Home > Community 1st Bank > Performance and Condition Ratios
Community 1st Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 4,183 |
| Cost of funding earning assets | 0.3913% | 3,285 |
| Net interest margin | 3.3581% | 3,987 |
| Noninterest income to average assets | 0.1326% | 5,341 |
| Noninterest expense to average assets | 2.0411% | 4,869 |
| Loan and lease loss provision to assets | 0.0418% | 3,272 |
| Net operating income to assets | 0.6991% | 3,991 |
| Return on assets (ROA) | 0.6991% | 4,049 |
| Pretax return on assets | 1.2289% | 2,789 |
| Return on Equity (ROE) | 8.1617% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,158 |
| Net charge-offs to loans | 0.0061% | 3,513 |
| Credit loss provision to net charge-offs | 1,200.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 365.0825% | 255 |
| Efficiency ratio | 61.6315% | 3,933 |
| Assets per employee ($millions) | 10.2593% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 2,081 |
| Loan loss allowance to noncurrent loans | 1,101.7794% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,596 |
| Noncurrent loans to loans | 0.1234% | 4,563 |
| Net loans and leases to total assets | 54.7356% | 4,349 |
| Net loans and leases to deposits | 59.8347% | 4,648 |
| Net loans and leases to core deposits | 62.9415% | 4,655 |
| Total domestic deposits to total assets | 91.4780% | 101 |
| Equity capital to assets | 8.3636% | 5,362 |
| Core capital (leverage) ratio | 8.8607% | 4,911 |
| Tier 1 risk-based capital ratio | 13.3132% | 3,814 |
| Total risk-based capital ratio | 14.4921% | 3,771 |
| Memoranda: | ||
| Average total assets | $382,980,750 | 1,795 |
| Average earning assets | $362,573,500 | 1,752 |
| Average equity | $32,803,000 | 2,193 |
| Average total loans | $219,044,750 | 2,015 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 4,009 |
| Cost of funding earning assets | 0.3912% | 3,160 |
| Net interest margin | 3.3768% | 3,849 |
| Noninterest income to average assets | 0.1279% | 5,412 |
| Noninterest expense to average assets | 2.0992% | 4,773 |
| Loan and lease loss provision to assets | 0.0642% | 2,684 |
| Net operating income to assets | 0.6543% | 4,055 |
| Return on assets (ROA) | 0.6543% | 4,113 |
| Pretax return on assets | 1.1464% | 2,991 |
| Return on Equity (ROE) | 7.5735% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.5735% | 1,322 |
| Net charge-offs to loans | 0.0065% | 3,225 |
| Credit loss provision to net charge-offs | 1,714.2857% | 240 |
| Earnings coverage of net charge-offs (x) | 323.2857% | 259 |
| Efficiency ratio | 63.4233% | 3,775 |
| Assets per employee ($millions) | 9.2921% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 1,926 |
| Loan loss allowance to noncurrent loans | 1,210.9375% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,670 |
| Noncurrent loans to loans | 0.1162% | 4,654 |
| Net loans and leases to total assets | 55.6806% | 4,255 |
| Net loans and leases to deposits | 61.0138% | 4,562 |
| Net loans and leases to core deposits | 64.5084% | 4,569 |
| Total domestic deposits to total assets | 91.2591% | 162 |
| Equity capital to assets | 8.5928% | 5,235 |
| Core capital (leverage) ratio | 9.2238% | 4,464 |
| Tier 1 risk-based capital ratio | 13.5483% | 3,675 |
| Total risk-based capital ratio | 14.7699% | 3,606 |
| Memoranda: | ||
| Average total assets | $373,850,000 | 1,827 |
| Average earning assets | $352,285,000 | 1,808 |
| Average equity | $32,296,670 | 2,212 |
| Average total loans | $216,154,330 | 2,038 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,034 |
| Cost of funding earning assets | 0.3941% | 3,050 |
| Net interest margin | 3.3297% | 3,918 |
| Noninterest income to average assets | 0.1510% | 5,356 |
| Noninterest expense to average assets | 2.1693% | 4,723 |
| Loan and lease loss provision to assets | 0.1039% | 1,837 |
| Net operating income to assets | 0.5634% | 4,319 |
| Return on assets (ROA) | 0.5634% | 4,361 |
| Pretax return on assets | 1.0021% | 3,364 |
| Return on Equity (ROE) | 6.5030% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.5030% | 2,078 |
| Net charge-offs to loans | 0.0168% | 2,455 |
| Credit loss provision to net charge-offs | 1,055.5556% | 299 |
| Earnings coverage of net charge-offs (x) | 112.3333% | 482 |
| Efficiency ratio | 66.2325% | 3,460 |
| Assets per employee ($millions) | 8.4768% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 2,055 |
| Loan loss allowance to noncurrent loans | 351.0857% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 1,488 |
| Noncurrent loans to loans | 0.3997% | 3,661 |
| Net loans and leases to total assets | 57.8708% | 3,986 |
| Net loans and leases to deposits | 63.3929% | 4,341 |
| Net loans and leases to core deposits | 68.8050% | 4,236 |
| Total domestic deposits to total assets | 91.2891% | 215 |
| Equity capital to assets | 8.5734% | 5,186 |
| Core capital (leverage) ratio | 9.2079% | 4,473 |
| Tier 1 risk-based capital ratio | 13.1885% | 3,960 |
| Total risk-based capital ratio | 14.3917% | 3,907 |
| Memoranda: | ||
| Average total assets | $365,641,500 | 1,877 |
| Average earning assets | $343,098,500 | 1,854 |
| Average equity | $31,677,500 | 2,252 |
| Average total loans | $214,030,000 | 2,071 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6040% | 4,495 |
| Cost of funding earning assets | 0.3980% | 3,017 |
| Net interest margin | 3.2059% | 4,441 |
| Noninterest income to average assets | 0.1515% | 5,449 |
| Noninterest expense to average assets | 2.3153% | 4,524 |
| Loan and lease loss provision to assets | 0.0724% | 2,907 |
| Net operating income to assets | 0.4772% | 4,720 |
| Return on assets (ROA) | 0.4772% | 4,797 |
| Pretax return on assets | 0.7651% | 4,284 |
| Return on Equity (ROE) | 5.1258% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.1258% | 2,262 |
| Net charge-offs to loans | -0.0083% | 4,897 |
| Credit loss provision to net charge-offs | -1,533.3333% | 5,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4366% | 2,355 |
| Assets per employee ($millions) | 8.9576% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 1,973 |
| Loan loss allowance to noncurrent loans | 446.3378% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.1800% | 1,539 |
| Noncurrent loans to loans | 0.3199% | 4,001 |
| Net loans and leases to total assets | 57.5366% | 4,114 |
| Net loans and leases to deposits | 63.1418% | 4,465 |
| Net loans and leases to core deposits | 74.1075% | 3,913 |
| Total domestic deposits to total assets | 91.1229% | 243 |
| Equity capital to assets | 8.7574% | 5,056 |
| Core capital (leverage) ratio | 9.2497% | 4,407 |
| Tier 1 risk-based capital ratio | 13.5637% | 3,733 |
| Total risk-based capital ratio | 14.7853% | 3,657 |
| Memoranda: | ||
| Average total assets | $317,493,800 | 2,073 |
| Average earning assets | $297,228,800 | 2,063 |
| Average equity | $29,556,600 | 2,389 |
| Average total loans | $180,932,200 | 2,304 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 4,668 |
| Cost of funding earning assets | 0.3910% | 3,118 |
| Net interest margin | 3.1647% | 4,591 |
| Noninterest income to average assets | 0.1614% | 5,464 |
| Noninterest expense to average assets | 2.3404% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4855% | 4,746 |
| Return on assets (ROA) | 0.4855% | 4,839 |
| Pretax return on assets | 0.7849% | 4,349 |
| Return on Equity (ROE) | 5.1268% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.1268% | 2,736 |
| Net charge-offs to loans | -0.0092% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8855% | 2,123 |
| Assets per employee ($millions) | 8.7640% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4629% | 1,916 |
| Loan loss allowance to noncurrent loans | 291.7373% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 1,337 |
