Home > First Community Financial Bank > Performance and Condition Ratios
First Community Financial Bank, Performance and Condition Ratios
| 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 | 1.6138% | 5,697 |
| Cost of funding earning assets | 0.1981% | 4,991 |
| Net interest margin | 1.4157% | 5,692 |
| Noninterest income to average assets | 0.1053% | 5,461 |
| Noninterest expense to average assets | 0.7832% | 5,703 |
| Loan and lease loss provision to assets | 0.1451% | 1,451 |
| Net operating income to assets | 0.2997% | 5,214 |
| Return on assets (ROA) | 0.2997% | 5,237 |
| Pretax return on assets | 0.4838% | 5,063 |
| Return on Equity (ROE) | 2.5930% | 5,203 |
| Retained earnings to average equity (ytd only) | 2.5930% | 4,337 |
| Net charge-offs to loans | -0.0170% | 4,796 |
| Credit loss provision to net charge-offs | -1,090.5109% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1353% | 5,087 |
| Assets per employee ($millions) | 11.1274% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1453% | 5,662 |
| Loan loss allowance to noncurrent loans | 14.2197% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 2,123 |
| Noncurrent loans to loans | 1.0216% | 1,903 |
| Net loans and leases to total assets | 74.6796% | 1,806 |
| Net loans and leases to deposits | 97.4843% | 968 |
| Net loans and leases to core deposits | 119.3979% | 608 |
| Total domestic deposits to total assets | 76.6068% | 4,943 |
| Equity capital to assets | 16.5423% | 480 |
| Core capital (leverage) ratio | 8.9387% | 4,816 |
| Tier 1 risk-based capital ratio | 10.2102% | 5,545 |
| Total risk-based capital ratio | 10.3443% | 5,695 |
| Memoranda: | ||
| Average total assets | $1,372,992,750 | 560 |
| Average earning assets | $1,267,377,000 | 554 |
| Average equity | $158,679,000 | 523 |
| Average total loans | $1,074,080,000 | 503 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,827 |
| Cost of funding earning assets | 0.4613% | 2,493 |
| Net interest margin | 3.6397% | 2,876 |
| Noninterest income to average assets | 0.3039% | 4,361 |
| Noninterest expense to average assets | 2.1103% | 4,756 |
| Loan and lease loss provision to assets | 0.3209% | 463 |
| Net operating income to assets | 1.0840% | 2,067 |
| Return on assets (ROA) | 1.2450% | 1,484 |
| Pretax return on assets | 1.5067% | 1,607 |
| Return on Equity (ROE) | 12.8616% | 1,076 |
| Retained earnings to average equity (ytd only) | 2.2977% | 4,305 |
| Net charge-offs to loans | 0.3043% | 666 |
| Credit loss provision to net charge-offs | 132.6290% | 1,657 |
| Earnings coverage of net charge-offs (x) | 6.7514% | 2,671 |
| Efficiency ratio | 55.8885% | 4,840 |
| Assets per employee ($millions) | 9.9268% | 307 |
| Cash dividends to net income (ytd only)* | 82.1355% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,613 |
| Loan loss allowance to noncurrent loans | 175.8715% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5654% | 2,874 |
| Noncurrent loans to loans | 0.6226% | 2,866 |
| Net loans and leases to total assets | 79.3527% | 1,042 |
| Net loans and leases to deposits | 96.3712% | 1,042 |
| Net loans and leases to core deposits | 118.3321% | 627 |
| Total domestic deposits to total assets | 82.3407% | 3,788 |
| Equity capital to assets | 9.3467% | 4,569 |
| Core capital (leverage) ratio | 9.4333% | 4,196 |
| Tier 1 risk-based capital ratio | 10.7889% | 5,344 |
| Total risk-based capital ratio | 11.8085% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,329,926,000 | 584 |
| Average earning assets | $1,256,956,670 | 563 |
| Average equity | $128,739,670 | 643 |
| Average total loans | $1,057,618,670 | 508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 3,130 |
| Cost of funding earning assets | 0.4162% | 2,842 |
| Net interest margin | 3.5581% | 3,050 |
| Noninterest income to average assets | 0.2945% | 4,446 |
| Noninterest expense to average assets | 2.0504% | 4,938 |
| Loan and lease loss provision to assets | 0.1154% | 1,661 |
| Net operating income to assets | 1.3908% | 1,019 |
| Return on assets (ROA) | 1.3908% | 1,051 |
| Pretax return on assets | 1.4904% | 1,566 |
| Return on Equity (ROE) | 14.1071% | 786 |
| Retained earnings to average equity (ytd only) | 5.3682% | 2,689 |
| Net charge-offs to loans | 0.0420% | 1,987 |
| Credit loss provision to net charge-offs | 347.2222% | 716 |
| Earnings coverage of net charge-offs (x) | 48.3241% | 918 |
| Efficiency ratio | 55.7014% | 4,969 |
| Assets per employee ($millions) | 9.6688% | 338 |
| Cash dividends to net income (ytd only)* | 61.9469% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,559 |
| Loan loss allowance to noncurrent loans | 219.6471% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,311 |
| Noncurrent loans to loans | 0.5114% | 3,282 |
| Net loans and leases to total assets | 78.8397% | 1,009 |
| Net loans and leases to deposits | 94.5718% | 1,056 |
| Net loans and leases to core deposits | 116.2214% | 586 |
| Total domestic deposits to total assets | 83.3649% | 3,712 |
| Equity capital to assets | 9.7125% | 4,053 |
| Core capital (leverage) ratio | 10.0047% | 3,489 |
| Tier 1 risk-based capital ratio | 11.1725% | 5,218 |
| Total risk-based capital ratio | 12.2075% | 5,247 |
| Memoranda: | ||
| Average total assets | $1,300,014,500 | 592 |
| Average earning assets | $1,228,288,000 | 576 |
| Average equity | $128,162,000 | 646 |
| Average total loans | $1,028,921,500 | 520 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 3,293 |
| Cost of funding earning assets | 0.3988% | 3,010 |
| Net interest margin | 3.5752% | 3,166 |
| Noninterest income to average assets | 0.4382% | 3,630 |
| Noninterest expense to average assets | 2.1818% | 4,821 |
| Loan and lease loss provision to assets | 0.0931% | 2,496 |
| Net operating income to assets | 1.0730% | 2,025 |
| Return on assets (ROA) | 1.1108% | 1,952 |
| Pretax return on assets | 1.5779% | 1,349 |
| Return on Equity (ROE) | 9.8871% | 2,004 |
| Retained earnings to average equity (ytd only) | 1.1017% | 4,864 |
| Net charge-offs to loans | 0.1283% | 1,962 |
| Credit loss provision to net charge-offs | 95.0089% | 2,702 |
| Earnings coverage of net charge-offs (x) | 16.5009% | 2,101 |
| Efficiency ratio | 57.4207% | 4,913 |
| Assets per employee ($millions) | 8.8512% | 442 |
| Cash dividends to net income (ytd only)* | 88.8574% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 3,273 |
| Loan loss allowance to noncurrent loans | 199.5219% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 3,180 |
| Noncurrent loans to loans | 0.5892% | 3,081 |
| Net loans and leases to total assets | 77.6035% | 1,268 |
| Net loans and leases to deposits | 90.6738% | 1,613 |
| Net loans and leases to core deposits | 116.4082% | 599 |
| Total domestic deposits to total assets | 85.5854% | 2,789 |
| Equity capital to assets | 10.0124% | 3,711 |
| Core capital (leverage) ratio | 10.0984% | 3,373 |
| Tier 1 risk-based capital ratio | 11.6919% | 4,929 |
| Total risk-based capital ratio | 12.7668% | 4,946 |
| Memoranda: | ||
| Average total assets | $1,144,884,200 | 628 |
| Average earning assets | $1,076,182,600 | 613 |
| Average equity | $128,622,000 | 624 |
| Average total loans | $874,542,400 | 581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,429 |
| Cost of funding earning assets | 0.3950% | 3,067 |
| Net interest margin | 3.5543% | 3,256 |
| Noninterest income to average assets | 0.5050% | 3,219 |
| Noninterest expense to average assets | 2.2109% | 4,740 |
| Loan and lease loss provision to assets | 0.1056% | 2,168 |
| Net operating income to assets | 1.0936% | 2,027 |
| Return on assets (ROA) | 1.1467% | 1,925 |
