Home > First State Bank > Performance and Condition Ratios
First State 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 | 2.9330% | 5,358 |
| Cost of funding earning assets | 0.2236% | 4,896 |
| Net interest margin | 2.7094% | 5,215 |
| Noninterest income to average assets | 0.4941% | 2,894 |
| Noninterest expense to average assets | 2.4325% | 3,814 |
| Loan and lease loss provision to assets | 0.0631% | 2,640 |
| Net operating income to assets | 0.2954% | 5,121 |
| Return on assets (ROA) | 0.2954% | 5,115 |
| Pretax return on assets | 0.3427% | 5,116 |
| Return on Equity (ROE) | 2.2955% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.2955% | 4,362 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2963% | 2,119 |
| Assets per employee ($millions) | 6.7511% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1398% | 5,469 |
| Loan loss allowance to noncurrent loans | 70.5882% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 4,103 |
| Noncurrent loans to loans | 0.1980% | 4,017 |
| Net loans and leases to total assets | 21.8917% | 5,428 |
| Net loans and leases to deposits | 25.6254% | 5,433 |
| Net loans and leases to core deposits | 25.6834% | 5,437 |
| Total domestic deposits to total assets | 85.4297% | 2,521 |
| Equity capital to assets | 14.3966% | 835 |
| Core capital (leverage) ratio | 12.7272% | 1,337 |
| Tier 1 risk-based capital ratio | 24.9584% | 736 |
| Total risk-based capital ratio | 25.0182% | 827 |
| Memoranda: | ||
| Average total assets | $190,258,330 | 3,003 |
| Average earning assets | $164,612,330 | 3,120 |
| Average equity | $24,482,670 | 2,705 |
| Average total loans | $46,122,670 | 4,486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5293% | 5,530 |
| Cost of funding earning assets | 0.2067% | 4,974 |
| Net interest margin | 2.3225% | 5,464 |
| Noninterest income to average assets | 0.4480% | 3,125 |
| Noninterest expense to average assets | 2.6155% | 3,293 |
| Loan and lease loss provision to assets | 0.0640% | 2,488 |
| Net operating income to assets | -0.1387% | 5,430 |
| Return on assets (ROA) | -0.1387% | 5,426 |
| Pretax return on assets | -0.1941% | 5,437 |
| Return on Equity (ROE) | -1.1489% | 5,425 |
| Retained earnings to average equity (ytd only) | -1.1489% | 4,927 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4979% | 510 |
| Assets per employee ($millions) | 7.4849% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0642% | 5,547 |
| Loan loss allowance to noncurrent loans | 31.9149% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1752% | 4,210 |
| Noncurrent loans to loans | 0.2012% | 4,066 |
| Net loans and leases to total assets | 23.1022% | 5,475 |
| Net loans and leases to deposits | 26.8660% | 5,481 |
| Net loans and leases to core deposits | 26.9258% | 5,485 |
| Total domestic deposits to total assets | 85.9906% | 2,539 |
| Equity capital to assets | 13.8738% | 926 |
| Core capital (leverage) ratio | 13.0843% | 1,148 |
| Tier 1 risk-based capital ratio | 24.4099% | 803 |
| Total risk-based capital ratio | 24.4397% | 897 |
| Memoranda: | ||
| Average total assets | $187,496,500 | 3,057 |
| Average earning assets | $164,475,500 | 3,154 |
| Average equity | $22,631,000 | 2,901 |
| Average total loans | $47,724,000 | 4,492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2004% | 5,189 |
| Cost of funding earning assets | 0.2334% | 4,700 |
| Net interest margin | 2.9670% | 4,954 |
| Noninterest income to average assets | 0.5289% | 2,825 |
| Noninterest expense to average assets | 2.8933% | 2,479 |
| Loan and lease loss provision to assets | -0.2897% | 5,611 |
| Net operating income to assets | 0.6101% | 3,963 |
| Return on assets (ROA) | 0.6101% | 4,002 |
| Pretax return on assets | 0.6130% | 4,717 |
| Return on Equity (ROE) | 6.3086% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.3086% | 1,378 |
| Net charge-offs to loans | -0.8286% | 5,625 |
| Credit loss provision to net charge-offs | 111.1111% | 2,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9496% | 434 |
| Assets per employee ($millions) | 5.4031% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9674% | 148 |
| Loan loss allowance to noncurrent loans | 1,853.8462% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 4,042 |
| Noncurrent loans to loans | 0.1601% | 4,288 |
| Net loans and leases to total assets | 27.3476% | 5,485 |
| Net loans and leases to deposits | 30.3968% | 5,511 |
| Net loans and leases to core deposits | 30.4747% | 5,522 |
| Total domestic deposits to total assets | 89.9688% | 579 |
| Equity capital to assets | 9.9618% | 3,743 |
| Core capital (leverage) ratio | 10.7058% | 2,645 |
| Tier 1 risk-based capital ratio | 23.6944% | 844 |
| Total risk-based capital ratio | 24.9508% | 829 |
| Memoranda: | ||
| Average total assets | $172,607,200 | 3,217 |
| Average earning assets | $156,355,200 | 3,237 |
| Average equity | $16,691,600 | 3,515 |
| Average total loans | $54,310,000 | 4,353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2046% | 5,222 |
| Cost of funding earning assets | 0.2350% | 4,705 |
| Net interest margin | 2.9696% | 4,990 |
| Noninterest income to average assets | 0.5286% | 2,848 |
| Noninterest expense to average assets | 2.9505% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2597% | 5,285 |
| Return on assets (ROA) | 0.2597% | 5,302 |
| Pretax return on assets | 0.2635% | 5,330 |
| Return on Equity (ROE) | 2.7055% | 5,174 |
| Retained earnings to average equity (ytd only) | 2.7055% | 4,278 |
| Net charge-offs to loans | -0.9526% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8009% | 348 |
| Assets per employee ($millions) | 5.2413% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6692% | 88 |
| Loan loss allowance to noncurrent loans | 860.9091% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 3,870 |
| Noncurrent loans to loans | 0.4262% | 3,422 |
| Net loans and leases to total assets | 28.7488% | 5,525 |
| Net loans and leases to deposits | 31.9469% | 5,563 |
| Net loans and leases to core deposits | 32.0286% | 5,578 |
| Total domestic deposits to total assets | 89.9892% | 478 |
| Equity capital to assets | 9.8870% | 4,040 |
| Core capital (leverage) ratio | 10.4080% | 3,077 |
| Tier 1 risk-based capital ratio | 21.7548% | 1,076 |
| Total risk-based capital ratio | 23.0168% | 1,055 |
| Memoranda: | ||
| Average total assets | $172,534,000 | 3,237 |
| Average earning assets | $156,021,000 | 3,275 |
| Average equity | $16,558,500 | 3,563 |
| Average total loans | $55,705,000 | 4,338 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 5,236 |
| Cost of funding earning assets | 0.2367% | 4,667 |
| Net interest margin | 2.9661% | 4,977 |
| Noninterest income to average assets | 0.5221% | 2,885 |
| Noninterest expense to average assets | 2.9944% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1972% | 5,399 |
| Return on assets (ROA) | 0.1972% | 5,410 |
| Pretax return on assets | 0.2030% | 5,428 |
| Return on Equity (ROE) | 2.0760% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.0760% | 4,421 |
| Net charge-offs to loans | -1.2161% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6502% | 317 |
| Assets per employee ($millions) | 5.1228% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1498% | 137 |
| Loan loss allowance to noncurrent loans | 3,688.0000% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.2004% | 4,366 |
| Noncurrent loans to loans | 0.0854% | 4,789 |
| Net loans and leases to total assets | 32.5535% | 5,486 |
| Net loans and leases to deposits | 36.1094% | 5,537 |
| Net loans and leases to core deposits | 36.2020% | 5,566 |
| Total domestic deposits to total assets | 90.1524% | 486 |
| Equity capital to assets | 9.7230% | 4,202 |
| Core capital (leverage) ratio | 10.3461% | 3,079 |
| Tier 1 risk-based capital ratio | 19.8388% | 1,399 |
| Total risk-based capital ratio | 21.0977% | 1,369 |
| Memoranda: | ||
| Average total assets | $172,390,670 | 3,258 |
| Average earning assets | $155,492,330 | 3,297 |
| Average equity | $16,377,670 | 3,592 |
| Average total loans | $57,067,000 | 4,330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,607 |
| Cost of funding earning assets | 0.2389% | 4,647 |
