Home > Community First Bank > Performance and Condition Ratios
Community First Bank, Performance and Condition Ratios
| 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 | 4.4473% | 1,660 |
| Cost of funding earning assets | 0.7148% | 752 |
| Net interest margin | 3.7325% | 2,546 |
| Noninterest income to average assets | 0.6499% | 2,267 |
| Noninterest expense to average assets | 5.5001% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.2026% | 6,043 |
| Return on assets (ROA) | -1.1761% | 6,044 |
| Pretax return on assets | -1.1761% | 6,032 |
| Return on Equity (ROE) | -12.8309% | 6,042 |
| Retained earnings to average equity (ytd only) | -12.8309% | 5,873 |
| Net charge-offs to loans | 0.0049% | 2,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -272.0000% | 3,092 |
| Efficiency ratio | 127.9835% | 77 |
| Assets per employee ($millions) | 3.9799% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 2,138 |
| Loan loss allowance to noncurrent loans | 32.0415% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 4.1847% | 228 |
| Noncurrent loans to loans | 4.5724% | 232 |
| Net loans and leases to total assets | 90.1801% | 59 |
| Net loans and leases to deposits | 99.8558% | 631 |
| Net loans and leases to core deposits | 112.3012% | 739 |
| Total domestic deposits to total assets | 90.3103% | 493 |
| Equity capital to assets | 9.3550% | 4,833 |
| Core capital (leverage) ratio | 9.1391% | 4,678 |
| Tier 1 risk-based capital ratio | 10.9141% | 5,543 |
| Total risk-based capital ratio | 12.1682% | 5,453 |
| Memoranda: | ||
| Average total assets | $90,470,500 | 4,650 |
| Average earning assets | $88,412,500 | 4,540 |
| Average equity | $8,292,500 | 4,998 |
| Average total loans | $81,160,000 | 3,829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,108 |
| Cost of funding earning assets | 0.6662% | 983 |
| Net interest margin | 3.6682% | 2,872 |
| Noninterest income to average assets | 0.5576% | 2,974 |
| Noninterest expense to average assets | 4.3050% | 486 |
| Loan and lease loss provision to assets | 0.3964% | 348 |
| Net operating income to assets | -0.5483% | 6,053 |
| Return on assets (ROA) | -0.5483% | 6,056 |
| Pretax return on assets | -0.5462% | 6,050 |
| Return on Equity (ROE) | -6.0464% | 6,064 |
| Retained earnings to average equity (ytd only) | -6.0464% | 5,958 |
| Net charge-offs to loans | 0.1619% | 1,751 |
| Credit loss provision to net charge-offs | 284.3284% | 1,028 |
| Earnings coverage of net charge-offs (x) | -1.0746% | 4,332 |
| Efficiency ratio | 103.6054% | 221 |
| Assets per employee ($millions) | 3.8910% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 2,300 |
| Loan loss allowance to noncurrent loans | 28.4124% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 4.4247% | 221 |
| Noncurrent loans to loans | 5.0276% | 187 |
| Net loans and leases to total assets | 86.7525% | 182 |
| Net loans and leases to deposits | 95.6470% | 1,053 |
| Net loans and leases to core deposits | 108.4279% | 950 |
| Total domestic deposits to total assets | 90.7008% | 378 |
| Equity capital to assets | 8.9887% | 5,134 |
| Core capital (leverage) ratio | 8.8284% | 5,078 |
| Tier 1 risk-based capital ratio | 10.4301% | 5,807 |
| Total risk-based capital ratio | 11.6823% | 5,729 |
| Memoranda: | ||
| Average total assets | $96,120,200 | 4,534 |
| Average earning assets | $94,268,600 | 4,428 |
| Average equity | $8,716,000 | 4,910 |
| Average total loans | $82,763,000 | 3,751 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,162 |
| Cost of funding earning assets | 0.6587% | 1,046 |
| Net interest margin | 3.6640% | 2,913 |
| Noninterest income to average assets | 0.8264% | 1,700 |
| Noninterest expense to average assets | 4.3647% | 452 |
| Loan and lease loss provision to assets | 0.5151% | 198 |
| Net operating income to assets | -0.4628% | 6,131 |
| Return on assets (ROA) | -0.4628% | 6,136 |
| Pretax return on assets | -0.4600% | 6,128 |
| Return on Equity (ROE) | -5.0928% | 6,139 |
| Retained earnings to average equity (ytd only) | -5.0928% | 6,025 |
| Net charge-offs to loans | 0.2139% | 1,219 |
| Credit loss provision to net charge-offs | 281.2030% | 1,027 |
| Earnings coverage of net charge-offs (x) | 0.3007% | 3,967 |
| Efficiency ratio | 98.7535% | 327 |
| Assets per employee ($millions) | 3.8798% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 2,637 |
| Loan loss allowance to noncurrent loans | 39.6335% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.0383% | 493 |
| Noncurrent loans to loans | 3.5121% | 444 |
| Net loans and leases to total assets | 85.3073% | 269 |
| Net loans and leases to deposits | 94.0058% | 1,202 |
| Net loans and leases to core deposits | 106.0087% | 1,098 |
| Total domestic deposits to total assets | 90.7469% | 327 |
| Equity capital to assets | 8.8789% | 5,418 |
| Core capital (leverage) ratio | 9.0486% | 4,939 |
| Tier 1 risk-based capital ratio | 10.0597% | 6,025 |
| Total risk-based capital ratio | 11.3120% | 5,973 |
| Memoranda: | ||
| Average total assets | $96,804,250 | 4,571 |
| Average earning assets | $94,938,750 | 4,458 |
| Average equity | $8,796,500 | 4,953 |
| Average total loans | $82,907,000 | 3,781 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3017% | 2,161 |
| Cost of funding earning assets | 0.6540% | 1,076 |
| Net interest margin | 3.6477% | 2,912 |
| Noninterest income to average assets | 1.0895% | 1,013 |
| Noninterest expense to average assets | 4.3932% | 458 |
| Loan and lease loss provision to assets | 0.4093% | 274 |
| Net operating income to assets | -0.1426% | 6,072 |
| Return on assets (ROA) | -0.1426% | 6,101 |
| Pretax return on assets | -0.1385% | 6,084 |
| Return on Equity (ROE) | -1.5579% | 6,107 |
| Retained earnings to average equity (ytd only) | -1.5579% | 5,777 |
| Net charge-offs to loans | 0.0073% | 3,645 |
| Credit loss provision to net charge-offs | 6,600.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 1,060 |
