Home > First Business Bank-Milwaukee > Performance and Condition Ratios
First Business Bank-Milwaukee, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4330% | 4,868 |
| Cost of funding earning assets | 0.3615% | 3,397 |
| Net interest margin | 3.0716% | 4,729 |
| Noninterest income to average assets | 0.6837% | 2,027 |
| Noninterest expense to average assets | 2.5641% | 3,611 |
| Loan and lease loss provision to assets | 0.0721% | 2,364 |
| Net operating income to assets | 0.6806% | 3,789 |
| Return on assets (ROA) | 0.6806% | 3,826 |
| Pretax return on assets | 0.9927% | 3,399 |
| Return on Equity (ROE) | 7.7507% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.7507% | 1,554 |
| Net charge-offs to loans | -0.0166% | 4,638 |
| Credit loss provision to net charge-offs | -575.0000% | 4,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6569% | 2,796 |
| Assets per employee ($millions) | 12.6801% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,033 |
| Loan loss allowance to noncurrent loans | 46.1573% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.7752% | 813 |
| Noncurrent loans to loans | 2.2532% | 741 |
| Net loans and leases to total assets | 77.9663% | 1,141 |
| Net loans and leases to deposits | 86.0714% | 2,026 |
| Net loans and leases to core deposits | 118.3877% | 509 |
| Total domestic deposits to total assets | 90.5833% | 439 |
| Equity capital to assets | 8.9207% | 4,886 |
| Core capital (leverage) ratio | 8.9309% | 4,815 |
| Tier 1 risk-based capital ratio | 9.6351% | 5,760 |
| Total risk-based capital ratio | 10.5138% | 5,789 |
| Memoranda: | ||
| Average total assets | $255,064,500 | 2,504 |
| Average earning assets | $244,567,000 | 2,439 |
| Average equity | $22,398,000 | 2,952 |
| Average total loans | $192,374,500 | 2,250 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4597% | 4,873 |
| Cost of funding earning assets | 0.4714% | 2,339 |
| Net interest margin | 2.9883% | 4,983 |
| Noninterest income to average assets | 0.5310% | 3,025 |
| Noninterest expense to average assets | 2.5002% | 4,013 |
| Loan and lease loss provision to assets | 0.0877% | 2,609 |
| Net operating income to assets | 0.5758% | 4,316 |
| Return on assets (ROA) | 0.5758% | 4,422 |
| Pretax return on assets | 0.8370% | 4,059 |
| Return on Equity (ROE) | 7.3784% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.3784% | 1,086 |
| Net charge-offs to loans | -0.0190% | 5,111 |
| Credit loss provision to net charge-offs | -728.1250% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0000% | 2,427 |
| Assets per employee ($millions) | 12.2156% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 3,742 |
| Loan loss allowance to noncurrent loans | 190.7634% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,616 |
| Noncurrent loans to loans | 0.5737% | 3,121 |
| Net loans and leases to total assets | 71.3075% | 2,274 |
| Net loans and leases to deposits | 78.4609% | 3,051 |
| Net loans and leases to core deposits | 97.3083% | 1,815 |
| Total domestic deposits to total assets | 90.8828% | 316 |
| Equity capital to assets | 8.6435% | 5,150 |
| Core capital (leverage) ratio | 9.1505% | 4,551 |
| Tier 1 risk-based capital ratio | 10.1007% | 5,710 |
| Total risk-based capital ratio | 11.0165% | 5,763 |
| Memoranda: | ||
| Average total assets | $265,703,800 | 2,391 |
| Average earning assets | $257,305,200 | 2,298 |
| Average equity | $20,736,200 | 3,094 |
| Average total loans | $168,461,000 | 2,427 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 5,450 |
| Cost of funding earning assets | 0.5029% | 2,081 |
| Net interest margin | 2.6190% | 5,572 |
| Noninterest income to average assets | 0.4955% | 3,283 |
| Noninterest expense to average assets | 2.4786% | 4,049 |
| Loan and lease loss provision to assets | 0.1527% | 1,530 |
| Net operating income to assets | 0.2915% | 5,303 |
| Return on assets (ROA) | 0.2915% | 5,388 |
| Pretax return on assets | 0.4060% | 5,298 |
| Return on Equity (ROE) | 3.8343% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.8343% | 3,580 |
| Net charge-offs to loans | -0.0105% | 4,784 |
| Credit loss provision to net charge-offs | -2,361.5385% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6052% | 1,238 |
| Assets per employee ($millions) | 12.0819% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,543 |
| Loan loss allowance to noncurrent loans | 192.9499% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 3,634 |
| Noncurrent loans to loans | 0.5955% | 3,223 |
| Net loans and leases to total assets | 74.0528% | 1,863 |
| Net loans and leases to deposits | 81.5769% | 2,787 |
| Net loans and leases to core deposits | 97.6683% | 1,845 |
| Total domestic deposits to total assets | 90.7767% | 249 |
| Equity capital to assets | 8.9233% | 5,230 |
| Core capital (leverage) ratio | 7.6243% | 5,805 |
| Tier 1 risk-based capital ratio | 10.1289% | 5,748 |
| Total risk-based capital ratio | 11.1153% | 5,793 |
| Memoranda: | ||
| Average total assets | $267,998,000 | 2,388 |
| Average earning assets | $260,091,750 | 2,292 |
| Average equity | $20,377,000 | 3,157 |
| Average total loans | $164,339,500 | 2,475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9032% | 5,732 |
| Cost of funding earning assets | 0.5250% | 1,903 |
| Net interest margin | 2.3782% | 5,824 |
| Noninterest income to average assets | 0.4769% | 3,357 |
| Noninterest expense to average assets | 2.4011% | 4,333 |
| Loan and lease loss provision to assets | 0.1669% | 1,346 |
| Net operating income to assets | 0.1749% | 5,573 |
| Return on assets (ROA) | 0.1749% | 5,626 |
| Pretax return on assets | 0.2197% | 5,594 |
| Return on Equity (ROE) | 2.4222% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.4222% | 4,344 |
| Net charge-offs to loans | -0.0076% | 4,623 |
| Credit loss provision to net charge-offs | -3,850.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1327% | 866 |
| Assets per employee ($millions) | 15.3636% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,829 |
| Loan loss allowance to noncurrent loans | 182.1168% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 4,059 |
| Noncurrent loans to loans | 0.6160% | 3,218 |
| Net loans and leases to total assets | 57.2579% | 4,191 |
| Net loans and leases to deposits | 61.6255% | 4,688 |
| Net loans and leases to core deposits | 73.1909% | 4,059 |
| Total domestic deposits to total assets | 92.9128% | 32 |
| Equity capital to assets | 6.8949% | 5,970 |
| Core capital (leverage) ratio | 6.7997% | 5,961 |
| Tier 1 risk-based capital ratio | 10.3224% | 5,753 |
| Total risk-based capital ratio | 11.3047% | 5,775 |
| Memoranda: | ||
| Average total assets | $276,785,000 | 2,323 |
| Average earning assets | $268,941,670 | 2,242 |
| Average equity | $19,982,000 | 3,200 |
| Average total loans | $158,779,670 | 2,548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 5,701 |
| Cost of funding earning assets | 0.4703% | 2,368 |
| Net interest margin | 2.5125% | 5,796 |
| Noninterest income to average assets | 0.4802% | 3,260 |
| Noninterest expense to average assets | 2.5067% | 4,050 |
| Loan and lease loss provision to assets | 0.0902% | 2,173 |
| Net operating income to assets | 0.2263% | 5,481 |
| Return on assets (ROA) | 0.2263% | 5,540 |
