Home > First City Bank of Florida > Performance and Condition Ratios
First City Bank of Florida, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,365 |
| Cost of funding earning assets | 0.4716% | 3,414 |
| Net interest margin | 3.7409% | 1,793 |
| Noninterest income to average assets | 0.2769% | 3,822 |
| Noninterest expense to average assets | 4.4840% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -1.4579% | 4,973 |
| Return on assets (ROA) | -1.4579% | 4,973 |
| Pretax return on assets | -1.4579% | 4,964 |
| Return on Equity (ROE) | -68.6361% | 5,028 |
| Retained earnings to average equity (ytd only) | -68.6361% | 5,023 |
| Net charge-offs to loans | 0.7834% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -3.7370% | 3,179 |
| Efficiency ratio | 148.1766% | 41 |
| Assets per employee ($millions) | 4.1384% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3655% | 277 |
| Loan loss allowance to noncurrent loans | 143.5435% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 12.7052% | 6 |
| Noncurrent loans to loans | 1.6479% | 843 |
| Net loans and leases to total assets | 43.3402% | 4,442 |
| Net loans and leases to deposits | 44.1913% | 4,654 |
| Net loans and leases to core deposits | 44.1913% | 4,707 |
| Total domestic deposits to total assets | 98.0742% | 2 |
| Equity capital to assets | 1.5480% | 5,032 |
| Core capital (leverage) ratio | 1.4129% | 5,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 3.7366% | 3,127 |
| Memoranda: | ||
| Average total assets | $137,730,250 | 3,534 |
| Average earning assets | $101,219,750 | 3,874 |
| Average equity | $2,925,500 | 4,939 |
| Average total loans | $68,591,250 | 3,779 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 2,206 |
| Cost of funding earning assets | 0.5483% | 3,247 |
| Net interest margin | 3.8537% | 1,685 |
| Noninterest income to average assets | 0.3968% | 3,096 |
| Noninterest expense to average assets | 4.3122% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -1.1164% | 4,972 |
| Return on assets (ROA) | -1.1164% | 4,970 |
| Pretax return on assets | -1.1164% | 4,959 |
| Return on Equity (ROE) | -48.2478% | 5,058 |
| Retained earnings to average equity (ytd only) | -48.2478% | 5,049 |
| Net charge-offs to loans | 1.1481% | 121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -1.8851% | 2,960 |
| Efficiency ratio | 134.9343% | 57 |
| Assets per employee ($millions) | 3.7416% | 4,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 333 |
| Loan loss allowance to noncurrent loans | 52.0029% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 17.1836% | 2 |
| Noncurrent loans to loans | 4.2329% | 148 |
| Net loans and leases to total assets | 47.1017% | 4,308 |
| Net loans and leases to deposits | 48.2982% | 4,586 |
| Net loans and leases to core deposits | 48.5310% | 4,652 |
| Total domestic deposits to total assets | 97.5226% | 2 |
| Equity capital to assets | 2.1262% | 5,065 |
| Core capital (leverage) ratio | 1.9351% | 5,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 4.3293% | 3,210 |
| Memoranda: | ||
| Average total assets | $138,118,333 | 3,501 |
| Average earning assets | $100,319,000 | 3,875 |
| Average equity | $3,196,000 | 4,960 |
| Average total loans | $71,247,667 | 3,726 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 1,361 |
| Cost of funding earning assets | 0.6960% | 2,951 |
| Net interest margin | 4.1288% | 1,076 |
| Noninterest income to average assets | 0.4691% | 2,703 |
| Noninterest expense to average assets | 4.5456% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -1.0556% | 4,995 |
| Return on assets (ROA) | -1.0556% | 4,976 |
| Pretax return on assets | -1.0556% | 4,962 |
| Return on Equity (ROE) | -43.9024% | 5,100 |
| Retained earnings to average equity (ytd only) | -43.9024% | 5,079 |
| Net charge-offs to loans | -0.2096% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.2459% | 81 |
| Assets per employee ($millions) | 3.7366% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7054% | 192 |
| Loan loss allowance to noncurrent loans | 39.5781% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 19.7730% | 2 |
| Noncurrent loans to loans | 6.8356% | 61 |
| Net loans and leases to total assets | 48.7993% | 4,301 |
| Net loans and leases to deposits | 54.1725% | 4,436 |
| Net loans and leases to core deposits | 54.4480% | 4,552 |
| Total domestic deposits to total assets | 90.0813% | 296 |
| Equity capital to assets | 2.3630% | 5,114 |
| Core capital (leverage) ratio | 2.1970% | 5,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 4.5240% | 3,401 |
| Memoranda: | ||
| Average total assets | $139,828,500 | 3,459 |
| Average earning assets | $102,306,000 | 3,848 |
| Average equity | $3,362,000 | 4,996 |
| Average total loans | $74,435,000 | 3,678 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0656% | 1,299 |
| Cost of funding earning assets | 0.7748% | 2,802 |
| Net interest margin | 4.2908% | 1,109 |
| Noninterest income to average assets | 0.3700% | 3,488 |
| Noninterest expense to average assets | 4.1200% | 461 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.4753% | 5,050 |
| Return on assets (ROA) | -0.4753% | 5,057 |
| Pretax return on assets | -0.4753% | 5,051 |
| Return on Equity (ROE) | -19.3288% | 5,150 |
| Retained earnings to average equity (ytd only) | -19.3288% | 5,133 |
| Net charge-offs to loans | 0.8197% | 202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -0.9596% | 3,654 |
| Efficiency ratio | 113.0419% | 93 |
| Assets per employee ($millions) | 3.3667% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3099% | 283 |
| Loan loss allowance to noncurrent loans | 34.9505% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 17.7273% | 3 |
| Noncurrent loans to loans | 6.6091% | 55 |
| Net loans and leases to total assets | 54.9423% | 4,006 |
| Net loans and leases to deposits | 60.9037% | 4,248 |
| Net loans and leases to core deposits | 61.4165% | 4,370 |
| Total domestic deposits to total assets | 90.2117% | 259 |
| Equity capital to assets | 2.4448% | 5,175 |
| Core capital (leverage) ratio | 2.4181% | 5,175 |
| Tier 1 risk-based capital ratio | 3.4110% | 5,175 |
| Total risk-based capital ratio | 4.6678% | 5,175 |
| Memoranda: | ||
| Average total assets | $149,998,800 | 3,298 |
| Average earning assets | $114,478,600 | 3,639 |
| Average equity | $3,688,800 | 5,021 |
| Average total loans | $90,643,800 | 3,380 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1045% | 1,275 |
| Cost of funding earning assets | 0.7907% | 2,761 |
| Net interest margin | 4.3138% | 1,137 |
| Noninterest income to average assets | 0.3172% | 3,855 |
| Noninterest expense to average assets | 4.1124% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.5012% | 5,137 |
| Return on assets (ROA) | -0.5012% | 5,145 |
| Pretax return on assets | -0.5012% | 5,139 |
| Return on Equity (ROE) | -20.3170% | 5,229 |
| Retained earnings to average equity (ytd only) | -20.3170% | 5,210 |
| Net charge-offs to loans | 0.1655% | 1,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -4.9311% | 3,422 |
| Efficiency ratio | 113.8801% | 96 |
| Assets per employee ($millions) | 3.4790% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9156% | 140 |
| Loan loss allowance to noncurrent loans | 39.6078% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 18.6855% | 4 |
| Noncurrent loans to loans | 7.3613% | 49 |
| Net loans and leases to total assets | 56.1501% | 4,037 |
| Net loans and leases to deposits | 62.1980% | 4,278 |
| Net loans and leases to core deposits | 63.3472% | 4,410 |
| Total domestic deposits to total assets | 90.2764% | 221 |
| Equity capital to assets | 2.4576% | 5,253 |
| Core capital (leverage) ratio | 2.4207% | 5,253 |
| Tier 1 risk-based capital ratio | 3.3696% | 5,253 |
| Total risk-based capital ratio | 4.6320% | 5,253 |
| Memoranda: | ||
| Average total assets | $152,155,000 | 3,301 |
| Average earning assets | $116,182,500 | 3,652 |
| Average equity | $3,753,750 | 5,088 |
| Average total loans | $93,423,000 | 3,368 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0309% | 1,396 |
| Cost of funding earning assets | 0.7968% | 2,660 |
| Net interest margin | 4.2342% | 1,279 |
| Noninterest income to average assets | 0.2608% | 4,193 |
| Noninterest expense to average assets | 4.1332% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.6253% | 5,198 |
| Return on assets (ROA) | -0.6253% | 5,204 |
| Pretax return on assets | -0.6253% | 5,199 |
| Return on Equity (ROE) | -25.3151% | 5,284 |
| Retained earnings to average equity (ytd only) | -25.3151% | 5,260 |
| Net charge-offs to loans | 0.0768% | 1,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | -13.0270% | 3,151 |
| Efficiency ratio | 117.8254% | 79 |
| Assets per employee ($millions) | 3.6362% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7235% | 174 |
| Loan loss allowance to noncurrent loans | 26.6283% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 19.9653% | 2 |
| Noncurrent loans to loans | 10.2280% | 28 |
| Net loans and leases to total assets | 60.9240% | 3,663 |
| Net loans and leases to deposits | 67.3294% | 4,006 |
| Net loans and leases to core deposits | 68.5453% | 4,183 |
| Total domestic deposits to total assets | 90.4866% | 194 |
| Equity capital to assets | 2.4463% | 5,302 |
| Core capital (leverage) ratio | 2.4157% | 5,301 |
| Tier 1 risk-based capital ratio | 3.2103% | 5,302 |
| Total risk-based capital ratio | 4.4719% | 5,302 |
| Memoranda: | ||
| Average total assets | $154,167,000 | 3,300 |
| Average earning assets | $118,228,670 | 3,643 |
| Average equity | $3,808,000 | 5,121 |
| Average total loans | $96,394,000 | 3,333 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 1,642 |
| Cost of funding earning assets | 0.7944% | 2,566 |
| Net interest margin | 4.0885% | 1,579 |
| Noninterest income to average assets | 0.3548% | 3,481 |
