Home > First Mariner Bank > Performance and Condition Ratios
First Mariner Bank, Performance and Condition Ratios
| 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 | 4.0686% | 3,174 |
| Cost of funding earning assets | 0.5857% | 1,707 |
| Net interest margin | 3.4830% | 3,581 |
| Noninterest income to average assets | 1.7638% | 359 |
| Noninterest expense to average assets | 4.8852% | 233 |
| Loan and lease loss provision to assets | 0.1599% | 1,402 |
| Net operating income to assets | -0.2423% | 5,460 |
| Return on assets (ROA) | -0.2423% | 5,458 |
| Pretax return on assets | -0.2423% | 5,509 |
| Return on Equity (ROE) | -2.3874% | 5,470 |
| Retained earnings to average equity (ytd only) | -2.3874% | 5,310 |
| Net charge-offs to loans | 0.1694% | 1,456 |
| Credit loss provision to net charge-offs | 130.8271% | 2,010 |
| Earnings coverage of net charge-offs (x) | -0.6742% | 4,038 |
| Efficiency ratio | 100.0000% | 172 |
| Assets per employee ($millions) | 3.9896% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5781% | 5,283 |
| Loan loss allowance to noncurrent loans | 25.6675% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.0166% | 555 |
| Noncurrent loans to loans | 2.2522% | 634 |
| Net loans and leases to total assets | 73.0245% | 2,089 |
| Net loans and leases to deposits | 100.3998% | 702 |
| Net loans and leases to core deposits | 105.4546% | 1,307 |
| Total domestic deposits to total assets | 72.7337% | 5,280 |
| Equity capital to assets | 9.9702% | 3,739 |
| Core capital (leverage) ratio | 8.8775% | 4,779 |
| Tier 1 risk-based capital ratio | 11.2292% | 5,023 |
| Total risk-based capital ratio | 11.8086% | 5,254 |
| Memoranda: | ||
| Average total assets | $979,209,400 | 758 |
| Average earning assets | $854,389,400 | 802 |
| Average equity | $99,397,800 | 832 |
| Average total loans | $706,709,000 | 739 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,120 |
| Cost of funding earning assets | 0.5794% | 1,672 |
| Net interest margin | 3.4832% | 3,558 |
| Noninterest income to average assets | 1.8848% | 337 |
| Noninterest expense to average assets | 5.0749% | 215 |
| Loan and lease loss provision to assets | 0.1081% | 1,969 |
| Net operating income to assets | -0.2599% | 5,597 |
| Return on assets (ROA) | -0.2599% | 5,597 |
| Pretax return on assets | -0.2599% | 5,587 |
| Return on Equity (ROE) | -2.5492% | 5,598 |
| Retained earnings to average equity (ytd only) | -2.5492% | 5,457 |
| Net charge-offs to loans | 0.1229% | 1,560 |
| Credit loss provision to net charge-offs | 122.4111% | 1,980 |
| Earnings coverage of net charge-offs (x) | -1.7187% | 3,729 |
| Efficiency ratio | 101.4059% | 159 |
| Assets per employee ($millions) | 3.8514% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 5,399 |
| Loan loss allowance to noncurrent loans | 20.5085% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 2.2759% | 515 |
| Noncurrent loans to loans | 2.7071% | 527 |
| Net loans and leases to total assets | 71.6923% | 2,300 |
| Net loans and leases to deposits | 96.5507% | 1,060 |
| Net loans and leases to core deposits | 101.4463% | 1,586 |
| Total domestic deposits to total assets | 74.2535% | 5,214 |
| Equity capital to assets | 10.0137% | 3,899 |
| Core capital (leverage) ratio | 8.8860% | 4,878 |
| Tier 1 risk-based capital ratio | 11.2873% | 5,086 |
| Total risk-based capital ratio | 11.8248% | 5,357 |
| Memoranda: | ||
| Average total assets | $976,656,000 | 763 |
| Average earning assets | $851,913,250 | 812 |
| Average equity | $99,585,500 | 830 |
| Average total loans | $701,705,750 | 744 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9839% | 3,263 |
| Cost of funding earning assets | 0.5693% | 1,655 |
| Net interest margin | 3.4146% | 3,722 |
| Noninterest income to average assets | 1.9526% | 324 |
| Noninterest expense to average assets | 5.1484% | 205 |
| Loan and lease loss provision to assets | 0.0970% | 2,063 |
| Net operating income to assets | -0.3156% | 5,650 |
| Return on assets (ROA) | -0.3156% | 5,650 |
| Pretax return on assets | -0.3156% | 5,636 |
| Return on Equity (ROE) | -3.0759% | 5,652 |
| Retained earnings to average equity (ytd only) | -3.0759% | 5,437 |
| Net charge-offs to loans | 0.0990% | 1,633 |
| Credit loss provision to net charge-offs | 136.5217% | 1,622 |
| Earnings coverage of net charge-offs (x) | -3.0754% | 3,452 |
| Efficiency ratio | 102.7492% | 161 |
| Assets per employee ($millions) | 3.5722% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5600% | 5,444 |
| Loan loss allowance to noncurrent loans | 23.1543% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1597% | 556 |
| Noncurrent loans to loans | 2.4186% | 638 |
| Net loans and leases to total assets | 72.0680% | 2,196 |
| Net loans and leases to deposits | 91.1817% | 1,584 |
| Net loans and leases to core deposits | 96.1624% | 1,966 |
| Total domestic deposits to total assets | 79.0378% | 4,614 |
| Equity capital to assets | 10.1983% | 3,669 |
| Core capital (leverage) ratio | 9.0245% | 4,693 |
| Tier 1 risk-based capital ratio | 11.2263% | 5,127 |
| Total risk-based capital ratio | 11.7566% | 5,386 |
| Memoranda: | ||
| Average total assets | $970,990,000 | 774 |
| Average earning assets | $846,609,000 | 820 |
| Average equity | $99,613,330 | 829 |
| Average total loans | $696,824,330 | 749 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,088 |
| Cost of funding earning assets | 0.5626% | 1,633 |
| Net interest margin | 3.4241% | 3,553 |
| Noninterest income to average assets | 2.0366% | 307 |
| Noninterest expense to average assets | 5.1218% | 219 |
| Loan and lease loss provision to assets | 0.1726% | 1,021 |
| Net operating income to assets | -0.2729% | 5,694 |
| Return on assets (ROA) | -0.2729% | 5,695 |
| Pretax return on assets | -0.2729% | 5,682 |
| Return on Equity (ROE) | -2.6522% | 5,698 |
| Retained earnings to average equity (ytd only) | -2.6522% | 5,232 |
| Net charge-offs to loans | 0.0497% | 1,865 |
| Credit loss provision to net charge-offs | 486.0465% | 579 |
| Earnings coverage of net charge-offs (x) | -2.8256% | 2,895 |
| Efficiency ratio | 100.3371% | 217 |
| Assets per employee ($millions) | 3.4450% | 4,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6068% | 5,464 |
| Loan loss allowance to noncurrent loans | 25.1070% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 2.2002% | 570 |
| Noncurrent loans to loans | 2.4167% | 664 |
| Net loans and leases to total assets | 70.7287% | 2,259 |
| Net loans and leases to deposits | 87.5052% | 1,861 |
| Net loans and leases to core deposits | 93.8698% | 1,993 |
| Total domestic deposits to total assets | 80.8279% | 4,454 |
| Equity capital to assets | 10.3133% | 3,395 |
| Core capital (leverage) ratio | 9.0842% | 4,640 |
| Tier 1 risk-based capital ratio | 11.8267% | 4,832 |
| Total risk-based capital ratio | 12.4101% | 5,120 |
| Memoranda: | ||
| Average total assets | $968,879,000 | 780 |
| Average earning assets | $844,612,000 | 828 |
| Average equity | $99,692,500 | 823 |
| Average total loans | $691,849,500 | 755 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,322 |
| Cost of funding earning assets | 0.5320% | 1,853 |
| Net interest margin | 3.4352% | 3,682 |
| Noninterest income to average assets | 3.0094% | 203 |
| Noninterest expense to average assets | 5.6177% | 195 |
| Loan and lease loss provision to assets | 0.2819% | 704 |
| Net operating income to assets | 0.0958% | 5,563 |
| Return on assets (ROA) | 0.1109% | 5,581 |
| Pretax return on assets | 0.1109% | 5,586 |
| Return on Equity (ROE) | 1.0282% | 5,564 |
| Retained earnings to average equity (ytd only) | 1.0282% | 4,911 |
| Net charge-offs to loans | 0.2570% | 1,077 |
| Credit loss provision to net charge-offs | 162.4924% | 1,701 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 3,873 |
| Efficiency ratio | 92.1218% | 454 |
| Assets per employee ($millions) | 3.2877% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5496% | 5,601 |
| Loan loss allowance to noncurrent loans | 26.0716% | 5,155 |