| Pretax return on assets | 0.3181% | 5,480 |
| Return on Equity (ROE) | 3.0547% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.0547% | 3,984 |
| Net charge-offs to loans | -0.0054% | 4,313 |
| Credit loss provision to net charge-offs | -2,950.0000% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9916% | 976 |
| Assets per employee ($millions) | 13.3088% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 3,585 |
| Loan loss allowance to noncurrent loans | 163.6691% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4178% | 3,923 |
| Noncurrent loans to loans | 0.7227% | 3,031 |
| Net loans and leases to total assets | 57.1205% | 4,135 |
| Net loans and leases to deposits | 61.8236% | 4,589 |
| Net loans and leases to core deposits | 81.6187% | 3,165 |
| Total domestic deposits to total assets | 92.3926% | 74 |
| Equity capital to assets | 7.3361% | 5,975 |
| Core capital (leverage) ratio | 7.3822% | 5,946 |
| Tier 1 risk-based capital ratio | 10.7311% | 5,651 |
| Total risk-based capital ratio | 11.7404% | 5,668 |
| Memoranda: | ||
| Average total assets | $261,542,000 | 2,452 |
| Average earning assets | $253,451,000 | 2,360 |
| Average equity | $19,380,000 | 3,262 |
| Average total loans | $149,203,000 | 2,663 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9015% | 5,811 |
| Cost of funding earning assets | 0.5376% | 1,864 |
| Net interest margin | 2.3639% | 5,914 |
| Noninterest income to average assets | 0.6044% | 2,694 |
| Noninterest expense to average assets | 2.5877% | 3,966 |
| Loan and lease loss provision to assets | 0.0933% | 2,448 |
| Net operating income to assets | 0.1680% | 5,646 |
| Return on assets (ROA) | 0.1680% | 5,693 |
| Pretax return on assets | 0.2091% | 5,675 |
| Return on Equity (ROE) | 2.2016% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.2016% | 4,463 |
| Net charge-offs to loans | -0.0345% | 5,445 |
| Credit loss provision to net charge-offs | -478.7234% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5364% | 717 |
| Assets per employee ($millions) | 12.8454% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,376 |
| Loan loss allowance to noncurrent loans | 141.8548% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4827% | 3,697 |
| Noncurrent loans to loans | 0.8579% | 2,635 |
| Net loans and leases to total assets | 55.5787% | 4,332 |
| Net loans and leases to deposits | 60.2707% | 4,757 |
| Net loans and leases to core deposits | 79.0769% | 3,439 |
| Total domestic deposits to total assets | 92.2151% | 89 |
| Equity capital to assets | 7.4863% | 5,989 |
| Core capital (leverage) ratio | 7.8086% | 5,909 |
| Tier 1 risk-based capital ratio | 11.0234% | 5,513 |
| Total risk-based capital ratio | 12.0348% | 5,547 |
| Memoranda: | ||
| Average total assets | $241,066,200 | 2,571 |
| Average earning assets | $233,086,000 | 2,481 |
| Average equity | $18,395,400 | 3,326 |
| Average total loans | $136,235,400 | 2,778 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9224% | 5,873 |
| Cost of funding earning assets | 0.5501% | 1,807 |
| Net interest margin | 2.3722% | 5,988 |
| Noninterest income to average assets | 0.6410% | 2,524 |
| Noninterest expense to average assets | 2.6519% | 3,715 |
| Loan and lease loss provision to assets | 0.1119% | 2,015 |
| Net operating income to assets | 0.1411% | 5,790 |
| Return on assets (ROA) | 0.1411% | 5,837 |
| Pretax return on assets | 0.1687% | 5,827 |
| Return on Equity (ROE) | 1.8402% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.8402% | 4,958 |
| Net charge-offs to loans | -0.0199% | 5,210 |
| Credit loss provision to net charge-offs | -995.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4314% | 672 |
| Assets per employee ($millions) | 12.1442% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 3,714 |
| Loan loss allowance to noncurrent loans | 149.9121% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 3,923 |
| Noncurrent loans to loans | 0.7933% | 2,977 |
| Net loans and leases to total assets | 58.3583% | 4,095 |
| Net loans and leases to deposits | 63.5550% | 4,595 |
| Net loans and leases to core deposits | 80.5514% | 3,388 |
| Total domestic deposits to total assets | 91.8233% | 114 |
| Equity capital to assets | 7.8972% | 5,993 |
| Core capital (leverage) ratio | 7.7809% | 5,986 |
| Tier 1 risk-based capital ratio | 11.6923% | 5,270 |
| Total risk-based capital ratio | 12.7431% | 5,301 |
| Memoranda: | ||
| Average total assets | $237,105,750 | 2,612 |
| Average earning assets | $229,033,250 | 2,536 |
| Average equity | $18,186,000 | 3,383 |
| Average total loans | $134,158,000 | 2,832 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9117% | 5,936 |
| Cost of funding earning assets | 0.5549% | 1,778 |
| Net interest margin | 2.3569% | 6,064 |
| Noninterest income to average assets | 0.5375% | 3,123 |
| Noninterest expense to average assets | 2.6763% | 3,667 |
| Loan and lease loss provision to assets | 0.1318% | 1,665 |
| Net operating income to assets | 0.0451% | 5,941 |
| Return on assets (ROA) | 0.0451% | 5,983 |
| Pretax return on assets | 0.0051% | 6,013 |
| Return on Equity (ROE) | 0.5937% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.5937% | 5,321 |
| Net charge-offs to loans | -0.0244% | 5,237 |
| Credit loss provision to net charge-offs | -968.7500% | 5,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1330% | 474 |
| Assets per employee ($millions) | 11.6906% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 3,698 |
| Loan loss allowance to noncurrent loans | 144.4251% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,690 |
| Noncurrent loans to loans | 0.8419% | 3,018 |
| Net loans and leases to total assets | 57.6074% | 4,154 |
| Net loans and leases to deposits | 62.5621% | 4,657 |
| Net loans and leases to core deposits | 76.0127% | 3,764 |
| Total domestic deposits to total assets | 92.0804% | 118 |
| Equity capital to assets | 7.6348% | 6,090 |
| Core capital (leverage) ratio | 7.4568% | 6,109 |
| Tier 1 risk-based capital ratio | 10.3034% | 5,993 |
| Total risk-based capital ratio | 11.2661% | 6,035 |
| Memoranda: | ||
| Average total assets | $235,179,670 | 2,654 |
| Average earning assets | $227,081,330 | 2,569 |
| Average equity | $17,854,330 | 3,442 |
| Average total loans | $131,061,000 | 2,890 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9094% | 5,984 |
| Cost of funding earning assets | 0.5520% | 1,824 |
| Net interest margin | 2.3574% | 6,116 |
| Noninterest income to average assets | 0.5325% | 3,072 |
| Noninterest expense to average assets | 2.7168% | 3,528 |
| Loan and lease loss provision to assets | 0.0068% | 3,623 |
| Net operating income to assets | 0.0916% | 5,892 |
| Return on assets (ROA) | 0.0916% | 5,949 |
| Pretax return on assets | 0.0831% | 5,966 |
| Return on Equity (ROE) | 1.2097% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.2097% | 5,001 |
| Net charge-offs to loans | -0.0093% | 4,690 |
| Credit loss provision to net charge-offs | -133.3333% | 4,538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7976% | 469 |
| Assets per employee ($millions) | 12.0322% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 4,206 |
| Loan loss allowance to noncurrent loans | 217.7843% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 4,819 |