| Noncurrent loans to loans | 0.5015% | 3,502 |
| Net loans and leases to total assets | 52.9151% | 4,579 |
| Net loans and leases to deposits | 57.9520% | 4,878 |
| Net loans and leases to core deposits | 68.0418% | 4,467 |
| Total domestic deposits to total assets | 91.3085% | 141 |
| Equity capital to assets | 8.5107% | 5,524 |
| Core capital (leverage) ratio | 9.1448% | 4,666 |
| Tier 1 risk-based capital ratio | 13.6980% | 3,744 |
| Total risk-based capital ratio | 14.9446% | 3,664 |
| Memoranda: | ||
| Average total assets | $307,291,250 | 2,132 |
| Average earning assets | $287,792,250 | 2,123 |
| Average equity | $29,101,250 | 2,450 |
| Average total loans | $173,879,750 | 2,377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5930% | 4,610 |
| Cost of funding earning assets | 0.4064% | 2,971 |
| Net interest margin | 3.1866% | 4,587 |
| Noninterest income to average assets | 0.1584% | 5,523 |
| Noninterest expense to average assets | 2.3949% | 4,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4610% | 4,833 |
| Return on assets (ROA) | 0.4610% | 4,919 |
| Pretax return on assets | 0.7409% | 4,490 |
| Return on Equity (ROE) | 4.6783% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.6783% | 2,932 |
| Net charge-offs to loans | -0.0106% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3720% | 2,032 |
| Assets per employee ($millions) | 7.9226% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 1,702 |
| Loan loss allowance to noncurrent loans | 380.1105% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 1,278 |
| Noncurrent loans to loans | 0.4062% | 3,903 |
| Net loans and leases to total assets | 55.3721% | 4,374 |
| Net loans and leases to deposits | 61.1514% | 4,722 |
| Net loans and leases to core deposits | 73.4318% | 4,040 |
| Total domestic deposits to total assets | 90.5492% | 301 |
| Equity capital to assets | 9.2892% | 4,983 |
| Core capital (leverage) ratio | 9.5895% | 4,082 |
| Tier 1 risk-based capital ratio | 13.9986% | 3,604 |
| Total risk-based capital ratio | 15.2493% | 3,523 |
| Memoranda: | ||
| Average total assets | $292,868,330 | 2,226 |
| Average earning assets | $273,645,330 | 2,216 |
| Average equity | $28,856,670 | 2,465 |
| Average total loans | $169,088,670 | 2,428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6208% | 4,563 |
| Cost of funding earning assets | 0.4111% | 2,946 |
| Net interest margin | 3.2096% | 4,552 |
| Noninterest income to average assets | 0.1809% | 5,415 |
| Noninterest expense to average assets | 2.4625% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4472% | 4,843 |
| Return on assets (ROA) | 0.4472% | 4,923 |
| Pretax return on assets | 0.7093% | 4,493 |
| Return on Equity (ROE) | 4.3968% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3968% | 3,282 |
| Net charge-offs to loans | -0.0049% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6381% | 1,952 |
| Assets per employee ($millions) | 8.0519% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 1,437 |
| Loan loss allowance to noncurrent loans | 1,282.2430% | 465 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 1,452 |
| Noncurrent loans to loans | 0.1299% | 4,952 |
| Net loans and leases to total assets | 54.3571% | 4,418 |
| Net loans and leases to deposits | 60.2462% | 4,698 |
| Net loans and leases to core deposits | 68.9940% | 4,321 |
| Total domestic deposits to total assets | 90.2249% | 515 |
| Equity capital to assets | 9.6127% | 4,553 |
| Core capital (leverage) ratio | 10.5243% | 2,933 |
| Tier 1 risk-based capital ratio | 14.8743% | 3,215 |
| Total risk-based capital ratio | 16.1258% | 3,153 |
| Memoranda: | ||
| Average total assets | $280,850,000 | 2,308 |
| Average earning assets | $261,711,000 | 2,290 |
| Average equity | $28,566,000 | 2,472 |
| Average total loans | $164,518,500 | 2,471 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,437 |
| Cost of funding earning assets | 0.4211% | 2,928 |
| Net interest margin | 3.5473% | 3,336 |
| Noninterest income to average assets | 0.2700% | 4,939 |
| Noninterest expense to average assets | 2.6633% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5431% | 4,529 |
| Return on assets (ROA) | 0.5175% | 4,711 |
| Pretax return on assets | 0.8325% | 4,099 |
| Return on Equity (ROE) | 5.0212% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.4502% | 2,819 |
| Net charge-offs to loans | -0.0934% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3216% | 2,381 |
| Assets per employee ($millions) | 7.3273% | 774 |
| Cash dividends to net income (ytd only)* | 11.3710% | 4,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 1,423 |
| Loan loss allowance to noncurrent loans | 1,263.5945% | 483 |
| Noncurrent assets plus other real estate owned to assets | 1.6138% | 1,220 |
| Noncurrent loans to loans | 0.1320% | 4,960 |
| Net loans and leases to total assets | 61.2671% | 3,653 |
| Net loans and leases to deposits | 68.8216% | 4,048 |
| Net loans and leases to core deposits | 77.2283% | 3,637 |
| Total domestic deposits to total assets | 89.0231% | 1,107 |
| Equity capital to assets | 10.8021% | 3,027 |
| Core capital (leverage) ratio | 11.1967% | 2,220 |
| Tier 1 risk-based capital ratio | 14.2645% | 3,571 |
| Total risk-based capital ratio | 15.5206% | 3,483 |
| Memoranda: | ||
| Average total assets | $239,630,400 | 2,581 |
| Average earning assets | $220,616,200 | 2,579 |
| Average equity | $24,695,400 | 2,724 |
| Average total loans | $153,110,200 | 2,555 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0020% | 3,334 |
| Cost of funding earning assets | 0.4213% | 2,998 |
| Net interest margin | 3.5808% | 3,234 |
| Noninterest income to average assets | 0.2991% | 4,796 |
| Noninterest expense to average assets | 2.6593% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5773% | 4,494 |
| Return on assets (ROA) | 0.5422% | 4,717 |
| Pretax return on assets | 0.8744% | 4,069 |
| Return on Equity (ROE) | 5.3342% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.7446% | 3,096 |
| Net charge-offs to loans | -0.1251% | 5,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1053% | 2,537 |
| Assets per employee ($millions) | 6.7614% | 959 |
| Cash dividends to net income (ytd only)* | 11.0529% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 1,325 |
| Loan loss allowance to noncurrent loans | 1,191.3043% | 487 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 1,235 |
| Noncurrent loans to loans | 0.1484% | 5,049 |
| Net loans and leases to total assets | 62.5647% | 3,528 |
| Net loans and leases to deposits | 69.5900% | 4,033 |
| Net loans and leases to core deposits | 78.2537% | 3,585 |
| Total domestic deposits to total assets | 89.9046% | 614 |
| Equity capital to assets | 9.8328% | 4,359 |
| Core capital (leverage) ratio | 9.7850% | 3,922 |
| Tier 1 risk-based capital ratio | 12.3378% | 4,862 |
| Total risk-based capital ratio | 13.5959% | 4,765 |
| Memoranda: | ||
| Average total assets | $233,592,750 | 2,654 |
| Average earning assets | $214,586,500 | 2,655 |
| Average equity | $23,745,750 | 2,830 |
| Average total loans | $150,299,500 | 2,603 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 3,205 |
| Cost of funding earning assets | 0.4147% | 3,100 |
| Net interest margin | 3.6046% | 3,075 |
| Noninterest income to average assets | 0.3482% | 4,468 |
| Noninterest expense to average assets | 2.6936% | 3,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5883% | 4,402 |
| Return on assets (ROA) | 0.5349% | 4,739 |
| Pretax return on assets | 0.8770% | 4,041 |
| Return on Equity (ROE) | 5.2020% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.6109% | 3,102 |
| Net charge-offs to loans | -0.1883% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7167% | 2,718 |
| Assets per employee ($millions) | 6.6180% | 1,000 |
