Home > Floridian Community Bank, Inc. > Performance and Condition Ratios
Floridian Community Bank, Inc., 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 | 4.7416% | 1,092 |
| Cost of funding earning assets | 0.8810% | 418 |
| Net interest margin | 3.8606% | 2,225 |
| Noninterest income to average assets | 0.1932% | 4,986 |
| Noninterest expense to average assets | 2.5183% | 3,717 |
| Loan and lease loss provision to assets | 0.1752% | 1,245 |
| Net operating income to assets | 0.6913% | 3,633 |
| Return on assets (ROA) | 0.7121% | 3,600 |
| Pretax return on assets | 1.2180% | 2,699 |
| Return on Equity (ROE) | 8.0300% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.0300% | 755 |
| Net charge-offs to loans | -0.1622% | 5,479 |
| Credit loss provision to net charge-offs | -134.9925% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9208% | 3,460 |
| Assets per employee ($millions) | 8.9513% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,477 |
| Loan loss allowance to noncurrent loans | 373.1474% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 3,755 |
| Noncurrent loans to loans | 0.2881% | 3,748 |
| Net loans and leases to total assets | 81.5987% | 742 |
| Net loans and leases to deposits | 107.0397% | 353 |
| Net loans and leases to core deposits | 121.2096% | 551 |
| Total domestic deposits to total assets | 76.2322% | 4,949 |
| Equity capital to assets | 8.9537% | 4,772 |
| Core capital (leverage) ratio | 8.7545% | 4,898 |
| Tier 1 risk-based capital ratio | 11.0526% | 5,111 |
| Total risk-based capital ratio | 12.1408% | 5,098 |
| Memoranda: | ||
| Average total assets | $510,904,600 | 1,370 |
| Average earning assets | $487,768,800 | 1,337 |
| Average equity | $45,305,200 | 1,653 |
| Average total loans | $408,725,200 | 1,213 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 1,383 |
| Cost of funding earning assets | 0.8522% | 449 |
| Net interest margin | 3.7428% | 2,601 |
| Noninterest income to average assets | 0.2227% | 4,885 |
| Noninterest expense to average assets | 2.5563% | 3,548 |
| Loan and lease loss provision to assets | 0.2356% | 761 |
| Net operating income to assets | 0.6169% | 4,323 |
| Return on assets (ROA) | 0.6301% | 4,325 |
| Pretax return on assets | 1.0206% | 3,603 |
| Return on Equity (ROE) | 7.1233% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.1233% | 1,631 |
| Net charge-offs to loans | -0.1944% | 5,534 |
| Credit loss provision to net charge-offs | -152.7304% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4139% | 2,979 |
| Assets per employee ($millions) | 8.6526% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 3,749 |
| Loan loss allowance to noncurrent loans | 364.1107% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 3,968 |
| Noncurrent loans to loans | 0.2903% | 3,899 |
| Net loans and leases to total assets | 79.1037% | 1,109 |
| Net loans and leases to deposits | 106.5369% | 389 |
| Net loans and leases to core deposits | 119.9967% | 589 |
| Total domestic deposits to total assets | 74.2501% | 5,215 |
| Equity capital to assets | 8.4672% | 5,306 |
| Core capital (leverage) ratio | 8.4361% | 5,287 |
| Tier 1 risk-based capital ratio | 10.5479% | 5,432 |
| Total risk-based capital ratio | 11.5968% | 5,437 |
| Memoranda: | ||
| Average total assets | $506,599,000 | 1,396 |
| Average earning assets | $483,116,500 | 1,357 |
| Average equity | $44,809,750 | 1,680 |
| Average total loans | $401,999,500 | 1,235 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,601 |
| Cost of funding earning assets | 0.7709% | 613 |
| Net interest margin | 3.6990% | 2,666 |
| Noninterest income to average assets | 0.2499% | 4,743 |
| Noninterest expense to average assets | 2.5721% | 3,521 |
| Loan and lease loss provision to assets | 0.2977% | 521 |
| Net operating income to assets | 0.5656% | 4,447 |
| Return on assets (ROA) | 0.5732% | 4,473 |
| Pretax return on assets | 0.9174% | 3,872 |
| Return on Equity (ROE) | 6.3795% | 3,880 |
| Retained earnings to average equity (ytd only) | 6.3795% | 1,913 |
| Net charge-offs to loans | -0.0343% | 5,022 |
| Credit loss provision to net charge-offs | -1,097.0149% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1257% | 2,988 |
| Assets per employee ($millions) | 9.1723% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,593 |
| Loan loss allowance to noncurrent loans | 178.9066% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 3,103 |
| Noncurrent loans to loans | 0.5089% | 3,235 |
| Net loans and leases to total assets | 73.9665% | 1,873 |
| Net loans and leases to deposits | 98.4401% | 854 |
| Net loans and leases to core deposits | 104.9031% | 1,300 |
| Total domestic deposits to total assets | 75.1386% | 5,183 |
| Equity capital to assets | 7.8299% | 5,594 |
| Core capital (leverage) ratio | 8.8255% | 4,922 |
| Tier 1 risk-based capital ratio | 10.2273% | 5,568 |
| Total risk-based capital ratio | 11.1135% | 5,626 |
| Memoranda: | ||
| Average total assets | $493,760,000 | 1,434 |
| Average earning assets | $470,610,000 | 1,402 |
| Average equity | $44,361,000 | 1,692 |
| Average total loans | $390,728,330 | 1,268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 1,125 |
| Cost of funding earning assets | 0.7151% | 777 |
| Net interest margin | 3.8912% | 1,815 |
| Noninterest income to average assets | 0.3684% | 3,900 |
| Noninterest expense to average assets | 2.8531% | 2,608 |
| Loan and lease loss provision to assets | 0.1771% | 989 |
| Net operating income to assets | 0.6464% | 3,944 |
| Return on assets (ROA) | 0.6464% | 3,981 |
| Pretax return on assets | 1.0290% | 3,240 |
| Return on Equity (ROE) | 6.6486% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.6486% | 2,005 |
| Net charge-offs to loans | -0.0335% | 4,987 |
| Credit loss provision to net charge-offs | -645.1613% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2880% | 2,842 |
| Assets per employee ($millions) | 7.5048% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,857 |
| Loan loss allowance to noncurrent loans | 117.4248% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 2,602 |
| Noncurrent loans to loans | 0.7421% | 2,637 |
| Net loans and leases to total assets | 79.4874% | 903 |
| Net loans and leases to deposits | 108.0350% | 260 |
| Net loans and leases to core deposits | 112.0386% | 772 |
| Total domestic deposits to total assets | 73.5756% | 5,446 |
| Equity capital to assets | 9.2295% | 4,588 |
| Core capital (leverage) ratio | 10.1759% | 3,270 |
| Tier 1 risk-based capital ratio | 11.5259% | 5,011 |
| Total risk-based capital ratio | 12.3927% | 5,130 |
| Memoranda: | ||
| Average total assets | $451,714,000 | 1,564 |
| Average earning assets | $428,451,500 | 1,532 |
| Average equity | $43,919,000 | 1,713 |
| Average total loans | $370,420,500 | 1,331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 1,395 |
| Cost of funding earning assets | 0.6792% | 913 |
| Net interest margin | 3.8760% | 2,042 |
| Noninterest income to average assets | 0.3770% | 4,051 |
| Noninterest expense to average assets | 2.8472% | 2,854 |
| Loan and lease loss provision to assets | 0.6234% | 206 |
| Net operating income to assets | 0.3855% | 4,992 |
| Return on assets (ROA) | 0.3960% | 5,037 |
| Pretax return on assets | 0.6073% | 4,767 |
| Return on Equity (ROE) | 3.6817% | 4,939 |
| Retained earnings to average equity (ytd only) | 3.6817% | 3,290 |
| Net charge-offs to loans | 0.7403% | 286 |
| Credit loss provision to net charge-offs | 103.1356% | 2,510 |
| Earnings coverage of net charge-offs (x) | 2.0093% | 3,900 |
| Efficiency ratio | 70.0971% | 2,885 |
| Assets per employee ($millions) | 6.6112% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,863 |
| Loan loss allowance to noncurrent loans | 81.3167% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.0995% | 1,697 |
| Noncurrent loans to loans | 1.0804% | 1,925 |
| Net loans and leases to total assets | 83.3276% | 447 |
