Home > Delanco Federal Savings Bank > Performance and Condition Ratios
Delanco Federal Savings 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 | 3.6526% | 4,584 |
| Cost of funding earning assets | 0.4324% | 3,354 |
| Net interest margin | 3.2202% | 4,403 |
| Noninterest income to average assets | 0.1238% | 5,238 |
| Noninterest expense to average assets | 3.3180% | 1,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1588% | 5,441 |
| Return on assets (ROA) | -0.1588% | 5,436 |
| Pretax return on assets | -0.2381% | 5,452 |
| Return on Equity (ROE) | -1.5704% | 5,441 |
| Retained earnings to average equity (ytd only) | -1.5704% | 4,969 |
| Net charge-offs to loans | -0.0238% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7320% | 116 |
| Assets per employee ($millions) | 5.8928% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,718 |
| Loan loss allowance to noncurrent loans | 40.1669% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 3.0934% | 251 |
| Noncurrent loans to loans | 3.0263% | 395 |
| Net loans and leases to total assets | 66.3930% | 2,977 |
| Net loans and leases to deposits | 74.7120% | 3,340 |
| Net loans and leases to core deposits | 76.6032% | 3,615 |
| Total domestic deposits to total assets | 88.8653% | 1,168 |
| Equity capital to assets | 10.2668% | 3,317 |
| Core capital (leverage) ratio | 9.5846% | 3,980 |
| Tier 1 risk-based capital ratio | 17.0425% | 2,103 |
| Total risk-based capital ratio | 18.2952% | 2,054 |
| Memoranda: | ||
| Average total assets | $125,980,000 | 3,797 |
| Average earning assets | $115,644,500 | 3,816 |
| Average equity | $12,736,000 | 4,007 |
| Average total loans | $83,988,000 | 3,672 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 4,500 |
| Cost of funding earning assets | 0.4320% | 2,941 |
| Net interest margin | 3.2001% | 4,446 |
| Noninterest income to average assets | 0.1410% | 5,245 |
| Noninterest expense to average assets | 2.8430% | 2,636 |
| Loan and lease loss provision to assets | -0.0862% | 5,461 |
| Net operating income to assets | -0.1794% | 5,448 |
| Return on assets (ROA) | -0.1794% | 5,449 |
| Pretax return on assets | 0.3149% | 5,193 |
| Return on Equity (ROE) | -1.7583% | 5,457 |
| Retained earnings to average equity (ytd only) | -1.7583% | 5,260 |
| Net charge-offs to loans | -0.1178% | 5,415 |
| Credit loss provision to net charge-offs | 110.0000% | 2,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5529% | 335 |
| Assets per employee ($millions) | 6.1053% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1863% | 2,854 |
| Loan loss allowance to noncurrent loans | 43.5121% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 2.8258% | 302 |
| Noncurrent loans to loans | 2.7263% | 449 |
| Net loans and leases to total assets | 65.3597% | 3,177 |
| Net loans and leases to deposits | 73.1524% | 3,584 |
| Net loans and leases to core deposits | 74.9229% | 3,817 |
| Total domestic deposits to total assets | 89.3473% | 850 |
| Equity capital to assets | 9.9577% | 3,748 |
| Core capital (leverage) ratio | 9.2843% | 4,310 |
| Tier 1 risk-based capital ratio | 16.8636% | 2,140 |
| Total risk-based capital ratio | 18.1197% | 2,079 |
| Memoranda: | ||
| Average total assets | $127,645,600 | 3,784 |
| Average earning assets | $116,901,400 | 3,805 |
| Average equity | $13,023,600 | 3,981 |
| Average total loans | $84,873,600 | 3,639 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 4,473 |
| Cost of funding earning assets | 0.4286% | 2,896 |
| Net interest margin | 3.2068% | 4,435 |
| Noninterest income to average assets | 0.1046% | 5,462 |
| Noninterest expense to average assets | 2.6895% | 3,095 |
| Loan and lease loss provision to assets | -0.0889% | 5,575 |
| Net operating income to assets | 0.2259% | 5,327 |
| Return on assets (ROA) | 0.2259% | 5,341 |
| Pretax return on assets | 0.4381% | 5,128 |
| Return on Equity (ROE) | 2.2005% | 5,274 |
| Retained earnings to average equity (ytd only) | 2.2005% | 4,540 |
| Net charge-offs to loans | -0.1241% | 5,433 |
| Credit loss provision to net charge-offs | 107.5949% | 2,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5065% | 478 |
| Assets per employee ($millions) | 6.0511% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 3,000 |
| Loan loss allowance to noncurrent loans | 47.2846% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.8307% | 336 |
| Noncurrent loans to loans | 2.5132% | 610 |
| Net loans and leases to total assets | 66.0896% | 3,092 |
| Net loans and leases to deposits | 74.3467% | 3,532 |
| Net loans and leases to core deposits | 76.1672% | 3,790 |
| Total domestic deposits to total assets | 88.8938% | 934 |
| Equity capital to assets | 10.3980% | 3,481 |
| Core capital (leverage) ratio | 9.5082% | 4,155 |
| Tier 1 risk-based capital ratio | 16.8866% | 2,185 |
| Total risk-based capital ratio | 18.1444% | 2,142 |
| Memoranda: | ||
| Average total assets | $127,504,000 | 3,820 |
| Average earning assets | $116,665,250 | 3,846 |
| Average equity | $13,087,750 | 4,011 |
| Average total loans | $84,890,750 | 3,664 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 4,488 |
| Cost of funding earning assets | 0.4265% | 2,829 |
| Net interest margin | 3.1838% | 4,466 |
| Noninterest income to average assets | 0.0987% | 5,519 |
| Noninterest expense to average assets | 2.7059% | 3,072 |
| Loan and lease loss provision to assets | -0.0313% | 5,578 |
| Net operating income to assets | 0.1739% | 5,434 |
| Return on assets (ROA) | 0.1739% | 5,437 |
| Pretax return on assets | 0.3369% | 5,291 |
| Return on Equity (ROE) | 1.7017% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.7017% | 4,575 |
| Net charge-offs to loans | -0.0212% | 4,800 |
| Credit loss provision to net charge-offs | 222.2222% | 1,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8543% | 463 |
| Assets per employee ($millions) | 6.0136% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,118 |
| Loan loss allowance to noncurrent loans | 37.0575% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 3.1128% | 285 |
| Noncurrent loans to loans | 3.1938% | 385 |
| Net loans and leases to total assets | 66.4442% | 3,038 |
| Net loans and leases to deposits | 74.7792% | 3,469 |
| Net loans and leases to core deposits | 76.6180% | 3,719 |
| Total domestic deposits to total assets | 88.8538% | 1,031 |
| Equity capital to assets | 10.3781% | 3,477 |
| Core capital (leverage) ratio | 9.2586% | 4,419 |
| Tier 1 risk-based capital ratio | 16.5205% | 2,315 |
| Total risk-based capital ratio | 17.7777% | 2,259 |
| Memoranda: | ||
| Average total assets | $127,647,670 | 3,846 |
| Average earning assets | $116,777,670 | 3,863 |
| Average equity | $13,046,000 | 4,031 |
| Average total loans | $84,857,000 | 3,680 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 4,487 |
| Cost of funding earning assets | 0.4266% | 2,754 |
| Net interest margin | 3.1463% | 4,512 |
| Noninterest income to average assets | 0.0249% | 5,772 |
| Noninterest expense to average assets | 2.6681% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1496% | 5,460 |
| Return on assets (ROA) | 0.1496% | 5,469 |
| Pretax return on assets | 0.2307% | 5,405 |
| Return on Equity (ROE) | 1.4751% | 5,431 |
| Retained earnings to average equity (ytd only) | 1.4751% | 4,514 |
| Net charge-offs to loans | 0.0707% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.9333% | 2,334 |
| Efficiency ratio | 92.0430% | 452 |
| Assets per employee ($millions) | 6.3516% | 1,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 3,303 |
| Loan loss allowance to noncurrent loans | 31.2227% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 3.5243% | 241 |
| Noncurrent loans to loans | 3.7493% | 300 |
| Net loans and leases to total assets | 66.5263% | 2,893 |
| Net loans and leases to deposits | 74.7358% | 3,333 |
| Net loans and leases to core deposits | 76.5549% | 3,602 |
| Total domestic deposits to total assets | 89.0153% | 1,131 |
| Equity capital to assets | 10.2668% | 3,452 |
| Core capital (leverage) ratio | 9.2305% | 4,435 |
| Tier 1 risk-based capital ratio | 16.3419% | 2,415 |
| Total risk-based capital ratio | 17.5993% | 2,358 |
| Memoranda: | ||