| Net interest margin | 3.2907% | 4,039 |
| Noninterest income to average assets | 0.5248% | 2,800 |
| Noninterest expense to average assets | 3.2210% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2589% | 5,290 |
| Return on assets (ROA) | 0.2589% | 5,308 |
| Pretax return on assets | 0.2589% | 5,364 |
| Return on Equity (ROE) | 2.7579% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.7579% | 4,031 |
| Net charge-offs to loans | -1.6404% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5603% | 423 |
| Assets per employee ($millions) | 4.9294% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9540% | 184 |
| Loan loss allowance to noncurrent loans | 1,319.0840% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.2492% | 4,212 |
| Noncurrent loans to loans | 0.2239% | 4,307 |
| Net loans and leases to total assets | 32.9042% | 5,505 |
| Net loans and leases to deposits | 36.3843% | 5,571 |
| Net loans and leases to core deposits | 36.4783% | 5,611 |
| Total domestic deposits to total assets | 90.4352% | 495 |
| Equity capital to assets | 9.4582% | 4,327 |
| Core capital (leverage) ratio | 10.2682% | 3,162 |
| Tier 1 risk-based capital ratio | 19.7945% | 1,426 |
| Total risk-based capital ratio | 21.0526% | 1,398 |
| Memoranda: | ||
| Average total assets | $171,498,500 | 3,297 |
| Average earning assets | $154,010,500 | 3,349 |
| Average equity | $16,099,000 | 3,650 |
| Average total loans | $56,328,500 | 4,391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7095% | 5,684 |
| Cost of funding earning assets | 0.2430% | 4,626 |
| Net interest margin | 2.4665% | 5,605 |
| Noninterest income to average assets | 0.5335% | 3,012 |
| Noninterest expense to average assets | 4.6250% | 340 |
| Loan and lease loss provision to assets | -0.6289% | 5,892 |
| Net operating income to assets | -1.2287% | 5,847 |
| Return on assets (ROA) | -1.2207% | 5,847 |
| Pretax return on assets | -1.2207% | 5,843 |
| Return on Equity (ROE) | -14.7455% | 5,864 |
| Retained earnings to average equity (ytd only) | -14.7455% | 5,829 |
| Net charge-offs to loans | -0.8531% | 5,856 |
| Credit loss provision to net charge-offs | 251.7162% | 1,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.1281% | 24 |
| Assets per employee ($millions) | 4.4860% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 233 |
| Loan loss allowance to noncurrent loans | 1,108.8889% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 4,123 |
| Noncurrent loans to loans | 0.2493% | 4,265 |
| Net loans and leases to total assets | 30.8930% | 5,625 |
| Net loans and leases to deposits | 34.1161% | 5,674 |
| Net loans and leases to core deposits | 34.2096% | 5,702 |
| Total domestic deposits to total assets | 90.5525% | 432 |
| Equity capital to assets | 9.3155% | 4,457 |
| Core capital (leverage) ratio | 10.1004% | 3,365 |
| Tier 1 risk-based capital ratio | 20.0000% | 1,371 |
| Total risk-based capital ratio | 21.2543% | 1,340 |
| Memoranda: | ||
| Average total assets | $174,897,800 | 3,221 |
| Average earning assets | $158,403,800 | 3,265 |
| Average equity | $14,479,000 | 3,877 |
| Average total loans | $51,225,800 | 4,546 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6825% | 5,767 |
| Cost of funding earning assets | 0.2416% | 4,685 |
| Net interest margin | 2.4409% | 5,691 |
| Noninterest income to average assets | 0.5265% | 3,065 |
| Noninterest expense to average assets | 3.0460% | 2,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2924% | 5,822 |
| Return on assets (ROA) | -0.2924% | 5,830 |
| Pretax return on assets | -0.2924% | 5,812 |
| Return on Equity (ROE) | -3.2355% | 5,840 |
| Retained earnings to average equity (ytd only) | -3.2355% | 5,662 |
| Net charge-offs to loans | -0.9084% | 5,917 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6190% | 118 |
| Assets per employee ($millions) | 4.5820% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6486% | 51 |
| Loan loss allowance to noncurrent loans | 1,406.7416% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 4,282 |
| Noncurrent loans to loans | 0.3304% | 4,075 |
| Net loans and leases to total assets | 29.4989% | 5,722 |
| Net loans and leases to deposits | 32.7074% | 5,778 |
| Net loans and leases to core deposits | 32.7953% | 5,793 |
| Total domestic deposits to total assets | 90.1904% | 409 |
| Equity capital to assets | 9.1554% | 5,024 |
| Core capital (leverage) ratio | 9.4970% | 4,189 |
| Tier 1 risk-based capital ratio | 18.3378% | 1,822 |
| Total risk-based capital ratio | 19.6054% | 1,788 |
| Memoranda: | ||
| Average total assets | $176,005,000 | 3,225 |
| Average earning assets | $160,589,500 | 3,244 |
| Average equity | $15,906,250 | 3,733 |
| Average total loans | $50,492,250 | 4,599 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5859% | 5,879 |
| Cost of funding earning assets | 0.2417% | 4,738 |
| Net interest margin | 2.3442% | 5,839 |
| Noninterest income to average assets | 0.5073% | 3,143 |
| Noninterest expense to average assets | 3.0277% | 2,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3793% | 5,898 |
| Return on assets (ROA) | -0.3793% | 5,908 |
| Pretax return on assets | -0.3793% | 5,899 |
| Return on Equity (ROE) | -4.2152% | 5,920 |
| Retained earnings to average equity (ytd only) | -4.2152% | 5,710 |
| Net charge-offs to loans | -0.7049% | 5,969 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3224% | 115 |
| Assets per employee ($millions) | 4.7346% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3044% | 60 |
| Loan loss allowance to noncurrent loans | 827.6596% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 4,153 |
| Noncurrent loans to loans | 0.5201% | 3,523 |
| Net loans and leases to total assets | 28.8408% | 5,805 |
| Net loans and leases to deposits | 31.8197% | 5,854 |
| Net loans and leases to core deposits | 31.9535% | 5,871 |
| Total domestic deposits to total assets | 90.6384% | 279 |
| Equity capital to assets | 8.8075% | 5,398 |
| Core capital (leverage) ratio | 9.4598% | 4,254 |
| Tier 1 risk-based capital ratio | 11.3256% | 5,263 |
| Total risk-based capital ratio | 12.5795% | 5,162 |
| Memoranda: | ||
| Average total assets | $176,635,000 | 3,234 |
| Average earning assets | $161,336,330 | 3,254 |
| Average equity | $15,894,670 | 3,748 |
| Average total loans | $49,367,670 | 4,671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6337% | 5,926 |
| Cost of funding earning assets | 0.2446% | 4,755 |
| Net interest margin | 2.3891% | 5,879 |
| Noninterest income to average assets | 0.5577% | 2,762 |
| Noninterest expense to average assets | 3.3007% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5554% | 5,974 |
| Return on assets (ROA) | -0.5554% | 5,982 |
| Pretax return on assets | -0.5554% | 5,974 |
| Return on Equity (ROE) | -6.1059% | 5,988 |
| Retained earnings to average equity (ytd only) | -6.1059% | 5,668 |
| Net charge-offs to loans | -0.8522% | 6,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2331% | 102 |
| Assets per employee ($millions) | 4.4567% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7548% | 58 |
| Loan loss allowance to noncurrent loans | 790.2098% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 4,120 |
| Noncurrent loans to loans | 0.6017% | 3,374 |
| Net loans and leases to total assets | 25.3951% | 5,927 |
| Net loans and leases to deposits | 28.0229% | 5,952 |
| Net loans and leases to core deposits | 28.1417% | 5,961 |
| Total domestic deposits to total assets | 90.6225% | 389 |
| Equity capital to assets | 8.8637% | 5,287 |
| Core capital (leverage) ratio | 9.7027% | 3,912 |
| Tier 1 risk-based capital ratio | 21.3677% | 1,250 |
| Total risk-based capital ratio | 22.6364% | 1,228 |
| Memoranda: | ||
| Average total assets | $174,995,000 | 3,263 |
| Average earning assets | $160,229,500 | 3,281 |
| Average equity | $15,919,000 | 3,746 |
| Average total loans | $46,940,000 | 4,766 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2303% | 6,071 |
| Cost of funding earning assets | 0.2706% | 4,579 |
| Net interest margin | 1.9597% | 6,055 |
| Noninterest income to average assets | 0.6033% | 2,701 |
| Noninterest expense to average assets | 3.0819% | 2,290 |
