Home > Forest Commercial Bank > Performance and Condition Ratios
Forest Commercial Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 4,260 |
| Cost of funding earning assets | 0.4825% | 3,089 |
| Net interest margin | 3.3748% | 4,244 |
| Noninterest income to average assets | 0.8185% | 1,682 |
| Noninterest expense to average assets | 4.4439% | 481 |
| Loan and lease loss provision to assets | 0.1396% | 1,743 |
| Net operating income to assets | -0.4189% | 6,438 |
| Return on assets (ROA) | -0.4189% | 6,442 |
| Pretax return on assets | -0.5489% | 6,471 |
| Return on Equity (ROE) | -3.6540% | 6,430 |
| Retained earnings to average equity (ytd only) | -3.6540% | 6,026 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1432% | 263 |
| Assets per employee ($millions) | 6.8313% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 3,740 |
| Loan loss allowance to noncurrent loans | 1,260.7407% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.8783% | 3,538 |
| Noncurrent loans to loans | 0.1088% | 5,800 |
| Net loans and leases to total assets | 77.9067% | 779 |
| Net loans and leases to deposits | 94.4812% | 747 |
| Net loans and leases to core deposits | 113.0259% | 494 |
| Total domestic deposits to total assets | 82.4574% | 4,800 |
| Equity capital to assets | 12.1907% | 1,751 |
| Core capital (leverage) ratio | 11.4813% | 1,975 |
| Tier 1 risk-based capital ratio | 13.4379% | 4,736 |
| Total risk-based capital ratio | 14.6590% | 4,691 |
| Memoranda: | ||
| Average total assets | $166,159,500 | 3,461 |
| Average earning assets | $158,350,000 | 3,372 |
| Average equity | $19,047,500 | 3,273 |
| Average total loans | $121,964,000 | 3,033 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,978 |
| Cost of funding earning assets | 0.5771% | 2,862 |
| Net interest margin | 3.4537% | 4,081 |
| Noninterest income to average assets | 0.9699% | 1,461 |
| Noninterest expense to average assets | 3.9553% | 912 |
| Loan and lease loss provision to assets | 0.0750% | 3,611 |
| Net operating income to assets | 0.1096% | 6,025 |
| Return on assets (ROA) | 0.1150% | 6,071 |
| Pretax return on assets | 0.2507% | 5,847 |
| Return on Equity (ROE) | 0.9260% | 6,094 |
| Retained earnings to average equity (ytd only) | 0.9260% | 5,421 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5741% | 835 |
| Assets per employee ($millions) | 6.7384% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3721% | 3,783 |
| Loan loss allowance to noncurrent loans | 1,208.8235% | 436 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 3,916 |
| Noncurrent loans to loans | 0.1135% | 5,861 |
| Net loans and leases to total assets | 67.4519% | 2,443 |
| Net loans and leases to deposits | 81.2831% | 2,285 |
| Net loans and leases to core deposits | 97.5895% | 1,342 |
| Total domestic deposits to total assets | 82.9839% | 4,548 |
| Equity capital to assets | 10.8111% | 2,804 |
| Core capital (leverage) ratio | 10.4469% | 2,969 |
| Tier 1 risk-based capital ratio | 14.2693% | 4,103 |
| Total risk-based capital ratio | 15.5103% | 4,053 |
| Memoranda: | ||
| Average total assets | $154,755,800 | 3,627 |
| Average earning assets | $147,988,000 | 3,540 |
| Average equity | $19,222,400 | 3,255 |
| Average total loans | $113,132,400 | 3,186 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,669 |
| Cost of funding earning assets | 0.6009% | 2,801 |
| Net interest margin | 3.5216% | 3,789 |
| Noninterest income to average assets | 0.9917% | 1,479 |
| Noninterest expense to average assets | 3.9221% | 936 |
| Loan and lease loss provision to assets | 0.0909% | 3,250 |
| Net operating income to assets | 0.2058% | 5,899 |
| Return on assets (ROA) | 0.2121% | 5,965 |
| Pretax return on assets | 0.3564% | 5,728 |
| Return on Equity (ROE) | 1.6448% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.6448% | 5,319 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9653% | 994 |
| Assets per employee ($millions) | 7.1657% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 3,980 |
| Loan loss allowance to noncurrent loans | 1,189.7810% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 4,174 |
| Noncurrent loans to loans | 0.1161% | 5,980 |
