Home > FirstAtlantic Bank > Performance and Condition Ratios
FirstAtlantic Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,421 |
| Cost of funding earning assets | 0.4742% | 2,557 |
| Net interest margin | 4.1281% | 1,352 |
| Noninterest income to average assets | 0.3224% | 4,160 |
| Noninterest expense to average assets | 2.8480% | 2,615 |
| Loan and lease loss provision to assets | 0.0307% | 3,661 |
| Net operating income to assets | 0.9316% | 2,541 |
| Return on assets (ROA) | 0.9316% | 2,574 |
| Pretax return on assets | 1.2828% | 2,418 |
| Return on Equity (ROE) | 7.5693% | 3,007 |
| Retained earnings to average equity (ytd only) | 7.5693% | 900 |
| Net charge-offs to loans | -0.0623% | 5,243 |
| Credit loss provision to net charge-offs | -70.0508% | 4,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7663% | 3,120 |
| Assets per employee ($millions) | 5.7346% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,693 |
| Loan loss allowance to noncurrent loans | 578.3186% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,194 |
| Noncurrent loans to loans | 0.1455% | 4,340 |
| Net loans and leases to total assets | 70.6750% | 2,420 |
| Net loans and leases to deposits | 81.7067% | 2,752 |
| Net loans and leases to core deposits | 88.8775% | 2,660 |
| Total domestic deposits to total assets | 86.4984% | 2,232 |
| Equity capital to assets | 13.1758% | 1,176 |
| Core capital (leverage) ratio | 12.6553% | 1,284 |
| Tier 1 risk-based capital ratio | 17.3067% | 1,993 |
| Total risk-based capital ratio | 18.1006% | 2,089 |
| Memoranda: | ||
| Average total assets | $450,099,800 | 1,547 |
| Average earning assets | $418,591,800 | 1,536 |
| Average equity | $55,395,000 | 1,400 |
| Average total loans | $316,056,200 | 1,500 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5854% | 1,410 |
| Cost of funding earning assets | 0.4685% | 2,534 |
| Net interest margin | 4.1169% | 1,347 |
| Noninterest income to average assets | 0.3180% | 4,265 |
| Noninterest expense to average assets | 2.7400% | 2,929 |
| Loan and lease loss provision to assets | 0.0406% | 3,299 |
| Net operating income to assets | 0.9557% | 2,739 |
| Return on assets (ROA) | 0.9557% | 2,804 |
| Pretax return on assets | 1.3695% | 2,221 |
| Return on Equity (ROE) | 7.8996% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.8996% | 1,261 |
| Net charge-offs to loans | 0.0256% | 2,931 |
| Credit loss provision to net charge-offs | 226.2295% | 1,231 |
| Earnings coverage of net charge-offs (x) | 78.6570% | 821 |
| Efficiency ratio | 64.3580% | 3,476 |
| Assets per employee ($millions) | 5.5327% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 5,068 |
| Loan loss allowance to noncurrent loans | 522.3947% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 4,242 |
| Noncurrent loans to loans | 0.1400% | 4,495 |
| Net loans and leases to total assets | 68.7909% | 2,728 |
| Net loans and leases to deposits | 85.2684% | 2,399 |
| Net loans and leases to core deposits | 92.8171% | 2,368 |
| Total domestic deposits to total assets | 80.6758% | 4,146 |
| Equity capital to assets | 12.2244% | 1,824 |
| Core capital (leverage) ratio | 12.2055% | 1,568 |
| Tier 1 risk-based capital ratio | 16.5251% | 2,316 |
| Total risk-based capital ratio | 17.2204% | 2,457 |
| Memoranda: | ||
| Average total assets | $453,667,500 | 1,547 |
| Average earning assets | $422,286,250 | 1,538 |
| Average equity | $54,887,750 | 1,425 |
| Average total loans | $317,411,250 | 1,498 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5498% | 1,393 |
| Cost of funding earning assets | 0.4572% | 2,532 |
| Net interest margin | 4.0926% | 1,344 |
| Noninterest income to average assets | 0.3120% | 4,305 |
| Noninterest expense to average assets | 2.7553% | 2,905 |
| Loan and lease loss provision to assets | 0.0613% | 2,738 |
| Net operating income to assets | 0.8258% | 3,266 |
| Return on assets (ROA) | 0.8258% | 3,322 |
| Pretax return on assets | 1.3107% | 2,347 |
| Return on Equity (ROE) | 6.8502% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.8502% | 1,666 |
| Net charge-offs to loans | 0.0272% | 2,668 |
| Credit loss provision to net charge-offs | 320.9302% | 922 |
| Earnings coverage of net charge-offs (x) | 71.7907% | 828 |
| Efficiency ratio | 65.0765% | 3,498 |
| Assets per employee ($millions) | 5.4970% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 5,126 |
| Loan loss allowance to noncurrent loans | 3,956.6667% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 4,689 |
| Noncurrent loans to loans | 0.0185% | 5,097 |
| Net loans and leases to total assets | 69.5671% | 2,587 |
| Net loans and leases to deposits | 85.1884% | 2,329 |
| Net loans and leases to core deposits | 93.7295% | 2,177 |
| Total domestic deposits to total assets | 81.6627% | 3,990 |
| Equity capital to assets | 12.0025% | 1,924 |
| Core capital (leverage) ratio | 11.9100% | 1,686 |
| Tier 1 risk-based capital ratio | 16.3299% | 2,383 |
| Total risk-based capital ratio | 17.0402% | 2,524 |
| Memoranda: | ||
| Average total assets | $449,975,670 | 1,562 |
| Average earning assets | $419,490,330 | 1,552 |
| Average equity | $54,246,330 | 1,442 |
| Average total loans | $315,862,670 | 1,500 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 1,512 |
| Cost of funding earning assets | 0.4382% | 2,637 |
| Net interest margin | 4.0070% | 1,456 |
| Noninterest income to average assets | 0.2801% | 4,548 |
| Noninterest expense to average assets | 2.8436% | 2,640 |
| Loan and lease loss provision to assets | 0.0585% | 2,636 |
| Net operating income to assets | 0.6990% | 3,710 |
| Return on assets (ROA) | 0.6990% | 3,747 |
| Pretax return on assets | 1.1259% | 2,878 |
| Return on Equity (ROE) | 5.7847% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.7847% | 2,447 |
| Net charge-offs to loans | 0.0115% | 2,589 |
| Credit loss provision to net charge-offs | 722.2222% | 444 |
| Earnings coverage of net charge-offs (x) | 146.1111% | 375 |
| Efficiency ratio | 68.8506% | 3,073 |
| Assets per employee ($millions) | 5.4365% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,210 |
| Loan loss allowance to noncurrent loans | 665.2422% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 4,411 |
| Noncurrent loans to loans | 0.1120% | 4,747 |
| Net loans and leases to total assets | 68.9142% | 2,548 |
| Net loans and leases to deposits | 79.0368% | 2,857 |
| Net loans and leases to core deposits | 85.6920% | 2,745 |
| Total domestic deposits to total assets | 87.1925% | 2,114 |
| Equity capital to assets | 11.9955% | 1,851 |
| Core capital (leverage) ratio | 11.8327% | 1,731 |
| Tier 1 risk-based capital ratio | 16.1473% | 2,487 |
| Total risk-based capital ratio | 16.8533% | 2,648 |
| Memoranda: | ||
| Average total assets | $444,090,000 | 1,585 |
| Average earning assets | $415,378,000 | 1,573 |
| Average equity | $53,659,000 | 1,448 |
| Average total loans | $311,995,000 | 1,522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,439 |
| Cost of funding earning assets | 0.3629% | 3,382 |
| Net interest margin | 4.1709% | 1,182 |
| Noninterest income to average assets | 0.2990% | 4,597 |
| Noninterest expense to average assets | 2.8205% | 2,957 |
| Loan and lease loss provision to assets | 0.0831% | 2,695 |
| Net operating income to assets | 0.8301% | 3,156 |
| Return on assets (ROA) | 0.8857% | 3,020 |
| Pretax return on assets | 1.4271% | 1,828 |
| Return on Equity (ROE) | 6.8845% | 3,528 |
| Retained earnings to average equity (ytd only) | 0.0453% | 5,291 |
| Net charge-offs to loans | 0.0292% | 3,434 |
| Credit loss provision to net charge-offs | 396.6667% | 801 |
| Earnings coverage of net charge-offs (x) | 67.9111% | 814 |
| Efficiency ratio | 64.7039% | 3,817 |
| Assets per employee ($millions) | 5.2018% | 2,168 |
| Cash dividends to net income (ytd only)* | 99.3426% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 5,288 |