| Net loans and leases to deposits | 105.0325% | 386 |
| Net loans and leases to core deposits | 109.4050% | 937 |
| Total domestic deposits to total assets | 79.3351% | 4,708 |
| Equity capital to assets | 10.2827% | 3,409 |
| Core capital (leverage) ratio | 10.7834% | 2,550 |
| Tier 1 risk-based capital ratio | 12.4177% | 4,431 |
| Total risk-based capital ratio | 13.3019% | 4,577 |
| Memoranda: | ||
| Average total assets | $390,414,600 | 1,722 |
| Average earning assets | $371,155,400 | 1,677 |
| Average equity | $41,991,200 | 1,763 |
| Average total loans | $318,799,000 | 1,454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 1,506 |
| Cost of funding earning assets | 0.6644% | 980 |
| Net interest margin | 3.8454% | 2,176 |
| Noninterest income to average assets | 0.2435% | 5,017 |
| Noninterest expense to average assets | 2.7957% | 3,023 |
| Loan and lease loss provision to assets | 0.7967% | 137 |
| Net operating income to assets | 0.2120% | 5,444 |
| Return on assets (ROA) | 0.2267% | 5,490 |
| Pretax return on assets | 0.3373% | 5,399 |
| Return on Equity (ROE) | 2.0827% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.0827% | 4,650 |
| Net charge-offs to loans | 1.0393% | 160 |
| Credit loss provision to net charge-offs | 94.6540% | 2,465 |
| Earnings coverage of net charge-offs (x) | 1.3212% | 3,707 |
| Efficiency ratio | 71.5433% | 2,643 |
| Assets per employee ($millions) | 6.3109% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8935% | 4,894 |
| Loan loss allowance to noncurrent loans | 103.4336% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 2,458 |
| Noncurrent loans to loans | 0.8638% | 2,529 |
| Net loans and leases to total assets | 84.1925% | 396 |
| Net loans and leases to deposits | 112.9303% | 203 |
| Net loans and leases to core deposits | 116.7325% | 628 |
| Total domestic deposits to total assets | 74.5526% | 5,379 |
| Equity capital to assets | 11.1769% | 2,820 |
| Core capital (leverage) ratio | 11.5165% | 2,018 |
| Tier 1 risk-based capital ratio | 13.1752% | 4,048 |
| Total risk-based capital ratio | 14.0707% | 4,182 |
| Memoranda: | ||
| Average total assets | $382,238,750 | 1,755 |
| Average earning assets | $364,232,250 | 1,710 |
| Average equity | $41,612,000 | 1,792 |
| Average total loans | $309,574,000 | 1,486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 1,743 |
| Cost of funding earning assets | 0.6627% | 976 |
| Net interest margin | 3.7665% | 2,452 |
| Noninterest income to average assets | 0.2198% | 5,173 |
| Noninterest expense to average assets | 2.8007% | 3,027 |
| Loan and lease loss provision to assets | 1.0962% | 89 |
| Net operating income to assets | -0.0426% | 5,789 |
| Return on assets (ROA) | -0.0336% | 5,808 |
| Pretax return on assets | -0.0682% | 5,818 |
| Return on Equity (ROE) | -0.3111% | 5,810 |
| Retained earnings to average equity (ytd only) | -0.3111% | 5,342 |
| Net charge-offs to loans | 1.6072% | 88 |
| Credit loss provision to net charge-offs | 85.6206% | 2,309 |
| Earnings coverage of net charge-offs (x) | 0.7919% | 3,484 |
| Efficiency ratio | 73.4222% | 2,445 |
| Assets per employee ($millions) | 6.7083% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 5,062 |
| Loan loss allowance to noncurrent loans | 76.2066% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.0462% | 2,035 |
| Noncurrent loans to loans | 1.1404% | 2,019 |
| Net loans and leases to total assets | 81.9830% | 631 |
| Net loans and leases to deposits | 108.5817% | 290 |
| Net loans and leases to core deposits | 112.6807% | 782 |
| Total domestic deposits to total assets | 75.5035% | 5,354 |
| Equity capital to assets | 11.2585% | 2,793 |
| Core capital (leverage) ratio | 11.2182% | 2,215 |
| Tier 1 risk-based capital ratio | 13.6475% | 3,802 |
| Total risk-based capital ratio | 14.5193% | 3,948 |
| Memoranda: | ||
| Average total assets | $381,330,670 | 1,755 |
| Average earning assets | $363,943,330 | 1,712 |
| Average equity | $41,140,330 | 1,808 |
| Average total loans | $303,754,670 | 1,511 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,776 |
| Cost of funding earning assets | 0.6542% | 1,029 |
| Net interest margin | 3.7551% | 2,457 |
| Noninterest income to average assets | 0.1926% | 5,351 |
| Noninterest expense to average assets | 2.7176% | 3,356 |
| Loan and lease loss provision to assets | 2.0356% | 38 |
| Net operating income to assets | -0.6032% | 5,986 |
| Return on assets (ROA) | -0.5872% | 5,989 |
| Pretax return on assets | -0.9558% | 6,016 |
| Return on Equity (ROE) | -5.5617% | 5,978 |
| Retained earnings to average equity (ytd only) | -5.5617% | 5,630 |
| Net charge-offs to loans | 3.3674% | 32 |
| Credit loss provision to net charge-offs | 77.3339% | 1,854 |
| Earnings coverage of net charge-offs (x) | 0.4007% | 2,933 |
| Efficiency ratio | 72.0397% | 2,796 |
| Assets per employee ($millions) | 6.9705% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 5,253 |
| Loan loss allowance to noncurrent loans | 66.0976% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 2,087 |
| Noncurrent loans to loans | 1.2728% | 1,897 |
| Net loans and leases to total assets | 74.8256% | 1,591 |
| Net loans and leases to deposits | 98.8199% | 701 |
| Net loans and leases to core deposits | 102.4540% | 1,300 |
| Total domestic deposits to total assets | 75.7192% | 5,443 |
| Equity capital to assets | 10.7081% | 3,248 |
| Core capital (leverage) ratio | 11.0570% | 2,351 |
| Tier 1 risk-based capital ratio | 14.4008% | 3,444 |
| Total risk-based capital ratio | 15.2555% | 3,620 |
| Memoranda: | ||
| Average total assets | $384,165,000 | 1,745 |
| Average earning assets | $366,222,000 | 1,698 |
| Average equity | $40,563,500 | 1,823 |
| Average total loans | $300,292,500 | 1,519 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 2,711 |
| Cost of funding earning assets | 0.6735% | 944 |
| Net interest margin | 3.4839% | 3,581 |
| Noninterest income to average assets | 0.5717% | 2,890 |
| Noninterest expense to average assets | 2.7104% | 3,544 |
| Loan and lease loss provision to assets | 0.8467% | 109 |
| Net operating income to assets | 0.2042% | 5,561 |
| Return on assets (ROA) | 0.2047% | 5,625 |
| Pretax return on assets | 0.3484% | 5,425 |
| Return on Equity (ROE) | 2.1686% | 5,531 |
| Retained earnings to average equity (ytd only) | 2.1686% | 4,487 |
| Net charge-offs to loans | 1.4203% | 117 |
| Credit loss provision to net charge-offs | 77.6069% | 2,991 |
| Earnings coverage of net charge-offs (x) | 1.0947% | 4,142 |
| Efficiency ratio | 69.4146% | 3,320 |
| Assets per employee ($millions) | 6.7594% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 5,261 |
| Loan loss allowance to noncurrent loans | 40.2557% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 1.8017% | 1,056 |
| Noncurrent loans to loans | 2.1179% | 964 |
| Net loans and leases to total assets | 80.2766% | 807 |
| Net loans and leases to deposits | 109.8397% | 243 |
| Net loans and leases to core deposits | 113.5527% | 704 |
| Total domestic deposits to total assets | 73.0853% | 5,717 |
| Equity capital to assets | 10.4514% | 3,419 |
| Core capital (leverage) ratio | 10.3638% | 3,091 |
| Tier 1 risk-based capital ratio | 13.2226% | 4,153 |
| Total risk-based capital ratio | 14.0955% | 4,319 |
| Memoranda: | ||
| Average total assets | $381,488,000 | 1,722 |
| Average earning assets | $364,965,400 | 1,661 |
| Average equity | $36,013,600 | 1,981 |
| Average total loans | $293,035,800 | 1,490 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 3,133 |
| Cost of funding earning assets | 0.6832% | 918 |
| Net interest margin | 3.3657% | 4,089 |
| Noninterest income to average assets | 0.5633% | 2,965 |
| Noninterest expense to average assets | 2.7672% | 3,315 |
| Loan and lease loss provision to assets | 0.3331% | 412 |
| Net operating income to assets | 0.4144% | 5,109 |
| Return on assets (ROA) | 0.4151% | 5,194 |
