cost of funding earning assets | 0.5448% | 1,754 |
| Net interest margin | 3.5729% | 3,195 |
| Noninterest income to average assets | 0.3144% | 4,477 |
| Noninterest expense to average assets | 3.6885% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0390% | 5,761 |
| Return on assets (ROA) | 0.0390% | 5,790 |
| Pretax return on assets | 0.0390% | 5,788 |
| Return on Equity (ROE) | 0.3657% | 5,786 |
| Retained earnings to average equity (ytd only) | 0.3657% | 5,030 |
| Net charge-offs to loans | 0.5886% | 375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.0973% | 2,970 |
| Efficiency ratio | 98.9529% | 316 |
| Assets per employee ($millions) | 3.4146% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4894% | 2,036 |
| Loan loss allowance to noncurrent loans | 68.6669% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.5474% | 1,301 |
| Noncurrent loans to loans | 2.1691% | 956 |
| Net loans and leases to total assets | 67.3005% | 2,762 |
| Net loans and leases to deposits | 75.5971% | 3,267 |
| Net loans and leases to core deposits | 80.6829% | 3,266 |
| Total domestic deposits to total assets | 89.0253% | 1,086 |
| Equity capital to assets | 10.5818% | 3,389 |
| Core capital (leverage) ratio | 10.7059% | 2,719 |
| Tier 1 risk-based capital ratio | 15.8598% | 2,757 |
| Total risk-based capital ratio | 17.1137% | 2,685 |
| Memoranda: | ||
| Average total assets | $184,466,000 | 3,148 |
| Average earning assets | $176,214,500 | 3,093 |
| Average equity | $19,689,000 | 3,235 |
| Average total loans | $125,727,500 | 2,998 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,264 |
| Cost of funding earning assets | 0.5842% | 1,471 |
| Net interest margin | 3.4295% | 3,799 |
| Noninterest income to average assets | 0.7827% | 1,854 |
| Noninterest expense to average assets | 3.6327% | 1,064 |
| Loan and lease loss provision to assets | -0.5595% | 6,131 |
| Net operating income to assets | 0.9645% | 2,554 |
| Return on assets (ROA) | 1.0054% | 2,427 |
| Pretax return on assets | 1.0054% | 3,456 |
| Return on Equity (ROE) | 9.5499% | 2,199 |
| Retained earnings to average equity (ytd only) | 9.5499% | 526 |
| Net charge-offs to loans | 0.4536% | 609 |
| Credit loss provision to net charge-offs | -198.4127% | 5,274 |
| Earnings coverage of net charge-offs (x) | 1.4365% | 4,087 |
| Efficiency ratio | 89.9681% | 690 |
| Assets per employee ($millions) | 3.1777% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7020% | 1,342 |
| Loan loss allowance to noncurrent loans | 77.7160% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6204% | 1,212 |
| Noncurrent loans to loans | 2.1900% | 910 |
| Net loans and leases to total assets | 66.8340% | 2,870 |
| Net loans and leases to deposits | 75.3139% | 3,340 |
| Net loans and leases to core deposits | 78.4772% | 3,493 |
| Total domestic deposits to total assets | 88.7406% | 1,261 |
| Equity capital to assets | 10.7686% | 3,055 |
| Core capital (leverage) ratio | 11.0859% | 2,321 |
| Tier 1 risk-based capital ratio | 16.6245% | 2,413 |
| Total risk-based capital ratio | 17.8811% | 2,373 |
| Memoranda: | ||
| Average total assets | $178,736,200 | 3,189 |
| Average earning assets | $169,646,800 | 3,132 |
| Average equity | $18,817,000 | 3,278 |
| Average total loans | $111,120,200 | 3,178 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,504 |
| Cost of funding earning assets | 0.6006% | 1,402 |
| Net interest margin | 3.3580% | 4,115 |
| Noninterest income to average assets | 0.9461% | 1,329 |
| Noninterest expense to average assets | 3.5881% | 1,139 |
| Loan and lease loss provision to assets | -0.7485% | 6,246 |
| Net operating income to assets | 1.2866% | 1,376 |
| Return on assets (ROA) | 1.3412% | 1,288 |
| Pretax return on assets | 1.3412% | 2,244 |
| Return on Equity (ROE) | 12.8145% | 1,170 |
| Retained earnings to average equity (ytd only) | 12.8145% | 294 |
| Net charge-offs to loans | 0.6771% | 319 |
| Credit loss provision to net charge-offs | -182.1494% | 5,156 |
| Earnings coverage of net charge-offs (x) | 1.3097% | 3,852 |
| Efficiency ratio | 86.9581% | 939 |
| Assets per employee ($millions) | 3.2854% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8105% | 1,242 |
| Loan loss allowance to noncurrent loans | 71.5132% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.6938% | 1,275 |
| Noncurrent loans to loans | 2.5316% | 809 |
| Net loans and leases to total assets | 62.6994% | 3,500 |
| Net loans and leases to deposits | 71.1303% | 3,856 |
| Net loans and leases to core deposits | 74.6704% | 3,941 |
| Total domestic deposits to total assets | 88.1472% | 1,477 |
| Equity capital to assets | 11.1228% | 2,886 |
| Core capital (leverage) ratio | 11.0176% | 2,473 |
| Tier 1 risk-based capital ratio | 17.8313% | 2,085 |
| Total risk-based capital ratio | 19.0889% | 2,048 |
| Memoranda: | ||
| Average total assets | $178,138,250 | 3,221 |
| Average earning assets | $168,708,000 | 3,169 |
| Average equity | $18,645,000 | 3,324 |
| Average total loans | $108,112,500 | 3,261 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9112% | 3,643 |
| Cost of funding earning assets | 0.6037% | 1,386 |
| Net interest margin | 3.3074% | 4,273 |
| Noninterest income to average assets | 1.2860% | 741 |
| Noninterest expense to average assets | 3.5721% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8342% | 3,196 |
| Return on assets (ROA) | 0.8342% | 3,315 |
| Pretax return on assets | 0.8342% | 4,190 |
| Return on Equity (ROE) | 8.1390% | 2,969 |
| Retained earnings to average equity (ytd only) | 8.1390% | 1,210 |
| Net charge-offs to loans | -0.1918% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0687% | 1,614 |
| Assets per employee ($millions) | 3.2825% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3989% | 175 |
| Loan loss allowance to noncurrent loans | 98.3790% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.2045% | 952 |
| Noncurrent loans to loans | 3.4549% | 514 |
| Net loans and leases to total assets | 58.2794% | 4,069 |
| Net loans and leases to deposits | 65.5562% | 4,379 |
| Net loans and leases to core deposits | 69.0518% | 4,409 |
| Total domestic deposits to total assets | 88.8999% | 1,186 |
| Equity capital to assets | 10.3102% | 3,679 |
| Core capital (leverage) ratio | 10.4621% | 3,011 |
| Tier 1 risk-based capital ratio | 18.1546% | 2,024 |
| Total risk-based capital ratio | 19.4340% | 1,973 |
| Memoranda: | ||
| Average total assets | $178,381,000 | 3,238 |
| Average earning assets | $168,287,330 | 3,186 |
