Home > Cornerstone National Bank > Performance and Condition Ratios
Cornerstone National Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 4,943 |
| Cost of funding earning assets | 0.2835% | 4,282 |
| Net interest margin | 3.1316% | 4,618 |
| Noninterest income to average assets | 0.5315% | 2,829 |
| Noninterest expense to average assets | 3.2205% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1405% | 5,407 |
| Return on assets (ROA) | 0.1405% | 5,414 |
| Pretax return on assets | 0.1879% | 5,398 |
| Return on Equity (ROE) | 1.1135% | 5,418 |
| Retained earnings to average equity (ytd only) | 1.1135% | 4,944 |
| Net charge-offs to loans | -0.0437% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4867% | 277 |
| Assets per employee ($millions) | 5.8584% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7084% | 1,014 |
| Loan loss allowance to noncurrent loans | 2,768.4211% | 263 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 1,347 |
| Noncurrent loans to loans | 0.0617% | 4,836 |
| Net loans and leases to total assets | 41.3257% | 5,143 |
| Net loans and leases to deposits | 47.5019% | 5,205 |
| Net loans and leases to core deposits | 48.6129% | 5,246 |
| Total domestic deposits to total assets | 86.9979% | 1,877 |
| Equity capital to assets | 12.3214% | 1,769 |
| Core capital (leverage) ratio | 11.8762% | 1,767 |
| Tier 1 risk-based capital ratio | 22.8283% | 959 |
| Total risk-based capital ratio | 24.0801% | 947 |
| Memoranda: | ||
| Average total assets | $148,998,500 | 3,516 |
| Average earning assets | $136,879,500 | 3,524 |
| Average equity | $18,799,750 | 3,289 |
| Average total loans | $67,041,250 | 4,062 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 4,927 |
| Cost of funding earning assets | 0.2866% | 4,222 |
| Net interest margin | 3.1378% | 4,577 |
| Noninterest income to average assets | 0.5326% | 2,816 |
| Noninterest expense to average assets | 2.6227% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5259% | 4,627 |
| Return on assets (ROA) | 0.5259% | 4,657 |
| Pretax return on assets | 0.7888% | 4,314 |
| Return on Equity (ROE) | 4.1363% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.1363% | 3,244 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8779% | 1,597 |
| Assets per employee ($millions) | 4.8646% | 2,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6823% | 868 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.2097% | 5,084 |
| Net loans and leases to deposits | 49.6208% | 5,156 |
| Net loans and leases to core deposits | 50.9297% | 5,187 |
| Total domestic deposits to total assets | 87.0799% | 1,908 |
| Equity capital to assets | 12.1343% | 1,840 |
| Core capital (leverage) ratio | 11.8478% | 1,734 |
| Tier 1 risk-based capital ratio | 21.7728% | 1,078 |
| Total risk-based capital ratio | 23.0160% | 1,058 |
| Memoranda: | ||
| Average total assets | $149,844,330 | 3,522 |
| Average earning assets | $137,483,330 | 3,532 |
| Average equity | $19,051,000 | 3,269 |
| Average total loans | $68,862,330 | 4,044 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 5,016 |
| Cost of funding earning assets | 0.2867% | 4,177 |
| Net interest margin | 3.0745% | 4,724 |
| Noninterest income to average assets | 0.5463% | 2,682 |
| Noninterest expense to average assets | 2.7048% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4392% | 4,815 |
| Return on assets (ROA) | 0.4392% | 4,839 |
| Pretax return on assets | 0.6561% | 4,578 |
| Return on Equity (ROE) | 3.3767% | 4,996 |
| Retained earnings to average equity (ytd only) | 3.3767% | 3,746 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4781% | 1,323 |
| Assets per employee ($millions) | 4.9297% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 1,636 |
| Loan loss allowance to noncurrent loans | 3,433.3333% | 221 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 899 |
| Noncurrent loans to loans | 0.0442% | 5,017 |
| Net loans and leases to total assets | 43.7489% | 5,052 |
| Net loans and leases to deposits | 50.6665% | 5,088 |
| Net loans and leases to core deposits | 52.2027% | 5,134 |
| Total domestic deposits to total assets | 86.3467% | 2,517 |
| Equity capital to assets | 12.8131% | 1,346 |
| Core capital (leverage) ratio | 13.1127% | 1,095 |
| Tier 1 risk-based capital ratio | 23.1780% | 952 |
| Total risk-based capital ratio | 24.3958% | 945 |
| Memoranda: | ||
| Average total assets | $149,364,500 | 3,562 |
| Average earning assets | $136,737,000 | 3,579 |
| Average equity | $19,427,000 | 3,232 |
| Average total loans | $70,197,500 | 4,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7212% | 4,151 |
| Cost of funding earning assets | 0.3078% | 3,976 |
| Net interest margin | 3.4134% | 3,773 |
| Noninterest income to average assets | 0.5062% | 3,195 |
| Noninterest expense to average assets | 2.9134% | 2,626 |
| Loan and lease loss provision to assets | -0.1366% | 5,731 |
| Net operating income to assets | 0.5393% | 4,483 |
| Return on assets (ROA) | 0.5902% | 4,362 |
| Pretax return on assets | 0.8969% | 3,861 |
| Return on Equity (ROE) | 4.4548% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.4548% | 2,741 |
| Net charge-offs to loans | -0.0027% | 4,736 |
| Credit loss provision to net charge-offs | 10,000.0000% | 42 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0066% | 1,306 |
| Assets per employee ($millions) | 4.4251% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 2,000 |
| Loan loss allowance to noncurrent loans | 1,303.7975% | 491 |
| Noncurrent assets plus other real estate owned to assets | 1.9195% | 737 |
| Noncurrent loans to loans | 0.1090% | 4,793 |
| Net loans and leases to total assets | 48.9478% | 4,837 |
| Net loans and leases to deposits | 56.6773% | 4,875 |
| Net loans and leases to core deposits | 58.3546% | 4,945 |
| Total domestic deposits to total assets | 86.3623% | 2,426 |
| Equity capital to assets | 13.2802% | 1,143 |
| Core capital (leverage) ratio | 13.3652% | 1,017 |
| Tier 1 risk-based capital ratio | 21.7821% | 1,110 |
| Total risk-based capital ratio | 22.9311% | 1,100 |
| Memoranda: | ||
| Average total assets | $146,391,200 | 3,572 |
| Average earning assets | $132,537,000 | 3,608 |
| Average equity | $19,394,600 | 3,226 |
| Average total loans | $75,278,800 | 3,917 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 3,964 |
| Cost of funding earning assets | 0.4208% | 2,834 |
| Net interest margin | 3.3643% | 3,972 |
| Noninterest income to average assets | 0.4924% | 3,307 |
| Noninterest expense to average assets | 2.8808% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4274% | 4,941 |
| Return on assets (ROA) | 0.4942% | 4,812 |
| Pretax return on assets | 0.7564% | 4,454 |
| Return on Equity (ROE) | 3.7328% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.7328% | 3,652 |
| Net charge-offs to loans | 0.0018% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 719.7820% | 126 |
| Efficiency ratio | 81.5091% | 1,246 |
| Assets per employee ($millions) | 4.4320% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 1,265 |
| Loan loss allowance to noncurrent loans | 4,090.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 2.1237% | 711 |
| Noncurrent loans to loans | 0.0411% | 5,199 |
| Net loans and leases to total assets | 49.1053% | 4,887 |
| Net loans and leases to deposits | 57.0616% | 4,928 |
| Net loans and leases to core deposits | 58.6061% | 5,017 |
| Total domestic deposits to total assets | 86.0567% | 2,322 |
| Equity capital to assets | 13.5515% | 1,225 |
