Home > First Covenant Bank > Performance and Condition Ratios
First Covenant Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4464% | 3,222 |
| Cost of funding earning assets | 0.0665% | 5,213 |
| Net interest margin | 4.3799% | 989 |
| Noninterest income to average assets | 1.2495% | 583 |
| Noninterest expense to average assets | 5.5358% | 158 |
| Loan and lease loss provision to assets | 0.1051% | 1,834 |
| Net operating income to assets | -0.5274% | 5,141 |
| Return on assets (ROA) | 0.6119% | 4,317 |
| Pretax return on assets | 0.7849% | 4,154 |
| Return on Equity (ROE) | 3.9954% | 4,592 |
| Retained earnings to average equity (ytd only) | 3.9954% | 3,398 |
| Net charge-offs to loans | 0.3359% | 514 |
| Credit loss provision to net charge-offs | 107.3684% | 2,127 |
| Earnings coverage of net charge-offs (x) | -5.6423% | 3,425 |
| Efficiency ratio | 111.0790% | 102 |
| Assets per employee ($millions) | 1.9055% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,035 |
| Loan loss allowance to noncurrent loans | 282.1918% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 4.7366% | 83 |
| Noncurrent loans to loans | 0.4553% | 2,940 |
| Net loans and leases to total assets | 28.1591% | 5,084 |
| Net loans and leases to deposits | 34.4143% | 5,084 |
| Net loans and leases to core deposits | 34.8250% | 5,093 |
| Total domestic deposits to total assets | 81.8238% | 3,524 |
| Equity capital to assets | 17.5793% | 425 |
| Core capital (leverage) ratio | 15.6641% | 612 |
| Tier 1 risk-based capital ratio | 38.5835% | 269 |
| Total risk-based capital ratio | 39.3950% | 273 |
| Memoranda: | ||
| Average total assets | $129,433,500 | 3,609 |
| Average earning assets | $110,349,000 | 3,747 |
| Average equity | $19,822,500 | 3,169 |
| Average total loans | $37,706,750 | 4,511 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 2,361 |
| Cost of funding earning assets | 0.0651% | 5,256 |
| Net interest margin | 4.6344% | 572 |
| Noninterest income to average assets | 2.1746% | 234 |
| Noninterest expense to average assets | 5.2330% | 186 |
| Loan and lease loss provision to assets | 0.1510% | 1,212 |
| Net operating income to assets | 0.4899% | 4,543 |
| Return on assets (ROA) | 1.2746% | 1,929 |
| Pretax return on assets | 1.6846% | 1,306 |
| Return on Equity (ROE) | 8.6784% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.6784% | 1,132 |
| Net charge-offs to loans | 0.4598% | 353 |
| Credit loss provision to net charge-offs | 112.0879% | 1,826 |
| Earnings coverage of net charge-offs (x) | 6.2527% | 2,588 |
| Efficiency ratio | 86.1355% | 542 |
| Assets per employee ($millions) | 2.3772% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,689 |
| Loan loss allowance to noncurrent loans | 186.5471% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 8.4242% | 23 |
| Noncurrent loans to loans | 0.6250% | 2,384 |
| Net loans and leases to total assets | 26.0245% | 5,154 |
| Net loans and leases to deposits | 30.8416% | 5,163 |
| Net loans and leases to core deposits | 31.1385% | 5,169 |
| Total domestic deposits to total assets | 84.3812% | 2,729 |
| Equity capital to assets | 15.1458% | 774 |
| Core capital (leverage) ratio | 14.2861% | 882 |
| Tier 1 risk-based capital ratio | 32.1264% | 414 |
| Total risk-based capital ratio | 32.7995% | 424 |
| Memoranda: | ||
| Average total assets | $135,104,000 | 3,555 |
| Average earning assets | $113,715,330 | 3,712 |
| Average equity | $19,842,330 | 3,162 |
| Average total loans | $39,586,000 | 4,510 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 682 |
| Cost of funding earning assets | 0.0610% | 5,321 |
| Net interest margin | 5.2994% | 172 |
| Noninterest income to average assets | 1.4114% | 430 |
| Noninterest expense to average assets | 5.1978% | 183 |
| Loan and lease loss provision to assets | 0.3024% | 423 |
| Net operating income to assets | 0.2461% | 4,966 |
| Return on assets (ROA) | 0.2461% | 4,972 |
| Pretax return on assets | 0.2935% | 4,966 |
| Return on Equity (ROE) | 1.7024% | 5,001 |
| Retained earnings to average equity (ytd only) | 1.7024% | 4,141 |
| Net charge-offs to loans | 0.0481% | 1,592 |
| Credit loss provision to net charge-offs | 2,040.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 1,151 |
| Efficiency ratio | 89.7134% | 404 |
| Assets per employee ($millions) | 2.2731% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,553 |
| Loan loss allowance to noncurrent loans | 330.2632% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 8.3177% | 25 |
| Noncurrent loans to loans | 0.3645% | 3,273 |
| Net loans and leases to total assets | 30.2059% | 5,146 |
| Net loans and leases to deposits | 35.5230% | 5,154 |
| Net loans and leases to core deposits | 35.8716% | 5,172 |
| Total domestic deposits to total assets | 85.0320% | 2,670 |
| Equity capital to assets | 14.5384% | 869 |
| Core capital (leverage) ratio | 14.1681% | 904 |
| Tier 1 risk-based capital ratio | 26.4971% | 653 |
| Total risk-based capital ratio | 27.7775% | 642 |
| Memoranda: | ||
| Average total assets | $134,904,500 | 3,596 |
| Average earning assets | $111,559,000 | 3,792 |
| Average equity | $19,502,000 | 3,200 |
| Average total loans | $41,539,000 | 4,501 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,648 |
| Cost of funding earning assets | 0.0242% | 5,380 |
| Net interest margin | 3.6898% | 3,073 |
| Noninterest income to average assets | 2.6857% | 178 |
| Noninterest expense to average assets | 4.7814% | 242 |
| Loan and lease loss provision to assets | -0.5069% | 5,384 |
| Net operating income to assets | 1.1866% | 2,234 |
| Return on assets (ROA) | 1.1860% | 2,232 |
| Pretax return on assets | 1.5023% | 1,777 |
| Return on Equity (ROE) | 9.6610% | 2,659 |
| Retained earnings to average equity (ytd only) | 9.6610% | 693 |
| Net charge-offs to loans | -1.8702% | 5,369 |
| Credit loss provision to net charge-offs | 98.8142% | 2,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7582% | 725 |
| Assets per employee ($millions) | 2.2614% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,819 |
| Loan loss allowance to noncurrent loans | 262.9870% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 8.8881% | 21 |
| Noncurrent loans to loans | 0.3722% | 3,207 |
| Net loans and leases to total assets | 30.7101% | 5,195 |
| Net loans and leases to deposits | 35.9859% | 5,197 |
| Net loans and leases to core deposits | 36.3031% | 5,211 |
| Total domestic deposits to total assets | 85.3393% | 2,492 |
| Equity capital to assets | 14.3721% | 873 |
| Core capital (leverage) ratio | 13.9417% | 935 |
| Tier 1 risk-based capital ratio | 25.7518% | 689 |
| Total risk-based capital ratio | 26.5128% | 711 |
| Memoranda: | ||
| Average total assets | $147,970,600 | 3,409 |
| Average earning assets | $123,988,800 | 3,587 |
| Average equity | $18,165,800 | 3,281 |
| Average total loans | $40,583,400 | 4,538 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6290% | 4,756 |
| Cost of funding earning assets | 0.0199% | 5,454 |
| Net interest margin | 3.6092% | 3,339 |
| Noninterest income to average assets | 2.7131% | 185 |
| Noninterest expense to average assets | 4.7077% | 249 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8186% | 3,845 |
| Return on assets (ROA) | 0.8179% | 3,862 |
| Pretax return on assets | 1.0404% | 3,608 |
| Return on Equity (ROE) | 6.9221% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.9221% | 2,170 |
| Net charge-offs to loans | -0.0528% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8877% | 780 |
| Assets per employee ($millions) | 2.1016% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 3,851 |
| Loan loss allowance to noncurrent loans | 264.1026% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 9.2521% | 22 |
| Noncurrent loans to loans | 0.3739% | 3,310 |
| Net loans and leases to total assets | 32.2244% | 5,240 |
| Net loans and leases to deposits | 37.7242% | 5,248 |
| Net loans and leases to core deposits | 38.0985% | 5,266 |
| Total domestic deposits to total assets | 85.4210% | 2,446 |
| Equity capital to assets | 14.0400% | 948 |
| Core capital (leverage) ratio | 12.4774% | 1,517 |
| Tier 1 risk-based capital ratio | 23.5141% | 888 |
| Total risk-based capital ratio | 24.1002% | 927 |
| Memoranda: | ||
| Average total assets | $151,607,000 | 3,402 |
| Average earning assets | $127,524,000 | 3,569 |
| Average equity | $17,913,250 | 3,327 |
| Average total loans | $40,384,250 | 4,585 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 5,056 |
| Cost of funding earning assets | 0.0207% | 5,514 |
| Net interest margin | 3.3645% | 4,062 |
| Noninterest income to average assets | 2.7225% | 186 |
| Noninterest expense to average assets | 4.4364% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1392% | 2,440 |
| Return on assets (ROA) | 1.1379% | 2,447 |
| Pretax return on assets | 1.1430% | 3,159 |
| Return on Equity (ROE) | 10.1428% | 2,502 |
| Retained earnings to average equity (ytd only) | 10.1428% | 891 |
| Net charge-offs to loans | -0.1052% | 5,179 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4964% | 1,071 |