| Loan loss allowance to noncurrent loans | 930.2041% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2030% | 4,512 |
| Noncurrent loans to loans | 0.0789% | 4,924 |
| Net loans and leases to total assets | 70.5834% | 2,393 |
| Net loans and leases to deposits | 86.1831% | 2,142 |
| Net loans and leases to core deposits | 95.0836% | 2,001 |
| Total domestic deposits to total assets | 81.8993% | 4,101 |
| Equity capital to assets | 12.1732% | 1,695 |
| Core capital (leverage) ratio | 12.0852% | 1,552 |
| Tier 1 risk-based capital ratio | 16.5746% | 2,319 |
| Total risk-based capital ratio | 17.2876% | 2,468 |
| Memoranda: | ||
| Average total assets | $429,393,200 | 1,581 |
| Average earning assets | $406,119,000 | 1,548 |
| Average equity | $55,240,000 | 1,390 |
| Average total loans | $307,982,800 | 1,488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,636 |
| Cost of funding earning assets | 0.3586% | 3,450 |
| Net interest margin | 4.1100% | 1,365 |
| Noninterest income to average assets | 0.3072% | 4,574 |
| Noninterest expense to average assets | 2.8431% | 2,855 |
| Loan and lease loss provision to assets | 0.0864% | 2,499 |
| Net operating income to assets | 0.7832% | 3,437 |
| Return on assets (ROA) | 0.8577% | 3,238 |
| Pretax return on assets | 1.3829% | 2,114 |
| Return on Equity (ROE) | 6.5766% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.5766% | 1,858 |
| Net charge-offs to loans | 0.0430% | 2,783 |
| Credit loss provision to net charge-offs | 279.7980% | 1,098 |
| Earnings coverage of net charge-offs (x) | 43.8171% | 1,170 |
| Efficiency ratio | 65.9581% | 3,599 |
| Assets per employee ($millions) | 5.5096% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7042% | 5,421 |
| Loan loss allowance to noncurrent loans | 203.3426% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,006 |
| Noncurrent loans to loans | 0.3463% | 4,014 |
| Net loans and leases to total assets | 70.9483% | 2,352 |
| Net loans and leases to deposits | 87.1543% | 2,127 |
| Net loans and leases to core deposits | 96.0027% | 1,988 |
| Total domestic deposits to total assets | 81.4054% | 4,133 |
| Equity capital to assets | 13.1698% | 1,403 |
| Core capital (leverage) ratio | 13.0037% | 1,192 |
| Tier 1 risk-based capital ratio | 17.1812% | 2,174 |
| Total risk-based capital ratio | 17.8575% | 2,326 |
| Memoranda: | ||
| Average total assets | $427,503,750 | 1,590 |
| Average earning assets | $404,500,250 | 1,549 |
| Average equity | $55,752,250 | 1,389 |
| Average total loans | $307,305,000 | 1,492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,538 |
| Cost of funding earning assets | 0.3589% | 3,467 |
| Net interest margin | 4.1325% | 1,286 |
| Noninterest income to average assets | 0.3116% | 4,548 |
| Noninterest expense to average assets | 2.8678% | 2,778 |
| Loan and lease loss provision to assets | 0.1304% | 1,754 |
| Net operating income to assets | 0.7537% | 3,531 |
| Return on assets (ROA) | 0.8660% | 3,141 |
| Pretax return on assets | 1.3970% | 2,038 |
| Return on Equity (ROE) | 6.6632% | 3,714 |
| Retained earnings to average equity (ytd only) | 6.6632% | 1,777 |
| Net charge-offs to loans | 0.0555% | 2,402 |
| Credit loss provision to net charge-offs | 325.8824% | 908 |
| Earnings coverage of net charge-offs (x) | 33.7882% | 1,296 |
| Efficiency ratio | 66.1461% | 3,661 |
| Assets per employee ($millions) | 5.3742% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 5,512 |
| Loan loss allowance to noncurrent loans | 238.2703% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 4,212 |
| Noncurrent loans to loans | 0.2944% | 4,316 |
| Net loans and leases to total assets | 72.5575% | 2,080 |
| Net loans and leases to deposits | 86.9571% | 2,133 |
| Net loans and leases to core deposits | 94.3390% | 2,133 |
| Total domestic deposits to total assets | 83.4406% | 3,488 |
| Equity capital to assets | 13.1556% | 1,415 |
| Core capital (leverage) ratio | 12.7966% | 1,235 |
| Tier 1 risk-based capital ratio | 16.8703% | 2,273 |
| Total risk-based capital ratio | 17.5510% | 2,448 |
| Memoranda: | ||
| Average total assets | $424,920,000 | 1,598 |
| Average earning assets | $401,837,330 | 1,565 |
| Average equity | $55,229,000 | 1,403 |
| Average total loans | $306,074,670 | 1,500 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,531 |
| Cost of funding earning assets | 0.3609% | 3,493 |
| Net interest margin | 4.1309% | 1,259 |
| Noninterest income to average assets | 0.3305% | 4,367 |
| Noninterest expense to average assets | 2.8825% | 2,764 |
| Loan and lease loss provision to assets | 0.1468% | 1,440 |
| Net operating income to assets | 0.7462% | 3,504 |
| Return on assets (ROA) | 0.7462% | 3,609 |
| Pretax return on assets | 1.2036% | 2,686 |
| Return on Equity (ROE) | 5.7768% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.7768% | 2,486 |
| Net charge-offs to loans | -0.0291% | 5,053 |
| Credit loss provision to net charge-offs | -704.5455% | 4,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2640% | 3,755 |
| Assets per employee ($millions) | 5.3755% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7211% | 5,560 |
| Loan loss allowance to noncurrent loans | 140.0512% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 3,507 |
| Noncurrent loans to loans | 0.5149% | 3,639 |
| Net loans and leases to total assets | 70.9663% | 2,199 |
| Net loans and leases to deposits | 85.0410% | 2,188 |
| Net loans and leases to core deposits | 91.0310% | 2,275 |
| Total domestic deposits to total assets | 83.4495% | 3,733 |
| Equity capital to assets | 13.0604% | 1,383 |
| Core capital (leverage) ratio | 12.6330% | 1,293 |
| Tier 1 risk-based capital ratio | 16.9645% | 2,303 |
| Total risk-based capital ratio | 17.6585% | 2,470 |
| Memoranda: | ||
| Average total assets | $422,414,000 | 1,607 |
| Average earning assets | $399,040,000 | 1,573 |
| Average equity | $54,563,500 | 1,416 |
| Average total loans | $302,036,000 | 1,511 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 1,461 |
| Cost of funding earning assets | 0.4006% | 3,153 |
| Net interest margin | 4.1480% | 1,286 |
| Noninterest income to average assets | 0.5221% | 3,183 |
| Noninterest expense to average assets | 2.8553% | 3,010 |
| Loan and lease loss provision to assets | 0.1219% | 1,965 |
| Net operating income to assets | 0.8991% | 2,875 |
| Return on assets (ROA) | 0.9036% | 2,932 |
| Pretax return on assets | 1.4566% | 1,691 |
| Return on Equity (ROE) | 6.9254% | 3,546 |
| Retained earnings to average equity (ytd only) | 2.3831% | 4,360 |
| Net charge-offs to loans | 0.0962% | 2,458 |
| Credit loss provision to net charge-offs | 180.2158% | 1,510 |
| Earnings coverage of net charge-offs (x) | 23.2338% | 1,739 |
| Efficiency ratio | 62.6930% | 4,496 |
| Assets per employee ($millions) | 5.1239% | 2,207 |
| Cash dividends to net income (ytd only)* | 65.5897% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6695% | 5,693 |
| Loan loss allowance to noncurrent loans | 101.5136% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 3,183 |
| Noncurrent loans to loans | 0.6595% | 3,213 |
| Net loans and leases to total assets | 71.0443% | 2,188 |
| Net loans and leases to deposits | 83.8665% | 2,377 |
| Net loans and leases to core deposits | 88.9285% | 2,506 |
| Total domestic deposits to total assets | 84.7112% | 3,202 |
| Equity capital to assets | 12.7722% | 1,475 |
| Core capital (leverage) ratio | 12.7159% | 1,256 |
| Tier 1 risk-based capital ratio | 16.9502% | 2,298 |
| Total risk-based capital ratio | 17.5915% | 2,507 |
| Memoranda: | ||
| Average total assets | $411,031,600 | 1,601 |
| Average earning assets | $386,911,800 | 1,579 |
| Average equity | $53,628,400 | 1,393 |
| Average total loans | $288,914,400 | 1,512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5542% | 1,442 |
| Cost of funding earning assets | 0.4123% | 3,093 |