| Average equity | $18,282,330 | 3,385 |
| Average total loans | $106,388,000 | 3,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9393% | 3,461 |
| Cost of funding earning assets | 0.6123% | 1,351 |
| Net interest margin | 3.3269% | 4,101 |
| Noninterest income to average assets | 0.6024% | 2,637 |
| Noninterest expense to average assets | 3.5533% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1624% | 5,756 |
| Return on assets (ROA) | 0.1624% | 5,830 |
| Pretax return on assets | 0.1624% | 5,878 |
| Return on Equity (ROE) | 1.5897% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.5897% | 4,838 |
| Net charge-offs to loans | -0.5175% | 6,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6284% | 520 |
| Assets per employee ($millions) | 3.2173% | 5,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5219% | 179 |
| Loan loss allowance to noncurrent loans | 162.7887% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 3.4071% | 497 |
| Noncurrent loans to loans | 2.1635% | 1,181 |
| Net loans and leases to total assets | 57.8360% | 3,968 |
| Net loans and leases to deposits | 65.0319% | 4,264 |
| Net loans and leases to core deposits | 68.5667% | 4,280 |
| Total domestic deposits to total assets | 88.9349% | 1,314 |
| Equity capital to assets | 10.2841% | 3,792 |
| Core capital (leverage) ratio | 10.0908% | 3,490 |
| Tier 1 risk-based capital ratio | 17.8750% | 2,179 |
| Total risk-based capital ratio | 19.1549% | 2,128 |
| Memoranda: | ||
| Average total assets | $177,302,000 | 3,272 |
| Average earning assets | $165,919,500 | 3,236 |
| Average equity | $18,116,500 | 3,425 |
| Average total loans | $105,122,500 | 3,354 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 4,196 |
| Cost of funding earning assets | 0.7772% | 733 |
| Net interest margin | 3.1052% | 5,189 |
| Noninterest income to average assets | 0.4739% | 3,686 |
| Noninterest expense to average assets | 3.7412% | 1,077 |
| Loan and lease loss provision to assets | 0.1623% | 1,619 |
| Net operating income to assets | -0.5312% | 6,302 |
| Return on assets (ROA) | -0.5312% | 6,303 |
| Pretax return on assets | -0.5312% | 6,295 |
| Return on Equity (ROE) | -5.3951% | 6,295 |
| Retained earnings to average equity (ytd only) | -5.3951% | 6,192 |
| Net charge-offs to loans | 0.9306% | 345 |
| Credit loss provision to net charge-offs | 30.5499% | 3,828 |
| Earnings coverage of net charge-offs (x) | -0.6945% | 4,776 |
| Efficiency ratio | 110.9400% | 209 |
| Assets per employee ($millions) | 3.2300% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4560% | 191 |
| Loan loss allowance to noncurrent loans | 84.2499% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 4.6270% | 323 |
| Noncurrent loans to loans | 4.1021% | 436 |
| Net loans and leases to total assets | 56.6090% | 4,247 |
| Net loans and leases to deposits | 63.5278% | 4,578 |
| Net loans and leases to core deposits | 67.1252% | 4,585 |
| Total domestic deposits to total assets | 89.1090% | 1,172 |
| Equity capital to assets | 10.1519% | 3,921 |
| Core capital (leverage) ratio | 9.5829% | 4,130 |
| Tier 1 risk-based capital ratio | 17.1183% | 2,467 |
| Total risk-based capital ratio | 18.3958% | 2,413 |
| Memoranda: | ||
| Average total assets | $184,862,200 | 3,159 |
| Average earning assets | $172,550,800 | 3,125 |
| Average equity | $18,201,800 | 3,380 |
| Average total loans | $105,528,000 | 3,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8588% | 4,331 |
| Cost of funding earning assets | 0.7765% | 778 |
| Net interest margin | 3.0823% | 5,304 |
| Noninterest income to average assets | 0.3671% | 4,487 |
| Noninterest expense to average assets | 3.2564% | 2,008 |
| Loan and lease loss provision to assets | 0.2143% | 1,075 |
| Net operating income to assets | -0.2286% | 6,279 |
| Return on assets (ROA) | -0.2286% | 6,280 |
| Pretax return on assets | -0.2286% | 6,265 |
| Return on Equity (ROE) | -2.3387% | 6,295 |
| Retained earnings to average equity (ytd only) | -2.3387% | 6,097 |
| Net charge-offs to loans | 0.9345% | 345 |
| Credit loss provision to net charge-offs | 40.4313% | 3,282 |
| Earnings coverage of net charge-offs (x) | -0.0270% | 4,456 |
| Efficiency ratio | 100.4406% | 351 |
| Assets per employee ($millions) | 3.3710% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7170% | 199 |
| Loan loss allowance to noncurrent loans | 67.4868% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 5.4817% | 278 |
| Noncurrent loans to loans | 5.5077% | 286 |
| Net loans and leases to total assets | 52.6924% | 4,733 |
| Net loans and leases to deposits | 62.5999% | 4,688 |
| Net loans and leases to core deposits | 66.2559% | 4,681 |
| Total domestic deposits to total assets | 84.1732% | 3,695 |
| Equity capital to assets | 9.7200% | 4,535 |
| Core capital (leverage) ratio | 9.8809% | 3,837 |
| Tier 1 risk-based capital ratio | 17.6724% | 2,327 |
| Total risk-based capital ratio | 18.9509% | 2,279 |
| Memoranda: | ||
| Average total assets | $186,664,750 | 3,173 |
| Average earning assets | $174,109,000 | 3,134 |
| Average equity | $18,243,500 | 3,390 |
| Average total loans | $105,868,250 | 3,337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,057 |
| Cost of funding earning assets | 0.7788% | 793 |
| Net interest margin | 3.1396% | 5,122 |
| Noninterest income to average assets | 0.3710% | 4,468 |
| Noninterest expense to average assets | 3.2534% | 2,040 |
| Loan and lease loss provision to assets | 0.3226% | 587 |
| Net operating income to assets | -0.2786% | 6,360 |
| Return on assets (ROA) | -0.2786% | 6,370 |
| Pretax return on assets | -0.2786% | 6,353 |
| Return on Equity (ROE) | -2.8449% | 6,372 |
| Retained earnings to average equity (ytd only) | -2.8449% | 6,084 |
| Net charge-offs to loans | 0.6859% | 559 |
| Credit loss provision to net charge-offs | 81.9672% | 2,304 |
| Earnings coverage of net charge-offs (x) | 0.1120% | 4,112 |
| Efficiency ratio | 98.6628% | 441 |
| Assets per employee ($millions) | 3.2628% | 5,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0204% | 170 |
| Loan loss allowance to noncurrent loans | 62.0000% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 6.2157% | 228 |
| Noncurrent loans to loans | 6.4845% | 215 |
| Net loans and leases to total assets | 54.1176% | 4,527 |
| Net loans and leases to deposits | 64.4731% | 4,445 |
| Net loans and leases to core deposits | 68.5868% | 4,404 |
| Total domestic deposits to total assets | 83.9382% | 3,939 |
| Equity capital to assets | 9.9413% | 4,190 |
| Core capital (leverage) ratio | 10.0148% | 3,584 |