| Net loans and leases to total assets | 64.9409% | 2,816 |
| Net loans and leases to deposits | 77.8158% | 2,699 |
| Net loans and leases to core deposits | 92.4844% | 1,722 |
| Total domestic deposits to total assets | 83.4546% | 4,395 |
| Equity capital to assets | 10.6647% | 3,107 |
| Core capital (leverage) ratio | 12.0796% | 1,625 |
| Tier 1 risk-based capital ratio | 14.6675% | 3,971 |
| Total risk-based capital ratio | 15.9168% | 3,924 |
| Memoranda: | ||
| Average total assets | $149,645,000 | 3,750 |
| Average earning assets | $143,112,500 | 3,653 |
| Average equity | $19,292,750 | 3,277 |
| Average total loans | $111,460,750 | 3,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 2,808 |
| Cost of funding earning assets | 0.6286% | 2,695 |
| Net interest margin | 3.7070% | 2,934 |
| Noninterest income to average assets | 1.1115% | 1,231 |
| Noninterest expense to average assets | 4.1212% | 757 |
| Loan and lease loss provision to assets | 0.0300% | 4,328 |
| Net operating income to assets | 0.3104% | 5,575 |
| Return on assets (ROA) | 0.3204% | 5,675 |
| Pretax return on assets | 0.5193% | 5,305 |
| Return on Equity (ROE) | 2.3146% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.3146% | 4,816 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5372% | 1,166 |
| Assets per employee ($millions) | 5.7249% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,121 |
| Loan loss allowance to noncurrent loans | 106.1644% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 3,715 |
| Noncurrent loans to loans | 1.3015% | 3,380 |
| Net loans and leases to total assets | 77.2942% | 828 |
| Net loans and leases to deposits | 96.9978% | 605 |
| Net loans and leases to core deposits | 126.1460% | 225 |
| Total domestic deposits to total assets | 79.6866% | 5,672 |
| Equity capital to assets | 13.4843% | 1,144 |
| Core capital (leverage) ratio | 13.6954% | 913 |
| Tier 1 risk-based capital ratio | 15.5612% | 3,446 |
| Total risk-based capital ratio | 16.8124% | 3,401 |
| Memoranda: | ||
| Average total assets | $139,812,330 | 3,952 |
| Average earning assets | $133,639,330 | 3,828 |
| Average equity | $19,355,330 | 3,287 |
| Average total loans | $109,292,000 | 3,288 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4091% | 2,493 |
| Cost of funding earning assets | 0.6476% | 2,682 |
| Net interest margin | 3.7615% | 2,607 |
| Noninterest income to average assets | 1.3318% | 870 |
| Noninterest expense to average assets | 4.4297% | 571 |
| Loan and lease loss provision to assets | -0.0347% | 6,773 |
| Net operating income to assets | 0.3223% | 5,486 |
| Return on assets (ROA) | 0.3445% | 5,525 |
| Pretax return on assets | 0.5704% | 5,049 |
| Return on Equity (ROE) | 2.4557% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.4557% | 4,798 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8415% | 1,161 |
| Assets per employee ($millions) | 5.3251% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,284 |
| Loan loss allowance to noncurrent loans | 88.4997% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 1.2373% | 3,496 |
| Noncurrent loans to loans | 1.5727% | 3,175 |
| Net loans and leases to total assets | 77.5771% | 658 |
| Net loans and leases to deposits | 95.8863% | 551 |
| Net loans and leases to core deposits | 123.8150% | 234 |
| Total domestic deposits to total assets | 80.9053% | 5,525 |
| Equity capital to assets | 14.0222% | 1,019 |
| Core capital (leverage) ratio | 13.9862% | 802 |
| Tier 1 risk-based capital ratio | 16.1660% | 3,174 |
| Total risk-based capital ratio | 17.3571% | 3,161 |
| Memoranda: | ||
| Average total assets | $138,157,500 | 4,017 |
| Average earning assets | $132,181,000 | 3,895 |
| Average equity | $19,383,500 | 3,328 |
| Average total loans | $107,850,500 | 3,336 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 2,412 |
| Cost of funding earning assets | 0.8443% | 2,333 |
| Net interest margin | 3.9018% | 2,823 |
| Noninterest income to average assets | 0.9804% | 1,592 |
| Noninterest expense to average assets | 4.0754% | 895 |
| Loan and lease loss provision to assets | 0.1738% | 3,446 |