| Core capital (leverage) ratio | 13.0529% | 1,169 |
| Tier 1 risk-based capital ratio | 21.2729% | 1,224 |
| Total risk-based capital ratio | 22.5257% | 1,202 |
| Memoranda: | ||
| Average total assets | $146,481,750 | 3,586 |
| Average earning assets | $132,445,250 | 3,627 |
| Average equity | $19,395,000 | 3,250 |
| Average total loans | $75,971,500 | 3,930 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 3,749 |
| Cost of funding earning assets | 0.4782% | 2,288 |
| Net interest margin | 3.3791% | 3,971 |
| Noninterest income to average assets | 0.4763% | 3,362 |
| Noninterest expense to average assets | 2.9122% | 2,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3992% | 5,032 |
| Return on assets (ROA) | 0.4995% | 4,787 |
| Pretax return on assets | 0.7656% | 4,407 |
| Return on Equity (ROE) | 3.8019% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.8019% | 3,465 |
| Net charge-offs to loans | 0.0026% | 3,619 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 448.0000% | 156 |
| Efficiency ratio | 82.6491% | 1,194 |
| Assets per employee ($millions) | 4.5299% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5895% | 519 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 52.0838% | 4,663 |
| Net loans and leases to deposits | 60.5334% | 4,765 |
| Net loans and leases to core deposits | 62.1323% | 4,877 |
| Total domestic deposits to total assets | 86.0415% | 2,404 |
| Equity capital to assets | 13.1765% | 1,405 |
| Core capital (leverage) ratio | 12.7547% | 1,252 |
| Tier 1 risk-based capital ratio | 19.8612% | 1,488 |
| Total risk-based capital ratio | 21.1125% | 1,449 |
| Memoranda: | ||
| Average total assets | $146,556,670 | 3,607 |
| Average earning assets | $132,165,330 | 3,656 |
| Average equity | $19,253,330 | 3,266 |
| Average total loans | $76,946,330 | 3,925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8654% | 3,710 |
| Cost of funding earning assets | 0.6636% | 975 |
| Net interest margin | 3.2018% | 4,574 |
| Noninterest income to average assets | 0.4439% | 3,525 |
| Noninterest expense to average assets | 2.9664% | 2,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2382% | 5,455 |
| Return on assets (ROA) | 0.4439% | 4,932 |
| Pretax return on assets | 0.6754% | 4,606 |
| Return on Equity (ROE) | 3.3839% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.3839% | 3,807 |
| Net charge-offs to loans | 0.0053% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 446 |
| Efficiency ratio | 89.0728% | 737 |
| Assets per employee ($millions) | 4.4392% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6326% | 1,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6431% | 542 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 50.4662% | 4,763 |
| Net loans and leases to deposits | 58.6998% | 4,803 |
| Net loans and leases to core deposits | 60.4053% | 4,911 |
| Total domestic deposits to total assets | 85.9735% | 2,683 |
| Equity capital to assets | 13.1070% | 1,360 |
| Core capital (leverage) ratio | 12.9467% | 1,180 |
| Tier 1 risk-based capital ratio | 20.0369% | 1,490 |
| Total risk-based capital ratio | 21.2882% | 1,464 |
| Memoranda: | ||
| Average total assets | $145,092,000 | 3,653 |
| Average earning assets | $130,800,000 | 3,702 |
| Average equity | $19,031,500 | 3,298 |
| Average total loans | $75,877,000 | 3,974 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0146% | 3,259 |
| Cost of funding earning assets | 0.3591% | 3,597 |
| Net interest margin | 3.6555% | 2,917 |
| Noninterest income to average assets | 0.0287% | 6,050 |
| Noninterest expense to average assets | 3.1699% | 2,037 |
| Loan and lease loss provision to assets | -0.2097% | 5,992 |
| Net operating income to assets | 0.8826% | 2,969 |
| Return on assets (ROA) | 1.0091% | 2,405 |
| Pretax return on assets | 0.4745% | 5,167 |
| Return on Equity (ROE) | 7.9888% | 2,964 |
| Retained earnings to average equity (ytd only) | 5.0843% | 2,360 |
| Net charge-offs to loans | -0.0090% | 5,087 |
| Credit loss provision to net charge-offs | 4,285.7143% | 88 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8175% | 403 |
| Assets per employee ($millions) | 4.2262% | 3,527 |
| Cash dividends to net income (ytd only)* | 36.3573% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6032% | 1,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7037% | 540 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.4525% | 4,653 |
| Net loans and leases to deposits | 61.7293% | 4,651 |
| Net loans and leases to core deposits | 63.8147% | 4,745 |
| Total domestic deposits to total assets | 84.9718% | 3,105 |
| Equity capital to assets | 13.1269% | 1,289 |
| Core capital (leverage) ratio | 12.9065% | 1,181 |
| Tier 1 risk-based capital ratio | 19.4254% | 1,604 |
| Total risk-based capital ratio | 20.6776% | 1,567 |
| Memoranda: | ||
| Average total assets | $143,095,000 | 3,675 |
| Average earning assets | $128,382,000 | 3,734 |
| Average equity | $18,075,200 | 3,374 |
| Average total loans | $78,058,800 | 3,884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,255 |
| Cost of funding earning assets | 0.3569% | 3,677 |
| Net interest margin | 3.6639% | 2,915 |
| Noninterest income to average assets | 0.0047% | 6,182 |
| Noninterest expense to average assets | 3.2571% | 1,804 |
| Loan and lease loss provision to assets | -0.2798% | 6,142 |
| Net operating income to assets | 0.3115% | 5,421 |
| Return on assets (ROA) | 0.4804% | 4,957 |
| Pretax return on assets | 0.4804% | 5,268 |
| Return on Equity (ROE) | 3.8406% | 5,094 |
| Retained earnings to average equity (ytd only) | -0.0746% | 5,609 |
| Net charge-offs to loans | -0.0119% | 5,049 |
| Credit loss provision to net charge-offs | 4,285.7143% | 98 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0357% | 321 |
| Assets per employee ($millions) | 4.4590% | 3,084 |
| Cash dividends to net income (ytd only)* | 101.9413% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 1,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6913% | 333 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 52.8608% | 4,673 |
| Net loans and leases to deposits | 61.6775% | 4,742 |
| Net loans and leases to core deposits | 63.5177% | 4,842 |
| Total domestic deposits to total assets | 85.7052% | 2,690 |
| Equity capital to assets | 12.5806% | 1,698 |
| Core capital (leverage) ratio | 12.5358% | 1,393 |
| Tier 1 risk-based capital ratio | 18.1872% | 1,985 |
| Total risk-based capital ratio | 19.4376% | 1,951 |
| Memoranda: | ||
| Average total assets | $142,946,250 | 3,701 |
| Average earning assets | $128,128,500 | 3,771 |
| Average equity | $17,878,500 | 3,424 |
| Average total loans | $78,424,250 | 3,910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 3,070 |
| Cost of funding earning assets | 0.3576% | 3,730 |
| Net interest margin | 3.6927% | 2,742 |
| Noninterest income to average assets | -0.2083% | 6,320 |
| Noninterest expense to average assets | 3.2119% | 1,951 |
| Loan and lease loss provision to assets | -0.4195% | 6,261 |
| Net operating income to assets | 0.3062% | 5,425 |
| Return on assets (ROA) | 0.4377% | 5,109 |
| Pretax return on assets | 0.4377% | 5,384 |
| Return on Equity (ROE) | 3.5062% | 5,225 |
| Retained earnings to average equity (ytd only) | -2.3748% | 5,863 |
| Net charge-offs to loans | -0.0177% | 5,132 |
| Credit loss provision to net charge-offs | 4,285.7143% | 101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.6552% | 257 |
| Assets per employee ($millions) | 4.1782% | 3,512 |
