Home > Community Shores Bank > Performance and Condition Ratios
Community Shores Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1656% | 5,006 |
| Cost of funding earning assets | 0.0888% | 4,947 |
| Net interest margin | 1.0768% | 4,999 |
| Noninterest income to average assets | 0.2197% | 4,177 |
| Noninterest expense to average assets | 0.9487% | 4,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2110% | 4,570 |
| Return on assets (ROA) | 0.2110% | 4,615 |
| Pretax return on assets | 0.2729% | 4,576 |
| Return on Equity (ROE) | 2.2869% | 4,511 |
| Retained earnings to average equity (ytd only) | 2.2869% | 3,829 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6621% | 1,067 |
| Assets per employee ($millions) | 4.5045% | 3,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.7412% | 1,573 |
| Noncurrent loans to loans | 0.7684% | 1,894 |
| Net loans and leases to total assets | 65.4873% | 2,579 |
| Net loans and leases to deposits | 72.7893% | 3,058 |
| Net loans and leases to core deposits | 73.3430% | 3,371 |
| Total domestic deposits to total assets | 89.9684% | 437 |
| Equity capital to assets | 9.9335% | 3,285 |
| Core capital (leverage) ratio | 6.3878% | 5,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1885% | 3,074 |
| Memoranda: | ||
| Average total assets | $230,633,500 | 2,699 |
| Average earning assets | $214,590,500 | 2,699 |
| Average equity | $21,279,750 | 3,067 |
| Average total loans | $162,035,750 | 2,558 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0715% | 3,121 |
| Cost of funding earning assets | 0.8122% | 1,769 |
| Net interest margin | 3.2593% | 3,490 |
| Noninterest income to average assets | 0.5488% | 2,360 |
| Noninterest expense to average assets | 3.1362% | 1,273 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3558% | 4,320 |
| Return on assets (ROA) | 0.3821% | 4,329 |
| Pretax return on assets | 0.4984% | 4,252 |
| Return on Equity (ROE) | 4.2675% | 4,032 |
| Retained earnings to average equity (ytd only) | 4.2675% | 2,791 |
| Net charge-offs to loans | 0.1450% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.4483% | 2,600 |
| Efficiency ratio | 87.0871% | 495 |
| Assets per employee ($millions) | 4.5182% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,243 |
| Loan loss allowance to noncurrent loans | 84.5191% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 1,432 |
| Noncurrent loans to loans | 0.9872% | 1,574 |
| Net loans and leases to total assets | 71.0256% | 1,865 |
| Net loans and leases to deposits | 77.6169% | 2,699 |
| Net loans and leases to core deposits | 80.7296% | 2,892 |
| Total domestic deposits to total assets | 91.5079% | 85 |
| Equity capital to assets | 8.1368% | 4,658 |
| Core capital (leverage) ratio | 8.1987% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0269% | 2,169 |
| Memoranda: | ||
| Average total assets | $221,925,333 | 2,737 |
| Average earning assets | $207,834,333 | 2,727 |
| Average equity | $19,871,333 | 3,185 |
| Average total loans | $159,999,667 | 2,567 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 2,870 |
| Cost of funding earning assets | 0.9422% | 1,680 |
| Net interest margin | 3.3747% | 3,382 |
| Noninterest income to average assets | 0.5886% | 2,089 |
| Noninterest expense to average assets | 3.1327% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4769% | 3,954 |
| Return on assets (ROA) | 0.5330% | 3,858 |
| Pretax return on assets | 0.6787% | 3,747 |
| Return on Equity (ROE) | 5.6455% | 3,441 |
| Retained earnings to average equity (ytd only) | 5.6455% | 2,018 |
| Net charge-offs to loans | 0.3099% | 472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.7094% | 2,263 |
| Efficiency ratio | 83.7519% | 843 |
| Assets per employee ($millions) | 3.4808% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,691 |
| Loan loss allowance to noncurrent loans | 83.5586% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.0055% | 1,311 |
| Noncurrent loans to loans | 1.1998% | 1,360 |
| Net loans and leases to total assets | 67.9012% | 2,555 |
| Net loans and leases to deposits | 74.9878% | 3,171 |
| Net loans and leases to core deposits | 79.1790% | 3,273 |
| Total domestic deposits to total assets | 90.5496% | 186 |
| Equity capital to assets | 9.2502% | 4,431 |
| Core capital (leverage) ratio | 8.8318% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1620% | 2,633 |
| Memoranda: | ||
| Average total assets | $208,637,000 | 2,801 |
| Average earning assets | $194,861,000 | 2,787 |
| Average equity | $19,697,000 | 3,197 |
| Average total loans | $151,007,000 | 2,631 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8287% | 1,955 |
| Cost of funding earning assets | 0.9510% | 1,954 |
| Net interest margin | 3.8777% | 2,255 |
| Noninterest income to average assets | 0.5523% | 2,463 |
| Noninterest expense to average assets | 3.4289% | 1,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5315% | 4,331 |
| Return on assets (ROA) | 0.5335% | 4,377 |
| Pretax return on assets | 0.7006% | 4,209 |
| Return on Equity (ROE) | 5.6048% | 4,035 |
| Retained earnings to average equity (ytd only) | 5.6048% | 2,099 |
| Net charge-offs to loans | 0.1018% | 1,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 8.8397% | 2,727 |
| Efficiency ratio | 83.0860% | 724 |
| Assets per employee ($millions) | 3.2494% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0397% | 3,274 |
| Loan loss allowance to noncurrent loans | 85.4778% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 1,068 |
| Noncurrent loans to loans | 1.2163% | 1,232 |
| Net loans and leases to total assets | 75.6421% | 1,477 |
| Net loans and leases to deposits | 83.9101% | 2,344 |
| Net loans and leases to core deposits | 88.5988% | 2,553 |
| Total domestic deposits to total assets | 90.1465% | 277 |
| Equity capital to assets | 9.6450% | 4,222 |
| Core capital (leverage) ratio | 9.1751% | 4,376 |
| Tier 1 risk-based capital ratio | 11.4744% | 4,642 |
| Total risk-based capital ratio | 12.4762% | 4,660 |
| Memoranda: | ||
| Average total assets | $197,553,600 | 2,858 |
| Average earning assets | $182,118,800 | 2,865 |
| Average equity | $18,805,400 | 3,245 |
| Average total loans | $153,222,800 | 2,583 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8859% | 1,855 |
| Cost of funding earning assets | 0.9311% | 2,078 |
| Net interest margin | 3.9548% | 2,091 |
| Noninterest income to average assets | 0.5609% | 2,407 |
| Noninterest expense to average assets | 3.4598% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5732% | 4,368 |
| Return on assets (ROA) | 0.5758% | 4,407 |
| Pretax return on assets | 0.7400% | 4,261 |
| Return on Equity (ROE) | 6.0699% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.0699% | 2,339 |
| Net charge-offs to loans | 0.1403% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.7454% | 2,808 |
| Efficiency ratio | 82.4471% | 729 |
| Assets per employee ($millions) | 3.1839% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,420 |
| Loan loss allowance to noncurrent loans | 86.8335% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.2514% | 990 |
| Noncurrent loans to loans | 1.1813% | 1,332 |
| Net loans and leases to total assets | 75.5723% | 1,550 |
| Net loans and leases to deposits | 83.7100% | 2,492 |
| Net loans and leases to core deposits | 86.7845% | 2,841 |
| Total domestic deposits to total assets | 90.2787% | 220 |
| Equity capital to assets | 9.4313% | 4,510 |
| Core capital (leverage) ratio | 9.0109% | 4,628 |
| Tier 1 risk-based capital ratio | 11.0930% | 4,866 |
| Total risk-based capital ratio | 12.0725% | 4,884 |
| Memoranda: | ||
| Average total assets | $196,576,500 | 2,892 |
| Average earning assets | $180,705,750 | 2,900 |
| Average equity | $18,649,000 | 3,287 |
| Average total loans | $153,030,750 | 2,614 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8611% | 1,877 |
| Cost of funding earning assets | 0.8828% | 2,228 |
| Net interest margin | 3.9783% | 1,992 |
| Noninterest income to average assets | 0.5891% | 2,203 |
| Noninterest expense to average assets | 3.5431% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5470% | 4,430 |
| Return on assets (ROA) | 0.5510% | 4,453 |
| Pretax return on assets | 0.6994% | 4,330 |
| Return on Equity (ROE) | 5.7965% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.7965% | 2,370 |
| Net charge-offs to loans | -0.0039% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6169% | 680 |
| Assets per employee ($millions) | 3.1490% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 2,896 |
| Loan loss allowance to noncurrent loans | 86.9565% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 841 |
| Noncurrent loans to loans | 1.3004% | 1,212 |
| Net loans and leases to total assets | 77.5689% | 1,300 |
| Net loans and leases to deposits | 85.9664% | 2,258 |
| Net loans and leases to core deposits | 89.0760% | 2,686 |
| Total domestic deposits to total assets | 90.2316% | 270 |
| Equity capital to assets | 9.5002% | 4,402 |
| Core capital (leverage) ratio | 9.1937% | 4,466 |
| Tier 1 risk-based capital ratio | 11.0208% | 4,897 |
| Total risk-based capital ratio | 12.1024% | 4,893 |
| Memoranda: | ||
| Average total assets | $194,179,000 | 2,923 |
| Average earning assets | $178,066,670 | 2,937 |
| Average equity | $18,459,330 | 3,299 |
| Average total loans | $152,178,000 | 2,638 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 1,829 |
| Cost of funding earning assets | 0.8093% | 2,481 |
| Net interest margin | 4.0170% | 1,801 |
| Noninterest income to average assets | 0.5519% | 2,280 |
| Noninterest expense to average assets | 3.5923% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5060% | 4,507 |
| Return on assets (ROA) | 0.5060% | 4,526 |
| Pretax return on assets | 0.6393% | 4,442 |
| Return on Equity (ROE) | 5.3215% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.3215% | 2,767 |