| Average total assets | $128,329,000 | 3,873 |
| Average earning assets | $117,215,500 | 3,890 |
| Average equity | $13,016,000 | 4,056 |
| Average total loans | $84,828,500 | 3,709 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5537% | 4,631 |
| Cost of funding earning assets | 0.4622% | 2,428 |
| Net interest margin | 3.0915% | 4,751 |
| Noninterest income to average assets | -0.0488% | 5,879 |
| Noninterest expense to average assets | 2.7472% | 3,203 |
| Loan and lease loss provision to assets | -0.0798% | 5,656 |
| Net operating income to assets | 0.0597% | 5,603 |
| Return on assets (ROA) | 0.0597% | 5,628 |
| Pretax return on assets | 0.0976% | 5,593 |
| Return on Equity (ROE) | 0.5991% | 5,618 |
| Retained earnings to average equity (ytd only) | 0.5991% | 5,090 |
| Net charge-offs to loans | 0.0652% | 2,765 |
| Credit loss provision to net charge-offs | -187.2727% | 4,989 |
| Earnings coverage of net charge-offs (x) | 0.4182% | 4,103 |
| Efficiency ratio | 99.3556% | 231 |
| Assets per employee ($millions) | 6.4814% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 3,077 |
| Loan loss allowance to noncurrent loans | 30.6671% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 3.8850% | 202 |
| Noncurrent loans to loans | 3.9372% | 267 |
| Net loans and leases to total assets | 64.1309% | 3,342 |
| Net loans and leases to deposits | 71.8256% | 3,730 |
| Net loans and leases to core deposits | 73.3589% | 3,974 |
| Total domestic deposits to total assets | 89.2870% | 961 |
| Equity capital to assets | 10.0211% | 3,698 |
| Core capital (leverage) ratio | 8.9589% | 4,787 |
| Tier 1 risk-based capital ratio | 16.3463% | 2,406 |
| Total risk-based capital ratio | 17.6097% | 2,336 |
| Memoranda: | ||
| Average total assets | $129,075,800 | 3,848 |
| Average earning assets | $117,482,200 | 3,877 |
| Average equity | $12,853,000 | 4,112 |
| Average total loans | $84,334,600 | 3,702 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5805% | 4,603 |
| Cost of funding earning assets | 0.4660% | 2,412 |
| Net interest margin | 3.1145% | 4,737 |
| Noninterest income to average assets | -0.0982% | 5,958 |
| Noninterest expense to average assets | 2.7796% | 3,079 |
| Loan and lease loss provision to assets | -0.1334% | 5,826 |
| Net operating income to assets | 0.0445% | 5,683 |
| Return on assets (ROA) | 0.0445% | 5,713 |
| Pretax return on assets | 0.0889% | 5,688 |
| Return on Equity (ROE) | 0.4472% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.4472% | 5,241 |
| Net charge-offs to loans | 0.0047% | 3,748 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,395 |
| Earnings coverage of net charge-offs (x) | -14.3325% | 3,924 |
| Efficiency ratio | 101.6257% | 202 |
| Assets per employee ($millions) | 6.4453% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,048 |
| Loan loss allowance to noncurrent loans | 31.8557% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.6329% | 260 |
| Noncurrent loans to loans | 3.8687% | 297 |
| Net loans and leases to total assets | 64.7829% | 3,302 |
| Net loans and leases to deposits | 73.1540% | 3,679 |
| Net loans and leases to core deposits | 74.9141% | 3,929 |
| Total domestic deposits to total assets | 88.5568% | 1,127 |
| Equity capital to assets | 9.9879% | 4,136 |
| Core capital (leverage) ratio | 8.8637% | 4,990 |
| Tier 1 risk-based capital ratio | 16.1943% | 2,545 |
| Total risk-based capital ratio | 17.4586% | 2,493 |
| Memoranda: | ||
| Average total assets | $128,938,000 | 3,873 |
| Average earning assets | $117,298,500 | 3,904 |
| Average equity | $12,818,750 | 4,155 |
| Average total loans | $84,381,500 | 3,718 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 4,489 |
| Cost of funding earning assets | 0.4713% | 2,360 |
| Net interest margin | 3.1642% | 4,658 |
| Noninterest income to average assets | -0.2094% | 6,040 |
| Noninterest expense to average assets | 2.7872% | 3,067 |
| Loan and lease loss provision to assets | -0.2001% | 5,937 |
| Net operating income to assets | 0.0295% | 5,746 |
| Return on assets (ROA) | 0.0295% | 5,776 |
| Pretax return on assets | 0.0776% | 5,743 |
| Return on Equity (ROE) | 0.2969% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.2969% | 5,211 |
| Net charge-offs to loans | -0.1660% | 5,774 |
| Credit loss provision to net charge-offs | 184.2857% | 1,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5984% | 182 |
| Assets per employee ($millions) | 6.0634% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 2,699 |
| Loan loss allowance to noncurrent loans | 40.3693% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 3.4092% | 321 |
| Noncurrent loans to loans | 3.2596% | 429 |
| Net loans and leases to total assets | 65.6708% | 3,124 |
| Net loans and leases to deposits | 74.3177% | 3,553 |
| Net loans and leases to core deposits | 75.7839% | 3,837 |
| Total domestic deposits to total assets | 88.3651% | 1,237 |
| Equity capital to assets | 10.0972% | 4,096 |
| Core capital (leverage) ratio | 8.9025% | 4,934 |
| Tier 1 risk-based capital ratio | 16.1874% | 2,557 |
| Total risk-based capital ratio | 17.4548% | 2,492 |
| Memoranda: | ||
| Average total assets | $128,948,670 | 3,904 |
| Average earning assets | $117,121,670 | 3,930 |
| Average equity | $12,800,000 | 4,177 |
| Average total loans | $84,325,000 | 3,738 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 4,618 |
| Cost of funding earning assets | 0.4793% | 2,282 |
| Net interest margin | 3.1173% | 4,815 |
| Noninterest income to average assets | -0.4871% | 6,114 |
| Noninterest expense to average assets | 2.8422% | 2,914 |
| Loan and lease loss provision to assets | -0.2497% | 6,038 |
| Net operating income to assets | -0.1418% | 5,863 |
| Return on assets (ROA) | -0.1418% | 5,882 |
| Pretax return on assets | -0.2528% | 5,903 |
| Return on Equity (ROE) | -1.4407% | 5,886 |
| Retained earnings to average equity (ytd only) | -1.4407% | 5,330 |
| Net charge-offs to loans | -0.0285% | 5,039 |
| Credit loss provision to net charge-offs | 1,350.0000% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.4756% | 96 |
| Assets per employee ($millions) | 5.8856% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,813 |
| Loan loss allowance to noncurrent loans | 41.7712% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.3935% | 344 |
| Noncurrent loans to loans | 3.1547% | 491 |
| Net loans and leases to total assets | 63.5600% | 3,306 |
| Net loans and leases to deposits | 72.9080% | 3,563 |
| Net loans and leases to core deposits | 74.1455% | 3,883 |
| Total domestic deposits to total assets | 87.1783% | 2,113 |
| Equity capital to assets | 9.8723% | 4,249 |
| Core capital (leverage) ratio | 8.6722% | 5,206 |
| Tier 1 risk-based capital ratio | 15.9884% | 2,687 |
| Total risk-based capital ratio | 17.2557% | 2,630 |
| Memoranda: | ||
| Average total assets | $129,757,000 | 3,916 |
| Average earning assets | $117,666,000 | 3,947 |
| Average equity | $12,771,500 | 4,197 |
| Average total loans | $84,120,000 | 3,754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7295% | 4,279 |
| Cost of funding earning assets | 0.4963% | 2,187 |
| Net interest margin | 3.2332% | 4,520 |
| Noninterest income to average assets | -0.0687% | 6,134 |
| Noninterest expense to average assets | 3.0194% | 2,480 |
| Loan and lease loss provision to assets | 0.0195% | 4,016 |
| Net operating income to assets | -0.1592% | 5,953 |
| Return on assets (ROA) | -0.1592% | 5,968 |
| Pretax return on assets | -0.1943% | 5,961 |
| Return on Equity (ROE) | -1.6021% | 5,964 |
| Retained earnings to average equity (ytd only) | -1.6021% | 5,724 |
| Net charge-offs to loans | 0.0363% | 3,493 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | -7.4667% | 4,418 |
| Efficiency ratio | 106.1454% | 183 |
| Assets per employee ($millions) | 5.6535% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3838% | 2,502 |
| Loan loss allowance to noncurrent loans | 47.9575% | 4,929 |
| Noncurrent assets plus other real estate owned to assets | 3.5415% | 330 |
| Noncurrent loans to loans | 2.8854% | 577 |
| Net loans and leases to total assets | 64.3444% | 3,223 |
| Net loans and leases to deposits | 73.7668% | 3,521 |