| Noninterest expense to average assets | 4.0177% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.5233% | 5,254 |
| Return on assets (ROA) | -0.5233% | 5,250 |
| Pretax return on assets | -0.5233% | 5,245 |
| Return on Equity (ROE) | -21.0878% | 5,335 |
| Retained earnings to average equity (ytd only) | -21.0878% | 5,263 |
| Net charge-offs to loans | -0.4698% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9744% | 89 |
| Assets per employee ($millions) | 3.8871% | 4,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8081% | 163 |
| Loan loss allowance to noncurrent loans | 28.6124% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 20.0395% | 3 |
| Noncurrent loans to loans | 9.8142% | 28 |
| Net loans and leases to total assets | 59.9924% | 3,711 |
| Net loans and leases to deposits | 66.0389% | 4,049 |
| Net loans and leases to core deposits | 67.1751% | 4,222 |
| Total domestic deposits to total assets | 90.8440% | 201 |
| Equity capital to assets | 2.4607% | 5,360 |
| Core capital (leverage) ratio | 2.5378% | 5,360 |
| Tier 1 risk-based capital ratio | 3.3395% | 5,361 |
| Total risk-based capital ratio | 4.6020% | 5,361 |
| Memoranda: | ||
| Average total assets | $156,708,500 | 3,324 |
| Average earning assets | $120,337,500 | 3,653 |
| Average equity | $3,888,500 | 5,164 |
| Average total loans | $97,905,500 | 3,351 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 3,107 |
| Cost of funding earning assets | 0.8061% | 1,493 |
| Net interest margin | 3.4945% | 3,721 |
| Noninterest income to average assets | 0.7464% | 1,661 |
| Noninterest expense to average assets | 3.8420% | 653 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.5202% | 5,319 |
| Return on assets (ROA) | -0.5352% | 5,312 |
| Pretax return on assets | -0.3787% | 5,300 |
| Return on Equity (ROE) | -21.7016% | 5,381 |
| Retained earnings to average equity (ytd only) | -21.7016% | 5,376 |
| Net charge-offs to loans | 0.1408% | 1,347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -4.1854% | 3,741 |
| Efficiency ratio | 110.4567% | 82 |
| Assets per employee ($millions) | 3.9484% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 209 |
| Loan loss allowance to noncurrent loans | 24.7363% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 19.9482% | 3 |
| Noncurrent loans to loans | 10.4469% | 24 |
| Net loans and leases to total assets | 61.5814% | 3,609 |
| Net loans and leases to deposits | 67.7478% | 3,997 |
| Net loans and leases to core deposits | 69.0606% | 4,171 |
| Total domestic deposits to total assets | 90.8981% | 230 |
| Equity capital to assets | 2.5017% | 5,404 |
| Core capital (leverage) ratio | 2.5409% | 5,405 |
| Tier 1 risk-based capital ratio | 3.4169% | 5,406 |
| Total risk-based capital ratio | 4.6776% | 5,406 |
| Memoranda: | ||
| Average total assets | $173,765,600 | 3,127 |
| Average earning assets | $135,842,000 | 3,414 |
| Average equity | $4,285,400 | 5,142 |
| Average total loans | $107,206,600 | 3,185 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 3,176 |
| Cost of funding earning assets | 0.7933% | 1,375 |
| Net interest margin | 3.4460% | 3,871 |
| Noninterest income to average assets | 0.7787% | 1,544 |
| Noninterest expense to average assets | 3.8516% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.5754% | 5,395 |
| Return on assets (ROA) | -0.5949% | 5,394 |
| Pretax return on assets | -0.3909% | 5,371 |
| Return on Equity (ROE) | -24.2003% | 5,456 |
| Retained earnings to average equity (ytd only) | -24.2003% | 5,445 |
| Net charge-offs to loans | -0.0929% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6704% | 79 |
| Assets per employee ($millions) | 3.9813% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7403% | 181 |
| Loan loss allowance to noncurrent loans | 22.1128% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 20.2255% | 3 |
| Noncurrent loans to loans | 12.3925% | 16 |
| Net loans and leases to total assets | 59.5796% | 3,893 |
| Net loans and leases to deposits | 65.3868% | 4,247 |
| Net loans and leases to core deposits | 67.6977% | 4,308 |
| Total domestic deposits to total assets | 91.1186% | 192 |
| Equity capital to assets | 2.3915% | 5,476 |
| Core capital (leverage) ratio | 2.4867% | 5,476 |
| Tier 1 risk-based capital ratio | 3.4166% | 5,477 |
| Total risk-based capital ratio | 4.6782% | 5,477 |
| Memoranda: | ||
| Average total assets | $177,723,500 | 3,099 |
| Average earning assets | $139,326,000 | 3,398 |
| Average equity | $4,369,000 | 5,191 |
| Average total loans | $109,048,750 | 3,173 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1217% | 3,374 |
| Cost of funding earning assets | 0.7847% | 1,202 |
| Net interest margin | 3.3370% | 4,141 |
| Noninterest income to average assets | 0.9005% | 1,183 |
| Noninterest expense to average assets | 3.8670% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.6467% | 5,453 |
| Return on assets (ROA) | -0.6754% | 5,450 |
| Pretax return on assets | -0.3763% | 5,415 |
| Return on Equity (ROE) | -27.2464% | 5,520 |
| Retained earnings to average equity (ytd only) | -27.2464% | 5,509 |
| Net charge-offs to loans | -0.2966% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8777% | 99 |
| Assets per employee ($millions) | 4.1824% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7783% | 184 |
| Loan loss allowance to noncurrent loans | 18.6250% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 21.7242% | 3 |
| Noncurrent loans to loans | 14.9171% | 9 |
| Net loans and leases to total assets | 57.6907% | 4,022 |
| Net loans and leases to deposits | 63.0875% | 4,345 |
| Net loans and leases to core deposits | 65.3086% | 4,406 |
| Total domestic deposits to total assets | 91.4455% | 161 |
| Equity capital to assets | 2.4109% | 5,540 |
| Core capital (leverage) ratio | 2.5267% | 5,540 |
| Tier 1 risk-based capital ratio | 3.4496% | 5,540 |
| Total risk-based capital ratio | 4.7115% | 5,540 |
| Memoranda: | ||
| Average total assets | $181,226,330 | 3,082 |
| Average earning assets | $142,221,670 | 3,387 |
| Average equity | $4,492,330 | 5,232 |
| Average total loans | $111,254,000 | 3,158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 3,062 |
| Cost of funding earning assets | 0.7652% | 1,122 |
| Net interest margin | 3.3853% | 3,930 |
| Noninterest income to average assets | 0.6652% | 1,979 |
| Noninterest expense to average assets | 3.9433% | 562 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.2130% | 5,548 |
| Return on assets (ROA) | -1.2695% | 5,548 |
| Pretax return on assets | -0.6804% | 5,513 |
| Return on Equity (ROE) | -50.5518% | 5,592 |
| Retained earnings to average equity (ytd only) | -50.5518% | 5,586 |
| Net charge-offs to loans | -0.0174% | 4,483 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.7950% | 70 |
| Assets per employee ($millions) | 4.2772% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4476% | 266 |
| Loan loss allowance to noncurrent loans | 17.1773% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 20.7852% | 3 |
| Noncurrent loans to loans | 14.2490% | 11 |
| Net loans and leases to total assets | 60.7024% | 3,680 |
| Net loans and leases to deposits | 66.1998% | 4,075 |
| Net loans and leases to core deposits | 68.4698% | 4,190 |
| Total domestic deposits to total assets | 91.6957% | 152 |
| Equity capital to assets | 2.3786% | 5,602 |
| Core capital (leverage) ratio | 2.4873% | 5,605 |
| Tier 1 risk-based capital ratio | 3.3293% | 5,605 |
| Total risk-based capital ratio | 4.5883% | 5,605 |
| Memoranda: | ||
| Average total assets | $184,009,000 | 3,092 |
| Average earning assets | $144,270,000 | 3,404 |
| Average equity | $4,621,000 | 5,273 |
| Average total loans | $114,763,000 | 3,125 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 3,427 |
| Cost of funding earning assets | 0.6297% | 1,419 |
| Net interest margin | 3.3626% | 3,962 |
| Noninterest income to average assets | 0.5441% | 2,754 |
| Noninterest expense to average assets | 3.6991% | 791 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.5321% | 5,539 |
| Return on assets (ROA) | -0.5321% | 5,538 |
| Pretax return on assets | -0.5321% | 5,552 |
| Return on Equity (ROE) | -18.9531% | 5,639 |
| Retained earnings to average equity (ytd only) | -18.9531% | 5,613 |
| Net charge-offs to loans | 0.1951% | 1,306 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -4.4050% | 4,068 |
| Efficiency ratio | 116.8006% | 73 |
| Assets per employee ($millions) | 4.1861% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3195% | 303 |
| Loan loss allowance to noncurrent loans | 21.3476% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 18.6462% | 4 |
| Noncurrent loans to loans | 10.8652% | 18 |
| Net loans and leases to total assets | 61.0545% | 3,727 |
| Net loans and leases to deposits | 66.4721% | 4,150 |
| Net loans and leases to core deposits | 76.3109% | 3,714 |
| Total domestic deposits to total assets | 91.8498% | 93 |
| Equity capital to assets | 2.6378% | 5,666 |
| Core capital (leverage) ratio | 2.6606% | 5,669 |
| Tier 1 risk-based capital ratio | 3.4558% | 5,669 |
| Total risk-based capital ratio | 4.7130% | 5,669 |
| Memoranda: | ||
| Average total assets | $200,346,600 | 2,921 |
| Average earning assets | $156,276,200 | 3,240 |
| Average equity | $5,624,400 | 5,161 |
| Average total loans | $124,051,600 | 2,998 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,459 |
| Cost of funding earning assets | 0.5703% | 1,738 |
| Net interest margin | 3.4011% | 3,846 |
| Noninterest income to average assets | 0.5449% | 2,751 |
| Noninterest expense to average assets | 3.5460% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.3423% | 5,608 |
| Return on assets (ROA) | -0.3423% | 5,607 |
| Pretax return on assets | -0.3423% | 5,600 |
| Return on Equity (ROE) | -12.0240% | 5,682 |
| Retained earnings to average equity (ytd only) | -12.0240% | 5,629 |
| Net charge-offs to loans | 0.1210% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -4.5788% | 3,755 |
