Home > First Personal Bank > Performance and Condition Ratios
First Personal Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 3,442 |
| Cost of funding earning assets | 0.4049% | 3,689 |
| Net interest margin | 3.6959% | 2,942 |
| Noninterest income to average assets | 0.3945% | 3,527 |
| Noninterest expense to average assets | 2.8213% | 2,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6562% | 4,331 |
| Return on assets (ROA) | 0.6562% | 4,337 |
| Pretax return on assets | 0.9220% | 3,900 |
| Return on Equity (ROE) | 6.2980% | 4,141 |
| Retained earnings to average equity (ytd only) | 6.2980% | 2,417 |
| Net charge-offs to loans | -0.4237% | 5,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3698% | 1,512 |
| Assets per employee ($millions) | 4.6200% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 2,174 |
| Loan loss allowance to noncurrent loans | 68.5363% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 2.8899% | 269 |
| Noncurrent loans to loans | 1.8956% | 815 |
| Net loans and leases to total assets | 68.0571% | 2,860 |
| Net loans and leases to deposits | 76.4498% | 3,293 |
| Net loans and leases to core deposits | 78.1740% | 3,561 |
| Total domestic deposits to total assets | 89.0219% | 924 |
| Equity capital to assets | 10.5815% | 3,043 |
| Core capital (leverage) ratio | 10.6431% | 2,875 |
| Tier 1 risk-based capital ratio | 15.8719% | 2,480 |
| Total risk-based capital ratio | 17.1229% | 2,431 |
| Memoranda: | ||
| Average total assets | $144,473,330 | 3,508 |
| Average earning assets | $130,900,670 | 3,539 |
| Average equity | $15,052,330 | 3,676 |
| Average total loans | $99,597,000 | 3,343 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,309 |
| Cost of funding earning assets | 0.3960% | 3,615 |
| Net interest margin | 3.6827% | 2,867 |
| Noninterest income to average assets | 0.4135% | 3,364 |
| Noninterest expense to average assets | 2.9083% | 2,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6285% | 4,344 |
| Return on assets (ROA) | 0.6285% | 4,353 |
| Pretax return on assets | 0.8380% | 4,060 |
| Return on Equity (ROE) | 6.0796% | 4,132 |
| Retained earnings to average equity (ytd only) | 6.0796% | 2,672 |
| Net charge-offs to loans | -0.0440% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6306% | 1,387 |
| Assets per employee ($millions) | 4.5120% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,496 |
| Loan loss allowance to noncurrent loans | 48.3051% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.1582% | 242 |
| Noncurrent loans to loans | 2.2382% | 665 |
| Net loans and leases to total assets | 68.6255% | 2,685 |
| Net loans and leases to deposits | 76.9861% | 3,112 |
| Net loans and leases to core deposits | 79.3156% | 3,383 |
| Total domestic deposits to total assets | 89.1401% | 1,032 |
| Equity capital to assets | 10.4124% | 3,162 |
| Core capital (leverage) ratio | 10.3254% | 3,157 |
| Tier 1 risk-based capital ratio | 15.2398% | 2,770 |
| Total risk-based capital ratio | 16.3416% | 2,767 |
| Memoranda: | ||
| Average total assets | $145,099,500 | 3,530 |
| Average earning assets | $131,316,000 | 3,573 |
| Average equity | $15,001,000 | 3,710 |
| Average total loans | $100,018,000 | 3,360 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,409 |
| Cost of funding earning assets | 0.3586% | 3,627 |
| Net interest margin | 3.6401% | 3,025 |
| Noninterest income to average assets | 0.1936% | 4,982 |
| Noninterest expense to average assets | 2.9107% | 2,416 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2857% | 4,955 |
| Return on assets (ROA) | 0.2857% | 4,971 |
| Pretax return on assets | 0.5628% | 4,820 |
| Return on Equity (ROE) | 2.8784% | 4,867 |
| Retained earnings to average equity (ytd only) | 2.8784% | 3,586 |
| Net charge-offs to loans | -0.0727% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7978% | 787 |
| Assets per employee ($millions) | 4.5567% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,489 |
| Loan loss allowance to noncurrent loans | 49.9534% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.2583% | 232 |
| Noncurrent loans to loans | 2.1488% | 689 |
| Net loans and leases to total assets | 67.7548% | 2,858 |
| Net loans and leases to deposits | 75.9309% | 3,331 |
| Net loans and leases to core deposits | 78.1936% | 3,574 |
| Total domestic deposits to total assets | 89.2322% | 897 |
| Equity capital to assets | 10.2651% | 3,419 |
| Core capital (leverage) ratio | 10.0354% | 3,412 |
| Tier 1 risk-based capital ratio | 15.0521% | 2,831 |
| Total risk-based capital ratio | 16.1513% | 2,826 |
| Memoranda: | ||
| Average total assets | $149,789,600 | 3,471 |
| Average earning assets | $134,967,400 | 3,527 |
| Average equity | $14,869,400 | 3,733 |
| Average total loans | $99,046,000 | 3,369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 3,456 |
| Cost of funding earning assets | 0.3487% | 3,682 |
| Net interest margin | 3.6239% | 3,056 |
| Noninterest income to average assets | 0.2927% | 4,439 |
| Noninterest expense to average assets | 2.9295% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4165% | 4,965 |
| Return on assets (ROA) | 0.4165% | 4,994 |
| Pretax return on assets | 0.6252% | 4,789 |
| Return on Equity (ROE) | 4.2303% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.2303% | 3,383 |
| Net charge-offs to loans | -0.0675% | 5,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4129% | 881 |
| Assets per employee ($millions) | 4.6220% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0635% | 3,711 |
| Loan loss allowance to noncurrent loans | 48.3203% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 3.3400% | 248 |
| Noncurrent loans to loans | 2.2009% | 741 |
| Net loans and leases to total assets | 66.0453% | 3,097 |
| Net loans and leases to deposits | 73.9463% | 3,576 |
| Net loans and leases to core deposits | 76.5655% | 3,759 |
| Total domestic deposits to total assets | 89.3153% | 740 |
| Equity capital to assets | 10.2249% | 3,669 |
| Core capital (leverage) ratio | 9.8832% | 3,719 |
| Tier 1 risk-based capital ratio | 15.3889% | 2,751 |
| Total risk-based capital ratio | 16.4956% | 2,748 |
| Memoranda: | ||
| Average total assets | $150,783,500 | 3,494 |
| Average earning assets | $135,726,000 | 3,537 |
| Average equity | $14,844,750 | 3,774 |
| Average total loans | $98,840,500 | 3,399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 3,674 |
| Cost of funding earning assets | 0.3359% | 3,738 |
| Net interest margin | 3.5267% | 3,304 |
| Noninterest income to average assets | 0.3071% | 4,342 |
| Noninterest expense to average assets | 2.9313% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3651% | 5,054 |
| Return on assets (ROA) | 0.3651% | 5,078 |
| Pretax return on assets | 0.5443% | 4,918 |
| Return on Equity (ROE) | 3.7554% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.7554% | 3,457 |
| Net charge-offs to loans | -0.0688% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3383% | 817 |
| Assets per employee ($millions) | 4.5445% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 3,944 |
| Loan loss allowance to noncurrent loans | 40.1553% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 4.0602% | 166 |
| Noncurrent loans to loans | 2.5728% | 564 |
| Net loans and leases to total assets | 66.0474% | 3,103 |
| Net loans and leases to deposits | 73.7221% | 3,573 |
| Net loans and leases to core deposits | 76.1115% | 3,764 |
| Total domestic deposits to total assets | 89.5898% | 689 |
| Equity capital to assets | 9.9675% | 3,948 |
| Core capital (leverage) ratio | 9.5300% | 4,105 |
| Tier 1 risk-based capital ratio | 14.3000% | 3,263 |
| Total risk-based capital ratio | 15.3328% | 3,301 |
| Memoranda: | ||
| Average total assets | $151,743,670 | 3,497 |
| Average earning assets | $136,333,330 | 3,551 |
| Average equity | $14,752,000 | 3,790 |
| Average total loans | $98,876,330 | 3,416 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 3,565 |
| Cost of funding earning assets | 0.3269% | 3,783 |
| Net interest margin | 3.5288% | 3,167 |
| Noninterest income to average assets | 0.3721% | 3,867 |
| Noninterest expense to average assets | 2.8670% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4429% | 4,803 |