| Pretax return on assets | 1.6017% | 1,373 |
| Return on Equity (ROE) | 9.9015% | 2,093 |
| Retained earnings to average equity (ytd only) | 2.3620% | 4,498 |
| Net charge-offs to loans | 0.0537% | 2,593 |
| Credit loss provision to net charge-offs | 259.7059% | 1,166 |
| Earnings coverage of net charge-offs (x) | 40.1678% | 1,242 |
| Efficiency ratio | 57.2913% | 4,920 |
| Assets per employee ($millions) | 8.1241% | 561 |
| Cash dividends to net income (ytd only)* | 76.1448% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 2,786 |
| Loan loss allowance to noncurrent loans | 144.9269% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 2,708 |
| Noncurrent loans to loans | 0.8845% | 2,491 |
| Net loans and leases to total assets | 76.1073% | 1,509 |
| Net loans and leases to deposits | 88.6213% | 1,938 |
| Net loans and leases to core deposits | 114.1802% | 712 |
| Total domestic deposits to total assets | 85.8792% | 2,419 |
| Equity capital to assets | 10.6074% | 3,446 |
| Core capital (leverage) ratio | 10.5234% | 2,970 |
| Tier 1 risk-based capital ratio | 12.4917% | 4,487 |
| Total risk-based capital ratio | 13.6927% | 4,406 |
| Memoranda: | ||
| Average total assets | $1,114,673,250 | 646 |
| Average earning assets | $1,047,320,250 | 629 |
| Average equity | $129,095,000 | 620 |
| Average total loans | $844,694,750 | 593 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,570 |
| Cost of funding earning assets | 0.3905% | 3,150 |
| Net interest margin | 3.5206% | 3,408 |
| Noninterest income to average assets | 0.2493% | 4,986 |
| Noninterest expense to average assets | 2.1696% | 4,913 |
| Loan and lease loss provision to assets | 0.0933% | 2,287 |
| Net operating income to assets | 0.8736% | 2,989 |
| Return on assets (ROA) | 0.9490% | 2,770 |
| Pretax return on assets | 1.4095% | 1,988 |
| Return on Equity (ROE) | 7.9359% | 3,009 |
| Retained earnings to average equity (ytd only) | 0.2902% | 5,212 |
| Net charge-offs to loans | 0.0488% | 2,505 |
| Credit loss provision to net charge-offs | 253.8071% | 1,086 |
| Earnings coverage of net charge-offs (x) | 37.8223% | 1,195 |
| Efficiency ratio | 60.9466% | 4,519 |
| Assets per employee ($millions) | 8.6966% | 439 |
| Cash dividends to net income (ytd only)* | 96.3429% | 564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 2,383 |
| Loan loss allowance to noncurrent loans | 458.9939% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4310% | 3,783 |
| Noncurrent loans to loans | 0.3004% | 4,294 |
| Net loans and leases to total assets | 76.7759% | 1,370 |
| Net loans and leases to deposits | 95.8798% | 1,091 |
| Net loans and leases to core deposits | 117.9229% | 575 |
| Total domestic deposits to total assets | 80.0752% | 4,520 |
| Equity capital to assets | 11.6083% | 2,435 |
| Core capital (leverage) ratio | 11.6138% | 1,899 |
| Tier 1 risk-based capital ratio | 13.3849% | 3,971 |
| Total risk-based capital ratio | 14.6359% | 3,878 |
| Memoranda: | ||
| Average total assets | $1,071,902,670 | 671 |
| Average earning assets | $1,007,950,000 | 656 |
| Average equity | $128,177,330 | 630 |
| Average total loans | $806,831,000 | 619 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 3,527 |
| Cost of funding earning assets | 0.3902% | 3,186 |
| Net interest margin | 3.5263% | 3,371 |
| Noninterest income to average assets | 0.2338% | 5,070 |
| Noninterest expense to average assets | 2.1866% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9208% | 2,645 |
| Return on assets (ROA) | 0.9208% | 2,758 |
| Pretax return on assets | 1.3587% | 2,055 |
| Return on Equity (ROE) | 7.5815% | 3,141 |
| Retained earnings to average equity (ytd only) | -1.2269% | 5,306 |
| Net charge-offs to loans | 0.2099% | 955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.7586% | 2,029 |
| Efficiency ratio | 61.6769% | 4,492 |
| Assets per employee ($millions) | 8.3228% | 505 |
| Cash dividends to net income (ytd only)* | 116.1826% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 2,141 |
| Loan loss allowance to noncurrent loans | 528.1920% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 2,972 |
| Noncurrent loans to loans | 0.2771% | 4,439 |
| Net loans and leases to total assets | 72.1927% | 2,006 |
| Net loans and leases to deposits | 86.7514% | 1,977 |
| Net loans and leases to core deposits | 103.2588% | 1,244 |
| Total domestic deposits to total assets | 83.2179% | 3,817 |
| Equity capital to assets | 12.0816% | 1,970 |
| Core capital (leverage) ratio | 11.8466% | 1,713 |
| Tier 1 risk-based capital ratio | 14.5372% | 3,374 |
| Total risk-based capital ratio | 15.7900% | 3,312 |
| Memoranda: | ||
| Average total assets | $1,046,920,500 | 688 |
| Average earning assets | $983,140,000 | 670 |
| Average equity | $127,151,000 | 632 |
| Average total loans | $773,562,500 | 646 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 3,469 |
| Cost of funding earning assets | 0.4292% | 2,857 |
| Net interest margin | 3.5314% | 3,408 |
| Noninterest income to average assets | 0.2005% | 5,387 |
| Noninterest expense to average assets | 2.0373% | 5,382 |
| Loan and lease loss provision to assets | -0.2109% | 5,993 |
| Net operating income to assets | 1.1112% | 1,872 |
| Return on assets (ROA) | 1.1431% | 1,821 |
| Pretax return on assets | 1.7474% | 898 |
| Return on Equity (ROE) | 9.2947% | 2,321 |
| Retained earnings to average equity (ytd only) | 8.4799% | 785 |
| Net charge-offs to loans | 0.0119% | 4,065 |
| Credit loss provision to net charge-offs | -2,387.3563% | 5,665 |
| Earnings coverage of net charge-offs (x) | 168.3908% | 386 |
| Efficiency ratio | 57.8004% | 5,164 |
| Assets per employee ($millions) | 8.7130% | 429 |
| Cash dividends to net income (ytd only)* | 8.7663% | 4,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,905 |
| Loan loss allowance to noncurrent loans | 794.9221% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 3,026 |
| Noncurrent loans to loans | 0.1911% | 4,722 |
| Net loans and leases to total assets | 73.3933% | 1,828 |
| Net loans and leases to deposits | 87.8635% | 1,892 |
| Net loans and leases to core deposits | 105.5331% | 1,126 |
| Total domestic deposits to total assets | 83.5311% | 3,654 |
| Equity capital to assets | 12.2101% | 1,809 |
| Core capital (leverage) ratio | 11.7121% | 1,813 |
| Tier 1 risk-based capital ratio | 14.5381% | 3,430 |
| Total risk-based capital ratio | 15.7924% | 3,337 |
| Memoranda: | ||
| Average total assets | $984,923,200 | 700 |
| Average earning assets | $927,145,800 | 682 |
| Average equity | $121,133,400 | 632 |
| Average total loans | $729,702,800 | 638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 3,515 |
| Cost of funding earning assets | 0.4336% | 2,865 |
| Net interest margin | 3.5230% | 3,454 |
| Noninterest income to average assets | 0.2019% | 5,431 |
| Noninterest expense to average assets | 2.0733% | 5,332 |
| Loan and lease loss provision to assets | -0.2143% | 6,107 |
| Net operating income to assets | 1.0895% | 2,059 |
| Return on assets (ROA) | 1.1138% | 2,025 |
| Pretax return on assets | 1.7007% | 1,102 |
| Return on Equity (ROE) | 9.0385% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.0385% | 887 |
| Net charge-offs to loans | 0.1094% | 2,030 |
| Credit loss provision to net charge-offs | -264.7458% | 5,240 |
| Earnings coverage of net charge-offs (x) | 17.9050% | 2,034 |
| Efficiency ratio | 58.8597% | 5,021 |
| Assets per employee ($millions) | 8.8574% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5817% | 1,849 |
| Loan loss allowance to noncurrent loans | 376.9403% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 3,133 |
| Noncurrent loans to loans | 0.4196% | 4,098 |
