Home > Fidelity Bank of Florida > Performance and Condition Ratios
Fidelity Bank of Florida, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7922% | 340 |
| Cost of funding earning assets | 1.2487% | 869 |
| Net interest margin | 4.5434% | 700 |
| Noninterest income to average assets | 0.2231% | 4,409 |
| Noninterest expense to average assets | 4.5759% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2954% | 5,166 |
| Return on assets (ROA) | 0.0376% | 5,097 |
| Pretax return on assets | 0.0505% | 5,093 |
| Return on Equity (ROE) | 0.2090% | 5,101 |
| Retained earnings to average equity (ytd only) | -1.2216% | 4,850 |
| Net charge-offs to loans | -0.0522% | 4,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8244% | 103 |
| Assets per employee ($millions) | 5.4455% | 2,010 |
| Cash dividends to net income (ytd only)* | 684.3750% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 557 |
| Loan loss allowance to noncurrent loans | 82.6572% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.5917% | 683 |
| Noncurrent loans to loans | 2.3034% | 564 |
| Net loans and leases to total assets | 67.7886% | 2,847 |
| Net loans and leases to deposits | 83.8215% | 2,508 |
| Net loans and leases to core deposits | 96.0686% | 2,064 |
| Total domestic deposits to total assets | 80.8726% | 3,853 |
| Equity capital to assets | 18.2442% | 354 |
| Core capital (leverage) ratio | 14.3989% | 853 |
| Tier 1 risk-based capital ratio | 20.5920% | 1,235 |
| Total risk-based capital ratio | 21.8554% | 1,204 |
| Memoranda: | ||
| Average total assets | $170,328,330 | 3,159 |
| Average earning assets | $149,270,330 | 3,232 |
| Average equity | $30,616,670 | 2,373 |
| Average total loans | $118,660,330 | 3,002 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 454 |
| Cost of funding earning assets | 1.1690% | 989 |
| Net interest margin | 4.4048% | 893 |
| Noninterest income to average assets | 0.1520% | 4,832 |
| Noninterest expense to average assets | 3.4205% | 1,082 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5073% | 4,502 |
| Return on assets (ROA) | 0.5073% | 4,522 |
| Pretax return on assets | 0.6780% | 4,352 |
| Return on Equity (ROE) | 2.8435% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.8435% | 3,799 |
| Net charge-offs to loans | -0.0535% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4569% | 750 |
| Assets per employee ($millions) | 5.4333% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 635 |
| Loan loss allowance to noncurrent loans | 92.2562% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.6410% | 681 |
| Noncurrent loans to loans | 2.0113% | 738 |
| Net loans and leases to total assets | 69.2103% | 2,597 |
| Net loans and leases to deposits | 84.9515% | 2,266 |
| Net loans and leases to core deposits | 96.7628% | 1,876 |
| Total domestic deposits to total assets | 81.4704% | 3,863 |
| Equity capital to assets | 18.3064% | 323 |
| Core capital (leverage) ratio | 14.5644% | 798 |
| Tier 1 risk-based capital ratio | 20.4677% | 1,252 |
| Total risk-based capital ratio | 21.7282% | 1,230 |
| Memoranda: | ||
| Average total assets | $171,087,500 | 3,182 |
| Average earning assets | $153,289,000 | 3,231 |
| Average equity | $30,526,000 | 2,384 |
| Average total loans | $119,663,000 | 3,024 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6494% | 300 |
| Cost of funding earning assets | 0.9572% | 900 |
| Net interest margin | 4.6923% | 496 |
| Noninterest income to average assets | 0.1238% | 5,060 |
| Noninterest expense to average assets | 3.1049% | 1,785 |
| Loan and lease loss provision to assets | -0.1447% | 5,299 |
| Net operating income to assets | 1.0047% | 2,988 |
| Return on assets (ROA) | 1.0047% | 2,976 |
| Pretax return on assets | 1.3455% | 2,339 |
| Return on Equity (ROE) | 5.8640% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.3811% | 3,137 |
| Net charge-offs to loans | 0.2039% | 938 |
| Credit loss provision to net charge-offs | -103.7344% | 4,400 |
| Earnings coverage of net charge-offs (x) | 8.6100% | 2,885 |
| Efficiency ratio | 72.1102% | 1,878 |
| Assets per employee ($millions) | 5.2649% | 2,187 |
| Cash dividends to net income (ytd only)* | 25.2880% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 662 |
| Loan loss allowance to noncurrent loans | 3,474.6032% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 3,583 |
| Noncurrent loans to loans | 0.0523% | 4,512 |
| Net loans and leases to total assets | 68.1240% | 2,866 |
| Net loans and leases to deposits | 82.8156% | 2,638 |
| Net loans and leases to core deposits | 96.3365% | 2,032 |
| Total domestic deposits to total assets | 82.2599% | 3,567 |
| Equity capital to assets | 17.3925% | 384 |
| Core capital (leverage) ratio | 13.9789% | 928 |
| Tier 1 risk-based capital ratio | 20.0226% | 1,298 |
| Total risk-based capital ratio | 21.2804% | 1,273 |
| Memoranda: | ||
| Average total assets | $172,792,000 | 3,141 |
| Average earning assets | $153,998,000 | 3,192 |
| Average equity | $29,604,400 | 2,357 |
| Average total loans | $118,191,400 | 3,016 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6250% | 289 |
| Cost of funding earning assets | 0.9063% | 891 |
| Net interest margin | 4.7187% | 452 |
| Noninterest income to average assets | 0.0889% | 5,247 |
| Noninterest expense to average assets | 3.0869% | 1,793 |
| Loan and lease loss provision to assets | -0.1932% | 5,394 |
| Net operating income to assets | 1.0478% | 2,875 |
| Return on assets (ROA) | 1.0478% | 2,886 |
| Pretax return on assets | 1.4032% | 2,214 |
| Return on Equity (ROE) | 6.1388% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.1474% | 3,161 |
| Net charge-offs to loans | 0.2948% | 563 |
| Credit loss provision to net charge-offs | -96.1538% | 4,227 |
| Earnings coverage of net charge-offs (x) | 6.0230% | 2,922 |
| Efficiency ratio | 71.8396% | 1,909 |
| Assets per employee ($millions) | 5.2854% | 2,136 |
| Cash dividends to net income (ytd only)* | 16.1503% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 634 |
| Loan loss allowance to noncurrent loans | 3,289.3939% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 3,672 |
| Noncurrent loans to loans | 0.0569% | 4,636 |
| Net loans and leases to total assets | 65.2427% | 3,282 |
| Net loans and leases to deposits | 78.8748% | 3,159 |
| Net loans and leases to core deposits | 90.8848% | 2,572 |
| Total domestic deposits to total assets | 82.7168% | 3,397 |
| Equity capital to assets | 17.0407% | 420 |
| Core capital (leverage) ratio | 13.7530% | 1,009 |
| Tier 1 risk-based capital ratio | 20.2224% | 1,294 |
| Total risk-based capital ratio | 21.4807% | 1,269 |
| Memoranda: | ||
| Average total assets | $172,554,500 | 3,170 |
| Average earning assets | $153,880,500 | 3,224 |
| Average equity | $29,451,000 | 2,373 |
| Average total loans | $117,602,000 | 3,047 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5448% | 301 |
| Cost of funding earning assets | 0.8424% | 951 |
| Net interest margin | 4.7023% | 432 |
| Noninterest income to average assets | 0.0477% | 5,405 |
| Noninterest expense to average assets | 3.2594% | 1,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7677% | 3,966 |
| Return on assets (ROA) | 0.7677% | 3,971 |
| Pretax return on assets | 1.0283% | 3,576 |
| Return on Equity (ROE) | 4.4958% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.4958% | 3,345 |
| Net charge-offs to loans | 0.4994% | 306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 2.9966% | 2,924 |
| Efficiency ratio | 76.0174% | 1,425 |
| Assets per employee ($millions) | 5.0778% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 490 |
| Loan loss allowance to noncurrent loans | 3,508.8235% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 3,431 |
| Noncurrent loans to loans | 0.0580% | 4,658 |
| Net loans and leases to total assets | 66.5775% | 3,066 |
| Net loans and leases to deposits | 80.4595% | 2,899 |
| Net loans and leases to core deposits | 90.9020% | 2,498 |
| Total domestic deposits to total assets | 82.7466% | 3,480 |
| Equity capital to assets | 17.0669% | 397 |
| Core capital (leverage) ratio | 13.7440% | 979 |
| Tier 1 risk-based capital ratio | 19.9087% | 1,333 |
| Total risk-based capital ratio | 21.1692% | 1,308 |
| Memoranda: | ||
| Average total assets | $171,933,330 | 3,195 |
| Average earning assets | $155,029,330 | 3,232 |
| Average equity | $29,360,670 | 2,390 |
| Average total loans | $118,147,330 | 3,059 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 234 |
| Cost of funding earning assets | 0.8198% | 872 |
| Net interest margin | 4.7858% | 355 |
| Noninterest income to average assets | 0.1072% | 5,302 |
| Noninterest expense to average assets | 3.3757% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8113% | 3,663 |
| Return on assets (ROA) | 0.8113% | 3,670 |
| Pretax return on assets | 1.0864% | 3,220 |
| Return on Equity (ROE) | 4.7495% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.7495% | 3,282 |