| Return on assets (ROA) | 0.4429% | 4,827 |
| Pretax return on assets | 0.6735% | 4,522 |
| Return on Equity (ROE) | 4.6131% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.6131% | 3,115 |
| Net charge-offs to loans | -0.2401% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9771% | 1,259 |
| Assets per employee ($millions) | 4.6317% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,901 |
| Loan loss allowance to noncurrent loans | 43.4016% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.9752% | 191 |
| Noncurrent loans to loans | 2.4568% | 640 |
| Net loans and leases to total assets | 64.2845% | 3,235 |
| Net loans and leases to deposits | 71.4440% | 3,662 |
| Net loans and leases to core deposits | 73.6996% | 3,858 |
| Total domestic deposits to total assets | 89.9789% | 666 |
| Equity capital to assets | 9.6436% | 4,136 |
| Core capital (leverage) ratio | 9.2742% | 4,375 |
| Tier 1 risk-based capital ratio | 14.6677% | 3,132 |
| Total risk-based capital ratio | 15.7686% | 3,124 |
| Memoranda: | ||
| Average total assets | $152,631,500 | 3,519 |
| Average earning assets | $137,045,500 | 3,573 |
| Average equity | $14,654,000 | 3,822 |
| Average total loans | $98,272,500 | 3,453 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,937 |
| Cost of funding earning assets | 0.2837% | 4,226 |
| Net interest margin | 3.5076% | 3,396 |
| Noninterest income to average assets | 0.3732% | 4,079 |
| Noninterest expense to average assets | 2.9478% | 2,505 |
| Loan and lease loss provision to assets | 0.0920% | 2,518 |
| Net operating income to assets | 0.3239% | 5,159 |
| Return on assets (ROA) | 0.3239% | 5,231 |
| Pretax return on assets | 0.4770% | 5,075 |
| Return on Equity (ROE) | 3.4002% | 5,043 |
| Retained earnings to average equity (ytd only) | 3.4002% | 3,504 |
| Net charge-offs to loans | 0.5529% | 431 |
| Credit loss provision to net charge-offs | 26.2664% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.6248% | 3,963 |
| Efficiency ratio | 83.8222% | 1,026 |
| Assets per employee ($millions) | 4.7630% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,145 |
| Loan loss allowance to noncurrent loans | 37.2162% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 4.3952% | 161 |
| Noncurrent loans to loans | 2.7636% | 533 |
| Net loans and leases to total assets | 63.1358% | 3,459 |
| Net loans and leases to deposits | 70.1582% | 3,887 |
| Net loans and leases to core deposits | 72.0094% | 4,080 |
| Total domestic deposits to total assets | 89.9906% | 629 |
| Equity capital to assets | 9.5581% | 4,211 |
| Core capital (leverage) ratio | 9.1615% | 4,537 |
| Tier 1 risk-based capital ratio | 14.2971% | 3,284 |
| Total risk-based capital ratio | 15.3293% | 3,335 |
| Memoranda: | ||
| Average total assets | $152,216,400 | 3,485 |
| Average earning assets | $136,418,400 | 3,548 |
| Average equity | $14,499,200 | 3,874 |
| Average total loans | $96,393,400 | 3,455 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8295% | 3,836 |
| Cost of funding earning assets | 0.2737% | 4,349 |
| Net interest margin | 3.5557% | 3,250 |
| Noninterest income to average assets | 0.3619% | 4,192 |
| Noninterest expense to average assets | 2.9931% | 2,337 |
| Loan and lease loss provision to assets | 0.0789% | 2,640 |
| Net operating income to assets | 0.3233% | 5,236 |
| Return on assets (ROA) | 0.3233% | 5,314 |
| Pretax return on assets | 0.4767% | 5,178 |
| Return on Equity (ROE) | 3.3973% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.3973% | 3,862 |
| Net charge-offs to loans | 0.7056% | 265 |
| Credit loss provision to net charge-offs | 17.6817% | 3,311 |
| Earnings coverage of net charge-offs (x) | 1.2456% | 3,717 |
| Efficiency ratio | 84.3457% | 966 |
| Assets per employee ($millions) | 4.4679% | 3,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,460 |
| Loan loss allowance to noncurrent loans | 32.1134% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 4.2361% | 187 |
| Noncurrent loans to loans | 3.0879% | 474 |
| Net loans and leases to total assets | 64.0169% | 3,399 |
| Net loans and leases to deposits | 71.4276% | 3,846 |
| Net loans and leases to core deposits | 73.3233% | 4,056 |
| Total domestic deposits to total assets | 89.6248% | 614 |
| Equity capital to assets | 9.6465% | 4,517 |
| Core capital (leverage) ratio | 9.2187% | 4,563 |
| Tier 1 risk-based capital ratio | 14.5784% | 3,247 |
| Total risk-based capital ratio | 15.6091% | 3,295 |
| Memoranda: | ||
| Average total assets | $152,166,500 | 3,497 |
| Average earning assets | $136,377,500 | 3,563 |
| Average equity | $14,482,000 | 3,913 |
| Average total loans | $96,184,500 | 3,472 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 3,988 |
| Cost of funding earning assets | 0.2714% | 4,428 |
| Net interest margin | 3.5193% | 3,416 |
| Noninterest income to average assets | 0.4046% | 3,844 |
| Noninterest expense to average assets | 2.9372% | 2,559 |
| Loan and lease loss provision to assets | 0.1182% | 1,929 |
| Net operating income to assets | 0.3363% | 5,220 |
| Return on assets (ROA) | 0.3363% | 5,303 |
| Pretax return on assets | 0.5005% | 5,125 |
| Return on Equity (ROE) | 3.5495% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,633 |
| Net charge-offs to loans | 0.9298% | 203 |
| Credit loss provision to net charge-offs | 20.2703% | 2,928 |
| Earnings coverage of net charge-offs (x) | 1.0608% | 3,458 |
| Efficiency ratio | 82.6007% | 1,201 |
| Assets per employee ($millions) | 4.4520% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 4,189 |
| Loan loss allowance to noncurrent loans | 31.5422% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 4.4785% | 178 |
| Noncurrent loans to loans | 3.3485% | 402 |
| Net loans and leases to total assets | 64.3029% | 3,323 |
| Net loans and leases to deposits | 71.5150% | 3,827 |
| Net loans and leases to core deposits | 73.4380% | 4,038 |
| Total domestic deposits to total assets | 89.9153% | 521 |
| Equity capital to assets | 9.6302% | 4,634 |
| Core capital (leverage) ratio | 8.9970% | 4,834 |
| Tier 1 risk-based capital ratio | 14.7093% | 3,201 |
| Total risk-based capital ratio | 15.8304% | 3,203 |
| Memoranda: | ||
| Average total assets | $152,252,000 | 3,524 |
| Average earning assets | $136,332,330 | 3,590 |
| Average equity | $14,424,670 | 3,943 |
| Average total loans | $95,505,330 | 3,495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,176 |
| Cost of funding earning assets | 0.2696% | 4,503 |
| Net interest margin | 3.4699% | 3,586 |
| Noninterest income to average assets | 0.3458% | 4,258 |
| Noninterest expense to average assets | 2.9130% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3536% | 5,131 |
| Return on assets (ROA) | 0.3536% | 5,218 |
| Pretax return on assets | 0.5344% | 4,997 |
| Return on Equity (ROE) | 3.7635% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.7635% | 3,614 |
| Net charge-offs to loans | 1.7604% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.4928% | 2,926 |
| Efficiency ratio | 84.4985% | 1,114 |
| Assets per employee ($millions) | 4.4906% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 4,510 |
| Loan loss allowance to noncurrent loans | 25.3561% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 4.6967% | 181 |
| Noncurrent loans to loans | 4.0091% | 302 |
| Net loans and leases to total assets | 62.4347% | 3,463 |
| Net loans and leases to deposits | 69.2801% | 3,922 |
| Net loans and leases to core deposits | 71.1117% | 4,148 |
| Total domestic deposits to total assets | 90.1193% | 552 |
| Equity capital to assets | 9.4602% | 4,705 |
| Core capital (leverage) ratio | 8.8367% | 5,042 |
| Tier 1 risk-based capital ratio | 14.5164% | 3,385 |
| Total risk-based capital ratio | 15.5731% | 3,416 |
| Memoranda: | ||
| Average total assets | $152,694,000 | 3,543 |
| Average earning assets | $136,488,000 | 3,609 |
| Average equity | $14,348,500 | 3,961 |
| Average total loans | $94,071,500 | 3,535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7534% | 4,183 |
| Cost of funding earning assets | 0.2775% | 4,505 |
| Net interest margin | 3.4759% | 3,613 |
| Noninterest income to average assets | 0.1818% | 5,502 |
