Home > First Home Bank > Performance and Condition Ratios
First Home Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 4,440 |
| Cost of funding earning assets | 0.6264% | 1,372 |
| Net interest margin | 3.0262% | 4,862 |
| Noninterest income to average assets | 0.4175% | 3,573 |
| Noninterest expense to average assets | 2.6469% | 3,256 |
| Loan and lease loss provision to assets | 0.0539% | 3,018 |
| Net operating income to assets | 0.3344% | 5,146 |
| Return on assets (ROA) | 0.3264% | 5,190 |
| Pretax return on assets | 0.4972% | 5,036 |
| Return on Equity (ROE) | 3.8070% | 4,915 |
| Retained earnings to average equity (ytd only) | -0.8383% | 5,334 |
| Net charge-offs to loans | -0.0037% | 4,405 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4594% | 879 |
| Assets per employee ($millions) | 3.3462% | 4,914 |
| Cash dividends to net income (ytd only)* | 122.0175% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,540 |
| Loan loss allowance to noncurrent loans | 223.7267% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 3,567 |
| Noncurrent loans to loans | 0.5659% | 3,000 |
| Net loans and leases to total assets | 63.5924% | 3,473 |
| Net loans and leases to deposits | 74.7915% | 3,492 |
| Net loans and leases to core deposits | 77.1790% | 3,712 |
| Total domestic deposits to total assets | 85.0262% | 2,700 |
| Equity capital to assets | 8.6465% | 5,192 |
| Core capital (leverage) ratio | 8.2961% | 5,372 |
| Tier 1 risk-based capital ratio | 12.9489% | 4,046 |
| Total risk-based capital ratio | 14.2016% | 3,951 |
| Memoranda: | ||
| Average total assets | $222,593,750 | 2,728 |
| Average earning assets | $205,401,500 | 2,733 |
| Average equity | $19,087,000 | 3,261 |
| Average total loans | $143,626,250 | 2,745 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,436 |
| Cost of funding earning assets | 0.6178% | 1,342 |
| Net interest margin | 3.0102% | 4,889 |
| Noninterest income to average assets | 0.3961% | 3,715 |
| Noninterest expense to average assets | 2.6446% | 3,291 |
| Loan and lease loss provision to assets | 0.0807% | 2,373 |
| Net operating income to assets | 0.2968% | 5,229 |
| Return on assets (ROA) | 0.2832% | 5,275 |
| Pretax return on assets | 0.4275% | 5,123 |
| Return on Equity (ROE) | 3.3117% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.2637% | 4,321 |
| Net charge-offs to loans | -0.0042% | 4,295 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3380% | 890 |
| Assets per employee ($millions) | 3.4398% | 4,809 |
| Cash dividends to net income (ytd only)* | 31.6456% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,864 |
| Loan loss allowance to noncurrent loans | 562.5000% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,482 |
| Noncurrent loans to loans | 0.2178% | 4,255 |
| Net loans and leases to total assets | 63.9308% | 3,393 |
| Net loans and leases to deposits | 75.5244% | 3,399 |
| Net loans and leases to core deposits | 77.8747% | 3,609 |
| Total domestic deposits to total assets | 84.6492% | 2,960 |
| Equity capital to assets | 8.5271% | 5,285 |
| Core capital (leverage) ratio | 8.3590% | 5,314 |
| Tier 1 risk-based capital ratio | 12.7291% | 4,166 |
| Total risk-based capital ratio | 13.9605% | 4,088 |
| Memoranda: | ||
| Average total assets | $223,174,330 | 2,736 |
| Average earning assets | $205,897,670 | 2,746 |
| Average equity | $19,084,000 | 3,266 |
| Average total loans | $144,086,330 | 2,743 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,457 |
| Cost of funding earning assets | 0.6118% | 1,288 |
| Net interest margin | 2.9725% | 4,951 |
| Noninterest income to average assets | 0.3996% | 3,665 |
| Noninterest expense to average assets | 2.6830% | 3,204 |
| Loan and lease loss provision to assets | 0.1085% | 1,759 |
| Net operating income to assets | 0.2555% | 5,294 |
| Return on assets (ROA) | 0.2423% | 5,334 |
| Pretax return on assets | 0.3309% | 5,269 |
| Return on Equity (ROE) | 2.8290% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.3012% | 4,219 |
| Net charge-offs to loans | 0.0168% | 2,453 |
| Credit loss provision to net charge-offs | 1,000.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 997 |
| Efficiency ratio | 85.4347% | 850 |
| Assets per employee ($millions) | 3.2822% | 5,064 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 3,142 |
| Loan loss allowance to noncurrent loans | 867.4877% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,756 |
| Noncurrent loans to loans | 0.1383% | 4,639 |
| Net loans and leases to total assets | 64.9887% | 3,120 |
| Net loans and leases to deposits | 77.1149% | 3,062 |
| Net loans and leases to core deposits | 79.9324% | 3,304 |
| Total domestic deposits to total assets | 84.2751% | 3,369 |
| Equity capital to assets | 8.5430% | 5,208 |
| Core capital (leverage) ratio | 8.3458% | 5,346 |
| Tier 1 risk-based capital ratio | 12.7087% | 4,254 |
| Total risk-based capital ratio | 13.9249% | 4,183 |
| Memoranda: | ||
| Average total assets | $221,246,500 | 2,781 |
| Average earning assets | $204,003,500 | 2,788 |
| Average equity | $18,946,500 | 3,294 |
| Average total loans | $142,658,500 | 2,776 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6165% | 4,471 |
| Cost of funding earning assets | 0.6071% | 1,290 |
| Net interest margin | 3.0095% | 4,940 |
| Noninterest income to average assets | 0.4437% | 3,587 |
| Noninterest expense to average assets | 2.8363% | 2,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4589% | 4,772 |
| Return on assets (ROA) | 0.4653% | 4,831 |
| Pretax return on assets | 0.3962% | 5,231 |
| Return on Equity (ROE) | 5.3473% | 4,254 |
| Retained earnings to average equity (ytd only) | 4.8173% | 2,461 |
| Net charge-offs to loans | -0.0037% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9199% | 684 |
| Assets per employee ($millions) | 3.2732% | 5,076 |
| Cash dividends to net income (ytd only)* | 9.9108% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,925 |
| Loan loss allowance to noncurrent loans | 720.2532% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,882 |
| Noncurrent loans to loans | 0.1711% | 4,550 |
| Net loans and leases to total assets | 62.3798% | 3,563 |
| Net loans and leases to deposits | 74.8419% | 3,431 |
| Net loans and leases to core deposits | 77.5429% | 3,601 |
| Total domestic deposits to total assets | 83.3488% | 3,647 |
| Equity capital to assets | 8.5844% | 5,206 |
| Core capital (leverage) ratio | 8.3422% | 5,406 |
| Tier 1 risk-based capital ratio | 13.2518% | 3,921 |
| Total risk-based capital ratio | 14.4913% | 3,845 |
| Memoranda: | ||
| Average total assets | $216,835,400 | 2,788 |
| Average earning assets | $200,468,000 | 2,783 |
| Average equity | $18,869,400 | 3,285 |
| Average total loans | $134,260,200 | 2,862 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6048% | 4,542 |
| Cost of funding earning assets | 0.6056% | 1,282 |
| Net interest margin | 2.9993% | 5,014 |
| Noninterest income to average assets | 0.4526% | 3,541 |
| Noninterest expense to average assets | 2.7373% | 3,230 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3248% | 5,228 |
| Return on assets (ROA) | 0.3305% | 5,291 |
| Pretax return on assets | 0.5001% | 5,125 |
| Return on Equity (ROE) | 3.7852% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.2555% | 3,958 |
| Net charge-offs to loans | 0.0160% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 49.8190% | 1,075 |
| Efficiency ratio | 84.7785% | 929 |
| Assets per employee ($millions) | 3.4356% | 4,861 |
| Cash dividends to net income (ytd only)* | 13.9929% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,922 |
| Loan loss allowance to noncurrent loans | 2,408.5714% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,368 |
