Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 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 | 4.0924% | 3,259 |
| Cost of funding earning assets | 0.3372% | 4,086 |
| Net interest margin | 3.7551% | 2,594 |
| Noninterest income to average assets | 0.1446% | 5,147 |
| Noninterest expense to average assets | 2.6189% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6949% | 4,116 |
| Return on assets (ROA) | 0.6949% | 4,124 |
| Pretax return on assets | 0.8355% | 4,067 |
| Return on Equity (ROE) | 5.5058% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.1373% | 3,545 |
| Net charge-offs to loans | -0.1602% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8140% | 1,617 |
| Assets per employee ($millions) | 6.4859% | 1,211 |
| Cash dividends to net income (ytd only)* | 24.8555% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 1,337 |
| Loan loss allowance to noncurrent loans | 191.2811% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 2.0136% | 565 |
| Noncurrent loans to loans | 0.8020% | 2,208 |
| Net loans and leases to total assets | 70.9186% | 2,340 |
| Net loans and leases to deposits | 82.7856% | 2,520 |
| Net loans and leases to core deposits | 87.9288% | 2,636 |
| Total domestic deposits to total assets | 85.6654% | 2,686 |
| Equity capital to assets | 12.9100% | 1,292 |
| Core capital (leverage) ratio | 11.8505% | 1,748 |
| Tier 1 risk-based capital ratio | 17.8036% | 1,890 |
| Total risk-based capital ratio | 19.0591% | 1,836 |
| Memoranda: | ||
| Average total assets | $99,584,000 | 4,227 |
| Average earning assets | $87,773,500 | 4,307 |
| Average equity | $12,568,500 | 4,037 |
| Average total loans | $72,417,500 | 3,923 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 3,176 |
| Cost of funding earning assets | 0.3655% | 3,559 |
| Net interest margin | 3.7028% | 2,783 |
| Noninterest income to average assets | 0.3664% | 3,846 |
| Noninterest expense to average assets | 2.6640% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1650% | 5,172 |
| Return on assets (ROA) | 0.1911% | 5,144 |
| Pretax return on assets | 0.9758% | 3,655 |
| Return on Equity (ROE) | 1.6198% | 5,131 |
| Retained earnings to average equity (ytd only) | 1.6198% | 4,334 |
| Net charge-offs to loans | -0.0946% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0206% | 1,891 |
| Assets per employee ($millions) | 6.3674% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 1,773 |
| Loan loss allowance to noncurrent loans | 202.7132% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 2.0505% | 541 |
| Noncurrent loans to loans | 0.6902% | 2,491 |
| Net loans and leases to total assets | 72.3584% | 2,169 |
| Net loans and leases to deposits | 85.4969% | 2,325 |
| Net loans and leases to core deposits | 91.1731% | 2,441 |
| Total domestic deposits to total assets | 84.6328% | 2,984 |
| Equity capital to assets | 12.3450% | 1,616 |
| Core capital (leverage) ratio | 11.1362% | 2,209 |
| Tier 1 risk-based capital ratio | 16.6607% | 2,211 |
| Total risk-based capital ratio | 17.9167% | 2,158 |
| Memoranda: | ||
| Average total assets | $107,809,200 | 4,103 |
| Average earning assets | $94,116,800 | 4,197 |
| Average equity | $12,717,400 | 4,029 |
| Average total loans | $74,032,600 | 3,867 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 3,239 |
| Cost of funding earning assets | 0.3660% | 3,500 |
| Net interest margin | 3.6656% | 2,887 |
| Noninterest income to average assets | 0.3696% | 3,881 |
| Noninterest expense to average assets | 2.6814% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6510% | 4,187 |
| Return on assets (ROA) | 0.6880% | 4,103 |
| Pretax return on assets | 0.9272% | 3,942 |
| Return on Equity (ROE) | 5.8967% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.8967% | 2,310 |
| Net charge-offs to loans | -0.1498% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3514% | 1,685 |
| Assets per employee ($millions) | 6.7008% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,757 |
| Loan loss allowance to noncurrent loans | 488.0184% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6696% | 867 |
| Noncurrent loans to loans | 0.2942% | 3,886 |
| Net loans and leases to total assets | 67.8124% | 2,866 |
| Net loans and leases to deposits | 82.0409% | 2,772 |
| Net loans and leases to core deposits | 87.3530% | 2,840 |
| Total domestic deposits to total assets | 82.6568% | 3,567 |
| Equity capital to assets | 12.1824% | 1,848 |
| Core capital (leverage) ratio | 10.9813% | 2,480 |
| Tier 1 risk-based capital ratio | 16.2619% | 2,396 |
| Total risk-based capital ratio | 17.5199% | 2,349 |
| Memoranda: | ||
| Average total assets | $109,291,750 | 4,114 |
| Average earning assets | $95,079,500 | 4,218 |
| Average equity | $12,752,500 | 4,055 |
| Average total loans | $73,849,750 | 3,909 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9823% | 3,271 |
| Cost of funding earning assets | 0.3653% | 3,425 |
| Net interest margin | 3.6170% | 2,965 |
| Noninterest income to average assets | 0.3819% | 3,817 |
| Noninterest expense to average assets | 2.6513% | 3,263 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6526% | 4,066 |
| Return on assets (ROA) | 0.6728% | 4,029 |
| Pretax return on assets | 0.9092% | 3,900 |
| Return on Equity (ROE) | 5.8500% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8500% | 2,199 |
| Net charge-offs to loans | -0.1326% | 5,492 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0386% | 1,852 |
| Assets per employee ($millions) | 5.9262% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,175 |
| Loan loss allowance to noncurrent loans | 152.7571% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 2.1037% | 584 |
| Noncurrent loans to loans | 0.8835% | 2,210 |
| Net loans and leases to total assets | 70.2412% | 2,491 |
| Net loans and leases to deposits | 85.7524% | 2,250 |
| Net loans and leases to core deposits | 91.3855% | 2,385 |
| Total domestic deposits to total assets | 81.9117% | 3,910 |
| Equity capital to assets | 12.1289% | 1,844 |
| Core capital (leverage) ratio | 10.4938% | 2,923 |
| Tier 1 risk-based capital ratio | 15.8853% | 2,549 |
| Total risk-based capital ratio | 17.1437% | 2,487 |
| Memoranda: | ||
| Average total assets | $109,985,000 | 4,131 |
| Average earning assets | $95,824,000 | 4,239 |
| Average equity | $12,649,670 | 4,088 |
| Average total loans | $73,879,000 | 3,927 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8352% | 3,640 |
| Cost of funding earning assets | 0.3483% | 3,552 |
| Net interest margin | 3.4870% | 3,323 |
| Noninterest income to average assets | 0.3798% | 3,809 |
| Noninterest expense to average assets | 2.5689% | 3,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6413% | 3,974 |
| Return on assets (ROA) | 0.6413% | 4,011 |
| Pretax return on assets | 0.8599% | 3,898 |
| Return on Equity (ROE) | 5.7255% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.7255% | 2,480 |
| Net charge-offs to loans | -0.0439% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9216% | 2,079 |
| Assets per employee ($millions) | 6.3088% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,365 |
| Loan loss allowance to noncurrent loans | 109.2120% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 650 |
| Noncurrent loans to loans | 1.2221% | 1,659 |
| Net loans and leases to total assets | 64.0571% | 3,264 |
| Net loans and leases to deposits | 78.6272% | 2,904 |
| Net loans and leases to core deposits | 83.7434% | 2,925 |
| Total domestic deposits to total assets | 81.4694% | 4,308 |
| Equity capital to assets | 11.1159% | 2,516 |
| Core capital (leverage) ratio | 10.1435% | 3,319 |
| Tier 1 risk-based capital ratio | 15.7509% | 2,644 |
| Total risk-based capital ratio | 17.0074% | 2,584 |
| Memoranda: | ||
| Average total assets | $111,642,000 | 4,143 |
| Average earning assets | $97,621,000 | 4,240 |
| Average equity | $12,505,500 | 4,135 |
| Average total loans | $72,842,500 | 3,978 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9069% | 3,549 |
| Cost of funding earning assets | 0.4724% | 2,331 |
| Net interest margin | 3.4345% | 3,688 |