| Noninterest expense to average assets | 3.0183% | 2,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1894% | 5,604 |
| Return on assets (ROA) | 0.1894% | 5,653 |
| Pretax return on assets | 0.2634% | 5,590 |
| Return on Equity (ROE) | 2.0874% | 5,551 |
| Retained earnings to average equity (ytd only) | 2.0874% | 4,535 |
| Net charge-offs to loans | 0.3166% | 950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.4096% | 4,090 |
| Efficiency ratio | 91.9728% | 574 |
| Assets per employee ($millions) | 4.4914% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5168% | 1,921 |
| Loan loss allowance to noncurrent loans | 36.3423% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 4.8898% | 180 |
| Noncurrent loans to loans | 4.1737% | 278 |
| Net loans and leases to total assets | 59.2278% | 3,936 |
| Net loans and leases to deposits | 65.6702% | 4,344 |
| Net loans and leases to core deposits | 67.2769% | 4,492 |
| Total domestic deposits to total assets | 90.1897% | 550 |
| Equity capital to assets | 9.3336% | 4,750 |
| Core capital (leverage) ratio | 8.6820% | 5,235 |
| Tier 1 risk-based capital ratio | 15.4395% | 2,962 |
| Total risk-based capital ratio | 16.7035% | 2,894 |
| Memoranda: | ||
| Average total assets | $156,777,200 | 3,476 |
| Average earning assets | $139,819,800 | 3,540 |
| Average equity | $14,228,400 | 3,942 |
| Average total loans | $92,559,000 | 3,533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,175 |
| Cost of funding earning assets | 0.2786% | 4,579 |
| Net interest margin | 3.4945% | 3,559 |
| Noninterest income to average assets | 0.2729% | 4,986 |
| Noninterest expense to average assets | 2.9354% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3076% | 5,431 |
| Return on assets (ROA) | 0.3076% | 5,517 |
| Pretax return on assets | 0.4537% | 5,343 |
| Return on Equity (ROE) | 3.4124% | 5,250 |
| Retained earnings to average equity (ytd only) | 3.4124% | 4,045 |
| Net charge-offs to loans | 0.4327% | 587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.7841% | 3,780 |
| Efficiency ratio | 86.6118% | 964 |
| Assets per employee ($millions) | 4.4840% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 2,094 |
| Loan loss allowance to noncurrent loans | 44.5338% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 5.0218% | 196 |
| Noncurrent loans to loans | 3.4002% | 474 |
| Net loans and leases to total assets | 59.0856% | 4,001 |
| Net loans and leases to deposits | 65.6596% | 4,412 |
| Net loans and leases to core deposits | 67.1350% | 4,617 |
| Total domestic deposits to total assets | 89.9879% | 573 |
| Equity capital to assets | 9.4480% | 4,812 |
| Core capital (leverage) ratio | 8.7615% | 5,287 |
| Tier 1 risk-based capital ratio | 15.3469% | 3,116 |
| Total risk-based capital ratio | 16.6093% | 3,044 |
| Memoranda: | ||
| Average total assets | $157,794,750 | 3,495 |
| Average earning assets | $140,711,750 | 3,563 |
| Average equity | $14,222,250 | 3,987 |
| Average total loans | $92,739,250 | 3,559 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7434% | 4,264 |
| Cost of funding earning assets | 0.2777% | 4,635 |
| Net interest margin | 3.4657% | 3,640 |
| Noninterest income to average assets | 0.2670% | 5,045 |
| Noninterest expense to average assets | 2.7034% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4349% | 5,024 |
| Return on assets (ROA) | 0.4349% | 5,120 |
| Pretax return on assets | 0.6605% | 4,788 |
| Return on Equity (ROE) | 4.9006% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.9006% | 2,923 |
| Net charge-offs to loans | 0.3843% | 679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.9441% | 3,267 |
| Efficiency ratio | 80.3651% | 1,704 |
| Assets per employee ($millions) | 4.6670% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 1,822 |
| Loan loss allowance to noncurrent loans | 38.3656% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 5.1827% | 202 |
| Noncurrent loans to loans | 4.2419% | 335 |
| Net loans and leases to total assets | 59.1477% | 3,953 |
| Net loans and leases to deposits | 65.5381% | 4,383 |
| Net loans and leases to core deposits | 67.2419% | 4,556 |
| Total domestic deposits to total assets | 90.2494% | 557 |
| Equity capital to assets | 9.2941% | 4,899 |
| Core capital (leverage) ratio | 8.5006% | 5,530 |
| Tier 1 risk-based capital ratio | 14.8694% | 3,433 |
| Total risk-based capital ratio | 16.1326% | 3,354 |
| Memoranda: | ||
| Average total assets | $159,574,670 | 3,493 |
| Average earning assets | $142,596,330 | 3,560 |
| Average equity | $14,161,670 | 4,018 |
| Average total loans | $93,164,330 | 3,574 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7249% | 4,278 |
| Cost of funding earning assets | 0.2755% | 4,720 |
| Net interest margin | 3.4494% | 3,631 |
| Noninterest income to average assets | 0.2291% | 5,318 |
| Noninterest expense to average assets | 2.7249% | 3,505 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3868% | 5,123 |
| Return on assets (ROA) | 0.3868% | 5,240 |
| Pretax return on assets | 0.5888% | 4,947 |
| Return on Equity (ROE) | 4.4585% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.4585% | 3,343 |
| Net charge-offs to loans | 0.8133% | 290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.2579% | 2,945 |
| Efficiency ratio | 82.2305% | 1,590 |
| Assets per employee ($millions) | 4.5802% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 1,987 |
| Loan loss allowance to noncurrent loans | 41.9518% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 4.9231% | 252 |
| Noncurrent loans to loans | 3.8534% | 463 |
| Net loans and leases to total assets | 56.7942% | 4,112 |
| Net loans and leases to deposits | 62.5726% | 4,522 |
| Net loans and leases to core deposits | 63.9878% | 4,696 |
| Total domestic deposits to total assets | 90.7652% | 450 |
| Equity capital to assets | 8.8699% | 5,424 |
| Core capital (leverage) ratio | 8.4200% | 5,604 |
| Tier 1 risk-based capital ratio | 15.2292% | 3,303 |
| Total risk-based capital ratio | 16.4788% | 3,231 |
| Memoranda: | ||
| Average total assets | $162,356,500 | 3,480 |
| Average earning assets | $145,185,500 | 3,547 |
| Average equity | $14,085,500 | 4,058 |
| Average total loans | $93,446,000 | 3,580 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 4,368 |
| Cost of funding earning assets | 0.3015% | 4,778 |
| Net interest margin | 3.5356% | 3,660 |
| Noninterest income to average assets | 0.3321% | 4,733 |
| Noninterest expense to average assets | 2.8209% | 3,412 |
| Loan and lease loss provision to assets | -0.0486% | 6,027 |
| Net operating income to assets | 0.4704% | 4,923 |
| Return on assets (ROA) | 0.4790% | 4,987 |
| Pretax return on assets | 0.7341% | 4,497 |
| Return on Equity (ROE) | 5.8518% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.8518% | 2,021 |
| Net charge-offs to loans | -0.1203% | 6,162 |
| Credit loss provision to net charge-offs | 70.1754% | 3,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7579% | 1,810 |
| Assets per employee ($millions) | 5.3034% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7869% | 1,562 |
| Loan loss allowance to noncurrent loans | 41.2932% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 4.8958% | 287 |
| Noncurrent loans to loans | 4.3275% | 395 |
| Net loans and leases to total assets | 56.3635% | 4,283 |
| Net loans and leases to deposits | 61.9240% | 4,734 |
| Net loans and leases to core deposits | 63.3048% | 4,891 |
| Total domestic deposits to total assets | 91.0204% | 357 |
| Equity capital to assets | 8.4863% | 5,767 |
| Core capital (leverage) ratio | 8.0188% | 5,992 |
| Tier 1 risk-based capital ratio | 14.6629% | 3,687 |
| Total risk-based capital ratio | 15.9210% | 3,609 |
| Memoranda: | ||
| Average total assets | $164,701,000 | 3,415 |
| Average earning assets | $147,243,600 | 3,495 |
| Average equity | $13,483,000 | 4,107 |
| Average total loans | $94,744,000 | 3,534 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 4,382 |
| Cost of funding earning assets | 0.3051% | 4,839 |
| Net interest margin | 3.5415% | 3,664 |
| Noninterest income to average assets | 0.3091% | 4,969 |
| Noninterest expense to average assets | 2.7811% | 3,538 |