| Cash dividends to net income (ytd only)* | 11.3636% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 1,422 |
| Loan loss allowance to noncurrent loans | 1,086.9048% | 527 |
| Noncurrent assets plus other real estate owned to assets | 1.8534% | 1,237 |
| Noncurrent loans to loans | 0.1632% | 5,110 |
| Net loans and leases to total assets | 65.4886% | 3,046 |
| Net loans and leases to deposits | 73.2493% | 3,582 |
| Net loans and leases to core deposits | 82.7539% | 3,105 |
| Total domestic deposits to total assets | 89.4051% | 949 |
| Equity capital to assets | 10.3406% | 3,630 |
| Core capital (leverage) ratio | 9.9891% | 3,620 |
| Tier 1 risk-based capital ratio | 12.3599% | 4,906 |
| Total risk-based capital ratio | 13.6192% | 4,796 |
| Memoranda: | ||
| Average total assets | $230,320,670 | 2,697 |
| Average earning assets | $211,231,330 | 2,704 |
| Average equity | $23,683,000 | 2,842 |
| Average total loans | $148,723,330 | 2,636 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,410 |
| Cost of funding earning assets | 0.4085% | 3,214 |
| Net interest margin | 3.5433% | 3,248 |
| Noninterest income to average assets | 0.3135% | 4,683 |
| Noninterest expense to average assets | 2.7153% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5051% | 4,661 |
| Return on assets (ROA) | 0.5051% | 4,780 |
| Pretax return on assets | 0.8464% | 4,075 |
| Return on Equity (ROE) | 4.9260% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.3315% | 3,414 |
| Net charge-offs to loans | 0.2276% | 1,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.8554% | 2,351 |
| Efficiency ratio | 76.2347% | 2,477 |
| Assets per employee ($millions) | 6.5516% | 1,049 |
| Cash dividends to net income (ytd only)* | 12.0690% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 1,627 |
| Loan loss allowance to noncurrent loans | 2,491.0891% | 259 |
| Noncurrent assets plus other real estate owned to assets | 1.8063% | 1,358 |
| Noncurrent loans to loans | 0.0700% | 5,491 |
| Net loans and leases to total assets | 61.8684% | 3,388 |
| Net loans and leases to deposits | 69.8823% | 3,759 |
| Net loans and leases to core deposits | 79.6993% | 3,202 |
| Total domestic deposits to total assets | 88.5324% | 1,532 |
| Equity capital to assets | 10.3238% | 3,751 |
| Core capital (leverage) ratio | 9.8882% | 3,766 |
| Tier 1 risk-based capital ratio | 12.2528% | 5,072 |
| Total risk-based capital ratio | 13.5042% | 4,982 |
| Memoranda: | ||
| Average total assets | $229,665,500 | 2,725 |
| Average earning assets | $210,539,500 | 2,724 |
| Average equity | $23,548,500 | 2,878 |
| Average total loans | $145,869,500 | 2,677 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,487 |
| Cost of funding earning assets | 0.4399% | 3,275 |
| Net interest margin | 3.3628% | 4,361 |
| Noninterest income to average assets | 0.2771% | 5,132 |
| Noninterest expense to average assets | 2.9033% | 3,141 |
| Loan and lease loss provision to assets | 0.1726% | 1,506 |
| Net operating income to assets | 0.6636% | 4,071 |
| Return on assets (ROA) | 0.6754% | 4,125 |
| Pretax return on assets | 0.3070% | 5,691 |
| Return on Equity (ROE) | 6.7270% | 3,777 |
| Retained earnings to average equity (ytd only) | 6.0937% | 1,860 |
| Net charge-offs to loans | 0.3773% | 1,140 |
| Credit loss provision to net charge-offs | 77.3931% | 2,916 |
| Earnings coverage of net charge-offs (x) | 2.0978% | 4,248 |
| Efficiency ratio | 86.1223% | 1,157 |
| Assets per employee ($millions) | 6.5721% | 1,016 |
| Cash dividends to net income (ytd only)* | 9.4149% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7638% | 1,616 |
| Loan loss allowance to noncurrent loans | 66.7266% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.0337% | 1,245 |
| Noncurrent loans to loans | 2.6433% | 932 |
| Net loans and leases to total assets | 62.9306% | 3,373 |
| Net loans and leases to deposits | 70.2529% | 3,878 |
| Net loans and leases to core deposits | 79.2350% | 3,386 |
| Total domestic deposits to total assets | 89.5772% | 933 |
| Equity capital to assets | 10.1828% | 3,877 |
| Core capital (leverage) ratio | 10.0056% | 3,568 |
| Tier 1 risk-based capital ratio | 13.1510% | 4,622 |
| Total risk-based capital ratio | 14.4043% | 4,546 |
| Memoranda: | ||
| Average total assets | $220,160,000 | 2,783 |
| Average earning assets | $202,567,200 | 2,778 |
| Average equity | $22,104,800 | 2,938 |
| Average total loans | $130,127,000 | 2,864 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 4,730 |
| Cost of funding earning assets | 0.4499% | 3,250 |
| Net interest margin | 3.2931% | 4,632 |
| Noninterest income to average assets | 0.2928% | 5,103 |
| Noninterest expense to average assets | 2.9380% | 2,998 |
| Loan and lease loss provision to assets | 0.1102% | 2,209 |
| Net operating income to assets | 0.2634% | 5,701 |
| Return on assets (ROA) | 0.2652% | 5,761 |
| Pretax return on assets | 0.2676% | 5,831 |
| Return on Equity (ROE) | 2.6513% | 5,672 |
| Retained earnings to average equity (ytd only) | 2.0083% | 5,047 |
| Net charge-offs to loans | 0.5214% | 736 |
| Credit loss provision to net charge-offs | 36.5854% | 3,342 |
| Earnings coverage of net charge-offs (x) | 1.2480% | 4,195 |
| Efficiency ratio | 88.6527% | 944 |
| Assets per employee ($millions) | 6.1999% | 1,200 |
| Cash dividends to net income (ytd only)* | 24.2500% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7927% | 1,707 |
| Loan loss allowance to noncurrent loans | 57.9787% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2084% | 1,250 |
| Noncurrent loans to loans | 3.0919% | 846 |
| Net loans and leases to total assets | 58.8584% | 3,953 |
| Net loans and leases to deposits | 65.5950% | 4,377 |
| Net loans and leases to core deposits | 73.9749% | 3,940 |
| Total domestic deposits to total assets | 89.7301% | 860 |
| Equity capital to assets | 9.9823% | 4,185 |
| Core capital (leverage) ratio | 10.0169% | 3,656 |
| Tier 1 risk-based capital ratio | 13.7324% | 4,398 |
| Total risk-based capital ratio | 14.9850% | 4,328 |
| Memoranda: | ||
| Average total assets | $217,693,750 | 2,831 |
| Average earning assets | $199,726,750 | 2,829 |
| Average equity | $21,775,250 | 2,974 |
| Average total loans | $125,820,000 | 2,960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,921 |
| Cost of funding earning assets | 0.4598% | 3,217 |
| Net interest margin | 3.2206% | 4,871 |
| Noninterest income to average assets | 0.2066% | 5,718 |
| Noninterest expense to average assets | 2.9584% | 2,973 |
| Loan and lease loss provision to assets | 0.0463% | 3,384 |
| Net operating income to assets | 0.1408% | 5,965 |
| Return on assets (ROA) | 0.1334% | 6,024 |
| Pretax return on assets | 0.1343% | 6,049 |
| Return on Equity (ROE) | 1.3329% | 5,982 |
| Retained earnings to average equity (ytd only) | 0.6850% | 5,462 |
| Net charge-offs to loans | 0.6560% | 586 |
| Credit loss provision to net charge-offs | 12.3762% | 3,280 |
| Earnings coverage of net charge-offs (x) | 0.5025% | 4,032 |
| Efficiency ratio | 94.0224% | 635 |
| Assets per employee ($millions) | 5.9192% | 1,333 |
| Cash dividends to net income (ytd only)* | 48.6111% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 1,742 |
| Loan loss allowance to noncurrent loans | 54.2857% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.3437% | 1,256 |
| Noncurrent loans to loans | 3.3792% | 811 |
| Net loans and leases to total assets | 57.5658% | 4,041 |
| Net loans and leases to deposits | 65.9814% | 4,270 |
| Net loans and leases to core deposits | 73.7407% | 3,867 |
| Total domestic deposits to total assets | 87.2454% | 2,325 |
| Equity capital to assets | 10.0049% | 4,099 |
| Core capital (leverage) ratio | 9.9717% | 3,655 |
| Tier 1 risk-based capital ratio | 14.5499% | 3,896 |