| Net interest margin | 4.1419% | 1,299 |
| Noninterest income to average assets | 0.5871% | 2,814 |
| Noninterest expense to average assets | 2.8666% | 2,949 |
| Loan and lease loss provision to assets | 0.1634% | 1,304 |
| Net operating income to assets | 0.9011% | 2,956 |
| Return on assets (ROA) | 0.9071% | 3,024 |
| Pretax return on assets | 1.4623% | 1,793 |
| Return on Equity (ROE) | 6.9152% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.4286% | 3,308 |
| Net charge-offs to loans | 0.0545% | 2,825 |
| Credit loss provision to net charge-offs | 428.2051% | 723 |
| Earnings coverage of net charge-offs (x) | 42.3494% | 1,184 |
| Efficiency ratio | 62.1480% | 4,552 |
| Assets per employee ($millions) | 5.7854% | 1,522 |
| Cash dividends to net income (ytd only)* | 35.9583% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 5,627 |
| Loan loss allowance to noncurrent loans | 74.1132% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8162% | 2,839 |
| Noncurrent loans to loans | 1.0114% | 2,455 |
| Net loans and leases to total assets | 64.5885% | 3,215 |
| Net loans and leases to deposits | 74.2204% | 3,526 |
| Net loans and leases to core deposits | 78.4445% | 3,564 |
| Total domestic deposits to total assets | 87.0225% | 2,031 |
| Equity capital to assets | 12.2807% | 1,886 |
| Core capital (leverage) ratio | 12.7640% | 1,292 |
| Tier 1 risk-based capital ratio | 17.8389% | 2,082 |
| Total risk-based capital ratio | 18.5616% | 2,204 |
| Memoranda: | ||
| Average total assets | $408,748,750 | 1,624 |
| Average earning assets | $384,454,500 | 1,600 |
| Average equity | $53,619,500 | 1,401 |
| Average total loans | $286,014,500 | 1,529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6356% | 1,200 |
| Cost of funding earning assets | 0.4263% | 2,970 |
| Net interest margin | 4.2093% | 1,093 |
| Noninterest income to average assets | 0.6739% | 2,328 |
| Noninterest expense to average assets | 2.9412% | 2,749 |
| Loan and lease loss provision to assets | 0.1342% | 1,635 |
| Net operating income to assets | 0.9596% | 2,590 |
| Return on assets (ROA) | 0.9690% | 2,652 |
| Pretax return on assets | 1.5627% | 1,444 |
| Return on Equity (ROE) | 7.2141% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.4587% | 3,842 |
| Net charge-offs to loans | 0.1911% | 1,314 |
| Credit loss provision to net charge-offs | 97.7941% | 2,103 |
| Earnings coverage of net charge-offs (x) | 12.2610% | 2,226 |
| Efficiency ratio | 61.8154% | 4,700 |
| Assets per employee ($millions) | 4.9254% | 2,365 |
| Cash dividends to net income (ytd only)* | 52.0562% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 5,937 |
| Loan loss allowance to noncurrent loans | 53.1446% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 2,526 |
| Noncurrent loans to loans | 1.1751% | 2,304 |
| Net loans and leases to total assets | 68.5743% | 2,560 |
| Net loans and leases to deposits | 79.1182% | 2,893 |
| Net loans and leases to core deposits | 83.6993% | 3,010 |
| Total domestic deposits to total assets | 86.6733% | 2,330 |
| Equity capital to assets | 12.9023% | 1,448 |
| Core capital (leverage) ratio | 13.3080% | 1,047 |
| Tier 1 risk-based capital ratio | 18.0254% | 2,058 |
| Total risk-based capital ratio | 18.6348% | 2,215 |
| Memoranda: | ||
| Average total assets | $396,505,330 | 1,690 |
| Average earning assets | $372,033,000 | 1,653 |
| Average equity | $53,256,670 | 1,422 |
| Average total loans | $284,719,000 | 1,536 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6434% | 1,137 |
| Cost of funding earning assets | 0.4393% | 2,883 |
| Net interest margin | 4.2041% | 1,049 |
| Noninterest income to average assets | 0.7961% | 1,726 |
| Noninterest expense to average assets | 2.9482% | 2,743 |
| Loan and lease loss provision to assets | 0.0423% | 3,067 |
| Net operating income to assets | 1.0822% | 1,931 |
| Return on assets (ROA) | 1.1013% | 1,972 |
| Pretax return on assets | 1.7727% | 911 |
| Return on Equity (ROE) | 8.0309% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.0309% | 1,562 |
| Net charge-offs to loans | 0.0647% | 2,096 |
| Credit loss provision to net charge-offs | 89.1304% | 1,747 |
| Earnings coverage of net charge-offs (x) | 37.6304% | 1,013 |
| Efficiency ratio | 60.5011% | 5,029 |
| Assets per employee ($millions) | 4.6738% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6314% | 6,013 |
| Loan loss allowance to noncurrent loans | 52.5633% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 2,233 |
| Noncurrent loans to loans | 1.2013% | 2,371 |
| Net loans and leases to total assets | 71.5108% | 1,892 |
| Net loans and leases to deposits | 83.4253% | 2,151 |
| Net loans and leases to core deposits | 88.2174% | 2,305 |
| Total domestic deposits to total assets | 85.7183% | 3,084 |
| Equity capital to assets | 13.7274% | 1,081 |
| Core capital (leverage) ratio | 13.6670% | 913 |
| Tier 1 risk-based capital ratio | 17.7504% | 2,218 |
| Total risk-based capital ratio | 18.3496% | 2,400 |
| Memoranda: | ||
| Average total assets | $387,892,000 | 1,721 |
| Average earning assets | $363,264,500 | 1,690 |
| Average equity | $53,194,500 | 1,426 |
| Average total loans | $284,330,000 | 1,544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4083% | 374 |
| Cost of funding earning assets | 0.5122% | 2,552 |
| Net interest margin | 4.8961% | 358 |
| Noninterest income to average assets | 0.6352% | 2,643 |
| Noninterest expense to average assets | 3.2707% | 2,007 |
| Loan and lease loss provision to assets | 0.4591% | 359 |
| Net operating income to assets | 0.9737% | 2,509 |
| Return on assets (ROA) | 0.9808% | 2,555 |
| Pretax return on assets | 1.4708% | 1,653 |
| Return on Equity (ROE) | 7.5492% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.5492% | 1,179 |
| Net charge-offs to loans | 0.7416% | 486 |
| Credit loss provision to net charge-offs | 86.9651% | 2,706 |
| Earnings coverage of net charge-offs (x) | 3.6355% | 3,842 |
| Efficiency ratio | 61.3730% | 5,012 |
| Assets per employee ($millions) | 4.6167% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6253% | 6,109 |
| Loan loss allowance to noncurrent loans | 53.5950% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 2,183 |
| Noncurrent loans to loans | 1.1666% | 2,495 |
| Net loans and leases to total assets | 74.2034% | 1,553 |
| Net loans and leases to deposits | 87.0077% | 1,846 |
| Net loans and leases to core deposits | 93.4814% | 1,952 |
| Total domestic deposits to total assets | 85.2838% | 3,173 |
| Equity capital to assets | 13.6997% | 1,074 |
| Core capital (leverage) ratio | 13.1387% | 1,088 |
| Tier 1 risk-based capital ratio | 16.9309% | 2,536 |
| Total risk-based capital ratio | 17.5365% | 2,760 |
| Memoranda: | ||
| Average total assets | $385,084,400 | 1,702 |
| Average earning assets | $358,245,400 | 1,671 |
| Average equity | $50,031,600 | 1,442 |
| Average total loans | $274,152,200 | 1,552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3728% | 396 |
| Cost of funding earning assets | 0.5161% | 2,598 |
| Net interest margin | 4.8567% | 372 |
| Noninterest income to average assets | 0.3590% | 4,564 |
| Noninterest expense to average assets | 3.1877% | 2,214 |
| Loan and lease loss provision to assets | 0.5135% | 291 |
| Net operating income to assets | 0.7262% | 3,807 |
| Return on assets (ROA) | 0.7262% | 3,913 |
| Pretax return on assets | 1.1709% | 2,904 |
| Return on Equity (ROE) | 5.6661% | 4,417 |
| Retained earnings to average equity (ytd only) | 5.6661% | 2,630 |
| Net charge-offs to loans | 0.8305% | 400 |
| Credit loss provision to net charge-offs | 87.9218% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.8840% | 3,798 |
| Efficiency ratio | 63.6738% | 4,605 |
| Assets per employee ($millions) | 4.8122% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 6,107 |
