Home > Eagle Valley Bank > Performance and Condition Ratios
Eagle Valley Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 1,355 |
| Cost of funding earning assets | 0.7229% | 1,329 |
| Net interest margin | 3.9555% | 1,857 |
| Noninterest income to average assets | 0.2329% | 4,620 |
| Noninterest expense to average assets | 3.5326% | 943 |
| Loan and lease loss provision to assets | 0.3928% | 289 |
| Net operating income to assets | 2.4691% | 153 |
| Return on assets (ROA) | 2.4691% | 156 |
| Pretax return on assets | 0.0842% | 5,341 |
| Return on Equity (ROE) | 26.4801% | 72 |
| Retained earnings to average equity (ytd only) | 26.4801% | 36 |
| Net charge-offs to loans | 0.5509% | 272 |
| Credit loss provision to net charge-offs | 80.0000% | 1,748 |
| Earnings coverage of net charge-offs (x) | 0.9714% | 2,602 |
| Efficiency ratio | 88.1036% | 533 |
| Assets per employee ($millions) | 4.3482% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 3,380 |
| Loan loss allowance to noncurrent loans | 1,240.0000% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,639 |
| Noncurrent loans to loans | 0.0887% | 4,584 |
| Net loans and leases to total assets | 89.3226% | 80 |
| Net loans and leases to deposits | 131.3961% | 33 |
| Net loans and leases to core deposits | 146.6045% | 149 |
| Total domestic deposits to total assets | 67.9797% | 5,418 |
| Equity capital to assets | 9.5651% | 4,027 |
| Core capital (leverage) ratio | 9.3181% | 4,297 |
| Tier 1 risk-based capital ratio | 11.5899% | 4,813 |
| Total risk-based capital ratio | 12.8394% | 4,701 |
| Memoranda: | ||
| Average total assets | $142,559,500 | 3,571 |
| Average earning assets | $136,115,000 | 3,501 |
| Average equity | $13,293,000 | 3,932 |
| Average total loans | $127,069,000 | 2,974 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,461 |
| Cost of funding earning assets | 0.8660% | 448 |
| Net interest margin | 3.7224% | 2,708 |
| Noninterest income to average assets | 0.3529% | 3,944 |
| Noninterest expense to average assets | 3.0608% | 1,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8333% | 3,018 |
| Return on assets (ROA) | 0.8333% | 3,051 |
| Pretax return on assets | 0.8362% | 4,135 |
| Return on Equity (ROE) | 9.0286% | 2,302 |
| Retained earnings to average equity (ytd only) | 9.0286% | 502 |
| Net charge-offs to loans | 0.0008% | 4,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,142.0000% | 69 |
| Efficiency ratio | 78.5419% | 1,280 |
| Assets per employee ($millions) | 4.4259% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 2,930 |
| Loan loss allowance to noncurrent loans | 518.0851% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2252% | 4,011 |
| Noncurrent loans to loans | 0.2264% | 3,999 |
| Net loans and leases to total assets | 86.9045% | 200 |
| Net loans and leases to deposits | 127.5593% | 55 |
| Net loans and leases to core deposits | 141.6771% | 194 |
| Total domestic deposits to total assets | 68.1287% | 5,470 |
| Equity capital to assets | 9.0808% | 4,638 |
| Core capital (leverage) ratio | 9.2770% | 4,321 |
| Tier 1 risk-based capital ratio | 11.9496% | 4,567 |
| Total risk-based capital ratio | 13.2004% | 4,448 |
| Memoranda: | ||
| Average total assets | $136,565,800 | 3,658 |
| Average earning assets | $130,024,600 | 3,587 |
| Average equity | $12,604,400 | 4,040 |
| Average total loans | $119,157,000 | 3,069 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,409 |
| Cost of funding earning assets | 0.9289% | 297 |
| Net interest margin | 3.6565% | 2,926 |
| Noninterest income to average assets | 0.3597% | 3,958 |
| Noninterest expense to average assets | 3.0775% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7479% | 3,749 |
| Return on assets (ROA) | 0.7479% | 3,808 |
| Pretax return on assets | 0.7617% | 4,450 |
| Return on Equity (ROE) | 8.0698% | 3,090 |
| Retained earnings to average equity (ytd only) | 8.0698% | 1,187 |
| Net charge-offs to loans | -0.0091% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1591% | 1,084 |
| Assets per employee ($millions) | 4.2055% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2146% | 2,839 |
| Loan loss allowance to noncurrent loans | 427.3256% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 3,013 |
| Noncurrent loans to loans | 0.2842% | 3,929 |
| Net loans and leases to total assets | 86.1458% | 253 |
| Net loans and leases to deposits | 127.0445% | 53 |
| Net loans and leases to core deposits | 144.0514% | 165 |
| Total domestic deposits to total assets | 67.8076% | 5,542 |
| Equity capital to assets | 9.0286% | 4,891 |
| Core capital (leverage) ratio | 9.0887% | 4,642 |
| Tier 1 risk-based capital ratio | 11.9117% | 4,692 |
| Total risk-based capital ratio | 13.1639% | 4,565 |
| Memoranda: | ||
| Average total assets | $135,300,000 | 3,712 |
| Average earning assets | $128,752,500 | 3,635 |
| Average equity | $12,540,250 | 4,091 |
| Average total loans | $117,810,500 | 3,111 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 1,292 |
| Cost of funding earning assets | 1.0056% | 172 |
| Net interest margin | 3.5769% | 3,119 |
| Noninterest income to average assets | 0.3340% | 4,157 |
| Noninterest expense to average assets | 3.0923% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6202% | 4,215 |
| Return on assets (ROA) | 0.6202% | 4,261 |
| Pretax return on assets | 0.6411% | 4,714 |
| Return on Equity (ROE) | 6.6328% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.6328% | 1,781 |
| Net charge-offs to loans | -0.0103% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8275% | 935 |
| Assets per employee ($millions) | 4.0411% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 2,990 |
| Loan loss allowance to noncurrent loans | 571.2062% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,290 |
| Noncurrent loans to loans | 0.2107% | 4,278 |
| Net loans and leases to total assets | 87.7153% | 165 |
| Net loans and leases to deposits | 129.7396% | 43 |
| Net loans and leases to core deposits | 145.6493% | 150 |
| Total domestic deposits to total assets | 67.6087% | 5,606 |
| Equity capital to assets | 8.8546% | 5,032 |
| Core capital (leverage) ratio | 9.0060% | 4,716 |
| Tier 1 risk-based capital ratio | 11.4314% | 5,002 |
| Total risk-based capital ratio | 12.6825% | 4,897 |
| Memoranda: | ||
| Average total assets | $134,139,670 | 3,750 |
| Average earning assets | $127,483,670 | 3,679 |
| Average equity | $12,543,670 | 4,102 |
| Average total loans | $116,739,330 | 3,135 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,187 |
| Cost of funding earning assets | 0.9743% | 184 |
| Net interest margin | 3.6042% | 2,875 |
| Noninterest income to average assets | 0.2988% | 4,421 |
| Noninterest expense to average assets | 3.1635% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5524% | 4,367 |
| Return on assets (ROA) | 0.5524% | 4,413 |
| Pretax return on assets | 0.5524% | 4,837 |
| Return on Equity (ROE) | 5.7491% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.7491% | 2,471 |
| Net charge-offs to loans | -0.0140% | 4,561 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1340% | 880 |
| Assets per employee ($millions) | 3.8079% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,768 |
| Loan loss allowance to noncurrent loans | 547.0149% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 3,306 |
| Noncurrent loans to loans | 0.2300% | 4,292 |
| Net loans and leases to total assets | 86.3239% | 198 |
| Net loans and leases to deposits | 124.8904% | 57 |
| Net loans and leases to core deposits | 139.0774% | 180 |
| Total domestic deposits to total assets | 69.1197% | 5,652 |
| Equity capital to assets | 9.6304% | 4,153 |
| Core capital (leverage) ratio | 9.9587% | 3,557 |
| Tier 1 risk-based capital ratio | 12.4738% | 4,406 |
| Total risk-based capital ratio | 13.7261% | 4,308 |
| Memoranda: | ||
| Average total assets | $132,510,500 | 3,805 |