| Noncurrent loans to loans | 0.0521% | 5,150 |
| Net loans and leases to total assets | 60.2894% | 3,837 |
| Net loans and leases to deposits | 72.1402% | 3,792 |
| Net loans and leases to core deposits | 74.8384% | 3,937 |
| Total domestic deposits to total assets | 83.5726% | 3,368 |
| Equity capital to assets | 8.8018% | 5,317 |
| Core capital (leverage) ratio | 8.1360% | 5,622 |
| Tier 1 risk-based capital ratio | 13.1951% | 4,038 |
| Total risk-based capital ratio | 14.4518% | 3,943 |
| Memoranda: | ||
| Average total assets | $216,218,000 | 2,804 |
| Average earning assets | $200,133,750 | 2,801 |
| Average equity | $18,880,250 | 3,308 |
| Average total loans | $133,198,000 | 2,883 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 4,549 |
| Cost of funding earning assets | 0.6018% | 1,300 |
| Net interest margin | 3.0129% | 5,051 |
| Noninterest income to average assets | 0.4595% | 3,460 |
| Noninterest expense to average assets | 2.7535% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3241% | 5,254 |
| Return on assets (ROA) | 0.3284% | 5,327 |
| Pretax return on assets | 0.4977% | 5,134 |
| Return on Equity (ROE) | 3.7708% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.2367% | 3,830 |
| Net charge-offs to loans | -0.0090% | 4,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8624% | 977 |
| Assets per employee ($millions) | 3.2480% | 5,140 |
| Cash dividends to net income (ytd only)* | 14.1643% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,094 |
| Loan loss allowance to noncurrent loans | 2,135.0000% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 5,431 |
| Noncurrent loans to loans | 0.0584% | 5,217 |
| Net loans and leases to total assets | 62.1792% | 3,606 |
| Net loans and leases to deposits | 74.2332% | 3,565 |
| Net loans and leases to core deposits | 76.9148% | 3,746 |
| Total domestic deposits to total assets | 83.7620% | 3,362 |
| Equity capital to assets | 8.9126% | 5,305 |
| Core capital (leverage) ratio | 8.0521% | 5,699 |
| Tier 1 risk-based capital ratio | 12.8831% | 4,269 |
| Total risk-based capital ratio | 14.1403% | 4,177 |
| Memoranda: | ||
| Average total assets | $214,998,670 | 2,829 |
| Average earning assets | $198,748,330 | 2,829 |
| Average equity | $18,722,670 | 3,336 |
| Average total loans | $132,848,000 | 2,887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5646% | 4,726 |
| Cost of funding earning assets | 0.5883% | 1,418 |
| Net interest margin | 2.9762% | 5,171 |
| Noninterest income to average assets | 0.4736% | 3,323 |
| Noninterest expense to average assets | 2.7385% | 3,282 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3282% | 5,218 |
| Return on assets (ROA) | 0.3257% | 5,309 |
| Pretax return on assets | 0.4773% | 5,146 |
| Return on Equity (ROE) | 3.7854% | 4,966 |
| Retained earnings to average equity (ytd only) | 3.7854% | 3,604 |
| Net charge-offs to loans | 0.0367% | 2,250 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 21.4167% | 1,430 |
| Efficiency ratio | 85.0581% | 1,058 |
| Assets per employee ($millions) | 3.2465% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,197 |
| Loan loss allowance to noncurrent loans | 1,609.5238% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,430 |
| Noncurrent loans to loans | 0.0776% | 5,165 |
| Net loans and leases to total assets | 62.3539% | 3,480 |
| Net loans and leases to deposits | 74.5679% | 3,363 |
| Net loans and leases to core deposits | 77.3292% | 3,565 |
| Total domestic deposits to total assets | 83.6204% | 3,670 |
| Equity capital to assets | 8.8234% | 5,322 |
| Core capital (leverage) ratio | 8.1660% | 5,673 |
| Tier 1 risk-based capital ratio | 12.8434% | 4,362 |
| Total risk-based capital ratio | 14.1008% | 4,264 |
| Memoranda: | ||
| Average total assets | $213,691,500 | 2,849 |
| Average earning assets | $197,163,500 | 2,854 |
| Average equity | $18,386,500 | 3,389 |
| Average total loans | $130,763,000 | 2,923 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5725% | 4,743 |
| Cost of funding earning assets | 0.5906% | 1,432 |
| Net interest margin | 2.9819% | 5,181 |
| Noninterest income to average assets | 0.3944% | 4,068 |
| Noninterest expense to average assets | 2.7713% | 3,347 |
| Loan and lease loss provision to assets | 0.0123% | 4,165 |
| Net operating income to assets | 1.3930% | 1,046 |
| Return on assets (ROA) | 1.3876% | 1,102 |
| Pretax return on assets | 0.3609% | 5,406 |
| Return on Equity (ROE) | 16.6291% | 491 |
| Retained earnings to average equity (ytd only) | 16.0399% | 113 |
| Net charge-offs to loans | -0.0430% | 5,510 |
| Credit loss provision to net charge-offs | -47.1698% | 5,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9800% | 834 |
| Assets per employee ($millions) | 3.1808% | 5,310 |
| Cash dividends to net income (ytd only)* | 3.5436% | 4,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,675 |
| Loan loss allowance to noncurrent loans | 1,870.3297% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 5,487 |
| Noncurrent loans to loans | 0.0721% | 5,218 |
| Net loans and leases to total assets | 58.4329% | 4,027 |
| Net loans and leases to deposits | 70.0739% | 3,916 |
| Net loans and leases to core deposits | 72.8415% | 4,054 |
| Total domestic deposits to total assets | 83.3875% | 3,715 |
| Equity capital to assets | 8.3839% | 5,644 |
| Core capital (leverage) ratio | 8.2212% | 5,675 |
| Tier 1 risk-based capital ratio | 13.3426% | 4,082 |
| Total risk-based capital ratio | 14.6056% | 4,023 |
| Memoranda: | ||
| Average total assets | $203,369,600 | 2,909 |
| Average earning assets | $187,935,800 | 2,914 |
| Average equity | $16,970,200 | 3,529 |
| Average total loans | $123,274,000 | 3,006 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 4,774 |
| Cost of funding earning assets | 0.5904% | 1,468 |
| Net interest margin | 2.9980% | 5,195 |
| Noninterest income to average assets | 0.4579% | 3,656 |
| Noninterest expense to average assets | 2.8154% | 3,122 |
| Loan and lease loss provision to assets | 0.0398% | 3,415 |
| Net operating income to assets | 1.7053% | 616 |
| Return on assets (ROA) | 1.6980% | 651 |
| Pretax return on assets | 0.3683% | 5,532 |
| Return on Equity (ROE) | 20.3745% | 253 |
| Retained earnings to average equity (ytd only) | 19.7774% | 67 |
| Net charge-offs to loans | -0.0392% | 5,458 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1432% | 923 |
| Assets per employee ($millions) | 3.0215% | 5,525 |
| Cash dividends to net income (ytd only)* | 2.9309% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 2,648 |
| Loan loss allowance to noncurrent loans | 1,023.8095% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,401 |
| Noncurrent loans to loans | 0.1357% | 5,089 |
| Net loans and leases to total assets | 59.4038% | 3,951 |
| Net loans and leases to deposits | 70.7911% | 3,904 |
| Net loans and leases to core deposits | 73.5101% | 4,060 |
| Total domestic deposits to total assets | 83.9141% | 3,466 |
| Equity capital to assets | 8.9395% | 5,362 |
| Core capital (leverage) ratio | 8.1625% | 5,806 |
| Tier 1 risk-based capital ratio | 13.8532% | 3,935 |
| Total risk-based capital ratio | 15.1178% | 3,872 |
| Memoranda: | ||
| Average total assets | $200,934,250 | 2,959 |
| Average earning assets | $185,853,000 | 2,957 |
| Average equity | $16,746,000 | 3,593 |
| Average total loans | $122,535,250 | 3,034 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5876% | 4,753 |
| Cost of funding earning assets | 0.5857% | 1,523 |
| Net interest margin | 3.0019% | 5,212 |
| Noninterest income to average assets | 0.4423% | 3,763 |