| Pretax return on assets | 0.6861% | 4,727 |
| Return on Equity (ROE) | 4.5169% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.5169% | 3,259 |
| Net charge-offs to loans | 0.0244% | 3,448 |
| Credit loss provision to net charge-offs | 1,801.8868% | 205 |
| Earnings coverage of net charge-offs (x) | 55.0793% | 978 |
| Efficiency ratio | 73.1017% | 2,698 |
| Assets per employee ($millions) | 6.8021% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 2,300 |
| Loan loss allowance to noncurrent loans | 41.7167% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.8912% | 544 |
| Noncurrent loans to loans | 3.5143% | 443 |
| Net loans and leases to total assets | 78.4629% | 1,030 |
| Net loans and leases to deposits | 108.1124% | 300 |
| Net loans and leases to core deposits | 111.6327% | 783 |
| Total domestic deposits to total assets | 72.5753% | 5,822 |
| Equity capital to assets | 10.5048% | 3,599 |
| Core capital (leverage) ratio | 10.3482% | 3,199 |
| Tier 1 risk-based capital ratio | 13.6115% | 4,075 |
| Total risk-based capital ratio | 14.8646% | 4,003 |
| Memoranda: | ||
| Average total assets | $382,228,750 | 1,733 |
| Average earning assets | $365,920,250 | 1,668 |
| Average equity | $35,126,750 | 2,043 |
| Average total loans | $289,674,750 | 1,510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,545 |
| Cost of funding earning assets | 0.7126% | 792 |
| Net interest margin | 3.2241% | 4,589 |
| Noninterest income to average assets | 0.5211% | 3,219 |
| Noninterest expense to average assets | 2.6990% | 3,597 |
| Loan and lease loss provision to assets | 0.4991% | 196 |
| Net operating income to assets | 0.2478% | 5,585 |
| Return on assets (ROA) | 0.2488% | 5,659 |
| Pretax return on assets | 0.4103% | 5,445 |
| Return on Equity (ROE) | 2.8420% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.8420% | 4,234 |
| Net charge-offs to loans | -0.0337% | 5,372 |
| Credit loss provision to net charge-offs | -1,989.5833% | 5,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8297% | 2,560 |
| Assets per employee ($millions) | 7.0856% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,038 |
| Loan loss allowance to noncurrent loans | 38.8519% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 3.0331% | 551 |
| Noncurrent loans to loans | 4.0266% | 378 |
| Net loans and leases to total assets | 72.1200% | 1,956 |
| Net loans and leases to deposits | 97.3808% | 847 |
| Net loans and leases to core deposits | 100.1726% | 1,477 |
| Total domestic deposits to total assets | 74.0598% | 5,787 |
| Equity capital to assets | 9.8847% | 4,174 |
| Core capital (leverage) ratio | 10.0924% | 3,474 |
| Tier 1 risk-based capital ratio | 13.6160% | 4,152 |
| Total risk-based capital ratio | 14.8701% | 4,077 |
| Memoranda: | ||
| Average total assets | $382,665,000 | 1,739 |
| Average earning assets | $366,243,330 | 1,678 |
| Average equity | $33,497,330 | 2,134 |
| Average total loans | $285,123,670 | 1,535 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 4,092 |
| Cost of funding earning assets | 0.7485% | 662 |
| Net interest margin | 3.0309% | 5,122 |
| Noninterest income to average assets | 0.4867% | 3,380 |
| Noninterest expense to average assets | 2.6603% | 3,721 |
| Loan and lease loss provision to assets | 0.9318% | 94 |
| Net operating income to assets | -0.1277% | 6,116 |
| Return on assets (ROA) | -0.1257% | 6,138 |
| Pretax return on assets | -0.2045% | 6,156 |
| Return on Equity (ROE) | -1.5407% | 6,155 |
| Retained earnings to average equity (ytd only) | -1.5407% | 5,624 |
| Net charge-offs to loans | -0.0439% | 5,451 |
| Credit loss provision to net charge-offs | -2,822.5806% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6029% | 2,104 |
| Assets per employee ($millions) | 7.1554% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 2,272 |
| Loan loss allowance to noncurrent loans | 37.3124% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 3.0591% | 606 |
| Noncurrent loans to loans | 4.1311% | 405 |
| Net loans and leases to total assets | 70.9531% | 1,988 |
| Net loans and leases to deposits | 93.5652% | 1,031 |
| Net loans and leases to core deposits | 96.4011% | 1,589 |
| Total domestic deposits to total assets | 75.8328% | 5,752 |
| Equity capital to assets | 7.7975% | 6,100 |
| Core capital (leverage) ratio | 8.5331% | 5,492 |
| Tier 1 risk-based capital ratio | 10.7802% | 5,904 |
| Total risk-based capital ratio | 12.0337% | 5,831 |
| Memoranda: | ||
| Average total assets | $375,600,500 | 1,778 |
| Average earning assets | $359,101,500 | 1,708 |
| Average equity | $30,635,000 | 2,312 |
| Average total loans | $282,327,500 | 1,550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4129% | 2,181 |
| Cost of funding earning assets | 0.7702% | 762 |
| Net interest margin | 3.6427% | 3,246 |
| Noninterest income to average assets | 0.4786% | 3,657 |
| Noninterest expense to average assets | 2.8855% | 3,190 |
| Loan and lease loss provision to assets | 0.5852% | 243 |
| Net operating income to assets | 0.3268% | 5,451 |
| Return on assets (ROA) | 0.4434% | 5,136 |
| Pretax return on assets | 0.6700% | 4,725 |
| Return on Equity (ROE) | 5.1634% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.1634% | 2,489 |
| Net charge-offs to loans | 0.1335% | 2,681 |
| Credit loss provision to net charge-offs | 590.5660% | 451 |
| Earnings coverage of net charge-offs (x) | 10.8836% | 2,574 |
| Efficiency ratio | 72.7930% | 3,073 |
| Assets per employee ($millions) | 6.2589% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 3,512 |
| Loan loss allowance to noncurrent loans | 61.2686% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 1,521 |
| Noncurrent loans to loans | 2.0972% | 1,300 |
| Net loans and leases to total assets | 77.7031% | 1,038 |
| Net loans and leases to deposits | 105.8332% | 365 |
| Net loans and leases to core deposits | 109.7187% | 789 |
| Total domestic deposits to total assets | 73.4203% | 5,988 |
| Equity capital to assets | 8.5664% | 5,675 |
| Core capital (leverage) ratio | 8.8668% | 5,163 |
| Tier 1 risk-based capital ratio | 11.0379% | 5,890 |
| Total risk-based capital ratio | 12.2887% | 5,834 |
| Memoranda: | ||
| Average total assets | $320,917,400 | 2,023 |
| Average earning assets | $307,051,000 | 1,954 |
| Average equity | $27,559,400 | 2,442 |
| Average total loans | $238,155,000 | 1,774 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3769% | 2,312 |
| Cost of funding earning assets | 0.7620% | 838 |
| Net interest margin | 3.6149% | 3,369 |
| Noninterest income to average assets | 0.5065% | 3,500 |
| Noninterest expense to average assets | 2.8633% | 3,249 |
| Loan and lease loss provision to assets | 0.7812% | 160 |
| Net operating income to assets | 0.1900% | 5,869 |
| Return on assets (ROA) | 0.3419% | 5,528 |
| Pretax return on assets | 0.5571% | 5,160 |
| Return on Equity (ROE) | 3.9787% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.9787% | 3,818 |
| Net charge-offs to loans | 0.2996% | 1,322 |
| Credit loss provision to net charge-offs | 357.3930% | 789 |
| Earnings coverage of net charge-offs (x) | 5.0369% | 3,332 |
| Efficiency ratio | 72.2270% | 3,138 |
| Assets per employee ($millions) | 6.2349% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 4,068 |
| Loan loss allowance to noncurrent loans | 52.7180% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9979% | 1,439 |
| Noncurrent loans to loans | 2.3347% | 1,281 |
| Net loans and leases to total assets | 80.3086% | 685 |
| Net loans and leases to deposits | 111.9294% | 183 |
| Net loans and leases to core deposits | 115.8845% | 512 |
| Total domestic deposits to total assets | 71.7493% | 6,183 |
| Equity capital to assets | 8.8074% | 5,542 |
| Core capital (leverage) ratio | 9.0341% | 5,031 |
| Tier 1 risk-based capital ratio | 10.8531% | 6,065 |
| Total risk-based capital ratio | 12.0775% | 6,023 |
| Memoranda: | ||