| Net operating income to assets | 0.6111% | 4,188 |
| Return on assets (ROA) | 0.6366% | 4,322 |
| Pretax return on assets | 0.4914% | 5,304 |
| Return on Equity (ROE) | 4.3763% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.3763% | 3,148 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4329% | 1,389 |
| Assets per employee ($millions) | 5.9940% | 1,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,009 |
| Loan loss allowance to noncurrent loans | 89.1482% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 3,571 |
| Noncurrent loans to loans | 1.6052% | 3,219 |
| Net loans and leases to total assets | 76.3439% | 872 |
| Net loans and leases to deposits | 92.6227% | 862 |
| Net loans and leases to core deposits | 113.8096% | 421 |
| Total domestic deposits to total assets | 82.4246% | 4,959 |
| Equity capital to assets | 14.0378% | 1,035 |
| Core capital (leverage) ratio | 13.9610% | 812 |
| Tier 1 risk-based capital ratio | 16.5626% | 2,856 |
| Total risk-based capital ratio | 17.7272% | 2,873 |
| Memoranda: | ||
| Average total assets | $129,434,800 | 4,151 |
| Average earning assets | $123,892,200 | 4,021 |
| Average equity | $18,828,800 | 3,355 |
| Average total loans | $100,491,400 | 3,508 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 2,284 |
| Cost of funding earning assets | 0.8933% | 2,216 |
| Net interest margin | 3.9342% | 2,783 |
| Noninterest income to average assets | 0.9204% | 1,763 |
| Noninterest expense to average assets | 4.1823% | 738 |
| Loan and lease loss provision to assets | 0.1833% | 3,300 |
| Net operating income to assets | 0.6409% | 4,192 |
| Return on assets (ROA) | 0.6754% | 4,293 |
| Pretax return on assets | 0.3571% | 5,819 |
| Return on Equity (ROE) | 4.5994% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.5994% | 3,664 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2115% | 1,096 |
| Assets per employee ($millions) | 5.5924% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 4,189 |
| Loan loss allowance to noncurrent loans | 81.4325% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 3,594 |
| Noncurrent loans to loans | 1.7704% | 3,125 |
| Net loans and leases to total assets | 75.2835% | 1,081 |
| Net loans and leases to deposits | 93.2786% | 846 |
| Net loans and leases to core deposits | 116.4759% | 374 |
| Total domestic deposits to total assets | 80.7083% | 5,450 |
| Equity capital to assets | 14.3453% | 1,020 |
| Core capital (leverage) ratio | 14.0939% | 802 |
| Tier 1 risk-based capital ratio | 16.9414% | 2,763 |
| Total risk-based capital ratio | 18.1930% | 2,724 |
| Memoranda: | ||
| Average total assets | $127,327,750 | 4,243 |
| Average earning assets | $121,937,500 | 4,106 |
| Average equity | $18,697,750 | 3,405 |
| Average total loans | $98,919,750 | 3,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8721% | 2,224 |
| Cost of funding earning assets | 0.9294% | 2,190 |
| Net interest margin | 3.9426% | 2,741 |
| Noninterest income to average assets | 0.8270% | 2,066 |
| Noninterest expense to average assets | 4.2326% | 705 |
| Loan and lease loss provision to assets | 0.3151% | 2,093 |
| Net operating income to assets | 0.0656% | 6,232 |
| Return on assets (ROA) | 0.1184% | 6,281 |
| Pretax return on assets | 0.1184% | 6,291 |
| Return on Equity (ROE) | 0.7995% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.7995% | 5,746 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7476% | 942 |
| Assets per employee ($millions) | 5.2576% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 4,282 |
| Loan loss allowance to noncurrent loans | 82.1468% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3892% | 3,644 |
| Noncurrent loans to loans | 1.7546% | 3,267 |
| Net loans and leases to total assets | 78.0333% | 716 |
| Net loans and leases to deposits | 98.3733% | 506 |
| Net loans and leases to core deposits | 122.3950% | 272 |
| Total domestic deposits to total assets | 79.3236% | 5,894 |
| Equity capital to assets | 14.1487% | 1,034 |
| Core capital (leverage) ratio | 14.2595% | 745 |
| Tier 1 risk-based capital ratio | 15.9411% | 3,191 |
| Total risk-based capital ratio | 17.1921% | 3,156 |
| Memoranda: | ||