| Loan and lease loss provision to assets | 0.0162% | 4,091 |
| Net operating income to assets | 0.4426% | 5,105 |
| Return on assets (ROA) | 0.4426% | 5,181 |
| Pretax return on assets | 0.6773% | 4,776 |
| Return on Equity (ROE) | 5.4566% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.4566% | 2,791 |
| Net charge-offs to loans | -0.1546% | 6,248 |
| Credit loss provision to net charge-offs | -18.1818% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0419% | 1,911 |
| Assets per employee ($millions) | 4.7895% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8469% | 1,582 |
| Loan loss allowance to noncurrent loans | 40.1804% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 5.0146% | 340 |
| Noncurrent loans to loans | 4.5966% | 421 |
| Net loans and leases to total assets | 58.1550% | 4,048 |
| Net loans and leases to deposits | 63.8481% | 4,558 |
| Net loans and leases to core deposits | 65.2829% | 4,771 |
| Total domestic deposits to total assets | 91.0835% | 340 |
| Equity capital to assets | 8.4007% | 5,875 |
| Core capital (leverage) ratio | 7.8917% | 6,136 |
| Tier 1 risk-based capital ratio | 14.0734% | 4,160 |
| Total risk-based capital ratio | 15.3319% | 4,098 |
| Memoranda: | ||
| Average total assets | $164,774,750 | 3,442 |
| Average earning assets | $147,278,250 | 3,517 |
| Average equity | $13,365,750 | 4,154 |
| Average total loans | $94,842,250 | 3,562 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8552% | 4,311 |
| Cost of funding earning assets | 0.3099% | 4,881 |
| Net interest margin | 3.5454% | 3,592 |
| Noninterest income to average assets | 0.3156% | 4,885 |
| Noninterest expense to average assets | 2.7276% | 3,765 |
| Loan and lease loss provision to assets | 0.0242% | 3,794 |
| Net operating income to assets | 0.4764% | 4,909 |
| Return on assets (ROA) | 0.4764% | 4,979 |
| Pretax return on assets | 0.7315% | 4,531 |
| Return on Equity (ROE) | 5.9422% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.9422% | 2,354 |
| Net charge-offs to loans | -0.2015% | 6,343 |
| Credit loss provision to net charge-offs | -21.0526% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3061% | 2,256 |
| Assets per employee ($millions) | 4.7121% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 1,748 |
| Loan loss allowance to noncurrent loans | 39.1796% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 5.2181% | 335 |
| Noncurrent loans to loans | 4.6786% | 457 |
| Net loans and leases to total assets | 57.3776% | 4,068 |
| Net loans and leases to deposits | 62.8645% | 4,608 |
| Net loans and leases to core deposits | 64.2544% | 4,800 |
| Total domestic deposits to total assets | 91.2718% | 317 |
| Equity capital to assets | 8.1983% | 6,025 |
| Core capital (leverage) ratio | 7.5938% | 6,279 |
| Tier 1 risk-based capital ratio | 13.6039% | 4,524 |
| Total risk-based capital ratio | 14.8619% | 4,453 |
| Memoranda: | ||
| Average total assets | $165,418,330 | 3,451 |
| Average earning assets | $147,798,670 | 3,521 |
| Average equity | $13,261,000 | 4,174 |
| Average total loans | $94,295,000 | 3,584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 4,251 |
| Cost of funding earning assets | 0.3187% | 4,877 |
| Net interest margin | 3.5406% | 3,518 |
| Noninterest income to average assets | 0.2897% | 5,056 |
| Noninterest expense to average assets | 2.5642% | 4,400 |
| Loan and lease loss provision to assets | 0.0483% | 3,129 |
| Net operating income to assets | 0.5433% | 4,485 |
| Return on assets (ROA) | 0.5433% | 4,557 |
| Pretax return on assets | 0.8427% | 3,931 |
| Return on Equity (ROE) | 6.8540% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.8540% | 2,112 |
| Net charge-offs to loans | -0.2359% | 6,426 |
| Credit loss provision to net charge-offs | -36.3636% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2138% | 3,090 |
| Assets per employee ($millions) | 4.4740% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8286% | 1,958 |
| Loan loss allowance to noncurrent loans | 36.6822% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 5.3323% | 364 |
| Noncurrent loans to loans | 4.9849% | 449 |
| Net loans and leases to total assets | 56.0098% | 4,142 |
| Net loans and leases to deposits | 61.2424% | 4,633 |
| Net loans and leases to core deposits | 62.5843% | 4,819 |
| Total domestic deposits to total assets | 91.4558% | 393 |
| Equity capital to assets | 8.0271% | 6,037 |
| Core capital (leverage) ratio | 7.4148% | 6,367 |
| Tier 1 risk-based capital ratio | 13.5436% | 4,651 |
| Total risk-based capital ratio | 14.8016% | 4,587 |
| Memoranda: | ||
| Average total assets | $165,665,000 | 3,471 |
| Average earning assets | $148,111,500 | 3,541 |
| Average equity | $13,131,000 | 4,212 |
| Average total loans | $93,244,000 | 3,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 4,513 |
| Cost of funding earning assets | 0.3949% | 4,702 |
| Net interest margin | 3.4909% | 3,944 |
| Noninterest income to average assets | 0.2928% | 5,256 |
| Noninterest expense to average assets | 2.9076% | 3,347 |
| Loan and lease loss provision to assets | -0.0536% | 6,394 |
| Net operating income to assets | 0.3583% | 5,302 |
| Return on assets (ROA) | 0.3583% | 5,420 |
| Pretax return on assets | 0.5428% | 5,064 |
| Return on Equity (ROE) | 4.6762% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.6762% | 2,828 |
| Net charge-offs to loans | 0.7460% | 859 |
| Credit loss provision to net charge-offs | -12.4827% | 5,693 |
| Earnings coverage of net charge-offs (x) | 1.1401% | 4,696 |
| Efficiency ratio | 85.5966% | 1,455 |
| Assets per employee ($millions) | 4.8762% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,078 |
| Loan loss allowance to noncurrent loans | 31.5267% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 5.6185% | 367 |
| Noncurrent loans to loans | 5.6930% | 384 |
| Net loans and leases to total assets | 54.5211% | 4,525 |
| Net loans and leases to deposits | 59.4705% | 4,980 |
| Net loans and leases to core deposits | 61.2272% | 5,130 |
| Total domestic deposits to total assets | 91.6775% | 360 |
| Equity capital to assets | 7.8255% | 6,128 |
| Core capital (leverage) ratio | 7.2179% | 6,470 |
| Tier 1 risk-based capital ratio | 13.4335% | 4,696 |
| Total risk-based capital ratio | 14.6912% | 4,630 |
| Memoranda: | ||
| Average total assets | $168,009,400 | 3,442 |
| Average earning assets | $149,390,000 | 3,515 |
| Average equity | $12,873,800 | 4,289 |
| Average total loans | $96,645,400 | 3,541 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 4,554 |
| Cost of funding earning assets | 0.4079% | 4,756 |
| Net interest margin | 3.4773% | 3,983 |
| Noninterest income to average assets | 0.3267% | 5,073 |
| Noninterest expense to average assets | 2.8594% | 3,448 |
| Loan and lease loss provision to assets | -0.0712% | 6,579 |
| Net operating income to assets | 0.4097% | 5,215 |
| Return on assets (ROA) | 0.4097% | 5,348 |
| Pretax return on assets | 0.6265% | 4,929 |
| Return on Equity (ROE) | 5.3752% | 4,522 |
| Retained earnings to average equity (ytd only) | 5.3752% | 2,816 |
| Net charge-offs to loans | 0.4049% | 1,582 |
| Credit loss provision to net charge-offs | -30.3030% | 5,673 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 4,048 |
| Efficiency ratio | 83.7387% | 1,636 |
| Assets per employee ($millions) | 4.7749% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1777% | 1,364 |
| Loan loss allowance to noncurrent loans | 37.3314% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 6.2224% | 367 |
| Noncurrent loans to loans | 5.8334% | 447 |
| Net loans and leases to total assets | 55.7996% | 4,348 |
| Net loans and leases to deposits | 60.9002% | 4,877 |
| Net loans and leases to core deposits | 62.7065% | 5,045 |
| Total domestic deposits to total assets | 91.6247% | 333 |
| Equity capital to assets | 7.7542% | 6,279 |
| Core capital (leverage) ratio | 7.1140% | 6,566 |
| Tier 1 risk-based capital ratio | 12.7104% | 5,319 |
| Total risk-based capital ratio | 13.9722% | 5,259 |
| Memoranda: | ||
| Average total assets | $168,564,000 | 3,475 |
| Average earning assets | $149,689,000 | 3,539 |
| Average equity | $12,848,750 | 4,338 |