| Noninterest expense to average assets | 2.8241% | 3,149 |
| Loan and lease loss provision to assets | 0.0602% | 2,900 |
| Net operating income to assets | 2.4400% | 184 |
| Return on assets (ROA) | 2.4290% | 194 |
| Pretax return on assets | 0.3330% | 5,599 |
| Return on Equity (ROE) | 29.8908% | 71 |
| Retained earnings to average equity (ytd only) | 29.5822% | 33 |
| Net charge-offs to loans | -0.0344% | 5,380 |
| Credit loss provision to net charge-offs | -285.7143% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4806% | 942 |
| Assets per employee ($millions) | 3.1183% | 5,443 |
| Cash dividends to net income (ytd only)* | 1.0322% | 3,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3610% | 2,924 |
| Loan loss allowance to noncurrent loans | 974.2857% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,326 |
| Noncurrent loans to loans | 0.1397% | 5,190 |
| Net loans and leases to total assets | 60.9652% | 3,696 |
| Net loans and leases to deposits | 71.6798% | 3,748 |
| Net loans and leases to core deposits | 74.1776% | 3,947 |
| Total domestic deposits to total assets | 85.0521% | 3,102 |
| Equity capital to assets | 8.7187% | 5,509 |
| Core capital (leverage) ratio | 8.3304% | 5,695 |
| Tier 1 risk-based capital ratio | 13.6791% | 4,108 |
| Total risk-based capital ratio | 14.9438% | 4,036 |
| Memoranda: | ||
| Average total assets | $199,425,670 | 3,000 |
| Average earning assets | $185,083,670 | 2,990 |
| Average equity | $16,205,670 | 3,693 |
| Average total loans | $122,123,330 | 3,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 4,730 |
| Cost of funding earning assets | 0.5706% | 1,657 |
| Net interest margin | 3.0156% | 5,170 |
| Noninterest income to average assets | 0.4308% | 3,759 |
| Noninterest expense to average assets | 2.8494% | 3,074 |
| Loan and lease loss provision to assets | 0.1213% | 1,710 |
| Net operating income to assets | 0.2710% | 5,503 |
| Return on assets (ROA) | 0.2427% | 5,672 |
| Pretax return on assets | 0.2427% | 5,766 |
| Return on Equity (ROE) | 3.1023% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.1023% | 4,122 |
| Net charge-offs to loans | -0.0365% | 5,362 |
| Credit loss provision to net charge-offs | -545.4545% | 4,841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8977% | 1,021 |
| Assets per employee ($millions) | 3.0582% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3728% | 3,049 |
| Loan loss allowance to noncurrent loans | 614.1304% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 5,184 |
| Noncurrent loans to loans | 0.2235% | 4,973 |
| Net loans and leases to total assets | 61.2578% | 3,488 |
| Net loans and leases to deposits | 71.1726% | 3,627 |
| Net loans and leases to core deposits | 73.5551% | 3,821 |
| Total domestic deposits to total assets | 86.0694% | 2,904 |
| Equity capital to assets | 8.0423% | 6,013 |
| Core capital (leverage) ratio | 8.2898% | 5,738 |
| Tier 1 risk-based capital ratio | 13.7112% | 4,211 |
| Total risk-based capital ratio | 14.9632% | 4,119 |
| Memoranda: | ||
| Average total assets | $197,793,000 | 3,038 |
| Average earning assets | $184,376,500 | 3,004 |
| Average equity | $15,472,500 | 3,837 |
| Average total loans | $120,547,000 | 3,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4715% | 5,390 |
| Cost of funding earning assets | 0.5816% | 1,936 |
| Net interest margin | 2.8899% | 5,665 |
| Noninterest income to average assets | 0.5297% | 3,297 |
| Noninterest expense to average assets | 2.9518% | 2,994 |
| Loan and lease loss provision to assets | 0.0146% | 4,317 |
| Net operating income to assets | 0.2755% | 5,583 |
| Return on assets (ROA) | 0.2864% | 5,620 |
| Pretax return on assets | 0.2864% | 5,725 |
| Return on Equity (ROE) | 3.9647% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.9647% | 3,394 |
| Net charge-offs to loans | -0.0054% | 5,471 |
| Credit loss provision to net charge-offs | -466.6667% | 5,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0520% | 777 |
| Assets per employee ($millions) | 2.8941% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 3,041 |
| Loan loss allowance to noncurrent loans | 263.2091% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,790 |
| Noncurrent loans to loans | 0.5245% | 4,095 |
| Net loans and leases to total assets | 58.9446% | 3,923 |
| Net loans and leases to deposits | 68.3504% | 4,091 |
| Net loans and leases to core deposits | 70.3104% | 4,299 |
| Total domestic deposits to total assets | 86.2388% | 2,699 |
| Equity capital to assets | 7.6006% | 6,204 |
| Core capital (leverage) ratio | 8.2350% | 5,836 |
| Tier 1 risk-based capital ratio | 14.6409% | 3,701 |
| Total risk-based capital ratio | 15.8933% | 3,625 |
| Memoranda: | ||
| Average total assets | $192,358,600 | 3,082 |
| Average earning assets | $180,524,800 | 3,035 |
| Average equity | $13,897,800 | 4,043 |
| Average total loans | $110,837,600 | 3,200 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4619% | 5,467 |
| Cost of funding earning assets | 0.5791% | 2,025 |
| Net interest margin | 2.8828% | 5,739 |
| Noninterest income to average assets | 0.5431% | 3,243 |
| Noninterest expense to average assets | 2.9490% | 2,963 |
| Loan and lease loss provision to assets | 0.0195% | 4,011 |
| Net operating income to assets | 0.2816% | 5,649 |
| Return on assets (ROA) | 0.3012% | 5,652 |
| Pretax return on assets | 0.3012% | 5,770 |
| Return on Equity (ROE) | 4.2250% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.2250% | 3,645 |
| Net charge-offs to loans | -0.0122% | 5,477 |
| Credit loss provision to net charge-offs | -280.0000% | 5,630 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7336% | 795 |
| Assets per employee ($millions) | 2.9212% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4386% | 3,001 |
| Loan loss allowance to noncurrent loans | 189.0825% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 4,542 |
| Noncurrent loans to loans | 0.7609% | 3,696 |
| Net loans and leases to total assets | 58.7389% | 3,972 |
| Net loans and leases to deposits | 66.5990% | 4,270 |
| Net loans and leases to core deposits | 68.4262% | 4,465 |
| Total domestic deposits to total assets | 88.1979% | 1,659 |
| Equity capital to assets | 7.4489% | 6,317 |
| Core capital (leverage) ratio | 8.3758% | 5,783 |
| Tier 1 risk-based capital ratio | 15.3106% | 3,418 |
| Total risk-based capital ratio | 16.5637% | 3,356 |
| Memoranda: | ||
| Average total assets | $191,248,250 | 3,118 |
| Average earning assets | $179,589,500 | 3,066 |
| Average equity | $13,632,750 | 4,105 |
| Average total loans | $109,140,250 | 3,260 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 5,590 |
| Cost of funding earning assets | 0.5721% | 2,146 |
| Net interest margin | 2.8449% | 5,826 |
| Noninterest income to average assets | 0.5623% | 3,034 |
| Noninterest expense to average assets | 2.9013% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3328% | 5,457 |
| Return on assets (ROA) | 0.3620% | 5,435 |
| Pretax return on assets | 0.3620% | 5,656 |
| Return on Equity (ROE) | 5.1551% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.1551% | 2,857 |
| Net charge-offs to loans | 0.0056% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 106.3333% | 534 |
| Efficiency ratio | 89.7097% | 940 |
| Assets per employee ($millions) | 2.8018% | 6,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4231% | 3,230 |
| Loan loss allowance to noncurrent loans | 244.9074% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 4,895 |
| Noncurrent loans to loans | 0.5811% | 4,282 |
| Net loans and leases to total assets | 56.8646% | 4,133 |
| Net loans and leases to deposits | 65.4466% | 4,324 |
| Net loans and leases to core deposits | 67.2334% | 4,528 |
