Home > First National Bank > Performance and Condition Ratios
First National Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9447% | 5,398 |
| Cost of funding earning assets | 0.1497% | 5,271 |
| Net interest margin | 2.7949% | 5,162 |
| Noninterest income to average assets | 0.4852% | 2,899 |
| Noninterest expense to average assets | 5.8055% | 148 |
| Loan and lease loss provision to assets | -1.0537% | 5,598 |
| Net operating income to assets | -1.5846% | 5,557 |
| Return on assets (ROA) | -6.1345% | 5,594 |
| Pretax return on assets | -6.1345% | 5,594 |
| Return on Equity (ROE) | -35.2804% | 5,584 |
| Retained earnings to average equity (ytd only) | -35.2804% | 5,564 |
| Net charge-offs to loans | 0.1505% | 927 |
| Credit loss provision to net charge-offs | -1,874.0741% | 4,281 |
| Earnings coverage of net charge-offs (x) | -46.9259% | 2,708 |
| Efficiency ratio | 183.3005% | 17 |
| Assets per employee ($millions) | 3.4547% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,470 |
| Loan loss allowance to noncurrent loans | 66.2730% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 1,961 |
| Noncurrent loans to loans | 2.2626% | 651 |
| Net loans and leases to total assets | 34.9175% | 5,244 |
| Net loans and leases to deposits | 42.7193% | 5,196 |
| Net loans and leases to core deposits | 43.4987% | 5,224 |
| Total domestic deposits to total assets | 81.7371% | 4,035 |
| Equity capital to assets | 17.0656% | 395 |
| Core capital (leverage) ratio | 17.0868% | 375 |
| Tier 1 risk-based capital ratio | 53.2350% | 112 |
| Total risk-based capital ratio | 54.4900% | 110 |
| Memoranda: | ||
| Average total assets | $192,093,000 | 3,013 |
| Average earning assets | $184,332,500 | 2,948 |
| Average equity | $33,401,000 | 2,167 |
| Average total loans | $71,756,000 | 3,932 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 5,429 |
| Cost of funding earning assets | 0.1614% | 5,200 |
| Net interest margin | 2.7160% | 5,264 |
| Noninterest income to average assets | 0.4515% | 3,303 |
| Noninterest expense to average assets | 2.8747% | 2,537 |
| Loan and lease loss provision to assets | -0.4823% | 5,646 |
| Net operating income to assets | 0.6642% | 3,758 |
| Return on assets (ROA) | 0.6787% | 3,740 |
| Pretax return on assets | 0.6787% | 4,562 |
| Return on Equity (ROE) | 4.1693% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.1693% | 2,663 |
| Net charge-offs to loans | 0.3722% | 681 |
| Credit loss provision to net charge-offs | -456.6210% | 4,934 |
| Earnings coverage of net charge-offs (x) | 1.7215% | 3,859 |
| Efficiency ratio | 94.0508% | 293 |
| Assets per employee ($millions) | 3.4066% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 511 |
| Loan loss allowance to noncurrent loans | 101.7139% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 1,900 |
| Noncurrent loans to loans | 1.9920% | 766 |
| Net loans and leases to total assets | 38.4251% | 5,202 |
| Net loans and leases to deposits | 46.9719% | 5,166 |
| Net loans and leases to core deposits | 47.7169% | 5,197 |
| Total domestic deposits to total assets | 81.8043% | 3,911 |
| Equity capital to assets | 17.7033% | 337 |
| Core capital (leverage) ratio | 18.0001% | 289 |
| Tier 1 risk-based capital ratio | 42.8389% | 182 |
| Total risk-based capital ratio | 44.0955% | 178 |
| Memoranda: | ||
| Average total assets | $207,323,200 | 2,848 |
| Average earning assets | $198,859,000 | 2,778 |
| Average equity | $33,747,000 | 2,143 |
| Average total loans | $58,841,000 | 4,228 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8457% | 5,504 |
| Cost of funding earning assets | 0.1636% | 5,231 |
| Net interest margin | 2.6821% | 5,342 |
| Noninterest income to average assets | 0.4678% | 3,230 |
| Noninterest expense to average assets | 2.8716% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1697% | 5,381 |
| Return on assets (ROA) | 0.1798% | 5,384 |
| Pretax return on assets | 0.1798% | 5,402 |
| Return on Equity (ROE) | 1.1273% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.1273% | 4,937 |
| Net charge-offs to loans | 0.2495% | 865 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.6274% | 3,442 |
| Efficiency ratio | 94.4213% | 279 |
| Assets per employee ($millions) | 3.4194% | 4,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1575% | 60 |
| Loan loss allowance to noncurrent loans | 197.1831% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7407% | 2,280 |
| Noncurrent loans to loans | 2.1085% | 781 |
| Net loans and leases to total assets | 30.9185% | 5,478 |
| Net loans and leases to deposits | 37.6208% | 5,469 |
| Net loans and leases to core deposits | 38.1322% | 5,490 |
| Total domestic deposits to total assets | 82.1846% | 3,717 |
| Equity capital to assets | 17.2749% | 402 |
| Core capital (leverage) ratio | 16.6592% | 412 |
| Tier 1 risk-based capital ratio | 44.1539% | 178 |
| Total risk-based capital ratio | 45.4311% | 169 |
| Memoranda: | ||
| Average total assets | $210,609,500 | 2,842 |
| Average earning assets | $202,076,500 | 2,775 |
| Average equity | $33,589,750 | 2,163 |
| Average total loans | $54,512,250 | 4,378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7722% | 5,565 |
| Cost of funding earning assets | 0.1641% | 5,249 |
| Net interest margin | 2.6081% | 5,431 |
| Noninterest income to average assets | 0.4686% | 3,230 |
| Noninterest expense to average assets | 2.8728% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0978% | 5,494 |
| Return on assets (ROA) | 0.0978% | 5,497 |
| Pretax return on assets | 0.0978% | 5,513 |
| Return on Equity (ROE) | 0.6294% | 5,512 |
| Retained earnings to average equity (ytd only) | 0.6294% | 4,943 |
| Net charge-offs to loans | 0.3933% | 521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.0396% | 3,327 |
| Efficiency ratio | 96.7074% | 241 |
| Assets per employee ($millions) | 3.2573% | 5,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0961% | 39 |
| Loan loss allowance to noncurrent loans | 217.5797% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,556 |
| Noncurrent loans to loans | 2.3422% | 675 |
| Net loans and leases to total assets | 24.1486% | 5,645 |
| Net loans and leases to deposits | 29.1747% | 5,640 |
| Net loans and leases to core deposits | 29.6006% | 5,647 |
| Total domestic deposits to total assets | 82.7722% | 3,638 |
| Equity capital to assets | 16.7522% | 434 |
| Core capital (leverage) ratio | 16.7973% | 384 |
| Tier 1 risk-based capital ratio | 49.6712% | 123 |
| Total risk-based capital ratio | 50.9529% | 119 |
| Memoranda: | ||
| Average total assets | $214,703,330 | 2,811 |
| Average earning assets | $205,975,670 | 2,743 |
| Average equity | $33,366,000 | 2,171 |
| Average total loans | $51,356,330 | 4,481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7719% | 5,613 |
| Cost of funding earning assets | 0.1710% | 5,230 |
| Net interest margin | 2.6009% | 5,467 |
| Noninterest income to average assets | 0.4976% | 2,996 |
| Noninterest expense to average assets | 2.8216% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1713% | 5,430 |
| Return on assets (ROA) | 0.1713% | 5,442 |
| Pretax return on assets | 0.1713% | 5,463 |
| Return on Equity (ROE) | 1.1442% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.1442% | 4,605 |
| Net charge-offs to loans | 0.3063% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.4103% | 2,596 |
| Efficiency ratio | 94.2753% | 373 |
| Assets per employee ($millions) | 3.0572% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2129% | 38 |
| Loan loss allowance to noncurrent loans | 226.5391% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 2,701 |
| Noncurrent loans to loans | 2.3011% | 717 |
| Net loans and leases to total assets | 24.1725% | 5,698 |
| Net loans and leases to deposits | 29.0431% | 5,691 |
| Net loans and leases to core deposits | 29.4650% | 5,696 |
| Total domestic deposits to total assets | 83.2297% | 3,754 |
| Equity capital to assets | 16.2938% | 455 |
| Core capital (leverage) ratio | 15.4099% | 538 |
| Tier 1 risk-based capital ratio | 49.0923% | 136 |
| Total risk-based capital ratio | 50.3753% | 135 |
| Memoranda: | ||
| Average total assets | $219,450,500 | 2,797 |