| Total risk-based capital ratio | 15.8018% | 3,839 |
| Memoranda: | ||
| Average total assets | $215,860,000 | 2,859 |
| Average earning assets | $197,043,000 | 2,872 |
| Average equity | $21,607,000 | 2,989 |
| Average total loans | $123,171,000 | 3,007 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 4,767 |
| Cost of funding earning assets | 0.4640% | 3,274 |
| Net interest margin | 3.2586% | 4,708 |
| Noninterest income to average assets | 0.1979% | 5,779 |
| Noninterest expense to average assets | 2.9027% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2423% | 5,685 |
| Return on assets (ROA) | 0.2072% | 5,834 |
| Pretax return on assets | 0.2091% | 5,907 |
| Return on Equity (ROE) | 2.0695% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.4170% | 5,049 |
| Net charge-offs to loans | 1.4170% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.3068% | 3,378 |
| Efficiency ratio | 92.2301% | 867 |
| Assets per employee ($millions) | 5.7108% | 1,529 |
| Cash dividends to net income (ytd only)* | 31.5315% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 1,954 |
| Loan loss allowance to noncurrent loans | 49.0019% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 2.7155% | 1,122 |
| Noncurrent loans to loans | 3.7364% | 753 |
| Net loans and leases to total assets | 56.4068% | 4,093 |
| Net loans and leases to deposits | 62.8735% | 4,448 |
| Net loans and leases to core deposits | 68.9554% | 4,215 |
| Total domestic deposits to total assets | 89.7148% | 1,235 |
| Equity capital to assets | 9.9645% | 3,884 |
| Core capital (leverage) ratio | 10.1247% | 3,396 |
| Tier 1 risk-based capital ratio | 14.0774% | 4,277 |
| Total risk-based capital ratio | 15.3303% | 4,219 |
| Memoranda: | ||
| Average total assets | $214,284,000 | 2,886 |
| Average earning assets | $193,950,500 | 2,921 |
| Average equity | $21,454,500 | 2,999 |
| Average total loans | $120,540,500 | 3,063 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 5,362 |
| Cost of funding earning assets | 0.4245% | 4,382 |
| Net interest margin | 3.1937% | 5,020 |
| Noninterest income to average assets | 0.1898% | 5,951 |
| Noninterest expense to average assets | 2.8190% | 3,659 |
| Loan and lease loss provision to assets | 0.1693% | 2,164 |
| Net operating income to assets | 0.6019% | 4,250 |
| Return on assets (ROA) | 0.8899% | 2,923 |
| Pretax return on assets | 0.4607% | 5,321 |
| Return on Equity (ROE) | 8.7664% | 2,661 |
| Retained earnings to average equity (ytd only) | 8.1181% | 1,020 |
| Net charge-offs to loans | -0.2924% | 6,671 |
| Credit loss provision to net charge-offs | -121.9931% | 5,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1823% | 1,092 |
| Assets per employee ($millions) | 5.8766% | 1,356 |
| Cash dividends to net income (ytd only)* | 7.3955% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3284% | 1,012 |
| Loan loss allowance to noncurrent loans | 177.5885% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 1.1326% | 3,132 |
| Noncurrent loans to loans | 1.3111% | 2,946 |
| Net loans and leases to total assets | 53.7345% | 4,619 |
| Net loans and leases to deposits | 61.0187% | 4,825 |
| Net loans and leases to core deposits | 68.4586% | 4,456 |
| Total domestic deposits to total assets | 88.0623% | 2,142 |
| Equity capital to assets | 10.0611% | 3,681 |
| Core capital (leverage) ratio | 9.4079% | 4,405 |
| Tier 1 risk-based capital ratio | 13.9893% | 4,305 |
| Total risk-based capital ratio | 15.2455% | 4,237 |
| Memoranda: | ||
| Average total assets | $209,682,200 | 2,916 |
| Average earning assets | $195,073,200 | 2,888 |
| Average equity | $21,285,800 | 3,002 |
| Average total loans | $99,536,000 | 3,456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 5,491 |
| Cost of funding earning assets | 0.4290% | 4,516 |
| Net interest margin | 3.1534% | 5,139 |
| Noninterest income to average assets | 0.1855% | 6,085 |
| Noninterest expense to average assets | 2.7595% | 3,797 |
| Loan and lease loss provision to assets | 0.1976% | 1,841 |
| Net operating income to assets | 0.1695% | 5,985 |
| Return on assets (ROA) | 0.5353% | 4,791 |
| Pretax return on assets | 0.5360% | 5,249 |
| Return on Equity (ROE) | 5.2615% | 4,591 |
| Retained earnings to average equity (ytd only) | 4.6164% | 3,383 |
| Net charge-offs to loans | 0.1371% | 3,167 |
| Credit loss provision to net charge-offs | 316.3265% | 812 |
| Earnings coverage of net charge-offs (x) | 5.8879% | 3,084 |
| Efficiency ratio | 88.2413% | 1,146 |
| Assets per employee ($millions) | 7.1193% | 699 |
| Cash dividends to net income (ytd only)* | 12.2619% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1613% | 1,396 |
| Loan loss allowance to noncurrent loans | 147.2186% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 3,652 |
| Noncurrent loans to loans | 1.4681% | 2,967 |
| Net loans and leases to total assets | 42.5652% | 5,855 |
| Net loans and leases to deposits | 49.2016% | 5,889 |
| Net loans and leases to core deposits | 53.6214% | 5,790 |
| Total domestic deposits to total assets | 86.5119% | 2,963 |
| Equity capital to assets | 8.5050% | 5,735 |
| Core capital (leverage) ratio | 9.6649% | 4,151 |
| Tier 1 risk-based capital ratio | 14.5296% | 4,055 |
| Total risk-based capital ratio | 15.7836% | 4,005 |
| Memoranda: | ||
| Average total assets | $209,213,500 | 2,941 |
| Average earning assets | $195,168,000 | 2,910 |
| Average equity | $21,286,000 | 3,045 |
| Average total loans | $95,322,750 | 3,591 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 5,172 |
| Cost of funding earning assets | 0.4744% | 4,151 |
| Net interest margin | 3.2158% | 4,886 |
| Noninterest income to average assets | 0.1816% | 6,119 |
| Noninterest expense to average assets | 2.8285% | 3,578 |
| Loan and lease loss provision to assets | 0.2118% | 1,789 |
| Net operating income to assets | 0.1352% | 6,055 |
| Return on assets (ROA) | 0.5921% | 4,515 |
| Pretax return on assets | 0.5931% | 5,038 |
| Return on Equity (ROE) | 5.4556% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.8236% | 3,172 |
| Net charge-offs to loans | 0.1065% | 3,300 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 7.0408% | 2,608 |
| Efficiency ratio | 89.0441% | 1,130 |
| Assets per employee ($millions) | 6.1515% | 1,097 |
| Cash dividends to net income (ytd only)* | 11.5843% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 1,275 |
| Loan loss allowance to noncurrent loans | 146.2853% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.1877% | 3,377 |
| Noncurrent loans to loans | 1.5654% | 2,962 |
| Net loans and leases to total assets | 46.7694% | 5,451 |
| Net loans and leases to deposits | 53.8556% | 5,534 |
| Net loans and leases to core deposits | 62.6429% | 5,044 |
| Total domestic deposits to total assets | 86.8422% | 2,917 |
| Equity capital to assets | 10.3853% | 3,447 |
| Core capital (leverage) ratio | 10.6612% | 2,706 |
| Tier 1 risk-based capital ratio | 15.5788% | 3,439 |
| Total risk-based capital ratio | 16.8332% | 3,387 |
| Memoranda: | ||
| Average total assets | $198,265,670 | 3,087 |
| Average earning assets | $184,648,000 | 3,052 |
| Average equity | $21,519,000 | 3,031 |
| Average total loans | $91,994,330 | 3,672 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,937 |
| Cost of funding earning assets | 0.5350% | 3,727 |
| Net interest margin | 3.2320% | 4,797 |
| Noninterest income to average assets | 0.1633% | 6,281 |
| Noninterest expense to average assets | 2.7831% | 3,757 |
| Loan and lease loss provision to assets | 0.2246% | 1,640 |
| Net operating income to assets | 0.1654% | 5,993 |
| Return on assets (ROA) | 0.8453% | 3,065 |
| Pretax return on assets | 0.8453% | 3,977 |
| Return on Equity (ROE) | 7.6182% | 3,150 |