| Total domestic deposits to total assets | 86.8869% | 2,523 |
| Equity capital to assets | 7.3296% | 6,385 |
| Core capital (leverage) ratio | 8.1771% | 5,953 |
| Tier 1 risk-based capital ratio | 15.4703% | 3,367 |
| Total risk-based capital ratio | 16.7240% | 3,307 |
| Memoranda: | ||
| Average total assets | $191,704,000 | 3,128 |
| Average earning assets | $180,041,330 | 3,080 |
| Average equity | $13,462,330 | 4,141 |
| Average total loans | $107,799,670 | 3,289 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 5,691 |
| Cost of funding earning assets | 0.5805% | 2,153 |
| Net interest margin | 2.8000% | 5,932 |
| Noninterest income to average assets | 0.6077% | 2,693 |
| Noninterest expense to average assets | 2.8791% | 3,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3562% | 5,291 |
| Return on assets (ROA) | 0.3939% | 5,212 |
| Pretax return on assets | 0.3939% | 5,478 |
| Return on Equity (ROE) | 5.7367% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7367% | 2,674 |
| Net charge-offs to loans | 0.0491% | 2,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 13.0769% | 1,682 |
| Efficiency ratio | 88.9896% | 1,127 |
| Assets per employee ($millions) | 2.8913% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 3,303 |
| Loan loss allowance to noncurrent loans | 239.3020% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 5,057 |
| Noncurrent loans to loans | 0.6126% | 4,326 |
| Net loans and leases to total assets | 54.7198% | 4,320 |
| Net loans and leases to deposits | 62.7425% | 4,463 |
| Net loans and leases to core deposits | 64.2863% | 4,669 |
| Total domestic deposits to total assets | 87.2132% | 2,691 |
| Equity capital to assets | 6.9617% | 6,457 |
| Core capital (leverage) ratio | 8.1375% | 6,006 |
| Tier 1 risk-based capital ratio | 15.5333% | 3,414 |
| Total risk-based capital ratio | 16.7871% | 3,384 |
| Memoranda: | ||
| Average total assets | $190,893,000 | 3,153 |
| Average earning assets | $179,145,500 | 3,110 |
| Average equity | $13,108,500 | 4,216 |
| Average total loans | $105,939,000 | 3,348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4216% | 5,796 |
| Cost of funding earning assets | 0.6614% | 2,111 |
| Net interest margin | 2.7602% | 6,045 |
| Noninterest income to average assets | 0.5218% | 3,612 |
| Noninterest expense to average assets | 2.8042% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2917% | 5,553 |
| Return on assets (ROA) | 0.3416% | 5,480 |
| Pretax return on assets | 0.3421% | 5,624 |
| Return on Equity (ROE) | 4.5918% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.5918% | 2,888 |
| Net charge-offs to loans | 0.1177% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.7521% | 3,473 |
| Efficiency ratio | 90.2749% | 1,004 |
| Assets per employee ($millions) | 2.6489% | 6,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,073 |
| Loan loss allowance to noncurrent loans | 368.9095% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.3557% | 5,188 |
| Noncurrent loans to loans | 0.4132% | 4,971 |
| Net loans and leases to total assets | 54.6126% | 4,516 |
| Net loans and leases to deposits | 62.7095% | 4,647 |
| Net loans and leases to core deposits | 64.1192% | 4,854 |
| Total domestic deposits to total assets | 87.0883% | 2,677 |
| Equity capital to assets | 6.7693% | 6,520 |
| Core capital (leverage) ratio | 8.2451% | 5,931 |
| Tier 1 risk-based capital ratio | 16.0055% | 3,088 |
| Total risk-based capital ratio | 17.2591% | 3,046 |
| Memoranda: | ||
| Average total assets | $190,287,400 | 3,152 |
| Average earning assets | $177,489,600 | 3,108 |
| Average equity | $14,155,600 | 4,034 |
| Average total loans | $99,408,400 | 3,459 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 5,870 |
| Cost of funding earning assets | 0.6841% | 2,067 |
| Net interest margin | 2.7200% | 6,139 |
| Noninterest income to average assets | 0.5387% | 3,529 |
| Noninterest expense to average assets | 2.7422% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3298% | 5,496 |
| Return on assets (ROA) | 0.3612% | 5,533 |
| Pretax return on assets | 0.3612% | 5,716 |
| Return on Equity (ROE) | 4.7501% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.7501% | 3,271 |
| Net charge-offs to loans | 0.1358% | 3,180 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 4.7200% | 3,371 |
| Efficiency ratio | 88.8788% | 1,091 |
| Assets per employee ($millions) | 2.5325% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,059 |
| Loan loss allowance to noncurrent loans | 321.4000% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,425 |
| Noncurrent loans to loans | 0.4939% | 4,962 |
| Net loans and leases to total assets | 53.1573% | 4,725 |
| Net loans and leases to deposits | 61.3393% | 4,828 |
| Net loans and leases to core deposits | 62.3838% | 5,073 |
| Total domestic deposits to total assets | 86.6610% | 2,882 |
| Equity capital to assets | 7.2159% | 6,487 |
| Core capital (leverage) ratio | 8.2436% | 6,021 |
| Tier 1 risk-based capital ratio | 16.2884% | 3,045 |
| Total risk-based capital ratio | 17.5427% | 3,004 |
| Memoranda: | ||
| Average total assets | $190,841,750 | 3,171 |
| Average earning assets | $177,738,750 | 3,133 |
| Average equity | $14,511,750 | 4,011 |
| Average total loans | $98,185,500 | 3,521 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3680% | 5,974 |
| Cost of funding earning assets | 0.6947% | 2,108 |
| Net interest margin | 2.6734% | 6,223 |
| Noninterest income to average assets | 0.5063% | 3,789 |
| Noninterest expense to average assets | 2.7294% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2625% | 5,738 |
| Return on assets (ROA) | 0.3094% | 5,724 |
| Pretax return on assets | 0.3094% | 5,854 |
| Return on Equity (ROE) | 4.0023% | 5,216 |
| Retained earnings to average equity (ytd only) | 4.0023% | 3,748 |
| Net charge-offs to loans | 0.2161% | 2,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,720 |
| Efficiency ratio | 90.6337% | 1,014 |
| Assets per employee ($millions) | 2.5706% | 6,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 2,981 |
| Loan loss allowance to noncurrent loans | 348.2609% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 5,220 |
| Noncurrent loans to loans | 0.4735% | 5,078 |
| Net loans and leases to total assets | 49.5625% | 5,152 |
| Net loans and leases to deposits | 57.6078% | 5,195 |
| Net loans and leases to core deposits | 58.4768% | 5,377 |
| Total domestic deposits to total assets | 86.0344% | 3,345 |
| Equity capital to assets | 7.1387% | 6,567 |
| Core capital (leverage) ratio | 7.9219% | 6,236 |
| Tier 1 risk-based capital ratio | 16.5889% | 2,897 |
| Total risk-based capital ratio | 17.8436% | 2,851 |
| Memoranda: | ||
| Average total assets | $191,987,000 | 3,168 |
| Average earning assets | $178,501,670 | 3,141 |
| Average equity | $14,841,330 | 3,978 |
| Average total loans | $97,171,670 | 3,561 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 6,018 |
| Cost of funding earning assets | 0.6952% | 2,262 |
| Net interest margin | 2.6678% | 6,276 |
| Noninterest income to average assets | 0.4677% | 4,006 |
| Noninterest expense to average assets | 2.6787% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2568% | 5,703 |
| Return on assets (ROA) | 0.3445% | 5,526 |
| Pretax return on assets | 0.3445% | 5,735 |
| Return on Equity (ROE) | 4.2911% | 4,946 |
| Retained earnings to average equity (ytd only) | 4.2911% | 3,648 |
| Net charge-offs to loans | 0.1317% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.8438% | 2,662 |
| Efficiency ratio | 90.2560% | 1,126 |
| Assets per employee ($millions) | 2.5838% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7031% | 2,996 |