| Noninterest income to average assets | 0.3918% | 3,954 |
| Noninterest expense to average assets | 2.8677% | 2,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.3675% | 175 |
| Return on assets (ROA) | 2.4842% | 150 |
| Pretax return on assets | 0.6512% | 4,657 |
| Return on Equity (ROE) | 23.6466% | 101 |
| Retained earnings to average equity (ytd only) | 23.6466% | 30 |
| Net charge-offs to loans | 0.2089% | 1,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.9252% | 3,592 |
| Efficiency ratio | 84.2908% | 984 |
| Assets per employee ($millions) | 6.0959% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3563% | 2,275 |
| Loan loss allowance to noncurrent loans | 241.5842% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6414% | 958 |
| Noncurrent loans to loans | 0.5614% | 3,158 |
| Net loans and leases to total assets | 64.6911% | 3,259 |
| Net loans and leases to deposits | 77.7896% | 3,126 |
| Net loans and leases to core deposits | 83.4162% | 3,084 |
| Total domestic deposits to total assets | 83.1617% | 3,713 |
| Equity capital to assets | 11.2899% | 2,334 |
| Core capital (leverage) ratio | 10.1921% | 3,234 |
| Tier 1 risk-based capital ratio | 15.7873% | 2,640 |
| Total risk-based capital ratio | 17.0500% | 2,556 |
| Memoranda: | ||
| Average total assets | $107,960,200 | 4,208 |
| Average earning assets | $94,628,200 | 4,295 |
| Average equity | $11,342,000 | 4,370 |
| Average total loans | $70,353,400 | 4,040 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,623 |
| Cost of funding earning assets | 0.5130% | 1,992 |
| Net interest margin | 3.3760% | 3,930 |
| Noninterest income to average assets | 0.3981% | 3,933 |
| Noninterest expense to average assets | 2.7852% | 3,061 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.8757% | 99 |
| Return on assets (ROA) | 2.9799% | 94 |
| Pretax return on assets | 0.6796% | 4,671 |
| Return on Equity (ROE) | 28.9149% | 48 |
| Retained earnings to average equity (ytd only) | 28.9149% | 15 |
| Net charge-offs to loans | 0.3011% | 763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.9367% | 3,495 |
| Efficiency ratio | 82.8782% | 1,087 |
| Assets per employee ($millions) | 5.4539% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 2,481 |
| Loan loss allowance to noncurrent loans | 222.8637% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 1.6777% | 1,019 |
| Noncurrent loans to loans | 0.6017% | 3,208 |
| Net loans and leases to total assets | 65.0898% | 3,258 |
| Net loans and leases to deposits | 78.5619% | 3,124 |
| Net loans and leases to core deposits | 84.3157% | 3,092 |
| Total domestic deposits to total assets | 82.8516% | 3,647 |
| Equity capital to assets | 11.3498% | 2,653 |
| Core capital (leverage) ratio | 9.9593% | 3,622 |
| Tier 1 risk-based capital ratio | 15.0944% | 3,000 |
| Total risk-based capital ratio | 16.3562% | 2,934 |
| Memoranda: | ||
| Average total assets | $107,518,750 | 4,243 |
| Average earning assets | $94,349,750 | 4,341 |
| Average equity | $11,080,500 | 4,459 |
| Average total loans | $69,952,000 | 4,077 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,724 |
| Cost of funding earning assets | 0.5156% | 1,976 |
| Net interest margin | 3.3479% | 4,067 |
| Noninterest income to average assets | 0.3607% | 4,185 |
| Noninterest expense to average assets | 2.7626% | 3,159 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 4.0916% | 52 |
| Return on assets (ROA) | 4.2486% | 45 |
| Pretax return on assets | 0.7047% | 4,605 |
| Return on Equity (ROE) | 42.6962% | 17 |
| Retained earnings to average equity (ytd only) | 42.6962% | 6 |
| Net charge-offs to loans | -0.1299% | 5,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4557% | 1,095 |
| Assets per employee ($millions) | 5.7113% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,374 |
| Loan loss allowance to noncurrent loans | 173.5513% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.9076% | 878 |
| Noncurrent loans to loans | 0.9554% | 2,372 |
| Net loans and leases to total assets | 63.8378% | 3,384 |
| Net loans and leases to deposits | 76.8650% | 3,286 |
| Net loans and leases to core deposits | 83.0054% | 3,166 |
| Total domestic deposits to total assets | 83.0520% | 3,633 |
| Equity capital to assets | 11.3073% | 2,734 |
| Core capital (leverage) ratio | 9.9324% | 3,646 |
| Tier 1 risk-based capital ratio | 15.2157% | 2,979 |
| Total risk-based capital ratio | 16.4831% | 2,908 |
| Memoranda: | ||
| Average total assets | $106,999,330 | 4,291 |
| Average earning assets | $94,267,330 | 4,379 |
| Average equity | $10,647,330 | 4,542 |
| Average total loans | $69,281,670 | 4,106 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,645 |
| Cost of funding earning assets | 0.5179% | 1,960 |
| Net interest margin | 3.3661% | 3,988 |
| Noninterest income to average assets | 0.3878% | 3,918 |
| Noninterest expense to average assets | 2.6995% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6739% | 3,857 |
| Return on assets (ROA) | 0.7191% | 3,732 |
| Pretax return on assets | 0.7191% | 4,456 |
| Return on Equity (ROE) | 7.7674% | 3,051 |
| Retained earnings to average equity (ytd only) | 7.7674% | 1,556 |
| Net charge-offs to loans | -0.1456% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0223% | 1,604 |
| Assets per employee ($millions) | 6.2991% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 1,425 |
| Loan loss allowance to noncurrent loans | 259.7285% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 1,043 |
| Noncurrent loans to loans | 0.6435% | 3,242 |
| Net loans and leases to total assets | 63.0720% | 3,373 |
| Net loans and leases to deposits | 74.3882% | 3,392 |
| Net loans and leases to core deposits | 80.7354% | 3,262 |
| Total domestic deposits to total assets | 84.7876% | 3,212 |
| Equity capital to assets | 9.4076% | 4,761 |
| Core capital (leverage) ratio | 9.4269% | 4,316 |
| Tier 1 risk-based capital ratio | 14.6669% | 3,301 |
| Total risk-based capital ratio | 15.9215% | 3,244 |
| Memoranda: | ||
| Average total assets | $106,242,000 | 4,340 |
| Average earning assets | $94,233,500 | 4,413 |
| Average equity | $9,836,000 | 4,695 |
| Average total loans | $68,702,000 | 4,141 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 3,876 |
| Cost of funding earning assets | 0.5338% | 1,887 |
| Net interest margin | 3.3180% | 4,216 |
| Noninterest income to average assets | 0.3895% | 4,112 |
| Noninterest expense to average assets | 2.8954% | 2,875 |
| Loan and lease loss provision to assets | -0.2538% | 6,030 |
| Net operating income to assets | 0.6793% | 3,907 |
| Return on assets (ROA) | 0.7144% | 3,850 |
| Pretax return on assets | 0.7144% | 4,488 |
| Return on Equity (ROE) | 9.1149% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.1149% | 629 |
| Net charge-offs to loans | 0.2694% | 1,128 |
| Credit loss provision to net charge-offs | -159.8837% | 5,239 |
| Earnings coverage of net charge-offs (x) | 2.6802% | 3,850 |
| Efficiency ratio | 87.1873% | 891 |
| Assets per employee ($millions) | 5.5474% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 1,512 |
| Loan loss allowance to noncurrent loans | 319.0341% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 1.9905% | 889 |
| Noncurrent loans to loans | 0.5123% | 3,644 |
| Net loans and leases to total assets | 64.1300% | 3,257 |
| Net loans and leases to deposits | 75.2815% | 3,345 |
| Net loans and leases to core deposits | 81.5179% | 3,201 |
| Total domestic deposits to total assets | 85.1869% | 3,008 |
| Equity capital to assets | 9.1063% | 5,013 |
| Core capital (leverage) ratio | 9.1208% | 4,728 |
| Tier 1 risk-based capital ratio | 14.0835% | 3,665 |
| Total risk-based capital ratio | 15.3389% | 3,586 |
| Memoranda: | ||
| Average total assets | $108,342,800 | 4,288 |
| Average earning assets | $95,720,200 | 4,394 |
| Average equity | $8,491,600 | 4,959 |
| Average total loans | $63,853,200 | 4,267 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,811 |
| Cost of funding earning assets | 0.5361% | 1,920 |
| Net interest margin | 3.3442% | 4,162 |
| Noninterest income to average assets | 0.1907% | 5,515 |