| Retained earnings to average equity (ytd only) | 6.9925% | 2,151 |
| Net charge-offs to loans | 0.2103% | 2,158 |
| Credit loss provision to net charge-offs | 234.0426% | 972 |
| Earnings coverage of net charge-offs (x) | 4.0638% | 2,623 |
| Efficiency ratio | 87.7091% | 1,353 |
| Assets per employee ($millions) | 5.8797% | 1,351 |
| Cash dividends to net income (ytd only)* | 8.2126% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3192% | 1,379 |
| Loan loss allowance to noncurrent loans | 93.4945% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 2,813 |
| Noncurrent loans to loans | 2.4806% | 2,081 |
| Net loans and leases to total assets | 46.1699% | 5,422 |
| Net loans and leases to deposits | 54.5944% | 5,388 |
| Net loans and leases to core deposits | 59.7095% | 5,174 |
| Total domestic deposits to total assets | 84.5690% | 4,238 |
| Equity capital to assets | 11.2302% | 2,704 |
| Core capital (leverage) ratio | 10.4436% | 2,851 |
| Tier 1 risk-based capital ratio | 16.0493% | 3,234 |
| Total risk-based capital ratio | 17.2750% | 3,214 |
| Memoranda: | ||
| Average total assets | $195,899,500 | 3,144 |
| Average earning assets | $182,425,000 | 3,109 |
| Average equity | $21,737,500 | 3,058 |
| Average total loans | $89,408,500 | 3,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 5,823 |
| Cost of funding earning assets | 0.5548% | 4,770 |
| Net interest margin | 3.2428% | 5,450 |
| Noninterest income to average assets | 0.1572% | 6,255 |
| Noninterest expense to average assets | 2.7888% | 4,060 |
| Loan and lease loss provision to assets | 0.4170% | 1,534 |
| Net operating income to assets | 0.1406% | 5,908 |
| Return on assets (ROA) | 0.4431% | 5,164 |
| Pretax return on assets | 0.3127% | 5,797 |
| Return on Equity (ROE) | 4.0130% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.6112% | 3,667 |
| Net charge-offs to loans | 0.7259% | 1,621 |
| Credit loss provision to net charge-offs | 134.2513% | 2,082 |
| Earnings coverage of net charge-offs (x) | 1.3752% | 4,766 |
| Efficiency ratio | 86.7188% | 1,352 |
| Assets per employee ($millions) | 6.8196% | 848 |
| Cash dividends to net income (ytd only)* | 10.0121% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3695% | 1,281 |
| Loan loss allowance to noncurrent loans | 90.5660% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 2,934 |
| Noncurrent loans to loans | 2.6164% | 2,023 |
| Net loans and leases to total assets | 43.0009% | 5,900 |
| Net loans and leases to deposits | 50.2158% | 5,938 |
| Net loans and leases to core deposits | 55.2314% | 5,776 |
| Total domestic deposits to total assets | 85.6322% | 3,538 |
| Equity capital to assets | 10.9649% | 2,995 |
| Core capital (leverage) ratio | 10.5054% | 2,760 |
| Tier 1 risk-based capital ratio | 16.9618% | 2,676 |
| Total risk-based capital ratio | 18.2202% | 2,633 |
| Memoranda: | ||
| Average total assets | $187,071,800 | 3,206 |
| Average earning assets | $176,454,600 | 3,141 |
| Average equity | $20,658,000 | 3,123 |
| Average total loans | $80,036,400 | 4,038 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 6,087 |
| Cost of funding earning assets | 0.5618% | 4,983 |
| Net interest margin | 3.2084% | 5,682 |
| Noninterest income to average assets | 0.1800% | 6,226 |
| Noninterest expense to average assets | 2.8192% | 3,919 |
| Loan and lease loss provision to assets | 0.4555% | 1,367 |
| Net operating income to assets | -0.0564% | 6,349 |
| Return on assets (ROA) | 0.3348% | 5,696 |
| Pretax return on assets | 0.3355% | 5,882 |
| Return on Equity (ROE) | 3.0259% | 5,671 |
| Retained earnings to average equity (ytd only) | 2.7971% | 4,871 |
| Net charge-offs to loans | 0.9897% | 1,073 |
| Credit loss provision to net charge-offs | 108.4337% | 2,708 |
| Earnings coverage of net charge-offs (x) | 0.9518% | 4,848 |
| Efficiency ratio | 87.5786% | 1,243 |
| Assets per employee ($millions) | 6.3577% | 1,027 |
| Cash dividends to net income (ytd only)* | 7.5601% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,557 |
| Loan loss allowance to noncurrent loans | 80.8960% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.7611% | 2,969 |
| Noncurrent loans to loans | 2.8212% | 1,996 |
| Net loans and leases to total assets | 42.9671% | 6,042 |
| Net loans and leases to deposits | 49.3188% | 6,163 |
| Net loans and leases to core deposits | 53.4551% | 6,086 |
| Total domestic deposits to total assets | 87.1212% | 2,598 |
| Equity capital to assets | 10.8403% | 3,453 |
| Core capital (leverage) ratio | 10.6252% | 2,775 |
| Tier 1 risk-based capital ratio | 17.6923% | 2,463 |
| Total risk-based capital ratio | 18.9482% | 2,429 |
| Memoranda: | ||
| Average total assets | $184,397,750 | 3,284 |
| Average earning assets | $174,663,000 | 3,202 |
| Average equity | $20,401,250 | 3,186 |
| Average total loans | $78,269,000 | 4,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 6,178 |
| Cost of funding earning assets | 0.5686% | 5,158 |
| Net interest margin | 3.2162% | 5,686 |
| Noninterest income to average assets | 0.1953% | 6,164 |
| Noninterest expense to average assets | 2.8505% | 3,832 |
| Loan and lease loss provision to assets | 0.5047% | 1,251 |
| Net operating income to assets | -0.1075% | 6,446 |
| Return on assets (ROA) | 0.3105% | 5,790 |
| Pretax return on assets | 0.3116% | 5,944 |
| Return on Equity (ROE) | 2.7868% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.7868% | 4,767 |
| Net charge-offs to loans | 1.4528% | 695 |
| Credit loss provision to net charge-offs | 82.8829% | 3,245 |
| Earnings coverage of net charge-offs (x) | 0.6541% | 4,731 |
| Efficiency ratio | 87.7406% | 1,256 |
| Assets per employee ($millions) | 6.2534% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,751 |
| Loan loss allowance to noncurrent loans | 46.6667% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 2.5629% | 2,179 |
| Noncurrent loans to loans | 4.7273% | 1,088 |
| Net loans and leases to total assets | 41.8482% | 6,197 |
| Net loans and leases to deposits | 51.1063% | 6,097 |
| Net loans and leases to core deposits | 54.7544% | 6,042 |
| Total domestic deposits to total assets | 81.8845% | 5,177 |
| Equity capital to assets | 10.8672% | 3,270 |
| Core capital (leverage) ratio | 11.0156% | 2,279 |
| Tier 1 risk-based capital ratio | 18.8929% | 1,994 |
| Total risk-based capital ratio | 20.1489% | 1,972 |
| Memoranda: | ||
| Average total assets | $182,286,330 | 3,320 |
| Average earning assets | $173,059,670 | 3,230 |
| Average equity | $20,309,670 | 3,189 |
| Average total loans | $76,403,330 | 4,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 6,180 |
| Cost of funding earning assets | 0.5917% | 5,199 |
| Net interest margin | 3.2405% | 5,664 |
| Noninterest income to average assets | 0.1781% | 6,314 |
| Noninterest expense to average assets | 2.9639% | 3,411 |
| Loan and lease loss provision to assets | 0.5344% | 1,118 |
| Net operating income to assets | -0.2445% | 6,670 |
| Return on assets (ROA) | 0.2405% | 5,999 |
| Pretax return on assets | 0.2427% | 6,100 |
| Return on Equity (ROE) | 2.1311% | 6,030 |
| Retained earnings to average equity (ytd only) | 2.1311% | 5,198 |
| Net charge-offs to loans | 0.0913% | 3,607 |
| Credit loss provision to net charge-offs | 1,411.7647% | 247 |
| Earnings coverage of net charge-offs (x) | 7.5882% | 2,060 |
| Efficiency ratio | 91.1644% | 1,001 |
| Assets per employee ($millions) | 5.8901% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7459% | 1,062 |
| Loan loss allowance to noncurrent loans | 39.4483% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 3.5443% | 1,615 |
| Noncurrent loans to loans | 6.9608% | 643 |
| Net loans and leases to total assets | 41.8508% | 6,207 |
| Net loans and leases to deposits | 47.7541% | 6,300 |