| Cash dividends to net income (ytd only)* | 167.7316% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 2,098 |
| Loan loss allowance to noncurrent loans | 153.3084% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 4.1469% | 311 |
| Noncurrent loans to loans | 1.0069% | 2,632 |
| Net loans and leases to total assets | 55.1341% | 4,433 |
| Net loans and leases to deposits | 64.8380% | 4,457 |
| Net loans and leases to core deposits | 67.0063% | 4,570 |
| Total domestic deposits to total assets | 85.0337% | 3,107 |
| Equity capital to assets | 12.4230% | 1,700 |
| Core capital (leverage) ratio | 12.3773% | 1,444 |
| Tier 1 risk-based capital ratio | 17.9301% | 2,081 |
| Total risk-based capital ratio | 19.1800% | 2,038 |
| Memoranda: | ||
| Average total assets | $143,032,330 | 3,731 |
| Average earning assets | $128,090,330 | 3,795 |
| Average equity | $17,854,330 | 3,442 |
| Average total loans | $79,014,330 | 3,913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,223 |
| Cost of funding earning assets | 0.3588% | 3,767 |
| Net interest margin | 3.6437% | 2,842 |
| Noninterest income to average assets | -0.7664% | 6,406 |
| Noninterest expense to average assets | 2.9153% | 2,855 |
| Loan and lease loss provision to assets | -0.8361% | 6,375 |
| Net operating income to assets | 0.4097% | 5,036 |
| Return on assets (ROA) | 0.4097% | 5,146 |
| Pretax return on assets | 0.4097% | 5,411 |
| Return on Equity (ROE) | 3.2744% | 5,263 |
| Retained earnings to average equity (ytd only) | -8.4199% | 6,093 |
| Net charge-offs to loans | -0.0508% | 5,519 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1333% | 142 |
| Assets per employee ($millions) | 4.5022% | 3,053 |
| Cash dividends to net income (ytd only)* | 357.1429% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,204 |
| Loan loss allowance to noncurrent loans | 153.6829% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 4.2028% | 345 |
| Noncurrent loans to loans | 1.0131% | 2,737 |
| Net loans and leases to total assets | 54.0269% | 4,443 |
| Net loans and leases to deposits | 63.6690% | 4,403 |
| Net loans and leases to core deposits | 65.7687% | 4,539 |
| Total domestic deposits to total assets | 84.8559% | 3,477 |
| Equity capital to assets | 12.3830% | 1,767 |
| Core capital (leverage) ratio | 12.3187% | 1,447 |
| Tier 1 risk-based capital ratio | 17.6366% | 2,260 |
| Total risk-based capital ratio | 18.8808% | 2,221 |
| Memoranda: | ||
| Average total assets | $143,519,000 | 3,751 |
| Average earning assets | $128,222,000 | 3,825 |
| Average equity | $17,957,500 | 3,451 |
| Average total loans | $78,746,000 | 3,940 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 2,983 |
| Cost of funding earning assets | 0.4963% | 2,706 |
| Net interest margin | 3.6931% | 3,031 |
| Noninterest income to average assets | 0.3168% | 4,853 |
| Noninterest expense to average assets | 2.9731% | 2,921 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6014% | 4,358 |
| Return on assets (ROA) | 0.7237% | 3,884 |
| Pretax return on assets | 0.7237% | 4,536 |
| Return on Equity (ROE) | 6.1923% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.1923% | 1,815 |
| Net charge-offs to loans | 0.0325% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,201 |
| Efficiency ratio | 83.1763% | 1,497 |
| Assets per employee ($millions) | 4.3324% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 1,220 |
| Loan loss allowance to noncurrent loans | 191.3208% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 5.0864% | 267 |
| Noncurrent loans to loans | 1.0137% | 2,799 |
| Net loans and leases to total assets | 53.7907% | 4,605 |
| Net loans and leases to deposits | 64.4670% | 4,479 |
| Net loans and leases to core deposits | 66.5006% | 4,632 |
| Total domestic deposits to total assets | 83.4391% | 3,936 |
| Equity capital to assets | 12.6426% | 1,572 |
| Core capital (leverage) ratio | 12.4773% | 1,364 |
| Tier 1 risk-based capital ratio | 18.4008% | 2,016 |
| Total risk-based capital ratio | 19.6547% | 1,985 |
| Memoranda: | ||
| Average total assets | $145,503,800 | 3,701 |
| Average earning assets | $128,347,600 | 3,801 |
| Average equity | $17,005,000 | 3,524 |
| Average total loans | $76,927,000 | 3,971 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,014 |
| Cost of funding earning assets | 0.5116% | 2,642 |
| Net interest margin | 3.6818% | 3,099 |
| Noninterest income to average assets | 0.3020% | 5,029 |
| Noninterest expense to average assets | 2.9852% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5602% | 4,633 |
| Return on assets (ROA) | 0.6523% | 4,303 |
| Pretax return on assets | 0.6523% | 4,865 |
| Return on Equity (ROE) | 5.6957% | 4,397 |
| Retained earnings to average equity (ytd only) | 5.6957% | 2,610 |
| Net charge-offs to loans | 0.0435% | 3,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 24.5620% | 1,540 |
| Efficiency ratio | 84.1997% | 1,366 |
| Assets per employee ($millions) | 4.3390% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9950% | 1,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.8014% | 369 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 52.1835% | 4,786 |
| Net loans and leases to deposits | 62.1135% | 4,728 |
| Net loans and leases to core deposits | 63.9162% | 4,885 |
| Total domestic deposits to total assets | 84.0132% | 3,759 |
| Equity capital to assets | 12.1617% | 1,935 |
| Core capital (leverage) ratio | 12.1417% | 1,608 |
| Tier 1 risk-based capital ratio | 17.9825% | 2,217 |
| Total risk-based capital ratio | 19.2365% | 2,173 |
| Memoranda: | ||
| Average total assets | $146,137,500 | 3,725 |
| Average earning assets | $128,737,500 | 3,815 |
| Average equity | $16,737,500 | 3,583 |
| Average total loans | $76,552,500 | 4,009 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,036 |
| Cost of funding earning assets | 0.5370% | 2,469 |
| Net interest margin | 3.6415% | 3,181 |
| Noninterest income to average assets | 0.2216% | 5,621 |
| Noninterest expense to average assets | 3.0179% | 2,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4024% | 5,214 |
| Return on assets (ROA) | 0.4024% | 5,293 |
| Pretax return on assets | 0.4024% | 5,555 |
| Return on Equity (ROE) | 3.5853% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.5853% | 3,911 |
| Net charge-offs to loans | 0.1044% | 2,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.4000% | 2,639 |
| Efficiency ratio | 88.2353% | 1,063 |
| Assets per employee ($millions) | 4.4739% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 1,424 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.4024% | 316 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.8538% | 4,870 |
| Net loans and leases to deposits | 60.0083% | 4,867 |
| Net loans and leases to core deposits | 62.1492% | 4,959 |
| Total domestic deposits to total assets | 84.7445% | 3,620 |
| Equity capital to assets | 11.5288% | 2,396 |
| Core capital (leverage) ratio | 11.5939% | 1,928 |
| Tier 1 risk-based capital ratio | 17.4396% | 2,444 |
| Total risk-based capital ratio | 18.6927% | 2,411 |
| Memoranda: | ||
| Average total assets | $147,121,000 | 3,729 |
| Average earning assets | $129,231,000 | 3,828 |
| Average equity | $16,512,000 | 3,614 |
| Average total loans | $76,656,330 | 4,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,146 |
| Cost of funding earning assets | 0.5576% | 2,368 |
| Net interest margin | 3.5793% | 3,338 |
| Noninterest income to average assets | 0.1471% | 6,088 |