| Noncurrent loans to loans | 0.5324% | 3,980 |
| Net loans and leases to total assets | 52.9188% | 4,558 |
| Net loans and leases to deposits | 57.3393% | 4,961 |
| Net loans and leases to core deposits | 68.8160% | 4,255 |
| Total domestic deposits to total assets | 92.2907% | 120 |
| Equity capital to assets | 7.4691% | 6,188 |
| Core capital (leverage) ratio | 7.5572% | 6,124 |
| Tier 1 risk-based capital ratio | 11.2278% | 5,698 |
| Total risk-based capital ratio | 12.1744% | 5,768 |
| Memoranda: | ||
| Average total assets | $235,863,500 | 2,667 |
| Average earning assets | $227,537,500 | 2,578 |
| Average equity | $17,856,000 | 3,470 |
| Average total loans | $128,416,000 | 2,938 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9661% | 6,082 |
| Cost of funding earning assets | 0.5769% | 1,985 |
| Net interest margin | 2.3893% | 6,235 |
| Noninterest income to average assets | 0.5441% | 3,212 |
| Noninterest expense to average assets | 2.1432% | 5,473 |
| Loan and lease loss provision to assets | -0.0496% | 6,034 |
| Net operating income to assets | 0.4820% | 4,882 |
| Return on assets (ROA) | 0.4820% | 4,973 |
| Pretax return on assets | 0.7058% | 4,604 |
| Return on Equity (ROE) | 6.3391% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.3391% | 1,738 |
| Net charge-offs to loans | -0.0144% | 5,636 |
| Credit loss provision to net charge-offs | 652.9412% | 405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5598% | 2,430 |
| Assets per employee ($millions) | 11.5542% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 4,212 |
| Loan loss allowance to noncurrent loans | 214.5743% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 4,836 |
| Noncurrent loans to loans | 0.5414% | 4,036 |
| Net loans and leases to total assets | 54.7444% | 4,485 |
| Net loans and leases to deposits | 59.4873% | 4,944 |
| Net loans and leases to core deposits | 72.4235% | 4,083 |
| Total domestic deposits to total assets | 92.0271% | 144 |
| Equity capital to assets | 7.6760% | 6,189 |
| Core capital (leverage) ratio | 7.8976% | 6,056 |
| Tier 1 risk-based capital ratio | 11.4978% | 5,665 |
| Total risk-based capital ratio | 12.4670% | 5,737 |
| Memoranda: | ||
| Average total assets | $223,875,200 | 2,744 |
| Average earning assets | $211,320,000 | 2,695 |
| Average equity | $17,021,400 | 3,522 |
| Average total loans | $118,305,600 | 3,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9886% | 6,148 |
| Cost of funding earning assets | 0.5838% | 1,983 |
| Net interest margin | 2.4049% | 6,294 |
| Noninterest income to average assets | 0.5506% | 3,199 |
| Noninterest expense to average assets | 2.1146% | 5,540 |
| Loan and lease loss provision to assets | -0.0036% | 6,068 |
| Net operating income to assets | 0.4791% | 4,950 |
| Return on assets (ROA) | 0.4791% | 5,032 |
| Pretax return on assets | 0.6976% | 4,705 |
| Return on Equity (ROE) | 6.3173% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.3173% | 2,206 |
| Net charge-offs to loans | -0.0173% | 5,575 |
| Credit loss provision to net charge-offs | 40.0000% | 3,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2886% | 2,620 |
| Assets per employee ($millions) | 13.2569% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 3,400 |
| Loan loss allowance to noncurrent loans | 227.1429% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 5,094 |
| Noncurrent loans to loans | 0.5943% | 4,150 |
| Net loans and leases to total assets | 48.6946% | 5,134 |
| Net loans and leases to deposits | 52.6658% | 5,494 |
| Net loans and leases to core deposits | 63.4887% | 4,929 |
| Total domestic deposits to total assets | 92.4597% | 112 |
| Equity capital to assets | 7.2604% | 6,346 |
| Core capital (leverage) ratio | 7.6350% | 6,235 |
| Tier 1 risk-based capital ratio | 13.3507% | 4,643 |
| Total risk-based capital ratio | 14.5785% | 4,590 |
| Memoranda: | ||
| Average total assets | $222,073,250 | 2,782 |
| Average earning assets | $208,517,250 | 2,739 |
| Average equity | $16,842,250 | 3,565 |
| Average total loans | $115,884,000 | 3,132 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0303% | 6,146 |
| Cost of funding earning assets | 0.6011% | 1,889 |
| Net interest margin | 2.4292% | 6,334 |
| Noninterest income to average assets | 0.5551% | 3,080 |
| Noninterest expense to average assets | 2.0798% | 5,668 |
| Loan and lease loss provision to assets | 0.0517% | 3,269 |
| Net operating income to assets | 0.4682% | 4,938 |
| Return on assets (ROA) | 0.4682% | 5,013 |
| Pretax return on assets | 0.6779% | 4,715 |
| Return on Equity (ROE) | 6.0787% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.0787% | 2,271 |
| Net charge-offs to loans | -0.0191% | 5,531 |
| Credit loss provision to net charge-offs | -509.0909% | 5,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0302% | 2,974 |
| Assets per employee ($millions) | 14.6791% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 3,281 |
| Loan loss allowance to noncurrent loans | 231.7862% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 5,087 |
| Noncurrent loans to loans | 0.6099% | 4,199 |
| Net loans and leases to total assets | 52.1927% | 4,728 |
| Net loans and leases to deposits | 56.8581% | 5,132 |
| Net loans and leases to core deposits | 70.2331% | 4,244 |
| Total domestic deposits to total assets | 91.7947% | 198 |
| Equity capital to assets | 7.7371% | 6,282 |
| Core capital (leverage) ratio | 7.9316% | 6,144 |
| Tier 1 risk-based capital ratio | 12.9436% | 4,949 |
| Total risk-based capital ratio | 14.1937% | 4,886 |
| Memoranda: | ||
| Average total assets | $216,556,330 | 2,853 |
| Average earning assets | $200,969,670 | 2,827 |
| Average equity | $16,681,330 | 3,584 |
| Average total loans | $115,249,670 | 3,148 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0733% | 6,153 |
| Cost of funding earning assets | 0.6317% | 1,716 |
| Net interest margin | 2.4416% | 6,384 |
| Noninterest income to average assets | 0.5700% | 2,916 |
| Noninterest expense to average assets | 2.1160% | 5,651 |
| Loan and lease loss provision to assets | -0.0130% | 6,407 |
| Net operating income to assets | 0.4862% | 4,755 |
| Return on assets (ROA) | 0.4862% | 4,830 |
| Pretax return on assets | 0.7060% | 4,471 |
| Return on Equity (ROE) | 6.3257% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.3257% | 2,365 |
| Net charge-offs to loans | -0.0279% | 5,518 |
| Credit loss provision to net charge-offs | 87.5000% | 1,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3316% | 2,900 |
| Assets per employee ($millions) | 14.2976% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3814% | 3,693 |
| Loan loss allowance to noncurrent loans | 779.3103% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,959 |
| Noncurrent loans to loans | 0.1773% | 5,563 |
| Net loans and leases to total assets | 52.6611% | 4,586 |
| Net loans and leases to deposits | 57.2905% | 5,007 |
| Net loans and leases to core deposits | 71.3927% | 3,935 |
| Total domestic deposits to total assets | 91.9194% | 264 |
| Equity capital to assets | 7.7738% | 6,195 |
| Core capital (leverage) ratio | 7.6532% | 6,285 |
| Tier 1 risk-based capital ratio | 13.0643% | 4,969 |
| Total risk-based capital ratio | 14.3024% | 4,907 |