| Average total loans | $97,796,000 | 3,530 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 4,301 |
| Cost of funding earning assets | 0.4237% | 4,721 |
| Net interest margin | 3.5239% | 3,684 |
| Noninterest income to average assets | 0.3029% | 5,283 |
| Noninterest expense to average assets | 2.8513% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3810% | 5,292 |
| Return on assets (ROA) | 0.3810% | 5,455 |
| Pretax return on assets | 0.5809% | 5,094 |
| Return on Equity (ROE) | 5.0265% | 4,719 |
| Retained earnings to average equity (ytd only) | 5.0265% | 3,041 |
| Net charge-offs to loans | 0.2677% | 2,135 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.7197% | 3,322 |
| Efficiency ratio | 83.0748% | 1,746 |
| Assets per employee ($millions) | 4.8047% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4191% | 1,074 |
| Loan loss allowance to noncurrent loans | 41.9622% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 6.2617% | 423 |
| Noncurrent loans to loans | 5.7648% | 519 |
| Net loans and leases to total assets | 55.9147% | 4,306 |
| Net loans and leases to deposits | 60.8724% | 4,879 |
| Net loans and leases to core deposits | 62.6584% | 5,042 |
| Total domestic deposits to total assets | 91.8556% | 277 |
| Equity capital to assets | 7.6455% | 6,394 |
| Core capital (leverage) ratio | 6.8092% | 6,657 |
| Tier 1 risk-based capital ratio | 12.1789% | 5,691 |
| Total risk-based capital ratio | 13.4446% | 5,627 |
| Memoranda: | ||
| Average total assets | $169,044,330 | 3,479 |
| Average earning assets | $150,117,670 | 3,551 |
| Average equity | $12,812,000 | 4,371 |
| Average total loans | $98,618,000 | 3,529 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,880 |
| Cost of funding earning assets | 0.4360% | 4,745 |
| Net interest margin | 3.6259% | 3,160 |
| Noninterest income to average assets | 0.1180% | 6,511 |
| Noninterest expense to average assets | 2.7519% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3800% | 5,213 |
| Return on assets (ROA) | 0.3800% | 5,353 |
| Pretax return on assets | 0.5853% | 5,002 |
| Return on Equity (ROE) | 5.0354% | 4,549 |
| Retained earnings to average equity (ytd only) | 5.0354% | 3,208 |
| Net charge-offs to loans | 0.0962% | 2,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 1,754 |
| Efficiency ratio | 82.4611% | 1,971 |
| Assets per employee ($millions) | 4.5541% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4580% | 1,165 |
| Loan loss allowance to noncurrent loans | 40.4143% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 6.4510% | 465 |
| Noncurrent loans to loans | 6.0820% | 543 |
| Net loans and leases to total assets | 57.4406% | 3,853 |
| Net loans and leases to deposits | 62.4902% | 4,473 |
| Net loans and leases to core deposits | 64.3157% | 4,709 |
| Total domestic deposits to total assets | 91.9193% | 263 |
| Equity capital to assets | 7.6433% | 6,543 |
| Core capital (leverage) ratio | 6.5773% | 6,733 |
| Tier 1 risk-based capital ratio | 11.8100% | 6,021 |
| Total risk-based capital ratio | 13.0771% | 5,994 |
| Memoranda: | ||
| Average total assets | $169,484,000 | 3,506 |
| Average earning assets | $150,475,000 | 3,585 |
| Average equity | $12,789,500 | 4,423 |
| Average total loans | $99,747,000 | 3,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2635% | 4,349 |
| Cost of funding earning assets | 0.5364% | 4,942 |
| Net interest margin | 3.7271% | 3,534 |
| Noninterest income to average assets | 0.1036% | 6,487 |
| Noninterest expense to average assets | 3.3534% | 2,182 |
| Loan and lease loss provision to assets | 0.0294% | 5,527 |
| Net operating income to assets | 0.0388% | 6,103 |
| Return on assets (ROA) | 0.0388% | 6,245 |
| Pretax return on assets | 0.0294% | 6,250 |
| Return on Equity (ROE) | 0.5161% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.5161% | 5,590 |
| Net charge-offs to loans | 0.4848% | 2,296 |
| Credit loss provision to net charge-offs | 9.9206% | 5,398 |
| Earnings coverage of net charge-offs (x) | 0.1984% | 5,378 |
| Efficiency ratio | 98.2750% | 617 |
| Assets per employee ($millions) | 4.6072% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4564% | 1,177 |
| Loan loss allowance to noncurrent loans | 39.6810% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 6.6060% | 497 |
| Noncurrent loans to loans | 6.1905% | 567 |
| Net loans and leases to total assets | 57.3742% | 4,068 |
| Net loans and leases to deposits | 62.4339% | 4,734 |
| Net loans and leases to core deposits | 64.3452% | 4,919 |
| Total domestic deposits to total assets | 91.8958% | 263 |
| Equity capital to assets | 7.4501% | 6,652 |
| Core capital (leverage) ratio | 6.5154% | 6,792 |
| Tier 1 risk-based capital ratio | 11.6299% | 6,016 |
| Total risk-based capital ratio | 12.8962% | 5,963 |
| Memoranda: | ||
| Average total assets | $169,888,400 | 3,454 |
| Average earning assets | $150,816,000 | 3,537 |
| Average equity | $12,787,800 | 4,406 |
| Average total loans | $103,955,400 | 3,431 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 4,488 |
| Cost of funding earning assets | 0.5598% | 4,995 |
| Net interest margin | 3.7296% | 3,659 |
| Noninterest income to average assets | 0.0950% | 6,636 |
| Noninterest expense to average assets | 3.2409% | 2,449 |
| Loan and lease loss provision to assets | 0.0393% | 5,284 |
| Net operating income to assets | 0.0990% | 6,133 |
| Return on assets (ROA) | 0.0990% | 6,274 |
| Pretax return on assets | 0.1273% | 6,233 |
| Return on Equity (ROE) | 1.3115% | 6,190 |
| Retained earnings to average equity (ytd only) | 1.3115% | 5,650 |
| Net charge-offs to loans | 0.4564% | 2,274 |
| Credit loss provision to net charge-offs | 13.9276% | 5,030 |
| Earnings coverage of net charge-offs (x) | 0.5905% | 5,022 |
| Efficiency ratio | 95.1130% | 709 |
| Assets per employee ($millions) | 4.7392% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5571% | 1,134 |
| Loan loss allowance to noncurrent loans | 38.9836% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 6.5195% | 578 |
| Noncurrent loans to loans | 6.5594% | 579 |
| Net loans and leases to total assets | 58.2509% | 4,093 |
| Net loans and leases to deposits | 63.2795% | 4,804 |
| Net loans and leases to core deposits | 65.4374% | 5,009 |
| Total domestic deposits to total assets | 92.0533% | 200 |
| Equity capital to assets | 7.5042% | 6,774 |
| Core capital (leverage) ratio | 6.6798% | 6,848 |
| Tier 1 risk-based capital ratio | 11.7275% | 6,095 |
| Total risk-based capital ratio | 12.9957% | 6,066 |
| Memoranda: | ||
| Average total assets | $169,743,750 | 3,489 |
| Average earning assets | $150,754,250 | 3,571 |
| Average equity | $12,809,750 | 4,442 |
| Average total loans | $104,877,500 | 3,435 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 4,239 |
| Cost of funding earning assets | 0.5858% | 5,019 |
| Net interest margin | 3.7998% | 3,364 |
| Noninterest income to average assets | 0.0460% | 6,872 |
| Noninterest expense to average assets | 3.0026% | 3,250 |
| Loan and lease loss provision to assets | 0.0590% | 4,913 |
| Net operating income to assets | 0.2396% | 5,796 |
| Return on assets (ROA) | 0.2396% | 5,985 |
| Pretax return on assets | 0.3529% | 5,820 |
| Return on Equity (ROE) | 3.1689% | 5,619 |
| Retained earnings to average equity (ytd only) | 3.1689% | 4,508 |
| Net charge-offs to loans | 0.2721% | 2,952 |
| Credit loss provision to net charge-offs | 34.7222% | 4,361 |
| Earnings coverage of net charge-offs (x) | 2.4236% | 3,788 |
| Efficiency ratio | 87.9364% | 1,240 |
| Assets per employee ($millions) | 4.6032% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7278% | 1,005 |
| Loan loss allowance to noncurrent loans | 41.8098% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 6.6147% | 615 |
| Noncurrent loans to loans | 6.5242% | 644 |
| Net loans and leases to total assets | 59.1059% | 3,974 |
| Net loans and leases to deposits | 64.2737% | 4,724 |
| Net loans and leases to core deposits | 66.2494% | 4,969 |
| Total domestic deposits to total assets | 91.9597% | 232 |
| Equity capital to assets | 7.5635% | 6,776 |
| Core capital (leverage) ratio | 6.6899% | 6,889 |
| Tier 1 risk-based capital ratio | 11.6181% | 6,160 |