| Net loans and leases to total assets | 71.7945% | 2,094 |
| Net loans and leases to deposits | 86.3580% | 2,106 |
| Net loans and leases to core deposits | 106.1413% | 1,089 |
| Total domestic deposits to total assets | 83.1359% | 3,759 |
| Equity capital to assets | 12.2239% | 1,936 |
| Core capital (leverage) ratio | 11.8517% | 1,779 |
| Tier 1 risk-based capital ratio | 14.6663% | 3,460 |
| Total risk-based capital ratio | 15.9230% | 3,394 |
| Memoranda: | ||
| Average total assets | $971,941,750 | 717 |
| Average earning assets | $916,086,500 | 693 |
| Average equity | $119,766,750 | 641 |
| Average total loans | $718,948,750 | 652 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9678% | 3,413 |
| Cost of funding earning assets | 0.4434% | 2,800 |
| Net interest margin | 3.5244% | 3,394 |
| Noninterest income to average assets | 0.1993% | 5,488 |
| Noninterest expense to average assets | 2.1140% | 5,310 |
| Loan and lease loss provision to assets | -0.1566% | 6,143 |
| Net operating income to assets | 1.0112% | 2,334 |
| Return on assets (ROA) | 1.0140% | 2,429 |
| Pretax return on assets | 1.5611% | 1,450 |
| Return on Equity (ROE) | 8.2058% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.2058% | 1,185 |
| Net charge-offs to loans | 0.2071% | 1,221 |
| Credit loss provision to net charge-offs | -101.7663% | 4,901 |
| Earnings coverage of net charge-offs (x) | 9.0965% | 2,491 |
| Efficiency ratio | 60.1583% | 4,952 |
| Assets per employee ($millions) | 9.2749% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 1,593 |
| Loan loss allowance to noncurrent loans | 292.9936% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 2,848 |
| Noncurrent loans to loans | 0.5813% | 3,712 |
| Net loans and leases to total assets | 72.2305% | 1,940 |
| Net loans and leases to deposits | 85.5013% | 2,108 |
| Net loans and leases to core deposits | 104.1838% | 1,175 |
| Total domestic deposits to total assets | 84.4788% | 3,357 |
| Equity capital to assets | 12.1396% | 1,924 |
| Core capital (leverage) ratio | 11.8518% | 1,746 |
| Tier 1 risk-based capital ratio | 14.4227% | 3,684 |
| Total risk-based capital ratio | 15.6822% | 3,599 |
| Memoranda: | ||
| Average total assets | $956,387,330 | 734 |
| Average earning assets | $899,498,330 | 707 |
| Average equity | $118,184,670 | 653 |
| Average total loans | $710,913,330 | 659 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 3,266 |
| Cost of funding earning assets | 0.4513% | 2,756 |
| Net interest margin | 3.5383% | 3,270 |
| Noninterest income to average assets | 0.1829% | 5,618 |
| Noninterest expense to average assets | 2.1561% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8613% | 2,954 |
| Return on assets (ROA) | 0.8670% | 3,033 |
| Pretax return on assets | 1.3547% | 2,050 |
| Return on Equity (ROE) | 6.9515% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.9515% | 2,033 |
| Net charge-offs to loans | 0.0724% | 1,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 24.8583% | 1,285 |
| Efficiency ratio | 61.5703% | 4,871 |
| Assets per employee ($millions) | 8.9165% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9309% | 1,227 |
| Loan loss allowance to noncurrent loans | 221.8322% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9183% | 2,801 |
| Noncurrent loans to loans | 0.8704% | 3,069 |
| Net loans and leases to total assets | 73.3477% | 1,592 |
| Net loans and leases to deposits | 87.3046% | 1,693 |
| Net loans and leases to core deposits | 106.9272% | 880 |
| Total domestic deposits to total assets | 84.0136% | 3,812 |
| Equity capital to assets | 12.4359% | 1,731 |
| Core capital (leverage) ratio | 12.2999% | 1,460 |
| Tier 1 risk-based capital ratio | 14.5862% | 3,677 |
| Total risk-based capital ratio | 15.8424% | 3,592 |
| Memoranda: | ||
| Average total assets | $938,373,500 | 743 |
| Average earning assets | $880,199,500 | 726 |
| Average equity | $117,039,500 | 656 |
| Average total loans | $701,747,000 | 657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 2,974 |
| Cost of funding earning assets | 0.5367% | 2,315 |
| Net interest margin | 3.6578% | 3,190 |
| Noninterest income to average assets | 0.2277% | 5,494 |
| Noninterest expense to average assets | 2.2137% | 5,321 |
| Loan and lease loss provision to assets | 0.3337% | 580 |
| Net operating income to assets | 0.7317% | 3,723 |
| Return on assets (ROA) | 0.7997% | 3,474 |
| Pretax return on assets | 1.2011% | 2,648 |
| Return on Equity (ROE) | 6.4771% | 3,912 |
| Retained earnings to average equity (ytd only) | 6.4771% | 1,658 |
| Net charge-offs to loans | 0.7305% | 497 |
| Credit loss provision to net charge-offs | 61.0252% | 3,268 |
| Earnings coverage of net charge-offs (x) | 2.6210% | 4,102 |
| Efficiency ratio | 60.6985% | 5,115 |
| Assets per employee ($millions) | 8.5434% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0154% | 1,087 |
| Loan loss allowance to noncurrent loans | 198.7280% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 1.0325% | 2,680 |
| Noncurrent loans to loans | 1.0142% | 2,797 |
| Net loans and leases to total assets | 73.2675% | 1,711 |
| Net loans and leases to deposits | 87.2928% | 1,816 |
| Net loans and leases to core deposits | 104.6939% | 1,093 |
| Total domestic deposits to total assets | 83.9330% | 3,745 |
| Equity capital to assets | 12.5105% | 1,643 |
| Core capital (leverage) ratio | 11.2320% | 2,189 |
| Tier 1 risk-based capital ratio | 13.5345% | 4,391 |
| Total risk-based capital ratio | 14.7915% | 4,323 |
| Memoranda: | ||
| Average total assets | $898,936,600 | 740 |
| Average earning assets | $840,334,400 | 726 |
| Average equity | $110,990,200 | 662 |
| Average total loans | $672,928,200 | 644 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,110 |
| Cost of funding earning assets | 0.5515% | 2,274 |
| Net interest margin | 3.6131% | 3,375 |
| Noninterest income to average assets | 0.2414% | 5,479 |
| Noninterest expense to average assets | 2.1997% | 5,352 |
| Loan and lease loss provision to assets | 0.3980% | 426 |
| Net operating income to assets | 0.6717% | 4,097 |
| Return on assets (ROA) | 0.7156% | 3,961 |
| Pretax return on assets | 1.0859% | 3,242 |
| Return on Equity (ROE) | 5.8159% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.8159% | 2,522 |
| Net charge-offs to loans | 0.9204% | 349 |
| Credit loss provision to net charge-offs | 57.7556% | 2,979 |
| Earnings coverage of net charge-offs (x) | 2.0565% | 4,002 |
| Efficiency ratio | 60.8148% | 5,074 |
| Assets per employee ($millions) | 8.5626% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0128% | 1,235 |
| Loan loss allowance to noncurrent loans | 153.0002% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 1.3703% | 2,256 |
| Noncurrent loans to loans | 1.3155% | 2,452 |
| Net loans and leases to total assets | 73.7042% | 1,572 |
| Net loans and leases to deposits | 88.9409% | 1,561 |
| Net loans and leases to core deposits | 107.6400% | 868 |
| Total domestic deposits to total assets | 82.8688% | 4,190 |
| Equity capital to assets | 12.3116% | 1,819 |
| Core capital (leverage) ratio | 10.7750% | 2,722 |
| Tier 1 risk-based capital ratio | 13.0380% | 4,843 |
| Total risk-based capital ratio | 14.2889% | 4,766 |
| Memoranda: | ||
| Average total assets | $893,000,250 | 750 |
| Average earning assets | $834,323,000 | 733 |
| Average equity | $109,879,750 | 666 |
| Average total loans | $668,677,500 | 647 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 3,090 |
| Cost of funding earning assets | 0.5576% | 2,287 |
| Net interest margin | 3.6056% | 3,342 |
| Noninterest income to average assets | 0.2505% | 5,404 |