| Noninterest expense to average assets | 2.8713% | 2,933 |
| Loan and lease loss provision to assets | -0.3667% | 6,174 |
| Net operating income to assets | 0.6368% | 4,202 |
| Return on assets (ROA) | 0.7236% | 3,907 |
| Pretax return on assets | 0.7236% | 4,602 |
| Return on Equity (ROE) | 9.6082% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.6082% | 711 |
| Net charge-offs to loans | 0.2192% | 1,190 |
| Credit loss provision to net charge-offs | -291.2621% | 5,260 |
| Earnings coverage of net charge-offs (x) | 2.1456% | 3,724 |
| Efficiency ratio | 91.4008% | 600 |
| Assets per employee ($millions) | 5.6354% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 1,228 |
| Loan loss allowance to noncurrent loans | 484.2324% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 1.8838% | 1,111 |
| Noncurrent loans to loans | 0.3758% | 4,270 |
| Net loans and leases to total assets | 58.8001% | 4,039 |
| Net loans and leases to deposits | 69.0908% | 4,084 |
| Net loans and leases to core deposits | 74.7084% | 3,939 |
| Total domestic deposits to total assets | 85.1055% | 2,966 |
| Equity capital to assets | 8.8995% | 5,394 |
| Core capital (leverage) ratio | 9.0311% | 4,959 |
| Tier 1 risk-based capital ratio | 14.9460% | 3,318 |
| Total risk-based capital ratio | 16.2029% | 3,264 |
| Memoranda: | ||
| Average total assets | $109,078,500 | 4,321 |
| Average earning assets | $96,243,750 | 4,430 |
| Average equity | $8,215,000 | 5,086 |
| Average total loans | $62,637,500 | 4,344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 3,711 |
| Cost of funding earning assets | 0.5383% | 1,916 |
| Net interest margin | 3.3577% | 4,067 |
| Noninterest income to average assets | 0.1749% | 5,651 |
| Noninterest expense to average assets | 2.9614% | 2,675 |
| Loan and lease loss provision to assets | -0.3645% | 6,249 |
| Net operating income to assets | 0.5449% | 4,579 |
| Return on assets (ROA) | 0.6998% | 4,012 |
| Pretax return on assets | 0.6998% | 4,651 |
| Return on Equity (ROE) | 9.8753% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.8753% | 689 |
| Net charge-offs to loans | 0.1899% | 1,320 |
| Credit loss provision to net charge-offs | -338.9831% | 5,139 |
| Earnings coverage of net charge-offs (x) | 1.6780% | 3,470 |
| Efficiency ratio | 94.2575% | 507 |
| Assets per employee ($millions) | 5.6771% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1807% | 759 |
| Loan loss allowance to noncurrent loans | 522.3108% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 971 |
| Noncurrent loans to loans | 0.4175% | 4,223 |
| Net loans and leases to total assets | 54.5191% | 4,498 |
| Net loans and leases to deposits | 63.4332% | 4,580 |
| Net loans and leases to core deposits | 68.5197% | 4,453 |
| Total domestic deposits to total assets | 85.9472% | 2,713 |
| Equity capital to assets | 8.3660% | 5,783 |
| Core capital (leverage) ratio | 8.7341% | 5,286 |
| Tier 1 risk-based capital ratio | 14.1791% | 3,827 |
| Total risk-based capital ratio | 15.4366% | 3,749 |
| Memoranda: | ||
| Average total assets | $109,747,000 | 4,348 |
| Average earning assets | $96,972,330 | 4,445 |
| Average equity | $7,777,000 | 5,204 |
| Average total loans | $62,141,330 | 4,401 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,702 |
| Cost of funding earning assets | 0.5321% | 1,989 |
| Net interest margin | 3.6000% | 3,006 |
| Noninterest income to average assets | 0.1518% | 5,831 |
| Noninterest expense to average assets | 3.1042% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2746% | 5,494 |
| Return on assets (ROA) | 0.5746% | 4,489 |
| Pretax return on assets | 0.5746% | 4,984 |
| Return on Equity (ROE) | 8.8908% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.8908% | 1,239 |
| Net charge-offs to loans | 0.9501% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.5067% | 3,042 |
| Efficiency ratio | 91.8717% | 724 |
| Assets per employee ($millions) | 5.4705% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3464% | 665 |
| Loan loss allowance to noncurrent loans | 265.4206% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 3.0326% | 621 |
| Noncurrent loans to loans | 0.8840% | 3,033 |
| Net loans and leases to total assets | 54.0152% | 4,446 |
| Net loans and leases to deposits | 62.7687% | 4,499 |
| Net loans and leases to core deposits | 67.7085% | 4,363 |
| Total domestic deposits to total assets | 86.0543% | 2,913 |
| Equity capital to assets | 6.6201% | 6,297 |
| Core capital (leverage) ratio | 6.5895% | 6,286 |
| Tier 1 risk-based capital ratio | 10.5804% | 5,989 |
| Total risk-based capital ratio | 11.8395% | 5,911 |
| Memoranda: | ||
| Average total assets | $110,688,000 | 4,354 |
| Average earning assets | $99,223,000 | 4,420 |
| Average equity | $7,153,500 | 5,372 |
| Average total loans | $63,153,000 | 4,390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,871 |
| Cost of funding earning assets | 0.6215% | 1,599 |
| Net interest margin | 3.3386% | 4,442 |
| Noninterest income to average assets | 0.2482% | 5,350 |
| Noninterest expense to average assets | 2.9682% | 2,938 |
| Loan and lease loss provision to assets | -0.3642% | 6,407 |
| Net operating income to assets | 0.6404% | 4,190 |
| Return on assets (ROA) | 0.7793% | 3,564 |
| Pretax return on assets | 0.7819% | 4,324 |
| Return on Equity (ROE) | 14.1743% | 908 |
| Retained earnings to average equity (ytd only) | 14.1743% | 168 |
| Net charge-offs to loans | 0.7166% | 515 |
| Credit loss provision to net charge-offs | -86.6935% | 5,493 |
| Earnings coverage of net charge-offs (x) | 0.6633% | 4,595 |
| Efficiency ratio | 91.4166% | 747 |
| Assets per employee ($millions) | 5.0894% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3865% | 634 |
| Loan loss allowance to noncurrent loans | 227.5362% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 3.5743% | 516 |
| Noncurrent loans to loans | 1.0488% | 2,726 |
| Net loans and leases to total assets | 57.3549% | 4,140 |
| Net loans and leases to deposits | 66.1591% | 4,304 |
| Net loans and leases to core deposits | 71.4232% | 4,176 |
| Total domestic deposits to total assets | 86.6924% | 2,456 |
| Equity capital to assets | 6.3091% | 6,392 |
| Core capital (leverage) ratio | 6.1786% | 6,394 |
| Tier 1 risk-based capital ratio | 10.0436% | 6,251 |
| Total risk-based capital ratio | 11.3068% | 6,192 |
| Memoranda: | ||
| Average total assets | $118,052,800 | 4,226 |
| Average earning assets | $106,031,200 | 4,265 |
| Average equity | $6,490,600 | 5,527 |
| Average total loans | $69,216,800 | 4,213 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 3,897 |
| Cost of funding earning assets | 0.6312% | 1,590 |
| Net interest margin | 3.3357% | 4,490 |
| Noninterest income to average assets | 0.1673% | 5,920 |
| Noninterest expense to average assets | 2.8556% | 3,270 |
| Loan and lease loss provision to assets | -0.4795% | 6,530 |
| Net operating income to assets | 0.7872% | 3,480 |
| Return on assets (ROA) | 0.9701% | 2,662 |
| Pretax return on assets | 0.9734% | 3,701 |
| Return on Equity (ROE) | 18.2752% | 415 |
| Retained earnings to average equity (ytd only) | 18.2752% | 103 |
| Net charge-offs to loans | -0.1503% | 6,243 |
| Credit loss provision to net charge-offs | 544.3038% | 534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1761% | 833 |
| Assets per employee ($millions) | 5.7734% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1190% | 320 |
| Loan loss allowance to noncurrent loans | 138.9249% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 3.9206% | 519 |
| Noncurrent loans to loans | 2.2451% | 1,347 |
| Net loans and leases to total assets | 57.7013% | 4,116 |
| Net loans and leases to deposits | 66.3956% | 4,291 |
| Net loans and leases to core deposits | 71.6601% | 4,185 |
| Total domestic deposits to total assets | 86.9053% | 2,370 |
| Equity capital to assets | 5.8987% | 6,484 |
| Core capital (leverage) ratio | 6.0185% | 6,479 |
| Tier 1 risk-based capital ratio | 9.6052% | 6,423 |
| Total risk-based capital ratio | 10.8766% | 6,392 |
| Memoranda: | ||
| Average total assets | $119,574,500 | 4,228 |