| Average earning assets | $210,544,500 | 2,718 |
| Average equity | $32,860,500 | 2,202 |
| Average total loans | $50,926,500 | 4,532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6480% | 5,711 |
| Cost of funding earning assets | 0.1688% | 5,292 |
| Net interest margin | 2.4792% | 5,597 |
| Noninterest income to average assets | 0.5656% | 2,836 |
| Noninterest expense to average assets | 3.0326% | 2,243 |
| Loan and lease loss provision to assets | -0.4584% | 5,872 |
| Net operating income to assets | 0.3612% | 5,053 |
| Return on assets (ROA) | 0.4084% | 4,994 |
| Pretax return on assets | 0.4084% | 5,217 |
| Return on Equity (ROE) | 2.5809% | 5,273 |
| Retained earnings to average equity (ytd only) | 2.4593% | 4,126 |
| Net charge-offs to loans | -0.2272% | 5,762 |
| Credit loss provision to net charge-offs | 884.9558% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3104% | 185 |
| Assets per employee ($millions) | 3.4422% | 4,840 |
| Cash dividends to net income (ytd only)* | 4.7138% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5666% | 32 |
| Loan loss allowance to noncurrent loans | 199.4224% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,766 |
| Noncurrent loans to loans | 2.7914% | 524 |
| Net loans and leases to total assets | 20.0176% | 5,801 |
| Net loans and leases to deposits | 23.3474% | 5,807 |
| Net loans and leases to core deposits | 23.6677% | 5,812 |
| Total domestic deposits to total assets | 85.7380% | 2,703 |
| Equity capital to assets | 13.8190% | 951 |
| Core capital (leverage) ratio | 16.0782% | 452 |
| Tier 1 risk-based capital ratio | 50.7233% | 130 |
| Total risk-based capital ratio | 52.0079% | 130 |
| Memoranda: | ||
| Average total assets | $218,165,800 | 2,777 |
| Average earning assets | $208,538,000 | 2,711 |
| Average equity | $34,522,200 | 2,108 |
| Average total loans | $49,743,200 | 4,583 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7434% | 5,742 |
| Cost of funding earning assets | 0.1720% | 5,330 |
| Net interest margin | 2.5714% | 5,607 |
| Noninterest income to average assets | 0.6424% | 2,466 |
| Noninterest expense to average assets | 3.0857% | 2,068 |
| Loan and lease loss provision to assets | -0.6225% | 5,953 |
| Net operating income to assets | 0.6356% | 4,148 |
| Return on assets (ROA) | 0.6997% | 3,979 |
| Pretax return on assets | 0.6997% | 4,610 |
| Return on Equity (ROE) | 4.2737% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.2737% | 3,281 |
| Net charge-offs to loans | -0.1393% | 5,675 |
| Credit loss provision to net charge-offs | 1,923.0769% | 244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5781% | 233 |
| Assets per employee ($millions) | 2.9516% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4560% | 36 |
| Loan loss allowance to noncurrent loans | 188.7491% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 2,701 |
| Noncurrent loans to loans | 2.8906% | 542 |
| Net loans and leases to total assets | 22.0238% | 5,843 |
| Net loans and leases to deposits | 26.7562% | 5,843 |
| Net loans and leases to core deposits | 27.2189% | 5,851 |
| Total domestic deposits to total assets | 82.3129% | 3,837 |
| Equity capital to assets | 17.1841% | 416 |
| Core capital (leverage) ratio | 16.5168% | 413 |
| Tier 1 risk-based capital ratio | 52.7647% | 118 |
| Total risk-based capital ratio | 54.0504% | 118 |
| Memoranda: | ||
| Average total assets | $214,190,000 | 2,824 |
| Average earning assets | $204,606,250 | 2,754 |
| Average equity | $35,066,250 | 2,086 |
| Average total loans | $49,774,750 | 4,621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8140% | 5,796 |
| Cost of funding earning assets | 0.1718% | 5,394 |
| Net interest margin | 2.6423% | 5,626 |
| Noninterest income to average assets | 0.7637% | 1,872 |
| Noninterest expense to average assets | 3.0492% | 2,212 |
| Loan and lease loss provision to assets | -0.2328% | 5,949 |
| Net operating income to assets | 0.4685% | 4,808 |
| Return on assets (ROA) | 0.4889% | 4,823 |
| Pretax return on assets | 0.4889% | 5,152 |
| Return on Equity (ROE) | 3.0363% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.0363% | 3,982 |
| Net charge-offs to loans | -0.4532% | 5,931 |
| Credit loss provision to net charge-offs | 221.2389% | 1,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8268% | 458 |
| Assets per employee ($millions) | 2.9696% | 5,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0744% | 13 |
| Loan loss allowance to noncurrent loans | 240.2189% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 2,390 |
| Noncurrent loans to loans | 2.9450% | 512 |
| Net loans and leases to total assets | 22.1923% | 5,913 |
| Net loans and leases to deposits | 26.9415% | 5,915 |
| Net loans and leases to core deposits | 27.4202% | 5,921 |
| Total domestic deposits to total assets | 82.3720% | 3,885 |
| Equity capital to assets | 17.1710% | 409 |
| Core capital (leverage) ratio | 16.5588% | 396 |
| Tier 1 risk-based capital ratio | 50.2065% | 130 |
| Total risk-based capital ratio | 51.5051% | 129 |
| Memoranda: | ||
| Average total assets | $214,748,000 | 2,834 |
| Average earning assets | $204,900,670 | 2,764 |
| Average equity | $34,582,000 | 2,113 |
| Average total loans | $49,864,670 | 4,652 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7497% | 5,880 |
| Cost of funding earning assets | 0.1769% | 5,401 |
| Net interest margin | 2.5728% | 5,745 |
| Noninterest income to average assets | 1.0175% | 1,037 |
| Noninterest expense to average assets | 3.0525% | 2,233 |
| Loan and lease loss provision to assets | -0.4583% | 6,079 |
| Net operating income to assets | 0.8763% | 2,869 |
| Return on assets (ROA) | 0.9167% | 2,786 |
| Pretax return on assets | 0.9167% | 3,782 |
| Return on Equity (ROE) | 5.8779% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.8779% | 2,431 |
| Net charge-offs to loans | 0.2801% | 755 |
| Credit loss provision to net charge-offs | -714.2857% | 4,660 |
| Earnings coverage of net charge-offs (x) | 6.5143% | 2,239 |
| Efficiency ratio | 87.9556% | 821 |
| Assets per employee ($millions) | 2.8563% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8004% | 20 |
| Loan loss allowance to noncurrent loans | 239.0903% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.9399% | 2,359 |
| Noncurrent loans to loans | 2.8443% | 596 |
| Net loans and leases to total assets | 22.4187% | 5,966 |
| Net loans and leases to deposits | 27.1734% | 5,961 |
| Net loans and leases to core deposits | 27.9164% | 5,963 |
| Total domestic deposits to total assets | 82.5023% | 4,066 |
| Equity capital to assets | 16.9998% | 417 |
| Core capital (leverage) ratio | 15.4582% | 537 |
| Tier 1 risk-based capital ratio | 50.5388% | 129 |
| Total risk-based capital ratio | 51.8349% | 126 |
| Memoranda: | ||
| Average total assets | $218,185,000 | 2,800 |
| Average earning assets | $208,024,000 | 2,741 |
| Average equity | $34,026,000 | 2,144 |
| Average total loans | $49,975,000 | 4,677 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7055% | 5,930 |
| Cost of funding earning assets | 0.1815% | 5,441 |
| Net interest margin | 2.5240% | 5,815 |
| Noninterest income to average assets | 0.2990% | 4,744 |
| Noninterest expense to average assets | 3.1299% | 2,147 |
| Loan and lease loss provision to assets | -0.4469% | 6,112 |
| Net operating income to assets | 0.0152% | 5,858 |
| Return on assets (ROA) | 0.0152% | 5,884 |
| Pretax return on assets | 0.0152% | 5,877 |
| Return on Equity (ROE) | 0.1017% | 5,886 |
| Retained earnings to average equity (ytd only) | 0.1017% | 5,467 |
| Net charge-offs to loans | -0.5138% | 6,085 |
| Credit loss provision to net charge-offs | 354.6099% | 842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9987% | 106 |
| Assets per employee ($millions) | 2.9205% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2283% | 15 |
| Loan loss allowance to noncurrent loans | 240.3821% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9938% | 2,210 |
| Noncurrent loans to loans | 3.0070% | 534 |
| Net loans and leases to total assets | 20.2986% | 6,046 |
| Net loans and leases to deposits | 23.8540% | 6,051 |
| Net loans and leases to core deposits | 24.4169% | 6,058 |