| Loan loss allowance to noncurrent loans | 43.7559% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 1,674 |
| Noncurrent loans to loans | 1.5951% | 2,032 |
| Net loans and leases to total assets | 69.2389% | 2,316 |
| Net loans and leases to deposits | 81.9489% | 2,430 |
| Net loans and leases to core deposits | 87.5617% | 2,474 |
| Total domestic deposits to total assets | 84.4903% | 3,552 |
| Equity capital to assets | 13.2988% | 1,278 |
| Core capital (leverage) ratio | 12.7704% | 1,277 |
| Tier 1 risk-based capital ratio | 17.6164% | 2,352 |
| Total risk-based capital ratio | 18.2918% | 2,555 |
| Memoranda: | ||
| Average total assets | $385,559,750 | 1,707 |
| Average earning assets | $358,286,750 | 1,696 |
| Average equity | $49,415,750 | 1,460 |
| Average total loans | $271,159,250 | 1,577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 302 |
| Cost of funding earning assets | 0.5202% | 2,638 |
| Net interest margin | 4.9871% | 290 |
| Noninterest income to average assets | 0.3521% | 4,609 |
| Noninterest expense to average assets | 3.1743% | 2,269 |
| Loan and lease loss provision to assets | 0.2582% | 830 |
| Net operating income to assets | 0.9629% | 2,488 |
| Return on assets (ROA) | 0.9629% | 2,579 |
| Pretax return on assets | 1.5526% | 1,388 |
| Return on Equity (ROE) | 7.6068% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,478 |
| Net charge-offs to loans | 0.0630% | 3,083 |
| Credit loss provision to net charge-offs | 581.3953% | 522 |
| Earnings coverage of net charge-offs (x) | 40.7791% | 1,044 |
| Efficiency ratio | 61.9679% | 5,010 |
| Assets per employee ($millions) | 4.5747% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8957% | 5,734 |
| Loan loss allowance to noncurrent loans | 29.4230% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.8026% | 932 |
| Noncurrent loans to loans | 3.0441% | 940 |
| Net loans and leases to total assets | 70.2268% | 2,040 |
| Net loans and leases to deposits | 83.4466% | 2,095 |
| Net loans and leases to core deposits | 90.2720% | 2,103 |
| Total domestic deposits to total assets | 84.1578% | 3,869 |
| Equity capital to assets | 12.9501% | 1,397 |
| Core capital (leverage) ratio | 12.4039% | 1,442 |
| Tier 1 risk-based capital ratio | 16.6350% | 2,768 |
| Total risk-based capital ratio | 17.4915% | 2,910 |
| Memoranda: | ||
| Average total assets | $387,359,000 | 1,700 |
| Average earning assets | $359,845,670 | 1,683 |
| Average equity | $49,035,330 | 1,464 |
| Average total loans | $273,189,000 | 1,565 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4528% | 314 |
| Cost of funding earning assets | 0.5186% | 2,729 |
| Net interest margin | 4.9342% | 308 |
| Noninterest income to average assets | 0.3176% | 4,833 |
| Noninterest expense to average assets | 3.0915% | 2,559 |
| Loan and lease loss provision to assets | 0.2587% | 823 |
| Net operating income to assets | 0.9581% | 2,366 |
| Return on assets (ROA) | 0.9581% | 2,438 |
| Pretax return on assets | 1.5447% | 1,302 |
| Return on Equity (ROE) | 7.6569% | 3,119 |
| Retained earnings to average equity (ytd only) | 7.6569% | 1,746 |
| Net charge-offs to loans | 0.1353% | 1,901 |
| Credit loss provision to net charge-offs | 271.7391% | 850 |
| Earnings coverage of net charge-offs (x) | 18.9457% | 1,399 |
| Efficiency ratio | 61.4246% | 5,215 |
| Assets per employee ($millions) | 4.6513% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 6,060 |
| Loan loss allowance to noncurrent loans | 19.7148% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 3.7546% | 668 |
| Noncurrent loans to loans | 4.1554% | 629 |
| Net loans and leases to total assets | 69.3677% | 2,002 |
| Net loans and leases to deposits | 82.5918% | 1,993 |
| Net loans and leases to core deposits | 90.1116% | 1,896 |
| Total domestic deposits to total assets | 83.9886% | 4,282 |
| Equity capital to assets | 12.7018% | 1,455 |
| Core capital (leverage) ratio | 12.2170% | 1,524 |
| Tier 1 risk-based capital ratio | 17.0119% | 2,683 |
| Total risk-based capital ratio | 17.8142% | 2,836 |
| Memoranda: | ||
| Average total assets | $386,612,000 | 1,716 |
| Average earning assets | $358,639,000 | 1,695 |
| Average equity | $48,374,500 | 1,482 |
| Average total loans | $272,010,000 | 1,571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0807% | 788 |
| Cost of funding earning assets | 0.6335% | 2,349 |
| Net interest margin | 4.4472% | 830 |
| Noninterest income to average assets | 1.2489% | 893 |
| Noninterest expense to average assets | 3.2473% | 2,285 |
| Loan and lease loss provision to assets | 0.3186% | 1,037 |
| Net operating income to assets | 1.1387% | 1,801 |
| Return on assets (ROA) | 1.1636% | 1,764 |
| Pretax return on assets | 1.8761% | 634 |
| Return on Equity (ROE) | 9.4541% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.4541% | 668 |
| Net charge-offs to loans | 0.3777% | 1,783 |
| Credit loss provision to net charge-offs | 124.6040% | 1,911 |
| Earnings coverage of net charge-offs (x) | 8.4319% | 2,673 |
| Efficiency ratio | 58.7868% | 5,636 |
| Assets per employee ($millions) | 4.9008% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 6,268 |
| Loan loss allowance to noncurrent loans | 17.9045% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 3.8627% | 701 |
| Noncurrent loans to loans | 4.1867% | 670 |
| Net loans and leases to total assets | 70.2423% | 1,974 |
| Net loans and leases to deposits | 84.5058% | 1,866 |
| Net loans and leases to core deposits | 92.4665% | 1,739 |
| Total domestic deposits to total assets | 83.1212% | 4,506 |
| Equity capital to assets | 12.3236% | 1,610 |
| Core capital (leverage) ratio | 11.9091% | 1,669 |
| Tier 1 risk-based capital ratio | 16.1314% | 3,041 |
| Total risk-based capital ratio | 16.8534% | 3,264 |
| Memoranda: | ||
| Average total assets | $370,403,000 | 1,760 |
| Average earning assets | $345,994,200 | 1,730 |
| Average equity | $45,588,600 | 1,537 |
| Average total loans | $250,758,400 | 1,658 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9216% | 1,083 |
| Cost of funding earning assets | 0.6574% | 2,302 |
| Net interest margin | 4.2642% | 1,175 |
| Noninterest income to average assets | 1.6977% | 525 |
| Noninterest expense to average assets | 3.2392% | 2,229 |
| Loan and lease loss provision to assets | 0.4296% | 678 |
| Net operating income to assets | 1.2575% | 1,462 |
| Return on assets (ROA) | 1.2910% | 1,442 |
| Pretax return on assets | 2.0727% | 501 |
| Return on Equity (ROE) | 10.4930% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.4930% | 688 |
| Net charge-offs to loans | 0.2988% | 2,042 |
| Credit loss provision to net charge-offs | 214.9362% | 1,128 |
| Earnings coverage of net charge-offs (x) | 12.2569% | 2,155 |
| Efficiency ratio | 55.6892% | 5,943 |
| Assets per employee ($millions) | 4.8437% | 2,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8928% | 6,071 |
| Loan loss allowance to noncurrent loans | 15.9190% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 4.8586% | 588 |
| Noncurrent loans to loans | 5.6086% | 478 |
| Net loans and leases to total assets | 70.2404% | 1,922 |
| Net loans and leases to deposits | 82.9355% | 2,009 |
| Net loans and leases to core deposits | 90.7276% | 1,898 |
| Total domestic deposits to total assets | 84.6929% | 3,888 |
| Equity capital to assets | 12.2261% | 1,766 |
| Core capital (leverage) ratio | 11.6958% | 1,888 |
| Tier 1 risk-based capital ratio | 15.7207% | 3,337 |
| Total risk-based capital ratio | 16.5764% | 3,506 |
| Memoranda: | ||
| Average total assets | $366,212,000 | 1,790 |
| Average earning assets | $342,781,750 | 1,752 |
| Average equity | $45,057,500 | 1,568 |
| Average total loans | $244,945,750 | 1,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 1,856 |
| Cost of funding earning assets | 0.6859% | 2,173 |
| Net interest margin | 3.9140% | 2,172 |
| Noninterest income to average assets | 2.3719% | 349 |
