Home > First Alliance Bank > Performance and Condition Ratios
First Alliance Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5182% | 568 |
| Cost of funding earning assets | 0.9135% | 2,169 |
| Net interest margin | 4.6047% | 613 |
| Noninterest income to average assets | 0.4155% | 3,225 |
| Noninterest expense to average assets | 3.8467% | 623 |
| Loan and lease loss provision to assets | 0.0199% | 3,507 |
| Net operating income to assets | 0.5957% | 4,305 |
| Return on assets (ROA) | 0.5957% | 4,357 |
| Pretax return on assets | 0.7855% | 4,151 |
| Return on Equity (ROE) | 5.7477% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.7477% | 2,479 |
| Net charge-offs to loans | -0.0783% | 4,944 |
| Credit loss provision to net charge-offs | -30.8824% | 3,991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6876% | 705 |
| Assets per employee ($millions) | 3.8297% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 4,347 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 82.8467% | 476 |
| Net loans and leases to deposits | 95.4741% | 1,079 |
| Net loans and leases to core deposits | 100.5051% | 1,625 |
| Total domestic deposits to total assets | 86.7741% | 1,636 |
| Equity capital to assets | 10.4179% | 3,619 |
| Core capital (leverage) ratio | 10.1519% | 3,474 |
| Tier 1 risk-based capital ratio | 11.7434% | 4,552 |
| Total risk-based capital ratio | 12.6561% | 4,611 |
| Memoranda: | ||
| Average total assets | $140,550,250 | 3,465 |
| Average earning assets | $129,313,500 | 3,469 |
| Average equity | $14,567,750 | 3,711 |
| Average total loans | $115,734,000 | 3,027 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 574 |
| Cost of funding earning assets | 0.8624% | 2,338 |
| Net interest margin | 4.6337% | 574 |
| Noninterest income to average assets | 0.4124% | 3,193 |
| Noninterest expense to average assets | 3.8468% | 633 |
| Loan and lease loss provision to assets | 0.0300% | 3,219 |
| Net operating income to assets | 0.5993% | 4,303 |
| Return on assets (ROA) | 0.5993% | 4,345 |
| Pretax return on assets | 0.7905% | 4,119 |
| Return on Equity (ROE) | 5.7919% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.7919% | 2,374 |
| Net charge-offs to loans | -0.1045% | 5,007 |
| Credit loss provision to net charge-offs | -35.0000% | 3,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4213% | 773 |
| Assets per employee ($millions) | 3.8110% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 3,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 4,390 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.1426% | 709 |
| Net loans and leases to deposits | 93.3879% | 1,326 |
| Net loans and leases to core deposits | 97.6521% | 1,914 |
| Total domestic deposits to total assets | 86.8878% | 1,645 |
| Equity capital to assets | 10.3428% | 3,653 |
| Core capital (leverage) ratio | 10.1532% | 3,438 |
| Tier 1 risk-based capital ratio | 12.0892% | 4,371 |
| Total risk-based capital ratio | 13.0297% | 4,427 |
| Memoranda: | ||
| Average total assets | $140,167,330 | 3,490 |
| Average earning assets | $128,710,000 | 3,494 |
| Average equity | $14,503,000 | 3,720 |
| Average total loans | $114,812,000 | 3,059 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 587 |
| Cost of funding earning assets | 0.7901% | 2,591 |
| Net interest margin | 4.6409% | 560 |
| Noninterest income to average assets | 0.3950% | 3,213 |
| Noninterest expense to average assets | 3.8469% | 624 |
| Loan and lease loss provision to assets | 0.0601% | 2,453 |
| Net operating income to assets | 0.5782% | 4,307 |
| Return on assets (ROA) | 0.5782% | 4,342 |
| Pretax return on assets | 0.7585% | 4,153 |
| Return on Equity (ROE) | 5.5869% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.5869% | 2,649 |
| Net charge-offs to loans | -0.1817% | 5,160 |
| Credit loss provision to net charge-offs | -40.3846% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4540% | 834 |
| Assets per employee ($millions) | 3.6567% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 3,986 |
| Loan loss allowance to noncurrent loans | 529.1262% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,733 |
| Noncurrent loans to loans | 0.1783% | 3,955 |
| Net loans and leases to total assets | 82.3556% | 547 |
| Net loans and leases to deposits | 94.7217% | 1,086 |
| Net loans and leases to core deposits | 97.7125% | 1,798 |
| Total domestic deposits to total assets | 86.9448% | 1,844 |
| Equity capital to assets | 10.3011% | 3,520 |
| Core capital (leverage) ratio | 10.2780% | 3,298 |
| Tier 1 risk-based capital ratio | 11.5661% | 4,708 |
| Total risk-based capital ratio | 12.4700% | 4,785 |
| Memoranda: | ||
| Average total assets | $139,748,000 | 3,534 |
| Average earning assets | $128,595,000 | 3,540 |
| Average equity | $14,462,500 | 3,744 |
| Average total loans | $114,461,500 | 3,090 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 516 |
| Cost of funding earning assets | 0.6026% | 2,696 |
| Net interest margin | 4.7620% | 429 |
| Noninterest income to average assets | 0.7079% | 1,826 |
| Noninterest expense to average assets | 3.8777% | 617 |
| Loan and lease loss provision to assets | 0.0356% | 3,486 |
| Net operating income to assets | 0.9259% | 3,342 |
| Return on assets (ROA) | 0.9259% | 3,332 |
| Pretax return on assets | 1.1586% | 3,068 |
| Return on Equity (ROE) | 8.9762% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.9762% | 875 |
| Net charge-offs to loans | 0.0836% | 1,944 |
| Credit loss provision to net charge-offs | 52.7473% | 3,159 |
| Earnings coverage of net charge-offs (x) | 17.7033% | 2,174 |
| Efficiency ratio | 76.4543% | 1,297 |
| Assets per employee ($millions) | 3.7984% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 4,187 |
| Loan loss allowance to noncurrent loans | 483.8095% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 3,707 |
| Noncurrent loans to loans | 0.1852% | 3,915 |
| Net loans and leases to total assets | 79.9623% | 948 |
| Net loans and leases to deposits | 91.2901% | 1,629 |
| Net loans and leases to core deposits | 93.5284% | 2,270 |
| Total domestic deposits to total assets | 87.5914% | 1,490 |
| Equity capital to assets | 10.3963% | 3,291 |
| Core capital (leverage) ratio | 10.0561% | 3,517 |
| Tier 1 risk-based capital ratio | 11.9410% | 4,464 |
| Total risk-based capital ratio | 12.8205% | 4,588 |
| Memoranda: | ||
| Average total assets | $134,901,200 | 3,579 |
| Average earning assets | $123,624,200 | 3,594 |
| Average equity | $13,914,600 | 3,760 |
| Average total loans | $108,852,600 | 3,151 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0923% | 770 |
| Cost of funding earning assets | 0.5641% | 2,748 |
| Net interest margin | 4.5282% | 698 |
| Noninterest income to average assets | 0.4435% | 3,213 |
| Noninterest expense to average assets | 3.9692% | 545 |
| Loan and lease loss provision to assets | 0.0360% | 3,287 |
| Net operating income to assets | 0.4874% | 4,783 |
| Return on assets (ROA) | 0.4874% | 4,790 |
| Pretax return on assets | 0.5753% | 4,773 |
| Return on Equity (ROE) | 4.7353% | 4,641 |
| Retained earnings to average equity (ytd only) | 4.7353% | 3,377 |
| Net charge-offs to loans | 0.1683% | 983 |
| Credit loss provision to net charge-offs | 26.4706% | 2,985 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,055 |
| Efficiency ratio | 86.6550% | 482 |
| Assets per employee ($millions) | 3.7518% | 4,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 4,370 |
| Loan loss allowance to noncurrent loans | 57.2110% | 4,255 |
| Noncurrent assets plus other real estate owned to assets | 1.7369% | 694 |
| Noncurrent loans to loans | 1.5212% | 1,066 |
| Net loans and leases to total assets | 80.9589% | 875 |
| Net loans and leases to deposits | 92.2371% | 1,590 |
| Net loans and leases to core deposits | 94.5876% | 2,241 |
| Total domestic deposits to total assets | 87.7726% | 1,351 |
| Equity capital to assets | 10.2217% | 3,431 |
| Core capital (leverage) ratio | 9.6700% | 3,974 |
| Tier 1 risk-based capital ratio | 11.3055% | 4,896 |
| Total risk-based capital ratio | 12.1478% | 4,986 |
| Memoranda: | ||
| Average total assets | $133,491,500 | 3,630 |
| Average earning assets | $121,958,250 | 3,645 |
| Average equity | $13,740,500 | 3,811 |
| Average total loans | $107,717,000 | 3,199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 770 |
| Cost of funding earning assets | 0.5212% | 2,827 |
| Net interest margin | 4.5083% | 687 |
| Noninterest income to average assets | 0.4332% | 3,267 |
| Noninterest expense to average assets | 3.9920% | 539 |
| Loan and lease loss provision to assets | 0.0361% | 3,191 |
| Net operating income to assets | 0.4542% | 4,852 |
| Return on assets (ROA) | 0.4542% | 4,858 |
| Pretax return on assets | 0.5295% | 4,854 |
| Return on Equity (ROE) | 4.4028% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.4028% | 3,401 |
| Net charge-offs to loans | 0.4399% | 349 |
| Credit loss provision to net charge-offs | 10.2128% | 2,729 |
| Earnings coverage of net charge-offs (x) | 1.6000% | 3,045 |
| Efficiency ratio | 87.5908% | 489 |
| Assets per employee ($millions) | 3.6285% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,739 |