| Tier 1 risk-based capital ratio | 17.6883% | 2,358 |
| Total risk-based capital ratio | 18.9713% | 2,311 |
| Memoranda: | ||
| Average total assets | $185,961,330 | 3,196 |
| Average earning assets | $173,334,330 | 3,157 |
| Average equity | $18,208,330 | 3,402 |
| Average total loans | $106,721,000 | 3,317 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,114 |
| Cost of funding earning assets | 0.7825% | 820 |
| Net interest margin | 3.1094% | 5,217 |
| Noninterest income to average assets | 0.3893% | 4,276 |
| Noninterest expense to average assets | 3.2181% | 2,166 |
| Loan and lease loss provision to assets | 0.6453% | 192 |
| Net operating income to assets | -0.5765% | 6,499 |
| Return on assets (ROA) | -0.5765% | 6,496 |
| Pretax return on assets | -0.5765% | 6,481 |
| Return on Equity (ROE) | -5.9331% | 6,487 |
| Retained earnings to average equity (ytd only) | -5.9331% | 6,176 |
| Net charge-offs to loans | 1.2225% | 272 |
| Credit loss provision to net charge-offs | 91.1854% | 1,788 |
| Earnings coverage of net charge-offs (x) | 0.0973% | 3,418 |
| Efficiency ratio | 97.9058% | 550 |
| Assets per employee ($millions) | 3.3835% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0006% | 189 |
| Loan loss allowance to noncurrent loans | 64.0126% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 6.2527% | 264 |
| Noncurrent loans to loans | 6.2496% | 278 |
| Net loans and leases to total assets | 54.8413% | 4,300 |
| Net loans and leases to deposits | 65.1331% | 4,186 |
| Net loans and leases to core deposits | 69.1560% | 4,186 |
| Total domestic deposits to total assets | 84.1989% | 4,210 |
| Equity capital to assets | 9.7348% | 4,188 |
| Core capital (leverage) ratio | 9.9126% | 3,690 |
| Tier 1 risk-based capital ratio | 17.5803% | 2,456 |
| Total risk-based capital ratio | 18.8646% | 2,412 |
| Memoranda: | ||
| Average total assets | $185,951,000 | 3,220 |
| Average earning assets | $173,280,500 | 3,176 |
| Average equity | $18,068,000 | 3,419 |
| Average total loans | $107,649,000 | 3,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8404% | 4,658 |
| Cost of funding earning assets | 0.8267% | 1,055 |
| Net interest margin | 3.0137% | 5,550 |
| Noninterest income to average assets | 0.4519% | 4,083 |
| Noninterest expense to average assets | 4.4031% | 570 |
| Loan and lease loss provision to assets | 1.4646% | 94 |
| Net operating income to assets | -2.6607% | 6,744 |
| Return on assets (ROA) | -2.1364% | 6,723 |
| Pretax return on assets | -2.1364% | 6,719 |
| Return on Equity (ROE) | -23.2364% | 6,701 |
| Retained earnings to average equity (ytd only) | -23.2364% | 6,692 |
| Net charge-offs to loans | 3.5558% | 51 |
| Credit loss provision to net charge-offs | 71.3017% | 3,272 |
| Earnings coverage of net charge-offs (x) | -0.5823% | 5,214 |
| Efficiency ratio | 137.2989% | 90 |
| Assets per employee ($millions) | 3.5732% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9289% | 210 |
| Loan loss allowance to noncurrent loans | 63.8342% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 5.8345% | 332 |
| Noncurrent loans to loans | 6.1548% | 325 |
| Net loans and leases to total assets | 56.3520% | 4,265 |
| Net loans and leases to deposits | 66.9501% | 4,186 |
| Net loans and leases to core deposits | 71.2785% | 4,153 |
| Total domestic deposits to total assets | 84.1701% | 4,102 |
| Equity capital to assets | 9.6982% | 4,168 |
| Core capital (leverage) ratio | 9.9752% | 3,609 |
| Tier 1 risk-based capital ratio | 17.5030% | 2,412 |
| Total risk-based capital ratio | 18.7858% | 2,379 |
| Memoranda: | ||
| Average total assets | $191,865,600 | 3,133 |
| Average earning assets | $175,398,000 | 3,141 |
| Average equity | $17,640,400 | 3,475 |
| Average total loans | $110,833,200 | 3,231 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 4,813 |
| Cost of funding earning assets | 0.8324% | 1,143 |
| Net interest margin | 2.9793% | 5,644 |
| Noninterest income to average assets | 0.4399% | 4,222 |
| Noninterest expense to average assets | 4.5615% | 490 |
| Loan and lease loss provision to assets | 1.3858% | 90 |
| Net operating income to assets | -2.7979% | 6,839 |
| Return on assets (ROA) | -2.1043% | 6,813 |
| Pretax return on assets | -2.1043% | 6,806 |
| Return on Equity (ROE) | -23.1924% | 6,787 |
| Retained earnings to average equity (ytd only) | -23.1924% | 6,775 |
| Net charge-offs to loans | 3.5305% | 57 |
| Credit loss provision to net charge-offs | 68.2050% | 3,101 |
| Earnings coverage of net charge-offs (x) | -0.6949% | 4,975 |
| Efficiency ratio | 144.8336% | 87 |
| Assets per employee ($millions) | 3.5231% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0609% | 222 |
| Loan loss allowance to noncurrent loans | 57.2013% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 6.3765% | 350 |
| Noncurrent loans to loans | 7.0993% | 290 |
| Net loans and leases to total assets | 55.5838% | 4,379 |
| Net loans and leases to deposits | 65.0236% | 4,402 |
| Net loans and leases to core deposits | 69.9702% | 4,324 |
| Total domestic deposits to total assets | 85.4825% | 3,501 |
| Equity capital to assets | 8.4675% | 5,772 |
| Core capital (leverage) ratio | 8.8090% | 5,400 |
| Tier 1 risk-based capital ratio | 15.5881% | 3,416 |
| Total risk-based capital ratio | 16.8732% | 3,354 |
| Memoranda: | ||
| Average total assets | $193,380,250 | 3,134 |
| Average earning assets | $175,875,000 | 3,161 |
| Average equity | $17,545,500 | 3,521 |
| Average total loans | $111,294,500 | 3,242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,704 |
| Cost of funding earning assets | 0.8324% | 1,246 |
| Net interest margin | 3.0047% | 5,564 |
| Noninterest income to average assets | 0.3827% | 4,650 |
| Noninterest expense to average assets | 4.5221% | 515 |
| Loan and lease loss provision to assets | 2.0573% | 50 |
| Net operating income to assets | -3.4862% | 6,909 |
| Return on assets (ROA) | -2.4513% | 6,875 |
| Pretax return on assets | -2.4513% | 6,868 |
| Return on Equity (ROE) | -26.4420% | 6,849 |
| Retained earnings to average equity (ytd only) | -26.4420% | 6,833 |
| Net charge-offs to loans | 5.0783% | 34 |
| Credit loss provision to net charge-offs | 70.5467% | 2,811 |
| Earnings coverage of net charge-offs (x) | -0.4899% | 4,660 |
| Efficiency ratio | 146.1922% | 78 |
| Assets per employee ($millions) | 3.2158% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2249% | 215 |
| Loan loss allowance to noncurrent loans | 46.9635% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 7.9834% | 256 |