| Noninterest expense to average assets | 3.2329% | 2,267 |
| Loan and lease loss provision to assets | 0.4734% | 598 |
| Net operating income to assets | 1.4462% | 993 |
| Return on assets (ROA) | 1.4976% | 973 |
| Pretax return on assets | 2.4165% | 302 |
| Return on Equity (ROE) | 12.1442% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.1442% | 467 |
| Net charge-offs to loans | 0.4697% | 1,404 |
| Credit loss provision to net charge-offs | 153.9855% | 1,501 |
| Earnings coverage of net charge-offs (x) | 9.1395% | 2,321 |
| Efficiency ratio | 52.3687% | 6,262 |
| Assets per employee ($millions) | 4.9033% | 2,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 6,396 |
| Loan loss allowance to noncurrent loans | 11.0210% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 5.4471% | 543 |
| Noncurrent loans to loans | 7.0568% | 338 |
| Net loans and leases to total assets | 67.2686% | 2,369 |
| Net loans and leases to deposits | 79.5646% | 2,392 |
| Net loans and leases to core deposits | 86.6079% | 2,273 |
| Total domestic deposits to total assets | 84.5460% | 4,108 |
| Equity capital to assets | 11.6858% | 2,139 |
| Core capital (leverage) ratio | 11.0517% | 2,305 |
| Tier 1 risk-based capital ratio | 15.7045% | 3,364 |
| Total risk-based capital ratio | 16.4591% | 3,607 |
| Memoranda: | ||
| Average total assets | $359,116,330 | 1,818 |
| Average earning assets | $336,787,330 | 1,778 |
| Average equity | $44,284,670 | 1,597 |
| Average total loans | $235,050,000 | 1,750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 2,292 |
| Cost of funding earning assets | 0.7322% | 1,979 |
| Net interest margin | 3.7342% | 2,717 |
| Noninterest income to average assets | 0.3139% | 5,181 |
| Noninterest expense to average assets | 3.1134% | 2,634 |
| Loan and lease loss provision to assets | 0.2606% | 1,369 |
| Net operating income to assets | 0.2831% | 5,616 |
| Return on assets (ROA) | 0.2831% | 5,739 |
| Pretax return on assets | 0.4561% | 5,397 |
| Return on Equity (ROE) | 2.2266% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.2266% | 4,896 |
| Net charge-offs to loans | 0.0555% | 3,274 |
| Credit loss provision to net charge-offs | 733.3333% | 395 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,196 |
| Efficiency ratio | 79.5546% | 2,394 |
| Assets per employee ($millions) | 5.0216% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 6,169 |
| Loan loss allowance to noncurrent loans | 30.8873% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 2.1424% | 2,191 |
| Noncurrent loans to loans | 3.0302% | 1,657 |
| Net loans and leases to total assets | 63.2970% | 2,832 |
| Net loans and leases to deposits | 75.4601% | 2,711 |
| Net loans and leases to core deposits | 84.3770% | 2,284 |
| Total domestic deposits to total assets | 83.8814% | 4,528 |
| Equity capital to assets | 12.7810% | 1,543 |
| Core capital (leverage) ratio | 11.7459% | 1,709 |
| Tier 1 risk-based capital ratio | 17.8076% | 2,442 |
| Total risk-based capital ratio | 18.7250% | 2,530 |
| Memoranda: | ||
| Average total assets | $337,639,500 | 1,945 |
| Average earning assets | $317,929,500 | 1,909 |
| Average equity | $42,934,500 | 1,666 |
| Average total loans | $216,281,500 | 1,901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7395% | 2,429 |
| Cost of funding earning assets | 0.7203% | 3,325 |
| Net interest margin | 4.0192% | 2,319 |
| Noninterest income to average assets | 0.3586% | 4,914 |
| Noninterest expense to average assets | 3.0107% | 3,233 |
| Loan and lease loss provision to assets | 0.4647% | 1,348 |
| Net operating income to assets | 0.4157% | 5,032 |
| Return on assets (ROA) | 0.5285% | 4,834 |
| Pretax return on assets | 0.8531% | 4,091 |
| Return on Equity (ROE) | 4.0931% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.0931% | 3,332 |
| Net charge-offs to loans | 0.8176% | 1,432 |
| Credit loss provision to net charge-offs | 88.6550% | 3,526 |
| Earnings coverage of net charge-offs (x) | 2.1778% | 4,331 |
| Efficiency ratio | 70.9877% | 3,625 |
| Assets per employee ($millions) | 5.2943% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 6,415 |
| Loan loss allowance to noncurrent loans | 23.7425% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 2.4218% | 2,024 |
| Noncurrent loans to loans | 3.5268% | 1,411 |
| Net loans and leases to total assets | 63.6800% | 2,952 |
| Net loans and leases to deposits | 77.7721% | 2,569 |
| Net loans and leases to core deposits | 86.2566% | 2,284 |
| Total domestic deposits to total assets | 81.8803% | 5,140 |
| Equity capital to assets | 12.6516% | 1,612 |
| Core capital (leverage) ratio | 11.5791% | 1,821 |
| Tier 1 risk-based capital ratio | 17.1385% | 2,586 |
| Total risk-based capital ratio | 17.9442% | 2,769 |
| Memoranda: | ||
| Average total assets | $326,235,400 | 1,969 |
| Average earning assets | $307,920,800 | 1,923 |
| Average equity | $42,120,000 | 1,651 |
| Average total loans | $209,161,000 | 1,926 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 2,316 |
| Cost of funding earning assets | 0.7411% | 3,420 |
| Net interest margin | 4.0791% | 2,175 |
| Noninterest income to average assets | 0.3933% | 4,684 |
| Noninterest expense to average assets | 2.9523% | 3,397 |
| Loan and lease loss provision to assets | 0.4647% | 1,334 |
| Net operating income to assets | 0.5140% | 4,790 |
| Return on assets (ROA) | 0.6260% | 4,516 |
| Pretax return on assets | 1.0036% | 3,691 |
| Return on Equity (ROE) | 4.8235% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.8235% | 3,493 |
| Net charge-offs to loans | 0.6897% | 1,598 |
| Credit loss provision to net charge-offs | 105.1354% | 2,795 |
| Earnings coverage of net charge-offs (x) | 2.9262% | 3,856 |
| Efficiency ratio | 68.0404% | 4,057 |
| Assets per employee ($millions) | 5.0606% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,991 |
| Loan loss allowance to noncurrent loans | 21.8677% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 3.1808% | 1,618 |
| Noncurrent loans to loans | 4.6823% | 995 |
| Net loans and leases to total assets | 62.7623% | 3,249 |
| Net loans and leases to deposits | 77.1681% | 2,781 |
| Net loans and leases to core deposits | 86.7043% | 2,378 |
| Total domestic deposits to total assets | 81.3319% | 5,255 |
| Equity capital to assets | 13.4839% | 1,354 |
| Core capital (leverage) ratio | 12.4052% | 1,445 |
| Tier 1 risk-based capital ratio | 19.2281% | 1,939 |
| Total risk-based capital ratio | 20.2470% | 1,982 |
| Memoranda: | ||
| Average total assets | $323,085,500 | 2,009 |
| Average earning assets | $305,127,000 | 1,958 |
| Average equity | $41,933,000 | 1,676 |
| Average total loans | $207,053,250 | 1,966 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 2,335 |
| Cost of funding earning assets | 0.7720% | 3,428 |
| Net interest margin | 4.0694% | 2,214 |
| Noninterest income to average assets | 0.2132% | 6,041 |
| Noninterest expense to average assets | 2.9713% | 3,370 |
| Loan and lease loss provision to assets | 0.3242% | 2,033 |
| Net operating income to assets | 0.4663% | 4,968 |
| Return on assets (ROA) | 0.6336% | 4,452 |
| Pretax return on assets | 1.0157% | 3,650 |
| Return on Equity (ROE) | 4.9446% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.9446% | 3,303 |
| Net charge-offs to loans | 0.4936% | 2,105 |
| Credit loss provision to net charge-offs | 102.1359% | 2,664 |
| Earnings coverage of net charge-offs (x) | 3.3981% | 3,389 |
| Efficiency ratio | 71.8003% | 3,462 |
| Assets per employee ($millions) | 4.8847% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,186 |
| Loan loss allowance to noncurrent loans | 19.4733% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 3.5993% | 1,462 |
| Noncurrent loans to loans | 5.0981% | 950 |
| Net loans and leases to total assets | 63.6368% | 3,117 |
| Net loans and leases to deposits | 76.8716% | 2,858 |