| Assets per employee ($millions) | 2.2766% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 4,408 |
| Loan loss allowance to noncurrent loans | 192.1659% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 8.4039% | 34 |
| Noncurrent loans to loans | 0.4597% | 3,058 |
| Net loans and leases to total assets | 33.1489% | 5,264 |
| Net loans and leases to deposits | 38.1692% | 5,283 |
| Net loans and leases to core deposits | 38.1692% | 5,321 |
| Total domestic deposits to total assets | 86.8471% | 1,905 |
| Equity capital to assets | 12.8695% | 1,362 |
| Core capital (leverage) ratio | 11.5832% | 2,000 |
| Tier 1 risk-based capital ratio | 21.8351% | 1,055 |
| Total risk-based capital ratio | 22.4728% | 1,117 |
| Memoranda: | ||
| Average total assets | $159,410,000 | 3,327 |
| Average earning assets | $135,412,330 | 3,479 |
| Average equity | $17,884,670 | 3,347 |
| Average total loans | $39,938,000 | 4,641 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 5,189 |
| Cost of funding earning assets | 0.0223% | 5,579 |
| Net interest margin | 3.2339% | 4,359 |
| Noninterest income to average assets | 2.5394% | 194 |
| Noninterest expense to average assets | 4.2720% | 367 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0253% | 2,750 |
| Return on assets (ROA) | 1.0253% | 2,770 |
| Pretax return on assets | 1.0253% | 3,449 |
| Return on Equity (ROE) | 9.7382% | 2,572 |
| Retained earnings to average equity (ytd only) | 9.7382% | 1,246 |
| Net charge-offs to loans | -0.2644% | 5,428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6452% | 1,071 |
| Assets per employee ($millions) | 2.5118% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,286 |
| Loan loss allowance to noncurrent loans | 191.7808% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 7.5122% | 42 |
| Noncurrent loans to loans | 0.5818% | 2,797 |
| Net loans and leases to total assets | 23.1568% | 5,474 |
| Net loans and leases to deposits | 26.1071% | 5,488 |
| Net loans and leases to core deposits | 26.1071% | 5,497 |
| Total domestic deposits to total assets | 88.6994% | 1,258 |
| Equity capital to assets | 10.9964% | 2,583 |
| Core capital (leverage) ratio | 9.5653% | 3,998 |
| Tier 1 risk-based capital ratio | 24.2261% | 820 |
| Total risk-based capital ratio | 24.8954% | 851 |
| Memoranda: | ||
| Average total assets | $168,541,000 | 3,263 |
| Average earning assets | $143,728,500 | 3,412 |
| Average equity | $17,744,500 | 3,391 |
| Average total loans | $36,304,000 | 4,793 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9759% | 5,376 |
| Cost of funding earning assets | 0.0228% | 5,639 |
| Net interest margin | 2.9530% | 4,974 |
| Noninterest income to average assets | 1.8898% | 319 |
| Noninterest expense to average assets | 3.9269% | 595 |
| Loan and lease loss provision to assets | -0.2135% | 5,584 |
| Net operating income to assets | 1.0855% | 1,903 |
| Return on assets (ROA) | 1.4863% | 852 |
| Pretax return on assets | 1.1336% | 3,044 |
| Return on Equity (ROE) | 17.4490% | 353 |
| Retained earnings to average equity (ytd only) | 17.4490% | 57 |
| Net charge-offs to loans | -0.1147% | 5,409 |
| Credit loss provision to net charge-offs | 909.0909% | 391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3207% | 515 |
| Assets per employee ($millions) | 2.7128% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1326% | 3,171 |
| Loan loss allowance to noncurrent loans | 425.8065% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 7.0436% | 47 |
| Noncurrent loans to loans | 0.2660% | 3,834 |
| Net loans and leases to total assets | 19.6036% | 5,574 |
| Net loans and leases to deposits | 21.8549% | 5,586 |
| Net loans and leases to core deposits | 21.8923% | 5,583 |
| Total domestic deposits to total assets | 89.6989% | 685 |
| Equity capital to assets | 10.1015% | 3,596 |
| Core capital (leverage) ratio | 9.3463% | 4,232 |
| Tier 1 risk-based capital ratio | 24.3234% | 792 |
| Total risk-based capital ratio | 25.3305% | 791 |
| Memoranda: | ||
| Average total assets | $187,375,400 | 3,049 |
| Average earning assets | $162,205,200 | 3,169 |
| Average equity | $15,960,800 | 3,599 |
| Average total loans | $38,365,400 | 4,779 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0635% | 5,366 |
| Cost of funding earning assets | 0.0226% | 5,705 |
| Net interest margin | 3.0408% | 4,830 |
| Noninterest income to average assets | 1.8162% | 359 |
| Noninterest expense to average assets | 3.8680% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5834% | 4,447 |
| Return on assets (ROA) | 0.5834% | 4,487 |
| Pretax return on assets | 0.5862% | 4,871 |
| Return on Equity (ROE) | 7.1578% | 3,561 |
| Retained earnings to average equity (ytd only) | 7.1578% | 1,607 |
| Net charge-offs to loans | -0.1768% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8388% | 579 |
| Assets per employee ($millions) | 2.7868% | 5,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 356 |
| Loan loss allowance to noncurrent loans | 846.3158% | 680 |
| Noncurrent assets plus other real estate owned to assets | 6.9541% | 50 |
| Noncurrent loans to loans | 0.2688% | 3,996 |
| Net loans and leases to total assets | 19.0672% | 5,642 |
| Net loans and leases to deposits | 20.9591% | 5,652 |
| Net loans and leases to core deposits | 20.9935% | 5,653 |
| Total domestic deposits to total assets | 90.9729% | 193 |
| Equity capital to assets | 8.7477% | 5,119 |
| Core capital (leverage) ratio | 8.2122% | 5,415 |
| Tier 1 risk-based capital ratio | 21.6851% | 1,085 |
| Total risk-based capital ratio | 23.0300% | 1,050 |
| Memoranda: | ||
| Average total assets | $190,136,750 | 3,047 |
| Average earning assets | $164,950,750 | 3,168 |
| Average equity | $15,498,000 | 3,689 |
| Average total loans | $39,216,000 | 4,802 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2106% | 5,222 |
| Cost of funding earning assets | 0.0215% | 5,754 |
| Net interest margin | 3.1891% | 4,451 |
| Noninterest income to average assets | 1.7335% | 388 |
| Noninterest expense to average assets | 3.8409% | 637 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6617% | 4,022 |
| Return on assets (ROA) | 0.6617% | 4,079 |
| Pretax return on assets | 0.6617% | 4,656 |
| Return on Equity (ROE) | 8.3084% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.3084% | 1,052 |
| Net charge-offs to loans | 0.1086% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.0455% | 1,484 |
| Efficiency ratio | 85.3036% | 742 |
| Assets per employee ($millions) | 3.3082% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9164% | 701 |
| Loan loss allowance to noncurrent loans | 429.4118% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 6.4908% | 63 |
| Noncurrent loans to loans | 0.4463% | 3,415 |
| Net loans and leases to total assets | 19.1419% | 5,687 |
| Net loans and leases to deposits | 20.8560% | 5,700 |
| Net loans and leases to core deposits | 20.8874% | 5,702 |
| Total domestic deposits to total assets | 91.7816% | 91 |
| Equity capital to assets | 7.9561% | 5,555 |
| Core capital (leverage) ratio | 7.6112% | 5,632 |
| Tier 1 risk-based capital ratio | 20.8637% | 1,214 |
| Total risk-based capital ratio | 21.9281% | 1,220 |
| Memoranda: | ||
| Average total assets | $193,134,330 | 3,030 |
| Average earning assets | $167,696,330 | 3,140 |
| Average equity | $15,382,000 | 3,712 |
| Average total loans | $40,507,000 | 4,790 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 2,684 |
| Cost of funding earning assets | 0.0240% | 5,813 |
| Net interest margin | 4.0678% | 1,306 |
| Noninterest income to average assets | 2.0405% | 305 |
| Noninterest expense to average assets | 3.8145% | 670 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7490% | 499 |
| Return on assets (ROA) | 1.7490% | 506 |
| Pretax return on assets | 1.7490% | 905 |
| Return on Equity (ROE) | 21.9486% | 151 |
| Retained earnings to average equity (ytd only) | 21.9486% | 78 |
| Net charge-offs to loans | 0.1630% | 994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 49.4118% | 905 |
| Efficiency ratio | 68.5629% | 3,114 |
| Assets per employee ($millions) | 2.9431% | 5,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8656% | 847 |
| Loan loss allowance to noncurrent loans | 727.7228% | 768 |
| Noncurrent assets plus other real estate owned to assets | 6.3685% | 74 |
| Noncurrent loans to loans | 0.2564% | 4,197 |
| Net loans and leases to total assets | 19.0381% | 5,756 |
| Net loans and leases to deposits | 20.6907% | 5,765 |
| Net loans and leases to core deposits | 20.7206% | 5,766 |
| Total domestic deposits to total assets | 92.0129% | 107 |
| Equity capital to assets | 7.7183% | 5,628 |
| Core capital (leverage) ratio | 7.8386% | 5,614 |
| Tier 1 risk-based capital ratio | 20.4818% | 1,300 |
| Total risk-based capital ratio | 21.6090% | 1,292 |
| Memoranda: | ||
| Average total assets | $192,109,500 | 3,070 |
| Average earning assets | $166,379,000 | 3,185 |
| Average equity | $15,308,500 | 3,745 |
| Average total loans | $41,714,500 | 4,796 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0736% | 5,431 |
| Cost of funding earning assets | 0.0243% | 5,868 |
| Net interest margin | 3.0493% | 4,852 |