| Total domestic deposits to total assets | 85.0954% | 3,047 |
| Equity capital to assets | 14.3429% | 817 |
| Core capital (leverage) ratio | 15.6261% | 514 |
| Tier 1 risk-based capital ratio | 49.0403% | 133 |
| Total risk-based capital ratio | 50.3420% | 132 |
| Memoranda: | ||
| Average total assets | $223,777,600 | 2,714 |
| Average earning assets | $212,717,800 | 2,652 |
| Average equity | $33,431,400 | 2,125 |
| Average total loans | $54,881,600 | 4,531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7572% | 5,990 |
| Cost of funding earning assets | 0.1852% | 5,501 |
| Net interest margin | 2.5720% | 5,864 |
| Noninterest income to average assets | 0.3795% | 4,218 |
| Noninterest expense to average assets | 3.2377% | 1,859 |
| Loan and lease loss provision to assets | -0.4504% | 6,196 |
| Net operating income to assets | 0.0360% | 5,906 |
| Return on assets (ROA) | 0.0360% | 5,950 |
| Pretax return on assets | 0.0360% | 5,944 |
| Return on Equity (ROE) | 0.2387% | 5,950 |
| Retained earnings to average equity (ytd only) | 0.2387% | 5,538 |
| Net charge-offs to loans | -1.1027% | 6,213 |
| Credit loss provision to net charge-offs | 161.9870% | 1,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6746% | 118 |
| Assets per employee ($millions) | 2.8224% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8710% | 11 |
| Loan loss allowance to noncurrent loans | 230.6388% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 2,027 |
| Noncurrent loans to loans | 3.4127% | 472 |
| Net loans and leases to total assets | 22.5606% | 6,113 |
| Net loans and leases to deposits | 27.2664% | 6,113 |
| Net loans and leases to core deposits | 28.1149% | 6,113 |
| Total domestic deposits to total assets | 82.7413% | 3,902 |
| Equity capital to assets | 16.1910% | 532 |
| Core capital (leverage) ratio | 15.6964% | 532 |
| Tier 1 risk-based capital ratio | 49.0382% | 143 |
| Total risk-based capital ratio | 50.3476% | 140 |
| Memoranda: | ||
| Average total assets | $222,042,000 | 2,758 |
| Average earning assets | $210,981,000 | 2,688 |
| Average equity | $33,516,250 | 2,128 |
| Average total loans | $55,981,500 | 4,539 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7675% | 6,046 |
| Cost of funding earning assets | 0.1851% | 5,571 |
| Net interest margin | 2.5824% | 5,897 |
| Noninterest income to average assets | 0.4364% | 3,807 |
| Noninterest expense to average assets | 3.3038% | 1,693 |
| Loan and lease loss provision to assets | -0.2217% | 6,193 |
| Net operating income to assets | -0.1951% | 6,101 |
| Return on assets (ROA) | -0.1951% | 6,124 |
| Pretax return on assets | -0.1951% | 6,106 |
| Return on Equity (ROE) | -1.3228% | 6,098 |
| Retained earnings to average equity (ytd only) | -1.3228% | 5,744 |
| Net charge-offs to loans | -1.7328% | 6,295 |
| Credit loss provision to net charge-offs | 50.3018% | 2,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4393% | 136 |
| Assets per employee ($millions) | 2.9382% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4605% | 11 |
| Loan loss allowance to noncurrent loans | 551.9139% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.8655% | 2,818 |
| Noncurrent loans to loans | 1.5329% | 1,728 |
| Net loans and leases to total assets | 23.5983% | 6,165 |
| Net loans and leases to deposits | 28.5953% | 6,157 |
| Net loans and leases to core deposits | 29.5323% | 6,164 |
| Total domestic deposits to total assets | 82.5251% | 4,118 |
| Equity capital to assets | 15.4314% | 618 |
| Core capital (leverage) ratio | 15.6678% | 518 |
| Tier 1 risk-based capital ratio | 47.3637% | 172 |
| Total risk-based capital ratio | 48.6794% | 169 |
| Memoranda: | ||
| Average total assets | $225,496,330 | 2,744 |
| Average earning assets | $213,984,000 | 2,678 |
| Average equity | $33,264,000 | 2,155 |
| Average total loans | $57,363,330 | 4,529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6680% | 6,143 |
| Cost of funding earning assets | 0.1832% | 5,661 |
| Net interest margin | 2.4848% | 6,036 |
| Noninterest income to average assets | 0.5179% | 3,166 |
| Noninterest expense to average assets | 3.2451% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3699% | 6,209 |
| Return on assets (ROA) | -0.3699% | 6,224 |
| Pretax return on assets | -0.3699% | 6,210 |
| Return on Equity (ROE) | -2.5615% | 6,200 |
| Retained earnings to average equity (ytd only) | -2.5615% | 5,753 |
| Net charge-offs to loans | 0.0612% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -23.8889% | 3,264 |
| Efficiency ratio | 112.8665% | 174 |
| Assets per employee ($millions) | 2.9620% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5710% | 15 |
| Loan loss allowance to noncurrent loans | 297.0688% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 2,268 |
| Noncurrent loans to loans | 2.5486% | 950 |
| Net loans and leases to total assets | 24.6060% | 6,202 |
| Net loans and leases to deposits | 29.9057% | 6,200 |
| Net loans and leases to core deposits | 30.8662% | 6,204 |
| Total domestic deposits to total assets | 82.2786% | 4,425 |
| Equity capital to assets | 15.7425% | 581 |
| Core capital (leverage) ratio | 14.5139% | 688 |
| Tier 1 risk-based capital ratio | 45.2791% | 191 |
| Total risk-based capital ratio | 46.5874% | 186 |
| Memoranda: | ||
| Average total assets | $232,470,000 | 2,700 |
| Average earning assets | $220,541,000 | 2,637 |
| Average equity | $33,573,500 | 2,144 |
| Average total loans | $58,777,000 | 4,525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8021% | 6,201 |
| Cost of funding earning assets | 0.1963% | 5,776 |
| Net interest margin | 2.6057% | 6,062 |
| Noninterest income to average assets | -0.1257% | 6,460 |
| Noninterest expense to average assets | 4.1215% | 667 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.7990% | 6,450 |
| Return on assets (ROA) | -1.6538% | 6,442 |
| Pretax return on assets | -1.6538% | 6,430 |
| Return on Equity (ROE) | -11.9721% | 6,383 |
| Retained earnings to average equity (ytd only) | -11.9721% | 6,345 |
| Net charge-offs to loans | 0.6040% | 659 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -10.1636% | 4,915 |
| Efficiency ratio | 177.4573% | 32 |
| Assets per employee ($millions) | 3.4071% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2793% | 20 |
| Loan loss allowance to noncurrent loans | 262.4399% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 2,345 |
| Noncurrent loans to loans | 2.7737% | 859 |
| Net loans and leases to total assets | 22.3649% | 6,340 |
| Net loans and leases to deposits | 26.0681% | 6,346 |
| Net loans and leases to core deposits | 26.7213% | 6,347 |
| Total domestic deposits to total assets | 85.7938% | 2,950 |
| Equity capital to assets | 13.3116% | 1,225 |
| Core capital (leverage) ratio | 14.7336% | 660 |
| Tier 1 risk-based capital ratio | 42.3696% | 207 |
| Total risk-based capital ratio | 43.6725% | 202 |
| Memoranda: | ||
| Average total assets | $241,807,600 | 2,601 |
| Average earning assets | $227,190,000 | 2,551 |
| Average equity | $33,402,800 | 2,083 |
| Average total loans | $70,863,600 | 4,153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8417% | 6,254 |
| Cost of funding earning assets | 0.2020% | 5,808 |
| Net interest margin | 2.6396% | 6,087 |
| Noninterest income to average assets | -0.0283% | 6,502 |
| Noninterest expense to average assets | 4.3956% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.9499% | 6,526 |
| Return on assets (ROA) | -1.7549% | 6,516 |
| Pretax return on assets | -1.7549% | 6,507 |
| Return on Equity (ROE) | -12.5856% | 6,475 |
| Retained earnings to average equity (ytd only) | -12.5856% | 6,423 |
| Net charge-offs to loans | 0.3044% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -20.8992% | 4,654 |
| Efficiency ratio | 179.7230% | 29 |
| Assets per employee ($millions) | 2.9228% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2016% | 30 |
| Loan loss allowance to noncurrent loans | 120.1506% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 2.5540% | 1,012 |
| Noncurrent loans to loans | 5.9938% | 236 |
| Net loans and leases to total assets | 26.4926% | 6,347 |
| Net loans and leases to deposits | 31.6859% | 6,348 |
| Net loans and leases to core deposits | 32.6388% | 6,349 |