| Average earning assets | $107,522,250 | 4,276 |
| Average equity | $6,347,250 | 5,613 |
| Average total loans | $70,074,000 | 4,217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9615% | 3,891 |
| Cost of funding earning assets | 0.6440% | 1,555 |
| Net interest margin | 3.3175% | 4,519 |
| Noninterest income to average assets | 0.4217% | 4,078 |
| Noninterest expense to average assets | 2.7500% | 3,699 |
| Loan and lease loss provision to assets | -0.2977% | 6,528 |
| Net operating income to assets | 0.9509% | 2,547 |
| Return on assets (ROA) | 1.2518% | 1,505 |
| Pretax return on assets | 1.2518% | 2,446 |
| Return on Equity (ROE) | 24.4483% | 124 |
| Retained earnings to average equity (ytd only) | 24.4483% | 47 |
| Net charge-offs to loans | -0.2071% | 6,348 |
| Credit loss provision to net charge-offs | 246.5753% | 1,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8066% | 1,905 |
| Assets per employee ($millions) | 5.7502% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3428% | 268 |
| Loan loss allowance to noncurrent loans | 156.0418% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 4.3170% | 464 |
| Noncurrent loans to loans | 2.1422% | 1,552 |
| Net loans and leases to total assets | 57.2056% | 4,086 |
| Net loans and leases to deposits | 65.9758% | 4,271 |
| Net loans and leases to core deposits | 71.1807% | 4,129 |
| Total domestic deposits to total assets | 86.7069% | 2,627 |
| Equity capital to assets | 5.5195% | 6,562 |
| Core capital (leverage) ratio | 5.6924% | 6,555 |
| Tier 1 risk-based capital ratio | 9.0961% | 6,532 |
| Total risk-based capital ratio | 10.3697% | 6,520 |
| Memoranda: | ||
| Average total assets | $120,943,670 | 4,215 |
| Average earning assets | $108,697,000 | 4,272 |
| Average equity | $6,192,670 | 5,679 |
| Average total loans | $70,508,330 | 4,218 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 4,423 |
| Cost of funding earning assets | 0.6592% | 1,521 |
| Net interest margin | 3.1562% | 5,063 |
| Noninterest income to average assets | 0.3272% | 4,753 |
| Noninterest expense to average assets | 2.6405% | 4,148 |
| Loan and lease loss provision to assets | -0.5949% | 6,676 |
| Net operating income to assets | 1.1137% | 1,757 |
| Return on assets (ROA) | 1.1765% | 1,614 |
| Pretax return on assets | 1.1765% | 2,581 |
| Return on Equity (ROE) | 23.9067% | 150 |
| Retained earnings to average equity (ytd only) | 23.9067% | 67 |
| Net charge-offs to loans | -0.2799% | 6,467 |
| Credit loss provision to net charge-offs | 367.3469% | 691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5774% | 1,720 |
| Assets per employee ($millions) | 5.6223% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2946% | 329 |
| Loan loss allowance to noncurrent loans | 140.5229% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 4.4191% | 503 |
| Noncurrent loans to loans | 2.3445% | 1,509 |
| Net loans and leases to total assets | 56.1229% | 4,133 |
| Net loans and leases to deposits | 65.0313% | 4,203 |
| Net loans and leases to core deposits | 70.4983% | 4,034 |
| Total domestic deposits to total assets | 86.3013% | 3,209 |
| Equity capital to assets | 5.0642% | 6,629 |
| Core capital (leverage) ratio | 5.3869% | 6,631 |
| Tier 1 risk-based capital ratio | 8.2986% | 6,616 |
| Total risk-based capital ratio | 9.5704% | 6,619 |
| Memoranda: | ||
| Average total assets | $121,038,500 | 4,253 |
| Average earning assets | $108,612,500 | 4,308 |
| Average equity | $5,956,500 | 5,757 |
| Average total loans | $70,029,000 | 4,262 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,864 |
| Cost of funding earning assets | 1.0368% | 382 |
| Net interest margin | 2.7502% | 6,065 |
| Noninterest income to average assets | 0.5346% | 3,522 |
| Noninterest expense to average assets | 2.9075% | 3,348 |
| Loan and lease loss provision to assets | 0.0397% | 4,326 |
| Net operating income to assets | 0.0341% | 6,157 |
| Return on assets (ROA) | 0.1951% | 5,903 |
| Pretax return on assets | 0.1951% | 5,946 |
| Return on Equity (ROE) | 4.1776% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.1776% | 3,205 |
| Net charge-offs to loans | 0.6150% | 1,068 |
| Credit loss provision to net charge-offs | 11.8483% | 4,565 |
| Earnings coverage of net charge-offs (x) | 0.2204% | 5,013 |
| Efficiency ratio | 97.5259% | 564 |
| Assets per employee ($millions) | 5.6374% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6559% | 256 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 5.4871% | 391 |
| Noncurrent loans to loans | 3.0934% | 1,112 |
| Net loans and leases to total assets | 55.5623% | 4,380 |
| Net loans and leases to deposits | 63.7952% | 4,526 |
| Net loans and leases to core deposits | 69.5431% | 4,331 |
| Total domestic deposits to total assets | 87.0948% | 2,673 |
| Equity capital to assets | 4.7717% | 6,704 |
| Core capital (leverage) ratio | 5.1138% | 6,708 |
| Tier 1 risk-based capital ratio | 8.2296% | 6,688 |
| Total risk-based capital ratio | 9.5063% | 6,689 |
| Memoranda: | ||
| Average total assets | $126,085,800 | 4,140 |
| Average earning assets | $112,172,200 | 4,217 |
| Average equity | $5,888,600 | 5,846 |
| Average total loans | $68,619,800 | 4,320 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 5,074 |
| Cost of funding earning assets | 1.1140% | 293 |
| Net interest margin | 2.6217% | 6,291 |
| Noninterest income to average assets | 0.6072% | 3,102 |
| Noninterest expense to average assets | 2.9132% | 3,257 |
| Loan and lease loss provision to assets | 0.1562% | 2,306 |
| Net operating income to assets | -0.1312% | 6,416 |
| Return on assets (ROA) | 0.0802% | 6,226 |
| Pretax return on assets | 0.0802% | 6,227 |
| Return on Equity (ROE) | 1.7258% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.7258% | 5,278 |
| Net charge-offs to loans | 0.8015% | 733 |
| Credit loss provision to net charge-offs | 36.3196% | 3,784 |
| Earnings coverage of net charge-offs (x) | 0.0581% | 4,840 |
| Efficiency ratio | 99.1492% | 492 |
| Assets per employee ($millions) | 5.7613% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8870% | 259 |
| Loan loss allowance to noncurrent loans | 128.5150% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 5.3617% | 500 |
| Noncurrent loans to loans | 3.0246% | 1,326 |
| Net loans and leases to total assets | 53.2396% | 4,719 |
| Net loans and leases to deposits | 60.4006% | 4,926 |
| Net loans and leases to core deposits | 65.4417% | 4,762 |
| Total domestic deposits to total assets | 88.1442% | 2,030 |
| Equity capital to assets | 4.4170% | 6,801 |
| Core capital (leverage) ratio | 5.1700% | 6,778 |
| Tier 1 risk-based capital ratio | 8.4561% | 6,748 |
| Total risk-based capital ratio | 9.7366% | 6,751 |
| Memoranda: | ||
| Average total assets | $128,010,750 | 4,159 |
| Average earning assets | $113,817,500 | 4,228 |
| Average equity | $5,948,500 | 5,907 |
| Average total loans | $68,706,250 | 4,352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 5,202 |
| Cost of funding earning assets | 1.1804% | 230 |
| Net interest margin | 2.5025% | 6,447 |
| Noninterest income to average assets | 0.6107% | 3,131 |
| Noninterest expense to average assets | 2.9566% | 3,139 |
| Loan and lease loss provision to assets | 0.1841% | 2,061 |
| Net operating income to assets | -0.3084% | 6,554 |
| Return on assets (ROA) | 0.0031% | 6,364 |
| Pretax return on assets | 0.0031% | 6,350 |
| Return on Equity (ROE) | 0.0650% | 6,361 |
| Retained earnings to average equity (ytd only) | 0.0650% | 5,829 |
| Net charge-offs to loans | 0.9441% | 654 |
| Credit loss provision to net charge-offs | 36.6972% | 3,478 |
| Earnings coverage of net charge-offs (x) | -0.2477% | 4,628 |
| Efficiency ratio | 104.3879% | 377 |
| Assets per employee ($millions) | 4.9642% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8946% | 277 |
| Loan loss allowance to noncurrent loans | 70.4714% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 5.7129% | 499 |
| Noncurrent loans to loans | 5.5264% | 554 |
| Net loans and leases to total assets | 52.9108% | 4,752 |
| Net loans and leases to deposits | 60.0965% | 4,971 |