| Net loans and leases to core deposits | 75.0094% | 3,850 |
| Total domestic deposits to total assets | 87.2268% | 2,019 |
| Equity capital to assets | 9.8131% | 4,177 |
| Core capital (leverage) ratio | 8.7428% | 5,173 |
| Tier 1 risk-based capital ratio | 15.9503% | 2,710 |
| Total risk-based capital ratio | 17.2253% | 2,639 |
| Memoranda: | ||
| Average total assets | $128,139,600 | 3,929 |
| Average earning assets | $115,458,000 | 3,974 |
| Average equity | $12,733,400 | 4,183 |
| Average total loans | $82,722,000 | 3,753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,256 |
| Cost of funding earning assets | 0.4967% | 2,241 |
| Net interest margin | 3.2542% | 4,508 |
| Noninterest income to average assets | -0.1796% | 6,249 |
| Noninterest expense to average assets | 3.0380% | 2,401 |
| Loan and lease loss provision to assets | 0.0261% | 3,747 |
| Net operating income to assets | -0.2569% | 6,069 |
| Return on assets (ROA) | -0.2569% | 6,085 |
| Pretax return on assets | -0.3154% | 6,090 |
| Return on Equity (ROE) | -2.5772% | 6,089 |
| Retained earnings to average equity (ytd only) | -2.5772% | 5,903 |
| Net charge-offs to loans | 0.0908% | 2,259 |
| Credit loss provision to net charge-offs | 44.6429% | 3,108 |
| Earnings coverage of net charge-offs (x) | -4.9467% | 4,129 |
| Efficiency ratio | 110.5243% | 147 |
| Assets per employee ($millions) | 5.5517% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 2,702 |
| Loan loss allowance to noncurrent loans | 47.0492% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 3.6001% | 348 |
| Noncurrent loans to loans | 2.9305% | 619 |
| Net loans and leases to total assets | 64.3065% | 3,260 |
| Net loans and leases to deposits | 74.5574% | 3,476 |
| Net loans and leases to core deposits | 75.6537% | 3,834 |
| Total domestic deposits to total assets | 86.2511% | 2,412 |
| Equity capital to assets | 9.9624% | 4,197 |
| Core capital (leverage) ratio | 8.7755% | 5,266 |
| Tier 1 risk-based capital ratio | 16.2204% | 2,702 |
| Total risk-based capital ratio | 17.4960% | 2,647 |
| Memoranda: | ||
| Average total assets | $127,667,000 | 3,978 |
| Average earning assets | $114,883,750 | 4,025 |
| Average equity | $12,726,750 | 4,233 |
| Average total loans | $82,192,250 | 3,799 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7339% | 4,302 |
| Cost of funding earning assets | 0.5003% | 2,250 |
| Net interest margin | 3.2336% | 4,550 |
| Noninterest income to average assets | -0.3525% | 6,330 |
| Noninterest expense to average assets | 2.9892% | 2,587 |
| Loan and lease loss provision to assets | 0.0392% | 3,335 |
| Net operating income to assets | -0.3854% | 6,157 |
| Return on assets (ROA) | -0.3854% | 6,171 |
| Pretax return on assets | -0.4747% | 6,182 |
| Return on Equity (ROE) | -3.8653% | 6,173 |
| Retained earnings to average equity (ytd only) | -3.8653% | 5,969 |
| Net charge-offs to loans | 0.1149% | 1,855 |
| Credit loss provision to net charge-offs | 53.1915% | 2,670 |
| Earnings coverage of net charge-offs (x) | -5.9149% | 3,826 |
| Efficiency ratio | 117.0552% | 120 |
| Assets per employee ($millions) | 5.5059% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,760 |
| Loan loss allowance to noncurrent loans | 49.2340% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.7785% | 362 |
| Noncurrent loans to loans | 2.8439% | 724 |
| Net loans and leases to total assets | 64.3395% | 3,219 |
| Net loans and leases to deposits | 74.7077% | 3,410 |
| Net loans and leases to core deposits | 76.0593% | 3,759 |
| Total domestic deposits to total assets | 86.1216% | 2,627 |
| Equity capital to assets | 10.0390% | 3,997 |
| Core capital (leverage) ratio | 8.7453% | 5,278 |
| Tier 1 risk-based capital ratio | 16.0168% | 2,850 |
| Total risk-based capital ratio | 17.2926% | 2,790 |
| Memoranda: | ||
| Average total assets | $127,659,330 | 4,002 |
| Average earning assets | $114,732,330 | 4,056 |
| Average equity | $12,728,670 | 4,258 |
| Average total loans | $81,836,000 | 3,830 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 4,266 |
| Cost of funding earning assets | 0.4998% | 2,278 |
| Net interest margin | 3.2280% | 4,491 |
| Noninterest income to average assets | -0.7459% | 6,405 |
| Noninterest expense to average assets | 3.1052% | 2,250 |
| Loan and lease loss provision to assets | 0.0468% | 2,995 |
| Net operating income to assets | -0.8676% | 6,307 |
| Return on assets (ROA) | -0.8676% | 6,312 |
| Pretax return on assets | -0.9955% | 6,311 |
| Return on Equity (ROE) | -8.7308% | 6,307 |
| Retained earnings to average equity (ytd only) | -8.7308% | 6,098 |
| Net charge-offs to loans | 0.0393% | 2,435 |
| Credit loss provision to net charge-offs | 187.5000% | 1,091 |
| Earnings coverage of net charge-offs (x) | -38.0000% | 3,272 |
| Efficiency ratio | 143.9942% | 58 |
| Assets per employee ($millions) | 5.5963% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 2,656 |
| Loan loss allowance to noncurrent loans | 50.7060% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 3.7059% | 428 |
| Noncurrent loans to loans | 2.8679% | 789 |
| Net loans and leases to total assets | 62.3895% | 3,306 |
| Net loans and leases to deposits | 72.2548% | 3,516 |
| Net loans and leases to core deposits | 73.9073% | 3,785 |
| Total domestic deposits to total assets | 86.3465% | 2,738 |
| Equity capital to assets | 9.8614% | 4,311 |
| Core capital (leverage) ratio | 8.6638% | 5,360 |
| Tier 1 risk-based capital ratio | 15.6115% | 3,098 |
| Total risk-based capital ratio | 16.8666% | 3,034 |
| Memoranda: | ||
| Average total assets | $128,171,000 | 4,023 |
| Average earning assets | $115,242,500 | 4,077 |
| Average equity | $12,736,500 | 4,284 |
| Average total loans | $81,437,000 | 3,847 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,097 |
| Cost of funding earning assets | 0.5360% | 2,326 |
| Net interest margin | 3.3726% | 4,314 |
| Noninterest income to average assets | -0.5251% | 6,493 |
| Noninterest expense to average assets | 2.9925% | 2,864 |
| Loan and lease loss provision to assets | 0.5636% | 256 |
| Net operating income to assets | -0.6545% | 6,329 |
| Return on assets (ROA) | -0.6545% | 6,324 |
| Pretax return on assets | -1.0479% | 6,381 |
| Return on Equity (ROE) | -6.3946% | 6,319 |
| Retained earnings to average equity (ytd only) | -6.3946% | 6,234 |
| Net charge-offs to loans | 0.9213% | 351 |
| Credit loss provision to net charge-offs | 93.4980% | 2,567 |
| Earnings coverage of net charge-offs (x) | -0.8036% | 4,786 |
| Efficiency ratio | 119.3125% | 134 |
| Assets per employee ($millions) | 5.8013% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 2,702 |
| Loan loss allowance to noncurrent loans | 40.9233% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 4.3823% | 362 |
| Noncurrent loans to loans | 3.5400% | 574 |
| Net loans and leases to total assets | 62.8436% | 3,388 |
| Net loans and leases to deposits | 72.7802% | 3,586 |
| Net loans and leases to core deposits | 74.4565% | 3,880 |
| Total domestic deposits to total assets | 86.3470% | 2,645 |
| Equity capital to assets | 10.0135% | 4,098 |
| Core capital (leverage) ratio | 8.8222% | 5,224 |
| Tier 1 risk-based capital ratio | 15.7339% | 3,112 |
| Total risk-based capital ratio | 16.9896% | 3,041 |
| Memoranda: | ||
| Average total assets | $127,583,800 | 4,025 |
| Average earning assets | $114,748,800 | 4,079 |
| Average equity | $13,057,800 | 4,182 |
| Average total loans | $83,470,400 | 3,782 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,927 |
| Cost of funding earning assets | 0.5402% | 2,370 |
| Net interest margin | 3.4202% | 4,150 |
| Noninterest income to average assets | -0.4599% | 6,573 |
| Noninterest expense to average assets | 3.0006% | 2,797 |
| Loan and lease loss provision to assets | 0.7514% | 168 |
| Net operating income to assets | -0.7180% | 6,424 |
| Return on assets (ROA) | -0.7180% | 6,420 |
| Pretax return on assets | -1.1350% | 6,464 |
| Return on Equity (ROE) | -6.9777% | 6,407 |
| Retained earnings to average equity (ytd only) | -6.9777% | 6,323 |
| Net charge-offs to loans | 1.1429% | 246 |
| Credit loss provision to net charge-offs | 99.8611% | 2,250 |
| Earnings coverage of net charge-offs (x) | -0.5097% | 4,500 |