| Efficiency ratio | 94.1933% | 509 |
| Assets per employee ($millions) | 4.1035% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,099 |
| Loan loss allowance to noncurrent loans | 34.1761% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 3.3335% | 448 |
| Noncurrent loans to loans | 3.8825% | 409 |
| Net loans and leases to total assets | 84.7205% | 320 |
| Net loans and leases to deposits | 93.4837% | 1,202 |
| Net loans and leases to core deposits | 108.2950% | 934 |
| Total domestic deposits to total assets | 90.6260% | 408 |
| Equity capital to assets | 8.9445% | 5,286 |
| Core capital (leverage) ratio | 9.0446% | 4,896 |
| Tier 1 risk-based capital ratio | 10.4192% | 5,951 |
| Total risk-based capital ratio | 11.6684% | 5,894 |
| Memoranda: | ||
| Average total assets | $96,741,000 | 4,618 |
| Average earning assets | $94,798,670 | 4,501 |
| Average equity | $8,858,000 | 4,972 |
| Average total loans | $82,572,330 | 3,809 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3212% | 2,026 |
| Cost of funding earning assets | 0.6331% | 1,213 |
| Net interest margin | 3.6881% | 2,664 |
| Noninterest income to average assets | 1.1057% | 927 |
| Noninterest expense to average assets | 4.4686% | 439 |
| Loan and lease loss provision to assets | 0.1335% | 1,549 |
| Net operating income to assets | 0.1252% | 5,836 |
| Return on assets (ROA) | 0.1252% | 5,898 |
| Pretax return on assets | 0.1252% | 5,923 |
| Return on Equity (ROE) | 1.3510% | 5,842 |
| Retained earnings to average equity (ytd only) | 1.3510% | 4,945 |
| Net charge-offs to loans | 0.0147% | 2,871 |
| Credit loss provision to net charge-offs | 1,066.6667% | 322 |
| Earnings coverage of net charge-offs (x) | 20.6667% | 1,406 |
| Efficiency ratio | 94.5278% | 571 |
| Assets per employee ($millions) | 4.1455% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 4,067 |
| Loan loss allowance to noncurrent loans | 37.8464% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 2.5389% | 843 |
| Noncurrent loans to loans | 3.1264% | 669 |
| Net loans and leases to total assets | 80.2487% | 662 |
| Net loans and leases to deposits | 88.5892% | 1,549 |
| Net loans and leases to core deposits | 101.6345% | 1,208 |
| Total domestic deposits to total assets | 90.5852% | 497 |
| Equity capital to assets | 8.9957% | 5,296 |
| Core capital (leverage) ratio | 9.4650% | 4,329 |
| Tier 1 risk-based capital ratio | 11.0796% | 5,767 |
| Total risk-based capital ratio | 12.2690% | 5,734 |
| Memoranda: | ||
| Average total assets | $95,869,000 | 4,669 |
| Average earning assets | $94,141,000 | 4,544 |
| Average equity | $8,882,500 | 5,014 |
| Average total loans | $81,579,000 | 3,843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 2,102 |
| Cost of funding earning assets | 0.5697% | 2,049 |
| Net interest margin | 3.8712% | 2,356 |
| Noninterest income to average assets | 0.7683% | 1,999 |
| Noninterest expense to average assets | 4.1889% | 608 |
| Loan and lease loss provision to assets | 0.1853% | 1,388 |
| Net operating income to assets | 0.1554% | 5,863 |
| Return on assets (ROA) | 0.1943% | 5,827 |
| Pretax return on assets | 0.1966% | 5,874 |
| Return on Equity (ROE) | 2.0196% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.0196% | 4,776 |
| Net charge-offs to loans | 0.0668% | 3,528 |
| Credit loss provision to net charge-offs | 330.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 6.1000% | 3,274 |
| Efficiency ratio | 92.4393% | 679 |
| Assets per employee ($millions) | 4.1930% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,414 |
| Loan loss allowance to noncurrent loans | 39.5478% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 2.5410% | 897 |
| Noncurrent loans to loans | 2.8460% | 813 |
| Net loans and leases to total assets | 88.2792% | 107 |
| Net loans and leases to deposits | 97.9186% | 767 |
| Net loans and leases to core deposits | 114.0820% | 602 |
| Total domestic deposits to total assets | 90.1557% | 668 |
| Equity capital to assets | 9.5560% | 4,647 |
| Core capital (leverage) ratio | 9.3966% | 4,394 |
| Tier 1 risk-based capital ratio | 10.9045% | 5,945 |
| Total risk-based capital ratio | 12.0483% | 5,927 |
| Memoranda: | ||
| Average total assets | $89,022,000 | 4,860 |
| Average earning assets | $86,536,800 | 4,730 |
| Average equity | $8,566,200 | 5,069 |
| Average total loans | $74,884,200 | 4,026 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,346 |
| Cost of funding earning assets | 0.5533% | 2,255 |
| Net interest margin | 3.8170% | 2,552 |
| Noninterest income to average assets | 0.6741% | 2,459 |
| Noninterest expense to average assets | 4.0642% | 710 |
| Loan and lease loss provision to assets | 0.1330% | 1,881 |
| Net operating income to assets | 0.1757% | 5,892 |
| Return on assets (ROA) | 0.1950% | 5,909 |
| Pretax return on assets | 0.1980% | 5,951 |
| Return on Equity (ROE) | 2.0226% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.0226% | 5,041 |
| Net charge-offs to loans | 0.0091% | 4,409 |
| Credit loss provision to net charge-offs | 1,760.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 41.1784% | 1,106 |
| Efficiency ratio | 92.8843% | 653 |
| Assets per employee ($millions) | 4.1996% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 4,668 |
| Loan loss allowance to noncurrent loans | 42.2568% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 1,188 |
| Noncurrent loans to loans | 2.6447% | 1,086 |
| Net loans and leases to total assets | 85.7107% | 209 |
| Net loans and leases to deposits | 95.0751% | 953 |
| Net loans and leases to core deposits | 111.4788% | 684 |
| Total domestic deposits to total assets | 90.1506% | 663 |
| Equity capital to assets | 9.4381% | 4,878 |
| Core capital (leverage) ratio | 9.6514% | 4,150 |
| Tier 1 risk-based capital ratio | 10.7275% | 6,118 |
| Total risk-based capital ratio | 11.8241% | 6,128 |
| Memoranda: | ||
| Average total assets | $88,216,000 | 4,937 |