| Net loans and leases to core deposits | 66.4215% | 4,648 |
| Total domestic deposits to total assets | 88.0432% | 2,214 |
| Equity capital to assets | 4.7178% | 6,841 |
| Core capital (leverage) ratio | 4.8402% | 6,837 |
| Tier 1 risk-based capital ratio | 8.0458% | 6,802 |
| Total risk-based capital ratio | 9.3270% | 6,804 |
| Memoranda: | ||
| Average total assets | $130,352,000 | 4,134 |
| Average earning assets | $115,722,670 | 4,211 |
| Average equity | $6,150,000 | 5,889 |
| Average total loans | $69,269,000 | 4,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 5,022 |
| Cost of funding earning assets | 1.2386% | 199 |
| Net interest margin | 2.5011% | 6,510 |
| Noninterest income to average assets | 0.3326% | 5,036 |
| Noninterest expense to average assets | 2.9159% | 3,286 |
| Loan and lease loss provision to assets | 0.2697% | 1,314 |
| Net operating income to assets | -0.6503% | 6,728 |
| Return on assets (ROA) | -0.0420% | 6,447 |
| Pretax return on assets | -0.0420% | 6,437 |
| Return on Equity (ROE) | -0.8892% | 6,492 |
| Retained earnings to average equity (ytd only) | -0.8892% | 5,934 |
| Net charge-offs to loans | 1.8010% | 270 |
| Credit loss provision to net charge-offs | 28.6624% | 2,905 |
| Earnings coverage of net charge-offs (x) | -0.4045% | 3,915 |
| Efficiency ratio | 115.0118% | 257 |
| Assets per employee ($millions) | 4.5544% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7998% | 334 |
| Loan loss allowance to noncurrent loans | 65.1874% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 7.1677% | 387 |
| Noncurrent loans to loans | 5.8290% | 583 |
| Net loans and leases to total assets | 50.6810% | 4,897 |
| Net loans and leases to deposits | 57.9092% | 5,044 |
| Net loans and leases to core deposits | 64.4227% | 4,701 |
| Total domestic deposits to total assets | 87.5181% | 2,622 |
| Equity capital to assets | 4.7396% | 6,905 |
| Core capital (leverage) ratio | 4.6281% | 6,899 |
| Tier 1 risk-based capital ratio | 7.6250% | 6,872 |
| Total risk-based capital ratio | 8.8991% | 6,871 |
| Memoranda: | ||
| Average total assets | $133,475,500 | 4,114 |
| Average earning assets | $117,549,500 | 4,208 |
| Average equity | $6,297,500 | 5,911 |
| Average total loans | $69,740,500 | 4,351 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7942% | 5,835 |
| Cost of funding earning assets | 1.3660% | 285 |
| Net interest margin | 2.4282% | 6,761 |
| Noninterest income to average assets | -0.0372% | 6,873 |
| Noninterest expense to average assets | 2.8456% | 3,854 |
| Loan and lease loss provision to assets | -0.0400% | 6,859 |
| Net operating income to assets | -0.5768% | 6,609 |
| Return on assets (ROA) | -0.5750% | 6,638 |
| Pretax return on assets | -0.6628% | 6,641 |
| Return on Equity (ROE) | -13.2718% | 6,796 |
| Retained earnings to average equity (ytd only) | -13.2718% | 6,738 |
| Net charge-offs to loans | 0.9685% | 1,136 |
| Credit loss provision to net charge-offs | -7.6510% | 6,211 |
| Earnings coverage of net charge-offs (x) | -1.3477% | 5,789 |
| Efficiency ratio | 132.9288% | 146 |
| Assets per employee ($millions) | 4.6508% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1031% | 266 |
| Loan loss allowance to noncurrent loans | 56.3347% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 7.7318% | 380 |
| Noncurrent loans to loans | 7.2835% | 424 |
| Net loans and leases to total assets | 49.6990% | 5,208 |
| Net loans and leases to deposits | 57.3411% | 5,310 |
| Net loans and leases to core deposits | 64.9050% | 4,849 |
| Total domestic deposits to total assets | 86.6725% | 3,011 |
| Equity capital to assets | 4.6970% | 6,966 |
| Core capital (leverage) ratio | 4.2752% | 6,970 |
| Tier 1 risk-based capital ratio | 7.2135% | 6,944 |
| Total risk-based capital ratio | 8.4835% | 6,943 |
| Memoranda: | ||
| Average total assets | $142,431,800 | 3,909 |
| Average earning assets | $127,747,000 | 3,952 |
| Average equity | $6,171,000 | 5,977 |
| Average total loans | $76,925,800 | 4,124 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 6,005 |
| Cost of funding earning assets | 1.3777% | 322 |
| Net interest margin | 2.4310% | 6,871 |
| Noninterest income to average assets | 0.1885% | 6,166 |
| Noninterest expense to average assets | 2.7687% | 4,096 |
| Loan and lease loss provision to assets | -0.1081% | 7,042 |
| Net operating income to assets | -0.1810% | 6,486 |
| Return on assets (ROA) | -0.1792% | 6,556 |
| Pretax return on assets | -0.2818% | 6,591 |
| Return on Equity (ROE) | -4.2196% | 6,688 |
| Retained earnings to average equity (ytd only) | -4.2196% | 6,567 |
| Net charge-offs to loans | 1.1167% | 904 |
| Credit loss provision to net charge-offs | -17.7542% | 6,117 |
| Earnings coverage of net charge-offs (x) | -0.6449% | 5,528 |
| Efficiency ratio | 116.5241% | 222 |
| Assets per employee ($millions) | 5.1906% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8942% | 338 |
| Loan loss allowance to noncurrent loans | 42.9951% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 7.9460% | 396 |
| Noncurrent loans to loans | 9.0573% | 301 |
| Net loans and leases to total assets | 50.9626% | 5,192 |
| Net loans and leases to deposits | 58.8916% | 5,328 |
| Net loans and leases to core deposits | 65.9477% | 4,960 |
| Total domestic deposits to total assets | 86.5362% | 2,959 |
| Equity capital to assets | 4.9513% | 7,054 |
| Core capital (leverage) ratio | 4.6800% | 7,046 |
| Tier 1 risk-based capital ratio | 7.6490% | 7,014 |
| Total risk-based capital ratio | 8.9370% | 7,010 |
| Memoranda: | ||
| Average total assets | $144,321,750 | 3,915 |
| Average earning assets | $129,875,250 | 3,943 |
| Average equity | $6,130,000 | 6,060 |
| Average total loans | $78,682,750 | 4,119 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8191% | 6,097 |
| Cost of funding earning assets | 1.4046% | 344 |
| Net interest margin | 2.4146% | 6,952 |
| Noninterest income to average assets | 0.3404% | 5,106 |
| Noninterest expense to average assets | 2.7026% | 4,408 |
| Loan and lease loss provision to assets | 0.1647% | 3,456 |
| Net operating income to assets | -0.2639% | 6,590 |
| Return on assets (ROA) | -0.2608% | 6,649 |
| Pretax return on assets | -0.3473% | 6,669 |
| Return on Equity (ROE) | -6.4843% | 6,815 |
| Retained earnings to average equity (ytd only) | -6.4843% | 6,695 |
| Net charge-offs to loans | 1.5274% | 643 |
| Credit loss provision to net charge-offs | 19.6078% | 4,610 |
| Earnings coverage of net charge-offs (x) | -0.2222% | 5,167 |
| Efficiency ratio | 107.4195% | 372 |
| Assets per employee ($millions) | 5.4887% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2048% | 298 |
| Loan loss allowance to noncurrent loans | 38.7845% | 5,720 |
| Noncurrent assets plus other real estate owned to assets | 7.9176% | 437 |
| Noncurrent loans to loans | 10.8413% | 222 |
| Net loans and leases to total assets | 50.7354% | 5,259 |
| Net loans and leases to deposits | 58.7892% | 5,369 |
| Net loans and leases to core deposits | 65.8383% | 5,020 |
| Total domestic deposits to total assets | 86.3006% | 3,194 |
| Equity capital to assets | 4.8106% | 7,103 |
| Core capital (leverage) ratio | 4.5767% | 7,096 |
| Tier 1 risk-based capital ratio | 7.6546% | 7,057 |
| Total risk-based capital ratio | 8.9415% | 7,059 |
| Memoranda: | ||
| Average total assets | $145,713,670 | 3,910 |
| Average earning assets | $131,286,000 | 3,934 |
| Average equity | $5,860,330 | 6,155 |
| Average total loans | $80,138,330 | 4,104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8609% | 6,111 |
| Cost of funding earning assets | 1.4286% | 384 |
| Net interest margin | 2.4323% | 6,993 |
| Noninterest income to average assets | 0.3260% | 5,260 |
| Noninterest expense to average assets | 2.7551% | 4,216 |
| Loan and lease loss provision to assets | 0.1630% | 3,353 |
| Net operating income to assets | -0.3858% | 6,764 |
| Return on assets (ROA) | -0.3858% | 6,802 |
| Pretax return on assets | -0.3994% | 6,784 |
| Return on Equity (ROE) | -10.6010% | 6,999 |
| Retained earnings to average equity (ytd only) | -10.6010% | 6,858 |
| Net charge-offs to loans | 1.9899% | 474 |