| Noncurrent loans to loans | 8.9962% | 200 |
| Net loans and leases to total assets | 53.7854% | 4,620 |
| Net loans and leases to deposits | 63.0688% | 4,616 |
| Net loans and leases to core deposits | 66.7016% | 4,626 |
| Total domestic deposits to total assets | 85.2806% | 3,750 |
| Equity capital to assets | 8.7883% | 5,456 |
| Core capital (leverage) ratio | 9.1462% | 4,761 |
| Tier 1 risk-based capital ratio | 16.1641% | 3,109 |
| Total risk-based capital ratio | 17.4507% | 3,037 |
| Memoranda: | ||
| Average total assets | $194,425,000 | 3,136 |
| Average earning assets | $175,392,670 | 3,184 |
| Average equity | $18,024,330 | 3,480 |
| Average total loans | $111,652,000 | 3,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,437 |
| Cost of funding earning assets | 0.8586% | 1,211 |
| Net interest margin | 3.0500% | 5,433 |
| Noninterest income to average assets | 0.2439% | 5,710 |
| Noninterest expense to average assets | 3.8552% | 1,052 |
| Loan and lease loss provision to assets | 3.0744% | 26 |
| Net operating income to assets | -3.9700% | 6,982 |
| Return on assets (ROA) | -1.9082% | 6,922 |
| Pretax return on assets | -1.9082% | 6,912 |
| Return on Equity (ROE) | -20.0668% | 6,898 |
| Retained earnings to average equity (ytd only) | -20.0668% | 6,832 |
| Net charge-offs to loans | 6.1465% | 31 |
| Credit loss provision to net charge-offs | 86.1574% | 2,083 |
| Earnings coverage of net charge-offs (x) | -0.2510% | 3,883 |
| Efficiency ratio | 130.2632% | 149 |
| Assets per employee ($millions) | 3.2418% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6903% | 171 |
| Loan loss allowance to noncurrent loans | 41.6660% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 9.7668% | 207 |
| Noncurrent loans to loans | 11.2569% | 162 |
| Net loans and leases to total assets | 54.0336% | 4,414 |
| Net loans and leases to deposits | 68.2348% | 3,752 |
| Net loans and leases to core deposits | 72.7755% | 3,728 |
| Total domestic deposits to total assets | 79.1877% | 5,927 |
| Equity capital to assets | 8.9468% | 5,561 |
| Core capital (leverage) ratio | 8.9040% | 5,050 |
| Tier 1 risk-based capital ratio | 15.6165% | 3,465 |
| Total risk-based capital ratio | 16.9075% | 3,410 |
| Memoranda: | ||
| Average total assets | $195,162,500 | 3,156 |
| Average earning assets | $173,773,000 | 3,223 |
| Average equity | $18,558,000 | 3,442 |
| Average total loans | $113,299,500 | 3,225 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2883% | 4,232 |
| Cost of funding earning assets | 0.9807% | 1,465 |
| Net interest margin | 3.3076% | 5,220 |
| Noninterest income to average assets | 0.1081% | 6,472 |
| Noninterest expense to average assets | 3.4527% | 1,940 |
| Loan and lease loss provision to assets | 3.6699% | 20 |
| Net operating income to assets | -4.0230% | 7,042 |
| Return on assets (ROA) | -3.9719% | 7,043 |
| Pretax return on assets | -3.9719% | 7,046 |
| Return on Equity (ROE) | -42.2960% | 7,003 |
| Retained earnings to average equity (ytd only) | -42.2960% | 6,995 |
| Net charge-offs to loans | 6.3880% | 11 |
| Credit loss provision to net charge-offs | 88.5221% | 3,534 |
| Earnings coverage of net charge-offs (x) | -0.0852% | 5,527 |
| Efficiency ratio | 111.3922% | 312 |
| Assets per employee ($millions) | 3.2637% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6532% | 169 |
| Loan loss allowance to noncurrent loans | 28.6387% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 11.7664% | 150 |
| Noncurrent loans to loans | 16.2479% | 66 |
| Net loans and leases to total assets | 56.6418% | 4,177 |
| Net loans and leases to deposits | 72.0973% | 3,398 |
| Net loans and leases to core deposits | 76.8585% | 3,425 |
| Total domestic deposits to total assets | 78.5630% | 5,975 |
| Equity capital to assets | 10.0674% | 4,079 |
| Core capital (leverage) ratio | 9.4188% | 4,231 |
| Tier 1 risk-based capital ratio | 15.5969% | 3,375 |
| Total risk-based capital ratio | 16.8898% | 3,313 |
| Memoranda: | ||
| Average total assets | $205,318,600 | 2,982 |
| Average earning assets | $185,692,800 | 3,018 |
| Average equity | $19,280,800 | 3,293 |
| Average total loans | $133,250,400 | 2,822 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 4,356 |
| Cost of funding earning assets | 0.9972% | 1,575 |
| Net interest margin | 3.3255% | 5,294 |
| Noninterest income to average assets | 0.0809% | 6,686 |
| Noninterest expense to average assets | 3.3972% | 2,008 |
| Loan and lease loss provision to assets | 3.7458% | 21 |
| Net operating income to assets | -4.0199% | 7,139 |
| Return on assets (ROA) | -3.9525% | 7,140 |
| Pretax return on assets | -3.9525% | 7,139 |
| Return on Equity (ROE) | -42.8172% | 7,104 |
| Retained earnings to average equity (ytd only) | -42.8172% | 7,097 |
| Net charge-offs to loans | 7.0641% | 15 |
| Credit loss provision to net charge-offs | 80.1071% | 3,612 |
| Earnings coverage of net charge-offs (x) | -0.0586% | 5,356 |
| Efficiency ratio | 108.7770% | 328 |
| Assets per employee ($millions) | 3.5807% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0506% | 295 |
| Loan loss allowance to noncurrent loans | 23.5600% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 12.9248% | 133 |
| Noncurrent loans to loans | 17.1928% | 69 |
| Net loans and leases to total assets | 59.4296% | 3,888 |
| Net loans and leases to deposits | 75.1514% | 3,123 |
| Net loans and leases to core deposits | 79.3255% | 3,291 |
| Total domestic deposits to total assets | 79.0798% | 5,851 |
| Equity capital to assets | 9.8289% | 4,739 |
| Core capital (leverage) ratio | 9.0097% | 5,052 |
| Tier 1 risk-based capital ratio | 14.4206% | 4,241 |
| Total risk-based capital ratio | 15.7036% | 4,187 |
| Memoranda: | ||
| Average total assets | $207,693,250 | 2,989 |
| Average earning assets | $189,999,750 | 2,991 |
| Average equity | $19,172,500 | 3,331 |
| Average total loans | $137,480,750 | 2,784 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2357% | 4,831 |
| Cost of funding earning assets | 1.0158% | 1,673 |
| Net interest margin | 3.2199% | 5,675 |
| Noninterest income to average assets | 0.1874% | 6,226 |
| Noninterest expense to average assets | 3.4381% | 1,941 |
| Loan and lease loss provision to assets | 3.1238% | 55 |
| Net operating income to assets | -3.4069% | 7,172 |
| Return on assets (ROA) | -3.3075% | 7,171 |
| Pretax return on assets | -3.3075% | 7,162 |
| Return on Equity (ROE) | -36.5653% | 7,136 |
| Retained earnings to average equity (ytd only) | -36.5653% | 7,129 |