| Average total assets | $125,031,000 | 4,315 |
| Average earning assets | $120,072,000 | 4,171 |
| Average equity | $18,512,330 | 3,425 |
| Average total loans | $97,719,000 | 3,631 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 2,436 |
| Cost of funding earning assets | 0.9553% | 2,266 |
| Net interest margin | 3.8961% | 2,943 |
| Noninterest income to average assets | 0.7650% | 2,322 |
| Noninterest expense to average assets | 4.2815% | 681 |
| Loan and lease loss provision to assets | 0.3316% | 1,890 |
| Net operating income to assets | -0.0985% | 6,539 |
| Return on assets (ROA) | 0.0033% | 6,519 |
| Pretax return on assets | 0.0033% | 6,523 |
| Return on Equity (ROE) | 0.0217% | 6,522 |
| Retained earnings to average equity (ytd only) | 0.0217% | 5,968 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8364% | 781 |
| Assets per employee ($millions) | 5.1746% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 4,403 |
| Loan loss allowance to noncurrent loans | 111.8631% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.0113% | 4,468 |
| Noncurrent loans to loans | 1.2908% | 4,183 |
| Net loans and leases to total assets | 77.2198% | 672 |
| Net loans and leases to deposits | 92.5837% | 755 |
| Net loans and leases to core deposits | 113.8549% | 435 |
| Total domestic deposits to total assets | 83.4054% | 4,757 |
| Equity capital to assets | 14.8054% | 782 |
| Core capital (leverage) ratio | 14.8996% | 615 |
| Tier 1 risk-based capital ratio | 16.6579% | 2,832 |
| Total risk-based capital ratio | 17.9091% | 2,790 |
| Memoranda: | ||
| Average total assets | $121,826,500 | 4,414 |
| Average earning assets | $117,246,500 | 4,265 |
| Average equity | $18,470,000 | 3,431 |
| Average total loans | $94,545,000 | 3,719 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 2,715 |
| Cost of funding earning assets | 1.0828% | 2,784 |
| Net interest margin | 3.9567% | 3,079 |
| Noninterest income to average assets | 0.2609% | 5,671 |
| Noninterest expense to average assets | 3.4143% | 2,205 |
| Loan and lease loss provision to assets | 0.2572% | 3,633 |
| Net operating income to assets | 0.4259% | 4,752 |
| Return on assets (ROA) | 0.4139% | 4,988 |
| Pretax return on assets | 0.4139% | 5,246 |
| Return on Equity (ROE) | 2.4783% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.4783% | 4,463 |
| Net charge-offs to loans | 0.0109% | 6,277 |
| Credit loss provision to net charge-offs | 3,100.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 82.3333% | 356 |
| Efficiency ratio | 83.3296% | 1,844 |
| Assets per employee ($millions) | 4.9776% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,374 |
| Loan loss allowance to noncurrent loans | 2,895.5556% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,875 |
| Noncurrent loans to loans | 0.0490% | 6,700 |
| Net loans and leases to total assets | 75.7412% | 982 |
| Net loans and leases to deposits | 92.7041% | 908 |
| Net loans and leases to core deposits | 117.5793% | 408 |
| Total domestic deposits to total assets | 81.7021% | 5,232 |
| Equity capital to assets | 15.5305% | 669 |
| Core capital (leverage) ratio | 16.4290% | 420 |
| Tier 1 risk-based capital ratio | 17.8910% | 2,232 |
| Total risk-based capital ratio | 19.1420% | 2,201 |
| Memoranda: | ||
| Average total assets | $108,484,000 | 4,678 |
| Average earning assets | $105,188,200 | 4,519 |
| Average equity | $18,117,200 | 3,410 |
| Average total loans | $82,516,600 | 4,068 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1003% | 2,607 |
| Cost of funding earning assets | 1.1120% | 2,894 |
| Net interest margin | 3.9883% | 2,960 |
| Noninterest income to average assets | 0.1110% | 6,701 |
| Noninterest expense to average assets | 3.2620% | 2,627 |
| Loan and lease loss provision to assets | 0.1942% | 4,079 |
| Net operating income to assets | 0.5258% | 4,424 |
| Return on assets (ROA) | 0.5107% | 4,688 |
| Pretax return on assets | 0.5107% | 5,133 |
| Return on Equity (ROE) | 2.9986% | 5,421 |
| Retained earnings to average equity (ytd only) | 2.9986% | 4,555 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9189% | 1,991 |