| Loan and lease loss provision to assets | -0.5840% | 6,137 |
| Net operating income to assets | -0.1478% | 5,946 |
| Return on assets (ROA) | -0.1349% | 5,955 |
| Pretax return on assets | -0.1349% | 5,939 |
| Return on Equity (ROE) | -1.4523% | 5,955 |
| Retained earnings to average equity (ytd only) | -1.4523% | 5,704 |
| Net charge-offs to loans | -1.5346% | 6,134 |
| Credit loss provision to net charge-offs | 150.1502% | 1,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1382% | 66 |
| Assets per employee ($millions) | 4.2931% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6603% | 58 |
| Loan loss allowance to noncurrent loans | 900.0000% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 4,060 |
| Noncurrent loans to loans | 0.5178% | 3,620 |
| Net loans and leases to total assets | 25.7327% | 5,984 |
| Net loans and leases to deposits | 28.5455% | 6,011 |
| Net loans and leases to core deposits | 28.6735% | 6,017 |
| Total domestic deposits to total assets | 90.1463% | 573 |
| Equity capital to assets | 9.3389% | 4,743 |
| Core capital (leverage) ratio | 10.0714% | 3,407 |
| Tier 1 risk-based capital ratio | 24.5478% | 857 |
| Total risk-based capital ratio | 25.8200% | 839 |
| Memoranda: | ||
| Average total assets | $171,223,000 | 3,285 |
| Average earning assets | $152,624,000 | 3,361 |
| Average equity | $15,905,800 | 3,690 |
| Average total loans | $43,397,600 | 4,875 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2841% | 6,149 |
| Cost of funding earning assets | 0.2761% | 4,600 |
| Net interest margin | 2.0080% | 6,136 |
| Noninterest income to average assets | 0.5993% | 2,742 |
| Noninterest expense to average assets | 3.1809% | 2,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.8019% | 6,178 |
| Return on assets (ROA) | -0.7847% | 6,175 |
| Pretax return on assets | -0.7847% | 6,168 |
| Return on Equity (ROE) | -8.4586% | 6,168 |
| Retained earnings to average equity (ytd only) | -8.4586% | 6,100 |
| Net charge-offs to loans | -1.6471% | 6,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.7046% | 64 |
| Assets per employee ($millions) | 4.2137% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8689% | 23 |
| Loan loss allowance to noncurrent loans | 944.0625% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,753 |
| Noncurrent loans to loans | 0.7276% | 3,152 |
| Net loans and leases to total assets | 24.3017% | 6,086 |
| Net loans and leases to deposits | 26.9231% | 6,117 |
| Net loans and leases to core deposits | 27.0470% | 6,126 |
| Total domestic deposits to total assets | 90.2633% | 482 |
| Equity capital to assets | 9.0722% | 5,240 |
| Core capital (leverage) ratio | 9.5811% | 4,197 |
| Tier 1 risk-based capital ratio | 19.6327% | 1,641 |
| Total risk-based capital ratio | 20.9118% | 1,598 |
| Memoranda: | ||
| Average total assets | $171,098,000 | 3,313 |
| Average earning assets | $151,655,750 | 3,402 |
| Average equity | $15,873,000 | 3,732 |
| Average total loans | $42,659,750 | 4,963 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3556% | 6,210 |
| Cost of funding earning assets | 0.2822% | 4,585 |
| Net interest margin | 2.0734% | 6,181 |
| Noninterest income to average assets | 0.5781% | 2,867 |
| Noninterest expense to average assets | 3.1463% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7479% | 6,232 |
| Return on assets (ROA) | -0.7223% | 6,230 |
| Pretax return on assets | -0.7223% | 6,220 |
| Return on Equity (ROE) | -7.7301% | 6,232 |
| Retained earnings to average equity (ytd only) | -7.7301% | 6,120 |
| Net charge-offs to loans | -0.8385% | 6,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1833% | 74 |
| Assets per employee ($millions) | 4.3165% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4417% | 28 |
| Loan loss allowance to noncurrent loans | 388.2267% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,977 |
| Noncurrent loans to loans | 1.6593% | 1,574 |
| Net loans and leases to total assets | 22.4681% | 6,185 |
| Net loans and leases to deposits | 24.8845% | 6,210 |
| Net loans and leases to core deposits | 24.9961% | 6,211 |
| Total domestic deposits to total assets | 90.2895% | 541 |
| Equity capital to assets | 9.0520% | 5,184 |
| Core capital (leverage) ratio | 9.7700% | 3,917 |
| Tier 1 risk-based capital ratio | 19.8165% | 1,594 |
| Total risk-based capital ratio | 21.0897% | 1,546 |
| Memoranda: | ||
| Average total assets | $171,948,000 | 3,314 |
| Average earning assets | $150,957,330 | 3,438 |
| Average equity | $16,067,000 | 3,710 |
| Average total loans | $42,219,330 | 5,022 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6086% | 6,179 |
| Cost of funding earning assets | 0.2895% | 4,555 |
| Net interest margin | 2.3191% | 6,151 |
| Noninterest income to average assets | 0.6247% | 2,524 |
| Noninterest expense to average assets | 3.0467% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4243% | 6,225 |
| Return on assets (ROA) | -0.3730% | 6,226 |
| Pretax return on assets | -0.3730% | 6,213 |
| Return on Equity (ROE) | -3.9298% | 6,239 |
| Retained earnings to average equity (ytd only) | -3.9298% | 5,855 |
| Net charge-offs to loans | -0.8545% | 6,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1778% | 150 |
| Assets per employee ($millions) | 4.3301% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0704% | 39 |
| Loan loss allowance to noncurrent loans | 326.8015% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 2,875 |
| Noncurrent loans to loans | 1.8575% | 1,447 |
| Net loans and leases to total assets | 23.0937% | 6,233 |
| Net loans and leases to deposits | 25.6572% | 6,256 |
| Net loans and leases to core deposits | 25.7742% | 6,262 |
| Total domestic deposits to total assets | 90.0088% | 744 |
| Equity capital to assets | 9.3867% | 4,870 |
| Core capital (leverage) ratio | 10.0278% | 3,561 |
| Tier 1 risk-based capital ratio | 17.6676% | 2,244 |
| Total risk-based capital ratio | 18.9344% | 2,206 |
| Memoranda: | ||
| Average total assets | $171,593,000 | 3,335 |
| Average earning assets | $147,818,000 | 3,505 |
| Average equity | $16,286,000 | 3,699 |
| Average total loans | $42,597,000 | 5,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5602% | 6,311 |
| Cost of funding earning assets | 0.3006% | 4,793 |
| Net interest margin | 2.2596% | 6,286 |
| Noninterest income to average assets | 0.8057% | 1,853 |
| Noninterest expense to average assets | 3.4232% | 1,651 |
| Loan and lease loss provision to assets | -0.5491% | 6,455 |
| Net operating income to assets | -0.0353% | 6,114 |
| Return on assets (ROA) | -0.0353% | 6,126 |
| Pretax return on assets | -0.0353% | 6,116 |
| Return on Equity (ROE) | -0.4009% | 6,127 |
| Retained earnings to average equity (ytd only) | -0.4009% | 5,834 |
| Net charge-offs to loans | -0.5303% | 6,399 |
| Credit loss provision to net charge-offs | 371.0938% | 706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.5212% | 127 |
| Assets per employee ($millions) | 4.2496% | 3,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8531% | 45 |
| Loan loss allowance to noncurrent loans | 282.7664% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0601% | 2,626 |
| Noncurrent loans to loans | 2.0699% | 1,322 |
| Net loans and leases to total assets | 23.6000% | 6,322 |
| Net loans and leases to deposits | 26.2794% | 6,342 |
| Net loans and leases to core deposits | 26.3595% | 6,353 |
| Total domestic deposits to total assets | 89.8043% | 826 |
| Equity capital to assets | 9.5904% | 4,604 |
| Core capital (leverage) ratio | 9.9727% | 3,608 |
| Tier 1 risk-based capital ratio | 28.5430% | 593 |
| Total risk-based capital ratio | 29.8283% | 575 |
| Memoranda: | ||
| Average total assets | $173,025,800 | 3,290 |
| Average earning assets | $155,688,000 | 3,348 |
| Average equity | $15,214,400 | 3,794 |
| Average total loans | $48,270,800 | 4,871 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5546% | 6,393 |
| Cost of funding earning assets | 0.3019% | 4,871 |
| Net interest margin | 2.2526% | 6,359 |
| Noninterest income to average assets | 0.5386% | 3,268 |
| Noninterest expense to average assets | 3.3926% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.8278% | 6,441 |