| Noninterest income to average assets | 1.9558% | 352 |
| Noninterest expense to average assets | 4.3232% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2849% | 5,250 |
| Return on assets (ROA) | 0.3630% | 5,132 |
| Pretax return on assets | 0.3630% | 5,280 |
| Return on Equity (ROE) | 4.6276% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.6276% | 2,606 |
| Net charge-offs to loans | 0.0466% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,730 |
| Efficiency ratio | 93.8173% | 387 |
| Assets per employee ($millions) | 2.7446% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 1,125 |
| Loan loss allowance to noncurrent loans | 422.4719% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 7.2733% | 61 |
| Noncurrent loans to loans | 0.4043% | 3,701 |
| Net loans and leases to total assets | 23.8929% | 5,756 |
| Net loans and leases to deposits | 26.1089% | 5,784 |
| Net loans and leases to core deposits | 26.1514% | 5,793 |
| Total domestic deposits to total assets | 91.5122% | 160 |
| Equity capital to assets | 8.2493% | 5,445 |
| Core capital (leverage) ratio | 7.7808% | 5,691 |
| Tier 1 risk-based capital ratio | 18.9461% | 1,613 |
| Total risk-based capital ratio | 20.2156% | 1,574 |
| Memoranda: | ||
| Average total assets | $189,534,000 | 3,063 |
| Average earning assets | $164,855,800 | 3,173 |
| Average equity | $14,867,200 | 3,826 |
| Average total loans | $51,536,800 | 4,535 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 5,199 |
| Cost of funding earning assets | 0.0239% | 5,935 |
| Net interest margin | 3.2889% | 4,222 |
| Noninterest income to average assets | 1.9697% | 355 |
| Noninterest expense to average assets | 4.2754% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5636% | 4,445 |
| Return on assets (ROA) | 0.6665% | 4,140 |
| Pretax return on assets | 0.6665% | 4,697 |
| Return on Equity (ROE) | 8.6024% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.6024% | 939 |
| Net charge-offs to loans | 0.0499% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 40.4938% | 1,232 |
| Efficiency ratio | 88.3537% | 657 |
| Assets per employee ($millions) | 2.8754% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 1,246 |
| Loan loss allowance to noncurrent loans | 422.3464% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 6.9941% | 75 |
| Noncurrent loans to loans | 0.3996% | 3,843 |
| Net loans and leases to total assets | 23.2033% | 5,832 |
| Net loans and leases to deposits | 25.2964% | 5,853 |
| Net loans and leases to core deposits | 25.2964% | 5,869 |
| Total domestic deposits to total assets | 91.7255% | 94 |
| Equity capital to assets | 7.9563% | 5,753 |
| Core capital (leverage) ratio | 7.3949% | 5,843 |
| Tier 1 risk-based capital ratio | 19.1494% | 1,638 |
| Total risk-based capital ratio | 20.1381% | 1,656 |
| Memoranda: | ||
| Average total assets | $191,632,000 | 3,057 |
| Average earning assets | $167,183,000 | 3,161 |
| Average equity | $14,848,250 | 3,859 |
| Average total loans | $53,413,000 | 4,511 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7169% | 4,242 |
| Cost of funding earning assets | 0.0238% | 6,014 |
| Net interest margin | 3.6931% | 2,717 |
| Noninterest income to average assets | 2.1222% | 320 |
| Noninterest expense to average assets | 4.3110% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0413% | 2,218 |
| Return on assets (ROA) | 1.1953% | 1,712 |
| Pretax return on assets | 1.1953% | 2,796 |
| Return on Equity (ROE) | 15.5642% | 600 |
| Retained earnings to average equity (ytd only) | 15.5642% | 128 |
| Net charge-offs to loans | 0.0355% | 2,740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 100.1000% | 580 |
| Efficiency ratio | 80.5442% | 1,440 |
| Assets per employee ($millions) | 3.1668% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,832 |
| Loan loss allowance to noncurrent loans | 409.6257% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 6.9450% | 82 |
| Noncurrent loans to loans | 0.3678% | 4,044 |
| Net loans and leases to total assets | 24.7068% | 5,888 |
| Net loans and leases to deposits | 26.7963% | 5,917 |
| Net loans and leases to core deposits | 26.7963% | 5,928 |
| Total domestic deposits to total assets | 92.2024% | 71 |
| Equity capital to assets | 7.5549% | 5,905 |
| Core capital (leverage) ratio | 7.5105% | 5,881 |
| Tier 1 risk-based capital ratio | 17.6233% | 2,044 |
| Total risk-based capital ratio | 18.5268% | 2,098 |
| Memoranda: | ||
| Average total assets | $192,251,000 | 3,066 |
| Average earning assets | $168,150,000 | 3,168 |
| Average equity | $14,764,670 | 3,891 |
| Average total loans | $56,287,330 | 4,465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9963% | 587 |
| Cost of funding earning assets | 0.0219% | 6,078 |
| Net interest margin | 4.9744% | 265 |
| Noninterest income to average assets | 2.2733% | 288 |
| Noninterest expense to average assets | 4.6066% | 359 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.0338% | 312 |
| Return on assets (ROA) | 2.3503% | 200 |
| Pretax return on assets | 2.3503% | 299 |
| Return on Equity (ROE) | 30.3361% | 48 |
| Retained earnings to average equity (ytd only) | 30.3361% | 26 |
| Net charge-offs to loans | 0.0474% | 2,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 135.8571% | 436 |
| Efficiency ratio | 69.3720% | 3,232 |
| Assets per employee ($millions) | 2.8182% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4852% | 2,054 |
| Loan loss allowance to noncurrent loans | 417.9348% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 7.4600% | 82 |
| Noncurrent loans to loans | 0.3554% | 4,157 |
| Net loans and leases to total assets | 26.6167% | 5,906 |
| Net loans and leases to deposits | 28.9768% | 5,943 |
| Net loans and leases to core deposits | 28.9768% | 5,955 |
| Total domestic deposits to total assets | 91.8554% | 123 |
| Equity capital to assets | 7.8456% | 5,873 |
| Core capital (leverage) ratio | 7.4699% | 5,929 |
| Tier 1 risk-based capital ratio | 17.5525% | 2,105 |
| Total risk-based capital ratio | 18.4686% | 2,176 |
| Memoranda: | ||
| Average total assets | $187,038,000 | 3,126 |
| Average earning assets | $164,200,500 | 3,226 |
| Average equity | $14,491,000 | 3,932 |
| Average total loans | $59,010,500 | 4,409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,612 |
| Cost of funding earning assets | 0.0284% | 6,130 |
| Net interest margin | 3.8985% | 2,034 |
| Noninterest income to average assets | 1.4589% | 575 |
| Noninterest expense to average assets | 4.5051% | 409 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3702% | 5,143 |
| Return on assets (ROA) | 0.6016% | 4,360 |
| Pretax return on assets | 0.6016% | 4,833 |
| Return on Equity (ROE) | 7.5485% | 3,221 |
| Retained earnings to average equity (ytd only) | 7.5485% | 1,081 |
| Net charge-offs to loans | 0.1149% | 2,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 7.4419% | 3,080 |
| Efficiency ratio | 92.4063% | 550 |
| Assets per employee ($millions) | 2.6830% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1714% | 3,637 |
| Loan loss allowance to noncurrent loans | 194.0000% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 8.0744% | 76 |
| Noncurrent loans to loans | 0.6038% | 3,358 |
| Net loans and leases to total assets | 35.8850% | 5,716 |
| Net loans and leases to deposits | 38.9590% | 5,808 |
| Net loans and leases to core deposits | 38.9590% | 5,854 |
| Total domestic deposits to total assets | 92.1098% | 102 |
| Equity capital to assets | 7.6447% | 5,957 |
| Core capital (leverage) ratio | 7.8674% | 5,885 |
| Tier 1 risk-based capital ratio | 13.8282% | 3,814 |
| Total risk-based capital ratio | 14.6127% | 4,016 |
| Memoranda: | ||
| Average total assets | $172,871,200 | 3,262 |
| Average earning assets | $151,494,600 | 3,380 |
| Average equity | $13,777,600 | 4,012 |
| Average total loans | $74,844,200 | 3,973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,837 |
| Cost of funding earning assets | 0.0296% | 6,214 |
| Net interest margin | 4.0943% | 1,419 |
| Noninterest income to average assets | 1.3796% | 650 |
| Noninterest expense to average assets | 4.4063% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5490% | 4,594 |
| Return on assets (ROA) | 0.8658% | 3,193 |
| Pretax return on assets | 0.8658% | 4,112 |
| Return on Equity (ROE) | 10.7458% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.7458% | 512 |
| Net charge-offs to loans | 0.0710% | 2,550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 17.1205% | 2,074 |
| Efficiency ratio | 88.9205% | 766 |
| Assets per employee ($millions) | 2.7315% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 4,170 |
| Loan loss allowance to noncurrent loans | 231.2676% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 9.1067% | 65 |
| Noncurrent loans to loans | 0.4797% | 3,922 |
| Net loans and leases to total assets | 41.8657% | 5,498 |
| Net loans and leases to deposits | 45.7414% | 5,659 |
| Net loans and leases to core deposits | 45.7414% | 5,737 |
| Total domestic deposits to total assets | 91.5271% | 152 |
| Equity capital to assets | 8.1383% | 5,908 |
| Core capital (leverage) ratio | 7.9268% | 5,936 |