| Net loans and leases to core deposits | 86.4614% | 2,367 |
| Total domestic deposits to total assets | 82.7833% | 4,833 |
| Equity capital to assets | 13.2996% | 1,395 |
| Core capital (leverage) ratio | 12.2735% | 1,459 |
| Tier 1 risk-based capital ratio | 18.6848% | 2,078 |
| Total risk-based capital ratio | 19.6678% | 2,116 |
| Memoranda: | ||
| Average total assets | $324,508,330 | 1,996 |
| Average earning assets | $305,942,000 | 1,948 |
| Average equity | $41,581,000 | 1,683 |
| Average total loans | $208,682,000 | 1,952 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 2,103 |
| Cost of funding earning assets | 0.8114% | 3,378 |
| Net interest margin | 4.1258% | 2,005 |
| Noninterest income to average assets | 0.2439% | 5,892 |
| Noninterest expense to average assets | 2.9914% | 3,282 |
| Loan and lease loss provision to assets | 0.3975% | 1,593 |
| Net operating income to assets | 0.4402% | 5,082 |
| Return on assets (ROA) | 0.4402% | 5,274 |
| Pretax return on assets | 0.7366% | 4,665 |
| Return on Equity (ROE) | 3.4999% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.4999% | 4,478 |
| Net charge-offs to loans | 0.4740% | 1,904 |
| Credit loss provision to net charge-offs | 130.4000% | 1,864 |
| Earnings coverage of net charge-offs (x) | 3.7200% | 2,772 |
| Efficiency ratio | 71.0021% | 3,622 |
| Assets per employee ($millions) | 4.7631% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,260 |
| Loan loss allowance to noncurrent loans | 18.2254% | 6,615 |
| Noncurrent assets plus other real estate owned to assets | 3.8094% | 1,465 |
| Noncurrent loans to loans | 5.4723% | 973 |
| Net loans and leases to total assets | 65.0410% | 2,641 |
| Net loans and leases to deposits | 78.2783% | 2,456 |
| Net loans and leases to core deposits | 87.5758% | 2,107 |
| Total domestic deposits to total assets | 83.0894% | 4,892 |
| Equity capital to assets | 13.0326% | 1,427 |
| Core capital (leverage) ratio | 11.9493% | 1,617 |
| Tier 1 risk-based capital ratio | 17.7478% | 2,384 |
| Total risk-based capital ratio | 18.7299% | 2,453 |
| Memoranda: | ||
| Average total assets | $328,010,000 | 1,982 |
| Average earning assets | $308,593,000 | 1,937 |
| Average equity | $41,258,000 | 1,686 |
| Average total loans | $210,985,000 | 1,940 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 6,494 |
| Cost of funding earning assets | 1.1747% | 2,191 |
| Net interest margin | 2.8027% | 6,822 |
| Noninterest income to average assets | 0.6470% | 2,909 |
| Noninterest expense to average assets | 2.7699% | 4,475 |
| Loan and lease loss provision to assets | 0.4640% | 2,286 |
| Net operating income to assets | 0.0131% | 6,012 |
| Return on assets (ROA) | 0.2141% | 5,686 |
| Pretax return on assets | 0.3699% | 5,380 |
| Return on Equity (ROE) | 1.2436% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.2436% | 5,270 |
| Net charge-offs to loans | 0.9974% | 1,742 |
| Credit loss provision to net charge-offs | 81.5258% | 4,385 |
| Earnings coverage of net charge-offs (x) | 0.9132% | 5,119 |
| Efficiency ratio | 84.1097% | 1,754 |
| Assets per employee ($millions) | 5.1829% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9495% | 6,401 |
| Loan loss allowance to noncurrent loans | 29.1245% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 2.2577% | 2,664 |
| Noncurrent loans to loans | 3.2603% | 1,987 |
| Net loans and leases to total assets | 62.4232% | 3,515 |
| Net loans and leases to deposits | 74.2839% | 3,450 |
| Net loans and leases to core deposits | 84.4237% | 2,831 |
| Total domestic deposits to total assets | 84.0333% | 4,302 |
| Equity capital to assets | 12.1479% | 2,013 |
| Core capital (leverage) ratio | 16.1052% | 450 |
| Tier 1 risk-based capital ratio | 17.2984% | 2,466 |
| Total risk-based capital ratio | 18.2317% | 2,573 |
| Memoranda: | ||
| Average total assets | $234,921,600 | 2,680 |
| Average earning assets | $221,499,200 | 2,592 |
| Average equity | $40,447,600 | 1,666 |
| Average total loans | $134,044,200 | 2,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 5,798 |
| Cost of funding earning assets | 1.3345% | 1,531 |
| Net interest margin | 3.0091% | 6,568 |
| Noninterest income to average assets | 0.3209% | 5,303 |
| Noninterest expense to average assets | 2.9852% | 3,604 |
| Loan and lease loss provision to assets | 0.2559% | 3,459 |
| Net operating income to assets | -0.0550% | 6,226 |
| Return on assets (ROA) | 0.2457% | 5,725 |
| Pretax return on assets | 0.3934% | 5,490 |
| Return on Equity (ROE) | 1.2762% | 6,003 |
| Retained earnings to average equity (ytd only) | 1.2762% | 5,496 |
| Net charge-offs to loans | 0.1456% | 4,608 |
| Credit loss provision to net charge-offs | 321.6000% | 870 |
| Earnings coverage of net charge-offs (x) | 2.2560% | 3,999 |
| Efficiency ratio | 93.7236% | 930 |
| Assets per employee ($millions) | 5.0470% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 5,192 |
| Loan loss allowance to noncurrent loans | 28.4829% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 2.3602% | 2,719 |
| Noncurrent loans to loans | 4.4226% | 1,465 |
| Net loans and leases to total assets | 52.6942% | 5,358 |
| Net loans and leases to deposits | 70.3556% | 4,244 |
| Net loans and leases to core deposits | 85.0048% | 2,911 |
| Total domestic deposits to total assets | 74.8969% | 6,652 |
| Equity capital to assets | 19.3052% | 296 |
| Core capital (leverage) ratio | 18.3320% | 299 |
| Tier 1 risk-based capital ratio | 34.1893% | 380 |
| Total risk-based capital ratio | 35.3816% | 371 |
| Memoranda: | ||
| Average total assets | $209,429,750 | 2,965 |
| Average earning assets | $197,927,000 | 2,890 |
| Average equity | $40,328,250 | 1,670 |
| Average total loans | $114,477,000 | 3,308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4438% | 5,542 |
| Cost of funding earning assets | 1.3684% | 1,556 |
| Net interest margin | 3.0754% | 6,458 |
| Noninterest income to average assets | 0.2877% | 5,580 |
| Noninterest expense to average assets | 2.9312% | 3,897 |
| Loan and lease loss provision to assets | 0.3375% | 2,765 |
| Net operating income to assets | -0.0477% | 6,294 |
| Return on assets (ROA) | 0.2733% | 5,596 |
| Pretax return on assets | 0.4296% | 5,296 |
| Return on Equity (ROE) | 1.4204% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4204% | 5,275 |
| Net charge-offs to loans | 0.4542% | 2,763 |
| Credit loss provision to net charge-offs | 134.8659% | 2,264 |
| Earnings coverage of net charge-offs (x) | 1.0613% | 4,495 |
| Efficiency ratio | 91.0918% | 1,158 |
| Assets per employee ($millions) | 5.4615% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 5,965 |
| Loan loss allowance to noncurrent loans | 25.2702% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 2.3625% | 2,789 |
| Noncurrent loans to loans | 4.3454% | 1,551 |
| Net loans and leases to total assets | 53.7704% | 5,326 |
| Net loans and leases to deposits | 73.0432% | 3,950 |
| Net loans and leases to core deposits | 89.8560% | 2,388 |
| Total domestic deposits to total assets | 73.6145% | 6,877 |
| Equity capital to assets | 19.5314% | 289 |
| Core capital (leverage) ratio | 18.6708% | 290 |
| Tier 1 risk-based capital ratio | 34.3638% | 368 |
| Total risk-based capital ratio | 35.4743% | 367 |
| Memoranda: | ||
| Average total assets | $208,581,670 | 2,993 |
| Average earning assets | $197,309,000 | 2,911 |
| Average equity | $40,130,330 | 1,670 |
| Average total loans | $114,928,330 | 3,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5516% | 5,162 |
| Cost of funding earning assets | 1.4052% | 1,583 |
| Net interest margin | 3.1465% | 6,226 |
| Noninterest income to average assets | 0.2028% | 6,273 |
| Noninterest expense to average assets | 2.8866% | 4,122 |
| Loan and lease loss provision to assets | 0.4821% | 1,829 |
| Net operating income to assets | -0.1263% | 6,485 |
| Return on assets (ROA) | 0.1186% | 6,099 |