| Noncurrent assets plus other real estate owned to assets | 2.0139% | 679 |
| Noncurrent loans to loans | 2.1079% | 831 |
| Net loans and leases to total assets | 71.2580% | 2,293 |
| Net loans and leases to deposits | 91.8071% | 1,479 |
| Net loans and leases to core deposits | 101.6328% | 1,474 |
| Total domestic deposits to total assets | 77.6172% | 5,030 |
| Equity capital to assets | 10.2658% | 3,429 |
| Core capital (leverage) ratio | 9.4412% | 4,169 |
| Tier 1 risk-based capital ratio | 12.1451% | 4,626 |
| Total risk-based capital ratio | 12.7676% | 4,944 |
| Memoranda: | ||
| Average total assets | $948,290,600 | 759 |
| Average earning assets | $824,271,200 | 810 |
| Average equity | $102,311,800 | 773 |
| Average total loans | $639,991,400 | 778 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,156 |
| Cost of funding earning assets | 0.5317% | 1,865 |
| Net interest margin | 3.4858% | 3,521 |
| Noninterest income to average assets | 3.2355% | 187 |
| Noninterest expense to average assets | 5.7392% | 187 |
| Loan and lease loss provision to assets | 0.2230% | 921 |
| Net operating income to assets | 0.3007% | 5,282 |
| Return on assets (ROA) | 0.3211% | 5,319 |
| Pretax return on assets | 0.3211% | 5,430 |
| Return on Equity (ROE) | 2.9396% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.9396% | 4,145 |
| Net charge-offs to loans | 0.1856% | 1,257 |
| Credit loss provision to net charge-offs | 180.9414% | 1,552 |
| Earnings coverage of net charge-offs (x) | 4.2492% | 3,293 |
| Efficiency ratio | 91.1305% | 505 |
| Assets per employee ($millions) | 3.1205% | 5,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5451% | 5,678 |
| Loan loss allowance to noncurrent loans | 38.1937% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 1.5723% | 1,114 |
| Noncurrent loans to loans | 1.4271% | 1,519 |
| Net loans and leases to total assets | 68.8729% | 2,662 |
| Net loans and leases to deposits | 82.9697% | 2,605 |
| Net loans and leases to core deposits | 92.0870% | 2,368 |
| Total domestic deposits to total assets | 83.0097% | 3,594 |
| Equity capital to assets | 11.3421% | 2,665 |
| Core capital (leverage) ratio | 9.4114% | 4,311 |
| Tier 1 risk-based capital ratio | 13.3844% | 3,929 |
| Total risk-based capital ratio | 14.0007% | 4,221 |
| Memoranda: | ||
| Average total assets | $942,075,250 | 764 |
| Average earning assets | $818,231,000 | 812 |
| Average equity | $102,914,250 | 772 |
| Average total loans | $625,669,000 | 792 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 3,480 |
| Cost of funding earning assets | 0.5250% | 1,901 |
| Net interest margin | 3.4104% | 3,850 |
| Noninterest income to average assets | 3.1729% | 190 |
| Noninterest expense to average assets | 5.5916% | 203 |
| Loan and lease loss provision to assets | 0.1306% | 1,749 |
| Net operating income to assets | 0.4124% | 4,998 |
| Return on assets (ROA) | 0.4124% | 5,082 |
| Pretax return on assets | 0.4124% | 5,324 |
| Return on Equity (ROE) | 3.8232% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.8232% | 3,455 |
| Net charge-offs to loans | 0.1240% | 1,599 |
| Credit loss provision to net charge-offs | 160.9375% | 1,523 |
| Earnings coverage of net charge-offs (x) | 6.6901% | 2,715 |
| Efficiency ratio | 90.3759% | 588 |
| Assets per employee ($millions) | 3.1971% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4575% | 5,842 |
| Loan loss allowance to noncurrent loans | 30.2249% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 1.6412% | 1,102 |
| Noncurrent loans to loans | 1.5137% | 1,447 |
| Net loans and leases to total assets | 67.1046% | 2,924 |
| Net loans and leases to deposits | 85.8138% | 2,271 |
| Net loans and leases to core deposits | 94.6944% | 2,091 |
| Total domestic deposits to total assets | 78.1979% | 4,962 |
| Equity capital to assets | 10.7136% | 3,383 |
| Core capital (leverage) ratio | 9.3536% | 4,391 |
| Tier 1 risk-based capital ratio | 13.3107% | 4,012 |
| Total risk-based capital ratio | 13.8479% | 4,361 |
| Memoranda: | ||
| Average total assets | $946,126,000 | 767 |
| Average earning assets | $821,662,330 | 808 |
| Average equity | $102,061,330 | 778 |
| Average total loans | $619,567,000 | 803 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8285% | 3,846 |
| Cost of funding earning assets | 0.5308% | 1,861 |
| Net interest margin | 3.2977% | 4,229 |
| Noninterest income to average assets | 2.8881% | 210 |
| Noninterest expense to average assets | 5.3804% | 225 |
| Loan and lease loss provision to assets | 0.0432% | 3,055 |
| Net operating income to assets | 0.3198% | 5,243 |
| Return on assets (ROA) | 0.3202% | 5,323 |
| Pretax return on assets | 0.3202% | 5,473 |
| Return on Equity (ROE) | 2.9578% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.9578% | 4,034 |
| Net charge-offs to loans | 0.0957% | 1,559 |
| Credit loss provision to net charge-offs | 69.9301% | 1,906 |
| Earnings coverage of net charge-offs (x) | 5.8811% | 2,286 |
| Efficiency ratio | 91.9973% | 549 |
| Assets per employee ($millions) | 3.0278% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4608% | 5,903 |
| Loan loss allowance to noncurrent loans | 32.5474% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 1.6267% | 1,214 |
| Noncurrent loans to loans | 1.4159% | 1,687 |
| Net loans and leases to total assets | 63.9487% | 3,250 |
| Net loans and leases to deposits | 75.9809% | 3,224 |
| Net loans and leases to core deposits | 83.2598% | 3,012 |
| Total domestic deposits to total assets | 84.1642% | 3,456 |
| Equity capital to assets | 10.9873% | 2,958 |
| Core capital (leverage) ratio | 9.5277% | 4,138 |
| Tier 1 risk-based capital ratio | 13.5097% | 3,973 |
| Total risk-based capital ratio | 14.0727% | 4,292 |
| Memoranda: | ||
| Average total assets | $926,842,500 | 780 |
| Average earning assets | $802,498,000 | 833 |
| Average equity | $100,344,000 | 793 |
| Average total loans | $597,445,000 | 823 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3217% | 2,144 |
| Cost of funding earning assets | 0.4261% | 2,885 |
| Net interest margin | 3.8956% | 2,044 |
| Noninterest income to average assets | 3.3554% | 182 |
| Noninterest expense to average assets | 7.0153% | 140 |
| Loan and lease loss provision to assets | 0.3702% | 384 |
| Net operating income to assets | -0.7028% | 6,074 |
| Return on assets (ROA) | -0.6680% | 6,070 |
| Pretax return on assets | -0.6680% | 6,066 |
| Return on Equity (ROE) | -5.5425% | 6,058 |
| Retained earnings to average equity (ytd only) | -5.5425% | 5,941 |
| Net charge-offs to loans | 0.3169% | 949 |
| Credit loss provision to net charge-offs | 175.2334% | 1,545 |
| Earnings coverage of net charge-offs (x) | -1.5739% | 4,350 |
| Efficiency ratio | 103.1547% | 229 |
| Assets per employee ($millions) | 2.7414% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4707% | 5,942 |
| Loan loss allowance to noncurrent loans | 26.9486% | 5,382 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 1,010 |
| Noncurrent loans to loans | 1.7465% | 1,283 |
| Net loans and leases to total assets | 64.3740% | 3,215 |
| Net loans and leases to deposits | 78.9863% | 2,940 |
| Net loans and leases to core deposits | 85.8886% | 2,805 |
| Total domestic deposits to total assets | 81.5002% | 4,335 |
| Equity capital to assets | 10.6636% | 3,176 |
| Core capital (leverage) ratio | 9.6340% | 4,002 |
| Tier 1 risk-based capital ratio | 14.6282% | 3,367 |
| Total risk-based capital ratio | 15.2530% | 3,641 |
| Memoranda: | ||
| Average total assets | $861,876,400 | 799 |
| Average earning assets | $736,168,800 | 865 |
| Average equity | $103,869,200 | 742 |
| Average total loans | $574,572,000 | 815 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 1,473 |
| Cost of funding earning assets | 0.3963% | 3,258 |
| Net interest margin | 4.1481% | 1,283 |
| Noninterest income to average assets | 3.7948% | 167 |
| Noninterest expense to average assets | 7.2163% | 140 |
| Loan and lease loss provision to assets | 0.2210% | 852 |