| Net charge-offs to loans | 7.5879% | 16 |
| Credit loss provision to net charge-offs | 60.9756% | 3,772 |
| Earnings coverage of net charge-offs (x) | -0.0552% | 5,110 |
| Efficiency ratio | 108.9709% | 348 |
| Assets per employee ($millions) | 3.6336% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0910% | 723 |
| Loan loss allowance to noncurrent loans | 18.4540% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 13.2055% | 142 |
| Noncurrent loans to loans | 16.7496% | 75 |
| Net loans and leases to total assets | 65.9146% | 2,685 |
| Net loans and leases to deposits | 82.7983% | 2,006 |
| Net loans and leases to core deposits | 87.5033% | 2,255 |
| Total domestic deposits to total assets | 79.6086% | 5,836 |
| Equity capital to assets | 9.2484% | 5,400 |
| Core capital (leverage) ratio | 8.5077% | 5,646 |
| Tier 1 risk-based capital ratio | 12.5409% | 5,540 |
| Total risk-based capital ratio | 13.8122% | 5,505 |
| Memoranda: | ||
| Average total assets | $211,278,000 | 2,956 |
| Average earning assets | $194,725,000 | 2,942 |
| Average equity | $19,111,000 | 3,339 |
| Average total loans | $142,647,330 | 2,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 4,716 |
| Cost of funding earning assets | 1.0666% | 1,582 |
| Net interest margin | 3.2382% | 5,674 |
| Noninterest income to average assets | 0.3309% | 5,216 |
| Noninterest expense to average assets | 3.0264% | 3,165 |
| Loan and lease loss provision to assets | 3.1602% | 68 |
| Net operating income to assets | -2.8758% | 7,214 |
| Return on assets (ROA) | -2.8758% | 7,216 |
| Pretax return on assets | -2.8758% | 7,203 |
| Return on Equity (ROE) | -32.1338% | 7,176 |
| Retained earnings to average equity (ytd only) | -32.1338% | 7,148 |
| Net charge-offs to loans | 6.1311% | 61 |
| Credit loss provision to net charge-offs | 76.6111% | 2,791 |
| Earnings coverage of net charge-offs (x) | 0.0689% | 4,335 |
| Efficiency ratio | 91.4093% | 983 |
| Assets per employee ($millions) | 3.7697% | 4,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1193% | 338 |
| Loan loss allowance to noncurrent loans | 22.1280% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 15.0141% | 105 |
| Noncurrent loans to loans | 18.6158% | 63 |
| Net loans and leases to total assets | 64.7335% | 2,704 |
| Net loans and leases to deposits | 83.3321% | 1,746 |
| Net loans and leases to core deposits | 88.0865% | 2,043 |
| Total domestic deposits to total assets | 77.6813% | 6,313 |
| Equity capital to assets | 8.7986% | 5,752 |
| Core capital (leverage) ratio | 8.1875% | 6,041 |
| Tier 1 risk-based capital ratio | 12.1442% | 5,864 |
| Total risk-based capital ratio | 13.4286% | 5,817 |
| Memoranda: | ||
| Average total assets | $215,175,500 | 2,943 |
| Average earning assets | $198,009,000 | 2,919 |
| Average equity | $19,257,000 | 3,316 |
| Average total loans | $144,769,500 | 2,709 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 4,689 |
| Cost of funding earning assets | 1.2084% | 1,977 |
| Net interest margin | 3.3890% | 5,518 |
| Noninterest income to average assets | 0.2271% | 5,908 |
| Noninterest expense to average assets | 3.9019% | 1,176 |
| Loan and lease loss provision to assets | 3.3479% | 91 |
| Net operating income to assets | -3.8448% | 7,245 |
| Return on assets (ROA) | -3.7964% | 7,250 |
| Pretax return on assets | -3.7964% | 7,258 |
| Return on Equity (ROE) | -42.7755% | 7,173 |
| Retained earnings to average equity (ytd only) | -42.7755% | 7,170 |
| Net charge-offs to loans | 3.5311% | 215 |
| Credit loss provision to net charge-offs | 136.6816% | 2,184 |
| Earnings coverage of net charge-offs (x) | -0.2029% | 5,958 |
| Efficiency ratio | 114.5935% | 358 |
| Assets per employee ($millions) | 3.9152% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3465% | 287 |
| Loan loss allowance to noncurrent loans | 22.7176% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 15.0896% | 117 |
| Noncurrent loans to loans | 19.1327% | 59 |
| Net loans and leases to total assets | 64.1391% | 3,163 |
| Net loans and leases to deposits | 82.4016% | 2,144 |
| Net loans and leases to core deposits | 88.0050% | 2,375 |
| Total domestic deposits to total assets | 77.8372% | 6,226 |
| Equity capital to assets | 9.0946% | 5,419 |
| Core capital (leverage) ratio | 8.4497% | 5,640 |
| Tier 1 risk-based capital ratio | 12.8288% | 5,215 |
| Total risk-based capital ratio | 14.1163% | 5,159 |
| Memoranda: | ||
| Average total assets | $227,608,400 | 2,756 |
| Average earning assets | $213,424,200 | 2,695 |
| Average equity | $20,200,800 | 3,105 |
| Average total loans | $157,884,600 | 2,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 4,533 |
| Cost of funding earning assets | 1.2042% | 2,295 |
| Net interest margin | 3.4794% | 5,275 |
| Noninterest income to average assets | 0.3053% | 5,415 |
| Noninterest expense to average assets | 3.7741% | 1,348 |
| Loan and lease loss provision to assets | 1.9794% | 281 |
| Net operating income to assets | -2.1709% | 7,165 |
| Return on assets (ROA) | -2.1071% | 7,162 |
| Pretax return on assets | -2.1071% | 7,143 |
| Return on Equity (ROE) | -23.8818% | 7,155 |
| Retained earnings to average equity (ytd only) | -23.8818% | 7,144 |
| Net charge-offs to loans | 3.0476% | 310 |
| Credit loss provision to net charge-offs | 92.8902% | 3,673 |
| Earnings coverage of net charge-offs (x) | -0.0899% | 5,652 |
| Efficiency ratio | 105.3467% | 518 |
| Assets per employee ($millions) | 4.0861% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6597% | 1,180 |
| Loan loss allowance to noncurrent loans | 15.0429% | 6,819 |
| Noncurrent assets plus other real estate owned to assets | 13.9939% | 157 |
| Noncurrent loans to loans | 17.6809% | 83 |
| Net loans and leases to total assets | 65.3201% | 3,051 |
| Net loans and leases to deposits | 84.1072% | 1,983 |
| Net loans and leases to core deposits | 89.6724% | 2,295 |
| Total domestic deposits to total assets | 77.6629% | 6,262 |
| Equity capital to assets | 8.7680% | 6,016 |
| Core capital (leverage) ratio | 8.2441% | 6,068 |
| Tier 1 risk-based capital ratio | 12.0515% | 5,858 |
| Total risk-based capital ratio | 13.3175% | 5,834 |
| Memoranda: | ||
| Average total assets | $229,698,000 | 2,735 |
| Average earning assets | $216,353,250 | 2,667 |
| Average equity | $20,266,000 | 3,106 |
| Average total loans | $160,602,000 | 2,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 4,033 |
| Cost of funding earning assets | 1.2112% | 2,498 |
| Net interest margin | 3.6033% | 4,707 |