| Tier 1 risk-based capital ratio | 12.9327% | 4,465 |
| Total risk-based capital ratio | 13.6961% | 4,700 |
| Memoranda: | ||
| Average total assets | $170,478,750 | 3,322 |
| Average earning assets | $148,885,250 | 3,450 |
| Average equity | $13,735,250 | 4,062 |
| Average total loans | $76,994,000 | 3,950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,525 |
| Cost of funding earning assets | 0.0285% | 6,293 |
| Net interest margin | 4.1779% | 1,157 |
| Noninterest income to average assets | 1.4175% | 633 |
| Noninterest expense to average assets | 4.4737% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5857% | 4,414 |
| Return on assets (ROA) | 1.0708% | 2,154 |
| Pretax return on assets | 1.0708% | 3,297 |
| Return on Equity (ROE) | 13.3369% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.3369% | 279 |
| Net charge-offs to loans | -0.0282% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4238% | 883 |
| Assets per employee ($millions) | 2.7608% | 5,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 4,333 |
| Loan loss allowance to noncurrent loans | 289.0728% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 9.4117% | 69 |
| Noncurrent loans to loans | 0.3800% | 4,346 |
| Net loans and leases to total assets | 45.9181% | 5,251 |
| Net loans and leases to deposits | 50.1074% | 5,503 |
| Net loans and leases to core deposits | 50.1074% | 5,610 |
| Total domestic deposits to total assets | 91.6393% | 166 |
| Equity capital to assets | 8.0768% | 5,946 |
| Core capital (leverage) ratio | 7.6112% | 6,066 |
| Tier 1 risk-based capital ratio | 12.0068% | 5,148 |
| Total risk-based capital ratio | 12.7788% | 5,364 |
| Memoranda: | ||
| Average total assets | $169,033,000 | 3,367 |
| Average earning assets | $147,348,000 | 3,498 |
| Average equity | $13,571,330 | 4,111 |
| Average total loans | $77,989,000 | 3,951 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2401% | 2,314 |
| Cost of funding earning assets | 0.0301% | 6,364 |
| Net interest margin | 4.2101% | 1,041 |
| Noninterest income to average assets | 1.3979% | 595 |
| Noninterest expense to average assets | 4.5033% | 427 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5620% | 4,440 |
| Return on assets (ROA) | 1.5479% | 819 |
| Pretax return on assets | 1.5479% | 1,402 |
| Return on Equity (ROE) | 19.3388% | 299 |
| Retained earnings to average equity (ytd only) | 19.3388% | 108 |
| Net charge-offs to loans | 0.0725% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 1,550 |
| Efficiency ratio | 88.9046% | 945 |
| Assets per employee ($millions) | 3.1763% | 5,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 4,607 |
| Loan loss allowance to noncurrent loans | 280.7947% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 9.3141% | 75 |
| Noncurrent loans to loans | 0.3854% | 4,438 |
| Net loans and leases to total assets | 43.5768% | 5,380 |
| Net loans and leases to deposits | 47.4143% | 5,597 |
| Net loans and leases to core deposits | 47.4143% | 5,697 |
| Total domestic deposits to total assets | 91.9064% | 155 |
| Equity capital to assets | 7.7827% | 6,105 |
| Core capital (leverage) ratio | 7.6844% | 6,075 |
| Tier 1 risk-based capital ratio | 11.9577% | 5,267 |
| Total risk-based capital ratio | 12.7164% | 5,487 |
| Memoranda: | ||
| Average total assets | $167,964,500 | 3,402 |
| Average earning assets | $146,316,500 | 3,533 |
| Average equity | $13,444,500 | 4,162 |
| Average total loans | $77,248,000 | 3,985 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 1,612 |
| Cost of funding earning assets | 0.0357% | 6,448 |
| Net interest margin | 4.5454% | 686 |
| Noninterest income to average assets | 1.0349% | 1,145 |
| Noninterest expense to average assets | 4.7351% | 380 |
| Loan and lease loss provision to assets | -0.2026% | 6,293 |
| Net operating income to assets | 0.3897% | 5,251 |
| Return on assets (ROA) | 0.3791% | 5,363 |
| Pretax return on assets | 0.3791% | 5,534 |
| Return on Equity (ROE) | 4.6847% | 4,807 |
| Retained earnings to average equity (ytd only) | 4.6847% | 2,835 |
| Net charge-offs to loans | -0.5473% | 6,402 |
| Credit loss provision to net charge-offs | 81.0474% | 2,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2001% | 492 |
| Assets per employee ($millions) | 2.8738% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 4,379 |
| Loan loss allowance to noncurrent loans | 189.0351% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 10.5043% | 81 |
| Noncurrent loans to loans | 0.5989% | 3,875 |
| Net loans and leases to total assets | 47.6253% | 5,188 |
| Net loans and leases to deposits | 52.0783% | 5,474 |
| Net loans and leases to core deposits | 52.0783% | 5,609 |
| Total domestic deposits to total assets | 91.4494% | 241 |
| Equity capital to assets | 8.2539% | 5,929 |
| Core capital (leverage) ratio | 7.8794% | 6,063 |
| Tier 1 risk-based capital ratio | 11.2336% | 5,801 |
| Total risk-based capital ratio | 11.9968% | 5,947 |
| Memoranda: | ||
| Average total assets | $160,398,400 | 3,483 |
| Average earning assets | $137,172,800 | 3,640 |
| Average equity | $12,978,400 | 4,203 |
| Average total loans | $73,274,000 | 4,086 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 1,739 |
| Cost of funding earning assets | 0.0369% | 6,530 |
| Net interest margin | 4.5009% | 735 |
| Noninterest income to average assets | 0.9881% | 1,256 |
| Noninterest expense to average assets | 4.6629% | 399 |
| Loan and lease loss provision to assets | -0.2692% | 6,441 |
| Net operating income to assets | 0.4356% | 5,125 |
| Return on assets (ROA) | 0.4241% | 5,241 |
| Pretax return on assets | 0.4241% | 5,534 |
| Return on Equity (ROE) | 5.2668% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.2668% | 2,908 |
| Net charge-offs to loans | -0.7589% | 6,503 |
| Credit loss provision to net charge-offs | 78.6925% | 2,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5529% | 485 |
| Assets per employee ($millions) | 2.7611% | 6,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 4,567 |
| Loan loss allowance to noncurrent loans | 205.1643% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 10.7883% | 80 |
| Noncurrent loans to loans | 0.5547% | 4,260 |
| Net loans and leases to total assets | 47.4120% | 5,258 |
| Net loans and leases to deposits | 51.7101% | 5,548 |
| Net loans and leases to core deposits | 51.7101% | 5,702 |
| Total domestic deposits to total assets | 91.6882% | 202 |
| Equity capital to assets | 7.9740% | 6,146 |
| Core capital (leverage) ratio | 7.7159% | 6,211 |
| Tier 1 risk-based capital ratio | 11.1442% | 5,935 |
| Total risk-based capital ratio | 11.9144% | 6,098 |
| Memoranda: | ||
| Average total assets | $160,983,250 | 3,508 |
| Average earning assets | $137,391,500 | 3,667 |
| Average equity | $12,961,500 | 4,226 |
| Average total loans | $72,558,000 | 4,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 2,299 |
| Cost of funding earning assets | 0.0393% | 6,593 |
| Net interest margin | 4.3297% | 971 |
| Noninterest income to average assets | 1.0715% | 1,040 |
| Noninterest expense to average assets | 4.6372% | 404 |
| Loan and lease loss provision to assets | -0.4031% | 6,562 |
| Net operating income to assets | 0.5271% | 4,706 |
| Return on assets (ROA) | 0.5184% | 4,829 |
| Pretax return on assets | 0.5184% | 5,231 |
| Return on Equity (ROE) | 6.4183% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.4183% | 2,081 |
| Net charge-offs to loans | -1.0823% | 6,579 |
| Credit loss provision to net charge-offs | 84.4156% | 2,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3952% | 489 |
| Assets per employee ($millions) | 2.7560% | 6,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,313 |
| Loan loss allowance to noncurrent loans | 192.2727% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 10.9680% | 82 |
| Noncurrent loans to loans | 0.6364% | 4,118 |
| Net loans and leases to total assets | 42.7234% | 5,630 |
| Net loans and leases to deposits | 46.9361% | 5,829 |
| Net loans and leases to core deposits | 46.9361% | 5,953 |
| Total domestic deposits to total assets | 91.0245% | 411 |
| Equity capital to assets | 8.5857% | 5,726 |
| Core capital (leverage) ratio | 7.5305% | 6,308 |
| Tier 1 risk-based capital ratio | 12.2361% | 5,392 |
| Total risk-based capital ratio | 13.4936% | 5,310 |
| Memoranda: | ||
| Average total assets | $161,262,670 | 3,519 |
| Average earning assets | $137,423,330 | 3,685 |
| Average equity | $13,025,330 | 4,214 |
| Average total loans | $71,143,330 | 4,199 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4312% | 2,018 |
| Cost of funding earning assets | 0.0435% | 6,669 |
| Net interest margin | 4.3877% | 822 |
| Noninterest income to average assets | 1.1484% | 843 |
| Noninterest expense to average assets | 4.5169% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3680% | 5,242 |
| Return on assets (ROA) | 0.3581% | 5,344 |
| Pretax return on assets | 0.3581% | 5,573 |
| Return on Equity (ROE) | 4.5756% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.5756% | 3,375 |
| Net charge-offs to loans | -0.0277% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4671% | 847 |