| Pretax return on assets | 0.1894% | 5,963 |
| Return on Equity (ROE) | 0.6211% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.6211% | 5,583 |
| Net charge-offs to loans | 0.5484% | 2,122 |
| Credit loss provision to net charge-offs | 158.4906% | 1,814 |
| Earnings coverage of net charge-offs (x) | 0.9497% | 3,941 |
| Efficiency ratio | 90.2410% | 1,312 |
| Assets per employee ($millions) | 5.3432% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0767% | 6,130 |
| Loan loss allowance to noncurrent loans | 22.5513% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 2.6408% | 2,607 |
| Noncurrent loans to loans | 4.7746% | 1,436 |
| Net loans and leases to total assets | 54.7129% | 5,208 |
| Net loans and leases to deposits | 74.9294% | 3,604 |
| Net loans and leases to core deposits | 91.2163% | 2,210 |
| Total domestic deposits to total assets | 73.0193% | 7,000 |
| Equity capital to assets | 19.1308% | 298 |
| Core capital (leverage) ratio | 18.4286% | 306 |
| Tier 1 risk-based capital ratio | 33.6691% | 386 |
| Total risk-based capital ratio | 34.7666% | 382 |
| Memoranda: | ||
| Average total assets | $209,103,500 | 2,996 |
| Average earning assets | $197,555,000 | 2,917 |
| Average equity | $39,928,000 | 1,671 |
| Average total loans | $115,976,000 | 3,339 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8708% | 5,152 |
| Cost of funding earning assets | 1.7384% | 1,430 |
| Net interest margin | 3.1324% | 6,433 |
| Noninterest income to average assets | 0.4822% | 4,306 |
| Noninterest expense to average assets | 3.0016% | 3,848 |
| Loan and lease loss provision to assets | 0.3310% | 4,171 |
| Net operating income to assets | 0.0800% | 5,638 |
| Return on assets (ROA) | 0.2308% | 5,330 |
| Pretax return on assets | 0.2779% | 5,293 |
| Return on Equity (ROE) | 1.4647% | 5,572 |
| Retained earnings to average equity (ytd only) | 1.4647% | 4,801 |
| Net charge-offs to loans | 0.9363% | 2,312 |
| Credit loss provision to net charge-offs | 59.1764% | 6,094 |
| Earnings coverage of net charge-offs (x) | 0.7637% | 5,358 |
| Efficiency ratio | 86.2442% | 1,667 |
| Assets per employee ($millions) | 5.5216% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 6,446 |
| Loan loss allowance to noncurrent loans | 54.0490% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 1.0123% | 4,976 |
| Noncurrent loans to loans | 1.8201% | 3,791 |
| Net loans and leases to total assets | 55.0703% | 5,477 |
| Net loans and leases to deposits | 75.1636% | 3,989 |
| Net loans and leases to core deposits | 89.8599% | 2,791 |
| Total domestic deposits to total assets | 73.2672% | 6,973 |
| Equity capital to assets | 19.0591% | 317 |
| Core capital (leverage) ratio | 18.2660% | 318 |
| Tier 1 risk-based capital ratio | 34.1857% | 366 |
| Total risk-based capital ratio | 35.2197% | 366 |
| Memoranda: | ||
| Average total assets | $199,725,600 | 3,106 |
| Average earning assets | $187,874,000 | 3,035 |
| Average equity | $31,474,600 | 2,084 |
| Average total loans | $119,294,000 | 3,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 4,797 |
| Cost of funding earning assets | 1.8095% | 1,384 |
| Net interest margin | 3.1945% | 6,361 |
| Noninterest income to average assets | 0.5145% | 4,068 |
| Noninterest expense to average assets | 3.1669% | 3,045 |
| Loan and lease loss provision to assets | 0.1014% | 6,006 |
| Net operating income to assets | 0.1526% | 5,633 |
| Return on assets (ROA) | 0.2278% | 5,583 |
| Pretax return on assets | 0.3658% | 5,326 |
| Return on Equity (ROE) | 1.5311% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.5311% | 5,190 |
| Net charge-offs to loans | 0.5358% | 3,159 |
| Credit loss provision to net charge-offs | 31.1203% | 6,139 |
| Earnings coverage of net charge-offs (x) | 1.0726% | 4,982 |
| Efficiency ratio | 88.6176% | 1,398 |
| Assets per employee ($millions) | 5.1409% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 5,967 |
| Loan loss allowance to noncurrent loans | 86.8259% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9020% | 5,299 |
| Noncurrent loans to loans | 1.2597% | 4,748 |
| Net loans and leases to total assets | 58.8813% | 5,122 |
| Net loans and leases to deposits | 77.3161% | 3,953 |
| Net loans and leases to core deposits | 94.2265% | 2,493 |
| Total domestic deposits to total assets | 76.1566% | 6,630 |
| Equity capital to assets | 15.5436% | 763 |
| Core capital (leverage) ratio | 13.8749% | 945 |
| Tier 1 risk-based capital ratio | 24.6020% | 888 |
| Total risk-based capital ratio | 26.3523% | 839 |
| Memoranda: | ||
| Average total assets | $197,201,750 | 3,179 |
| Average earning assets | $185,314,750 | 3,105 |
| Average equity | $29,345,750 | 2,250 |
| Average total loans | $119,943,250 | 3,368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 4,791 |
| Cost of funding earning assets | 1.8378% | 1,497 |
| Net interest margin | 3.1944% | 6,335 |
| Noninterest income to average assets | 0.5085% | 4,042 |
| Noninterest expense to average assets | 3.2272% | 2,807 |
| Loan and lease loss provision to assets | 0.1517% | 5,384 |
| Net operating income to assets | 0.0775% | 5,927 |
| Return on assets (ROA) | 0.1901% | 5,717 |
| Pretax return on assets | 0.3053% | 5,477 |
| Return on Equity (ROE) | 1.2963% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.2963% | 5,231 |
| Net charge-offs to loans | 0.7957% | 2,257 |
| Credit loss provision to net charge-offs | 31.1203% | 5,717 |
| Earnings coverage of net charge-offs (x) | 0.5768% | 5,163 |
| Efficiency ratio | 90.4035% | 1,305 |
| Assets per employee ($millions) | 5.4079% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 5,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 7,032 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 55.4508% | 5,791 |
| Net loans and leases to deposits | 72.0695% | 4,978 |
| Net loans and leases to core deposits | 87.4845% | 3,624 |
| Total domestic deposits to total assets | 76.9407% | 6,518 |
| Equity capital to assets | 14.5965% | 985 |
| Core capital (leverage) ratio | 13.0681% | 1,182 |
| Tier 1 risk-based capital ratio | 23.8788% | 952 |
| Total risk-based capital ratio | 25.4663% | 899 |
| Memoranda: | ||
| Average total assets | $197,817,670 | 3,192 |
| Average earning assets | $185,761,330 | 3,121 |
| Average equity | $29,006,000 | 2,263 |
| Average total loans | $121,158,000 | 3,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2333% | 3,862 |
| Cost of funding earning assets | 1.8970% | 1,460 |
| Net interest margin | 3.3363% | 5,839 |
| Noninterest income to average assets | 0.2021% | 6,518 |
| Noninterest expense to average assets | 3.2705% | 2,632 |
| Loan and lease loss provision to assets | 0.3093% | 3,565 |
| Net operating income to assets | -0.1636% | 6,499 |
| Return on assets (ROA) | 0.0660% | 6,224 |
| Pretax return on assets | 0.1072% | 6,113 |
| Return on Equity (ROE) | 0.4489% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.4489% | 5,654 |
| Net charge-offs to loans | 1.5533% | 1,120 |
| Credit loss provision to net charge-offs | 31.1203% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.0581% | 4,988 |
| Efficiency ratio | 96.5923% | 991 |
| Assets per employee ($millions) | 5.4275% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 6,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1919% | 6,988 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.1519% | 4,728 |
| Net loans and leases to deposits | 81.6571% | 3,342 |
| Net loans and leases to core deposits | 102.0891% | 1,892 |
| Total domestic deposits to total assets | 76.1133% | 6,739 |
| Equity capital to assets | 15.1022% | 856 |
| Core capital (leverage) ratio | 13.6306% | 1,046 |
| Tier 1 risk-based capital ratio | 22.0471% | 1,196 |
| Total risk-based capital ratio | 23.3727% | 1,169 |
| Memoranda: | ||
| Average total assets | $193,976,000 | 3,302 |
| Average earning assets | $181,760,000 | 3,233 |