| Net operating income to assets | -0.1116% | 6,010 |
| Return on assets (ROA) | -0.0648% | 6,005 |
| Pretax return on assets | -0.0648% | 6,000 |
| Return on Equity (ROE) | -0.5218% | 6,001 |
| Retained earnings to average equity (ytd only) | -0.5218% | 5,698 |
| Net charge-offs to loans | 0.2724% | 980 |
| Credit loss provision to net charge-offs | 120.7223% | 1,972 |
| Earnings coverage of net charge-offs (x) | 0.5976% | 3,928 |
| Efficiency ratio | 96.8157% | 395 |
| Assets per employee ($millions) | 2.4795% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3004% | 6,145 |
| Loan loss allowance to noncurrent loans | 13.5711% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 2.0015% | 1,024 |
| Noncurrent loans to loans | 2.2139% | 992 |
| Net loans and leases to total assets | 62.2309% | 3,572 |
| Net loans and leases to deposits | 76.5068% | 3,242 |
| Net loans and leases to core deposits | 81.8361% | 3,266 |
| Total domestic deposits to total assets | 81.3404% | 4,378 |
| Equity capital to assets | 11.8042% | 2,260 |
| Core capital (leverage) ratio | 11.0094% | 2,480 |
| Tier 1 risk-based capital ratio | 16.6127% | 2,519 |
| Total risk-based capital ratio | 17.0561% | 2,830 |
| Memoranda: | ||
| Average total assets | $847,063,750 | 819 |
| Average earning assets | $721,021,750 | 890 |
| Average equity | $105,280,250 | 743 |
| Average total loans | $569,272,500 | 829 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 1,404 |
| Cost of funding earning assets | 0.3841% | 3,435 |
| Net interest margin | 4.1658% | 1,186 |
| Noninterest income to average assets | 4.2196% | 155 |
| Noninterest expense to average assets | 7.5559% | 126 |
| Loan and lease loss provision to assets | 0.2895% | 551 |
| Net operating income to assets | -0.0950% | 6,050 |
| Return on assets (ROA) | -0.0236% | 6,039 |
| Pretax return on assets | -0.0236% | 6,032 |
| Return on Equity (ROE) | -0.1862% | 6,037 |
| Retained earnings to average equity (ytd only) | -0.1862% | 5,537 |
| Net charge-offs to loans | 0.4483% | 572 |
| Credit loss provision to net charge-offs | 93.6965% | 2,159 |
| Earnings coverage of net charge-offs (x) | 0.6296% | 3,637 |
| Efficiency ratio | 95.8619% | 438 |
| Assets per employee ($millions) | 2.2657% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2309% | 6,240 |
| Loan loss allowance to noncurrent loans | 11.1967% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.1057% | 1,022 |
| Noncurrent loans to loans | 2.0620% | 1,169 |
| Net loans and leases to total assets | 70.0724% | 2,300 |
| Net loans and leases to deposits | 83.1165% | 2,423 |
| Net loans and leases to core deposits | 87.5365% | 2,603 |
| Total domestic deposits to total assets | 84.3062% | 3,445 |
| Equity capital to assets | 12.5685% | 1,621 |
| Core capital (leverage) ratio | 11.2724% | 2,185 |
| Tier 1 risk-based capital ratio | 16.9793% | 2,409 |
| Total risk-based capital ratio | 17.3723% | 2,749 |
| Memoranda: | ||
| Average total assets | $831,874,330 | 846 |
| Average earning assets | $705,067,000 | 906 |
| Average equity | $105,251,000 | 738 |
| Average total loans | $573,307,670 | 820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,201 |
| Cost of funding earning assets | 0.3514% | 3,842 |
| Net interest margin | 4.2566% | 965 |
| Noninterest income to average assets | 4.4953% | 143 |
| Noninterest expense to average assets | 7.9762% | 119 |
| Loan and lease loss provision to assets | 0.0241% | 3,390 |
| Net operating income to assets | 0.0924% | 5,891 |
| Return on assets (ROA) | 0.2421% | 5,674 |
| Pretax return on assets | 0.2421% | 5,767 |
| Return on Equity (ROE) | 1.9075% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.9075% | 4,712 |
| Net charge-offs to loans | 0.2666% | 897 |
| Credit loss provision to net charge-offs | 13.2275% | 2,413 |
| Earnings coverage of net charge-offs (x) | 0.6402% | 3,027 |
| Efficiency ratio | 97.0020% | 466 |
| Assets per employee ($millions) | 2.1781% | 6,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1943% | 6,325 |
| Loan loss allowance to noncurrent loans | 11.3413% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 1.9432% | 1,235 |
| Noncurrent loans to loans | 1.7133% | 1,599 |
| Net loans and leases to total assets | 68.4564% | 2,374 |
| Net loans and leases to deposits | 80.0749% | 2,551 |
| Net loans and leases to core deposits | 83.9368% | 2,776 |
| Total domestic deposits to total assets | 85.4905% | 3,182 |
| Equity capital to assets | 12.7690% | 1,530 |
| Core capital (leverage) ratio | 11.3947% | 2,085 |
| Tier 1 risk-based capital ratio | 17.4202% | 2,329 |
| Total risk-based capital ratio | 17.7740% | 2,616 |
| Memoranda: | ||
| Average total assets | $830,921,000 | 847 |
| Average earning assets | $702,250,500 | 914 |
| Average equity | $105,479,500 | 734 |
| Average total loans | $567,160,500 | 824 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0182% | 6,420 |
| Cost of funding earning assets | 0.2127% | 5,646 |
| Net interest margin | 1.8055% | 6,405 |
| Noninterest income to average assets | 1.7430% | 426 |
| Noninterest expense to average assets | 3.7526% | 1,060 |
| Loan and lease loss provision to assets | 0.0289% | 4,032 |
| Net operating income to assets | -0.4988% | 6,297 |
| Return on assets (ROA) | -0.4802% | 6,292 |
| Pretax return on assets | -0.4802% | 6,283 |
| Return on Equity (ROE) | -5.6841% | 6,305 |
| Retained earnings to average equity (ytd only) | -5.6841% | 6,206 |
| Net charge-offs to loans | -0.1100% | 6,135 |
| Credit loss provision to net charge-offs | -41.6025% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9275% | 181 |
| Assets per employee ($millions) | 2.1075% | 6,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1628% | 6,424 |
| Loan loss allowance to noncurrent loans | 3.0635% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 4.5142% | 339 |
| Noncurrent loans to loans | 5.3141% | 256 |
| Net loans and leases to total assets | 67.7001% | 2,605 |
| Net loans and leases to deposits | 81.6634% | 2,516 |
| Net loans and leases to core deposits | 85.2586% | 2,756 |
| Total domestic deposits to total assets | 82.9014% | 4,115 |
| Equity capital to assets | 12.6694% | 1,555 |
| Core capital (leverage) ratio | 10.3970% | 3,064 |
| Tier 1 risk-based capital ratio | 15.1942% | 3,382 |
| Total risk-based capital ratio | 15.4924% | 3,864 |
| Memoranda: | ||
| Average total assets | $935,270,400 | 713 |
| Average earning assets | $797,550,000 | 764 |
| Average equity | $79,010,200 | 927 |
| Average total loans | $589,759,400 | 745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4532% | 6,539 |
| Cost of funding earning assets | 0.1694% | 6,066 |
| Net interest margin | 1.2837% | 6,534 |
| Noninterest income to average assets | 1.3453% | 678 |
| Noninterest expense to average assets | 2.6534% | 4,004 |
| Loan and lease loss provision to assets | 0.0375% | 3,651 |
| Net operating income to assets | -0.2490% | 6,289 |
| Return on assets (ROA) | -0.2490% | 6,290 |
| Pretax return on assets | -0.2481% | 6,271 |
| Return on Equity (ROE) | -3.3058% | 6,325 |
| Retained earnings to average equity (ytd only) | -3.3058% | 6,164 |
| Net charge-offs to loans | -0.0792% | 6,069 |
| Credit loss provision to net charge-offs | -76.2712% | 5,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4122% | 253 |
| Assets per employee ($millions) | 2.1563% | 6,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1087% | 6,515 |
| Loan loss allowance to noncurrent loans | 3.0174% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 3.5206% | 608 |
| Noncurrent loans to loans | 3.6039% | 652 |
| Net loans and leases to total assets | 65.2651% | 2,989 |
| Net loans and leases to deposits | 75.9256% | 3,189 |
| Net loans and leases to core deposits | 80.5613% | 3,248 |
| Total domestic deposits to total assets | 85.9592% | 2,864 |
| Equity capital to assets | 12.9515% | 1,456 |
| Core capital (leverage) ratio | 9.3348% | 4,593 |
| Tier 1 risk-based capital ratio | 14.4271% | 3,925 |