| Noninterest expense to average assets | 2.9633% | 3,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3132% | 5,445 |
| Return on assets (ROA) | 0.3132% | 5,495 |
| Pretax return on assets | 0.3132% | 5,682 |
| Return on Equity (ROE) | 2.8295% | 5,518 |
| Retained earnings to average equity (ytd only) | 2.8295% | 4,395 |
| Net charge-offs to loans | -0.1825% | 6,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4406% | 992 |
| Assets per employee ($millions) | 4.6063% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0710% | 1,382 |
| Loan loss allowance to noncurrent loans | 328.6902% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 5.9619% | 286 |
| Noncurrent loans to loans | 0.6301% | 4,287 |
| Net loans and leases to total assets | 50.7184% | 4,826 |
| Net loans and leases to deposits | 59.5764% | 4,804 |
| Net loans and leases to core deposits | 61.8188% | 4,900 |
| Total domestic deposits to total assets | 85.1318% | 3,808 |
| Equity capital to assets | 11.1450% | 2,578 |
| Core capital (leverage) ratio | 11.4887% | 1,971 |
| Tier 1 risk-based capital ratio | 17.2245% | 2,588 |
| Total risk-based capital ratio | 18.4794% | 2,543 |
| Memoranda: | ||
| Average total assets | $146,862,000 | 3,756 |
| Average earning assets | $128,404,000 | 3,880 |
| Average equity | $16,257,500 | 3,657 |
| Average total loans | $76,691,500 | 4,042 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 2,538 |
| Cost of funding earning assets | 0.6897% | 1,891 |
| Net interest margin | 3.7231% | 2,960 |
| Noninterest income to average assets | -0.1793% | 6,749 |
| Noninterest expense to average assets | 3.0253% | 2,978 |
| Loan and lease loss provision to assets | -0.1673% | 6,564 |
| Net operating income to assets | 0.1271% | 5,984 |
| Return on assets (ROA) | 0.1271% | 6,046 |
| Pretax return on assets | 0.1271% | 6,052 |
| Return on Equity (ROE) | 1.1560% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.1560% | 5,311 |
| Net charge-offs to loans | 0.1299% | 3,514 |
| Credit loss provision to net charge-offs | -235.8491% | 6,008 |
| Earnings coverage of net charge-offs (x) | -0.5660% | 5,211 |
| Efficiency ratio | 101.3450% | 441 |
| Assets per employee ($millions) | 4.4340% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 1,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 7.0359% | 240 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.5958% | 4,908 |
| Net loans and leases to deposits | 60.6024% | 4,881 |
| Net loans and leases to core deposits | 62.7403% | 4,995 |
| Total domestic deposits to total assets | 85.1383% | 3,673 |
| Equity capital to assets | 10.9942% | 2,618 |
| Core capital (leverage) ratio | 11.4451% | 2,002 |
| Tier 1 risk-based capital ratio | 16.8279% | 2,691 |
| Total risk-based capital ratio | 18.0812% | 2,648 |
| Memoranda: | ||
| Average total assets | $149,439,600 | 3,714 |
| Average earning assets | $127,017,200 | 3,904 |
| Average equity | $16,435,400 | 3,638 |
| Average total loans | $81,602,400 | 3,890 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 2,508 |
| Cost of funding earning assets | 0.7123% | 1,869 |
| Net interest margin | 3.7126% | 2,982 |
| Noninterest income to average assets | -0.3399% | 6,856 |
| Noninterest expense to average assets | 3.0337% | 2,875 |
| Loan and lease loss provision to assets | -0.0888% | 6,613 |
| Net operating income to assets | -0.1438% | 6,428 |
| Return on assets (ROA) | -0.1438% | 6,457 |
| Pretax return on assets | -0.1438% | 6,435 |
| Return on Equity (ROE) | -1.3072% | 6,443 |
| Retained earnings to average equity (ytd only) | -1.3072% | 6,174 |
| Net charge-offs to loans | -0.0338% | 6,191 |
| Credit loss provision to net charge-offs | 476.1905% | 564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3016% | 291 |
| Assets per employee ($millions) | 4.0887% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3253% | 1,145 |
| Loan loss allowance to noncurrent loans | 402.4283% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 7.9549% | 223 |
| Noncurrent loans to loans | 0.5778% | 4,758 |
| Net loans and leases to total assets | 52.0239% | 4,870 |
| Net loans and leases to deposits | 60.8593% | 4,887 |
| Net loans and leases to core deposits | 63.1156% | 4,997 |
| Total domestic deposits to total assets | 85.4822% | 3,502 |
| Equity capital to assets | 10.6990% | 3,071 |
| Core capital (leverage) ratio | 10.9384% | 2,540 |
| Tier 1 risk-based capital ratio | 16.0483% | 3,170 |
| Total risk-based capital ratio | 17.3042% | 3,125 |
| Memoranda: | ||
| Average total assets | $150,219,000 | 3,736 |
| Average earning assets | $127,094,000 | 3,934 |
| Average equity | $16,522,500 | 3,669 |
| Average total loans | $82,742,500 | 3,890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,413 |
| Cost of funding earning assets | 0.7266% | 1,871 |
| Net interest margin | 3.7148% | 2,901 |
| Noninterest income to average assets | -0.5303% | 6,911 |
| Noninterest expense to average assets | 3.0299% | 2,906 |
| Loan and lease loss provision to assets | -0.1323% | 6,735 |
| Net operating income to assets | -0.3042% | 6,551 |
| Return on assets (ROA) | -0.3042% | 6,582 |
| Pretax return on assets | -0.3042% | 6,555 |
| Return on Equity (ROE) | -2.7412% | 6,561 |
| Retained earnings to average equity (ytd only) | -2.7412% | 6,276 |
| Net charge-offs to loans | -0.0261% | 6,057 |
| Credit loss provision to net charge-offs | 909.0909% | 335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.8281% | 207 |
| Assets per employee ($millions) | 4.2103% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1758% | 1,472 |
| Loan loss allowance to noncurrent loans | 400.4415% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 9.0137% | 185 |
| Noncurrent loans to loans | 0.5433% | 4,897 |
| Net loans and leases to total assets | 53.8088% | 4,617 |
| Net loans and leases to deposits | 63.6555% | 4,547 |
| Net loans and leases to core deposits | 66.7747% | 4,619 |
| Total domestic deposits to total assets | 84.5312% | 4,113 |
| Equity capital to assets | 10.6499% | 3,119 |
| Core capital (leverage) ratio | 10.8044% | 2,558 |
| Tier 1 risk-based capital ratio | 15.3270% | 3,580 |
| Total risk-based capital ratio | 16.5914% | 3,527 |
| Memoranda: | ||
| Average total assets | $151,228,000 | 3,742 |
| Average earning assets | $127,168,330 | 3,959 |
| Average equity | $16,780,670 | 3,654 |
| Average total loans | $84,190,670 | 3,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,790 |
| Cost of funding earning assets | 0.7417% | 1,909 |
| Net interest margin | 3.5817% | 3,337 |
| Noninterest income to average assets | 0.2780% | 5,465 |
| Noninterest expense to average assets | 2.9393% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3310% | 5,441 |
| Return on assets (ROA) | 0.3310% | 5,578 |
| Pretax return on assets | 0.3310% | 5,773 |
| Return on Equity (ROE) | 2.9240% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.9240% | 4,526 |
| Net charge-offs to loans | -0.0473% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8785% | 1,156 |
| Assets per employee ($millions) | 4.1881% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3196% | 1,377 |
| Loan loss allowance to noncurrent loans | 149.9608% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 11.0725% | 154 |
| Noncurrent loans to loans | 1.5468% | 3,231 |
| Net loans and leases to total assets | 53.4032% | 4,498 |
| Net loans and leases to deposits | 63.8332% | 4,335 |
| Net loans and leases to core deposits | 66.9705% | 4,419 |
| Total domestic deposits to total assets | 83.6605% | 4,608 |