| Loan loss allowance to noncurrent loans | 57.4915% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 2.2926% | 405 |
| Noncurrent loans to loans | 1.3628% | 1,244 |
| Net loans and leases to total assets | 79.9838% | 1,027 |
| Net loans and leases to deposits | 91.0882% | 1,695 |
| Net loans and leases to core deposits | 93.4147% | 2,275 |
| Total domestic deposits to total assets | 87.8091% | 1,468 |
| Equity capital to assets | 10.2193% | 3,427 |
| Core capital (leverage) ratio | 9.6446% | 3,950 |
| Tier 1 risk-based capital ratio | 11.6101% | 4,736 |
| Total risk-based capital ratio | 12.3546% | 4,896 |
| Memoranda: | ||
| Average total assets | $132,966,670 | 3,664 |
| Average earning assets | $121,642,000 | 3,678 |
| Average equity | $13,718,670 | 3,834 |
| Average total loans | $106,853,330 | 3,223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8200% | 1,033 |
| Cost of funding earning assets | 0.5100% | 2,721 |
| Net interest margin | 4.3100% | 933 |
| Noninterest income to average assets | 0.4202% | 3,315 |
| Noninterest expense to average assets | 4.0144% | 522 |
| Loan and lease loss provision to assets | 0.0363% | 3,017 |
| Net operating income to assets | 0.3053% | 5,082 |
| Return on assets (ROA) | 0.3053% | 5,089 |
| Pretax return on assets | 0.3295% | 5,128 |
| Return on Equity (ROE) | 2.9450% | 5,027 |
| Retained earnings to average equity (ytd only) | 2.9450% | 4,017 |
| Net charge-offs to loans | -0.0188% | 4,525 |
| Credit loss provision to net charge-offs | -240.0000% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6494% | 376 |
| Assets per employee ($millions) | 3.4956% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,982 |
| Loan loss allowance to noncurrent loans | 40.2918% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 2.5709% | 354 |
| Noncurrent loans to loans | 2.4757% | 554 |
| Net loans and leases to total assets | 80.4696% | 878 |
| Net loans and leases to deposits | 91.6442% | 1,491 |
| Net loans and leases to core deposits | 94.0081% | 2,139 |
| Total domestic deposits to total assets | 87.8066% | 1,729 |
| Equity capital to assets | 10.2519% | 3,330 |
| Core capital (leverage) ratio | 10.0640% | 3,459 |
| Tier 1 risk-based capital ratio | 11.4898% | 4,864 |
| Total risk-based capital ratio | 12.4359% | 4,933 |
| Memoranda: | ||
| Average total assets | $132,322,000 | 3,709 |
| Average earning assets | $121,576,500 | 3,724 |
| Average equity | $13,718,000 | 3,872 |
| Average total loans | $106,164,500 | 3,260 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 717 |
| Cost of funding earning assets | 0.5216% | 2,166 |
| Net interest margin | 4.4226% | 726 |
| Noninterest income to average assets | 0.4103% | 3,565 |
| Noninterest expense to average assets | 3.7469% | 740 |
| Loan and lease loss provision to assets | 0.1326% | 1,733 |
| Net operating income to assets | 0.4025% | 4,683 |
| Return on assets (ROA) | 0.4025% | 4,704 |
| Pretax return on assets | 0.5623% | 4,823 |
| Return on Equity (ROE) | 3.8303% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.8303% | 2,925 |
| Net charge-offs to loans | 0.0731% | 2,403 |
| Credit loss provision to net charge-offs | 225.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 11.7895% | 2,531 |
| Efficiency ratio | 84.3548% | 743 |
| Assets per employee ($millions) | 3.4687% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,849 |
| Loan loss allowance to noncurrent loans | 39.6481% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.6015% | 346 |
| Noncurrent loans to loans | 2.5594% | 512 |
| Net loans and leases to total assets | 78.3719% | 1,233 |
| Net loans and leases to deposits | 89.5172% | 1,832 |
| Net loans and leases to core deposits | 91.6464% | 2,402 |
| Total domestic deposits to total assets | 87.5495% | 1,734 |
| Equity capital to assets | 10.4833% | 3,186 |
| Core capital (leverage) ratio | 9.5892% | 3,926 |
| Tier 1 risk-based capital ratio | 11.9703% | 4,552 |
| Total risk-based capital ratio | 12.9333% | 4,617 |
| Memoranda: | ||
| Average total assets | $128,933,800 | 3,763 |
| Average earning assets | $117,534,000 | 3,796 |
| Average equity | $13,550,000 | 3,910 |
| Average total loans | $103,929,200 | 3,286 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 721 |
| Cost of funding earning assets | 0.5248% | 2,073 |
| Net interest margin | 4.3998% | 732 |
| Noninterest income to average assets | 0.3619% | 3,944 |
| Noninterest expense to average assets | 3.7467% | 722 |
| Loan and lease loss provision to assets | 0.1653% | 1,225 |
| Net operating income to assets | 0.3213% | 5,178 |
| Return on assets (ROA) | 0.3213% | 5,205 |
| Pretax return on assets | 0.4430% | 5,124 |
| Return on Equity (ROE) | 3.0556% | 5,094 |
| Retained earnings to average equity (ytd only) | 3.0556% | 4,089 |
| Net charge-offs to loans | 0.1079% | 1,707 |
| Credit loss provision to net charge-offs | 189.2857% | 1,404 |
| Earnings coverage of net charge-offs (x) | 6.9641% | 2,923 |
| Efficiency ratio | 86.0315% | 630 |
| Assets per employee ($millions) | 3.6603% | 4,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,938 |
| Loan loss allowance to noncurrent loans | 38.3764% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 3.0106% | 296 |
| Noncurrent loans to loans | 2.6651% | 539 |
| Net loans and leases to total assets | 76.3806% | 1,519 |
| Net loans and leases to deposits | 87.1153% | 2,168 |
| Net loans and leases to core deposits | 90.0080% | 2,609 |
| Total domestic deposits to total assets | 87.6777% | 1,528 |
| Equity capital to assets | 10.3545% | 3,530 |
| Core capital (leverage) ratio | 9.8873% | 3,712 |
| Tier 1 risk-based capital ratio | 12.0320% | 4,586 |
| Total risk-based capital ratio | 13.0052% | 4,674 |
| Memoranda: | ||
| Average total assets | $128,214,750 | 3,815 |
| Average earning assets | $116,367,000 | 3,854 |
| Average equity | $13,483,000 | 3,961 |
| Average total loans | $103,821,250 | 3,315 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 583 |
| Cost of funding earning assets | 0.5279% | 1,937 |
| Net interest margin | 4.4492% | 639 |
| Noninterest income to average assets | 0.3228% | 4,246 |
| Noninterest expense to average assets | 3.7723% | 694 |
| Loan and lease loss provision to assets | 0.1716% | 1,131 |
| Net operating income to assets | 0.2708% | 5,285 |
| Return on assets (ROA) | 0.2708% | 5,305 |
| Pretax return on assets | 0.4125% | 5,158 |
| Return on Equity (ROE) | 2.5616% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.5616% | 4,156 |
| Net charge-offs to loans | -0.0440% | 5,119 |
| Credit loss provision to net charge-offs | -473.9130% | 4,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5920% | 646 |
| Assets per employee ($millions) | 3.4462% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,802 |
| Loan loss allowance to noncurrent loans | 35.6053% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 3.4096% | 242 |
| Noncurrent loans to loans | 2.9719% | 439 |
| Net loans and leases to total assets | 78.3277% | 1,193 |
| Net loans and leases to deposits | 90.7943% | 1,632 |
| Net loans and leases to core deposits | 93.4300% | 2,204 |
| Total domestic deposits to total assets | 86.2693% | 2,261 |
| Equity capital to assets | 10.3150% | 3,554 |
| Core capital (leverage) ratio | 9.9255% | 3,624 |
| Tier 1 risk-based capital ratio | 11.6952% | 4,842 |
| Total risk-based capital ratio | 12.7042% | 4,882 |
| Memoranda: | ||
| Average total assets | $127,030,000 | 3,852 |
| Average earning assets | $115,165,670 | 3,894 |
| Average equity | $13,429,330 | 3,971 |
| Average total loans | $104,533,000 | 3,307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 517 |
| Cost of funding earning assets | 0.5394% | 1,791 |
| Net interest margin | 4.4737% | 552 |
| Noninterest income to average assets | 0.3070% | 4,365 |
| Noninterest expense to average assets | 3.7164% | 761 |
| Loan and lease loss provision to assets | 0.1855% | 914 |
| Net operating income to assets | 0.2974% | 5,199 |
| Return on assets (ROA) | 0.2974% | 5,215 |
| Pretax return on assets | 0.4637% | 5,025 |
| Return on Equity (ROE) | 2.7782% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.7782% | 4,018 |
| Net charge-offs to loans | -0.0495% | 5,180 |
| Credit loss provision to net charge-offs | -446.1538% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1282% | 881 |
| Assets per employee ($millions) | 3.4378% | 4,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 4,295 |
| Loan loss allowance to noncurrent loans | 33.5275% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 3.6133% | 227 |
| Noncurrent loans to loans | 2.9801% | 464 |
| Net loans and leases to total assets | 80.7033% | 735 |
| Net loans and leases to deposits | 96.5011% | 896 |
| Net loans and leases to core deposits | 99.1797% | 1,569 |
| Total domestic deposits to total assets | 83.6295% | 3,609 |
| Equity capital to assets | 10.5638% | 3,116 |
| Core capital (leverage) ratio | 10.1259% | 3,345 |
| Tier 1 risk-based capital ratio | 11.7002% | 4,910 |
| Total risk-based capital ratio | 12.6507% | 4,988 |
| Memoranda: | ||
| Average total assets | $125,068,000 | 3,918 |
| Average earning assets | $113,463,500 | 3,953 |
| Average equity | $13,390,000 | 4,005 |