| Assets per employee ($millions) | 6.3006% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 4,519 |
| Loan loss allowance to noncurrent loans | 620.9424% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1783% | 6,608 |
| Noncurrent loans to loans | 0.2269% | 6,419 |
| Net loans and leases to total assets | 77.4944% | 768 |
| Net loans and leases to deposits | 96.2310% | 686 |
| Net loans and leases to core deposits | 120.6907% | 368 |
| Total domestic deposits to total assets | 80.5295% | 5,589 |
| Equity capital to assets | 17.3428% | 456 |
| Core capital (leverage) ratio | 17.0210% | 398 |
| Tier 1 risk-based capital ratio | 18.5080% | 2,089 |
| Total risk-based capital ratio | 19.7262% | 2,062 |
| Memoranda: | ||
| Average total assets | $105,739,500 | 4,770 |
| Average earning assets | $102,632,000 | 4,602 |
| Average equity | $18,008,250 | 3,425 |
| Average total loans | $80,199,500 | 4,165 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0800% | 2,771 |
| Cost of funding earning assets | 1.1109% | 3,164 |
| Net interest margin | 3.9691% | 2,996 |
| Noninterest income to average assets | 0.1045% | 6,804 |
| Noninterest expense to average assets | 3.2978% | 2,574 |
| Loan and lease loss provision to assets | 0.2090% | 3,828 |
| Net operating income to assets | 0.4597% | 4,677 |
| Return on assets (ROA) | 0.4369% | 4,922 |
| Pretax return on assets | 0.4369% | 5,275 |
| Return on Equity (ROE) | 2.5815% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.5815% | 4,652 |
| Net charge-offs to loans | 0.0025% | 5,850 |
| Credit loss provision to net charge-offs | 11,000.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 92 |
| Efficiency ratio | 83.1418% | 1,938 |
| Assets per employee ($millions) | 6.2019% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 4,556 |
| Loan loss allowance to noncurrent loans | 1,503.9474% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 6,918 |
| Noncurrent loans to loans | 0.0933% | 6,745 |
| Net loans and leases to total assets | 76.2169% | 1,047 |
| Net loans and leases to deposits | 96.5342% | 686 |
| Net loans and leases to core deposits | 122.2532% | 370 |
| Total domestic deposits to total assets | 78.9533% | 6,101 |
| Equity capital to assets | 17.2405% | 463 |
| Core capital (leverage) ratio | 16.9066% | 413 |
| Tier 1 risk-based capital ratio | 18.8008% | 1,907 |
| Total risk-based capital ratio | 20.0127% | 1,882 |
| Memoranda: | ||
| Average total assets | $105,282,330 | 4,819 |
| Average earning assets | $102,441,670 | 4,639 |
| Average equity | $17,819,000 | 3,449 |
| Average total loans | $78,869,000 | 4,263 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 3,003 |
| Cost of funding earning assets | 1.1749% | 2,984 |
| Net interest margin | 3.8468% | 3,389 |
| Noninterest income to average assets | 0.0951% | 6,942 |
| Noninterest expense to average assets | 3.2621% | 2,670 |
| Loan and lease loss provision to assets | 0.2395% | 3,272 |
| Net operating income to assets | 0.3156% | 5,330 |
| Return on assets (ROA) | 0.3194% | 5,392 |
| Pretax return on assets | 0.3194% | 5,600 |
| Return on Equity (ROE) | 1.9048% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.9048% | 4,985 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4582% | 1,776 |
| Assets per employee ($millions) | 6.3645% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 4,800 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.7938% | 1,559 |
| Net loans and leases to deposits | 90.9773% | 1,125 |
| Net loans and leases to core deposits | 110.3746% | 702 |
| Total domestic deposits to total assets | 80.0131% | 5,947 |
| Equity capital to assets | 16.3444% | 518 |
| Core capital (leverage) ratio | 16.6188% | 429 |
| Tier 1 risk-based capital ratio | 19.8990% | 1,605 |
| Total risk-based capital ratio | 21.1397% | 1,574 |
| Memoranda: | ||
| Average total assets | $105,207,500 | 4,859 |
| Average earning assets | $101,800,000 | 4,696 |
| Average equity | $17,640,000 | 3,465 |
| Average total loans | $77,553,500 | 4,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1484% | 3,862 |
| Cost of funding earning assets | 1.4259% | 3,096 |
| Net interest margin | 3.7225% | 4,260 |