| Efficiency ratio | 110.6836% | 94 |
| Assets per employee ($millions) | 3.9757% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 330 |
| Loan loss allowance to noncurrent loans | 24.2473% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 17.1703% | 6 |
| Noncurrent loans to loans | 9.6168% | 29 |
| Net loans and leases to total assets | 61.4706% | 3,720 |
| Net loans and leases to deposits | 66.9666% | 4,186 |
| Net loans and leases to core deposits | 81.9632% | 3,291 |
| Total domestic deposits to total assets | 91.7929% | 75 |
| Equity capital to assets | 2.8325% | 5,731 |
| Core capital (leverage) ratio | 2.7990% | 5,734 |
| Tier 1 risk-based capital ratio | 3.7134% | 5,734 |
| Total risk-based capital ratio | 4.9708% | 5,734 |
| Memoranda: | ||
| Average total assets | $203,339,250 | 2,915 |
| Average earning assets | $158,965,000 | 3,237 |
| Average equity | $5,788,250 | 5,192 |
| Average total loans | $125,628,750 | 3,003 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8594% | 3,687 |
| Cost of funding earning assets | 0.5271% | 1,941 |
| Net interest margin | 3.3323% | 4,011 |
| Noninterest income to average assets | 0.5558% | 2,684 |
| Noninterest expense to average assets | 3.3718% | 1,223 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.2095% | 5,622 |
| Return on assets (ROA) | -0.2095% | 5,621 |
| Pretax return on assets | -0.2095% | 5,608 |
| Return on Equity (ROE) | -7.3490% | 5,702 |
| Retained earnings to average equity (ytd only) | -7.3490% | 5,597 |
| Net charge-offs to loans | 0.1058% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -3.2239% | 3,453 |
| Efficiency ratio | 106.6258% | 128 |
| Assets per employee ($millions) | 4.1502% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3083% | 371 |
| Loan loss allowance to noncurrent loans | 24.6564% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 16.7333% | 9 |
| Noncurrent loans to loans | 9.3619% | 31 |
| Net loans and leases to total assets | 60.4772% | 3,801 |
| Net loans and leases to deposits | 65.7498% | 4,239 |
| Net loans and leases to core deposits | 79.8171% | 3,434 |
| Total domestic deposits to total assets | 91.9808% | 71 |
| Equity capital to assets | 2.8717% | 5,784 |
| Core capital (leverage) ratio | 2.8826% | 5,783 |
| Tier 1 risk-based capital ratio | 3.8690% | 5,785 |
| Total risk-based capital ratio | 5.1269% | 5,784 |
| Memoranda: | ||
| Average total assets | $206,183,330 | 2,895 |
| Average earning assets | $161,268,330 | 3,222 |
| Average equity | $5,878,330 | 5,206 |
| Average total loans | $126,635,670 | 2,993 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 3,981 |
| Cost of funding earning assets | 0.5126% | 1,988 |
| Net interest margin | 3.2258% | 4,259 |
| Noninterest income to average assets | 0.5588% | 2,619 |
| Noninterest expense to average assets | 3.3797% | 1,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2987% | 5,698 |
| Return on assets (ROA) | -0.2987% | 5,698 |
| Pretax return on assets | -0.2987% | 5,687 |
| Return on Equity (ROE) | -10.5129% | 5,780 |
| Retained earnings to average equity (ytd only) | -10.5129% | 5,588 |
| Net charge-offs to loans | 0.2236% | 802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -2.1831% | 2,889 |
| Efficiency ratio | 109.6936% | 131 |
| Assets per employee ($millions) | 4.3488% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2907% | 418 |
| Loan loss allowance to noncurrent loans | 26.6239% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 15.7652% | 10 |
| Noncurrent loans to loans | 8.6040% | 47 |
| Net loans and leases to total assets | 58.0898% | 3,963 |
| Net loans and leases to deposits | 62.8656% | 4,376 |
| Net loans and leases to core deposits | 77.9392% | 3,473 |
| Total domestic deposits to total assets | 92.4032% | 69 |
| Equity capital to assets | 2.7359% | 5,848 |
| Core capital (leverage) ratio | 2.9308% | 5,848 |
| Tier 1 risk-based capital ratio | 3.8499% | 5,850 |
| Total risk-based capital ratio | 5.1071% | 5,849 |
| Memoranda: | ||
| Average total assets | $207,594,500 | 2,910 |
| Average earning assets | $162,318,000 | 3,240 |
| Average equity | $5,897,500 | 5,253 |
| Average total loans | $127,007,000 | 3,008 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 3,690 |
| Cost of funding earning assets | 0.4948% | 2,125 |
| Net interest margin | 3.3718% | 3,918 |
| Noninterest income to average assets | 0.9648% | 1,231 |
| Noninterest expense to average assets | 3.4971% | 1,164 |
| Loan and lease loss provision to assets | -0.0992% | 5,689 |
| Net operating income to assets | 0.1993% | 5,419 |
| Return on assets (ROA) | 0.1993% | 5,472 |
| Pretax return on assets | 0.1993% | 5,498 |
| Return on Equity (ROE) | 7.4948% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.4948% | 1,036 |
| Net charge-offs to loans | 0.1110% | 2,158 |
| Credit loss provision to net charge-offs | -143.4483% | 4,942 |
| Earnings coverage of net charge-offs (x) | 1.4483% | 3,985 |
| Efficiency ratio | 97.2160% | 278 |
| Assets per employee ($millions) | 4.0420% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 382 |
| Loan loss allowance to noncurrent loans | 28.5125% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 16.8328% | 10 |
| Noncurrent loans to loans | 8.1890% | 50 |
| Net loans and leases to total assets | 61.5319% | 3,659 |
| Net loans and leases to deposits | 66.9473% | 4,175 |
| Net loans and leases to core deposits | 67.3082% | 4,443 |
| Total domestic deposits to total assets | 91.9109% | 111 |
| Equity capital to assets | 2.9515% | 5,902 |
| Core capital (leverage) ratio | 3.0292% | 5,902 |
| Tier 1 risk-based capital ratio | 3.9224% | 5,905 |
| Total risk-based capital ratio | 5.1799% | 5,903 |
| Memoranda: | ||
| Average total assets | $209,687,000 | 2,855 |
| Average earning assets | $163,711,400 | 3,187 |
| Average equity | $5,577,200 | 5,354 |
| Average total loans | $130,679,000 | 2,910 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7566% | 4,060 |
| Cost of funding earning assets | 0.4912% | 2,162 |
| Net interest margin | 3.2654% | 4,291 |
| Noninterest income to average assets | 0.7058% | 2,143 |
| Noninterest expense to average assets | 3.4841% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2231% | 5,801 |
| Return on assets (ROA) | -0.2231% | 5,812 |
| Pretax return on assets | -0.2231% | 5,800 |
| Return on Equity (ROE) | -8.6126% | 5,900 |
| Retained earnings to average equity (ytd only) | -8.6126% | 5,830 |
| Net charge-offs to loans | 0.4126% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.8698% | 3,849 |
| Efficiency ratio | 106.8406% | 146 |
| Assets per employee ($millions) | 4.1113% | 3,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 451 |
| Loan loss allowance to noncurrent loans | 29.6676% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 16.1474% | 13 |
| Noncurrent loans to loans | 7.6823% | 68 |
| Net loans and leases to total assets | 60.8835% | 3,756 |
| Net loans and leases to deposits | 66.0370% | 4,342 |
| Net loans and leases to core deposits | 66.3859% | 4,583 |
| Total domestic deposits to total assets | 92.1961% | 61 |
| Equity capital to assets | 2.6488% | 5,974 |
| Core capital (leverage) ratio | 2.5553% | 5,975 |
| Tier 1 risk-based capital ratio | 3.4337% | 5,976 |
| Total risk-based capital ratio | 4.6908% | 5,976 |
| Memoranda: | ||
| Average total assets | $211,583,750 | 2,851 |
| Average earning assets | $165,570,000 | 3,182 |
| Average equity | $5,480,250 | 5,427 |
| Average total loans | $131,516,500 | 2,909 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 4,519 |
| Cost of funding earning assets | 0.4910% | 2,179 |
| Net interest margin | 3.1348% | 4,740 |
| Noninterest income to average assets | 0.7444% | 1,955 |
| Noninterest expense to average assets | 3.4477% | 1,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2463% | 5,865 |
| Return on assets (ROA) | -0.2463% | 5,878 |
| Pretax return on assets | -0.2463% | 5,868 |
| Return on Equity (ROE) | -9.5776% | 5,977 |
| Retained earnings to average equity (ytd only) | -9.5776% | 5,874 |
| Net charge-offs to loans | 0.0603% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -6.5750% | 3,637 |
| Efficiency ratio | 107.6923% | 158 |
| Assets per employee ($millions) | 4.0099% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 340 |
| Loan loss allowance to noncurrent loans | 24.1973% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 17.8463% | 10 |
| Noncurrent loans to loans | 10.5473% | 31 |
| Net loans and leases to total assets | 59.0361% | 4,009 |
| Net loans and leases to deposits | 63.8538% | 4,499 |
| Net loans and leases to core deposits | 64.1785% | 4,736 |
| Total domestic deposits to total assets | 92.4550% | 54 |
| Equity capital to assets | 2.5804% | 6,050 |
| Core capital (leverage) ratio | 2.5295% | 6,050 |
| Tier 1 risk-based capital ratio | 3.4744% | 6,053 |
| Total risk-based capital ratio | 4.7348% | 6,052 |
| Memoranda: | ||
| Average total assets | $213,590,670 | 2,846 |
| Average earning assets | $167,408,670 | 3,175 |
| Average equity | $5,492,000 | 5,473 |
| Average total loans | $132,664,330 | 2,891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4861% | 4,918 |
| Cost of funding earning assets | 0.4865% | 2,212 |
| Net interest margin | 2.9996% | 5,120 |
| Noninterest income to average assets | 0.5828% | 2,627 |
| Noninterest expense to average assets | 3.4485% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5044% | 5,963 |
| Return on assets (ROA) | -0.5044% | 5,970 |
| Pretax return on assets | -0.5044% | 5,962 |
| Return on Equity (ROE) | -19.6507% | 6,065 |
| Retained earnings to average equity (ytd only) | -19.6507% | 5,960 |
| Net charge-offs to loans | 0.1040% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -7.7143% | 3,054 |
| Efficiency ratio | 117.1320% | 115 |