| Memoranda: | ||
| Average total assets | $214,741,500 | 2,882 |
| Average earning assets | $196,922,500 | 2,883 |
| Average equity | $16,504,000 | 3,623 |
| Average total loans | $114,590,000 | 3,178 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9742% | 6,367 |
| Cost of funding earning assets | 0.7099% | 1,743 |
| Net interest margin | 2.2643% | 6,548 |
| Noninterest income to average assets | 0.5410% | 3,466 |
| Noninterest expense to average assets | 1.9591% | 6,090 |
| Loan and lease loss provision to assets | -0.0431% | 6,361 |
| Net operating income to assets | 0.4818% | 4,808 |
| Return on assets (ROA) | 0.4818% | 4,952 |
| Pretax return on assets | 0.6855% | 4,594 |
| Return on Equity (ROE) | 6.9197% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.9197% | 1,468 |
| Net charge-offs to loans | -0.1169% | 6,511 |
| Credit loss provision to net charge-offs | 78.6885% | 3,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3061% | 2,899 |
| Assets per employee ($millions) | 14.3346% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 3,751 |
| Loan loss allowance to noncurrent loans | 364.2857% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,688 |
| Noncurrent loans to loans | 0.3785% | 5,058 |
| Net loans and leases to total assets | 52.5898% | 4,775 |
| Net loans and leases to deposits | 57.1358% | 5,198 |
| Net loans and leases to core deposits | 73.9125% | 3,848 |
| Total domestic deposits to total assets | 92.0435% | 275 |
| Equity capital to assets | 7.5975% | 6,233 |
| Core capital (leverage) ratio | 7.6388% | 6,327 |
| Tier 1 risk-based capital ratio | 13.4128% | 4,712 |
| Total risk-based capital ratio | 14.6630% | 4,658 |
| Memoranda: | ||
| Average total assets | $222,903,200 | 2,782 |
| Average earning assets | $202,843,800 | 2,800 |
| Average equity | $15,520,800 | 3,781 |
| Average total loans | $104,323,400 | 3,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9645% | 6,453 |
| Cost of funding earning assets | 0.7401% | 1,666 |
| Net interest margin | 2.2243% | 6,632 |
| Noninterest income to average assets | 0.4980% | 3,820 |
| Noninterest expense to average assets | 1.8967% | 6,192 |
| Loan and lease loss provision to assets | 0.1316% | 2,639 |
| Net operating income to assets | 0.3492% | 5,436 |
| Return on assets (ROA) | 0.3492% | 5,564 |
| Pretax return on assets | 0.4654% | 5,458 |
| Return on Equity (ROE) | 5.1270% | 4,660 |
| Retained earnings to average equity (ytd only) | 5.1270% | 2,986 |
| Net charge-offs to loans | -0.1520% | 6,595 |
| Credit loss provision to net charge-offs | -191.3793% | 5,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0580% | 2,720 |
| Assets per employee ($millions) | 15.8201% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 2,689 |
| Loan loss allowance to noncurrent loans | 132.0084% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 4,494 |
| Noncurrent loans to loans | 1.2738% | 3,277 |
| Net loans and leases to total assets | 49.9738% | 5,135 |
| Net loans and leases to deposits | 54.0244% | 5,537 |
| Net loans and leases to core deposits | 69.4181% | 4,382 |
| Total domestic deposits to total assets | 92.5023% | 183 |
| Equity capital to assets | 7.1739% | 6,500 |
| Core capital (leverage) ratio | 6.9426% | 6,596 |
| Tier 1 risk-based capital ratio | 12.8374% | 5,233 |
| Total risk-based capital ratio | 14.0906% | 5,172 |
| Memoranda: | ||
| Average total assets | $224,874,250 | 2,786 |
| Average earning assets | $201,762,250 | 2,826 |
| Average equity | $15,317,000 | 3,856 |
| Average total loans | $101,739,500 | 3,435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9454% | 6,495 |
| Cost of funding earning assets | 0.7739% | 1,562 |
| Net interest margin | 2.1716% | 6,698 |
| Noninterest income to average assets | 0.4876% | 3,914 |
| Noninterest expense to average assets | 1.8716% | 6,267 |
| Loan and lease loss provision to assets | 0.0690% | 3,657 |
| Net operating income to assets | 0.3637% | 5,349 |
| Return on assets (ROA) | 0.3637% | 5,527 |
| Pretax return on assets | 0.4814% | 5,433 |
| Return on Equity (ROE) | 5.4342% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.4342% | 2,784 |
| Net charge-offs to loans | -0.2324% | 6,706 |
| Credit loss provision to net charge-offs | -68.4211% | 5,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2744% | 2,582 |
| Assets per employee ($millions) | 16.6946% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7811% | 2,497 |
| Loan loss allowance to noncurrent loans | 120.3997% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 4,680 |
| Noncurrent loans to loans | 1.4794% | 3,088 |
| Net loans and leases to total assets | 41.2178% | 5,952 |
| Net loans and leases to deposits | 44.2999% | 6,209 |
| Net loans and leases to core deposits | 57.3278% | 5,487 |
| Total domestic deposits to total assets | 93.0426% | 123 |
| Equity capital to assets | 6.7173% | 6,651 |
| Core capital (leverage) ratio | 6.9031% | 6,632 |
| Tier 1 risk-based capital ratio | 14.1433% | 4,331 |
| Total risk-based capital ratio | 15.3970% | 4,284 |
| Memoranda: | ||
| Average total assets | $226,005,000 | 2,782 |
| Average earning assets | $201,329,330 | 2,852 |
| Average equity | $15,126,330 | 3,920 |
| Average total loans | $98,127,330 | 3,540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 6,568 |
| Cost of funding earning assets | 0.7466% | 1,871 |
| Net interest margin | 2.1991% | 6,757 |
| Noninterest income to average assets | 0.5564% | 3,391 |
| Noninterest expense to average assets | 1.9069% | 6,265 |
| Loan and lease loss provision to assets | 0.0990% | 3,029 |
| Net operating income to assets | 0.3835% | 5,192 |
| Return on assets (ROA) | 0.3835% | 5,337 |
| Pretax return on assets | 0.4916% | 5,287 |
| Return on Equity (ROE) | 5.7414% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.7414% | 2,818 |
| Net charge-offs to loans | -0.0937% | 6,416 |
| Credit loss provision to net charge-offs | -239.1304% | 5,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3518% | 2,870 |
| Assets per employee ($millions) | 17.6592% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6135% | 3,339 |
| Loan loss allowance to noncurrent loans | 211.2549% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 5,157 |
| Noncurrent loans to loans | 0.7638% | 4,601 |
| Net loans and leases to total assets | 43.3748% | 5,722 |
| Net loans and leases to deposits | 46.5223% | 6,023 |
| Net loans and leases to core deposits | 60.1956% | 5,129 |
| Total domestic deposits to total assets | 93.2343% | 111 |
| Equity capital to assets | 6.5096% | 6,790 |
| Core capital (leverage) ratio | 6.6002% | 6,729 |
| Tier 1 risk-based capital ratio | 12.2595% | 5,749 |
| Total risk-based capital ratio | 13.5107% | 5,701 |
| Memoranda: | ||
| Average total assets | $222,145,500 | 2,847 |
| Average earning assets | $196,080,500 | 2,945 |
| Average equity | $14,839,500 | 4,028 |
| Average total loans | $98,149,500 | 3,558 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0782% | 6,736 |
| Cost of funding earning assets | 0.9855% | 1,430 |
| Net interest margin | 2.0927% | 6,903 |
| Noninterest income to average assets | 0.3990% | 4,617 |
| Noninterest expense to average assets | 2.2228% | 5,874 |