| Noninterest income to average assets | 0.0675% | 7,032 |
| Noninterest expense to average assets | 3.3656% | 2,535 |
| Loan and lease loss provision to assets | 0.2800% | 4,571 |
| Net operating income to assets | 0.0416% | 5,723 |
| Return on assets (ROA) | 0.0416% | 5,862 |
| Pretax return on assets | 0.0416% | 5,809 |
| Return on Equity (ROE) | 0.2080% | 5,899 |
| Retained earnings to average equity (ytd only) | 0.2080% | 5,467 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2778% | 1,231 |
| Assets per employee ($millions) | 6.3887% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.6069% | 1,965 |
| Net loans and leases to deposits | 92.0659% | 1,261 |
| Net loans and leases to core deposits | 109.5970% | 944 |
| Total domestic deposits to total assets | 78.8640% | 6,115 |
| Equity capital to assets | 17.2140% | 434 |
| Core capital (leverage) ratio | 17.2696% | 378 |
| Tier 1 risk-based capital ratio | 20.4837% | 1,403 |
| Total risk-based capital ratio | 21.6947% | 1,389 |
| Memoranda: | ||
| Average total assets | $88,929,000 | 5,322 |
| Average earning assets | $86,474,200 | 5,132 |
| Average equity | $17,792,400 | 3,460 |
| Average total loans | $65,869,200 | 4,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 4,011 |
| Cost of funding earning assets | 1.4577% | 3,230 |
| Net interest margin | 3.7078% | 4,366 |
| Noninterest income to average assets | 0.0436% | 7,306 |
| Noninterest expense to average assets | 3.2847% | 2,616 |
| Loan and lease loss provision to assets | 0.2476% | 4,610 |
| Net operating income to assets | 0.1043% | 5,764 |
| Return on assets (ROA) | 0.1043% | 5,909 |
| Pretax return on assets | 0.1043% | 5,903 |
| Return on Equity (ROE) | 0.5007% | 6,011 |
| Retained earnings to average equity (ytd only) | 0.5007% | 5,598 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3212% | 1,261 |
| Assets per employee ($millions) | 6.3343% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 4,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 68.0786% | 3,192 |
| Net loans and leases to deposits | 88.0625% | 2,000 |
| Net loans and leases to core deposits | 111.4131% | 962 |
| Total domestic deposits to total assets | 77.3071% | 6,420 |
| Equity capital to assets | 17.8265% | 427 |
| Core capital (leverage) ratio | 19.2914% | 282 |
| Tier 1 risk-based capital ratio | 22.5150% | 1,129 |
| Total risk-based capital ratio | 23.6439% | 1,121 |
| Memoranda: | ||
| Average total assets | $85,606,500 | 5,479 |
| Average earning assets | $82,957,750 | 5,307 |
| Average equity | $17,841,500 | 3,496 |
| Average total loans | $63,523,750 | 5,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 3,130 |
| Cost of funding earning assets | 1.5051% | 3,232 |
| Net interest margin | 3.8603% | 3,636 |
| Noninterest income to average assets | 0.0473% | 7,345 |
| Noninterest expense to average assets | 3.3699% | 2,345 |
| Loan and lease loss provision to assets | 0.2165% | 4,723 |
| Net operating income to assets | 0.2016% | 5,553 |
| Return on assets (ROA) | 0.2016% | 5,687 |
| Pretax return on assets | 0.2016% | 5,767 |
| Return on Equity (ROE) | 0.9118% | 5,976 |
| Retained earnings to average equity (ytd only) | 0.9118% | 5,400 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9619% | 1,421 |
| Assets per employee ($millions) | 5.9589% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 4,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 76.5559% | 1,379 |
| Net loans and leases to deposits | 104.7207% | 451 |
| Net loans and leases to core deposits | 148.9934% | 220 |
| Total domestic deposits to total assets | 73.1049% | 7,087 |
| Equity capital to assets | 21.5873% | 220 |
| Core capital (leverage) ratio | 20.9784% | 201 |
| Tier 1 risk-based capital ratio | 24.2071% | 925 |
| Total risk-based capital ratio | 25.3334% | 917 |
| Memoranda: | ||
| Average total assets | $80,359,000 | 5,690 |
| Average earning assets | $77,869,330 | 5,511 |
| Average equity | $17,766,330 | 3,496 |
| Average total loans | $61,385,330 | 5,115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2485% | 3,787 |
| Cost of funding earning assets | 1.4966% | 3,583 |