| Assets per employee ($millions) | 3.0843% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 4,977 |
| Loan loss allowance to noncurrent loans | 119.3062% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 10.5825% | 103 |
| Noncurrent loans to loans | 0.9481% | 3,518 |
| Net loans and leases to total assets | 40.0280% | 5,806 |
| Net loans and leases to deposits | 43.4700% | 5,999 |
| Net loans and leases to core deposits | 43.4700% | 6,098 |
| Total domestic deposits to total assets | 92.0819% | 227 |
| Equity capital to assets | 7.5875% | 6,284 |
| Core capital (leverage) ratio | 7.4102% | 6,368 |
| Tier 1 risk-based capital ratio | 12.0832% | 5,585 |
| Total risk-based capital ratio | 13.3077% | 5,539 |
| Memoranda: | ||
| Average total assets | $161,970,500 | 3,534 |
| Average earning assets | $137,929,500 | 3,698 |
| Average equity | $12,676,000 | 4,304 |
| Average total loans | $72,146,000 | 4,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 2,014 |
| Cost of funding earning assets | 0.0702% | 6,727 |
| Net interest margin | 4.4850% | 756 |
| Noninterest income to average assets | 1.9976% | 388 |
| Noninterest expense to average assets | 4.9229% | 367 |
| Loan and lease loss provision to assets | -0.2281% | 6,622 |
| Net operating income to assets | 1.4173% | 994 |
| Return on assets (ROA) | 1.8340% | 460 |
| Pretax return on assets | 1.6059% | 1,153 |
| Return on Equity (ROE) | 27.6839% | 93 |
| Retained earnings to average equity (ytd only) | 27.6839% | 40 |
| Net charge-offs to loans | 0.2052% | 2,828 |
| Credit loss provision to net charge-offs | -220.5882% | 6,000 |
| Earnings coverage of net charge-offs (x) | 9.2941% | 2,525 |
| Efficiency ratio | 83.6659% | 1,665 |
| Assets per employee ($millions) | 2.5204% | 6,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,318 |
| Loan loss allowance to noncurrent loans | 157.2000% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 12.0055% | 81 |
| Noncurrent loans to loans | 0.6724% | 4,296 |
| Net loans and leases to total assets | 48.6563% | 5,225 |
| Net loans and leases to deposits | 53.1306% | 5,540 |
| Net loans and leases to core deposits | 53.1306% | 5,725 |
| Total domestic deposits to total assets | 91.5786% | 381 |
| Equity capital to assets | 8.0987% | 5,939 |
| Core capital (leverage) ratio | 7.9886% | 6,143 |
| Tier 1 risk-based capital ratio | 11.6465% | 5,827 |
| Total risk-based capital ratio | 12.6910% | 5,880 |
| Memoranda: | ||
| Average total assets | $164,395,200 | 3,496 |
| Average earning assets | $142,452,200 | 3,626 |
| Average equity | $10,890,800 | 4,658 |
| Average total loans | $82,828,200 | 3,856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5237% | 2,143 |
| Cost of funding earning assets | 0.0729% | 6,812 |
| Net interest margin | 4.4508% | 805 |
| Noninterest income to average assets | 2.2605% | 346 |
| Noninterest expense to average assets | 4.7881% | 400 |
| Loan and lease loss provision to assets | -0.0596% | 6,563 |
| Net operating income to assets | 1.4137% | 1,073 |
| Return on assets (ROA) | 1.9639% | 400 |
| Pretax return on assets | 1.9639% | 626 |
| Return on Equity (ROE) | 31.2105% | 61 |
| Retained earnings to average equity (ytd only) | 31.2105% | 29 |
| Net charge-offs to loans | 0.0832% | 3,763 |
| Credit loss provision to net charge-offs | -141.5094% | 5,840 |
| Earnings coverage of net charge-offs (x) | 32.1343% | 1,182 |
| Efficiency ratio | 77.9547% | 2,428 |
| Assets per employee ($millions) | 2.7281% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 3,275 |
| Loan loss allowance to noncurrent loans | 134.2634% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 11.7994% | 96 |
| Noncurrent loans to loans | 1.1472% | 3,513 |
| Net loans and leases to total assets | 47.7783% | 5,374 |
| Net loans and leases to deposits | 51.5951% | 5,740 |
| Net loans and leases to core deposits | 51.8232% | 5,897 |
| Total domestic deposits to total assets | 92.6024% | 164 |
| Equity capital to assets | 7.0590% | 6,532 |
| Core capital (leverage) ratio | 7.2130% | 6,541 |
| Tier 1 risk-based capital ratio | 11.1769% | 6,203 |
| Total risk-based capital ratio | 12.3900% | 6,186 |
| Memoranda: | ||
| Average total assets | $167,688,500 | 3,485 |
| Average earning assets | $146,247,250 | 3,604 |
| Average equity | $10,551,750 | 4,784 |
| Average total loans | $84,944,000 | 3,841 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,955 |
| Cost of funding earning assets | 0.0764% | 6,857 |
| Net interest margin | 4.4930% | 714 |
| Noninterest income to average assets | 2.6917% | 291 |
| Noninterest expense to average assets | 4.6995% | 448 |
| Loan and lease loss provision to assets | -0.0883% | 6,695 |
| Net operating income to assets | 2.0279% | 342 |
| Return on assets (ROA) | 2.0855% | 325 |
| Pretax return on assets | 2.0855% | 509 |
| Return on Equity (ROE) | 34.4691% | 49 |
| Retained earnings to average equity (ytd only) | 34.4691% | 24 |
| Net charge-offs to loans | -0.1903% | 6,650 |
| Credit loss provision to net charge-offs | 90.3614% | 2,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7853% | 3,678 |
| Assets per employee ($millions) | 2.9088% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 3,371 |
| Loan loss allowance to noncurrent loans | 26.1984% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 11.1731% | 120 |
| Noncurrent loans to loans | 5.9105% | 491 |
| Net loans and leases to total assets | 49.6070% | 5,147 |
| Net loans and leases to deposits | 53.2773% | 5,582 |
| Net loans and leases to core deposits | 53.2773% | 5,806 |
| Total domestic deposits to total assets | 93.1108% | 117 |
| Equity capital to assets | 6.5215% | 6,684 |
| Core capital (leverage) ratio | 6.3594% | 6,716 |
| Tier 1 risk-based capital ratio | 10.2029% | 6,590 |
| Total risk-based capital ratio | 11.6730% | 6,500 |
| Memoranda: | ||
| Average total assets | $169,932,000 | 3,460 |
| Average earning assets | $149,298,330 | 3,569 |
| Average equity | $10,281,670 | 4,878 |
| Average total loans | $87,223,330 | 3,785 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 2,470 |
| Cost of funding earning assets | 0.0837% | 6,931 |
| Net interest margin | 4.3306% | 906 |
| Noninterest income to average assets | 1.8215% | 493 |
| Noninterest expense to average assets | 4.5633% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0527% | 2,025 |
| Return on assets (ROA) | 1.0716% | 2,071 |
| Pretax return on assets | 1.0716% | 3,068 |
| Return on Equity (ROE) | 18.4399% | 405 |
| Retained earnings to average equity (ytd only) | 18.4399% | 183 |
| Net charge-offs to loans | -0.6575% | 6,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2553% | 2,159 |
| Assets per employee ($millions) | 2.9988% | 5,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7139% | 2,951 |
| Loan loss allowance to noncurrent loans | 28.2405% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 11.2435% | 146 |
| Noncurrent loans to loans | 6.0690% | 544 |
| Net loans and leases to total assets | 47.8073% | 5,247 |
| Net loans and leases to deposits | 50.8501% | 5,723 |
| Net loans and leases to core deposits | 50.9419% | 5,900 |
| Total domestic deposits to total assets | 94.0162% | 74 |
| Equity capital to assets | 5.6802% | 6,849 |
| Core capital (leverage) ratio | 5.5256% | 6,841 |
| Tier 1 risk-based capital ratio | 8.8409% | 6,822 |
| Total risk-based capital ratio | 10.0966% | 6,824 |
| Memoranda: | ||
| Average total assets | $169,089,500 | 3,516 |
| Average earning assets | $148,154,500 | 3,624 |
| Average equity | $9,826,500 | 5,030 |
| Average total loans | $87,598,500 | 3,799 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9120% | 1,800 |
| Cost of funding earning assets | 0.2829% | 6,536 |
| Net interest margin | 4.6291% | 743 |
| Noninterest income to average assets | 1.2124% | 1,069 |
| Noninterest expense to average assets | 4.9253% | 395 |
| Loan and lease loss provision to assets | -0.0774% | 6,905 |
| Net operating income to assets | 0.4075% | 5,067 |
| Return on assets (ROA) | 0.4520% | 5,121 |
| Pretax return on assets | 0.4520% | 5,420 |
| Return on Equity (ROE) | 8.0924% | 3,047 |
| Retained earnings to average equity (ytd only) | 8.0924% | 1,090 |
| Net charge-offs to loans | 0.1212% | 4,477 |
| Credit loss provision to net charge-offs | -106.8376% | 6,338 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 3,330 |
| Efficiency ratio | 90.5503% | 1,017 |
| Assets per employee ($millions) | 2.7331% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4932% | 3,777 |
| Loan loss allowance to noncurrent loans | 25.3379% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 13.0214% | 111 |
| Noncurrent loans to loans | 5.8932% | 612 |
| Net loans and leases to total assets | 54.4533% | 4,557 |
| Net loans and leases to deposits | 58.1008% | 5,233 |
| Net loans and leases to core deposits | 58.3146% | 5,514 |
| Total domestic deposits to total assets | 93.7222% | 79 |
| Equity capital to assets | 5.9553% | 6,897 |
| Core capital (leverage) ratio | 5.7084% | 6,881 |
| Tier 1 risk-based capital ratio | 8.1381% | 6,905 |