| Total risk-based capital ratio | 14.6562% | 4,540 |
| Memoranda: | ||
| Average total assets | $960,970,500 | 699 |
| Average earning assets | $821,548,750 | 746 |
| Average equity | $72,395,500 | 1,008 |
| Average total loans | $596,073,750 | 737 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2686% | 6,646 |
| Cost of funding earning assets | 0.0570% | 6,575 |
| Net interest margin | 0.2117% | 6,648 |
| Noninterest income to average assets | 0.2751% | 5,230 |
| Noninterest expense to average assets | 0.4891% | 6,631 |
| Loan and lease loss provision to assets | 0.0546% | 3,209 |
| Net operating income to assets | -0.0861% | 6,247 |
| Return on assets (ROA) | -0.0861% | 6,263 |
| Pretax return on assets | -0.0861% | 6,245 |
| Return on Equity (ROE) | -1.4506% | 6,303 |
| Retained earnings to average equity (ytd only) | -1.4506% | 5,921 |
| Net charge-offs to loans | -0.0066% | 5,229 |
| Credit loss provision to net charge-offs | -1,350.0000% | 5,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8905% | 280 |
| Assets per employee ($millions) | 2.3510% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0447% | 6,593 |
| Loan loss allowance to noncurrent loans | 1.1329% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 3.7678% | 597 |
| Noncurrent loans to loans | 3.9469% | 608 |
| Net loans and leases to total assets | 57.6346% | 4,030 |
| Net loans and leases to deposits | 68.7799% | 3,960 |
| Net loans and leases to core deposits | 73.3423% | 3,910 |
| Total domestic deposits to total assets | 83.7956% | 3,996 |
| Equity capital to assets | 11.6511% | 2,281 |
| Core capital (leverage) ratio | 9.5637% | 4,234 |
| Tier 1 risk-based capital ratio | 15.1748% | 3,539 |
| Total risk-based capital ratio | 15.3507% | 4,127 |
| Memoranda: | ||
| Average total assets | $989,477,330 | 678 |
| Average earning assets | $853,285,330 | 716 |
| Average equity | $58,732,670 | 1,247 |
| Average total loans | $604,103,330 | 718 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8387% | 4,327 |
| Cost of funding earning assets | 0.9066% | 436 |
| Net interest margin | 2.9321% | 5,686 |
| Noninterest income to average assets | 2.1858% | 293 |
| Noninterest expense to average assets | 7.2164% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -2.4755% | 6,678 |
| Return on assets (ROA) | -2.4272% | 6,674 |
| Pretax return on assets | -2.4272% | 6,666 |
| Return on Equity (ROE) | -79.6816% | 6,710 |
| Retained earnings to average equity (ytd only) | -79.6816% | 6,703 |
| Net charge-offs to loans | 0.1493% | 1,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -26.4113% | 3,627 |
| Efficiency ratio | 152.2167% | 58 |
| Assets per employee ($millions) | 2.2047% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 3,844 |
| Loan loss allowance to noncurrent loans | 40.0462% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 3.7152% | 676 |
| Noncurrent loans to loans | 3.3725% | 892 |
| Net loans and leases to total assets | 63.5744% | 2,970 |
| Net loans and leases to deposits | 68.4437% | 3,811 |
| Net loans and leases to core deposits | 73.2743% | 3,736 |
| Total domestic deposits to total assets | 92.8857% | 128 |
| Equity capital to assets | 2.8757% | 6,695 |
| Core capital (leverage) ratio | 2.8977% | 6,704 |
| Tier 1 risk-based capital ratio | 4.6180% | 6,698 |
| Total risk-based capital ratio | 5.8707% | 6,701 |
| Memoranda: | ||
| Average total assets | $985,814,500 | 684 |
| Average earning assets | $859,034,500 | 715 |
| Average equity | $30,029,500 | 2,272 |
| Average total loans | $618,775,000 | 696 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 5,126 |
| Cost of funding earning assets | 1.0870% | 305 |
| Net interest margin | 2.6166% | 6,244 |
| Noninterest income to average assets | 1.8590% | 437 |
| Noninterest expense to average assets | 5.4502% | 255 |
| Loan and lease loss provision to assets | 0.1083% | 2,991 |
| Net operating income to assets | -1.3466% | 6,659 |
| Return on assets (ROA) | -1.3323% | 6,657 |
| Pretax return on assets | -1.3493% | 6,651 |
| Return on Equity (ROE) | -37.4534% | 6,749 |
| Retained earnings to average equity (ytd only) | -37.4534% | 6,746 |
| Net charge-offs to loans | 0.5286% | 1,256 |
| Credit loss provision to net charge-offs | 31.3782% | 4,224 |
| Earnings coverage of net charge-offs (x) | -3.6382% | 5,364 |
| Efficiency ratio | 129.9299% | 125 |
| Assets per employee ($millions) | 2.1500% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3784% | 3,755 |
| Loan loss allowance to noncurrent loans | 38.9541% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 3.6435% | 776 |
| Noncurrent loans to loans | 3.5386% | 876 |
| Net loans and leases to total assets | 60.3434% | 3,653 |
| Net loans and leases to deposits | 66.1537% | 4,278 |
| Net loans and leases to core deposits | 70.8180% | 4,207 |
| Total domestic deposits to total assets | 91.2169% | 498 |
| Equity capital to assets | 3.2069% | 6,758 |
| Core capital (leverage) ratio | 3.2776% | 6,770 |
| Tier 1 risk-based capital ratio | 5.5980% | 6,760 |
| Total risk-based capital ratio | 6.8507% | 6,761 |
| Memoranda: | ||
| Average total assets | $1,200,579,200 | 544 |
| Average earning assets | $1,071,701,800 | 555 |
| Average equity | $42,706,400 | 1,645 |
| Average total loans | $783,807,600 | 535 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 5,202 |
| Cost of funding earning assets | 1.1246% | 269 |
| Net interest margin | 2.5603% | 6,364 |
| Noninterest income to average assets | 2.3756% | 318 |
| Noninterest expense to average assets | 5.5454% | 248 |
| Loan and lease loss provision to assets | 0.1390% | 2,557 |
| Net operating income to assets | -1.0164% | 6,711 |
| Return on assets (ROA) | -1.0131% | 6,709 |
| Pretax return on assets | -1.0129% | 6,697 |
| Return on Equity (ROE) | -27.9200% | 6,805 |
| Retained earnings to average equity (ytd only) | -27.9200% | 6,796 |
| Net charge-offs to loans | 0.5721% | 1,102 |
| Credit loss provision to net charge-offs | 36.7439% | 3,770 |
| Earnings coverage of net charge-offs (x) | -2.3191% | 5,091 |
| Efficiency ratio | 118.7925% | 180 |
| Assets per employee ($millions) | 2.0021% | 6,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,239 |
| Loan loss allowance to noncurrent loans | 38.5895% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 4.1706% | 743 |
| Noncurrent loans to loans | 3.4475% | 1,113 |
| Net loans and leases to total assets | 62.7576% | 3,208 |
| Net loans and leases to deposits | 69.2259% | 3,902 |
| Net loans and leases to core deposits | 74.5663% | 3,779 |
| Total domestic deposits to total assets | 90.6563% | 682 |
| Equity capital to assets | 3.7353% | 6,823 |
| Core capital (leverage) ratio | 3.5503% | 6,840 |
| Tier 1 risk-based capital ratio | 5.9481% | 6,832 |
| Total risk-based capital ratio | 7.1995% | 6,831 |
| Memoranda: | ||
| Average total assets | $1,247,025,000 | 527 |
| Average earning assets | $1,116,595,000 | 532 |
| Average equity | $45,247,250 | 1,560 |
| Average total loans | $824,529,250 | 505 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5979% | 5,441 |
| Cost of funding earning assets | 1.1464% | 267 |
| Net interest margin | 2.4515% | 6,496 |
| Noninterest income to average assets | 3.0552% | 247 |
| Noninterest expense to average assets | 5.4105% | 273 |
| Loan and lease loss provision to assets | 0.1997% | 1,901 |
| Net operating income to assets | -0.3511% | 6,583 |
| Return on assets (ROA) | -0.3463% | 6,608 |
| Pretax return on assets | -0.3462% | 6,573 |
| Return on Equity (ROE) | -9.6234% | 6,734 |
| Retained earnings to average equity (ytd only) | -9.6234% | 6,654 |
| Net charge-offs to loans | 0.6574% | 994 |
| Credit loss provision to net charge-offs | 45.4704% | 3,305 |
| Earnings coverage of net charge-offs (x) | -0.3442% | 4,641 |
| Efficiency ratio | 102.8748% | 400 |
| Assets per employee ($millions) | 2.0678% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 4,531 |