| Noninterest income to average assets | 0.3035% | 5,466 |
| Noninterest expense to average assets | 3.0845% | 3,312 |
| Loan and lease loss provision to assets | 2.2201% | 256 |
| Net operating income to assets | -1.5966% | 7,124 |
| Return on assets (ROA) | -1.5009% | 7,110 |
| Pretax return on assets | -1.5009% | 7,073 |
| Return on Equity (ROE) | -16.9768% | 7,110 |
| Retained earnings to average equity (ytd only) | -16.9768% | 7,092 |
| Net charge-offs to loans | 2.3050% | 550 |
| Credit loss provision to net charge-offs | 135.9425% | 2,242 |
| Earnings coverage of net charge-offs (x) | 0.3818% | 5,022 |
| Efficiency ratio | 83.1848% | 1,930 |
| Assets per employee ($millions) | 4.0927% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2102% | 757 |
| Loan loss allowance to noncurrent loans | 20.7438% | 6,700 |
| Noncurrent assets plus other real estate owned to assets | 12.1553% | 257 |
| Noncurrent loans to loans | 15.4755% | 127 |
| Net loans and leases to total assets | 66.0387% | 3,017 |
| Net loans and leases to deposits | 83.0021% | 2,278 |
| Net loans and leases to core deposits | 88.9173% | 2,512 |
| Total domestic deposits to total assets | 79.5626% | 5,941 |
| Equity capital to assets | 8.9881% | 5,594 |
| Core capital (leverage) ratio | 8.9306% | 4,832 |
| Tier 1 risk-based capital ratio | 12.7719% | 5,115 |
| Total risk-based capital ratio | 14.0449% | 5,067 |
| Memoranda: | ||
| Average total assets | $229,990,330 | 2,753 |
| Average earning assets | $217,299,000 | 2,673 |
| Average equity | $20,333,670 | 3,081 |
| Average total loans | $162,952,670 | 2,497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 3,984 |
| Cost of funding earning assets | 1.2390% | 2,575 |
| Net interest margin | 3.5777% | 4,669 |
| Noninterest income to average assets | 0.3195% | 5,368 |
| Noninterest expense to average assets | 2.8213% | 4,369 |
| Loan and lease loss provision to assets | 1.4983% | 428 |
| Net operating income to assets | -0.6111% | 6,871 |
| Return on assets (ROA) | -0.6111% | 6,875 |
| Pretax return on assets | -0.6111% | 6,823 |
| Return on Equity (ROE) | -6.9701% | 6,915 |
| Retained earnings to average equity (ytd only) | -6.9701% | 6,677 |
| Net charge-offs to loans | 1.3330% | 1,038 |
| Credit loss provision to net charge-offs | 155.7762% | 1,840 |
| Earnings coverage of net charge-offs (x) | 0.9224% | 3,961 |
| Efficiency ratio | 76.0768% | 3,155 |
| Assets per employee ($millions) | 4.2484% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8131% | 1,097 |
| Loan loss allowance to noncurrent loans | 19.4322% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 11.4868% | 302 |
| Noncurrent loans to loans | 14.4765% | 169 |
| Net loans and leases to total assets | 70.0861% | 2,110 |
| Net loans and leases to deposits | 88.1860% | 1,442 |
| Net loans and leases to core deposits | 93.6223% | 1,938 |
| Total domestic deposits to total assets | 79.4754% | 6,065 |
| Equity capital to assets | 9.2872% | 4,749 |
| Core capital (leverage) ratio | 9.4673% | 3,865 |
| Tier 1 risk-based capital ratio | 13.0788% | 4,766 |
| Total risk-based capital ratio | 14.3473% | 4,730 |
| Memoranda: | ||
| Average total assets | $230,389,000 | 2,768 |
| Average earning assets | $218,243,500 | 2,683 |
| Average equity | $20,200,500 | 3,079 |
| Average total loans | $166,241,000 | 2,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 3,282 |
| Cost of funding earning assets | 1.7154% | 1,528 |
| Net interest margin | 3.5530% | 5,028 |
| Noninterest income to average assets | 0.3115% | 5,571 |
| Noninterest expense to average assets | 2.5943% | 5,442 |
| Loan and lease loss provision to assets | 2.6142% | 415 |
| Net operating income to assets | -1.5238% | 6,916 |
| Return on assets (ROA) | -1.2570% | 6,835 |
| Pretax return on assets | -1.2570% | 6,761 |
| Return on Equity (ROE) | -15.4132% | 6,929 |
| Retained earnings to average equity (ytd only) | -15.7282% | 6,909 |
| Net charge-offs to loans | 3.3995% | 435 |
| Credit loss provision to net charge-offs | 108.7743% | 4,059 |
| Earnings coverage of net charge-offs (x) | 0.4537% | 5,655 |
| Efficiency ratio | 70.4070% | 4,087 |
| Assets per employee ($millions) | 4.2067% | 3,371 |
| Cash dividends to net income (ytd only)* | -2.0435% | 7,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6011% | 1,291 |
| Loan loss allowance to noncurrent loans | 30.2787% | 6,272 |
| Noncurrent assets plus other real estate owned to assets | 6.8126% | 820 |
| Noncurrent loans to loans | 8.5907% | 568 |
| Net loans and leases to total assets | 70.3202% | 2,459 |
| Net loans and leases to deposits | 88.3915% | 1,738 |
| Net loans and leases to core deposits | 96.6054% | 1,934 |
| Total domestic deposits to total assets | 79.5553% | 5,953 |
| Equity capital to assets | 8.2532% | 6,198 |
| Core capital (leverage) ratio | 8.2896% | 5,700 |
| Tier 1 risk-based capital ratio | 11.2832% | 6,104 |
| Total risk-based capital ratio | 12.5482% | 6,078 |
| Memoranda: | ||
| Average total assets | $241,374,800 | 2,623 |
| Average earning assets | $229,159,000 | 2,532 |
| Average equity | $19,684,400 | 3,191 |
| Average total loans | $170,640,600 | 2,464 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3069% | 3,322 |
| Cost of funding earning assets | 1.8003% | 1,421 |
| Net interest margin | 3.5066% | 5,267 |
| Noninterest income to average assets | 0.3105% | 5,669 |
| Noninterest expense to average assets | 2.5171% | 5,650 |
| Loan and lease loss provision to assets | 1.8758% | 660 |
| Net operating income to assets | -0.7534% | 6,768 |
| Return on assets (ROA) | -0.4073% | 6,566 |
| Pretax return on assets | -0.4073% | 6,499 |
| Return on Equity (ROE) | -5.0087% | 6,650 |
| Retained earnings to average equity (ytd only) | -5.4255% | 6,588 |
| Net charge-offs to loans | 1.9004% | 1,004 |
| Credit loss provision to net charge-offs | 140.3272% | 2,832 |
| Earnings coverage of net charge-offs (x) | 0.8397% | 5,213 |
| Efficiency ratio | 69.1603% | 4,234 |
| Assets per employee ($millions) | 4.2572% | 3,338 |
| Cash dividends to net income (ytd only)* | -8.3217% | 7,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 1,018 |
| Loan loss allowance to noncurrent loans | 43.5316% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 5.2496% | 1,194 |
| Noncurrent loans to loans | 6.3860% | 939 |
| Net loans and leases to total assets | 70.7363% | 2,553 |
| Net loans and leases to deposits | 90.6962% | 1,625 |
| Net loans and leases to core deposits | 102.3544% | 1,621 |