| Loan loss allowance to noncurrent loans | 260.0932% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 4,826 |
| Noncurrent loans to loans | 0.6548% | 4,812 |
| Net loans and leases to total assets | 49.2326% | 5,084 |
| Net loans and leases to deposits | 58.1243% | 5,014 |
| Net loans and leases to core deposits | 58.8894% | 5,258 |
| Total domestic deposits to total assets | 84.7022% | 4,179 |
| Equity capital to assets | 7.8277% | 6,458 |
| Core capital (leverage) ratio | 7.7827% | 6,305 |
| Tier 1 risk-based capital ratio | 15.7285% | 3,412 |
| Total risk-based capital ratio | 16.9841% | 3,368 |
| Memoranda: | ||
| Average total assets | $191,583,000 | 3,204 |
| Average earning assets | $177,222,000 | 3,183 |
| Average equity | $15,380,500 | 3,925 |
| Average total loans | $97,179,500 | 3,587 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 6,274 |
| Cost of funding earning assets | 0.7546% | 3,053 |
| Net interest margin | 2.8113% | 6,370 |
| Noninterest income to average assets | 0.1580% | 6,246 |
| Noninterest expense to average assets | 3.3737% | 2,119 |
| Loan and lease loss provision to assets | 0.1086% | 4,273 |
| Net operating income to assets | -0.7158% | 6,655 |
| Return on assets (ROA) | -0.2677% | 6,474 |
| Pretax return on assets | -0.2677% | 6,460 |
| Return on Equity (ROE) | -3.2676% | 6,511 |
| Retained earnings to average equity (ytd only) | -3.2676% | 6,285 |
| Net charge-offs to loans | 0.1736% | 3,987 |
| Credit loss provision to net charge-offs | 125.1497% | 2,262 |
| Earnings coverage of net charge-offs (x) | -6.9940% | 5,926 |
| Efficiency ratio | 120.7441% | 206 |
| Assets per employee ($millions) | 2.7880% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,661 |
| Loan loss allowance to noncurrent loans | 352.6860% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.6280% | 4,899 |
| Noncurrent loans to loans | 0.5041% | 5,276 |
| Net loans and leases to total assets | 50.4823% | 5,104 |
| Net loans and leases to deposits | 58.2138% | 5,216 |
| Net loans and leases to core deposits | 58.9987% | 5,452 |
| Total domestic deposits to total assets | 86.7188% | 2,979 |
| Equity capital to assets | 8.2388% | 6,249 |
| Core capital (leverage) ratio | 8.1006% | 6,089 |
| Tier 1 risk-based capital ratio | 16.5597% | 2,858 |
| Total risk-based capital ratio | 17.8179% | 2,824 |
| Memoranda: | ||
| Average total assets | $192,371,200 | 3,146 |
| Average earning assets | $178,493,600 | 3,111 |
| Average equity | $15,760,800 | 3,817 |
| Average total loans | $96,217,400 | 3,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 6,386 |
| Cost of funding earning assets | 0.7672% | 3,217 |
| Net interest margin | 2.8401% | 6,448 |
| Noninterest income to average assets | 0.0385% | 6,841 |
| Noninterest expense to average assets | 3.2465% | 2,433 |
| Loan and lease loss provision to assets | 0.1438% | 3,736 |
| Net operating income to assets | -0.7204% | 6,784 |
| Return on assets (ROA) | -0.1273% | 6,516 |
| Pretax return on assets | -0.1273% | 6,497 |
| Return on Equity (ROE) | -1.5559% | 6,534 |
| Retained earnings to average equity (ytd only) | -1.5559% | 6,340 |
| Net charge-offs to loans | 0.1482% | 3,921 |
| Credit loss provision to net charge-offs | 195.3271% | 1,425 |
| Earnings coverage of net charge-offs (x) | -7.8320% | 5,734 |
| Efficiency ratio | 120.3608% | 193 |
| Assets per employee ($millions) | 2.8035% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8952% | 2,495 |
| Loan loss allowance to noncurrent loans | 256.8314% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 4,938 |
| Noncurrent loans to loans | 0.7379% | 4,946 |
| Net loans and leases to total assets | 48.6954% | 5,466 |
| Net loans and leases to deposits | 56.2458% | 5,613 |
| Net loans and leases to core deposits | 57.0001% | 5,812 |
| Total domestic deposits to total assets | 86.5761% | 2,935 |
| Equity capital to assets | 8.3535% | 6,382 |
| Core capital (leverage) ratio | 8.2240% | 6,113 |
| Tier 1 risk-based capital ratio | 17.4164% | 2,569 |
| Total risk-based capital ratio | 18.6751% | 2,539 |
| Memoranda: | ||
| Average total assets | $193,764,500 | 3,165 |
| Average earning assets | $179,519,250 | 3,130 |
| Average equity | $15,853,500 | 3,837 |
| Average total loans | $96,270,000 | 3,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 6,463 |
| Cost of funding earning assets | 0.7783% | 3,382 |
| Net interest margin | 2.8368% | 6,521 |
| Noninterest income to average assets | 0.0112% | 6,967 |
| Noninterest expense to average assets | 3.3309% | 2,216 |
| Loan and lease loss provision to assets | 0.2135% | 2,941 |
| Net operating income to assets | -0.9114% | 6,887 |
| Return on assets (ROA) | -0.3014% | 6,676 |
| Pretax return on assets | -0.3014% | 6,642 |
| Return on Equity (ROE) | -3.7089% | 6,712 |
| Retained earnings to average equity (ytd only) | -3.7089% | 6,530 |
| Net charge-offs to loans | 0.1275% | 3,909 |
| Credit loss provision to net charge-offs | 337.0968% | 868 |
| Earnings coverage of net charge-offs (x) | -11.0161% | 5,469 |
| Efficiency ratio | 125.2619% | 196 |
| Assets per employee ($millions) | 2.6490% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 2,694 |
| Loan loss allowance to noncurrent loans | 162.8032% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.1206% | 4,149 |
| Noncurrent loans to loans | 1.1384% | 4,251 |
| Net loans and leases to total assets | 49.6235% | 5,406 |
| Net loans and leases to deposits | 57.6257% | 5,491 |
| Net loans and leases to core deposits | 58.2893% | 5,753 |
| Total domestic deposits to total assets | 86.1136% | 3,300 |
| Equity capital to assets | 8.1075% | 6,511 |
| Core capital (leverage) ratio | 7.9302% | 6,337 |
| Tier 1 risk-based capital ratio | 16.7578% | 2,780 |
| Total risk-based capital ratio | 18.0171% | 2,732 |
| Memoranda: | ||
| Average total assets | $195,740,330 | 3,141 |
| Average earning assets | $180,907,670 | 3,112 |
| Average equity | $15,907,670 | 3,819 |
| Average total loans | $97,281,670 | 3,642 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6440% | 6,520 |
| Cost of funding earning assets | 0.8051% | 3,433 |
| Net interest margin | 2.8389% | 6,574 |
| Noninterest income to average assets | 0.3108% | 5,400 |
| Noninterest expense to average assets | 3.6217% | 1,521 |
| Loan and lease loss provision to assets | 0.4225% | 1,485 |
| Net operating income to assets | -1.1192% | 7,021 |
| Return on assets (ROA) | -1.0847% | 7,024 |
| Pretax return on assets | -1.0847% | 6,992 |
| Return on Equity (ROE) | -13.3313% | 7,047 |
| Retained earnings to average equity (ytd only) | -13.3313% | 6,940 |
| Net charge-offs to loans | -0.1278% | 6,872 |
| Credit loss provision to net charge-offs | -670.9677% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7083% | 199 |
| Assets per employee ($millions) | 2.5494% | 6,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 2,526 |
| Loan loss allowance to noncurrent loans | 438.7097% | 771 |
| Noncurrent assets plus other real estate owned to assets | 1.2593% | 4,037 |
| Noncurrent loans to loans | 0.4444% | 5,784 |
| Net loans and leases to total assets | 48.7840% | 5,458 |
| Net loans and leases to deposits | 56.3555% | 5,564 |
| Net loans and leases to core deposits | 56.9903% | 5,816 |
| Total domestic deposits to total assets | 86.5649% | 3,198 |
| Equity capital to assets | 8.0395% | 6,497 |
| Core capital (leverage) ratio | 7.7047% | 6,482 |
| Tier 1 risk-based capital ratio | 16.3359% | 2,994 |
| Total risk-based capital ratio | 17.5970% | 2,949 |
| Memoranda: | ||
| Average total assets | $196,922,500 | 3,146 |
| Average earning assets | $181,339,000 | 3,130 |