| Loan and lease loss provision to assets | -0.0905% | 6,917 |
| Net operating income to assets | 0.2047% | 5,775 |
| Return on assets (ROA) | 0.2047% | 5,954 |
| Pretax return on assets | 0.1953% | 5,999 |
| Return on Equity (ROE) | 2.8804% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.8804% | 4,213 |
| Net charge-offs to loans | -0.0440% | 6,682 |
| Credit loss provision to net charge-offs | 448.7805% | 538 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4978% | 730 |
| Assets per employee ($millions) | 16.5171% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,163 |
| Loan loss allowance to noncurrent loans | 199.8715% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7153% | 4,695 |
| Noncurrent loans to loans | 0.8182% | 4,550 |
| Net loans and leases to total assets | 43.5614% | 5,858 |
| Net loans and leases to deposits | 47.0070% | 6,175 |
| Net loans and leases to core deposits | 62.8184% | 5,079 |
| Total domestic deposits to total assets | 92.6701% | 160 |
| Equity capital to assets | 6.8624% | 6,798 |
| Core capital (leverage) ratio | 6.7231% | 6,753 |
| Tier 1 risk-based capital ratio | 13.3427% | 4,865 |
| Total risk-based capital ratio | 14.5952% | 4,818 |
| Memoranda: | ||
| Average total assets | $203,259,800 | 3,008 |
| Average earning assets | $187,318,600 | 2,998 |
| Average equity | $14,442,400 | 4,074 |
| Average total loans | $93,285,600 | 3,669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1003% | 6,851 |
| Cost of funding earning assets | 1.0425% | 1,321 |
| Net interest margin | 2.0579% | 7,019 |
| Noninterest income to average assets | 0.5536% | 3,587 |
| Noninterest expense to average assets | 2.2415% | 5,846 |
| Loan and lease loss provision to assets | -0.0885% | 7,028 |
| Net operating income to assets | 0.2555% | 5,768 |
| Return on assets (ROA) | 0.2555% | 5,959 |
| Pretax return on assets | 0.3180% | 5,921 |
| Return on Equity (ROE) | 3.5631% | 5,473 |
| Retained earnings to average equity (ytd only) | 3.5631% | 4,370 |
| Net charge-offs to loans | -0.0388% | 6,640 |
| Credit loss provision to net charge-offs | 492.5926% | 545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7108% | 988 |
| Assets per employee ($millions) | 15.2886% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 3,081 |
| Loan loss allowance to noncurrent loans | 65.5414% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.7511% | 2,976 |
| Noncurrent loans to loans | 2.6241% | 2,165 |
| Net loans and leases to total assets | 42.5023% | 6,084 |
| Net loans and leases to deposits | 45.8720% | 6,394 |
| Net loans and leases to core deposits | 63.5049% | 5,206 |
| Total domestic deposits to total assets | 92.6542% | 141 |
| Equity capital to assets | 6.8739% | 6,899 |
| Core capital (leverage) ratio | 6.6600% | 6,852 |
| Tier 1 risk-based capital ratio | 13.8663% | 4,637 |
| Total risk-based capital ratio | 15.1196% | 4,588 |
| Memoranda: | ||
| Average total assets | $200,394,250 | 3,070 |
| Average earning assets | $186,727,000 | 3,028 |
| Average equity | $14,369,250 | 4,129 |
| Average total loans | $92,834,250 | 3,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 6,906 |
| Cost of funding earning assets | 1.1291% | 1,100 |
| Net interest margin | 2.0275% | 7,098 |
| Noninterest income to average assets | 0.4708% | 4,125 |
| Noninterest expense to average assets | 2.2599% | 5,844 |
| Loan and lease loss provision to assets | -0.0020% | 7,017 |
| Net operating income to assets | 0.1215% | 6,110 |
| Return on assets (ROA) | 0.1215% | 6,275 |
| Pretax return on assets | 0.0980% | 6,333 |
| Return on Equity (ROE) | 1.6696% | 6,145 |
| Retained earnings to average equity (ytd only) | 1.6696% | 5,367 |
| Net charge-offs to loans | 0.2066% | 3,331 |
| Credit loss provision to net charge-offs | -2.0833% | 5,906 |
| Earnings coverage of net charge-offs (x) | 0.9792% | 4,542 |
| Efficiency ratio | 95.9254% | 707 |
| Assets per employee ($millions) | 16.2205% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 3,019 |
| Loan loss allowance to noncurrent loans | 58.9753% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 3,014 |
| Noncurrent loans to loans | 2.9706% | 2,005 |
| Net loans and leases to total assets | 42.5521% | 6,147 |
| Net loans and leases to deposits | 46.1142% | 6,429 |
| Net loans and leases to core deposits | 64.5790% | 5,148 |
| Total domestic deposits to total assets | 92.2757% | 190 |
| Equity capital to assets | 6.7887% | 6,943 |
| Core capital (leverage) ratio | 6.7515% | 6,877 |
| Tier 1 risk-based capital ratio | 13.9370% | 4,491 |
| Total risk-based capital ratio | 15.1907% | 4,464 |
| Memoranda: | ||
| Average total assets | $195,845,670 | 3,139 |
| Average earning assets | $182,094,670 | 3,099 |
| Average equity | $14,254,670 | 4,146 |
| Average total loans | $92,924,330 | 3,732 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2151% | 6,938 |
| Cost of funding earning assets | 1.2323% | 836 |
| Net interest margin | 1.9829% | 7,170 |
| Noninterest income to average assets | 0.2931% | 5,522 |
| Noninterest expense to average assets | 2.3426% | 5,656 |
| Loan and lease loss provision to assets | -0.1954% | 7,207 |
| Net operating income to assets | 0.0807% | 6,275 |
| Return on assets (ROA) | 0.0807% | 6,392 |
| Pretax return on assets | 0.0255% | 6,496 |
| Return on Equity (ROE) | 1.0686% | 6,334 |
| Retained earnings to average equity (ytd only) | 1.0686% | 5,651 |
| Net charge-offs to loans | -0.0128% | 6,021 |
| Credit loss provision to net charge-offs | 3,066.6667% | 92 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8201% | 376 |
| Assets per employee ($millions) | 15.3937% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 3,221 |
| Loan loss allowance to noncurrent loans | 55.8487% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.1782% | 2,710 |
| Noncurrent loans to loans | 3.1013% | 2,069 |
| Net loans and leases to total assets | 45.6171% | 5,828 |
| Net loans and leases to deposits | 49.3470% | 6,189 |
| Net loans and leases to core deposits | 66.8590% | 4,820 |
| Total domestic deposits to total assets | 92.4415% | 195 |
| Equity capital to assets | 7.1313% | 6,899 |
| Core capital (leverage) ratio | 7.2791% | 6,735 |
| Tier 1 risk-based capital ratio | 15.1132% | 3,679 |
| Total risk-based capital ratio | 16.3697% | 3,637 |
| Memoranda: | ||
| Average total assets | $188,335,500 | 3,254 |
| Average earning assets | $178,530,000 | 3,164 |
| Average equity | $14,224,500 | 4,156 |
| Average total loans | $93,722,500 | 3,742 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 4,764 |
| Cost of funding earning assets | 1.2976% | 1,496 |
| Net interest margin | 3.2797% | 5,875 |
| Noninterest income to average assets | 0.5744% | 3,337 |
| Noninterest expense to average assets | 2.7486% | 4,557 |
| Loan and lease loss provision to assets | 0.4450% | 2,374 |
| Net operating income to assets | 0.3585% | 5,039 |
| Return on assets (ROA) | 0.3585% | 5,204 |
| Pretax return on assets | 0.4606% | 5,099 |
| Return on Equity (ROE) | 3.9884% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.9884% | 3,356 |
| Net charge-offs to loans | 1.3970% | 1,167 |
| Credit loss provision to net charge-offs | 49.3863% | 5,435 |