| Loan loss allowance to noncurrent loans | 36.2075% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 3.0992% | 1,294 |
| Noncurrent loans to loans | 3.5787% | 1,161 |
| Net loans and leases to total assets | 61.0428% | 3,474 |
| Net loans and leases to deposits | 66.3666% | 4,221 |
| Net loans and leases to core deposits | 71.6382% | 4,088 |
| Total domestic deposits to total assets | 91.9783% | 253 |
| Equity capital to assets | 3.6723% | 6,876 |
| Core capital (leverage) ratio | 3.8241% | 6,879 |
| Tier 1 risk-based capital ratio | 6.5676% | 6,858 |
| Total risk-based capital ratio | 7.8198% | 6,860 |
| Memoranda: | ||
| Average total assets | $1,301,662,670 | 507 |
| Average earning assets | $1,170,290,000 | 506 |
| Average equity | $46,844,000 | 1,512 |
| Average total loans | $869,739,000 | 473 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6901% | 5,201 |
| Cost of funding earning assets | 1.1887% | 241 |
| Net interest margin | 2.5014% | 6,509 |
| Noninterest income to average assets | 2.8468% | 271 |
| Noninterest expense to average assets | 5.2802% | 301 |
| Loan and lease loss provision to assets | 0.3885% | 804 |
| Net operating income to assets | -0.5673% | 6,700 |
| Return on assets (ROA) | -0.5580% | 6,718 |
| Pretax return on assets | -0.5580% | 6,691 |
| Return on Equity (ROE) | -15.6521% | 6,872 |
| Retained earnings to average equity (ytd only) | -15.6521% | 6,763 |
| Net charge-offs to loans | 0.6523% | 938 |
| Credit loss provision to net charge-offs | 86.2069% | 2,079 |
| Earnings coverage of net charge-offs (x) | -0.3966% | 3,911 |
| Efficiency ratio | 103.5034% | 446 |
| Assets per employee ($millions) | 2.2195% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,509 |
| Loan loss allowance to noncurrent loans | 34.9582% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 3.3492% | 1,297 |
| Noncurrent loans to loans | 3.8357% | 1,197 |
| Net loans and leases to total assets | 63.3330% | 2,826 |
| Net loans and leases to deposits | 69.0850% | 3,628 |
| Net loans and leases to core deposits | 74.6910% | 3,496 |
| Total domestic deposits to total assets | 91.6740% | 313 |
| Equity capital to assets | 3.5773% | 6,952 |
| Core capital (leverage) ratio | 3.6314% | 6,946 |
| Tier 1 risk-based capital ratio | 6.5859% | 6,912 |
| Total risk-based capital ratio | 7.8417% | 6,915 |
| Memoranda: | ||
| Average total assets | $1,338,347,500 | 499 |
| Average earning assets | $1,206,351,000 | 498 |
| Average equity | $47,712,500 | 1,509 |
| Average total loans | $924,794,500 | 455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3156% | 4,139 |
| Cost of funding earning assets | 1.2718% | 414 |
| Net interest margin | 3.0439% | 5,942 |
| Noninterest income to average assets | 4.1272% | 181 |
| Noninterest expense to average assets | 5.3618% | 292 |
| Loan and lease loss provision to assets | 0.2058% | 3,083 |
| Net operating income to assets | 1.2232% | 1,522 |
| Return on assets (ROA) | 1.1871% | 1,806 |
| Pretax return on assets | 1.2164% | 2,740 |
| Return on Equity (ROE) | 35.8314% | 36 |
| Retained earnings to average equity (ytd only) | 35.8314% | 12 |
| Net charge-offs to loans | 0.5266% | 2,147 |
| Credit loss provision to net charge-offs | 52.0542% | 4,644 |
| Earnings coverage of net charge-offs (x) | 3.6905% | 3,638 |
| Efficiency ratio | 78.6102% | 2,342 |
| Assets per employee ($millions) | 2.3726% | 6,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,459 |
| Loan loss allowance to noncurrent loans | 29.4762% | 6,081 |
| Noncurrent assets plus other real estate owned to assets | 4.1677% | 1,013 |
| Noncurrent loans to loans | 3.8122% | 1,270 |
| Net loans and leases to total assets | 72.9080% | 1,351 |
| Net loans and leases to deposits | 84.5324% | 1,692 |
| Net loans and leases to core deposits | 91.3018% | 1,697 |
| Total domestic deposits to total assets | 86.2486% | 3,230 |
| Equity capital to assets | 3.5535% | 7,019 |
| Core capital (leverage) ratio | 3.8415% | 7,003 |
| Tier 1 risk-based capital ratio | 6.0540% | 6,987 |
| Total risk-based capital ratio | 7.3087% | 6,993 |
| Memoranda: | ||
| Average total assets | $1,249,870,600 | 527 |
| Average earning assets | $1,106,031,000 | 535 |
| Average equity | $41,407,800 | 1,687 |
| Average total loans | $938,304,800 | 443 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 4,408 |
| Cost of funding earning assets | 1.2964% | 443 |
| Net interest margin | 3.0162% | 6,136 |
| Noninterest income to average assets | 4.1579% | 179 |
| Noninterest expense to average assets | 5.0194% | 361 |
| Loan and lease loss provision to assets | 0.0626% | 4,927 |
| Net operating income to assets | 1.7323% | 649 |
| Return on assets (ROA) | 1.6820% | 795 |
| Pretax return on assets | 1.6820% | 1,321 |
| Return on Equity (ROE) | 51.8313% | 12 |
| Retained earnings to average equity (ytd only) | 51.8313% | 5 |
| Net charge-offs to loans | 0.3306% | 2,810 |
| Credit loss provision to net charge-offs | 25.0987% | 4,879 |
| Earnings coverage of net charge-offs (x) | 7.1966% | 2,640 |
| Efficiency ratio | 73.6598% | 3,040 |
| Assets per employee ($millions) | 2.3150% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,337 |
| Loan loss allowance to noncurrent loans | 32.9051% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 4.4190% | 1,055 |
| Noncurrent loans to loans | 3.6117% | 1,496 |
| Net loans and leases to total assets | 77.5049% | 788 |
| Net loans and leases to deposits | 90.5044% | 1,098 |
| Net loans and leases to core deposits | 97.2290% | 1,317 |
| Total domestic deposits to total assets | 85.6366% | 3,445 |
| Equity capital to assets | 3.8340% | 7,106 |
| Core capital (leverage) ratio | 4.0750% | 7,090 |
| Tier 1 risk-based capital ratio | 5.7998% | 7,089 |
| Total risk-based capital ratio | 7.0602% | 7,090 |
| Memoranda: | ||
| Average total assets | $1,218,314,750 | 542 |
| Average earning assets | $1,072,965,000 | 557 |
| Average equity | $39,535,000 | 1,776 |
| Average total loans | $919,209,750 | 450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 4,367 |
| Cost of funding earning assets | 1.3382% | 451 |
| Net interest margin | 3.0151% | 6,212 |
| Noninterest income to average assets | 3.7522% | 195 |
| Noninterest expense to average assets | 5.0510% | 361 |
| Loan and lease loss provision to assets | 0.0959% | 4,341 |
| Net operating income to assets | 1.2511% | 1,565 |
| Return on assets (ROA) | 1.1739% | 2,007 |
| Pretax return on assets | 1.1739% | 3,037 |
| Return on Equity (ROE) | 38.7170% | 43 |
| Retained earnings to average equity (ytd only) | 38.7170% | 30 |
| Net charge-offs to loans | 0.1920% | 3,431 |
| Credit loss provision to net charge-offs | 67.1362% | 3,631 |
| Earnings coverage of net charge-offs (x) | 9.4308% | 2,168 |
| Efficiency ratio | 78.9472% | 2,334 |
| Assets per employee ($millions) | 2.3394% | 6,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 4,078 |
| Loan loss allowance to noncurrent loans | 40.5567% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 4.6144% | 1,058 |
| Noncurrent loans to loans | 3.6641% | 1,558 |
| Net loans and leases to total assets | 73.2420% | 1,362 |
| Net loans and leases to deposits | 85.4382% | 1,664 |
| Net loans and leases to core deposits | 91.2757% | 1,844 |
| Total domestic deposits to total assets | 85.7251% | 3,500 |
| Equity capital to assets | 3.3414% | 7,168 |
| Core capital (leverage) ratio | 3.6555% | 7,147 |
| Tier 1 risk-based capital ratio | 5.0697% | 7,162 |
| Total risk-based capital ratio | 6.3269% | 7,162 |
| Memoranda: | ||
| Average total assets | $1,193,066,670 | 556 |
| Average earning assets | $1,046,937,000 | 564 |
| Average equity | $36,175,330 | 1,926 |
| Average total loans | $887,272,330 | 464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 3,904 |
| Cost of funding earning assets | 1.3992% | 430 |
| Net interest margin | 3.1029% | 6,030 |
| Noninterest income to average assets | 3.3611% | 203 |
| Noninterest expense to average assets | 5.1990% | 326 |
| Loan and lease loss provision to assets | 0.3393% | 1,843 |