| Assets per employee ($millions) | 3.8031% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4698% | 401 |
| Loan loss allowance to noncurrent loans | 20.7700% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 18.0113% | 10 |
| Noncurrent loans to loans | 11.8910% | 29 |
| Net loans and leases to total assets | 59.9520% | 3,782 |
| Net loans and leases to deposits | 64.7284% | 4,364 |
| Net loans and leases to core deposits | 65.0501% | 4,619 |
| Total domestic deposits to total assets | 92.6209% | 59 |
| Equity capital to assets | 2.5114% | 6,110 |
| Core capital (leverage) ratio | 2.5661% | 6,110 |
| Tier 1 risk-based capital ratio | 3.3826% | 6,117 |
| Total risk-based capital ratio | 4.6422% | 6,117 |
| Memoranda: | ||
| Average total assets | $214,123,000 | 2,841 |
| Average earning assets | $168,554,000 | 3,170 |
| Average equity | $5,496,000 | 5,508 |
| Average total loans | $134,620,000 | 2,868 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7659% | 4,147 |
| Cost of funding earning assets | 0.4397% | 2,743 |
| Net interest margin | 3.3262% | 4,192 |
| Noninterest income to average assets | 0.8186% | 1,712 |
| Noninterest expense to average assets | 3.4858% | 1,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0572% | 5,903 |
| Return on assets (ROA) | -0.0513% | 5,924 |
| Pretax return on assets | -0.0513% | 5,912 |
| Return on Equity (ROE) | -1.9873% | 5,981 |
| Retained earnings to average equity (ytd only) | -1.9873% | 5,749 |
| Net charge-offs to loans | -0.0144% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6684% | 251 |
| Assets per employee ($millions) | 3.5843% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4458% | 429 |
| Loan loss allowance to noncurrent loans | 29.8483% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 15.9010% | 18 |
| Noncurrent loans to loans | 8.1941% | 72 |
| Net loans and leases to total assets | 62.7330% | 3,457 |
| Net loans and leases to deposits | 67.8779% | 4,139 |
| Net loans and leases to core deposits | 68.2235% | 4,433 |
| Total domestic deposits to total assets | 92.4202% | 79 |
| Equity capital to assets | 2.6235% | 6,170 |
| Core capital (leverage) ratio | 2.6780% | 6,170 |
| Tier 1 risk-based capital ratio | 3.5549% | 6,174 |
| Total risk-based capital ratio | 4.8144% | 6,175 |
| Memoranda: | ||
| Average total assets | $220,264,400 | 2,741 |
| Average earning assets | $172,838,400 | 3,083 |
| Average equity | $5,686,000 | 5,507 |
| Average total loans | $138,484,000 | 2,744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 4,275 |
| Cost of funding earning assets | 0.4357% | 2,842 |
| Net interest margin | 3.3089% | 4,305 |
| Noninterest income to average assets | 0.8193% | 1,729 |
| Noninterest expense to average assets | 3.4767% | 1,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0629% | 5,974 |
| Return on assets (ROA) | -0.0551% | 6,002 |
| Pretax return on assets | -0.0551% | 5,997 |
| Return on Equity (ROE) | -2.1442% | 6,072 |
| Retained earnings to average equity (ytd only) | -2.1442% | 5,870 |
| Net charge-offs to loans | 0.1342% | 1,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.7500% | 4,041 |
| Efficiency ratio | 101.8434% | 263 |
| Assets per employee ($millions) | 3.6276% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2918% | 578 |
| Loan loss allowance to noncurrent loans | 31.4524% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 15.3701% | 22 |
| Noncurrent loans to loans | 7.2867% | 88 |
| Net loans and leases to total assets | 64.1515% | 3,286 |
| Net loans and leases to deposits | 69.5616% | 4,035 |
| Net loans and leases to core deposits | 69.9187% | 4,377 |
| Total domestic deposits to total assets | 92.2225% | 82 |
| Equity capital to assets | 2.7043% | 6,260 |
| Core capital (leverage) ratio | 2.5915% | 6,258 |
| Tier 1 risk-based capital ratio | 3.5481% | 6,262 |
| Total risk-based capital ratio | 4.8068% | 6,262 |
| Memoranda: | ||
| Average total assets | $222,462,750 | 2,752 |
| Average earning assets | $174,433,250 | 3,081 |
| Average equity | $5,720,500 | 5,570 |
| Average total loans | $139,108,000 | 2,752 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 4,701 |
| Cost of funding earning assets | 0.4377% | 2,875 |
| Net interest margin | 3.1685% | 4,759 |
| Noninterest income to average assets | 0.9405% | 1,331 |
| Noninterest expense to average assets | 3.4625% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0353% | 6,018 |
| Return on assets (ROA) | -0.0238% | 6,041 |
| Pretax return on assets | -0.0238% | 6,034 |
| Return on Equity (ROE) | -0.9423% | 6,081 |
| Retained earnings to average equity (ytd only) | -0.9423% | 5,684 |
| Net charge-offs to loans | -0.0947% | 5,769 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0307% | 299 |
| Assets per employee ($millions) | 3.9639% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4371% | 523 |
| Loan loss allowance to noncurrent loans | 31.3150% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 15.3798% | 24 |
| Noncurrent loans to loans | 7.7826% | 91 |
| Net loans and leases to total assets | 59.7437% | 3,873 |
| Net loans and leases to deposits | 64.3382% | 4,506 |
| Net loans and leases to core deposits | 64.7204% | 4,757 |
| Total domestic deposits to total assets | 92.8589% | 60 |
| Equity capital to assets | 2.4891% | 6,335 |
| Core capital (leverage) ratio | 2.5391% | 6,337 |
| Tier 1 risk-based capital ratio | 3.5260% | 6,340 |
| Total risk-based capital ratio | 4.7853% | 6,340 |
| Memoranda: | ||
| Average total assets | $226,483,000 | 2,732 |
| Average earning assets | $177,749,000 | 3,069 |
| Average equity | $5,730,670 | 5,619 |
| Average total loans | $139,430,000 | 2,754 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,616 |
| Cost of funding earning assets | 0.4439% | 2,841 |
| Net interest margin | 3.1794% | 4,679 |
| Noninterest income to average assets | 0.9667% | 1,197 |
| Noninterest expense to average assets | 3.4963% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0529% | 6,056 |
| Return on assets (ROA) | -0.0529% | 6,093 |
| Pretax return on assets | -0.0529% | 6,086 |
| Return on Equity (ROE) | -2.0747% | 6,175 |
| Retained earnings to average equity (ytd only) | -2.0747% | 5,694 |
| Net charge-offs to loans | -0.0114% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5369% | 330 |
| Assets per employee ($millions) | 3.9839% | 3,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3751% | 639 |
| Loan loss allowance to noncurrent loans | 29.7876% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 17.2495% | 17 |
| Noncurrent loans to loans | 7.9734% | 103 |
| Net loans and leases to total assets | 58.8803% | 3,818 |
| Net loans and leases to deposits | 63.3839% | 4,443 |
| Net loans and leases to core deposits | 63.7516% | 4,720 |
| Total domestic deposits to total assets | 92.8947% | 66 |
| Equity capital to assets | 2.5170% | 6,409 |
| Core capital (leverage) ratio | 2.5719% | 6,409 |
| Tier 1 risk-based capital ratio | 3.4032% | 6,412 |
| Total risk-based capital ratio | 4.6612% | 6,411 |
| Memoranda: | ||
| Average total assets | $226,752,000 | 2,750 |
| Average earning assets | $176,636,000 | 3,095 |
| Average equity | $5,784,000 | 5,661 |
| Average total loans | $139,965,000 | 2,756 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,486 |
| Cost of funding earning assets | 0.4544% | 3,127 |
| Net interest margin | 3.3487% | 4,406 |
| Noninterest income to average assets | 0.8297% | 1,754 |
| Noninterest expense to average assets | 3.3660% | 1,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0501% | 6,021 |
| Return on assets (ROA) | 0.0667% | 6,027 |
| Pretax return on assets | 0.0667% | 6,027 |
| Return on Equity (ROE) | 2.7938% | 5,543 |
| Retained earnings to average equity (ytd only) | 2.7938% | 4,255 |
| Net charge-offs to loans | 0.2978% | 1,478 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.2693% | 4,674 |
| Efficiency ratio | 98.5322% | 406 |
| Assets per employee ($millions) | 3.9024% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 671 |
| Loan loss allowance to noncurrent loans | 28.5517% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 18.2865% | 12 |
| Noncurrent loans to loans | 8.2374% | 104 |
| Net loans and leases to total assets | 61.7078% | 3,539 |
| Net loans and leases to deposits | 66.5831% | 4,259 |
| Net loans and leases to core deposits | 66.9853% | 4,596 |
| Total domestic deposits to total assets | 92.6779% | 86 |
| Equity capital to assets | 2.5859% | 6,496 |
| Core capital (leverage) ratio | 2.5852% | 6,498 |
| Tier 1 risk-based capital ratio | 3.4879% | 6,502 |
| Total risk-based capital ratio | 4.7469% | 6,503 |
| Memoranda: | ||
| Average total assets | $229,355,000 | 2,707 |
| Average earning assets | $177,141,800 | 3,077 |
| Average equity | $5,476,400 | 5,747 |
| Average total loans | $143,391,600 | 2,662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,518 |
| Cost of funding earning assets | 0.4611% | 3,141 |
| Net interest margin | 3.3458% | 4,446 |
| Noninterest income to average assets | 0.8447% | 1,725 |
| Noninterest expense to average assets | 3.3742% | 1,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0537% | 6,082 |
| Return on assets (ROA) | 0.0756% | 6,080 |
| Pretax return on assets | 0.0756% | 6,086 |
| Return on Equity (ROE) | 3.2300% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.2300% | 4,334 |
| Net charge-offs to loans | 0.0888% | 2,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.9688% | 4,267 |
| Efficiency ratio | 98.4346% | 418 |
| Assets per employee ($millions) | 3.9928% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5703% | 599 |
| Loan loss allowance to noncurrent loans | 27.6452% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 18.5527% | 14 |
| Noncurrent loans to loans | 9.2973% | 90 |
| Net loans and leases to total assets | 60.5765% | 3,691 |
| Net loans and leases to deposits | 65.2531% | 4,408 |