| Noninterest expense to average assets | 2.1944% | 5,427 |
| Loan and lease loss provision to assets | 0.6023% | 233 |
| Net operating income to assets | 0.5623% | 4,534 |
| Return on assets (ROA) | 0.5682% | 4,610 |
| Pretax return on assets | 0.8280% | 4,164 |
| Return on Equity (ROE) | 4.6186% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.6186% | 3,217 |
| Net charge-offs to loans | 1.2405% | 249 |
| Credit loss provision to net charge-offs | 64.9452% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.5330% | 3,781 |
| Efficiency ratio | 60.6835% | 5,198 |
| Assets per employee ($millions) | 8.4461% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1582% | 1,077 |
| Loan loss allowance to noncurrent loans | 169.4592% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 2,430 |
| Noncurrent loans to loans | 1.2736% | 2,678 |
| Net loans and leases to total assets | 70.8213% | 1,943 |
| Net loans and leases to deposits | 85.1798% | 1,905 |
| Net loans and leases to core deposits | 104.0234% | 1,012 |
| Total domestic deposits to total assets | 83.1433% | 4,247 |
| Equity capital to assets | 12.0278% | 1,960 |
| Core capital (leverage) ratio | 10.7995% | 2,623 |
| Tier 1 risk-based capital ratio | 12.6645% | 5,110 |
| Total risk-based capital ratio | 13.9174% | 5,047 |
| Memoranda: | ||
| Average total assets | $885,269,330 | 759 |
| Average earning assets | $826,334,000 | 742 |
| Average equity | $108,907,000 | 669 |
| Average total loans | $661,855,330 | 646 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,189 |
| Cost of funding earning assets | 0.5693% | 2,249 |
| Net interest margin | 3.5539% | 3,466 |
| Noninterest income to average assets | 0.2988% | 4,969 |
| Noninterest expense to average assets | 2.1499% | 5,578 |
| Loan and lease loss provision to assets | 0.9216% | 124 |
| Net operating income to assets | 0.3587% | 5,278 |
| Return on assets (ROA) | 0.3587% | 5,339 |
| Pretax return on assets | 0.5486% | 5,011 |
| Return on Equity (ROE) | 2.8816% | 5,499 |
| Retained earnings to average equity (ytd only) | 2.8816% | 4,367 |
| Net charge-offs to loans | 0.8909% | 392 |
| Credit loss provision to net charge-offs | 136.0790% | 1,340 |
| Earnings coverage of net charge-offs (x) | 2.1709% | 2,935 |
| Efficiency ratio | 59.3861% | 5,493 |
| Assets per employee ($millions) | 7.9702% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4609% | 849 |
| Loan loss allowance to noncurrent loans | 91.8441% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 2.5328% | 1,250 |
| Noncurrent loans to loans | 2.6794% | 1,263 |
| Net loans and leases to total assets | 74.5996% | 1,172 |
| Net loans and leases to deposits | 88.6002% | 1,298 |
| Net loans and leases to core deposits | 106.5675% | 736 |
| Total domestic deposits to total assets | 84.1979% | 4,211 |
| Equity capital to assets | 12.5061% | 1,574 |
| Core capital (leverage) ratio | 10.7864% | 2,616 |
| Tier 1 risk-based capital ratio | 11.6105% | 5,855 |
| Total risk-based capital ratio | 12.8704% | 5,797 |
| Memoranda: | ||
| Average total assets | $867,592,500 | 783 |
| Average earning assets | $810,826,000 | 765 |
| Average equity | $107,995,000 | 673 |
| Average total loans | $659,593,500 | 650 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,976 |
| Cost of funding earning assets | 0.6180% | 2,501 |
| Net interest margin | 3.6776% | 3,144 |
| Noninterest income to average assets | 0.1862% | 5,977 |
| Noninterest expense to average assets | 2.3217% | 5,312 |
| Loan and lease loss provision to assets | 0.9262% | 205 |
| Net operating income to assets | 1.9566% | 363 |
| Return on assets (ROA) | 1.9571% | 363 |
| Pretax return on assets | 0.3967% | 5,504 |
| Return on Equity (ROE) | 17.1666% | 493 |
| Retained earnings to average equity (ytd only) | 17.1666% | 121 |
| Net charge-offs to loans | 2.3209% | 136 |
| Credit loss provision to net charge-offs | 53.1341% | 3,748 |
| Earnings coverage of net charge-offs (x) | 0.7586% | 4,837 |
| Efficiency ratio | 63.7106% | 4,955 |
| Assets per employee ($millions) | 7.9489% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4162% | 910 |
| Loan loss allowance to noncurrent loans | 61.2869% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 3.4889% | 837 |
| Noncurrent loans to loans | 3.9424% | 740 |
| Net loans and leases to total assets | 73.7427% | 1,396 |
| Net loans and leases to deposits | 87.7035% | 1,499 |
| Net loans and leases to core deposits | 105.1499% | 843 |
| Total domestic deposits to total assets | 84.0817% | 4,130 |
| Equity capital to assets | 12.3891% | 1,572 |
| Core capital (leverage) ratio | 10.8128% | 2,566 |
| Tier 1 risk-based capital ratio | 11.6895% | 5,808 |
| Total risk-based capital ratio | 12.9265% | 5,748 |
| Memoranda: | ||
| Average total assets | $863,938,800 | 765 |
| Average earning assets | $812,314,800 | 733 |
| Average equity | $98,493,400 | 717 |
| Average total loans | $648,891,200 | 648 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2797% | 3,081 |
| Cost of funding earning assets | 0.6314% | 2,534 |
| Net interest margin | 3.6483% | 3,238 |
| Noninterest income to average assets | 0.1750% | 6,142 |
| Noninterest expense to average assets | 2.3449% | 5,195 |
| Loan and lease loss provision to assets | 0.6048% | 401 |
| Net operating income to assets | 2.6825% | 144 |
| Return on assets (ROA) | 2.6825% | 149 |
| Pretax return on assets | 0.6607% | 4,820 |
| Return on Equity (ROE) | 24.0526% | 138 |
| Retained earnings to average equity (ytd only) | 24.0526% | 54 |
| Net charge-offs to loans | 1.3573% | 384 |
| Credit loss provision to net charge-offs | 59.4144% | 3,315 |
| Earnings coverage of net charge-offs (x) | 1.2432% | 4,428 |
| Efficiency ratio | 64.9485% | 4,657 |
| Assets per employee ($millions) | 7.7848% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0557% | 514 |
| Loan loss allowance to noncurrent loans | 90.0995% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.1381% | 1,157 |
| Noncurrent loans to loans | 3.3915% | 1,143 |
| Net loans and leases to total assets | 75.5360% | 1,063 |
| Net loans and leases to deposits | 91.7392% | 1,001 |
| Net loans and leases to core deposits | 108.0029% | 670 |
| Total domestic deposits to total assets | 82.3378% | 4,810 |
| Equity capital to assets | 12.7311% | 1,460 |
| Core capital (leverage) ratio | 11.1460% | 2,344 |
| Tier 1 risk-based capital ratio | 12.4649% | 5,474 |
| Total risk-based capital ratio | 13.7112% | 5,416 |
| Memoranda: | ||
| Average total assets | $863,315,500 | 769 |
| Average earning assets | $812,928,000 | 741 |
| Average equity | $96,281,000 | 737 |
| Average total loans | $647,426,500 | 652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2602% | 3,118 |
| Cost of funding earning assets | 0.6457% | 2,533 |
| Net interest margin | 3.6145% | 3,305 |
| Noninterest income to average assets | 0.1373% | 6,366 |
| Noninterest expense to average assets | 2.2899% | 5,396 |
| Loan and lease loss provision to assets | 0.6219% | 400 |
| Net operating income to assets | 0.6348% | 4,130 |
| Return on assets (ROA) | 0.6348% | 4,281 |
| Pretax return on assets | 0.6427% | 4,865 |
| Return on Equity (ROE) | 5.9676% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.9676% | 2,464 |
| Net charge-offs to loans | 1.5382% | 338 |
| Credit loss provision to net charge-offs | 54.6117% | 3,127 |
| Earnings coverage of net charge-offs (x) | 1.1104% | 4,164 |
| Efficiency ratio | 64.4223% | 4,805 |
| Assets per employee ($millions) | 7.9401% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1839% | 485 |