| Net charge-offs to loans | -0.0213% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8917% | 651 |
| Assets per employee ($millions) | 3.1695% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 2,858 |
| Loan loss allowance to noncurrent loans | 86.1816% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4253% | 863 |
| Noncurrent loans to loans | 1.3335% | 1,224 |
| Net loans and leases to total assets | 76.0295% | 1,477 |
| Net loans and leases to deposits | 84.0094% | 2,384 |
| Net loans and leases to core deposits | 84.8200% | 2,962 |
| Total domestic deposits to total assets | 90.5013% | 290 |
| Equity capital to assets | 9.2343% | 4,496 |
| Core capital (leverage) ratio | 9.2041% | 4,466 |
| Tier 1 risk-based capital ratio | 10.9818% | 4,985 |
| Total risk-based capital ratio | 12.0854% | 4,956 |
| Memoranda: | ||
| Average total assets | $192,076,000 | 2,977 |
| Average earning assets | $175,952,000 | 2,991 |
| Average equity | $18,265,500 | 3,329 |
| Average total loans | $150,444,500 | 2,683 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 1,862 |
| Cost of funding earning assets | 0.5746% | 2,888 |
| Net interest margin | 4.1135% | 1,641 |
| Noninterest income to average assets | 0.5289% | 2,662 |
| Noninterest expense to average assets | 3.6119% | 858 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6103% | 4,386 |
| Return on assets (ROA) | 0.6103% | 4,395 |
| Pretax return on assets | 0.6646% | 4,501 |
| Return on Equity (ROE) | 6.4269% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.4269% | 1,962 |
| Net charge-offs to loans | 0.1075% | 1,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 7.8025% | 2,954 |
| Efficiency ratio | 84.4602% | 624 |
| Assets per employee ($millions) | 2.8824% | 5,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,608 |
| Loan loss allowance to noncurrent loans | 86.5091% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.5455% | 748 |
| Noncurrent loans to loans | 1.3787% | 1,131 |
| Net loans and leases to total assets | 78.9015% | 1,111 |
| Net loans and leases to deposits | 87.7485% | 2,072 |
| Net loans and leases to core deposits | 88.5051% | 2,703 |
| Total domestic deposits to total assets | 89.9178% | 501 |
| Equity capital to assets | 9.8074% | 3,857 |
| Core capital (leverage) ratio | 9.4806% | 4,135 |
| Tier 1 risk-based capital ratio | 11.2886% | 4,818 |
| Total risk-based capital ratio | 12.4444% | 4,778 |
| Memoranda: | ||
| Average total assets | $184,333,600 | 3,014 |
| Average earning assets | $167,935,800 | 3,046 |
| Average equity | $17,504,600 | 3,345 |
| Average total loans | $146,093,200 | 2,692 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,928 |
| Cost of funding earning assets | 0.5204% | 3,057 |
| Net interest margin | 4.0983% | 1,635 |
| Noninterest income to average assets | 0.5346% | 2,648 |
| Noninterest expense to average assets | 3.6346% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6164% | 4,460 |
| Return on assets (ROA) | 0.6164% | 4,465 |
| Pretax return on assets | 0.6374% | 4,664 |
| Return on Equity (ROE) | 6.5445% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.5445% | 2,363 |
| Net charge-offs to loans | 0.1472% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 5.4721% | 2,957 |
| Efficiency ratio | 85.0804% | 571 |
| Assets per employee ($millions) | 2.7270% | 5,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 2,611 |
| Loan loss allowance to noncurrent loans | 84.8015% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6513% | 756 |
| Noncurrent loans to loans | 1.4174% | 1,171 |
| Net loans and leases to total assets | 80.0109% | 1,018 |
| Net loans and leases to deposits | 89.0575% | 2,012 |
| Net loans and leases to core deposits | 93.5183% | 2,344 |
| Total domestic deposits to total assets | 89.8418% | 562 |
| Equity capital to assets | 9.8532% | 3,779 |
| Core capital (leverage) ratio | 9.3514% | 4,334 |
| Tier 1 risk-based capital ratio | 11.0459% | 5,013 |
| Total risk-based capital ratio | 12.1976% | 4,962 |
| Memoranda: | ||
| Average total assets | $184,298,750 | 3,037 |
| Average earning assets | $168,065,750 | 3,070 |
| Average equity | $17,357,750 | 3,384 |
| Average total loans | $145,789,250 | 2,712 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 1,922 |
| Cost of funding earning assets | 0.4631% | 3,263 |
| Net interest margin | 4.0908% | 1,588 |
| Noninterest income to average assets | 0.6181% | 2,235 |
| Noninterest expense to average assets | 3.5986% | 869 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5912% | 4,519 |
| Return on assets (ROA) | 0.5912% | 4,522 |
| Pretax return on assets | 0.7484% | 4,395 |
| Return on Equity (ROE) | 6.3717% | 4,111 |
| Retained earnings to average equity (ytd only) | 6.3717% | 2,374 |
| Net charge-offs to loans | -0.0096% | 4,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7842% | 783 |
| Assets per employee ($millions) | 2.7967% | 5,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,065 |
| Loan loss allowance to noncurrent loans | 82.7660% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.9135% | 574 |
| Noncurrent loans to loans | 1.5973% | 1,016 |
| Net loans and leases to total assets | 80.1097% | 1,000 |
| Net loans and leases to deposits | 89.0032% | 1,979 |
| Net loans and leases to core deposits | 93.3120% | 2,284 |
| Total domestic deposits to total assets | 90.0077% | 572 |
| Equity capital to assets | 9.7521% | 3,869 |
| Core capital (leverage) ratio | 9.1623% | 4,506 |
| Tier 1 risk-based capital ratio | 11.0326% | 5,039 |
| Total risk-based capital ratio | 12.2931% | 4,929 |
| Memoranda: | ||
| Average total assets | $185,737,330 | 3,038 |
| Average earning assets | $169,307,330 | 3,069 |
| Average equity | $17,232,330 | 3,416 |
| Average total loans | $145,799,670 | 2,717 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 2,054 |
| Cost of funding earning assets | 0.4434% | 3,260 |
| Net interest margin | 3.9976% | 1,735 |
| Noninterest income to average assets | 0.6663% | 1,974 |
| Noninterest expense to average assets | 3.5196% | 972 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6240% | 4,362 |
| Return on assets (ROA) | 0.6240% | 4,373 |
| Pretax return on assets | 0.7889% | 4,178 |
| Return on Equity (ROE) | 6.8921% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.8921% | 2,328 |
| Net charge-offs to loans | -0.0548% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6888% | 981 |
| Assets per employee ($millions) | 3.0818% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 2,030 |
| Loan loss allowance to noncurrent loans | 85.3863% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.7770% | 689 |
| Noncurrent loans to loans | 1.5774% | 1,102 |
| Net loans and leases to total assets | 72.9638% | 2,033 |
| Net loans and leases to deposits | 80.2720% | 2,777 |
| Net loans and leases to core deposits | 83.7942% | 3,000 |
| Total domestic deposits to total assets | 90.8957% | 352 |
| Equity capital to assets | 8.8735% | 4,687 |
| Core capital (leverage) ratio | 8.5623% | 5,096 |
| Tier 1 risk-based capital ratio | 11.1046% | 5,082 |
| Total risk-based capital ratio | 12.3663% | 4,974 |
| Memoranda: | ||
| Average total assets | $189,112,500 | 3,043 |
| Average earning assets | $172,301,500 | 3,069 |
| Average equity | $17,121,000 | 3,460 |
| Average total loans | $146,046,000 | 2,735 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,555 |
| Cost of funding earning assets | 0.3955% | 3,299 |
| Net interest margin | 3.8411% | 2,285 |
| Noninterest income to average assets | 0.6315% | 2,297 |
| Noninterest expense to average assets | 3.4631% | 1,097 |
| Loan and lease loss provision to assets | 0.1171% | 1,941 |
| Net operating income to assets | -0.3113% | 5,482 |
| Return on assets (ROA) | -0.3113% | 5,479 |
| Pretax return on assets | 0.5451% | 4,852 |
| Return on Equity (ROE) | -3.3892% | 5,496 |
| Retained earnings to average equity (ytd only) | -3.3892% | 5,362 |
| Net charge-offs to loans | -0.0537% | 5,212 |
| Credit loss provision to net charge-offs | -292.2078% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9475% | 772 |
| Assets per employee ($millions) | 2.9689% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,276 |
| Loan loss allowance to noncurrent loans | 86.4499% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 653 |
| Noncurrent loans to loans | 1.4909% | 1,141 |
| Net loans and leases to total assets | 79.6332% | 1,015 |
| Net loans and leases to deposits | 88.5511% | 1,952 |
| Net loans and leases to core deposits | 92.5170% | 2,326 |
| Total domestic deposits to total assets | 89.9291% | 595 |
| Equity capital to assets | 9.2430% | 4,485 |
| Core capital (leverage) ratio | 8.5029% | 5,133 |
| Tier 1 risk-based capital ratio | 10.5672% | 5,343 |
| Total risk-based capital ratio | 11.8197% | 5,248 |
| Memoranda: | ||
| Average total assets | $192,083,200 | 2,997 |
| Average earning assets | $174,717,600 | 3,013 |
| Average equity | $17,644,200 | 3,410 |
| Average total loans | $143,502,400 | 2,729 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 2,773 |
| Cost of funding earning assets | 0.3898% | 3,289 |
| Net interest margin | 3.7660% | 2,517 |
| Noninterest income to average assets | 0.6409% | 2,249 |
| Noninterest expense to average assets | 3.4135% | 1,129 |
| Loan and lease loss provision to assets | 0.1546% | 1,337 |
| Net operating income to assets | 0.3215% | 5,176 |
| Return on assets (ROA) | 0.3215% | 5,203 |
| Pretax return on assets | 0.4974% | 5,035 |
| Return on Equity (ROE) | 3.5052% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.5052% | 3,828 |
| Net charge-offs to loans | -0.0075% | 4,556 |
| Credit loss provision to net charge-offs | -2,812.5000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9642% | 753 |
| Assets per employee ($millions) | 2.9811% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 2,733 |