| Average equity | $16,022,500 | 3,811 |
| Average total loans | $97,036,500 | 3,661 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 6,443 |
| Cost of funding earning assets | 0.9024% | 4,097 |
| Net interest margin | 3.1037% | 6,336 |
| Noninterest income to average assets | -0.6257% | 7,281 |
| Noninterest expense to average assets | 3.4680% | 2,064 |
| Loan and lease loss provision to assets | 0.3864% | 2,673 |
| Net operating income to assets | -1.7992% | 6,986 |
| Return on assets (ROA) | -1.5954% | 6,948 |
| Pretax return on assets | -1.4133% | 6,870 |
| Return on Equity (ROE) | -18.3595% | 6,961 |
| Retained earnings to average equity (ytd only) | -18.6880% | 6,952 |
| Net charge-offs to loans | 1.6637% | 933 |
| Credit loss provision to net charge-offs | 47.8076% | 5,474 |
| Earnings coverage of net charge-offs (x) | -1.5225% | 6,251 |
| Efficiency ratio | 153.5974% | 132 |
| Assets per employee ($millions) | 2.5005% | 6,830 |
| Cash dividends to net income (ytd only)* | -1.7896% | 7,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7271% | 3,101 |
| Loan loss allowance to noncurrent loans | 277.9633% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 3,019 |
| Noncurrent loans to loans | 0.6213% | 5,470 |
| Net loans and leases to total assets | 47.9591% | 5,823 |
| Net loans and leases to deposits | 55.0498% | 5,974 |
| Net loans and leases to core deposits | 55.6660% | 6,179 |
| Total domestic deposits to total assets | 87.1195% | 2,696 |
| Equity capital to assets | 8.2328% | 6,403 |
| Core capital (leverage) ratio | 7.7939% | 6,445 |
| Tier 1 risk-based capital ratio | 17.1085% | 2,550 |
| Total risk-based capital ratio | 18.3662% | 2,509 |
| Memoranda: | ||
| Average total assets | $203,143,000 | 3,020 |
| Average earning assets | $187,390,200 | 2,992 |
| Average equity | $17,653,000 | 3,480 |
| Average total loans | $98,696,400 | 3,656 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 6,379 |
| Cost of funding earning assets | 0.9225% | 4,255 |
| Net interest margin | 3.1928% | 6,175 |
| Noninterest income to average assets | 0.3298% | 5,226 |
| Noninterest expense to average assets | 4.5994% | 526 |
| Loan and lease loss provision to assets | 0.5000% | 1,985 |
| Net operating income to assets | -2.0096% | 7,138 |
| Return on assets (ROA) | -1.7398% | 7,102 |
| Pretax return on assets | -1.5488% | 7,028 |
| Return on Equity (ROE) | -19.7693% | 7,094 |
| Retained earnings to average equity (ytd only) | -19.7693% | 7,079 |
| Net charge-offs to loans | 0.6084% | 2,424 |
| Credit loss provision to net charge-offs | 169.3157% | 1,784 |
| Earnings coverage of net charge-offs (x) | -4.4658% | 6,089 |
| Efficiency ratio | 137.7906% | 191 |
| Assets per employee ($millions) | 2.7081% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5553% | 3,865 |
| Loan loss allowance to noncurrent loans | 153.1762% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 2.5987% | 2,485 |
| Noncurrent loans to loans | 1.0154% | 4,862 |
| Net loans and leases to total assets | 46.5902% | 6,096 |
| Net loans and leases to deposits | 53.5345% | 6,254 |
| Net loans and leases to core deposits | 54.3599% | 6,436 |
| Total domestic deposits to total assets | 87.0284% | 2,639 |
| Equity capital to assets | 8.3026% | 6,479 |
| Core capital (leverage) ratio | 8.0043% | 6,394 |
| Tier 1 risk-based capital ratio | 16.9773% | 2,651 |
| Total risk-based capital ratio | 18.2104% | 2,626 |
| Memoranda: | ||
| Average total assets | $204,544,000 | 3,026 |
| Average earning assets | $189,046,000 | 2,988 |
| Average equity | $18,000,500 | 3,426 |
| Average total loans | $99,269,750 | 3,663 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1939% | 6,287 |
| Cost of funding earning assets | 0.9516% | 4,309 |
| Net interest margin | 3.2423% | 6,019 |
| Noninterest income to average assets | 0.4195% | 4,516 |
| Noninterest expense to average assets | 5.1243% | 336 |
| Loan and lease loss provision to assets | 0.6936% | 1,370 |
| Net operating income to assets | -2.6797% | 7,283 |
| Return on assets (ROA) | -2.3870% | 7,256 |
| Pretax return on assets | -2.1012% | 7,181 |
| Return on Equity (ROE) | -26.6272% | 7,214 |
| Retained earnings to average equity (ytd only) | -26.6272% | 7,205 |
| Net charge-offs to loans | 1.2321% | 1,272 |
| Credit loss provision to net charge-offs | 115.0485% | 2,664 |
| Earnings coverage of net charge-offs (x) | -2.8204% | 5,746 |
| Efficiency ratio | 147.2934% | 166 |
| Assets per employee ($millions) | 2.6047% | 6,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 5,039 |
| Loan loss allowance to noncurrent loans | 116.2409% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 2.8477% | 2,355 |
| Noncurrent loans to loans | 1.1226% | 4,789 |
| Net loans and leases to total assets | 46.2395% | 6,242 |
| Net loans and leases to deposits | 53.3185% | 6,359 |
| Net loans and leases to core deposits | 53.9071% | 6,565 |
| Total domestic deposits to total assets | 86.7232% | 2,903 |
| Equity capital to assets | 8.2163% | 6,502 |
| Core capital (leverage) ratio | 7.9046% | 6,404 |
| Tier 1 risk-based capital ratio | 17.1101% | 2,477 |
| Total risk-based capital ratio | 18.3432% | 2,455 |
| Memoranda: | ||
| Average total assets | $205,023,670 | 3,034 |
| Average earning assets | $189,990,000 | 2,996 |
| Average equity | $18,379,670 | 3,354 |
| Average total loans | $100,319,000 | 3,677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 6,095 |
| Cost of funding earning assets | 1.0318% | 3,979 |
| Net interest margin | 3.2400% | 5,955 |
| Noninterest income to average assets | 0.3974% | 4,721 |
| Noninterest expense to average assets | 3.9853% | 1,055 |
| Loan and lease loss provision to assets | 0.4819% | 1,830 |
| Net operating income to assets | -1.6504% | 7,232 |
| Return on assets (ROA) | -1.0603% | 7,066 |
| Pretax return on assets | -0.4839% | 6,745 |
| Return on Equity (ROE) | -11.3420% | 7,060 |
| Retained earnings to average equity (ytd only) | -11.3420% | 6,921 |
| Net charge-offs to loans | 0.6807% | 1,854 |
| Credit loss provision to net charge-offs | 141.6185% | 1,988 |
| Earnings coverage of net charge-offs (x) | -1.7399% | 4,949 |
| Efficiency ratio | 115.0725% | 410 |
| Assets per employee ($millions) | 2.4779% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 5,401 |
| Loan loss allowance to noncurrent loans | 63.1234% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 3.6124% | 1,885 |
| Noncurrent loans to loans | 1.9788% | 3,599 |
| Net loans and leases to total assets | 48.7512% | 5,983 |
| Net loans and leases to deposits | 56.8560% | 6,044 |
| Net loans and leases to core deposits | 57.4929% | 6,307 |
| Total domestic deposits to total assets | 85.7449% | 3,671 |
| Equity capital to assets | 9.1205% | 5,007 |
| Core capital (leverage) ratio | 9.0116% | 4,596 |
| Tier 1 risk-based capital ratio | 18.1482% | 2,069 |
| Total risk-based capital ratio | 19.3742% | 2,043 |
| Memoranda: | ||
| Average total assets | $203,346,500 | 3,077 |
| Average earning assets | $188,024,500 | 3,040 |
| Average equity | $19,009,000 | 3,255 |
| Average total loans | $101,665,000 | 3,680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 6,013 |
| Cost of funding earning assets | 1.3787% | 3,401 |
| Net interest margin | 3.2532% | 6,119 |
| Noninterest income to average assets | 0.4175% | 4,763 |
| Noninterest expense to average assets | 3.7266% | 1,638 |
| Loan and lease loss provision to assets | 0.6004% | 2,734 |
| Net operating income to assets | -1.3105% | 6,833 |
| Return on assets (ROA) | -1.3105% | 6,860 |
| Pretax return on assets | -0.9016% | 6,580 |
| Return on Equity (ROE) | -12.8279% | 6,835 |