| Average total loans | $104,964,000 | 3,321 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 483 |
| Cost of funding earning assets | 0.5361% | 1,818 |
| Net interest margin | 4.5829% | 524 |
| Noninterest income to average assets | 0.3808% | 4,029 |
| Noninterest expense to average assets | 4.0328% | 572 |
| Loan and lease loss provision to assets | 0.1596% | 1,550 |
| Net operating income to assets | 0.2677% | 5,288 |
| Return on assets (ROA) | 0.2677% | 5,354 |
| Pretax return on assets | 0.3101% | 5,351 |
| Return on Equity (ROE) | 2.4386% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.4386% | 4,137 |
| Net charge-offs to loans | 0.8322% | 238 |
| Credit loss provision to net charge-offs | 23.2446% | 3,651 |
| Earnings coverage of net charge-offs (x) | 0.6840% | 4,082 |
| Efficiency ratio | 89.5679% | 584 |
| Assets per employee ($millions) | 3.3226% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,754 |
| Loan loss allowance to noncurrent loans | 23.2250% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 4.5413% | 152 |
| Noncurrent loans to loans | 3.9110% | 270 |
| Net loans and leases to total assets | 85.6318% | 256 |
| Net loans and leases to deposits | 100.1160% | 663 |
| Net loans and leases to core deposits | 102.9252% | 1,366 |
| Total domestic deposits to total assets | 85.5325% | 2,816 |
| Equity capital to assets | 10.8534% | 2,759 |
| Core capital (leverage) ratio | 10.1908% | 3,235 |
| Tier 1 risk-based capital ratio | 11.4528% | 5,082 |
| Total risk-based capital ratio | 12.3281% | 5,194 |
| Memoranda: | ||
| Average total assets | $120,287,200 | 3,990 |
| Average earning assets | $108,185,000 | 4,038 |
| Average equity | $13,204,400 | 4,064 |
| Average total loans | $99,254,000 | 3,399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1454% | 460 |
| Cost of funding earning assets | 0.5327% | 1,856 |
| Net interest margin | 4.6127% | 495 |
| Noninterest income to average assets | 0.3823% | 4,049 |
| Noninterest expense to average assets | 4.0593% | 543 |
| Loan and lease loss provision to assets | 0.2140% | 978 |
| Net operating income to assets | 0.2162% | 5,438 |
| Return on assets (ROA) | 0.2162% | 5,500 |
| Pretax return on assets | 0.2497% | 5,519 |
| Return on Equity (ROE) | 1.9640% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.9640% | 4,705 |
| Net charge-offs to loans | 1.1336% | 143 |
| Credit loss provision to net charge-offs | 23.1604% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.5018% | 3,783 |
| Efficiency ratio | 89.7486% | 570 |
| Assets per employee ($millions) | 3.2097% | 5,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 4,628 |
| Loan loss allowance to noncurrent loans | 21.5937% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 5.3194% | 129 |
| Noncurrent loans to loans | 4.4346% | 221 |
| Net loans and leases to total assets | 81.5763% | 677 |
| Net loans and leases to deposits | 97.1669% | 939 |
| Net loans and leases to core deposits | 99.9638% | 1,640 |
| Total domestic deposits to total assets | 83.9548% | 3,223 |
| Equity capital to assets | 10.8938% | 3,143 |
| Core capital (leverage) ratio | 10.4425% | 3,051 |
| Tier 1 risk-based capital ratio | 11.4739% | 5,103 |
| Total risk-based capital ratio | 12.3574% | 5,222 |
| Memoranda: | ||
| Average total assets | $119,624,500 | 4,026 |
| Average earning assets | $107,381,750 | 4,080 |
| Average equity | $13,169,750 | 4,100 |
| Average total loans | $97,507,750 | 3,438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2411% | 400 |
| Cost of funding earning assets | 0.5282% | 1,881 |
| Net interest margin | 4.7129% | 418 |
| Noninterest income to average assets | 0.3938% | 3,917 |
| Noninterest expense to average assets | 4.0204% | 577 |
| Loan and lease loss provision to assets | 0.3012% | 595 |
| Net operating income to assets | 0.2709% | 5,392 |
| Return on assets (ROA) | 0.2709% | 5,466 |
| Pretax return on assets | 0.3063% | 5,492 |
| Return on Equity (ROE) | 2.4523% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.4523% | 4,328 |
| Net charge-offs to loans | 1.2743% | 126 |
| Credit loss provision to net charge-offs | 29.1057% | 2,865 |
| Earnings coverage of net charge-offs (x) | 0.5870% | 3,507 |
| Efficiency ratio | 86.8727% | 808 |
| Assets per employee ($millions) | 3.3216% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,446 |
| Loan loss allowance to noncurrent loans | 24.4739% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 5.8674% | 108 |
| Noncurrent loans to loans | 4.8330% | 188 |
| Net loans and leases to total assets | 81.2546% | 716 |
| Net loans and leases to deposits | 94.4723% | 1,243 |
| Net loans and leases to core deposits | 96.5988% | 1,927 |
| Total domestic deposits to total assets | 86.0089% | 2,418 |
| Equity capital to assets | 11.0867% | 2,964 |
| Core capital (leverage) ratio | 10.5222% | 2,948 |
| Tier 1 risk-based capital ratio | 11.5664% | 5,108 |
| Total risk-based capital ratio | 12.6582% | 5,106 |
| Memoranda: | ||
| Average total assets | $118,843,330 | 4,067 |
| Average earning assets | $106,771,330 | 4,120 |
| Average equity | $13,130,670 | 4,135 |
| Average total loans | $96,524,000 | 3,470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 1,050 |
| Cost of funding earning assets | 0.5302% | 1,865 |
| Net interest margin | 4.1701% | 1,170 |
| Noninterest income to average assets | 0.3646% | 4,113 |
| Noninterest expense to average assets | 3.8624% | 717 |
| Loan and lease loss provision to assets | 0.0979% | 2,059 |
| Net operating income to assets | 0.1283% | 5,640 |
| Return on assets (ROA) | 0.1283% | 5,690 |
| Pretax return on assets | 0.1486% | 5,694 |
| Return on Equity (ROE) | 1.1632% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.1632% | 4,780 |
| Net charge-offs to loans | 0.3472% | 641 |
| Credit loss provision to net charge-offs | 34.9398% | 2,180 |
| Earnings coverage of net charge-offs (x) | 0.8795% | 2,886 |
| Efficiency ratio | 94.0016% | 451 |
| Assets per employee ($millions) | 3.0902% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6264% | 1,537 |
| Loan loss allowance to noncurrent loans | 23.0689% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 7.8364% | 73 |
| Noncurrent loans to loans | 7.0501% | 100 |
| Net loans and leases to total assets | 79.5311% | 884 |
| Net loans and leases to deposits | 92.4847% | 1,285 |
| Net loans and leases to core deposits | 94.6029% | 1,932 |
| Total domestic deposits to total assets | 85.9939% | 2,673 |
| Equity capital to assets | 11.1644% | 2,757 |
| Core capital (leverage) ratio | 10.4932% | 2,973 |
| Tier 1 risk-based capital ratio | 11.6348% | 5,145 |
| Total risk-based capital ratio | 12.8904% | 5,055 |
| Memoranda: | ||
| Average total assets | $118,477,000 | 4,107 |
| Average earning assets | $106,376,000 | 4,155 |
| Average equity | $13,067,500 | 4,156 |
| Average total loans | $95,624,000 | 3,500 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 641 |
| Cost of funding earning assets | 0.5649% | 1,632 |
| Net interest margin | 4.4229% | 754 |
| Noninterest income to average assets | 0.4591% | 3,597 |
| Noninterest expense to average assets | 4.0303% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3114% | 5,327 |
| Return on assets (ROA) | 0.3172% | 5,393 |
| Pretax return on assets | 0.4099% | 5,302 |
| Return on Equity (ROE) | 2.9549% | 5,317 |
| Retained earnings to average equity (ytd only) | 2.9549% | 3,960 |
| Net charge-offs to loans | 0.2270% | 1,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.1909% | 3,958 |
| Efficiency ratio | 90.9228% | 639 |
| Assets per employee ($millions) | 3.2305% | 5,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 1,451 |
| Loan loss allowance to noncurrent loans | 24.9571% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 7.0712% | 97 |
| Noncurrent loans to loans | 6.6523% | 117 |
| Net loans and leases to total assets | 79.2407% | 954 |
| Net loans and leases to deposits | 91.9598% | 1,404 |
| Net loans and leases to core deposits | 93.7902% | 2,065 |
| Total domestic deposits to total assets | 86.1688% | 2,559 |
| Equity capital to assets | 10.8971% | 2,937 |
| Core capital (leverage) ratio | 10.1969% | 3,266 |
| Tier 1 risk-based capital ratio | 11.9723% | 4,965 |
| Total risk-based capital ratio | 13.2319% | 4,863 |
| Memoranda: | ||
| Average total assets | $119,794,000 | 4,071 |
| Average earning assets | $107,621,400 | 4,102 |
| Average equity | $12,860,200 | 4,163 |
| Average total loans | $96,907,800 | 3,437 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 594 |
| Cost of funding earning assets | 0.5765% | 1,570 |
| Net interest margin | 4.4431% | 730 |
| Noninterest income to average assets | 0.3782% | 4,225 |
| Noninterest expense to average assets | 4.0045% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2803% | 5,514 |
| Return on assets (ROA) | 0.2881% | 5,563 |
| Pretax return on assets | 0.3704% | 5,527 |
| Return on Equity (ROE) | 2.6938% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.6938% | 4,499 |
| Net charge-offs to loans | 0.2596% | 1,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,790 |
| Efficiency ratio | 91.7431% | 586 |
| Assets per employee ($millions) | 3.2398% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 1,505 |