| Average earning assets | $85,544,750 | 4,799 |
| Average equity | $8,504,000 | 5,130 |
| Average total loans | $73,015,000 | 4,117 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,428 |
| Cost of funding earning assets | 0.5339% | 2,503 |
| Net interest margin | 3.8062% | 2,551 |
| Noninterest income to average assets | 0.6795% | 2,381 |
| Noninterest expense to average assets | 4.1809% | 615 |
| Loan and lease loss provision to assets | 0.1037% | 2,292 |
| Net operating income to assets | 0.0737% | 6,093 |
| Return on assets (ROA) | 0.1037% | 6,075 |
| Pretax return on assets | 0.1037% | 6,093 |
| Return on Equity (ROE) | 1.0674% | 6,043 |
| Retained earnings to average equity (ytd only) | 1.0674% | 5,332 |
| Net charge-offs to loans | 0.0142% | 3,953 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 15.4000% | 1,850 |
| Efficiency ratio | 95.9302% | 557 |
| Assets per employee ($millions) | 4.3961% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 4,604 |
| Loan loss allowance to noncurrent loans | 44.6073% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 2.1724% | 1,411 |
| Noncurrent loans to loans | 2.6056% | 1,176 |
| Net loans and leases to total assets | 82.4047% | 430 |
| Net loans and leases to deposits | 91.8438% | 1,167 |
| Net loans and leases to core deposits | 105.4446% | 932 |
| Total domestic deposits to total assets | 89.7226% | 953 |
| Equity capital to assets | 9.7599% | 4,420 |
| Core capital (leverage) ratio | 9.8385% | 3,830 |
| Tier 1 risk-based capital ratio | 11.3971% | 5,855 |
| Total risk-based capital ratio | 12.5221% | 5,864 |
| Memoranda: | ||
| Average total assets | $86,824,330 | 5,005 |
| Average earning assets | $83,916,000 | 4,869 |
| Average equity | $8,432,000 | 5,171 |
| Average total loans | $70,658,670 | 4,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,041 |
| Cost of funding earning assets | 0.5291% | 2,617 |
| Net interest margin | 3.8960% | 2,101 |
| Noninterest income to average assets | 0.8670% | 1,496 |
| Noninterest expense to average assets | 4.3442% | 531 |
| Loan and lease loss provision to assets | 0.1855% | 1,286 |
| Net operating income to assets | 0.0927% | 6,047 |
| Return on assets (ROA) | 0.0927% | 6,075 |
| Pretax return on assets | 0.0927% | 6,094 |
| Return on Equity (ROE) | 0.9572% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.9572% | 5,214 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9819% | 752 |
| Assets per employee ($millions) | 4.8223% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 4,544 |
| Loan loss allowance to noncurrent loans | 179.7468% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 4,510 |
| Noncurrent loans to loans | 0.6790% | 4,168 |
| Net loans and leases to total assets | 79.4403% | 611 |
| Net loans and leases to deposits | 88.9995% | 1,255 |
| Net loans and leases to core deposits | 102.8274% | 935 |
| Total domestic deposits to total assets | 89.2593% | 1,500 |
| Equity capital to assets | 9.7280% | 4,195 |
| Core capital (leverage) ratio | 10.0776% | 3,458 |
| Tier 1 risk-based capital ratio | 11.8487% | 5,727 |
| Total risk-based capital ratio | 13.0268% | 5,710 |
| Memoranda: | ||
| Average total assets | $86,276,000 | 5,061 |
| Average earning assets | $83,161,500 | 4,939 |
| Average equity | $8,357,500 | 5,207 |
| Average total loans | $69,336,500 | 4,289 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 2,900 |
| Cost of funding earning assets | 0.5727% | 2,899 |
| Net interest margin | 3.7421% | 2,890 |
| Noninterest income to average assets | 0.7482% | 2,299 |
| Noninterest expense to average assets | 3.9437% | 930 |
| Loan and lease loss provision to assets | 0.2392% | 1,515 |
| Net operating income to assets | 0.1100% | 6,022 |
| Return on assets (ROA) | 0.1318% | 6,038 |
| Pretax return on assets | 0.2282% | 5,891 |
| Return on Equity (ROE) | 1.3015% | 6,025 |
| Retained earnings to average equity (ytd only) | 1.3015% | 5,245 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1004% | 1,016 |
| Assets per employee ($millions) | 4.2876% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,761 |
| Loan loss allowance to noncurrent loans | 649.6000% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1458% | 5,883 |
| Noncurrent loans to loans | 0.1815% | 5,659 |
| Net loans and leases to total assets | 79.3623% | 664 |
| Net loans and leases to deposits | 90.6408% | 1,183 |
| Net loans and leases to core deposits | 106.6928% | 760 |
| Total domestic deposits to total assets | 87.5570% | 2,447 |
| Equity capital to assets | 9.6454% | 4,225 |
| Core capital (leverage) ratio | 9.8753% | 3,734 |
| Tier 1 risk-based capital ratio | 11.6222% | 5,842 |
| Total risk-based capital ratio | 12.7314% | 5,856 |
| Memoranda: | ||
| Average total assets | $81,927,800 | 5,191 |
| Average earning assets | $79,447,000 | 5,052 |
| Average equity | $8,298,200 | 5,264 |
| Average total loans | $62,259,200 | 4,536 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 3,100 |
| Cost of funding earning assets | 0.5796% | 2,998 |
| Net interest margin | 3.6932% | 3,054 |
| Noninterest income to average assets | 0.7953% | 2,175 |
| Noninterest expense to average assets | 3.9519% | 903 |
| Loan and lease loss provision to assets | 0.1910% | 1,917 |
| Net operating income to assets | 0.2277% | 5,845 |
| Return on assets (ROA) | 0.2733% | 5,802 |
| Pretax return on assets | 0.2766% | 5,922 |
| Return on Equity (ROE) | 2.6650% | 5,726 |
| Retained earnings to average equity (ytd only) | 2.6650% | 4,724 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3614% | 961 |
| Assets per employee ($millions) | 4.5256% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 5,350 |
| Loan loss allowance to noncurrent loans | 66.4850% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2804% | 3,084 |
| Noncurrent loans to loans | 1.6458% | 2,711 |
| Net loans and leases to total assets | 76.9465% | 880 |