| Efficiency ratio | 114.6565% | 175 |
| Assets per employee ($millions) | 5.7647% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,733 |
| Loan loss allowance to noncurrent loans | 51.4453% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 4.5725% | 395 |
| Noncurrent loans to loans | 2.9093% | 929 |
| Net loans and leases to total assets | 63.7253% | 3,229 |
| Net loans and leases to deposits | 73.3179% | 3,518 |
| Net loans and leases to core deposits | 75.0165% | 3,848 |
| Total domestic deposits to total assets | 86.9165% | 2,367 |
| Equity capital to assets | 10.1810% | 3,954 |
| Core capital (leverage) ratio | 9.0394% | 5,022 |
| Tier 1 risk-based capital ratio | 15.9181% | 3,092 |
| Total risk-based capital ratio | 17.1740% | 3,038 |
| Memoranda: | ||
| Average total assets | $127,572,750 | 4,053 |
| Average earning assets | $114,767,500 | 4,113 |
| Average equity | $13,127,250 | 4,195 |
| Average total loans | $83,991,750 | 3,797 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9775% | 3,829 |
| Cost of funding earning assets | 0.5412% | 2,426 |
| Net interest margin | 3.4363% | 4,033 |
| Noninterest income to average assets | -0.6509% | 6,652 |
| Noninterest expense to average assets | 2.9760% | 2,915 |
| Loan and lease loss provision to assets | 0.6556% | 211 |
| Net operating income to assets | -0.8042% | 6,506 |
| Return on assets (ROA) | -0.8042% | 6,503 |
| Pretax return on assets | -1.1829% | 6,533 |
| Return on Equity (ROE) | -7.7885% | 6,489 |
| Retained earnings to average equity (ytd only) | -7.7885% | 6,367 |
| Net charge-offs to loans | 0.8743% | 418 |
| Credit loss provision to net charge-offs | 113.2432% | 1,782 |
| Earnings coverage of net charge-offs (x) | -0.9108% | 4,205 |
| Efficiency ratio | 121.5335% | 134 |
| Assets per employee ($millions) | 5.7280% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 2,721 |
| Loan loss allowance to noncurrent loans | 45.1431% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 4.6637% | 412 |
| Noncurrent loans to loans | 3.4120% | 794 |
| Net loans and leases to total assets | 64.8291% | 2,940 |
| Net loans and leases to deposits | 74.7712% | 3,230 |
| Net loans and leases to core deposits | 76.5149% | 3,570 |
| Total domestic deposits to total assets | 86.7033% | 2,629 |
| Equity capital to assets | 10.3765% | 3,589 |
| Core capital (leverage) ratio | 9.3504% | 4,531 |
| Tier 1 risk-based capital ratio | 16.3248% | 2,922 |
| Total risk-based capital ratio | 17.5820% | 2,864 |
| Memoranda: | ||
| Average total assets | $127,822,330 | 4,078 |
| Average earning assets | $115,298,000 | 4,120 |
| Average equity | $13,199,000 | 4,184 |
| Average total loans | $84,640,000 | 3,803 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,643 |
| Cost of funding earning assets | 0.5458% | 2,457 |
| Net interest margin | 3.4638% | 3,848 |
| Noninterest income to average assets | -1.4511% | 6,728 |
| Noninterest expense to average assets | 2.9489% | 3,049 |
| Loan and lease loss provision to assets | 1.0689% | 102 |
| Net operating income to assets | -1.6189% | 6,641 |
| Return on assets (ROA) | -1.6189% | 6,636 |
| Pretax return on assets | -2.3336% | 6,661 |
| Return on Equity (ROE) | -15.7158% | 6,607 |
| Retained earnings to average equity (ytd only) | -15.7158% | 6,477 |
| Net charge-offs to loans | 0.5850% | 632 |
| Credit loss provision to net charge-offs | 275.2000% | 843 |
| Earnings coverage of net charge-offs (x) | -3.2560% | 3,560 |
| Efficiency ratio | 175.0923% | 39 |
| Assets per employee ($millions) | 5.7980% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 2,349 |
| Loan loss allowance to noncurrent loans | 39.4766% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 4.4036% | 505 |
| Noncurrent loans to loans | 4.3075% | 595 |
| Net loans and leases to total assets | 65.6222% | 2,622 |
| Net loans and leases to deposits | 74.8442% | 2,961 |
| Net loans and leases to core deposits | 76.5443% | 3,357 |
| Total domestic deposits to total assets | 87.6784% | 2,418 |
| Equity capital to assets | 10.2151% | 3,578 |
| Core capital (leverage) ratio | 9.2324% | 4,667 |
| Tier 1 risk-based capital ratio | 16.1601% | 3,079 |
| Total risk-based capital ratio | 17.4197% | 3,039 |
| Memoranda: | ||
| Average total assets | $128,725,500 | 4,090 |
| Average earning assets | $116,520,000 | 4,127 |
| Average equity | $13,260,500 | 4,190 |
| Average total loans | $85,473,500 | 3,814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,101 |
| Cost of funding earning assets | 0.6648% | 2,077 |
| Net interest margin | 3.3291% | 4,557 |
| Noninterest income to average assets | -0.0107% | 6,673 |
| Noninterest expense to average assets | 2.8091% | 3,689 |
| Loan and lease loss provision to assets | 0.5894% | 430 |
| Net operating income to assets | -0.2411% | 6,387 |
| Return on assets (ROA) | -0.2411% | 6,402 |
| Pretax return on assets | -0.3888% | 6,452 |
| Return on Equity (ROE) | -2.6995% | 6,413 |
| Retained earnings to average equity (ytd only) | -2.6995% | 6,242 |
| Net charge-offs to loans | 0.6274% | 1,044 |
| Credit loss provision to net charge-offs | 139.7459% | 1,668 |
| Earnings coverage of net charge-offs (x) | 0.4755% | 4,921 |
| Efficiency ratio | 93.3367% | 784 |
| Assets per employee ($millions) | 6.1855% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 3,498 |
| Loan loss allowance to noncurrent loans | 27.7301% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 5.3181% | 423 |
| Noncurrent loans to loans | 5.1659% | 470 |
| Net loans and leases to total assets | 65.1026% | 2,844 |
| Net loans and leases to deposits | 73.6924% | 3,309 |
| Net loans and leases to core deposits | 75.3182% | 3,692 |
| Total domestic deposits to total assets | 88.3437% | 1,984 |
| Equity capital to assets | 10.3861% | 3,303 |
| Core capital (leverage) ratio | 9.6312% | 4,077 |
| Tier 1 risk-based capital ratio | 16.9347% | 2,638 |
| Total risk-based capital ratio | 18.1905% | 2,595 |
| Memoranda: | ||
| Average total assets | $130,646,800 | 4,057 |
| Average earning assets | $118,532,000 | 4,075 |
| Average equity | $11,669,000 | 4,515 |
| Average total loans | $87,821,600 | 3,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,961 |
| Cost of funding earning assets | 0.6881% | 2,031 |
| Net interest margin | 3.3553% | 4,444 |
| Noninterest income to average assets | -0.0489% | 6,791 |
| Noninterest expense to average assets | 2.7923% | 3,689 |
| Loan and lease loss provision to assets | 0.3709% | 846 |
| Net operating income to assets | -0.1233% | 6,406 |
| Return on assets (ROA) | -0.1233% | 6,436 |
| Pretax return on assets | -0.1661% | 6,452 |
| Return on Equity (ROE) | -1.4387% | 6,450 |
| Retained earnings to average equity (ytd only) | -1.4387% | 6,188 |
| Net charge-offs to loans | 0.5344% | 1,196 |
| Credit loss provision to net charge-offs | 102.8249% | 2,282 |
| Earnings coverage of net charge-offs (x) | 0.5678% | 4,671 |
| Efficiency ratio | 93.1656% | 781 |
| Assets per employee ($millions) | 6.3537% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,865 |
| Loan loss allowance to noncurrent loans | 24.8599% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 4.3424% | 699 |
| Noncurrent loans to loans | 4.8247% | 644 |
| Net loans and leases to total assets | 62.9710% | 3,171 |
| Net loans and leases to deposits | 69.1343% | 3,917 |
| Net loans and leases to core deposits | 70.5810% | 4,256 |
| Total domestic deposits to total assets | 91.0851% | 496 |
| Equity capital to assets | 8.4218% | 5,818 |
| Core capital (leverage) ratio | 7.7616% | 6,347 |
| Tier 1 risk-based capital ratio | 14.0919% | 4,363 |
| Total risk-based capital ratio | 15.3432% | 4,309 |
| Memoranda: | ||
| Average total assets | $130,834,750 | 4,092 |
| Average earning assets | $118,775,250 | 4,113 |
| Average equity | $11,213,500 | 4,642 |
| Average total loans | $88,328,500 | 3,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,694 |
| Cost of funding earning assets | 0.7181% | 1,934 |
| Net interest margin | 3.3934% | 4,210 |
| Noninterest income to average assets | 0.0277% | 6,734 |
| Noninterest expense to average assets | 2.8807% | 3,404 |