| Loan loss allowance to noncurrent loans | 84.2009% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 762 |
| Noncurrent loans to loans | 1.4628% | 1,276 |
| Net loans and leases to total assets | 77.5031% | 1,347 |
| Net loans and leases to deposits | 86.7694% | 2,214 |
| Net loans and leases to core deposits | 87.3569% | 2,839 |
| Total domestic deposits to total assets | 89.3208% | 737 |
| Equity capital to assets | 9.5088% | 4,438 |
| Core capital (leverage) ratio | 8.2392% | 5,404 |
| Tier 1 risk-based capital ratio | 10.4502% | 5,465 |
| Total risk-based capital ratio | 11.6635% | 5,417 |
| Memoranda: | ||
| Average total assets | $194,085,500 | 3,004 |
| Average earning assets | $176,488,500 | 3,023 |
| Average equity | $17,801,750 | 3,427 |
| Average total loans | $142,253,500 | 2,769 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0730% | 2,925 |
| Cost of funding earning assets | 0.3884% | 3,199 |
| Net interest margin | 3.6846% | 2,704 |
| Noninterest income to average assets | 0.6138% | 2,392 |
| Noninterest expense to average assets | 3.4193% | 1,130 |
| Loan and lease loss provision to assets | 0.1783% | 1,071 |
| Net operating income to assets | 0.2439% | 5,332 |
| Return on assets (ROA) | 0.2439% | 5,351 |
| Pretax return on assets | 0.3699% | 5,234 |
| Return on Equity (ROE) | 2.6910% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.6910% | 4,090 |
| Net charge-offs to loans | 0.0114% | 3,059 |
| Credit loss provision to net charge-offs | 2,175.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 66.8750% | 868 |
| Efficiency ratio | 86.1829% | 680 |
| Assets per employee ($millions) | 3.0111% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 2,504 |
| Loan loss allowance to noncurrent loans | 863.1068% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 2,187 |
| Noncurrent loans to loans | 0.1485% | 4,517 |
| Net loans and leases to total assets | 71.0767% | 2,359 |
| Net loans and leases to deposits | 80.9563% | 2,811 |
| Net loans and leases to core deposits | 81.5069% | 3,294 |
| Total domestic deposits to total assets | 87.7964% | 1,565 |
| Equity capital to assets | 9.2962% | 4,623 |
| Core capital (leverage) ratio | 7.8966% | 5,568 |
| Tier 1 risk-based capital ratio | 10.8689% | 5,320 |
| Total risk-based capital ratio | 12.1027% | 5,248 |
| Memoranda: | ||
| Average total assets | $195,183,670 | 3,005 |
| Average earning assets | $177,658,670 | 3,022 |
| Average equity | $17,688,330 | 3,450 |
| Average total loans | $139,767,000 | 2,811 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 3,166 |
| Cost of funding earning assets | 0.3819% | 3,187 |
| Net interest margin | 3.5804% | 2,964 |
| Noninterest income to average assets | 0.6761% | 2,057 |
| Noninterest expense to average assets | 3.4050% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3543% | 5,065 |
| Return on assets (ROA) | 0.3543% | 5,085 |
| Pretax return on assets | 0.5356% | 4,884 |
| Return on Equity (ROE) | 3.9602% | 4,796 |
| Retained earnings to average equity (ytd only) | 3.9602% | 3,468 |
| Net charge-offs to loans | -0.0171% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4083% | 772 |
| Assets per employee ($millions) | 3.1586% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 3,367 |
| Loan loss allowance to noncurrent loans | 1,359.6639% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,392 |
| Noncurrent loans to loans | 0.0852% | 4,855 |
| Net loans and leases to total assets | 68.2559% | 2,636 |
| Net loans and leases to deposits | 76.9967% | 3,082 |
| Net loans and leases to core deposits | 77.4896% | 3,515 |
| Total domestic deposits to total assets | 88.6479% | 1,348 |
| Equity capital to assets | 8.8316% | 4,968 |
| Core capital (leverage) ratio | 8.0122% | 5,556 |
| Tier 1 risk-based capital ratio | 10.7766% | 5,426 |
| Total risk-based capital ratio | 11.8968% | 5,400 |
| Memoranda: | ||
| Average total assets | $196,419,000 | 3,031 |
| Average earning assets | $179,085,000 | 3,045 |
| Average equity | $17,575,000 | 3,472 |
| Average total loans | $140,274,500 | 2,817 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,096 |
| Cost of funding earning assets | 0.3835% | 3,167 |
| Net interest margin | 3.6456% | 2,906 |
| Noninterest income to average assets | 0.6351% | 2,478 |
| Noninterest expense to average assets | 3.6745% | 912 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1688% | 5,465 |
| Return on assets (ROA) | 0.1688% | 5,510 |
| Pretax return on assets | 0.2530% | 5,424 |
| Return on Equity (ROE) | 1.8908% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.8908% | 4,456 |
| Net charge-offs to loans | 0.0457% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 7.8983% | 2,955 |
| Efficiency ratio | 93.5591% | 400 |
| Assets per employee ($millions) | 2.8892% | 5,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 3,472 |
| Loan loss allowance to noncurrent loans | 1,310.5691% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 2,268 |
| Noncurrent loans to loans | 0.0873% | 4,889 |
| Net loans and leases to total assets | 73.0720% | 2,003 |
| Net loans and leases to deposits | 82.7539% | 2,583 |
| Net loans and leases to core deposits | 83.3170% | 3,093 |
| Total domestic deposits to total assets | 88.3004% | 1,489 |
| Equity capital to assets | 9.0707% | 4,744 |
| Core capital (leverage) ratio | 8.3048% | 5,432 |
| Tier 1 risk-based capital ratio | 10.0341% | 5,727 |
| Total risk-based capital ratio | 11.1184% | 5,738 |
| Memoranda: | ||
| Average total assets | $184,217,600 | 3,116 |
| Average earning assets | $166,364,800 | 3,159 |
| Average equity | $16,448,400 | 3,629 |
| Average total loans | $129,123,000 | 2,934 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,236 |
| Cost of funding earning assets | 0.3933% | 3,087 |
| Net interest margin | 3.6055% | 3,054 |
| Noninterest income to average assets | 0.6769% | 2,278 |
| Noninterest expense to average assets | 3.6954% | 853 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1570% | 5,540 |
| Return on assets (ROA) | 0.1570% | 5,598 |
| Pretax return on assets | 0.2344% | 5,534 |
| Return on Equity (ROE) | 1.7656% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.7656% | 4,798 |
| Net charge-offs to loans | 0.0497% | 2,664 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.8293% | 2,955 |
| Efficiency ratio | 94.0357% | 389 |
| Assets per employee ($millions) | 2.8268% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 3,035 |
| Loan loss allowance to noncurrent loans | 1,120.0000% | 534 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 2,026 |
| Noncurrent loans to loans | 0.1103% | 4,900 |
| Net loans and leases to total assets | 71.7858% | 2,225 |
| Net loans and leases to deposits | 82.0049% | 2,731 |
| Net loans and leases to core deposits | 82.5969% | 3,237 |
| Total domestic deposits to total assets | 87.5384% | 1,642 |
| Equity capital to assets | 9.5691% | 4,590 |
| Core capital (leverage) ratio | 8.0265% | 5,674 |
| Tier 1 risk-based capital ratio | 10.5180% | 5,615 |
| Total risk-based capital ratio | 11.6749% | 5,576 |
| Memoranda: | ||
| Average total assets | $182,599,500 | 3,147 |
| Average earning assets | $164,743,750 | 3,189 |
| Average equity | $16,236,250 | 3,691 |
| Average total loans | $126,165,500 | 2,986 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,293 |
| Cost of funding earning assets | 0.3956% | 3,091 |
| Net interest margin | 3.5891% | 3,139 |
| Noninterest income to average assets | 0.7152% | 2,066 |
| Noninterest expense to average assets | 3.7170% | 855 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1605% | 5,596 |
| Return on assets (ROA) | 0.1605% | 5,645 |
| Pretax return on assets | 0.2380% | 5,573 |
| Return on Equity (ROE) | 1.8517% | 5,541 |
| Retained earnings to average equity (ytd only) | 1.8517% | 4,634 |
| Net charge-offs to loans | 0.0515% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 6.8125% | 2,699 |
| Efficiency ratio | 93.9812% | 419 |
| Assets per employee ($millions) | 2.7010% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,854 |
| Loan loss allowance to noncurrent loans | 185.4072% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5084% | 1,265 |
| Noncurrent loans to loans | 0.6950% | 2,995 |
| Net loans and leases to total assets | 70.4264% | 2,413 |
| Net loans and leases to deposits | 80.0933% | 2,920 |
| Net loans and leases to core deposits | 80.6759% | 3,394 |
| Total domestic deposits to total assets | 87.9305% | 1,471 |
| Equity capital to assets | 9.6142% | 4,653 |
| Core capital (leverage) ratio | 8.1158% | 5,657 |
| Tier 1 risk-based capital ratio | 10.3958% | 5,723 |
| Total risk-based capital ratio | 11.5670% | 5,666 |
| Memoranda: | ||
| Average total assets | $183,160,670 | 3,153 |
| Average earning assets | $165,332,670 | 3,207 |
| Average equity | $15,877,670 | 3,751 |
| Average total loans | $124,388,670 | 3,015 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 3,680 |
| Cost of funding earning assets | 0.3964% | 3,112 |
| Net interest margin | 3.4788% | 3,560 |
| Noninterest income to average assets | 0.7069% | 2,009 |
| Noninterest expense to average assets | 3.7520% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0625% | 5,726 |
| Return on assets (ROA) | 0.0625% | 5,765 |
| Pretax return on assets | 0.0948% | 5,737 |
| Return on Equity (ROE) | 0.7608% | 5,732 |
| Retained earnings to average equity (ytd only) | 0.7608% | 4,916 |
| Net charge-offs to loans | -0.1106% | 5,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5350% | 356 |
| Assets per employee ($millions) | 2.8964% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,502 |
| Loan loss allowance to noncurrent loans | 151.0186% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 1.6368% | 1,206 |
| Noncurrent loans to loans | 0.9161% | 2,562 |
| Net loans and leases to total assets | 63.5766% | 3,304 |