| Credit loss provision to net charge-offs | 14.6341% | 3,843 |
| Earnings coverage of net charge-offs (x) | -0.2122% | 4,440 |
| Efficiency ratio | 109.3851% | 345 |
| Assets per employee ($millions) | 5.1919% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0200% | 363 |
| Loan loss allowance to noncurrent loans | 39.7938% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 8.0696% | 468 |
| Noncurrent loans to loans | 10.1021% | 300 |
| Net loans and leases to total assets | 54.5266% | 4,631 |
| Net loans and leases to deposits | 62.8948% | 4,783 |
| Net loans and leases to core deposits | 69.9571% | 4,426 |
| Total domestic deposits to total assets | 86.6949% | 3,121 |
| Equity capital to assets | 4.6921% | 7,153 |
| Core capital (leverage) ratio | 4.4984% | 7,152 |
| Tier 1 risk-based capital ratio | 7.1972% | 7,118 |
| Total risk-based capital ratio | 8.4825% | 7,118 |
| Memoranda: | ||
| Average total assets | $147,217,000 | 3,921 |
| Average earning assets | $132,716,500 | 3,929 |
| Average equity | $5,358,000 | 6,315 |
| Average total loans | $82,417,000 | 4,053 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2436% | 5,934 |
| Cost of funding earning assets | 1.7397% | 276 |
| Net interest margin | 2.5039% | 7,056 |
| Noninterest income to average assets | 0.1699% | 6,272 |
| Noninterest expense to average assets | 2.8986% | 3,964 |
| Loan and lease loss provision to assets | 0.3609% | 2,841 |
| Net operating income to assets | -0.8726% | 6,685 |
| Return on assets (ROA) | -0.4430% | 6,498 |
| Pretax return on assets | -0.4137% | 6,429 |
| Return on Equity (ROE) | -16.3013% | 6,918 |
| Retained earnings to average equity (ytd only) | -16.3013% | 6,898 |
| Net charge-offs to loans | 1.3891% | 1,177 |
| Credit loss provision to net charge-offs | 43.9535% | 5,555 |
| Earnings coverage of net charge-offs (x) | -0.5876% | 6,107 |
| Efficiency ratio | 119.9684% | 310 |
| Assets per employee ($millions) | 5.1400% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4622% | 262 |
| Loan loss allowance to noncurrent loans | 49.4743% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 7.5573% | 573 |
| Noncurrent loans to loans | 9.0192% | 393 |
| Net loans and leases to total assets | 52.7147% | 5,202 |
| Net loans and leases to deposits | 60.4964% | 5,436 |
| Net loans and leases to core deposits | 68.5741% | 4,958 |
| Total domestic deposits to total assets | 87.1368% | 2,683 |
| Equity capital to assets | 2.6130% | 7,293 |
| Core capital (leverage) ratio | 2.4173% | 7,298 |
| Tier 1 risk-based capital ratio | 3.9656% | 7,279 |
| Total risk-based capital ratio | 5.2477% | 7,282 |
| Memoranda: | ||
| Average total assets | $157,111,000 | 3,677 |
| Average earning assets | $140,940,000 | 3,722 |
| Average equity | $4,269,600 | 6,666 |
| Average total loans | $92,863,600 | 3,791 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 5,953 |
| Cost of funding earning assets | 1.7907% | 270 |
| Net interest margin | 2.5089% | 7,131 |
| Noninterest income to average assets | 0.1215% | 6,655 |
| Noninterest expense to average assets | 2.9092% | 3,893 |
| Loan and lease loss provision to assets | 0.5094% | 1,946 |
| Net operating income to assets | -0.9677% | 6,875 |
| Return on assets (ROA) | -0.5723% | 6,723 |
| Pretax return on assets | -0.6192% | 6,691 |
| Return on Equity (ROE) | -20.8707% | 7,104 |
| Retained earnings to average equity (ytd only) | -20.8707% | 7,090 |
| Net charge-offs to loans | 1.3554% | 1,117 |
| Credit loss provision to net charge-offs | 62.6159% | 4,720 |
| Earnings coverage of net charge-offs (x) | -0.6632% | 5,874 |
| Efficiency ratio | 122.7723% | 282 |
| Assets per employee ($millions) | 5.2442% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5315% | 257 |
| Loan loss allowance to noncurrent loans | 54.2323% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 7.4796% | 629 |
| Noncurrent loans to loans | 8.3556% | 511 |
| Net loans and leases to total assets | 55.8281% | 4,866 |
| Net loans and leases to deposits | 64.0969% | 5,157 |
| Net loans and leases to core deposits | 72.6240% | 4,632 |
| Total domestic deposits to total assets | 87.0996% | 2,593 |
| Equity capital to assets | 2.6775% | 7,374 |
| Core capital (leverage) ratio | 2.3819% | 7,379 |
| Tier 1 risk-based capital ratio | 3.7078% | 7,370 |
| Total risk-based capital ratio | 4.9987% | 7,370 |
| Memoranda: | ||
| Average total assets | $159,123,500 | 3,668 |
| Average earning assets | $142,583,250 | 3,724 |
| Average equity | $4,363,250 | 6,688 |
| Average total loans | $95,517,750 | 3,770 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 5,765 |
| Cost of funding earning assets | 1.8131% | 291 |
| Net interest margin | 2.5661% | 7,141 |
| Noninterest income to average assets | 0.1660% | 6,469 |
| Noninterest expense to average assets | 2.9801% | 3,714 |
| Loan and lease loss provision to assets | 0.7159% | 1,315 |
| Net operating income to assets | -0.9376% | 6,926 |
| Return on assets (ROA) | -0.9376% | 6,929 |
| Pretax return on assets | -1.2337% | 6,975 |
| Return on Equity (ROE) | -33.9437% | 7,275 |
| Retained earnings to average equity (ytd only) | -33.9437% | 7,268 |
| Net charge-offs to loans | 1.9895% | 678 |
| Credit loss provision to net charge-offs | 59.4650% | 4,351 |
| Earnings coverage of net charge-offs (x) | -0.4300% | 5,507 |
| Efficiency ratio | 121.0262% | 337 |
| Assets per employee ($millions) | 5.5854% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3406% | 323 |
| Loan loss allowance to noncurrent loans | 46.6573% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 8.9168% | 472 |
| Noncurrent loans to loans | 9.3031% | 441 |
| Net loans and leases to total assets | 56.3540% | 4,931 |
| Net loans and leases to deposits | 64.4735% | 5,214 |
| Net loans and leases to core deposits | 73.7432% | 4,607 |
| Total domestic deposits to total assets | 87.4065% | 2,518 |
| Equity capital to assets | 2.7233% | 7,441 |
| Core capital (leverage) ratio | 2.2534% | 7,465 |
| Tier 1 risk-based capital ratio | 3.4180% | 7,451 |
| Total risk-based capital ratio | 4.7085% | 7,452 |
| Memoranda: | ||
| Average total assets | $161,471,000 | 3,665 |
| Average earning assets | $144,501,000 | 3,721 |
| Average equity | $4,460,330 | 6,692 |
| Average total loans | $97,712,330 | 3,748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 6,010 |
| Cost of funding earning assets | 1.8066% | 368 |
| Net interest margin | 2.4977% | 7,200 |
| Noninterest income to average assets | 0.3488% | 5,114 |
| Noninterest expense to average assets | 2.9388% | 3,897 |
| Loan and lease loss provision to assets | 0.0488% | 5,390 |
| Net operating income to assets | -0.3878% | 6,732 |
| Return on assets (ROA) | -0.3878% | 6,738 |
| Pretax return on assets | -0.4000% | 6,687 |
| Return on Equity (ROE) | -13.9443% | 7,129 |
| Retained earnings to average equity (ytd only) | -13.9443% | 7,013 |
| Net charge-offs to loans | 0.8796% | 1,502 |
| Credit loss provision to net charge-offs | 9.0498% | 4,390 |
| Earnings coverage of net charge-offs (x) | -0.6516% | 4,834 |
| Efficiency ratio | 113.5721% | 432 |
| Assets per employee ($millions) | 5.3731% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3437% | 334 |
| Loan loss allowance to noncurrent loans | 30.3504% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 12.0420% | 266 |
| Noncurrent loans to loans | 14.3119% | 174 |
| Net loans and leases to total assets | 57.2695% | 4,751 |
| Net loans and leases to deposits | 65.3451% | 5,072 |
| Net loans and leases to core deposits | 74.6366% | 4,472 |
| Total domestic deposits to total assets | 87.6416% | 2,584 |
| Equity capital to assets | 2.7824% | 7,492 |
| Core capital (leverage) ratio | 2.5822% | 7,498 |
| Tier 1 risk-based capital ratio | 3.7987% | 7,495 |
| Total risk-based capital ratio | 5.0882% | 7,496 |
| Memoranda: | ||
| Average total assets | $164,011,500 | 3,642 |
| Average earning assets | $147,017,000 | 3,697 |
| Average equity | $4,561,000 | 6,695 |
| Average total loans | $100,503,000 | 3,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 5,887 |