| Loan and lease loss provision to assets | 0.3801% | 846 |
| Net operating income to assets | -0.1200% | 6,424 |
| Return on assets (ROA) | -0.1200% | 6,469 |
| Pretax return on assets | -0.1570% | 6,467 |
| Return on Equity (ROE) | -1.3922% | 6,487 |
| Retained earnings to average equity (ytd only) | -1.3922% | 6,109 |
| Net charge-offs to loans | 0.5211% | 1,265 |
| Credit loss provision to net charge-offs | 106.0086% | 2,087 |
| Earnings coverage of net charge-offs (x) | 0.6223% | 4,316 |
| Efficiency ratio | 92.8111% | 832 |
| Assets per employee ($millions) | 5.9261% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,129 |
| Loan loss allowance to noncurrent loans | 26.5216% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 4.6152% | 698 |
| Noncurrent loans to loans | 4.4266% | 798 |
| Net loans and leases to total assets | 66.1159% | 2,567 |
| Net loans and leases to deposits | 72.7882% | 3,339 |
| Net loans and leases to core deposits | 74.3477% | 3,754 |
| Total domestic deposits to total assets | 90.8333% | 608 |
| Equity capital to assets | 8.6965% | 5,557 |
| Core capital (leverage) ratio | 7.9979% | 6,190 |
| Tier 1 risk-based capital ratio | 14.0776% | 4,369 |
| Total risk-based capital ratio | 15.3292% | 4,329 |
| Memoranda: | ||
| Average total assets | $129,970,330 | 4,142 |
| Average earning assets | $117,818,670 | 4,162 |
| Average equity | $11,205,670 | 4,681 |
| Average total loans | $89,424,330 | 3,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1106% | 3,684 |
| Cost of funding earning assets | 0.7452% | 1,885 |
| Net interest margin | 3.3654% | 4,251 |
| Noninterest income to average assets | -0.0432% | 6,897 |
| Noninterest expense to average assets | 2.9560% | 3,140 |
| Loan and lease loss provision to assets | 0.4839% | 557 |
| Net operating income to assets | -0.3452% | 6,604 |
| Return on assets (ROA) | -0.3452% | 6,634 |
| Pretax return on assets | -0.4346% | 6,657 |
| Return on Equity (ROE) | -4.0217% | 6,651 |
| Retained earnings to average equity (ytd only) | -4.0217% | 6,279 |
| Net charge-offs to loans | 0.5921% | 1,030 |
| Credit loss provision to net charge-offs | 117.1642% | 1,627 |
| Earnings coverage of net charge-offs (x) | 0.1194% | 3,779 |
| Efficiency ratio | 98.3590% | 622 |
| Assets per employee ($millions) | 5.8879% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 5,393 |
| Loan loss allowance to noncurrent loans | 23.6493% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 5.2789% | 665 |
| Noncurrent loans to loans | 4.8766% | 790 |
| Net loans and leases to total assets | 68.3512% | 1,950 |
| Net loans and leases to deposits | 75.1373% | 2,753 |
| Net loans and leases to core deposits | 76.3305% | 3,272 |
| Total domestic deposits to total assets | 90.9684% | 535 |
| Equity capital to assets | 8.5553% | 5,960 |
| Core capital (leverage) ratio | 7.7900% | 6,298 |
| Tier 1 risk-based capital ratio | 13.4135% | 4,927 |
| Total risk-based capital ratio | 14.6654% | 4,881 |
| Memoranda: | ||
| Average total assets | $129,768,500 | 4,187 |
| Average earning assets | $117,549,500 | 4,208 |
| Average equity | $11,139,500 | 4,744 |
| Average total loans | $90,525,500 | 3,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3585% | 3,993 |
| Cost of funding earning assets | 0.9597% | 1,588 |
| Net interest margin | 3.3988% | 4,889 |
| Noninterest income to average assets | 0.0531% | 6,674 |
| Noninterest expense to average assets | 3.0561% | 3,069 |
| Loan and lease loss provision to assets | 0.4640% | 1,350 |
| Net operating income to assets | -0.2784% | 6,423 |
| Return on assets (ROA) | -0.2784% | 6,479 |
| Pretax return on assets | -0.3637% | 6,511 |
| Return on Equity (ROE) | -3.2553% | 6,509 |
| Retained earnings to average equity (ytd only) | -3.2553% | 6,282 |
| Net charge-offs to loans | 0.9668% | 1,139 |
| Credit loss provision to net charge-offs | 66.4523% | 4,275 |
| Earnings coverage of net charge-offs (x) | 0.1436% | 5,422 |
| Efficiency ratio | 96.8231% | 673 |
| Assets per employee ($millions) | 5.9092% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 5,537 |
| Loan loss allowance to noncurrent loans | 18.2574% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 5.8460% | 600 |
| Noncurrent loans to loans | 6.0472% | 590 |
| Net loans and leases to total assets | 69.5907% | 1,923 |
| Net loans and leases to deposits | 76.5126% | 2,715 |
| Net loans and leases to core deposits | 77.8893% | 3,278 |
| Total domestic deposits to total assets | 90.9533% | 513 |
| Equity capital to assets | 8.6129% | 5,953 |
| Core capital (leverage) ratio | 8.0057% | 6,189 |
| Tier 1 risk-based capital ratio | 13.5512% | 4,715 |
| Total risk-based capital ratio | 14.8016% | 4,659 |
| Memoranda: | ||
| Average total assets | $133,632,400 | 4,070 |
| Average earning assets | $122,014,200 | 4,066 |
| Average equity | $11,427,600 | 4,681 |
| Average total loans | $96,503,000 | 3,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 4,012 |
| Cost of funding earning assets | 0.9928% | 1,604 |
| Net interest margin | 3.4151% | 4,983 |
| Noninterest income to average assets | 0.0367% | 6,846 |
| Noninterest expense to average assets | 2.9819% | 3,300 |
| Loan and lease loss provision to assets | 0.3221% | 2,049 |
| Net operating income to assets | -0.1675% | 6,475 |
| Return on assets (ROA) | -0.1675% | 6,547 |
| Pretax return on assets | -0.1447% | 6,513 |
| Return on Equity (ROE) | -1.9619% | 6,568 |
| Retained earnings to average equity (ytd only) | -1.9619% | 6,393 |
| Net charge-offs to loans | 0.8333% | 1,316 |
| Credit loss provision to net charge-offs | 53.1915% | 4,321 |
| Earnings coverage of net charge-offs (x) | 0.2930% | 5,181 |
| Efficiency ratio | 94.3852% | 751 |
| Assets per employee ($millions) | 5.7857% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,702 |
| Loan loss allowance to noncurrent loans | 18.7466% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 5.9329% | 678 |
| Noncurrent loans to loans | 5.8969% | 703 |
| Net loans and leases to total assets | 69.7810% | 1,950 |
| Net loans and leases to deposits | 76.8395% | 2,849 |
| Net loans and leases to core deposits | 78.2023% | 3,423 |
| Total domestic deposits to total assets | 90.8140% | 466 |
| Equity capital to assets | 8.5781% | 6,190 |
| Core capital (leverage) ratio | 8.0321% | 6,297 |
| Tier 1 risk-based capital ratio | 13.6061% | 4,809 |
| Total risk-based capital ratio | 14.8572% | 4,769 |
| Memoranda: | ||
| Average total assets | $134,539,750 | 4,086 |
| Average earning assets | $123,017,750 | 4,075 |
| Average equity | $11,485,250 | 4,719 |
| Average total loans | $97,758,750 | 3,616 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4543% | 3,962 |
| Cost of funding earning assets | 1.0243% | 1,614 |
| Net interest margin | 3.4300% | 4,970 |
| Noninterest income to average assets | -0.0607% | 7,061 |
| Noninterest expense to average assets | 2.8379% | 3,874 |
| Loan and lease loss provision to assets | 0.3214% | 2,053 |
| Net operating income to assets | -0.1674% | 6,509 |
| Return on assets (ROA) | -0.1674% | 6,593 |
| Pretax return on assets | -0.0755% | 6,500 |
| Return on Equity (ROE) | -1.9637% | 6,619 |
| Retained earnings to average equity (ytd only) | -1.9637% | 6,355 |
| Net charge-offs to loans | 0.6058% | 1,804 |
| Credit loss provision to net charge-offs | 72.3333% | 3,508 |
| Earnings coverage of net charge-offs (x) | 0.5533% | 4,794 |
| Efficiency ratio | 92.0269% | 926 |
| Assets per employee ($millions) | 5.3790% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 4,910 |
| Loan loss allowance to noncurrent loans | 17.8366% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 5.8249% | 747 |
| Noncurrent loans to loans | 7.2614% | 522 |
| Net loans and leases to total assets | 70.2725% | 1,872 |
| Net loans and leases to deposits | 77.1723% | 2,808 |
| Net loans and leases to core deposits | 78.5848% | 3,439 |
| Total domestic deposits to total assets | 91.0593% | 426 |
| Equity capital to assets | 8.5302% | 6,177 |
| Core capital (leverage) ratio | 7.9780% | 6,297 |
| Tier 1 risk-based capital ratio | 13.4982% | 4,824 |
| Total risk-based capital ratio | 14.7526% | 4,777 |
| Memoranda: | ||