| Loan loss allowance to noncurrent loans | 40.0295% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 5.3065% | 174 |
| Noncurrent loans to loans | 4.2146% | 285 |
| Net loans and leases to total assets | 79.2402% | 918 |
| Net loans and leases to deposits | 91.8591% | 1,425 |
| Net loans and leases to core deposits | 93.4341% | 2,133 |
| Total domestic deposits to total assets | 86.2627% | 2,402 |
| Equity capital to assets | 10.7874% | 3,255 |
| Core capital (leverage) ratio | 10.1205% | 3,474 |
| Tier 1 risk-based capital ratio | 11.5805% | 5,334 |
| Total risk-based capital ratio | 12.8408% | 5,253 |
| Memoranda: | ||
| Average total assets | $119,860,750 | 4,121 |
| Average earning assets | $107,550,500 | 4,153 |
| Average equity | $12,819,000 | 4,214 |
| Average total loans | $97,056,500 | 3,469 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0696% | 537 |
| Cost of funding earning assets | 0.5885% | 1,496 |
| Net interest margin | 4.4811% | 663 |
| Noninterest income to average assets | 0.3588% | 4,376 |
| Noninterest expense to average assets | 3.9580% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3187% | 5,389 |
| Return on assets (ROA) | 0.3187% | 5,478 |
| Pretax return on assets | 0.4155% | 5,433 |
| Return on Equity (ROE) | 2.9887% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.9887% | 4,137 |
| Net charge-offs to loans | 0.4074% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2576% | 3,547 |
| Efficiency ratio | 90.4998% | 715 |
| Assets per employee ($millions) | 3.3368% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6871% | 1,632 |
| Loan loss allowance to noncurrent loans | 42.0452% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 5.1429% | 206 |
| Noncurrent loans to loans | 4.0126% | 382 |
| Net loans and leases to total assets | 78.5858% | 994 |
| Net loans and leases to deposits | 91.0838% | 1,473 |
| Net loans and leases to core deposits | 93.0949% | 2,052 |
| Total domestic deposits to total assets | 86.2786% | 2,540 |
| Equity capital to assets | 10.7212% | 3,197 |
| Core capital (leverage) ratio | 9.8028% | 3,860 |
| Tier 1 risk-based capital ratio | 11.9644% | 5,178 |
| Total risk-based capital ratio | 13.2292% | 5,068 |
| Memoranda: | ||
| Average total assets | $119,857,330 | 4,160 |
| Average earning assets | $107,385,000 | 4,195 |
| Average equity | $12,781,670 | 4,243 |
| Average total loans | $97,203,330 | 3,485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 450 |
| Cost of funding earning assets | 0.6068% | 1,384 |
| Net interest margin | 4.5346% | 569 |
| Noninterest income to average assets | 0.3775% | 4,179 |
| Noninterest expense to average assets | 3.9057% | 762 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3876% | 5,120 |
| Return on assets (ROA) | 0.3876% | 5,238 |
| Pretax return on assets | 0.5412% | 5,067 |
| Return on Equity (ROE) | 3.6441% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.6441% | 3,820 |
| Net charge-offs to loans | 0.9080% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.7297% | 3,018 |
| Efficiency ratio | 87.8287% | 1,032 |
| Assets per employee ($millions) | 3.3144% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6608% | 1,849 |
| Loan loss allowance to noncurrent loans | 40.5022% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 5.2707% | 221 |
| Noncurrent loans to loans | 4.1005% | 415 |
| Net loans and leases to total assets | 79.2499% | 772 |
| Net loans and leases to deposits | 92.2519% | 1,157 |
| Net loans and leases to core deposits | 94.0765% | 1,761 |
| Total domestic deposits to total assets | 85.9060% | 2,993 |
| Equity capital to assets | 10.7434% | 3,273 |
| Core capital (leverage) ratio | 10.7933% | 2,633 |
| Tier 1 risk-based capital ratio | 11.7218% | 5,425 |
| Total risk-based capital ratio | 12.9715% | 5,330 |
| Memoranda: | ||
| Average total assets | $119,723,000 | 4,189 |
| Average earning assets | $107,441,000 | 4,229 |
| Average equity | $12,733,000 | 4,285 |
| Average total loans | $97,794,000 | 3,494 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 593 |
| Cost of funding earning assets | 0.7712% | 757 |
| Net interest margin | 4.3602% | 950 |
| Noninterest income to average assets | 0.7593% | 2,040 |
| Noninterest expense to average assets | 4.0946% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3813% | 5,285 |
| Return on assets (ROA) | 0.3813% | 5,352 |
| Pretax return on assets | 0.5300% | 5,169 |
| Return on Equity (ROE) | 3.6845% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.6845% | 3,600 |
| Net charge-offs to loans | 0.0938% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.0111% | 3,103 |
| Efficiency ratio | 88.5398% | 946 |
| Assets per employee ($millions) | 3.3368% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 1,472 |
| Loan loss allowance to noncurrent loans | 48.6494% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 5.1138% | 263 |
| Noncurrent loans to loans | 3.7604% | 521 |
| Net loans and leases to total assets | 81.2572% | 599 |
| Net loans and leases to deposits | 95.7402% | 921 |
| Net loans and leases to core deposits | 97.6432% | 1,578 |
| Total domestic deposits to total assets | 84.8726% | 3,339 |
| Equity capital to assets | 10.5281% | 3,441 |
| Core capital (leverage) ratio | 9.4812% | 4,274 |
| Tier 1 risk-based capital ratio | 11.1071% | 5,867 |
| Total risk-based capital ratio | 12.3632% | 5,805 |
| Memoranda: | ||
| Average total assets | $119,058,000 | 4,200 |
| Average earning assets | $105,544,600 | 4,282 |
| Average equity | $12,321,800 | 4,297 |
| Average total loans | $95,982,200 | 3,500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 582 |
| Cost of funding earning assets | 0.7884% | 730 |
| Net interest margin | 4.3560% | 947 |
| Noninterest income to average assets | 0.8721% | 1,617 |
| Noninterest expense to average assets | 4.1697% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3861% | 5,297 |
| Return on assets (ROA) | 0.3861% | 5,378 |
| Pretax return on assets | 0.5533% | 5,174 |
| Return on Equity (ROE) | 3.7471% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,982 |
| Net charge-offs to loans | 0.2173% | 1,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.1807% | 3,710 |
| Efficiency ratio | 88.2842% | 977 |
| Assets per employee ($millions) | 3.2552% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 1,648 |
| Loan loss allowance to noncurrent loans | 49.4921% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 5.0023% | 344 |
| Noncurrent loans to loans | 3.6806% | 626 |
| Net loans and leases to total assets | 78.4888% | 905 |
| Net loans and leases to deposits | 92.1924% | 1,209 |
| Net loans and leases to core deposits | 94.2588% | 1,835 |
| Total domestic deposits to total assets | 85.1358% | 3,287 |
| Equity capital to assets | 10.3874% | 3,695 |
| Core capital (leverage) ratio | 9.4639% | 4,421 |
| Tier 1 risk-based capital ratio | 11.4632% | 5,803 |
| Total risk-based capital ratio | 12.7202% | 5,736 |
| Memoranda: | ||
| Average total assets | $118,791,000 | 4,243 |
| Average earning assets | $105,016,750 | 4,327 |
| Average equity | $12,240,500 | 4,339 |
| Average total loans | $95,120,250 | 3,558 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 569 |
| Cost of funding earning assets | 0.7953% | 727 |
| Net interest margin | 4.3453% | 945 |
| Noninterest income to average assets | 0.3569% | 4,564 |
| Noninterest expense to average assets | 4.0798% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1032% | 6,042 |
| Return on assets (ROA) | 0.1032% | 6,076 |
| Pretax return on assets | 0.1032% | 6,095 |
| Return on Equity (ROE) | 1.0041% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.0041% | 5,353 |
| Net charge-offs to loans | 0.3357% | 1,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.3836% | 4,055 |
| Efficiency ratio | 97.5334% | 485 |
| Assets per employee ($millions) | 3.2704% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 1,791 |
| Loan loss allowance to noncurrent loans | 46.0991% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 6.3347% | 224 |
| Noncurrent loans to loans | 3.9490% | 606 |
| Net loans and leases to total assets | 80.1186% | 678 |
| Net loans and leases to deposits | 95.6973% | 820 |
| Net loans and leases to core deposits | 97.5238% | 1,474 |
| Total domestic deposits to total assets | 83.7208% | 4,027 |
| Equity capital to assets | 10.3930% | 3,571 |
| Core capital (leverage) ratio | 9.2174% | 4,710 |
| Tier 1 risk-based capital ratio | 11.0514% | 6,031 |
| Total risk-based capital ratio | 12.3077% | 5,968 |
| Memoranda: | ||
| Average total assets | $118,240,000 | 4,281 |
| Average earning assets | $104,113,000 | 4,361 |
| Average equity | $12,150,330 | 4,366 |
| Average total loans | $94,730,670 | 3,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 513 |
| Cost of funding earning assets | 0.7915% | 779 |
| Net interest margin | 4.3841% | 832 |
| Noninterest income to average assets | 0.2667% | 5,236 |
| Noninterest expense to average assets | 4.0677% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0506% | 6,126 |
| Return on assets (ROA) | 0.0506% | 6,145 |
| Pretax return on assets | 0.0506% | 6,154 |
| Return on Equity (ROE) | 0.4956% | 6,144 |