| Net loans and leases to deposits | 85.8203% | 1,635 |
| Net loans and leases to core deposits | 99.5411% | 1,153 |
| Total domestic deposits to total assets | 89.6601% | 1,188 |
| Equity capital to assets | 9.5759% | 4,452 |
| Core capital (leverage) ratio | 9.9103% | 3,800 |
| Tier 1 risk-based capital ratio | 11.9597% | 5,799 |
| Total risk-based capital ratio | 12.9896% | 5,886 |
| Memoranda: | ||
| Average total assets | $80,972,000 | 5,260 |
| Average earning assets | $78,447,750 | 5,121 |
| Average equity | $8,305,000 | 5,316 |
| Average total loans | $60,607,500 | 4,638 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 3,092 |
| Cost of funding earning assets | 0.5860% | 3,071 |
| Net interest margin | 3.6802% | 3,034 |
| Noninterest income to average assets | 0.4792% | 3,966 |
| Noninterest expense to average assets | 3.9067% | 972 |
| Loan and lease loss provision to assets | 0.0631% | 3,750 |
| Net operating income to assets | 0.0720% | 6,197 |
| Return on assets (ROA) | 0.1412% | 6,147 |
| Pretax return on assets | 0.1438% | 6,168 |
| Return on Equity (ROE) | 1.3448% | 6,135 |
| Retained earnings to average equity (ytd only) | 1.3448% | 5,351 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6313% | 633 |
| Assets per employee ($millions) | 4.4940% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 5,567 |
| Loan loss allowance to noncurrent loans | 290.0452% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 5,709 |
| Noncurrent loans to loans | 0.3668% | 5,360 |
| Net loans and leases to total assets | 69.8194% | 1,917 |
| Net loans and leases to deposits | 77.6402% | 2,614 |
| Net loans and leases to core deposits | 90.2316% | 1,892 |
| Total domestic deposits to total assets | 89.9269% | 1,067 |
| Equity capital to assets | 9.6070% | 4,444 |
| Core capital (leverage) ratio | 10.3838% | 3,006 |
| Tier 1 risk-based capital ratio | 12.7567% | 5,321 |
| Total risk-based capital ratio | 13.7361% | 5,452 |
| Memoranda: | ||
| Average total assets | $79,300,330 | 5,340 |
| Average earning assets | $76,788,330 | 5,203 |
| Average equity | $8,328,670 | 5,356 |
| Average total loans | $58,511,330 | 4,725 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 2,681 |
| Cost of funding earning assets | 0.5985% | 3,124 |
| Net interest margin | 3.7541% | 2,645 |
| Noninterest income to average assets | 0.6557% | 2,847 |
| Noninterest expense to average assets | 3.9340% | 957 |
| Loan and lease loss provision to assets | 0.1311% | 2,604 |
| Net operating income to assets | 0.2098% | 5,855 |
| Return on assets (ROA) | 0.2098% | 5,973 |
| Pretax return on assets | 0.2098% | 6,055 |
| Return on Equity (ROE) | 1.9067% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.9067% | 5,043 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0245% | 979 |
| Assets per employee ($millions) | 4.2244% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1128% | 5,554 |
| Loan loss allowance to noncurrent loans | 616.3462% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 6,164 |
| Noncurrent loans to loans | 0.1806% | 5,949 |
| Net loans and leases to total assets | 74.9089% | 973 |
| Net loans and leases to deposits | 84.6360% | 1,514 |
| Net loans and leases to core deposits | 98.4990% | 1,044 |
| Total domestic deposits to total assets | 88.5072% | 2,005 |
| Equity capital to assets | 11.0785% | 2,871 |
| Core capital (leverage) ratio | 10.9214% | 2,330 |
| Tier 1 risk-based capital ratio | 13.2411% | 5,046 |
| Total risk-based capital ratio | 14.2627% | 5,155 |
| Memoranda: | ||
| Average total assets | $76,257,500 | 5,456 |
| Average earning assets | $73,520,000 | 5,335 |
| Average equity | $8,391,500 | 5,388 |
| Average total loans | $57,638,500 | 4,789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 2,508 |
| Cost of funding earning assets | 0.6626% | 3,804 |
| Net interest margin | 4.0599% | 2,150 |
| Noninterest income to average assets | 0.9953% | 1,549 |
| Noninterest expense to average assets | 4.5371% | 556 |
| Loan and lease loss provision to assets | 0.2370% | 2,765 |
| Net operating income to assets | 0.2097% | 5,757 |
| Return on assets (ROA) | 0.2370% | 5,870 |
| Pretax return on assets | 0.1293% | 6,105 |
| Return on Equity (ROE) | 2.0365% | 5,889 |
| Retained earnings to average equity (ytd only) | 2.0365% | 4,795 |
| Net charge-offs to loans | 0.0278% | 5,512 |
| Credit loss provision to net charge-offs | 1,100.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 15.7333% | 1,635 |
| Efficiency ratio | 93.0486% | 860 |
| Assets per employee ($millions) | 4.2487% | 3,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 5,685 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8303% | 4,394 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.6116% | 1,113 |
| Net loans and leases to deposits | 84.2537% | 1,725 |
| Net loans and leases to core deposits | 97.9975% | 1,149 |
| Total domestic deposits to total assets | 88.5559% | 1,869 |
| Equity capital to assets | 10.9302% | 3,036 |
| Core capital (leverage) ratio | 11.0935% | 2,171 |
| Tier 1 risk-based capital ratio | 12.9666% | 5,133 |
| Total risk-based capital ratio | 13.9356% | 5,277 |
| Memoranda: | ||
| Average total assets | $69,625,400 | 5,639 |
| Average earning assets | $66,553,400 | 5,536 |
| Average equity | $8,102,200 | 5,470 |
| Average total loans | $53,962,000 | 4,942 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7615% | 2,534 |
| Cost of funding earning assets | 0.6726% | 3,997 |
| Net interest margin | 4.0889% | 2,131 |
| Noninterest income to average assets | 0.6282% | 3,117 |
| Noninterest expense to average assets | 4.4664% | 560 |
| Loan and lease loss provision to assets | 0.1865% | 3,254 |
| Net operating income to assets | -0.1256% | 6,426 |
| Return on assets (ROA) | -0.0883% | 6,488 |
| Pretax return on assets | -0.0844% | 6,470 |
| Return on Equity (ROE) | -0.7465% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.7465% | 6,231 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5702% | 583 |