| Return on assets (ROA) | -0.8278% | 6,439 |
| Pretax return on assets | -0.8278% | 6,425 |
| Return on Equity (ROE) | -9.6278% | 6,439 |
| Retained earnings to average equity (ytd only) | -9.6278% | 6,369 |
| Net charge-offs to loans | -0.4294% | 6,437 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2166% | 87 |
| Assets per employee ($millions) | 4.8097% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2549% | 29 |
| Loan loss allowance to noncurrent loans | 105.2830% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 2.5429% | 1,023 |
| Noncurrent loans to loans | 6.8909% | 173 |
| Net loans and leases to total assets | 24.7186% | 6,374 |
| Net loans and leases to deposits | 27.4889% | 6,400 |
| Net loans and leases to core deposits | 27.5713% | 6,416 |
| Total domestic deposits to total assets | 89.9220% | 774 |
| Equity capital to assets | 8.5181% | 5,786 |
| Core capital (leverage) ratio | 9.3253% | 4,605 |
| Tier 1 risk-based capital ratio | 25.4361% | 840 |
| Total risk-based capital ratio | 26.7350% | 823 |
| Memoranda: | ||
| Average total assets | $173,786,500 | 3,312 |
| Average earning assets | $156,317,000 | 3,353 |
| Average equity | $14,942,500 | 3,869 |
| Average total loans | $49,686,000 | 4,875 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6150% | 6,434 |
| Cost of funding earning assets | 0.3048% | 4,922 |
| Net interest margin | 2.3102% | 6,401 |
| Noninterest income to average assets | 0.5540% | 3,088 |
| Noninterest expense to average assets | 3.3736% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7460% | 6,493 |
| Return on assets (ROA) | -0.7460% | 6,492 |
| Pretax return on assets | -0.7460% | 6,479 |
| Return on Equity (ROE) | -8.6493% | 6,497 |
| Retained earnings to average equity (ytd only) | -8.6493% | 6,389 |
| Net charge-offs to loans | -0.4915% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3465% | 108 |
| Assets per employee ($millions) | 4.6815% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7846% | 31 |
| Loan loss allowance to noncurrent loans | 96.4483% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.7018% | 983 |
| Noncurrent loans to loans | 7.0345% | 173 |
| Net loans and leases to total assets | 26.2783% | 6,411 |
| Net loans and leases to deposits | 29.2856% | 6,438 |
| Net loans and leases to core deposits | 29.4689% | 6,455 |
| Total domestic deposits to total assets | 89.7313% | 949 |
| Equity capital to assets | 8.7261% | 5,594 |
| Core capital (leverage) ratio | 9.4875% | 4,351 |
| Tier 1 risk-based capital ratio | 24.7730% | 898 |
| Total risk-based capital ratio | 26.0678% | 881 |
| Memoranda: | ||
| Average total assets | $173,999,000 | 3,318 |
| Average earning assets | $156,177,670 | 3,373 |
| Average equity | $15,007,000 | 3,856 |
| Average total loans | $50,865,330 | 4,862 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8130% | 6,388 |
| Cost of funding earning assets | 0.3083% | 4,986 |
| Net interest margin | 2.5047% | 6,330 |
| Noninterest income to average assets | 0.6032% | 2,715 |
| Noninterest expense to average assets | 3.2869% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4289% | 6,443 |
| Return on assets (ROA) | -0.4289% | 6,446 |
| Pretax return on assets | -0.4289% | 6,436 |
| Return on Equity (ROE) | -5.0023% | 6,466 |
| Retained earnings to average equity (ytd only) | -5.0023% | 6,123 |
| Net charge-offs to loans | -0.2930% | 6,477 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.9278% | 223 |
| Assets per employee ($millions) | 4.7384% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4234% | 37 |
| Loan loss allowance to noncurrent loans | 270.7215% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 2,126 |
| Noncurrent loans to loans | 2.3727% | 1,485 |
| Net loans and leases to total assets | 26.8141% | 6,447 |
| Net loans and leases to deposits | 29.8042% | 6,483 |
| Net loans and leases to core deposits | 29.9880% | 6,495 |
| Total domestic deposits to total assets | 89.9676% | 1,087 |
| Equity capital to assets | 8.5745% | 5,575 |
| Core capital (leverage) ratio | 9.6150% | 4,111 |
| Tier 1 risk-based capital ratio | 25.4572% | 841 |
| Total risk-based capital ratio | 26.7504% | 821 |
| Memoranda: | ||
| Average total assets | $174,391,000 | 3,341 |
| Average earning assets | $156,988,000 | 3,388 |
| Average equity | $14,953,000 | 3,869 |
| Average total loans | $51,882,500 | 4,871 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1314% | 6,210 |
| Cost of funding earning assets | 0.3264% | 5,363 |
| Net interest margin | 2.8050% | 5,970 |
| Noninterest income to average assets | 0.5282% | 3,566 |
| Noninterest expense to average assets | 4.2944% | 637 |
| Loan and lease loss provision to assets | -0.0993% | 6,481 |
| Net operating income to assets | -1.1529% | 6,629 |
| Return on assets (ROA) | -1.1529% | 6,632 |
| Pretax return on assets | -1.1529% | 6,627 |
| Return on Equity (ROE) | -12.6906% | 6,615 |
| Retained earnings to average equity (ytd only) | -12.6906% | 6,582 |
| Net charge-offs to loans | 5.0478% | 25 |
| Credit loss provision to net charge-offs | -5.7600% | 5,672 |
| Earnings coverage of net charge-offs (x) | -0.7261% | 5,233 |
| Efficiency ratio | 141.1103% | 80 |
| Assets per employee ($millions) | 4.1300% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9559% | 42 |
| Loan loss allowance to noncurrent loans | 143.7979% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 2.2979% | 1,535 |
| Noncurrent loans to loans | 4.1418% | 681 |
| Net loans and leases to total assets | 29.0205% | 6,492 |
| Net loans and leases to deposits | 32.4873% | 6,520 |
| Net loans and leases to core deposits | 32.6942% | 6,547 |
| Total domestic deposits to total assets | 89.3290% | 1,418 |
| Equity capital to assets | 8.5743% | 5,499 |
| Core capital (leverage) ratio | 9.7285% | 3,946 |
| Tier 1 risk-based capital ratio | 25.1115% | 839 |
| Total risk-based capital ratio | 26.4039% | 824 |
| Memoranda: | ||
| Average total assets | $181,191,400 | 3,264 |
| Average earning assets | $162,388,200 | 3,310 |
| Average equity | $16,461,000 | 3,633 |
| Average total loans | $61,908,000 | 4,552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 6,200 |
| Cost of funding earning assets | 0.3285% | 5,478 |
| Net interest margin | 2.8684% | 5,883 |
| Noninterest income to average assets | 0.4048% | 4,496 |
| Noninterest expense to average assets | 4.7187% | 432 |
| Loan and lease loss provision to assets | -0.1311% | 6,658 |
| Net operating income to assets | -1.6142% | 6,770 |
| Return on assets (ROA) | -1.6142% | 6,770 |
| Pretax return on assets | -1.6142% | 6,763 |
| Return on Equity (ROE) | -17.5343% | 6,759 |
| Retained earnings to average equity (ytd only) | -17.5343% | 6,739 |
| Net charge-offs to loans | 6.2870% | 16 |
| Credit loss provision to net charge-offs | -5.9642% | 5,592 |
| Earnings coverage of net charge-offs (x) | -0.7942% | 4,989 |
| Efficiency ratio | 158.6435% | 60 |
| Assets per employee ($millions) | 3.9396% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7391% | 66 |
| Loan loss allowance to noncurrent loans | 114.4097% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.4656% | 1,566 |
| Noncurrent loans to loans | 5.0163% | 596 |
| Net loans and leases to total assets | 30.5267% | 6,515 |
| Net loans and leases to deposits | 34.3428% | 6,557 |
| Net loans and leases to core deposits | 34.6138% | 6,596 |
| Total domestic deposits to total assets | 88.8883% | 1,619 |
| Equity capital to assets | 8.6321% | 5,590 |
| Core capital (leverage) ratio | 9.4777% | 4,441 |
| Tier 1 risk-based capital ratio | 23.5837% | 1,061 |
| Total risk-based capital ratio | 24.8737% | 1,032 |
| Memoranda: | ||
| Average total assets | $183,124,250 | 3,270 |
| Average earning assets | $163,992,250 | 3,319 |
| Average equity | $16,858,000 | 3,621 |
| Average total loans | $64,003,250 | 4,528 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 6,054 |
| Cost of funding earning assets | 0.3309% | 5,559 |
| Net interest margin | 2.9902% | 5,583 |
| Noninterest income to average assets | 0.2604% | 5,596 |
| Noninterest expense to average assets | 4.1681% | 725 |