| Average earning assets | $125,629,500 | 3,742 |
| Average equity | $12,732,500 | 4,101 |
| Average total loans | $114,115,500 | 3,189 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 1,282 |
| Cost of funding earning assets | 1.1103% | 93 |
| Net interest margin | 3.4883% | 3,482 |
| Noninterest income to average assets | 0.3233% | 4,425 |
| Noninterest expense to average assets | 3.0504% | 2,181 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5620% | 4,379 |
| Return on assets (ROA) | 0.5567% | 4,511 |
| Pretax return on assets | 0.5620% | 4,894 |
| Return on Equity (ROE) | 5.8860% | 4,036 |
| Retained earnings to average equity (ytd only) | 3.9992% | 3,073 |
| Net charge-offs to loans | 0.0074% | 4,009 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 635 |
| Efficiency ratio | 84.3170% | 981 |
| Assets per employee ($millions) | 3.8749% | 4,184 |
| Cash dividends to net income (ytd only)* | 32.0548% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,498 |
| Loan loss allowance to noncurrent loans | 1,366.3551% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 2,820 |
| Noncurrent loans to loans | 0.0958% | 4,855 |
| Net loans and leases to total assets | 83.6874% | 412 |
| Net loans and leases to deposits | 122.8005% | 67 |
| Net loans and leases to core deposits | 129.6420% | 290 |
| Total domestic deposits to total assets | 68.1491% | 5,712 |
| Equity capital to assets | 9.5867% | 4,179 |
| Core capital (leverage) ratio | 9.6901% | 3,872 |
| Tier 1 risk-based capital ratio | 12.9876% | 4,088 |
| Total risk-based capital ratio | 14.2410% | 3,986 |
| Memoranda: | ||
| Average total assets | $131,132,400 | 3,811 |
| Average earning assets | $123,841,400 | 3,753 |
| Average equity | $12,402,400 | 4,191 |
| Average total loans | $108,176,600 | 3,235 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5769% | 1,343 |
| Cost of funding earning assets | 1.1116% | 87 |
| Net interest margin | 3.4653% | 3,611 |
| Noninterest income to average assets | 0.3176% | 4,500 |
| Noninterest expense to average assets | 3.0457% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5405% | 4,536 |
| Return on assets (ROA) | 0.5334% | 4,665 |
| Pretax return on assets | 0.5395% | 5,038 |
| Return on Equity (ROE) | 5.6591% | 4,237 |
| Retained earnings to average equity (ytd only) | 3.1320% | 4,038 |
| Net charge-offs to loans | 0.0075% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 89.4975% | 704 |
| Efficiency ratio | 84.7832% | 928 |
| Assets per employee ($millions) | 3.9019% | 4,126 |
| Cash dividends to net income (ytd only)* | 44.6561% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,615 |
| Loan loss allowance to noncurrent loans | 822.4719% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 3,692 |
| Noncurrent loans to loans | 0.1597% | 4,716 |
| Net loans and leases to total assets | 82.9209% | 518 |
| Net loans and leases to deposits | 123.7508% | 80 |
| Net loans and leases to core deposits | 130.3323% | 298 |
| Total domestic deposits to total assets | 67.0064% | 5,795 |
| Equity capital to assets | 9.4019% | 4,763 |
| Core capital (leverage) ratio | 9.6806% | 3,961 |
| Tier 1 risk-based capital ratio | 12.7135% | 4,333 |
| Total risk-based capital ratio | 13.9666% | 4,243 |
| Memoranda: | ||
| Average total assets | $130,979,250 | 3,835 |
| Average earning assets | $123,777,750 | 3,782 |
| Average equity | $12,345,500 | 4,238 |
| Average total loans | $107,291,750 | 3,270 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 1,236 |
| Cost of funding earning assets | 1.1151% | 81 |
| Net interest margin | 3.5028% | 3,484 |
| Noninterest income to average assets | 0.3174% | 4,509 |
| Noninterest expense to average assets | 3.0563% | 2,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5689% | 4,403 |
| Return on assets (ROA) | 0.5582% | 4,564 |
| Pretax return on assets | 0.5597% | 4,998 |
| Return on Equity (ROE) | 5.9173% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.9173% | 2,169 |
| Net charge-offs to loans | 0.0283% | 2,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.8000% | 1,531 |
| Efficiency ratio | 84.2706% | 1,022 |
| Assets per employee ($millions) | 3.7056% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,460 |
| Loan loss allowance to noncurrent loans | 812.8492% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 3,735 |
| Noncurrent loans to loans | 0.1682% | 4,770 |
| Net loans and leases to total assets | 80.9515% | 762 |
| Net loans and leases to deposits | 114.3495% | 174 |
| Net loans and leases to core deposits | 121.6147% | 472 |
| Total domestic deposits to total assets | 70.7930% | 5,740 |
| Equity capital to assets | 9.6735% | 4,584 |
| Core capital (leverage) ratio | 9.7341% | 3,888 |
| Tier 1 risk-based capital ratio | 13.1733% | 4,088 |
| Total risk-based capital ratio | 14.4266% | 4,013 |
| Memoranda: | ||
| Average total assets | $130,417,330 | 3,871 |
| Average earning assets | $123,215,330 | 3,819 |
| Average equity | $12,303,000 | 4,266 |
| Average total loans | $105,898,670 | 3,309 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,302 |
| Cost of funding earning assets | 1.1124% | 88 |
| Net interest margin | 3.4731% | 3,579 |
| Noninterest income to average assets | 0.2783% | 4,726 |
| Noninterest expense to average assets | 3.0494% | 2,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5138% | 4,574 |
| Return on assets (ROA) | 0.4924% | 4,761 |
| Pretax return on assets | 0.4924% | 5,102 |
| Return on Equity (ROE) | 5.2867% | 4,345 |
| Retained earnings to average equity (ytd only) | 5.2867% | 2,770 |
| Net charge-offs to loans | 0.0682% | 1,803 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 1,991 |
| Efficiency ratio | 85.5794% | 1,014 |
| Assets per employee ($millions) | 3.8204% | 4,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,688 |
| Loan loss allowance to noncurrent loans | 405.5866% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,284 |
| Noncurrent loans to loans | 0.3314% | 4,250 |
| Net loans and leases to total assets | 82.0483% | 552 |
| Net loans and leases to deposits | 115.4159% | 131 |
| Net loans and leases to core deposits | 121.7360% | 422 |
| Total domestic deposits to total assets | 71.0893% | 5,817 |
| Equity capital to assets | 9.4770% | 4,683 |
| Core capital (leverage) ratio | 9.5694% | 4,079 |
| Tier 1 risk-based capital ratio | 12.6799% | 4,467 |
| Total risk-based capital ratio | 13.9325% | 4,377 |
| Memoranda: | ||
| Average total assets | $130,778,500 | 3,902 |
| Average earning assets | $123,694,500 | 3,833 |
| Average equity | $12,181,500 | 4,301 |
| Average total loans | $105,625,500 | 3,325 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,123 |
| Cost of funding earning assets | 1.1362% | 75 |
| Net interest margin | 3.1926% | 4,651 |
| Noninterest income to average assets | 0.4478% | 3,690 |
| Noninterest expense to average assets | 3.0529% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7667% | 3,481 |
| Return on assets (ROA) | 0.7667% | 3,570 |
| Pretax return on assets | 0.3845% | 5,352 |
| Return on Equity (ROE) | 9.1549% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.3891% | 1,612 |
| Net charge-offs to loans | 0.0032% | 4,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 166.0000% | 390 |
| Efficiency ratio | 88.8140% | 772 |
| Assets per employee ($millions) | 3.9898% | 3,956 |
| Cash dividends to net income (ytd only)* | 30.2115% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,318 |
| Loan loss allowance to noncurrent loans | 1,097.0149% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 3,921 |
| Noncurrent loans to loans | 0.1298% | 4,972 |
| Net loans and leases to total assets | 77.2831% | 1,214 |
| Net loans and leases to deposits | 108.2916% | 291 |
| Net loans and leases to core deposits | 113.7132% | 693 |
| Total domestic deposits to total assets | 71.3657% | 5,828 |
| Equity capital to assets | 9.1544% | 4,965 |
