Home > First Federal of Northern Michigan > Performance and Condition Ratios
First Federal of Northern Michigan, Performance and Condition Ratios
| 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 | 3.8060% | 4,198 |
| Cost of funding earning assets | 0.3849% | 3,695 |
| Net interest margin | 3.4211% | 3,815 |
| Noninterest income to average assets | 0.7038% | 1,811 |
| Noninterest expense to average assets | 3.3777% | 1,201 |
| Loan and lease loss provision to assets | -0.1067% | 5,512 |
| Net operating income to assets | 0.5246% | 4,634 |
| Return on assets (ROA) | 0.5246% | 4,637 |
| Pretax return on assets | 0.6618% | 4,542 |
| Return on Equity (ROE) | 5.5041% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.5041% | 2,948 |
| Net charge-offs to loans | 0.0312% | 1,877 |
| Credit loss provision to net charge-offs | -560.0000% | 4,040 |
| Earnings coverage of net charge-offs (x) | 29.1333% | 1,256 |
| Efficiency ratio | 84.5284% | 761 |
| Assets per employee ($millions) | 3.6420% | 4,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,399 |
| Loan loss allowance to noncurrent loans | 84.0931% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6803% | 2,288 |
| Noncurrent loans to loans | 1.0832% | 1,694 |
| Net loans and leases to total assets | 60.9311% | 3,655 |
| Net loans and leases to deposits | 71.5127% | 3,658 |
| Net loans and leases to core deposits | 77.2130% | 3,557 |
| Total domestic deposits to total assets | 85.2032% | 2,857 |
| Equity capital to assets | 9.6076% | 3,987 |
| Core capital (leverage) ratio | 9.6910% | 3,860 |
| Tier 1 risk-based capital ratio | 15.8825% | 2,526 |
| Total risk-based capital ratio | 16.7837% | 2,591 |
| Memoranda: | ||
| Average total assets | $314,884,500 | 2,108 |
| Average earning assets | $297,211,500 | 2,079 |
| Average equity | $30,014,000 | 2,367 |
| Average total loans | $192,082,000 | 2,256 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,397 |
| Cost of funding earning assets | 0.3908% | 3,327 |
| Net interest margin | 3.2844% | 4,206 |
| Noninterest income to average assets | 0.4897% | 3,060 |
| Noninterest expense to average assets | 2.8666% | 2,561 |
| Loan and lease loss provision to assets | 0.0460% | 3,320 |
| Net operating income to assets | 0.1332% | 5,214 |
| Return on assets (ROA) | 0.1400% | 5,217 |
| Pretax return on assets | 0.6816% | 4,553 |
| Return on Equity (ROE) | 1.5410% | 5,148 |
| Retained earnings to average equity (ytd only) | 1.5410% | 4,382 |
| Net charge-offs to loans | 0.0037% | 3,972 |
| Credit loss provision to net charge-offs | 2,214.2857% | 174 |
| Earnings coverage of net charge-offs (x) | 345.2857% | 255 |
| Efficiency ratio | 78.4041% | 1,292 |
| Assets per employee ($millions) | 3.5578% | 4,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,237 |
| Loan loss allowance to noncurrent loans | 96.1700% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 2,456 |
| Noncurrent loans to loans | 0.9834% | 1,801 |
| Net loans and leases to total assets | 59.9542% | 3,837 |
| Net loans and leases to deposits | 70.5350% | 3,831 |
| Net loans and leases to core deposits | 76.2026% | 3,726 |
| Total domestic deposits to total assets | 84.9992% | 2,836 |
| Equity capital to assets | 9.4584% | 4,263 |
| Core capital (leverage) ratio | 9.1864% | 4,412 |
| Tier 1 risk-based capital ratio | 15.5537% | 2,603 |
| Total risk-based capital ratio | 16.4992% | 2,658 |
| Memoranda: | ||
| Average total assets | $337,125,200 | 1,971 |
| Average earning assets | $317,562,200 | 1,949 |
| Average equity | $30,628,800 | 2,318 |
| Average total loans | $188,411,400 | 2,252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5544% | 4,673 |
| Cost of funding earning assets | 0.3841% | 3,344 |
| Net interest margin | 3.1703% | 4,530 |
| Noninterest income to average assets | 0.4882% | 3,092 |
| Noninterest expense to average assets | 2.8267% | 2,640 |
| Loan and lease loss provision to assets | 0.0586% | 2,910 |
| Net operating income to assets | 0.3886% | 5,020 |
| Return on assets (ROA) | 0.3976% | 5,029 |
| Pretax return on assets | 0.6019% | 4,840 |
| Return on Equity (ROE) | 4.4191% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.4191% | 3,268 |
| Net charge-offs to loans | 0.0235% | 2,982 |
| Credit loss provision to net charge-offs | 454.5455% | 699 |
| Earnings coverage of net charge-offs (x) | 50.1805% | 1,114 |
| Efficiency ratio | 79.7594% | 1,133 |
| Assets per employee ($millions) | 3.6426% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 4,324 |
| Loan loss allowance to noncurrent loans | 68.4911% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 2,086 |
| Noncurrent loans to loans | 1.3863% | 1,350 |
| Net loans and leases to total assets | 56.0942% | 4,229 |
| Net loans and leases to deposits | 66.0025% | 4,253 |
| Net loans and leases to core deposits | 70.9062% | 4,195 |
| Total domestic deposits to total assets | 84.9881% | 2,718 |
| Equity capital to assets | 9.4184% | 4,527 |
| Core capital (leverage) ratio | 8.7138% | 5,045 |
| Tier 1 risk-based capital ratio | 15.2209% | 2,828 |
| Total risk-based capital ratio | 16.1542% | 2,888 |
| Memoranda: | ||
| Average total assets | $341,355,750 | 1,973 |
| Average earning assets | $321,432,250 | 1,940 |
| Average equity | $30,714,500 | 2,326 |
| Average total loans | $187,062,250 | 2,280 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 4,722 |
| Cost of funding earning assets | 0.3829% | 3,258 |
| Net interest margin | 3.1358% | 4,586 |
| Noninterest income to average assets | 0.4735% | 3,194 |
| Noninterest expense to average assets | 2.7848% | 2,814 |
| Loan and lease loss provision to assets | 0.0780% | 2,421 |
| Net operating income to assets | 0.3693% | 5,046 |
| Return on assets (ROA) | 0.3820% | 5,044 |
| Pretax return on assets | 0.5818% | 4,840 |
| Return on Equity (ROE) | 4.3113% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.3113% | 3,141 |
| Net charge-offs to loans | -0.0279% | 4,927 |
| Credit loss provision to net charge-offs | -515.3846% | 4,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6668% | 1,253 |
| Assets per employee ($millions) | 3.6672% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 4,307 |
| Loan loss allowance to noncurrent loans | 88.0248% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 2,543 |
| Noncurrent loans to loans | 1.1049% | 1,772 |
| Net loans and leases to total assets | 55.0802% | 4,303 |
| Net loans and leases to deposits | 65.5759% | 4,254 |
| Net loans and leases to core deposits | 71.8606% | 4,102 |
| Total domestic deposits to total assets | 83.9946% | 3,195 |
| Equity capital to assets | 9.1755% | 4,736 |
| Core capital (leverage) ratio | 8.5161% | 5,204 |
| Tier 1 risk-based capital ratio | 14.7740% | 3,026 |
| Total risk-based capital ratio | 15.7196% | 3,105 |
| Memoranda: | ||
| Average total assets | $343,434,330 | 1,961 |
| Average earning assets | $323,295,330 | 1,939 |
| Average equity | $30,431,670 | 2,342 |
| Average total loans | $186,154,670 | 2,297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4868% | 4,729 |
| Cost of funding earning assets | 0.3791% | 3,213 |
| Net interest margin | 3.1077% | 4,631 |
| Noninterest income to average assets | 0.4074% | 3,606 |
| Noninterest expense to average assets | 2.7369% | 3,006 |
| Loan and lease loss provision to assets | 0.1010% | 1,875 |
| Net operating income to assets | 0.3172% | 5,147 |
| Return on assets (ROA) | 0.3308% | 5,150 |
| Pretax return on assets | 0.5119% | 4,940 |
| Return on Equity (ROE) | 3.7999% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.7999% | 3,550 |
| Net charge-offs to loans | -0.0217% | 4,783 |
| Credit loss provision to net charge-offs | -870.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5439% | 1,313 |
| Assets per employee ($millions) | 3.8343% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 4,491 |
| Loan loss allowance to noncurrent loans | 218.6503% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 3,467 |
| Noncurrent loans to loans | 0.4391% | 3,520 |
| Net loans and leases to total assets | 53.2661% | 4,394 |
| Net loans and leases to deposits | 61.9129% | 4,442 |
| Net loans and leases to core deposits | 70.4199% | 4,116 |
| Total domestic deposits to total assets | 86.0340% | 2,650 |