| Equity capital to assets | 11.3557% | 2,575 |
| Core capital (leverage) ratio | 11.3072% | 2,009 |
| Tier 1 risk-based capital ratio | 15.6973% | 3,426 |
| Total risk-based capital ratio | 16.9623% | 3,382 |
| Memoranda: | ||
| Average total assets | $151,057,000 | 3,786 |
| Average earning assets | $126,195,500 | 4,014 |
| Average equity | $17,100,000 | 3,654 |
| Average total loans | $84,600,000 | 3,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 3,339 |
| Cost of funding earning assets | 0.8950% | 1,967 |
| Net interest margin | 3.6198% | 4,003 |
| Noninterest income to average assets | 0.0745% | 6,607 |
| Noninterest expense to average assets | 2.9745% | 3,365 |
| Loan and lease loss provision to assets | 0.2967% | 2,306 |
| Net operating income to assets | -0.1483% | 6,341 |
| Return on assets (ROA) | 0.0461% | 6,234 |
| Pretax return on assets | 0.0461% | 6,223 |
| Return on Equity (ROE) | 0.4273% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.4273% | 5,642 |
| Net charge-offs to loans | 0.6667% | 1,766 |
| Credit loss provision to net charge-offs | 77.0492% | 3,926 |
| Earnings coverage of net charge-offs (x) | 0.3852% | 5,291 |
| Efficiency ratio | 95.2496% | 737 |
| Assets per employee ($millions) | 4.2040% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,567 |
| Loan loss allowance to noncurrent loans | 170.7361% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 11.2571% | 171 |
| Noncurrent loans to loans | 1.2838% | 3,692 |
| Net loans and leases to total assets | 56.0775% | 4,279 |
| Net loans and leases to deposits | 67.1312% | 4,114 |
| Net loans and leases to core deposits | 70.9212% | 4,178 |
| Total domestic deposits to total assets | 83.5342% | 4,527 |
| Equity capital to assets | 11.2849% | 2,642 |
| Core capital (leverage) ratio | 10.7856% | 2,458 |
| Tier 1 risk-based capital ratio | 14.8941% | 3,779 |
| Total risk-based capital ratio | 16.1582% | 3,721 |
| Memoranda: | ||
| Average total assets | $158,411,400 | 3,647 |
| Average earning assets | $133,405,200 | 3,836 |
| Average equity | $17,084,200 | 3,616 |
| Average total loans | $91,502,200 | 3,707 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 3,685 |
| Cost of funding earning assets | 0.9180% | 2,055 |
| Net interest margin | 3.5694% | 4,359 |
| Noninterest income to average assets | 0.0400% | 6,834 |
| Noninterest expense to average assets | 2.9308% | 3,475 |
| Loan and lease loss provision to assets | 0.3912% | 1,641 |
| Net operating income to assets | -0.2689% | 6,550 |
| Return on assets (ROA) | -0.0974% | 6,496 |
| Pretax return on assets | -0.0974% | 6,479 |
| Return on Equity (ROE) | -0.9131% | 6,498 |
| Retained earnings to average equity (ytd only) | -0.9131% | 6,260 |
| Net charge-offs to loans | 0.7121% | 1,550 |
| Credit loss provision to net charge-offs | 94.9495% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.2970% | 5,177 |
| Efficiency ratio | 95.9924% | 678 |
| Assets per employee ($millions) | 4.3584% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2297% | 1,649 |
| Loan loss allowance to noncurrent loans | 51.9444% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 11.4063% | 178 |
| Noncurrent loans to loans | 4.2924% | 1,136 |
| Net loans and leases to total assets | 56.3689% | 4,390 |
| Net loans and leases to deposits | 67.0724% | 4,327 |
| Net loans and leases to core deposits | 72.0659% | 4,244 |
| Total domestic deposits to total assets | 84.0418% | 4,199 |
| Equity capital to assets | 10.9468% | 3,331 |
| Core capital (leverage) ratio | 10.3513% | 3,105 |
| Tier 1 risk-based capital ratio | 14.3524% | 4,295 |
| Total risk-based capital ratio | 15.6166% | 4,256 |
| Memoranda: | ||
| Average total assets | $160,178,250 | 3,654 |
| Average earning assets | $135,220,250 | 3,847 |
| Average equity | $17,085,500 | 3,639 |
| Average total loans | $92,684,750 | 3,722 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 3,875 |
| Cost of funding earning assets | 0.9473% | 2,082 |
| Net interest margin | 3.5270% | 4,560 |
| Noninterest income to average assets | 0.4192% | 4,510 |
| Noninterest expense to average assets | 3.1711% | 2,681 |
| Loan and lease loss provision to assets | 0.4279% | 1,527 |
| Net operating income to assets | -0.2108% | 6,556 |
| Return on assets (ROA) | 0.0000% | 6,454 |
| Pretax return on assets | 0.0000% | 6,445 |
| Return on Equity (ROE) | 0.0000% | 6,455 |
| Retained earnings to average equity (ytd only) | 0.0000% | 6,031 |
| Net charge-offs to loans | 0.7343% | 1,505 |
| Credit loss provision to net charge-offs | 100.5831% | 2,701 |
| Earnings coverage of net charge-offs (x) | 0.5102% | 4,818 |
| Efficiency ratio | 93.5944% | 826 |
| Assets per employee ($millions) | 4.4783% | 2,942 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,780 |
| Loan loss allowance to noncurrent loans | 42.4330% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 11.8672% | 185 |
| Noncurrent loans to loans | 5.1713% | 932 |
| Net loans and leases to total assets | 56.5108% | 4,394 |
| Net loans and leases to deposits | 66.8445% | 4,387 |
| Net loans and leases to core deposits | 72.1618% | 4,279 |
| Total domestic deposits to total assets | 84.5407% | 4,085 |
| Equity capital to assets | 10.6626% | 3,495 |
| Core capital (leverage) ratio | 10.4262% | 2,886 |
| Tier 1 risk-based capital ratio | 13.9971% | 4,449 |
| Total risk-based capital ratio | 15.2608% | 4,400 |
| Memoranda: | ||
| Average total assets | $161,269,670 | 3,640 |
| Average earning assets | $135,751,670 | 3,854 |
| Average equity | $17,055,330 | 3,636 |
| Average total loans | $93,425,670 | 3,724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 3,735 |
| Cost of funding earning assets | 0.9881% | 2,046 |
| Net interest margin | 3.5578% | 4,453 |
| Noninterest income to average assets | 0.3645% | 4,959 |
| Noninterest expense to average assets | 3.2660% | 2,394 |
| Loan and lease loss provision to assets | 0.3348% | 1,870 |
| Net operating income to assets | -0.2629% | 6,686 |
| Return on assets (ROA) | -0.2629% | 6,727 |
| Pretax return on assets | -0.2629% | 6,705 |
| Return on Equity (ROE) | -2.4959% | 6,723 |
| Retained earnings to average equity (ytd only) | -2.4959% | 6,339 |
| Net charge-offs to loans | 0.3548% | 2,240 |
| Credit loss provision to net charge-offs | 162.6506% | 1,564 |
| Earnings coverage of net charge-offs (x) | 0.3494% | 4,185 |
| Efficiency ratio | 97.8455% | 643 |
| Assets per employee ($millions) | 4.3967% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2337% | 1,818 |
| Loan loss allowance to noncurrent loans | 45.3836% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 12.5493% | 182 |
| Noncurrent loans to loans | 4.9218% | 1,149 |
| Net loans and leases to total assets | 57.9056% | 4,052 |
| Net loans and leases to deposits | 68.5661% | 3,958 |
| Net loans and leases to core deposits | 74.1685% | 3,879 |
| Total domestic deposits to total assets | 84.4522% | 4,297 |
| Equity capital to assets | 10.7089% | 3,259 |
| Core capital (leverage) ratio | 10.2703% | 3,036 |
| Tier 1 risk-based capital ratio | 13.5903% | 4,759 |
| Total risk-based capital ratio | 14.8538% | 4,735 |
| Memoranda: | ||
| Average total assets | $161,296,000 | 3,659 |
| Average earning assets | $134,803,000 | 3,905 |
| Average equity | $16,988,000 | 3,651 |
| Average total loans | $93,564,000 | 3,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6142% | 4,616 |
| Cost of funding earning assets | 1.2615% | 1,670 |
| Net interest margin | 3.3527% | 5,641 |