| Total risk-based capital ratio | 9.3209% | 6,913 |
| Memoranda: | ||
| Average total assets | $161,491,400 | 3,597 |
| Average earning assets | $141,043,600 | 3,707 |
| Average equity | $9,020,800 | 5,218 |
| Average total loans | $96,564,800 | 3,604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 1,738 |
| Cost of funding earning assets | 0.3257% | 6,485 |
| Net interest margin | 4.6555% | 737 |
| Noninterest income to average assets | 1.1645% | 1,124 |
| Noninterest expense to average assets | 4.9444% | 376 |
| Loan and lease loss provision to assets | -0.1032% | 7,039 |
| Net operating income to assets | 0.3937% | 5,272 |
| Return on assets (ROA) | 0.3483% | 5,641 |
| Pretax return on assets | 0.3483% | 5,849 |
| Return on Equity (ROE) | 6.3395% | 4,146 |
| Retained earnings to average equity (ytd only) | 6.3395% | 2,463 |
| Net charge-offs to loans | 0.1504% | 3,907 |
| Credit loss provision to net charge-offs | -112.6126% | 6,259 |
| Earnings coverage of net charge-offs (x) | 3.1711% | 3,762 |
| Efficiency ratio | 91.5813% | 912 |
| Assets per employee ($millions) | 2.8319% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,485 |
| Loan loss allowance to noncurrent loans | 21.5229% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 12.4607% | 147 |
| Noncurrent loans to loans | 6.3825% | 605 |
| Net loans and leases to total assets | 57.4504% | 4,211 |
| Net loans and leases to deposits | 61.0199% | 5,082 |
| Net loans and leases to core deposits | 61.2355% | 5,433 |
| Total domestic deposits to total assets | 94.1503% | 65 |
| Equity capital to assets | 5.5235% | 7,018 |
| Core capital (leverage) ratio | 5.2179% | 7,006 |
| Tier 1 risk-based capital ratio | 7.2044% | 7,036 |
| Total risk-based capital ratio | 8.3181% | 7,044 |
| Memoranda: | ||
| Average total assets | $161,551,750 | 3,626 |
| Average earning assets | $141,248,500 | 3,750 |
| Average equity | $8,875,250 | 5,304 |
| Average total loans | $98,421,750 | 3,604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 1,334 |
| Cost of funding earning assets | 0.3818% | 6,370 |
| Net interest margin | 4.7878% | 571 |
| Noninterest income to average assets | 1.2473% | 917 |
| Noninterest expense to average assets | 5.0630% | 357 |
| Loan and lease loss provision to assets | -0.1565% | 7,136 |
| Net operating income to assets | 0.5184% | 4,729 |
| Return on assets (ROA) | 0.4746% | 5,180 |
| Pretax return on assets | 0.4746% | 5,505 |
| Return on Equity (ROE) | 8.6556% | 2,965 |
| Retained earnings to average equity (ytd only) | 8.6556% | 1,395 |
| Net charge-offs to loans | 0.1073% | 4,112 |
| Credit loss provision to net charge-offs | -235.8491% | 6,168 |
| Earnings coverage of net charge-offs (x) | 5.4528% | 2,833 |
| Efficiency ratio | 90.5355% | 1,035 |
| Assets per employee ($millions) | 2.9458% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 4,267 |
| Loan loss allowance to noncurrent loans | 20.3057% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 12.8878% | 151 |
| Noncurrent loans to loans | 7.1159% | 540 |
| Net loans and leases to total assets | 57.6800% | 4,221 |
| Net loans and leases to deposits | 61.3270% | 5,088 |
| Net loans and leases to core deposits | 61.6928% | 5,418 |
| Total domestic deposits to total assets | 94.0532% | 76 |
| Equity capital to assets | 5.5880% | 7,055 |
| Core capital (leverage) ratio | 5.3627% | 7,041 |
| Tier 1 risk-based capital ratio | 7.2032% | 7,086 |
| Total risk-based capital ratio | 8.3745% | 7,089 |
| Memoranda: | ||
| Average total assets | $159,707,330 | 3,666 |
| Average earning assets | $139,353,000 | 3,797 |
| Average equity | $8,757,330 | 5,336 |
| Average total loans | $98,786,330 | 3,601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 2,277 |
| Cost of funding earning assets | 0.4420% | 6,198 |
| Net interest margin | 4.4497% | 1,111 |
| Noninterest income to average assets | 1.6578% | 536 |
| Noninterest expense to average assets | 5.3043% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2241% | 5,910 |
| Return on assets (ROA) | 0.1808% | 6,180 |
| Pretax return on assets | 0.1808% | 6,233 |
| Return on Equity (ROE) | 3.3306% | 5,578 |
| Retained earnings to average equity (ytd only) | 3.3306% | 4,565 |
| Net charge-offs to loans | 0.1441% | 3,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.4444% | 3,203 |
| Efficiency ratio | 93.1368% | 874 |
| Assets per employee ($millions) | 3.0124% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5857% | 3,777 |
| Loan loss allowance to noncurrent loans | 21.9540% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 13.2890% | 158 |
| Noncurrent loans to loans | 7.2230% | 598 |
| Net loans and leases to total assets | 58.6403% | 3,931 |
| Net loans and leases to deposits | 62.1548% | 4,891 |
| Net loans and leases to core deposits | 62.4069% | 5,284 |
| Total domestic deposits to total assets | 94.3455% | 77 |
| Equity capital to assets | 5.3250% | 7,119 |
| Core capital (leverage) ratio | 5.2420% | 7,096 |
| Tier 1 risk-based capital ratio | 7.0034% | 7,132 |
| Total risk-based capital ratio | 8.2537% | 7,133 |
| Memoranda: | ||
| Average total assets | $157,080,000 | 3,743 |
| Average earning assets | $136,639,500 | 3,872 |
| Average equity | $8,527,000 | 5,420 |
| Average total loans | $99,907,000 | 3,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 3,897 |
| Cost of funding earning assets | 0.7002% | 5,540 |
| Net interest margin | 4.0812% | 2,523 |
| Noninterest income to average assets | 0.9694% | 1,453 |
| Noninterest expense to average assets | 5.2911% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.7997% | 6,655 |
| Return on assets (ROA) | -1.0427% | 6,777 |
| Pretax return on assets | -1.0427% | 6,750 |
| Return on Equity (ROE) | -18.1667% | 6,955 |
| Retained earnings to average equity (ytd only) | -18.1667% | 6,940 |
| Net charge-offs to loans | 0.3979% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -3.0416% | 6,325 |
| Efficiency ratio | 114.3266% | 362 |
| Assets per employee ($millions) | 2.8054% | 6,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,890 |
| Loan loss allowance to noncurrent loans | 18.2801% | 6,663 |
| Noncurrent assets plus other real estate owned to assets | 15.2497% | 107 |
| Noncurrent loans to loans | 8.3635% | 458 |
| Net loans and leases to total assets | 66.8781% | 2,613 |
| Net loans and leases to deposits | 71.1347% | 3,931 |
| Net loans and leases to core deposits | 72.4745% | 4,447 |
| Total domestic deposits to total assets | 94.0162% | 94 |
| Equity capital to assets | 5.5396% | 7,127 |
| Core capital (leverage) ratio | 5.4590% | 7,100 |
| Tier 1 risk-based capital ratio | 6.8268% | 7,166 |
| Total risk-based capital ratio | 8.0781% | 7,166 |
| Memoranda: | ||
| Average total assets | $155,562,800 | 3,711 |
| Average earning assets | $134,248,400 | 3,847 |
| Average equity | $8,928,400 | 5,299 |
| Average total loans | $102,779,200 | 3,549 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 4,590 |
| Cost of funding earning assets | 0.7493% | 5,471 |
| Net interest margin | 3.9213% | 3,271 |
| Noninterest income to average assets | 0.8464% | 1,854 |
| Noninterest expense to average assets | 5.1874% | 317 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.9588% | 6,869 |
| Return on assets (ROA) | -1.1078% | 6,949 |
| Pretax return on assets | -1.1078% | 6,911 |
| Return on Equity (ROE) | -19.1406% | 7,088 |
| Retained earnings to average equity (ytd only) | -19.1406% | 7,071 |
| Net charge-offs to loans | 0.3594% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -4.0650% | 6,082 |
| Efficiency ratio | 119.0093% | 317 |
| Assets per employee ($millions) | 2.8168% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,162 |
| Loan loss allowance to noncurrent loans | 20.0329% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 15.0889% | 129 |
| Noncurrent loans to loans | 8.6413% | 482 |
| Net loans and leases to total assets | 62.4379% | 3,622 |
| Net loans and leases to deposits | 66.5026% | 4,825 |
| Net loans and leases to core deposits | 67.9747% | 5,182 |
| Total domestic deposits to total assets | 93.8879% | 87 |
| Equity capital to assets | 5.5918% | 7,219 |
| Core capital (leverage) ratio | 5.4219% | 7,193 |
| Tier 1 risk-based capital ratio | 7.1521% | 7,236 |
| Total risk-based capital ratio | 8.4249% | 7,233 |
| Memoranda: | ||
| Average total assets | $156,580,500 | 3,714 |
| Average earning assets | $135,055,000 | 3,861 |
| Average equity | $9,062,500 | 5,290 |
| Average total loans | $102,752,000 | 3,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 3,949 |
| Cost of funding earning assets | 0.8073% | 5,319 |
| Net interest margin | 4.0232% | 2,725 |
| Noninterest income to average assets | 0.9966% | 1,329 |
| Noninterest expense to average assets | 5.1599% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.6937% | 6,811 |
| Return on assets (ROA) | -0.9355% | 6,927 |
| Pretax return on assets | -0.9355% | 6,874 |
| Return on Equity (ROE) | -15.9858% | 7,086 |
| Retained earnings to average equity (ytd only) | -15.9858% | 7,061 |
| Net charge-offs to loans | 0.3090% | 3,327 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -3.3851% | 5,765 |