| Net loans and leases to core deposits | 51.9687% | 6,206 |
| Total domestic deposits to total assets | 87.6381% | 2,566 |
| Equity capital to assets | 11.4887% | 2,452 |
| Core capital (leverage) ratio | 10.6474% | 2,601 |
| Tier 1 risk-based capital ratio | 19.4721% | 1,847 |
| Total risk-based capital ratio | 20.7320% | 1,813 |
| Memoranda: | ||
| Average total assets | $179,628,500 | 3,385 |
| Average earning assets | $170,343,500 | 3,284 |
| Average equity | $20,271,000 | 3,195 |
| Average total loans | $74,465,500 | 4,294 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8656% | 6,654 |
| Cost of funding earning assets | 0.6470% | 5,844 |
| Net interest margin | 3.2186% | 6,035 |
| Noninterest income to average assets | 0.1232% | 6,533 |
| Noninterest expense to average assets | 3.2107% | 2,829 |
| Loan and lease loss provision to assets | 1.6087% | 439 |
| Net operating income to assets | -1.6559% | 6,948 |
| Return on assets (ROA) | -1.5603% | 6,941 |
| Pretax return on assets | -1.5597% | 6,913 |
| Return on Equity (ROE) | -14.8688% | 6,888 |
| Retained earnings to average equity (ytd only) | -14.8688% | 6,866 |
| Net charge-offs to loans | 2.8853% | 350 |
| Credit loss provision to net charge-offs | 129.4524% | 2,370 |
| Earnings coverage of net charge-offs (x) | -0.0375% | 5,852 |
| Efficiency ratio | 101.4726% | 633 |
| Assets per employee ($millions) | 5.5319% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5586% | 1,238 |
| Loan loss allowance to noncurrent loans | 31.2343% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 3.8131% | 1,515 |
| Noncurrent loans to loans | 8.1917% | 486 |
| Net loans and leases to total assets | 38.9071% | 6,605 |
| Net loans and leases to deposits | 46.4441% | 6,602 |
| Net loans and leases to core deposits | 50.9545% | 6,478 |
| Total domestic deposits to total assets | 83.7718% | 4,423 |
| Equity capital to assets | 11.0877% | 2,904 |
| Core capital (leverage) ratio | 11.0542% | 2,228 |
| Tier 1 risk-based capital ratio | 20.4066% | 1,544 |
| Total risk-based capital ratio | 21.6650% | 1,516 |
| Memoranda: | ||
| Average total assets | $163,109,000 | 3,589 |
| Average earning assets | $154,102,800 | 3,507 |
| Average equity | $17,116,400 | 3,560 |
| Average total loans | $70,252,400 | 4,481 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0159% | 6,558 |
| Cost of funding earning assets | 0.6754% | 5,906 |
| Net interest margin | 3.3405% | 5,742 |
| Noninterest income to average assets | 0.1525% | 6,492 |
| Noninterest expense to average assets | 3.2758% | 2,573 |
| Loan and lease loss provision to assets | 1.1155% | 730 |
| Net operating income to assets | -1.0852% | 6,916 |
| Return on assets (ROA) | -1.0717% | 6,942 |
| Pretax return on assets | -1.0709% | 6,900 |
| Return on Equity (ROE) | -10.3822% | 6,899 |
| Retained earnings to average equity (ytd only) | -10.3822% | 6,864 |
| Net charge-offs to loans | 1.9752% | 648 |
| Credit loss provision to net charge-offs | 128.4190% | 2,484 |
| Earnings coverage of net charge-offs (x) | 0.0359% | 5,574 |
| Efficiency ratio | 99.0573% | 693 |
| Assets per employee ($millions) | 4.5288% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2240% | 1,815 |
| Loan loss allowance to noncurrent loans | 21.7119% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 4.9730% | 1,160 |
| Noncurrent loans to loans | 10.2431% | 345 |
| Net loans and leases to total assets | 40.9301% | 6,565 |
| Net loans and leases to deposits | 47.6738% | 6,641 |
| Net loans and leases to core deposits | 51.8923% | 6,573 |
| Total domestic deposits to total assets | 85.8545% | 3,300 |
| Equity capital to assets | 12.9871% | 1,623 |
| Core capital (leverage) ratio | 12.6838% | 1,353 |
| Tier 1 risk-based capital ratio | 22.9699% | 1,152 |
| Total risk-based capital ratio | 24.2245% | 1,130 |
| Memoranda: | ||
| Average total assets | $158,248,000 | 3,684 |
| Average earning assets | $149,434,250 | 3,613 |
| Average equity | $16,335,250 | 3,684 |
| Average total loans | $69,592,750 | 4,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 6,548 |
| Cost of funding earning assets | 0.7021% | 5,947 |
| Net interest margin | 3.3632% | 5,671 |
| Noninterest income to average assets | 0.2823% | 5,629 |
| Noninterest expense to average assets | 3.3582% | 2,375 |
| Loan and lease loss provision to assets | 0.5891% | 1,643 |
| Net operating income to assets | -0.4925% | 6,681 |
| Return on assets (ROA) | -0.4718% | 6,690 |
| Pretax return on assets | -0.4705% | 6,640 |
| Return on Equity (ROE) | -5.0391% | 6,720 |
| Retained earnings to average equity (ytd only) | -5.0391% | 6,572 |
| Net charge-offs to loans | 1.4551% | 1,031 |
| Credit loss provision to net charge-offs | 90.4950% | 3,443 |
| Earnings coverage of net charge-offs (x) | 0.1505% | 5,188 |
| Efficiency ratio | 97.1652% | 826 |
| Assets per employee ($millions) | 4.2320% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7618% | 3,114 |
| Loan loss allowance to noncurrent loans | 17.6940% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 4.8466% | 1,276 |
| Noncurrent loans to loans | 9.9571% | 388 |
| Net loans and leases to total assets | 43.4444% | 6,481 |
| Net loans and leases to deposits | 51.2641% | 6,515 |
| Net loans and leases to core deposits | 55.0216% | 6,490 |
| Total domestic deposits to total assets | 84.7462% | 3,994 |
| Equity capital to assets | 9.6115% | 4,648 |
| Core capital (leverage) ratio | 9.7403% | 3,615 |
| Tier 1 risk-based capital ratio | 16.6961% | 2,652 |
| Total risk-based capital ratio | 17.9479% | 2,609 |
| Memoranda: | ||
| Average total assets | $155,142,000 | 3,764 |
| Average earning assets | $146,409,330 | 3,679 |
| Average equity | $14,526,330 | 4,005 |
| Average total loans | $69,408,670 | 4,597 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 6,706 |
| Cost of funding earning assets | 0.7632% | 5,785 |
| Net interest margin | 3.2332% | 5,974 |
| Noninterest income to average assets | 0.1658% | 6,542 |
| Noninterest expense to average assets | 3.3441% | 2,427 |
| Loan and lease loss provision to assets | 1.0802% | 685 |
| Net operating income to assets | -1.1993% | 7,097 |
| Return on assets (ROA) | -1.2485% | 7,124 |
| Pretax return on assets | -1.2459% | 7,078 |
| Return on Equity (ROE) | -13.5161% | 7,116 |
| Retained earnings to average equity (ytd only) | -13.5161% | 6,995 |
| Net charge-offs to loans | 2.4061% | 491 |
| Credit loss provision to net charge-offs | 99.7608% | 2,741 |
| Earnings coverage of net charge-offs (x) | -0.1077% | 4,645 |
| Efficiency ratio | 103.6116% | 636 |
| Assets per employee ($millions) | 4.2848% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8345% | 2,906 |
| Loan loss allowance to noncurrent loans | 17.3158% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 5.1934% | 1,206 |
| Noncurrent loans to loans | 10.5941% | 357 |
| Net loans and leases to total assets | 43.9540% | 6,473 |
| Net loans and leases to deposits | 48.9347% | 6,694 |
| Net loans and leases to core deposits | 53.5105% | 6,587 |
| Total domestic deposits to total assets | 89.8218% | 1,266 |
| Equity capital to assets | 8.9885% | 5,215 |
| Core capital (leverage) ratio | 9.5282% | 3,761 |
| Tier 1 risk-based capital ratio | 16.9742% | 2,486 |
| Total risk-based capital ratio | 18.2268% | 2,458 |
| Memoranda: | ||
| Average total assets | $154,421,000 | 3,803 |
| Average earning assets | $146,234,500 | 3,712 |
| Average equity | $14,264,500 | 4,061 |
| Average total loans | $69,489,500 | 4,636 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 6,422 |
| Cost of funding earning assets | 0.9706% | 5,836 |
| Net interest margin | 3.5200% | 5,159 |
| Noninterest income to average assets | 0.1312% | 6,738 |
| Noninterest expense to average assets | 3.5436% | 2,063 |