| Core capital (leverage) ratio | 9.3019% | 4,469 |
| Tier 1 risk-based capital ratio | 12.9342% | 4,368 |
| Total risk-based capital ratio | 14.1875% | 4,262 |
| Memoranda: | ||
| Average total assets | $129,518,000 | 3,894 |
| Average earning assets | $121,281,200 | 3,857 |
| Average equity | $10,846,600 | 4,508 |
| Average total loans | $94,999,000 | 3,476 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,234 |
| Cost of funding earning assets | 1.1346% | 82 |
| Net interest margin | 3.1639% | 4,790 |
| Noninterest income to average assets | 0.5034% | 3,341 |
| Noninterest expense to average assets | 3.0629% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9097% | 2,917 |
| Return on assets (ROA) | 0.9097% | 3,009 |
| Pretax return on assets | 0.3980% | 5,466 |
| Return on Equity (ROE) | 11.1266% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.1266% | 458 |
| Net charge-offs to loans | -0.0344% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5006% | 800 |
| Assets per employee ($millions) | 4.0491% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,937 |
| Loan loss allowance to noncurrent loans | 662.3894% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 2,478 |
| Noncurrent loans to loans | 0.2354% | 4,728 |
| Net loans and leases to total assets | 70.7235% | 2,278 |
| Net loans and leases to deposits | 98.4139% | 785 |
| Net loans and leases to core deposits | 104.9347% | 1,170 |
| Total domestic deposits to total assets | 71.8633% | 5,867 |
| Equity capital to assets | 9.2232% | 5,089 |
| Core capital (leverage) ratio | 9.5118% | 4,288 |
| Tier 1 risk-based capital ratio | 13.4402% | 4,173 |
| Total risk-based capital ratio | 14.6948% | 4,093 |
| Memoranda: | ||
| Average total assets | $128,981,500 | 3,945 |
| Average earning assets | $120,565,250 | 3,910 |
| Average equity | $10,545,000 | 4,611 |
| Average total loans | $92,942,750 | 3,556 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 2,106 |
| Cost of funding earning assets | 1.1354% | 79 |
| Net interest margin | 3.1864% | 4,703 |
| Noninterest income to average assets | 0.5728% | 2,892 |
| Noninterest expense to average assets | 3.1075% | 2,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2241% | 1,530 |
| Return on assets (ROA) | 1.2241% | 1,605 |
| Pretax return on assets | 0.4473% | 5,359 |
| Return on Equity (ROE) | 15.6752% | 644 |
| Retained earnings to average equity (ytd only) | 15.6752% | 161 |
| Net charge-offs to loans | -0.0500% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4172% | 946 |
| Assets per employee ($millions) | 4.0969% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,977 |
| Loan loss allowance to noncurrent loans | 686.2385% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 2,602 |
| Noncurrent loans to loans | 0.2299% | 4,853 |
| Net loans and leases to total assets | 71.1754% | 2,133 |
| Net loans and leases to deposits | 99.5583% | 693 |
| Net loans and leases to core deposits | 101.1918% | 1,390 |
| Total domestic deposits to total assets | 71.4912% | 5,956 |
| Equity capital to assets | 9.2204% | 4,994 |
| Core capital (leverage) ratio | 9.5202% | 4,257 |
| Tier 1 risk-based capital ratio | 13.4567% | 4,245 |
| Total risk-based capital ratio | 14.7111% | 4,174 |
| Memoranda: | ||
| Average total assets | $127,435,670 | 4,008 |
| Average earning assets | $119,256,330 | 3,965 |
| Average equity | $9,952,000 | 4,763 |
| Average total loans | $91,924,670 | 3,596 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3086% | 2,068 |
| Cost of funding earning assets | 1.1428% | 74 |
| Net interest margin | 3.1657% | 4,729 |
| Noninterest income to average assets | 0.7834% | 1,769 |
| Noninterest expense to average assets | 3.2260% | 1,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5095% | 4,631 |
| Return on assets (ROA) | 0.5095% | 4,751 |
| Pretax return on assets | 0.5127% | 5,145 |
| Return on Equity (ROE) | 7.2040% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.2040% | 1,921 |
| Net charge-offs to loans | 0.0133% | 2,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 53.6667% | 795 |
| Efficiency ratio | 86.2862% | 1,156 |
| Assets per employee ($millions) | 3.9581% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 1,899 |
| Loan loss allowance to noncurrent loans | 534.5455% | 958 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 2,538 |
| Noncurrent loans to loans | 0.3078% | 4,686 |
| Net loans and leases to total assets | 69.3826% | 2,222 |
| Net loans and leases to deposits | 95.2970% | 882 |
| Net loans and leases to core deposits | 96.8834% | 1,556 |
| Total domestic deposits to total assets | 72.8067% | 5,991 |
| Equity capital to assets | 7.1949% | 6,240 |
| Core capital (leverage) ratio | 7.4399% | 6,164 |
| Tier 1 risk-based capital ratio | 10.5537% | 5,998 |
| Total risk-based capital ratio | 11.8084% | 5,928 |
| Memoranda: | ||
| Average total assets | $125,603,500 | 4,073 |
| Average earning assets | $117,255,000 | 4,034 |
| Average equity | $8,884,000 | 5,013 |
| Average total loans | $90,483,500 | 3,634 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 2,834 |
| Cost of funding earning assets | 1.3531% | 44 |
| Net interest margin | 2.8814% | 5,681 |
| Noninterest income to average assets | 0.5193% | 3,368 |
| Noninterest expense to average assets | 3.3340% | 1,838 |
| Loan and lease loss provision to assets | -0.0188% | 5,937 |
| Net operating income to assets | -0.1433% | 6,183 |
| Return on assets (ROA) | -0.3182% | 6,242 |
| Pretax return on assets | -0.3167% | 6,227 |
| Return on Equity (ROE) | -5.4271% | 6,296 |
| Retained earnings to average equity (ytd only) | -5.4271% | 6,194 |
| Net charge-offs to loans | 0.1950% | 2,104 |
| Credit loss provision to net charge-offs | -14.8810% | 5,332 |
| Earnings coverage of net charge-offs (x) | -1.2738% | 4,808 |
| Efficiency ratio | 105.0603% | 276 |
| Assets per employee ($millions) | 3.7742% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 2,064 |
| Loan loss allowance to noncurrent loans | 250.9370% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.4268% | 1,934 |
| Noncurrent loans to loans | 0.6407% | 3,768 |
| Net loans and leases to total assets | 72.3775% | 1,850 |
| Net loans and leases to deposits | 99.5307% | 651 |
| Net loans and leases to core deposits | 100.8740% | 1,330 |
| Total domestic deposits to total assets | 72.7187% | 6,038 |
| Equity capital to assets | 6.9492% | 6,336 |
| Core capital (leverage) ratio | 6.6295% | 6,354 |
| Tier 1 risk-based capital ratio | 10.2842% | 6,184 |
| Total risk-based capital ratio | 11.5395% | 6,128 |
| Memoranda: | ||
| Average total assets | $133,265,200 | 3,916 |
| Average earning assets | $122,752,000 | 3,908 |
| Average equity | $7,812,600 | 5,245 |
| Average total loans | $86,173,800 | 3,710 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 3,095 |
| Cost of funding earning assets | 1.3336% | 48 |
| Net interest margin | 2.8344% | 5,816 |
| Noninterest income to average assets | 0.5562% | 3,162 |
| Noninterest expense to average assets | 3.0359% | 2,688 |
| Loan and lease loss provision to assets | -0.0246% | 6,119 |
| Net operating income to assets | 0.1477% | 5,950 |
| Return on assets (ROA) | -0.0817% | 6,211 |
| Pretax return on assets | -0.0797% | 6,188 |
| Return on Equity (ROE) | -1.4557% | 6,262 |
| Retained earnings to average equity (ytd only) | -1.4557% | 6,026 |
| Net charge-offs to loans | 0.1305% | 2,492 |
| Credit loss provision to net charge-offs | -30.1205% | 5,303 |
| Earnings coverage of net charge-offs (x) | 1.5302% | 4,139 |
| Efficiency ratio | 96.0448% | 508 |
| Assets per employee ($millions) | 3.9893% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,634 |
| Loan loss allowance to noncurrent loans | 179.2865% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 918 |
| Noncurrent loans to loans | 1.0202% | 3,033 |
| Net loans and leases to total assets | 61.6515% | 3,540 |