| Net loans and leases to deposits | 71.6476% | 3,684 |
| Net loans and leases to core deposits | 72.1281% | 4,058 |
| Total domestic deposits to total assets | 88.7351% | 1,231 |
| Equity capital to assets | 8.8878% | 5,272 |
| Core capital (leverage) ratio | 8.0566% | 5,743 |
| Tier 1 risk-based capital ratio | 10.6392% | 5,690 |
| Total risk-based capital ratio | 11.8987% | 5,599 |
| Memoranda: | ||
| Average total assets | $185,607,500 | 3,139 |
| Average earning assets | $167,527,500 | 3,179 |
| Average equity | $15,247,000 | 3,844 |
| Average total loans | $122,990,000 | 3,042 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1028% | 2,905 |
| Cost of funding earning assets | 0.4219% | 2,921 |
| Net interest margin | 3.6809% | 2,825 |
| Noninterest income to average assets | 0.6694% | 2,348 |
| Noninterest expense to average assets | 3.9352% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0236% | 5,848 |
| Return on assets (ROA) | 0.0236% | 5,875 |
| Pretax return on assets | 0.0354% | 5,865 |
| Return on Equity (ROE) | 0.3233% | 5,862 |
| Retained earnings to average equity (ytd only) | 0.3233% | 5,385 |
| Net charge-offs to loans | 0.2432% | 1,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.2150% | 4,251 |
| Efficiency ratio | 99.1092% | 305 |
| Assets per employee ($millions) | 2.7701% | 5,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,607 |
| Loan loss allowance to noncurrent loans | 140.7751% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 1.8872% | 972 |
| Noncurrent loans to loans | 0.9671% | 2,398 |
| Net loans and leases to total assets | 67.2411% | 2,831 |
| Net loans and leases to deposits | 75.0898% | 3,375 |
| Net loans and leases to core deposits | 75.6183% | 3,789 |
| Total domestic deposits to total assets | 89.5476% | 827 |
| Equity capital to assets | 7.4999% | 5,984 |
| Core capital (leverage) ratio | 6.3010% | 6,109 |
| Tier 1 risk-based capital ratio | 8.4591% | 6,131 |
| Total risk-based capital ratio | 9.6954% | 6,129 |
| Memoranda: | ||
| Average total assets | $186,597,800 | 3,099 |
| Average earning assets | $167,349,400 | 3,160 |
| Average equity | $13,610,800 | 4,031 |
| Average total loans | $126,224,600 | 2,947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0479% | 3,136 |
| Cost of funding earning assets | 0.4209% | 3,004 |
| Net interest margin | 3.6270% | 3,045 |
| Noninterest income to average assets | 0.7287% | 2,114 |
| Noninterest expense to average assets | 3.7219% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1714% | 5,734 |
| Return on assets (ROA) | 0.1714% | 5,789 |
| Pretax return on assets | 0.2592% | 5,707 |
| Return on Equity (ROE) | 2.3569% | 5,588 |
| Retained earnings to average equity (ytd only) | 2.3569% | 4,705 |
| Net charge-offs to loans | 0.2748% | 971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.3970% | 3,843 |
| Efficiency ratio | 93.4899% | 504 |
| Assets per employee ($millions) | 2.9256% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 2,659 |
| Loan loss allowance to noncurrent loans | 133.9578% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 1,090 |
| Noncurrent loans to loans | 1.0363% | 2,403 |
| Net loans and leases to total assets | 64.1024% | 3,294 |
| Net loans and leases to deposits | 71.2376% | 3,846 |
| Net loans and leases to core deposits | 71.7091% | 4,214 |
| Total domestic deposits to total assets | 89.9839% | 575 |
| Equity capital to assets | 7.2606% | 6,109 |
| Core capital (leverage) ratio | 6.2025% | 6,190 |
| Tier 1 risk-based capital ratio | 8.6646% | 6,204 |
| Total risk-based capital ratio | 9.9279% | 6,203 |
| Memoranda: | ||
| Average total assets | $188,286,000 | 3,097 |
| Average earning assets | $168,839,500 | 3,168 |
| Average equity | $13,690,000 | 4,069 |
| Average total loans | $127,095,250 | 2,956 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 2,771 |
| Cost of funding earning assets | 0.4192% | 3,042 |
| Net interest margin | 3.7176% | 2,636 |
| Noninterest income to average assets | 0.7183% | 2,137 |
| Noninterest expense to average assets | 3.7419% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2004% | 5,689 |
| Return on assets (ROA) | 0.2004% | 5,754 |
| Pretax return on assets | 0.3037% | 5,653 |
| Return on Equity (ROE) | 2.7544% | 5,494 |
| Retained earnings to average equity (ytd only) | 2.7544% | 4,301 |
| Net charge-offs to loans | 0.6316% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.7037% | 3,632 |
| Efficiency ratio | 92.4921% | 613 |
| Assets per employee ($millions) | 2.8159% | 5,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 3,580 |
| Loan loss allowance to noncurrent loans | 109.4642% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.9489% | 1,144 |
| Noncurrent loans to loans | 1.1300% | 2,391 |
| Net loans and leases to total assets | 66.5727% | 2,854 |
| Net loans and leases to deposits | 74.0846% | 3,480 |
| Net loans and leases to core deposits | 74.5786% | 3,897 |
| Total domestic deposits to total assets | 89.8604% | 725 |
| Equity capital to assets | 7.2764% | 6,151 |
| Core capital (leverage) ratio | 6.5188% | 6,239 |
| Tier 1 risk-based capital ratio | 8.4358% | 6,282 |
| Total risk-based capital ratio | 9.5756% | 6,282 |
| Memoranda: | ||
| Average total assets | $187,660,330 | 3,134 |
| Average earning assets | $167,957,000 | 3,197 |
| Average equity | $13,651,000 | 4,103 |
| Average total loans | $128,255,330 | 2,943 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2348% | 2,329 |
| Cost of funding earning assets | 0.4352% | 2,929 |
| Net interest margin | 3.7996% | 2,235 |
| Noninterest income to average assets | 0.7523% | 1,903 |
| Noninterest expense to average assets | 3.8727% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1817% | 5,721 |
| Return on assets (ROA) | 0.1817% | 5,797 |
| Pretax return on assets | 0.2757% | 5,697 |
| Return on Equity (ROE) | 2.4977% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.4977% | 4,431 |
| Net charge-offs to loans | 1.1491% | 198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 3,069 |
| Efficiency ratio | 93.3539% | 625 |
| Assets per employee ($millions) | 2.8817% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 3,633 |
| Loan loss allowance to noncurrent loans | 104.9608% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 1,199 |
| Noncurrent loans to loans | 1.2001% | 2,373 |
| Net loans and leases to total assets | 66.2748% | 2,729 |
| Net loans and leases to deposits | 74.1152% | 3,296 |
| Net loans and leases to core deposits | 74.6070% | 3,728 |
| Total domestic deposits to total assets | 89.4213% | 1,033 |
| Equity capital to assets | 7.1953% | 6,239 |
| Core capital (leverage) ratio | 6.2633% | 6,316 |
| Tier 1 risk-based capital ratio | 8.3945% | 6,342 |
| Total risk-based capital ratio | 9.5698% | 6,344 |
| Memoranda: | ||
| Average total assets | $187,157,500 | 3,152 |
| Average earning assets | $167,281,500 | 3,215 |
| Average equity | $13,612,500 | 4,138 |
| Average total loans | $128,796,500 | 2,928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 3,135 |
| Cost of funding earning assets | 0.4914% | 2,756 |
| Net interest margin | 3.6556% | 3,195 |
| Noninterest income to average assets | 0.7278% | 2,170 |
| Noninterest expense to average assets | 3.7416% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.1235% | 260 |
| Return on assets (ROA) | 2.1271% | 261 |
| Pretax return on assets | 0.3110% | 5,681 |
| Return on Equity (ROE) | 39.0352% | 24 |
| Retained earnings to average equity (ytd only) | 39.0352% | 12 |
| Net charge-offs to loans | 0.6345% | 614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.7091% | 4,579 |
| Efficiency ratio | 92.4086% | 683 |
| Assets per employee ($millions) | 2.7481% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,375 |
| Loan loss allowance to noncurrent loans | 95.5094% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3408% | 1,006 |
| Noncurrent loans to loans | 1.5939% | 1,834 |
| Net loans and leases to total assets | 69.4958% | 2,314 |
| Net loans and leases to deposits | 79.1480% | 2,819 |
| Net loans and leases to core deposits | 79.6997% | 3,326 |
| Total domestic deposits to total assets | 87.8048% | 1,868 |
| Equity capital to assets | 7.3538% | 6,272 |
| Core capital (leverage) ratio | 5.7795% | 6,423 |
| Tier 1 risk-based capital ratio | 7.8213% | 6,447 |
| Total risk-based capital ratio | 9.0742% | 6,446 |
| Memoranda: | ||
| Average total assets | $191,948,600 | 3,085 |
| Average earning assets | $174,387,600 | 3,107 |
| Average equity | $10,459,800 | 4,665 |
| Average total loans | $131,124,600 | 2,851 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1024% | 3,362 |
| Cost of funding earning assets | 0.5013% | 2,742 |
| Net interest margin | 3.6011% | 3,422 |
| Noninterest income to average assets | 0.7295% | 2,188 |
| Noninterest expense to average assets | 3.6801% | 1,149 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3342% | 5,478 |
| Return on assets (ROA) | 0.3390% | 5,535 |
| Pretax return on assets | 0.3390% | 5,697 |
| Return on Equity (ROE) | 6.7837% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.7837% | 1,937 |
| Net charge-offs to loans | 0.8451% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5834% | 4,354 |
| Efficiency ratio | 91.6752% | 729 |
| Assets per employee ($millions) | 2.8714% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 2,574 |
| Loan loss allowance to noncurrent loans | 83.5941% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.3729% | 1,149 |
| Noncurrent loans to loans | 1.8322% | 1,749 |
| Net loans and leases to total assets | 67.0705% | 2,676 |
| Net loans and leases to deposits | 75.4285% | 3,252 |
| Net loans and leases to core deposits | 75.9318% | 3,748 |
| Total domestic deposits to total assets | 88.9194% | 1,289 |
| Equity capital to assets | 5.2245% | 6,518 |