| Equity capital to assets | 8.7873% | 5,009 |
| Core capital (leverage) ratio | 8.2059% | 5,444 |
| Tier 1 risk-based capital ratio | 14.3175% | 3,308 |
| Total risk-based capital ratio | 15.2292% | 3,405 |
| Memoranda: | ||
| Average total assets | $344,627,500 | 1,964 |
| Average earning assets | $323,964,500 | 1,944 |
| Average equity | $30,001,000 | 2,373 |
| Average total loans | $184,384,500 | 2,323 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4400% | 4,902 |
| Cost of funding earning assets | 0.4178% | 2,829 |
| Net interest margin | 3.0222% | 4,912 |
| Noninterest income to average assets | 0.4989% | 3,245 |
| Noninterest expense to average assets | 2.8971% | 2,684 |
| Loan and lease loss provision to assets | 0.0284% | 3,786 |
| Net operating income to assets | 0.2642% | 5,294 |
| Return on assets (ROA) | 0.2903% | 5,313 |
| Pretax return on assets | 0.4484% | 5,124 |
| Return on Equity (ROE) | 3.0258% | 5,151 |
| Retained earnings to average equity (ytd only) | -4.7646% | 5,666 |
| Net charge-offs to loans | -0.0179% | 5,095 |
| Credit loss provision to net charge-offs | -306.4516% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9534% | 912 |
| Assets per employee ($millions) | 3.6616% | 4,528 |
| Cash dividends to net income (ytd only)* | 257.4665% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,700 |
| Loan loss allowance to noncurrent loans | 167.6617% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 3,302 |
| Noncurrent loans to loans | 0.5487% | 3,201 |
| Net loans and leases to total assets | 52.7289% | 4,552 |
| Net loans and leases to deposits | 61.2832% | 4,587 |
| Net loans and leases to core deposits | 71.0157% | 4,149 |
| Total domestic deposits to total assets | 86.0414% | 2,561 |
| Equity capital to assets | 8.6287% | 5,166 |
| Core capital (leverage) ratio | 8.4764% | 5,283 |
| Tier 1 risk-based capital ratio | 14.7235% | 3,089 |
| Total risk-based capital ratio | 15.6026% | 3,187 |
| Memoranda: | ||
| Average total assets | $334,510,800 | 1,980 |
| Average earning assets | $313,778,400 | 1,949 |
| Average equity | $32,090,800 | 2,220 |
| Average total loans | $173,403,000 | 2,382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4285% | 4,959 |
| Cost of funding earning assets | 0.4221% | 2,820 |
| Net interest margin | 3.0064% | 5,003 |
| Noninterest income to average assets | 0.4950% | 3,290 |
| Noninterest expense to average assets | 2.9573% | 2,438 |
| Loan and lease loss provision to assets | 0.0369% | 3,506 |
| Net operating income to assets | 0.2036% | 5,456 |
| Return on assets (ROA) | 0.2292% | 5,488 |
| Pretax return on assets | 0.3601% | 5,367 |
| Return on Equity (ROE) | 2.3290% | 5,402 |
| Retained earnings to average equity (ytd only) | -7.8680% | 5,816 |
| Net charge-offs to loans | -0.0273% | 5,125 |
| Credit loss provision to net charge-offs | -262.8571% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2562% | 721 |
| Assets per employee ($millions) | 3.5024% | 4,777 |
| Cash dividends to net income (ytd only)* | 437.8308% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 4,573 |
| Loan loss allowance to noncurrent loans | 82.7282% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 2,589 |
| Noncurrent loans to loans | 1.1708% | 1,914 |
| Net loans and leases to total assets | 52.3621% | 4,627 |
| Net loans and leases to deposits | 63.0032% | 4,557 |
| Net loans and leases to core deposits | 67.2007% | 4,533 |
| Total domestic deposits to total assets | 83.1102% | 3,542 |
| Equity capital to assets | 9.5267% | 4,633 |
| Core capital (leverage) ratio | 8.5599% | 5,305 |
| Tier 1 risk-based capital ratio | 15.3815% | 2,877 |
| Total risk-based capital ratio | 16.3072% | 2,960 |
| Memoranda: | ||
| Average total assets | $332,091,250 | 1,997 |
| Average earning assets | $311,421,250 | 1,969 |
| Average equity | $32,688,750 | 2,206 |
| Average total loans | $170,960,750 | 2,404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3973% | 5,087 |
| Cost of funding earning assets | 0.4210% | 2,825 |
| Net interest margin | 2.9763% | 5,126 |
| Noninterest income to average assets | 0.5164% | 3,087 |
| Noninterest expense to average assets | 2.9377% | 2,555 |
| Loan and lease loss provision to assets | 0.0342% | 3,467 |
| Net operating income to assets | 0.2121% | 5,502 |
| Return on assets (ROA) | 0.2144% | 5,556 |
| Pretax return on assets | 0.3375% | 5,441 |
| Return on Equity (ROE) | 2.1551% | 5,473 |
| Retained earnings to average equity (ytd only) | 2.1551% | 4,492 |
| Net charge-offs to loans | -0.0471% | 5,340 |
| Credit loss provision to net charge-offs | -142.5000% | 4,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8847% | 807 |
| Assets per employee ($millions) | 3.5829% | 4,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,705 |
| Loan loss allowance to noncurrent loans | 64.6370% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8778% | 2,402 |
| Noncurrent loans to loans | 1.4915% | 1,468 |
| Net loans and leases to total assets | 51.0523% | 4,761 |
| Net loans and leases to deposits | 61.9822% | 4,653 |
| Net loans and leases to core deposits | 65.7369% | 4,627 |
| Total domestic deposits to total assets | 82.3661% | 3,887 |
| Equity capital to assets | 10.1533% | 4,023 |
| Core capital (leverage) ratio | 9.2472% | 4,526 |
| Tier 1 risk-based capital ratio | 17.2637% | 2,139 |
| Total risk-based capital ratio | 18.2081% | 2,194 |
| Memoranda: | ||
| Average total assets | $333,047,330 | 2,001 |
| Average earning assets | $312,129,330 | 1,978 |
| Average equity | $33,130,330 | 2,192 |
| Average total loans | $170,001,670 | 2,414 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 5,015 |
| Cost of funding earning assets | 0.4249% | 2,816 |
| Net interest margin | 3.0207% | 5,071 |
| Noninterest income to average assets | 0.5742% | 2,657 |
| Noninterest expense to average assets | 2.9697% | 2,482 |
| Loan and lease loss provision to assets | 0.0384% | 3,137 |
| Net operating income to assets | 0.2563% | 5,423 |
| Return on assets (ROA) | 0.2571% | 5,488 |
| Pretax return on assets | 0.3940% | 5,320 |
| Return on Equity (ROE) | 2.6114% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.6114% | 4,200 |
| Net charge-offs to loans | -0.0189% | 4,822 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4115% | 1,030 |
| Assets per employee ($millions) | 3.6285% | 4,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,835 |
| Loan loss allowance to noncurrent loans | 69.2941% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 2,707 |
| Noncurrent loans to loans | 1.3738% | 1,731 |
| Net loans and leases to total assets | 50.4163% | 4,769 |
| Net loans and leases to deposits | 61.2937% | 4,628 |
| Net loans and leases to core deposits | 65.0609% | 4,617 |
| Total domestic deposits to total assets | 82.2536% | 4,127 |
| Equity capital to assets | 10.0430% | 4,029 |
| Core capital (leverage) ratio | 8.9917% | 4,871 |
| Tier 1 risk-based capital ratio | 17.3903% | 2,154 |
| Total risk-based capital ratio | 18.3184% | 2,224 |
| Memoranda: | ||
| Average total assets | $332,965,500 | 2,007 |
| Average earning assets | $311,588,000 | 1,987 |
| Average equity | $32,779,500 | 2,210 |
| Average total loans | $169,118,500 | 2,412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4650% | 5,014 |
| Cost of funding earning assets | 0.4174% | 2,970 |
| Net interest margin | 3.0477% | 5,030 |
| Noninterest income to average assets | 0.5658% | 2,925 |
| Noninterest expense to average assets | 2.9425% | 2,722 |
| Loan and lease loss provision to assets | -0.1608% | 5,933 |
| Net operating income to assets | 1.1111% | 1,873 |
| Return on assets (ROA) | 1.1123% | 1,928 |
| Pretax return on assets | 0.6265% | 4,763 |
| Return on Equity (ROE) | 11.9275% | 1,319 |
| Retained earnings to average equity (ytd only) | 9.5110% | 532 |
| Net charge-offs to loans | -0.3975% | 6,058 |
| Credit loss provision to net charge-offs | 80.4511% | 2,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2314% | 1,159 |
| Assets per employee ($millions) | 3.5721% | 4,686 |
| Cash dividends to net income (ytd only)* | 20.2593% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 5,023 |