| Net operating income to assets | 0.5398% | 4,654 |
| Return on assets (ROA) | 0.3837% | 5,508 |
| Pretax return on assets | 0.3837% | 5,769 |
| Return on Equity (ROE) | 13.3607% | 1,311 |
| Retained earnings to average equity (ytd only) | 13.3607% | 634 |
| Net charge-offs to loans | 0.4931% | 1,858 |
| Credit loss provision to net charge-offs | 92.5069% | 2,503 |
| Earnings coverage of net charge-offs (x) | 2.3969% | 3,219 |
| Efficiency ratio | 85.5373% | 1,523 |
| Assets per employee ($millions) | 2.2666% | 7,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 3,823 |
| Loan loss allowance to noncurrent loans | 32.5566% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 5.7865% | 829 |
| Noncurrent loans to loans | 4.8387% | 1,170 |
| Net loans and leases to total assets | 72.5823% | 1,301 |
| Net loans and leases to deposits | 84.4256% | 1,606 |
| Net loans and leases to core deposits | 89.5981% | 1,892 |
| Total domestic deposits to total assets | 85.9718% | 3,543 |
| Equity capital to assets | 2.9501% | 7,239 |
| Core capital (leverage) ratio | 3.1494% | 7,227 |
| Tier 1 risk-based capital ratio | 4.4443% | 7,233 |
| Total risk-based capital ratio | 5.7015% | 7,234 |
| Memoranda: | ||
| Average total assets | $1,179,007,000 | 563 |
| Average earning assets | $1,032,313,000 | 575 |
| Average equity | $33,860,500 | 2,047 |
| Average total loans | $876,952,000 | 465 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 5,406 |
| Cost of funding earning assets | 1.6404% | 408 |
| Net interest margin | 2.7643% | 6,865 |
| Noninterest income to average assets | 1.2962% | 764 |
| Noninterest expense to average assets | 4.8742% | 420 |
| Loan and lease loss provision to assets | 1.1706% | 761 |
| Net operating income to assets | -2.2639% | 7,073 |
| Return on assets (ROA) | -2.2684% | 7,089 |
| Pretax return on assets | -2.3178% | 7,088 |
| Return on Equity (ROE) | -61.3707% | 7,247 |
| Retained earnings to average equity (ytd only) | -61.3707% | 7,247 |
| Net charge-offs to loans | 1.6964% | 900 |
| Credit loss provision to net charge-offs | 97.8758% | 3,674 |
| Earnings coverage of net charge-offs (x) | -0.9553% | 6,189 |
| Efficiency ratio | 130.3584% | 231 |
| Assets per employee ($millions) | 2.3447% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 3,770 |
| Loan loss allowance to noncurrent loans | 32.0255% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 5.8369% | 857 |
| Noncurrent loans to loans | 4.8598% | 1,185 |
| Net loans and leases to total assets | 73.8492% | 1,299 |
| Net loans and leases to deposits | 85.8271% | 1,691 |
| Net loans and leases to core deposits | 90.9439% | 1,994 |
| Total domestic deposits to total assets | 86.0441% | 3,301 |
| Equity capital to assets | 2.7938% | 7,286 |
| Core capital (leverage) ratio | 3.0281% | 7,265 |
| Tier 1 risk-based capital ratio | 4.2125% | 7,273 |
| Total risk-based capital ratio | 5.4697% | 7,275 |
| Memoranda: | ||
| Average total assets | $1,224,140,600 | 536 |
| Average earning assets | $1,078,529,800 | 543 |
| Average equity | $45,248,000 | 1,504 |
| Average total loans | $863,040,400 | 487 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 5,800 |
| Cost of funding earning assets | 1.6771% | 434 |
| Net interest margin | 2.6661% | 7,018 |
| Noninterest income to average assets | 0.9462% | 1,496 |
| Noninterest expense to average assets | 4.6861% | 485 |
| Loan and lease loss provision to assets | 1.2498% | 610 |
| Net operating income to assets | -2.6366% | 7,230 |
| Return on assets (ROA) | -2.6406% | 7,246 |
| Pretax return on assets | -2.6406% | 7,237 |
| Return on Equity (ROE) | -67.5059% | 7,340 |
| Retained earnings to average equity (ytd only) | -67.5059% | 7,337 |
| Net charge-offs to loans | 1.8008% | 741 |
| Credit loss provision to net charge-offs | 99.9741% | 3,421 |
| Earnings coverage of net charge-offs (x) | -1.1093% | 5,945 |
| Efficiency ratio | 141.6468% | 175 |
| Assets per employee ($millions) | 2.3579% | 7,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 3,520 |
| Loan loss allowance to noncurrent loans | 30.7518% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 5.9396% | 902 |
| Noncurrent loans to loans | 5.3063% | 1,145 |
| Net loans and leases to total assets | 70.8605% | 1,923 |
| Net loans and leases to deposits | 82.2467% | 2,313 |
| Net loans and leases to core deposits | 86.8717% | 2,663 |
| Total domestic deposits to total assets | 86.1560% | 3,133 |
| Equity capital to assets | 3.0194% | 7,362 |
| Core capital (leverage) ratio | 3.4170% | 7,331 |
| Tier 1 risk-based capital ratio | 4.5460% | 7,343 |
| Total risk-based capital ratio | 5.8036% | 7,347 |
| Memoranda: | ||
| Average total assets | $1,235,327,250 | 538 |
| Average earning assets | $1,090,299,250 | 545 |
| Average equity | $48,322,500 | 1,416 |
| Average total loans | $857,614,750 | 493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 5,963 |
| Cost of funding earning assets | 1.7348% | 414 |
| Net interest margin | 2.5826% | 7,132 |
| Noninterest income to average assets | 0.7354% | 2,349 |
| Noninterest expense to average assets | 4.7365% | 467 |
| Loan and lease loss provision to assets | 1.0546% | 797 |
| Net operating income to assets | -2.7703% | 7,289 |
| Return on assets (ROA) | -2.7693% | 7,295 |
| Pretax return on assets | -2.7693% | 7,282 |
| Return on Equity (ROE) | -65.9789% | 7,389 |
| Retained earnings to average equity (ytd only) | -65.9789% | 7,386 |
| Net charge-offs to loans | 1.5374% | 960 |
| Credit loss provision to net charge-offs | 100.0152% | 3,112 |
| Earnings coverage of net charge-offs (x) | -1.6270% | 5,694 |
| Efficiency ratio | 156.1651% | 128 |
| Assets per employee ($millions) | 2.2889% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 3,128 |
| Loan loss allowance to noncurrent loans | 31.1859% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 6.2889% | 868 |
| Noncurrent loans to loans | 5.6386% | 1,106 |
| Net loans and leases to total assets | 67.5290% | 2,706 |
| Net loans and leases to deposits | 78.9618% | 2,972 |
| Net loans and leases to core deposits | 82.6806% | 3,407 |
| Total domestic deposits to total assets | 85.5210% | 3,612 |
| Equity capital to assets | 3.7444% | 7,405 |
| Core capital (leverage) ratio | 3.8321% | 7,384 |
| Tier 1 risk-based capital ratio | 5.6590% | 7,372 |
| Total risk-based capital ratio | 6.9161% | 7,377 |
| Memoranda: | ||
| Average total assets | $1,247,829,000 | 535 |
| Average earning assets | $1,104,334,670 | 543 |
| Average equity | $52,374,330 | 1,285 |
| Average total loans | $855,865,330 | 500 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2523% | 6,140 |
| Cost of funding earning assets | 1.7383% | 477 |
| Net interest margin | 2.5140% | 7,186 |
| Noninterest income to average assets | 0.7015% | 2,570 |
| Noninterest expense to average assets | 4.7976% | 435 |
| Loan and lease loss provision to assets | 0.2482% | 3,178 |
| Net operating income to assets | -2.1085% | 7,301 |
| Return on assets (ROA) | -2.1085% | 7,300 |
| Pretax return on assets | -2.1089% | 7,276 |
| Return on Equity (ROE) | -47.9013% | 7,408 |
| Retained earnings to average equity (ytd only) | -47.9013% | 7,395 |
| Net charge-offs to loans | 0.3704% | 2,586 |
| Credit loss provision to net charge-offs | 97.7995% | 2,793 |
| Earnings coverage of net charge-offs (x) | -7.3313% | 5,046 |
| Efficiency ratio | 162.6558% | 116 |
| Assets per employee ($millions) | 2.1399% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 3,252 |
| Loan loss allowance to noncurrent loans | 29.3550% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 6.0609% | 948 |
| Noncurrent loans to loans | 5.8803% | 1,094 |
| Net loans and leases to total assets | 63.2052% | 3,601 |
| Net loans and leases to deposits | 73.6861% | 3,808 |
| Net loans and leases to core deposits | 77.0865% | 4,154 |
| Total domestic deposits to total assets | 85.7763% | 3,650 |
| Equity capital to assets | 4.2169% | 7,423 |