| Retained earnings to average equity (ytd only) | 0.4956% | 5,386 |
| Net charge-offs to loans | -0.0383% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7705% | 509 |
| Assets per employee ($millions) | 3.3394% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0572% | 1,398 |
| Loan loss allowance to noncurrent loans | 93.3788% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 4.8329% | 437 |
| Noncurrent loans to loans | 2.2031% | 1,652 |
| Net loans and leases to total assets | 75.9585% | 1,007 |
| Net loans and leases to deposits | 90.0880% | 1,135 |
| Net loans and leases to core deposits | 91.7591% | 1,753 |
| Total domestic deposits to total assets | 84.3159% | 4,157 |
| Equity capital to assets | 10.1092% | 3,712 |
| Core capital (leverage) ratio | 9.2475% | 4,653 |
| Tier 1 risk-based capital ratio | 11.2352% | 6,048 |
| Total risk-based capital ratio | 12.4944% | 5,994 |
| Memoranda: | ||
| Average total assets | $118,493,500 | 4,306 |
| Average earning assets | $104,104,000 | 4,401 |
| Average equity | $12,107,500 | 4,400 |
| Average total loans | $94,058,500 | 3,607 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2106% | 625 |
| Cost of funding earning assets | 0.8751% | 841 |
| Net interest margin | 4.3355% | 1,023 |
| Noninterest income to average assets | 0.2982% | 5,219 |
| Noninterest expense to average assets | 4.0645% | 808 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0175% | 6,185 |
| Return on assets (ROA) | 0.0491% | 6,180 |
| Pretax return on assets | 0.0491% | 6,155 |
| Return on Equity (ROE) | 0.5037% | 6,166 |
| Retained earnings to average equity (ytd only) | 0.5037% | 5,615 |
| Net charge-offs to loans | 0.3556% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.0625% | 5,071 |
| Efficiency ratio | 99.5715% | 492 |
| Assets per employee ($millions) | 3.1559% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0119% | 1,518 |
| Loan loss allowance to noncurrent loans | 86.2630% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 5.2616% | 431 |
| Noncurrent loans to loans | 2.3323% | 1,651 |
| Net loans and leases to total assets | 79.6223% | 635 |
| Net loans and leases to deposits | 94.6070% | 828 |
| Net loans and leases to core deposits | 96.4181% | 1,418 |
| Total domestic deposits to total assets | 84.1612% | 4,105 |
| Equity capital to assets | 10.3297% | 3,365 |
| Core capital (leverage) ratio | 9.1555% | 4,777 |
| Tier 1 risk-based capital ratio | 11.0968% | 6,121 |
| Total risk-based capital ratio | 12.3557% | 6,070 |
| Memoranda: | ||
| Average total assets | $120,063,400 | 4,275 |
| Average earning assets | $104,785,800 | 4,391 |
| Average equity | $11,714,400 | 4,507 |
| Average total loans | $94,485,400 | 3,587 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 561 |
| Cost of funding earning assets | 0.8825% | 896 |
| Net interest margin | 4.3824% | 932 |
| Noninterest income to average assets | 0.2603% | 5,584 |
| Noninterest expense to average assets | 4.0422% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0408% | 6,231 |
| Return on assets (ROA) | 0.0827% | 6,220 |
| Pretax return on assets | 0.0827% | 6,222 |
| Return on Equity (ROE) | 0.8600% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.8600% | 5,632 |
| Net charge-offs to loans | 0.4831% | 1,328 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.1082% | 4,825 |
| Efficiency ratio | 99.0005% | 499 |
| Assets per employee ($millions) | 3.1315% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0556% | 1,599 |
| Loan loss allowance to noncurrent loans | 782.7160% | 603 |
| Noncurrent assets plus other real estate owned to assets | 3.5405% | 956 |
| Noncurrent loans to loans | 0.2626% | 5,574 |
| Net loans and leases to total assets | 76.1597% | 982 |
| Net loans and leases to deposits | 90.4533% | 1,115 |
| Net loans and leases to core deposits | 92.4020% | 1,732 |
| Total domestic deposits to total assets | 84.1978% | 4,112 |
| Equity capital to assets | 9.7482% | 4,243 |
| Core capital (leverage) ratio | 8.8055% | 5,408 |
| Tier 1 risk-based capital ratio | 10.9022% | 6,322 |
| Total risk-based capital ratio | 12.1618% | 6,282 |
| Memoranda: | ||
| Average total assets | $120,886,750 | 4,308 |
| Average earning assets | $105,449,500 | 4,418 |
| Average equity | $11,627,500 | 4,569 |
| Average total loans | $94,385,750 | 3,613 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 609 |
| Cost of funding earning assets | 0.8939% | 927 |
| Net interest margin | 4.3298% | 979 |
| Noninterest income to average assets | 0.2568% | 5,615 |
| Noninterest expense to average assets | 3.9846% | 882 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0428% | 6,253 |
| Return on assets (ROA) | 0.1053% | 6,210 |
| Pretax return on assets | 0.1053% | 6,223 |
| Return on Equity (ROE) | 1.1000% | 6,188 |
| Retained earnings to average equity (ytd only) | 1.1000% | 5,460 |
| Net charge-offs to loans | 0.6842% | 962 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0800% | 4,518 |
| Efficiency ratio | 98.9375% | 525 |
| Assets per employee ($millions) | 3.2202% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0396% | 1,765 |
| Loan loss allowance to noncurrent loans | 749.2188% | 601 |
| Noncurrent assets plus other real estate owned to assets | 3.6921% | 1,004 |
| Noncurrent loans to loans | 0.2722% | 5,618 |
| Net loans and leases to total assets | 77.3186% | 825 |
| Net loans and leases to deposits | 92.9811% | 881 |
| Net loans and leases to core deposits | 94.4938% | 1,480 |
| Total domestic deposits to total assets | 83.1551% | 4,642 |
| Equity capital to assets | 9.7167% | 4,281 |
| Core capital (leverage) ratio | 8.6044% | 5,554 |
| Tier 1 risk-based capital ratio | 10.6817% | 6,450 |
| Total risk-based capital ratio | 11.9408% | 6,421 |
| Memoranda: | ||
| Average total assets | $121,517,000 | 4,313 |
| Average earning assets | $105,824,000 | 4,440 |
| Average equity | $11,636,670 | 4,603 |
| Average total loans | $95,004,670 | 3,610 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 687 |
| Cost of funding earning assets | 0.9130% | 931 |
| Net interest margin | 4.2283% | 1,122 |
| Noninterest income to average assets | 0.4727% | 3,974 |
| Noninterest expense to average assets | 4.1108% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0456% | 6,262 |
| Return on assets (ROA) | 0.1695% | 6,084 |
| Pretax return on assets | 0.1695% | 6,136 |
| Return on Equity (ROE) | 1.7829% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.7829% | 5,096 |
| Net charge-offs to loans | 0.0628% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.9333% | 3,523 |
| Efficiency ratio | 98.9020% | 590 |
| Assets per employee ($millions) | 3.4061% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3399% | 1,348 |
| Loan loss allowance to noncurrent loans | 116.2148% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 5.0808% | 712 |
| Noncurrent loans to loans | 2.0135% | 2,601 |
| Net loans and leases to total assets | 75.8698% | 859 |
| Net loans and leases to deposits | 91.6750% | 832 |
| Net loans and leases to core deposits | 93.1306% | 1,407 |
| Total domestic deposits to total assets | 82.7595% | 4,936 |
| Equity capital to assets | 9.5214% | 4,821 |
| Core capital (leverage) ratio | 8.3949% | 5,717 |
| Tier 1 risk-based capital ratio | 10.5138% | 6,574 |
| Total risk-based capital ratio | 11.7768% | 6,545 |
| Memoranda: | ||
| Average total assets | $122,702,500 | 4,333 |
| Average earning assets | $106,899,000 | 4,449 |
| Average equity | $11,666,500 | 4,639 |
| Average total loans | $95,487,000 | 3,626 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 1,106 |
| Cost of funding earning assets | 1.2135% | 543 |
| Net interest margin | 3.9930% | 2,415 |
| Noninterest income to average assets | 0.0545% | 6,669 |
| Noninterest expense to average assets | 3.7579% | 1,318 |
| Loan and lease loss provision to assets | 0.1891% | 3,273 |
| Net operating income to assets | -0.4896% | 6,561 |
| Return on assets (ROA) | -0.4759% | 6,593 |
| Pretax return on assets | -0.4671% | 6,555 |
| Return on Equity (ROE) | -4.8842% | 6,587 |
| Retained earnings to average equity (ytd only) | -4.8842% | 6,415 |
| Net charge-offs to loans | 0.2709% | 3,311 |
| Credit loss provision to net charge-offs | 94.7791% | 3,285 |
| Earnings coverage of net charge-offs (x) | -1.4618% | 5,802 |
| Efficiency ratio | 108.4142% | 359 |
| Assets per employee ($millions) | 3.4108% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3445% | 1,314 |
| Loan loss allowance to noncurrent loans | 116.4504% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 5.0771% | 753 |
| Noncurrent loans to loans | 2.0133% | 2,683 |
| Net loans and leases to total assets | 76.1245% | 893 |
| Net loans and leases to deposits | 91.8282% | 925 |
| Net loans and leases to core deposits | 93.2761% | 1,525 |
| Total domestic deposits to total assets | 82.8988% | 4,763 |
| Equity capital to assets | 9.4945% | 4,881 |
| Core capital (leverage) ratio | 8.3332% | 5,850 |
| Tier 1 risk-based capital ratio | 10.5294% | 6,544 |
| Total risk-based capital ratio | 11.7929% | 6,504 |
| Memoranda: | ||
| Average total assets | $124,803,800 | 4,254 |
| Average earning assets | $106,637,200 | 4,426 |