| Efficiency ratio | 112.0832% | 441 |
| Assets per employee ($millions) | 2.9491% | 6,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 2,930 |
| Loan loss allowance to noncurrent loans | 21.4741% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 15.0514% | 145 |
| Noncurrent loans to loans | 8.4621% | 508 |
| Net loans and leases to total assets | 62.9485% | 3,689 |
| Net loans and leases to deposits | 67.2672% | 4,820 |
| Net loans and leases to core deposits | 68.7477% | 5,213 |
| Total domestic deposits to total assets | 93.5798% | 97 |
| Equity capital to assets | 5.8245% | 7,268 |
| Core capital (leverage) ratio | 5.6140% | 7,245 |
| Tier 1 risk-based capital ratio | 7.6966% | 7,265 |
| Total risk-based capital ratio | 9.0105% | 7,267 |
| Memoranda: | ||
| Average total assets | $157,133,330 | 3,729 |
| Average earning assets | $135,513,000 | 3,872 |
| Average equity | $9,195,670 | 5,266 |
| Average total loans | $104,191,330 | 3,579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 2,224 |
| Cost of funding earning assets | 0.9183% | 4,788 |
| Net interest margin | 4.2797% | 1,626 |
| Noninterest income to average assets | 0.9470% | 1,486 |
| Noninterest expense to average assets | 5.1413% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.5027% | 6,808 |
| Return on assets (ROA) | -0.5027% | 6,811 |
| Pretax return on assets | -0.5027% | 6,750 |
| Return on Equity (ROE) | -8.5700% | 6,977 |
| Retained earnings to average equity (ytd only) | -8.5700% | 6,788 |
| Net charge-offs to loans | -0.0452% | 6,848 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4986% | 548 |
| Assets per employee ($millions) | 3.0492% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9565% | 2,526 |
| Loan loss allowance to noncurrent loans | 21.9749% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 15.3879% | 149 |
| Noncurrent loans to loans | 8.9034% | 510 |
| Net loans and leases to total assets | 61.8299% | 3,891 |
| Net loans and leases to deposits | 66.4326% | 4,903 |
| Net loans and leases to core deposits | 66.9445% | 5,405 |
| Total domestic deposits to total assets | 93.0715% | 133 |
| Equity capital to assets | 5.7794% | 7,307 |
| Core capital (leverage) ratio | 5.8434% | 7,274 |
| Tier 1 risk-based capital ratio | 7.5783% | 7,321 |
| Total risk-based capital ratio | 8.8357% | 7,328 |
| Memoranda: | ||
| Average total assets | $157,548,000 | 3,749 |
| Average earning assets | $135,897,500 | 3,899 |
| Average equity | $9,241,500 | 5,250 |
| Average total loans | $106,181,000 | 3,576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 3,117 |
| Cost of funding earning assets | 1.2840% | 3,988 |
| Net interest margin | 4.0188% | 2,930 |
| Noninterest income to average assets | 1.4820% | 661 |
| Noninterest expense to average assets | 4.9338% | 440 |
| Loan and lease loss provision to assets | 0.9101% | 1,797 |
| Net operating income to assets | -0.7293% | 6,538 |
| Return on assets (ROA) | -0.7599% | 6,578 |
| Pretax return on assets | -0.7599% | 6,492 |
| Return on Equity (ROE) | -13.8176% | 6,875 |
| Retained earnings to average equity (ytd only) | -13.8176% | 6,832 |
| Net charge-offs to loans | 3.3762% | 440 |
| Credit loss provision to net charge-offs | 35.7396% | 6,440 |
| Earnings coverage of net charge-offs (x) | 0.0710% | 6,048 |
| Efficiency ratio | 93.6105% | 1,081 |
| Assets per employee ($millions) | 2.8960% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,880 |
| Loan loss allowance to noncurrent loans | 16.1519% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 17.5688% | 103 |
| Noncurrent loans to loans | 11.1104% | 349 |
| Net loans and leases to total assets | 70.6661% | 2,378 |
| Net loans and leases to deposits | 75.7684% | 3,878 |
| Net loans and leases to core deposits | 78.9145% | 4,356 |
| Total domestic deposits to total assets | 93.2659% | 126 |
| Equity capital to assets | 5.9568% | 7,346 |
| Core capital (leverage) ratio | 5.9591% | 7,305 |
| Tier 1 risk-based capital ratio | 7.0569% | 7,415 |
| Total risk-based capital ratio | 8.3097% | 7,420 |
| Memoranda: | ||
| Average total assets | $166,463,000 | 3,600 |
| Average earning assets | $150,466,000 | 3,628 |
| Average equity | $9,155,000 | 5,372 |
| Average total loans | $125,554,400 | 3,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 2,180 |
| Cost of funding earning assets | 1.3504% | 3,896 |
| Net interest margin | 4.2182% | 2,157 |
| Noninterest income to average assets | 0.6065% | 3,397 |
| Noninterest expense to average assets | 4.5701% | 552 |
| Loan and lease loss provision to assets | 0.2066% | 4,992 |
| Net operating income to assets | -0.3174% | 6,443 |
| Return on assets (ROA) | -0.3818% | 6,552 |
| Pretax return on assets | -0.3818% | 6,481 |
| Return on Equity (ROE) | -7.0756% | 6,789 |
| Retained earnings to average equity (ytd only) | -7.0756% | 6,717 |
| Net charge-offs to loans | 3.0144% | 510 |
| Credit loss provision to net charge-offs | 8.9945% | 6,338 |
| Earnings coverage of net charge-offs (x) | -0.0482% | 6,067 |
| Efficiency ratio | 99.2777% | 763 |
| Assets per employee ($millions) | 3.1357% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6605% | 3,296 |
| Loan loss allowance to noncurrent loans | 17.2647% | 6,996 |
| Noncurrent assets plus other real estate owned to assets | 11.9117% | 279 |
| Noncurrent loans to loans | 9.6179% | 462 |
| Net loans and leases to total assets | 74.2748% | 1,745 |
| Net loans and leases to deposits | 81.3000% | 3,217 |
| Net loans and leases to core deposits | 84.7558% | 3,840 |
| Total domestic deposits to total assets | 91.3589% | 342 |
| Equity capital to assets | 6.0917% | 7,476 |
| Core capital (leverage) ratio | 5.8142% | 7,457 |
| Tier 1 risk-based capital ratio | 6.9701% | 7,549 |
| Total risk-based capital ratio | 8.2219% | 7,557 |
| Memoranda: | ||
| Average total assets | $169,706,750 | 3,588 |
| Average earning assets | $155,007,750 | 3,594 |
| Average equity | $9,158,000 | 5,450 |
| Average total loans | $129,331,500 | 3,180 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2255% | 3,823 |
| Cost of funding earning assets | 1.3740% | 4,033 |
| Net interest margin | 3.8515% | 3,670 |
| Noninterest income to average assets | 0.7783% | 2,244 |
| Noninterest expense to average assets | 4.5299% | 550 |
| Loan and lease loss provision to assets | 0.2885% | 4,085 |
| Net operating income to assets | -0.4956% | 6,646 |
| Return on assets (ROA) | -0.5247% | 6,710 |
| Pretax return on assets | -0.5247% | 6,608 |
| Return on Equity (ROE) | -10.1352% | 6,973 |
| Retained earnings to average equity (ytd only) | -10.1352% | 6,923 |
| Net charge-offs to loans | 4.4296% | 263 |
| Credit loss provision to net charge-offs | 8.5223% | 5,957 |
| Earnings coverage of net charge-offs (x) | -0.0612% | 5,772 |
| Efficiency ratio | 101.5070% | 751 |
| Assets per employee ($millions) | 3.2502% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,523 |
| Loan loss allowance to noncurrent loans | 14.8525% | 7,151 |
| Noncurrent assets plus other real estate owned to assets | 12.3538% | 254 |
| Noncurrent loans to loans | 10.6563% | 392 |
| Net loans and leases to total assets | 73.7825% | 1,956 |
| Net loans and leases to deposits | 78.6456% | 3,858 |
| Net loans and leases to core deposits | 84.7068% | 4,040 |
| Total domestic deposits to total assets | 93.8164% | 81 |
| Equity capital to assets | 5.2977% | 7,610 |
| Core capital (leverage) ratio | 5.5107% | 7,550 |
| Tier 1 risk-based capital ratio | 6.5438% | 7,633 |
| Total risk-based capital ratio | 7.7955% | 7,636 |
| Memoranda: | ||
| Average total assets | $171,923,000 | 3,573 |
| Average earning assets | $158,223,670 | 3,549 |
| Average equity | $8,899,670 | 5,532 |
| Average total loans | $131,390,000 | 3,175 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 5,835 |
| Cost of funding earning assets | 1.4260% | 4,014 |
| Net interest margin | 3.3902% | 5,619 |
| Noninterest income to average assets | 0.7709% | 2,169 |
| Noninterest expense to average assets | 4.3877% | 648 |
| Loan and lease loss provision to assets | 0.5426% | 2,328 |
| Net operating income to assets | -1.0201% | 7,113 |
| Return on assets (ROA) | -0.8501% | 7,063 |
| Pretax return on assets | -0.8501% | 6,977 |
| Return on Equity (ROE) | -16.6164% | 7,355 |
| Retained earnings to average equity (ytd only) | -16.6164% | 7,262 |
| Net charge-offs to loans | 0.2928% | 3,242 |
| Credit loss provision to net charge-offs | 240.2062% | 1,598 |
| Earnings coverage of net charge-offs (x) | -2.1134% | 5,478 |
| Efficiency ratio | 108.5765% | 630 |
| Assets per employee ($millions) | 3.5520% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6223% | 494 |
| Loan loss allowance to noncurrent loans | 66.1928% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 8.1243% | 604 |
| Noncurrent loans to loans | 5.4724% | 1,286 |
| Net loans and leases to total assets | 72.5380% | 2,320 |
| Net loans and leases to deposits | 77.3144% | 4,165 |
| Net loans and leases to core deposits | 83.0790% | 4,328 |
| Total domestic deposits to total assets | 93.8221% | 77 |