| Total domestic deposits to total assets | 83.6102% | 3,912 |
| Equity capital to assets | 14.3969% | 880 |
| Core capital (leverage) ratio | 14.9839% | 620 |
| Tier 1 risk-based capital ratio | 40.7936% | 229 |
| Total risk-based capital ratio | 42.0962% | 224 |
| Memoranda: | ||
| Average total assets | $240,080,500 | 2,628 |
| Average earning assets | $225,026,500 | 2,588 |
| Average equity | $33,476,500 | 2,085 |
| Average total loans | $73,581,500 | 4,102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8324% | 6,319 |
| Cost of funding earning assets | 0.2016% | 5,897 |
| Net interest margin | 2.6307% | 6,135 |
| Noninterest income to average assets | -0.2203% | 6,626 |
| Noninterest expense to average assets | 4.7240% | 382 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.4848% | 6,611 |
| Return on assets (ROA) | -2.1959% | 6,602 |
| Pretax return on assets | -2.1959% | 6,595 |
| Return on Equity (ROE) | -15.9066% | 6,558 |
| Retained earnings to average equity (ytd only) | -15.9066% | 6,509 |
| Net charge-offs to loans | 0.3651% | 1,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -21.7500% | 4,338 |
| Efficiency ratio | 210.9694% | 18 |
| Assets per employee ($millions) | 2.9281% | 5,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6419% | 36 |
| Loan loss allowance to noncurrent loans | 97.4257% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 3.2409% | 759 |
| Noncurrent loans to loans | 6.8174% | 186 |
| Net loans and leases to total assets | 28.6482% | 6,342 |
| Net loans and leases to deposits | 33.8673% | 6,350 |
| Net loans and leases to core deposits | 34.8607% | 6,357 |
| Total domestic deposits to total assets | 84.5896% | 3,691 |
| Equity capital to assets | 14.4056% | 845 |
| Core capital (leverage) ratio | 15.0095% | 609 |
| Tier 1 risk-based capital ratio | 38.6802% | 268 |
| Total risk-based capital ratio | 39.9792% | 265 |
| Memoranda: | ||
| Average total assets | $245,089,000 | 2,586 |
| Average earning assets | $229,136,670 | 2,554 |
| Average equity | $33,835,000 | 2,052 |
| Average total loans | $76,692,000 | 4,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7904% | 6,409 |
| Cost of funding earning assets | 0.1997% | 6,003 |
| Net interest margin | 2.5907% | 6,249 |
| Noninterest income to average assets | 0.0884% | 6,370 |
| Noninterest expense to average assets | 3.6648% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1600% | 6,596 |
| Return on assets (ROA) | -1.1600% | 6,592 |
| Pretax return on assets | -1.1600% | 6,584 |
| Return on Equity (ROE) | -8.5709% | 6,541 |
| Retained earnings to average equity (ytd only) | -8.5709% | 6,308 |
| Net charge-offs to loans | 0.2500% | 1,326 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -14.7000% | 3,612 |
| Efficiency ratio | 146.3138% | 71 |
| Assets per employee ($millions) | 2.9418% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3320% | 40 |
| Loan loss allowance to noncurrent loans | 101.0434% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 4.4866% | 488 |
| Noncurrent loans to loans | 6.2666% | 276 |
| Net loans and leases to total assets | 30.5901% | 6,326 |
| Net loans and leases to deposits | 36.1090% | 6,314 |
| Net loans and leases to core deposits | 37.2101% | 6,331 |
| Total domestic deposits to total assets | 84.7159% | 3,992 |
| Equity capital to assets | 14.8967% | 698 |
| Core capital (leverage) ratio | 14.6938% | 649 |
| Tier 1 risk-based capital ratio | 38.1868% | 271 |
| Total risk-based capital ratio | 39.4831% | 263 |
| Memoranda: | ||
| Average total assets | $253,438,000 | 2,525 |
| Average earning assets | $236,381,000 | 2,486 |
| Average equity | $34,302,000 | 2,017 |
| Average total loans | $79,995,500 | 3,932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7540% | 6,518 |
| Cost of funding earning assets | 0.2317% | 6,084 |
| Net interest margin | 2.5223% | 6,354 |
| Noninterest income to average assets | -0.1336% | 6,736 |
| Noninterest expense to average assets | 3.4492% | 1,768 |
| Loan and lease loss provision to assets | 1.2148% | 131 |
| Net operating income to assets | -2.4579% | 6,734 |
| Return on assets (ROA) | -2.4154% | 6,734 |
| Pretax return on assets | -2.4154% | 6,729 |
| Return on Equity (ROE) | -16.2979% | 6,660 |
| Retained earnings to average equity (ytd only) | -16.2979% | 6,637 |
| Net charge-offs to loans | 1.8669% | 213 |
| Credit loss provision to net charge-offs | 185.4701% | 1,231 |
| Earnings coverage of net charge-offs (x) | -1.8980% | 5,319 |
| Efficiency ratio | 156.3526% | 61 |
| Assets per employee ($millions) | 3.4677% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6376% | 59 |
| Loan loss allowance to noncurrent loans | 74.1342% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 4.5798% | 541 |
| Noncurrent loans to loans | 7.6046% | 210 |
| Net loans and leases to total assets | 28.9309% | 6,497 |
| Net loans and leases to deposits | 33.1704% | 6,505 |
| Net loans and leases to core deposits | 34.0209% | 6,520 |
| Total domestic deposits to total assets | 87.2192% | 2,616 |
| Equity capital to assets | 12.4081% | 1,562 |
| Core capital (leverage) ratio | 14.4734% | 697 |
| Tier 1 risk-based capital ratio | 34.9514% | 334 |
| Total risk-based capital ratio | 36.2413% | 323 |
| Memoranda: | ||
| Average total assets | $267,949,600 | 2,370 |
| Average earning assets | $248,545,000 | 2,343 |
| Average equity | $39,710,600 | 1,757 |
| Average total loans | $94,004,000 | 3,600 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7786% | 6,581 |
| Cost of funding earning assets | 0.2428% | 6,133 |
| Net interest margin | 2.5358% | 6,398 |
| Noninterest income to average assets | 0.0798% | 6,540 |
| Noninterest expense to average assets | 3.2818% | 2,115 |
| Loan and lease loss provision to assets | 1.6341% | 68 |
| Net operating income to assets | -2.4875% | 6,821 |
| Return on assets (ROA) | -2.4399% | 6,820 |
| Pretax return on assets | -2.4399% | 6,816 |
| Return on Equity (ROE) | -15.7919% | 6,738 |
| Retained earnings to average equity (ytd only) | -15.7919% | 6,715 |
| Net charge-offs to loans | 1.4436% | 333 |
| Credit loss provision to net charge-offs | 312.3800% | 819 |
| Earnings coverage of net charge-offs (x) | -1.6315% | 5,059 |
| Efficiency ratio | 135.1458% | 107 |
| Assets per employee ($millions) | 3.0495% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2353% | 43 |
| Loan loss allowance to noncurrent loans | 81.6121% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 6.3727% | 351 |
| Noncurrent loans to loans | 7.6401% | 244 |
| Net loans and leases to total assets | 32.7241% | 6,419 |
| Net loans and leases to deposits | 38.4039% | 6,432 |
| Net loans and leases to core deposits | 39.5765% | 6,460 |
| Total domestic deposits to total assets | 85.2104% | 3,624 |
| Equity capital to assets | 14.4376% | 841 |
| Core capital (leverage) ratio | 15.3967% | 580 |
| Tier 1 risk-based capital ratio | 34.3039% | 362 |
| Total risk-based capital ratio | 35.5985% | 350 |
| Memoranda: | ||
| Average total assets | $265,583,000 | 2,400 |
| Average earning assets | $245,966,500 | 2,381 |
| Average equity | $41,032,750 | 1,714 |
| Average total loans | $96,241,500 | 3,571 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7436% | 6,635 |
| Cost of funding earning assets | 0.2472% | 6,192 |
| Net interest margin | 2.4963% | 6,456 |
| Noninterest income to average assets | 0.3670% | 4,772 |
| Noninterest expense to average assets | 3.2394% | 2,240 |
| Loan and lease loss provision to assets | 2.2281% | 42 |
| Net operating income to assets | -2.7797% | 6,890 |
| Return on assets (ROA) | -2.6981% | 6,889 |
| Pretax return on assets | -2.6981% | 6,883 |
| Return on Equity (ROE) | -17.1129% | 6,807 |
| Retained earnings to average equity (ytd only) | -17.1129% | 6,774 |
| Net charge-offs to loans | 1.0923% | 551 |
| Credit loss provision to net charge-offs | 556.4815% | 512 |
| Earnings coverage of net charge-offs (x) | -1.3778% | 4,738 |
| Efficiency ratio | 120.5241% | 180 |
| Assets per employee ($millions) | 3.0718% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9648% | 64 |
| Loan loss allowance to noncurrent loans | 58.2289% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 6.5159% | 385 |