| Average equity | $12,161,600 | 4,534 |
| Average total loans | $91,900,400 | 3,697 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2097% | 1,173 |
| Cost of funding earning assets | 1.2815% | 481 |
| Net interest margin | 3.9282% | 2,811 |
| Noninterest income to average assets | 0.4511% | 4,283 |
| Noninterest expense to average assets | 3.7294% | 1,327 |
| Loan and lease loss provision to assets | 0.2224% | 2,837 |
| Net operating income to assets | -0.1628% | 6,465 |
| Return on assets (ROA) | -0.1628% | 6,541 |
| Pretax return on assets | -0.1511% | 6,515 |
| Return on Equity (ROE) | -1.6601% | 6,546 |
| Retained earnings to average equity (ytd only) | -1.6601% | 6,356 |
| Net charge-offs to loans | 0.3724% | 2,611 |
| Credit loss provision to net charge-offs | 82.2835% | 3,546 |
| Earnings coverage of net charge-offs (x) | 0.2638% | 5,196 |
| Efficiency ratio | 98.1243% | 599 |
| Assets per employee ($millions) | 3.4605% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 1,405 |
| Loan loss allowance to noncurrent loans | 594.3548% | 659 |
| Noncurrent assets plus other real estate owned to assets | 4.3139% | 1,085 |
| Noncurrent loans to loans | 0.3987% | 5,658 |
| Net loans and leases to total assets | 75.2070% | 1,089 |
| Net loans and leases to deposits | 90.0597% | 1,140 |
| Net loans and leases to core deposits | 91.2570% | 1,852 |
| Total domestic deposits to total assets | 83.5080% | 4,431 |
| Equity capital to assets | 10.0546% | 4,416 |
| Core capital (leverage) ratio | 8.7899% | 5,364 |
| Tier 1 risk-based capital ratio | 11.3070% | 6,355 |
| Total risk-based capital ratio | 12.5700% | 6,307 |
| Memoranda: | ||
| Average total assets | $125,308,000 | 4,286 |
| Average earning assets | $106,849,000 | 4,468 |
| Average equity | $12,287,500 | 4,543 |
| Average total loans | $90,946,750 | 3,764 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1550% | 1,360 |
| Cost of funding earning assets | 1.3615% | 407 |
| Net interest margin | 3.7935% | 3,388 |
| Noninterest income to average assets | 0.5319% | 3,713 |
| Noninterest expense to average assets | 3.5784% | 1,625 |
| Loan and lease loss provision to assets | 0.0505% | 5,035 |
| Net operating income to assets | 0.0963% | 6,173 |
| Return on assets (ROA) | 0.0963% | 6,323 |
| Pretax return on assets | 0.1137% | 6,302 |
| Return on Equity (ROE) | 0.9899% | 6,300 |
| Retained earnings to average equity (ytd only) | 0.9899% | 5,682 |
| Net charge-offs to loans | 0.1974% | 3,403 |
| Credit loss provision to net charge-offs | 35.9551% | 4,341 |
| Earnings coverage of net charge-offs (x) | 1.1685% | 4,430 |
| Efficiency ratio | 95.6137% | 718 |
| Assets per employee ($millions) | 3.3692% | 5,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4324% | 1,371 |
| Loan loss allowance to noncurrent loans | 377.1870% | 957 |
| Noncurrent assets plus other real estate owned to assets | 4.1561% | 1,204 |
| Noncurrent loans to loans | 0.6449% | 5,222 |
| Net loans and leases to total assets | 70.7581% | 1,778 |
| Net loans and leases to deposits | 85.1214% | 1,709 |
| Net loans and leases to core deposits | 86.2239% | 2,399 |
| Total domestic deposits to total assets | 83.1261% | 4,703 |
| Equity capital to assets | 9.9110% | 4,467 |
| Core capital (leverage) ratio | 8.5829% | 5,541 |
| Tier 1 risk-based capital ratio | 11.8767% | 6,008 |
| Total risk-based capital ratio | 13.1411% | 5,970 |
| Memoranda: | ||
| Average total assets | $126,704,330 | 4,276 |
| Average earning assets | $107,235,670 | 4,482 |
| Average equity | $12,324,000 | 4,540 |
| Average total loans | $90,162,000 | 3,800 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 1,376 |
| Cost of funding earning assets | 1.4141% | 408 |
| Net interest margin | 3.7584% | 3,566 |
| Noninterest income to average assets | 0.3288% | 5,229 |
| Noninterest expense to average assets | 3.3948% | 2,021 |
| Loan and lease loss provision to assets | 0.0251% | 5,036 |
| Net operating income to assets | 0.0470% | 6,337 |
| Return on assets (ROA) | 0.0470% | 6,455 |
| Pretax return on assets | 0.0470% | 6,457 |
| Return on Equity (ROE) | 0.4875% | 6,445 |
| Retained earnings to average equity (ytd only) | 0.4875% | 5,844 |
| Net charge-offs to loans | -0.0533% | 6,550 |
| Credit loss provision to net charge-offs | -66.6667% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9223% | 635 |
| Assets per employee ($millions) | 3.5735% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5707% | 1,264 |
| Loan loss allowance to noncurrent loans | 185.3420% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 4.9228% | 1,070 |
| Noncurrent loans to loans | 1.3870% | 4,032 |
| Net loans and leases to total assets | 67.0517% | 2,279 |
| Net loans and leases to deposits | 82.0282% | 1,935 |
| Net loans and leases to core deposits | 83.0741% | 2,674 |
| Total domestic deposits to total assets | 81.7423% | 5,380 |
| Equity capital to assets | 9.5836% | 4,671 |
| Core capital (leverage) ratio | 8.4132% | 5,725 |
| Tier 1 risk-based capital ratio | 11.7547% | 6,122 |
| Total risk-based capital ratio | 13.0200% | 6,092 |
| Memoranda: | ||
| Average total assets | $127,726,500 | 4,286 |
| Average earning assets | $106,640,500 | 4,525 |
| Average equity | $12,308,500 | 4,550 |
| Average total loans | $90,040,000 | 3,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 841 |
| Cost of funding earning assets | 1.5225% | 658 |
| Net interest margin | 4.1409% | 2,265 |
| Noninterest income to average assets | 0.1748% | 6,243 |
| Noninterest expense to average assets | 3.6980% | 1,543 |
| Loan and lease loss provision to assets | 0.0738% | 5,688 |
| Net operating income to assets | -0.1057% | 6,169 |
| Return on assets (ROA) | -0.1057% | 6,242 |
| Pretax return on assets | -0.1057% | 6,216 |
| Return on Equity (ROE) | -1.1179% | 6,255 |
| Retained earnings to average equity (ytd only) | -1.1179% | 6,025 |
| Net charge-offs to loans | 1.5825% | 1,000 |
| Credit loss provision to net charge-offs | 6.2914% | 6,033 |
| Earnings coverage of net charge-offs (x) | -0.0272% | 5,845 |
| Efficiency ratio | 100.8690% | 644 |
| Assets per employee ($millions) | 3.5224% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4655% | 1,361 |
| Loan loss allowance to noncurrent loans | 172.5535% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 5.2915% | 980 |
| Noncurrent loans to loans | 1.4288% | 4,019 |
| Net loans and leases to total assets | 70.4123% | 1,947 |
| Net loans and leases to deposits | 87.3812% | 1,465 |
| Net loans and leases to core deposits | 88.5248% | 2,318 |
| Total domestic deposits to total assets | 80.5806% | 5,568 |
| Equity capital to assets | 9.6904% | 4,613 |
| Core capital (leverage) ratio | 8.5575% | 5,467 |
| Tier 1 risk-based capital ratio | 11.4719% | 6,177 |
| Total risk-based capital ratio | 12.7366% | 6,155 |
| Memoranda: | ||
| Average total assets | $128,691,200 | 4,198 |
| Average earning assets | $108,503,800 | 4,436 |
| Average equity | $12,165,800 | 4,514 |
| Average total loans | $95,421,400 | 3,736 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 1,025 |
| Cost of funding earning assets | 1.5422% | 736 |
| Net interest margin | 4.0621% | 2,636 |
| Noninterest income to average assets | 0.3923% | 4,721 |
| Noninterest expense to average assets | 3.6480% | 1,604 |
| Loan and lease loss provision to assets | 0.0981% | 5,229 |
| Net operating income to assets | 0.0857% | 5,995 |
| Return on assets (ROA) | 0.0857% | 6,111 |
| Pretax return on assets | 0.0857% | 6,122 |
| Return on Equity (ROE) | 0.9119% | 6,085 |
| Retained earnings to average equity (ytd only) | 0.9119% | 5,642 |
| Net charge-offs to loans | 0.8811% | 1,813 |
| Credit loss provision to net charge-offs | 14.9137% | 5,621 |
| Earnings coverage of net charge-offs (x) | 0.2794% | 5,389 |
| Efficiency ratio | 95.2047% | 856 |
| Assets per employee ($millions) | 3.3752% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2907% | 665 |
| Loan loss allowance to noncurrent loans | 98.1499% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 6.9497% | 711 |
| Noncurrent loans to loans | 3.3527% | 2,060 |
| Net loans and leases to total assets | 73.6577% | 1,381 |
| Net loans and leases to deposits | 90.5597% | 1,152 |
| Net loans and leases to core deposits | 91.7511% | 2,028 |
| Total domestic deposits to total assets | 81.3361% | 5,319 |
| Equity capital to assets | 9.9885% | 4,358 |
| Core capital (leverage) ratio | 8.8244% | 5,221 |
| Tier 1 risk-based capital ratio | 11.5649% | 6,204 |
| Total risk-based capital ratio | 12.8398% | 6,171 |
| Memoranda: | ||
| Average total assets | $129,162,500 | 4,214 |
| Average earning assets | $109,366,750 | 4,438 |
| Average equity | $12,135,250 | 4,528 |
| Average total loans | $96,390,750 | 3,742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 1,399 |
| Cost of funding earning assets | 1.5604% | 813 |
| Net interest margin | 3.8946% | 3,335 |
| Noninterest income to average assets | 0.3599% | 5,003 |
| Noninterest expense to average assets | 3.5302% | 1,912 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1164% | 5,973 |
| Return on assets (ROA) | 0.1164% | 6,062 |
| Pretax return on assets | 0.1286% | 6,050 |