| Net charge-offs to loans | 0.7389% | 199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.1279% | 2,491 |
| Efficiency ratio | 75.6531% | 1,645 |
| Assets per employee ($millions) | 4.9078% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0723% | 478 |
| Loan loss allowance to noncurrent loans | 1,139.3519% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 2,915 |
| Noncurrent loans to loans | 0.1819% | 4,156 |
| Net loans and leases to total assets | 67.7041% | 2,801 |
| Net loans and leases to deposits | 82.4277% | 2,557 |
| Net loans and leases to core deposits | 91.4961% | 2,334 |
| Total domestic deposits to total assets | 82.1376% | 3,916 |
| Equity capital to assets | 17.0637% | 396 |
| Core capital (leverage) ratio | 13.3459% | 1,055 |
| Tier 1 risk-based capital ratio | 19.5916% | 1,419 |
| Total risk-based capital ratio | 20.8538% | 1,387 |
| Memoranda: | ||
| Average total assets | $171,578,000 | 3,230 |
| Average earning assets | $156,129,000 | 3,252 |
| Average equity | $29,308,500 | 2,417 |
| Average total loans | $118,557,000 | 3,083 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7896% | 171 |
| Cost of funding earning assets | 0.7401% | 851 |
| Net interest margin | 5.0496% | 218 |
| Noninterest income to average assets | 0.1802% | 5,055 |
| Noninterest expense to average assets | 2.9906% | 2,188 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.9446% | 5,579 |
| Return on assets (ROA) | -0.8928% | 5,574 |
| Pretax return on assets | 1.6984% | 1,011 |
| Return on Equity (ROE) | -4.9579% | 5,536 |
| Retained earnings to average equity (ytd only) | -6.0062% | 5,466 |
| Net charge-offs to loans | 0.3128% | 810 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 7.4380% | 3,042 |
| Efficiency ratio | 64.8985% | 3,465 |
| Assets per employee ($millions) | 4.7606% | 2,787 |
| Cash dividends to net income (ytd only)* | -21.1440% | 5,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2644% | 328 |
| Loan loss allowance to noncurrent loans | 207.5910% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1396% | 1,312 |
| Noncurrent loans to loans | 1.0908% | 1,625 |
| Net loans and leases to total assets | 67.4954% | 2,891 |
| Net loans and leases to deposits | 81.8706% | 2,731 |
| Net loans and leases to core deposits | 88.4873% | 2,685 |
| Total domestic deposits to total assets | 82.4416% | 3,746 |
| Equity capital to assets | 17.0998% | 390 |
| Core capital (leverage) ratio | 12.9166% | 1,173 |
| Tier 1 risk-based capital ratio | 17.9049% | 1,826 |
| Total risk-based capital ratio | 19.1875% | 1,764 |
| Memoranda: | ||
| Average total assets | $174,278,400 | 3,191 |
| Average earning assets | $152,824,600 | 3,286 |
| Average equity | $31,384,400 | 2,266 |
| Average total loans | $121,180,000 | 3,044 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 144 |
| Cost of funding earning assets | 0.7350% | 821 |
| Net interest margin | 5.1796% | 169 |
| Noninterest income to average assets | 0.2202% | 4,900 |
| Noninterest expense to average assets | 3.1983% | 1,559 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9430% | 2,816 |
| Return on assets (ROA) | 1.0118% | 2,549 |
| Pretax return on assets | 1.6228% | 1,343 |
| Return on Equity (ROE) | 5.5498% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.0901% | 2,820 |
| Net charge-offs to loans | 0.4233% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 5.1395% | 3,144 |
| Efficiency ratio | 67.8519% | 2,897 |
| Assets per employee ($millions) | 4.8151% | 2,678 |
| Cash dividends to net income (ytd only)* | 8.2830% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3254% | 336 |
| Loan loss allowance to noncurrent loans | 191.9540% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.2017% | 1,374 |
| Noncurrent loans to loans | 1.2114% | 1,569 |
| Net loans and leases to total assets | 64.7474% | 3,293 |
| Net loans and leases to deposits | 80.1266% | 2,963 |
| Net loans and leases to core deposits | 85.8663% | 2,983 |
| Total domestic deposits to total assets | 80.8063% | 4,100 |
| Equity capital to assets | 18.8107% | 279 |
| Core capital (leverage) ratio | 12.9583% | 1,223 |
| Tier 1 risk-based capital ratio | 17.8452% | 1,897 |
| Total risk-based capital ratio | 19.1368% | 1,839 |
| Memoranda: | ||
| Average total assets | $175,002,500 | 3,207 |
| Average earning assets | $151,823,250 | 3,331 |
| Average equity | $31,904,000 | 2,242 |
| Average total loans | $121,886,250 | 3,054 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9214% | 134 |
| Cost of funding earning assets | 0.7140% | 827 |
| Net interest margin | 5.2074% | 162 |
| Noninterest income to average assets | 0.1914% | 5,093 |
| Noninterest expense to average assets | 3.1477% | 1,710 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0208% | 2,330 |
| Return on assets (ROA) | 1.0208% | 2,374 |
| Pretax return on assets | 1.6382% | 1,232 |
| Return on Equity (ROE) | 5.6584% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.9637% | 2,731 |
| Net charge-offs to loans | 0.6408% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 3.6131% | 3,022 |
| Efficiency ratio | 65.7701% | 3,388 |
| Assets per employee ($millions) | 4.8814% | 2,538 |
| Cash dividends to net income (ytd only)* | 12.2768% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2306% | 413 |
| Loan loss allowance to noncurrent loans | 188.5188% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 1,296 |
| Noncurrent loans to loans | 1.1832% | 1,652 |
| Net loans and leases to total assets | 66.3446% | 3,052 |
| Net loans and leases to deposits | 81.6380% | 2,733 |
| Net loans and leases to core deposits | 87.2208% | 2,779 |
| Total domestic deposits to total assets | 81.2668% | 4,117 |
| Equity capital to assets | 18.3610% | 298 |
| Core capital (leverage) ratio | 12.3861% | 1,424 |
| Tier 1 risk-based capital ratio | 16.5321% | 2,309 |
| Total risk-based capital ratio | 17.8220% | 2,243 |
| Memoranda: | ||
| Average total assets | $175,555,670 | 3,218 |
| Average earning assets | $154,895,670 | 3,307 |
| Average equity | $31,669,670 | 2,251 |
| Average total loans | $124,212,670 | 3,037 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8049% | 154 |
| Cost of funding earning assets | 0.7039% | 829 |
| Net interest margin | 5.1010% | 185 |
| Noninterest income to average assets | 0.1778% | 5,210 |
| Noninterest expense to average assets | 3.2393% | 1,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8913% | 2,805 |
| Return on assets (ROA) | 0.8913% | 2,851 |
| Pretax return on assets | 1.4316% | 1,761 |
| Return on Equity (ROE) | 4.9854% | 4,398 |
| Retained earnings to average equity (ytd only) | 4.9854% | 2,906 |
| Net charge-offs to loans | -0.1168% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3509% | 2,990 |
| Assets per employee ($millions) | 4.6357% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4607% | 325 |
| Loan loss allowance to noncurrent loans | 102.3817% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 2.2860% | 536 |
| Noncurrent loans to loans | 2.4035% | 672 |
| Net loans and leases to total assets | 69.6436% | 2,448 |
| Net loans and leases to deposits | 85.1592% | 2,138 |
| Net loans and leases to core deposits | 89.8861% | 2,358 |
| Total domestic deposits to total assets | 81.7805% | 4,224 |
| Equity capital to assets | 17.9573% | 308 |
| Core capital (leverage) ratio | 12.0027% | 1,627 |
| Tier 1 risk-based capital ratio | 15.1479% | 2,900 |
| Total risk-based capital ratio | 16.4388% | 2,816 |
| Memoranda: | ||
| Average total assets | $175,468,000 | 3,244 |
| Average earning assets | $154,558,500 | 3,340 |
| Average equity | $31,371,500 | 2,270 |
| Average total loans | $126,695,000 | 3,013 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 389 |
| Cost of funding earning assets | 2.8718% | 1 |
| Net interest margin | 2.3665% | 5,674 |
| Noninterest income to average assets | 0.0396% | 5,795 |
| Noninterest expense to average assets | 2.8833% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4740% | 5,782 |
| Return on assets (ROA) | -0.4429% | 5,784 |
| Pretax return on assets | -0.7099% | 5,807 |
| Return on Equity (ROE) | -2.9022% | 5,753 |
| Retained earnings to average equity (ytd only) | -3.2459% | 5,595 |
| Net charge-offs to loans | 1.0527% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -1.2305% | 4,176 |
| Efficiency ratio | 135.6967% | 47 |
| Assets per employee ($millions) | 4.4815% | 3,140 |
| Cash dividends to net income (ytd only)* | -11.8407% | 5,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3963% | 357 |
| Loan loss allowance to noncurrent loans | 170.9335% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5957% | 1,005 |
| Noncurrent loans to loans | 1.4019% | 1,453 |
| Net loans and leases to total assets | 71.2643% | 2,291 |
| Net loans and leases to deposits | 86.9907% | 2,050 |
| Net loans and leases to core deposits | 92.0291% | 2,299 |
| Total domestic deposits to total assets | 81.9217% | 4,098 |
| Equity capital to assets | 17.7996% | 316 |