| Assets per employee ($millions) | 4.3199% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,285 |
| Loan loss allowance to noncurrent loans | 56,100.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 4,406 |
| Noncurrent loans to loans | 0.0017% | 6,690 |
| Net loans and leases to total assets | 80.9649% | 435 |
| Net loans and leases to deposits | 91.6629% | 1,002 |
| Net loans and leases to core deposits | 112.1254% | 493 |
| Total domestic deposits to total assets | 88.3289% | 1,824 |
| Equity capital to assets | 11.1509% | 3,091 |
| Core capital (leverage) ratio | 11.2668% | 2,164 |
| Tier 1 risk-based capital ratio | 12.5241% | 5,620 |
| Total risk-based capital ratio | 13.4049% | 5,823 |
| Memoranda: | ||
| Average total assets | $67,912,750 | 5,748 |
| Average earning assets | $64,824,500 | 5,646 |
| Average equity | $8,038,000 | 5,548 |
| Average total loans | $53,033,500 | 5,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7339% | 2,780 |
| Cost of funding earning assets | 0.6890% | 4,104 |
| Net interest margin | 4.0450% | 2,316 |
| Noninterest income to average assets | 0.2331% | 5,903 |
| Noninterest expense to average assets | 4.5254% | 541 |
| Loan and lease loss provision to assets | 0.1665% | 3,441 |
| Net operating income to assets | -0.6054% | 6,783 |
| Return on assets (ROA) | -0.5479% | 6,788 |
| Pretax return on assets | -0.5449% | 6,755 |
| Return on Equity (ROE) | -4.5320% | 6,754 |
| Retained earnings to average equity (ytd only) | -4.5320% | 6,592 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6588% | 320 |
| Assets per employee ($millions) | 3.8478% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 4,385 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.3269% | 686 |
| Net loans and leases to deposits | 89.0132% | 1,252 |
| Net loans and leases to core deposits | 108.6064% | 635 |
| Total domestic deposits to total assets | 87.9947% | 2,150 |
| Equity capital to assets | 11.5375% | 2,553 |
| Core capital (leverage) ratio | 11.8252% | 1,705 |
| Tier 1 risk-based capital ratio | 13.0699% | 5,135 |
| Total risk-based capital ratio | 13.9407% | 5,399 |
| Memoranda: | ||
| Average total assets | $66,071,000 | 5,843 |
| Average earning assets | $62,992,000 | 5,738 |
| Average equity | $7,987,670 | 5,575 |
| Average total loans | $50,704,670 | 5,169 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7413% | 2,882 |
| Cost of funding earning assets | 0.7425% | 3,926 |
| Net interest margin | 3.9988% | 2,514 |
| Noninterest income to average assets | 0.2109% | 6,113 |
| Noninterest expense to average assets | 4.4978% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.4777% | 6,816 |
| Return on assets (ROA) | -0.4777% | 6,844 |
| Pretax return on assets | -0.4777% | 6,815 |
| Return on Equity (ROE) | -3.8567% | 6,798 |
| Retained earnings to average equity (ytd only) | -3.8567% | 6,478 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8827% | 313 |
| Assets per employee ($millions) | 3.6243% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0561% | 4,378 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.6565% | 1,117 |
| Net loans and leases to deposits | 84.3861% | 1,615 |
| Net loans and leases to core deposits | 98.3262% | 1,112 |
| Total domestic deposits to total assets | 87.2850% | 2,778 |
| Equity capital to assets | 12.2521% | 1,876 |
| Core capital (leverage) ratio | 12.3323% | 1,418 |
| Tier 1 risk-based capital ratio | 13.8309% | 4,589 |
| Total risk-based capital ratio | 14.6451% | 4,895 |
| Memoranda: | ||
| Average total assets | $64,476,000 | 5,943 |
| Average earning assets | $61,418,000 | 5,829 |
| Average equity | $7,986,000 | 5,601 |
| Average total loans | $48,671,500 | 5,282 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 4,123 |
| Cost of funding earning assets | 0.8119% | 4,777 |
| Net interest margin | 3.9180% | 3,266 |
| Noninterest income to average assets | 0.7450% | 2,364 |
| Noninterest expense to average assets | 5.3215% | 294 |
| Loan and lease loss provision to assets | 0.5579% | 1,871 |
| Net operating income to assets | -1.4037% | 6,885 |
| Return on assets (ROA) | -1.4037% | 6,906 |
| Pretax return on assets | -1.4001% | 6,869 |
| Return on Equity (ROE) | -9.3212% | 6,726 |
| Retained earnings to average equity (ytd only) | -9.3212% | 6,682 |
| Net charge-offs to loans | 0.2991% | 3,910 |
| Credit loss provision to net charge-offs | 248.0000% | 975 |
| Earnings coverage of net charge-offs (x) | -3.7440% | 6,345 |
| Efficiency ratio | 118.8027% | 315 |
| Assets per employee ($millions) | 3.5397% | 4,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,382 |
| Loan loss allowance to noncurrent loans | 222.9665% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 3,876 |
| Noncurrent loans to loans | 0.4281% | 5,851 |
| Net loans and leases to total assets | 75.9001% | 964 |
| Net loans and leases to deposits | 87.2591% | 1,479 |
| Net loans and leases to core deposits | 105.7004% | 806 |
| Total domestic deposits to total assets | 86.9825% | 2,771 |
| Equity capital to assets | 12.5232% | 1,787 |
| Core capital (leverage) ratio | 13.1139% | 1,098 |
| Tier 1 risk-based capital ratio | 13.7571% | 4,513 |
| Total risk-based capital ratio | 14.5591% | 4,812 |
| Memoranda: | ||
| Average total assets | $55,567,000 | 6,179 |
| Average earning assets | $52,961,200 | 6,079 |
| Average equity | $8,368,000 | 5,456 |
| Average total loans | $41,792,200 | 5,604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 4,694 |
| Cost of funding earning assets | 0.8235% | 4,985 |
| Net interest margin | 3.8194% | 3,770 |
| Noninterest income to average assets | 0.8518% | 1,829 |
| Noninterest expense to average assets | 5.4273% | 270 |
| Loan and lease loss provision to assets | 0.6700% | 1,442 |
| Net operating income to assets | -1.6115% | 7,065 |
| Return on assets (ROA) | -1.6115% | 7,076 |