| Cost of funding earning assets | 1.9169% | 793 |
| Net interest margin | 2.7560% | 7,079 |
| Noninterest income to average assets | 0.2488% | 6,020 |
| Noninterest expense to average assets | 2.8781% | 4,319 |
| Loan and lease loss provision to assets | 4.1678% | 145 |
| Net operating income to assets | -4.4444% | 7,483 |
| Return on assets (ROA) | -4.2672% | 7,481 |
| Pretax return on assets | -4.1317% | 7,454 |
| Return on Equity (ROE) | -84.1475% | 7,562 |
| Retained earnings to average equity (ytd only) | -84.9470% | 7,562 |
| Net charge-offs to loans | 5.0515% | 173 |
| Credit loss provision to net charge-offs | 125.1292% | 3,262 |
| Earnings coverage of net charge-offs (x) | -0.0424% | 6,163 |
| Efficiency ratio | 105.1542% | 643 |
| Assets per employee ($millions) | 4.9067% | 2,283 |
| Cash dividends to net income (ytd only)* | -0.9501% | 7,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2039% | 333 |
| Loan loss allowance to noncurrent loans | 35.1243% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 10.3172% | 388 |
| Noncurrent loans to loans | 11.9685% | 294 |
| Net loans and leases to total assets | 60.0052% | 4,679 |
| Net loans and leases to deposits | 68.5944% | 5,021 |
| Net loans and leases to core deposits | 78.5644% | 4,389 |
| Total domestic deposits to total assets | 87.4782% | 2,564 |
| Equity capital to assets | 2.7795% | 7,574 |
| Core capital (leverage) ratio | 2.5901% | 7,582 |
| Tier 1 risk-based capital ratio | 3.6472% | 7,579 |
| Total risk-based capital ratio | 4.9272% | 7,581 |
| Memoranda: | ||
| Average total assets | $180,047,400 | 3,377 |
| Average earning assets | $162,557,200 | 3,400 |
| Average equity | $9,130,400 | 5,383 |
| Average total loans | $118,717,000 | 3,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 5,853 |
| Cost of funding earning assets | 1.9287% | 939 |
| Net interest margin | 2.8210% | 7,107 |
| Noninterest income to average assets | 0.2036% | 6,441 |
| Noninterest expense to average assets | 2.7975% | 4,500 |
| Loan and lease loss provision to assets | 5.4568% | 67 |
| Net operating income to assets | -5.4924% | 7,676 |
| Return on assets (ROA) | -5.2764% | 7,671 |
| Pretax return on assets | -5.2873% | 7,660 |
| Return on Equity (ROE) | -94.3501% | 7,686 |
| Retained earnings to average equity (ytd only) | -95.2994% | 7,688 |
| Net charge-offs to loans | 6.0956% | 93 |
| Credit loss provision to net charge-offs | 134.2397% | 3,004 |
| Earnings coverage of net charge-offs (x) | -0.0114% | 6,039 |
| Efficiency ratio | 101.6918% | 692 |
| Assets per employee ($millions) | 4.8205% | 2,421 |
| Cash dividends to net income (ytd only)* | -1.0061% | 7,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3606% | 270 |
| Loan loss allowance to noncurrent loans | 40.8059% | 5,571 |
| Noncurrent assets plus other real estate owned to assets | 9.4004% | 457 |
| Noncurrent loans to loans | 10.6863% | 369 |
| Net loans and leases to total assets | 62.3980% | 4,448 |
| Net loans and leases to deposits | 72.0846% | 4,829 |
| Net loans and leases to core deposits | 82.9677% | 4,093 |
| Total domestic deposits to total assets | 86.5621% | 2,780 |
| Equity capital to assets | 3.2552% | 7,682 |
| Core capital (leverage) ratio | 2.6967% | 7,692 |
| Tier 1 risk-based capital ratio | 3.8709% | 7,689 |
| Total risk-based capital ratio | 5.1533% | 7,691 |
| Memoranda: | ||
| Average total assets | $183,352,000 | 3,374 |
| Average earning assets | $165,562,000 | 3,396 |
| Average equity | $10,253,750 | 5,122 |
| Average total loans | $122,271,500 | 3,322 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 6,326 |
| Cost of funding earning assets | 1.9368% | 1,086 |
| Net interest margin | 2.7092% | 7,246 |
| Noninterest income to average assets | 0.0446% | 7,356 |
| Noninterest expense to average assets | 2.7785% | 4,583 |
| Loan and lease loss provision to assets | 2.6414% | 413 |
| Net operating income to assets | -2.9305% | 7,497 |
| Return on assets (ROA) | -2.6149% | 7,449 |
| Pretax return on assets | -2.6149% | 7,392 |
| Return on Equity (ROE) | -41.5674% | 7,542 |
| Retained earnings to average equity (ytd only) | -42.8004% | 7,544 |
| Net charge-offs to loans | 0.7187% | 2,421 |
| Credit loss provision to net charge-offs | 547.5771% | 673 |
| Earnings coverage of net charge-offs (x) | -0.5991% | 6,044 |
| Efficiency ratio | 111.6090% | 519 |
| Assets per employee ($millions) | 4.7877% | 2,464 |
| Cash dividends to net income (ytd only)* | -2.9663% | 7,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0414% | 362 |
| Loan loss allowance to noncurrent loans | 37.3765% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 9.8080% | 424 |
| Noncurrent loans to loans | 10.8126% | 379 |
| Net loans and leases to total assets | 64.1843% | 4,224 |
| Net loans and leases to deposits | 75.5592% | 4,410 |
| Net loans and leases to core deposits | 88.6154% | 3,467 |
| Total domestic deposits to total assets | 84.9456% | 3,659 |
| Equity capital to assets | 5.6020% | 7,581 |
| Core capital (leverage) ratio | 5.1223% | 7,592 |
| Tier 1 risk-based capital ratio | 6.9667% | 7,606 |
| Total risk-based capital ratio | 8.2420% | 7,609 |
| Memoranda: | ||
| Average total assets | $188,230,330 | 3,332 |
| Average earning assets | $169,865,000 | 3,346 |
| Average equity | $11,841,000 | 4,722 |
| Average total loans | $126,336,670 | 3,273 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 6,352 |
| Cost of funding earning assets | 1.9520% | 1,242 |
| Net interest margin | 2.7152% | 7,281 |
| Noninterest income to average assets | 0.4724% | 4,275 |
| Noninterest expense to average assets | 2.9178% | 3,988 |
| Loan and lease loss provision to assets | 0.4598% | 2,670 |
| Net operating income to assets | -0.4515% | 6,802 |
| Return on assets (ROA) | -0.4452% | 6,831 |
| Pretax return on assets | -0.4452% | 6,751 |
| Return on Equity (ROE) | -6.7269% | 6,971 |
| Retained earnings to average equity (ytd only) | -9.0324% | 6,899 |
| Net charge-offs to loans | 0.2083% | 3,668 |
| Credit loss provision to net charge-offs | 328.3582% | 1,208 |
| Earnings coverage of net charge-offs (x) | 0.0597% | 4,987 |
| Efficiency ratio | 99.7143% | 851 |
| Assets per employee ($millions) | 4.9982% | 2,231 |
| Cash dividends to net income (ytd only)* | -34.2723% | 7,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 1,336 |
| Loan loss allowance to noncurrent loans | 24.5298% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 9.1987% | 471 |
| Noncurrent loans to loans | 10.0721% | 416 |
| Net loans and leases to total assets | 63.1622% | 4,499 |
| Net loans and leases to deposits | 76.3586% | 4,346 |
| Net loans and leases to core deposits | 89.2802% | 3,460 |
| Total domestic deposits to total assets | 82.7178% | 4,748 |
| Equity capital to assets | 6.6098% | 7,503 |
| Core capital (leverage) ratio | 6.2523% | 7,541 |
| Tier 1 risk-based capital ratio | 8.4137% | 7,566 |
| Total risk-based capital ratio | 9.6734% | 7,581 |
| Memoranda: | ||
| Average total assets | $191,378,500 | 3,348 |
| Average earning assets | $172,951,000 | 3,354 |
| Average equity | $12,665,500 | 4,548 |
| Average total loans | $128,659,500 | 3,282 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2478% | 5,426 |
| Cost of funding earning assets | 2.3373% | 1,501 |
| Net interest margin | 2.9105% | 6,845 |
| Noninterest income to average assets | 0.2975% | 5,974 |
| Noninterest expense to average assets | 2.8940% | 4,552 |
| Loan and lease loss provision to assets | 2.4363% | 824 |
| Net operating income to assets | -2.0664% | 7,120 |
| Return on assets (ROA) | -2.0664% | 7,117 |
| Pretax return on assets | -2.3892% | 7,106 |
| Return on Equity (ROE) | -26.8012% | 7,334 |
| Retained earnings to average equity (ytd only) | -27.7724% | 7,336 |
| Net charge-offs to loans | 3.2194% | 637 |
| Credit loss provision to net charge-offs | 107.7649% | 5,141 |
| Earnings coverage of net charge-offs (x) | 0.0208% | 6,169 |
| Efficiency ratio | 98.3982% | 1,187 |
| Assets per employee ($millions) | 4.9443% | 2,289 |
| Cash dividends to net income (ytd only)* | -3.6237% | 7,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1487% | 1,735 |