| Core capital (leverage) ratio | 11.1760% | 2,186 |
| Tier 1 risk-based capital ratio | 14.0324% | 3,447 |
| Total risk-based capital ratio | 15.3465% | 3,329 |
| Memoranda: | ||
| Average total assets | $209,762,400 | 2,854 |
| Average earning assets | $184,832,400 | 2,957 |
| Average equity | $32,009,800 | 2,224 |
| Average total loans | $122,831,200 | 3,025 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 477 |
| Cost of funding earning assets | 3.4727% | 1 |
| Net interest margin | 1.6460% | 5,911 |
| Noninterest income to average assets | -0.1788% | 5,964 |
| Noninterest expense to average assets | 2.5072% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.7788% | 5,890 |
| Return on assets (ROA) | -0.7389% | 5,887 |
| Pretax return on assets | -1.1734% | 5,911 |
| Return on Equity (ROE) | -5.0090% | 5,864 |
| Retained earnings to average equity (ytd only) | -5.0090% | 5,739 |
| Net charge-offs to loans | 0.7355% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -3.0179% | 3,880 |
| Efficiency ratio | 197.1689% | 11 |
| Assets per employee ($millions) | 4.3358% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9569% | 198 |
| Loan loss allowance to noncurrent loans | 97.0472% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 2.8650% | 422 |
| Noncurrent loans to loans | 3.0469% | 482 |
| Net loans and leases to total assets | 67.9575% | 2,808 |
| Net loans and leases to deposits | 82.8784% | 2,622 |
| Net loans and leases to core deposits | 87.7460% | 2,785 |
| Total domestic deposits to total assets | 81.9967% | 3,936 |
| Equity capital to assets | 17.7423% | 366 |
| Core capital (leverage) ratio | 9.7143% | 3,916 |
| Tier 1 risk-based capital ratio | 14.1175% | 3,494 |
| Total risk-based capital ratio | 15.4351% | 3,392 |
| Memoranda: | ||
| Average total assets | $218,508,250 | 2,783 |
| Average earning assets | $192,546,500 | 2,887 |
| Average equity | $32,234,750 | 2,234 |
| Average total loans | $121,635,750 | 3,043 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 682 |
| Cost of funding earning assets | 1.4130% | 23 |
| Net interest margin | 3.5120% | 3,446 |
| Noninterest income to average assets | -0.0112% | 6,018 |
| Noninterest expense to average assets | 2.3258% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4800% | 4,766 |
| Return on assets (ROA) | 0.4464% | 4,970 |
| Pretax return on assets | 0.7075% | 4,594 |
| Return on Equity (ROE) | 3.1910% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.1910% | 3,871 |
| Net charge-offs to loans | 1.0523% | 166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3890% | 3,416 |
| Efficiency ratio | 75.3700% | 2,169 |
| Assets per employee ($millions) | 5.8417% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 190 |
| Loan loss allowance to noncurrent loans | 142.0329% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8937% | 886 |
| Noncurrent loans to loans | 2.1197% | 916 |
| Net loans and leases to total assets | 51.2447% | 4,743 |
| Net loans and leases to deposits | 79.8711% | 2,942 |
| Net loans and leases to core deposits | 83.7474% | 3,104 |
| Total domestic deposits to total assets | 64.1593% | 5,927 |
| Equity capital to assets | 14.2455% | 946 |
| Core capital (leverage) ratio | 9.5881% | 4,084 |
| Tier 1 risk-based capital ratio | 16.3002% | 2,500 |
| Total risk-based capital ratio | 17.6226% | 2,421 |
| Memoranda: | ||
| Average total assets | $232,088,670 | 2,662 |
| Average earning assets | $204,671,670 | 2,765 |
| Average equity | $32,466,330 | 2,223 |
| Average total loans | $120,685,330 | 3,068 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 602 |
| Cost of funding earning assets | 1.4247% | 23 |
| Net interest margin | 3.5588% | 3,243 |
| Noninterest income to average assets | -0.0069% | 6,088 |
| Noninterest expense to average assets | 2.3917% | 4,395 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4583% | 4,793 |
| Return on assets (ROA) | 0.3908% | 5,097 |
| Pretax return on assets | 0.6191% | 4,761 |
| Return on Equity (ROE) | 2.8201% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.8201% | 4,106 |
| Net charge-offs to loans | 0.6874% | 313 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.0439% | 2,738 |
| Efficiency ratio | 76.7481% | 2,073 |
| Assets per employee ($millions) | 5.6782% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4965% | 138 |
| Loan loss allowance to noncurrent loans | 161.8657% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 1.9179% | 929 |
| Noncurrent loans to loans | 2.1601% | 960 |
| Net loans and leases to total assets | 49.1645% | 4,877 |
| Net loans and leases to deposits | 76.3391% | 3,179 |
| Net loans and leases to core deposits | 80.0894% | 3,309 |
| Total domestic deposits to total assets | 64.4029% | 5,992 |
| Equity capital to assets | 13.9080% | 1,021 |
| Core capital (leverage) ratio | 9.5205% | 4,161 |
| Tier 1 risk-based capital ratio | 15.9400% | 2,710 |
| Total risk-based capital ratio | 17.2663% | 2,626 |
| Memoranda: | ||
| Average total assets | $231,299,500 | 2,679 |
| Average earning assets | $202,991,500 | 2,791 |
| Average equity | $32,056,000 | 2,241 |
| Average total loans | $119,298,500 | 3,096 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 449 |
| Cost of funding earning assets | 1.4074% | 22 |
| Net interest margin | 3.7698% | 2,482 |
| Noninterest income to average assets | -0.2045% | 6,160 |
| Noninterest expense to average assets | 2.6186% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2636% | 5,450 |
| Return on assets (ROA) | 0.3922% | 5,156 |
| Pretax return on assets | 0.6749% | 4,597 |
| Return on Equity (ROE) | 2.9107% | 5,333 |
| Retained earnings to average equity (ytd only) | 2.9107% | 3,984 |
| Net charge-offs to loans | -0.1120% | 5,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6763% | 1,125 |
| Assets per employee ($millions) | 5.4712% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6269% | 116 |
| Loan loss allowance to noncurrent loans | 149.6561% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0057% | 878 |
| Noncurrent loans to loans | 2.4235% | 778 |
| Net loans and leases to total assets | 50.3236% | 4,840 |
| Net loans and leases to deposits | 78.2518% | 3,028 |
| Net loans and leases to core deposits | 81.2425% | 3,223 |
| Total domestic deposits to total assets | 64.3097% | 6,043 |
| Equity capital to assets | 13.8095% | 1,002 |
| Core capital (leverage) ratio | 9.3879% | 4,341 |
| Tier 1 risk-based capital ratio | 15.3967% | 2,991 |
| Total risk-based capital ratio | 16.7413% | 2,873 |
| Memoranda: | ||
| Average total assets | $232,762,200 | 2,638 |
| Average earning assets | $203,565,800 | 2,744 |
| Average equity | $31,367,000 | 2,230 |
| Average total loans | $127,639,800 | 2,924 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 441 |
| Cost of funding earning assets | 1.4155% | 23 |
| Net interest margin | 3.7865% | 2,436 |
| Noninterest income to average assets | -0.2861% | 6,255 |
| Noninterest expense to average assets | 2.6237% | 3,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2572% | 5,559 |
| Return on assets (ROA) | 0.4282% | 5,141 |
| Pretax return on assets | 0.6721% | 4,772 |
| Return on Equity (ROE) | 3.1973% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.1973% | 4,186 |
| Net charge-offs to loans | 0.1513% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.8230% | 3,295 |
| Efficiency ratio | 86.6327% | 960 |
| Assets per employee ($millions) | 5.5959% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2631% | 187 |
| Loan loss allowance to noncurrent loans | 173.9615% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 1,232 |
| Noncurrent loans to loans | 1.8758% | 1,234 |
| Net loans and leases to total assets | 52.4866% | 4,709 |
| Net loans and leases to deposits | 81.6995% | 2,681 |
| Net loans and leases to core deposits | 84.2482% | 3,017 |
| Total domestic deposits to total assets | 64.2434% | 6,125 |
| Equity capital to assets | 13.7810% | 1,111 |
| Core capital (leverage) ratio | 9.4401% | 4,381 |
| Tier 1 risk-based capital ratio | 16.0329% | 2,780 |
| Total risk-based capital ratio | 17.3742% | 2,695 |
| Memoranda: | ||
| Average total assets | $233,505,000 | 2,657 |
| Average earning assets | $204,403,750 | 2,747 |
| Average equity | $31,275,500 | 2,253 |
| Average total loans | $129,552,000 | 2,911 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2070% | 422 |
| Cost of funding earning assets | 1.4408% | 17 |
| Net interest margin | 3.7663% | 2,453 |
| Noninterest income to average assets | -0.4045% | 6,332 |
| Noninterest expense to average assets | 2.5641% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1912% | 5,717 |
| Return on assets (ROA) | 0.4462% | 5,085 |
| Pretax return on assets | 0.7179% | 4,605 |
| Return on Equity (ROE) | 3.3631% | 5,285 |
| Retained earnings to average equity (ytd only) | 3.3631% | 3,903 |
| Net charge-offs to loans | 0.3185% | 827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.7943% | 3,451 |