| Earnings coverage of net charge-offs (x) | 1.0051% | 5,036 |
| Efficiency ratio | 74.8620% | 3,077 |
| Assets per employee ($millions) | 13.5810% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 2,880 |
| Loan loss allowance to noncurrent loans | 49.7364% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 2.8971% | 2,084 |
| Noncurrent loans to loans | 3.6109% | 1,767 |
| Net loans and leases to total assets | 52.5904% | 5,218 |
| Net loans and leases to deposits | 57.5147% | 5,754 |
| Net loans and leases to core deposits | 83.1490% | 3,001 |
| Total domestic deposits to total assets | 91.4383% | 347 |
| Equity capital to assets | 8.0304% | 6,553 |
| Core capital (leverage) ratio | 7.9500% | 6,311 |
| Tier 1 risk-based capital ratio | 14.8564% | 3,724 |
| Total risk-based capital ratio | 16.1135% | 3,692 |
| Memoranda: | ||
| Average total assets | $153,715,200 | 3,742 |
| Average earning assets | $144,340,600 | 3,668 |
| Average equity | $13,815,000 | 4,154 |
| Average total loans | $99,139,600 | 3,640 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 3,788 |
| Cost of funding earning assets | 1.3256% | 1,570 |
| Net interest margin | 3.5234% | 5,089 |
| Noninterest income to average assets | 0.6369% | 2,956 |
| Noninterest expense to average assets | 2.8286% | 4,243 |
| Loan and lease loss provision to assets | 0.3657% | 2,663 |
| Net operating income to assets | 0.5360% | 4,378 |
| Return on assets (ROA) | 0.5360% | 4,570 |
| Pretax return on assets | 0.7468% | 4,321 |
| Return on Equity (ROE) | 5.7804% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.7804% | 2,687 |
| Net charge-offs to loans | 1.5369% | 938 |
| Credit loss provision to net charge-offs | 35.1211% | 5,341 |
| Earnings coverage of net charge-offs (x) | 1.0683% | 4,831 |
| Efficiency ratio | 71.6800% | 3,622 |
| Assets per employee ($millions) | 13.4807% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,285 |
| Loan loss allowance to noncurrent loans | 36.4985% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 3.5687% | 1,757 |
| Noncurrent loans to loans | 4.6480% | 1,389 |
| Net loans and leases to total assets | 59.0685% | 4,309 |
| Net loans and leases to deposits | 65.0558% | 5,040 |
| Net loans and leases to core deposits | 91.5295% | 2,051 |
| Total domestic deposits to total assets | 90.7967% | 512 |
| Equity capital to assets | 8.7731% | 6,008 |
| Core capital (leverage) ratio | 9.2878% | 4,467 |
| Tier 1 risk-based capital ratio | 14.6417% | 3,879 |
| Total risk-based capital ratio | 15.8977% | 3,849 |
| Memoranda: | ||
| Average total assets | $148,005,750 | 3,859 |
| Average earning assets | $138,802,000 | 3,789 |
| Average equity | $13,724,250 | 4,182 |
| Average total loans | $100,287,500 | 3,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0936% | 2,713 |
| Cost of funding earning assets | 1.4141% | 1,356 |
| Net interest margin | 3.6795% | 4,360 |
| Noninterest income to average assets | 0.6680% | 2,726 |
| Noninterest expense to average assets | 2.9536% | 3,818 |
| Loan and lease loss provision to assets | 0.6540% | 1,473 |
| Net operating income to assets | 0.3849% | 5,021 |
| Return on assets (ROA) | 0.3849% | 5,158 |
| Pretax return on assets | 0.4964% | 5,083 |
| Return on Equity (ROE) | 4.0683% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.0683% | 3,612 |
| Net charge-offs to loans | 2.2879% | 554 |
| Credit loss provision to net charge-offs | 40.4659% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.7118% | 4,760 |
| Efficiency ratio | 71.8654% | 3,763 |
| Assets per employee ($millions) | 12.0047% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 3,251 |
| Loan loss allowance to noncurrent loans | 41.2802% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 3.5417% | 1,852 |
| Noncurrent loans to loans | 4.1744% | 1,635 |
| Net loans and leases to total assets | 67.6598% | 2,684 |
| Net loans and leases to deposits | 75.2817% | 3,599 |
| Net loans and leases to core deposits | 117.2957% | 497 |
| Total domestic deposits to total assets | 89.8755% | 1,029 |
| Equity capital to assets | 9.6213% | 4,632 |
| Core capital (leverage) ratio | 9.1160% | 4,540 |
| Tier 1 risk-based capital ratio | 13.9006% | 4,236 |
| Total risk-based capital ratio | 15.1564% | 4,204 |
| Memoranda: | ||
| Average total assets | $143,418,330 | 3,969 |
| Average earning assets | $133,933,000 | 3,910 |
| Average equity | $13,568,330 | 4,207 |
| Average total loans | $101,315,670 | 3,653 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0505% | 2,852 |
| Cost of funding earning assets | 1.4631% | 1,320 |
| Net interest margin | 3.5874% | 4,629 |
| Noninterest income to average assets | 0.7855% | 2,092 |
| Noninterest expense to average assets | 3.0161% | 3,576 |
| Loan and lease loss provision to assets | 1.5542% | 401 |
| Net operating income to assets | -0.1901% | 6,547 |
| Return on assets (ROA) | -0.1901% | 6,567 |
| Pretax return on assets | -0.4333% | 6,715 |
| Return on Equity (ROE) | -2.0264% | 6,585 |
| Retained earnings to average equity (ytd only) | -2.0264% | 6,147 |
| Net charge-offs to loans | 1.3518% | 1,025 |
| Credit loss provision to net charge-offs | 160.6936% | 1,796 |
| Earnings coverage of net charge-offs (x) | 1.1590% | 3,788 |
| Efficiency ratio | 72.7703% | 3,719 |
| Assets per employee ($millions) | 12.0548% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5449% | 1,398 |
| Loan loss allowance to noncurrent loans | 49.4316% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 4.5500% | 1,420 |
| Noncurrent loans to loans | 5.1484% | 1,302 |
| Net loans and leases to total assets | 69.0650% | 2,310 |
| Net loans and leases to deposits | 76.4723% | 3,340 |
| Net loans and leases to core deposits | 118.4053% | 464 |
| Total domestic deposits to total assets | 90.3137% | 956 |
| Equity capital to assets | 9.2577% | 4,803 |
| Core capital (leverage) ratio | 8.7992% | 4,932 |
| Tier 1 risk-based capital ratio | 13.3366% | 4,551 |
| Total risk-based capital ratio | 14.6033% | 4,521 |
| Memoranda: | ||
| Average total assets | $143,099,500 | 4,011 |
| Average earning assets | $133,691,000 | 3,940 |
| Average equity | $13,422,500 | 4,236 |
| Average total loans | $102,385,000 | 3,656 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 6,649 |
| Cost of funding earning assets | 1.6263% | 1,923 |
| Net interest margin | 2.7551% | 7,081 |
| Noninterest income to average assets | 0.6346% | 3,250 |
| Noninterest expense to average assets | 3.9515% | 1,236 |
| Loan and lease loss provision to assets | 0.8541% | 1,917 |
| Net operating income to assets | -1.5734% | 6,928 |
| Return on assets (ROA) | -1.5734% | 6,954 |
| Pretax return on assets | -1.5716% | 6,881 |
| Return on Equity (ROE) | -17.9986% | 6,998 |
| Retained earnings to average equity (ytd only) | -17.9986% | 6,969 |
| Net charge-offs to loans | 0.7485% | 2,770 |
| Credit loss provision to net charge-offs | 177.7919% | 1,867 |
| Earnings coverage of net charge-offs (x) | -1.4937% | 6,674 |
| Efficiency ratio | 71.3666% | 3,918 |
| Assets per employee ($millions) | 11.7951% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3461% | 1,618 |
| Loan loss allowance to noncurrent loans | 60.2764% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 3.7664% | 1,821 |