| Average total assets | $313,522,500 | 2,086 |
| Average earning assets | $299,901,750 | 2,012 |
| Average equity | $26,943,000 | 2,494 |
| Average total loans | $228,720,750 | 1,842 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,564 |
| Cost of funding earning assets | 0.7570% | 894 |
| Net interest margin | 3.5488% | 3,576 |
| Noninterest income to average assets | 0.3462% | 4,662 |
| Noninterest expense to average assets | 2.8654% | 3,288 |
| Loan and lease loss provision to assets | 1.0355% | 98 |
| Net operating income to assets | -0.1110% | 6,264 |
| Return on assets (ROA) | 0.1189% | 6,053 |
| Pretax return on assets | 0.2001% | 5,947 |
| Return on Equity (ROE) | 1.3957% | 5,971 |
| Retained earnings to average equity (ytd only) | 1.3957% | 5,185 |
| Net charge-offs to loans | 0.5311% | 772 |
| Credit loss provision to net charge-offs | 278.6713% | 910 |
| Earnings coverage of net charge-offs (x) | 2.3584% | 3,568 |
| Efficiency ratio | 76.5799% | 2,527 |
| Assets per employee ($millions) | 5.8509% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 4,328 |
| Loan loss allowance to noncurrent loans | 46.5696% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 2.1883% | 1,394 |
| Noncurrent loans to loans | 2.6222% | 1,162 |
| Net loans and leases to total assets | 78.4395% | 852 |
| Net loans and leases to deposits | 101.5790% | 473 |
| Net loans and leases to core deposits | 105.0055% | 962 |
| Total domestic deposits to total assets | 77.2203% | 5,776 |
| Equity capital to assets | 8.7252% | 5,596 |
| Core capital (leverage) ratio | 8.9110% | 5,147 |
| Tier 1 risk-based capital ratio | 10.8243% | 6,120 |
| Total risk-based capital ratio | 12.0148% | 6,097 |
| Memoranda: | ||
| Average total assets | $307,880,330 | 2,119 |
| Average earning assets | $294,574,330 | 2,039 |
| Average equity | $26,222,670 | 2,547 |
| Average total loans | $215,399,000 | 1,937 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1140% | 3,228 |
| Cost of funding earning assets | 0.7663% | 899 |
| Net interest margin | 3.3477% | 4,339 |
| Noninterest income to average assets | 0.3468% | 4,598 |
| Noninterest expense to average assets | 2.7708% | 3,673 |
| Loan and lease loss provision to assets | 0.8697% | 133 |
| Net operating income to assets | -0.0639% | 6,259 |
| Return on assets (ROA) | -0.0522% | 6,256 |
| Pretax return on assets | -0.0756% | 6,270 |
| Return on Equity (ROE) | -0.6200% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.6200% | 5,669 |
| Net charge-offs to loans | -0.0620% | 5,910 |
| Credit loss provision to net charge-offs | -2,151.6129% | 5,485 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0963% | 2,462 |
| Assets per employee ($millions) | 5.8304% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 4,088 |
| Loan loss allowance to noncurrent loans | 24.5786% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 3.6390% | 703 |
| Noncurrent loans to loans | 5.3210% | 391 |
| Net loans and leases to total assets | 65.5202% | 2,632 |
| Net loans and leases to deposits | 81.0451% | 2,156 |
| Net loans and leases to core deposits | 83.7429% | 2,546 |
| Total domestic deposits to total assets | 80.8442% | 5,278 |
| Equity capital to assets | 8.5763% | 5,574 |
| Core capital (leverage) ratio | 8.8396% | 5,209 |
| Tier 1 risk-based capital ratio | 12.0627% | 5,603 |
| Total risk-based capital ratio | 13.2561% | 5,573 |
| Memoranda: | ||
| Average total assets | $306,770,500 | 2,134 |
| Average earning assets | $293,340,000 | 2,057 |
| Average equity | $25,805,500 | 2,574 |
| Average total loans | $199,974,500 | 2,052 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 4,043 |
| Cost of funding earning assets | 0.8371% | 1,011 |
| Net interest margin | 3.1759% | 5,077 |
| Noninterest income to average assets | 0.4152% | 4,339 |
| Noninterest expense to average assets | 2.9225% | 3,305 |
| Loan and lease loss provision to assets | 0.4312% | 681 |
| Net operating income to assets | 0.0744% | 6,093 |
| Return on assets (ROA) | 0.2246% | 5,819 |
| Pretax return on assets | 0.3088% | 5,710 |
| Return on Equity (ROE) | 2.5015% | 5,678 |
| Retained earnings to average equity (ytd only) | 2.5015% | 4,475 |
| Net charge-offs to loans | 0.8607% | 714 |
| Credit loss provision to net charge-offs | 80.2510% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.9941% | 4,747 |
| Efficiency ratio | 84.5483% | 1,568 |
| Assets per employee ($millions) | 5.9711% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 5,468 |
| Loan loss allowance to noncurrent loans | 77.0276% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 3,511 |
| Noncurrent loans to loans | 1.3229% | 2,925 |
| Net loans and leases to total assets | 63.3160% | 3,162 |
| Net loans and leases to deposits | 78.0359% | 2,718 |
| Net loans and leases to core deposits | 80.4190% | 3,079 |
| Total domestic deposits to total assets | 81.1370% | 5,126 |
| Equity capital to assets | 8.2452% | 5,826 |
| Core capital (leverage) ratio | 9.2976% | 4,554 |
| Tier 1 risk-based capital ratio | 11.3572% | 5,993 |
| Total risk-based capital ratio | 12.2265% | 6,132 |
| Memoranda: | ||
| Average total assets | $281,776,000 | 2,255 |
| Average earning assets | $269,845,000 | 2,179 |
| Average equity | $25,305,200 | 2,602 |
| Average total loans | $175,907,600 | 2,241 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0073% | 4,103 |
| Cost of funding earning assets | 0.8576% | 1,005 |
| Net interest margin | 3.1497% | 5,149 |
| Noninterest income to average assets | 0.4047% | 4,498 |
| Noninterest expense to average assets | 2.9903% | 3,028 |
| Loan and lease loss provision to assets | 0.3694% | 850 |
| Net operating income to assets | 0.0312% | 6,256 |
| Return on assets (ROA) | 0.1811% | 6,029 |
| Pretax return on assets | 0.2980% | 5,881 |
| Return on Equity (ROE) | 1.9720% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.9720% | 5,146 |
| Net charge-offs to loans | 0.6285% | 980 |
| Credit loss provision to net charge-offs | 94.7955% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.1115% | 4,473 |
| Efficiency ratio | 87.3466% | 1,227 |
| Assets per employee ($millions) | 5.5601% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,219 |
| Loan loss allowance to noncurrent loans | 70.2381% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.3230% | 2,998 |
| Noncurrent loans to loans | 1.8988% | 2,371 |
| Net loans and leases to total assets | 59.6613% | 3,746 |
| Net loans and leases to deposits | 69.4053% | 3,869 |
| Net loans and leases to core deposits | 71.9291% | 4,101 |
| Total domestic deposits to total assets | 85.9607% | 3,273 |
| Equity capital to assets | 8.9185% | 5,280 |
| Core capital (leverage) ratio | 9.3984% | 4,531 |
| Tier 1 risk-based capital ratio | 12.3407% | 5,549 |
| Total risk-based capital ratio | 13.4177% | 5,608 |
| Memoranda: | ||
| Average total assets | $276,088,000 | 2,308 |
| Average earning assets | $264,610,000 | 2,227 |
| Average equity | $25,354,250 | 2,628 |
| Average total loans | $171,184,500 | 2,298 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 4,064 |
| Cost of funding earning assets | 0.8637% | 1,070 |
| Net interest margin | 3.1462% | 5,133 |
| Noninterest income to average assets | 0.4211% | 4,371 |
| Noninterest expense to average assets | 3.0213% | 2,931 |
| Loan and lease loss provision to assets | 0.4357% | 672 |
| Net operating income to assets | -0.0213% | 6,325 |
| Return on assets (ROA) | 0.2040% | 6,009 |
| Pretax return on assets | 0.3369% | 5,784 |
| Return on Equity (ROE) | 2.2004% | 5,883 |
| Retained earnings to average equity (ytd only) | 2.2004% | 4,873 |
| Net charge-offs to loans | 0.9001% | 691 |
| Credit loss provision to net charge-offs | 77.4194% | 2,678 |
| Earnings coverage of net charge-offs (x) | 0.7471% | 4,276 |
| Efficiency ratio | 87.7848% | 1,241 |
| Assets per employee ($millions) | 5.5465% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,398 |