| Efficiency ratio | 88.9250% | 834 |
| Assets per employee ($millions) | 5.5718% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1123% | 245 |
| Loan loss allowance to noncurrent loans | 193.2367% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.6779% | 1,420 |
| Noncurrent loans to loans | 1.6106% | 1,631 |
| Net loans and leases to total assets | 54.5081% | 4,502 |
| Net loans and leases to deposits | 84.7872% | 2,212 |
| Net loans and leases to core deposits | 87.4329% | 2,616 |
| Total domestic deposits to total assets | 64.2881% | 6,200 |
| Equity capital to assets | 13.6470% | 1,108 |
| Core capital (leverage) ratio | 9.2440% | 4,629 |
| Tier 1 risk-based capital ratio | 15.6724% | 3,007 |
| Total risk-based capital ratio | 17.0127% | 2,925 |
| Memoranda: | ||
| Average total assets | $234,862,670 | 2,663 |
| Average earning assets | $205,030,330 | 2,755 |
| Average equity | $31,161,330 | 2,273 |
| Average total loans | $131,241,670 | 2,887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3203% | 343 |
| Cost of funding earning assets | 1.5013% | 14 |
| Net interest margin | 3.8190% | 2,170 |
| Noninterest income to average assets | -0.6385% | 6,402 |
| Noninterest expense to average assets | 2.7286% | 3,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0325% | 6,044 |
| Return on assets (ROA) | 0.4973% | 4,815 |
| Pretax return on assets | 0.7174% | 4,542 |
| Return on Equity (ROE) | 3.8005% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.8005% | 3,728 |
| Net charge-offs to loans | -0.5460% | 6,252 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8821% | 317 |
| Assets per employee ($millions) | 6.1096% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3665% | 205 |
| Loan loss allowance to noncurrent loans | 191.3688% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9245% | 1,258 |
| Noncurrent loans to loans | 1.7592% | 1,550 |
| Net loans and leases to total assets | 54.2774% | 4,411 |
| Net loans and leases to deposits | 83.6428% | 2,123 |
| Net loans and leases to core deposits | 85.6333% | 2,590 |
| Total domestic deposits to total assets | 64.8919% | 6,259 |
| Equity capital to assets | 13.4242% | 1,203 |
| Core capital (leverage) ratio | 8.9996% | 4,954 |
| Tier 1 risk-based capital ratio | 13.8242% | 4,132 |
| Total risk-based capital ratio | 15.0958% | 4,043 |
| Memoranda: | ||
| Average total assets | $238,071,500 | 2,651 |
| Average earning assets | $206,757,000 | 2,762 |
| Average equity | $31,154,000 | 2,285 |
| Average total loans | $132,602,000 | 2,871 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6681% | 243 |
| Cost of funding earning assets | 1.9960% | 6 |
| Net interest margin | 3.6721% | 3,121 |
| Noninterest income to average assets | -0.1131% | 6,455 |
| Noninterest expense to average assets | 2.5289% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3982% | 5,231 |
| Return on assets (ROA) | 0.3985% | 5,296 |
| Pretax return on assets | 0.5375% | 5,150 |
| Return on Equity (ROE) | 3.5317% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.5317% | 3,710 |
| Net charge-offs to loans | 0.9745% | 317 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.9937% | 4,520 |
| Efficiency ratio | 82.4801% | 1,608 |
| Assets per employee ($millions) | 5.9507% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1224% | 259 |
| Loan loss allowance to noncurrent loans | 232.7987% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 2.9757% | 681 |
| Noncurrent loans to loans | 1.3412% | 2,191 |
| Net loans and leases to total assets | 53.5261% | 4,634 |
| Net loans and leases to deposits | 80.3545% | 2,675 |
| Net loans and leases to core deposits | 82.7481% | 3,025 |
| Total domestic deposits to total assets | 66.6124% | 6,310 |
| Equity capital to assets | 12.7642% | 1,492 |
| Core capital (leverage) ratio | 7.9966% | 6,008 |
| Tier 1 risk-based capital ratio | 12.5688% | 4,992 |
| Total risk-based capital ratio | 13.8376% | 4,899 |
| Memoranda: | ||
| Average total assets | $262,487,400 | 2,407 |
| Average earning assets | $227,255,200 | 2,549 |
| Average equity | $29,617,200 | 2,292 |
| Average total loans | $145,606,400 | 2,632 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7244% | 218 |
| Cost of funding earning assets | 2.0750% | 4 |
| Net interest margin | 3.6494% | 3,227 |
| Noninterest income to average assets | 0.0010% | 6,475 |
| Noninterest expense to average assets | 2.6195% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3853% | 5,299 |
| Return on assets (ROA) | 0.3853% | 5,380 |
| Pretax return on assets | 0.5436% | 5,198 |
| Return on Equity (ROE) | 3.5207% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.5207% | 4,137 |
| Net charge-offs to loans | 1.1292% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.8670% | 4,294 |
| Efficiency ratio | 82.8152% | 1,518 |
| Assets per employee ($millions) | 6.0620% | 1,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0887% | 325 |
| Loan loss allowance to noncurrent loans | 153.9437% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 3.6610% | 570 |
| Noncurrent loans to loans | 2.0064% | 1,581 |
| Net loans and leases to total assets | 53.8778% | 4,590 |
| Net loans and leases to deposits | 78.8556% | 2,858 |
| Net loans and leases to core deposits | 81.7110% | 3,128 |
| Total domestic deposits to total assets | 68.3247% | 6,342 |
| Equity capital to assets | 11.8291% | 2,205 |
| Core capital (leverage) ratio | 7.7426% | 6,199 |
| Tier 1 risk-based capital ratio | 11.9296% | 5,533 |
| Total risk-based capital ratio | 13.1936% | 5,442 |
| Memoranda: | ||
| Average total assets | $267,114,250 | 2,399 |
| Average earning assets | $231,446,250 | 2,526 |
| Average equity | $29,236,000 | 2,333 |
| Average total loans | $148,307,500 | 2,602 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8466% | 178 |
| Cost of funding earning assets | 2.1485% | 4 |
| Net interest margin | 3.6981% | 2,971 |
| Noninterest income to average assets | 0.0700% | 6,377 |
| Noninterest expense to average assets | 2.6408% | 4,094 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4534% | 4,997 |
| Return on assets (ROA) | 0.4534% | 5,077 |
| Pretax return on assets | 0.6384% | 4,823 |
| Return on Equity (ROE) | 4.2498% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.2498% | 3,468 |
| Net charge-offs to loans | 1.3443% | 220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.8557% | 3,953 |
| Efficiency ratio | 80.5306% | 1,942 |
| Assets per employee ($millions) | 6.2436% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2182% | 298 |
| Loan loss allowance to noncurrent loans | 121.4098% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 3.8592% | 576 |
| Noncurrent loans to loans | 2.6507% | 1,144 |
| Net loans and leases to total assets | 52.9367% | 4,650 |
| Net loans and leases to deposits | 76.3783% | 3,008 |
| Net loans and leases to core deposits | 80.0327% | 3,210 |
| Total domestic deposits to total assets | 69.3086% | 6,378 |
| Equity capital to assets | 11.4369% | 2,479 |
| Core capital (leverage) ratio | 7.3224% | 6,364 |
| Tier 1 risk-based capital ratio | 11.5709% | 5,762 |
| Total risk-based capital ratio | 12.7695% | 5,744 |
| Memoranda: | ||
| Average total assets | $271,285,000 | 2,363 |
| Average earning assets | $235,418,000 | 2,484 |
| Average equity | $28,942,330 | 2,348 |
| Average total loans | $150,561,330 | 2,568 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8658% | 173 |
| Cost of funding earning assets | 2.1684% | 5 |
| Net interest margin | 3.6974% | 2,875 |
| Noninterest income to average assets | 0.0696% | 6,422 |
| Noninterest expense to average assets | 2.6815% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6004% | 4,202 |
| Return on assets (ROA) | 0.6004% | 4,278 |
| Pretax return on assets | 0.6004% | 4,828 |
| Return on Equity (ROE) | 5.8273% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.8273% | 2,634 |
| Net charge-offs to loans | 1.0952% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9810% | 3,219 |
| Efficiency ratio | 81.7057% | 1,962 |
| Assets per employee ($millions) | 5.9576% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4735% | 274 |
| Loan loss allowance to noncurrent loans | 86.4519% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 4.9319% | 420 |
| Noncurrent loans to loans | 4.0179% | 672 |
| Net loans and leases to total assets | 53.9731% | 4,425 |
| Net loans and leases to deposits | 76.7621% | 2,719 |
| Net loans and leases to core deposits | 80.6148% | 2,896 |
| Total domestic deposits to total assets | 70.3122% | 6,442 |
| Equity capital to assets | 10.8119% | 2,925 |
| Core capital (leverage) ratio | 6.8205% | 6,504 |
| Tier 1 risk-based capital ratio | 10.6836% | 6,281 |
| Total risk-based capital ratio | 11.9561% | 6,234 |
| Memoranda: | ||
| Average total assets | $275,812,500 | 2,331 |
| Average earning assets | $239,627,500 | 2,449 |
| Average equity | $28,418,000 | 2,375 |
| Average total loans | $154,126,000 | 2,533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0412% | 161 |