| Pretax return on assets | -1.6065% | 7,041 |
| Return on Equity (ROE) | -10.1905% | 6,894 |
| Retained earnings to average equity (ytd only) | -10.1905% | 6,859 |
| Net charge-offs to loans | 0.4163% | 3,061 |
| Credit loss provision to net charge-offs | 215.2000% | 1,338 |
| Earnings coverage of net charge-offs (x) | -3.0080% | 6,060 |
| Efficiency ratio | 120.8541% | 298 |
| Assets per employee ($millions) | 3.5168% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 6,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 4,485 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 75.3956% | 1,074 |
| Net loans and leases to deposits | 87.5228% | 1,489 |
| Net loans and leases to core deposits | 107.6956% | 780 |
| Total domestic deposits to total assets | 86.1439% | 3,142 |
| Equity capital to assets | 13.6002% | 1,325 |
| Core capital (leverage) ratio | 14.1627% | 856 |
| Tier 1 risk-based capital ratio | 16.2024% | 3,013 |
| Total risk-based capital ratio | 17.0518% | 3,177 |
| Memoranda: | ||
| Average total assets | $53,530,250 | 6,297 |
| Average earning assets | $51,001,250 | 6,201 |
| Average equity | $8,465,250 | 5,442 |
| Average total loans | $40,034,000 | 5,743 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 4,745 |
| Cost of funding earning assets | 0.8204% | 5,241 |
| Net interest margin | 3.8325% | 3,633 |
| Noninterest income to average assets | 1.0847% | 1,102 |
| Noninterest expense to average assets | 5.7887% | 221 |
| Loan and lease loss provision to assets | 0.4937% | 1,990 |
| Net operating income to assets | -1.5512% | 7,109 |
| Return on assets (ROA) | -1.5512% | 7,125 |
| Pretax return on assets | -1.5473% | 7,088 |
| Return on Equity (ROE) | -9.3043% | 6,915 |
| Retained earnings to average equity (ytd only) | -9.3043% | 6,848 |
| Net charge-offs to loans | 0.6543% | 2,210 |
| Credit loss provision to net charge-offs | 101.6000% | 3,055 |
| Earnings coverage of net charge-offs (x) | -2.1680% | 5,720 |
| Efficiency ratio | 122.2496% | 321 |
| Assets per employee ($millions) | 3.0513% | 5,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7133% | 7,003 |
| Loan loss allowance to noncurrent loans | 9,433.3333% | 61 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 4,374 |
| Noncurrent loans to loans | 0.0076% | 6,992 |
| Net loans and leases to total assets | 71.7209% | 1,838 |
| Net loans and leases to deposits | 84.8253% | 1,974 |
| Net loans and leases to core deposits | 103.4345% | 1,081 |
| Total domestic deposits to total assets | 84.5514% | 4,096 |
| Equity capital to assets | 15.2483% | 761 |
| Core capital (leverage) ratio | 16.0791% | 498 |
| Tier 1 risk-based capital ratio | 18.9423% | 1,868 |
| Total risk-based capital ratio | 19.5824% | 2,020 |
| Memoranda: | ||
| Average total assets | $51,445,000 | 6,435 |
| Average earning assets | $49,002,000 | 6,340 |
| Average equity | $8,576,670 | 5,438 |
| Average total loans | $38,211,330 | 5,880 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 4,420 |
| Cost of funding earning assets | 0.8302% | 5,394 |
| Net interest margin | 3.8910% | 3,187 |
| Noninterest income to average assets | 0.9335% | 1,533 |
| Noninterest expense to average assets | 5.7056% | 229 |
| Loan and lease loss provision to assets | 0.3138% | 2,661 |
| Net operating income to assets | -1.3520% | 7,148 |
| Return on assets (ROA) | -1.3520% | 7,157 |
| Pretax return on assets | -1.3520% | 7,115 |
| Return on Equity (ROE) | -7.7442% | 6,948 |
| Retained earnings to average equity (ytd only) | -7.7442% | 6,734 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.2414% | 325 |
| Assets per employee ($millions) | 2.8516% | 6,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8021% | 6,915 |
| Loan loss allowance to noncurrent loans | 1,777.7778% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 7,076 |
| Noncurrent loans to loans | 0.0451% | 6,938 |
| Net loans and leases to total assets | 77.1007% | 862 |
| Net loans and leases to deposits | 92.8882% | 930 |
| Net loans and leases to core deposits | 113.3207% | 619 |
| Total domestic deposits to total assets | 83.0038% | 4,930 |
| Equity capital to assets | 16.7410% | 471 |
| Core capital (leverage) ratio | 17.6244% | 351 |
| Tier 1 risk-based capital ratio | 19.6812% | 1,653 |
| Total risk-based capital ratio | 20.4130% | 1,724 |
| Memoranda: | ||
| Average total assets | $49,705,500 | 6,540 |
| Average earning assets | $47,700,000 | 6,425 |
| Average equity | $8,677,500 | 5,414 |
| Average total loans | $37,479,500 | 5,968 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5931% | 6,133 |
| Cost of funding earning assets | 1.0846% | 5,223 |
| Net interest margin | 3.5085% | 5,217 |
| Noninterest income to average assets | 0.2848% | 5,744 |
| Noninterest expense to average assets | 4.7627% | 520 |
| Loan and lease loss provision to assets | 0.1798% | 5,421 |
| Net operating income to assets | -1.2817% | 6,822 |
| Return on assets (ROA) | -1.1160% | 6,771 |
| Pretax return on assets | -1.1160% | 6,702 |
| Return on Equity (ROE) | -6.4296% | 6,521 |
| Retained earnings to average equity (ytd only) | -6.4296% | 6,421 |
| Net charge-offs to loans | 0.0165% | 6,655 |
| Credit loss provision to net charge-offs | 1,540.0000% | 157 |
| Earnings coverage of net charge-offs (x) | -94.4000% | 6,842 |
| Efficiency ratio | 130.1020% | 316 |
| Assets per employee ($millions) | 3.2055% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8014% | 6,964 |
| Loan loss allowance to noncurrent loans | 3,122.2222% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 7,196 |
| Noncurrent loans to loans | 0.0257% | 7,072 |
| Net loans and leases to total assets | 72.3410% | 2,019 |
| Net loans and leases to deposits | 88.7276% | 1,687 |
| Net loans and leases to core deposits | 107.8141% | 1,065 |
| Total domestic deposits to total assets | 81.5316% | 5,347 |
| Equity capital to assets | 18.2230% | 360 |