| Loan loss allowance to noncurrent loans | 76.5432% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 3,472 |
| Noncurrent loans to loans | 1.7251% | 2,728 |
| Net loans and leases to total assets | 56.8049% | 4,163 |
| Net loans and leases to deposits | 67.1625% | 4,123 |
| Net loans and leases to core deposits | 69.8786% | 4,292 |
| Total domestic deposits to total assets | 84.5783% | 4,097 |
| Equity capital to assets | 8.9935% | 5,227 |
| Core capital (leverage) ratio | 9.3895% | 4,403 |
| Tier 1 risk-based capital ratio | 13.1742% | 5,015 |
| Total risk-based capital ratio | 14.2595% | 5,078 |
| Memoranda: | ||
| Average total assets | $275,448,670 | 2,319 |
| Average earning assets | $264,442,670 | 2,229 |
| Average equity | $25,541,000 | 2,624 |
| Average total loans | $172,211,330 | 2,287 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 3,798 |
| Cost of funding earning assets | 0.8694% | 1,150 |
| Net interest margin | 3.2116% | 4,890 |
| Noninterest income to average assets | 0.4211% | 4,307 |
| Noninterest expense to average assets | 2.8618% | 3,499 |
| Loan and lease loss provision to assets | 0.2914% | 1,204 |
| Net operating income to assets | 0.2177% | 5,830 |
| Return on assets (ROA) | 0.3949% | 5,295 |
| Pretax return on assets | 0.6397% | 4,804 |
| Return on Equity (ROE) | 4.1949% | 4,998 |
| Retained earnings to average equity (ytd only) | 4.1949% | 3,702 |
| Net charge-offs to loans | 0.5154% | 1,168 |
| Credit loss provision to net charge-offs | 86.9565% | 2,069 |
| Earnings coverage of net charge-offs (x) | 1.9522% | 3,187 |
| Efficiency ratio | 81.3925% | 2,132 |
| Assets per employee ($millions) | 5.6521% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 4,929 |
| Loan loss allowance to noncurrent loans | 59.7878% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4472% | 3,086 |
| Noncurrent loans to loans | 2.0945% | 2,509 |
| Net loans and leases to total assets | 64.1772% | 2,673 |
| Net loans and leases to deposits | 76.6275% | 2,534 |
| Net loans and leases to core deposits | 79.7017% | 2,843 |
| Total domestic deposits to total assets | 83.7522% | 4,571 |
| Equity capital to assets | 9.3571% | 5,051 |
| Core capital (leverage) ratio | 9.2584% | 4,466 |
| Tier 1 risk-based capital ratio | 13.0181% | 5,201 |
| Total risk-based capital ratio | 14.1650% | 5,240 |
| Memoranda: | ||
| Average total assets | $274,511,500 | 2,349 |
| Average earning assets | $264,540,000 | 2,260 |
| Average equity | $25,841,000 | 2,627 |
| Average total loans | $178,496,500 | 2,228 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4839% | 3,467 |
| Cost of funding earning assets | 0.9757% | 1,493 |
| Net interest margin | 3.5082% | 4,469 |
| Noninterest income to average assets | 0.2734% | 5,506 |
| Noninterest expense to average assets | 2.8975% | 3,652 |
| Loan and lease loss provision to assets | -0.2029% | 6,982 |
| Net operating income to assets | 0.5984% | 4,244 |
| Return on assets (ROA) | 0.6598% | 4,204 |
| Pretax return on assets | 1.0648% | 3,289 |
| Return on Equity (ROE) | 7.2139% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.2139% | 1,466 |
| Net charge-offs to loans | 0.2706% | 3,314 |
| Credit loss provision to net charge-offs | -119.8238% | 6,348 |
| Earnings coverage of net charge-offs (x) | 4.5242% | 3,341 |
| Efficiency ratio | 79.0899% | 2,266 |
| Assets per employee ($millions) | 5.5524% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 4,685 |
| Loan loss allowance to noncurrent loans | 62.5240% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 1.4305% | 3,250 |
| Noncurrent loans to loans | 2.0639% | 2,620 |
| Net loans and leases to total assets | 64.2167% | 2,870 |
| Net loans and leases to deposits | 76.7389% | 2,686 |
| Net loans and leases to core deposits | 80.1660% | 2,984 |
| Total domestic deposits to total assets | 83.6820% | 4,456 |
| Equity capital to assets | 9.4708% | 4,912 |
| Core capital (leverage) ratio | 9.2603% | 4,488 |
| Tier 1 risk-based capital ratio | 12.8880% | 5,188 |
| Total risk-based capital ratio | 14.0507% | 5,190 |
| Memoranda: | ||
| Average total assets | $268,131,200 | 2,363 |
| Average earning assets | $259,106,000 | 2,250 |
| Average equity | $24,522,200 | 2,706 |
| Average total loans | $167,797,200 | 2,330 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 3,130 |
| Cost of funding earning assets | 0.9957% | 1,587 |
| Net interest margin | 3.6247% | 4,131 |
| Noninterest income to average assets | 0.2575% | 5,719 |
| Noninterest expense to average assets | 2.9341% | 3,464 |
| Loan and lease loss provision to assets | -0.2715% | 7,111 |
| Net operating income to assets | 0.6749% | 4,028 |
| Return on assets (ROA) | 0.7586% | 3,907 |
| Pretax return on assets | 1.2233% | 2,901 |
| Return on Equity (ROE) | 8.3707% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.3707% | 1,452 |
| Net charge-offs to loans | 0.3722% | 2,612 |
| Credit loss provision to net charge-offs | -117.7489% | 6,263 |
| Earnings coverage of net charge-offs (x) | 3.5606% | 3,593 |
| Efficiency ratio | 78.1366% | 2,383 |
| Assets per employee ($millions) | 5.5059% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,055 |
| Loan loss allowance to noncurrent loans | 60.3553% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 3,418 |
| Noncurrent loans to loans | 2.0677% | 2,776 |
| Net loans and leases to total assets | 65.4199% | 2,751 |
| Net loans and leases to deposits | 78.4127% | 2,607 |
| Net loans and leases to core deposits | 81.5020% | 3,021 |
| Total domestic deposits to total assets | 83.4303% | 4,468 |
| Equity capital to assets | 9.1962% | 5,598 |
| Core capital (leverage) ratio | 9.3439% | 4,513 |
| Tier 1 risk-based capital ratio | 13.0476% | 5,209 |
| Total risk-based capital ratio | 14.2322% | 5,232 |
| Memoranda: | ||
| Average total assets | $267,147,000 | 2,398 |
| Average earning assets | $257,781,250 | 2,276 |
| Average equity | $24,211,000 | 2,761 |
| Average total loans | $165,497,250 | 2,383 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5105% | 3,720 |
| Cost of funding earning assets | 1.0349% | 1,548 |
| Net interest margin | 3.4756% | 4,779 |
| Noninterest income to average assets | 0.3093% | 5,340 |
| Noninterest expense to average assets | 3.1154% | 2,876 |
| Loan and lease loss provision to assets | -0.4115% | 7,195 |
| Net operating income to assets | 0.5888% | 4,414 |
| Return on assets (ROA) | 0.5975% | 4,637 |
| Pretax return on assets | 0.9643% | 3,840 |
| Return on Equity (ROE) | 6.6269% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.6269% | 2,313 |
| Net charge-offs to loans | 0.4704% | 2,182 |
| Credit loss provision to net charge-offs | -144.6809% | 6,098 |
| Earnings coverage of net charge-offs (x) | 1.8963% | 4,027 |
| Efficiency ratio | 85.2442% | 1,505 |
| Assets per employee ($millions) | 5.1756% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 4,170 |
| Loan loss allowance to noncurrent loans | 44.9905% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 2.5601% | 2,182 |
| Noncurrent loans to loans | 3.2588% | 1,787 |
| Net loans and leases to total assets | 61.3421% | 3,567 |
| Net loans and leases to deposits | 73.9741% | 3,298 |
| Net loans and leases to core deposits | 76.7692% | 3,684 |
| Total domestic deposits to total assets | 82.9237% | 4,782 |
| Equity capital to assets | 9.4165% | 5,171 |
| Core capital (leverage) ratio | 9.0642% | 4,815 |
| Tier 1 risk-based capital ratio | 13.1907% | 5,045 |
| Total risk-based capital ratio | 14.4413% | 5,021 |
| Memoranda: | ||
| Average total assets | $264,430,330 | 2,419 |
| Average earning assets | $254,516,000 | 2,316 |
| Average equity | $23,842,330 | 2,786 |
| Average total loans | $159,871,330 | 2,464 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 3,396 |
| Cost of funding earning assets | 1.0884% | 1,464 |
| Net interest margin | 3.5342% | 4,552 |