| Return on Equity (ROE) | 1.2643% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.2643% | 5,349 |
| Net charge-offs to loans | 0.8304% | 1,845 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.2090% | 5,155 |
| Efficiency ratio | 96.4839% | 855 |
| Assets per employee ($millions) | 3.5542% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4068% | 644 |
| Loan loss allowance to noncurrent loans | 112.9924% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 6.1016% | 915 |
| Noncurrent loans to loans | 3.0151% | 2,407 |
| Net loans and leases to total assets | 72.4611% | 1,696 |
| Net loans and leases to deposits | 89.1944% | 1,354 |
| Net loans and leases to core deposits | 90.3346% | 2,330 |
| Total domestic deposits to total assets | 81.2395% | 5,451 |
| Equity capital to assets | 9.7061% | 4,528 |
| Core capital (leverage) ratio | 8.7000% | 5,227 |
| Tier 1 risk-based capital ratio | 11.5976% | 6,093 |
| Total risk-based capital ratio | 12.8750% | 6,069 |
| Memoranda: | ||
| Average total assets | $130,589,000 | 4,213 |
| Average earning assets | $110,615,330 | 4,423 |
| Average equity | $12,022,330 | 4,554 |
| Average total loans | $96,815,670 | 3,776 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 1,537 |
| Cost of funding earning assets | 1.6102% | 783 |
| Net interest margin | 3.7955% | 3,641 |
| Noninterest income to average assets | 0.3791% | 4,882 |
| Noninterest expense to average assets | 3.5085% | 1,982 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0728% | 6,168 |
| Return on assets (ROA) | 0.0728% | 6,221 |
| Pretax return on assets | 0.0728% | 6,230 |
| Return on Equity (ROE) | 0.8119% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.8119% | 5,503 |
| Net charge-offs to loans | 0.8351% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.1182% | 4,512 |
| Efficiency ratio | 97.9678% | 831 |
| Assets per employee ($millions) | 3.6903% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6200% | 552 |
| Loan loss allowance to noncurrent loans | 95.6186% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 6.4889% | 859 |
| Noncurrent loans to loans | 3.7859% | 1,941 |
| Net loans and leases to total assets | 71.5289% | 1,807 |
| Net loans and leases to deposits | 87.2471% | 1,559 |
| Net loans and leases to core deposits | 88.3417% | 2,559 |
| Total domestic deposits to total assets | 81.9842% | 5,323 |
| Equity capital to assets | 9.2916% | 4,741 |
| Core capital (leverage) ratio | 8.1614% | 6,031 |
| Tier 1 risk-based capital ratio | 11.0651% | 6,464 |
| Total risk-based capital ratio | 12.3447% | 6,419 |
| Memoranda: | ||
| Average total assets | $131,908,500 | 4,215 |
| Average earning assets | $111,291,000 | 4,426 |
| Average equity | $11,824,000 | 4,596 |
| Average total loans | $97,231,500 | 3,803 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7121% | 1,528 |
| Cost of funding earning assets | 1.9078% | 814 |
| Net interest margin | 3.8043% | 3,922 |
| Noninterest income to average assets | 0.8530% | 2,046 |
| Noninterest expense to average assets | 4.0802% | 1,051 |
| Loan and lease loss provision to assets | 1.1032% | 1,444 |
| Net operating income to assets | -0.6334% | 6,472 |
| Return on assets (ROA) | -0.5702% | 6,460 |
| Pretax return on assets | -0.9614% | 6,614 |
| Return on Equity (ROE) | -6.5137% | 6,527 |
| Retained earnings to average equity (ytd only) | -6.5137% | 6,429 |
| Net charge-offs to loans | 0.6406% | 3,098 |
| Credit loss provision to net charge-offs | 225.8359% | 1,312 |
| Earnings coverage of net charge-offs (x) | 0.0881% | 6,030 |
| Efficiency ratio | 98.9557% | 823 |
| Assets per employee ($millions) | 3.7405% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7239% | 509 |
| Loan loss allowance to noncurrent loans | 89.7141% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 6.7319% | 834 |
| Noncurrent loans to loans | 4.1508% | 1,745 |
| Net loans and leases to total assets | 70.5008% | 2,409 |
| Net loans and leases to deposits | 86.4350% | 2,015 |
| Net loans and leases to core deposits | 87.2709% | 3,143 |
| Total domestic deposits to total assets | 81.5652% | 5,334 |
| Equity capital to assets | 8.6493% | 5,659 |
| Core capital (leverage) ratio | 7.8309% | 6,404 |
| Tier 1 risk-based capital ratio | 10.3875% | 6,768 |
| Total risk-based capital ratio | 11.6685% | 6,732 |
| Memoranda: | ||
| Average total assets | $134,698,000 | 4,163 |
| Average earning assets | $115,789,200 | 4,324 |
| Average equity | $11,790,600 | 4,674 |
| Average total loans | $102,716,200 | 3,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8052% | 1,383 |
| Cost of funding earning assets | 1.9541% | 868 |
| Net interest margin | 3.8511% | 3,746 |
| Noninterest income to average assets | 1.1254% | 1,103 |
| Noninterest expense to average assets | 4.2105% | 812 |
| Loan and lease loss provision to assets | 1.0472% | 1,413 |
| Net operating income to assets | -0.4673% | 6,571 |
| Return on assets (ROA) | -0.3830% | 6,553 |
| Pretax return on assets | -0.6691% | 6,657 |
| Return on Equity (ROE) | -4.3630% | 6,598 |
| Retained earnings to average equity (ytd only) | -4.3630% | 6,503 |
| Net charge-offs to loans | 0.7840% | 2,475 |
| Credit loss provision to net charge-offs | 173.4426% | 2,121 |
| Earnings coverage of net charge-offs (x) | 0.4082% | 5,612 |
| Efficiency ratio | 94.4704% | 980 |
| Assets per employee ($millions) | 3.5351% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3821% | 589 |
| Loan loss allowance to noncurrent loans | 168.2167% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 5.1446% | 1,239 |
| Noncurrent loans to loans | 2.0105% | 3,661 |
| Net loans and leases to total assets | 71.9015% | 2,272 |
| Net loans and leases to deposits | 88.8701% | 1,879 |
| Net loans and leases to core deposits | 89.5471% | 3,159 |
| Total domestic deposits to total assets | 80.9063% | 5,411 |
| Equity capital to assets | 8.8198% | 5,825 |
| Core capital (leverage) ratio | 8.1956% | 6,046 |
| Tier 1 risk-based capital ratio | 10.7411% | 6,602 |
| Total risk-based capital ratio | 12.0160% | 6,559 |
| Memoranda: | ||
| Average total assets | $134,708,000 | 4,216 |
| Average earning assets | $116,536,250 | 4,372 |
| Average equity | $11,826,500 | 4,731 |
| Average total loans | $103,743,500 | 3,740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 1,359 |
| Cost of funding earning assets | 2.0014% | 913 |
| Net interest margin | 3.8243% | 3,790 |
| Noninterest income to average assets | 0.3323% | 5,503 |
| Noninterest expense to average assets | 4.0158% | 1,023 |
| Loan and lease loss provision to assets | 0.6764% | 2,137 |
| Net operating income to assets | -0.6035% | 6,743 |
| Return on assets (ROA) | -0.4897% | 6,680 |
| Pretax return on assets | -0.8411% | 6,809 |
| Return on Equity (ROE) | -5.5857% | 6,749 |
| Retained earnings to average equity (ytd only) | -5.5857% | 6,621 |
| Net charge-offs to loans | 0.1776% | 4,544 |
| Credit loss provision to net charge-offs | 489.3617% | 761 |
| Earnings coverage of net charge-offs (x) | -2.4787% | 6,238 |
| Efficiency ratio | 109.3275% | 559 |
| Assets per employee ($millions) | 3.8452% | 4,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0487% | 786 |
| Loan loss allowance to noncurrent loans | 73.2709% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 4.1001% | 1,665 |
| Noncurrent loans to loans | 4.1608% | 1,794 |
| Net loans and leases to total assets | 75.8510% | 1,518 |
| Net loans and leases to deposits | 95.2550% | 1,118 |
| Net loans and leases to core deposits | 96.4020% | 2,402 |
| Total domestic deposits to total assets | 79.6294% | 5,849 |
| Equity capital to assets | 8.6387% | 5,960 |
| Core capital (leverage) ratio | 8.1383% | 6,052 |
| Tier 1 risk-based capital ratio | 10.6216% | 6,592 |
| Total risk-based capital ratio | 11.8940% | 6,564 |
| Memoranda: | ||
| Average total assets | $136,011,670 | 4,212 |
| Average earning assets | $118,819,330 | 4,341 |
| Average equity | $11,923,330 | 4,701 |
| Average total loans | $105,879,000 | 3,720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9902% | 999 |
| Cost of funding earning assets | 2.0618% | 911 |
| Net interest margin | 3.9284% | 3,206 |
| Noninterest income to average assets | 0.2633% | 6,048 |
| Noninterest expense to average assets | 3.3205% | 2,464 |
| Loan and lease loss provision to assets | 0.2311% | 4,194 |
| Net operating income to assets | 0.0998% | 6,023 |
| Return on assets (ROA) | 0.1697% | 5,913 |
| Pretax return on assets | 0.2194% | 5,822 |
| Return on Equity (ROE) | 1.9218% | 5,795 |
| Retained earnings to average equity (ytd only) | 1.9218% | 4,976 |
| Net charge-offs to loans | 0.0075% | 5,489 |
| Credit loss provision to net charge-offs | 3,950.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 61.5000% | 500 |
| Efficiency ratio | 90.2226% | 1,419 |
| Assets per employee ($millions) | 3.7398% | 4,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7934% | 993 |
| Loan loss allowance to noncurrent loans | 144.1757% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 2.3286% | 3,119 |
| Noncurrent loans to loans | 1.9375% | 3,878 |
| Net loans and leases to total assets | 75.4999% | 1,646 |
| Net loans and leases to deposits | 94.5088% | 1,293 |
| Net loans and leases to core deposits | 96.0647% | 2,583 |