| Net loans and leases to deposits | 88.1409% | 1,648 |
| Net loans and leases to core deposits | 89.5118% | 2,270 |
| Total domestic deposits to total assets | 69.9465% | 6,288 |
| Equity capital to assets | 5.8798% | 6,489 |
| Core capital (leverage) ratio | 6.1673% | 6,467 |
| Tier 1 risk-based capital ratio | 9.9256% | 6,360 |
| Total risk-based capital ratio | 11.1832% | 6,329 |
| Memoranda: | ||
| Average total assets | $135,444,750 | 3,911 |
| Average earning assets | $124,468,500 | 3,904 |
| Average equity | $7,602,000 | 5,330 |
| Average total loans | $84,813,000 | 3,782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,255 |
| Cost of funding earning assets | 1.3067% | 55 |
| Net interest margin | 2.8150% | 5,874 |
| Noninterest income to average assets | 0.5363% | 3,227 |
| Noninterest expense to average assets | 3.0329% | 2,718 |
| Loan and lease loss provision to assets | -0.0369% | 6,276 |
| Net operating income to assets | 0.1581% | 5,937 |
| Return on assets (ROA) | -0.1315% | 6,291 |
| Pretax return on assets | -0.1300% | 6,278 |
| Return on Equity (ROE) | -2.3804% | 6,348 |
| Retained earnings to average equity (ytd only) | -2.3804% | 6,037 |
| Net charge-offs to loans | -0.0213% | 5,570 |
| Credit loss provision to net charge-offs | 277.7778% | 912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1142% | 551 |
| Assets per employee ($millions) | 4.0734% | 3,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 1,760 |
| Loan loss allowance to noncurrent loans | 96.4912% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.4736% | 1,151 |
| Noncurrent loans to loans | 1.8965% | 1,810 |
| Net loans and leases to total assets | 65.8479% | 2,768 |
| Net loans and leases to deposits | 94.5319% | 920 |
| Net loans and leases to core deposits | 95.7685% | 1,623 |
| Total domestic deposits to total assets | 69.6568% | 6,364 |
| Equity capital to assets | 5.9588% | 6,534 |
| Core capital (leverage) ratio | 6.1386% | 6,521 |
| Tier 1 risk-based capital ratio | 9.5340% | 6,488 |
| Total risk-based capital ratio | 10.7918% | 6,471 |
| Memoranda: | ||
| Average total assets | $135,381,330 | 3,933 |
| Average earning assets | $125,967,000 | 3,888 |
| Average equity | $7,477,670 | 5,385 |
| Average total loans | $84,691,000 | 3,801 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9919% | 3,722 |
| Cost of funding earning assets | 1.2937% | 63 |
| Net interest margin | 2.6982% | 6,115 |
| Noninterest income to average assets | 0.3827% | 4,328 |
| Noninterest expense to average assets | 2.9560% | 3,029 |
| Loan and lease loss provision to assets | -0.0736% | 6,474 |
| Net operating income to assets | 0.0118% | 6,193 |
| Return on assets (ROA) | 0.0118% | 6,212 |
| Pretax return on assets | 0.0118% | 6,203 |
| Return on Equity (ROE) | 0.2219% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.2219% | 5,485 |
| Net charge-offs to loans | 0.0049% | 3,566 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | -21.0000% | 3,620 |
| Efficiency ratio | 102.1363% | 425 |
| Assets per employee ($millions) | 4.0600% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 1,644 |
| Loan loss allowance to noncurrent loans | 91.8253% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 2.4906% | 1,286 |
| Noncurrent loans to loans | 2.1138% | 1,737 |
| Net loans and leases to total assets | 60.0196% | 3,560 |
| Net loans and leases to deposits | 85.0679% | 1,715 |
| Net loans and leases to core deposits | 86.1353% | 2,305 |
| Total domestic deposits to total assets | 70.5549% | 6,428 |
| Equity capital to assets | 5.6824% | 6,594 |
| Core capital (leverage) ratio | 6.2665% | 6,555 |
| Tier 1 risk-based capital ratio | 10.1308% | 6,445 |
| Total risk-based capital ratio | 11.3892% | 6,403 |
| Memoranda: | ||
| Average total assets | $135,861,000 | 3,962 |
| Average earning assets | $126,456,000 | 3,917 |
| Average equity | $7,211,500 | 5,463 |
| Average total loans | $81,954,500 | 3,886 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 3,638 |
| Cost of funding earning assets | 1.3453% | 89 |
| Net interest margin | 2.7801% | 6,011 |
| Noninterest income to average assets | 0.6043% | 3,072 |
| Noninterest expense to average assets | 3.3338% | 2,044 |
| Loan and lease loss provision to assets | -0.0701% | 6,430 |
| Net operating income to assets | -0.0883% | 6,289 |
| Return on assets (ROA) | 0.0015% | 6,251 |
| Pretax return on assets | 0.0030% | 6,228 |
| Return on Equity (ROE) | 0.0279% | 6,251 |
| Retained earnings to average equity (ytd only) | 0.0279% | 5,842 |
| Net charge-offs to loans | -0.6564% | 6,743 |
| Credit loss provision to net charge-offs | 19.5473% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6321% | 327 |
| Assets per employee ($millions) | 4.1776% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,335 |
| Loan loss allowance to noncurrent loans | 101.8337% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 2.5860% | 1,318 |
| Noncurrent loans to loans | 2.0600% | 1,920 |
| Net loans and leases to total assets | 58.1619% | 4,012 |
| Net loans and leases to deposits | 82.4448% | 2,142 |
| Net loans and leases to core deposits | 82.9780% | 2,775 |
| Total domestic deposits to total assets | 70.5465% | 6,499 |
| Equity capital to assets | 4.9214% | 6,694 |
| Core capital (leverage) ratio | 5.9495% | 6,653 |
| Tier 1 risk-based capital ratio | 9.0210% | 6,662 |
| Total risk-based capital ratio | 10.2800% | 6,646 |
| Memoranda: | ||
| Average total assets | $135,520,800 | 3,968 |
| Average earning assets | $122,945,200 | 3,993 |
| Average equity | $7,172,400 | 5,530 |
| Average total loans | $74,044,800 | 4,128 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,494 |
| Cost of funding earning assets | 1.3592% | 91 |
| Net interest margin | 2.8096% | 6,000 |
| Noninterest income to average assets | 0.6481% | 2,893 |
| Noninterest expense to average assets | 3.2925% | 2,097 |
| Loan and lease loss provision to assets | -0.0343% | 6,522 |
| Net operating income to assets | -0.0735% | 6,360 |
| Return on assets (ROA) | 0.1265% | 6,151 |
| Pretax return on assets | 0.1275% | 6,179 |
| Return on Equity (ROE) | 2.3495% | 5,836 |
| Retained earnings to average equity (ytd only) | 2.3495% | 4,918 |
| Net charge-offs to loans | -0.9060% | 6,823 |
| Credit loss provision to net charge-offs | 7.0850% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4185% | 369 |
| Assets per employee ($millions) | 3.8054% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4361% | 1,002 |
| Loan loss allowance to noncurrent loans | 113.7795% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 3.7269% | 883 |
| Noncurrent loans to loans | 2.1411% | 2,084 |
| Net loans and leases to total assets | 53.6747% | 4,667 |
| Net loans and leases to deposits | 77.5578% | 2,730 |
| Net loans and leases to core deposits | 78.0854% | 3,354 |
| Total domestic deposits to total assets | 69.2062% | 6,627 |
| Equity capital to assets | 5.4041% | 6,744 |
| Core capital (leverage) ratio | 5.8235% | 6,735 |
| Tier 1 risk-based capital ratio | 9.7456% | 6,648 |
| Total risk-based capital ratio | 11.0069% | 6,629 |
| Memoranda: | ||
| Average total assets | $135,980,500 | 3,993 |
| Average earning assets | $122,717,250 | 4,040 |
| Average equity | $7,320,750 | 5,555 |
| Average total loans | $72,701,500 | 4,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,627 |
| Cost of funding earning assets | 1.3459% | 115 |
| Net interest margin | 2.7828% | 6,041 |
| Noninterest income to average assets | 0.6383% | 2,974 |
| Noninterest expense to average assets | 3.2827% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1216% | 6,426 |
| Return on assets (ROA) | 0.1766% | 6,074 |
| Pretax return on assets | 0.1766% | 6,113 |
| Return on Equity (ROE) | 3.2838% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.2838% | 4,215 |