| Total risk-based capital ratio | 12.8883% | 6,130 |
| Memoranda: | ||
| Average total assets | $169,454,330 | 3,505 |
| Average earning assets | $150,217,000 | 3,598 |
| Average equity | $12,812,000 | 4,431 |
| Average total loans | $105,839,670 | 3,438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4313% | 4,196 |
| Cost of funding earning assets | 0.6181% | 4,979 |
| Net interest margin | 3.8131% | 3,330 |
| Noninterest income to average assets | 0.2059% | 6,155 |
| Noninterest expense to average assets | 2.9890% | 3,292 |
| Loan and lease loss provision to assets | 0.1183% | 3,867 |
| Net operating income to assets | 0.3100% | 5,629 |
| Return on assets (ROA) | 0.3100% | 5,792 |
| Pretax return on assets | 0.4709% | 5,524 |
| Return on Equity (ROE) | 4.1011% | 5,248 |
| Retained earnings to average equity (ytd only) | 4.1011% | 4,132 |
| Net charge-offs to loans | 0.3476% | 2,262 |
| Credit loss provision to net charge-offs | 53.7634% | 3,225 |
| Earnings coverage of net charge-offs (x) | 2.6774% | 3,114 |
| Efficiency ratio | 83.5317% | 1,733 |
| Assets per employee ($millions) | 4.6041% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 1,077 |
| Loan loss allowance to noncurrent loans | 39.2945% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 6.9510% | 625 |
| Noncurrent loans to loans | 6.9643% | 642 |
| Net loans and leases to total assets | 59.9636% | 3,675 |
| Net loans and leases to deposits | 65.1184% | 4,473 |
| Net loans and leases to core deposits | 67.3404% | 4,754 |
| Total domestic deposits to total assets | 92.0839% | 241 |
| Equity capital to assets | 7.5433% | 6,762 |
| Core capital (leverage) ratio | 6.6940% | 6,931 |
| Tier 1 risk-based capital ratio | 11.5112% | 6,277 |
| Total risk-based capital ratio | 12.7824% | 6,243 |
| Memoranda: | ||
| Average total assets | $169,022,500 | 3,531 |
| Average earning assets | $149,483,000 | 3,628 |
| Average equity | $12,777,000 | 4,446 |
| Average total loans | $107,014,000 | 3,430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 2,057 |
| Cost of funding earning assets | 1.0048% | 3,341 |
| Net interest margin | 4.1954% | 2,077 |
| Noninterest income to average assets | 0.2265% | 5,915 |
| Noninterest expense to average assets | 2.9832% | 3,653 |
| Loan and lease loss provision to assets | 0.1419% | 4,840 |
| Net operating income to assets | 0.5267% | 4,322 |
| Return on assets (ROA) | 0.5267% | 4,519 |
| Pretax return on assets | 0.8146% | 3,929 |
| Return on Equity (ROE) | 7.5582% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.5582% | 1,248 |
| Net charge-offs to loans | 0.5589% | 2,781 |
| Credit loss provision to net charge-offs | 37.9845% | 5,663 |
| Earnings coverage of net charge-offs (x) | 2.5597% | 3,933 |
| Efficiency ratio | 75.7206% | 2,927 |
| Assets per employee ($millions) | 4.5323% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6760% | 1,101 |
| Loan loss allowance to noncurrent loans | 46.6272% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 6.4671% | 730 |
| Noncurrent loans to loans | 5.7391% | 896 |
| Net loans and leases to total assets | 63.2631% | 3,339 |
| Net loans and leases to deposits | 68.9158% | 4,289 |
| Net loans and leases to core deposits | 70.6596% | 4,694 |
| Total domestic deposits to total assets | 91.7976% | 265 |
| Equity capital to assets | 7.5757% | 6,779 |
| Core capital (leverage) ratio | 6.7139% | 6,941 |
| Tier 1 risk-based capital ratio | 10.9878% | 6,464 |
| Total risk-based capital ratio | 12.2575% | 6,438 |
| Memoranda: | ||
| Average total assets | $172,599,200 | 3,450 |
| Average earning assets | $152,762,600 | 3,537 |
| Average equity | $12,026,600 | 4,547 |
| Average total loans | $115,395,600 | 3,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 4,128 |
| Cost of funding earning assets | 1.1149% | 2,882 |
| Net interest margin | 3.6581% | 4,536 |
| Noninterest income to average assets | 0.2332% | 5,951 |
| Noninterest expense to average assets | 3.0750% | 3,260 |
| Loan and lease loss provision to assets | 0.1879% | 4,152 |
| Net operating income to assets | 0.1419% | 5,856 |
| Return on assets (ROA) | 0.1419% | 5,982 |
| Pretax return on assets | 0.2117% | 5,875 |
| Return on Equity (ROE) | 2.0802% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.0802% | 5,099 |
| Net charge-offs to loans | 0.5265% | 2,653 |
| Credit loss provision to net charge-offs | 53.0303% | 4,968 |
| Earnings coverage of net charge-offs (x) | 1.1277% | 4,781 |
| Efficiency ratio | 88.4989% | 1,295 |
| Assets per employee ($millions) | 4.5053% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7373% | 1,088 |
| Loan loss allowance to noncurrent loans | 34.6679% | 5,978 |
| Noncurrent assets plus other real estate owned to assets | 8.0614% | 545 |
| Noncurrent loans to loans | 7.8957% | 563 |
| Net loans and leases to total assets | 66.0796% | 2,886 |
| Net loans and leases to deposits | 71.7219% | 4,028 |
| Net loans and leases to core deposits | 73.7879% | 4,482 |
| Total domestic deposits to total assets | 92.1330% | 195 |
| Equity capital to assets | 7.2077% | 7,013 |
| Core capital (leverage) ratio | 5.9939% | 7,141 |
| Tier 1 risk-based capital ratio | 9.3935% | 7,066 |
| Total risk-based capital ratio | 10.6644% | 7,063 |
| Memoranda: | ||
| Average total assets | $173,825,250 | 3,450 |
| Average earning assets | $154,028,000 | 3,529 |
| Average equity | $11,857,250 | 4,598 |
| Average total loans | $116,993,000 | 3,261 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7590% | 4,253 |
| Cost of funding earning assets | 1.2829% | 2,049 |
| Net interest margin | 3.4761% | 5,268 |
| Noninterest income to average assets | 0.2350% | 5,965 |
| Noninterest expense to average assets | 3.1589% | 3,054 |
| Loan and lease loss provision to assets | 0.1419% | 4,529 |
| Net operating income to assets | 0.0204% | 6,189 |
| Return on assets (ROA) | 0.0204% | 6,269 |
| Pretax return on assets | 0.0250% | 6,233 |
| Return on Equity (ROE) | 0.3050% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.3050% | 5,718 |
| Net charge-offs to loans | 0.2909% | 3,423 |
| Credit loss provision to net charge-offs | 72.6744% | 3,995 |
| Earnings coverage of net charge-offs (x) | 0.8547% | 4,655 |
| Efficiency ratio | 94.9829% | 925 |
| Assets per employee ($millions) | 4.2294% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8350% | 1,049 |
| Loan loss allowance to noncurrent loans | 36.4793% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 7.8871% | 598 |
| Noncurrent loans to loans | 7.7717% | 602 |
| Net loans and leases to total assets | 66.2466% | 2,983 |
| Net loans and leases to deposits | 71.6211% | 4,179 |
| Net loans and leases to core deposits | 74.4818% | 4,513 |
| Total domestic deposits to total assets | 92.4959% | 161 |
| Equity capital to assets | 7.0011% | 7,101 |
| Core capital (leverage) ratio | 5.3801% | 7,268 |
| Tier 1 risk-based capital ratio | 8.6495% | 7,205 |
| Total risk-based capital ratio | 9.9212% | 7,207 |
| Memoranda: | ||
| Average total assets | $176,201,670 | 3,432 |
| Average earning assets | $156,670,670 | 3,515 |
| Average equity | $11,804,670 | 4,611 |
| Average total loans | $118,240,000 | 3,262 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7186% | 4,440 |
| Cost of funding earning assets | 1.2830% | 2,287 |
| Net interest margin | 3.4355% | 5,285 |
| Noninterest income to average assets | 0.2203% | 6,159 |
| Noninterest expense to average assets | 2.9335% | 3,926 |
| Loan and lease loss provision to assets | 0.1113% | 4,623 |
| Net operating income to assets | 0.1335% | 5,997 |
| Return on assets (ROA) | 0.1335% | 6,054 |
| Pretax return on assets | 0.2448% | 5,823 |
| Return on Equity (ROE) | 2.0365% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.0365% | 4,912 |
| Net charge-offs to loans | 0.1404% | 3,663 |
| Credit loss provision to net charge-offs | 119.0476% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.8095% | 2,627 |
| Efficiency ratio | 89.1746% | 1,402 |
| Assets per employee ($millions) | 4.4717% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8219% | 1,091 |
| Loan loss allowance to noncurrent loans | 37.6259% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 6.9963% | 769 |