| Loan and lease loss provision to assets | 0.1297% | 2,700 |
| Net operating income to assets | -1.3616% | 6,795 |
| Return on assets (ROA) | -1.3616% | 6,799 |
| Pretax return on assets | -1.3616% | 6,789 |
| Return on Equity (ROE) | -14.5025% | 6,790 |
| Retained earnings to average equity (ytd only) | -14.5025% | 6,748 |
| Net charge-offs to loans | 6.7492% | 20 |
| Credit loss provision to net charge-offs | 5.3715% | 3,952 |
| Earnings coverage of net charge-offs (x) | -0.5103% | 4,663 |
| Efficiency ratio | 141.9212% | 93 |
| Assets per employee ($millions) | 3.7350% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9393% | 28 |
| Loan loss allowance to noncurrent loans | 84.2115% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 3.8120% | 955 |
| Noncurrent loans to loans | 8.2404% | 241 |
| Net loans and leases to total assets | 32.7564% | 6,475 |
| Net loans and leases to deposits | 36.9768% | 6,519 |
| Net loans and leases to core deposits | 37.3336% | 6,564 |
| Total domestic deposits to total assets | 88.5864% | 1,861 |
| Equity capital to assets | 9.1272% | 5,069 |
| Core capital (leverage) ratio | 9.8276% | 3,760 |
| Tier 1 risk-based capital ratio | 23.7373% | 1,022 |
| Total risk-based capital ratio | 25.0435% | 1,005 |
| Memoranda: | ||
| Average total assets | $185,072,000 | 3,268 |
| Average earning assets | $165,609,670 | 3,321 |
| Average equity | $17,376,330 | 3,564 |
| Average total loans | $66,200,000 | 4,460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5765% | 5,513 |
| Cost of funding earning assets | 0.3323% | 5,694 |
| Net interest margin | 3.2442% | 4,746 |
| Noninterest income to average assets | 0.1447% | 6,377 |
| Noninterest expense to average assets | 4.0815% | 805 |
| Loan and lease loss provision to assets | 0.2554% | 1,397 |
| Net operating income to assets | -1.3045% | 6,864 |
| Return on assets (ROA) | -1.3045% | 6,869 |
| Pretax return on assets | -1.3045% | 6,859 |
| Return on Equity (ROE) | -13.7113% | 6,855 |
| Retained earnings to average equity (ytd only) | -13.7113% | 6,720 |
| Net charge-offs to loans | -0.5668% | 6,868 |
| Credit loss provision to net charge-offs | -125.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5263% | 130 |
| Assets per employee ($millions) | 3.8803% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2262% | 12 |
| Loan loss allowance to noncurrent loans | 71.1634% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 6.8320% | 419 |
| Noncurrent loans to loans | 14.3700% | 89 |
| Net loans and leases to total assets | 31.6265% | 6,533 |
| Net loans and leases to deposits | 35.7678% | 6,580 |
| Net loans and leases to core deposits | 36.1001% | 6,619 |
| Total domestic deposits to total assets | 88.4218% | 2,052 |
| Equity capital to assets | 9.4408% | 4,937 |
| Core capital (leverage) ratio | 9.8611% | 3,587 |
| Tier 1 risk-based capital ratio | 24.6034% | 943 |
| Total risk-based capital ratio | 25.9480% | 916 |
| Memoranda: | ||
| Average total assets | $187,969,000 | 3,248 |
| Average earning assets | $167,316,500 | 3,317 |
| Average equity | $17,883,000 | 3,540 |
| Average total loans | $67,748,000 | 4,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 6,388 |
| Cost of funding earning assets | 0.4165% | 5,810 |
| Net interest margin | 3.0531% | 5,924 |
| Noninterest income to average assets | 0.1275% | 6,399 |
| Noninterest expense to average assets | 3.7837% | 1,282 |
| Loan and lease loss provision to assets | 0.4551% | 1,381 |
| Net operating income to assets | -1.5088% | 6,857 |
| Return on assets (ROA) | -3.2964% | 7,027 |
| Pretax return on assets | -3.2964% | 7,027 |
| Return on Equity (ROE) | -30.3971% | 6,957 |
| Retained earnings to average equity (ytd only) | -30.3971% | 6,940 |
| Net charge-offs to loans | 1.1243% | 929 |
| Credit loss provision to net charge-offs | 105.9603% | 2,805 |
| Earnings coverage of net charge-offs (x) | -2.4536% | 5,851 |
| Efficiency ratio | 138.4268% | 123 |
| Assets per employee ($millions) | 3.8711% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2916% | 20 |
| Loan loss allowance to noncurrent loans | 65.9054% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 7.4635% | 401 |
| Noncurrent loans to loans | 14.0985% | 97 |
| Net loans and leases to total assets | 33.4173% | 6,571 |
| Net loans and leases to deposits | 37.8188% | 6,638 |
| Net loans and leases to core deposits | 37.9381% | 6,677 |
| Total domestic deposits to total assets | 88.3616% | 1,989 |
| Equity capital to assets | 9.5855% | 4,770 |
| Core capital (leverage) ratio | 9.5669% | 4,014 |
| Tier 1 risk-based capital ratio | 24.2521% | 943 |
| Total risk-based capital ratio | 25.5879% | 906 |
| Memoranda: | ||
| Average total assets | $210,959,800 | 2,911 |
| Average earning assets | $179,817,000 | 3,097 |
| Average equity | $22,877,200 | 2,864 |
| Average total loans | $80,585,800 | 4,023 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 6,396 |
| Cost of funding earning assets | 0.4352% | 5,898 |
| Net interest margin | 3.1636% | 5,789 |
| Noninterest income to average assets | 0.7546% | 2,453 |
| Noninterest expense to average assets | 3.7790% | 1,248 |
| Loan and lease loss provision to assets | 0.4439% | 1,421 |
| Net operating income to assets | -0.7928% | 6,809 |
| Return on assets (ROA) | -0.7928% | 6,830 |
| Pretax return on assets | -0.7928% | 6,806 |
| Return on Equity (ROE) | -7.1291% | 6,789 |
| Retained earnings to average equity (ytd only) | -7.1291% | 6,719 |
| Net charge-offs to loans | 1.0937% | 935 |
| Credit loss provision to net charge-offs | 105.4173% | 2,784 |
| Earnings coverage of net charge-offs (x) | -0.8287% | 5,556 |
| Efficiency ratio | 110.0108% | 309 |
| Assets per employee ($millions) | 3.8355% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8777% | 22 |
| Loan loss allowance to noncurrent loans | 47.9384% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 9.5475% | 264 |
| Noncurrent loans to loans | 18.5189% | 53 |
| Net loans and leases to total assets | 32.6994% | 6,714 |
| Net loans and leases to deposits | 37.9195% | 6,755 |
| Net loans and leases to core deposits | 38.2604% | 6,802 |
| Total domestic deposits to total assets | 86.2337% | 3,130 |
| Equity capital to assets | 11.5526% | 2,701 |
| Core capital (leverage) ratio | 9.8832% | 3,706 |
| Tier 1 risk-based capital ratio | 23.8431% | 1,041 |
| Total risk-based capital ratio | 25.1728% | 1,014 |
| Memoranda: | ||
| Average total assets | $216,279,000 | 2,904 |
| Average earning assets | $182,907,000 | 3,078 |
| Average equity | $24,051,000 | 2,775 |
| Average total loans | $83,262,250 | 3,979 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 6,243 |
| Cost of funding earning assets | 0.4655% | 5,867 |
| Net interest margin | 3.2880% | 5,479 |
| Noninterest income to average assets | 0.8186% | 2,099 |
| Noninterest expense to average assets | 4.0814% | 854 |
| Loan and lease loss provision to assets | 0.4352% | 1,493 |
| Net operating income to assets | -0.9446% | 6,894 |
| Return on assets (ROA) | -0.9446% | 6,914 |
| Pretax return on assets | -0.9446% | 6,883 |
| Return on Equity (ROE) | -8.5974% | 6,876 |
| Retained earnings to average equity (ytd only) | -8.5974% | 6,793 |
| Net charge-offs to loans | 1.4233% | 711 |
| Credit loss provision to net charge-offs | 77.7958% | 3,378 |
| Earnings coverage of net charge-offs (x) | -0.9109% | 5,298 |
| Efficiency ratio | 114.2640% | 274 |
| Assets per employee ($millions) | 4.2054% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9938% | 35 |
| Loan loss allowance to noncurrent loans | 45.1174% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 9.8150% | 270 |
| Noncurrent loans to loans | 17.7178% | 64 |
| Net loans and leases to total assets | 34.4958% | 6,699 |
| Net loans and leases to deposits | 39.8810% | 6,732 |
| Net loans and leases to core deposits | 40.4004% | 6,794 |
| Total domestic deposits to total assets | 86.4968% | 3,073 |
| Equity capital to assets | 11.2760% | 2,824 |
| Core capital (leverage) ratio | 9.7223% | 3,802 |
| Tier 1 risk-based capital ratio | 22.9486% | 1,137 |
| Total risk-based capital ratio | 24.2709% | 1,112 |