| Cost of funding earning assets | 2.2781% | 5 |
| Net interest margin | 3.7631% | 2,792 |
| Noninterest income to average assets | -0.1846% | 6,753 |
| Noninterest expense to average assets | 2.6430% | 4,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 5.0946% | 45 |
| Return on assets (ROA) | 5.1280% | 44 |
| Pretax return on assets | 0.6058% | 4,862 |
| Return on Equity (ROE) | 82.8574% | 5 |
| Retained earnings to average equity (ytd only) | 82.8574% | 2 |
| Net charge-offs to loans | 3.1509% | 74 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2918% | 4,986 |
| Efficiency ratio | 82.1966% | 1,858 |
| Assets per employee ($millions) | 6.3007% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5542% | 275 |
| Loan loss allowance to noncurrent loans | 64.5857% | 4,691 |
| Noncurrent assets plus other real estate owned to assets | 5.3599% | 414 |
| Noncurrent loans to loans | 5.5031% | 414 |
| Net loans and leases to total assets | 53.8631% | 4,594 |
| Net loans and leases to deposits | 74.4419% | 3,198 |
| Net loans and leases to core deposits | 77.8567% | 3,384 |
| Total domestic deposits to total assets | 72.3559% | 6,401 |
| Equity capital to assets | 9.8225% | 3,996 |
| Core capital (leverage) ratio | 6.5387% | 6,589 |
| Tier 1 risk-based capital ratio | 9.8850% | 6,542 |
| Total risk-based capital ratio | 11.1588% | 6,504 |
| Memoranda: | ||
| Average total assets | $293,644,400 | 2,186 |
| Average earning assets | $265,313,400 | 2,217 |
| Average equity | $18,173,400 | 3,392 |
| Average total loans | $182,834,600 | 2,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0713% | 154 |
| Cost of funding earning assets | 2.2753% | 5 |
| Net interest margin | 3.7960% | 2,652 |
| Noninterest income to average assets | 0.0824% | 6,536 |
| Noninterest expense to average assets | 2.8982% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1511% | 1,808 |
| Return on assets (ROA) | 1.1952% | 1,727 |
| Pretax return on assets | 0.6870% | 4,729 |
| Return on Equity (ROE) | 22.4696% | 190 |
| Retained earnings to average equity (ytd only) | 22.4696% | 62 |
| Net charge-offs to loans | 2.6037% | 113 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3870% | 4,737 |
| Efficiency ratio | 81.8459% | 1,842 |
| Assets per employee ($millions) | 6.2870% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4999% | 161 |
| Loan loss allowance to noncurrent loans | 62.0687% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 7.3619% | 266 |
| Noncurrent loans to loans | 7.2499% | 280 |
| Net loans and leases to total assets | 57.7528% | 4,051 |
| Net loans and leases to deposits | 75.6350% | 3,008 |
| Net loans and leases to core deposits | 78.9246% | 3,238 |
| Total domestic deposits to total assets | 76.3573% | 6,133 |
| Equity capital to assets | 5.6978% | 6,720 |
| Core capital (leverage) ratio | 6.1110% | 6,705 |
| Tier 1 risk-based capital ratio | 9.9418% | 6,605 |
| Total risk-based capital ratio | 11.2299% | 6,565 |
| Memoranda: | ||
| Average total assets | $296,172,500 | 2,178 |
| Average earning assets | $269,853,000 | 2,190 |
| Average equity | $15,754,250 | 3,784 |
| Average total loans | $188,956,500 | 2,109 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1184% | 150 |
| Cost of funding earning assets | 2.2601% | 4 |
| Net interest margin | 3.8583% | 2,347 |
| Noninterest income to average assets | 0.0080% | 6,775 |
| Noninterest expense to average assets | 2.7679% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4358% | 1,010 |
| Return on assets (ROA) | 1.4358% | 1,095 |
| Pretax return on assets | 0.7612% | 4,463 |
| Return on Equity (ROE) | 27.6094% | 91 |
| Retained earnings to average equity (ytd only) | 27.6094% | 39 |
| Net charge-offs to loans | 3.2066% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3661% | 4,417 |
| Efficiency ratio | 78.4314% | 2,388 |
| Assets per employee ($millions) | 6.3825% | 964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5911% | 167 |
| Loan loss allowance to noncurrent loans | 62.8059% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 7.5059% | 299 |
| Noncurrent loans to loans | 7.3100% | 312 |
| Net loans and leases to total assets | 58.4936% | 3,910 |
| Net loans and leases to deposits | 75.3600% | 2,963 |
| Net loans and leases to core deposits | 78.7920% | 3,191 |
| Total domestic deposits to total assets | 77.6189% | 6,043 |
| Equity capital to assets | 5.1128% | 6,820 |
| Core capital (leverage) ratio | 5.8943% | 6,764 |
| Tier 1 risk-based capital ratio | 9.4134% | 6,731 |
| Total risk-based capital ratio | 10.7027% | 6,715 |
| Memoranda: | ||
| Average total assets | $300,591,330 | 2,160 |
| Average earning assets | $274,319,000 | 2,160 |
| Average equity | $15,632,330 | 3,833 |
| Average total loans | $194,911,670 | 2,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1917% | 131 |
| Cost of funding earning assets | 2.2419% | 4 |
| Net interest margin | 3.9499% | 1,947 |
| Noninterest income to average assets | -0.0947% | 6,918 |
| Noninterest expense to average assets | 2.4966% | 4,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9613% | 366 |
| Return on assets (ROA) | 1.9613% | 395 |
| Pretax return on assets | 1.0194% | 3,265 |
| Return on Equity (ROE) | 37.4083% | 42 |
| Retained earnings to average equity (ytd only) | 37.4083% | 27 |
| Net charge-offs to loans | 3.1250% | 108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4902% | 3,658 |
| Efficiency ratio | 71.0064% | 3,787 |
| Assets per employee ($millions) | 7.3072% | 668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0136% | 132 |
| Loan loss allowance to noncurrent loans | 54.3892% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 9.5034% | 220 |
| Noncurrent loans to loans | 9.2180% | 251 |
| Net loans and leases to total assets | 62.0233% | 3,059 |
| Net loans and leases to deposits | 79.9587% | 2,079 |
| Net loans and leases to core deposits | 83.4063% | 2,406 |
| Total domestic deposits to total assets | 77.5692% | 6,176 |
| Equity capital to assets | 5.4934% | 6,864 |
| Core capital (leverage) ratio | 5.5017% | 6,844 |
| Tier 1 risk-based capital ratio | 8.3531% | 6,847 |
| Total risk-based capital ratio | 9.6483% | 6,848 |
| Memoranda: | ||
| Average total assets | $304,089,000 | 2,159 |
| Average earning assets | $277,983,500 | 2,165 |
| Average equity | $15,943,000 | 3,829 |
| Average total loans | $202,368,000 | 2,013 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3804% | 148 |
| Cost of funding earning assets | 2.5481% | 7 |
| Net interest margin | 3.8322% | 3,093 |
| Noninterest income to average assets | 0.1212% | 6,429 |
| Noninterest expense to average assets | 3.2109% | 2,574 |
| Loan and lease loss provision to assets | 0.6533% | 817 |
| Net operating income to assets | -0.1324% | 6,319 |
| Return on assets (ROA) | 0.2288% | 5,900 |
| Pretax return on assets | 0.2498% | 5,910 |
| Return on Equity (ROE) | 5.2192% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.2192% | 2,559 |
| Net charge-offs to loans | 3.0235% | 163 |
| Credit loss provision to net charge-offs | 30.3030% | 5,107 |
| Earnings coverage of net charge-offs (x) | 0.2368% | 5,355 |
| Efficiency ratio | 86.2824% | 1,401 |
| Assets per employee ($millions) | 7.5264% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4465% | 99 |
| Loan loss allowance to noncurrent loans | 44.0563% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 11.0911% | 180 |
| Noncurrent loans to loans | 12.3625% | 140 |
| Net loans and leases to total assets | 64.0736% | 2,887 |
| Net loans and leases to deposits | 81.5360% | 2,067 |
| Net loans and leases to core deposits | 84.9684% | 2,431 |
| Total domestic deposits to total assets | 78.5833% | 5,974 |
| Equity capital to assets | 4.9997% | 6,952 |
| Core capital (leverage) ratio | 4.9027% | 6,942 |
| Tier 1 risk-based capital ratio | 7.3191% | 6,938 |
| Total risk-based capital ratio | 8.6203% | 6,936 |
| Memoranda: | ||
| Average total assets | $329,102,600 | 1,961 |
| Average earning assets | $309,167,200 | 1,917 |
| Average equity | $14,427,600 | 4,080 |
| Average total loans | $234,663,200 | 1,739 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2618% | 192 |
| Cost of funding earning assets | 2.6181% | 5 |
| Net interest margin | 3.6437% | 4,035 |
| Noninterest income to average assets | 0.0283% | 6,869 |
| Noninterest expense to average assets | 3.0357% | 3,110 |
| Loan and lease loss provision to assets | 0.8577% | 536 |
| Net operating income to assets | -0.3546% | 6,620 |
| Return on assets (ROA) | 0.1420% | 6,199 |
| Pretax return on assets | 0.0710% | 6,309 |
| Return on Equity (ROE) | 3.3479% | 5,552 |
| Retained earnings to average equity (ytd only) | 3.3479% | 4,512 |
| Net charge-offs to loans | 3.2125% | 157 |
| Credit loss provision to net charge-offs | 37.0179% | 4,681 |
| Earnings coverage of net charge-offs (x) | 0.1865% | 5,236 |
| Efficiency ratio | 87.5417% | 1,247 |