| Loan loss allowance to noncurrent loans | 78.0704% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 3.4802% | 1,109 |
| Noncurrent loans to loans | 4.0782% | 943 |
| Net loans and leases to total assets | 75.2598% | 1,077 |
| Net loans and leases to deposits | 88.5186% | 1,283 |
| Net loans and leases to core deposits | 102.6043% | 907 |
| Total domestic deposits to total assets | 85.0215% | 3,882 |
| Equity capital to assets | 11.1802% | 2,573 |
| Core capital (leverage) ratio | 10.6453% | 2,724 |
| Tier 1 risk-based capital ratio | 13.0654% | 5,093 |
| Total risk-based capital ratio | 14.3377% | 5,023 |
| Memoranda: | ||
| Average total assets | $868,240,000 | 764 |
| Average earning assets | $820,860,670 | 732 |
| Average equity | $92,365,000 | 764 |
| Average total loans | $642,849,330 | 651 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 3,103 |
| Cost of funding earning assets | 0.6641% | 2,531 |
| Net interest margin | 3.5864% | 3,314 |
| Noninterest income to average assets | 0.2552% | 5,630 |
| Noninterest expense to average assets | 2.3367% | 5,316 |
| Loan and lease loss provision to assets | 0.5565% | 472 |
| Net operating income to assets | 0.7349% | 3,510 |
| Return on assets (ROA) | 0.7349% | 3,648 |
| Pretax return on assets | 0.7503% | 4,370 |
| Return on Equity (ROE) | 7.0783% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.0783% | 2,118 |
| Net charge-offs to loans | 1.3614% | 405 |
| Credit loss provision to net charge-offs | 56.5397% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.3277% | 3,388 |
| Efficiency ratio | 64.1334% | 4,991 |
| Assets per employee ($millions) | 8.2614% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4089% | 458 |
| Loan loss allowance to noncurrent loans | 70.2489% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 3.9931% | 996 |
| Noncurrent loans to loans | 4.8525% | 798 |
| Net loans and leases to total assets | 71.6379% | 1,411 |
| Net loans and leases to deposits | 82.6588% | 1,748 |
| Net loans and leases to core deposits | 95.7094% | 1,218 |
| Total domestic deposits to total assets | 86.6670% | 3,148 |
| Equity capital to assets | 10.6876% | 3,337 |
| Core capital (leverage) ratio | 10.3074% | 3,014 |
| Tier 1 risk-based capital ratio | 13.4958% | 4,875 |
| Total risk-based capital ratio | 14.7702% | 4,816 |
| Memoranda: | ||
| Average total assets | $885,506,000 | 753 |
| Average earning assets | $836,612,500 | 723 |
| Average equity | $91,942,500 | 778 |
| Average total loans | $640,233,500 | 655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7302% | 2,475 |
| Cost of funding earning assets | 0.7312% | 3,245 |
| Net interest margin | 3.9990% | 2,391 |
| Noninterest income to average assets | 0.2998% | 5,318 |
| Noninterest expense to average assets | 2.3990% | 5,410 |
| Loan and lease loss provision to assets | 0.0028% | 5,887 |
| Net operating income to assets | 1.6384% | 704 |
| Return on assets (ROA) | 1.6384% | 780 |
| Pretax return on assets | 1.6384% | 1,287 |
| Return on Equity (ROE) | 14.8082% | 845 |
| Retained earnings to average equity (ytd only) | 14.8082% | 163 |
| Net charge-offs to loans | 0.0326% | 5,463 |
| Credit loss provision to net charge-offs | 11.4286% | 5,381 |
| Earnings coverage of net charge-offs (x) | 67.2571% | 538 |
| Efficiency ratio | 59.3788% | 5,633 |
| Assets per employee ($millions) | 10.6857% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 560 |
| Loan loss allowance to noncurrent loans | 208.8794% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 3,705 |
| Noncurrent loans to loans | 1.5259% | 3,320 |
| Net loans and leases to total assets | 60.6003% | 3,496 |
| Net loans and leases to deposits | 68.0635% | 3,971 |
| Net loans and leases to core deposits | 76.1333% | 3,516 |
| Total domestic deposits to total assets | 89.0350% | 1,541 |
| Equity capital to assets | 10.0614% | 4,091 |
| Core capital (leverage) ratio | 12.0637% | 1,535 |
| Tier 1 risk-based capital ratio | 15.1239% | 3,657 |
| Total risk-based capital ratio | 16.3956% | 3,590 |
| Memoranda: | ||
| Average total assets | $143,434,400 | 3,888 |
| Average earning assets | $134,159,800 | 3,822 |
| Average equity | $15,869,600 | 3,796 |
| Average total loans | $107,228,600 | 3,350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 1,763 |
| Cost of funding earning assets | 0.8028% | 2,918 |
| Net interest margin | 4.1716% | 1,825 |
| Noninterest income to average assets | 0.3740% | 4,836 |
| Noninterest expense to average assets | 2.4664% | 5,186 |
| Loan and lease loss provision to assets | 0.1836% | 3,292 |
| Net operating income to assets | 1.6052% | 831 |
| Return on assets (ROA) | 1.6052% | 930 |
| Pretax return on assets | 1.6052% | 1,559 |
| Return on Equity (ROE) | 14.1084% | 1,088 |
| Retained earnings to average equity (ytd only) | 14.1084% | 292 |
| Net charge-offs to loans | 0.0559% | 4,869 |
| Credit loss provision to net charge-offs | 417.7778% | 643 |
| Earnings coverage of net charge-offs (x) | 40.7102% | 873 |
| Efficiency ratio | 57.9624% | 5,797 |
| Assets per employee ($millions) | 8.9784% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1849% | 605 |
| Loan loss allowance to noncurrent loans | 144.1496% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 1.8907% | 2,800 |
| Noncurrent loans to loans | 2.2095% | 2,609 |
| Net loans and leases to total assets | 75.8601% | 996 |
| Net loans and leases to deposits | 86.7740% | 1,512 |
| Net loans and leases to core deposits | 100.5555% | 1,085 |
| Total domestic deposits to total assets | 87.4226% | 2,407 |
| Equity capital to assets | 11.4567% | 2,794 |
| Core capital (leverage) ratio | 11.6914% | 1,849 |
| Tier 1 risk-based capital ratio | 13.8754% | 4,633 |
| Total risk-based capital ratio | 15.1474% | 4,569 |
| Memoranda: | ||
| Average total assets | $136,550,250 | 4,051 |
| Average earning assets | $127,047,750 | 3,996 |
| Average equity | $15,536,500 | 3,892 |
| Average total loans | $107,280,750 | 3,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 1,813 |
| Cost of funding earning assets | 0.8508% | 2,787 |
| Net interest margin | 4.1383% | 1,945 |
| Noninterest income to average assets | 0.4144% | 4,552 |
| Noninterest expense to average assets | 2.5518% | 4,954 |
| Loan and lease loss provision to assets | 0.1237% | 3,981 |
| Net operating income to assets | 1.5814% | 866 |
| Return on assets (ROA) | 1.5814% | 971 |
| Pretax return on assets | 1.5814% | 1,598 |
| Return on Equity (ROE) | 13.9336% | 1,139 |
| Retained earnings to average equity (ytd only) | 13.9336% | 352 |
| Net charge-offs to loans | 0.0474% | 4,730 |
| Credit loss provision to net charge-offs | 332.0000% | 893 |
| Earnings coverage of net charge-offs (x) | 45.7600% | 787 |
| Efficiency ratio | 59.9440% | 5,585 |
| Assets per employee ($millions) | 8.3981% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2889% | 601 |
| Loan loss allowance to noncurrent loans | 161.1418% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 2.1166% | 2,643 |
| Noncurrent loans to loans | 2.0410% | 2,901 |
| Net loans and leases to total assets | 76.5936% | 896 |
| Net loans and leases to deposits | 89.2835% | 1,219 |
| Net loans and leases to core deposits | 99.4214% | 1,139 |
| Total domestic deposits to total assets | 85.7869% | 3,468 |
| Equity capital to assets | 11.7810% | 2,337 |
| Core capital (leverage) ratio | 11.4526% | 1,935 |
| Tier 1 risk-based capital ratio | 13.7420% | 4,629 |
| Total risk-based capital ratio | 15.0141% | 4,590 |
| Memoranda: | ||
| Average total assets | $134,182,330 | 4,113 |
| Average earning assets | $124,593,330 | 4,063 |
| Average equity | $15,229,330 | 3,937 |