| Loan loss allowance to noncurrent loans | 111.8364% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 3,545 |
| Noncurrent loans to loans | 0.8192% | 2,737 |
| Net loans and leases to total assets | 50.2147% | 4,850 |
| Net loans and leases to deposits | 62.5788% | 4,589 |
| Net loans and leases to core deposits | 66.8000% | 4,527 |
| Total domestic deposits to total assets | 80.2424% | 4,692 |
| Equity capital to assets | 9.6592% | 4,357 |
| Core capital (leverage) ratio | 8.8461% | 5,058 |
| Tier 1 risk-based capital ratio | 17.0153% | 2,273 |
| Total risk-based capital ratio | 17.8990% | 2,370 |
| Memoranda: | ||
| Average total assets | $332,811,800 | 1,977 |
| Average earning assets | $310,271,800 | 1,955 |
| Average equity | $31,037,600 | 2,246 |
| Average total loans | $167,291,600 | 2,380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4562% | 5,088 |
| Cost of funding earning assets | 0.4153% | 3,061 |
| Net interest margin | 3.0408% | 5,098 |
| Noninterest income to average assets | 0.4898% | 3,442 |
| Noninterest expense to average assets | 2.8604% | 2,974 |
| Loan and lease loss provision to assets | -0.0104% | 5,818 |
| Net operating income to assets | 1.1270% | 1,907 |
| Return on assets (ROA) | 1.1286% | 1,974 |
| Pretax return on assets | 0.4754% | 5,280 |
| Return on Equity (ROE) | 12.2127% | 1,314 |
| Retained earnings to average equity (ytd only) | 8.9542% | 925 |
| Net charge-offs to loans | -0.0889% | 5,740 |
| Credit loss provision to net charge-offs | 23.4234% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8608% | 1,191 |
| Assets per employee ($millions) | 3.5637% | 4,685 |
| Cash dividends to net income (ytd only)* | 26.6810% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8918% | 5,227 |
| Loan loss allowance to noncurrent loans | 85.8763% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0291% | 2,296 |
| Noncurrent loans to loans | 1.0385% | 2,398 |
| Net loans and leases to total assets | 49.6975% | 4,955 |
| Net loans and leases to deposits | 59.9970% | 4,858 |
| Net loans and leases to core deposits | 63.4312% | 4,845 |
| Total domestic deposits to total assets | 82.8334% | 3,871 |
| Equity capital to assets | 9.4435% | 4,821 |
| Core capital (leverage) ratio | 8.8040% | 5,233 |
| Tier 1 risk-based capital ratio | 16.4399% | 2,609 |
| Total risk-based capital ratio | 17.2951% | 2,725 |
| Memoranda: | ||
| Average total assets | $332,071,250 | 1,993 |
| Average earning assets | $309,468,250 | 1,974 |
| Average equity | $30,688,750 | 2,285 |
| Average total loans | $166,572,750 | 2,407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 5,067 |
| Cost of funding earning assets | 0.4124% | 3,132 |
| Net interest margin | 3.0563% | 5,074 |
| Noninterest income to average assets | 0.5953% | 2,772 |
| Noninterest expense to average assets | 2.9141% | 2,848 |
| Loan and lease loss provision to assets | -0.0133% | 5,966 |
| Net operating income to assets | 0.5353% | 4,632 |
| Return on assets (ROA) | 0.5359% | 4,736 |
| Pretax return on assets | 0.5438% | 5,107 |
| Return on Equity (ROE) | 5.8424% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.8424% | 2,333 |
| Net charge-offs to loans | -0.0979% | 5,779 |
| Credit loss provision to net charge-offs | 27.1605% | 2,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4855% | 1,431 |
| Assets per employee ($millions) | 3.4287% | 4,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8896% | 5,338 |
| Loan loss allowance to noncurrent loans | 105.6068% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 2,364 |
| Noncurrent loans to loans | 0.8424% | 3,014 |
| Net loans and leases to total assets | 50.8935% | 4,857 |
| Net loans and leases to deposits | 61.2078% | 4,753 |
| Net loans and leases to core deposits | 64.8720% | 4,745 |
| Total domestic deposits to total assets | 83.1488% | 3,887 |
| Equity capital to assets | 9.3827% | 4,808 |
| Core capital (leverage) ratio | 9.0592% | 4,880 |
| Tier 1 risk-based capital ratio | 17.0457% | 2,386 |
| Total risk-based capital ratio | 17.8997% | 2,491 |
| Memoranda: | ||
| Average total assets | $329,911,000 | 2,012 |
| Average earning assets | $307,494,000 | 1,998 |
| Average equity | $30,261,330 | 2,323 |
| Average total loans | $165,508,330 | 2,427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4270% | 5,152 |
| Cost of funding earning assets | 0.4085% | 3,213 |
| Net interest margin | 3.0185% | 5,159 |
| Noninterest income to average assets | 0.6048% | 2,622 |
| Noninterest expense to average assets | 2.8843% | 2,957 |
| Loan and lease loss provision to assets | 0.0277% | 3,330 |
| Net operating income to assets | 0.5012% | 4,677 |
| Return on assets (ROA) | 0.5012% | 4,798 |
| Pretax return on assets | 0.5060% | 5,170 |
| Return on Equity (ROE) | 5.5262% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.5262% | 2,760 |
| Net charge-offs to loans | 0.0194% | 2,771 |
| Credit loss provision to net charge-offs | 287.5000% | 836 |
| Earnings coverage of net charge-offs (x) | 55.3750% | 779 |
| Efficiency ratio | 82.2348% | 1,589 |
| Assets per employee ($millions) | 3.6411% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 5,499 |
| Loan loss allowance to noncurrent loans | 102.0495% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0755% | 2,463 |
| Noncurrent loans to loans | 0.8626% | 3,090 |
| Net loans and leases to total assets | 48.0152% | 5,030 |
| Net loans and leases to deposits | 56.7967% | 4,997 |
| Net loans and leases to core deposits | 60.2440% | 4,978 |
| Total domestic deposits to total assets | 84.5387% | 3,605 |
| Equity capital to assets | 9.0048% | 5,286 |
| Core capital (leverage) ratio | 8.7723% | 5,238 |
| Tier 1 risk-based capital ratio | 17.0056% | 2,477 |
| Total risk-based capital ratio | 17.8470% | 2,591 |
| Memoranda: | ||
| Average total assets | $332,003,000 | 2,007 |
| Average earning assets | $309,427,000 | 1,993 |
| Average equity | $30,111,000 | 2,341 |
| Average total loans | $164,631,500 | 2,437 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,999 |
| Cost of funding earning assets | 0.4727% | 2,955 |
| Net interest margin | 3.4615% | 3,936 |
| Noninterest income to average assets | 1.3330% | 693 |
| Noninterest expense to average assets | 3.3393% | 1,825 |
| Loan and lease loss provision to assets | 0.1109% | 2,314 |
| Net operating income to assets | 1.0445% | 2,194 |
| Return on assets (ROA) | 1.0430% | 2,272 |
| Pretax return on assets | 1.0480% | 3,313 |
| Return on Equity (ROE) | 10.4016% | 1,955 |
| Retained earnings to average equity (ytd only) | 8.4552% | 846 |
| Net charge-offs to loans | 0.2193% | 1,913 |
| Credit loss provision to net charge-offs | 87.1166% | 2,704 |
| Earnings coverage of net charge-offs (x) | 9.1196% | 2,790 |
| Efficiency ratio | 72.9528% | 3,047 |
| Assets per employee ($millions) | 3.4631% | 4,956 |
| Cash dividends to net income (ytd only)* | 18.7126% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8649% | 5,585 |
| Loan loss allowance to noncurrent loans | 66.7757% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 1.2810% | 2,206 |
| Noncurrent loans to loans | 1.2952% | 2,286 |
| Net loans and leases to total assets | 50.3175% | 4,939 |
| Net loans and leases to deposits | 60.3299% | 4,877 |
| Net loans and leases to core deposits | 64.1547% | 4,817 |
| Total domestic deposits to total assets | 83.4039% | 3,944 |
| Equity capital to assets | 9.1794% | 5,096 |
| Core capital (leverage) ratio | 8.5843% | 5,464 |
| Tier 1 risk-based capital ratio | 16.1355% | 2,897 |
| Total risk-based capital ratio | 16.9650% | 3,051 |
| Memoranda: | ||
| Average total assets | $256,190,600 | 2,471 |
| Average earning assets | $234,380,400 | 2,474 |
| Average equity | $25,688,400 | 2,595 |
| Average total loans | $148,665,000 | 2,592 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,725 |
| Cost of funding earning assets | 0.4866% | 2,891 |
| Net interest margin | 3.5213% | 3,752 |
| Noninterest income to average assets | 1.5926% | 503 |
| Noninterest expense to average assets | 3.4486% | 1,564 |
| Loan and lease loss provision to assets | 0.1524% | 1,629 |
| Net operating income to assets | 1.1873% | 1,722 |
| Return on assets (ROA) | 1.1879% | 1,796 |
| Pretax return on assets | 1.1951% | 2,794 |