| Assets per employee ($millions) | 7.8446% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6933% | 87 |
| Loan loss allowance to noncurrent loans | 45.4402% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 12.0698% | 161 |
| Noncurrent loans to loans | 12.5291% | 152 |
| Net loans and leases to total assets | 65.2840% | 2,785 |
| Net loans and leases to deposits | 84.0036% | 1,872 |
| Net loans and leases to core deposits | 87.3185% | 2,303 |
| Total domestic deposits to total assets | 77.7157% | 6,131 |
| Equity capital to assets | 4.7779% | 7,060 |
| Core capital (leverage) ratio | 4.6214% | 7,050 |
| Tier 1 risk-based capital ratio | 6.9095% | 7,052 |
| Total risk-based capital ratio | 8.2159% | 7,048 |
| Memoranda: | ||
| Average total assets | $334,233,000 | 1,950 |
| Average earning assets | $315,493,500 | 1,899 |
| Average equity | $14,177,500 | 4,168 |
| Average total loans | $241,052,000 | 1,723 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0850% | 263 |
| Cost of funding earning assets | 2.6000% | 7 |
| Net interest margin | 3.4850% | 4,739 |
| Noninterest income to average assets | 0.0148% | 6,959 |
| Noninterest expense to average assets | 3.1108% | 2,893 |
| Loan and lease loss provision to assets | 1.2706% | 316 |
| Net operating income to assets | -1.0111% | 6,916 |
| Return on assets (ROA) | -0.8315% | 6,894 |
| Pretax return on assets | -0.8776% | 6,875 |
| Return on Equity (ROE) | -20.4194% | 7,044 |
| Retained earnings to average equity (ytd only) | -20.4194% | 7,020 |
| Net charge-offs to loans | 3.9161% | 112 |
| Credit loss provision to net charge-offs | 44.4215% | 4,159 |
| Earnings coverage of net charge-offs (x) | 0.0713% | 5,046 |
| Efficiency ratio | 93.8492% | 810 |
| Assets per employee ($millions) | 7.8810% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8416% | 85 |
| Loan loss allowance to noncurrent loans | 31.6053% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 15.9000% | 81 |
| Noncurrent loans to loans | 18.4829% | 58 |
| Net loans and leases to total assets | 66.4418% | 2,582 |
| Net loans and leases to deposits | 84.1730% | 1,831 |
| Net loans and leases to core deposits | 87.2406% | 2,288 |
| Total domestic deposits to total assets | 78.9348% | 5,973 |
| Equity capital to assets | 4.0610% | 7,139 |
| Core capital (leverage) ratio | 3.9693% | 7,137 |
| Tier 1 risk-based capital ratio | 5.9063% | 7,128 |
| Total risk-based capital ratio | 7.2157% | 7,129 |
| Memoranda: | ||
| Average total assets | $338,434,000 | 1,925 |
| Average earning assets | $320,462,330 | 1,866 |
| Average equity | $13,781,000 | 4,236 |
| Average total loans | $247,186,330 | 1,677 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1764% | 237 |
| Cost of funding earning assets | 2.5982% | 5 |
| Net interest margin | 3.5782% | 4,360 |
| Noninterest income to average assets | -0.0620% | 7,149 |
| Noninterest expense to average assets | 3.5365% | 1,687 |
| Loan and lease loss provision to assets | 1.6367% | 202 |
| Net operating income to assets | -1.8214% | 7,137 |
| Return on assets (ROA) | -1.8214% | 7,141 |
| Pretax return on assets | -1.8331% | 7,118 |
| Return on Equity (ROE) | -44.6722% | 7,213 |
| Retained earnings to average equity (ytd only) | -44.6722% | 7,200 |
| Net charge-offs to loans | 3.8410% | 156 |
| Credit loss provision to net charge-offs | 57.4006% | 3,163 |
| Earnings coverage of net charge-offs (x) | -0.0689% | 4,398 |
| Efficiency ratio | 105.8803% | 410 |
| Assets per employee ($millions) | 8.1416% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1788% | 73 |
| Loan loss allowance to noncurrent loans | 30.3256% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 16.8898% | 79 |
| Noncurrent loans to loans | 20.3748% | 45 |
| Net loans and leases to total assets | 69.5754% | 1,827 |
| Net loans and leases to deposits | 87.8339% | 1,188 |
| Net loans and leases to core deposits | 90.8837% | 1,764 |
| Total domestic deposits to total assets | 79.2124% | 6,033 |
| Equity capital to assets | 3.9484% | 7,193 |
| Core capital (leverage) ratio | 3.8417% | 7,192 |
| Tier 1 risk-based capital ratio | 5.6396% | 7,183 |
| Total risk-based capital ratio | 6.9556% | 7,184 |
| Memoranda: | ||
| Average total assets | $342,150,500 | 1,916 |
| Average earning assets | $325,302,000 | 1,852 |
| Average equity | $13,950,500 | 4,208 |
| Average total loans | $253,996,000 | 1,637 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1267% | 349 |
| Cost of funding earning assets | 2.6566% | 19 |
| Net interest margin | 3.4701% | 5,251 |
| Noninterest income to average assets | -0.0046% | 7,007 |
| Noninterest expense to average assets | 2.5531% | 5,274 |
| Loan and lease loss provision to assets | 1.6430% | 425 |
| Net operating income to assets | -0.8879% | 6,695 |
| Return on assets (ROA) | -0.8879% | 6,722 |
| Pretax return on assets | -0.9027% | 6,691 |
| Return on Equity (ROE) | -20.5265% | 6,988 |
| Retained earnings to average equity (ytd only) | -20.5265% | 6,972 |
| Net charge-offs to loans | 3.4393% | 228 |
| Credit loss provision to net charge-offs | 62.1217% | 5,115 |
| Earnings coverage of net charge-offs (x) | 0.2799% | 5,618 |
| Efficiency ratio | 77.5197% | 2,659 |
| Assets per employee ($millions) | 8.9871% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2710% | 75 |
| Loan loss allowance to noncurrent loans | 32.2921% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 16.0561% | 95 |
| Noncurrent loans to loans | 19.4198% | 54 |
| Net loans and leases to total assets | 69.6493% | 2,101 |
| Net loans and leases to deposits | 87.2570% | 1,480 |
| Net loans and leases to core deposits | 90.7768% | 2,010 |
| Total domestic deposits to total assets | 79.8209% | 5,791 |
| Equity capital to assets | 4.2000% | 7,211 |
| Core capital (leverage) ratio | 4.1142% | 7,202 |
| Tier 1 risk-based capital ratio | 6.0255% | 7,202 |
| Total risk-based capital ratio | 7.3429% | 7,199 |
| Memoranda: | ||
| Average total assets | $366,028,600 | 1,773 |
| Average earning assets | $347,885,800 | 1,707 |
| Average equity | $15,833,200 | 3,752 |
| Average total loans | $281,478,000 | 1,513 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0883% | 399 |
| Cost of funding earning assets | 2.6572% | 22 |
| Net interest margin | 3.4311% | 5,458 |
| Noninterest income to average assets | -0.0011% | 7,119 |
| Noninterest expense to average assets | 2.4128% | 5,730 |
| Loan and lease loss provision to assets | 1.5416% | 437 |
| Net operating income to assets | -0.6812% | 6,749 |
| Return on assets (ROA) | -0.6812% | 6,779 |
| Pretax return on assets | -0.6956% | 6,732 |
| Return on Equity (ROE) | -15.6409% | 7,027 |
| Retained earnings to average equity (ytd only) | -15.6409% | 7,001 |
| Net charge-offs to loans | 3.6600% | 198 |
| Credit loss provision to net charge-offs | 54.3387% | 4,942 |
| Earnings coverage of net charge-offs (x) | 0.2982% | 5,380 |
| Efficiency ratio | 74.0405% | 3,176 |
| Assets per employee ($millions) | 9.2151% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0219% | 90 |
| Loan loss allowance to noncurrent loans | 32.5606% | 6,104 |
| Noncurrent assets plus other real estate owned to assets | 15.4061% | 122 |
| Noncurrent loans to loans | 18.4944% | 72 |
| Net loans and leases to total assets | 71.2368% | 1,860 |
| Net loans and leases to deposits | 89.1446% | 1,303 |
| Net loans and leases to core deposits | 92.5586% | 1,929 |
| Total domestic deposits to total assets | 79.9115% | 5,761 |
| Equity capital to assets | 4.4734% | 7,294 |
| Core capital (leverage) ratio | 4.3764% | 7,280 |
| Tier 1 risk-based capital ratio | 6.1925% | 7,291 |
| Total risk-based capital ratio | 7.5052% | 7,289 |
| Memoranda: | ||
| Average total assets | $369,911,750 | 1,764 |
| Average earning assets | $351,439,500 | 1,692 |
| Average equity | $16,111,250 | 3,719 |
| Average total loans | $286,734,750 | 1,504 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1379% | 361 |
| Cost of funding earning assets | 2.6607% | 22 |
| Net interest margin | 3.4772% | 5,258 |
| Noninterest income to average assets | -0.0139% | 7,214 |
| Noninterest expense to average assets | 2.5553% | 5,337 |
| Loan and lease loss provision to assets | 1.8087% | 366 |
| Net operating income to assets | -1.0567% | 6,958 |
| Return on assets (ROA) | -1.0567% | 6,969 |
| Pretax return on assets | -1.0776% | 6,922 |
| Return on Equity (ROE) | -24.4749% | 7,192 |
| Retained earnings to average equity (ytd only) | -24.4749% | 7,182 |
| Net charge-offs to loans | 3.5725% | 248 |
| Credit loss provision to net charge-offs | 64.8550% | 4,208 |
| Earnings coverage of net charge-offs (x) | 0.2621% | 5,115 |
| Efficiency ratio | 77.7542% | 2,747 |
| Assets per employee ($millions) | 10.0265% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4513% | 76 |
| Loan loss allowance to noncurrent loans | 35.9852% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 14.9512% | 148 |
| Noncurrent loans to loans | 17.9277% | 87 |
| Net loans and leases to total assets | 71.0222% | 1,999 |