| Loan loss allowance to noncurrent loans | 26.8290% | 6,695 |
| Noncurrent assets plus other real estate owned to assets | 7.3294% | 674 |
| Noncurrent loans to loans | 8.0087% | 624 |
| Net loans and leases to total assets | 68.1595% | 3,671 |
| Net loans and leases to deposits | 82.3068% | 3,572 |
| Net loans and leases to core deposits | 117.4982% | 2,178 |
| Total domestic deposits to total assets | 82.8115% | 4,605 |
| Equity capital to assets | 6.6261% | 7,527 |
| Core capital (leverage) ratio | 6.1439% | 7,600 |
| Tier 1 risk-based capital ratio | 8.0737% | 7,641 |
| Total risk-based capital ratio | 9.3319% | 7,652 |
| Memoranda: | ||
| Average total assets | $201,656,400 | 3,161 |
| Average earning assets | $183,163,000 | 3,177 |
| Average equity | $15,547,800 | 3,955 |
| Average total loans | $141,611,000 | 3,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 5,305 |
| Cost of funding earning assets | 2.4242% | 1,550 |
| Net interest margin | 2.9007% | 6,855 |
| Noninterest income to average assets | 0.4454% | 4,930 |
| Noninterest expense to average assets | 2.8286% | 4,768 |
| Loan and lease loss provision to assets | 1.6259% | 1,156 |
| Net operating income to assets | -0.8888% | 6,756 |
| Return on assets (ROA) | -0.8888% | 6,760 |
| Pretax return on assets | -1.3734% | 6,895 |
| Return on Equity (ROE) | -11.1570% | 6,966 |
| Retained earnings to average equity (ytd only) | -12.2735% | 6,959 |
| Net charge-offs to loans | 1.8916% | 1,063 |
| Credit loss provision to net charge-offs | 122.1622% | 4,150 |
| Earnings coverage of net charge-offs (x) | 0.1897% | 5,834 |
| Efficiency ratio | 91.8064% | 1,554 |
| Assets per employee ($millions) | 4.8559% | 2,321 |
| Cash dividends to net income (ytd only)* | -10.0075% | 7,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 1,440 |
| Loan loss allowance to noncurrent loans | 32.5942% | 6,260 |
| Noncurrent assets plus other real estate owned to assets | 6.5488% | 763 |
| Noncurrent loans to loans | 6.7173% | 838 |
| Net loans and leases to total assets | 66.9577% | 4,197 |
| Net loans and leases to deposits | 81.9095% | 4,042 |
| Net loans and leases to core deposits | 115.1393% | 2,711 |
| Total domestic deposits to total assets | 81.7459% | 4,786 |
| Equity capital to assets | 7.9291% | 6,913 |
| Core capital (leverage) ratio | 7.1394% | 7,323 |
| Tier 1 risk-based capital ratio | 9.4143% | 7,428 |
| Total risk-based capital ratio | 10.6730% | 7,396 |
| Memoranda: | ||
| Average total assets | $203,863,750 | 3,161 |
| Average earning assets | $185,238,500 | 3,176 |
| Average equity | $16,240,500 | 3,864 |
| Average total loans | $143,434,750 | 3,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 5,149 |
| Cost of funding earning assets | 2.4937% | 1,636 |
| Net interest margin | 2.9069% | 6,785 |
| Noninterest income to average assets | 0.4361% | 4,975 |
| Noninterest expense to average assets | 2.7656% | 5,112 |
| Loan and lease loss provision to assets | 1.7600% | 948 |
| Net operating income to assets | -1.0017% | 6,988 |
| Return on assets (ROA) | -1.0017% | 6,985 |
| Pretax return on assets | -1.4388% | 7,059 |
| Return on Equity (ROE) | -12.5549% | 7,204 |
| Retained earnings to average equity (ytd only) | -13.1650% | 7,124 |
| Net charge-offs to loans | 1.9298% | 971 |
| Credit loss provision to net charge-offs | 128.5004% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.2345% | 5,435 |
| Efficiency ratio | 89.5932% | 1,850 |
| Assets per employee ($millions) | 5.2041% | 1,852 |
| Cash dividends to net income (ytd only)* | -4.8591% | 7,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0438% | 1,489 |
| Loan loss allowance to noncurrent loans | 43.9335% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 4.6204% | 1,200 |
| Noncurrent loans to loans | 4.6520% | 1,369 |
| Net loans and leases to total assets | 67.5317% | 4,246 |
| Net loans and leases to deposits | 82.4764% | 4,143 |
| Net loans and leases to core deposits | 110.0882% | 3,364 |
| Total domestic deposits to total assets | 81.8801% | 4,738 |
| Equity capital to assets | 7.5465% | 7,222 |
| Core capital (leverage) ratio | 7.0963% | 7,457 |
| Tier 1 risk-based capital ratio | 9.0940% | 7,640 |
| Total risk-based capital ratio | 10.3185% | 7,674 |
| Memoranda: | ||
| Average total assets | $205,455,000 | 3,159 |
| Average earning assets | $187,348,670 | 3,177 |
| Average equity | $16,392,000 | 3,838 |
| Average total loans | $145,816,330 | 3,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3187% | 5,815 |
| Cost of funding earning assets | 2.5708% | 1,655 |
| Net interest margin | 2.7480% | 7,097 |
| Noninterest income to average assets | 0.5585% | 3,852 |
| Noninterest expense to average assets | 2.7653% | 4,721 |
| Loan and lease loss provision to assets | 0.5781% | 2,178 |
| Net operating income to assets | -0.0686% | 6,357 |
| Return on assets (ROA) | -0.0686% | 6,478 |
| Pretax return on assets | -0.2626% | 6,633 |
| Return on Equity (ROE) | -0.8366% | 6,514 |
| Retained earnings to average equity (ytd only) | -1.5538% | 6,010 |
| Net charge-offs to loans | 0.3565% | 2,660 |
| Credit loss provision to net charge-offs | 225.1908% | 2,023 |
| Earnings coverage of net charge-offs (x) | 1.2290% | 4,139 |
| Efficiency ratio | 89.7583% | 1,739 |
| Assets per employee ($millions) | 4.8495% | 2,250 |
| Cash dividends to net income (ytd only)* | -85.7143% | 8,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8211% | 1,803 |
| Loan loss allowance to noncurrent loans | 28.2067% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 5.6305% | 743 |
| Noncurrent loans to loans | 6.4561% | 692 |
| Net loans and leases to total assets | 71.3625% | 3,387 |
| Net loans and leases to deposits | 87.7568% | 3,327 |
| Net loans and leases to core deposits | 114.6412% | 2,940 |
| Total domestic deposits to total assets | 81.3185% | 4,829 |
| Equity capital to assets | 8.2312% | 6,495 |
| Core capital (leverage) ratio | 8.0470% | 6,387 |
| Tier 1 risk-based capital ratio | 10.0406% | 6,871 |
| Total risk-based capital ratio | 11.2954% | 6,779 |
| Memoranda: | ||
| Average total assets | $204,101,000 | 3,199 |
| Average earning assets | $187,337,500 | 3,194 |
| Average equity | $16,733,500 | 3,787 |
| Average total loans | $146,970,000 | 3,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9377% | 5,869 |
| Cost of funding earning assets | 2.8661% | 2,410 |
| Net interest margin | 3.0717% | 6,738 |
| Noninterest income to average assets | 0.5516% | 4,219 |
| Noninterest expense to average assets | 2.7279% | 5,140 |
| Loan and lease loss provision to assets | 1.3471% | 1,050 |
| Net operating income to assets | -0.2801% | 6,716 |
| Return on assets (ROA) | -0.2696% | 6,547 |
| Pretax return on assets | -0.6711% | 6,790 |
| Return on Equity (ROE) | -3.1657% | 6,640 |
| Retained earnings to average equity (ytd only) | -8.4612% | 6,922 |
| Net charge-offs to loans | 1.5563% | 740 |
| Credit loss provision to net charge-offs | 124.2798% | 4,307 |
| Earnings coverage of net charge-offs (x) | 0.6086% | 5,858 |
| Efficiency ratio | 80.5267% | 2,527 |
| Assets per employee ($millions) | 4.7564% | 2,226 |
| Cash dividends to net income (ytd only)* | -167.2794% | 8,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 1,811 |
| Loan loss allowance to noncurrent loans | 27.3434% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 5.0326% | 686 |
| Noncurrent loans to loans | 6.3470% | 515 |
| Net loans and leases to total assets | 70.0956% | 3,996 |
| Net loans and leases to deposits | 88.9895% | 3,639 |
| Net loans and leases to core deposits | 116.9823% | 3,006 |
| Total domestic deposits to total assets | 78.7684% | 5,458 |
| Equity capital to assets | 8.1662% | 6,605 |
| Core capital (leverage) ratio | 8.0888% | 6,341 |
| Tier 1 risk-based capital ratio | 10.1699% | 6,553 |
| Total risk-based capital ratio | 11.4240% | 6,411 |
| Memoranda: | ||
| Average total assets | $201,764,200 | 3,115 |
| Average earning assets | $186,283,600 | 3,098 |
| Average equity | $17,184,400 | 3,702 |
| Average total loans | $140,528,400 | 3,091 |