| Equity capital to assets | 5.0016% | 7,721 |
| Core capital (leverage) ratio | 5.6357% | 7,631 |
| Tier 1 risk-based capital ratio | 6.7589% | 7,719 |
| Total risk-based capital ratio | 8.0338% | 7,720 |
| Memoranda: | ||
| Average total assets | $171,753,000 | 3,632 |
| Average earning assets | $159,044,500 | 3,583 |
| Average equity | $8,786,500 | 5,595 |
| Average total loans | $132,513,000 | 3,213 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 6,505 |
| Cost of funding earning assets | 1.9035% | 3,450 |
| Net interest margin | 3.0719% | 6,464 |
| Noninterest income to average assets | 0.6768% | 3,105 |
| Noninterest expense to average assets | 4.3284% | 956 |
| Loan and lease loss provision to assets | 1.2335% | 1,864 |
| Net operating income to assets | -2.0498% | 7,115 |
| Return on assets (ROA) | -2.2708% | 7,188 |
| Pretax return on assets | -2.2708% | 7,050 |
| Return on Equity (ROE) | -38.3558% | 7,542 |
| Retained earnings to average equity (ytd only) | -38.3558% | 7,529 |
| Net charge-offs to loans | 0.4942% | 3,790 |
| Credit loss provision to net charge-offs | 335.8974% | 966 |
| Earnings coverage of net charge-offs (x) | -2.2232% | 7,015 |
| Efficiency ratio | 119.4291% | 616 |
| Assets per employee ($millions) | 3.3858% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5827% | 500 |
| Loan loss allowance to noncurrent loans | 48.1383% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 8.7508% | 465 |
| Noncurrent loans to loans | 7.4424% | 715 |
| Net loans and leases to total assets | 76.3387% | 1,723 |
| Net loans and leases to deposits | 81.6874% | 3,665 |
| Net loans and leases to core deposits | 91.2194% | 4,985 |
| Total domestic deposits to total assets | 93.4522% | 100 |
| Equity capital to assets | 5.2380% | 7,768 |
| Core capital (leverage) ratio | 5.8414% | 7,663 |
| Tier 1 risk-based capital ratio | 6.9200% | 7,760 |
| Total risk-based capital ratio | 8.1905% | 7,761 |
| Memoranda: | ||
| Average total assets | $180,550,400 | 3,429 |
| Average earning assets | $166,641,400 | 3,399 |
| Average equity | $10,689,400 | 5,104 |
| Average total loans | $134,147,600 | 3,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8521% | 7,008 |
| Cost of funding earning assets | 1.9728% | 3,503 |
| Net interest margin | 2.8794% | 6,904 |
| Noninterest income to average assets | 0.5595% | 4,015 |
| Noninterest expense to average assets | 4.0814% | 1,169 |
| Loan and lease loss provision to assets | 0.1115% | 6,255 |
| Net operating income to assets | -0.9829% | 6,819 |
| Return on assets (ROA) | -0.8461% | 6,722 |
| Pretax return on assets | -0.8461% | 6,567 |
| Return on Equity (ROE) | -13.9297% | 7,128 |
| Retained earnings to average equity (ytd only) | -13.9297% | 7,069 |
| Net charge-offs to loans | 0.5409% | 3,061 |
| Credit loss provision to net charge-offs | 28.1536% | 6,522 |
| Earnings coverage of net charge-offs (x) | -2.2011% | 6,760 |
| Efficiency ratio | 123.0440% | 550 |
| Assets per employee ($millions) | 3.5585% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0077% | 1,781 |
| Loan loss allowance to noncurrent loans | 18.0879% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 11.6272% | 250 |
| Noncurrent loans to loans | 11.0997% | 324 |
| Net loans and leases to total assets | 75.4096% | 2,125 |
| Net loans and leases to deposits | 81.3782% | 4,135 |
| Net loans and leases to core deposits | 91.0444% | 5,328 |
| Total domestic deposits to total assets | 92.6655% | 110 |
| Equity capital to assets | 6.4099% | 7,783 |
| Core capital (leverage) ratio | 7.4257% | 7,054 |
| Tier 1 risk-based capital ratio | 8.4100% | 7,745 |
| Total risk-based capital ratio | 9.6660% | 7,765 |
| Memoranda: | ||
| Average total assets | $184,212,000 | 3,401 |
| Average earning assets | $169,570,250 | 3,376 |
| Average equity | $11,189,250 | 5,022 |
| Average total loans | $134,845,750 | 3,210 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 6,840 |
| Cost of funding earning assets | 2.0852% | 3,339 |
| Net interest margin | 2.8934% | 6,817 |
| Noninterest income to average assets | 0.5464% | 4,058 |
| Noninterest expense to average assets | 4.0342% | 1,270 |
| Loan and lease loss provision to assets | 0.0859% | 6,315 |
| Net operating income to assets | -0.9103% | 6,905 |
| Return on assets (ROA) | -0.7386% | 6,790 |
| Pretax return on assets | -0.7386% | 6,635 |
| Return on Equity (ROE) | -12.3771% | 7,192 |
| Retained earnings to average equity (ytd only) | -12.3771% | 7,076 |
| Net charge-offs to loans | 0.1580% | 4,616 |
| Credit loss provision to net charge-offs | 75.4717% | 5,310 |
| Earnings coverage of net charge-offs (x) | -7.2453% | 6,495 |
| Efficiency ratio | 121.6388% | 637 |
| Assets per employee ($millions) | 3.4331% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,189 |
| Loan loss allowance to noncurrent loans | 24.9081% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 9.4414% | 338 |
| Noncurrent loans to loans | 8.9578% | 444 |
| Net loans and leases to total assets | 75.0408% | 2,425 |
| Net loans and leases to deposits | 80.8234% | 4,416 |
| Net loans and leases to core deposits | 89.0997% | 5,622 |
| Total domestic deposits to total assets | 92.8454% | 108 |
| Equity capital to assets | 6.0065% | 7,929 |
| Core capital (leverage) ratio | 7.2194% | 7,340 |
| Tier 1 risk-based capital ratio | 8.3024% | 7,881 |
| Total risk-based capital ratio | 9.5609% | 7,905 |
| Memoranda: | ||
| Average total assets | $186,307,000 | 3,390 |
| Average earning assets | $171,492,330 | 3,370 |
| Average equity | $11,117,330 | 5,053 |
| Average total loans | $134,153,330 | 3,265 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1551% | 6,470 |
| Cost of funding earning assets | 2.2183% | 3,069 |
| Net interest margin | 2.9368% | 6,648 |
| Noninterest income to average assets | 0.4945% | 4,371 |
| Noninterest expense to average assets | 3.9537% | 1,242 |
| Loan and lease loss provision to assets | 0.1167% | 5,477 |
| Net operating income to assets | -0.8871% | 7,180 |
| Return on assets (ROA) | -0.8871% | 7,209 |
| Pretax return on assets | -0.8871% | 7,087 |
| Return on Equity (ROE) | -14.9133% | 7,600 |
| Retained earnings to average equity (ytd only) | -14.9133% | 7,433 |
| Net charge-offs to loans | 0.0091% | 5,528 |
| Credit loss provision to net charge-offs | 1,833.3333% | 348 |
| Earnings coverage of net charge-offs (x) | -121.0000% | 5,714 |
| Efficiency ratio | 120.1333% | 632 |
| Assets per employee ($millions) | 3.4986% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4203% | 827 |
| Loan loss allowance to noncurrent loans | 23.9448% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 9.5446% | 249 |
| Noncurrent loans to loans | 10.1079% | 280 |
| Net loans and leases to total assets | 68.1607% | 4,095 |
| Net loans and leases to deposits | 72.6635% | 5,661 |
| Net loans and leases to core deposits | 79.9662% | 6,386 |
| Total domestic deposits to total assets | 93.8033% | 46 |
| Equity capital to assets | 5.0899% | 8,111 |
| Core capital (leverage) ratio | 6.8864% | 7,706 |
| Tier 1 risk-based capital ratio | 8.3735% | 7,964 |
| Total risk-based capital ratio | 9.6335% | 7,995 |
| Memoranda: | ||
| Average total assets | $188,484,000 | 3,374 |
| Average earning assets | $172,568,000 | 3,376 |
| Average equity | $11,211,500 | 5,055 |
| Average total loans | $131,402,500 | 3,334 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1950% | 4,542 |
| Cost of funding earning assets | 2.6214% | 3,576 |
| Net interest margin | 3.5735% | 4,997 |
| Noninterest income to average assets | 0.4141% | 5,353 |
| Noninterest expense to average assets | 3.8451% | 1,669 |
| Loan and lease loss provision to assets | 0.9682% | 1,523 |
| Net operating income to assets | -1.2320% | 7,357 |
| Return on assets (ROA) | -3.3294% | 7,868 |
| Pretax return on assets | -3.3294% | 7,782 |
| Return on Equity (ROE) | -34.3005% | 8,015 |
| Retained earnings to average equity (ytd only) | -34.3005% | 7,975 |
| Net charge-offs to loans | 0.7242% | 1,705 |
| Credit loss provision to net charge-offs | 199.0000% | 2,454 |
| Earnings coverage of net charge-offs (x) | -0.5422% | 6,494 |
| Efficiency ratio | 98.2792% | 1,054 |
| Assets per employee ($millions) | 3.4823% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 762 |
| Loan loss allowance to noncurrent loans | 24.0435% | 7,057 |
| Noncurrent assets plus other real estate owned to assets | 9.7366% | 176 |
| Noncurrent loans to loans | 9.9878% | 211 |
| Net loans and leases to total assets | 67.9080% | 4,480 |
| Net loans and leases to deposits | 73.7881% | 5,869 |
| Net loans and leases to core deposits | 82.6042% | 6,405 |
| Total domestic deposits to total assets | 92.0311% | 131 |
| Equity capital to assets | 6.8106% | 7,824 |
| Core capital (leverage) ratio | 7.0090% | 7,687 |
| Tier 1 risk-based capital ratio | 8.8521% | 7,874 |
| Total risk-based capital ratio | 10.1118% | 7,905 |
| Memoranda: | ||
| Average total assets | $184,990,600 | 3,339 |
| Average earning assets | $163,955,800 | 3,416 |
| Average equity | $17,956,000 | 3,565 |
| Average total loans | $124,267,800 | 3,372 |