| Core capital (leverage) ratio | 5.2233% | 6,519 |
| Tier 1 risk-based capital ratio | 7.6551% | 6,518 |
| Total risk-based capital ratio | 8.9079% | 6,520 |
| Memoranda: | ||
| Average total assets | $193,905,250 | 3,080 |
| Average earning assets | $176,866,500 | 3,106 |
| Average equity | $9,689,750 | 4,849 |
| Average total loans | $131,422,000 | 2,842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,177 |
| Cost of funding earning assets | 0.5070% | 2,763 |
| Net interest margin | 3.6368% | 3,203 |
| Noninterest income to average assets | 0.6930% | 2,317 |
| Noninterest expense to average assets | 3.6464% | 1,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3583% | 5,378 |
| Return on assets (ROA) | 0.3655% | 5,419 |
| Pretax return on assets | 0.3655% | 5,648 |
| Return on Equity (ROE) | 7.4226% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.4226% | 1,557 |
| Net charge-offs to loans | 0.1029% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.1471% | 2,981 |
| Efficiency ratio | 91.0532% | 829 |
| Assets per employee ($millions) | 2.9987% | 5,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0645% | 1,246 |
| Loan loss allowance to noncurrent loans | 101.1062% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6330% | 1,027 |
| Noncurrent loans to loans | 2.0420% | 1,646 |
| Net loans and leases to total assets | 65.7218% | 2,800 |
| Net loans and leases to deposits | 73.2858% | 3,422 |
| Net loans and leases to core deposits | 73.7487% | 3,865 |
| Total domestic deposits to total assets | 89.6788% | 981 |
| Equity capital to assets | 5.0047% | 6,587 |
| Core capital (leverage) ratio | 5.0879% | 6,584 |
| Tier 1 risk-based capital ratio | 7.2606% | 6,587 |
| Total risk-based capital ratio | 8.5197% | 6,586 |
| Memoranda: | ||
| Average total assets | $195,370,000 | 3,084 |
| Average earning assets | $177,906,000 | 3,103 |
| Average equity | $9,619,330 | 4,886 |
| Average total loans | $132,201,670 | 2,830 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1648% | 3,009 |
| Cost of funding earning assets | 0.5107% | 2,799 |
| Net interest margin | 3.6541% | 3,045 |
| Noninterest income to average assets | 0.6883% | 2,236 |
| Noninterest expense to average assets | 3.6600% | 1,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3606% | 5,272 |
| Return on assets (ROA) | 0.3751% | 5,277 |
| Pretax return on assets | 0.3751% | 5,526 |
| Return on Equity (ROE) | 7.6822% | 3,101 |
| Retained earnings to average equity (ytd only) | 7.6822% | 1,731 |
| Net charge-offs to loans | -0.7036% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0302% | 949 |
| Assets per employee ($millions) | 2.9914% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3046% | 1,021 |
| Loan loss allowance to noncurrent loans | 101.6372% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 2.7746% | 1,078 |
| Noncurrent loans to loans | 2.2675% | 1,587 |
| Net loans and leases to total assets | 65.3155% | 2,671 |
| Net loans and leases to deposits | 72.0854% | 3,328 |
| Net loans and leases to core deposits | 72.6544% | 3,802 |
| Total domestic deposits to total assets | 90.6085% | 737 |
| Equity capital to assets | 4.8538% | 6,646 |
| Core capital (leverage) ratio | 5.1243% | 6,639 |
| Tier 1 risk-based capital ratio | 7.2741% | 6,646 |
| Total risk-based capital ratio | 8.5365% | 6,645 |
| Memoranda: | ||
| Average total assets | $194,098,500 | 3,118 |
| Average earning assets | $177,007,500 | 3,137 |
| Average equity | $9,476,500 | 4,942 |
| Average total loans | $131,895,500 | 2,849 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 3,075 |
| Cost of funding earning assets | 0.5825% | 2,812 |
| Net interest margin | 3.6856% | 3,111 |
| Noninterest income to average assets | 0.7056% | 2,512 |
| Noninterest expense to average assets | 3.7283% | 1,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3420% | 5,370 |
| Return on assets (ROA) | 0.3425% | 5,477 |
| Pretax return on assets | 0.3425% | 5,622 |
| Return on Equity (ROE) | 7.1248% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.1248% | 1,390 |
| Net charge-offs to loans | 0.4386% | 1,516 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,682 |
| Efficiency ratio | 91.5972% | 903 |
| Assets per employee ($millions) | 3.1794% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1321% | 1,281 |
| Loan loss allowance to noncurrent loans | 94.2321% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.9041% | 1,100 |
| Noncurrent loans to loans | 2.2626% | 1,713 |
| Net loans and leases to total assets | 67.6148% | 2,418 |
| Net loans and leases to deposits | 74.7413% | 3,146 |
| Net loans and leases to core deposits | 75.3517% | 3,687 |
| Total domestic deposits to total assets | 90.4651% | 836 |
| Equity capital to assets | 4.9119% | 6,695 |
| Core capital (leverage) ratio | 5.2391% | 6,704 |
| Tier 1 risk-based capital ratio | 7.2228% | 6,724 |
| Total risk-based capital ratio | 8.4834% | 6,723 |
| Memoranda: | ||
| Average total assets | $194,432,800 | 3,091 |
| Average earning assets | $177,502,800 | 3,107 |
| Average equity | $9,347,600 | 5,008 |
| Average total loans | $130,653,200 | 2,850 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 3,053 |
| Cost of funding earning assets | 0.5999% | 2,809 |
| Net interest margin | 3.6873% | 3,079 |
| Noninterest income to average assets | 0.7453% | 2,384 |
| Noninterest expense to average assets | 3.7306% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3836% | 5,309 |
| Return on assets (ROA) | 0.3843% | 5,448 |
| Pretax return on assets | 0.3843% | 5,671 |
| Return on Equity (ROE) | 8.0352% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.0352% | 1,397 |
| Net charge-offs to loans | 0.5247% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.0955% | 4,480 |
| Efficiency ratio | 90.6768% | 938 |
| Assets per employee ($millions) | 2.7719% | 6,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,279 |
| Loan loss allowance to noncurrent loans | 88.9371% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 3.2321% | 1,100 |
| Noncurrent loans to loans | 2.5104% | 1,724 |
| Net loans and leases to total assets | 68.6955% | 2,200 |
| Net loans and leases to deposits | 76.5171% | 2,880 |
| Net loans and leases to core deposits | 77.1782% | 3,473 |
| Total domestic deposits to total assets | 89.7780% | 1,119 |
| Equity capital to assets | 5.1441% | 6,764 |
| Core capital (leverage) ratio | 5.0624% | 6,784 |
| Tier 1 risk-based capital ratio | 7.2010% | 6,795 |
| Total risk-based capital ratio | 8.4614% | 6,796 |
| Memoranda: | ||
| Average total assets | $195,350,250 | 3,106 |
| Average earning assets | $178,481,500 | 3,117 |
| Average equity | $9,342,000 | 5,065 |
| Average total loans | $130,368,000 | 2,869 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 3,060 |
| Cost of funding earning assets | 0.6155% | 2,801 |
| Net interest margin | 3.6590% | 3,139 |
| Noninterest income to average assets | 0.6547% | 2,888 |
| Noninterest expense to average assets | 3.6274% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3770% | 5,299 |
| Return on assets (ROA) | 0.3780% | 5,467 |
| Pretax return on assets | 0.3780% | 5,684 |
| Return on Equity (ROE) | 8.0910% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.0910% | 1,447 |
| Net charge-offs to loans | 0.1466% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.9167% | 3,270 |
| Efficiency ratio | 90.5859% | 1,020 |
| Assets per employee ($millions) | 2.8303% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5373% | 948 |
| Loan loss allowance to noncurrent loans | 105.6913% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 3.1330% | 1,270 |
| Noncurrent loans to loans | 2.4007% | 1,961 |
| Net loans and leases to total assets | 66.5823% | 2,489 |
| Net loans and leases to deposits | 74.3372% | 3,099 |
| Net loans and leases to core deposits | 74.9568% | 3,678 |
| Total domestic deposits to total assets | 89.5679% | 1,282 |
| Equity capital to assets | 4.8379% | 6,834 |
| Core capital (leverage) ratio | 4.8357% | 6,838 |
| Tier 1 risk-based capital ratio | 7.0014% | 6,845 |
| Total risk-based capital ratio | 8.2660% | 6,846 |
| Memoranda: | ||
| Average total assets | $199,484,330 | 3,076 |
| Average earning assets | $182,617,670 | 3,084 |
| Average equity | $9,319,000 | 5,102 |
| Average total loans | $130,975,000 | 2,861 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 3,376 |
| Cost of funding earning assets | 0.6266% | 2,865 |
| Net interest margin | 3.5552% | 3,456 |
| Noninterest income to average assets | 0.6771% | 2,711 |
| Noninterest expense to average assets | 3.5516% | 1,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3894% | 5,168 |
| Return on assets (ROA) | 0.3914% | 5,307 |
| Pretax return on assets | 0.3914% | 5,587 |
| Return on Equity (ROE) | 8.5183% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.5183% | 1,553 |
| Net charge-offs to loans | 0.2460% | 1,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.4568% | 3,027 |
| Efficiency ratio | 90.1192% | 1,140 |
| Assets per employee ($millions) | 3.1478% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5109% | 1,104 |
| Loan loss allowance to noncurrent loans | 100.8244% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 3.1153% | 1,421 |
| Noncurrent loans to loans | 2.4903% | 2,074 |
| Net loans and leases to total assets | 62.6604% | 2,941 |
| Net loans and leases to deposits | 69.4279% | 3,587 |
| Net loans and leases to core deposits | 69.8630% | 4,097 |
| Total domestic deposits to total assets | 90.2525% | 905 |
| Equity capital to assets | 4.6265% | 6,913 |
| Core capital (leverage) ratio | 4.5588% | 6,902 |
| Tier 1 risk-based capital ratio | 6.7617% | 6,908 |
| Total risk-based capital ratio | 8.0261% | 6,911 |
| Memoranda: | ||
| Average total assets | $204,413,000 | 3,045 |
| Average earning assets | $187,670,000 | 3,048 |
| Average equity | $9,391,500 | 5,136 |