| Retained earnings to average equity (ytd only) | -12.8279% | 6,789 |
| Net charge-offs to loans | 1.0704% | 2,071 |
| Credit loss provision to net charge-offs | 105.9714% | 4,224 |
| Earnings coverage of net charge-offs (x) | -0.5315% | 6,471 |
| Efficiency ratio | 106.7613% | 608 |
| Assets per employee ($millions) | 2.5760% | 6,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1464% | 5,750 |
| Loan loss allowance to noncurrent loans | 65.6841% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 3.4417% | 2,028 |
| Noncurrent loans to loans | 1.7453% | 3,888 |
| Net loans and leases to total assets | 50.0428% | 6,165 |
| Net loans and leases to deposits | 58.1032% | 6,242 |
| Net loans and leases to core deposits | 58.7477% | 6,494 |
| Total domestic deposits to total assets | 86.1274% | 3,287 |
| Equity capital to assets | 9.5753% | 4,305 |
| Core capital (leverage) ratio | 9.2860% | 4,030 |
| Tier 1 risk-based capital ratio | 18.3933% | 1,879 |
| Total risk-based capital ratio | 19.5308% | 1,869 |
| Memoranda: | ||
| Average total assets | $209,845,400 | 2,982 |
| Average earning assets | $194,022,600 | 2,951 |
| Average equity | $21,437,600 | 2,956 |
| Average total loans | $111,076,800 | 3,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6929% | 6,047 |
| Cost of funding earning assets | 1.4538% | 3,251 |
| Net interest margin | 3.2391% | 6,212 |
| Noninterest income to average assets | 0.4427% | 4,621 |
| Noninterest expense to average assets | 3.3971% | 2,306 |
| Loan and lease loss provision to assets | 0.5373% | 2,789 |
| Net operating income to assets | -0.8677% | 6,825 |
| Return on assets (ROA) | -0.8677% | 6,868 |
| Pretax return on assets | -0.4963% | 6,555 |
| Return on Equity (ROE) | -8.3675% | 6,854 |
| Retained earnings to average equity (ytd only) | -8.3675% | 6,794 |
| Net charge-offs to loans | 0.8677% | 2,277 |
| Credit loss provision to net charge-offs | 115.7609% | 3,604 |
| Earnings coverage of net charge-offs (x) | 0.0883% | 5,939 |
| Efficiency ratio | 96.7902% | 874 |
| Assets per employee ($millions) | 2.3495% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,662 |
| Loan loss allowance to noncurrent loans | 75.3998% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 3.3353% | 2,135 |
| Noncurrent loans to loans | 1.5390% | 4,331 |
| Net loans and leases to total assets | 48.8429% | 6,449 |
| Net loans and leases to deposits | 56.6761% | 6,570 |
| Net loans and leases to core deposits | 57.3528% | 6,774 |
| Total domestic deposits to total assets | 86.1789% | 2,987 |
| Equity capital to assets | 9.9984% | 4,160 |
| Core capital (leverage) ratio | 9.5108% | 3,888 |
| Tier 1 risk-based capital ratio | 19.5904% | 1,628 |
| Total risk-based capital ratio | 20.7640% | 1,608 |
| Memoranda: | ||
| Average total assets | $211,431,250 | 3,020 |
| Average earning assets | $195,523,250 | 2,976 |
| Average equity | $21,925,500 | 2,929 |
| Average total loans | $113,091,250 | 3,524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 5,851 |
| Cost of funding earning assets | 1.5154% | 3,166 |
| Net interest margin | 3.2672% | 6,114 |
| Noninterest income to average assets | 0.4833% | 4,253 |
| Noninterest expense to average assets | 3.5065% | 2,013 |
| Loan and lease loss provision to assets | 0.7491% | 1,928 |
| Net operating income to assets | -1.3065% | 7,069 |
| Return on assets (ROA) | -1.3065% | 7,089 |
| Pretax return on assets | -0.7529% | 6,757 |
| Return on Equity (ROE) | -12.4478% | 7,054 |
| Retained earnings to average equity (ytd only) | -12.4478% | 7,012 |
| Net charge-offs to loans | 1.0643% | 1,768 |
| Credit loss provision to net charge-offs | 128.2927% | 3,133 |
| Earnings coverage of net charge-offs (x) | -0.0065% | 5,722 |
| Efficiency ratio | 98.1296% | 874 |
| Assets per employee ($millions) | 2.3938% | 7,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 5,644 |
| Loan loss allowance to noncurrent loans | 38.0332% | 5,814 |
| Noncurrent assets plus other real estate owned to assets | 3.4112% | 2,063 |
| Noncurrent loans to loans | 3.0559% | 2,634 |
| Net loans and leases to total assets | 51.8335% | 6,229 |
| Net loans and leases to deposits | 60.5523% | 6,363 |
| Net loans and leases to core deposits | 61.2006% | 6,623 |
| Total domestic deposits to total assets | 85.6012% | 3,313 |
| Equity capital to assets | 10.1530% | 3,831 |
| Core capital (leverage) ratio | 9.6492% | 3,609 |
| Tier 1 risk-based capital ratio | 18.8086% | 1,764 |
| Total risk-based capital ratio | 19.9901% | 1,753 |
| Memoranda: | ||
| Average total assets | $210,640,330 | 3,044 |
| Average earning assets | $194,663,330 | 3,011 |
| Average equity | $22,108,330 | 2,912 |
| Average total loans | $115,570,330 | 3,493 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 5,494 |
| Cost of funding earning assets | 1.5932% | 3,004 |
| Net interest margin | 3.2998% | 5,974 |
| Noninterest income to average assets | 0.5051% | 4,012 |
| Noninterest expense to average assets | 3.6329% | 1,660 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0418% | 6,364 |
| Return on assets (ROA) | -0.0418% | 6,448 |
| Pretax return on assets | -0.0874% | 6,451 |
| Return on Equity (ROE) | -0.3917% | 6,455 |
| Retained earnings to average equity (ytd only) | -0.3917% | 5,920 |
| Net charge-offs to loans | 0.3827% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.4071% | 5,249 |
| Efficiency ratio | 100.5356% | 818 |
| Assets per employee ($millions) | 2.3104% | 7,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,938 |
| Loan loss allowance to noncurrent loans | 115.2601% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 2.2573% | 3,203 |
| Noncurrent loans to loans | 0.7516% | 5,822 |
| Net loans and leases to total assets | 53.6765% | 6,069 |
| Net loans and leases to deposits | 63.0330% | 6,167 |
| Net loans and leases to core deposits | 63.6971% | 6,473 |
| Total domestic deposits to total assets | 85.1562% | 3,580 |
| Equity capital to assets | 10.5823% | 3,162 |
| Core capital (leverage) ratio | 10.1808% | 2,951 |
| Tier 1 risk-based capital ratio | 19.0396% | 1,711 |
| Total risk-based capital ratio | 19.9050% | 1,764 |
| Memoranda: | ||
| Average total assets | $210,632,000 | 3,094 |
| Average earning assets | $194,070,000 | 3,074 |
| Average equity | $22,468,500 | 2,880 |
| Average total loans | $118,118,000 | 3,491 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 5,051 |
| Cost of funding earning assets | 2.0960% | 2,479 |
| Net interest margin | 3.2304% | 5,991 |
| Noninterest income to average assets | 0.8681% | 2,088 |
| Noninterest expense to average assets | 4.0248% | 1,325 |
| Loan and lease loss provision to assets | 0.4838% | 3,949 |
| Net operating income to assets | -0.4984% | 6,177 |
| Return on assets (ROA) | -0.4089% | 6,083 |
| Pretax return on assets | -0.5746% | 6,073 |
| Return on Equity (ROE) | -4.0785% | 6,119 |
| Retained earnings to average equity (ytd only) | -4.5180% | 5,948 |
| Net charge-offs to loans | 4.5809% | 311 |
| Credit loss provision to net charge-offs | 17.2723% | 6,946 |
| Earnings coverage of net charge-offs (x) | -0.0774% | 6,310 |
| Efficiency ratio | 103.7954% | 959 |
| Assets per employee ($millions) | 2.2203% | 7,553 |
| Cash dividends to net income (ytd only)* | -10.7759% | 7,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 6,741 |
| Loan loss allowance to noncurrent loans | 93.3613% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 2,891 |
| Noncurrent loans to loans | 0.9823% | 5,355 |
| Net loans and leases to total assets | 57.5135% | 5,739 |
| Net loans and leases to deposits | 66.9435% | 5,955 |
| Net loans and leases to core deposits | 79.1754% | 6,170 |