| Net loans and leases to deposits | 88.1289% | 1,480 |
| Net loans and leases to core deposits | 91.2232% | 2,228 |
| Total domestic deposits to total assets | 80.5890% | 5,653 |
| Equity capital to assets | 4.2903% | 7,371 |
| Core capital (leverage) ratio | 4.2354% | 7,359 |
| Tier 1 risk-based capital ratio | 6.0094% | 7,362 |
| Total risk-based capital ratio | 7.3285% | 7,364 |
| Memoranda: | ||
| Average total assets | $373,419,000 | 1,755 |
| Average earning assets | $354,419,000 | 1,688 |
| Average equity | $16,122,670 | 3,711 |
| Average total loans | $291,505,330 | 1,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1058% | 399 |
| Cost of funding earning assets | 2.6534% | 25 |
| Net interest margin | 3.4524% | 5,213 |
| Noninterest income to average assets | -0.0641% | 7,368 |
| Noninterest expense to average assets | 2.8646% | 4,215 |
| Loan and lease loss provision to assets | 3.6056% | 124 |
| Net operating income to assets | -3.2308% | 7,409 |
| Return on assets (ROA) | -3.2308% | 7,413 |
| Pretax return on assets | -3.2682% | 7,400 |
| Return on Equity (ROE) | -74.5963% | 7,475 |
| Retained earnings to average equity (ytd only) | -74.5963% | 7,468 |
| Net charge-offs to loans | 4.9171% | 154 |
| Credit loss provision to net charge-offs | 92.6729% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.0867% | 4,531 |
| Efficiency ratio | 89.4632% | 1,378 |
| Assets per employee ($millions) | 9.9489% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7876% | 66 |
| Loan loss allowance to noncurrent loans | 39.3582% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 14.9913% | 158 |
| Noncurrent loans to loans | 17.2456% | 106 |
| Net loans and leases to total assets | 71.6793% | 1,782 |
| Net loans and leases to deposits | 88.2051% | 1,440 |
| Net loans and leases to core deposits | 91.1823% | 2,216 |
| Total domestic deposits to total assets | 81.2643% | 5,585 |
| Equity capital to assets | 3.8991% | 7,446 |
| Core capital (leverage) ratio | 3.9754% | 7,442 |
| Tier 1 risk-based capital ratio | 5.4597% | 7,441 |
| Total risk-based capital ratio | 6.7836% | 7,440 |
| Memoranda: | ||
| Average total assets | $374,638,500 | 1,753 |
| Average earning assets | $354,419,000 | 1,698 |
| Average equity | $16,226,000 | 3,690 |
| Average total loans | $296,434,000 | 1,482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8147% | 196 |
| Cost of funding earning assets | 2.9070% | 35 |
| Net interest margin | 3.9077% | 3,452 |
| Noninterest income to average assets | -0.5331% | 7,569 |
| Noninterest expense to average assets | 1.6958% | 7,353 |
| Loan and lease loss provision to assets | 6.8749% | 30 |
| Net operating income to assets | -6.5379% | 7,593 |
| Return on assets (ROA) | -6.5379% | 7,595 |
| Pretax return on assets | -5.5465% | 7,566 |
| Return on Equity (ROE) | -75.0846% | 7,533 |
| Retained earnings to average equity (ytd only) | -75.0846% | 7,532 |
| Net charge-offs to loans | 6.1920% | 87 |
| Credit loss provision to net charge-offs | 138.7434% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.2681% | 5,842 |
| Efficiency ratio | 56.0731% | 6,587 |
| Assets per employee ($millions) | 9.0541% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6193% | 73 |
| Loan loss allowance to noncurrent loans | 42.3155% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 14.5930% | 179 |
| Noncurrent loans to loans | 15.6428% | 141 |
| Net loans and leases to total assets | 76.0052% | 1,272 |
| Net loans and leases to deposits | 94.8648% | 975 |
| Net loans and leases to core deposits | 97.8166% | 1,811 |
| Total domestic deposits to total assets | 80.1195% | 5,799 |
| Equity capital to assets | 4.7711% | 7,450 |
| Core capital (leverage) ratio | 4.5503% | 7,455 |
| Tier 1 risk-based capital ratio | 6.1789% | 7,472 |
| Total risk-based capital ratio | 7.4990% | 7,473 |
| Memoranda: | ||
| Average total assets | $405,357,600 | 1,630 |
| Average earning assets | $369,010,600 | 1,631 |
| Average equity | $35,296,200 | 1,878 |
| Average total loans | $324,384,800 | 1,378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9147% | 165 |
| Cost of funding earning assets | 2.9283% | 38 |
| Net interest margin | 3.9864% | 3,165 |
| Noninterest income to average assets | -0.3769% | 7,651 |
| Noninterest expense to average assets | 1.4950% | 7,550 |
| Loan and lease loss provision to assets | 4.8227% | 101 |
| Net operating income to assets | -3.0961% | 7,467 |
| Return on assets (ROA) | -3.0961% | 7,479 |
| Pretax return on assets | -3.0961% | 7,441 |
| Return on Equity (ROE) | -32.2841% | 7,418 |
| Retained earnings to average equity (ytd only) | -32.2841% | 7,413 |
| Net charge-offs to loans | 6.2134% | 88 |
| Credit loss provision to net charge-offs | 97.3660% | 4,455 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 5,675 |
| Efficiency ratio | 46.4054% | 7,367 |
| Assets per employee ($millions) | 9.8944% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7472% | 451 |
| Loan loss allowance to noncurrent loans | 22.7890% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 15.0348% | 156 |
| Noncurrent loans to loans | 16.4431% | 130 |
| Net loans and leases to total assets | 76.6615% | 1,293 |
| Net loans and leases to deposits | 99.5302% | 688 |
| Net loans and leases to core deposits | 102.6529% | 1,586 |
| Total domestic deposits to total assets | 77.0234% | 6,472 |
| Equity capital to assets | 8.7974% | 5,861 |
| Core capital (leverage) ratio | 7.7864% | 6,581 |
| Tier 1 risk-based capital ratio | 9.6901% | 7,190 |
| Total risk-based capital ratio | 10.9703% | 7,173 |
| Memoranda: | ||
| Average total assets | $413,892,500 | 1,627 |
| Average earning assets | $373,631,000 | 1,637 |
| Average equity | $39,692,500 | 1,679 |
| Average total loans | $329,944,750 | 1,365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9138% | 177 |
| Cost of funding earning assets | 2.9775% | 41 |
| Net interest margin | 3.9363% | 3,292 |
| Noninterest income to average assets | -0.2748% | 7,706 |
| Noninterest expense to average assets | 1.4379% | 7,646 |
| Loan and lease loss provision to assets | 4.1497% | 179 |
| Net operating income to assets | -2.3313% | 7,381 |
| Return on assets (ROA) | -2.3313% | 7,396 |
| Pretax return on assets | -2.3313% | 7,328 |
| Return on Equity (ROE) | -23.6947% | 7,350 |
| Retained earnings to average equity (ytd only) | -23.6947% | 7,335 |
| Net charge-offs to loans | 5.1402% | 195 |
| Credit loss provision to net charge-offs | 101.2433% | 4,027 |
| Earnings coverage of net charge-offs (x) | 0.4436% | 5,277 |
| Efficiency ratio | 44.1568% | 7,518 |
| Assets per employee ($millions) | 10.4697% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7979% | 438 |
| Loan loss allowance to noncurrent loans | 26.1035% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 13.3834% | 204 |
| Noncurrent loans to loans | 14.5496% | 183 |
| Net loans and leases to total assets | 74.5409% | 1,803 |
| Net loans and leases to deposits | 96.6037% | 996 |
| Net loans and leases to core deposits | 100.2479% | 1,988 |
| Total domestic deposits to total assets | 77.1616% | 6,456 |
| Equity capital to assets | 9.4351% | 4,810 |
| Core capital (leverage) ratio | 8.5374% | 5,350 |
| Tier 1 risk-based capital ratio | 10.6566% | 6,558 |
| Total risk-based capital ratio | 11.9366% | 6,529 |
| Memoranda: | ||
| Average total assets | $419,931,330 | 1,622 |
| Average earning assets | $376,694,330 | 1,635 |
| Average equity | $41,317,330 | 1,597 |
| Average total loans | $334,853,000 | 1,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0905% | 150 |
| Cost of funding earning assets | 3.0683% | 40 |
| Net interest margin | 4.0222% | 2,781 |
| Noninterest income to average assets | -0.0875% | 7,744 |
| Noninterest expense to average assets | 1.3660% | 7,775 |
| Loan and lease loss provision to assets | 2.9669% | 336 |
| Net operating income to assets | -0.8590% | 7,042 |
| Return on assets (ROA) | -0.8590% | 7,070 |
| Pretax return on assets | -0.8590% | 6,984 |
| Return on Equity (ROE) | -8.5553% | 7,080 |
| Retained earnings to average equity (ytd only) | -8.5553% | 6,870 |
| Net charge-offs to loans | 2.9574% | 521 |
| Credit loss provision to net charge-offs | 124.0652% | 2,828 |
| Earnings coverage of net charge-offs (x) | 0.8815% | 4,257 |
| Efficiency ratio | 39.3209% | 7,749 |
| Assets per employee ($millions) | 10.6413% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8113% | 432 |
| Loan loss allowance to noncurrent loans | 25.5709% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 13.2689% | 199 |
| Noncurrent loans to loans | 14.9050% | 184 |
| Net loans and leases to total assets | 76.0240% | 1,540 |
| Net loans and leases to deposits | 99.2598% | 805 |
| Net loans and leases to core deposits | 103.1211% | 1,812 |
| Total domestic deposits to total assets | 76.5909% | 6,644 |
| Equity capital to assets | 10.2166% | 3,586 |
| Core capital (leverage) ratio | 9.6517% | 3,579 |