| Average total loans | $131,690,000 | 2,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 3,058 |
| Cost of funding earning assets | 0.7630% | 2,986 |
| Net interest margin | 3.8229% | 3,135 |
| Noninterest income to average assets | 0.5827% | 3,379 |
| Noninterest expense to average assets | 3.6987% | 1,417 |
| Loan and lease loss provision to assets | 0.0359% | 5,441 |
| Net operating income to assets | 0.3481% | 5,302 |
| Return on assets (ROA) | 0.3586% | 5,483 |
| Pretax return on assets | 0.3586% | 5,686 |
| Return on Equity (ROE) | 8.3152% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.3152% | 1,026 |
| Net charge-offs to loans | 1.4264% | 642 |
| Credit loss provision to net charge-offs | 3.7651% | 5,460 |
| Earnings coverage of net charge-offs (x) | 0.4026% | 5,282 |
| Efficiency ratio | 90.5946% | 1,013 |
| Assets per employee ($millions) | 3.0032% | 6,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5654% | 1,050 |
| Loan loss allowance to noncurrent loans | 86.3892% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2920% | 1,398 |
| Noncurrent loans to loans | 2.9696% | 1,762 |
| Net loans and leases to total assets | 62.9165% | 3,071 |
| Net loans and leases to deposits | 69.7539% | 3,741 |
| Net loans and leases to core deposits | 70.0921% | 4,295 |
| Total domestic deposits to total assets | 90.1978% | 849 |
| Equity capital to assets | 4.5622% | 6,977 |
| Core capital (leverage) ratio | 4.5295% | 6,961 |
| Tier 1 risk-based capital ratio | 6.6115% | 6,971 |
| Total risk-based capital ratio | 7.8764% | 6,971 |
| Memoranda: | ||
| Average total assets | $208,858,200 | 2,939 |
| Average earning assets | $191,216,800 | 2,938 |
| Average equity | $9,007,600 | 5,225 |
| Average total loans | $139,656,400 | 2,718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 2,882 |
| Cost of funding earning assets | 0.7977% | 2,965 |
| Net interest margin | 3.8833% | 2,975 |
| Noninterest income to average assets | 0.4806% | 4,057 |
| Noninterest expense to average assets | 3.6060% | 1,550 |
| Loan and lease loss provision to assets | 0.0476% | 5,175 |
| Net operating income to assets | 0.3809% | 5,323 |
| Return on assets (ROA) | 0.3828% | 5,532 |
| Pretax return on assets | 0.3828% | 5,754 |
| Return on Equity (ROE) | 9.0029% | 2,798 |
| Retained earnings to average equity (ytd only) | 9.0029% | 1,230 |
| Net charge-offs to loans | 1.6675% | 495 |
| Credit loss provision to net charge-offs | 4.2349% | 5,137 |
| Earnings coverage of net charge-offs (x) | 0.3811% | 5,139 |
| Efficiency ratio | 89.3784% | 1,077 |
| Assets per employee ($millions) | 3.1470% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 943 |
| Loan loss allowance to noncurrent loans | 75.0781% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 3.7520% | 1,318 |
| Noncurrent loans to loans | 3.6558% | 1,471 |
| Net loans and leases to total assets | 61.4660% | 3,483 |
| Net loans and leases to deposits | 67.4272% | 4,268 |
| Net loans and leases to core deposits | 67.7489% | 4,751 |
| Total domestic deposits to total assets | 91.1591% | 370 |
| Equity capital to assets | 4.4631% | 7,079 |
| Core capital (leverage) ratio | 4.2456% | 7,076 |
| Tier 1 risk-based capital ratio | 6.5293% | 7,071 |
| Total risk-based capital ratio | 7.7966% | 7,070 |
| Memoranda: | ||
| Average total assets | $210,017,750 | 2,961 |
| Average earning assets | $192,204,500 | 2,963 |
| Average equity | $8,930,250 | 5,287 |
| Average total loans | $141,602,750 | 2,735 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7966% | 2,524 |
| Cost of funding earning assets | 0.8300% | 2,949 |
| Net interest margin | 3.9666% | 2,649 |
| Noninterest income to average assets | 0.6234% | 3,110 |
| Noninterest expense to average assets | 3.7137% | 1,348 |
| Loan and lease loss provision to assets | 0.0712% | 4,738 |
| Net operating income to assets | 0.4659% | 4,972 |
| Return on assets (ROA) | 0.4687% | 5,203 |
| Pretax return on assets | 0.4687% | 5,521 |
| Return on Equity (ROE) | 11.2056% | 1,915 |
| Retained earnings to average equity (ytd only) | 11.2056% | 710 |
| Net charge-offs to loans | 1.4533% | 693 |
| Credit loss provision to net charge-offs | 7.1157% | 4,765 |
| Earnings coverage of net charge-offs (x) | 0.5370% | 4,801 |
| Efficiency ratio | 87.3661% | 1,303 |
| Assets per employee ($millions) | 3.2434% | 5,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1211% | 698 |
| Loan loss allowance to noncurrent loans | 73.5615% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 4.5172% | 1,098 |
| Noncurrent loans to loans | 4.2429% | 1,277 |
| Net loans and leases to total assets | 65.6397% | 2,744 |
| Net loans and leases to deposits | 73.0239% | 3,456 |
| Net loans and leases to core deposits | 73.3823% | 4,114 |
| Total domestic deposits to total assets | 89.8880% | 988 |
| Equity capital to assets | 4.4638% | 7,119 |
| Core capital (leverage) ratio | 4.1961% | 7,119 |
| Tier 1 risk-based capital ratio | 6.1237% | 7,123 |
| Total risk-based capital ratio | 7.3956% | 7,123 |
| Memoranda: | ||
| Average total assets | $210,788,670 | 2,960 |
| Average earning assets | $192,760,330 | 2,963 |
| Average equity | $8,817,000 | 5,315 |
| Average total loans | $145,046,670 | 2,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7710% | 2,757 |
| Cost of funding earning assets | 0.8612% | 2,987 |
| Net interest margin | 3.9099% | 2,884 |
| Noninterest income to average assets | 0.3607% | 4,995 |
| Noninterest expense to average assets | 3.6894% | 1,393 |
| Loan and lease loss provision to assets | 0.1402% | 3,602 |
| Net operating income to assets | 0.1121% | 6,215 |
| Return on assets (ROA) | 0.1177% | 6,329 |
| Pretax return on assets | 0.1177% | 6,355 |
| Return on Equity (ROE) | 2.9083% | 5,749 |
| Retained earnings to average equity (ytd only) | 2.9083% | 4,799 |
| Net charge-offs to loans | 2.5373% | 321 |
| Credit loss provision to net charge-offs | 7.9702% | 3,930 |
| Earnings coverage of net charge-offs (x) | 0.1435% | 4,296 |
| Efficiency ratio | 93.5989% | 843 |
| Assets per employee ($millions) | 3.4283% | 5,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1335% | 732 |
| Loan loss allowance to noncurrent loans | 63.2164% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 4.6060% | 1,157 |
| Noncurrent loans to loans | 4.9568% | 1,141 |
| Net loans and leases to total assets | 62.4709% | 3,159 |
| Net loans and leases to deposits | 68.4529% | 3,985 |
| Net loans and leases to core deposits | 69.9751% | 4,420 |
| Total domestic deposits to total assets | 91.2611% | 449 |
| Equity capital to assets | 3.9542% | 7,191 |
| Core capital (leverage) ratio | 3.8908% | 7,187 |
| Tier 1 risk-based capital ratio | 5.6092% | 7,185 |
| Total risk-based capital ratio | 6.8806% | 7,185 |
| Memoranda: | ||
| Average total assets | $214,017,000 | 2,956 |
| Average earning assets | $196,016,500 | 2,947 |
| Average equity | $8,665,000 | 5,375 |
| Average total loans | $148,348,000 | 2,656 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 2,029 |
| Cost of funding earning assets | 1.4036% | 1,020 |
| Net interest margin | 3.8029% | 3,801 |
| Noninterest income to average assets | 0.3615% | 4,928 |
| Noninterest expense to average assets | 3.6745% | 1,583 |
| Loan and lease loss provision to assets | 1.0977% | 823 |
| Net operating income to assets | -0.8709% | 6,684 |
| Return on assets (ROA) | -0.8697% | 6,711 |
| Pretax return on assets | -0.9156% | 6,699 |
| Return on Equity (ROE) | -20.6250% | 6,989 |
| Retained earnings to average equity (ytd only) | -20.6250% | 6,973 |
| Net charge-offs to loans | 1.2203% | 1,376 |
| Credit loss provision to net charge-offs | 125.7085% | 2,486 |
| Earnings coverage of net charge-offs (x) | 0.2070% | 5,677 |
| Efficiency ratio | 95.3118% | 854 |
| Assets per employee ($millions) | 3.1138% | 5,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4144% | 570 |
| Loan loss allowance to noncurrent loans | 78.6902% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 4.7986% | 1,130 |
| Noncurrent loans to loans | 4.3391% | 1,397 |
| Net loans and leases to total assets | 71.8497% | 1,672 |
| Net loans and leases to deposits | 78.2313% | 2,799 |
| Net loans and leases to core deposits | 80.9862% | 3,319 |
| Total domestic deposits to total assets | 91.8427% | 258 |
| Equity capital to assets | 4.1482% | 7,217 |
| Core capital (leverage) ratio | 3.7856% | 7,228 |
| Tier 1 risk-based capital ratio | 5.1214% | 7,241 |
| Total risk-based capital ratio | 6.3964% | 7,242 |
| Memoranda: | ||
| Average total assets | $226,288,200 | 2,770 |
| Average earning assets | $207,894,200 | 2,754 |
| Average equity | $9,541,800 | 5,141 |
| Average total loans | $161,922,200 | 2,476 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 2,325 |
| Cost of funding earning assets | 1.4802% | 929 |
| Net interest margin | 3.6857% | 4,400 |
| Noninterest income to average assets | 0.2237% | 6,014 |
| Noninterest expense to average assets | 3.6230% | 1,663 |
| Loan and lease loss provision to assets | 0.8941% | 1,009 |
| Net operating income to assets | -0.9045% | 6,844 |
| Return on assets (ROA) | -0.9027% | 6,880 |
| Pretax return on assets | -0.9027% | 6,832 |
| Return on Equity (ROE) | -21.3300% | 7,108 |
| Retained earnings to average equity (ytd only) | -21.3300% | 7,095 |
| Net charge-offs to loans | 1.1263% | 1,409 |
| Credit loss provision to net charge-offs | 111.9392% | 2,927 |
| Earnings coverage of net charge-offs (x) | -0.0130% | 5,612 |
| Efficiency ratio | 100.2880% | 651 |
| Assets per employee ($millions) | 3.2169% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0942% | 805 |
| Loan loss allowance to noncurrent loans | 60.3997% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 4.9883% | 1,156 |
| Noncurrent loans to loans | 5.1229% | 1,196 |
| Net loans and leases to total assets | 70.9684% | 1,907 |