| Noncurrent loans to loans | 10.2438% | 148 |
| Net loans and leases to total assets | 35.6155% | 6,322 |
| Net loans and leases to deposits | 42.1804% | 6,316 |
| Net loans and leases to core deposits | 43.4424% | 6,353 |
| Total domestic deposits to total assets | 84.4361% | 4,152 |
| Equity capital to assets | 15.0564% | 702 |
| Core capital (leverage) ratio | 15.4230% | 539 |
| Tier 1 risk-based capital ratio | 34.6649% | 346 |
| Total risk-based capital ratio | 35.9610% | 342 |
| Memoranda: | ||
| Average total assets | $269,740,670 | 2,376 |
| Average earning assets | $250,766,330 | 2,340 |
| Average equity | $42,529,330 | 1,659 |
| Average total loans | $98,876,670 | 3,520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6990% | 6,733 |
| Cost of funding earning assets | 0.2520% | 6,276 |
| Net interest margin | 2.4470% | 6,558 |
| Noninterest income to average assets | 0.4041% | 4,423 |
| Noninterest expense to average assets | 3.0224% | 2,914 |
| Loan and lease loss provision to assets | 0.2959% | 1,180 |
| Net operating income to assets | -0.6437% | 6,724 |
| Return on assets (ROA) | -0.6437% | 6,742 |
| Pretax return on assets | -0.6437% | 6,715 |
| Return on Equity (ROE) | -4.0000% | 6,648 |
| Retained earnings to average equity (ytd only) | -4.0000% | 6,274 |
| Net charge-offs to loans | 1.1836% | 494 |
| Credit loss provision to net charge-offs | 69.2568% | 2,307 |
| Earnings coverage of net charge-offs (x) | -0.8142% | 3,952 |
| Efficiency ratio | 113.0059% | 287 |
| Assets per employee ($millions) | 3.1190% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2131% | 540 |
| Loan loss allowance to noncurrent loans | 33.6838% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 6.6761% | 440 |
| Noncurrent loans to loans | 9.5389% | 235 |
| Net loans and leases to total assets | 36.8384% | 6,240 |
| Net loans and leases to deposits | 44.5697% | 6,155 |
| Net loans and leases to core deposits | 46.0934% | 6,207 |
| Total domestic deposits to total assets | 82.6534% | 4,970 |
| Equity capital to assets | 16.9108% | 433 |
| Core capital (leverage) ratio | 16.0893% | 440 |
| Tier 1 risk-based capital ratio | 35.4329% | 333 |
| Total risk-based capital ratio | 36.7001% | 328 |
| Memoranda: | ||
| Average total assets | $277,130,000 | 2,332 |
| Average earning assets | $257,132,000 | 2,312 |
| Average equity | $44,600,000 | 1,606 |
| Average total loans | $100,032,000 | 3,503 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1050% | 6,724 |
| Cost of funding earning assets | 0.3602% | 6,161 |
| Net interest margin | 2.7448% | 6,458 |
| Noninterest income to average assets | -0.3880% | 7,016 |
| Noninterest expense to average assets | 2.7994% | 4,023 |
| Loan and lease loss provision to assets | 0.1879% | 3,293 |
| Net operating income to assets | -0.8579% | 6,692 |
| Return on assets (ROA) | -0.8321% | 6,708 |
| Pretax return on assets | -0.8321% | 6,685 |
| Return on Equity (ROE) | -5.0125% | 6,593 |
| Retained earnings to average equity (ytd only) | -5.0125% | 6,425 |
| Net charge-offs to loans | 1.3230% | 727 |
| Credit loss provision to net charge-offs | 35.2823% | 5,016 |
| Earnings coverage of net charge-offs (x) | -1.2581% | 5,781 |
| Efficiency ratio | 131.4622% | 154 |
| Assets per employee ($millions) | 3.5213% | 4,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2836% | 513 |
| Loan loss allowance to noncurrent loans | 83.5658% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 4.3433% | 963 |
| Noncurrent loans to loans | 3.9294% | 1,212 |
| Net loans and leases to total assets | 33.2063% | 6,583 |
| Net loans and leases to deposits | 39.5482% | 6,572 |
| Net loans and leases to core deposits | 40.6624% | 6,593 |
| Total domestic deposits to total assets | 83.9640% | 4,330 |
| Equity capital to assets | 15.3610% | 667 |
| Core capital (leverage) ratio | 15.9472% | 464 |
| Tier 1 risk-based capital ratio | 35.8658% | 322 |
| Total risk-based capital ratio | 37.1337% | 314 |
| Memoranda: | ||
| Average total assets | $279,415,600 | 2,277 |
| Average earning assets | $256,264,800 | 2,267 |
| Average equity | $46,384,400 | 1,503 |
| Average total loans | $112,470,200 | 3,243 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2169% | 6,787 |
| Cost of funding earning assets | 0.3896% | 6,176 |
| Net interest margin | 2.8273% | 6,465 |
| Noninterest income to average assets | -0.1033% | 7,027 |
| Noninterest expense to average assets | 2.7752% | 4,070 |
| Loan and lease loss provision to assets | 0.2293% | 2,763 |
| Net operating income to assets | -0.5228% | 6,709 |
| Return on assets (ROA) | -0.4880% | 6,728 |
| Pretax return on assets | -0.4880% | 6,702 |
| Return on Equity (ROE) | -2.8829% | 6,618 |
| Retained earnings to average equity (ytd only) | -2.8829% | 6,475 |
| Net charge-offs to loans | 1.6807% | 488 |
| Credit loss provision to net charge-offs | 32.6236% | 4,756 |
| Earnings coverage of net charge-offs (x) | -0.4176% | 5,475 |
| Efficiency ratio | 111.8265% | 277 |
| Assets per employee ($millions) | 3.0713% | 5,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0402% | 685 |
| Loan loss allowance to noncurrent loans | 80.0440% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 5.4822% | 778 |
| Noncurrent loans to loans | 3.7982% | 1,393 |
| Net loans and leases to total assets | 38.6685% | 6,379 |
| Net loans and leases to deposits | 46.9249% | 6,321 |
| Net loans and leases to core deposits | 48.6344% | 6,372 |
| Total domestic deposits to total assets | 82.4051% | 4,872 |
| Equity capital to assets | 17.2123% | 430 |
| Core capital (leverage) ratio | 16.6257% | 412 |
| Tier 1 risk-based capital ratio | 35.2825% | 348 |
| Total risk-based capital ratio | 36.5490% | 340 |
| Memoranda: | ||
| Average total assets | $276,202,750 | 2,322 |
| Average earning assets | $252,535,000 | 2,326 |
| Average equity | $46,756,750 | 1,510 |
| Average total loans | $115,501,250 | 3,213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2999% | 6,812 |
| Cost of funding earning assets | 0.4142% | 6,196 |
| Net interest margin | 2.8857% | 6,448 |
| Noninterest income to average assets | -0.0302% | 7,035 |
| Noninterest expense to average assets | 2.6666% | 4,549 |
| Loan and lease loss provision to assets | 0.1258% | 3,949 |
| Net operating income to assets | -0.1876% | 6,527 |
| Return on assets (ROA) | -0.1359% | 6,563 |
| Pretax return on assets | -0.1359% | 6,544 |
| Return on Equity (ROE) | -0.8071% | 6,527 |
| Retained earnings to average equity (ytd only) | -0.8071% | 6,180 |
| Net charge-offs to loans | 0.3269% | 2,727 |
| Credit loss provision to net charge-offs | 90.6736% | 3,029 |
| Earnings coverage of net charge-offs (x) | -0.4456% | 5,222 |
| Efficiency ratio | 102.3737% | 482 |
| Assets per employee ($millions) | 3.3121% | 5,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7362% | 411 |
| Loan loss allowance to noncurrent loans | 99.1813% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 5.5837% | 791 |
| Noncurrent loans to loans | 3.7670% | 1,495 |
| Net loans and leases to total assets | 40.2238% | 6,322 |
| Net loans and leases to deposits | 48.8792% | 6,257 |
| Net loans and leases to core deposits | 50.9555% | 6,302 |
| Total domestic deposits to total assets | 82.2923% | 5,018 |
| Equity capital to assets | 17.3672% | 399 |
| Core capital (leverage) ratio | 17.1865% | 345 |
| Tier 1 risk-based capital ratio | 33.1456% | 401 |
| Total risk-based capital ratio | 34.4182% | 392 |
| Memoranda: | ||
| Average total assets | $278,178,000 | 2,310 |
| Average earning assets | $254,007,670 | 2,320 |
| Average equity | $46,835,330 | 1,489 |
| Average total loans | $118,072,000 | 3,179 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2870% | 6,897 |
| Cost of funding earning assets | 0.4426% | 6,192 |
| Net interest margin | 2.8444% | 6,563 |
| Noninterest income to average assets | -0.2260% | 7,204 |
| Noninterest expense to average assets | 2.6987% | 4,428 |
| Loan and lease loss provision to assets | 0.1066% | 4,014 |
| Net operating income to assets | -0.4192% | 6,783 |
| Return on assets (ROA) | -0.3595% | 6,781 |
| Pretax return on assets | -0.3595% | 6,759 |