| Return on Equity (ROE) | 11.5149% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.8093% | 1,057 |
| Net charge-offs to loans | 0.2583% | 1,505 |
| Credit loss provision to net charge-offs | 97.5000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 8.6179% | 2,771 |
| Efficiency ratio | 70.9580% | 3,347 |
| Assets per employee ($millions) | 3.2462% | 5,339 |
| Cash dividends to net income (ytd only)* | 23.4963% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 5,656 |
| Loan loss allowance to noncurrent loans | 57.3893% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 2,130 |
| Noncurrent loans to loans | 1.5358% | 2,109 |
| Net loans and leases to total assets | 52.8294% | 4,719 |
| Net loans and leases to deposits | 63.4476% | 4,598 |
| Net loans and leases to core deposits | 66.8395% | 4,622 |
| Total domestic deposits to total assets | 83.2646% | 4,044 |
| Equity capital to assets | 9.3124% | 5,023 |
| Core capital (leverage) ratio | 8.7750% | 5,365 |
| Tier 1 risk-based capital ratio | 15.8316% | 3,139 |
| Total risk-based capital ratio | 16.6847% | 3,290 |
| Memoranda: | ||
| Average total assets | $238,854,500 | 2,642 |
| Average earning assets | $217,263,250 | 2,659 |
| Average equity | $24,640,000 | 2,707 |
| Average total loans | $144,523,750 | 2,658 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 2,833 |
| Cost of funding earning assets | 0.5230% | 2,608 |
| Net interest margin | 3.7102% | 2,917 |
| Noninterest income to average assets | 0.5909% | 2,860 |
| Noninterest expense to average assets | 3.5052% | 1,467 |
| Loan and lease loss provision to assets | 0.0149% | 3,964 |
| Net operating income to assets | 0.4250% | 5,119 |
| Return on assets (ROA) | 0.4250% | 5,199 |
| Pretax return on assets | 0.4362% | 5,461 |
| Return on Equity (ROE) | 3.9345% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.9345% | 3,677 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6561% | 1,117 |
| Assets per employee ($millions) | 2.7781% | 6,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 4,962 |
| Loan loss allowance to noncurrent loans | 67.5909% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3701% | 2,388 |
| Noncurrent loans to loans | 1.6064% | 2,162 |
| Net loans and leases to total assets | 61.7253% | 3,449 |
| Net loans and leases to deposits | 79.8489% | 2,534 |
| Net loans and leases to core deposits | 84.5906% | 2,678 |
| Total domestic deposits to total assets | 77.3026% | 5,759 |
| Equity capital to assets | 10.7493% | 3,150 |
| Core capital (leverage) ratio | 10.4759% | 2,977 |
| Tier 1 risk-based capital ratio | 17.1333% | 2,563 |
| Total risk-based capital ratio | 18.2449% | 2,577 |
| Memoranda: | ||
| Average total assets | $214,593,000 | 2,870 |
| Average earning assets | $194,654,330 | 2,899 |
| Average equity | $23,179,670 | 2,831 |
| Average total loans | $137,331,330 | 2,763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 2,483 |
| Cost of funding earning assets | 0.5201% | 2,718 |
| Net interest margin | 3.7904% | 2,511 |
| Noninterest income to average assets | 0.6260% | 2,590 |
| Noninterest expense to average assets | 3.4936% | 1,498 |
| Loan and lease loss provision to assets | 0.0302% | 3,428 |
| Net operating income to assets | 0.5147% | 4,613 |
| Return on assets (ROA) | 0.5147% | 4,689 |
| Pretax return on assets | 0.5373% | 5,055 |
| Return on Equity (ROE) | 4.7532% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.7532% | 3,262 |
| Net charge-offs to loans | 0.0844% | 2,305 |
| Credit loss provision to net charge-offs | 55.1724% | 2,156 |
| Earnings coverage of net charge-offs (x) | 10.3793% | 1,866 |
| Efficiency ratio | 84.6332% | 1,599 |
| Assets per employee ($millions) | 2.6535% | 6,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 5,277 |
| Loan loss allowance to noncurrent loans | 74.3498% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3381% | 2,642 |
| Noncurrent loans to loans | 1.4310% | 2,639 |
| Net loans and leases to total assets | 63.0802% | 3,061 |
| Net loans and leases to deposits | 81.4590% | 2,105 |
| Net loans and leases to core deposits | 87.7690% | 2,119 |
| Total domestic deposits to total assets | 77.4379% | 5,910 |
| Equity capital to assets | 10.8158% | 2,919 |
| Core capital (leverage) ratio | 10.6075% | 2,797 |
| Tier 1 risk-based capital ratio | 17.0490% | 2,669 |
| Total risk-based capital ratio | 18.1428% | 2,696 |
| Memoranda: | ||
| Average total assets | $212,156,500 | 2,896 |
| Average earning assets | $192,274,500 | 2,943 |
| Average equity | $22,974,000 | 2,852 |
| Average total loans | $137,520,500 | 2,769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 2,620 |
| Cost of funding earning assets | 0.6010% | 2,644 |
| Net interest margin | 3.7884% | 2,693 |
| Noninterest income to average assets | 0.7703% | 2,211 |
| Noninterest expense to average assets | 3.7187% | 1,259 |
| Loan and lease loss provision to assets | 0.2994% | 1,125 |
| Net operating income to assets | 0.1429% | 5,952 |
| Return on assets (ROA) | 0.1429% | 6,021 |
| Pretax return on assets | 0.1711% | 5,986 |
| Return on Equity (ROE) | 1.3195% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.3195% | 5,232 |
| Net charge-offs to loans | 0.6537% | 994 |
| Credit loss provision to net charge-offs | 69.5415% | 3,319 |
| Earnings coverage of net charge-offs (x) | 1.0928% | 4,711 |
| Efficiency ratio | 87.4341% | 1,277 |
| Assets per employee ($millions) | 2.5226% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0667% | 5,291 |
| Loan loss allowance to noncurrent loans | 63.6403% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 2,541 |
| Noncurrent loans to loans | 1.6761% | 2,394 |
| Net loans and leases to total assets | 65.2073% | 2,820 |
| Net loans and leases to deposits | 84.9325% | 1,818 |
| Net loans and leases to core deposits | 91.4657% | 1,847 |
| Total domestic deposits to total assets | 76.7754% | 6,010 |
| Equity capital to assets | 10.8422% | 2,770 |
| Core capital (leverage) ratio | 10.7840% | 2,588 |
| Tier 1 risk-based capital ratio | 16.7906% | 2,719 |
| Total risk-based capital ratio | 17.8877% | 2,743 |
| Memoranda: | ||
| Average total assets | $212,761,600 | 2,884 |
| Average earning assets | $192,008,800 | 2,932 |
| Average equity | $23,038,400 | 2,815 |
| Average total loans | $140,131,200 | 2,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3793% | 2,657 |
| Cost of funding earning assets | 0.6126% | 2,713 |
| Net interest margin | 3.7668% | 2,775 |
| Noninterest income to average assets | 0.7915% | 2,192 |
| Noninterest expense to average assets | 3.6621% | 1,304 |
| Loan and lease loss provision to assets | 0.2316% | 1,565 |
| Net operating income to assets | 0.2696% | 5,713 |
| Return on assets (ROA) | 0.2696% | 5,821 |
| Pretax return on assets | 0.2946% | 5,893 |
| Return on Equity (ROE) | 2.4910% | 5,791 |
| Retained earnings to average equity (ytd only) | 2.4910% | 4,832 |
| Net charge-offs to loans | 0.3109% | 1,984 |
| Credit loss provision to net charge-offs | 113.1098% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.5701% | 3,980 |
| Efficiency ratio | 86.1103% | 1,353 |
| Assets per employee ($millions) | 2.5154% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 4,537 |
| Loan loss allowance to noncurrent loans | 51.4343% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.2006% | 1,807 |
| Noncurrent loans to loans | 2.4712% | 1,762 |
| Net loans and leases to total assets | 65.1394% | 2,777 |
| Net loans and leases to deposits | 87.4914% | 1,428 |
| Net loans and leases to core deposits | 92.6086% | 1,711 |
| Total domestic deposits to total assets | 74.4524% | 6,336 |
| Equity capital to assets | 10.7128% | 3,054 |
| Core capital (leverage) ratio | 10.5695% | 2,929 |
| Tier 1 risk-based capital ratio | 16.5012% | 2,933 |
| Total risk-based capital ratio | 17.7514% | 2,900 |
| Memoranda: | ||
| Average total assets | $213,607,750 | 2,903 |
| Average earning assets | $192,628,000 | 2,940 |
| Average equity | $23,122,750 | 2,839 |
| Average total loans | $140,663,750 | 2,699 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 2,607 |
| Cost of funding earning assets | 0.6306% | 2,677 |
| Net interest margin | 3.7589% | 2,726 |
| Noninterest income to average assets | 0.7736% | 2,305 |