| Average total loans | $105,520,670 | 3,445 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 1,641 |
| Cost of funding earning assets | 0.8945% | 2,733 |
| Net interest margin | 4.1840% | 1,797 |
| Noninterest income to average assets | 0.6831% | 2,741 |
| Noninterest expense to average assets | 2.6460% | 4,638 |
| Loan and lease loss provision to assets | 0.5370% | 1,107 |
| Net operating income to assets | 1.3931% | 1,234 |
| Return on assets (ROA) | 1.3931% | 1,378 |
| Pretax return on assets | 1.3931% | 2,212 |
| Return on Equity (ROE) | 12.5126% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.5126% | 749 |
| Net charge-offs to loans | -0.0228% | 6,227 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8227% | 5,937 |
| Assets per employee ($millions) | 8.1250% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3773% | 585 |
| Loan loss allowance to noncurrent loans | 182.4032% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.9265% | 3,010 |
| Noncurrent loans to loans | 1.8516% | 3,341 |
| Net loans and leases to total assets | 75.1457% | 902 |
| Net loans and leases to deposits | 87.1019% | 1,275 |
| Net loans and leases to core deposits | 98.3345% | 1,110 |
| Total domestic deposits to total assets | 86.2733% | 3,375 |
| Equity capital to assets | 11.0002% | 2,907 |
| Core capital (leverage) ratio | 11.2361% | 2,084 |
| Tier 1 risk-based capital ratio | 13.5205% | 4,811 |
| Total risk-based capital ratio | 14.7949% | 4,777 |
| Memoranda: | ||
| Average total assets | $134,089,000 | 4,144 |
| Average earning assets | $124,760,500 | 4,093 |
| Average equity | $14,929,000 | 4,005 |
| Average total loans | $105,072,000 | 3,481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 2,121 |
| Cost of funding earning assets | 1.0332% | 3,135 |
| Net interest margin | 4.1535% | 2,219 |
| Noninterest income to average assets | 0.4102% | 4,534 |
| Noninterest expense to average assets | 2.1343% | 6,420 |
| Loan and lease loss provision to assets | 1.0566% | 873 |
| Net operating income to assets | 1.1092% | 1,798 |
| Return on assets (ROA) | 1.1092% | 1,913 |
| Pretax return on assets | 1.1092% | 2,803 |
| Return on Equity (ROE) | 9.7964% | 2,126 |
| Retained earnings to average equity (ytd only) | 9.7964% | 606 |
| Net charge-offs to loans | 0.4424% | 3,221 |
| Credit loss provision to net charge-offs | 294.1441% | 805 |
| Earnings coverage of net charge-offs (x) | 6.0293% | 2,616 |
| Efficiency ratio | 49.6331% | 6,858 |
| Assets per employee ($millions) | 7.6502% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3508% | 595 |
| Loan loss allowance to noncurrent loans | 138.2329% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 2.1537% | 2,781 |
| Noncurrent loans to loans | 2.4240% | 2,707 |
| Net loans and leases to total assets | 76.3373% | 899 |
| Net loans and leases to deposits | 88.5937% | 1,306 |
| Net loans and leases to core deposits | 98.9643% | 1,264 |
| Total domestic deposits to total assets | 86.1656% | 3,219 |
| Equity capital to assets | 11.2754% | 2,714 |
| Core capital (leverage) ratio | 10.8088% | 2,428 |
| Tier 1 risk-based capital ratio | 13.7389% | 4,530 |
| Total risk-based capital ratio | 15.0132% | 4,471 |
| Memoranda: | ||
| Average total assets | $123,602,600 | 4,299 |
| Average earning assets | $115,757,400 | 4,247 |
| Average equity | $13,995,000 | 4,109 |
| Average total loans | $100,353,200 | 3,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2129% | 2,160 |
| Cost of funding earning assets | 1.0454% | 3,353 |
| Net interest margin | 4.1675% | 2,214 |
| Noninterest income to average assets | 0.5279% | 3,670 |
| Noninterest expense to average assets | 2.2766% | 6,099 |
| Loan and lease loss provision to assets | 0.6241% | 1,571 |
| Net operating income to assets | 1.3793% | 1,203 |
| Return on assets (ROA) | 1.3793% | 1,280 |
| Pretax return on assets | 1.5356% | 1,561 |
| Return on Equity (ROE) | 12.1684% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.1684% | 483 |
| Net charge-offs to loans | 0.6348% | 2,343 |
| Credit loss provision to net charge-offs | 120.2105% | 2,702 |
| Earnings coverage of net charge-offs (x) | 4.1600% | 3,159 |
| Efficiency ratio | 51.3181% | 6,742 |
| Assets per employee ($millions) | 8.4389% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 1,271 |
| Loan loss allowance to noncurrent loans | 145.5139% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 3,702 |
| Noncurrent loans to loans | 1.7843% | 3,659 |
| Net loans and leases to total assets | 74.3518% | 1,265 |
| Net loans and leases to deposits | 85.7626% | 1,715 |
| Net loans and leases to core deposits | 97.4509% | 1,476 |
| Total domestic deposits to total assets | 86.6949% | 2,828 |
| Equity capital to assets | 10.7648% | 3,402 |
| Core capital (leverage) ratio | 10.9767% | 2,407 |
| Tier 1 risk-based capital ratio | 13.5786% | 4,677 |
| Total risk-based capital ratio | 14.8438% | 4,629 |
| Memoranda: | ||
| Average total assets | $121,990,000 | 4,363 |
| Average earning assets | $114,405,250 | 4,298 |
| Average equity | $13,827,750 | 4,159 |
| Average total loans | $99,761,250 | 3,657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1966% | 2,268 |
| Cost of funding earning assets | 1.0636% | 3,520 |
| Net interest margin | 4.1330% | 2,295 |
| Noninterest income to average assets | 0.4964% | 3,888 |
| Noninterest expense to average assets | 2.3647% | 5,947 |
| Loan and lease loss provision to assets | 0.6103% | 1,572 |
| Net operating income to assets | 1.2495% | 1,444 |
| Return on assets (ROA) | 1.2495% | 1,519 |
| Pretax return on assets | 1.3991% | 1,798 |
| Return on Equity (ROE) | 10.8152% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.8152% | 700 |
| Net charge-offs to loans | 0.5777% | 2,377 |
| Credit loss provision to net charge-offs | 125.9649% | 2,426 |
| Earnings coverage of net charge-offs (x) | 4.1474% | 2,948 |
| Efficiency ratio | 54.0614% | 6,616 |
| Assets per employee ($millions) | 7.9623% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5820% | 1,333 |
| Loan loss allowance to noncurrent loans | 101.8028% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 3,174 |
| Noncurrent loans to loans | 2.5362% | 2,851 |
| Net loans and leases to total assets | 78.6022% | 696 |
| Net loans and leases to deposits | 90.6241% | 1,207 |
| Net loans and leases to core deposits | 102.8935% | 1,121 |
| Total domestic deposits to total assets | 86.7343% | 2,895 |
| Equity capital to assets | 10.9697% | 2,992 |
| Core capital (leverage) ratio | 11.6846% | 1,791 |
| Tier 1 risk-based capital ratio | 13.0820% | 4,850 |
| Total risk-based capital ratio | 14.3477% | 4,816 |
| Memoranda: | ||
| Average total assets | $117,645,670 | 4,525 |
| Average earning assets | $110,379,670 | 4,437 |
| Average equity | $13,592,000 | 4,197 |
| Average total loans | $98,659,000 | 3,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 1,424 |
| Cost of funding earning assets | 1.1099% | 3,460 |
| Net interest margin | 4.3412% | 1,444 |
| Noninterest income to average assets | 0.4221% | 4,523 |
| Noninterest expense to average assets | 2.4865% | 5,605 |
| Loan and lease loss provision to assets | 0.5321% | 1,632 |
| Net operating income to assets | 1.4685% | 939 |
| Return on assets (ROA) | 1.4685% | 979 |
| Pretax return on assets | 1.4685% | 1,540 |
| Return on Equity (ROE) | 12.3577% | 1,366 |
| Retained earnings to average equity (ytd only) | 12.3577% | 687 |
| Net charge-offs to loans | 0.7247% | 1,767 |
| Credit loss provision to net charge-offs | 85.7143% | 3,025 |
| Earnings coverage of net charge-offs (x) | 3.2229% | 2,812 |
| Efficiency ratio | 55.4150% | 6,572 |