| Net interest margin | 3.7519% | 3,998 |
| Noninterest income to average assets | 0.0355% | 7,533 |
| Noninterest expense to average assets | 3.3491% | 2,377 |
| Loan and lease loss provision to assets | 0.1928% | 4,571 |
| Net operating income to assets | 0.1319% | 5,920 |
| Return on assets (ROA) | 0.1319% | 6,040 |
| Pretax return on assets | 0.1319% | 6,054 |
| Return on Equity (ROE) | 0.5894% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.5894% | 5,592 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1602% | 1,339 |
| Assets per employee ($millions) | 5.7791% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3449% | 4,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 74.5275% | 1,851 |
| Net loans and leases to deposits | 102.6227% | 609 |
| Net loans and leases to core deposits | 143.1474% | 292 |
| Total domestic deposits to total assets | 72.6229% | 7,203 |
| Equity capital to assets | 21.9672% | 209 |
| Core capital (leverage) ratio | 22.0283% | 185 |
| Tier 1 risk-based capital ratio | 25.3116% | 832 |
| Total risk-based capital ratio | 26.4307% | 823 |
| Memoranda: | ||
| Average total assets | $78,826,500 | 5,800 |
| Average earning assets | $76,441,500 | 5,624 |
| Average equity | $17,645,000 | 3,544 |
| Average total loans | $59,709,500 | 5,262 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3359% | 5,001 |
| Cost of funding earning assets | 1.4597% | 5,682 |
| Net interest margin | 3.8762% | 3,369 |
| Noninterest income to average assets | 0.0146% | 7,640 |
| Noninterest expense to average assets | 4.3334% | 950 |
| Loan and lease loss provision to assets | 0.4894% | 3,926 |
| Net operating income to assets | -1.0472% | 6,607 |
| Return on assets (ROA) | -1.0520% | 6,617 |
| Pretax return on assets | -1.0520% | 6,452 |
| Return on Equity (ROE) | -3.6981% | 6,080 |
| Retained earnings to average equity (ytd only) | -3.6981% | 5,823 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7717% | 690 |
| Assets per employee ($millions) | 5.4819% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3448% | 4,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 74.9420% | 2,045 |
| Net loans and leases to deposits | 104.9812% | 604 |
| Net loans and leases to core deposits | 134.1833% | 1,041 |
| Total domestic deposits to total assets | 71.3861% | 7,298 |
| Equity capital to assets | 22.8246% | 207 |
| Core capital (leverage) ratio | 23.1900% | 188 |
| Tier 1 risk-based capital ratio | 27.1738% | 693 |
| Total risk-based capital ratio | 28.3253% | 681 |
| Memoranda: | ||
| Average total assets | $61,499,200 | 6,296 |
| Average earning assets | $59,671,800 | 6,136 |
| Average equity | $17,495,600 | 3,584 |
| Average total loans | $46,562,400 | 5,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 5,512 |
| Cost of funding earning assets | 1.4598% | 5,999 |
| Net interest margin | 3.8245% | 3,557 |
| Noninterest income to average assets | 0.0116% | 7,800 |
| Noninterest expense to average assets | 4.7288% | 600 |
| Loan and lease loss provision to assets | 0.5085% | 3,351 |
| Net operating income to assets | -1.5139% | 7,123 |
| Return on assets (ROA) | -1.5208% | 7,122 |
| Pretax return on assets | -1.5208% | 6,975 |
| Return on Equity (ROE) | -5.0160% | 6,454 |
| Retained earnings to average equity (ytd only) | -5.0160% | 6,260 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0019% | 504 |
| Assets per employee ($millions) | 5.0301% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 72.8405% | 2,836 |
| Net loans and leases to deposits | 105.7803% | 661 |
| Net loans and leases to core deposits | 138.3995% | 992 |
| Total domestic deposits to total assets | 68.8601% | 7,502 |
| Equity capital to assets | 24.7014% | 179 |
| Core capital (leverage) ratio | 26.5727% | 153 |
| Tier 1 risk-based capital ratio | 30.4758% | 541 |
| Total risk-based capital ratio | 31.6358% | 533 |
| Memoranda: | ||
| Average total assets | $57,687,500 | 6,478 |
| Average earning assets | $55,988,000 | 6,336 |
| Average equity | $17,490,250 | 3,616 |
| Average total loans | $43,628,250 | 5,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2700% | 5,793 |
| Cost of funding earning assets | 1.5101% | 6,099 |