| Noncurrent loans to loans | 7.4998% | 696 |
| Net loans and leases to total assets | 64.0168% | 3,437 |
| Net loans and leases to deposits | 72.2065% | 4,044 |
| Net loans and leases to core deposits | 75.2080% | 4,395 |
| Total domestic deposits to total assets | 88.6581% | 1,984 |
| Equity capital to assets | 6.6111% | 7,183 |
| Core capital (leverage) ratio | 5.3143% | 7,327 |
| Tier 1 risk-based capital ratio | 8.6381% | 7,251 |
| Total risk-based capital ratio | 9.9107% | 7,255 |
| Memoranda: | ||
| Average total assets | $179,715,500 | 3,390 |
| Average earning assets | $160,557,500 | 3,450 |
| Average equity | $11,785,000 | 4,605 |
| Average total loans | $119,689,000 | 3,264 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 4,642 |
| Cost of funding earning assets | 1.5132% | 2,561 |
| Net interest margin | 3.4685% | 5,370 |
| Noninterest income to average assets | 0.2232% | 6,207 |
| Noninterest expense to average assets | 2.9817% | 3,918 |
| Loan and lease loss provision to assets | 1.2986% | 1,184 |
| Net operating income to assets | -0.5484% | 6,419 |
| Return on assets (ROA) | -0.5484% | 6,446 |
| Pretax return on assets | -0.9392% | 6,596 |
| Return on Equity (ROE) | -8.0101% | 6,625 |
| Retained earnings to average equity (ytd only) | -8.0101% | 6,538 |
| Net charge-offs to loans | 1.6242% | 1,333 |
| Credit loss provision to net charge-offs | 111.5607% | 3,930 |
| Earnings coverage of net charge-offs (x) | 0.3088% | 5,797 |
| Efficiency ratio | 89.2432% | 1,383 |
| Assets per employee ($millions) | 4.5141% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7290% | 1,137 |
| Loan loss allowance to noncurrent loans | 37.1320% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 6.5894% | 860 |
| Noncurrent loans to loans | 7.3494% | 747 |
| Net loans and leases to total assets | 65.4787% | 3,565 |
| Net loans and leases to deposits | 74.3143% | 4,141 |
| Net loans and leases to core deposits | 77.3824% | 4,538 |
| Total domestic deposits to total assets | 88.1106% | 2,184 |
| Equity capital to assets | 6.5046% | 7,254 |
| Core capital (leverage) ratio | 5.2036% | 7,395 |
| Tier 1 risk-based capital ratio | 8.2681% | 7,331 |
| Total risk-based capital ratio | 9.5393% | 7,337 |
| Memoranda: | ||
| Average total assets | $178,352,400 | 3,406 |
| Average earning assets | $160,327,600 | 3,443 |
| Average equity | $12,209,600 | 4,553 |
| Average total loans | $127,815,200 | 3,163 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0508% | 4,588 |
| Cost of funding earning assets | 1.5474% | 2,693 |
| Net interest margin | 3.5034% | 5,278 |
| Noninterest income to average assets | 0.2340% | 6,211 |
| Noninterest expense to average assets | 3.0153% | 3,689 |
| Loan and lease loss provision to assets | 1.4863% | 900 |
| Net operating income to assets | -0.6562% | 6,701 |
| Return on assets (ROA) | -0.6562% | 6,747 |
| Pretax return on assets | -1.1166% | 6,904 |
| Return on Equity (ROE) | -9.4651% | 6,903 |
| Retained earnings to average equity (ytd only) | -9.4651% | 6,848 |
| Net charge-offs to loans | 2.0332% | 927 |
| Credit loss provision to net charge-offs | 100.4562% | 4,293 |
| Earnings coverage of net charge-offs (x) | 0.2499% | 5,766 |
| Efficiency ratio | 89.0784% | 1,360 |
| Assets per employee ($millions) | 4.4950% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4628% | 1,387 |
| Loan loss allowance to noncurrent loans | 35.4917% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 6.6785% | 844 |
| Noncurrent loans to loans | 6.9392% | 817 |
| Net loans and leases to total assets | 67.9733% | 3,223 |
| Net loans and leases to deposits | 77.5980% | 3,905 |
| Net loans and leases to core deposits | 80.4879% | 4,453 |
| Total domestic deposits to total assets | 87.5968% | 2,213 |
| Equity capital to assets | 6.6040% | 7,413 |
| Core capital (leverage) ratio | 5.3720% | 7,510 |
| Tier 1 risk-based capital ratio | 8.1447% | 7,469 |
| Total risk-based capital ratio | 9.4118% | 7,474 |
| Memoranda: | ||
| Average total assets | $177,799,500 | 3,456 |
| Average earning assets | $159,917,250 | 3,499 |
| Average equity | $12,325,750 | 4,592 |
| Average total loans | $129,382,000 | 3,179 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 4,627 |
| Cost of funding earning assets | 1.5635% | 2,879 |
| Net interest margin | 3.5041% | 5,232 |
| Noninterest income to average assets | 0.2078% | 6,428 |
| Noninterest expense to average assets | 3.0361% | 3,566 |
| Loan and lease loss provision to assets | 1.1923% | 1,176 |
| Net operating income to assets | -0.4979% | 6,649 |
| Return on assets (ROA) | -0.4979% | 6,689 |
| Pretax return on assets | -0.8626% | 6,821 |
| Return on Equity (ROE) | -7.0694% | 6,839 |
| Retained earnings to average equity (ytd only) | -7.0694% | 6,744 |
| Net charge-offs to loans | 1.8265% | 1,015 |
| Credit loss provision to net charge-offs | 88.4422% | 4,465 |
| Earnings coverage of net charge-offs (x) | 0.2446% | 5,486 |
| Efficiency ratio | 90.2046% | 1,318 |
| Assets per employee ($millions) | 4.4665% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2865% | 1,609 |
| Loan loss allowance to noncurrent loans | 33.2466% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 6.3120% | 912 |
| Noncurrent loans to loans | 6.8773% | 841 |
| Net loans and leases to total assets | 70.3006% | 2,838 |
| Net loans and leases to deposits | 80.3731% | 3,541 |
| Net loans and leases to core deposits | 83.3200% | 4,238 |
| Total domestic deposits to total assets | 87.4678% | 2,275 |
| Equity capital to assets | 6.8930% | 7,383 |
| Core capital (leverage) ratio | 5.9277% | 7,488 |
| Tier 1 risk-based capital ratio | 8.7814% | 7,451 |
| Total risk-based capital ratio | 10.0466% | 7,462 |
| Memoranda: | ||
| Average total assets | $177,132,670 | 3,481 |
| Average earning assets | $159,642,670 | 3,525 |
| Average equity | $12,476,330 | 4,556 |
| Average total loans | $130,742,000 | 3,184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 4,165 |
| Cost of funding earning assets | 1.5973% | 2,981 |
| Net interest margin | 3.5770% | 4,827 |
| Noninterest income to average assets | 0.2495% | 6,155 |
| Noninterest expense to average assets | 3.1593% | 3,014 |
| Loan and lease loss provision to assets | 1.6851% | 675 |
| Net operating income to assets | -0.8097% | 7,009 |
| Return on assets (ROA) | -0.8097% | 7,036 |
| Pretax return on assets | -1.3699% | 7,211 |
| Return on Equity (ROE) | -11.3721% | 7,186 |
| Retained earnings to average equity (ytd only) | -11.3721% | 7,036 |
| Net charge-offs to loans | 1.1013% | 1,527 |
| Credit loss provision to net charge-offs | 204.6832% | 1,820 |
| Earnings coverage of net charge-offs (x) | 0.3829% | 4,696 |
| Efficiency ratio | 90.9269% | 1,358 |
| Assets per employee ($millions) | 4.7374% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6399% | 1,138 |
| Loan loss allowance to noncurrent loans | 44.4287% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 5.9230% | 1,023 |
| Noncurrent loans to loans | 5.9418% | 1,115 |
| Net loans and leases to total assets | 72.7378% | 2,278 |
| Net loans and leases to deposits | 83.3276% | 3,053 |
| Net loans and leases to core deposits | 85.9863% | 3,897 |
| Total domestic deposits to total assets | 87.2914% | 2,469 |
| Equity capital to assets | 7.0623% | 7,340 |
| Core capital (leverage) ratio | 6.0166% | 7,577 |
| Tier 1 risk-based capital ratio | 8.6397% | 7,540 |
| Total risk-based capital ratio | 9.9097% | 7,558 |
| Memoranda: | ||
| Average total assets | $176,369,000 | 3,554 |
| Average earning assets | $159,015,500 | 3,586 |
| Average equity | $12,557,000 | 4,573 |
| Average total loans | $131,844,000 | 3,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5375% | 3,941 |
| Cost of funding earning assets | 2.5212% | 979 |
| Net interest margin | 3.0163% | 6,606 |
| Noninterest income to average assets | 0.2763% | 6,129 |
| Noninterest expense to average assets | 2.8640% | 4,683 |
| Loan and lease loss provision to assets | 1.7366% | 1,312 |
| Net operating income to assets | -0.9413% | 6,535 |
| Return on assets (ROA) | -0.9055% | 6,513 |
| Pretax return on assets | -1.5147% | 6,714 |