| Core capital (leverage) ratio | 17.9817% | 331 |
| Tier 1 risk-based capital ratio | 22.1309% | 1,154 |
| Total risk-based capital ratio | 22.8396% | 1,212 |
| Memoranda: | ||
| Average total assets | $42,833,200 | 6,770 |
| Average earning assets | $41,214,400 | 6,671 |
| Average equity | $7,434,400 | 5,897 |
| Average total loans | $30,363,000 | 6,374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 6,348 |
| Cost of funding earning assets | 1.1326% | 5,238 |
| Net interest margin | 3.4613% | 5,447 |
| Noninterest income to average assets | 0.2280% | 6,268 |
| Noninterest expense to average assets | 4.7589% | 461 |
| Loan and lease loss provision to assets | 0.1670% | 5,374 |
| Net operating income to assets | -1.3712% | 7,061 |
| Return on assets (ROA) | -1.1432% | 6,992 |
| Pretax return on assets | -1.1432% | 6,916 |
| Return on Equity (ROE) | -6.6829% | 6,770 |
| Retained earnings to average equity (ytd only) | -6.6829% | 6,690 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8753% | 274 |
| Assets per employee ($millions) | 3.7024% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 6,947 |
| Loan loss allowance to noncurrent loans | 1,864.2857% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 7,284 |
| Noncurrent loans to loans | 0.0443% | 7,136 |
| Net loans and leases to total assets | 65.1347% | 3,882 |
| Net loans and leases to deposits | 76.1847% | 4,151 |
| Net loans and leases to core deposits | 88.9892% | 3,237 |
| Total domestic deposits to total assets | 85.4958% | 3,345 |
| Equity capital to assets | 14.3483% | 1,066 |
| Core capital (leverage) ratio | 15.2337% | 672 |
| Tier 1 risk-based capital ratio | 18.7728% | 1,801 |
| Total risk-based capital ratio | 19.4824% | 1,912 |
| Memoranda: | ||
| Average total assets | $41,521,000 | 6,898 |
| Average earning assets | $39,907,500 | 6,798 |
| Average equity | $7,102,500 | 6,077 |
| Average total loans | $29,187,750 | 6,525 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6358% | 6,352 |
| Cost of funding earning assets | 1.1934% | 5,169 |
| Net interest margin | 3.4424% | 5,473 |
| Noninterest income to average assets | 0.2747% | 5,951 |
| Noninterest expense to average assets | 4.9189% | 403 |
| Loan and lease loss provision to assets | 0.1831% | 5,038 |
| Net operating income to assets | -1.5260% | 7,157 |
| Return on assets (ROA) | -1.1649% | 7,034 |
| Pretax return on assets | -1.1649% | 6,963 |
| Return on Equity (ROE) | -6.3895% | 6,793 |
| Retained earnings to average equity (ytd only) | -6.3895% | 6,683 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.5533% | 262 |
| Assets per employee ($millions) | 3.3724% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 7,029 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.1043% | 3,104 |
| Net loans and leases to deposits | 82.4650% | 3,188 |
| Net loans and leases to core deposits | 101.0878% | 1,912 |
| Total domestic deposits to total assets | 83.7983% | 4,198 |
| Equity capital to assets | 16.0489% | 662 |
| Core capital (leverage) ratio | 16.0889% | 556 |
| Tier 1 risk-based capital ratio | 20.0736% | 1,507 |
| Total risk-based capital ratio | 20.7726% | 1,575 |
| Memoranda: | ||
| Average total assets | $39,317,670 | 7,018 |
| Average earning assets | $37,706,670 | 6,938 |
| Average equity | $7,168,000 | 6,082 |
| Average total loans | $28,380,000 | 6,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8069% | 5,871 |
| Cost of funding earning assets | 1.1848% | 5,486 |
| Net interest margin | 3.6221% | 4,612 |
| Noninterest income to average assets | 0.4534% | 4,436 |
| Noninterest expense to average assets | 5.0086% | 362 |
| Loan and lease loss provision to assets | 0.2375% | 4,146 |
| Net operating income to assets | -1.3277% | 7,267 |
| Return on assets (ROA) | -0.5613% | 6,902 |
| Pretax return on assets | -0.5613% | 6,822 |
| Return on Equity (ROE) | -2.8753% | 6,724 |
| Retained earnings to average equity (ytd only) | -2.8753% | 6,338 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8237% | 357 |
| Assets per employee ($millions) | 3.1460% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 7,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.0645% | 3,142 |
| Net loans and leases to deposits | 84.0255% | 2,939 |
| Net loans and leases to core deposits | 111.7724% | 1,178 |
| Total domestic deposits to total assets | 82.1947% | 4,982 |
| Equity capital to assets | 17.6219% | 455 |
| Core capital (leverage) ratio | 20.0067% | 249 |
| Tier 1 risk-based capital ratio | 22.3480% | 1,157 |
| Total risk-based capital ratio | 23.0674% | 1,215 |
| Memoranda: | ||
| Average total assets | $37,056,000 | 7,199 |
| Average earning assets | $35,449,000 | 7,109 |
| Average equity | $7,234,000 | 6,103 |
| Average total loans | $27,299,500 | 6,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 7,320 |
| Cost of funding earning assets | 1.4178% | 5,851 |
| Net interest margin | 3.1510% | 6,224 |
| Noninterest income to average assets | 0.1216% | 7,149 |
| Noninterest expense to average assets | 7.8449% | 153 |
| Loan and lease loss provision to assets | 0.7294% | 2,921 |
| Net operating income to assets | -5.4987% | 7,798 |
| Return on assets (ROA) | -5.4987% | 7,792 |
| Pretax return on assets | -5.4987% | 7,761 |
| Return on Equity (ROE) | -17.2060% | 7,042 |
| Retained earnings to average equity (ytd only) | -17.2060% | 6,997 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 255.0725% | 82 |
| Assets per employee ($millions) | 2.7678% | 6,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 7,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.0153% | 1,378 |
| Net loans and leases to deposits | 102.2170% | 739 |
| Net loans and leases to core deposits | 181.1521% | 158 |
| Total domestic deposits to total assets | 76.3232% | 6,613 |
| Equity capital to assets | 21.8613% | 228 |
| Core capital (leverage) ratio | 23.4574% | 185 |
| Tier 1 risk-based capital ratio | 24.4849% | 903 |