| Loan and lease loss provision to assets | 0.7394% | 2,217 |
| Net operating income to assets | -0.8224% | 6,588 |
| Return on assets (ROA) | -0.2058% | 6,173 |
| Pretax return on assets | -0.2051% | 6,089 |
| Return on Equity (ROE) | -1.9981% | 6,174 |
| Retained earnings to average equity (ytd only) | -2.4351% | 6,039 |
| Net charge-offs to loans | 3.2839% | 467 |
| Credit loss provision to net charge-offs | 47.6388% | 6,297 |
| Earnings coverage of net charge-offs (x) | -0.0530% | 6,176 |
| Efficiency ratio | 102.3779% | 712 |
| Assets per employee ($millions) | 4.4169% | 2,993 |
| Cash dividends to net income (ytd only)* | -21.8750% | 7,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,819 |
| Loan loss allowance to noncurrent loans | 26.9960% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 3.4873% | 1,992 |
| Noncurrent loans to loans | 6.7184% | 866 |
| Net loans and leases to total assets | 44.4039% | 6,681 |
| Net loans and leases to deposits | 49.6442% | 6,872 |
| Net loans and leases to core deposits | 54.3005% | 6,795 |
| Total domestic deposits to total assets | 89.4443% | 1,413 |
| Equity capital to assets | 9.4857% | 4,423 |
| Core capital (leverage) ratio | 9.6393% | 3,500 |
| Tier 1 risk-based capital ratio | 17.8613% | 2,044 |
| Total risk-based capital ratio | 19.1191% | 2,004 |
| Memoranda: | ||
| Average total assets | $155,521,400 | 3,781 |
| Average earning assets | $147,132,400 | 3,684 |
| Average equity | $16,015,600 | 3,760 |
| Average total loans | $73,509,800 | 4,547 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5263% | 6,541 |
| Cost of funding earning assets | 0.9902% | 5,980 |
| Net interest margin | 3.5361% | 5,160 |
| Noninterest income to average assets | 0.1019% | 7,039 |
| Noninterest expense to average assets | 3.3034% | 2,565 |
| Loan and lease loss provision to assets | 0.8732% | 1,740 |
| Net operating income to assets | -0.7310% | 6,749 |
| Return on assets (ROA) | -0.0805% | 6,254 |
| Pretax return on assets | -0.0796% | 6,202 |
| Return on Equity (ROE) | -0.7664% | 6,258 |
| Retained earnings to average equity (ytd only) | -1.3371% | 6,064 |
| Net charge-offs to loans | 3.0175% | 506 |
| Credit loss provision to net charge-offs | 60.5701% | 5,672 |
| Earnings coverage of net charge-offs (x) | 0.0992% | 5,924 |
| Efficiency ratio | 95.8520% | 909 |
| Assets per employee ($millions) | 4.0516% | 3,734 |
| Cash dividends to net income (ytd only)* | -74.4674% | 7,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 1,272 |
| Loan loss allowance to noncurrent loans | 26.1338% | 6,570 |
| Noncurrent assets plus other real estate owned to assets | 4.6401% | 1,442 |
| Noncurrent loans to loans | 9.7486% | 446 |
| Net loans and leases to total assets | 46.3851% | 6,662 |
| Net loans and leases to deposits | 52.6062% | 6,859 |
| Net loans and leases to core deposits | 56.8935% | 6,794 |
| Total domestic deposits to total assets | 88.1743% | 1,867 |
| Equity capital to assets | 10.5072% | 3,508 |
| Core capital (leverage) ratio | 10.0928% | 3,157 |
| Tier 1 risk-based capital ratio | 17.6043% | 2,137 |
| Total risk-based capital ratio | 18.8656% | 2,110 |
| Memoranda: | ||
| Average total assets | $155,754,250 | 3,832 |
| Average earning assets | $147,313,250 | 3,728 |
| Average equity | $16,353,500 | 3,746 |
| Average total loans | $74,409,250 | 4,587 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5446% | 6,606 |
| Cost of funding earning assets | 1.0186% | 6,059 |
| Net interest margin | 3.5259% | 5,133 |
| Noninterest income to average assets | 0.1305% | 6,936 |
| Noninterest expense to average assets | 3.2619% | 2,688 |
| Loan and lease loss provision to assets | 0.2366% | 4,544 |
| Net operating income to assets | -0.0383% | 6,129 |
| Return on assets (ROA) | 0.0934% | 5,996 |
| Pretax return on assets | 0.0947% | 5,989 |
| Return on Equity (ROE) | 0.8896% | 5,984 |
| Retained earnings to average equity (ytd only) | 0.4631% | 5,575 |
| Net charge-offs to loans | 4.0650% | 313 |
| Credit loss provision to net charge-offs | 12.1711% | 5,921 |
| Earnings coverage of net charge-offs (x) | 0.1020% | 5,623 |
| Efficiency ratio | 94.2699% | 1,052 |
| Assets per employee ($millions) | 4.3016% | 3,214 |
| Cash dividends to net income (ytd only)* | 47.9452% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 3,318 |
| Loan loss allowance to noncurrent loans | 20.2916% | 6,925 |
| Noncurrent assets plus other real estate owned to assets | 4.1322% | 1,643 |
| Noncurrent loans to loans | 8.0340% | 649 |
| Net loans and leases to total assets | 46.6420% | 6,733 |
| Net loans and leases to deposits | 54.9798% | 6,795 |
| Net loans and leases to core deposits | 59.5690% | 6,740 |
| Total domestic deposits to total assets | 84.8349% | 3,714 |
| Equity capital to assets | 10.8365% | 3,042 |
| Core capital (leverage) ratio | 10.0228% | 3,140 |
| Tier 1 risk-based capital ratio | 17.9390% | 1,975 |
| Total risk-based capital ratio | 19.1909% | 1,941 |
| Memoranda: | ||
| Average total assets | $156,352,000 | 3,853 |
| Average earning assets | $147,649,000 | 3,749 |
| Average equity | $16,412,330 | 3,735 |
| Average total loans | $74,785,000 | 4,612 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 6,670 |
| Cost of funding earning assets | 1.0298% | 6,229 |
| Net interest margin | 3.5236% | 5,069 |
| Noninterest income to average assets | 0.0789% | 7,307 |
| Noninterest expense to average assets | 3.1623% | 3,005 |
| Loan and lease loss provision to assets | 0.2317% | 4,188 |
| Net operating income to assets | 0.0102% | 6,261 |
| Return on assets (ROA) | 0.0102% | 6,370 |
| Pretax return on assets | 0.0127% | 6,324 |
| Return on Equity (ROE) | 0.0986% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.7641% | 6,007 |
| Net charge-offs to loans | 7.3465% | 116 |
| Credit loss provision to net charge-offs | 6.5657% | 5,085 |
| Earnings coverage of net charge-offs (x) | 0.0693% | 4,976 |
| Efficiency ratio | 92.8251% | 1,218 |
| Assets per employee ($millions) | 4.5749% | 2,847 |
| Cash dividends to net income (ytd only)* | 875.0000% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 3,095 |
| Loan loss allowance to noncurrent loans | 17.3425% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 4.7633% | 1,383 |
| Noncurrent loans to loans | 9.7557% | 441 |
| Net loans and leases to total assets | 44.8530% | 6,915 |
| Net loans and leases to deposits | 51.1222% | 7,074 |
| Net loans and leases to core deposits | 57.7881% | 6,894 |
| Total domestic deposits to total assets | 87.7368% | 2,221 |
| Equity capital to assets | 10.2497% | 3,535 |
| Core capital (leverage) ratio | 9.9448% | 3,233 |
| Tier 1 risk-based capital ratio | 18.5513% | 1,824 |
| Total risk-based capital ratio | 19.8041% | 1,786 |
| Memoranda: | ||
| Average total assets | $157,100,000 | 3,892 |
| Average earning assets | $148,373,000 | 3,788 |
| Average equity | $16,228,000 | 3,793 |
| Average total loans | $75,465,000 | 4,654 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2045% | 5,629 |
| Cost of funding earning assets | 1.2294% | 6,551 |
| Net interest margin | 3.9751% | 2,968 |
| Noninterest income to average assets | 0.3052% | 5,906 |
| Noninterest expense to average assets | 3.6522% | 2,024 |
| Loan and lease loss provision to assets | 1.7925% | 1,267 |
| Net operating income to assets | -1.3891% | 6,808 |
| Return on assets (ROA) | -1.0111% | 6,584 |
| Pretax return on assets | -1.0104% | 6,415 |
| Return on Equity (ROE) | -8.4760% | 6,507 |
| Retained earnings to average equity (ytd only) | -8.8906% | 6,419 |
| Net charge-offs to loans | 1.6836% | 1,501 |
| Credit loss provision to net charge-offs | 183.5745% | 2,235 |
| Earnings coverage of net charge-offs (x) | 0.4139% | 5,696 |