| Net loans and leases to core deposits | 65.6370% | 4,745 |
| Total domestic deposits to total assets | 92.8332% | 92 |
| Equity capital to assets | 2.4562% | 6,570 |
| Core capital (leverage) ratio | 2.5611% | 6,573 |
| Tier 1 risk-based capital ratio | 3.4640% | 6,576 |
| Total risk-based capital ratio | 4.7251% | 6,576 |
| Memoranda: | ||
| Average total assets | $231,084,500 | 2,705 |
| Average earning assets | $178,408,500 | 3,088 |
| Average equity | $5,407,500 | 5,820 |
| Average total loans | $144,097,750 | 2,668 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 4,640 |
| Cost of funding earning assets | 0.4883% | 2,942 |
| Net interest margin | 3.2763% | 4,677 |
| Noninterest income to average assets | 0.7854% | 1,898 |
| Noninterest expense to average assets | 3.3705% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.0603% | 6,234 |
| Return on assets (ROA) | -0.0276% | 6,225 |
| Pretax return on assets | -0.0276% | 6,215 |
| Return on Equity (ROE) | -1.1970% | 6,285 |
| Retained earnings to average equity (ytd only) | -1.1970% | 5,885 |
| Net charge-offs to loans | 0.2870% | 1,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -0.3365% | 4,167 |
| Efficiency ratio | 101.8210% | 358 |
| Assets per employee ($millions) | 3.9643% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4498% | 763 |
| Loan loss allowance to noncurrent loans | 21.9421% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 19.9915% | 12 |
| Noncurrent loans to loans | 11.1649% | 58 |
| Net loans and leases to total assets | 62.1173% | 3,383 |
| Net loans and leases to deposits | 66.8511% | 4,179 |
| Net loans and leases to core deposits | 67.4137% | 4,514 |
| Total domestic deposits to total assets | 92.9188% | 87 |
| Equity capital to assets | 2.3981% | 6,638 |
| Core capital (leverage) ratio | 2.4042% | 6,642 |
| Tier 1 risk-based capital ratio | 3.3274% | 6,646 |
| Total risk-based capital ratio | 4.5876% | 6,646 |
| Memoranda: | ||
| Average total assets | $232,249,330 | 2,703 |
| Average earning assets | $178,979,670 | 3,093 |
| Average equity | $5,346,670 | 5,876 |
| Average total loans | $144,962,670 | 2,658 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5458% | 5,311 |
| Cost of funding earning assets | 0.4946% | 2,963 |
| Net interest margin | 3.0513% | 5,380 |
| Noninterest income to average assets | 0.7851% | 1,822 |
| Noninterest expense to average assets | 3.3391% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2056% | 6,357 |
| Return on assets (ROA) | -0.1410% | 6,320 |
| Pretax return on assets | -0.1410% | 6,309 |
| Return on Equity (ROE) | -6.2518% | 6,496 |
| Retained earnings to average equity (ytd only) | -6.2518% | 6,195 |
| Net charge-offs to loans | 0.2227% | 1,432 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.4938% | 3,522 |
| Efficiency ratio | 106.5618% | 325 |
| Assets per employee ($millions) | 4.1662% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5407% | 778 |
| Loan loss allowance to noncurrent loans | 19.7437% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 21.5256% | 13 |
| Noncurrent loans to loans | 12.8683% | 58 |
| Net loans and leases to total assets | 58.9911% | 3,701 |
| Net loans and leases to deposits | 63.2199% | 4,405 |
| Net loans and leases to core deposits | 64.1510% | 4,679 |
| Total domestic deposits to total assets | 93.3109% | 90 |
| Equity capital to assets | 2.2268% | 6,708 |
| Core capital (leverage) ratio | 2.3862% | 6,710 |
| Tier 1 risk-based capital ratio | 3.2443% | 6,716 |
| Total risk-based capital ratio | 4.5047% | 6,716 |
| Memoranda: | ||
| Average total assets | $235,391,000 | 2,689 |
| Average earning assets | $181,171,000 | 3,079 |
| Average equity | $5,310,500 | 5,925 |
| Average total loans | $145,499,500 | 2,646 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 5,613 |
| Cost of funding earning assets | 0.5680% | 2,943 |
| Net interest margin | 2.9462% | 5,691 |
| Noninterest income to average assets | 0.7952% | 2,100 |
| Noninterest expense to average assets | 3.2926% | 2,166 |
| Loan and lease loss provision to assets | 0.0814% | 3,485 |
| Net operating income to assets | -0.2538% | 6,392 |
| Return on assets (ROA) | -0.2436% | 6,405 |
| Pretax return on assets | -0.2436% | 6,388 |
| Return on Equity (ROE) | -9.9317% | 6,583 |
| Retained earnings to average equity (ytd only) | -9.9317% | 6,534 |
| Net charge-offs to loans | 0.3532% | 1,912 |
| Credit loss provision to net charge-offs | 36.4299% | 4,115 |
| Earnings coverage of net charge-offs (x) | -0.7723% | 5,241 |
| Efficiency ratio | 105.5273% | 345 |
| Assets per employee ($millions) | 4.0225% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5350% | 794 |
| Loan loss allowance to noncurrent loans | 19.0537% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 22.2141% | 15 |
| Noncurrent loans to loans | 13.3045% | 53 |
| Net loans and leases to total assets | 61.5177% | 3,437 |
| Net loans and leases to deposits | 66.0022% | 4,295 |
| Net loans and leases to core deposits | 67.0703% | 4,609 |
| Total domestic deposits to total assets | 93.2055% | 117 |
| Equity capital to assets | 2.2858% | 6,783 |
| Core capital (leverage) ratio | 2.3945% | 6,785 |
| Tier 1 risk-based capital ratio | 3.2507% | 6,790 |
| Total risk-based capital ratio | 4.5115% | 6,790 |
| Memoranda: | ||
| Average total assets | $245,850,800 | 2,570 |
| Average earning assets | $194,011,800 | 2,904 |
| Average equity | $6,031,200 | 5,819 |
| Average total loans | $155,437,800 | 2,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 5,716 |
| Cost of funding earning assets | 0.5833% | 2,966 |
| Net interest margin | 2.9044% | 5,806 |
| Noninterest income to average assets | 0.8418% | 1,970 |
| Noninterest expense to average assets | 3.1888% | 2,403 |
| Loan and lease loss provision to assets | 0.0669% | 3,715 |
| Net operating income to assets | -0.1076% | 6,389 |
| Return on assets (ROA) | -0.0942% | 6,415 |
| Pretax return on assets | -0.0942% | 6,395 |
| Return on Equity (ROE) | -3.7813% | 6,563 |
| Retained earnings to average equity (ytd only) | -3.7813% | 6,426 |
| Net charge-offs to loans | 0.4767% | 1,351 |
| Credit loss provision to net charge-offs | 22.2025% | 4,033 |
| Earnings coverage of net charge-offs (x) | -0.1350% | 4,895 |
| Efficiency ratio | 101.2927% | 422 |
| Assets per employee ($millions) | 4.3058% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4253% | 1,021 |
| Loan loss allowance to noncurrent loans | 18.1628% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 21.2436% | 14 |
| Noncurrent loans to loans | 13.3531% | 62 |
| Net loans and leases to total assets | 60.8003% | 3,562 |
| Net loans and leases to deposits | 65.3071% | 4,376 |
| Net loans and leases to core deposits | 66.4070% | 4,675 |
| Total domestic deposits to total assets | 93.0991% | 117 |
| Equity capital to assets | 2.4199% | 6,863 |
| Core capital (leverage) ratio | 2.4736% | 6,869 |
| Tier 1 risk-based capital ratio | 3.4596% | 6,874 |
| Total risk-based capital ratio | 4.7198% | 6,874 |
| Memoranda: | ||
| Average total assets | $248,986,750 | 2,556 |
| Average earning assets | $197,720,500 | 2,878 |
| Average equity | $6,205,750 | 5,835 |
| Average total loans | $157,482,750 | 2,464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,798 |
| Cost of funding earning assets | 0.6095% | 2,852 |
| Net interest margin | 2.8366% | 5,930 |
| Noninterest income to average assets | 0.7194% | 2,553 |
| Noninterest expense to average assets | 3.0897% | 2,693 |
| Loan and lease loss provision to assets | 0.0397% | 4,157 |
| Net operating income to assets | -0.1423% | 6,446 |
| Return on assets (ROA) | -0.1224% | 6,474 |
| Pretax return on assets | -0.1224% | 6,445 |
| Return on Equity (ROE) | -4.8662% | 6,638 |
| Retained earnings to average equity (ytd only) | -4.8662% | 6,453 |
| Net charge-offs to loans | 0.2477% | 2,242 |
| Credit loss provision to net charge-offs | 25.2525% | 3,658 |
| Earnings coverage of net charge-offs (x) | -0.6515% | 4,681 |
| Efficiency ratio | 103.4327% | 391 |
| Assets per employee ($millions) | 4.4409% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5275% | 957 |
| Loan loss allowance to noncurrent loans | 19.5323% | 6,317 |
| Noncurrent assets plus other real estate owned to assets | 20.4040% | 21 |
| Noncurrent loans to loans | 12.9403% | 75 |
| Net loans and leases to total assets | 61.0036% | 3,487 |
| Net loans and leases to deposits | 65.4610% | 4,326 |
| Net loans and leases to core deposits | 66.5277% | 4,640 |
| Total domestic deposits to total assets | 93.1908% | 112 |
| Equity capital to assets | 2.5103% | 6,917 |
| Core capital (leverage) ratio | 2.4425% | 6,922 |
| Tier 1 risk-based capital ratio | 3.3842% | 6,922 |
| Total risk-based capital ratio | 4.6453% | 6,922 |
| Memoranda: | ||
| Average total assets | $251,606,670 | 2,539 |
| Average earning assets | $201,153,330 | 2,855 |
| Average equity | $6,329,330 | 5,841 |
| Average total loans | $159,893,670 | 2,443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4188% | 5,900 |
| Cost of funding earning assets | 0.6677% | 2,501 |
| Net interest margin | 2.7512% | 6,126 |
| Noninterest income to average assets | 0.5991% | 3,143 |
| Noninterest expense to average assets | 3.0380% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2244% | 6,530 |
| Return on assets (ROA) | -0.2150% | 6,563 |
| Pretax return on assets | -0.2150% | 6,554 |
| Return on Equity (ROE) | -8.5367% | 6,777 |
| Retained earnings to average equity (ytd only) | -8.5367% | 6,553 |
| Net charge-offs to loans | -0.0123% | 5,516 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9775% | 357 |
| Assets per employee ($millions) | 4.2722% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5422% | 1,069 |
| Loan loss allowance to noncurrent loans | 15.9337% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 20.7016% | 24 |