| Noninterest income to average assets | 0.3263% | 5,208 |
| Noninterest expense to average assets | 3.1021% | 3,188 |
| Loan and lease loss provision to assets | 0.3953% | 2,624 |
| Net operating income to assets | -0.8342% | 6,671 |
| Return on assets (ROA) | -0.8342% | 6,700 |
| Pretax return on assets | -0.2985% | 6,351 |
| Return on Equity (ROE) | -8.0143% | 6,679 |
| Retained earnings to average equity (ytd only) | -8.0143% | 6,626 |
| Net charge-offs to loans | 1.2474% | 1,337 |
| Credit loss provision to net charge-offs | 50.3381% | 5,414 |
| Earnings coverage of net charge-offs (x) | 0.1232% | 5,742 |
| Efficiency ratio | 96.9753% | 769 |
| Assets per employee ($millions) | 4.6946% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 1,823 |
| Loan loss allowance to noncurrent loans | 49.9755% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 12.5560% | 185 |
| Noncurrent loans to loans | 4.3756% | 1,378 |
| Net loans and leases to total assets | 55.5888% | 4,780 |
| Net loans and leases to deposits | 65.5615% | 4,793 |
| Net loans and leases to core deposits | 71.0798% | 4,638 |
| Total domestic deposits to total assets | 84.7887% | 3,965 |
| Equity capital to assets | 10.3620% | 3,694 |
| Core capital (leverage) ratio | 9.9874% | 3,350 |
| Tier 1 risk-based capital ratio | 13.5482% | 4,661 |
| Total risk-based capital ratio | 14.8110% | 4,622 |
| Memoranda: | ||
| Average total assets | $169,500,200 | 3,497 |
| Average earning assets | $145,226,200 | 3,651 |
| Average equity | $17,643,400 | 3,483 |
| Average total loans | $106,701,400 | 3,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6514% | 4,670 |
| Cost of funding earning assets | 1.2510% | 1,993 |
| Net interest margin | 3.4005% | 5,567 |
| Noninterest income to average assets | 0.3013% | 5,456 |
| Noninterest expense to average assets | 3.1155% | 3,101 |
| Loan and lease loss provision to assets | 0.3083% | 3,060 |
| Net operating income to assets | -0.9009% | 6,840 |
| Return on assets (ROA) | -0.9009% | 6,878 |
| Pretax return on assets | -0.1920% | 6,406 |
| Return on Equity (ROE) | -8.6451% | 6,851 |
| Retained earnings to average equity (ytd only) | -8.6451% | 6,805 |
| Net charge-offs to loans | 1.1475% | 1,375 |
| Credit loss provision to net charge-offs | 41.7107% | 5,206 |
| Earnings coverage of net charge-offs (x) | 0.1573% | 5,489 |
| Efficiency ratio | 96.4010% | 796 |
| Assets per employee ($millions) | 4.6199% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,892 |
| Loan loss allowance to noncurrent loans | 32.9000% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 12.5431% | 206 |
| Noncurrent loans to loans | 6.6410% | 785 |
| Net loans and leases to total assets | 57.9010% | 4,531 |
| Net loans and leases to deposits | 69.2179% | 4,425 |
| Net loans and leases to core deposits | 75.2887% | 4,283 |
| Total domestic deposits to total assets | 83.6503% | 4,402 |
| Equity capital to assets | 10.3983% | 3,832 |
| Core capital (leverage) ratio | 10.0336% | 3,388 |
| Tier 1 risk-based capital ratio | 13.4665% | 4,762 |
| Total risk-based capital ratio | 14.7295% | 4,721 |
| Memoranda: | ||
| Average total assets | $170,797,250 | 3,505 |
| Average earning assets | $147,190,750 | 3,645 |
| Average equity | $17,797,750 | 3,456 |
| Average total loans | $110,031,500 | 3,410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 4,455 |
| Cost of funding earning assets | 1.3113% | 1,872 |
| Net interest margin | 3.4073% | 5,529 |
| Noninterest income to average assets | 0.3401% | 5,160 |
| Noninterest expense to average assets | 3.1679% | 3,016 |
| Loan and lease loss provision to assets | 0.3018% | 2,994 |
| Net operating income to assets | -0.1857% | 6,458 |
| Return on assets (ROA) | -0.1857% | 6,497 |
| Pretax return on assets | -0.1857% | 6,445 |
| Return on Equity (ROE) | -1.7812% | 6,496 |
| Retained earnings to average equity (ytd only) | -1.7812% | 6,215 |
| Net charge-offs to loans | 0.8043% | 1,896 |
| Credit loss provision to net charge-offs | 56.7686% | 4,419 |
| Earnings coverage of net charge-offs (x) | 0.2183% | 5,146 |
| Efficiency ratio | 96.4652% | 857 |
| Assets per employee ($millions) | 4.6854% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3373% | 1,683 |
| Loan loss allowance to noncurrent loans | 36.1472% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 11.8855% | 266 |
| Noncurrent loans to loans | 6.4659% | 864 |
| Net loans and leases to total assets | 62.0551% | 3,876 |
| Net loans and leases to deposits | 74.3916% | 3,732 |
| Net loans and leases to core deposits | 82.1066% | 3,487 |
| Total domestic deposits to total assets | 83.4167% | 4,576 |
| Equity capital to assets | 10.7235% | 3,260 |
| Core capital (leverage) ratio | 10.0949% | 3,151 |
| Tier 1 risk-based capital ratio | 13.2849% | 4,703 |
| Total risk-based capital ratio | 14.5505% | 4,665 |
| Memoranda: | ||
| Average total assets | $172,291,330 | 3,494 |
| Average earning assets | $148,858,670 | 3,639 |
| Average equity | $17,965,670 | 3,420 |
| Average total loans | $113,892,330 | 3,364 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 4,399 |
| Cost of funding earning assets | 1.3584% | 1,836 |
| Net interest margin | 3.3655% | 5,559 |
| Noninterest income to average assets | 0.2987% | 5,530 |
| Noninterest expense to average assets | 2.8673% | 4,206 |
| Loan and lease loss provision to assets | 0.3446% | 2,497 |
| Net operating income to assets | 0.0069% | 6,335 |
| Return on assets (ROA) | 0.0069% | 6,369 |
| Pretax return on assets | 0.0069% | 6,342 |
| Return on Equity (ROE) | 0.0670% | 6,370 |
| Retained earnings to average equity (ytd only) | 0.0670% | 5,767 |
| Net charge-offs to loans | 0.7710% | 1,671 |
| Credit loss provision to net charge-offs | 66.3717% | 3,427 |
| Earnings coverage of net charge-offs (x) | 0.6770% | 4,115 |
| Efficiency ratio | 89.0792% | 1,413 |
| Assets per employee ($millions) | 4.7080% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2926% | 1,775 |
| Loan loss allowance to noncurrent loans | 33.8793% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 11.8171% | 281 |
| Noncurrent loans to loans | 6.7670% | 846 |
| Net loans and leases to total assets | 64.2715% | 3,392 |
| Net loans and leases to deposits | 76.9250% | 3,270 |
| Net loans and leases to core deposits | 88.4171% | 2,546 |
| Total domestic deposits to total assets | 83.5508% | 4,677 |
| Equity capital to assets | 10.3228% | 3,387 |
| Core capital (leverage) ratio | 10.2366% | 2,883 |
| Tier 1 risk-based capital ratio | 12.7092% | 5,057 |
| Total risk-based capital ratio | 13.9741% | 5,015 |
| Memoranda: | ||
| Average total assets | $174,099,000 | 3,483 |
| Average earning assets | $151,060,500 | 3,623 |
| Average equity | $17,904,500 | 3,412 |
| Average total loans | $117,250,000 | 3,302 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 5,437 |
| Cost of funding earning assets | 1.6810% | 1,684 |
| Net interest margin | 3.1128% | 6,490 |
| Noninterest income to average assets | 0.2261% | 6,190 |
| Noninterest expense to average assets | 3.0184% | 3,779 |
| Loan and lease loss provision to assets | 0.6849% | 2,405 |
| Net operating income to assets | -0.4058% | 6,316 |
| Return on assets (ROA) | -0.2924% | 6,248 |
| Pretax return on assets | -0.5300% | 6,344 |
| Return on Equity (ROE) | -2.9988% | 6,274 |
| Retained earnings to average equity (ytd only) | -2.9988% | 6,094 |
| Net charge-offs to loans | 0.9712% | 2,235 |
| Credit loss provision to net charge-offs | 100.6390% | 4,518 |