| Noncurrent loans to loans | 3.8923% | 1,882 |
| Net loans and leases to total assets | 70.5478% | 2,402 |
| Net loans and leases to deposits | 79.5301% | 3,252 |
| Net loans and leases to core deposits | 116.3325% | 631 |
| Total domestic deposits to total assets | 88.7057% | 1,820 |
| Equity capital to assets | 9.5047% | 4,399 |
| Core capital (leverage) ratio | 8.3013% | 5,686 |
| Tier 1 risk-based capital ratio | 13.3591% | 4,320 |
| Total risk-based capital ratio | 14.6231% | 4,272 |
| Memoranda: | ||
| Average total assets | $164,040,600 | 3,633 |
| Average earning assets | $154,765,400 | 3,553 |
| Average equity | $14,340,000 | 4,061 |
| Average total loans | $105,280,800 | 3,647 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 7,030 |
| Cost of funding earning assets | 1.6262% | 2,241 |
| Net interest margin | 2.6231% | 7,296 |
| Noninterest income to average assets | 0.6719% | 3,003 |
| Noninterest expense to average assets | 4.4329% | 642 |
| Loan and lease loss provision to assets | 0.6868% | 2,223 |
| Net operating income to assets | -1.9976% | 7,240 |
| Return on assets (ROA) | -1.9976% | 7,254 |
| Pretax return on assets | -1.9646% | 7,189 |
| Return on Equity (ROE) | -23.2750% | 7,278 |
| Retained earnings to average equity (ytd only) | -23.2750% | 7,268 |
| Net charge-offs to loans | 0.6903% | 2,699 |
| Credit loss provision to net charge-offs | 159.1985% | 2,388 |
| Earnings coverage of net charge-offs (x) | -2.9618% | 6,562 |
| Efficiency ratio | 73.3748% | 3,445 |
| Assets per employee ($millions) | 13.0805% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,370 |
| Loan loss allowance to noncurrent loans | 52.1879% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.7345% | 2,648 |
| Noncurrent loans to loans | 3.7240% | 2,089 |
| Net loans and leases to total assets | 62.6344% | 4,399 |
| Net loans and leases to deposits | 69.3827% | 5,228 |
| Net loans and leases to core deposits | 102.6039% | 1,591 |
| Total domestic deposits to total assets | 90.2739% | 738 |
| Equity capital to assets | 7.9596% | 6,832 |
| Core capital (leverage) ratio | 8.7731% | 5,057 |
| Tier 1 risk-based capital ratio | 12.4283% | 5,055 |
| Total risk-based capital ratio | 13.6874% | 5,011 |
| Memoranda: | ||
| Average total assets | $169,665,500 | 3,590 |
| Average earning assets | $160,618,250 | 3,485 |
| Average equity | $14,561,750 | 4,085 |
| Average total loans | $106,037,750 | 3,682 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 7,187 |
| Cost of funding earning assets | 1.6884% | 2,177 |
| Net interest margin | 2.5008% | 7,419 |
| Noninterest income to average assets | 0.6547% | 2,986 |
| Noninterest expense to average assets | 5.4737% | 278 |
| Loan and lease loss provision to assets | 0.9732% | 1,494 |
| Net operating income to assets | -3.3054% | 7,548 |
| Return on assets (ROA) | -3.3054% | 7,553 |
| Pretax return on assets | -3.4317% | 7,538 |
| Return on Equity (ROE) | -37.6006% | 7,514 |
| Retained earnings to average equity (ytd only) | -37.6006% | 7,504 |
| Net charge-offs to loans | 0.6770% | 2,525 |
| Credit loss provision to net charge-offs | 231.7416% | 1,665 |
| Earnings coverage of net charge-offs (x) | -5.8539% | 6,291 |
| Efficiency ratio | 76.1737% | 3,042 |
| Assets per employee ($millions) | 11.6914% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 1,823 |
| Loan loss allowance to noncurrent loans | 54.6534% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 3.1266% | 2,263 |
| Noncurrent loans to loans | 3.9740% | 1,916 |
| Net loans and leases to total assets | 66.8276% | 3,657 |
| Net loans and leases to deposits | 77.9748% | 3,968 |
| Net loans and leases to core deposits | 107.2330% | 1,358 |
| Total domestic deposits to total assets | 85.7041% | 3,260 |
| Equity capital to assets | 8.6882% | 5,900 |
| Core capital (leverage) ratio | 7.8197% | 6,476 |
| Tier 1 risk-based capital ratio | 13.0130% | 4,426 |
| Total risk-based capital ratio | 14.2753% | 4,369 |
| Memoranda: | ||
| Average total assets | $169,538,330 | 3,604 |
| Average earning assets | $160,029,670 | 3,512 |
| Average equity | $14,904,000 | 4,010 |
| Average total loans | $105,177,330 | 3,737 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 7,527 |
| Cost of funding earning assets | 1.6526% | 2,632 |
| Net interest margin | 2.2375% | 7,630 |
| Noninterest income to average assets | 0.5384% | 3,745 |
| Noninterest expense to average assets | 2.6156% | 5,287 |
| Loan and lease loss provision to assets | 1.2719% | 956 |
| Net operating income to assets | -0.7425% | 6,981 |
| Return on assets (ROA) | -0.7425% | 7,006 |
| Pretax return on assets | -1.2383% | 7,164 |
| Return on Equity (ROE) | -8.4045% | 7,071 |
| Retained earnings to average equity (ytd only) | -8.4045% | 6,858 |
| Net charge-offs to loans | 0.4459% | 2,714 |
| Credit loss provision to net charge-offs | 480.5085% | 879 |
| Earnings coverage of net charge-offs (x) | 0.1271% | 4,917 |
| Efficiency ratio | 98.5605% | 899 |
| Assets per employee ($millions) | 13.1852% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 1,995 |
| Loan loss allowance to noncurrent loans | 45.1698% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.0261% | 2,368 |
| Noncurrent loans to loans | 4.6048% | 1,616 |
| Net loans and leases to total assets | 61.3845% | 4,877 |
| Net loans and leases to deposits | 71.6441% | 5,102 |
| Net loans and leases to core deposits | 93.4665% | 2,908 |
| Total domestic deposits to total assets | 85.6798% | 3,331 |
| Equity capital to assets | 9.1011% | 5,132 |
| Core capital (leverage) ratio | 7.7461% | 6,573 |
| Tier 1 risk-based capital ratio | 12.7987% | 4,480 |
| Total risk-based capital ratio | 14.0611% | 4,441 |
| Memoranda: | ||
| Average total assets | $178,313,500 | 3,518 |
| Average earning assets | $168,220,500 | 3,429 |
| Average equity | $15,753,500 | 3,876 |
| Average total loans | $105,853,500 | 3,780 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 7,306 |
| Cost of funding earning assets | 2.2769% | 1,744 |
| Net interest margin | 2.3018% | 7,591 |
| Noninterest income to average assets | 0.6722% | 3,139 |
| Noninterest expense to average assets | 2.4373% | 6,345 |
| Loan and lease loss provision to assets | 0.8774% | 2,554 |
| Net operating income to assets | -0.2743% | 5,936 |
| Return on assets (ROA) | -0.2743% | 5,934 |
| Pretax return on assets | -0.4885% | 5,999 |
| Return on Equity (ROE) | -2.6337% | 5,940 |
| Retained earnings to average equity (ytd only) | -2.6337% | 5,637 |
| Net charge-offs to loans | 1.1852% | 2,070 |
| Credit loss provision to net charge-offs | 109.8865% | 5,010 |
| Earnings coverage of net charge-offs (x) | 0.4870% | 5,621 |
| Efficiency ratio | 86.0119% | 2,110 |
| Assets per employee ($millions) | 13.2299% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 2,857 |
| Loan loss allowance to noncurrent loans | 42.3524% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 2.3934% | 2,909 |
| Noncurrent loans to loans | 4.0449% | 1,836 |
| Net loans and leases to total assets | 55.3226% | 6,043 |
| Net loans and leases to deposits | 63.7584% | 6,301 |
| Net loans and leases to core deposits | 70.6925% | 6,729 |
| Total domestic deposits to total assets | 86.7692% | 2,626 |