| Assets per employee ($millions) | 6.9060% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6528% | 1,254 |
| Loan loss allowance to noncurrent loans | 95.3003% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 2.4263% | 2,804 |
| Noncurrent loans to loans | 2.7837% | 2,717 |
| Net loans and leases to total assets | 84.8510% | 183 |
| Net loans and leases to deposits | 101.9619% | 380 |
| Net loans and leases to core deposits | 114.6552% | 577 |
| Total domestic deposits to total assets | 83.2184% | 4,842 |
| Equity capital to assets | 12.3280% | 1,725 |
| Core capital (leverage) ratio | 12.0167% | 1,557 |
| Tier 1 risk-based capital ratio | 13.8285% | 4,195 |
| Total risk-based capital ratio | 15.0953% | 4,156 |
| Memoranda: | ||
| Average total assets | $112,770,500 | 4,674 |
| Average earning assets | $105,593,000 | 4,601 |
| Average equity | $13,400,500 | 4,242 |
| Average total loans | $96,593,500 | 3,818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1625% | 3,791 |
| Cost of funding earning assets | 1.5047% | 2,609 |
| Net interest margin | 3.6578% | 4,540 |
| Noninterest income to average assets | 0.1132% | 6,835 |
| Noninterest expense to average assets | 2.4310% | 6,010 |
| Loan and lease loss provision to assets | 3.2422% | 264 |
| Net operating income to assets | -2.1431% | 7,092 |
| Return on assets (ROA) | -2.1431% | 7,109 |
| Pretax return on assets | -2.1376% | 7,070 |
| Return on Equity (ROE) | -19.7606% | 7,034 |
| Retained earnings to average equity (ytd only) | -19.7606% | 7,008 |
| Net charge-offs to loans | 3.1238% | 514 |
| Credit loss provision to net charge-offs | 125.0786% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.4261% | 5,683 |
| Efficiency ratio | 68.7580% | 4,414 |
| Assets per employee ($millions) | 8.8496% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6632% | 1,213 |
| Loan loss allowance to noncurrent loans | 78.8027% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 2.8458% | 2,460 |
| Noncurrent loans to loans | 3.3796% | 2,249 |
| Net loans and leases to total assets | 81.9636% | 451 |
| Net loans and leases to deposits | 97.9780% | 721 |
| Net loans and leases to core deposits | 104.5214% | 1,280 |
| Total domestic deposits to total assets | 83.6551% | 4,524 |
| Equity capital to assets | 11.4555% | 2,302 |
| Core capital (leverage) ratio | 11.5970% | 1,783 |
| Tier 1 risk-based capital ratio | 13.2370% | 4,425 |
| Total risk-based capital ratio | 14.5037% | 4,361 |
| Memoranda: | ||
| Average total assets | $110,449,600 | 4,705 |
| Average earning assets | $103,341,800 | 4,627 |
| Average equity | $11,978,400 | 4,615 |
| Average total loans | $91,650,600 | 4,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 4,171 |
| Cost of funding earning assets | 1.5788% | 2,517 |
| Net interest margin | 3.5514% | 5,107 |
| Noninterest income to average assets | 0.1269% | 6,921 |
| Noninterest expense to average assets | 2.5495% | 5,523 |
| Loan and lease loss provision to assets | 2.7007% | 364 |
| Net operating income to assets | -1.8078% | 7,186 |
| Return on assets (ROA) | -1.8078% | 7,200 |
| Pretax return on assets | -1.8005% | 7,138 |
| Return on Equity (ROE) | -16.9199% | 7,154 |
| Retained earnings to average equity (ytd only) | -16.9199% | 7,132 |
| Net charge-offs to loans | 1.5024% | 1,335 |
| Credit loss provision to net charge-offs | 217.4853% | 1,595 |
| Earnings coverage of net charge-offs (x) | 0.7250% | 5,331 |
| Efficiency ratio | 73.9038% | 3,341 |
| Assets per employee ($millions) | 8.7958% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2225% | 687 |
| Loan loss allowance to noncurrent loans | 37.5445% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 7.1232% | 753 |
| Noncurrent loans to loans | 8.5831% | 575 |
| Net loans and leases to total assets | 80.3166% | 693 |
| Net loans and leases to deposits | 94.2808% | 1,172 |
| Net loans and leases to core deposits | 104.2772% | 1,456 |
| Total domestic deposits to total assets | 85.1887% | 3,523 |
| Equity capital to assets | 12.3075% | 1,966 |
| Core capital (leverage) ratio | 12.7685% | 1,310 |
| Tier 1 risk-based capital ratio | 14.5483% | 3,486 |
| Total risk-based capital ratio | 15.8221% | 3,441 |
| Memoranda: | ||
| Average total assets | $109,300,750 | 4,790 |
| Average earning assets | $102,268,000 | 4,717 |
| Average equity | $11,678,250 | 4,768 |
| Average total loans | $90,344,500 | 4,102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 3,991 |
| Cost of funding earning assets | 1.6679% | 2,297 |
| Net interest margin | 3.5254% | 5,137 |
| Noninterest income to average assets | 0.0409% | 7,375 |
| Noninterest expense to average assets | 2.5274% | 5,619 |
| Loan and lease loss provision to assets | 2.9400% | 337 |
| Net operating income to assets | -2.1539% | 7,345 |
| Return on assets (ROA) | -2.1539% | 7,351 |
| Pretax return on assets | -2.1427% | 7,277 |
| Return on Equity (ROE) | -21.3051% | 7,296 |
| Retained earnings to average equity (ytd only) | -21.3051% | 7,281 |
| Net charge-offs to loans | 0.5066% | 3,010 |
| Credit loss provision to net charge-offs | 703.1111% | 535 |
| Earnings coverage of net charge-offs (x) | 1.9067% | 4,094 |
| Efficiency ratio | 76.0201% | 3,074 |
| Assets per employee ($millions) | 6.8351% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4607% | 560 |
| Loan loss allowance to noncurrent loans | 80.7220% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 3.6475% | 1,921 |
| Noncurrent loans to loans | 4.2872% | 1,729 |
| Net loans and leases to total assets | 82.1355% | 516 |
| Net loans and leases to deposits | 91.9933% | 1,532 |
| Net loans and leases to core deposits | 102.4663% | 1,784 |
| Total domestic deposits to total assets | 89.2842% | 1,290 |
| Equity capital to assets | 9.3506% | 4,929 |
| Core capital (leverage) ratio | 9.3019% | 4,120 |
| Tier 1 risk-based capital ratio | 10.6433% | 6,571 |
| Total risk-based capital ratio | 11.9196% | 6,546 |
| Memoranda: | ||
| Average total assets | $107,619,330 | 4,873 |
| Average earning assets | $100,243,000 | 4,803 |
| Average equity | $10,880,000 | 4,946 |
| Average total loans | $88,827,330 | 4,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 4,366 |
| Cost of funding earning assets | 1.7589% | 2,079 |
| Net interest margin | 3.3766% | 5,683 |
| Noninterest income to average assets | 0.0375% | 7,522 |
| Noninterest expense to average assets | 2.5705% | 5,476 |
| Loan and lease loss provision to assets | 1.4501% | 816 |
| Net operating income to assets | -0.8469% | 7,033 |
| Return on assets (ROA) | -0.8469% | 7,060 |
| Pretax return on assets | -0.8469% | 6,975 |
| Return on Equity (ROE) | -8.0664% | 7,059 |
| Retained earnings to average equity (ytd only) | -8.0664% | 6,837 |
| Net charge-offs to loans | 1.0378% | 1,589 |
| Credit loss provision to net charge-offs | 172.0000% | 2,106 |
| Earnings coverage of net charge-offs (x) | 0.7156% | 4,388 |
| Efficiency ratio | 80.9917% | 2,412 |
| Assets per employee ($millions) | 7.2381% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2671% | 1,632 |
| Loan loss allowance to noncurrent loans | 194.4284% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 5,235 |
| Noncurrent loans to loans | 1.1660% | 5,030 |
| Net loans and leases to total assets | 80.3658% | 789 |
| Net loans and leases to deposits | 90.0083% | 1,897 |
| Net loans and leases to core deposits | 101.8918% | 1,923 |
| Total domestic deposits to total assets | 89.2872% | 1,373 |
| Equity capital to assets | 10.2302% | 3,561 |
| Core capital (leverage) ratio | 10.3907% | 2,727 |
| Tier 1 risk-based capital ratio | 11.9030% | 5,299 |