| Core capital (leverage) ratio | 4.4085% | 7,403 |
| Tier 1 risk-based capital ratio | 6.6508% | 7,392 |
| Total risk-based capital ratio | 7.9068% | 7,397 |
| Memoranda: | ||
| Average total assets | $1,289,227,500 | 520 |
| Average earning assets | $1,146,391,000 | 525 |
| Average equity | $56,750,000 | 1,173 |
| Average total loans | $883,390,000 | 495 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 5,970 |
| Cost of funding earning assets | 1.9743% | 667 |
| Net interest margin | 2.6714% | 7,146 |
| Noninterest income to average assets | 1.6332% | 548 |
| Noninterest expense to average assets | 4.4637% | 675 |
| Loan and lease loss provision to assets | 1.3108% | 1,170 |
| Net operating income to assets | -3.5925% | 7,386 |
| Return on assets (ROA) | -3.6806% | 7,414 |
| Pretax return on assets | -1.8892% | 6,985 |
| Return on Equity (ROE) | -54.6948% | 7,448 |
| Retained earnings to average equity (ytd only) | -54.6948% | 7,445 |
| Net charge-offs to loans | 1.5784% | 1,382 |
| Credit loss provision to net charge-offs | 116.1682% | 3,704 |
| Earnings coverage of net charge-offs (x) | -0.4346% | 6,421 |
| Efficiency ratio | 111.8236% | 508 |
| Assets per employee ($millions) | 2.0273% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 4,126 |
| Loan loss allowance to noncurrent loans | 26.0586% | 6,534 |
| Noncurrent assets plus other real estate owned to assets | 5.7714% | 1,049 |
| Noncurrent loans to loans | 5.6759% | 1,137 |
| Net loans and leases to total assets | 71.5090% | 2,199 |
| Net loans and leases to deposits | 83.5119% | 2,531 |
| Net loans and leases to core deposits | 87.4455% | 3,123 |
| Total domestic deposits to total assets | 85.6274% | 3,536 |
| Equity capital to assets | 4.5805% | 7,472 |
| Core capital (leverage) ratio | 4.7135% | 7,439 |
| Tier 1 risk-based capital ratio | 6.7932% | 7,444 |
| Total risk-based capital ratio | 8.0482% | 7,447 |
| Memoranda: | ||
| Average total assets | $1,357,226,400 | 500 |
| Average earning assets | $1,188,899,000 | 513 |
| Average equity | $91,332,200 | 732 |
| Average total loans | $970,231,800 | 458 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6359% | 6,238 |
| Cost of funding earning assets | 2.0421% | 659 |
| Net interest margin | 2.5939% | 7,318 |
| Noninterest income to average assets | 1.7114% | 486 |
| Noninterest expense to average assets | 4.4434% | 635 |
| Loan and lease loss provision to assets | 1.5870% | 818 |
| Net operating income to assets | -1.1687% | 6,973 |
| Return on assets (ROA) | -1.2432% | 7,028 |
| Pretax return on assets | -2.1741% | 7,240 |
| Return on Equity (ROE) | -17.1609% | 7,163 |
| Retained earnings to average equity (ytd only) | -17.1609% | 7,141 |
| Net charge-offs to loans | 1.7442% | 1,115 |
| Credit loss provision to net charge-offs | 127.7447% | 3,185 |
| Earnings coverage of net charge-offs (x) | -0.3789% | 6,280 |
| Efficiency ratio | 111.3171% | 501 |
| Assets per employee ($millions) | 2.0117% | 7,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,784 |
| Loan loss allowance to noncurrent loans | 28.1816% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 5.6661% | 1,076 |
| Noncurrent loans to loans | 5.4575% | 1,221 |
| Net loans and leases to total assets | 72.4625% | 2,142 |
| Net loans and leases to deposits | 87.5837% | 2,065 |
| Net loans and leases to core deposits | 91.2093% | 2,919 |
| Total domestic deposits to total assets | 82.7352% | 4,705 |
| Equity capital to assets | 7.3818% | 7,192 |
| Core capital (leverage) ratio | 5.7359% | 7,468 |
| Tier 1 risk-based capital ratio | 7.6087% | 7,509 |
| Total risk-based capital ratio | 8.8636% | 7,510 |
| Memoranda: | ||
| Average total assets | $1,368,620,250 | 487 |
| Average earning assets | $1,193,140,500 | 507 |
| Average equity | $99,145,250 | 676 |
| Average total loans | $974,782,250 | 459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6007% | 6,461 |
| Cost of funding earning assets | 2.1227% | 610 |
| Net interest margin | 2.4780% | 7,431 |
| Noninterest income to average assets | 1.0650% | 1,181 |
| Noninterest expense to average assets | 4.2281% | 786 |
| Loan and lease loss provision to assets | 0.9486% | 1,547 |
| Net operating income to assets | -1.1056% | 6,988 |
| Return on assets (ROA) | -1.1408% | 7,023 |
| Pretax return on assets | -2.0020% | 7,239 |
| Return on Equity (ROE) | -15.8447% | 7,168 |
| Retained earnings to average equity (ytd only) | -15.8447% | 7,131 |
| Net charge-offs to loans | 1.2683% | 1,502 |
| Credit loss provision to net charge-offs | 106.1516% | 3,840 |
| Earnings coverage of net charge-offs (x) | -1.1174% | 6,138 |
| Efficiency ratio | 130.9157% | 310 |
| Assets per employee ($millions) | 1.9890% | 7,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 5,288 |
| Loan loss allowance to noncurrent loans | 19.7606% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 5.9770% | 990 |
| Noncurrent loans to loans | 6.2276% | 999 |
| Net loans and leases to total assets | 71.3260% | 2,585 |
| Net loans and leases to deposits | 86.1914% | 2,479 |
| Net loans and leases to core deposits | 92.4842% | 2,919 |
| Total domestic deposits to total assets | 82.7531% | 4,667 |
| Equity capital to assets | 7.6355% | 7,032 |
| Core capital (leverage) ratio | 6.0906% | 7,468 |
| Tier 1 risk-based capital ratio | 8.4633% | 7,489 |
| Total risk-based capital ratio | 9.6961% | 7,499 |
| Memoranda: | ||
| Average total assets | $1,378,903,000 | 483 |
| Average earning assets | $1,204,512,330 | 500 |
| Average equity | $99,276,330 | 664 |
| Average total loans | $971,534,670 | 462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 6,366 |
| Cost of funding earning assets | 2.1824% | 627 |
| Net interest margin | 2.4808% | 7,487 |
| Noninterest income to average assets | 1.2751% | 745 |
| Noninterest expense to average assets | 4.2158% | 794 |
| Loan and lease loss provision to assets | 0.6284% | 2,018 |
| Net operating income to assets | -0.7802% | 6,998 |
| Return on assets (ROA) | -0.8028% | 7,029 |
| Pretax return on assets | -1.4340% | 7,236 |
| Return on Equity (ROE) | -11.4870% | 7,191 |
| Retained earnings to average equity (ytd only) | -11.4870% | 7,044 |
| Net charge-offs to loans | 0.7531% | 2,003 |
| Credit loss provision to net charge-offs | 119.8686% | 2,912 |
| Earnings coverage of net charge-offs (x) | -1.4696% | 5,431 |
| Efficiency ratio | 122.3601% | 415 |
| Assets per employee ($millions) | 1.9532% | 7,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,989 |
| Loan loss allowance to noncurrent loans | 26.7357% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 4.6241% | 1,450 |
| Noncurrent loans to loans | 4.8222% | 1,523 |
| Net loans and leases to total assets | 65.0282% | 4,093 |
| Net loans and leases to deposits | 77.3854% | 4,151 |
| Net loans and leases to core deposits | 83.6890% | 4,248 |
| Total domestic deposits to total assets | 84.0316% | 4,135 |
| Equity capital to assets | 6.8381% | 7,433 |
| Core capital (leverage) ratio | 5.7467% | 7,618 |
| Tier 1 risk-based capital ratio | 7.9389% | 7,620 |
| Total risk-based capital ratio | 9.1851% | 7,628 |
| Memoranda: | ||
| Average total assets | $1,394,098,500 | 494 |
| Average earning assets | $1,219,588,500 | 510 |
| Average equity | $97,431,500 | 681 |
| Average total loans | $970,390,000 | 482 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 3,812 |
| Cost of funding earning assets | 2.8230% | 410 |
| Net interest margin | 2.7375% | 7,157 |
| Noninterest income to average assets | 1.8486% | 437 |
| Noninterest expense to average assets | 4.6738% | 668 |
| Loan and lease loss provision to assets | 0.8970% | 2,508 |
| Net operating income to assets | -0.7574% | 6,410 |
| Return on assets (ROA) | -0.8649% | 6,483 |
| Pretax return on assets | -1.6258% | 6,773 |
| Return on Equity (ROE) | -13.2708% | 6,846 |
| Retained earnings to average equity (ytd only) | -13.2708% | 6,774 |
| Net charge-offs to loans | 1.2368% | 1,996 |
| Credit loss provision to net charge-offs | 95.8409% | 5,783 |