| Noninterest expense to average assets | 3.6255% | 1,373 |
| Loan and lease loss provision to assets | 0.3184% | 1,105 |
| Net operating income to assets | 0.2032% | 5,877 |
| Return on assets (ROA) | 0.2032% | 6,011 |
| Pretax return on assets | 0.2238% | 6,042 |
| Return on Equity (ROE) | 1.8711% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.8711% | 5,079 |
| Net charge-offs to loans | 0.5679% | 1,161 |
| Credit loss provision to net charge-offs | 85.2130% | 2,540 |
| Earnings coverage of net charge-offs (x) | 1.4511% | 4,052 |
| Efficiency ratio | 85.6629% | 1,443 |
| Assets per employee ($millions) | 2.6157% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,020 |
| Loan loss allowance to noncurrent loans | 38.3534% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 2.5564% | 1,642 |
| Noncurrent loans to loans | 3.1180% | 1,417 |
| Net loans and leases to total assets | 65.1393% | 2,740 |
| Net loans and leases to deposits | 85.8653% | 1,592 |
| Net loans and leases to core deposits | 91.7252% | 1,738 |
| Total domestic deposits to total assets | 75.8622% | 6,264 |
| Equity capital to assets | 10.7061% | 3,051 |
| Core capital (leverage) ratio | 10.4256% | 2,961 |
| Tier 1 risk-based capital ratio | 16.2994% | 3,035 |
| Total risk-based capital ratio | 17.5330% | 2,998 |
| Memoranda: | ||
| Average total assets | $213,540,670 | 2,922 |
| Average earning assets | $192,822,000 | 2,959 |
| Average equity | $23,195,330 | 2,844 |
| Average total loans | $140,529,330 | 2,711 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 2,544 |
| Cost of funding earning assets | 0.6693% | 2,485 |
| Net interest margin | 3.7247% | 2,758 |
| Noninterest income to average assets | 0.8204% | 2,047 |
| Noninterest expense to average assets | 3.6927% | 1,256 |
| Loan and lease loss provision to assets | 0.2703% | 1,308 |
| Net operating income to assets | 0.2140% | 5,844 |
| Return on assets (ROA) | 0.2140% | 5,962 |
| Pretax return on assets | 0.2215% | 6,037 |
| Return on Equity (ROE) | 1.9561% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.9561% | 5,024 |
| Net charge-offs to loans | 0.6253% | 975 |
| Credit loss provision to net charge-offs | 65.7534% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.1963% | 3,428 |
| Efficiency ratio | 86.9000% | 1,422 |
| Assets per employee ($millions) | 2.5302% | 6,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,168 |
| Loan loss allowance to noncurrent loans | 36.2868% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7760% | 1,634 |
| Noncurrent loans to loans | 3.3112% | 1,465 |
| Net loans and leases to total assets | 64.8030% | 2,571 |
| Net loans and leases to deposits | 86.3945% | 1,308 |
| Net loans and leases to core deposits | 92.2982% | 1,477 |
| Total domestic deposits to total assets | 75.0082% | 6,457 |
| Equity capital to assets | 10.9717% | 2,983 |
| Core capital (leverage) ratio | 10.4648% | 2,827 |
| Tier 1 risk-based capital ratio | 16.4219% | 3,053 |
| Total risk-based capital ratio | 17.6599% | 3,005 |
| Memoranda: | ||
| Average total assets | $213,068,500 | 2,952 |
| Average earning assets | $192,442,500 | 2,983 |
| Average equity | $23,311,500 | 2,881 |
| Average total loans | $140,091,500 | 2,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 2,267 |
| Cost of funding earning assets | 0.8530% | 2,267 |
| Net interest margin | 3.9278% | 2,709 |
| Noninterest income to average assets | 1.0194% | 1,482 |
| Noninterest expense to average assets | 3.9638% | 1,016 |
| Loan and lease loss provision to assets | 0.6340% | 850 |
| Net operating income to assets | -0.0181% | 6,195 |
| Return on assets (ROA) | -0.0042% | 6,310 |
| Pretax return on assets | 0.0032% | 6,277 |
| Return on Equity (ROE) | -0.0377% | 6,311 |
| Retained earnings to average equity (ytd only) | -2.1333% | 6,178 |
| Net charge-offs to loans | 0.8003% | 1,460 |
| Credit loss provision to net charge-offs | 120.4405% | 2,379 |
| Earnings coverage of net charge-offs (x) | 1.1692% | 4,875 |
| Efficiency ratio | 84.7681% | 1,540 |
| Assets per employee ($millions) | 2.6049% | 6,538 |
| Cash dividends to net income (ytd only)* | -5,555.5556% | 7,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,912 |
| Loan loss allowance to noncurrent loans | 35.4970% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 2.9012% | 1,639 |
| Noncurrent loans to loans | 3.5020% | 1,424 |
| Net loans and leases to total assets | 65.0879% | 2,699 |
| Net loans and leases to deposits | 87.1391% | 1,369 |
| Net loans and leases to core deposits | 93.2154% | 1,530 |
| Total domestic deposits to total assets | 74.6942% | 6,475 |
| Equity capital to assets | 10.9102% | 3,058 |
| Core capital (leverage) ratio | 10.3221% | 2,985 |
| Tier 1 risk-based capital ratio | 16.1129% | 3,097 |
| Total risk-based capital ratio | 17.3630% | 3,052 |
| Memoranda: | ||
| Average total assets | $215,627,000 | 2,878 |
| Average earning assets | $195,429,200 | 2,894 |
| Average equity | $23,859,200 | 2,759 |
| Average total loans | $141,821,200 | 2,693 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 2,170 |
| Cost of funding earning assets | 0.8816% | 2,300 |
| Net interest margin | 3.9743% | 2,606 |
| Noninterest income to average assets | 0.8704% | 1,938 |
| Noninterest expense to average assets | 3.8383% | 1,145 |
| Loan and lease loss provision to assets | 0.7329% | 684 |
| Net operating income to assets | 0.4318% | 5,114 |
| Return on assets (ROA) | 0.4503% | 5,283 |
| Pretax return on assets | -0.0648% | 6,455 |
| Return on Equity (ROE) | 4.0558% | 5,266 |
| Retained earnings to average equity (ytd only) | 1.2779% | 5,658 |
| Net charge-offs to loans | 0.9590% | 1,119 |
| Credit loss provision to net charge-offs | 116.2427% | 2,502 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 4,812 |
| Efficiency ratio | 83.7007% | 1,626 |
| Assets per employee ($millions) | 2.5248% | 6,681 |
| Cash dividends to net income (ytd only)* | 68.4931% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 5,314 |
| Loan loss allowance to noncurrent loans | 55.3401% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9618% | 2,699 |
| Noncurrent loans to loans | 2.1560% | 2,668 |
| Net loans and leases to total assets | 64.9820% | 2,843 |
| Net loans and leases to deposits | 87.0951% | 1,469 |
| Net loans and leases to core deposits | 91.7696% | 1,804 |
| Total domestic deposits to total assets | 74.6104% | 6,551 |
| Equity capital to assets | 11.2221% | 3,015 |
| Core capital (leverage) ratio | 10.3517% | 3,103 |
| Tier 1 risk-based capital ratio | 16.1713% | 3,179 |
| Total risk-based capital ratio | 17.4026% | 3,162 |
| Memoranda: | ||
| Average total assets | $216,134,000 | 2,905 |
| Average earning assets | $196,153,500 | 2,911 |
| Average equity | $23,998,000 | 2,778 |
| Average total loans | $142,082,250 | 2,727 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 2,107 |
| Cost of funding earning assets | 0.9102% | 2,319 |
| Net interest margin | 3.9899% | 2,548 |
| Noninterest income to average assets | 0.6268% | 3,088 |
| Noninterest expense to average assets | 3.8801% | 1,100 |
| Loan and lease loss provision to assets | 0.8816% | 536 |
| Net operating income to assets | 0.3970% | 5,214 |
| Return on assets (ROA) | 0.3970% | 5,460 |
| Pretax return on assets | -0.5170% | 6,748 |
| Return on Equity (ROE) | 3.5879% | 5,443 |
| Retained earnings to average equity (ytd only) | -0.5841% | 6,143 |
| Net charge-offs to loans | 0.9832% | 1,127 |
| Credit loss provision to net charge-offs | 136.4286% | 2,012 |
| Earnings coverage of net charge-offs (x) | 0.5643% | 4,787 |
| Efficiency ratio | 88.8647% | 1,160 |
| Assets per employee ($millions) | 2.6185% | 6,632 |
| Cash dividends to net income (ytd only)* | 116.2791% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,229 |
| Loan loss allowance to noncurrent loans | 65.4485% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 1.8855% | 2,923 |
| Noncurrent loans to loans | 1.8744% | 3,109 |
| Net loans and leases to total assets | 65.6839% | 2,734 |
| Net loans and leases to deposits | 91.5208% | 999 |
| Net loans and leases to core deposits | 95.6867% | 1,455 |
| Total domestic deposits to total assets | 71.7693% | 6,813 |
| Equity capital to assets | 10.9649% | 3,158 |