| Net loans and leases to deposits | 77.8567% | 3,025 |
| Net loans and leases to core deposits | 84.4433% | 2,995 |
| Total domestic deposits to total assets | 91.1525% | 389 |
| Equity capital to assets | 4.1760% | 7,313 |
| Core capital (leverage) ratio | 3.7829% | 7,313 |
| Tier 1 risk-based capital ratio | 5.1860% | 7,318 |
| Total risk-based capital ratio | 6.4573% | 7,318 |
| Memoranda: | ||
| Average total assets | $230,704,500 | 2,724 |
| Average earning assets | $212,127,750 | 2,715 |
| Average equity | $9,763,750 | 5,103 |
| Average total loans | $163,604,250 | 2,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1397% | 2,516 |
| Cost of funding earning assets | 1.4899% | 1,035 |
| Net interest margin | 3.6498% | 4,523 |
| Noninterest income to average assets | 0.3980% | 4,694 |
| Noninterest expense to average assets | 3.5792% | 1,789 |
| Loan and lease loss provision to assets | 1.0243% | 842 |
| Net operating income to assets | -0.8488% | 6,892 |
| Return on assets (ROA) | -0.8488% | 6,894 |
| Pretax return on assets | -0.8488% | 6,843 |
| Return on Equity (ROE) | -19.9733% | 7,151 |
| Retained earnings to average equity (ytd only) | -19.9733% | 7,135 |
| Net charge-offs to loans | 1.2857% | 1,205 |
| Credit loss provision to net charge-offs | 113.5033% | 2,698 |
| Earnings coverage of net charge-offs (x) | 0.1945% | 5,163 |
| Efficiency ratio | 95.3246% | 911 |
| Assets per employee ($millions) | 3.1515% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0360% | 861 |
| Loan loss allowance to noncurrent loans | 59.9247% | 4,453 |
| Noncurrent assets plus other real estate owned to assets | 5.1592% | 1,182 |
| Noncurrent loans to loans | 5.0664% | 1,286 |
| Net loans and leases to total assets | 70.4535% | 2,125 |
| Net loans and leases to deposits | 77.7640% | 3,161 |
| Net loans and leases to core deposits | 91.0253% | 2,252 |
| Total domestic deposits to total assets | 90.5991% | 679 |
| Equity capital to assets | 4.3127% | 7,370 |
| Core capital (leverage) ratio | 3.9760% | 7,376 |
| Tier 1 risk-based capital ratio | 5.3914% | 7,386 |
| Total risk-based capital ratio | 6.6614% | 7,388 |
| Memoranda: | ||
| Average total assets | $234,689,000 | 2,707 |
| Average earning assets | $215,849,000 | 2,696 |
| Average equity | $9,973,330 | 5,056 |
| Average total loans | $164,738,670 | 2,473 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 2,857 |
| Cost of funding earning assets | 1.4866% | 1,225 |
| Net interest margin | 3.5631% | 4,757 |
| Noninterest income to average assets | 0.5830% | 3,287 |
| Noninterest expense to average assets | 3.7009% | 1,534 |
| Loan and lease loss provision to assets | 1.1742% | 601 |
| Net operating income to assets | -1.0027% | 7,049 |
| Return on assets (ROA) | -1.0027% | 7,051 |
| Pretax return on assets | -1.0027% | 7,000 |
| Return on Equity (ROE) | -23.7593% | 7,264 |
| Retained earnings to average equity (ytd only) | -23.7593% | 7,220 |
| Net charge-offs to loans | 0.5814% | 2,036 |
| Credit loss provision to net charge-offs | 292.5311% | 1,100 |
| Earnings coverage of net charge-offs (x) | 0.4274% | 4,301 |
| Efficiency ratio | 95.5699% | 947 |
| Assets per employee ($millions) | 3.4627% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1830% | 776 |
| Loan loss allowance to noncurrent loans | 65.3244% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 4.9173% | 1,285 |
| Noncurrent loans to loans | 4.8726% | 1,391 |
| Net loans and leases to total assets | 65.9567% | 3,022 |
| Net loans and leases to deposits | 71.5043% | 4,136 |
| Net loans and leases to core deposits | 86.1250% | 2,858 |
| Total domestic deposits to total assets | 92.2415% | 229 |
| Equity capital to assets | 4.0633% | 7,437 |
| Core capital (leverage) ratio | 4.0293% | 7,433 |
| Tier 1 risk-based capital ratio | 5.5682% | 7,435 |
| Total risk-based capital ratio | 6.8401% | 7,437 |
| Memoranda: | ||
| Average total assets | $240,155,500 | 2,665 |
| Average earning assets | $221,717,500 | 2,642 |
| Average equity | $10,135,000 | 5,009 |
| Average total loans | $165,818,000 | 2,488 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3520% | 2,887 |
| Cost of funding earning assets | 2.0633% | 485 |
| Net interest margin | 3.2887% | 6,016 |
| Noninterest income to average assets | -0.4430% | 7,554 |
| Noninterest expense to average assets | 3.4718% | 2,247 |
| Loan and lease loss provision to assets | 2.4422% | 465 |
| Net operating income to assets | -3.3721% | 7,354 |
| Return on assets (ROA) | -3.3397% | 7,367 |
| Pretax return on assets | -3.3397% | 7,346 |
| Return on Equity (ROE) | -51.9594% | 7,433 |
| Retained earnings to average equity (ytd only) | -51.9594% | 7,430 |
| Net charge-offs to loans | 2.8370% | 615 |
| Credit loss provision to net charge-offs | 120.1396% | 3,516 |
| Earnings coverage of net charge-offs (x) | -0.4574% | 6,433 |
| Efficiency ratio | 136.5811% | 274 |
| Assets per employee ($millions) | 3.3989% | 5,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8780% | 973 |
| Loan loss allowance to noncurrent loans | 58.1060% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 4.8882% | 1,323 |
| Noncurrent loans to loans | 4.9529% | 1,367 |
| Net loans and leases to total assets | 67.9703% | 2,992 |
| Net loans and leases to deposits | 73.6957% | 4,245 |
| Net loans and leases to core deposits | 91.1348% | 2,601 |
| Total domestic deposits to total assets | 92.2310% | 231 |
| Equity capital to assets | 4.3800% | 7,487 |
| Core capital (leverage) ratio | 4.2524% | 7,480 |
| Tier 1 risk-based capital ratio | 5.7884% | 7,487 |
| Total risk-based capital ratio | 7.0562% | 7,492 |
| Memoranda: | ||
| Average total assets | $246,700,600 | 2,580 |
| Average earning assets | $223,917,200 | 2,585 |
| Average equity | $15,856,600 | 3,797 |
| Average total loans | $176,772,800 | 2,391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 2,897 |
| Cost of funding earning assets | 2.1586% | 436 |
| Net interest margin | 3.2392% | 6,211 |
| Noninterest income to average assets | -0.4489% | 7,668 |
| Noninterest expense to average assets | 3.3813% | 2,354 |
| Loan and lease loss provision to assets | 1.8133% | 688 |
| Net operating income to assets | -2.7159% | 7,394 |
| Return on assets (ROA) | -2.6731% | 7,406 |
| Pretax return on assets | -2.6731% | 7,355 |
| Return on Equity (ROE) | -38.6464% | 7,478 |
| Retained earnings to average equity (ytd only) | -38.6464% | 7,475 |
| Net charge-offs to loans | 1.9501% | 976 |
| Credit loss provision to net charge-offs | 129.0507% | 3,147 |
| Earnings coverage of net charge-offs (x) | -0.6424% | 6,370 |
| Efficiency ratio | 136.4167% | 266 |
| Assets per employee ($millions) | 3.4950% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6469% | 1,146 |
| Loan loss allowance to noncurrent loans | 52.1041% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 5.8006% | 1,045 |
| Noncurrent loans to loans | 5.0800% | 1,355 |
| Net loans and leases to total assets | 67.3508% | 3,364 |
| Net loans and leases to deposits | 74.7905% | 4,381 |
| Net loans and leases to core deposits | 102.1090% | 1,643 |
| Total domestic deposits to total assets | 90.0527% | 851 |
| Equity capital to assets | 5.6704% | 7,520 |
| Core capital (leverage) ratio | 5.1964% | 7,532 |
| Tier 1 risk-based capital ratio | 7.2509% | 7,534 |
| Total risk-based capital ratio | 8.5164% | 7,536 |
| Memoranda: | ||
| Average total assets | $248,895,750 | 2,585 |
| Average earning assets | $224,950,250 | 2,607 |
| Average equity | $17,215,500 | 3,603 |
| Average total loans | $179,339,250 | 2,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 2,838 |
| Cost of funding earning assets | 2.1567% | 539 |
| Net interest margin | 3.2738% | 6,098 |
| Noninterest income to average assets | 0.3042% | 5,725 |
| Noninterest expense to average assets | 3.2359% | 2,780 |
| Loan and lease loss provision to assets | 1.0933% | 1,314 |
| Net operating income to assets | -1.0725% | 6,977 |
| Return on assets (ROA) | -1.0082% | 6,969 |
| Pretax return on assets | -1.0082% | 6,894 |
| Return on Equity (ROE) | -13.7541% | 7,101 |
| Retained earnings to average equity (ytd only) | -13.7541% | 7,062 |
| Net charge-offs to loans | 2.2057% | 810 |
| Credit loss provision to net charge-offs | 67.8963% | 5,025 |
| Earnings coverage of net charge-offs (x) | 0.0130% | 5,703 |
| Efficiency ratio | 99.3591% | 826 |
| Assets per employee ($millions) | 3.6877% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,930 |
| Loan loss allowance to noncurrent loans | 39.5413% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 5.6427% | 1,077 |
| Noncurrent loans to loans | 4.4053% | 1,662 |
| Net loans and leases to total assets | 67.6055% | 3,471 |
| Net loans and leases to deposits | 77.0109% | 4,156 |
| Net loans and leases to core deposits | 105.7990% | 1,467 |
| Total domestic deposits to total assets | 87.7869% | 2,116 |
| Equity capital to assets | 6.7568% | 7,423 |
| Core capital (leverage) ratio | 6.7707% | 7,296 |
| Tier 1 risk-based capital ratio | 8.7163% | 7,459 |
| Total risk-based capital ratio | 9.9704% | 7,473 |
| Memoranda: | ||
| Average total assets | $249,145,330 | 2,609 |
| Average earning assets | $224,695,670 | 2,629 |
| Average equity | $18,263,670 | 3,422 |
| Average total loans | $181,894,670 | 2,405 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 2,472 |
| Cost of funding earning assets | 2.2188% | 557 |
| Net interest margin | 3.3081% | 5,940 |
| Noninterest income to average assets | 0.6079% | 3,227 |
| Noninterest expense to average assets | 3.2635% | 2,662 |
| Loan and lease loss provision to assets | 0.8715% | 1,466 |
| Net operating income to assets | -0.5453% | 6,862 |
| Return on assets (ROA) | -0.4135% | 6,803 |
| Pretax return on assets | -0.4135% | 6,726 |
| Return on Equity (ROE) | -5.4124% | 6,908 |
| Retained earnings to average equity (ytd only) | -5.4124% | 6,621 |