| Return on Equity (ROE) | -2.1685% | 6,699 |
| Retained earnings to average equity (ytd only) | -2.1685% | 6,301 |
| Net charge-offs to loans | 0.5085% | 1,815 |
| Credit loss provision to net charge-offs | 49.0196% | 3,305 |
| Earnings coverage of net charge-offs (x) | -1.4379% | 4,588 |
| Efficiency ratio | 113.1030% | 299 |
| Assets per employee ($millions) | 3.4435% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5314% | 524 |
| Loan loss allowance to noncurrent loans | 96.5135% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 5.8724% | 811 |
| Noncurrent loans to loans | 3.6589% | 1,694 |
| Net loans and leases to total assets | 42.5131% | 6,146 |
| Net loans and leases to deposits | 51.5649% | 6,022 |
| Net loans and leases to core deposits | 54.1068% | 6,049 |
| Total domestic deposits to total assets | 82.4457% | 5,146 |
| Equity capital to assets | 17.2323% | 398 |
| Core capital (leverage) ratio | 16.7174% | 390 |
| Tier 1 risk-based capital ratio | 32.2153% | 426 |
| Total risk-based capital ratio | 33.4926% | 419 |
| Memoranda: | ||
| Average total assets | $281,470,500 | 2,305 |
| Average earning assets | $258,469,500 | 2,292 |
| Average equity | $46,669,000 | 1,490 |
| Average total loans | $120,365,500 | 3,147 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9771% | 6,496 |
| Cost of funding earning assets | 0.6384% | 5,881 |
| Net interest margin | 3.3387% | 5,687 |
| Noninterest income to average assets | 0.4319% | 4,361 |
| Noninterest expense to average assets | 3.7909% | 1,363 |
| Loan and lease loss provision to assets | 0.4223% | 2,481 |
| Net operating income to assets | -0.9274% | 6,712 |
| Return on assets (ROA) | -0.9557% | 6,748 |
| Pretax return on assets | -0.9557% | 6,711 |
| Return on Equity (ROE) | -5.7828% | 6,567 |
| Retained earnings to average equity (ytd only) | -6.4436% | 6,538 |
| Net charge-offs to loans | 1.1709% | 1,444 |
| Credit loss provision to net charge-offs | 76.8983% | 4,602 |
| Earnings coverage of net charge-offs (x) | -0.9196% | 6,179 |
| Efficiency ratio | 115.3705% | 349 |
| Assets per employee ($millions) | 3.3448% | 5,389 |
| Cash dividends to net income (ytd only)* | -11.4275% | 7,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4798% | 543 |
| Loan loss allowance to noncurrent loans | 93.5208% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 5.5819% | 909 |
| Noncurrent loans to loans | 3.7209% | 1,693 |
| Net loans and leases to total assets | 40.1245% | 6,538 |
| Net loans and leases to deposits | 47.9525% | 6,495 |
| Net loans and leases to core deposits | 50.1819% | 6,523 |
| Total domestic deposits to total assets | 83.6757% | 4,458 |
| Equity capital to assets | 15.9856% | 580 |
| Core capital (leverage) ratio | 16.6833% | 394 |
| Tier 1 risk-based capital ratio | 31.5897% | 442 |
| Total risk-based capital ratio | 32.8607% | 433 |
| Memoranda: | ||
| Average total assets | $282,943,200 | 2,241 |
| Average earning assets | $241,861,600 | 2,387 |
| Average equity | $46,759,400 | 1,459 |
| Average total loans | $132,720,000 | 2,941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2073% | 6,190 |
| Cost of funding earning assets | 0.6940% | 5,806 |
| Net interest margin | 3.5133% | 5,133 |
| Noninterest income to average assets | 0.5431% | 3,564 |
| Noninterest expense to average assets | 4.0490% | 952 |
| Loan and lease loss provision to assets | 0.4974% | 1,997 |
| Net operating income to assets | -1.0611% | 6,910 |
| Return on assets (ROA) | -1.0991% | 6,947 |
| Pretax return on assets | -1.0991% | 6,909 |
| Return on Equity (ROE) | -6.5942% | 6,747 |
| Retained earnings to average equity (ytd only) | -7.4767% | 6,736 |
| Net charge-offs to loans | 1.5027% | 965 |
| Credit loss provision to net charge-offs | 68.5246% | 4,531 |
| Earnings coverage of net charge-offs (x) | -0.7764% | 5,898 |
| Efficiency ratio | 116.1704% | 345 |
| Assets per employee ($millions) | 3.4940% | 5,014 |
| Cash dividends to net income (ytd only)* | -13.3824% | 7,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2778% | 673 |
| Loan loss allowance to noncurrent loans | 73.4683% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 6.4825% | 800 |
| Noncurrent loans to loans | 4.4616% | 1,444 |
| Net loans and leases to total assets | 44.7922% | 6,257 |
| Net loans and leases to deposits | 54.4932% | 6,167 |
| Net loans and leases to core deposits | 57.0727% | 6,216 |
| Total domestic deposits to total assets | 82.1978% | 5,011 |
| Equity capital to assets | 17.5211% | 438 |
| Core capital (leverage) ratio | 17.0974% | 391 |
| Tier 1 risk-based capital ratio | 30.9123% | 496 |
| Total risk-based capital ratio | 32.1874% | 484 |
| Memoranda: | ||
| Average total assets | $280,092,500 | 2,279 |
| Average earning assets | $234,569,250 | 2,468 |
| Average equity | $46,686,000 | 1,458 |
| Average total loans | $135,309,250 | 2,913 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 6,360 |
| Cost of funding earning assets | 0.7137% | 5,879 |
| Net interest margin | 3.4493% | 5,372 |
| Noninterest income to average assets | 0.6497% | 2,844 |
| Noninterest expense to average assets | 4.3968% | 670 |
| Loan and lease loss provision to assets | 0.7395% | 1,259 |
| Net operating income to assets | -1.5626% | 7,112 |
| Return on assets (ROA) | -1.6192% | 7,141 |
| Pretax return on assets | -1.6192% | 7,103 |
| Return on Equity (ROE) | -9.8768% | 6,935 |
| Retained earnings to average equity (ytd only) | -11.2106% | 6,917 |
| Net charge-offs to loans | 1.9951% | 674 |
| Credit loss provision to net charge-offs | 75.7246% | 3,893 |
| Earnings coverage of net charge-offs (x) | -0.8428% | 5,610 |
| Efficiency ratio | 123.0297% | 311 |
| Assets per employee ($millions) | 3.1257% | 5,819 |
| Cash dividends to net income (ytd only)* | -13.5052% | 7,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2266% | 741 |
| Loan loss allowance to noncurrent loans | 55.4362% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 6.8999% | 748 |
| Noncurrent loans to loans | 5.8203% | 1,046 |
| Net loans and leases to total assets | 46.7022% | 6,193 |
| Net loans and leases to deposits | 56.4558% | 6,095 |
| Net loans and leases to core deposits | 59.6432% | 6,119 |
| Total domestic deposits to total assets | 82.7234% | 4,898 |
| Equity capital to assets | 17.0272% | 480 |
| Core capital (leverage) ratio | 17.8014% | 350 |
| Tier 1 risk-based capital ratio | 29.3393% | 569 |
| Total risk-based capital ratio | 30.6134% | 556 |
| Memoranda: | ||
| Average total assets | $282,612,000 | 2,266 |
| Average earning assets | $239,587,000 | 2,429 |
| Average equity | $46,331,000 | 1,457 |
| Average total loans | $138,342,000 | 2,881 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 6,296 |
| Cost of funding earning assets | 0.7505% | 5,857 |
| Net interest margin | 3.4415% | 5,255 |
| Noninterest income to average assets | 0.6592% | 2,785 |
| Noninterest expense to average assets | 5.3354% | 286 |
| Loan and lease loss provision to assets | 0.9358% | 845 |
| Net operating income to assets | -2.7040% | 7,371 |
| Return on assets (ROA) | -2.8144% | 7,378 |
| Pretax return on assets | -2.8144% | 7,357 |
| Return on Equity (ROE) | -17.4917% | 7,190 |
| Retained earnings to average equity (ytd only) | -20.1740% | 7,158 |
| Net charge-offs to loans | 1.0401% | 1,313 |
| Credit loss provision to net charge-offs | 182.5613% | 1,604 |
| Earnings coverage of net charge-offs (x) | -3.4496% | 4,998 |
| Efficiency ratio | 149.5693% | 167 |
| Assets per employee ($millions) | 3.0307% | 6,095 |
| Cash dividends to net income (ytd only)* | -15.3350% | 7,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5685% | 574 |
| Loan loss allowance to noncurrent loans | 43.2375% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 7.6268% | 648 |
| Noncurrent loans to loans | 8.2532% | 583 |
| Net loans and leases to total assets | 48.7430% | 5,985 |
| Net loans and leases to deposits | 58.3450% | 5,894 |
| Net loans and leases to core deposits | 62.1084% | 5,914 |
| Total domestic deposits to total assets | 83.5429% | 4,680 |
| Equity capital to assets | 16.3761% | 515 |
| Core capital (leverage) ratio | 16.5629% | 432 |