| Tier 1 risk-based capital ratio | 11.5707% | 5,607 |
| Total risk-based capital ratio | 12.8514% | 5,546 |
| Memoranda: | ||
| Average total assets | $420,504,000 | 1,656 |
| Average earning assets | $372,329,500 | 1,695 |
| Average equity | $42,219,500 | 1,585 |
| Average total loans | $340,034,000 | 1,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5519% | 126 |
| Cost of funding earning assets | 3.6705% | 25 |
| Net interest margin | 3.8814% | 3,345 |
| Noninterest income to average assets | -0.7622% | 7,973 |
| Noninterest expense to average assets | 1.2944% | 7,877 |
| Loan and lease loss provision to assets | 4.9894% | 195 |
| Net operating income to assets | -2.1702% | 7,157 |
| Return on assets (ROA) | -2.2780% | 7,193 |
| Pretax return on assets | -3.6934% | 7,465 |
| Return on Equity (ROE) | -20.0494% | 7,147 |
| Retained earnings to average equity (ytd only) | -20.0494% | 7,111 |
| Net charge-offs to loans | 6.2329% | 159 |
| Credit loss provision to net charge-offs | 93.2105% | 5,885 |
| Earnings coverage of net charge-offs (x) | 0.2736% | 5,837 |
| Efficiency ratio | 46.9158% | 7,669 |
| Assets per employee ($millions) | 10.3840% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5551% | 507 |
| Loan loss allowance to noncurrent loans | 24.9704% | 6,801 |
| Noncurrent assets plus other real estate owned to assets | 13.0916% | 198 |
| Noncurrent loans to loans | 14.2372% | 200 |
| Net loans and leases to total assets | 79.7945% | 1,032 |
| Net loans and leases to deposits | 105.6428% | 572 |
| Net loans and leases to core deposits | 148.4988% | 547 |
| Total domestic deposits to total assets | 75.5324% | 6,769 |
| Equity capital to assets | 9.8594% | 3,931 |
| Core capital (leverage) ratio | 9.4549% | 3,776 |
| Tier 1 risk-based capital ratio | 11.8177% | 5,096 |
| Total risk-based capital ratio | 13.0958% | 5,041 |
| Memoranda: | ||
| Average total assets | $424,840,400 | 1,631 |
| Average earning assets | $385,400,400 | 1,632 |
| Average equity | $48,270,800 | 1,394 |
| Average total loans | $364,854,800 | 1,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5843% | 126 |
| Cost of funding earning assets | 3.6917% | 29 |
| Net interest margin | 3.8926% | 3,257 |
| Noninterest income to average assets | -0.7893% | 8,066 |
| Noninterest expense to average assets | 1.1276% | 8,006 |
| Loan and lease loss provision to assets | 1.9815% | 919 |
| Net operating income to assets | -0.2208% | 6,099 |
| Return on assets (ROA) | -0.3801% | 6,290 |
| Pretax return on assets | -0.5318% | 6,335 |
| Return on Equity (ROE) | -3.2414% | 6,275 |
| Retained earnings to average equity (ytd only) | -3.2414% | 5,983 |
| Net charge-offs to loans | 3.0473% | 536 |
| Credit loss provision to net charge-offs | 75.0473% | 5,881 |
| Earnings coverage of net charge-offs (x) | 0.6340% | 5,392 |
| Efficiency ratio | 40.2473% | 7,922 |
| Assets per employee ($millions) | 10.4318% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1850% | 571 |
| Loan loss allowance to noncurrent loans | 23.6660% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 11.6776% | 244 |
| Noncurrent loans to loans | 13.4579% | 203 |
| Net loans and leases to total assets | 80.8338% | 1,013 |
| Net loans and leases to deposits | 108.0302% | 560 |
| Net loans and leases to core deposits | 153.7299% | 500 |
| Total domestic deposits to total assets | 74.8252% | 6,806 |
| Equity capital to assets | 11.2953% | 2,751 |
| Core capital (leverage) ratio | 11.3141% | 2,178 |
| Tier 1 risk-based capital ratio | 13.8282% | 3,647 |
| Total risk-based capital ratio | 15.1029% | 3,574 |
| Memoranda: | ||
| Average total assets | $427,211,000 | 1,636 |
| Average earning assets | $394,103,000 | 1,625 |
| Average equity | $50,100,500 | 1,363 |
| Average total loans | $370,156,000 | 1,313 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4654% | 164 |
| Cost of funding earning assets | 3.6758% | 61 |
| Net interest margin | 3.7896% | 3,592 |
| Noninterest income to average assets | -1.1474% | 8,163 |
| Noninterest expense to average assets | 1.0718% | 8,113 |
| Loan and lease loss provision to assets | 1.5185% | 1,128 |
| Net operating income to assets | -0.1052% | 6,023 |
| Return on assets (ROA) | -0.3419% | 6,396 |
| Pretax return on assets | -0.4901% | 6,416 |
| Return on Equity (ROE) | -2.8785% | 6,346 |
| Retained earnings to average equity (ytd only) | -2.8785% | 5,944 |
| Net charge-offs to loans | 2.4715% | 706 |
| Credit loss provision to net charge-offs | 70.0348% | 5,415 |
| Earnings coverage of net charge-offs (x) | 0.6302% | 5,073 |
| Efficiency ratio | 43.9582% | 7,925 |
| Assets per employee ($millions) | 10.2619% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3537% | 425 |
| Loan loss allowance to noncurrent loans | 25.9203% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 11.3158% | 217 |
| Noncurrent loans to loans | 12.9386% | 183 |
| Net loans and leases to total assets | 82.8088% | 810 |
| Net loans and leases to deposits | 112.1566% | 471 |
| Net loans and leases to core deposits | 163.1548% | 399 |
| Total domestic deposits to total assets | 73.8332% | 6,972 |
| Equity capital to assets | 11.5543% | 2,502 |
| Core capital (leverage) ratio | 11.6386% | 2,015 |
| Tier 1 risk-based capital ratio | 13.9089% | 3,571 |
| Total risk-based capital ratio | 15.1859% | 3,494 |
| Memoranda: | ||
| Average total assets | $423,569,000 | 1,675 |
| Average earning assets | $400,784,670 | 1,617 |
| Average equity | $50,304,330 | 1,365 |
| Average total loans | $371,603,330 | 1,332 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9648% | 95 |
| Cost of funding earning assets | 3.7800% | 71 |
| Net interest margin | 4.1848% | 1,953 |
| Noninterest income to average assets | -0.9889% | 8,214 |
| Noninterest expense to average assets | 0.9194% | 8,183 |
| Loan and lease loss provision to assets | 1.3214% | 976 |
| Net operating income to assets | 0.8536% | 2,895 |
| Return on assets (ROA) | 0.1715% | 5,913 |
| Pretax return on assets | 0.0286% | 6,323 |
| Return on Equity (ROE) | 1.4241% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.4241% | 5,061 |
| Net charge-offs to loans | 2.9424% | 435 |
| Credit loss provision to net charge-offs | 50.5835% | 4,668 |
| Earnings coverage of net charge-offs (x) | 0.7779% | 4,402 |
| Efficiency ratio | 31.1491% | 8,146 |
| Assets per employee ($millions) | 10.2117% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3558% | 355 |
| Loan loss allowance to noncurrent loans | 39.0040% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 8.2998% | 336 |
| Noncurrent loans to loans | 8.6037% | 390 |
| Net loans and leases to total assets | 83.3039% | 811 |
| Net loans and leases to deposits | 113.6346% | 462 |
| Net loans and leases to core deposits | 163.4003% | 445 |
| Total domestic deposits to total assets | 73.3086% | 7,000 |
| Equity capital to assets | 11.8130% | 2,373 |
| Core capital (leverage) ratio | 11.8913% | 1,945 |
| Tier 1 risk-based capital ratio | 14.0670% | 3,547 |
| Total risk-based capital ratio | 15.3438% | 3,461 |
| Memoranda: | ||
| Average total assets | $419,853,500 | 1,700 |
| Average earning assets | $395,339,000 | 1,652 |
| Average equity | $50,557,000 | 1,357 |
| Average total loans | $372,759,500 | 1,347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0299% | 65 |
| Cost of funding earning assets | 4.2485% | 38 |
| Net interest margin | 4.7814% | 807 |
| Noninterest income to average assets | -0.1065% | 8,205 |
| Noninterest expense to average assets | 0.9333% | 8,217 |
| Loan and lease loss provision to assets | 1.3406% | 1,057 |
| Net operating income to assets | 1.5127% | 993 |
| Return on assets (ROA) | -0.8254% | 7,057 |
| Pretax return on assets | -1.4821% | 7,246 |
| Return on Equity (ROE) | -6.7654% | 7,024 |
| Retained earnings to average equity (ytd only) | -6.7654% | 6,758 |
| Net charge-offs to loans | 1.3223% | 898 |
| Credit loss provision to net charge-offs | 115.2918% | 4,685 |
| Earnings coverage of net charge-offs (x) | 3.0201% | 4,578 |
| Efficiency ratio | 20.9958% | 8,258 |
| Assets per employee ($millions) | 10.0199% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6615% | 245 |
| Loan loss allowance to noncurrent loans | 42.7533% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 8.6365% | 246 |
| Noncurrent loans to loans | 8.5642% | 302 |
| Net loans and leases to total assets | 88.1341% | 353 |
| Net loans and leases to deposits | 122.0748% | 348 |
| Net loans and leases to core deposits | 177.2060% | 315 |
| Total domestic deposits to total assets | 72.1968% | 6,966 |
| Equity capital to assets | 12.2802% | 2,121 |
| Core capital (leverage) ratio | 12.0476% | 1,942 |
| Tier 1 risk-based capital ratio | 13.9458% | 3,572 |
| Total risk-based capital ratio | 15.2271% | 3,477 |
| Memoranda: | ||
| Average total assets | $427,423,600 | 1,594 |
| Average earning assets | $406,872,200 | 1,536 |
| Average equity | $52,148,000 | 1,292 |
| Average total loans | $375,853,600 | 1,293 |