| Equity capital to assets | 8.5882% | 5,741 |
| Core capital (leverage) ratio | 8.1343% | 5,940 |
| Tier 1 risk-based capital ratio | 13.4356% | 3,863 |
| Total risk-based capital ratio | 14.6928% | 3,804 |
| Memoranda: | ||
| Average total assets | $154,556,200 | 3,887 |
| Average earning assets | $144,625,600 | 3,802 |
| Average equity | $16,099,200 | 3,853 |
| Average total loans | $104,121,000 | 3,833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8499% | 7,012 |
| Cost of funding earning assets | 2.4118% | 1,592 |
| Net interest margin | 2.4381% | 7,531 |
| Noninterest income to average assets | 0.7107% | 2,946 |
| Noninterest expense to average assets | 2.5506% | 5,892 |
| Loan and lease loss provision to assets | 1.0012% | 1,920 |
| Net operating income to assets | -0.3249% | 6,235 |
| Return on assets (ROA) | -0.3249% | 6,250 |
| Pretax return on assets | -0.5691% | 6,366 |
| Return on Equity (ROE) | -2.9560% | 6,238 |
| Retained earnings to average equity (ytd only) | -2.9560% | 5,929 |
| Net charge-offs to loans | 1.0632% | 1,868 |
| Credit loss provision to net charge-offs | 132.8916% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.5735% | 5,459 |
| Efficiency ratio | 85.2708% | 2,151 |
| Assets per employee ($millions) | 10.9025% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,183 |
| Loan loss allowance to noncurrent loans | 43.8434% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 2.8945% | 2,397 |
| Noncurrent loans to loans | 4.1885% | 1,726 |
| Net loans and leases to total assets | 67.8370% | 3,994 |
| Net loans and leases to deposits | 81.1319% | 4,179 |
| Net loans and leases to core deposits | 99.9141% | 4,381 |
| Total domestic deposits to total assets | 83.6132% | 3,895 |
| Equity capital to assets | 10.4766% | 3,541 |
| Core capital (leverage) ratio | 9.0264% | 4,607 |
| Tier 1 risk-based capital ratio | 13.2461% | 4,023 |
| Total risk-based capital ratio | 14.5044% | 3,962 |
| Memoranda: | ||
| Average total assets | $146,890,500 | 4,021 |
| Average earning assets | $136,879,250 | 3,987 |
| Average equity | $16,147,250 | 3,879 |
| Average total loans | $104,087,750 | 3,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 6,919 |
| Cost of funding earning assets | 2.4777% | 1,692 |
| Net interest margin | 2.4733% | 7,509 |
| Noninterest income to average assets | 0.7270% | 2,828 |
| Noninterest expense to average assets | 2.6349% | 5,606 |
| Loan and lease loss provision to assets | 0.7753% | 2,141 |
| Net operating income to assets | -0.2111% | 6,211 |
| Return on assets (ROA) | -0.2111% | 6,227 |
| Pretax return on assets | -0.3835% | 6,308 |
| Return on Equity (ROE) | -1.8890% | 6,205 |
| Retained earnings to average equity (ytd only) | -1.8890% | 5,708 |
| Net charge-offs to loans | 0.7103% | 2,278 |
| Credit loss provision to net charge-offs | 152.7174% | 3,011 |
| Earnings coverage of net charge-offs (x) | 0.7717% | 4,958 |
| Efficiency ratio | 86.8277% | 2,139 |
| Assets per employee ($millions) | 10.6929% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 2,341 |
| Loan loss allowance to noncurrent loans | 36.3103% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 3.4182% | 1,832 |
| Noncurrent loans to loans | 4.6870% | 1,349 |
| Net loans and leases to total assets | 71.6880% | 3,301 |
| Net loans and leases to deposits | 85.9382% | 3,564 |
| Net loans and leases to core deposits | 109.2986% | 3,459 |
| Total domestic deposits to total assets | 83.4182% | 4,054 |
| Equity capital to assets | 10.7729% | 3,141 |
| Core capital (leverage) ratio | 9.0348% | 4,573 |
| Tier 1 risk-based capital ratio | 12.8626% | 4,236 |
| Total risk-based capital ratio | 14.1208% | 4,145 |
| Memoranda: | ||
| Average total assets | $144,975,670 | 4,085 |
| Average earning assets | $134,802,000 | 4,053 |
| Average equity | $16,199,330 | 3,883 |
| Average total loans | $103,623,670 | 3,922 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8180% | 7,341 |
| Cost of funding earning assets | 2.5329% | 1,790 |
| Net interest margin | 2.2851% | 7,730 |
| Noninterest income to average assets | 0.7545% | 2,573 |
| Noninterest expense to average assets | 2.5636% | 5,593 |
| Loan and lease loss provision to assets | 0.2749% | 3,767 |
| Net operating income to assets | 0.0393% | 6,166 |
| Return on assets (ROA) | 0.0393% | 6,311 |
| Pretax return on assets | 0.0365% | 6,309 |
| Return on Equity (ROE) | 0.3449% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.3449% | 5,522 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8780% | 1,818 |
| Assets per employee ($millions) | 10.1046% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7167% | 2,087 |
| Loan loss allowance to noncurrent loans | 31.0758% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 3.7409% | 1,414 |
| Noncurrent loans to loans | 5.5241% | 922 |
| Net loans and leases to total assets | 66.5565% | 4,453 |
| Net loans and leases to deposits | 79.9345% | 4,627 |
| Net loans and leases to core deposits | 108.8137% | 3,581 |
| Total domestic deposits to total assets | 83.2637% | 4,012 |
| Equity capital to assets | 10.7410% | 3,247 |
| Core capital (leverage) ratio | 9.5776% | 3,898 |
| Tier 1 risk-based capital ratio | 13.0493% | 4,160 |
| Total risk-based capital ratio | 14.3053% | 4,069 |
| Memoranda: | ||
| Average total assets | $142,613,500 | 4,135 |
| Average earning assets | $132,337,500 | 4,101 |
| Average equity | $16,235,500 | 3,898 |
| Average total loans | $100,848,000 | 4,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8878% | 6,098 |
| Cost of funding earning assets | 2.8159% | 2,643 |
| Net interest margin | 3.0719% | 6,737 |
| Noninterest income to average assets | 0.7173% | 3,007 |
| Noninterest expense to average assets | 2.5807% | 5,714 |
| Loan and lease loss provision to assets | 0.1628% | 5,297 |
| Net operating income to assets | 0.4955% | 4,757 |
| Return on assets (ROA) | 0.4955% | 4,595 |
| Pretax return on assets | 0.7646% | 4,198 |
| Return on Equity (ROE) | 4.8530% | 4,450 |
| Retained earnings to average equity (ytd only) | 4.8530% | 2,109 |
| Net charge-offs to loans | 0.4316% | 2,665 |
| Credit loss provision to net charge-offs | 49.4118% | 6,356 |
| Earnings coverage of net charge-offs (x) | 2.8141% | 4,674 |
| Efficiency ratio | 73.2980% | 3,691 |
| Assets per employee ($millions) | 8.9105% | 356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 1,966 |
| Loan loss allowance to noncurrent loans | 38.6887% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 3.2179% | 1,420 |
| Noncurrent loans to loans | 4.3420% | 1,106 |
| Net loans and leases to total assets | 72.8658% | 3,394 |
| Net loans and leases to deposits | 89.3848% | 3,554 |
| Net loans and leases to core deposits | 122.6093% | 2,438 |
| Total domestic deposits to total assets | 81.5193% | 4,400 |
| Equity capital to assets | 12.1138% | 2,217 |
| Core capital (leverage) ratio | 10.6112% | 2,895 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,609 |
| Total risk-based capital ratio | 15.1319% | 3,525 |
| Memoranda: | ||
| Average total assets | $128,958,400 | 4,309 |
| Average earning assets | $117,157,200 | 4,333 |
| Average equity | $13,167,000 | 4,528 |
| Average total loans | $98,469,800 | 3,993 |