| Memoranda: | ||
| Average total assets | $220,612,330 | 2,862 |
| Average earning assets | $184,733,330 | 3,062 |
| Average equity | $24,240,000 | 2,747 |
| Average total loans | $86,700,670 | 3,888 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8203% | 6,204 |
| Cost of funding earning assets | 0.5038% | 5,788 |
| Net interest margin | 3.3164% | 5,413 |
| Noninterest income to average assets | 1.5342% | 612 |
| Noninterest expense to average assets | 4.3564% | 625 |
| Loan and lease loss provision to assets | 0.4252% | 1,476 |
| Net operating income to assets | -0.4836% | 6,818 |
| Return on assets (ROA) | -0.4836% | 6,847 |
| Pretax return on assets | -0.4836% | 6,818 |
| Return on Equity (ROE) | -4.4562% | 6,831 |
| Retained earnings to average equity (ytd only) | -4.4562% | 6,542 |
| Net charge-offs to loans | 2.3038% | 372 |
| Credit loss provision to net charge-offs | 45.9770% | 3,347 |
| Earnings coverage of net charge-offs (x) | -0.0632% | 4,396 |
| Efficiency ratio | 101.3603% | 506 |
| Assets per employee ($millions) | 3.5507% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0903% | 49 |
| Loan loss allowance to noncurrent loans | 41.5789% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 9.4061% | 346 |
| Noncurrent loans to loans | 17.0526% | 83 |
| Net loans and leases to total assets | 36.0668% | 6,610 |
| Net loans and leases to deposits | 41.3975% | 6,685 |
| Net loans and leases to core deposits | 41.8982% | 6,752 |
| Total domestic deposits to total assets | 87.1231% | 2,886 |
| Equity capital to assets | 10.8326% | 3,104 |
| Core capital (leverage) ratio | 9.4375% | 4,140 |
| Tier 1 risk-based capital ratio | 21.3711% | 1,402 |
| Total risk-based capital ratio | 22.6834% | 1,368 |
| Memoranda: | ||
| Average total assets | $225,784,000 | 2,819 |
| Average earning assets | $188,153,000 | 3,035 |
| Average equity | $24,505,000 | 2,714 |
| Average total loans | $90,633,000 | 3,810 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 5,336 |
| Cost of funding earning assets | 0.7853% | 4,971 |
| Net interest margin | 3.6369% | 4,582 |
| Noninterest income to average assets | 0.4969% | 3,865 |
| Noninterest expense to average assets | 3.9080% | 1,170 |
| Loan and lease loss provision to assets | 0.8626% | 1,122 |
| Net operating income to assets | -1.0435% | 6,757 |
| Return on assets (ROA) | -0.9920% | 6,764 |
| Pretax return on assets | -1.0550% | 6,754 |
| Return on Equity (ROE) | -8.9755% | 6,712 |
| Retained earnings to average equity (ytd only) | -8.9755% | 6,670 |
| Net charge-offs to loans | 1.3761% | 1,193 |
| Credit loss provision to net charge-offs | 128.1230% | 2,420 |
| Earnings coverage of net charge-offs (x) | -0.3671% | 6,032 |
| Efficiency ratio | 106.7507% | 505 |
| Assets per employee ($millions) | 3.8622% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8189% | 54 |
| Loan loss allowance to noncurrent loans | 40.8748% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 9.6831% | 355 |
| Noncurrent loans to loans | 16.6824% | 95 |
| Net loans and leases to total assets | 38.6138% | 6,622 |
| Net loans and leases to deposits | 44.2940% | 6,709 |
| Net loans and leases to core deposits | 44.8181% | 6,780 |
| Total domestic deposits to total assets | 87.1761% | 2,658 |
| Equity capital to assets | 10.8736% | 3,116 |
| Core capital (leverage) ratio | 9.5951% | 3,876 |
| Tier 1 risk-based capital ratio | 20.3926% | 1,547 |
| Total risk-based capital ratio | 21.7014% | 1,504 |
| Memoranda: | ||
| Average total assets | $231,855,200 | 2,705 |
| Average earning assets | $201,711,200 | 2,828 |
| Average equity | $25,625,200 | 2,512 |
| Average total loans | $113,437,200 | 3,304 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 4,286 |
| Cost of funding earning assets | 0.8224% | 4,991 |
| Net interest margin | 3.9169% | 3,296 |
| Noninterest income to average assets | 0.7157% | 2,504 |
| Noninterest expense to average assets | 4.3117% | 706 |
| Loan and lease loss provision to assets | 1.0307% | 822 |
| Net operating income to assets | -1.1904% | 6,956 |
| Return on assets (ROA) | -1.1177% | 6,953 |
| Pretax return on assets | -1.1177% | 6,912 |
| Return on Equity (ROE) | -10.0732% | 6,892 |
| Retained earnings to average equity (ytd only) | -10.0732% | 6,857 |
| Net charge-offs to loans | 1.0300% | 1,554 |
| Credit loss provision to net charge-offs | 197.1522% | 1,485 |
| Earnings coverage of net charge-offs (x) | -0.3056% | 5,768 |
| Efficiency ratio | 103.8477% | 556 |
| Assets per employee ($millions) | 3.7630% | 4,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6086% | 59 |
| Loan loss allowance to noncurrent loans | 54.1814% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 7.6873% | 604 |
| Noncurrent loans to loans | 12.1971% | 228 |
| Net loans and leases to total assets | 41.0544% | 6,555 |
| Net loans and leases to deposits | 47.0451% | 6,686 |
| Net loans and leases to core deposits | 47.4615% | 6,784 |
| Total domestic deposits to total assets | 87.2660% | 2,482 |
| Equity capital to assets | 10.4178% | 3,803 |
| Core capital (leverage) ratio | 9.9295% | 3,533 |
| Tier 1 risk-based capital ratio | 18.0647% | 2,228 |
| Total risk-based capital ratio | 19.3660% | 2,174 |
| Memoranda: | ||
| Average total assets | $232,851,000 | 2,701 |
| Average earning assets | $204,270,750 | 2,807 |
| Average equity | $25,837,000 | 2,498 |
| Average total loans | $118,189,250 | 3,242 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9266% | 3,507 |
| Cost of funding earning assets | 0.8357% | 5,162 |
| Net interest margin | 4.0909% | 2,445 |
| Noninterest income to average assets | 0.7457% | 2,278 |
| Noninterest expense to average assets | 4.1409% | 880 |
| Loan and lease loss provision to assets | 1.0370% | 825 |
| Net operating income to assets | -0.8451% | 6,890 |
| Return on assets (ROA) | -0.8451% | 6,892 |
| Pretax return on assets | -0.8451% | 6,842 |
| Return on Equity (ROE) | -7.4608% | 6,841 |
| Retained earnings to average equity (ytd only) | -7.4608% | 6,740 |
| Net charge-offs to loans | 1.4652% | 1,021 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 0.2467% | 5,123 |
| Efficiency ratio | 95.5724% | 900 |
| Assets per employee ($millions) | 4.0599% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4750% | 147 |
| Loan loss allowance to noncurrent loans | 57.7029% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 7.3022% | 674 |
| Noncurrent loans to loans | 9.4883% | 419 |
| Net loans and leases to total assets | 46.1905% | 6,248 |
| Net loans and leases to deposits | 53.2224% | 6,367 |
| Net loans and leases to core deposits | 53.6289% | 6,585 |
| Total domestic deposits to total assets | 86.7877% | 2,864 |
| Equity capital to assets | 10.9539% | 3,006 |
| Core capital (leverage) ratio | 10.5049% | 2,711 |
| Tier 1 risk-based capital ratio | 17.6431% | 2,293 |
| Total risk-based capital ratio | 18.9345% | 2,240 |
| Memoranda: | ||
| Average total assets | $231,446,000 | 2,741 |
| Average earning assets | $202,937,330 | 2,833 |
| Average equity | $26,217,000 | 2,446 |
| Average total loans | $122,848,000 | 3,174 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 3,620 |
| Cost of funding earning assets | 0.8400% | 5,332 |
| Net interest margin | 4.0538% | 2,460 |
| Noninterest income to average assets | 0.5841% | 3,276 |
| Noninterest expense to average assets | 4.1424% | 878 |
| Loan and lease loss provision to assets | 1.0461% | 721 |
| Net operating income to assets | -1.0286% | 7,055 |
| Return on assets (ROA) | -1.0286% | 7,060 |
| Pretax return on assets | -1.0286% | 7,010 |
| Return on Equity (ROE) | -8.9298% | 6,994 |
| Retained earnings to average equity (ytd only) | -8.9298% | 6,815 |
| Net charge-offs to loans | 0.4892% | 2,252 |
| Credit loss provision to net charge-offs | 387.0968% | 858 |
| Earnings coverage of net charge-offs (x) | 0.0645% | 4,542 |
| Efficiency ratio | 99.5809% | 763 |
| Assets per employee ($millions) | 3.9245% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2240% | 167 |
| Loan loss allowance to noncurrent loans | 31.4928% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 10.6295% | 360 |