| Noncurrent loans to loans | 15.9546% | 59 |
| Net loans and leases to total assets | 61.1244% | 3,238 |
| Net loans and leases to deposits | 65.4962% | 4,124 |
| Net loans and leases to core deposits | 66.5288% | 4,462 |
| Total domestic deposits to total assets | 93.3251% | 99 |
| Equity capital to assets | 2.4671% | 6,992 |
| Core capital (leverage) ratio | 2.4173% | 6,991 |
| Tier 1 risk-based capital ratio | 3.3696% | 6,992 |
| Total risk-based capital ratio | 4.6318% | 6,992 |
| Memoranda: | ||
| Average total assets | $253,064,000 | 2,552 |
| Average earning assets | $203,695,000 | 2,856 |
| Average equity | $6,372,500 | 5,893 |
| Average total loans | $162,018,000 | 2,425 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4924% | 6,365 |
| Cost of funding earning assets | 0.7771% | 2,851 |
| Net interest margin | 2.7154% | 6,496 |
| Noninterest income to average assets | 0.6852% | 2,800 |
| Noninterest expense to average assets | 3.0221% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1443% | 6,336 |
| Return on assets (ROA) | -0.1113% | 6,391 |
| Pretax return on assets | -0.1113% | 6,369 |
| Return on Equity (ROE) | -4.3908% | 6,572 |
| Retained earnings to average equity (ytd only) | -4.3908% | 6,392 |
| Net charge-offs to loans | 0.3413% | 2,929 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.6526% | 5,704 |
| Efficiency ratio | 105.0128% | 426 |
| Assets per employee ($millions) | 4.3068% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5002% | 1,130 |
| Loan loss allowance to noncurrent loans | 15.2137% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 21.4308% | 19 |
| Noncurrent loans to loans | 16.4338% | 63 |
| Net loans and leases to total assets | 63.7263% | 2,940 |
| Net loans and leases to deposits | 68.3946% | 3,920 |
| Net loans and leases to core deposits | 69.5784% | 4,369 |
| Total domestic deposits to total assets | 93.1744% | 111 |
| Equity capital to assets | 2.5705% | 7,047 |
| Core capital (leverage) ratio | 2.4856% | 7,045 |
| Tier 1 risk-based capital ratio | 3.4060% | 7,049 |
| Total risk-based capital ratio | 4.6678% | 7,049 |
| Memoranda: | ||
| Average total assets | $257,870,000 | 2,459 |
| Average earning assets | $208,221,800 | 2,763 |
| Average equity | $6,536,400 | 5,884 |
| Average total loans | $166,989,000 | 2,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 6,280 |
| Cost of funding earning assets | 0.7972% | 2,968 |
| Net interest margin | 2.8718% | 6,404 |
| Noninterest income to average assets | 0.6962% | 2,731 |
| Noninterest expense to average assets | 3.0084% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0108% | 6,262 |
| Return on assets (ROA) | 0.0544% | 6,339 |
| Pretax return on assets | 0.0544% | 6,328 |
| Return on Equity (ROE) | 2.1527% | 5,984 |
| Retained earnings to average equity (ytd only) | 2.1527% | 5,251 |
| Net charge-offs to loans | 0.3684% | 2,626 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.0453% | 5,312 |
| Efficiency ratio | 99.6432% | 550 |
| Assets per employee ($millions) | 4.4174% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5482% | 1,148 |
| Loan loss allowance to noncurrent loans | 17.0078% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 20.0960% | 33 |
| Noncurrent loans to loans | 14.9827% | 100 |
| Net loans and leases to total assets | 63.6091% | 3,091 |
| Net loans and leases to deposits | 68.3804% | 4,117 |
| Net loans and leases to core deposits | 69.6326% | 4,543 |
| Total domestic deposits to total assets | 93.0224% | 110 |
| Equity capital to assets | 2.6760% | 7,143 |
| Core capital (leverage) ratio | 2.6122% | 7,143 |
| Tier 1 risk-based capital ratio | 3.6276% | 7,146 |
| Total risk-based capital ratio | 4.8902% | 7,146 |
| Memoranda: | ||
| Average total assets | $259,888,750 | 2,459 |
| Average earning assets | $210,219,500 | 2,763 |
| Average equity | $6,565,250 | 5,945 |
| Average total loans | $167,919,500 | 2,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 6,331 |
| Cost of funding earning assets | 0.8313% | 2,936 |
| Net interest margin | 2.8700% | 6,464 |
| Noninterest income to average assets | 0.6207% | 3,125 |
| Noninterest expense to average assets | 2.9514% | 3,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0061% | 6,325 |
| Return on assets (ROA) | 0.0586% | 6,381 |
| Pretax return on assets | 0.0586% | 6,377 |
| Return on Equity (ROE) | 2.3664% | 5,929 |
| Retained earnings to average equity (ytd only) | 2.3664% | 5,012 |
| Net charge-offs to loans | 0.6540% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.0145% | 5,091 |
| Efficiency ratio | 100.2069% | 551 |
| Assets per employee ($millions) | 4.5402% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4613% | 1,335 |
| Loan loss allowance to noncurrent loans | 19.1874% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 18.2029% | 57 |
| Noncurrent loans to loans | 12.8277% | 146 |
| Net loans and leases to total assets | 62.7689% | 3,276 |
| Net loans and leases to deposits | 67.2503% | 4,324 |
| Net loans and leases to core deposits | 68.8076% | 4,696 |
| Total domestic deposits to total assets | 93.3363% | 104 |
| Equity capital to assets | 2.5457% | 7,200 |
| Core capital (leverage) ratio | 2.5426% | 7,198 |
| Tier 1 risk-based capital ratio | 3.5750% | 7,199 |
| Total risk-based capital ratio | 4.8366% | 7,199 |
| Memoranda: | ||
| Average total assets | $262,588,000 | 2,432 |
| Average earning assets | $212,684,000 | 2,727 |
| Average equity | $6,507,670 | 5,982 |
| Average total loans | $169,109,330 | 2,357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 6,694 |
| Cost of funding earning assets | 0.9008% | 2,683 |
| Net interest margin | 2.6037% | 6,871 |
| Noninterest income to average assets | 0.6337% | 3,037 |
| Noninterest expense to average assets | 2.9491% | 3,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2042% | 6,643 |
| Return on assets (ROA) | -0.0756% | 6,600 |
| Pretax return on assets | -0.0756% | 6,587 |
| Return on Equity (ROE) | -3.0924% | 6,763 |
| Retained earnings to average equity (ytd only) | -3.0924% | 6,410 |
| Net charge-offs to loans | 0.7042% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.4500% | 4,494 |
| Efficiency ratio | 107.4380% | 380 |
| Assets per employee ($millions) | 4.6042% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5638% | 1,272 |
| Loan loss allowance to noncurrent loans | 33.6373% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 14.6684% | 111 |
| Noncurrent loans to loans | 7.6218% | 542 |
| Net loans and leases to total assets | 61.9362% | 3,268 |
| Net loans and leases to deposits | 66.1935% | 4,345 |
| Net loans and leases to core deposits | 67.5868% | 4,725 |
| Total domestic deposits to total assets | 93.5685% | 109 |
| Equity capital to assets | 2.4086% | 7,262 |
| Core capital (leverage) ratio | 2.4777% | 7,256 |
| Tier 1 risk-based capital ratio | 3.4685% | 7,263 |
| Total risk-based capital ratio | 4.7317% | 7,265 |
| Memoranda: | ||
| Average total assets | $264,487,500 | 2,435 |
| Average earning assets | $214,468,000 | 2,718 |
| Average equity | $6,467,500 | 6,020 |
| Average total loans | $170,395,000 | 2,357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 6,137 |
| Cost of funding earning assets | 1.2030% | 2,008 |
| Net interest margin | 2.9681% | 6,577 |
| Noninterest income to average assets | 0.5570% | 3,458 |
| Noninterest expense to average assets | 3.0520% | 3,380 |
| Loan and lease loss provision to assets | 0.7253% | 1,404 |
| Net operating income to assets | -0.7927% | 6,650 |
| Return on assets (ROA) | -0.6919% | 6,637 |
| Pretax return on assets | -0.6919% | 6,599 |
| Return on Equity (ROE) | -26.1671% | 7,059 |
| Retained earnings to average equity (ytd only) | -26.1671% | 7,049 |
| Net charge-offs to loans | 1.4052% | 1,159 |
| Credit loss provision to net charge-offs | 77.6699% | 4,567 |
| Earnings coverage of net charge-offs (x) | -0.0722% | 5,883 |
| Efficiency ratio | 102.2600% | 617 |
| Assets per employee ($millions) | 4.4395% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7198% | 1,064 |
| Loan loss allowance to noncurrent loans | 37.5889% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 15.0620% | 119 |
| Noncurrent loans to loans | 7.2357% | 603 |
| Net loans and leases to total assets | 63.5240% | 3,287 |
| Net loans and leases to deposits | 67.9710% | 4,455 |
| Net loans and leases to core deposits | 69.3591% | 4,868 |
| Total domestic deposits to total assets | 93.4574% | 115 |
| Equity capital to assets | 2.4827% | 7,299 |
| Core capital (leverage) ratio | 2.4691% | 7,293 |
| Tier 1 risk-based capital ratio | 3.4703% | 7,301 |
| Total risk-based capital ratio | 4.7352% | 7,303 |
| Memoranda: | ||
| Average total assets | $275,755,200 | 2,297 |
| Average earning assets | $225,528,600 | 2,551 |
| Average equity | $7,291,600 | 5,781 |
| Average total loans | $183,249,000 | 2,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 6,077 |
| Cost of funding earning assets | 1.2604% | 1,933 |
| Net interest margin | 2.9912% | 6,604 |
| Noninterest income to average assets | 0.6246% | 3,026 |
| Noninterest expense to average assets | 3.1096% | 3,118 |
| Loan and lease loss provision to assets | 0.9550% | 922 |
| Net operating income to assets | -0.9866% | 6,879 |
| Return on assets (ROA) | -0.8538% | 6,857 |
| Pretax return on assets | -0.8538% | 6,808 |
| Return on Equity (ROE) | -31.8336% | 7,206 |
| Retained earnings to average equity (ytd only) | -31.8336% | 7,199 |
| Net charge-offs to loans | 0.8753% | 1,822 |
| Credit loss provision to net charge-offs | 163.5323% | 1,871 |
| Earnings coverage of net charge-offs (x) | -0.0540% | 5,634 |
| Efficiency ratio | 101.0239% | 633 |
| Assets per employee ($millions) | 4.5048% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4035% | 612 |
| Loan loss allowance to noncurrent loans | 44.1633% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 14.9751% | 133 |