| Earnings coverage of net charge-offs (x) | -0.0327% | 6,159 |
| Efficiency ratio | 100.7438% | 754 |
| Assets per employee ($millions) | 4.9715% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2541% | 1,765 |
| Loan loss allowance to noncurrent loans | 27.7744% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 11.5005% | 312 |
| Noncurrent loans to loans | 8.1158% | 630 |
| Net loans and leases to total assets | 67.3623% | 3,135 |
| Net loans and leases to deposits | 83.0265% | 2,624 |
| Net loans and leases to core deposits | 98.4933% | 1,753 |
| Total domestic deposits to total assets | 81.1334% | 5,483 |
| Equity capital to assets | 10.2453% | 3,449 |
| Core capital (leverage) ratio | 9.7559% | 3,368 |
| Tier 1 risk-based capital ratio | 12.4838% | 5,036 |
| Total risk-based capital ratio | 13.7485% | 5,009 |
| Memoranda: | ||
| Average total assets | $183,970,200 | 3,314 |
| Average earning assets | $163,710,600 | 3,383 |
| Average equity | $17,940,400 | 3,433 |
| Average total loans | $128,916,400 | 3,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 5,611 |
| Cost of funding earning assets | 1.7121% | 1,807 |
| Net interest margin | 3.0984% | 6,619 |
| Noninterest income to average assets | 0.1902% | 6,519 |
| Noninterest expense to average assets | 2.8638% | 4,225 |
| Loan and lease loss provision to assets | 0.7723% | 1,976 |
| Net operating income to assets | -0.4026% | 6,521 |
| Return on assets (ROA) | -0.4026% | 6,562 |
| Pretax return on assets | -0.6779% | 6,664 |
| Return on Equity (ROE) | -4.1775% | 6,579 |
| Retained earnings to average equity (ytd only) | -4.1775% | 6,478 |
| Net charge-offs to loans | 0.8711% | 2,269 |
| Credit loss provision to net charge-offs | 126.0210% | 3,242 |
| Earnings coverage of net charge-offs (x) | 0.1540% | 5,868 |
| Efficiency ratio | 96.8093% | 873 |
| Assets per employee ($millions) | 5.0336% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3377% | 1,567 |
| Loan loss allowance to noncurrent loans | 30.5166% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 9.8792% | 419 |
| Noncurrent loans to loans | 7.6604% | 701 |
| Net loans and leases to total assets | 67.2731% | 3,388 |
| Net loans and leases to deposits | 82.0793% | 3,092 |
| Net loans and leases to core deposits | 102.4377% | 1,609 |
| Total domestic deposits to total assets | 81.9612% | 5,012 |
| Equity capital to assets | 9.9002% | 4,290 |
| Core capital (leverage) ratio | 9.4533% | 3,977 |
| Tier 1 risk-based capital ratio | 12.1712% | 5,302 |
| Total risk-based capital ratio | 13.4311% | 5,259 |
| Memoranda: | ||
| Average total assets | $186,462,500 | 3,324 |
| Average earning assets | $166,574,250 | 3,380 |
| Average equity | $17,968,750 | 3,476 |
| Average total loans | $131,167,000 | 3,155 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 5,737 |
| Cost of funding earning assets | 1.7367% | 1,933 |
| Net interest margin | 3.0799% | 6,655 |
| Noninterest income to average assets | 0.1211% | 6,998 |
| Noninterest expense to average assets | 2.5418% | 5,559 |
| Loan and lease loss provision to assets | 0.9564% | 1,532 |
| Net operating income to assets | -0.3475% | 6,520 |
| Return on assets (ROA) | -0.3475% | 6,560 |
| Pretax return on assets | -0.6238% | 6,678 |
| Return on Equity (ROE) | -3.6377% | 6,584 |
| Retained earnings to average equity (ytd only) | -3.6377% | 6,395 |
| Net charge-offs to loans | 1.1464% | 1,658 |
| Credit loss provision to net charge-offs | 117.8010% | 3,447 |
| Earnings coverage of net charge-offs (x) | 0.4097% | 5,316 |
| Efficiency ratio | 88.4288% | 1,467 |
| Assets per employee ($millions) | 5.0469% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2046% | 1,742 |
| Loan loss allowance to noncurrent loans | 32.9992% | 6,168 |
| Noncurrent assets plus other real estate owned to assets | 8.9463% | 499 |
| Noncurrent loans to loans | 6.6807% | 881 |
| Net loans and leases to total assets | 67.2516% | 3,564 |
| Net loans and leases to deposits | 82.3441% | 3,212 |
| Net loans and leases to core deposits | 106.8046% | 1,380 |
| Total domestic deposits to total assets | 81.6715% | 5,120 |
| Equity capital to assets | 9.6602% | 4,452 |
| Core capital (leverage) ratio | 9.3524% | 4,037 |
| Tier 1 risk-based capital ratio | 11.9458% | 5,356 |
| Total risk-based capital ratio | 13.2103% | 5,311 |
| Memoranda: | ||
| Average total assets | $188,213,670 | 3,334 |
| Average earning assets | $168,250,670 | 3,369 |
| Average equity | $17,978,330 | 3,470 |
| Average total loans | $133,281,670 | 3,148 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8194% | 5,817 |
| Cost of funding earning assets | 1.8152% | 1,816 |
| Net interest margin | 3.0041% | 6,824 |
| Noninterest income to average assets | 0.0466% | 7,479 |
| Noninterest expense to average assets | 2.5424% | 5,570 |
| Loan and lease loss provision to assets | 1.3125% | 917 |
| Net operating income to assets | -0.6795% | 6,948 |
| Return on assets (ROA) | -0.6795% | 6,973 |
| Pretax return on assets | -1.1177% | 7,107 |
| Return on Equity (ROE) | -7.1540% | 7,009 |
| Retained earnings to average equity (ytd only) | -7.1540% | 6,759 |
| Net charge-offs to loans | 0.7958% | 1,936 |
| Credit loss provision to net charge-offs | 229.6296% | 1,660 |
| Earnings coverage of net charge-offs (x) | 0.3407% | 4,733 |
| Efficiency ratio | 92.8848% | 1,210 |
| Assets per employee ($millions) | 5.2480% | 1,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2780% | 1,614 |
| Loan loss allowance to noncurrent loans | 31.0050% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 9.0378% | 494 |
| Noncurrent loans to loans | 7.3473% | 785 |
| Net loans and leases to total assets | 69.1387% | 3,128 |
| Net loans and leases to deposits | 84.6031% | 2,836 |
| Net loans and leases to core deposits | 113.1886% | 1,082 |
| Total domestic deposits to total assets | 81.7212% | 5,187 |
| Equity capital to assets | 9.4475% | 4,616 |
| Core capital (leverage) ratio | 9.2726% | 4,099 |
| Tier 1 risk-based capital ratio | 11.7261% | 5,468 |
| Total risk-based capital ratio | 12.9921% | 5,399 |
| Memoranda: | ||
| Average total assets | $188,952,500 | 3,378 |
| Average earning assets | $169,233,000 | 3,413 |
| Average equity | $17,948,000 | 3,495 |
| Average total loans | $135,715,500 | 3,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 6,777 |
| Cost of funding earning assets | 2.0775% | 2,584 |
| Net interest margin | 2.7944% | 7,073 |
| Noninterest income to average assets | 0.4583% | 4,731 |
| Noninterest expense to average assets | 2.6303% | 5,670 |
| Loan and lease loss provision to assets | 1.6315% | 1,402 |
| Net operating income to assets | -0.7732% | 6,420 |
| Return on assets (ROA) | -0.6675% | 6,331 |
| Pretax return on assets | -1.0927% | 6,469 |
| Return on Equity (ROE) | -6.4716% | 6,346 |
| Retained earnings to average equity (ytd only) | -6.4716% | 6,193 |
| Net charge-offs to loans | 1.4250% | 1,763 |
| Credit loss provision to net charge-offs | 150.8423% | 3,069 |
| Earnings coverage of net charge-offs (x) | 0.3456% | 5,768 |
| Efficiency ratio | 87.5574% | 1,925 |
| Assets per employee ($millions) | 5.2493% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9563% | 2,123 |
| Loan loss allowance to noncurrent loans | 27.6637% | 6,626 |
| Noncurrent assets plus other real estate owned to assets | 8.7075% | 468 |
| Noncurrent loans to loans | 7.0716% | 789 |
| Net loans and leases to total assets | 71.4736% | 2,893 |
| Net loans and leases to deposits | 88.5831% | 2,458 |