| Tier 1 risk-based capital ratio | 29.0398% | 570 |
| Total risk-based capital ratio | 30.3178% | 554 |
| Memoranda: | ||
| Average total assets | $286,388,000 | 2,258 |
| Average earning assets | $241,987,500 | 2,428 |
| Average equity | $46,079,000 | 1,458 |
| Average total loans | $141,142,000 | 2,863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4573% | 6,503 |
| Cost of funding earning assets | 0.9124% | 6,119 |
| Net interest margin | 3.5449% | 5,058 |
| Noninterest income to average assets | 1.1703% | 1,079 |
| Noninterest expense to average assets | 2.7365% | 4,825 |
| Loan and lease loss provision to assets | 1.1374% | 1,403 |
| Net operating income to assets | 0.5221% | 3,994 |
| Return on assets (ROA) | 0.5311% | 4,117 |
| Pretax return on assets | 0.5311% | 4,526 |
| Return on Equity (ROE) | 3.0282% | 4,943 |
| Retained earnings to average equity (ytd only) | -3.3808% | 6,141 |
| Net charge-offs to loans | 1.4078% | 1,585 |
| Credit loss provision to net charge-offs | 156.0403% | 2,264 |
| Earnings coverage of net charge-offs (x) | 2.2766% | 4,016 |
| Efficiency ratio | 62.2496% | 5,688 |
| Assets per employee ($millions) | 3.6146% | 4,660 |
| Cash dividends to net income (ytd only)* | 211.6447% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1971% | 737 |
| Loan loss allowance to noncurrent loans | 37.2880% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 6.8814% | 803 |
| Noncurrent loans to loans | 8.5741% | 572 |
| Net loans and leases to total assets | 46.5960% | 6,511 |
| Net loans and leases to deposits | 55.4714% | 6,484 |
| Net loans and leases to core deposits | 58.5282% | 6,517 |
| Total domestic deposits to total assets | 84.0000% | 4,366 |
| Equity capital to assets | 15.8293% | 614 |
| Core capital (leverage) ratio | 17.1721% | 385 |
| Tier 1 risk-based capital ratio | 28.7334% | 556 |
| Total risk-based capital ratio | 30.0012% | 549 |
| Memoranda: | ||
| Average total assets | $286,172,400 | 2,237 |
| Average earning assets | $260,403,800 | 2,253 |
| Average equity | $50,195,400 | 1,330 |
| Average total loans | $148,171,600 | 2,807 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 6,785 |
| Cost of funding earning assets | 0.9339% | 6,257 |
| Net interest margin | 3.4870% | 5,348 |
| Noninterest income to average assets | 1.1823% | 998 |
| Noninterest expense to average assets | 2.6886% | 4,931 |
| Loan and lease loss provision to assets | 0.7782% | 1,962 |
| Net operating income to assets | 0.9748% | 2,322 |
| Return on assets (ROA) | 0.9871% | 2,398 |
| Pretax return on assets | 0.9871% | 3,229 |
| Return on Equity (ROE) | 5.4856% | 4,046 |
| Retained earnings to average equity (ytd only) | -2.9459% | 6,341 |
| Net charge-offs to loans | 1.4682% | 1,374 |
| Credit loss provision to net charge-offs | 100.4872% | 4,292 |
| Earnings coverage of net charge-offs (x) | 2.2637% | 4,039 |
| Efficiency ratio | 60.5330% | 5,866 |
| Assets per employee ($millions) | 3.0473% | 6,036 |
| Cash dividends to net income (ytd only)* | 153.7028% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,521 |
| Loan loss allowance to noncurrent loans | 26.8887% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 6.8093% | 811 |
| Noncurrent loans to loans | 8.7936% | 556 |
| Net loans and leases to total assets | 50.9028% | 6,230 |
| Net loans and leases to deposits | 62.2982% | 6,091 |
| Net loans and leases to core deposits | 65.6931% | 6,151 |
| Total domestic deposits to total assets | 81.7084% | 5,112 |
| Equity capital to assets | 18.1147% | 406 |
| Core capital (leverage) ratio | 17.7126% | 371 |
| Tier 1 risk-based capital ratio | 29.1052% | 564 |
| Total risk-based capital ratio | 30.3705% | 548 |
| Memoranda: | ||
| Average total assets | $282,712,250 | 2,297 |
| Average earning assets | $264,253,500 | 2,259 |
| Average equity | $50,871,750 | 1,318 |
| Average total loans | $149,111,750 | 2,825 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4330% | 6,831 |
| Cost of funding earning assets | 0.9467% | 6,390 |
| Net interest margin | 3.4863% | 5,299 |
| Noninterest income to average assets | 1.0011% | 1,377 |
| Noninterest expense to average assets | 2.5743% | 5,438 |
| Loan and lease loss provision to assets | 1.1640% | 1,219 |
| Net operating income to assets | 0.5284% | 4,206 |
| Return on assets (ROA) | 0.5467% | 4,247 |
| Pretax return on assets | 0.5467% | 4,751 |
| Return on Equity (ROE) | 3.0451% | 5,203 |
| Retained earnings to average equity (ytd only) | -7.1630% | 6,754 |
| Net charge-offs to loans | 0.7076% | 2,448 |
| Credit loss provision to net charge-offs | 310.7345% | 1,174 |
| Earnings coverage of net charge-offs (x) | 4.5179% | 2,930 |
| Efficiency ratio | 60.3340% | 5,989 |
| Assets per employee ($millions) | 3.3320% | 5,348 |
| Cash dividends to net income (ytd only)* | 335.2258% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1000% | 761 |
| Loan loss allowance to noncurrent loans | 46.8603% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 4.9212% | 1,315 |
| Noncurrent loans to loans | 6.6154% | 892 |
| Net loans and leases to total assets | 51.0038% | 6,305 |
| Net loans and leases to deposits | 62.2544% | 6,211 |
| Net loans and leases to core deposits | 65.7984% | 6,260 |
| Total domestic deposits to total assets | 81.9280% | 5,018 |
| Equity capital to assets | 17.9595% | 420 |
| Core capital (leverage) ratio | 17.6551% | 383 |
| Tier 1 risk-based capital ratio | 27.3864% | 671 |
| Total risk-based capital ratio | 28.6578% | 657 |
| Memoranda: | ||
| Average total assets | $283,499,000 | 2,307 |
| Average earning assets | $265,554,670 | 2,265 |
| Average equity | $50,900,670 | 1,309 |
| Average total loans | $150,094,670 | 2,835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 7,167 |
| Cost of funding earning assets | 0.9466% | 6,595 |
| Net interest margin | 3.3297% | 5,862 |
| Noninterest income to average assets | 0.9716% | 1,385 |
| Noninterest expense to average assets | 2.3063% | 6,355 |
| Loan and lease loss provision to assets | 0.3505% | 3,279 |
| Net operating income to assets | 1.4413% | 1,001 |
| Return on assets (ROA) | 1.4777% | 999 |
| Pretax return on assets | 1.4777% | 1,577 |
| Return on Equity (ROE) | 8.2316% | 2,763 |
| Retained earnings to average equity (ytd only) | -7.2319% | 6,766 |
| Net charge-offs to loans | 0.0687% | 4,725 |
| Credit loss provision to net charge-offs | 961.5385% | 484 |
| Earnings coverage of net charge-offs (x) | 49.1538% | 587 |
| Efficiency ratio | 56.2778% | 6,730 |
| Assets per employee ($millions) | 3.2688% | 5,612 |
| Cash dividends to net income (ytd only)* | 187.8558% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 1,352 |
| Loan loss allowance to noncurrent loans | 53.6539% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 3.3768% | 2,099 |
| Noncurrent loans to loans | 4.5803% | 1,620 |
| Net loans and leases to total assets | 53.0648% | 6,148 |
| Net loans and leases to deposits | 65.1910% | 5,913 |
| Net loans and leases to core deposits | 68.9342% | 6,010 |
| Total domestic deposits to total assets | 81.3991% | 5,314 |
| Equity capital to assets | 18.4968% | 378 |
| Core capital (leverage) ratio | 17.8006% | 379 |
| Tier 1 risk-based capital ratio | 27.7921% | 651 |
| Total risk-based capital ratio | 29.0569% | 639 |
| Memoranda: | ||
| Average total assets | $285,303,000 | 2,347 |
| Average earning assets | $267,895,500 | 2,295 |
| Average equity | $51,217,500 | 1,308 |
| Average total loans | $151,481,000 | 2,867 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 6,901 |
| Cost of funding earning assets | 1.0697% | 7,057 |
| Net interest margin | 3.7527% | 3,899 |
| Noninterest income to average assets | 1.5553% | 594 |
| Noninterest expense to average assets | 2.7305% | 5,244 |
| Loan and lease loss provision to assets | 0.7030% | 3,012 |
| Net operating income to assets | 1.6368% | 499 |
| Return on assets (ROA) | 1.6274% | 543 |
| Pretax return on assets | 1.6387% | 885 |
| Return on Equity (ROE) | 8.7017% | 2,119 |
| Retained earnings to average equity (ytd only) | 2.6222% | 3,310 |
| Net charge-offs to loans | 0.3043% | 4,730 |
| Credit loss provision to net charge-offs | 401.4553% | 786 |
| Earnings coverage of net charge-offs (x) | 13.4262% | 1,429 |