| Noncurrent loans to loans | 7.7067% | 594 |
| Net loans and leases to total assets | 63.0444% | 3,503 |
| Net loans and leases to deposits | 67.3925% | 4,704 |
| Net loans and leases to core deposits | 69.5323% | 5,000 |
| Total domestic deposits to total assets | 93.5480% | 103 |
| Equity capital to assets | 2.4396% | 7,382 |
| Core capital (leverage) ratio | 2.4015% | 7,377 |
| Tier 1 risk-based capital ratio | 3.4576% | 7,383 |
| Total risk-based capital ratio | 4.7305% | 7,384 |
| Memoranda: | ||
| Average total assets | $279,211,250 | 2,280 |
| Average earning assets | $229,021,250 | 2,527 |
| Average equity | $7,488,750 | 5,750 |
| Average total loans | $186,301,000 | 2,186 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 6,000 |
| Cost of funding earning assets | 1.3339% | 1,737 |
| Net interest margin | 2.9742% | 6,654 |
| Noninterest income to average assets | 0.5358% | 3,591 |
| Noninterest expense to average assets | 3.1929% | 2,930 |
| Loan and lease loss provision to assets | 1.4175% | 511 |
| Net operating income to assets | -1.6188% | 7,131 |
| Return on assets (ROA) | -1.4416% | 7,093 |
| Pretax return on assets | -1.4416% | 7,044 |
| Return on Equity (ROE) | -52.2409% | 7,354 |
| Retained earnings to average equity (ytd only) | -52.2409% | 7,351 |
| Net charge-offs to loans | 0.0781% | 4,860 |
| Credit loss provision to net charge-offs | 2,702.7027% | 119 |
| Earnings coverage of net charge-offs (x) | -3.8378% | 5,779 |
| Efficiency ratio | 106.7283% | 544 |
| Assets per employee ($millions) | 4.2325% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8528% | 458 |
| Loan loss allowance to noncurrent loans | 47.0159% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 15.0620% | 143 |
| Noncurrent loans to loans | 8.1946% | 541 |
| Net loans and leases to total assets | 63.9013% | 3,484 |
| Net loans and leases to deposits | 69.5048% | 4,500 |
| Net loans and leases to core deposits | 71.7510% | 4,845 |
| Total domestic deposits to total assets | 91.9379% | 246 |
| Equity capital to assets | 2.3326% | 7,460 |
| Core capital (leverage) ratio | 2.2866% | 7,463 |
| Tier 1 risk-based capital ratio | 3.2065% | 7,457 |
| Total risk-based capital ratio | 4.4848% | 7,459 |
| Memoranda: | ||
| Average total assets | $282,185,330 | 2,269 |
| Average earning assets | $233,006,670 | 2,504 |
| Average equity | $7,787,000 | 5,678 |
| Average total loans | $189,599,330 | 2,179 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,904 |
| Cost of funding earning assets | 1.4258% | 1,491 |
| Net interest margin | 2.9078% | 6,747 |
| Noninterest income to average assets | 0.4725% | 4,100 |
| Noninterest expense to average assets | 3.2143% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3286% | 6,686 |
| Return on assets (ROA) | -0.3286% | 6,695 |
| Pretax return on assets | -0.3286% | 6,641 |
| Return on Equity (ROE) | -11.0656% | 7,051 |
| Retained earnings to average equity (ytd only) | -11.0656% | 6,908 |
| Net charge-offs to loans | -0.0084% | 6,324 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3881% | 472 |
| Assets per employee ($millions) | 4.0988% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7360% | 1,173 |
| Loan loss allowance to noncurrent loans | 34.8826% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 13.6914% | 187 |
| Noncurrent loans to loans | 7.8433% | 651 |
| Net loans and leases to total assets | 65.7537% | 3,073 |
| Net loans and leases to deposits | 71.9909% | 4,079 |
| Net loans and leases to core deposits | 74.8313% | 4,444 |
| Total domestic deposits to total assets | 91.3362% | 468 |
| Equity capital to assets | 2.9478% | 7,486 |
| Core capital (leverage) ratio | 2.8756% | 7,486 |
| Tier 1 risk-based capital ratio | 4.0394% | 7,489 |
| Total risk-based capital ratio | 5.3058% | 7,489 |
| Memoranda: | ||
| Average total assets | $283,605,500 | 2,278 |
| Average earning assets | $235,370,500 | 2,492 |
| Average equity | $8,422,500 | 5,482 |
| Average total loans | $191,570,000 | 2,185 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 7,232 |
| Cost of funding earning assets | 1.7630% | 1,327 |
| Net interest margin | 2.0836% | 7,435 |
| Noninterest income to average assets | 0.3288% | 5,439 |
| Noninterest expense to average assets | 3.0703% | 3,585 |
| Loan and lease loss provision to assets | 1.3688% | 1,104 |
| Net operating income to assets | -2.3123% | 7,142 |
| Return on assets (ROA) | -2.2290% | 7,133 |
| Pretax return on assets | -2.2290% | 7,094 |
| Return on Equity (ROE) | -63.0635% | 7,494 |
| Retained earnings to average equity (ytd only) | -63.0635% | 7,492 |
| Net charge-offs to loans | 2.1028% | 944 |
| Credit loss provision to net charge-offs | 94.6283% | 4,911 |
| Earnings coverage of net charge-offs (x) | -0.6523% | 6,517 |
| Efficiency ratio | 144.3657% | 242 |
| Assets per employee ($millions) | 4.0627% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7232% | 1,139 |
| Loan loss allowance to noncurrent loans | 26.4967% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 15.3359% | 154 |
| Noncurrent loans to loans | 10.2774% | 402 |
| Net loans and leases to total assets | 65.6552% | 3,535 |
| Net loans and leases to deposits | 71.9691% | 4,525 |
| Net loans and leases to core deposits | 74.6138% | 4,895 |
| Total domestic deposits to total assets | 91.2269% | 492 |
| Equity capital to assets | 2.9916% | 7,563 |
| Core capital (leverage) ratio | 2.8902% | 7,565 |
| Tier 1 risk-based capital ratio | 4.0975% | 7,561 |
| Total risk-based capital ratio | 5.3632% | 7,563 |
| Memoranda: | ||
| Average total assets | $305,021,200 | 2,127 |
| Average earning assets | $263,194,800 | 2,227 |
| Average equity | $10,781,200 | 4,913 |
| Average total loans | $209,813,200 | 2,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 7,378 |
| Cost of funding earning assets | 1.8078% | 1,385 |
| Net interest margin | 2.0409% | 7,566 |
| Noninterest income to average assets | 0.2936% | 5,782 |
| Noninterest expense to average assets | 3.0111% | 3,705 |
| Loan and lease loss provision to assets | 1.7194% | 733 |
| Net operating income to assets | -2.6608% | 7,383 |
| Return on assets (ROA) | -2.5516% | 7,374 |
| Pretax return on assets | -2.5516% | 7,329 |
| Return on Equity (ROE) | -69.7341% | 7,636 |
| Retained earnings to average equity (ytd only) | -69.7341% | 7,635 |
| Net charge-offs to loans | 2.6308% | 630 |
| Credit loss provision to net charge-offs | 94.6074% | 4,582 |
| Earnings coverage of net charge-offs (x) | -0.5180% | 6,329 |
| Efficiency ratio | 145.4829% | 223 |
| Assets per employee ($millions) | 4.1452% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 1,247 |
| Loan loss allowance to noncurrent loans | 17.8697% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 15.4791% | 142 |
| Noncurrent loans to loans | 14.3666% | 178 |
| Net loans and leases to total assets | 68.4838% | 3,102 |
| Net loans and leases to deposits | 75.1838% | 4,322 |
| Net loans and leases to core deposits | 79.6735% | 4,566 |
| Total domestic deposits to total assets | 91.0885% | 419 |
| Equity capital to assets | 3.2237% | 7,685 |
| Core capital (leverage) ratio | 3.0581% | 7,675 |
| Tier 1 risk-based capital ratio | 4.4681% | 7,668 |
| Total risk-based capital ratio | 5.7336% | 7,670 |
| Memoranda: | ||
| Average total assets | $310,178,500 | 2,130 |
| Average earning assets | $269,936,000 | 2,213 |
| Average equity | $11,349,500 | 4,848 |
| Average total loans | $214,280,250 | 2,055 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8823% | 7,440 |
| Cost of funding earning assets | 1.8575% | 1,395 |
| Net interest margin | 2.0248% | 7,639 |
| Noninterest income to average assets | 0.3680% | 5,194 |
| Noninterest expense to average assets | 3.0046% | 3,697 |
| Loan and lease loss provision to assets | 2.5249% | 445 |
| Net operating income to assets | -3.3959% | 7,565 |
| Return on assets (ROA) | -3.3865% | 7,568 |
| Pretax return on assets | -3.3865% | 7,526 |
| Return on Equity (ROE) | -89.3075% | 7,720 |
| Retained earnings to average equity (ytd only) | -89.3075% | 7,717 |
| Net charge-offs to loans | 0.8368% | 2,167 |
| Credit loss provision to net charge-offs | 439.0779% | 822 |
| Earnings coverage of net charge-offs (x) | -1.5148% | 6,176 |
| Efficiency ratio | 140.8284% | 252 |
| Assets per employee ($millions) | 4.4290% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0423% | 360 |
| Loan loss allowance to noncurrent loans | 32.0974% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 12.3175% | 256 |
| Noncurrent loans to loans | 12.5939% | 249 |
| Net loans and leases to total assets | 63.6693% | 4,323 |
| Net loans and leases to deposits | 69.4657% | 5,355 |
| Net loans and leases to core deposits | 74.7778% | 5,354 |
| Total domestic deposits to total assets | 91.6557% | 304 |
| Equity capital to assets | 3.1930% | 7,743 |
| Core capital (leverage) ratio | 3.0626% | 7,740 |
| Tier 1 risk-based capital ratio | 4.7835% | 7,716 |
| Total risk-based capital ratio | 6.0690% | 7,715 |
| Memoranda: | ||
| Average total assets | $316,849,670 | 2,101 |
| Average earning assets | $276,278,670 | 2,186 |
| Average equity | $12,014,670 | 4,675 |
| Average total loans | $217,723,000 | 2,050 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 7,453 |
| Cost of funding earning assets | 1.8709% | 1,565 |
| Net interest margin | 2.1298% | 7,683 |
| Noninterest income to average assets | 0.5307% | 3,812 |
| Noninterest expense to average assets | 2.7597% | 4,653 |
| Loan and lease loss provision to assets | 5.0660% | 155 |
| Net operating income to assets | -5.4510% | 7,802 |
| Return on assets (ROA) | -5.4320% | 7,805 |
| Pretax return on assets | -5.4320% | 7,783 |
| Return on Equity (ROE) | -132.6734% | 7,858 |
| Retained earnings to average equity (ytd only) | -132.6734% | 7,855 |
| Net charge-offs to loans | 1.7899% | 968 |