| Core capital (leverage) ratio | 9.9869% | 3,438 |
| Tier 1 risk-based capital ratio | 15.3785% | 3,519 |
| Total risk-based capital ratio | 16.6288% | 3,479 |
| Memoranda: | ||
| Average total assets | $216,644,000 | 2,908 |
| Average earning assets | $196,447,670 | 2,917 |
| Average equity | $23,969,670 | 2,772 |
| Average total loans | $142,397,000 | 2,734 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9708% | 1,991 |
| Cost of funding earning assets | 0.9521% | 2,291 |
| Net interest margin | 4.0187% | 2,424 |
| Noninterest income to average assets | 0.6288% | 3,063 |
| Noninterest expense to average assets | 3.9964% | 939 |
| Loan and lease loss provision to assets | 0.6953% | 754 |
| Net operating income to assets | 1.2076% | 1,714 |
| Return on assets (ROA) | 1.2076% | 1,896 |
| Pretax return on assets | -0.4253% | 6,793 |
| Return on Equity (ROE) | 10.8657% | 2,077 |
| Retained earnings to average equity (ytd only) | 10.8657% | 1,066 |
| Net charge-offs to loans | 0.6538% | 1,496 |
| Credit loss provision to net charge-offs | 162.7706% | 1,562 |
| Earnings coverage of net charge-offs (x) | 0.6320% | 4,020 |
| Efficiency ratio | 90.5072% | 1,050 |
| Assets per employee ($millions) | 2.4805% | 6,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1779% | 5,599 |
| Loan loss allowance to noncurrent loans | 55.4149% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 2.4610% | 2,403 |
| Noncurrent loans to loans | 2.1255% | 2,994 |
| Net loans and leases to total assets | 64.6543% | 2,728 |
| Net loans and leases to deposits | 91.7916% | 812 |
| Net loans and leases to core deposits | 96.0764% | 1,293 |
| Total domestic deposits to total assets | 70.4360% | 6,959 |
| Equity capital to assets | 11.2802% | 2,642 |
| Core capital (leverage) ratio | 10.3773% | 2,902 |
| Tier 1 risk-based capital ratio | 16.5156% | 2,903 |
| Total risk-based capital ratio | 17.7491% | 2,878 |
| Memoranda: | ||
| Average total assets | $216,297,000 | 2,930 |
| Average earning assets | $195,782,500 | 2,955 |
| Average equity | $24,039,000 | 2,764 |
| Average total loans | $141,331,000 | 2,767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3242% | 1,634 |
| Cost of funding earning assets | 1.1526% | 2,337 |
| Net interest margin | 4.1716% | 2,149 |
| Noninterest income to average assets | 0.9195% | 1,606 |
| Noninterest expense to average assets | 4.1135% | 895 |
| Loan and lease loss provision to assets | 0.1306% | 4,988 |
| Net operating income to assets | 0.4322% | 4,723 |
| Return on assets (ROA) | 0.4322% | 4,924 |
| Pretax return on assets | 0.4395% | 5,170 |
| Return on Equity (ROE) | 4.0717% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.0717% | 3,295 |
| Net charge-offs to loans | 0.8740% | 1,987 |
| Credit loss provision to net charge-offs | 21.8967% | 5,890 |
| Earnings coverage of net charge-offs (x) | 0.9561% | 5,082 |
| Efficiency ratio | 84.9318% | 1,672 |
| Assets per employee ($millions) | 3.4411% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 6,599 |
| Loan loss allowance to noncurrent loans | 36.9682% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.8281% | 2,138 |
| Noncurrent loans to loans | 2.3595% | 2,778 |
| Net loans and leases to total assets | 64.6886% | 3,044 |
| Net loans and leases to deposits | 92.4669% | 927 |
| Net loans and leases to core deposits | 96.7833% | 1,429 |
| Total domestic deposits to total assets | 69.9586% | 6,992 |
| Equity capital to assets | 10.9483% | 3,029 |
| Core capital (leverage) ratio | 10.3658% | 2,886 |
| Tier 1 risk-based capital ratio | 16.3000% | 2,906 |
| Total risk-based capital ratio | 17.2007% | 3,032 |
| Memoranda: | ||
| Average total assets | $217,504,200 | 2,866 |
| Average earning assets | $196,254,200 | 2,901 |
| Average equity | $23,086,000 | 2,772 |
| Average total loans | $148,398,600 | 2,665 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3782% | 1,579 |
| Cost of funding earning assets | 1.1888% | 2,392 |
| Net interest margin | 4.1894% | 2,145 |
| Noninterest income to average assets | 0.8477% | 1,847 |
| Noninterest expense to average assets | 4.1282% | 861 |
| Loan and lease loss provision to assets | -0.0116% | 7,303 |
| Net operating income to assets | 0.5010% | 4,546 |
| Return on assets (ROA) | 0.5010% | 4,729 |
| Pretax return on assets | 0.5084% | 5,139 |
| Return on Equity (ROE) | 4.7577% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.7577% | 3,346 |
| Net charge-offs to loans | 0.7034% | 2,153 |
| Credit loss provision to net charge-offs | -2.3990% | 6,392 |
| Earnings coverage of net charge-offs (x) | 1.0240% | 4,867 |
| Efficiency ratio | 86.3197% | 1,503 |
| Assets per employee ($millions) | 2.7345% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,247 |
| Loan loss allowance to noncurrent loans | 42.1362% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.1324% | 2,041 |
| Noncurrent loans to loans | 2.3832% | 2,908 |
| Net loans and leases to total assets | 63.9148% | 3,325 |
| Net loans and leases to deposits | 91.9303% | 1,018 |
| Net loans and leases to core deposits | 95.9451% | 1,612 |
| Total domestic deposits to total assets | 69.5253% | 7,061 |
| Equity capital to assets | 10.7059% | 3,464 |
| Core capital (leverage) ratio | 10.0651% | 3,352 |
| Tier 1 risk-based capital ratio | 16.0545% | 3,091 |
| Total risk-based capital ratio | 17.0957% | 3,154 |
| Memoranda: | ||
| Average total assets | $217,682,500 | 2,869 |
| Average earning assets | $196,269,000 | 2,913 |
| Average equity | $22,923,750 | 2,787 |
| Average total loans | $150,130,000 | 2,659 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 1,405 |
| Cost of funding earning assets | 1.2168% | 2,464 |
| Net interest margin | 4.2363% | 1,891 |
| Noninterest income to average assets | 0.8465% | 1,816 |
| Noninterest expense to average assets | 4.0931% | 922 |
| Loan and lease loss provision to assets | 0.0444% | 5,762 |
| Net operating income to assets | 0.5175% | 4,426 |
| Return on assets (ROA) | 0.5175% | 4,568 |
| Pretax return on assets | 0.5249% | 4,982 |
| Return on Equity (ROE) | 4.9425% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.9425% | 3,040 |
| Net charge-offs to loans | 0.8498% | 1,805 |
| Credit loss provision to net charge-offs | 7.4074% | 5,272 |
| Earnings coverage of net charge-offs (x) | 0.9506% | 4,590 |
| Efficiency ratio | 84.8365% | 1,722 |
| Assets per employee ($millions) | 2.6664% | 6,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1238% | 5,856 |
| Loan loss allowance to noncurrent loans | 43.5254% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 3.4815% | 1,892 |
| Noncurrent loans to loans | 2.5820% | 2,796 |
| Net loans and leases to total assets | 66.2752% | 2,972 |
| Net loans and leases to deposits | 92.1272% | 1,048 |
| Net loans and leases to core deposits | 95.7771% | 1,703 |
| Total domestic deposits to total assets | 71.9387% | 7,008 |
| Equity capital to assets | 10.5976% | 3,380 |
| Core capital (leverage) ratio | 10.0351% | 3,220 |
| Tier 1 risk-based capital ratio | 15.3699% | 3,313 |
| Total risk-based capital ratio | 16.5305% | 3,315 |
| Memoranda: | ||
| Average total assets | $216,411,670 | 2,898 |
| Average earning assets | $194,935,000 | 2,938 |
| Average equity | $22,660,670 | 2,797 |
| Average total loans | $152,505,330 | 2,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3607% | 1,697 |
| Cost of funding earning assets | 1.2445% | 2,541 |
| Net interest margin | 4.1162% | 2,209 |
| Noninterest income to average assets | 0.8714% | 1,763 |
| Noninterest expense to average assets | 4.0688% | 956 |
| Loan and lease loss provision to assets | 0.1245% | 4,443 |
| Net operating income to assets | 0.3883% | 5,002 |
| Return on assets (ROA) | 0.3883% | 5,092 |
| Pretax return on assets | 0.3957% | 5,356 |
| Return on Equity (ROE) | 3.7312% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.7312% | 3,934 |
| Net charge-offs to loans | 0.8335% | 1,577 |
| Credit loss provision to net charge-offs | 20.6790% | 4,245 |
| Earnings coverage of net charge-offs (x) | 0.8642% | 3,994 |
| Efficiency ratio | 85.5870% | 1,763 |
| Assets per employee ($millions) | 2.5309% | 6,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 5,104 |