| Net charge-offs to loans | -1.3987% | 6,886 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8462% | 386 |
| Assets per employee ($millions) | 3.9267% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4139% | 1,076 |
| Loan loss allowance to noncurrent loans | 117.1035% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 3.8874% | 915 |
| Noncurrent loans to loans | 2.0613% | 2,323 |
| Net loans and leases to total assets | 54.1114% | 4,574 |
| Net loans and leases to deposits | 77.2669% | 2,684 |
| Net loans and leases to core deposits | 77.7684% | 3,327 |
| Total domestic deposits to total assets | 70.0318% | 6,660 |
| Equity capital to assets | 5.3510% | 6,802 |
| Core capital (leverage) ratio | 5.7003% | 6,778 |
| Tier 1 risk-based capital ratio | 9.2881% | 6,741 |
| Total risk-based capital ratio | 10.5495% | 6,729 |
| Memoranda: | ||
| Average total assets | $138,179,670 | 3,984 |
| Average earning assets | $125,270,330 | 4,007 |
| Average equity | $7,430,330 | 5,577 |
| Average total loans | $73,208,670 | 4,205 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 3,603 |
| Cost of funding earning assets | 1.3265% | 139 |
| Net interest margin | 2.8025% | 6,031 |
| Noninterest income to average assets | 0.5152% | 3,676 |
| Noninterest expense to average assets | 3.3277% | 2,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2505% | 6,542 |
| Return on assets (ROA) | 0.2904% | 5,720 |
| Pretax return on assets | 0.2904% | 5,877 |
| Return on Equity (ROE) | 5.3872% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3872% | 3,013 |
| Net charge-offs to loans | -0.1429% | 6,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1406% | 355 |
| Assets per employee ($millions) | 4.2496% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,558 |
| Loan loss allowance to noncurrent loans | 75.2023% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 3.9658% | 1,013 |
| Noncurrent loans to loans | 2.4168% | 2,143 |
| Net loans and leases to total assets | 51.6833% | 4,747 |
| Net loans and leases to deposits | 73.7698% | 2,950 |
| Net loans and leases to core deposits | 74.2382% | 3,548 |
| Total domestic deposits to total assets | 70.0602% | 6,758 |
| Equity capital to assets | 5.5498% | 6,859 |
| Core capital (leverage) ratio | 5.4555% | 6,847 |
| Tier 1 risk-based capital ratio | 9.4673% | 6,766 |
| Total risk-based capital ratio | 10.7217% | 6,756 |
| Memoranda: | ||
| Average total assets | $140,515,500 | 3,974 |
| Average earning assets | $128,456,500 | 3,974 |
| Average equity | $7,573,500 | 5,612 |
| Average total loans | $72,798,000 | 4,240 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3718% | 3,936 |
| Cost of funding earning assets | 1.4357% | 220 |
| Net interest margin | 2.9361% | 6,164 |
| Noninterest income to average assets | 0.5397% | 3,648 |
| Noninterest expense to average assets | 3.5339% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3225% | 6,460 |
| Return on assets (ROA) | -0.3079% | 6,501 |
| Pretax return on assets | -0.3079% | 6,483 |
| Return on Equity (ROE) | -7.0928% | 6,659 |
| Retained earnings to average equity (ytd only) | -7.0928% | 6,533 |
| Net charge-offs to loans | 0.8279% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.7664% | 5,727 |
| Efficiency ratio | 110.0409% | 334 |
| Assets per employee ($millions) | 4.5327% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,847 |
| Loan loss allowance to noncurrent loans | 62.9630% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 4.2601% | 991 |
| Noncurrent loans to loans | 2.7360% | 1,935 |
| Net loans and leases to total assets | 50.1486% | 5,148 |
| Net loans and leases to deposits | 69.7258% | 3,746 |
| Net loans and leases to core deposits | 70.1285% | 4,292 |
| Total domestic deposits to total assets | 71.9225% | 6,696 |
| Equity capital to assets | 5.2398% | 6,934 |
| Core capital (leverage) ratio | 5.3864% | 6,902 |
| Tier 1 risk-based capital ratio | 8.9778% | 6,851 |
| Total risk-based capital ratio | 10.2313% | 6,852 |
| Memoranda: | ||
| Average total assets | $144,515,000 | 3,873 |
| Average earning assets | $131,502,000 | 3,858 |
| Average equity | $6,274,000 | 5,945 |
| Average total loans | $73,439,600 | 4,225 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 3,834 |
| Cost of funding earning assets | 1.4648% | 234 |
| Net interest margin | 2.9844% | 6,196 |
| Noninterest income to average assets | 0.5365% | 3,701 |
| Noninterest expense to average assets | 3.5987% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3472% | 6,613 |
| Return on assets (ROA) | -0.3278% | 6,648 |
| Pretax return on assets | -0.3260% | 6,615 |
| Return on Equity (ROE) | -7.9650% | 6,813 |
| Retained earnings to average equity (ytd only) | -7.9650% | 6,749 |
| Net charge-offs to loans | 1.0605% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.6415% | 5,527 |
| Efficiency ratio | 110.6160% | 296 |
| Assets per employee ($millions) | 4.2211% | 3,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,760 |
| Loan loss allowance to noncurrent loans | 69.6677% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 4.4969% | 1,033 |
| Noncurrent loans to loans | 2.6015% | 2,193 |
| Net loans and leases to total assets | 50.5592% | 5,246 |
| Net loans and leases to deposits | 71.3474% | 3,695 |
| Net loans and leases to core deposits | 71.7815% | 4,281 |
| Total domestic deposits to total assets | 70.8635% | 6,804 |
| Equity capital to assets | 5.4955% | 7,022 |
| Core capital (leverage) ratio | 5.4459% | 6,984 |
| Tier 1 risk-based capital ratio | 9.1071% | 6,932 |
| Total risk-based capital ratio | 10.3605% | 6,936 |
| Memoranda: | ||
| Average total assets | $144,382,500 | 3,914 |
| Average earning assets | $131,435,750 | 3,905 |
| Average equity | $5,942,500 | 6,106 |
| Average total loans | $73,296,250 | 4,286 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5128% | 3,713 |
| Cost of funding earning assets | 1.4847% | 251 |
| Net interest margin | 3.0281% | 6,181 |
| Noninterest income to average assets | 0.5600% | 3,525 |
| Noninterest expense to average assets | 3.6446% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.3313% | 6,637 |
| Return on assets (ROA) | -0.3313% | 6,691 |
| Pretax return on assets | -0.3313% | 6,657 |
| Return on Equity (ROE) | -9.0102% | 6,887 |
| Retained earnings to average equity (ytd only) | -9.0102% | 6,807 |
| Net charge-offs to loans | 1.3519% | 771 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.4850% | 5,232 |
| Efficiency ratio | 110.0000% | 329 |
| Assets per employee ($millions) | 4.4371% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 2,506 |
| Loan loss allowance to noncurrent loans | 94.5355% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 4.4448% | 1,120 |
| Noncurrent loans to loans | 2.0253% | 2,919 |
| Net loans and leases to total assets | 49.9359% | 5,367 |
| Net loans and leases to deposits | 68.7755% | 4,078 |
| Net loans and leases to core deposits | 69.1747% | 4,643 |
| Total domestic deposits to total assets | 72.6072% | 6,773 |
| Equity capital to assets | 4.1828% | 7,131 |
| Core capital (leverage) ratio | 4.0920% | 7,129 |
| Tier 1 risk-based capital ratio | 6.7559% | 7,105 |
| Total risk-based capital ratio | 8.0105% | 7,107 |
| Memoranda: | ||
| Average total assets | $146,078,000 | 3,902 |
| Average earning assets | $132,823,000 | 3,905 |
| Average equity | $5,371,670 | 6,275 |
| Average total loans | $73,819,330 | 4,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 3,544 |
| Cost of funding earning assets | 1.5070% | 277 |
| Net interest margin | 3.0850% | 6,098 |
| Noninterest income to average assets | 0.6589% | 2,875 |
| Noninterest expense to average assets | 3.7023% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2295% | 6,660 |
| Return on assets (ROA) | -0.2295% | 6,709 |
| Pretax return on assets | -0.2295% | 6,688 |
| Return on Equity (ROE) | -6.6824% | 6,911 |
| Retained earnings to average equity (ytd only) | -6.6824% | 6,701 |