| Net interest margin | 3.7599% | 3,715 |
| Noninterest income to average assets | 0.0112% | 7,908 |
| Noninterest expense to average assets | 4.9548% | 527 |
| Loan and lease loss provision to assets | 0.6250% | 2,555 |
| Net operating income to assets | -1.9161% | 7,409 |
| Return on assets (ROA) | -1.9273% | 7,402 |
| Pretax return on assets | -1.9273% | 7,266 |
| Return on Equity (ROE) | -5.8783% | 6,695 |
| Retained earnings to average equity (ytd only) | -5.8783% | 6,430 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.2400% | 482 |
| Assets per employee ($millions) | 4.2216% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 3,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 80.1733% | 1,283 |
| Net loans and leases to deposits | 118.5548% | 264 |
| Net loans and leases to core deposits | 167.0863% | 357 |
| Total domestic deposits to total assets | 67.6255% | 7,645 |
| Equity capital to assets | 29.3120% | 143 |
| Core capital (leverage) ratio | 30.7494% | 133 |
| Tier 1 risk-based capital ratio | 34.7794% | 425 |
| Total risk-based capital ratio | 35.9989% | 418 |
| Memoranda: | ||
| Average total assets | $53,443,000 | 6,687 |
| Average earning assets | $51,916,670 | 6,558 |
| Average equity | $17,522,000 | 3,610 |
| Average total loans | $40,838,330 | 6,165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 6,878 |
| Cost of funding earning assets | 1.5469% | 6,246 |
| Net interest margin | 3.4744% | 4,830 |
| Noninterest income to average assets | 0.0079% | 8,024 |
| Noninterest expense to average assets | 4.7734% | 560 |
| Loan and lease loss provision to assets | 0.6243% | 2,022 |
| Net operating income to assets | -1.9995% | 7,660 |
| Return on assets (ROA) | -1.9995% | 7,658 |
| Pretax return on assets | -1.9995% | 7,534 |
| Return on Equity (ROE) | -5.7431% | 7,040 |
| Retained earnings to average equity (ytd only) | -5.7431% | 6,650 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.4651% | 407 |
| Assets per employee ($millions) | 3.6446% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 3,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 77.4228% | 1,945 |
| Net loans and leases to deposits | 119.1776% | 306 |
| Net loans and leases to core deposits | 172.1051% | 313 |
| Total domestic deposits to total assets | 64.9642% | 7,792 |
| Equity capital to assets | 34.3949% | 112 |
| Core capital (leverage) ratio | 34.4106% | 121 |
| Tier 1 risk-based capital ratio | 43.4084% | 272 |
| Total risk-based capital ratio | 44.6645% | 269 |
| Memoranda: | ||
| Average total assets | $50,613,500 | 6,839 |
| Average earning assets | $49,390,500 | 6,692 |
| Average equity | $17,621,000 | 3,621 |
| Average total loans | $37,241,000 | 6,368 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 8,112 |
| Cost of funding earning assets | 1.0085% | 8,052 |
| Net interest margin | 2.8921% | 7,170 |
| Noninterest income to average assets | 0.0028% | 8,096 |
| Noninterest expense to average assets | 7.0157% | 279 |
| Loan and lease loss provision to assets | 1.3597% | 1,030 |
| Net operating income to assets | -5.6193% | 8,128 |
| Return on assets (ROA) | -5.6249% | 8,118 |
| Pretax return on assets | -5.5629% | 8,067 |
| Return on Equity (ROE) | -11.0633% | 7,349 |
| Retained earnings to average equity (ytd only) | -11.0633% | 7,164 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 248.9489% | 140 |
| Assets per employee ($millions) | 3.5859% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 3,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.5929% | 4,536 |
| Net loans and leases to deposits | 119.8411% | 389 |
| Net loans and leases to core deposits | 147.0489% | 977 |
| Total domestic deposits to total assets | 56.4021% | 8,051 |
| Equity capital to assets | 35.2416% | 122 |
| Core capital (leverage) ratio | 40.6989% | 108 |
| Tier 1 risk-based capital ratio | 41.9083% | 298 |
| Total risk-based capital ratio | 43.0615% | 296 |
| Memoranda: | ||
| Average total assets | $35,449,250 | 7,406 |
| Average earning assets | $34,507,500 | 7,304 |
| Average equity | $18,023,500 | 3,552 |
| Average total loans | $20,165,500 | 7,323 |