| Average total assets | $135,029,000 | 4,097 |
| Average earning assets | $123,790,670 | 4,087 |
| Average equity | $11,508,670 | 4,712 |
| Average total loans | $99,046,000 | 3,595 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 3,708 |
| Cost of funding earning assets | 1.0685% | 1,567 |
| Net interest margin | 3.4833% | 4,780 |
| Noninterest income to average assets | -0.2069% | 7,199 |
| Noninterest expense to average assets | 2.8587% | 3,789 |
| Loan and lease loss provision to assets | 0.4050% | 1,562 |
| Net operating income to assets | -0.4789% | 6,817 |
| Return on assets (ROA) | -0.4789% | 6,845 |
| Pretax return on assets | -0.2808% | 6,717 |
| Return on Equity (ROE) | -5.6213% | 6,870 |
| Retained earnings to average equity (ytd only) | -5.6213% | 6,629 |
| Net charge-offs to loans | 1.1877% | 862 |
| Credit loss provision to net charge-offs | 45.8194% | 3,350 |
| Earnings coverage of net charge-offs (x) | 0.1405% | 4,298 |
| Efficiency ratio | 95.8375% | 727 |
| Assets per employee ($millions) | 5.3784% | 1,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 5,707 |
| Loan loss allowance to noncurrent loans | 15.6969% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 6.1252% | 755 |
| Noncurrent loans to loans | 7.3354% | 584 |
| Net loans and leases to total assets | 74.0616% | 1,049 |
| Net loans and leases to deposits | 81.3342% | 2,015 |
| Net loans and leases to core deposits | 83.0600% | 2,677 |
| Total domestic deposits to total assets | 91.0584% | 529 |
| Equity capital to assets | 8.5132% | 6,071 |
| Core capital (leverage) ratio | 7.9260% | 6,316 |
| Tier 1 risk-based capital ratio | 12.8780% | 5,296 |
| Total risk-based capital ratio | 14.1298% | 5,280 |
| Memoranda: | ||
| Average total assets | $135,306,000 | 4,119 |
| Average earning assets | $123,906,500 | 4,112 |
| Average equity | $11,527,500 | 4,722 |
| Average total loans | $100,699,500 | 3,577 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 3,525 |
| Cost of funding earning assets | 1.1988% | 2,030 |
| Net interest margin | 3.6650% | 4,451 |
| Noninterest income to average assets | 0.0983% | 6,645 |
| Noninterest expense to average assets | 2.6909% | 4,776 |
| Loan and lease loss provision to assets | 1.1334% | 796 |
| Net operating income to assets | -0.1724% | 6,228 |
| Return on assets (ROA) | -0.1724% | 6,300 |
| Pretax return on assets | -0.3617% | 6,392 |
| Return on Equity (ROE) | -1.9719% | 6,332 |
| Retained earnings to average equity (ytd only) | -1.9719% | 6,153 |
| Net charge-offs to loans | 0.8950% | 1,942 |
| Credit loss provision to net charge-offs | 165.7725% | 1,636 |
| Earnings coverage of net charge-offs (x) | 1.1288% | 4,942 |
| Efficiency ratio | 77.7119% | 2,627 |
| Assets per employee ($millions) | 4.8625% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,841 |
| Loan loss allowance to noncurrent loans | 18.8757% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 5.8097% | 867 |
| Noncurrent loans to loans | 6.9634% | 636 |
| Net loans and leases to total assets | 72.9572% | 1,463 |
| Net loans and leases to deposits | 81.4243% | 2,287 |
| Net loans and leases to core deposits | 84.0344% | 2,886 |
| Total domestic deposits to total assets | 89.6013% | 1,202 |
| Equity capital to assets | 8.5258% | 6,114 |
| Core capital (leverage) ratio | 8.1967% | 6,007 |
| Tier 1 risk-based capital ratio | 13.2819% | 4,851 |
| Total risk-based capital ratio | 14.5173% | 4,843 |
| Memoranda: | ||
| Average total assets | $136,312,600 | 4,046 |
| Average earning assets | $125,128,800 | 4,030 |
| Average equity | $11,917,400 | 4,571 |
| Average total loans | $104,130,200 | 3,522 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9417% | 3,378 |
| Cost of funding earning assets | 1.2173% | 2,210 |
| Net interest margin | 3.7243% | 4,233 |
| Noninterest income to average assets | 0.0264% | 7,029 |
| Noninterest expense to average assets | 2.7047% | 4,706 |
| Loan and lease loss provision to assets | 0.2298% | 3,717 |
| Net operating income to assets | 0.3090% | 5,366 |
| Return on assets (ROA) | 0.3090% | 5,536 |
| Pretax return on assets | 0.5143% | 5,121 |
| Return on Equity (ROE) | 3.5125% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.5125% | 4,240 |
| Net charge-offs to loans | 0.2565% | 3,828 |
| Credit loss provision to net charge-offs | 116.3366% | 2,811 |
| Earnings coverage of net charge-offs (x) | 3.7673% | 3,301 |
| Efficiency ratio | 78.4236% | 2,487 |
| Assets per employee ($millions) | 5.4817% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 6,939 |
| Loan loss allowance to noncurrent loans | 10.3785% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 5.5224% | 1,010 |
| Noncurrent loans to loans | 6.9049% | 725 |
| Net loans and leases to total assets | 75.1129% | 1,125 |
| Net loans and leases to deposits | 84.6146% | 1,900 |
| Net loans and leases to core deposits | 87.0503% | 2,627 |
| Total domestic deposits to total assets | 88.7707% | 1,567 |
| Equity capital to assets | 8.8753% | 5,887 |
| Core capital (leverage) ratio | 8.8081% | 5,252 |
| Tier 1 risk-based capital ratio | 14.1188% | 4,265 |
| Total risk-based capital ratio | 14.9888% | 4,506 |
| Memoranda: | ||
| Average total assets | $136,353,000 | 4,076 |
| Average earning assets | $125,298,500 | 4,057 |
| Average equity | $11,994,750 | 4,572 |
| Average total loans | $104,999,000 | 3,521 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 3,108 |
| Cost of funding earning assets | 1.2395% | 2,327 |
| Net interest margin | 3.7712% | 3,933 |
| Noninterest income to average assets | -0.0118% | 7,209 |
| Noninterest expense to average assets | 2.7167% | 4,753 |
| Loan and lease loss provision to assets | 0.2277% | 3,638 |
| Net operating income to assets | 0.3027% | 5,365 |
| Return on assets (ROA) | 0.3027% | 5,501 |
| Pretax return on assets | 0.5040% | 5,060 |
| Return on Equity (ROE) | 3.4510% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.4510% | 4,059 |
| Net charge-offs to loans | 0.1480% | 4,303 |
| Credit loss provision to net charge-offs | 198.7179% | 1,525 |
| Earnings coverage of net charge-offs (x) | 6.3846% | 2,403 |
| Efficiency ratio | 78.7814% | 2,592 |
| Assets per employee ($millions) | 5.4508% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7395% | 6,968 |
| Loan loss allowance to noncurrent loans | 13.8654% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 4.4361% | 1,425 |
| Noncurrent loans to loans | 5.3333% | 1,199 |
| Net loans and leases to total assets | 77.5224% | 845 |
| Net loans and leases to deposits | 86.2232% | 1,763 |
| Net loans and leases to core deposits | 88.2863% | 2,605 |
| Total domestic deposits to total assets | 89.9089% | 1,019 |
| Equity capital to assets | 8.8443% | 5,766 |
| Core capital (leverage) ratio | 8.7619% | 5,111 |
| Tier 1 risk-based capital ratio | 13.7631% | 4,325 |
| Total risk-based capital ratio | 14.6714% | 4,578 |
| Memoranda: | ||
| Average total assets | $136,123,000 | 4,108 |
| Average earning assets | $124,894,000 | 4,096 |
| Average equity | $11,938,670 | 4,570 |
| Average total loans | $105,438,670 | 3,552 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 2,832 |
| Cost of funding earning assets | 1.2780% | 2,316 |
| Net interest margin | 3.7762% | 3,730 |
| Noninterest income to average assets | 0.0206% | 7,244 |
| Noninterest expense to average assets | 2.7902% | 4,486 |
| Loan and lease loss provision to assets | 0.2352% | 3,307 |
| Net operating income to assets | 0.2793% | 5,502 |
| Return on assets (ROA) | 0.2793% | 5,564 |
| Pretax return on assets | 0.4528% | 5,176 |
| Return on Equity (ROE) | 3.1981% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.1981% | 4,258 |
| Net charge-offs to loans | 0.0229% | 4,763 |
| Credit loss provision to net charge-offs | 1,333.3333% | 300 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 695 |
| Efficiency ratio | 80.2198% | 2,489 |
| Assets per employee ($millions) | 5.2416% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 7,006 |
| Loan loss allowance to noncurrent loans | 15.9967% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 4.1620% | 1,586 |
| Noncurrent loans to loans | 4.6785% | 1,485 |