| Net charge-offs to loans | 1.5070% | 665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.3025% | 4,465 |
| Efficiency ratio | 106.6096% | 396 |
| Assets per employee ($millions) | 4.0503% | 3,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 1,848 |
| Loan loss allowance to noncurrent loans | 66.3079% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 4.9400% | 1,064 |
| Noncurrent loans to loans | 3.3461% | 1,897 |
| Net loans and leases to total assets | 48.4199% | 5,503 |
| Net loans and leases to deposits | 65.4258% | 4,446 |
| Net loans and leases to core deposits | 65.7867% | 4,939 |
| Total domestic deposits to total assets | 74.0073% | 6,747 |
| Equity capital to assets | 3.4161% | 7,217 |
| Core capital (leverage) ratio | 3.4378% | 7,213 |
| Tier 1 risk-based capital ratio | 5.0348% | 7,211 |
| Total risk-based capital ratio | 6.2888% | 7,214 |
| Memoranda: | ||
| Average total assets | $148,124,000 | 3,908 |
| Average earning assets | $135,105,500 | 3,902 |
| Average equity | $5,088,000 | 6,400 |
| Average total loans | $74,586,000 | 4,286 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 3,944 |
| Cost of funding earning assets | 1.6094% | 462 |
| Net interest margin | 3.1598% | 6,193 |
| Noninterest income to average assets | -0.0741% | 7,085 |
| Noninterest expense to average assets | 3.8920% | 1,194 |
| Loan and lease loss provision to assets | 0.4792% | 2,209 |
| Net operating income to assets | -1.5978% | 6,928 |
| Return on assets (ROA) | -1.3667% | 6,894 |
| Pretax return on assets | -1.3642% | 6,858 |
| Return on Equity (ROE) | -34.7643% | 7,129 |
| Retained earnings to average equity (ytd only) | -34.7643% | 7,123 |
| Net charge-offs to loans | 1.3680% | 1,203 |
| Credit loss provision to net charge-offs | 62.3558% | 5,108 |
| Earnings coverage of net charge-offs (x) | -1.4522% | 6,247 |
| Efficiency ratio | 134.5268% | 206 |
| Assets per employee ($millions) | 4.4246% | 3,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4464% | 1,387 |
| Loan loss allowance to noncurrent loans | 73.1262% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 4.9894% | 1,076 |
| Noncurrent loans to loans | 3.3455% | 1,936 |
| Net loans and leases to total assets | 49.9116% | 5,594 |
| Net loans and leases to deposits | 66.8572% | 4,614 |
| Net loans and leases to core deposits | 67.2103% | 5,136 |
| Total domestic deposits to total assets | 74.6540% | 6,657 |
| Equity capital to assets | 3.4532% | 7,255 |
| Core capital (leverage) ratio | 3.4109% | 7,245 |
| Tier 1 risk-based capital ratio | 5.7057% | 7,214 |
| Total risk-based capital ratio | 6.9663% | 7,214 |
| Memoranda: | ||
| Average total assets | $157,966,000 | 3,658 |
| Average earning assets | $142,476,600 | 3,703 |
| Average equity | $6,210,400 | 6,098 |
| Average total loans | $88,741,400 | 3,885 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7796% | 4,105 |
| Cost of funding earning assets | 1.6340% | 506 |
| Net interest margin | 3.1456% | 6,299 |
| Noninterest income to average assets | 0.0917% | 6,787 |
| Noninterest expense to average assets | 3.7960% | 1,311 |
| Loan and lease loss provision to assets | 0.6206% | 1,583 |
| Net operating income to assets | -1.4956% | 7,040 |
| Return on assets (ROA) | -1.2170% | 6,985 |
| Pretax return on assets | -1.2153% | 6,948 |
| Return on Equity (ROE) | -30.0929% | 7,196 |
| Retained earnings to average equity (ytd only) | -30.0929% | 7,189 |
| Net charge-offs to loans | 1.4833% | 981 |
| Credit loss provision to net charge-offs | 72.9412% | 4,381 |
| Earnings coverage of net charge-offs (x) | -1.0265% | 5,933 |
| Efficiency ratio | 122.8311% | 279 |
| Assets per employee ($millions) | 4.2357% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4796% | 1,425 |
| Loan loss allowance to noncurrent loans | 51.8593% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 7.0978% | 692 |
| Noncurrent loans to loans | 4.7814% | 1,347 |
| Net loans and leases to total assets | 53.2351% | 5,286 |
| Net loans and leases to deposits | 71.4374% | 4,076 |
| Net loans and leases to core deposits | 72.8955% | 4,591 |
| Total domestic deposits to total assets | 74.5199% | 6,702 |
| Equity capital to assets | 3.8745% | 7,329 |
| Core capital (leverage) ratio | 3.8176% | 7,311 |
| Tier 1 risk-based capital ratio | 6.0236% | 7,294 |
| Total risk-based capital ratio | 7.2840% | 7,295 |
| Memoranda: | ||
| Average total assets | $159,848,000 | 3,654 |
| Average earning assets | $143,856,500 | 3,701 |
| Average equity | $6,464,250 | 6,068 |
| Average total loans | $91,684,500 | 3,849 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7763% | 4,191 |
| Cost of funding earning assets | 1.6391% | 597 |
| Net interest margin | 3.1372% | 6,313 |
| Noninterest income to average assets | 0.0826% | 6,913 |
| Noninterest expense to average assets | 3.8533% | 1,275 |
| Loan and lease loss provision to assets | 0.8564% | 1,053 |
| Net operating income to assets | -1.8040% | 7,164 |
| Return on assets (ROA) | -1.5083% | 7,111 |
| Pretax return on assets | -1.5083% | 7,075 |
| Return on Equity (ROE) | -36.8139% | 7,291 |
| Retained earnings to average equity (ytd only) | -36.8139% | 7,286 |
| Net charge-offs to loans | 1.7566% | 809 |
| Credit loss provision to net charge-offs | 83.7349% | 3,656 |
| Earnings coverage of net charge-offs (x) | -0.9265% | 5,618 |
| Efficiency ratio | 124.6819% | 301 |
| Assets per employee ($millions) | 4.4573% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4700% | 1,495 |
| Loan loss allowance to noncurrent loans | 41.0538% | 5,582 |
| Noncurrent assets plus other real estate owned to assets | 7.0913% | 711 |
| Noncurrent loans to loans | 6.0164% | 990 |
| Net loans and leases to total assets | 55.8097% | 5,024 |
| Net loans and leases to deposits | 74.5833% | 3,707 |
| Net loans and leases to core deposits | 79.4980% | 3,859 |
| Total domestic deposits to total assets | 74.8287% | 6,752 |
| Equity capital to assets | 3.9062% | 7,396 |
| Core capital (leverage) ratio | 3.8265% | 7,387 |
| Tier 1 risk-based capital ratio | 6.1892% | 7,355 |
| Total risk-based capital ratio | 7.4514% | 7,358 |
| Memoranda: | ||
| Average total assets | $162,302,670 | 3,647 |
| Average earning assets | $146,055,670 | 3,690 |
| Average equity | $6,649,670 | 6,034 |
| Average total loans | $94,499,670 | 3,828 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7067% | 4,491 |
| Cost of funding earning assets | 1.6182% | 767 |
| Net interest margin | 3.0884% | 6,376 |
| Noninterest income to average assets | -0.1596% | 7,414 |
| Noninterest expense to average assets | 3.5225% | 1,944 |
| Loan and lease loss provision to assets | 0.3626% | 2,387 |
| Net operating income to assets | -1.2209% | 7,108 |
| Return on assets (ROA) | -0.7011% | 6,921 |
| Pretax return on assets | -0.7011% | 6,875 |
| Return on Equity (ROE) | -16.7449% | 7,178 |
| Retained earnings to average equity (ytd only) | -16.7449% | 7,084 |
| Net charge-offs to loans | 0.7414% | 1,734 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | -1.9722% | 4,955 |
| Efficiency ratio | 130.7623% | 257 |
| Assets per employee ($millions) | 4.2842% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4448% | 1,541 |
| Loan loss allowance to noncurrent loans | 33.1230% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 7.4005% | 688 |
| Noncurrent loans to loans | 7.3811% | 710 |
| Net loans and leases to total assets | 58.1483% | 4,624 |
| Net loans and leases to deposits | 77.6963% | 3,113 |
| Net loans and leases to core deposits | 82.9098% | 3,323 |
| Total domestic deposits to total assets | 74.8406% | 6,816 |
| Equity capital to assets | 4.2128% | 7,424 |
| Core capital (leverage) ratio | 4.2023% | 7,419 |
| Tier 1 risk-based capital ratio | 6.8567% | 7,377 |
| Total risk-based capital ratio | 8.1177% | 7,381 |
| Memoranda: | ||
| Average total assets | $165,450,500 | 3,627 |