| Return on Equity (ROE) | -12.1676% | 6,776 |
| Retained earnings to average equity (ytd only) | -12.1676% | 6,694 |
| Net charge-offs to loans | 1.4048% | 1,785 |
| Credit loss provision to net charge-offs | 164.7420% | 2,649 |
| Earnings coverage of net charge-offs (x) | 0.1574% | 6,005 |
| Efficiency ratio | 94.5244% | 1,379 |
| Assets per employee ($millions) | 4.7961% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3182% | 1,452 |
| Loan loss allowance to noncurrent loans | 56.8551% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 4.1306% | 1,588 |
| Noncurrent loans to loans | 4.0773% | 1,812 |
| Net loans and leases to total assets | 73.0647% | 2,493 |
| Net loans and leases to deposits | 83.8710% | 3,300 |
| Net loans and leases to core deposits | 104.8182% | 3,469 |
| Total domestic deposits to total assets | 87.1156% | 2,430 |
| Equity capital to assets | 7.1765% | 7,278 |
| Core capital (leverage) ratio | 6.1061% | 7,611 |
| Tier 1 risk-based capital ratio | 8.7812% | 7,542 |
| Total risk-based capital ratio | 10.0457% | 7,570 |
| Memoranda: | ||
| Average total assets | $185,649,600 | 3,343 |
| Average earning assets | $169,481,000 | 3,358 |
| Average equity | $13,815,400 | 4,311 |
| Average total loans | $139,304,000 | 3,101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5181% | 4,326 |
| Cost of funding earning assets | 2.6628% | 880 |
| Net interest margin | 2.8553% | 6,955 |
| Noninterest income to average assets | 0.2877% | 6,179 |
| Noninterest expense to average assets | 2.8108% | 4,846 |
| Loan and lease loss provision to assets | 0.6997% | 2,636 |
| Net operating income to assets | -0.3395% | 6,253 |
| Return on assets (ROA) | -0.3395% | 6,263 |
| Pretax return on assets | -0.6102% | 6,402 |
| Return on Equity (ROE) | -4.5247% | 6,402 |
| Retained earnings to average equity (ytd only) | -4.5247% | 6,191 |
| Net charge-offs to loans | 0.8892% | 2,183 |
| Credit loss provision to net charge-offs | 104.7872% | 4,850 |
| Earnings coverage of net charge-offs (x) | 0.1340% | 5,895 |
| Efficiency ratio | 96.9140% | 1,216 |
| Assets per employee ($millions) | 4.5440% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,273 |
| Loan loss allowance to noncurrent loans | 26.9114% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 3.9969% | 1,601 |
| Noncurrent loans to loans | 4.9700% | 1,340 |
| Net loans and leases to total assets | 71.6998% | 3,111 |
| Net loans and leases to deposits | 83.9197% | 3,658 |
| Net loans and leases to core deposits | 110.5378% | 3,179 |
| Total domestic deposits to total assets | 85.4386% | 3,002 |
| Equity capital to assets | 7.3425% | 7,401 |
| Core capital (leverage) ratio | 7.0740% | 7,384 |
| Tier 1 risk-based capital ratio | 9.2201% | 7,529 |
| Total risk-based capital ratio | 10.4704% | 7,523 |
| Memoranda: | ||
| Average total assets | $187,698,250 | 3,341 |
| Average earning assets | $171,744,250 | 3,348 |
| Average equity | $14,085,500 | 4,275 |
| Average total loans | $140,946,500 | 3,097 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 4,622 |
| Cost of funding earning assets | 2.6805% | 1,076 |
| Net interest margin | 2.8207% | 6,974 |
| Noninterest income to average assets | 0.1886% | 6,947 |
| Noninterest expense to average assets | 2.7667% | 5,106 |
| Loan and lease loss provision to assets | 0.8679% | 1,941 |
| Net operating income to assets | -0.4961% | 6,547 |
| Return on assets (ROA) | -0.4961% | 6,555 |
| Pretax return on assets | -0.8594% | 6,720 |
| Return on Equity (ROE) | -6.5629% | 6,765 |
| Retained earnings to average equity (ytd only) | -6.5629% | 6,517 |
| Net charge-offs to loans | 1.1165% | 1,629 |
| Credit loss provision to net charge-offs | 102.4020% | 4,468 |
| Earnings coverage of net charge-offs (x) | 0.0101% | 5,677 |
| Efficiency ratio | 99.6911% | 1,193 |
| Assets per employee ($millions) | 4.5962% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,356 |
| Loan loss allowance to noncurrent loans | 25.8845% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 3.7489% | 1,637 |
| Noncurrent loans to loans | 4.9678% | 1,239 |
| Net loans and leases to total assets | 72.7344% | 3,019 |
| Net loans and leases to deposits | 85.2829% | 3,684 |
| Net loans and leases to core deposits | 111.7836% | 3,156 |
| Total domestic deposits to total assets | 85.2861% | 3,116 |
| Equity capital to assets | 7.2269% | 7,469 |
| Core capital (leverage) ratio | 7.1114% | 7,443 |
| Tier 1 risk-based capital ratio | 9.4909% | 7,393 |
| Total risk-based capital ratio | 10.7414% | 7,352 |
| Memoranda: | ||
| Average total assets | $186,648,670 | 3,385 |
| Average earning assets | $171,161,000 | 3,374 |
| Average equity | $14,109,670 | 4,281 |
| Average total loans | $141,698,000 | 3,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 4,421 |
| Cost of funding earning assets | 2.7009% | 1,269 |
| Net interest margin | 2.8890% | 6,770 |
| Noninterest income to average assets | 0.1417% | 7,287 |
| Noninterest expense to average assets | 2.8672% | 4,274 |
| Loan and lease loss provision to assets | 0.9812% | 1,322 |
| Net operating income to assets | -0.6258% | 6,988 |
| Return on assets (ROA) | -0.6258% | 7,029 |
| Pretax return on assets | -1.0619% | 7,178 |
| Return on Equity (ROE) | -8.0908% | 7,243 |
| Retained earnings to average equity (ytd only) | -8.0908% | 6,924 |
| Net charge-offs to loans | 1.4141% | 1,008 |
| Credit loss provision to net charge-offs | 90.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0740% | 5,047 |
| Efficiency ratio | 102.8951% | 1,021 |
| Assets per employee ($millions) | 4.4726% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,382 |
| Loan loss allowance to noncurrent loans | 22.0579% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 4.2476% | 1,170 |
| Noncurrent loans to loans | 5.6881% | 873 |
| Net loans and leases to total assets | 73.7374% | 2,823 |
| Net loans and leases to deposits | 86.8182% | 3,508 |
| Net loans and leases to core deposits | 113.1640% | 3,083 |
| Total domestic deposits to total assets | 84.9331% | 3,239 |
| Equity capital to assets | 7.4922% | 7,357 |
| Core capital (leverage) ratio | 7.5516% | 7,090 |
| Tier 1 risk-based capital ratio | 9.7345% | 7,215 |
| Total risk-based capital ratio | 10.9749% | 7,139 |
| Memoranda: | ||
| Average total assets | $183,452,000 | 3,454 |
| Average earning assets | $167,947,000 | 3,450 |
| Average equity | $14,189,000 | 4,297 |
| Average total loans | $141,428,500 | 3,145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3761% | 3,542 |
| Cost of funding earning assets | 3.1173% | 1,460 |
| Net interest margin | 3.2588% | 6,182 |
| Noninterest income to average assets | 0.3230% | 6,140 |
| Noninterest expense to average assets | 3.0860% | 3,757 |
| Loan and lease loss provision to assets | 0.2697% | 4,240 |
| Net operating income to assets | 0.0074% | 6,347 |
| Return on assets (ROA) | 0.0074% | 6,210 |
| Pretax return on assets | -0.0664% | 6,230 |
| Return on Equity (ROE) | 0.0996% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.0996% | 5,173 |
| Net charge-offs to loans | 1.0684% | 1,144 |
| Credit loss provision to net charge-offs | 31.2500% | 6,518 |
| Earnings coverage of net charge-offs (x) | 0.2355% | 6,090 |
| Efficiency ratio | 93.8212% | 1,287 |
| Assets per employee ($millions) | 4.2632% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 3,992 |
| Loan loss allowance to noncurrent loans | 25.6048% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 4.1255% | 977 |
| Noncurrent loans to loans | 4.9578% | 896 |
| Net loans and leases to total assets | 78.6194% | 1,973 |
| Net loans and leases to deposits | 93.1784% | 2,933 |
| Net loans and leases to core deposits | 114.0436% | 3,336 |
| Total domestic deposits to total assets | 84.3752% | 3,142 |
| Equity capital to assets | 7.9886% | 6,858 |
| Core capital (leverage) ratio | 8.1223% | 6,295 |
| Tier 1 risk-based capital ratio | 9.8618% | 6,886 |
| Total risk-based capital ratio | 11.1117% | 6,772 |
| Memoranda: | ||
| Average total assets | $176,152,200 | 3,460 |
| Average earning assets | $160,333,400 | 3,467 |
| Average equity | $13,053,400 | 4,557 |
| Average total loans | $142,267,400 | 3,054 |