| Noncurrent loans to loans | 16.5880% | 113 |
| Net loans and leases to total assets | 50.4988% | 5,783 |
| Net loans and leases to deposits | 58.3908% | 5,890 |
| Net loans and leases to core deposits | 58.9956% | 6,180 |
| Total domestic deposits to total assets | 86.4842% | 3,243 |
| Equity capital to assets | 11.2890% | 2,426 |
| Core capital (leverage) ratio | 10.7183% | 2,424 |
| Tier 1 risk-based capital ratio | 17.5656% | 2,264 |
| Total risk-based capital ratio | 18.8572% | 2,217 |
| Memoranda: | ||
| Average total assets | $229,430,500 | 2,777 |
| Average earning assets | $202,377,500 | 2,867 |
| Average equity | $26,428,500 | 2,422 |
| Average total loans | $126,738,000 | 3,123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 1,576 |
| Cost of funding earning assets | 1.0111% | 5,638 |
| Net interest margin | 4.6865% | 840 |
| Noninterest income to average assets | 1.1149% | 1,191 |
| Noninterest expense to average assets | 3.7250% | 1,644 |
| Loan and lease loss provision to assets | 2.9341% | 333 |
| Net operating income to assets | -1.4353% | 6,891 |
| Return on assets (ROA) | -1.6315% | 6,973 |
| Pretax return on assets | -1.6315% | 6,906 |
| Return on Equity (ROE) | -13.3178% | 6,860 |
| Retained earnings to average equity (ytd only) | -13.3178% | 6,812 |
| Net charge-offs to loans | 3.6862% | 373 |
| Credit loss provision to net charge-offs | 129.0923% | 3,089 |
| Earnings coverage of net charge-offs (x) | 0.6594% | 5,448 |
| Efficiency ratio | 71.3080% | 3,934 |
| Assets per employee ($millions) | 3.6664% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6117% | 253 |
| Loan loss allowance to noncurrent loans | 80.8734% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 4.7229% | 1,392 |
| Noncurrent loans to loans | 5.7024% | 1,124 |
| Net loans and leases to total assets | 54.5951% | 5,559 |
| Net loans and leases to deposits | 63.4498% | 5,691 |
| Net loans and leases to core deposits | 64.0329% | 6,048 |
| Total domestic deposits to total assets | 86.0446% | 3,339 |
| Equity capital to assets | 11.7536% | 2,077 |
| Core capital (leverage) ratio | 11.0008% | 2,166 |
| Tier 1 risk-based capital ratio | 17.4629% | 2,189 |
| Total risk-based capital ratio | 18.7490% | 2,140 |
| Memoranda: | ||
| Average total assets | $226,846,400 | 2,791 |
| Average earning assets | $198,889,000 | 2,891 |
| Average equity | $27,789,800 | 2,330 |
| Average total loans | $139,874,400 | 2,954 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7882% | 1,432 |
| Cost of funding earning assets | 1.0618% | 5,640 |
| Net interest margin | 4.7265% | 793 |
| Noninterest income to average assets | 0.9356% | 1,669 |
| Noninterest expense to average assets | 3.8089% | 1,363 |
| Loan and lease loss provision to assets | 2.8239% | 329 |
| Net operating income to assets | -1.5636% | 7,123 |
| Return on assets (ROA) | -1.7371% | 7,183 |
| Pretax return on assets | -1.7371% | 7,116 |
| Return on Equity (ROE) | -14.0374% | 7,072 |
| Retained earnings to average equity (ytd only) | -14.0374% | 7,040 |
| Net charge-offs to loans | 4.4098% | 239 |
| Credit loss provision to net charge-offs | 102.0183% | 4,222 |
| Earnings coverage of net charge-offs (x) | 0.4553% | 5,568 |
| Efficiency ratio | 75.1392% | 3,119 |
| Assets per employee ($millions) | 3.8193% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5576% | 518 |
| Loan loss allowance to noncurrent loans | 543.7870% | 571 |
| Noncurrent assets plus other real estate owned to assets | 4.6483% | 1,433 |
| Noncurrent loans to loans | 0.6542% | 5,901 |
| Net loans and leases to total assets | 54.3572% | 5,795 |
| Net loans and leases to deposits | 63.2557% | 6,000 |
| Net loans and leases to core deposits | 63.8788% | 6,307 |
| Total domestic deposits to total assets | 85.9325% | 3,114 |
| Equity capital to assets | 11.5378% | 2,503 |
| Core capital (leverage) ratio | 11.4618% | 1,961 |
| Tier 1 risk-based capital ratio | 16.9776% | 2,345 |
| Total risk-based capital ratio | 18.2501% | 2,305 |
| Memoranda: | ||
| Average total assets | $226,728,750 | 2,832 |
| Average earning assets | $198,282,500 | 2,947 |
| Average equity | $28,057,750 | 2,337 |
| Average total loans | $142,317,000 | 2,934 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 1,262 |
| Cost of funding earning assets | 1.0953% | 5,698 |
| Net interest margin | 4.7710% | 696 |
| Noninterest income to average assets | 0.8817% | 1,753 |
| Noninterest expense to average assets | 3.5544% | 1,901 |
| Loan and lease loss provision to assets | 3.7199% | 221 |
| Net operating income to assets | -2.1778% | 7,349 |
| Return on assets (ROA) | -2.1778% | 7,357 |
| Pretax return on assets | -2.1778% | 7,287 |
| Return on Equity (ROE) | -17.2046% | 7,208 |
| Retained earnings to average equity (ytd only) | -17.2046% | 7,175 |
| Net charge-offs to loans | 4.0204% | 321 |
| Credit loss provision to net charge-offs | 142.4890% | 2,792 |
| Earnings coverage of net charge-offs (x) | 0.5907% | 5,148 |
| Efficiency ratio | 69.7412% | 4,234 |
| Assets per employee ($millions) | 4.0329% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9821% | 383 |
| Loan loss allowance to noncurrent loans | 64.8664% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 5.0553% | 1,265 |
| Noncurrent loans to loans | 6.1389% | 1,028 |
| Net loans and leases to total assets | 60.3456% | 4,993 |
| Net loans and leases to deposits | 70.1275% | 5,259 |
| Net loans and leases to core deposits | 70.8008% | 5,797 |
| Total domestic deposits to total assets | 86.0512% | 3,048 |
| Equity capital to assets | 11.6907% | 2,288 |
| Core capital (leverage) ratio | 11.3761% | 1,992 |
| Tier 1 risk-based capital ratio | 16.7344% | 2,389 |
| Total risk-based capital ratio | 18.0147% | 2,326 |
| Memoranda: | ||
| Average total assets | $225,918,330 | 2,861 |
| Average earning assets | $199,579,330 | 2,959 |
| Average equity | $28,597,000 | 2,296 |
| Average total loans | $146,702,670 | 2,888 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1060% | 769 |
| Cost of funding earning assets | 1.1140% | 5,834 |
| Net interest margin | 4.9920% | 422 |
| Noninterest income to average assets | 0.8627% | 1,757 |
| Noninterest expense to average assets | 3.6224% | 1,686 |
| Loan and lease loss provision to assets | 1.4290% | 830 |
| Net operating income to assets | 0.2215% | 5,612 |
| Return on assets (ROA) | 0.2215% | 5,729 |
| Pretax return on assets | 0.2215% | 5,817 |
| Return on Equity (ROE) | 1.6837% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.6837% | 5,096 |
| Net charge-offs to loans | 2.7602% | 581 |
| Credit loss provision to net charge-offs | 78.4314% | 3,918 |
| Earnings coverage of net charge-offs (x) | 0.9059% | 4,234 |
| Efficiency ratio | 68.6992% | 4,574 |
| Assets per employee ($millions) | 3.6593% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8820% | 912 |
| Loan loss allowance to noncurrent loans | 66.6771% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 3.7602% | 1,849 |
| Noncurrent loans to loans | 4.3223% | 1,753 |
| Net loans and leases to total assets | 63.5707% | 4,410 |
| Net loans and leases to deposits | 75.0211% | 4,574 |
| Net loans and leases to core deposits | 75.4627% | 5,331 |
| Total domestic deposits to total assets | 84.7372% | 3,786 |
| Equity capital to assets | 12.9924% | 1,529 |
| Core capital (leverage) ratio | 12.8748% | 1,260 |
| Tier 1 risk-based capital ratio | 17.9264% | 1,958 |
| Total risk-based capital ratio | 19.1945% | 1,928 |
| Memoranda: | ||
| Average total assets | $223,939,500 | 2,938 |
| Average earning assets | $197,838,500 | 3,026 |
| Average equity | $29,458,500 | 2,247 |
| Average total loans | $147,817,500 | 2,931 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6906% | 473 |
| Cost of funding earning assets | 1.3478% | 6,153 |
| Net interest margin | 5.3428% | 230 |
| Noninterest income to average assets | 1.2023% | 1,066 |
| Noninterest expense to average assets | 4.9241% | 553 |
| Loan and lease loss provision to assets | 1.4065% | 1,633 |
| Net operating income to assets | -0.3868% | 6,060 |
| Return on assets (ROA) | -0.3868% | 6,050 |
| Pretax return on assets | -0.3868% | 5,904 |