| Average earning assets | $151,275,000 | 3,619 |
| Average equity | $6,927,500 | 5,949 |
| Average total loans | $97,113,500 | 3,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 5,281 |
| Cost of funding earning assets | 1.8855% | 896 |
| Net interest margin | 2.9534% | 6,814 |
| Noninterest income to average assets | 0.6181% | 3,355 |
| Noninterest expense to average assets | 4.0438% | 1,103 |
| Loan and lease loss provision to assets | 0.8798% | 1,860 |
| Net operating income to assets | -2.8365% | 7,257 |
| Return on assets (ROA) | -2.3312% | 7,155 |
| Pretax return on assets | -1.1026% | 6,695 |
| Return on Equity (ROE) | -49.5864% | 7,419 |
| Retained earnings to average equity (ytd only) | -49.5864% | 7,416 |
| Net charge-offs to loans | 1.4736% | 1,498 |
| Credit loss provision to net charge-offs | 101.2915% | 4,479 |
| Earnings coverage of net charge-offs (x) | -0.8383% | 6,563 |
| Efficiency ratio | 120.0741% | 405 |
| Assets per employee ($millions) | 4.5364% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3461% | 1,619 |
| Loan loss allowance to noncurrent loans | 35.6219% | 5,949 |
| Noncurrent assets plus other real estate owned to assets | 6.8591% | 807 |
| Noncurrent loans to loans | 6.5860% | 897 |
| Net loans and leases to total assets | 56.5029% | 5,258 |
| Net loans and leases to deposits | 74.0137% | 4,185 |
| Net loans and leases to core deposits | 82.4463% | 3,828 |
| Total domestic deposits to total assets | 76.3412% | 6,590 |
| Equity capital to assets | 4.1634% | 7,500 |
| Core capital (leverage) ratio | 3.9621% | 7,502 |
| Tier 1 risk-based capital ratio | 6.8403% | 7,439 |
| Total risk-based capital ratio | 8.1012% | 7,441 |
| Memoranda: | ||
| Average total assets | $187,201,400 | 3,269 |
| Average earning assets | $170,991,800 | 3,263 |
| Average equity | $8,800,800 | 5,475 |
| Average total loans | $110,343,600 | 3,541 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8837% | 5,335 |
| Cost of funding earning assets | 1.9237% | 950 |
| Net interest margin | 2.9600% | 6,913 |
| Noninterest income to average assets | 0.4812% | 4,326 |
| Noninterest expense to average assets | 3.9460% | 1,126 |
| Loan and lease loss provision to assets | 1.0783% | 1,356 |
| Net operating income to assets | -3.4466% | 7,513 |
| Return on assets (ROA) | -2.7859% | 7,423 |
| Pretax return on assets | -1.1796% | 6,936 |
| Return on Equity (ROE) | -57.7677% | 7,596 |
| Retained earnings to average equity (ytd only) | -57.7677% | 7,594 |
| Net charge-offs to loans | 1.3511% | 1,503 |
| Credit loss provision to net charge-offs | 134.8472% | 2,990 |
| Earnings coverage of net charge-offs (x) | -0.9528% | 6,442 |
| Efficiency ratio | 122.1979% | 371 |
| Assets per employee ($millions) | 4.3184% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5870% | 1,225 |
| Loan loss allowance to noncurrent loans | 36.5470% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 6.6075% | 851 |
| Noncurrent loans to loans | 7.0787% | 784 |
| Net loans and leases to total assets | 53.8621% | 5,871 |
| Net loans and leases to deposits | 68.7555% | 5,317 |
| Net loans and leases to core deposits | 75.4182% | 5,129 |
| Total domestic deposits to total assets | 78.3386% | 6,185 |
| Equity capital to assets | 4.2071% | 7,628 |
| Core capital (leverage) ratio | 4.0066% | 7,619 |
| Tier 1 risk-based capital ratio | 6.8442% | 7,560 |
| Total risk-based capital ratio | 8.1090% | 7,566 |
| Memoranda: | ||
| Average total assets | $190,905,750 | 3,264 |
| Average earning assets | $174,317,000 | 3,246 |
| Average equity | $9,206,750 | 5,425 |
| Average total loans | $112,994,000 | 3,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1525% | 4,185 |
| Cost of funding earning assets | 1.9889% | 937 |
| Net interest margin | 3.1636% | 6,422 |
| Noninterest income to average assets | 0.3065% | 5,712 |
| Noninterest expense to average assets | 4.0428% | 997 |
| Loan and lease loss provision to assets | 1.5460% | 849 |
| Net operating income to assets | -4.8148% | 7,687 |
| Return on assets (ROA) | -4.8032% | 7,690 |
| Pretax return on assets | -2.3974% | 7,345 |
| Return on Equity (ROE) | -95.5572% | 7,731 |
| Retained earnings to average equity (ytd only) | -95.5572% | 7,730 |
| Net charge-offs to loans | 1.9872% | 916 |
| Credit loss provision to net charge-offs | 128.6336% | 3,124 |
| Earnings coverage of net charge-offs (x) | -0.7180% | 6,075 |
| Efficiency ratio | 125.5592% | 352 |
| Assets per employee ($millions) | 4.3079% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4166% | 1,412 |
| Loan loss allowance to noncurrent loans | 49.4214% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 5.4498% | 1,137 |
| Noncurrent loans to loans | 4.8898% | 1,432 |
| Net loans and leases to total assets | 56.4119% | 5,638 |
| Net loans and leases to deposits | 71.9451% | 5,003 |
| Net loans and leases to core deposits | 79.8523% | 4,710 |
| Total domestic deposits to total assets | 78.4096% | 6,176 |
| Equity capital to assets | 3.9167% | 7,702 |
| Core capital (leverage) ratio | 3.6926% | 7,700 |
| Tier 1 risk-based capital ratio | 5.8800% | 7,666 |
| Total risk-based capital ratio | 7.1415% | 7,667 |
| Memoranda: | ||
| Average total assets | $191,204,000 | 3,288 |
| Average earning assets | $173,664,000 | 3,277 |
| Average equity | $9,611,000 | 5,312 |
| Average total loans | $115,638,000 | 3,492 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 3,475 |
| Cost of funding earning assets | 2.0938% | 830 |
| Net interest margin | 3.2206% | 6,227 |
| Noninterest income to average assets | 0.2166% | 6,414 |
| Noninterest expense to average assets | 4.0722% | 936 |
| Loan and lease loss provision to assets | 2.5475% | 412 |
| Net operating income to assets | -3.5036% | 7,682 |
| Return on assets (ROA) | -3.5036% | 7,681 |
| Pretax return on assets | -3.5036% | 7,640 |
| Return on Equity (ROE) | -62.8521% | 7,750 |
| Retained earnings to average equity (ytd only) | -62.8521% | 7,742 |
| Net charge-offs to loans | 3.4010% | 423 |
| Credit loss provision to net charge-offs | 121.2091% | 2,882 |
| Earnings coverage of net charge-offs (x) | -0.4549% | 5,264 |
| Efficiency ratio | 128.7433% | 349 |
| Assets per employee ($millions) | 4.1744% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1810% | 1,793 |
| Loan loss allowance to noncurrent loans | 40.0284% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 6.6232% | 848 |
| Noncurrent loans to loans | 5.4487% | 1,293 |
| Net loans and leases to total assets | 59.1625% | 5,263 |
| Net loans and leases to deposits | 76.3377% | 4,350 |
| Net loans and leases to core deposits | 84.8191% | 4,083 |
| Total domestic deposits to total assets | 77.5010% | 6,451 |
| Equity capital to assets | 5.2036% | 7,705 |
| Core capital (leverage) ratio | 4.1438% | 7,765 |
| Tier 1 risk-based capital ratio | 5.9557% | 7,754 |
| Total risk-based capital ratio | 7.2139% | 7,756 |
| Memoranda: | ||
| Average total assets | $192,032,500 | 3,337 |
| Average earning assets | $172,889,500 | 3,358 |
| Average equity | $10,704,500 | 5,047 |
| Average total loans | $118,669,500 | 3,478 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 3,540 |
| Cost of funding earning assets | 2.5256% | 961 |
| Net interest margin | 3.0863% | 6,414 |
| Noninterest income to average assets | 0.7019% | 2,961 |
| Noninterest expense to average assets | 4.3938% | 880 |
| Loan and lease loss provision to assets | 2.1477% | 978 |
| Net operating income to assets | -3.0136% | 7,395 |
| Return on assets (ROA) | -2.9779% | 7,399 |
| Pretax return on assets | -2.9779% | 7,285 |
| Return on Equity (ROE) | -38.4329% | 7,545 |
| Retained earnings to average equity (ytd only) | -38.4329% | 7,532 |
| Net charge-offs to loans | 2.9624% | 723 |
| Credit loss provision to net charge-offs | 107.1812% | 5,168 |
| Earnings coverage of net charge-offs (x) | -0.4321% | 6,653 |
| Efficiency ratio | 124.0705% | 541 |