| Noninterest income to average assets | 0.3158% | 5,347 |
| Noninterest expense to average assets | 3.0173% | 3,182 |
| Loan and lease loss provision to assets | -0.1497% | 7,199 |
| Net operating income to assets | 0.5261% | 4,706 |
| Return on assets (ROA) | 0.5433% | 4,842 |
| Pretax return on assets | 0.8771% | 4,120 |
| Return on Equity (ROE) | 6.1579% | 4,209 |
| Retained earnings to average equity (ytd only) | 6.1579% | 2,864 |
| Net charge-offs to loans | 0.4747% | 1,903 |
| Credit loss provision to net charge-offs | -52.9101% | 5,426 |
| Earnings coverage of net charge-offs (x) | 2.4762% | 3,180 |
| Efficiency ratio | 81.1594% | 2,056 |
| Assets per employee ($millions) | 5.6156% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,682 |
| Loan loss allowance to noncurrent loans | 49.1704% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 2.2990% | 2,584 |
| Noncurrent loans to loans | 3.8600% | 1,601 |
| Net loans and leases to total assets | 56.2225% | 4,347 |
| Net loans and leases to deposits | 68.0175% | 4,056 |
| Net loans and leases to core deposits | 70.1986% | 4,382 |
| Total domestic deposits to total assets | 82.6589% | 5,059 |
| Equity capital to assets | 8.6516% | 5,930 |
| Core capital (leverage) ratio | 8.8673% | 5,038 |
| Tier 1 risk-based capital ratio | 13.0177% | 5,207 |
| Total risk-based capital ratio | 14.2722% | 5,170 |
| Memoranda: | ||
| Average total assets | $267,255,500 | 2,410 |
| Average earning assets | $257,257,500 | 2,307 |
| Average equity | $23,579,500 | 2,798 |
| Average total loans | $159,255,500 | 2,493 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 2,421 |
| Cost of funding earning assets | 1.2495% | 1,742 |
| Net interest margin | 3.8584% | 3,523 |
| Noninterest income to average assets | 0.1227% | 6,534 |
| Noninterest expense to average assets | 3.1927% | 2,892 |
| Loan and lease loss provision to assets | 0.0891% | 5,469 |
| Net operating income to assets | 0.2265% | 5,501 |
| Return on assets (ROA) | 0.2685% | 5,525 |
| Pretax return on assets | 0.4385% | 5,175 |
| Return on Equity (ROE) | 2.9981% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.9981% | 4,093 |
| Net charge-offs to loans | 0.1968% | 4,568 |
| Credit loss provision to net charge-offs | 67.6375% | 4,940 |
| Earnings coverage of net charge-offs (x) | 3.5081% | 3,490 |
| Efficiency ratio | 87.3601% | 1,410 |
| Assets per employee ($millions) | 5.5181% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 2,152 |
| Loan loss allowance to noncurrent loans | 41.1175% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 3.1699% | 1,885 |
| Noncurrent loans to loans | 4.9635% | 1,140 |
| Net loans and leases to total assets | 60.7417% | 3,843 |
| Net loans and leases to deposits | 74.1499% | 3,473 |
| Net loans and leases to core deposits | 77.1366% | 3,806 |
| Total domestic deposits to total assets | 81.9174% | 5,159 |
| Equity capital to assets | 9.0045% | 5,548 |
| Core capital (leverage) ratio | 9.3953% | 4,189 |
| Tier 1 risk-based capital ratio | 12.5894% | 5,376 |
| Total risk-based capital ratio | 13.8457% | 5,364 |
| Memoranda: | ||
| Average total assets | $234,656,800 | 2,684 |
| Average earning assets | $214,805,200 | 2,668 |
| Average equity | $21,013,400 | 3,010 |
| Average total loans | $157,040,800 | 2,540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 1,875 |
| Cost of funding earning assets | 1.3008% | 1,693 |
| Net interest margin | 3.9955% | 2,929 |
| Noninterest income to average assets | 0.2964% | 5,489 |
| Noninterest expense to average assets | 3.2550% | 2,649 |
| Loan and lease loss provision to assets | 0.2941% | 3,173 |
| Net operating income to assets | 0.2150% | 5,656 |
| Return on assets (ROA) | 0.2725% | 5,661 |
| Pretax return on assets | 0.4452% | 5,326 |
| Return on Equity (ROE) | 3.0479% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.0479% | 4,508 |
| Net charge-offs to loans | 0.2639% | 3,793 |
| Credit loss provision to net charge-offs | 163.1068% | 1,881 |
| Earnings coverage of net charge-offs (x) | 3.6019% | 3,374 |
| Efficiency ratio | 83.3657% | 1,810 |
| Assets per employee ($millions) | 4.9420% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 1,942 |
| Loan loss allowance to noncurrent loans | 42.9721% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 4.3315% | 1,396 |
| Noncurrent loans to loans | 5.0230% | 1,236 |
| Net loans and leases to total assets | 69.8066% | 2,113 |
| Net loans and leases to deposits | 86.5792% | 1,612 |
| Net loans and leases to core deposits | 89.1914% | 2,340 |
| Total domestic deposits to total assets | 80.6275% | 5,556 |
| Equity capital to assets | 9.2740% | 5,417 |
| Core capital (leverage) ratio | 9.1242% | 4,758 |
| Tier 1 risk-based capital ratio | 11.4472% | 6,272 |
| Total risk-based capital ratio | 12.7089% | 6,261 |
| Memoranda: | ||
| Average total assets | $228,483,750 | 2,746 |
| Average earning assets | $206,327,750 | 2,777 |
| Average equity | $20,428,500 | 3,084 |
| Average total loans | $156,097,250 | 2,573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5204% | 1,256 |
| Cost of funding earning assets | 1.3672% | 1,564 |
| Net interest margin | 4.1531% | 2,219 |
| Noninterest income to average assets | 0.2746% | 5,682 |
| Noninterest expense to average assets | 3.3008% | 2,559 |
| Loan and lease loss provision to assets | 0.3600% | 2,630 |
| Net operating income to assets | 0.1862% | 5,788 |
| Return on assets (ROA) | 0.2544% | 5,666 |
| Pretax return on assets | 0.4155% | 5,350 |
| Return on Equity (ROE) | 2.8817% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.8817% | 4,454 |
| Net charge-offs to loans | 0.4042% | 2,936 |
| Credit loss provision to net charge-offs | 132.3625% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.4595% | 3,589 |
| Efficiency ratio | 83.1486% | 1,936 |
| Assets per employee ($millions) | 4.8624% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2164% | 1,882 |
| Loan loss allowance to noncurrent loans | 53.8592% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.8289% | 2,371 |
| Noncurrent loans to loans | 4.1151% | 1,665 |
| Net loans and leases to total assets | 67.2206% | 2,789 |
| Net loans and leases to deposits | 84.0507% | 2,099 |
| Net loans and leases to core deposits | 86.7147% | 2,796 |
| Total domestic deposits to total assets | 79.9763% | 5,829 |
| Equity capital to assets | 9.4200% | 4,941 |
| Core capital (leverage) ratio | 9.0054% | 4,715 |
| Tier 1 risk-based capital ratio | 13.1363% | 4,813 |
| Total risk-based capital ratio | 14.3973% | 4,783 |
| Memoranda: | ||
| Average total assets | $227,220,670 | 2,780 |
| Average earning assets | $202,160,330 | 2,848 |
| Average equity | $20,057,670 | 3,116 |
| Average total loans | $152,890,000 | 2,645 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 1,233 |
| Cost of funding earning assets | 1.3914% | 1,657 |
| Net interest margin | 4.1335% | 2,140 |
| Noninterest income to average assets | 0.2419% | 5,965 |
| Noninterest expense to average assets | 3.2662% | 2,656 |
| Loan and lease loss provision to assets | 0.6780% | 1,258 |
| Net operating income to assets | 0.0318% | 6,274 |
| Return on assets (ROA) | 0.0318% | 6,310 |
| Pretax return on assets | 0.0636% | 6,251 |
| Return on Equity (ROE) | 0.3726% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.3726% | 5,664 |
| Net charge-offs to loans | 0.8277% | 1,587 |
| Credit loss provision to net charge-offs | 123.0769% | 2,230 |
| Earnings coverage of net charge-offs (x) | 1.3462% | 3,674 |
| Efficiency ratio | 81.4978% | 2,302 |
| Assets per employee ($millions) | 5.5368% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3163% | 1,735 |
| Loan loss allowance to noncurrent loans | 97.2136% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 1.5279% | 3,953 |
| Noncurrent loans to loans | 2.3826% | 3,108 |
| Net loans and leases to total assets | 62.6399% | 3,728 |