| Loan loss allowance to noncurrent loans | 32.0502% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 4.8149% | 1,323 |
| Noncurrent loans to loans | 4.0727% | 1,772 |
| Net loans and leases to total assets | 69.9418% | 2,136 |
| Net loans and leases to deposits | 95.5636% | 723 |
| Net loans and leases to core deposits | 99.5929% | 1,373 |
| Total domestic deposits to total assets | 73.1887% | 6,980 |
| Equity capital to assets | 10.4771% | 3,200 |
| Core capital (leverage) ratio | 9.9922% | 3,149 |
| Tier 1 risk-based capital ratio | 15.2635% | 3,279 |
| Total risk-based capital ratio | 16.5152% | 3,240 |
| Memoranda: | ||
| Average total assets | $215,296,000 | 2,930 |
| Average earning assets | $194,450,500 | 2,952 |
| Average equity | $22,405,500 | 2,813 |
| Average total loans | $155,481,500 | 2,624 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6657% | 1,695 |
| Cost of funding earning assets | 1.6941% | 1,629 |
| Net interest margin | 3.9716% | 3,138 |
| Noninterest income to average assets | 0.8856% | 1,906 |
| Noninterest expense to average assets | 4.0149% | 1,138 |
| Loan and lease loss provision to assets | 0.4875% | 3,222 |
| Net operating income to assets | -0.0425% | 5,916 |
| Return on assets (ROA) | 0.1893% | 5,474 |
| Pretax return on assets | 0.1964% | 5,495 |
| Return on Equity (ROE) | 1.9068% | 5,419 |
| Retained earnings to average equity (ytd only) | 1.9068% | 4,528 |
| Net charge-offs to loans | 0.9803% | 2,223 |
| Credit loss provision to net charge-offs | 67.3183% | 5,923 |
| Earnings coverage of net charge-offs (x) | 0.6109% | 5,493 |
| Efficiency ratio | 87.1675% | 1,555 |
| Assets per employee ($millions) | 2.5651% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 4,438 |
| Loan loss allowance to noncurrent loans | 34.0145% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 4.7975% | 1,356 |
| Noncurrent loans to loans | 4.1676% | 1,739 |
| Net loans and leases to total assets | 72.5233% | 1,978 |
| Net loans and leases to deposits | 100.1121% | 569 |
| Net loans and leases to core deposits | 103.9743% | 1,315 |
| Total domestic deposits to total assets | 72.4421% | 7,047 |
| Equity capital to assets | 10.3367% | 3,342 |
| Core capital (leverage) ratio | 9.7656% | 3,359 |
| Tier 1 risk-based capital ratio | 14.3200% | 3,664 |
| Total risk-based capital ratio | 15.5734% | 3,614 |
| Memoranda: | ||
| Average total assets | $226,057,600 | 2,801 |
| Average earning assets | $203,292,000 | 2,829 |
| Average equity | $22,445,800 | 2,825 |
| Average total loans | $166,993,200 | 2,515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6745% | 1,796 |
| Cost of funding earning assets | 1.7577% | 1,599 |
| Net interest margin | 3.9168% | 3,458 |
| Noninterest income to average assets | 1.0750% | 1,238 |
| Noninterest expense to average assets | 3.8745% | 1,233 |
| Loan and lease loss provision to assets | 0.5591% | 2,714 |
| Net operating income to assets | 0.1568% | 5,625 |
| Return on assets (ROA) | 0.4401% | 4,768 |
| Pretax return on assets | 0.4471% | 5,084 |
| Return on Equity (ROE) | 4.4761% | 4,568 |
| Retained earnings to average equity (ytd only) | 4.4761% | 3,361 |
| Net charge-offs to loans | 1.2362% | 1,651 |
| Credit loss provision to net charge-offs | 61.1607% | 5,658 |
| Earnings coverage of net charge-offs (x) | 0.7844% | 5,267 |
| Efficiency ratio | 81.6023% | 2,111 |
| Assets per employee ($millions) | 2.7154% | 6,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,827 |
| Loan loss allowance to noncurrent loans | 41.7515% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 4.2028% | 1,631 |
| Noncurrent loans to loans | 3.1738% | 2,507 |
| Net loans and leases to total assets | 71.8296% | 2,289 |
| Net loans and leases to deposits | 102.8749% | 486 |
| Net loans and leases to core deposits | 107.1468% | 1,225 |
| Total domestic deposits to total assets | 69.8223% | 7,282 |
| Equity capital to assets | 10.1702% | 3,919 |
| Core capital (leverage) ratio | 9.4668% | 3,951 |
| Tier 1 risk-based capital ratio | 13.7476% | 4,023 |
| Total risk-based capital ratio | 14.9997% | 3,974 |
| Memoranda: | ||
| Average total assets | $228,705,500 | 2,808 |
| Average earning assets | $205,333,500 | 2,847 |
| Average equity | $22,489,250 | 2,866 |
| Average total loans | $169,114,000 | 2,528 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6323% | 2,017 |
| Cost of funding earning assets | 1.7974% | 1,649 |
| Net interest margin | 3.8349% | 3,738 |
| Noninterest income to average assets | 1.1635% | 950 |
| Noninterest expense to average assets | 3.9405% | 1,117 |
| Loan and lease loss provision to assets | 0.5274% | 2,679 |
| Net operating income to assets | 0.1392% | 5,753 |
| Return on assets (ROA) | 0.5665% | 4,161 |
| Pretax return on assets | 0.5735% | 4,654 |
| Return on Equity (ROE) | 5.8267% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.8267% | 2,432 |
| Net charge-offs to loans | 1.0199% | 1,834 |
| Credit loss provision to net charge-offs | 69.5752% | 4,976 |
| Earnings coverage of net charge-offs (x) | 0.8829% | 4,887 |
| Efficiency ratio | 82.7261% | 2,074 |
| Assets per employee ($millions) | 2.6664% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,881 |
| Loan loss allowance to noncurrent loans | 35.9623% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 4.4069% | 1,510 |
| Noncurrent loans to loans | 4.1924% | 1,776 |
| Net loans and leases to total assets | 72.5490% | 2,267 |
| Net loans and leases to deposits | 103.2204% | 527 |
| Net loans and leases to core deposits | 107.6198% | 1,331 |
| Total domestic deposits to total assets | 70.2856% | 7,310 |
| Equity capital to assets | 9.9663% | 4,062 |
| Core capital (leverage) ratio | 9.3302% | 4,065 |
| Tier 1 risk-based capital ratio | 13.6509% | 3,977 |
| Total risk-based capital ratio | 14.9056% | 3,932 |
| Memoranda: | ||
| Average total assets | $229,815,670 | 2,818 |
| Average earning assets | $206,524,000 | 2,852 |
| Average equity | $22,345,330 | 2,880 |
| Average total loans | $170,798,670 | 2,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 2,149 |
| Cost of funding earning assets | 1.8386% | 1,704 |
| Net interest margin | 3.7617% | 3,954 |
| Noninterest income to average assets | 0.9162% | 1,569 |
| Noninterest expense to average assets | 3.7372% | 1,439 |
| Loan and lease loss provision to assets | 0.0190% | 6,450 |
| Net operating income to assets | 0.3555% | 5,051 |
| Return on assets (ROA) | 0.4114% | 4,936 |
| Pretax return on assets | 0.6258% | 4,505 |
| Return on Equity (ROE) | 4.2837% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.2837% | 3,576 |
| Net charge-offs to loans | 0.0602% | 4,811 |
| Credit loss provision to net charge-offs | 42.3077% | 4,603 |
| Earnings coverage of net charge-offs (x) | 12.4615% | 1,565 |
| Efficiency ratio | 84.0306% | 2,017 |
| Assets per employee ($millions) | 2.6361% | 6,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 3,378 |
| Loan loss allowance to noncurrent loans | 32.1632% | 6,271 |
| Noncurrent assets plus other real estate owned to assets | 5.3274% | 1,172 |
| Noncurrent loans to loans | 5.0211% | 1,441 |
| Net loans and leases to total assets | 73.5016% | 2,081 |
| Net loans and leases to deposits | 106.9688% | 388 |
| Net loans and leases to core deposits | 111.3798% | 1,196 |
| Total domestic deposits to total assets | 68.7131% | 7,485 |
| Equity capital to assets | 9.7361% | 4,184 |
| Core capital (leverage) ratio | 9.0269% | 4,515 |
| Tier 1 risk-based capital ratio | 12.8356% | 4,450 |
| Total risk-based capital ratio | 14.0916% | 4,424 |
| Memoranda: | ||
| Average total assets | $231,401,500 | 2,861 |
| Average earning assets | $207,988,500 | 2,900 |
| Average equity | $22,224,000 | 2,915 |
| Average total loans | $172,725,500 | 2,574 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7344% | 2,936 |
| Cost of funding earning assets | 2.3346% | 1,509 |
| Net interest margin | 3.3998% | 5,368 |
| Noninterest income to average assets | 1.0090% | 1,541 |
| Noninterest expense to average assets | 3.8885% | 1,523 |
| Loan and lease loss provision to assets | 2.5623% | 767 |
| Net operating income to assets | -2.6814% | 7,315 |
| Return on assets (ROA) | -2.5999% | 7,297 |
| Pretax return on assets | -2.2968% | 7,062 |