| Total domestic deposits to total assets | 85.9135% | 3,061 |
| Equity capital to assets | 10.7536% | 2,918 |
| Core capital (leverage) ratio | 10.3683% | 2,718 |
| Tier 1 risk-based capital ratio | 18.5550% | 1,739 |
| Total risk-based capital ratio | 19.4965% | 1,783 |
| Memoranda: | ||
| Average total assets | $226,944,400 | 2,856 |
| Average earning assets | $206,536,000 | 2,879 |
| Average equity | $22,753,200 | 2,857 |
| Average total loans | $138,770,800 | 3,109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3786% | 5,052 |
| Cost of funding earning assets | 2.2052% | 2,392 |
| Net interest margin | 3.1734% | 6,107 |
| Noninterest income to average assets | 0.9249% | 1,886 |
| Noninterest expense to average assets | 4.1939% | 1,036 |
| Loan and lease loss provision to assets | 0.6617% | 2,759 |
| Net operating income to assets | -0.6939% | 6,597 |
| Return on assets (ROA) | -0.5851% | 6,512 |
| Pretax return on assets | -0.8835% | 6,598 |
| Return on Equity (ROE) | -5.9334% | 6,548 |
| Retained earnings to average equity (ytd only) | -6.5174% | 6,449 |
| Net charge-offs to loans | 6.1042% | 140 |
| Credit loss provision to net charge-offs | 17.5286% | 6,589 |
| Earnings coverage of net charge-offs (x) | -0.1024% | 6,186 |
| Efficiency ratio | 108.2287% | 804 |
| Assets per employee ($millions) | 2.3528% | 7,441 |
| Cash dividends to net income (ytd only)* | -9.8425% | 7,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 7,275 |
| Loan loss allowance to noncurrent loans | 24.3428% | 6,823 |
| Noncurrent assets plus other real estate owned to assets | 2.3884% | 2,886 |
| Noncurrent loans to loans | 3.0595% | 2,475 |
| Net loans and leases to total assets | 58.6538% | 5,783 |
| Net loans and leases to deposits | 70.8165% | 5,809 |
| Net loans and leases to core deposits | 83.5947% | 6,071 |
| Total domestic deposits to total assets | 82.8250% | 4,314 |
| Equity capital to assets | 10.3078% | 3,725 |
| Core capital (leverage) ratio | 9.8531% | 3,453 |
| Tier 1 risk-based capital ratio | 17.5938% | 2,097 |
| Total risk-based capital ratio | 18.3693% | 2,188 |
| Memoranda: | ||
| Average total assets | $231,502,750 | 2,824 |
| Average earning assets | $210,283,750 | 2,855 |
| Average equity | $22,830,500 | 2,873 |
| Average total loans | $143,176,500 | 3,058 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 4,932 |
| Cost of funding earning assets | 2.3813% | 2,043 |
| Net interest margin | 3.0606% | 6,363 |
| Noninterest income to average assets | 0.9154% | 1,917 |
| Noninterest expense to average assets | 4.6264% | 674 |
| Loan and lease loss provision to assets | 0.9316% | 1,811 |
| Net operating income to assets | -1.2242% | 7,126 |
| Return on assets (ROA) | -1.0665% | 7,027 |
| Pretax return on assets | -1.6323% | 7,146 |
| Return on Equity (ROE) | -10.9673% | 7,110 |
| Retained earnings to average equity (ytd only) | -11.8398% | 7,044 |
| Net charge-offs to loans | 4.4573% | 294 |
| Credit loss provision to net charge-offs | 33.3333% | 5,985 |
| Earnings coverage of net charge-offs (x) | -0.3376% | 5,982 |
| Efficiency ratio | 123.5890% | 609 |
| Assets per employee ($millions) | 2.1937% | 7,679 |
| Cash dividends to net income (ytd only)* | -7.9554% | 7,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1224% | 510 |
| Loan loss allowance to noncurrent loans | 130.8877% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 3,020 |
| Noncurrent loans to loans | 2.3856% | 3,027 |
| Net loans and leases to total assets | 58.9538% | 5,848 |
| Net loans and leases to deposits | 70.9982% | 5,867 |
| Net loans and leases to core deposits | 83.6910% | 6,111 |
| Total domestic deposits to total assets | 83.0356% | 4,222 |
| Equity capital to assets | 9.6882% | 4,367 |
| Core capital (leverage) ratio | 9.3218% | 4,138 |
| Tier 1 risk-based capital ratio | 16.3385% | 2,505 |
| Total risk-based capital ratio | 17.5727% | 2,460 |
| Memoranda: | ||
| Average total assets | $235,735,000 | 2,797 |
| Average earning assets | $213,157,670 | 2,828 |
| Average equity | $22,922,670 | 2,869 |
| Average total loans | $147,801,670 | 3,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4872% | 4,978 |
| Cost of funding earning assets | 2.5075% | 1,890 |
| Net interest margin | 2.9797% | 6,532 |
| Noninterest income to average assets | 0.7298% | 2,706 |
| Noninterest expense to average assets | 3.4534% | 2,221 |
| Loan and lease loss provision to assets | 1.0754% | 1,218 |
| Net operating income to assets | -0.6797% | 7,035 |
| Return on assets (ROA) | -0.3741% | 6,835 |
| Pretax return on assets | -0.6129% | 6,915 |
| Return on Equity (ROE) | -3.8401% | 6,875 |
| Retained earnings to average equity (ytd only) | -5.5545% | 6,628 |
| Net charge-offs to loans | 1.8754% | 771 |
| Credit loss provision to net charge-offs | 90.1961% | 3,997 |
| Earnings coverage of net charge-offs (x) | -0.0126% | 4,994 |
| Efficiency ratio | 98.3001% | 1,201 |
| Assets per employee ($millions) | 2.0662% | 7,843 |
| Cash dividends to net income (ytd only)* | -44.6429% | 8,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3516% | 159 |
| Loan loss allowance to noncurrent loans | 111.0328% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 3.3209% | 1,647 |
| Noncurrent loans to loans | 3.9192% | 1,554 |
| Net loans and leases to total assets | 58.7459% | 5,839 |
| Net loans and leases to deposits | 77.8230% | 4,955 |
| Net loans and leases to core deposits | 91.3843% | 5,416 |
| Total domestic deposits to total assets | 75.4866% | 6,605 |
| Equity capital to assets | 9.5822% | 4,552 |
| Core capital (leverage) ratio | 9.2199% | 4,377 |
| Tier 1 risk-based capital ratio | 15.9705% | 2,699 |
| Total risk-based capital ratio | 17.2045% | 2,641 |
| Memoranda: | ||
| Average total assets | $239,531,000 | 2,772 |
| Average earning assets | $217,743,000 | 2,787 |
| Average equity | $23,332,500 | 2,838 |
| Average total loans | $152,285,500 | 2,967 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2924% | 4,002 |
| Cost of funding earning assets | 2.8317% | 2,577 |
| Net interest margin | 3.4607% | 5,437 |
| Noninterest income to average assets | 0.9250% | 1,876 |
| Noninterest expense to average assets | 3.3288% | 2,867 |
| Loan and lease loss provision to assets | 2.2666% | 502 |
| Net operating income to assets | -1.1369% | 7,314 |
| Return on assets (ROA) | -1.0035% | 7,172 |
| Pretax return on assets | -1.3354% | 7,183 |
| Return on Equity (ROE) | -9.6210% | 7,253 |
| Retained earnings to average equity (ytd only) | -9.6210% | 7,040 |
| Net charge-offs to loans | 0.6411% | 1,923 |
| Credit loss provision to net charge-offs | 522.5379% | 833 |
| Earnings coverage of net charge-offs (x) | 1.7367% | 5,205 |
| Efficiency ratio | 79.5029% | 2,673 |
| Assets per employee ($millions) | 2.0818% | 7,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1839% | 163 |
| Loan loss allowance to noncurrent loans | 105.2878% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 3.4110% | 1,309 |
| Noncurrent loans to loans | 3.9738% | 1,245 |
| Net loans and leases to total assets | 63.0227% | 5,448 |
| Net loans and leases to deposits | 83.6031% | 4,480 |
| Net loans and leases to core deposits | 98.1346% | 5,029 |
| Total domestic deposits to total assets | 75.3831% | 6,374 |
| Equity capital to assets | 9.9026% | 4,156 |
| Core capital (leverage) ratio | 9.5244% | 3,986 |
| Tier 1 risk-based capital ratio | 15.1028% | 2,989 |
| Total risk-based capital ratio | 16.3378% | 2,926 |
| Memoranda: | ||
| Average total assets | $243,451,200 | 2,623 |
| Average earning assets | $222,093,000 | 2,632 |
| Average equity | $25,392,400 | 2,612 |
| Average total loans | $164,708,000 | 2,702 |