| Total risk-based capital ratio | 25.1897% | 932 |
| Memoranda: | ||
| Average total assets | $24,678,600 | 7,648 |
| Average earning assets | $23,135,200 | 7,609 |
| Average equity | $7,886,800 | 5,962 |
| Average total loans | $15,367,600 | 7,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 7,657 |
| Cost of funding earning assets | 1.5052% | 5,798 |
| Net interest margin | 2.8200% | 7,021 |
| Noninterest income to average assets | 0.0946% | 7,432 |
| Noninterest expense to average assets | 8.4157% | 136 |
| Loan and lease loss provision to assets | 0.7570% | 2,474 |
| Net operating income to assets | -6.4522% | 7,950 |
| Return on assets (ROA) | -6.4522% | 7,949 |
| Pretax return on assets | -6.4522% | 7,935 |
| Return on Equity (ROE) | -18.0851% | 7,309 |
| Retained earnings to average equity (ytd only) | -18.0851% | 7,273 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 309.3478% | 64 |
| Assets per employee ($millions) | 2.4418% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 7,051 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 64.6406% | 4,728 |
| Net loans and leases to deposits | 87.4025% | 3,074 |
| Net loans and leases to core deposits | 159.7857% | 385 |
| Total domestic deposits to total assets | 73.9574% | 6,949 |
| Equity capital to assets | 25.6877% | 164 |
| Core capital (leverage) ratio | 27.3739% | 145 |
| Tier 1 risk-based capital ratio | 33.1601% | 435 |
| Total risk-based capital ratio | 33.8517% | 443 |
| Memoranda: | ||
| Average total assets | $22,544,750 | 7,786 |
| Average earning assets | $20,992,750 | 7,753 |
| Average equity | $8,043,250 | 5,966 |
| Average total loans | $12,679,250 | 7,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 7,873 |
| Cost of funding earning assets | 1.5696% | 5,841 |
| Net interest margin | 2.5346% | 7,438 |
| Noninterest income to average assets | 0.0887% | 7,532 |
| Noninterest expense to average assets | 9.0872% | 130 |
| Loan and lease loss provision to assets | 1.1926% | 1,444 |
| Net operating income to assets | -7.8355% | 8,076 |
| Return on assets (ROA) | -7.8355% | 8,066 |
| Pretax return on assets | -7.8355% | 8,050 |
| Return on Equity (ROE) | -19.3541% | 7,485 |
| Retained earnings to average equity (ytd only) | -19.3541% | 7,435 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 371.7742% | 59 |
| Assets per employee ($millions) | 2.1926% | 7,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 6,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 60.7084% | 5,566 |
| Net loans and leases to deposits | 86.6873% | 3,420 |
| Net loans and leases to core deposits | 142.6288% | 907 |
| Total domestic deposits to total assets | 70.0315% | 7,471 |
| Equity capital to assets | 29.7328% | 139 |
| Core capital (leverage) ratio | 34.7797% | 109 |
| Tier 1 risk-based capital ratio | 38.8296% | 334 |
| Total risk-based capital ratio | 39.5741% | 334 |
| Memoranda: | ||
| Average total assets | $20,292,330 | 7,914 |
| Average earning assets | $18,858,670 | 7,889 |
| Average equity | $8,215,330 | 5,945 |
| Average total loans | $10,539,670 | 7,835 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9324% | 8,009 |
| Cost of funding earning assets | 1.7393% | 5,426 |
| Net interest margin | 2.1931% | 7,807 |
| Noninterest income to average assets | 0.0926% | 7,588 |
| Noninterest expense to average assets | 10.1140% | 112 |
| Loan and lease loss provision to assets | 1.5507% | 811 |
| Net operating income to assets | -9.5585% | 8,168 |
| Return on assets (ROA) | -9.5585% | 8,159 |
| Pretax return on assets | -9.5585% | 8,147 |
| Return on Equity (ROE) | -19.6398% | 7,744 |
| Retained earnings to average equity (ytd only) | -19.6398% | 7,634 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 480.2198% | 41 |
| Assets per employee ($millions) | 1.7311% | 8,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 7,126 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.8317% | 5,369 |
| Net loans and leases to deposits | 109.0387% | 667 |
| Net loans and leases to core deposits | 198.5832% | 146 |
| Total domestic deposits to total assets | 56.7062% | 8,033 |
| Equity capital to assets | 43.0890% | 85 |
| Core capital (leverage) ratio | 46.2697% | 82 |
| Tier 1 risk-based capital ratio | 53.7117% | 172 |
| Total risk-based capital ratio | 54.3401% | 174 |
| Memoranda: | ||
| Average total assets | $17,283,000 | 8,055 |
| Average earning assets | $15,868,000 | 8,027 |
| Average equity | $8,411,500 | 5,917 |
| Average total loans | $7,748,000 | 8,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4864% | 8,285 |
| Cost of funding earning assets | 0.1974% | 8,244 |
| Net interest margin | 0.2890% | 8,283 |
| Noninterest income to average assets | 0.0064% | 8,083 |
| Noninterest expense to average assets | 2.4543% | 6,187 |
| Loan and lease loss provision to assets | 0.1868% | 5,021 |
| Net operating income to assets | -2.3705% | 7,672 |
| Return on assets (ROA) | -2.3705% | 7,638 |
| Pretax return on assets | -2.3705% | 7,549 |
| Return on Equity (ROE) | -4.2701% | 6,781 |
| Retained earnings to average equity (ytd only) | -4.2701% | 6,375 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 907.1429% | 20 |
| Assets per employee ($millions) | 1.4113% | 8,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 7,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 23.1706% | 8,117 |
| Net loans and leases to deposits | 52.4880% | 7,513 |
| Net loans and leases to core deposits | 94.4342% | 5,411 |
| Total domestic deposits to total assets | 44.1446% | 8,167 |
| Equity capital to assets | 55.5140% | 66 |
| Core capital (leverage) ratio | 78.7392% | 34 |
| Tier 1 risk-based capital ratio | 125.4622% | 64 |
| Total risk-based capital ratio | 125.8844% | 65 |
| Memoranda: | ||
| Average total assets | $15,524,000 | 8,151 |
| Average earning assets | $14,185,000 | 8,132 |
| Average equity | $8,618,000 | 5,867 |
| Average total loans | $3,626,000 | 8,204 |