| Total domestic deposits to total assets | 77.9925% | 6,261 |
| Equity capital to assets | 9.1656% | 5,360 |
| Core capital (leverage) ratio | 9.1968% | 4,378 |
| Tier 1 risk-based capital ratio | 12.5556% | 4,931 |
| Total risk-based capital ratio | 13.8242% | 4,894 |
| Memoranda: | ||
| Average total assets | $243,877,000 | 2,648 |
| Average earning assets | $231,517,000 | 2,545 |
| Average equity | $19,831,750 | 3,210 |
| Average total loans | $171,540,250 | 2,490 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 3,326 |
| Cost of funding earning assets | 1.8629% | 1,364 |
| Net interest margin | 3.4652% | 5,386 |
| Noninterest income to average assets | 0.3012% | 5,745 |
| Noninterest expense to average assets | 2.5388% | 5,576 |
| Loan and lease loss provision to assets | 1.1323% | 1,270 |
| Net operating income to assets | -0.0798% | 6,196 |
| Return on assets (ROA) | 0.0513% | 6,090 |
| Pretax return on assets | 0.0513% | 6,070 |
| Return on Equity (ROE) | 0.6577% | 6,040 |
| Retained earnings to average equity (ytd only) | 0.1253% | 5,691 |
| Net charge-offs to loans | 2.3429% | 749 |
| Credit loss provision to net charge-offs | 69.4805% | 4,981 |
| Earnings coverage of net charge-offs (x) | 0.6459% | 5,096 |
| Efficiency ratio | 70.6936% | 4,035 |
| Assets per employee ($millions) | 4.3212% | 3,177 |
| Cash dividends to net income (ytd only)* | 80.9524% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8800% | 2,472 |
| Loan loss allowance to noncurrent loans | 55.5939% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.9245% | 2,458 |
| Noncurrent loans to loans | 3.3816% | 2,361 |
| Net loans and leases to total assets | 69.5573% | 3,003 |
| Net loans and leases to deposits | 85.3204% | 2,631 |
| Net loans and leases to core deposits | 98.1240% | 2,214 |
| Total domestic deposits to total assets | 81.5248% | 5,189 |
| Equity capital to assets | 8.2219% | 6,511 |
| Core capital (leverage) ratio | 7.9490% | 6,327 |
| Tier 1 risk-based capital ratio | 11.0799% | 6,152 |
| Total risk-based capital ratio | 12.3373% | 6,132 |
| Memoranda: | ||
| Average total assets | $245,702,330 | 2,642 |
| Average earning assets | $233,292,000 | 2,557 |
| Average equity | $19,158,670 | 3,285 |
| Average total loans | $170,901,000 | 2,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2951% | 3,574 |
| Cost of funding earning assets | 1.9092% | 1,411 |
| Net interest margin | 3.3858% | 5,637 |
| Noninterest income to average assets | 0.2925% | 5,804 |
| Noninterest expense to average assets | 2.3526% | 6,239 |
| Loan and lease loss provision to assets | 1.1003% | 1,113 |
| Net operating income to assets | 0.0517% | 6,151 |
| Return on assets (ROA) | 0.0533% | 6,258 |
| Pretax return on assets | 0.0533% | 6,247 |
| Return on Equity (ROE) | 0.7025% | 6,207 |
| Retained earnings to average equity (ytd only) | -0.1703% | 5,872 |
| Net charge-offs to loans | 3.4354% | 417 |
| Credit loss provision to net charge-offs | 46.4846% | 4,534 |
| Earnings coverage of net charge-offs (x) | 0.4867% | 4,592 |
| Efficiency ratio | 67.1277% | 4,890 |
| Assets per employee ($millions) | 4.4716% | 3,006 |
| Cash dividends to net income (ytd only)* | 124.2424% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 2,770 |
| Loan loss allowance to noncurrent loans | 46.3900% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.3797% | 2,098 |
| Noncurrent loans to loans | 3.8563% | 2,054 |
| Net loans and leases to total assets | 66.9108% | 3,653 |
| Net loans and leases to deposits | 81.7381% | 3,332 |
| Net loans and leases to core deposits | 94.7418% | 2,739 |
| Total domestic deposits to total assets | 81.8600% | 5,130 |
| Equity capital to assets | 7.5525% | 7,031 |
| Core capital (leverage) ratio | 7.6438% | 6,687 |
| Tier 1 risk-based capital ratio | 10.1596% | 6,922 |
| Total risk-based capital ratio | 11.4145% | 6,908 |
| Memoranda: | ||
| Average total assets | $247,559,000 | 2,680 |
| Average earning assets | $234,860,000 | 2,595 |
| Average equity | $18,790,000 | 3,348 |
| Average total loans | $170,578,500 | 2,596 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8186% | 2,582 |
| Cost of funding earning assets | 2.3760% | 1,378 |
| Net interest margin | 3.4426% | 5,205 |
| Noninterest income to average assets | 0.3457% | 5,618 |
| Noninterest expense to average assets | 2.4746% | 6,221 |
| Loan and lease loss provision to assets | 1.6496% | 1,388 |
| Net operating income to assets | -0.5003% | 6,179 |
| Return on assets (ROA) | -0.2549% | 5,904 |
| Pretax return on assets | -0.2549% | 5,776 |
| Return on Equity (ROE) | -3.1137% | 6,001 |
| Retained earnings to average equity (ytd only) | -4.5528% | 5,961 |
| Net charge-offs to loans | 1.1516% | 2,124 |
| Credit loss provision to net charge-offs | 197.7915% | 1,990 |
| Earnings coverage of net charge-offs (x) | 1.3780% | 4,757 |
| Efficiency ratio | 68.2861% | 4,965 |
| Assets per employee ($millions) | 4.3698% | 3,165 |
| Cash dividends to net income (ytd only)* | -46.2185% | 7,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 1,564 |
| Loan loss allowance to noncurrent loans | 50.6804% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 3.3681% | 2,023 |
| Noncurrent loans to loans | 4.4379% | 1,608 |
| Net loans and leases to total assets | 68.1292% | 3,678 |
| Net loans and leases to deposits | 82.8722% | 3,478 |
| Net loans and leases to core deposits | 121.7647% | 1,803 |
| Total domestic deposits to total assets | 82.2100% | 4,860 |
| Equity capital to assets | 7.6286% | 6,922 |
| Core capital (leverage) ratio | 7.8212% | 6,422 |
| Tier 1 risk-based capital ratio | 10.1507% | 6,739 |
| Total risk-based capital ratio | 11.4158% | 6,686 |
| Memoranda: | ||
| Average total assets | $233,456,000 | 2,786 |
| Average earning assets | $222,303,200 | 2,678 |
| Average equity | $19,109,000 | 3,325 |
| Average total loans | $169,071,400 | 2,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9161% | 2,378 |
| Cost of funding earning assets | 2.5078% | 1,271 |
| Net interest margin | 3.4084% | 5,229 |
| Noninterest income to average assets | 0.3382% | 5,786 |
| Noninterest expense to average assets | 2.3597% | 6,530 |
| Loan and lease loss provision to assets | 1.3024% | 1,480 |
| Net operating income to assets | -0.0752% | 5,850 |
| Return on assets (ROA) | 0.2561% | 5,052 |
| Pretax return on assets | 0.2561% | 5,178 |
| Return on Equity (ROE) | 3.0732% | 4,760 |
| Retained earnings to average equity (ytd only) | 1.5401% | 4,450 |
| Net charge-offs to loans | 1.2076% | 1,685 |