| Return on Equity (ROE) | -2.7316% | 5,950 |
| Retained earnings to average equity (ytd only) | -2.7316% | 5,650 |
| Net charge-offs to loans | 2.3377% | 991 |
| Credit loss provision to net charge-offs | 85.5176% | 6,148 |
| Earnings coverage of net charge-offs (x) | 0.6200% | 5,479 |
| Efficiency ratio | 82.8440% | 2,494 |
| Assets per employee ($millions) | 3.6834% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0586% | 735 |
| Loan loss allowance to noncurrent loans | 63.7033% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 4.2642% | 1,538 |
| Noncurrent loans to loans | 4.8013% | 1,437 |
| Net loans and leases to total assets | 64.5368% | 4,488 |
| Net loans and leases to deposits | 76.4260% | 4,663 |
| Net loans and leases to core deposits | 83.3550% | 5,784 |
| Total domestic deposits to total assets | 84.4435% | 3,822 |
| Equity capital to assets | 13.3212% | 1,388 |
| Core capital (leverage) ratio | 13.1276% | 1,215 |
| Tier 1 risk-based capital ratio | 18.7191% | 1,715 |
| Total risk-based capital ratio | 19.9896% | 1,673 |
| Memoranda: | ||
| Average total assets | $212,018,800 | 3,040 |
| Average earning assets | $188,158,200 | 3,113 |
| Average equity | $30,018,600 | 2,227 |
| Average total loans | $149,161,400 | 2,925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9066% | 349 |
| Cost of funding earning assets | 1.3909% | 6,266 |
| Net interest margin | 5.5157% | 182 |
| Noninterest income to average assets | 1.2642% | 963 |
| Noninterest expense to average assets | 4.4409% | 794 |
| Loan and lease loss provision to assets | 1.2330% | 1,573 |
| Net operating income to assets | 0.4951% | 4,006 |
| Return on assets (ROA) | 0.4951% | 4,100 |
| Pretax return on assets | 0.4951% | 4,531 |
| Return on Equity (ROE) | 3.4434% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.4434% | 3,369 |
| Net charge-offs to loans | 2.3839% | 771 |
| Credit loss provision to net charge-offs | 72.4963% | 5,934 |
| Earnings coverage of net charge-offs (x) | 1.0161% | 5,034 |
| Efficiency ratio | 71.9864% | 4,243 |
| Assets per employee ($millions) | 3.5327% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7967% | 794 |
| Loan loss allowance to noncurrent loans | 275.9535% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 4,353 |
| Noncurrent loans to loans | 1.0135% | 5,279 |
| Net loans and leases to total assets | 66.6689% | 4,269 |
| Net loans and leases to deposits | 79.6339% | 4,450 |
| Net loans and leases to core deposits | 86.8220% | 5,781 |
| Total domestic deposits to total assets | 83.7193% | 3,852 |
| Equity capital to assets | 13.7946% | 1,376 |
| Core capital (leverage) ratio | 14.3649% | 992 |
| Tier 1 risk-based capital ratio | 19.6476% | 1,627 |
| Total risk-based capital ratio | 20.9151% | 1,584 |
| Memoranda: | ||
| Average total assets | $209,773,250 | 3,091 |
| Average earning assets | $186,541,000 | 3,158 |
| Average equity | $30,163,250 | 2,243 |
| Average total loans | $149,670,000 | 2,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1242% | 260 |
| Cost of funding earning assets | 1.4281% | 6,385 |
| Net interest margin | 5.6961% | 141 |
| Noninterest income to average assets | 1.3537% | 832 |
| Noninterest expense to average assets | 4.4484% | 813 |
| Loan and lease loss provision to assets | 1.5230% | 1,123 |
| Net operating income to assets | 0.3046% | 4,879 |
| Return on assets (ROA) | 0.3046% | 4,990 |
| Pretax return on assets | 0.4321% | 4,842 |
| Return on Equity (ROE) | 2.0878% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.0878% | 4,184 |
| Net charge-offs to loans | 2.1119% | 873 |
| Credit loss provision to net charge-offs | 99.6815% | 4,623 |
| Earnings coverage of net charge-offs (x) | 1.2796% | 4,566 |
| Efficiency ratio | 69.4681% | 4,884 |
| Assets per employee ($millions) | 3.3954% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2075% | 482 |
| Loan loss allowance to noncurrent loans | 205.4232% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 1.8283% | 3,436 |
| Noncurrent loans to loans | 1.5614% | 4,155 |
| Net loans and leases to total assets | 70.5376% | 3,568 |
| Net loans and leases to deposits | 84.2572% | 3,832 |
| Net loans and leases to core deposits | 91.0587% | 5,442 |
| Total domestic deposits to total assets | 83.7170% | 3,914 |
| Equity capital to assets | 14.0601% | 1,292 |
| Core capital (leverage) ratio | 14.9393% | 937 |
| Tier 1 risk-based capital ratio | 19.1636% | 1,749 |
| Total risk-based capital ratio | 20.4365% | 1,693 |
| Memoranda: | ||
| Average total assets | $205,511,670 | 3,158 |
| Average earning assets | $182,196,330 | 3,235 |
| Average equity | $29,984,000 | 2,264 |
| Average total loans | $148,678,000 | 3,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4272% | 183 |
| Cost of funding earning assets | 1.4598% | 6,544 |
| Net interest margin | 5.9674% | 105 |
| Noninterest income to average assets | 1.6790% | 484 |
| Noninterest expense to average assets | 4.6932% | 596 |
| Loan and lease loss provision to assets | 1.2419% | 1,043 |
| Net operating income to assets | 0.6776% | 3,670 |
| Return on assets (ROA) | 0.6776% | 3,853 |
| Pretax return on assets | 1.0153% | 3,288 |
| Return on Equity (ROE) | 4.5561% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.5561% | 3,398 |
| Net charge-offs to loans | 1.5551% | 929 |
| Credit loss provision to net charge-offs | 110.8156% | 3,481 |
| Earnings coverage of net charge-offs (x) | 2.0142% | 3,713 |
| Efficiency ratio | 67.5243% | 5,048 |
| Assets per employee ($millions) | 3.1853% | 5,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4671% | 330 |
| Loan loss allowance to noncurrent loans | 112.8034% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 2.8545% | 1,994 |
| Noncurrent loans to loans | 3.0735% | 2,112 |
| Net loans and leases to total assets | 69.1916% | 3,874 |
| Net loans and leases to deposits | 83.3961% | 4,075 |
| Net loans and leases to core deposits | 89.9234% | 5,559 |
| Total domestic deposits to total assets | 82.9675% | 4,165 |
| Equity capital to assets | 14.7962% | 1,164 |
| Core capital (leverage) ratio | 15.3045% | 899 |
| Tier 1 risk-based capital ratio | 20.1664% | 1,593 |
| Total risk-based capital ratio | 21.4420% | 1,539 |
| Memoranda: | ||
| Average total assets | $201,312,500 | 3,222 |
| Average earning assets | $177,832,500 | 3,308 |
| Average equity | $29,938,000 | 2,281 |
| Average total loans | $145,073,500 | 3,088 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9028% | 219 |
| Cost of funding earning assets | 1.8242% | 6,944 |
| Net interest margin | 6.0785% | 100 |
| Noninterest income to average assets | 1.2779% | 901 |
| Noninterest expense to average assets | 5.2246% | 568 |
| Loan and lease loss provision to assets | 0.5224% | 2,725 |
| Net operating income to assets | 0.5319% | 4,608 |
| Return on assets (ROA) | 0.5319% | 4,460 |
| Pretax return on assets | 0.8433% | 3,914 |
| Return on Equity (ROE) | 3.6045% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.6045% | 2,904 |
| Net charge-offs to loans | 0.3142% | 3,286 |
| Credit loss provision to net charge-offs | 237.9310% | 1,987 |
| Earnings coverage of net charge-offs (x) | 6.2207% | 3,410 |
| Efficiency ratio | 79.2771% | 2,712 |
| Assets per employee ($millions) | 3.1058% | 5,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4750% | 282 |
| Loan loss allowance to noncurrent loans | 123.1848% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 2.7560% | 1,714 |
| Noncurrent loans to loans | 2.8210% | 1,922 |
| Net loans and leases to total assets | 69.9428% | 4,034 |
| Net loans and leases to deposits | 84.1748% | 4,402 |
| Net loans and leases to core deposits | 89.8570% | 5,809 |
| Total domestic deposits to total assets | 83.0923% | 3,727 |
| Equity capital to assets | 14.9486% | 1,172 |
| Core capital (leverage) ratio | 14.9574% | 1,049 |
| Tier 1 risk-based capital ratio | 20.0665% | 1,609 |
| Total risk-based capital ratio | 21.3414% | 1,569 |
| Memoranda: | ||
| Average total assets | $198,140,800 | 3,164 |
| Average earning assets | $173,167,200 | 3,281 |
| Average equity | $29,241,200 | 2,311 |
| Average total loans | $138,426,200 | 3,121 |