| Earnings coverage of net charge-offs (x) | -0.5993% | 6,750 |
| Efficiency ratio | 113.6375% | 721 |
| Assets per employee ($millions) | 1.4464% | 7,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 5,659 |
| Loan loss allowance to noncurrent loans | 25.7818% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 4.8699% | 1,284 |
| Noncurrent loans to loans | 4.4445% | 1,604 |
| Net loans and leases to total assets | 72.5719% | 2,614 |
| Net loans and leases to deposits | 87.2998% | 2,680 |
| Net loans and leases to core deposits | 133.6155% | 1,081 |
| Total domestic deposits to total assets | 83.1296% | 4,468 |
| Equity capital to assets | 7.1427% | 7,298 |
| Core capital (leverage) ratio | 6.2374% | 7,578 |
| Tier 1 risk-based capital ratio | 7.9186% | 7,665 |
| Total risk-based capital ratio | 9.0637% | 7,682 |
| Memoranda: | ||
| Average total assets | $1,299,876,600 | 521 |
| Average earning assets | $1,075,172,000 | 563 |
| Average equity | $84,712,000 | 757 |
| Average total loans | $983,669,800 | 482 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 3,393 |
| Cost of funding earning assets | 2.9709% | 361 |
| Net interest margin | 2.7189% | 7,183 |
| Noninterest income to average assets | 1.8857% | 418 |
| Noninterest expense to average assets | 4.6993% | 613 |
| Loan and lease loss provision to assets | 0.8709% | 2,205 |
| Net operating income to assets | -0.7504% | 6,645 |
| Return on assets (ROA) | -0.8756% | 6,743 |
| Pretax return on assets | -1.6636% | 7,033 |
| Return on Equity (ROE) | -13.7926% | 7,123 |
| Retained earnings to average equity (ytd only) | -13.7926% | 7,062 |
| Net charge-offs to loans | 1.2907% | 1,593 |
| Credit loss provision to net charge-offs | 88.4562% | 5,524 |
| Earnings coverage of net charge-offs (x) | -0.6065% | 6,525 |
| Efficiency ratio | 114.5564% | 682 |
| Assets per employee ($millions) | 1.6515% | 7,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,699 |
| Loan loss allowance to noncurrent loans | 22.1268% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 5.7745% | 961 |
| Noncurrent loans to loans | 4.9903% | 1,334 |
| Net loans and leases to total assets | 75.7608% | 2,042 |
| Net loans and leases to deposits | 91.4348% | 2,329 |
| Net loans and leases to core deposits | 128.5358% | 1,536 |
| Total domestic deposits to total assets | 82.8578% | 4,295 |
| Equity capital to assets | 6.2213% | 7,819 |
| Core capital (leverage) ratio | 5.3685% | 7,887 |
| Tier 1 risk-based capital ratio | 6.6624% | 7,925 |
| Total risk-based capital ratio | 8.4194% | 7,883 |
| Memoranda: | ||
| Average total assets | $1,279,868,250 | 539 |
| Average earning assets | $1,043,369,500 | 588 |
| Average equity | $81,249,250 | 804 |
| Average total loans | $976,328,500 | 501 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 3,313 |
| Cost of funding earning assets | 3.0318% | 426 |
| Net interest margin | 2.7149% | 7,172 |
| Noninterest income to average assets | 2.0188% | 369 |
| Noninterest expense to average assets | 4.5312% | 754 |
| Loan and lease loss provision to assets | 0.9842% | 1,712 |
| Net operating income to assets | -0.6971% | 6,748 |
| Return on assets (ROA) | -0.8788% | 6,897 |
| Pretax return on assets | -1.5827% | 7,125 |
| Return on Equity (ROE) | -13.7497% | 7,267 |
| Retained earnings to average equity (ytd only) | -13.7497% | 7,168 |
| Net charge-offs to loans | 1.4185% | 1,325 |
| Credit loss provision to net charge-offs | 91.0810% | 4,887 |
| Earnings coverage of net charge-offs (x) | -0.2911% | 5,947 |
| Efficiency ratio | 107.4606% | 928 |
| Assets per employee ($millions) | 1.7599% | 7,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 5,328 |
| Loan loss allowance to noncurrent loans | 24.4192% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 5.7273% | 863 |
| Noncurrent loans to loans | 4.6724% | 1,357 |
| Net loans and leases to total assets | 73.9145% | 2,723 |
| Net loans and leases to deposits | 90.8550% | 2,681 |
| Net loans and leases to core deposits | 118.5045% | 2,498 |
| Total domestic deposits to total assets | 81.3543% | 4,945 |
| Equity capital to assets | 6.0577% | 7,917 |
| Core capital (leverage) ratio | 5.7651% | 7,957 |
| Tier 1 risk-based capital ratio | 6.8876% | 8,018 |
| Total risk-based capital ratio | 8.7063% | 7,978 |
| Memoranda: | ||
| Average total assets | $1,272,154,000 | 553 |
| Average earning assets | $1,029,886,670 | 605 |
| Average equity | $81,311,000 | 810 |
| Average total loans | $969,040,000 | 522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6768% | 3,914 |
| Cost of funding earning assets | 3.1059% | 452 |
| Net interest margin | 2.5709% | 7,407 |
| Noninterest income to average assets | 1.6895% | 477 |
| Noninterest expense to average assets | 4.5516% | 675 |
| Loan and lease loss provision to assets | 1.1019% | 1,186 |
| Net operating income to assets | -1.0365% | 7,276 |
| Return on assets (ROA) | -1.0365% | 7,288 |
| Pretax return on assets | -1.8461% | 7,484 |
| Return on Equity (ROE) | -15.7662% | 7,640 |
| Retained earnings to average equity (ytd only) | -15.7662% | 7,481 |
| Net charge-offs to loans | 1.9448% | 743 |
| Credit loss provision to net charge-offs | 73.6409% | 4,287 |
| Earnings coverage of net charge-offs (x) | -0.4973% | 5,248 |
| Efficiency ratio | 119.5438% | 638 |
| Assets per employee ($millions) | 1.6305% | 8,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,262 |
| Loan loss allowance to noncurrent loans | 21.6670% | 7,076 |
| Noncurrent assets plus other real estate owned to assets | 5.7124% | 724 |
| Noncurrent loans to loans | 5.2149% | 1,021 |
| Net loans and leases to total assets | 74.9040% | 2,529 |
| Net loans and leases to deposits | 93.1652% | 2,406 |
| Net loans and leases to core deposits | 116.3665% | 2,766 |
| Total domestic deposits to total assets | 80.3991% | 5,210 |
| Equity capital to assets | 6.5805% | 7,845 |
| Core capital (leverage) ratio | 6.1767% | 7,973 |
| Tier 1 risk-based capital ratio | 7.3416% | 8,069 |
| Total risk-based capital ratio | 9.1414% | 8,044 |
| Memoranda: | ||
| Average total assets | $1,234,195,500 | 572 |
| Average earning assets | $1,016,778,000 | 614 |
| Average equity | $81,135,500 | 812 |
| Average total loans | $949,600,000 | 537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2444% | 4,278 |
| Cost of funding earning assets | 3.0668% | 1,613 |
| Net interest margin | 3.1776% | 6,439 |
| Noninterest income to average assets | 1.3581% | 783 |
| Noninterest expense to average assets | 5.0031% | 622 |
| Loan and lease loss provision to assets | 0.9256% | 1,609 |
| Net operating income to assets | -0.9632% | 7,230 |
| Return on assets (ROA) | -1.2701% | 7,318 |
| Pretax return on assets | -2.3175% | 7,537 |
| Return on Equity (ROE) | -18.5027% | 7,727 |
| Retained earnings to average equity (ytd only) | -18.5027% | 7,638 |
| Net charge-offs to loans | 0.8937% | 1,388 |
| Credit loss provision to net charge-offs | 136.1425% | 3,915 |
| Earnings coverage of net charge-offs (x) | -1.3419% | 6,644 |
| Efficiency ratio | 122.3019% | 546 |
| Assets per employee ($millions) | 1.5302% | 8,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 3,831 |
| Loan loss allowance to noncurrent loans | 26.6291% | 6,909 |
| Noncurrent assets plus other real estate owned to assets | 5.3860% | 609 |
| Noncurrent loans to loans | 4.8579% | 928 |
| Net loans and leases to total assets | 77.1843% | 2,335 |
| Net loans and leases to deposits | 96.5044% | 2,370 |
| Net loans and leases to core deposits | 120.2355% | 2,660 |
| Total domestic deposits to total assets | 79.9801% | 5,032 |
| Equity capital to assets | 6.5670% | 7,914 |
| Core capital (leverage) ratio | 5.8328% | 8,124 |
| Tier 1 risk-based capital ratio | 6.8358% | 8,184 |
| Total risk-based capital ratio | 8.7993% | 8,154 |
| Memoranda: | ||
| Average total assets | $1,172,825,600 | 570 |
| Average earning assets | $1,008,632,600 | 594 |
| Average equity | $80,507,000 | 827 |
| Average total loans | $892,211,600 | 552 |