| Efficiency ratio | 53.7326% | 7,256 |
| Assets per employee ($millions) | 3.4421% | 5,148 |
| Cash dividends to net income (ytd only)* | 69.8658% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2450% | 1,574 |
| Loan loss allowance to noncurrent loans | 63.0117% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 2.5856% | 2,713 |
| Noncurrent loans to loans | 3.5629% | 2,128 |
| Net loans and leases to total assets | 50.7177% | 6,559 |
| Net loans and leases to deposits | 61.9015% | 6,480 |
| Net loans and leases to core deposits | 81.8358% | 5,926 |
| Total domestic deposits to total assets | 81.9328% | 4,981 |
| Equity capital to assets | 17.4466% | 510 |
| Core capital (leverage) ratio | 17.6798% | 424 |
| Tier 1 risk-based capital ratio | 28.0071% | 644 |
| Total risk-based capital ratio | 29.2701% | 623 |
| Memoranda: | ||
| Average total assets | $274,673,600 | 2,384 |
| Average earning assets | $258,106,200 | 2,343 |
| Average equity | $51,369,000 | 1,302 |
| Average total loans | $158,066,400 | 2,799 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 6,720 |
| Cost of funding earning assets | 1.1159% | 7,144 |
| Net interest margin | 3.8493% | 3,436 |
| Noninterest income to average assets | 1.5524% | 619 |
| Noninterest expense to average assets | 2.6643% | 5,472 |
| Loan and lease loss provision to assets | 0.3490% | 4,232 |
| Net operating income to assets | 2.1404% | 215 |
| Return on assets (ROA) | 2.1276% | 241 |
| Pretax return on assets | 2.1430% | 405 |
| Return on Equity (ROE) | 11.1707% | 1,573 |
| Retained earnings to average equity (ytd only) | 3.0539% | 3,618 |
| Net charge-offs to loans | 0.2253% | 4,643 |
| Credit loss provision to net charge-offs | 262.0818% | 1,626 |
| Earnings coverage of net charge-offs (x) | 18.8103% | 1,332 |
| Efficiency ratio | 51.5419% | 7,444 |
| Assets per employee ($millions) | 2.8739% | 6,465 |
| Cash dividends to net income (ytd only)* | 72.6618% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 3,053 |
| Loan loss allowance to noncurrent loans | 1,330.6011% | 275 |
| Noncurrent assets plus other real estate owned to assets | 1.1046% | 4,870 |
| Noncurrent loans to loans | 0.1191% | 7,176 |
| Net loans and leases to total assets | 55.9731% | 6,147 |
| Net loans and leases to deposits | 69.8048% | 5,942 |
| Net loans and leases to core deposits | 94.5624% | 4,969 |
| Total domestic deposits to total assets | 80.1852% | 5,371 |
| Equity capital to assets | 19.2848% | 390 |
| Core capital (leverage) ratio | 18.6083% | 410 |
| Tier 1 risk-based capital ratio | 27.3891% | 719 |
| Total risk-based capital ratio | 28.6399% | 703 |
| Memoranda: | ||
| Average total assets | $269,336,250 | 2,435 |
| Average earning assets | $253,062,500 | 2,397 |
| Average equity | $51,299,750 | 1,319 |
| Average total loans | $159,187,000 | 2,804 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 6,651 |
| Cost of funding earning assets | 1.1022% | 7,374 |
| Net interest margin | 3.9376% | 2,933 |
| Noninterest income to average assets | 1.4420% | 718 |
| Noninterest expense to average assets | 2.3786% | 6,528 |
| Loan and lease loss provision to assets | 0.4683% | 3,179 |
| Net operating income to assets | 2.2788% | 168 |
| Return on assets (ROA) | 2.2597% | 191 |
| Pretax return on assets | 2.2827% | 305 |
| Return on Equity (ROE) | 11.9136% | 1,441 |
| Retained earnings to average equity (ytd only) | 2.0966% | 4,179 |
| Net charge-offs to loans | 0.2397% | 3,997 |
| Credit loss provision to net charge-offs | 326.4249% | 1,430 |
| Earnings coverage of net charge-offs (x) | 19.3109% | 1,370 |
| Efficiency ratio | 46.1960% | 7,842 |
| Assets per employee ($millions) | 2.8328% | 6,552 |
| Cash dividends to net income (ytd only)* | 82.4013% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4913% | 3,245 |
| Loan loss allowance to noncurrent loans | 1,634.2282% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 5,811 |
| Noncurrent loans to loans | 0.0913% | 7,296 |
| Net loans and leases to total assets | 61.7174% | 5,403 |
| Net loans and leases to deposits | 77.7379% | 4,917 |
| Net loans and leases to core deposits | 101.5730% | 4,332 |
| Total domestic deposits to total assets | 79.3916% | 5,689 |
| Equity capital to assets | 19.8441% | 397 |
| Core capital (leverage) ratio | 22.8764% | 250 |
| Tier 1 risk-based capital ratio | 26.7422% | 797 |
| Total risk-based capital ratio | 27.9929% | 775 |
| Memoranda: | ||
| Average total assets | $269,066,330 | 2,449 |
| Average earning assets | $253,302,330 | 2,411 |
| Average equity | $51,034,000 | 1,340 |
| Average total loans | $161,034,670 | 2,797 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 6,873 |
| Cost of funding earning assets | 1.0855% | 7,537 |
| Net interest margin | 3.9388% | 2,889 |
| Noninterest income to average assets | 1.5339% | 591 |
| Noninterest expense to average assets | 2.1106% | 7,093 |
| Loan and lease loss provision to assets | 0.1390% | 5,176 |
| Net operating income to assets | 2.9558% | 71 |
| Return on assets (ROA) | 2.9185% | 89 |
| Pretax return on assets | 2.9639% | 132 |
| Return on Equity (ROE) | 15.7341% | 863 |
| Retained earnings to average equity (ytd only) | 0.8443% | 5,323 |
| Net charge-offs to loans | 0.0926% | 4,252 |
| Credit loss provision to net charge-offs | 256.7568% | 1,834 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 659 |
| Efficiency ratio | 40.1895% | 8,047 |
| Assets per employee ($millions) | 2.8034% | 6,632 |
| Cash dividends to net income (ytd only)* | 94.6339% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 4,373 |
| Loan loss allowance to noncurrent loans | 761.4815% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 5,407 |
| Noncurrent loans to loans | 0.1649% | 7,053 |
| Net loans and leases to total assets | 61.3419% | 5,440 |
| Net loans and leases to deposits | 77.2765% | 5,042 |
| Net loans and leases to core deposits | 100.9278% | 4,445 |
| Total domestic deposits to total assets | 79.3798% | 5,580 |
| Equity capital to assets | 19.0685% | 486 |
| Core capital (leverage) ratio | 20.7924% | 364 |
| Tier 1 risk-based capital ratio | 25.7647% | 908 |
| Total risk-based capital ratio | 26.8668% | 899 |
| Memoranda: | ||
| Average total assets | $273,291,000 | 2,434 |
| Average earning assets | $257,949,500 | 2,386 |
| Average equity | $50,692,500 | 1,353 |
| Average total loans | $159,911,500 | 2,849 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8923% | 6,073 |
| Cost of funding earning assets | 1.9258% | 6,657 |
| Net interest margin | 3.9664% | 3,280 |
| Noninterest income to average assets | 0.6799% | 3,249 |
| Noninterest expense to average assets | 2.2997% | 6,705 |
| Loan and lease loss provision to assets | 0.0444% | 6,860 |
| Net operating income to assets | 2.0973% | 293 |
| Return on assets (ROA) | 1.9389% | 388 |
| Pretax return on assets | 1.9389% | 707 |
| Return on Equity (ROE) | 10.7342% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.1490% | 2,544 |
| Net charge-offs to loans | 0.1481% | 4,726 |
| Credit loss provision to net charge-offs | 57.6923% | 6,256 |
| Earnings coverage of net charge-offs (x) | 27.8221% | 1,230 |
| Efficiency ratio | 51.7790% | 7,513 |
| Assets per employee ($millions) | 3.3301% | 5,145 |
| Cash dividends to net income (ytd only)* | 61.3476% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 3,932 |
| Loan loss allowance to noncurrent loans | 1,368.4932% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 5,723 |
| Noncurrent loans to loans | 0.0935% | 7,142 |
| Net loans and leases to total assets | 54.4477% | 6,604 |
| Net loans and leases to deposits | 67.0876% | 6,549 |
| Net loans and leases to core deposits | 83.9693% | 6,292 |
| Total domestic deposits to total assets | 81.1591% | 4,578 |
| Equity capital to assets | 18.0651% | 642 |
| Core capital (leverage) ratio | 17.9078% | 614 |
| Tier 1 risk-based capital ratio | 25.8506% | 916 |
| Total risk-based capital ratio | 26.9276% | 905 |
| Memoranda: | ||
| Average total assets | $270,206,400 | 2,384 |
| Average earning assets | $256,250,800 | 2,314 |
| Average equity | $48,806,600 | 1,402 |
| Average total loans | $140,433,600 | 3,093 |