| Net loans and leases to total assets | 76.2924% | 989 |
| Net loans and leases to deposits | 85.4822% | 1,802 |
| Net loans and leases to core deposits | 87.5222% | 2,667 |
| Total domestic deposits to total assets | 89.2494% | 1,615 |
| Equity capital to assets | 8.7584% | 5,562 |
| Core capital (leverage) ratio | 8.6669% | 5,148 |
| Tier 1 risk-based capital ratio | 13.6118% | 4,350 |
| Total risk-based capital ratio | 14.5165% | 4,583 |
| Memoranda: | ||
| Average total assets | $136,050,000 | 4,133 |
| Average earning assets | $124,570,000 | 4,128 |
| Average equity | $11,882,000 | 4,582 |
| Average total loans | $104,945,000 | 3,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4773% | 2,367 |
| Cost of funding earning assets | 1.6583% | 1,786 |
| Net interest margin | 3.8190% | 3,873 |
| Noninterest income to average assets | 0.1246% | 6,781 |
| Noninterest expense to average assets | 2.6816% | 5,076 |
| Loan and lease loss provision to assets | 0.4514% | 3,417 |
| Net operating income to assets | 0.5347% | 3,949 |
| Return on assets (ROA) | 0.5347% | 4,097 |
| Pretax return on assets | 0.4840% | 4,676 |
| Return on Equity (ROE) | 6.3908% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.3908% | 1,623 |
| Net charge-offs to loans | 0.3898% | 4,088 |
| Credit loss provision to net charge-offs | 149.4005% | 2,430 |
| Earnings coverage of net charge-offs (x) | 3.0959% | 3,523 |
| Efficiency ratio | 74.1386% | 3,367 |
| Assets per employee ($millions) | 5.4328% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 7,122 |
| Loan loss allowance to noncurrent loans | 19.3833% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 3.5444% | 1,947 |
| Noncurrent loans to loans | 3.6706% | 2,031 |
| Net loans and leases to total assets | 76.8567% | 1,118 |
| Net loans and leases to deposits | 84.5806% | 2,365 |
| Net loans and leases to core deposits | 86.1747% | 3,300 |
| Total domestic deposits to total assets | 90.8680% | 664 |
| Equity capital to assets | 8.7086% | 5,569 |
| Core capital (leverage) ratio | 8.4230% | 5,494 |
| Tier 1 risk-based capital ratio | 13.0420% | 4,572 |
| Total risk-based capital ratio | 13.8977% | 4,883 |
| Memoranda: | ||
| Average total assets | $138,016,800 | 4,093 |
| Average earning assets | $126,211,800 | 4,098 |
| Average equity | $11,547,800 | 4,722 |
| Average total loans | $106,983,200 | 3,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 2,781 |
| Cost of funding earning assets | 1.7310% | 1,718 |
| Net interest margin | 3.6913% | 4,451 |
| Noninterest income to average assets | 0.0866% | 7,103 |
| Noninterest expense to average assets | 2.5826% | 5,393 |
| Loan and lease loss provision to assets | 0.4792% | 3,079 |
| Net operating income to assets | 0.5754% | 3,982 |
| Return on assets (ROA) | 0.5754% | 4,141 |
| Pretax return on assets | 0.4003% | 5,214 |
| Return on Equity (ROE) | 6.9466% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.9466% | 1,884 |
| Net charge-offs to loans | 0.4083% | 3,663 |
| Credit loss provision to net charge-offs | 151.3678% | 2,566 |
| Earnings coverage of net charge-offs (x) | 2.7781% | 3,751 |
| Efficiency ratio | 74.5970% | 3,214 |
| Assets per employee ($millions) | 5.4890% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 7,257 |
| Loan loss allowance to noncurrent loans | 13.4557% | 7,107 |
| Noncurrent assets plus other real estate owned to assets | 4.5830% | 1,479 |
| Noncurrent loans to loans | 4.9576% | 1,409 |
| Net loans and leases to total assets | 77.1516% | 1,188 |
| Net loans and leases to deposits | 84.7484% | 2,565 |
| Net loans and leases to core deposits | 86.7142% | 3,556 |
| Total domestic deposits to total assets | 91.0360% | 441 |
| Equity capital to assets | 8.5341% | 6,240 |
| Core capital (leverage) ratio | 8.1594% | 6,098 |
| Tier 1 risk-based capital ratio | 12.5004% | 4,981 |
| Total risk-based capital ratio | 13.2977% | 5,389 |
| Memoranda: | ||
| Average total assets | $138,566,250 | 4,133 |
| Average earning assets | $126,709,500 | 4,142 |
| Average equity | $11,477,750 | 4,814 |
| Average total loans | $107,445,500 | 3,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 2,734 |
| Cost of funding earning assets | 1.8063% | 1,618 |
| Net interest margin | 3.6472% | 4,594 |
| Noninterest income to average assets | 0.0863% | 7,147 |
| Noninterest expense to average assets | 2.5293% | 5,610 |
| Loan and lease loss provision to assets | 0.5395% | 2,625 |
| Net operating income to assets | 0.7136% | 3,343 |
| Return on assets (ROA) | 0.7136% | 3,496 |
| Pretax return on assets | 0.3554% | 5,357 |
| Return on Equity (ROE) | 8.7018% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.7018% | 1,200 |
| Net charge-offs to loans | 0.4233% | 3,304 |
| Credit loss provision to net charge-offs | 164.4737% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.7281% | 3,629 |
| Efficiency ratio | 73.8655% | 3,497 |
| Assets per employee ($millions) | 5.5226% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6480% | 7,339 |
| Loan loss allowance to noncurrent loans | 10.9663% | 7,243 |
| Noncurrent assets plus other real estate owned to assets | 4.9918% | 1,291 |
| Noncurrent loans to loans | 5.9091% | 1,088 |
| Net loans and leases to total assets | 76.6221% | 1,365 |
| Net loans and leases to deposits | 84.0750% | 2,857 |
| Net loans and leases to core deposits | 85.7758% | 3,866 |
| Total domestic deposits to total assets | 91.1354% | 436 |
| Equity capital to assets | 8.4061% | 6,293 |
| Core capital (leverage) ratio | 7.9923% | 6,283 |
| Tier 1 risk-based capital ratio | 12.1707% | 5,156 |
| Total risk-based capital ratio | 12.9354% | 5,559 |
| Memoranda: | ||
| Average total assets | $139,013,000 | 4,157 |
| Average earning assets | $127,220,330 | 4,151 |
| Average equity | $11,400,000 | 4,834 |
| Average total loans | $107,733,000 | 3,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 2,485 |
| Cost of funding earning assets | 1.8731% | 1,558 |
| Net interest margin | 3.6491% | 4,495 |
| Noninterest income to average assets | 0.0688% | 7,371 |
| Noninterest expense to average assets | 2.5809% | 5,429 |
| Loan and lease loss provision to assets | 0.6452% | 1,962 |
| Net operating income to assets | 1.0467% | 2,015 |
| Return on assets (ROA) | 1.0467% | 2,076 |
| Pretax return on assets | 0.1835% | 5,929 |
| Return on Equity (ROE) | 12.9238% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.9238% | 631 |
| Net charge-offs to loans | 0.2584% | 3,385 |
| Credit loss provision to net charge-offs | 321.4286% | 1,234 |
| Earnings coverage of net charge-offs (x) | 4.1286% | 2,700 |
| Efficiency ratio | 75.6939% | 3,276 |
| Assets per employee ($millions) | 5.3830% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 7,433 |
| Loan loss allowance to noncurrent loans | 11.4884% | 7,303 |
| Noncurrent assets plus other real estate owned to assets | 4.6300% | 1,445 |
| Noncurrent loans to loans | 5.6208% | 1,223 |
| Net loans and leases to total assets | 76.6237% | 1,411 |
| Net loans and leases to deposits | 83.8541% | 2,960 |
| Net loans and leases to core deposits | 86.2336% | 3,860 |
| Total domestic deposits to total assets | 91.3774% | 412 |
| Equity capital to assets | 8.1982% | 6,433 |
| Core capital (leverage) ratio | 7.7592% | 6,556 |
| Tier 1 risk-based capital ratio | 11.8506% | 5,340 |
| Total risk-based capital ratio | 12.6152% | 5,773 |
| Memoranda: | ||
| Average total assets | $139,486,500 | 4,204 |
| Average earning assets | $127,703,000 | 4,197 |
| Average equity | $11,297,000 | 4,898 |
| Average total loans | $108,360,000 | 3,724 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 3,898 |
| Cost of funding earning assets | 2.3125% | 1,605 |
| Net interest margin | 3.2336% | 5,977 |
| Noninterest income to average assets | 0.1811% | 6,794 |
| Noninterest expense to average assets | 2.9172% | 4,474 |
| Loan and lease loss provision to assets | 0.9386% | 2,404 |
| Net operating income to assets | -0.4852% | 6,162 |
| Return on assets (ROA) | -0.4777% | 6,148 |
| Pretax return on assets | -0.7023% | 6,191 |
| Return on Equity (ROE) | -5.8442% | 6,288 |
| Retained earnings to average equity (ytd only) | -5.8442% | 6,128 |