| Total domestic deposits to total assets | 79.8867% | 5,823 |
| Equity capital to assets | 8.9800% | 5,310 |
| Core capital (leverage) ratio | 8.0984% | 6,077 |
| Tier 1 risk-based capital ratio | 10.5750% | 6,561 |
| Total risk-based capital ratio | 11.8435% | 6,540 |
| Memoranda: | ||
| Average total assets | $136,727,000 | 4,256 |
| Average earning assets | $118,928,000 | 4,404 |
| Average equity | $12,072,000 | 4,704 |
| Average total loans | $106,173,000 | 3,774 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3084% | 1,009 |
| Cost of funding earning assets | 2.5571% | 881 |
| Net interest margin | 3.7513% | 3,908 |
| Noninterest income to average assets | 0.0617% | 7,449 |
| Noninterest expense to average assets | 3.4104% | 2,641 |
| Loan and lease loss provision to assets | 1.4143% | 1,621 |
| Net operating income to assets | -0.9056% | 6,514 |
| Return on assets (ROA) | -0.9037% | 6,512 |
| Pretax return on assets | -1.4840% | 6,694 |
| Return on Equity (ROE) | -10.8372% | 6,684 |
| Retained earnings to average equity (ytd only) | -10.8372% | 6,582 |
| Net charge-offs to loans | 0.7930% | 2,841 |
| Credit loss provision to net charge-offs | 226.4808% | 1,648 |
| Earnings coverage of net charge-offs (x) | -0.1161% | 6,349 |
| Efficiency ratio | 102.1730% | 1,006 |
| Assets per employee ($millions) | 3.6532% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6378% | 1,083 |
| Loan loss allowance to noncurrent loans | 274.6860% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7029% | 3,814 |
| Noncurrent loans to loans | 0.9603% | 5,389 |
| Net loans and leases to total assets | 75.5896% | 1,902 |
| Net loans and leases to deposits | 93.3710% | 1,679 |
| Net loans and leases to core deposits | 129.3179% | 1,316 |
| Total domestic deposits to total assets | 80.9562% | 5,353 |
| Equity capital to assets | 8.6831% | 5,616 |
| Core capital (leverage) ratio | 7.9993% | 6,197 |
| Tier 1 risk-based capital ratio | 10.1100% | 6,781 |
| Total risk-based capital ratio | 11.3764% | 6,733 |
| Memoranda: | ||
| Average total assets | $137,872,600 | 4,167 |
| Average earning assets | $120,411,600 | 4,302 |
| Average equity | $11,497,400 | 4,879 |
| Average total loans | $108,570,000 | 3,728 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3591% | 1,006 |
| Cost of funding earning assets | 2.6645% | 874 |
| Net interest margin | 3.6946% | 4,100 |
| Noninterest income to average assets | 0.3342% | 5,814 |
| Noninterest expense to average assets | 3.4806% | 2,328 |
| Loan and lease loss provision to assets | 1.4725% | 1,305 |
| Net operating income to assets | -0.8343% | 6,714 |
| Return on assets (ROA) | -0.8021% | 6,695 |
| Pretax return on assets | -1.3407% | 6,882 |
| Return on Equity (ROE) | -9.7195% | 6,877 |
| Retained earnings to average equity (ytd only) | -9.7195% | 6,780 |
| Net charge-offs to loans | 0.5859% | 2,923 |
| Credit loss provision to net charge-offs | 317.9916% | 1,297 |
| Earnings coverage of net charge-offs (x) | 0.1757% | 5,848 |
| Efficiency ratio | 97.7155% | 1,179 |
| Assets per employee ($millions) | 3.6351% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5811% | 987 |
| Loan loss allowance to noncurrent loans | 269.9807% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 2.5432% | 2,728 |
| Noncurrent loans to loans | 0.9560% | 5,380 |
| Net loans and leases to total assets | 76.4245% | 1,911 |
| Net loans and leases to deposits | 95.4003% | 1,658 |
| Net loans and leases to core deposits | 132.8564% | 1,277 |
| Total domestic deposits to total assets | 80.1093% | 5,395 |
| Equity capital to assets | 8.9811% | 5,509 |
| Core capital (leverage) ratio | 8.7170% | 5,103 |
| Tier 1 risk-based capital ratio | 10.7569% | 6,203 |
| Total risk-based capital ratio | 12.0223% | 6,153 |
| Memoranda: | ||
| Average total assets | $137,635,250 | 4,195 |
| Average earning assets | $120,244,750 | 4,343 |
| Average equity | $11,358,250 | 4,962 |
| Average total loans | $108,768,000 | 3,759 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3219% | 1,153 |
| Cost of funding earning assets | 2.7889% | 817 |
| Net interest margin | 3.5330% | 4,645 |
| Noninterest income to average assets | 0.3201% | 5,948 |
| Noninterest expense to average assets | 3.4102% | 2,592 |
| Loan and lease loss provision to assets | 1.4738% | 1,172 |
| Net operating income to assets | -0.8966% | 6,898 |
| Return on assets (ROA) | -0.8482% | 6,873 |
| Pretax return on assets | -1.3938% | 7,031 |
| Return on Equity (ROE) | -10.5913% | 7,080 |
| Retained earnings to average equity (ytd only) | -10.5913% | 6,933 |
| Net charge-offs to loans | 0.8925% | 1,913 |
| Credit loss provision to net charge-offs | 208.4362% | 2,199 |
| Earnings coverage of net charge-offs (x) | 0.0062% | 5,683 |
| Efficiency ratio | 99.8722% | 1,182 |
| Assets per employee ($millions) | 3.7752% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1291% | 1,349 |
| Loan loss allowance to noncurrent loans | 217.2217% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 3.0283% | 2,093 |
| Noncurrent loans to loans | 0.9802% | 5,247 |
| Net loans and leases to total assets | 75.1307% | 2,409 |
| Net loans and leases to deposits | 93.6340% | 2,150 |
| Net loans and leases to core deposits | 131.2177% | 1,474 |
| Total domestic deposits to total assets | 80.2387% | 5,377 |
| Equity capital to assets | 8.9797% | 5,344 |
| Core capital (leverage) ratio | 9.1159% | 4,433 |
| Tier 1 risk-based capital ratio | 10.9587% | 5,919 |
| Total risk-based capital ratio | 12.2184% | 5,845 |
| Memoranda: | ||
| Average total assets | $137,468,670 | 4,227 |
| Average earning assets | $120,406,330 | 4,356 |
| Average equity | $11,009,000 | 5,084 |
| Average total loans | $108,902,000 | 3,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3188% | 1,244 |
| Cost of funding earning assets | 2.8852% | 798 |
| Net interest margin | 3.4336% | 4,998 |
| Noninterest income to average assets | 0.2816% | 6,174 |
| Noninterest expense to average assets | 3.0918% | 3,406 |
| Loan and lease loss provision to assets | 0.3813% | 3,033 |
| Net operating income to assets | -0.0800% | 6,381 |
| Return on assets (ROA) | 0.0176% | 6,368 |
| Pretax return on assets | -0.0088% | 6,387 |
| Return on Equity (ROE) | 0.2343% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.2343% | 5,565 |
| Net charge-offs to loans | 0.7946% | 1,625 |
| Credit loss provision to net charge-offs | 59.6330% | 4,523 |
| Earnings coverage of net charge-offs (x) | 0.3440% | 4,699 |
| Efficiency ratio | 93.3570% | 1,473 |
| Assets per employee ($millions) | 3.7379% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 2,864 |
| Loan loss allowance to noncurrent loans | 91.4975% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 3.0376% | 1,858 |
| Noncurrent loans to loans | 1.6615% | 3,781 |
| Net loans and leases to total assets | 78.1297% | 1,790 |
| Net loans and leases to deposits | 93.2771% | 2,391 |
| Net loans and leases to core deposits | 131.4602% | 1,571 |
| Total domestic deposits to total assets | 83.7609% | 3,820 |
| Equity capital to assets | 7.7258% | 7,153 |
| Core capital (leverage) ratio | 7.9128% | 6,594 |
| Tier 1 risk-based capital ratio | 9.2225% | 7,654 |
| Total risk-based capital ratio | 10.4751% | 7,642 |
| Memoranda: | ||
| Average total assets | $136,362,000 | 4,275 |
| Average earning assets | $120,338,500 | 4,376 |
| Average equity | $10,242,000 | 5,310 |
| Average total loans | $109,739,500 | 3,793 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8956% | 1,411 |
| Cost of funding earning assets | 3.5298% | 479 |
| Net interest margin | 3.3659% | 5,800 |
| Noninterest income to average assets | 0.2497% | 6,663 |
| Noninterest expense to average assets | 3.0868% | 3,754 |
| Loan and lease loss provision to assets | 1.1838% | 1,220 |
| Net operating income to assets | -0.5581% | 6,963 |
| Return on assets (ROA) | -0.4986% | 6,802 |
| Pretax return on assets | -0.8512% | 6,914 |
| Return on Equity (ROE) | -6.3173% | 6,988 |
| Retained earnings to average equity (ytd only) | -6.3173% | 6,700 |
| Net charge-offs to loans | 1.0694% | 1,142 |
| Credit loss provision to net charge-offs | 136.1307% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.2756% | 6,066 |
| Efficiency ratio | 92.7945% | 1,340 |
| Assets per employee ($millions) | 3.5374% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 2,251 |
| Loan loss allowance to noncurrent loans | 151.5544% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 2.2028% | 2,216 |
| Noncurrent loans to loans | 1.0551% | 4,465 |
| Net loans and leases to total assets | 80.3447% | 1,580 |
| Net loans and leases to deposits | 95.2709% | 2,565 |
| Net loans and leases to core deposits | 136.0488% | 1,480 |
| Total domestic deposits to total assets | 84.3329% | 3,162 |
| Equity capital to assets | 7.2897% | 7,567 |
| Core capital (leverage) ratio | 7.3106% | 7,403 |
| Tier 1 risk-based capital ratio | 8.0718% | 8,075 |
| Total risk-based capital ratio | 9.3245% | 8,110 |
| Memoranda: | ||
| Average total assets | $130,169,200 | 4,280 |
| Average earning assets | $118,988,200 | 4,284 |
| Average equity | $10,273,400 | 5,326 |
| Average total loans | $105,858,200 | 3,799 |