| Net loans and leases to core deposits | 97.9421% | 4,223 |
| Total domestic deposits to total assets | 80.6854% | 5,442 |
| Equity capital to assets | 9.5499% | 4,350 |
| Core capital (leverage) ratio | 9.2895% | 3,994 |
| Tier 1 risk-based capital ratio | 11.6148% | 5,281 |
| Total risk-based capital ratio | 12.8759% | 5,226 |
| Memoranda: | ||
| Average total assets | $181,117,000 | 3,419 |
| Average earning assets | $165,007,800 | 3,422 |
| Average equity | $18,681,600 | 3,395 |
| Average total loans | $137,471,000 | 3,128 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8777% | 6,939 |
| Cost of funding earning assets | 2.1144% | 2,829 |
| Net interest margin | 2.7633% | 7,108 |
| Noninterest income to average assets | 0.4912% | 4,561 |
| Noninterest expense to average assets | 2.6934% | 5,356 |
| Loan and lease loss provision to assets | 1.5071% | 1,274 |
| Net operating income to assets | -0.7273% | 6,626 |
| Return on assets (ROA) | -0.7026% | 6,620 |
| Pretax return on assets | -1.1416% | 6,786 |
| Return on Equity (ROE) | -6.6806% | 6,630 |
| Retained earnings to average equity (ytd only) | -6.6806% | 6,470 |
| Net charge-offs to loans | 1.6312% | 1,248 |
| Credit loss provision to net charge-offs | 120.4640% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.2612% | 5,753 |
| Efficiency ratio | 89.1819% | 1,769 |
| Assets per employee ($millions) | 5.0400% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 3,672 |
| Loan loss allowance to noncurrent loans | 23.3326% | 6,882 |
| Noncurrent assets plus other real estate owned to assets | 7.1037% | 673 |
| Noncurrent loans to loans | 6.2325% | 940 |
| Net loans and leases to total assets | 72.2876% | 2,959 |
| Net loans and leases to deposits | 89.8154% | 2,616 |
| Net loans and leases to core deposits | 98.9840% | 4,487 |
| Total domestic deposits to total assets | 80.4846% | 5,254 |
| Equity capital to assets | 9.7451% | 4,430 |
| Core capital (leverage) ratio | 9.7523% | 3,567 |
| Tier 1 risk-based capital ratio | 11.8204% | 5,141 |
| Total risk-based capital ratio | 13.0716% | 5,079 |
| Memoranda: | ||
| Average total assets | $179,152,250 | 3,480 |
| Average earning assets | $163,953,500 | 3,474 |
| Average equity | $18,840,250 | 3,394 |
| Average total loans | $137,398,000 | 3,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 6,783 |
| Cost of funding earning assets | 2.2022% | 2,780 |
| Net interest margin | 2.7933% | 7,028 |
| Noninterest income to average assets | 0.4925% | 4,511 |
| Noninterest expense to average assets | 2.6750% | 5,472 |
| Loan and lease loss provision to assets | 1.2341% | 1,394 |
| Net operating income to assets | -0.5065% | 6,552 |
| Return on assets (ROA) | -0.4685% | 6,526 |
| Pretax return on assets | -0.7976% | 6,680 |
| Return on Equity (ROE) | -4.3389% | 6,521 |
| Retained earnings to average equity (ytd only) | -4.3389% | 6,192 |
| Net charge-offs to loans | 0.8653% | 1,962 |
| Credit loss provision to net charge-offs | 183.0508% | 2,507 |
| Earnings coverage of net charge-offs (x) | 0.5593% | 5,152 |
| Efficiency ratio | 87.6451% | 2,054 |
| Assets per employee ($millions) | 4.6250% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 2,939 |
| Loan loss allowance to noncurrent loans | 31.4060% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 4.9885% | 1,068 |
| Noncurrent loans to loans | 4.9438% | 1,247 |
| Net loans and leases to total assets | 76.9476% | 1,961 |
| Net loans and leases to deposits | 95.3714% | 1,894 |
| Net loans and leases to core deposits | 106.7982% | 3,746 |
| Total domestic deposits to total assets | 80.6820% | 5,199 |
| Equity capital to assets | 10.4759% | 3,433 |
| Core capital (leverage) ratio | 10.3969% | 2,905 |
| Tier 1 risk-based capital ratio | 12.0400% | 4,887 |
| Total risk-based capital ratio | 13.2920% | 4,804 |
| Memoranda: | ||
| Average total assets | $175,029,330 | 3,554 |
| Average earning assets | $160,382,000 | 3,557 |
| Average equity | $18,899,000 | 3,410 |
| Average total loans | $136,367,670 | 3,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0666% | 6,747 |
| Cost of funding earning assets | 2.2891% | 2,749 |
| Net interest margin | 2.7775% | 7,036 |
| Noninterest income to average assets | 0.4642% | 4,645 |
| Noninterest expense to average assets | 2.6318% | 5,315 |
| Loan and lease loss provision to assets | 0.3713% | 3,099 |
| Net operating income to assets | 0.0116% | 6,227 |
| Return on assets (ROA) | 0.1323% | 6,048 |
| Pretax return on assets | 0.1160% | 6,128 |
| Return on Equity (ROE) | 1.2063% | 6,068 |
| Retained earnings to average equity (ytd only) | 1.2063% | 5,157 |
| Net charge-offs to loans | 0.4714% | 2,267 |
| Credit loss provision to net charge-offs | 101.2658% | 3,687 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,268 |
| Efficiency ratio | 87.7709% | 1,913 |
| Assets per employee ($millions) | 4.7604% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,510 |
| Loan loss allowance to noncurrent loans | 36.1530% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 2.7220% | 2,087 |
| Noncurrent loans to loans | 3.4359% | 1,859 |
| Net loans and leases to total assets | 74.7594% | 2,563 |
| Net loans and leases to deposits | 93.1403% | 2,410 |
| Net loans and leases to core deposits | 104.3866% | 4,097 |
| Total domestic deposits to total assets | 80.2653% | 5,253 |
| Equity capital to assets | 10.5205% | 3,439 |
| Core capital (leverage) ratio | 10.7720% | 2,682 |
| Tier 1 risk-based capital ratio | 12.5073% | 4,547 |
| Total risk-based capital ratio | 13.6423% | 4,548 |
| Memoranda: | ||
| Average total assets | $172,356,000 | 3,616 |
| Average earning assets | $157,264,500 | 3,624 |
| Average equity | $18,900,500 | 3,429 |
| Average total loans | $134,059,500 | 3,287 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5044% | 2,939 |
| Cost of funding earning assets | 2.7277% | 3,029 |
| Net interest margin | 3.7767% | 4,116 |
| Noninterest income to average assets | 0.6430% | 3,528 |
| Noninterest expense to average assets | 2.8090% | 4,782 |
| Loan and lease loss provision to assets | 0.5337% | 2,683 |
| Net operating income to assets | 0.7726% | 3,561 |
| Return on assets (ROA) | 0.1716% | 5,767 |
| Pretax return on assets | 0.1598% | 5,819 |
| Return on Equity (ROE) | 1.3966% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.3966% | 4,378 |
| Net charge-offs to loans | 0.3492% | 3,084 |
| Credit loss provision to net charge-offs | 199.2665% | 2,450 |
| Earnings coverage of net charge-offs (x) | 4.8337% | 3,842 |
| Efficiency ratio | 68.4538% | 4,640 |
| Assets per employee ($millions) | 4.3110% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 3,818 |
| Loan loss allowance to noncurrent loans | 72.0526% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.7904% | 2,741 |
| Noncurrent loans to loans | 1.7975% | 3,065 |
| Net loans and leases to total assets | 79.0412% | 1,880 |
| Net loans and leases to deposits | 105.3110% | 1,190 |
| Net loans and leases to core deposits | 127.0425% | 2,079 |
| Total domestic deposits to total assets | 75.0551% | 6,439 |
| Equity capital to assets | 11.4579% | 2,664 |
| Core capital (leverage) ratio | 11.9594% | 1,984 |
| Tier 1 risk-based capital ratio | 13.1982% | 3,991 |
| Total risk-based capital ratio | 14.3994% | 3,937 |
| Memoranda: | ||
| Average total assets | $152,721,800 | 3,855 |
| Average earning assets | $139,936,400 | 3,850 |
| Average equity | $18,760,200 | 3,436 |
| Average total loans | $117,131,600 | 3,523 |