| Net charge-offs to loans | 1.9980% | 1,233 |
| Credit loss provision to net charge-offs | 59.4683% | 6,646 |
| Earnings coverage of net charge-offs (x) | 0.1427% | 6,019 |
| Efficiency ratio | 92.8320% | 1,496 |
| Assets per employee ($millions) | 4.7936% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4982% | 7,668 |
| Loan loss allowance to noncurrent loans | 5.5003% | 7,417 |
| Noncurrent assets plus other real estate owned to assets | 7.4035% | 660 |
| Noncurrent loans to loans | 9.0585% | 495 |
| Net loans and leases to total assets | 77.8621% | 1,417 |
| Net loans and leases to deposits | 84.9881% | 3,089 |
| Net loans and leases to core deposits | 97.9432% | 4,222 |
| Total domestic deposits to total assets | 91.6153% | 346 |
| Equity capital to assets | 7.9991% | 6,579 |
| Core capital (leverage) ratio | 7.6820% | 6,573 |
| Tier 1 risk-based capital ratio | 11.6231% | 5,269 |
| Total risk-based capital ratio | 12.2152% | 5,917 |
| Memoranda: | ||
| Average total assets | $135,847,800 | 4,215 |
| Average earning assets | $124,412,200 | 4,207 |
| Average equity | $11,105,000 | 4,993 |
| Average total loans | $107,305,600 | 3,752 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5367% | 4,236 |
| Cost of funding earning assets | 2.3846% | 1,686 |
| Net interest margin | 3.1521% | 6,170 |
| Noninterest income to average assets | 0.1678% | 7,011 |
| Noninterest expense to average assets | 2.9854% | 4,104 |
| Loan and lease loss provision to assets | 1.1501% | 1,690 |
| Net operating income to assets | -0.7681% | 6,661 |
| Return on assets (ROA) | -0.7681% | 6,668 |
| Pretax return on assets | -1.0810% | 6,741 |
| Return on Equity (ROE) | -9.3441% | 6,846 |
| Retained earnings to average equity (ytd only) | -9.3441% | 6,748 |
| Net charge-offs to loans | 1.5224% | 1,337 |
| Credit loss provision to net charge-offs | 95.4136% | 5,329 |
| Earnings coverage of net charge-offs (x) | 0.0573% | 5,986 |
| Efficiency ratio | 97.7376% | 1,175 |
| Assets per employee ($millions) | 4.9356% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 4,952 |
| Loan loss allowance to noncurrent loans | 13.6703% | 7,368 |
| Noncurrent assets plus other real estate owned to assets | 7.5254% | 592 |
| Noncurrent loans to loans | 8.9979% | 499 |
| Net loans and leases to total assets | 78.7305% | 1,441 |
| Net loans and leases to deposits | 86.6343% | 3,204 |
| Net loans and leases to core deposits | 102.4375% | 4,113 |
| Total domestic deposits to total assets | 90.8769% | 455 |
| Equity capital to assets | 7.9683% | 6,877 |
| Core capital (leverage) ratio | 7.6096% | 6,847 |
| Tier 1 risk-based capital ratio | 11.3616% | 5,582 |
| Total risk-based capital ratio | 12.6146% | 5,513 |
| Memoranda: | ||
| Average total assets | $135,056,000 | 4,251 |
| Average earning assets | $123,680,000 | 4,254 |
| Average equity | $11,101,250 | 5,046 |
| Average total loans | $106,936,500 | 3,797 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 4,106 |
| Cost of funding earning assets | 2.4981% | 1,618 |
| Net interest margin | 3.0961% | 6,256 |
| Noninterest income to average assets | 0.1925% | 6,915 |
| Noninterest expense to average assets | 3.1296% | 3,582 |
| Loan and lease loss provision to assets | 0.6865% | 2,370 |
| Net operating income to assets | -0.6283% | 6,685 |
| Return on assets (ROA) | -0.6283% | 6,686 |
| Pretax return on assets | -0.7880% | 6,674 |
| Return on Equity (ROE) | -7.5645% | 6,863 |
| Retained earnings to average equity (ytd only) | -7.5645% | 6,626 |
| Net charge-offs to loans | 0.6027% | 2,535 |
| Credit loss provision to net charge-offs | 144.2006% | 3,212 |
| Earnings coverage of net charge-offs (x) | -0.2132% | 5,895 |
| Efficiency ratio | 103.3514% | 1,046 |
| Assets per employee ($millions) | 4.8460% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4296% | 3,578 |
| Loan loss allowance to noncurrent loans | 18.1925% | 7,229 |
| Noncurrent assets plus other real estate owned to assets | 6.2872% | 754 |
| Noncurrent loans to loans | 7.8582% | 569 |
| Net loans and leases to total assets | 78.8642% | 1,557 |
| Net loans and leases to deposits | 87.2262% | 3,317 |
| Net loans and leases to core deposits | 103.2048% | 4,160 |
| Total domestic deposits to total assets | 90.4134% | 664 |
| Equity capital to assets | 8.3743% | 6,238 |
| Core capital (leverage) ratio | 8.3971% | 5,625 |
| Tier 1 risk-based capital ratio | 12.1964% | 4,756 |
| Total risk-based capital ratio | 13.4167% | 4,698 |
| Memoranda: | ||
| Average total assets | $134,008,670 | 4,303 |
| Average earning assets | $122,733,670 | 4,300 |
| Average equity | $11,131,000 | 5,044 |
| Average total loans | $105,862,330 | 3,861 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4468% | 5,190 |
| Cost of funding earning assets | 2.7365% | 1,153 |
| Net interest margin | 2.7102% | 7,180 |
| Noninterest income to average assets | 0.2763% | 6,216 |
| Noninterest expense to average assets | 3.4453% | 2,245 |
| Loan and lease loss provision to assets | 1.0813% | 1,209 |
| Net operating income to assets | -1.3997% | 7,458 |
| Return on assets (ROA) | -1.3997% | 7,472 |
| Pretax return on assets | -1.7722% | 7,462 |
| Return on Equity (ROE) | -16.9224% | 7,673 |
| Retained earnings to average equity (ytd only) | -16.9224% | 7,531 |
| Net charge-offs to loans | 0.8573% | 1,528 |
| Credit loss provision to net charge-offs | 160.7143% | 2,638 |
| Earnings coverage of net charge-offs (x) | -1.0268% | 5,363 |
| Efficiency ratio | 125.0818% | 571 |
| Assets per employee ($millions) | 4.0835% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,133 |
| Loan loss allowance to noncurrent loans | 18.3598% | 7,245 |
| Noncurrent assets plus other real estate owned to assets | 6.4482% | 581 |
| Noncurrent loans to loans | 8.0112% | 450 |
| Net loans and leases to total assets | 79.3056% | 1,518 |
| Net loans and leases to deposits | 90.2788% | 2,883 |
| Net loans and leases to core deposits | 104.0859% | 4,130 |
| Total domestic deposits to total assets | 87.8452% | 1,824 |
| Equity capital to assets | 8.6315% | 5,870 |
| Core capital (leverage) ratio | 8.6836% | 5,178 |
| Tier 1 risk-based capital ratio | 12.6557% | 4,431 |
| Total risk-based capital ratio | 13.9113% | 4,344 |
| Memoranda: | ||
| Average total assets | $133,168,500 | 4,348 |
| Average earning assets | $121,760,500 | 4,338 |
| Average equity | $11,015,000 | 5,102 |
| Average total loans | $104,512,500 | 3,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8551% | 6,257 |
| Cost of funding earning assets | 3.1762% | 1,267 |
| Net interest margin | 2.6789% | 7,537 |
| Noninterest income to average assets | 0.1505% | 7,342 |
| Noninterest expense to average assets | 2.8531% | 4,591 |
| Loan and lease loss provision to assets | 1.6630% | 785 |
| Net operating income to assets | -1.3704% | 7,416 |
| Return on assets (ROA) | -1.3704% | 7,359 |
| Pretax return on assets | -1.9090% | 7,410 |
| Return on Equity (ROE) | -17.3962% | 7,681 |
| Retained earnings to average equity (ytd only) | -17.3962% | 7,588 |
| Net charge-offs to loans | 1.2415% | 970 |
| Credit loss provision to net charge-offs | 176.9919% | 2,861 |
| Earnings coverage of net charge-offs (x) | -0.2618% | 6,401 |
| Efficiency ratio | 109.4345% | 720 |
| Assets per employee ($millions) | 4.3763% | 2,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 3,429 |
| Loan loss allowance to noncurrent loans | 24.9602% | 7,010 |
| Noncurrent assets plus other real estate owned to assets | 4.1669% | 959 |
| Noncurrent loans to loans | 5.4436% | 760 |
| Net loans and leases to total assets | 75.5071% | 2,759 |
| Net loans and leases to deposits | 84.0108% | 4,421 |
| Net loans and leases to core deposits | 100.4895% | 4,779 |
| Total domestic deposits to total assets | 89.8779% | 701 |
| Equity capital to assets | 7.9247% | 6,935 |
| Core capital (leverage) ratio | 7.9682% | 6,543 |
| Tier 1 risk-based capital ratio | 10.1822% | 6,536 |
| Total risk-based capital ratio | 11.4312% | 6,403 |
| Memoranda: | ||
| Average total assets | $130,908,000 | 4,258 |
| Average earning assets | $120,050,200 | 4,256 |
| Average equity | $10,312,600 | 5,316 |
| Average total loans | $99,077,600 | 3,975 |