| Efficiency ratio | 90.0366% | 1,707 |
| Assets per employee ($millions) | 4.4023% | 3,105 |
| Cash dividends to net income (ytd only)* | -4.8917% | 7,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2514% | 633 |
| Loan loss allowance to noncurrent loans | 24.8845% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 6.9283% | 732 |
| Noncurrent loans to loans | 13.0658% | 240 |
| Net loans and leases to total assets | 48.8989% | 6,739 |
| Net loans and leases to deposits | 57.5995% | 6,811 |
| Net loans and leases to core deposits | 77.6468% | 6,282 |
| Total domestic deposits to total assets | 84.8948% | 3,600 |
| Equity capital to assets | 10.4128% | 3,269 |
| Core capital (leverage) ratio | 9.9398% | 3,150 |
| Tier 1 risk-based capital ratio | 17.5839% | 2,001 |
| Total risk-based capital ratio | 18.8538% | 1,956 |
| Memoranda: | ||
| Average total assets | $141,532,600 | 4,088 |
| Average earning assets | $133,557,400 | 4,019 |
| Average equity | $16,883,000 | 3,694 |
| Average total loans | $82,087,000 | 4,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 5,364 |
| Cost of funding earning assets | 1.2530% | 6,707 |
| Net interest margin | 4.0589% | 2,552 |
| Noninterest income to average assets | 0.3854% | 5,430 |
| Noninterest expense to average assets | 3.7669% | 1,665 |
| Loan and lease loss provision to assets | 1.0337% | 1,854 |
| Net operating income to assets | -0.5838% | 6,513 |
| Return on assets (ROA) | -0.2187% | 6,106 |
| Pretax return on assets | -0.2177% | 6,006 |
| Return on Equity (ROE) | -1.7707% | 6,062 |
| Retained earnings to average equity (ytd only) | -2.3167% | 5,781 |
| Net charge-offs to loans | 0.8163% | 2,332 |
| Credit loss provision to net charge-offs | 210.8055% | 2,083 |
| Earnings coverage of net charge-offs (x) | 0.9194% | 5,136 |
| Efficiency ratio | 89.3102% | 1,752 |
| Assets per employee ($millions) | 4.7728% | 2,441 |
| Cash dividends to net income (ytd only)* | -30.8366% | 7,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 1,112 |
| Loan loss allowance to noncurrent loans | 61.9732% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 2.3781% | 2,896 |
| Noncurrent loans to loans | 3.9505% | 1,861 |
| Net loans and leases to total assets | 50.6384% | 6,725 |
| Net loans and leases to deposits | 65.0802% | 6,392 |
| Net loans and leases to core deposits | 94.0395% | 5,012 |
| Total domestic deposits to total assets | 77.8092% | 6,141 |
| Equity capital to assets | 11.5033% | 2,581 |
| Core capital (leverage) ratio | 11.8323% | 1,879 |
| Tier 1 risk-based capital ratio | 18.2415% | 1,924 |
| Total risk-based capital ratio | 19.5030% | 1,866 |
| Memoranda: | ||
| Average total assets | $138,396,000 | 4,173 |
| Average earning assets | $130,674,000 | 4,091 |
| Average equity | $17,092,750 | 3,683 |
| Average total loans | $83,140,000 | 4,444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 5,105 |
| Cost of funding earning assets | 1.3224% | 6,728 |
| Net interest margin | 4.0863% | 2,370 |
| Noninterest income to average assets | 0.7260% | 2,836 |
| Noninterest expense to average assets | 4.0369% | 1,266 |
| Loan and lease loss provision to assets | 0.6855% | 2,373 |
| Net operating income to assets | -0.1497% | 6,104 |
| Return on assets (ROA) | 0.4056% | 4,602 |
| Pretax return on assets | 0.4071% | 4,911 |
| Return on Equity (ROE) | 3.2007% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.7873% | 3,774 |
| Net charge-offs to loans | 0.0213% | 6,205 |
| Credit loss provision to net charge-offs | 5,088.8889% | 96 |
| Earnings coverage of net charge-offs (x) | 39.8889% | 809 |
| Efficiency ratio | 88.2526% | 1,986 |
| Assets per employee ($millions) | 4.0080% | 3,656 |
| Cash dividends to net income (ytd only)* | 12.9151% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1551% | 1,306 |
| Loan loss allowance to noncurrent loans | 608.6667% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,868 |
| Noncurrent loans to loans | 0.3541% | 6,625 |
| Net loans and leases to total assets | 59.0994% | 5,824 |
| Net loans and leases to deposits | 73.8125% | 5,480 |
| Net loans and leases to core deposits | 104.0592% | 4,055 |
| Total domestic deposits to total assets | 80.0669% | 5,451 |
| Equity capital to assets | 12.6163% | 1,868 |
| Core capital (leverage) ratio | 12.8937% | 1,467 |
| Tier 1 risk-based capital ratio | 18.0635% | 2,003 |
| Total risk-based capital ratio | 19.3226% | 1,938 |
| Memoranda: | ||
| Average total assets | $133,618,000 | 4,316 |
| Average earning assets | $125,835,670 | 4,229 |
| Average equity | $16,934,000 | 3,723 |
| Average total loans | $84,426,330 | 4,447 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5016% | 4,904 |
| Cost of funding earning assets | 1.4951% | 6,417 |
| Net interest margin | 4.0065% | 2,617 |
| Noninterest income to average assets | 1.5197% | 609 |
| Noninterest expense to average assets | 4.1355% | 1,019 |
| Loan and lease loss provision to assets | 0.1627% | 4,854 |
| Net operating income to assets | 0.9947% | 2,331 |
| Return on assets (ROA) | 0.9947% | 2,467 |
| Pretax return on assets | 0.9978% | 3,354 |
| Return on Equity (ROE) | 7.8299% | 3,229 |
| Retained earnings to average equity (ytd only) | 7.8299% | 1,881 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0870% | 3,152 |
| Assets per employee ($millions) | 3.9029% | 3,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 2,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4567% | 6,122 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 63.5375% | 5,065 |
| Net loans and leases to deposits | 78.7302% | 4,809 |
| Net loans and leases to core deposits | 109.7540% | 3,467 |
| Total domestic deposits to total assets | 80.7028% | 5,088 |
| Equity capital to assets | 13.6076% | 1,491 |
| Core capital (leverage) ratio | 13.2058% | 1,415 |
| Tier 1 risk-based capital ratio | 17.8614% | 2,093 |
| Total risk-based capital ratio | 19.1148% | 2,035 |
| Memoranda: | ||
| Average total assets | $130,287,500 | 4,401 |
| Average earning assets | $122,800,500 | 4,310 |
| Average equity | $16,552,000 | 3,829 |
| Average total loans | $84,274,500 | 4,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3522% | 3,682 |
| Cost of funding earning assets | 2.1452% | 5,854 |
| Net interest margin | 4.2069% | 2,288 |
| Noninterest income to average assets | 0.1665% | 7,231 |
| Noninterest expense to average assets | 4.4071% | 950 |
| Loan and lease loss provision to assets | 0.9202% | 1,618 |
| Net operating income to assets | -1.1806% | 7,333 |
| Return on assets (ROA) | -1.1806% | 7,273 |
| Pretax return on assets | -1.1795% | 7,107 |
| Return on Equity (ROE) | -7.4474% | 7,086 |
| Retained earnings to average equity (ytd only) | -7.4474% | 6,827 |
| Net charge-offs to loans | 0.4782% | 2,442 |
| Credit loss provision to net charge-offs | 241.8283% | 1,935 |
| Earnings coverage of net charge-offs (x) | -0.6814% | 6,534 |
| Efficiency ratio | 106.2516% | 804 |
| Assets per employee ($millions) | 3.7611% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 2,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 5,888 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.6768% | 5,345 |
| Net loans and leases to deposits | 78.7398% | 5,235 |
| Net loans and leases to core deposits | 109.6570% | 3,805 |
| Total domestic deposits to total assets | 80.8699% | 4,699 |
| Equity capital to assets | 11.7668% | 2,458 |
| Core capital (leverage) ratio | 11.8483% | 2,058 |
| Tier 1 risk-based capital ratio | 15.4076% | 2,873 |
| Total risk-based capital ratio | 16.6604% | 2,810 |
| Memoranda: | ||
| Average total assets | $94,870,400 | 5,203 |
| Average earning assets | $89,780,400 | 5,089 |
| Average equity | $15,038,800 | 4,136 |
| Average total loans | $75,487,600 | 4,668 |