| Total risk-based capital ratio | 13.1643% | 5,240 |
| Memoranda: | ||
| Average total assets | $106,748,000 | 4,959 |
| Average earning assets | $99,152,500 | 4,902 |
| Average equity | $11,207,000 | 4,923 |
| Average total loans | $86,718,500 | 4,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 6,879 |
| Cost of funding earning assets | 2.2833% | 1,716 |
| Net interest margin | 2.5486% | 7,372 |
| Noninterest income to average assets | 0.0300% | 7,591 |
| Noninterest expense to average assets | 2.7863% | 5,030 |
| Loan and lease loss provision to assets | 0.9257% | 2,424 |
| Net operating income to assets | -1.3119% | 6,768 |
| Return on assets (ROA) | -1.3119% | 6,772 |
| Pretax return on assets | -1.3119% | 6,599 |
| Return on Equity (ROE) | -9.5979% | 6,591 |
| Retained earnings to average equity (ytd only) | -9.5979% | 6,488 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0903% | 670 |
| Assets per employee ($millions) | 6.9950% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2125% | 1,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 78.4341% | 1,295 |
| Net loans and leases to deposits | 89.7743% | 2,246 |
| Net loans and leases to core deposits | 133.1688% | 1,102 |
| Total domestic deposits to total assets | 87.3681% | 2,283 |
| Equity capital to assets | 10.7763% | 2,892 |
| Core capital (leverage) ratio | 11.4328% | 1,956 |
| Tier 1 risk-based capital ratio | 12.6807% | 4,380 |
| Total risk-based capital ratio | 13.9410% | 4,307 |
| Memoranda: | ||
| Average total assets | $86,744,800 | 5,497 |
| Average earning assets | $80,672,800 | 5,434 |
| Average equity | $11,856,800 | 4,785 |
| Average total loans | $66,944,000 | 4,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 7,290 |
| Cost of funding earning assets | 2.4114% | 1,597 |
| Net interest margin | 2.2860% | 7,660 |
| Noninterest income to average assets | 0.0243% | 7,754 |
| Noninterest expense to average assets | 2.9407% | 4,271 |
| Loan and lease loss provision to assets | 0.7396% | 2,526 |
| Net operating income to assets | -1.5263% | 7,129 |
| Return on assets (ROA) | -1.5263% | 7,127 |
| Pretax return on assets | -1.5263% | 6,982 |
| Return on Equity (ROE) | -10.4603% | 6,926 |
| Retained earnings to average equity (ytd only) | -10.4603% | 6,846 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.5211% | 409 |
| Assets per employee ($millions) | 6.1450% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 1,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 76.6357% | 1,865 |
| Net loans and leases to deposits | 88.7860% | 2,825 |
| Net loans and leases to core deposits | 143.2520% | 786 |
| Total domestic deposits to total assets | 86.3152% | 2,532 |
| Equity capital to assets | 12.4589% | 1,979 |
| Core capital (leverage) ratio | 13.4400% | 1,246 |
| Tier 1 risk-based capital ratio | 15.0545% | 3,012 |
| Total risk-based capital ratio | 16.3136% | 2,951 |
| Memoranda: | ||
| Average total assets | $82,199,750 | 5,686 |
| Average earning assets | $76,580,250 | 5,614 |
| Average equity | $11,994,250 | 4,791 |
| Average total loans | $62,640,250 | 5,183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 7,404 |
| Cost of funding earning assets | 2.5810% | 1,342 |
| Net interest margin | 2.1095% | 7,804 |
| Noninterest income to average assets | 0.0177% | 7,878 |
| Noninterest expense to average assets | 2.8856% | 4,555 |
| Loan and lease loss provision to assets | 0.6060% | 2,628 |
| Net operating income to assets | -1.5113% | 7,252 |
| Return on assets (ROA) | -1.5113% | 7,253 |
| Pretax return on assets | -1.5113% | 7,093 |
| Return on Equity (ROE) | -9.7991% | 7,017 |
| Retained earnings to average equity (ytd only) | -9.7991% | 6,853 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.7106% | 392 |
| Assets per employee ($millions) | 6.1630% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.9517% | 3,241 |
| Net loans and leases to deposits | 86.5662% | 3,446 |
| Net loans and leases to core deposits | 162.2534% | 415 |
| Total domestic deposits to total assets | 83.1176% | 4,187 |
| Equity capital to assets | 14.7543% | 1,095 |
| Core capital (leverage) ratio | 14.6365% | 992 |
| Tier 1 risk-based capital ratio | 18.0822% | 1,994 |
| Total risk-based capital ratio | 19.3417% | 1,934 |
| Memoranda: | ||
| Average total assets | $78,874,670 | 5,839 |
| Average earning assets | $73,383,330 | 5,773 |
| Average equity | $12,164,330 | 4,768 |
| Average total loans | $59,469,000 | 5,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 7,450 |
| Cost of funding earning assets | 2.6879% | 1,307 |
| Net interest margin | 2.0529% | 7,873 |
| Noninterest income to average assets | 0.0204% | 7,974 |
| Noninterest expense to average assets | 2.3718% | 6,286 |
| Loan and lease loss provision to assets | 0.6236% | 2,026 |
| Net operating income to assets | -1.0581% | 7,290 |
| Return on assets (ROA) | -1.0581% | 7,300 |
| Pretax return on assets | -1.0581% | 7,175 |
| Return on Equity (ROE) | -6.7121% | 7,124 |
| Retained earnings to average equity (ytd only) | -6.7121% | 6,764 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4274% | 598 |
| Assets per employee ($millions) | 8.0177% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 1,449 |
| Loan loss allowance to noncurrent loans | 5,623.8095% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 7,547 |
| Noncurrent loans to loans | 0.0353% | 7,449 |
| Net loans and leases to total assets | 72.6942% | 3,075 |
| Net loans and leases to deposits | 90.0904% | 2,916 |
| Net loans and leases to core deposits | 152.7118% | 625 |
| Total domestic deposits to total assets | 80.6902% | 5,094 |
| Equity capital to assets | 15.2438% | 1,030 |
| Core capital (leverage) ratio | 15.4942% | 865 |
| Tier 1 risk-based capital ratio | 18.4186% | 1,956 |
| Total risk-based capital ratio | 19.6749% | 1,912 |
| Memoranda: | ||
| Average total assets | $78,252,500 | 5,885 |
| Average earning assets | $73,068,000 | 5,811 |
| Average equity | $12,336,000 | 4,742 |
| Average total loans | $59,731,000 | 5,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7073% | 8,275 |
| Cost of funding earning assets | 0.4166% | 8,201 |
| Net interest margin | 0.2907% | 8,282 |
| Noninterest income to average assets | 0.1834% | 7,135 |
| Noninterest expense to average assets | 0.9276% | 8,219 |
| Loan and lease loss provision to assets | 1.3874% | 1,001 |
| Net operating income to assets | -1.8565% | 7,571 |
| Return on assets (ROA) | -3.4470% | 7,887 |
| Pretax return on assets | -3.4470% | 7,800 |
| Return on Equity (ROE) | -21.1325% | 7,784 |
| Retained earnings to average equity (ytd only) | -21.1325% | 7,707 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.2857% | 196 |
| Assets per employee ($millions) | 7.6328% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 1,720 |
| Loan loss allowance to noncurrent loans | 437.6033% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 6,339 |
| Noncurrent loans to loans | 0.4034% | 6,138 |
| Net loans and leases to total assets | 77.2167% | 2,324 |
| Net loans and leases to deposits | 93.2180% | 2,922 |
| Net loans and leases to core deposits | 144.8108% | 1,063 |
| Total domestic deposits to total assets | 82.8346% | 3,837 |
| Equity capital to assets | 16.3112% | 882 |
| Core capital (leverage) ratio | 19.5141% | 465 |
| Tier 1 risk-based capital ratio | 18.5278% | 1,911 |
| Total risk-based capital ratio | 19.7322% | 1,869 |
| Memoranda: | ||
| Average total assets | $76,328,000 | 5,822 |
| Average earning assets | $72,247,000 | 5,732 |
| Average equity | $12,450,000 | 4,711 |
| Average total loans | $59,997,000 | 5,267 |