| Average equity | $28,511,000 | 2,331 |
| Average total loans | $124,125,000 | 3,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6600% | 3,294 |
| Cost of funding earning assets | 2.3322% | 1,523 |
| Net interest margin | 3.3278% | 5,628 |
| Noninterest income to average assets | 0.2313% | 6,457 |
| Noninterest expense to average assets | 3.8284% | 1,640 |
| Loan and lease loss provision to assets | 0.5166% | 3,792 |
| Net operating income to assets | 0.6684% | 3,067 |
| Return on assets (ROA) | 0.9994% | 1,886 |
| Pretax return on assets | -0.4773% | 5,992 |
| Return on Equity (ROE) | 6.3618% | 3,050 |
| Retained earnings to average equity (ytd only) | 6.3618% | 1,203 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3238% | 762 |
| Assets per employee ($millions) | 5.0674% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 4,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 6,979 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 64.3613% | 4,522 |
| Net loans and leases to deposits | 83.8641% | 3,303 |
| Net loans and leases to core deposits | 106.4962% | 3,275 |
| Total domestic deposits to total assets | 76.7448% | 6,546 |
| Equity capital to assets | 14.2883% | 1,083 |
| Core capital (leverage) ratio | 12.6905% | 1,358 |
| Tier 1 risk-based capital ratio | 19.8846% | 1,480 |
| Total risk-based capital ratio | 21.4180% | 1,392 |
| Memoranda: | ||
| Average total assets | $162,994,400 | 3,713 |
| Average earning assets | $152,774,200 | 3,659 |
| Average equity | $25,605,800 | 2,556 |
| Average total loans | $104,437,600 | 3,824 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6370% | 3,659 |
| Cost of funding earning assets | 2.3945% | 1,656 |
| Net interest margin | 3.2426% | 5,870 |
| Noninterest income to average assets | 0.1919% | 6,846 |
| Noninterest expense to average assets | 4.0770% | 1,173 |
| Loan and lease loss provision to assets | 0.5929% | 3,016 |
| Net operating income to assets | -1.4387% | 7,080 |
| Return on assets (ROA) | -0.7960% | 6,690 |
| Pretax return on assets | -0.7952% | 6,539 |
| Return on Equity (ROE) | -4.9292% | 6,443 |
| Retained earnings to average equity (ytd only) | -4.9292% | 6,246 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0456% | 542 |
| Assets per employee ($millions) | 4.3941% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 5,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 7,017 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.2215% | 4,598 |
| Net loans and leases to deposits | 87.1536% | 3,120 |
| Net loans and leases to core deposits | 112.2963% | 2,991 |
| Total domestic deposits to total assets | 74.8351% | 6,803 |
| Equity capital to assets | 13.4960% | 1,500 |
| Core capital (leverage) ratio | 12.4216% | 1,610 |
| Tier 1 risk-based capital ratio | 19.7089% | 1,613 |
| Total risk-based capital ratio | 21.2567% | 1,507 |
| Memoranda: | ||
| Average total assets | $155,602,250 | 3,882 |
| Average earning assets | $145,889,000 | 3,798 |
| Average equity | $25,128,750 | 2,624 |
| Average total loans | $99,162,000 | 4,013 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6130% | 4,006 |
| Cost of funding earning assets | 2.5187% | 1,548 |
| Net interest margin | 3.0944% | 6,264 |
| Noninterest income to average assets | 0.2001% | 6,858 |
| Noninterest expense to average assets | 4.3466% | 901 |
| Loan and lease loss provision to assets | 0.6989% | 2,333 |
| Net operating income to assets | -1.9595% | 7,420 |
| Return on assets (ROA) | -1.2141% | 7,126 |
| Pretax return on assets | -1.2127% | 6,949 |
| Return on Equity (ROE) | -7.0310% | 6,805 |
| Retained earnings to average equity (ytd only) | -7.0310% | 6,564 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.4820% | 447 |
| Assets per employee ($millions) | 3.8939% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 5,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 6,927 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 67.2402% | 4,305 |
| Net loans and leases to deposits | 90.6310% | 2,728 |
| Net loans and leases to core deposits | 116.2379% | 2,690 |
| Total domestic deposits to total assets | 74.1912% | 6,925 |
| Equity capital to assets | 15.1463% | 998 |
| Core capital (leverage) ratio | 14.0104% | 1,136 |
| Tier 1 risk-based capital ratio | 21.0966% | 1,375 |
| Total risk-based capital ratio | 22.5114% | 1,322 |
| Memoranda: | ||
| Average total assets | $145,952,670 | 4,071 |
| Average earning assets | $136,183,000 | 4,024 |
| Average equity | $25,202,670 | 2,620 |
| Average total loans | $91,609,000 | 4,242 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5726% | 4,512 |
| Cost of funding earning assets | 2.6998% | 1,273 |
| Net interest margin | 2.8728% | 6,827 |
| Noninterest income to average assets | 0.2071% | 6,812 |
| Noninterest expense to average assets | 4.4708% | 731 |
| Loan and lease loss provision to assets | 0.5104% | 2,433 |
| Net operating income to assets | -2.1144% | 7,690 |
| Return on assets (ROA) | -1.1082% | 7,324 |
| Pretax return on assets | -1.1053% | 7,202 |
| Return on Equity (ROE) | -5.9799% | 7,064 |
| Retained earnings to average equity (ytd only) | -5.9799% | 6,682 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.2520% | 336 |
| Assets per employee ($millions) | 3.1911% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,074 |
| Loan loss allowance to noncurrent loans | 186.6788% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 6,412 |
| Noncurrent loans to loans | 0.6196% | 5,851 |
| Net loans and leases to total assets | 58.2914% | 5,898 |
| Net loans and leases to deposits | 81.4811% | 4,374 |
| Net loans and leases to core deposits | 103.4835% | 4,193 |
| Total domestic deposits to total assets | 71.5397% | 7,274 |
| Equity capital to assets | 16.8328% | 743 |
| Core capital (leverage) ratio | 15.6046% | 844 |
| Tier 1 risk-based capital ratio | 25.2371% | 962 |
| Total risk-based capital ratio | 26.9855% | 892 |
| Memoranda: | ||
| Average total assets | $137,156,500 | 4,246 |
| Average earning assets | $127,122,000 | 4,218 |
| Average equity | $25,418,500 | 2,614 |
| Average total loans | $81,794,000 | 4,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 7,103 |
| Cost of funding earning assets | 2.1919% | 5,635 |
| Net interest margin | 3.3968% | 5,675 |
| Noninterest income to average assets | 0.2226% | 6,853 |
| Noninterest expense to average assets | 9.1931% | 164 |
| Loan and lease loss provision to assets | 1.1573% | 1,256 |
| Net operating income to assets | -7.0312% | 8,196 |
| Return on assets (ROA) | -6.7644% | 8,180 |
| Pretax return on assets | -6.7644% | 8,149 |
| Return on Equity (ROE) | -18.0834% | 7,716 |
| Retained earnings to average equity (ytd only) | -18.0834% | 7,625 |
| Net charge-offs to loans | 0.2625% | 3,659 |
| Credit loss provision to net charge-offs | 991.9540% | 453 |
| Earnings coverage of net charge-offs (x) | -50.3448% | 6,984 |
| Efficiency ratio | 276.9697% | 121 |
| Assets per employee ($millions) | 2.7029% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 5,073 |
| Loan loss allowance to noncurrent loans | 154.7445% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,892 |
| Noncurrent loans to loans | 0.7293% | 5,204 |
| Net loans and leases to total assets | 59.7521% | 5,946 |
| Net loans and leases to deposits | 91.3867% | 3,234 |
| Net loans and leases to core deposits | 117.1505% | 2,987 |
| Total domestic deposits to total assets | 65.3838% | 7,694 |
| Equity capital to assets | 20.5828% | 435 |
| Core capital (leverage) ratio | 19.1561% | 499 |
| Tier 1 risk-based capital ratio | 27.4124% | 802 |
| Total risk-based capital ratio | 28.7241% | 772 |
| Memoranda: | ||
| Average total assets | $74,567,200 | 5,893 |
| Average earning assets | $67,976,400 | 5,898 |
| Average equity | $27,893,000 | 2,418 |
| Average total loans | $33,136,600 | 6,536 |