| Credit loss provision to net charge-offs | 404.8583% | 1,011 |
| Earnings coverage of net charge-offs (x) | -0.3077% | 5,211 |
| Efficiency ratio | 116.2133% | 492 |
| Assets per employee ($millions) | 4.8980% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8719% | 417 |
| Loan loss allowance to noncurrent loans | 42.8427% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 8.3880% | 573 |
| Noncurrent loans to loans | 9.0374% | 534 |
| Net loans and leases to total assets | 62.2667% | 4,704 |
| Net loans and leases to deposits | 67.6910% | 5,629 |
| Net loans and leases to core deposits | 73.0918% | 5,600 |
| Total domestic deposits to total assets | 91.9866% | 245 |
| Equity capital to assets | 3.2187% | 7,838 |
| Core capital (leverage) ratio | 3.4896% | 7,815 |
| Tier 1 risk-based capital ratio | 5.2446% | 7,786 |
| Total risk-based capital ratio | 6.5290% | 7,786 |
| Memoranda: | ||
| Average total assets | $315,831,000 | 2,155 |
| Average earning assets | $273,450,500 | 2,260 |
| Average equity | $12,931,000 | 4,491 |
| Average total loans | $220,791,500 | 2,067 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9389% | 6,621 |
| Cost of funding earning assets | 2.4358% | 1,193 |
| Net interest margin | 2.5032% | 7,424 |
| Noninterest income to average assets | 0.2749% | 6,141 |
| Noninterest expense to average assets | 2.9349% | 4,408 |
| Loan and lease loss provision to assets | 1.8012% | 1,253 |
| Net operating income to assets | -2.3356% | 7,209 |
| Return on assets (ROA) | -2.2152% | 7,171 |
| Pretax return on assets | -2.2172% | 7,027 |
| Return on Equity (ROE) | -38.1602% | 7,537 |
| Retained earnings to average equity (ytd only) | -38.1602% | 7,525 |
| Net charge-offs to loans | 1.1731% | 2,087 |
| Credit loss provision to net charge-offs | 197.7239% | 1,991 |
| Earnings coverage of net charge-offs (x) | -0.5888% | 6,743 |
| Efficiency ratio | 122.3648% | 570 |
| Assets per employee ($millions) | 4.3191% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4539% | 1,284 |
| Loan loss allowance to noncurrent loans | 28.0954% | 6,598 |
| Noncurrent assets plus other real estate owned to assets | 8.8359% | 457 |
| Noncurrent loans to loans | 8.7340% | 538 |
| Net loans and leases to total assets | 73.9548% | 2,284 |
| Net loans and leases to deposits | 82.7215% | 3,500 |
| Net loans and leases to core deposits | 102.1127% | 3,795 |
| Total domestic deposits to total assets | 89.4021% | 1,266 |
| Equity capital to assets | 5.1018% | 7,782 |
| Core capital (leverage) ratio | 5.0895% | 7,758 |
| Tier 1 risk-based capital ratio | 7.0655% | 7,740 |
| Total risk-based capital ratio | 8.3316% | 7,742 |
| Memoranda: | ||
| Average total assets | $299,021,000 | 2,223 |
| Average earning assets | $253,678,000 | 2,373 |
| Average equity | $17,358,400 | 3,601 |
| Average total loans | $232,211,200 | 2,015 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 6,436 |
| Cost of funding earning assets | 2.4879% | 1,345 |
| Net interest margin | 2.5663% | 7,389 |
| Noninterest income to average assets | 0.4217% | 5,121 |
| Noninterest expense to average assets | 2.9369% | 4,289 |
| Loan and lease loss provision to assets | 2.3909% | 707 |
| Net operating income to assets | -2.7092% | 7,518 |
| Return on assets (ROA) | -2.5672% | 7,480 |
| Pretax return on assets | -2.5698% | 7,373 |
| Return on Equity (ROE) | -42.9505% | 7,778 |
| Retained earnings to average equity (ytd only) | -42.9505% | 7,775 |
| Net charge-offs to loans | 1.5209% | 1,338 |
| Credit loss provision to net charge-offs | 201.2706% | 2,218 |
| Earnings coverage of net charge-offs (x) | -0.2702% | 6,337 |
| Efficiency ratio | 112.2688% | 728 |
| Assets per employee ($millions) | 4.4296% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4553% | 1,103 |
| Loan loss allowance to noncurrent loans | 25.1678% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 9.4776% | 385 |
| Noncurrent loans to loans | 9.7556% | 414 |
| Net loans and leases to total assets | 72.7006% | 2,858 |
| Net loans and leases to deposits | 81.0560% | 4,187 |
| Net loans and leases to core deposits | 94.8928% | 4,941 |
| Total domestic deposits to total assets | 89.6917% | 893 |
| Equity capital to assets | 4.9184% | 7,955 |
| Core capital (leverage) ratio | 4.9531% | 7,922 |
| Tier 1 risk-based capital ratio | 6.8087% | 7,915 |
| Total risk-based capital ratio | 8.0744% | 7,918 |
| Memoranda: | ||
| Average total assets | $300,351,000 | 2,225 |
| Average earning assets | $256,810,500 | 2,367 |
| Average equity | $17,952,000 | 3,545 |
| Average total loans | $234,596,500 | 2,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1256% | 6,336 |
| Cost of funding earning assets | 2.5276% | 1,515 |
| Net interest margin | 2.5980% | 7,361 |
| Noninterest income to average assets | 0.5079% | 4,379 |
| Noninterest expense to average assets | 3.2613% | 3,114 |
| Loan and lease loss provision to assets | 2.5741% | 601 |
| Net operating income to assets | -3.0614% | 7,691 |
| Return on assets (ROA) | -2.8521% | 7,640 |
| Pretax return on assets | -2.8561% | 7,527 |
| Return on Equity (ROE) | -45.0476% | 7,885 |
| Retained earnings to average equity (ytd only) | -45.0476% | 7,875 |
| Net charge-offs to loans | 1.6767% | 1,131 |
| Credit loss provision to net charge-offs | 193.5840% | 2,360 |
| Earnings coverage of net charge-offs (x) | -0.3694% | 6,005 |
| Efficiency ratio | 117.7334% | 709 |
| Assets per employee ($millions) | 3.7626% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0347% | 1,504 |
| Loan loss allowance to noncurrent loans | 32.3495% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 7.4638% | 536 |
| Noncurrent loans to loans | 6.2897% | 860 |
| Net loans and leases to total assets | 76.5976% | 2,035 |
| Net loans and leases to deposits | 86.3165% | 3,493 |
| Net loans and leases to core deposits | 101.6137% | 4,325 |
| Total domestic deposits to total assets | 88.7404% | 1,410 |
| Equity capital to assets | 5.4439% | 8,012 |
| Core capital (leverage) ratio | 5.4532% | 7,990 |
| Tier 1 risk-based capital ratio | 7.2192% | 7,988 |
| Total risk-based capital ratio | 8.4790% | 7,995 |
| Memoranda: | ||
| Average total assets | $300,063,000 | 2,259 |
| Average earning assets | $261,279,000 | 2,340 |
| Average equity | $18,997,670 | 3,391 |
| Average total loans | $237,963,000 | 2,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 6,402 |
| Cost of funding earning assets | 2.4975% | 1,925 |
| Net interest margin | 2.6756% | 7,257 |
| Noninterest income to average assets | 0.5485% | 3,932 |
| Noninterest expense to average assets | 2.9668% | 3,906 |
| Loan and lease loss provision to assets | 0.9388% | 1,383 |
| Net operating income to assets | -0.9713% | 7,240 |
| Return on assets (ROA) | -0.9191% | 7,233 |
| Pretax return on assets | -0.9270% | 7,114 |
| Return on Equity (ROE) | -13.5947% | 7,545 |
| Retained earnings to average equity (ytd only) | -13.5947% | 7,357 |
| Net charge-offs to loans | 0.6573% | 1,869 |
| Credit loss provision to net charge-offs | 178.8945% | 2,427 |
| Earnings coverage of net charge-offs (x) | -0.0779% | 5,051 |
| Efficiency ratio | 101.3970% | 1,071 |
| Assets per employee ($millions) | 3.9717% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,085 |
| Loan loss allowance to noncurrent loans | 20.6878% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 6.5925% | 550 |
| Noncurrent loans to loans | 6.2814% | 725 |
| Net loans and leases to total assets | 76.3974% | 2,189 |
| Net loans and leases to deposits | 86.9175% | 3,491 |
| Net loans and leases to core deposits | 100.2236% | 4,517 |
| Total domestic deposits to total assets | 87.8964% | 1,791 |
| Equity capital to assets | 6.5318% | 7,862 |
| Core capital (leverage) ratio | 6.6006% | 7,837 |
| Tier 1 risk-based capital ratio | 8.2513% | 7,984 |
| Total risk-based capital ratio | 9.5018% | 8,016 |
| Memoranda: | ||
| Average total assets | $303,353,000 | 2,247 |
| Average earning assets | $269,548,500 | 2,295 |
| Average equity | $20,508,000 | 3,187 |
| Average total loans | $242,209,500 | 2,007 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2506% | 4,234 |
| Cost of funding earning assets | 3.0998% | 1,509 |
| Net interest margin | 3.1508% | 6,520 |
| Noninterest income to average assets | 0.4349% | 5,172 |
| Noninterest expense to average assets | 2.9331% | 4,326 |
| Loan and lease loss provision to assets | 2.5960% | 394 |
| Net operating income to assets | -2.2753% | 7,654 |
| Return on assets (ROA) | -2.2661% | 7,619 |
| Pretax return on assets | -2.2661% | 7,524 |
| Return on Equity (ROE) | -29.0354% | 7,942 |
| Retained earnings to average equity (ytd only) | -33.6476% | 7,969 |
| Net charge-offs to loans | 3.7876% | 191 |
| Credit loss provision to net charge-offs | 83.3174% | 5,834 |
| Earnings coverage of net charge-offs (x) | 0.1029% | 6,184 |
| Efficiency ratio | 90.1451% | 1,503 |
| Assets per employee ($millions) | 3.6656% | 4,251 |
| Cash dividends to net income (ytd only)* | -15.8846% | 7,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 4,956 |
| Loan loss allowance to noncurrent loans | 24.4119% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 5.1412% | 664 |
| Noncurrent loans to loans | 4.6920% | 993 |
| Net loans and leases to total assets | 81.4472% | 1,329 |
| Net loans and leases to deposits | 95.2210% | 2,577 |
| Net loans and leases to core deposits | 110.6911% | 3,717 |
| Total domestic deposits to total assets | 85.5349% | 2,614 |
| Equity capital to assets | 6.9990% | 7,743 |
| Core capital (leverage) ratio | 6.9336% | 7,738 |
| Tier 1 risk-based capital ratio | 8.4115% | 8,011 |
| Total risk-based capital ratio | 9.5524% | 8,076 |
| Memoranda: | ||
| Average total assets | $302,817,600 | 2,189 |
| Average earning assets | $270,919,600 | 2,225 |
| Average equity | $23,633,200 | 2,774 |
| Average total loans | $249,105,400 | 1,910 |