| Assets per employee ($millions) | 3.6235% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9134% | 2,227 |
| Loan loss allowance to noncurrent loans | 44.8810% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 6.5204% | 836 |
| Noncurrent loans to loans | 4.2632% | 1,704 |
| Net loans and leases to total assets | 61.9038% | 5,007 |
| Net loans and leases to deposits | 81.4160% | 3,714 |
| Net loans and leases to core deposits | 103.1246% | 3,674 |
| Total domestic deposits to total assets | 76.0340% | 6,676 |
| Equity capital to assets | 5.9450% | 7,672 |
| Core capital (leverage) ratio | 4.8575% | 7,781 |
| Tier 1 risk-based capital ratio | 6.8186% | 7,765 |
| Total risk-based capital ratio | 8.0733% | 7,769 |
| Memoranda: | ||
| Average total assets | $204,308,400 | 3,131 |
| Average earning assets | $187,087,800 | 3,123 |
| Average equity | $15,830,200 | 3,897 |
| Average total loans | $138,199,000 | 3,118 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 3,507 |
| Cost of funding earning assets | 2.6007% | 1,028 |
| Net interest margin | 3.0630% | 6,426 |
| Noninterest income to average assets | 0.6584% | 3,303 |
| Noninterest expense to average assets | 3.7078% | 1,804 |
| Loan and lease loss provision to assets | 1.6768% | 1,113 |
| Net operating income to assets | -1.9063% | 7,276 |
| Return on assets (ROA) | -1.8594% | 7,260 |
| Pretax return on assets | -1.8594% | 7,117 |
| Return on Equity (ROE) | -22.7708% | 7,462 |
| Retained earnings to average equity (ytd only) | -22.7708% | 7,432 |
| Net charge-offs to loans | 2.3119% | 814 |
| Credit loss provision to net charge-offs | 105.5870% | 4,816 |
| Earnings coverage of net charge-offs (x) | -0.1445% | 6,232 |
| Efficiency ratio | 106.4140% | 844 |
| Assets per employee ($millions) | 3.8880% | 3,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7003% | 2,633 |
| Loan loss allowance to noncurrent loans | 39.8710% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 6.1634% | 853 |
| Noncurrent loans to loans | 4.2645% | 1,688 |
| Net loans and leases to total assets | 61.8519% | 5,268 |
| Net loans and leases to deposits | 82.0093% | 4,023 |
| Net loans and leases to core deposits | 103.8328% | 3,958 |
| Total domestic deposits to total assets | 75.4207% | 6,695 |
| Equity capital to assets | 7.4608% | 7,328 |
| Core capital (leverage) ratio | 6.5769% | 7,640 |
| Tier 1 risk-based capital ratio | 8.8205% | 7,675 |
| Total risk-based capital ratio | 10.0736% | 7,702 |
| Memoranda: | ||
| Average total assets | $207,374,750 | 3,107 |
| Average earning assets | $190,920,000 | 3,105 |
| Average equity | $16,933,500 | 3,716 |
| Average total loans | $142,448,500 | 3,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7756% | 3,158 |
| Cost of funding earning assets | 2.7344% | 949 |
| Net interest margin | 3.0413% | 6,431 |
| Noninterest income to average assets | 0.6810% | 3,108 |
| Noninterest expense to average assets | 3.5829% | 2,112 |
| Loan and lease loss provision to assets | 0.6236% | 2,559 |
| Net operating income to assets | -0.7106% | 6,761 |
| Return on assets (ROA) | -0.6427% | 6,702 |
| Pretax return on assets | -0.6427% | 6,560 |
| Return on Equity (ROE) | -7.6581% | 6,867 |
| Retained earnings to average equity (ytd only) | -7.6581% | 6,631 |
| Net charge-offs to loans | 1.1184% | 1,623 |
| Credit loss provision to net charge-offs | 79.0303% | 5,225 |
| Earnings coverage of net charge-offs (x) | -0.1103% | 5,804 |
| Efficiency ratio | 102.2161% | 1,086 |
| Assets per employee ($millions) | 3.5721% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 3,824 |
| Loan loss allowance to noncurrent loans | 20.1452% | 7,121 |
| Noncurrent assets plus other real estate owned to assets | 6.9748% | 609 |
| Noncurrent loans to loans | 6.8623% | 725 |
| Net loans and leases to total assets | 71.8189% | 3,273 |
| Net loans and leases to deposits | 98.1654% | 1,498 |
| Net loans and leases to core deposits | 115.2662% | 2,784 |
| Total domestic deposits to total assets | 73.1610% | 7,086 |
| Equity capital to assets | 8.9681% | 5,361 |
| Core capital (leverage) ratio | 7.3693% | 7,163 |
| Tier 1 risk-based capital ratio | 9.7346% | 7,198 |
| Total risk-based capital ratio | 10.9845% | 7,140 |
| Memoranda: | ||
| Average total assets | $209,107,000 | 3,114 |
| Average earning assets | $193,537,670 | 3,096 |
| Average equity | $17,550,000 | 3,606 |
| Average total loans | $147,526,670 | 3,026 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8294% | 3,148 |
| Cost of funding earning assets | 2.7110% | 1,239 |
| Net interest margin | 3.1184% | 6,146 |
| Noninterest income to average assets | 0.6703% | 3,068 |
| Noninterest expense to average assets | 3.3773% | 2,426 |
| Loan and lease loss provision to assets | 0.1547% | 4,954 |
| Net operating income to assets | 0.0424% | 6,152 |
| Return on assets (ROA) | 0.0424% | 6,296 |
| Pretax return on assets | 0.0424% | 6,293 |
| Return on Equity (ROE) | 0.5205% | 6,272 |
| Retained earnings to average equity (ytd only) | 0.5205% | 5,448 |
| Net charge-offs to loans | 1.0486% | 1,291 |
| Credit loss provision to net charge-offs | 21.2121% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.2702% | 4,757 |
| Efficiency ratio | 93.9722% | 1,436 |
| Assets per employee ($millions) | 3.6410% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 4,581 |
| Loan loss allowance to noncurrent loans | 42.5437% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 3.5020% | 1,534 |
| Noncurrent loans to loans | 2.8933% | 2,256 |
| Net loans and leases to total assets | 67.3465% | 4,281 |
| Net loans and leases to deposits | 89.1392% | 3,081 |
| Net loans and leases to core deposits | 116.1678% | 2,790 |
| Total domestic deposits to total assets | 75.5520% | 6,591 |
| Equity capital to assets | 8.1962% | 6,541 |
| Core capital (leverage) ratio | 7.1496% | 7,525 |
| Tier 1 risk-based capital ratio | 9.3480% | 7,549 |
| Total risk-based capital ratio | 10.4538% | 7,655 |
| Memoranda: | ||
| Average total assets | $217,213,000 | 3,030 |
| Average earning assets | $202,286,000 | 2,990 |
| Average equity | $17,675,500 | 3,608 |
| Average total loans | $151,051,500 | 2,993 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5459% | 2,741 |
| Cost of funding earning assets | 3.0959% | 1,516 |
| Net interest margin | 3.4500% | 5,467 |
| Noninterest income to average assets | 0.5549% | 4,192 |
| Noninterest expense to average assets | 3.7233% | 1,910 |
| Loan and lease loss provision to assets | 0.4548% | 3,015 |
| Net operating income to assets | -0.4010% | 6,824 |
| Return on assets (ROA) | -0.3464% | 6,644 |
| Pretax return on assets | -0.3464% | 6,499 |
| Return on Equity (ROE) | -4.5256% | 6,811 |
| Retained earnings to average equity (ytd only) | -4.5256% | 6,420 |
| Net charge-offs to loans | 0.5152% | 2,295 |
| Credit loss provision to net charge-offs | 136.9295% | 3,890 |
| Earnings coverage of net charge-offs (x) | 0.1618% | 6,152 |
| Efficiency ratio | 98.1391% | 1,058 |
| Assets per employee ($millions) | 2.8520% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 3,428 |
| Loan loss allowance to noncurrent loans | 87.7958% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.5336% | 3,152 |
| Noncurrent loans to loans | 1.5479% | 3,471 |
| Net loans and leases to total assets | 69.9031% | 4,040 |
| Net loans and leases to deposits | 93.5923% | 2,836 |
| Net loans and leases to core deposits | 129.3855% | 1,901 |
| Total domestic deposits to total assets | 74.6889% | 6,519 |
| Equity capital to assets | 8.0799% | 6,735 |
| Core capital (leverage) ratio | 6.7140% | 7,855 |
| Tier 1 risk-based capital ratio | 8.9916% | 7,786 |
| Total risk-based capital ratio | 10.2410% | 7,786 |
| Memoranda: | ||
| Average total assets | $217,682,400 | 2,903 |
| Average earning assets | $203,301,600 | 2,862 |
| Average equity | $16,660,800 | 3,796 |
| Average total loans | $140,322,400 | 3,095 |