| Return on Equity (ROE) | -23.7362% | 7,254 |
| Retained earnings to average equity (ytd only) | -23.7362% | 7,229 |
| Net charge-offs to loans | 4.8320% | 289 |
| Credit loss provision to net charge-offs | 68.3734% | 6,522 |
| Earnings coverage of net charge-offs (x) | 0.0491% | 6,127 |
| Efficiency ratio | 92.3538% | 1,536 |
| Assets per employee ($millions) | 2.6835% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 3,291 |
| Loan loss allowance to noncurrent loans | 23.6043% | 6,877 |
| Noncurrent assets plus other real estate owned to assets | 6.5771% | 824 |
| Noncurrent loans to loans | 6.7691% | 862 |
| Net loans and leases to total assets | 73.3878% | 2,409 |
| Net loans and leases to deposits | 107.7716% | 471 |
| Net loans and leases to core deposits | 132.8825% | 1,116 |
| Total domestic deposits to total assets | 68.0957% | 7,542 |
| Equity capital to assets | 9.4744% | 4,448 |
| Core capital (leverage) ratio | 8.7477% | 4,844 |
| Tier 1 risk-based capital ratio | 12.3096% | 4,676 |
| Total risk-based capital ratio | 13.5656% | 4,631 |
| Memoranda: | ||
| Average total assets | $241,813,400 | 2,701 |
| Average earning assets | $217,897,400 | 2,731 |
| Average equity | $26,487,000 | 2,491 |
| Average total loans | $187,542,000 | 2,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8338% | 2,730 |
| Cost of funding earning assets | 2.4333% | 1,517 |
| Net interest margin | 3.4005% | 5,261 |
| Noninterest income to average assets | 1.1190% | 1,266 |
| Noninterest expense to average assets | 3.6888% | 1,845 |
| Loan and lease loss provision to assets | 1.9095% | 964 |
| Net operating income to assets | -1.8717% | 7,261 |
| Return on assets (ROA) | -1.7641% | 7,221 |
| Pretax return on assets | -1.3043% | 6,865 |
| Return on Equity (ROE) | -15.6009% | 7,214 |
| Retained earnings to average equity (ytd only) | -15.6009% | 7,165 |
| Net charge-offs to loans | 4.5461% | 276 |
| Credit loss provision to net charge-offs | 53.6642% | 6,260 |
| Earnings coverage of net charge-offs (x) | 0.1398% | 5,891 |
| Efficiency ratio | 85.0483% | 2,178 |
| Assets per employee ($millions) | 2.9163% | 6,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4498% | 3,692 |
| Loan loss allowance to noncurrent loans | 24.4018% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 5.9862% | 902 |
| Noncurrent loans to loans | 5.9414% | 1,000 |
| Net loans and leases to total assets | 74.7865% | 2,295 |
| Net loans and leases to deposits | 113.7753% | 333 |
| Net loans and leases to core deposits | 140.9188% | 875 |
| Total domestic deposits to total assets | 65.7318% | 7,700 |
| Equity capital to assets | 10.5121% | 3,499 |
| Core capital (leverage) ratio | 9.7109% | 3,629 |
| Tier 1 risk-based capital ratio | 13.4359% | 3,903 |
| Total risk-based capital ratio | 14.6898% | 3,834 |
| Memoranda: | ||
| Average total assets | $243,901,500 | 2,688 |
| Average earning assets | $220,000,000 | 2,720 |
| Average equity | $27,579,000 | 2,428 |
| Average total loans | $190,899,000 | 2,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8705% | 2,712 |
| Cost of funding earning assets | 2.5274% | 1,516 |
| Net interest margin | 3.3431% | 5,392 |
| Noninterest income to average assets | 1.2595% | 962 |
| Noninterest expense to average assets | 3.7940% | 1,667 |
| Loan and lease loss provision to assets | 0.4204% | 3,438 |
| Net operating income to assets | 0.0501% | 5,706 |
| Return on assets (ROA) | 0.1833% | 5,406 |
| Pretax return on assets | 0.2208% | 5,412 |
| Return on Equity (ROE) | 1.5849% | 5,435 |
| Retained earnings to average equity (ytd only) | 1.5849% | 4,447 |
| Net charge-offs to loans | 3.6559% | 410 |
| Credit loss provision to net charge-offs | 14.5475% | 6,161 |
| Earnings coverage of net charge-offs (x) | 0.1663% | 5,505 |
| Efficiency ratio | 85.6680% | 2,258 |
| Assets per employee ($millions) | 2.8239% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 3,659 |
| Loan loss allowance to noncurrent loans | 31.6362% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 4.9715% | 1,070 |
| Noncurrent loans to loans | 4.4652% | 1,447 |
| Net loans and leases to total assets | 76.0617% | 2,166 |
| Net loans and leases to deposits | 111.7428% | 488 |
| Net loans and leases to core deposits | 137.6222% | 1,124 |
| Total domestic deposits to total assets | 68.0686% | 7,619 |
| Equity capital to assets | 11.8464% | 2,296 |
| Core capital (leverage) ratio | 10.3797% | 2,924 |
| Tier 1 risk-based capital ratio | 14.1446% | 3,431 |
| Total risk-based capital ratio | 15.3978% | 3,368 |
| Memoranda: | ||
| Average total assets | $245,490,670 | 2,692 |
| Average earning assets | $221,412,000 | 2,727 |
| Average equity | $28,392,670 | 2,383 |
| Average total loans | $194,041,670 | 2,413 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8955% | 2,823 |
| Cost of funding earning assets | 2.6505% | 1,410 |
| Net interest margin | 3.2450% | 5,709 |
| Noninterest income to average assets | 1.2424% | 927 |
| Noninterest expense to average assets | 3.8143% | 1,445 |
| Loan and lease loss provision to assets | 0.4254% | 2,795 |
| Net operating income to assets | -0.0496% | 6,335 |
| Return on assets (ROA) | 0.2063% | 5,806 |
| Pretax return on assets | 0.2562% | 5,799 |
| Return on Equity (ROE) | 1.8046% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.8046% | 4,843 |
| Net charge-offs to loans | 0.2922% | 2,942 |
| Credit loss provision to net charge-offs | 182.0690% | 2,390 |
| Earnings coverage of net charge-offs (x) | 1.5655% | 3,945 |
| Efficiency ratio | 87.8180% | 1,911 |
| Assets per employee ($millions) | 2.9315% | 6,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8997% | 528 |
| Loan loss allowance to noncurrent loans | 44.8961% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 5.7252% | 718 |
| Noncurrent loans to loans | 6.4587% | 690 |
| Net loans and leases to total assets | 77.4875% | 1,936 |
| Net loans and leases to deposits | 116.4773% | 376 |
| Net loans and leases to core deposits | 144.2141% | 926 |
| Total domestic deposits to total assets | 66.5258% | 7,701 |
| Equity capital to assets | 11.4068% | 2,655 |
| Core capital (leverage) ratio | 9.9352% | 3,474 |
| Tier 1 risk-based capital ratio | 13.7851% | 3,707 |
| Total risk-based capital ratio | 15.0597% | 3,612 |
| Memoranda: | ||
| Average total assets | $248,221,000 | 2,669 |
| Average earning assets | $224,715,500 | 2,710 |
| Average equity | $28,371,500 | 2,391 |
| Average total loans | $198,469,000 | 2,386 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2409% | 4,294 |
| Cost of funding earning assets | 3.1655% | 1,299 |
| Net interest margin | 3.0754% | 6,723 |
| Noninterest income to average assets | 1.1843% | 1,088 |
| Noninterest expense to average assets | 4.0862% | 1,300 |
| Loan and lease loss provision to assets | 1.7684% | 715 |
| Net operating income to assets | -1.2750% | 7,373 |
| Return on assets (ROA) | -1.2423% | 7,304 |
| Pretax return on assets | -1.8505% | 7,391 |
| Return on Equity (ROE) | -10.2267% | 7,292 |
| Retained earnings to average equity (ytd only) | -10.2267% | 7,090 |
| Net charge-offs to loans | 1.3937% | 844 |
| Credit loss provision to net charge-offs | 158.6504% | 3,262 |
| Earnings coverage of net charge-offs (x) | -0.1174% | 6,325 |
| Efficiency ratio | 99.0087% | 1,019 |
| Assets per employee ($millions) | 2.4727% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8507% | 492 |
| Loan loss allowance to noncurrent loans | 46.4048% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 5.5556% | 576 |
| Noncurrent loans to loans | 6.1431% | 565 |
| Net loans and leases to total assets | 77.8290% | 2,188 |
| Net loans and leases to deposits | 115.5327% | 542 |
| Net loans and leases to core deposits | 146.3230% | 1,005 |
| Total domestic deposits to total assets | 67.3654% | 7,528 |
| Equity capital to assets | 11.4533% | 2,667 |
| Core capital (leverage) ratio | 10.2136% | 3,251 |
| Tier 1 risk-based capital ratio | 14.4715% | 3,312 |
| Total risk-based capital ratio | 15.7468% | 3,218 |
| Memoranda: | ||
| Average total assets | $249,937,200 | 2,566 |
| Average earning assets | $225,209,200 | 2,596 |
| Average equity | $30,361,800 | 2,230 |
| Average total loans | $199,901,800 | 2,300 |