| Credit loss provision to net charge-offs | 147.4476% | 3,286 |
| Earnings coverage of net charge-offs (x) | 1.3894% | 4,744 |
| Efficiency ratio | 65.7857% | 5,405 |
| Assets per employee ($millions) | 4.1227% | 3,522 |
| Cash dividends to net income (ytd only)* | 49.8874% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,034 |
| Loan loss allowance to noncurrent loans | 58.1528% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 2.3191% | 2,956 |
| Noncurrent loans to loans | 2.7331% | 2,774 |
| Net loans and leases to total assets | 71.2600% | 3,207 |
| Net loans and leases to deposits | 89.4786% | 2,677 |
| Net loans and leases to core deposits | 128.7328% | 1,522 |
| Total domestic deposits to total assets | 79.6392% | 5,582 |
| Equity capital to assets | 8.6209% | 6,084 |
| Core capital (leverage) ratio | 8.5266% | 5,439 |
| Tier 1 risk-based capital ratio | 11.0314% | 5,918 |
| Total risk-based capital ratio | 12.2826% | 5,883 |
| Memoranda: | ||
| Average total assets | $230,642,500 | 2,840 |
| Average earning assets | $219,845,750 | 2,723 |
| Average equity | $19,219,250 | 3,352 |
| Average total loans | $168,700,500 | 2,669 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 2,794 |
| Cost of funding earning assets | 2.6041% | 1,273 |
| Net interest margin | 3.2482% | 5,745 |
| Noninterest income to average assets | 0.3322% | 5,852 |
| Noninterest expense to average assets | 2.3802% | 6,524 |
| Loan and lease loss provision to assets | 1.0721% | 1,593 |
| Net operating income to assets | -0.0234% | 5,884 |
| Return on assets (ROA) | 0.2810% | 5,080 |
| Pretax return on assets | 0.2810% | 5,246 |
| Return on Equity (ROE) | 3.4121% | 4,743 |
| Retained earnings to average equity (ytd only) | 1.7060% | 4,391 |
| Net charge-offs to loans | 0.0981% | 5,188 |
| Credit loss provision to net charge-offs | 1,489.1566% | 349 |
| Earnings coverage of net charge-offs (x) | 14.5663% | 1,640 |
| Efficiency ratio | 69.4156% | 4,899 |
| Assets per employee ($millions) | 4.2528% | 3,198 |
| Cash dividends to net income (ytd only)* | 50.0000% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 2,037 |
| Loan loss allowance to noncurrent loans | 56.3265% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.6481% | 2,423 |
| Noncurrent loans to loans | 3.2007% | 2,227 |
| Net loans and leases to total assets | 71.8389% | 3,265 |
| Net loans and leases to deposits | 91.8580% | 2,497 |
| Net loans and leases to core deposits | 134.9541% | 1,266 |
| Total domestic deposits to total assets | 78.2064% | 6,020 |
| Equity capital to assets | 7.9558% | 6,807 |
| Core capital (leverage) ratio | 8.0911% | 6,177 |
| Tier 1 risk-based capital ratio | 10.4329% | 6,439 |
| Total risk-based capital ratio | 11.6763% | 6,399 |
| Memoranda: | ||
| Average total assets | $230,566,670 | 2,854 |
| Average earning assets | $219,811,330 | 2,743 |
| Average equity | $18,991,330 | 3,393 |
| Average total loans | $169,209,000 | 2,690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8295% | 3,146 |
| Cost of funding earning assets | 2.7086% | 1,248 |
| Net interest margin | 3.1209% | 6,138 |
| Noninterest income to average assets | 0.3408% | 5,731 |
| Noninterest expense to average assets | 2.2071% | 6,850 |
| Loan and lease loss provision to assets | 0.7951% | 1,622 |
| Net operating income to assets | 0.3146% | 5,243 |
| Return on assets (ROA) | 0.3146% | 5,416 |
| Pretax return on assets | 0.3146% | 5,643 |
| Return on Equity (ROE) | 3.7534% | 5,058 |
| Retained earnings to average equity (ytd only) | 1.8767% | 4,810 |
| Net charge-offs to loans | 0.0547% | 4,705 |
| Credit loss provision to net charge-offs | 1,978.2609% | 328 |
| Earnings coverage of net charge-offs (x) | 27.6087% | 1,128 |
| Efficiency ratio | 66.5437% | 5,223 |
| Assets per employee ($millions) | 4.2328% | 3,206 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4095% | 3,448 |
| Loan loss allowance to noncurrent loans | 39.6445% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 2.6578% | 2,158 |
| Noncurrent loans to loans | 3.5554% | 1,777 |
| Net loans and leases to total assets | 72.3421% | 3,162 |
| Net loans and leases to deposits | 93.3280% | 2,381 |
| Net loans and leases to core deposits | 136.1602% | 1,298 |
| Total domestic deposits to total assets | 77.5138% | 6,143 |
| Equity capital to assets | 8.4346% | 6,177 |
| Core capital (leverage) ratio | 8.2465% | 6,009 |
| Tier 1 risk-based capital ratio | 10.2569% | 6,637 |
| Total risk-based capital ratio | 11.5075% | 6,563 |
| Memoranda: | ||
| Average total assets | $228,898,000 | 2,881 |
| Average earning assets | $218,269,500 | 2,782 |
| Average equity | $19,182,500 | 3,388 |
| Average total loans | $168,254,000 | 2,727 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6157% | 2,410 |
| Cost of funding earning assets | 3.0035% | 1,855 |
| Net interest margin | 3.6122% | 4,826 |
| Noninterest income to average assets | 0.4532% | 5,014 |
| Noninterest expense to average assets | 2.3989% | 6,396 |
| Loan and lease loss provision to assets | 0.5522% | 2,613 |
| Net operating income to assets | 0.9440% | 2,816 |
| Return on assets (ROA) | 0.9440% | 2,674 |
| Pretax return on assets | 0.9440% | 3,574 |
| Return on Equity (ROE) | 11.1460% | 1,859 |
| Retained earnings to average equity (ytd only) | 5.5703% | 1,730 |
| Net charge-offs to loans | 0.6370% | 1,936 |
| Credit loss provision to net charge-offs | 115.6767% | 4,667 |
| Earnings coverage of net charge-offs (x) | 3.1344% | 4,520 |
| Efficiency ratio | 61.5871% | 6,031 |
| Assets per employee ($millions) | 4.0933% | 3,320 |
| Cash dividends to net income (ytd only)* | 50.0246% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,964 |
| Loan loss allowance to noncurrent loans | 80.7355% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.0440% | 4,209 |
| Noncurrent loans to loans | 1.4177% | 3,681 |
| Net loans and leases to total assets | 72.7927% | 3,412 |
| Net loans and leases to deposits | 96.2400% | 2,412 |
| Net loans and leases to core deposits | 143.1553% | 1,129 |
| Total domestic deposits to total assets | 75.6366% | 6,317 |
| Equity capital to assets | 8.3263% | 6,377 |
| Core capital (leverage) ratio | 8.4867% | 5,603 |
| Tier 1 risk-based capital ratio | 10.1725% | 6,548 |
| Total risk-based capital ratio | 11.2202% | 6,651 |
| Memoranda: | ||
| Average total assets | $215,137,400 | 2,938 |
| Average earning assets | $204,997,200 | 2,841 |
| Average equity | $18,221,800 | 3,518 |
| Average total loans | $161,221,200 | 2,754 |