| Net loans and leases to deposits | 78.4673% | 2,984 |
| Net loans and leases to core deposits | 84.9038% | 3,046 |
| Total domestic deposits to total assets | 79.8293% | 5,987 |
| Equity capital to assets | 8.4887% | 5,925 |
| Core capital (leverage) ratio | 8.2788% | 5,846 |
| Tier 1 risk-based capital ratio | 12.3854% | 5,363 |
| Total risk-based capital ratio | 13.6527% | 5,339 |
| Memoranda: | ||
| Average total assets | $226,564,000 | 2,800 |
| Average earning assets | $206,410,000 | 2,824 |
| Average equity | $19,322,500 | 3,219 |
| Average total loans | $150,783,000 | 2,702 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0327% | 793 |
| Cost of funding earning assets | 1.7678% | 1,310 |
| Net interest margin | 4.2649% | 1,938 |
| Noninterest income to average assets | 0.4053% | 4,869 |
| Noninterest expense to average assets | 3.0981% | 3,465 |
| Loan and lease loss provision to assets | 0.4934% | 3,190 |
| Net operating income to assets | 0.2797% | 5,004 |
| Return on assets (ROA) | 0.4309% | 4,556 |
| Pretax return on assets | 0.6998% | 3,979 |
| Return on Equity (ROE) | 5.3224% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.3224% | 2,235 |
| Net charge-offs to loans | -0.0336% | 7,410 |
| Credit loss provision to net charge-offs | -2,084.0000% | 7,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4012% | 2,988 |
| Assets per employee ($millions) | 5.2520% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,839 |
| Loan loss allowance to noncurrent loans | 140.3320% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 4,827 |
| Noncurrent loans to loans | 1.5809% | 4,129 |
| Net loans and leases to total assets | 67.5773% | 3,085 |
| Net loans and leases to deposits | 87.9102% | 1,804 |
| Net loans and leases to core deposits | 96.1647% | 1,996 |
| Total domestic deposits to total assets | 76.8708% | 6,502 |
| Equity capital to assets | 8.5705% | 5,761 |
| Core capital (leverage) ratio | 8.1635% | 5,888 |
| Tier 1 risk-based capital ratio | 11.9702% | 5,499 |
| Total risk-based capital ratio | 13.2319% | 5,474 |
| Memoranda: | ||
| Average total assets | $211,194,000 | 2,970 |
| Average earning assets | $180,732,000 | 3,115 |
| Average equity | $17,097,400 | 3,575 |
| Average total loans | $148,641,400 | 2,798 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1597% | 670 |
| Cost of funding earning assets | 1.8466% | 1,233 |
| Net interest margin | 4.3131% | 1,805 |
| Noninterest income to average assets | 0.4877% | 4,281 |
| Noninterest expense to average assets | 3.0944% | 3,362 |
| Loan and lease loss provision to assets | 0.3524% | 3,795 |
| Net operating income to assets | 0.3952% | 4,770 |
| Return on assets (ROA) | 0.5937% | 4,060 |
| Pretax return on assets | 0.9627% | 3,320 |
| Return on Equity (ROE) | 7.4493% | 3,127 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,619 |
| Net charge-offs to loans | 0.0036% | 6,631 |
| Credit loss provision to net charge-offs | 13,800.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 393.7355% | 79 |
| Efficiency ratio | 75.4867% | 3,043 |
| Assets per employee ($millions) | 5.3327% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8365% | 2,671 |
| Loan loss allowance to noncurrent loans | 119.0936% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0899% | 4,938 |
| Noncurrent loans to loans | 1.5421% | 4,323 |
| Net loans and leases to total assets | 69.3787% | 2,884 |
| Net loans and leases to deposits | 89.6757% | 1,764 |
| Net loans and leases to core deposits | 100.8215% | 1,766 |
| Total domestic deposits to total assets | 77.3662% | 6,401 |
| Equity capital to assets | 8.8190% | 5,830 |
| Core capital (leverage) ratio | 8.4335% | 5,633 |
| Tier 1 risk-based capital ratio | 11.9323% | 5,526 |
| Total risk-based capital ratio | 13.1896% | 5,488 |
| Memoranda: | ||
| Average total assets | $208,846,750 | 3,035 |
| Average earning assets | $174,875,500 | 3,235 |
| Average equity | $16,645,500 | 3,703 |
| Average total loans | $147,690,250 | 2,845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0644% | 821 |
| Cost of funding earning assets | 1.8796% | 1,310 |
| Net interest margin | 4.1849% | 2,199 |
| Noninterest income to average assets | 0.4611% | 4,423 |
| Noninterest expense to average assets | 2.9886% | 3,750 |
| Loan and lease loss provision to assets | 0.4689% | 2,973 |
| Net operating income to assets | 0.3541% | 4,955 |
| Return on assets (ROA) | 0.3541% | 5,116 |
| Pretax return on assets | 0.5798% | 4,630 |
| Return on Equity (ROE) | 4.6173% | 4,480 |
| Retained earnings to average equity (ytd only) | 4.6173% | 3,134 |
| Net charge-offs to loans | -0.0248% | 7,316 |
| Credit loss provision to net charge-offs | -2,677.7778% | 6,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0241% | 3,471 |
| Assets per employee ($millions) | 5.5792% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 2,456 |
| Loan loss allowance to noncurrent loans | 61.8625% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.3626% | 3,056 |
| Noncurrent loans to loans | 3.0472% | 2,642 |
| Net loans and leases to total assets | 68.4954% | 3,250 |
| Net loans and leases to deposits | 83.6200% | 2,947 |
| Net loans and leases to core deposits | 97.1228% | 2,318 |
| Total domestic deposits to total assets | 81.9126% | 5,023 |
| Equity capital to assets | 7.8171% | 6,908 |
| Core capital (leverage) ratio | 6.7805% | 7,292 |
| Tier 1 risk-based capital ratio | 9.7622% | 7,153 |
| Total risk-based capital ratio | 11.0256% | 7,128 |
| Memoranda: | ||
| Average total assets | $205,581,670 | 3,098 |
| Average earning assets | $175,679,670 | 3,244 |
| Average equity | $15,766,670 | 3,841 |
| Average total loans | $145,410,670 | 2,912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 1,441 |
| Cost of funding earning assets | 1.8918% | 1,485 |
| Net interest margin | 3.9117% | 3,275 |
| Noninterest income to average assets | 0.3044% | 5,712 |
| Noninterest expense to average assets | 2.8858% | 4,118 |
| Loan and lease loss provision to assets | 0.3795% | 3,091 |
| Net operating income to assets | 0.2154% | 5,632 |
| Return on assets (ROA) | 0.2154% | 5,750 |
| Pretax return on assets | 0.3578% | 5,423 |
| Return on Equity (ROE) | 2.8379% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.8379% | 4,429 |
| Net charge-offs to loans | 0.0167% | 5,346 |
| Credit loss provision to net charge-offs | 3,200.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 62.1667% | 493 |
| Efficiency ratio | 79.6508% | 2,624 |
| Assets per employee ($millions) | 5.8844% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 3,274 |
| Loan loss allowance to noncurrent loans | 123.5529% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 2.3513% | 3,089 |
| Noncurrent loans to loans | 1.3312% | 4,758 |
| Net loans and leases to total assets | 69.8967% | 2,967 |
| Net loans and leases to deposits | 85.4333% | 2,695 |
| Net loans and leases to core deposits | 100.3361% | 2,094 |
| Total domestic deposits to total assets | 81.8143% | 5,151 |
| Equity capital to assets | 7.7031% | 6,931 |
| Core capital (leverage) ratio | 7.0977% | 7,175 |
| Tier 1 risk-based capital ratio | 9.4018% | 7,352 |
| Total risk-based capital ratio | 10.6563% | 7,349 |
| Memoranda: | ||
| Average total assets | $202,367,500 | 3,190 |
| Average earning assets | $171,689,500 | 3,374 |
| Average equity | $15,363,500 | 3,951 |
| Average total loans | $144,112,500 | 2,998 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5605% | 3,813 |
| Cost of funding earning assets | 2.2643% | 1,787 |
| Net interest margin | 3.2962% | 5,765 |
| Noninterest income to average assets | 0.2126% | 6,584 |
| Noninterest expense to average assets | 3.2293% | 3,277 |
| Loan and lease loss provision to assets | 2.8951% | 623 |
| Net operating income to assets | -1.8451% | 7,028 |
| Return on assets (ROA) | -1.8451% | 7,027 |
| Pretax return on assets | -2.9499% | 7,278 |