| Net charge-offs to loans | 2.1754% | 782 |
| Credit loss provision to net charge-offs | 53.2193% | 4,432 |
| Earnings coverage of net charge-offs (x) | 0.1992% | 4,862 |
| Efficiency ratio | 90.9133% | 1,361 |
| Assets per employee ($millions) | 3.6777% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8309% | 2,635 |
| Loan loss allowance to noncurrent loans | 37.6874% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 6.1601% | 951 |
| Noncurrent loans to loans | 4.8582% | 1,506 |
| Net loans and leases to total assets | 70.1057% | 2,907 |
| Net loans and leases to deposits | 80.3611% | 3,587 |
| Net loans and leases to core deposits | 115.2731% | 982 |
| Total domestic deposits to total assets | 87.2384% | 2,513 |
| Equity capital to assets | 7.2623% | 7,236 |
| Core capital (leverage) ratio | 7.5585% | 6,784 |
| Tier 1 risk-based capital ratio | 9.1433% | 7,446 |
| Total risk-based capital ratio | 10.3984% | 7,455 |
| Memoranda: | ||
| Average total assets | $242,805,500 | 2,733 |
| Average earning assets | $218,860,000 | 2,752 |
| Average equity | $18,550,000 | 3,388 |
| Average total loans | $182,769,000 | 2,455 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9669% | 2,001 |
| Cost of funding earning assets | 2.7645% | 495 |
| Net interest margin | 3.2024% | 6,086 |
| Noninterest income to average assets | -0.0844% | 7,795 |
| Noninterest expense to average assets | 3.5197% | 2,331 |
| Loan and lease loss provision to assets | 1.0476% | 2,189 |
| Net operating income to assets | -1.8306% | 7,023 |
| Return on assets (ROA) | -1.7225% | 6,979 |
| Pretax return on assets | -1.6795% | 6,803 |
| Return on Equity (ROE) | -19.8902% | 7,141 |
| Retained earnings to average equity (ytd only) | -19.8902% | 7,104 |
| Net charge-offs to loans | 1.6293% | 1,554 |
| Credit loss provision to net charge-offs | 82.0900% | 6,244 |
| Earnings coverage of net charge-offs (x) | -0.5798% | 6,741 |
| Efficiency ratio | 126.6185% | 506 |
| Assets per employee ($millions) | 3.2655% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 1,907 |
| Loan loss allowance to noncurrent loans | 41.5604% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 6.7030% | 785 |
| Noncurrent loans to loans | 4.9371% | 1,378 |
| Net loans and leases to total assets | 77.8680% | 1,415 |
| Net loans and leases to deposits | 90.4277% | 2,154 |
| Net loans and leases to core deposits | 107.2295% | 3,186 |
| Total domestic deposits to total assets | 86.1108% | 2,959 |
| Equity capital to assets | 8.0531% | 6,524 |
| Core capital (leverage) ratio | 7.7862% | 6,469 |
| Tier 1 risk-based capital ratio | 9.1506% | 7,397 |
| Total risk-based capital ratio | 10.4085% | 7,407 |
| Memoranda: | ||
| Average total assets | $248,940,200 | 2,617 |
| Average earning assets | $222,645,200 | 2,672 |
| Average equity | $21,558,400 | 3,006 |
| Average total loans | $194,986,400 | 2,338 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9780% | 2,120 |
| Cost of funding earning assets | 2.8655% | 510 |
| Net interest margin | 3.1125% | 6,277 |
| Noninterest income to average assets | 0.7187% | 2,892 |
| Noninterest expense to average assets | 3.5226% | 2,222 |
| Loan and lease loss provision to assets | 0.4860% | 3,473 |
| Net operating income to assets | -1.0231% | 6,855 |
| Return on assets (ROA) | -0.8793% | 6,745 |
| Pretax return on assets | -0.3665% | 6,158 |
| Return on Equity (ROE) | -9.9936% | 6,894 |
| Retained earnings to average equity (ytd only) | -9.9936% | 6,804 |
| Net charge-offs to loans | 1.6756% | 1,211 |
| Credit loss provision to net charge-offs | 37.1578% | 6,449 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 6,089 |
| Efficiency ratio | 100.6924% | 1,027 |
| Assets per employee ($millions) | 3.3561% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 3,577 |
| Loan loss allowance to noncurrent loans | 33.4292% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 6.1538% | 857 |
| Noncurrent loans to loans | 4.4083% | 1,599 |
| Net loans and leases to total assets | 77.1961% | 1,741 |
| Net loans and leases to deposits | 91.1804% | 2,366 |
| Net loans and leases to core deposits | 110.4581% | 3,184 |
| Total domestic deposits to total assets | 84.6630% | 3,398 |
| Equity capital to assets | 8.8525% | 5,705 |
| Core capital (leverage) ratio | 8.2862% | 5,858 |
| Tier 1 risk-based capital ratio | 10.1524% | 6,829 |
| Total risk-based capital ratio | 11.4037% | 6,768 |
| Memoranda: | ||
| Average total assets | $253,212,750 | 2,590 |
| Average earning assets | $226,134,000 | 2,660 |
| Average equity | $22,280,250 | 2,936 |
| Average total loans | $197,653,250 | 2,344 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9357% | 2,433 |
| Cost of funding earning assets | 2.9687% | 511 |
| Net interest margin | 2.9670% | 6,638 |
| Noninterest income to average assets | 0.7399% | 2,758 |
| Noninterest expense to average assets | 3.4590% | 2,464 |
| Loan and lease loss provision to assets | 0.3719% | 3,696 |
| Net operating income to assets | -1.2067% | 7,113 |
| Return on assets (ROA) | -0.9943% | 6,983 |
| Pretax return on assets | -0.2365% | 6,162 |
| Return on Equity (ROE) | -11.3214% | 7,131 |
| Retained earnings to average equity (ytd only) | -11.3214% | 6,994 |
| Net charge-offs to loans | 2.2661% | 792 |
| Credit loss provision to net charge-offs | 21.0480% | 6,116 |
| Earnings coverage of net charge-offs (x) | -0.0436% | 5,743 |
| Efficiency ratio | 102.2774% | 1,081 |
| Assets per employee ($millions) | 3.4513% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 4,226 |
| Loan loss allowance to noncurrent loans | 39.4056% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 5.3260% | 958 |
| Noncurrent loans to loans | 3.3199% | 2,124 |
| Net loans and leases to total assets | 77.6871% | 1,822 |
| Net loans and leases to deposits | 90.7561% | 2,708 |
| Net loans and leases to core deposits | 108.7667% | 3,518 |
| Total domestic deposits to total assets | 85.5998% | 2,961 |
| Equity capital to assets | 8.6766% | 5,789 |
| Core capital (leverage) ratio | 8.3060% | 5,787 |
| Tier 1 risk-based capital ratio | 9.9983% | 6,930 |
| Total risk-based capital ratio | 11.1881% | 6,924 |
| Memoranda: | ||
| Average total assets | $257,071,000 | 2,564 |
| Average earning assets | $228,918,670 | 2,643 |
| Average equity | $22,576,670 | 2,904 |
| Average total loans | $200,429,330 | 2,351 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9314% | 2,644 |
| Cost of funding earning assets | 3.0546% | 521 |
| Net interest margin | 2.8768% | 6,811 |
| Noninterest income to average assets | 0.6795% | 3,007 |
| Noninterest expense to average assets | 3.3395% | 2,538 |
| Loan and lease loss provision to assets | 0.5326% | 2,339 |
| Net operating income to assets | -0.3789% | 6,761 |
| Return on assets (ROA) | -0.2525% | 6,699 |
| Pretax return on assets | -0.4438% | 6,778 |
| Return on Equity (ROE) | -2.8591% | 6,760 |
| Retained earnings to average equity (ytd only) | -2.8591% | 6,252 |
| Net charge-offs to loans | 3.8651% | 316 |
| Credit loss provision to net charge-offs | 17.7551% | 5,097 |
| Earnings coverage of net charge-offs (x) | -0.0362% | 5,012 |
| Efficiency ratio | 103.3633% | 1,004 |
| Assets per employee ($millions) | 3.6091% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 3,600 |
| Loan loss allowance to noncurrent loans | 45.7109% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 4.5875% | 1,037 |
| Noncurrent loans to loans | 3.0237% | 2,162 |
| Net loans and leases to total assets | 73.1752% | 2,969 |
| Net loans and leases to deposits | 84.2724% | 3,935 |
| Net loans and leases to core deposits | 104.3986% | 4,095 |
| Total domestic deposits to total assets | 86.8317% | 2,303 |
| Equity capital to assets | 8.5991% | 5,917 |
| Core capital (leverage) ratio | 8.3489% | 5,816 |
| Tier 1 risk-based capital ratio | 9.8273% | 7,111 |
| Total risk-based capital ratio | 11.0771% | 7,024 |
| Memoranda: | ||
| Average total assets | $261,358,000 | 2,536 |
| Average earning assets | $231,785,000 | 2,623 |
| Average equity | $23,084,500 | 2,872 |
| Average total loans | $202,839,500 | 2,333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5435% | 2,746 |
| Cost of funding earning assets | 3.5363% | 473 |
| Net interest margin | 3.0073% | 6,890 |
| Noninterest income to average assets | 0.7959% | 2,540 |
| Noninterest expense to average assets | 3.1452% | 3,532 |
| Loan and lease loss provision to assets | 0.7312% | 2,023 |
| Net operating income to assets | -0.1888% | 6,612 |
| Return on assets (ROA) | -0.1888% | 6,457 |
| Pretax return on assets | -0.3201% | 6,482 |
| Return on Equity (ROE) | -2.1334% | 6,528 |
| Retained earnings to average equity (ytd only) | -2.1334% | 5,910 |
| Net charge-offs to loans | 0.5419% | 2,199 |
| Credit loss provision to net charge-offs | 162.5418% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.9139% | 5,677 |
| Efficiency ratio | 88.4400% | 1,639 |
| Assets per employee ($millions) | 3.4086% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0968% | 1,079 |
| Loan loss allowance to noncurrent loans | 74.2491% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 4.5939% | 809 |
| Noncurrent loans to loans | 2.8240% | 1,919 |
| Net loans and leases to total assets | 79.4693% | 1,783 |
| Net loans and leases to deposits | 92.2854% | 3,083 |
| Net loans and leases to core deposits | 110.9039% | 3,698 |
| Total domestic deposits to total assets | 86.1126% | 2,352 |
| Equity capital to assets | 9.0764% | 5,260 |
| Core capital (leverage) ratio | 8.3037% | 5,944 |
| Tier 1 risk-based capital ratio | 9.7027% | 7,079 |
| Total risk-based capital ratio | 10.9614% | 6,974 |
| Memoranda: | ||
| Average total assets | $265,865,800 | 2,417 |
| Average earning assets | $244,042,200 | 2,417 |
| Average equity | $23,530,800 | 2,783 |
| Average total loans | $220,721,200 | 2,118 |