| Return on Equity (ROE) | -20.9279% | 7,167 |
| Retained earnings to average equity (ytd only) | -20.9279% | 7,138 |
| Net charge-offs to loans | 2.6965% | 836 |
| Credit loss provision to net charge-offs | 138.7781% | 3,537 |
| Earnings coverage of net charge-offs (x) | -0.0263% | 6,239 |
| Efficiency ratio | 101.7266% | 1,020 |
| Assets per employee ($millions) | 4.9461% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 3,031 |
| Loan loss allowance to noncurrent loans | 74.4231% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,960 |
| Noncurrent loans to loans | 2.2349% | 3,357 |
| Net loans and leases to total assets | 70.1884% | 3,210 |
| Net loans and leases to deposits | 86.5999% | 2,807 |
| Net loans and leases to core deposits | 125.9918% | 1,510 |
| Total domestic deposits to total assets | 81.0491% | 5,330 |
| Equity capital to assets | 7.4698% | 7,055 |
| Core capital (leverage) ratio | 6.7613% | 7,387 |
| Tier 1 risk-based capital ratio | 8.7625% | 7,547 |
| Total risk-based capital ratio | 10.0185% | 7,579 |
| Memoranda: | ||
| Average total assets | $151,428,200 | 3,932 |
| Average earning assets | $136,066,800 | 3,976 |
| Average equity | $13,350,600 | 4,419 |
| Average total loans | $117,153,400 | 3,548 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6650% | 3,499 |
| Cost of funding earning assets | 2.3462% | 1,825 |
| Net interest margin | 3.3187% | 5,571 |
| Noninterest income to average assets | 0.1673% | 7,015 |
| Noninterest expense to average assets | 3.2817% | 2,991 |
| Loan and lease loss provision to assets | 0.7146% | 2,592 |
| Net operating income to assets | -0.5057% | 6,428 |
| Return on assets (ROA) | -0.5057% | 6,430 |
| Pretax return on assets | -0.8034% | 6,547 |
| Return on Equity (ROE) | -5.4510% | 6,497 |
| Retained earnings to average equity (ytd only) | -5.4510% | 6,310 |
| Net charge-offs to loans | 0.2380% | 4,558 |
| Credit loss provision to net charge-offs | 378.0000% | 1,065 |
| Earnings coverage of net charge-offs (x) | -0.4700% | 6,467 |
| Efficiency ratio | 102.7827% | 954 |
| Assets per employee ($millions) | 4.8670% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 4,830 |
| Loan loss allowance to noncurrent loans | 23.7865% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 4.1208% | 1,531 |
| Noncurrent loans to loans | 5.2552% | 1,215 |
| Net loans and leases to total assets | 77.4334% | 1,685 |
| Net loans and leases to deposits | 97.3138% | 1,400 |
| Net loans and leases to core deposits | 159.6790% | 387 |
| Total domestic deposits to total assets | 79.5708% | 5,600 |
| Equity capital to assets | 7.9339% | 6,905 |
| Core capital (leverage) ratio | 7.6460% | 6,804 |
| Tier 1 risk-based capital ratio | 9.1142% | 7,577 |
| Total risk-based capital ratio | 10.3040% | 7,605 |
| Memoranda: | ||
| Average total assets | $141,060,750 | 4,113 |
| Average earning assets | $128,599,750 | 4,135 |
| Average equity | $13,086,000 | 4,512 |
| Average total loans | $112,021,250 | 3,686 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6972% | 3,552 |
| Cost of funding earning assets | 2.3824% | 2,039 |
| Net interest margin | 3.3147% | 5,496 |
| Noninterest income to average assets | 0.1399% | 7,255 |
| Noninterest expense to average assets | 3.2952% | 2,977 |
| Loan and lease loss provision to assets | 0.3626% | 3,752 |
| Net operating income to assets | -0.2769% | 6,300 |
| Return on assets (ROA) | -0.2769% | 6,315 |
| Pretax return on assets | -0.4363% | 6,362 |
| Return on Equity (ROE) | -2.8152% | 6,339 |
| Retained earnings to average equity (ytd only) | -2.8152% | 5,933 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2887% | 1,080 |
| Assets per employee ($millions) | 4.5862% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 5,842 |
| Loan loss allowance to noncurrent loans | 25.2560% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 3.4194% | 1,829 |
| Noncurrent loans to loans | 4.1930% | 1,581 |
| Net loans and leases to total assets | 80.6869% | 1,195 |
| Net loans and leases to deposits | 109.3026% | 587 |
| Net loans and leases to core deposits | 209.6126% | 94 |
| Total domestic deposits to total assets | 73.8197% | 6,977 |
| Equity capital to assets | 8.9043% | 5,448 |
| Core capital (leverage) ratio | 8.8627% | 4,843 |
| Tier 1 risk-based capital ratio | 10.0627% | 6,863 |
| Total risk-based capital ratio | 11.0758% | 7,049 |
| Memoranda: | ||
| Average total assets | $132,921,330 | 4,329 |
| Average earning assets | $123,570,330 | 4,279 |
| Average equity | $13,071,670 | 4,524 |
| Average total loans | $106,109,000 | 3,855 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 3,927 |
| Cost of funding earning assets | 2.4355% | 2,154 |
| Net interest margin | 3.2372% | 5,732 |
| Noninterest income to average assets | 0.1390% | 7,304 |
| Noninterest expense to average assets | 3.1913% | 3,028 |
| Loan and lease loss provision to assets | 0.4365% | 2,743 |
| Net operating income to assets | -0.2587% | 6,629 |
| Return on assets (ROA) | -0.2587% | 6,706 |
| Pretax return on assets | -0.4074% | 6,748 |
| Return on Equity (ROE) | -2.4865% | 6,723 |
| Retained earnings to average equity (ytd only) | -2.4865% | 6,192 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0964% | 1,171 |
| Assets per employee ($millions) | 4.8119% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,025 |
| Loan loss allowance to noncurrent loans | 187.6563% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,990 |
| Noncurrent loans to loans | 0.6200% | 5,849 |
| Net loans and leases to total assets | 78.5333% | 1,687 |
| Net loans and leases to deposits | 103.7564% | 1,026 |
| Net loans and leases to core deposits | 208.4242% | 121 |
| Total domestic deposits to total assets | 75.6900% | 6,576 |
| Equity capital to assets | 9.8752% | 4,151 |
| Core capital (leverage) ratio | 10.2105% | 3,188 |
| Tier 1 risk-based capital ratio | 11.6692% | 5,236 |
| Total risk-based capital ratio | 12.7998% | 5,257 |
| Memoranda: | ||
| Average total assets | $123,710,500 | 4,553 |
| Average earning assets | $117,756,500 | 4,434 |
| Average equity | $12,869,500 | 4,610 |
| Average total loans | $97,453,000 | 4,099 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3776% | 3,534 |
| Cost of funding earning assets | 2.8267% | 2,596 |
| Net interest margin | 3.5510% | 5,094 |
| Noninterest income to average assets | 0.1277% | 7,474 |
| Noninterest expense to average assets | 3.6332% | 2,072 |
| Loan and lease loss provision to assets | 0.5947% | 2,447 |
| Net operating income to assets | -0.4639% | 6,894 |
| Return on assets (ROA) | -0.4639% | 6,770 |
| Pretax return on assets | -0.7309% | 6,831 |
| Return on Equity (ROE) | -3.3438% | 6,667 |
| Retained earnings to average equity (ytd only) | -3.3438% | 6,191 |
| Net charge-offs to loans | 0.0738% | 5,704 |
| Credit loss provision to net charge-offs | 1,035.1852% | 428 |
| Earnings coverage of net charge-offs (x) | -2.3704% | 6,727 |
| Efficiency ratio | 103.8941% | 873 |
| Assets per employee ($millions) | 3.9166% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 4,832 |
| Loan loss allowance to noncurrent loans | 179.4613% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,672 |
| Noncurrent loans to loans | 0.6480% | 5,422 |
| Net loans and leases to total assets | 77.1130% | 2,347 |
| Net loans and leases to deposits | 101.6058% | 1,625 |
| Net loans and leases to core deposits | 218.0412% | 116 |
| Total domestic deposits to total assets | 75.8943% | 6,270 |
| Equity capital to assets | 10.9865% | 3,047 |
| Core capital (leverage) ratio | 11.7019% | 2,126 |
| Tier 1 risk-based capital ratio | 13.2874% | 3,939 |
| Total risk-based capital ratio | 14.4096% | 3,933 |
| Memoranda: | ||
| Average total assets | $93,994,200 | 5,226 |
| Average earning assets | $89,186,800 | 5,114 |
| Average equity | $13,039,200 | 4,561 |
| Average total loans | $73,178,200 | 4,766 |