Home > Foundations Bank > Performance and Condition Ratios
Foundations Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,510 |
| Cost of funding earning assets | 0.4571% | 2,559 |
| Net interest margin | 3.1959% | 4,639 |
| Noninterest income to average assets | 0.2121% | 5,321 |
| Noninterest expense to average assets | 2.2461% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4647% | 4,832 |
| Return on assets (ROA) | 0.4704% | 4,890 |
| Pretax return on assets | 0.7176% | 4,477 |
| Return on Equity (ROE) | 2.6097% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.6097% | 4,220 |
| Net charge-offs to loans | 0.3856% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.0034% | 3,795 |
| Efficiency ratio | 76.0119% | 2,269 |
| Assets per employee ($millions) | 6.6175% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0337% | 214 |
| Loan loss allowance to noncurrent loans | 139.5706% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0472% | 850 |
| Noncurrent loans to loans | 2.1736% | 925 |
| Net loans and leases to total assets | 57.8329% | 4,109 |
| Net loans and leases to deposits | 73.9131% | 3,506 |
| Net loans and leases to core deposits | 80.3987% | 3,302 |
| Total domestic deposits to total assets | 78.2444% | 5,115 |
| Equity capital to assets | 18.1281% | 305 |
| Core capital (leverage) ratio | 14.9519% | 627 |
| Tier 1 risk-based capital ratio | 21.9135% | 1,163 |
| Total risk-based capital ratio | 23.2251% | 1,132 |
| Memoranda: | ||
| Average total assets | $125,414,800 | 3,974 |
| Average earning assets | $107,636,400 | 4,101 |
| Average equity | $22,608,200 | 2,915 |
| Average total loans | $76,758,000 | 3,918 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7432% | 4,280 |
| Cost of funding earning assets | 0.4577% | 2,612 |
| Net interest margin | 3.2855% | 4,415 |
| Noninterest income to average assets | 0.2000% | 5,441 |
| Noninterest expense to average assets | 2.1691% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5414% | 4,624 |
| Return on assets (ROA) | 0.5489% | 4,697 |
| Pretax return on assets | 0.8680% | 4,099 |
| Return on Equity (ROE) | 3.0493% | 5,371 |
| Retained earnings to average equity (ytd only) | 3.0493% | 4,272 |
| Net charge-offs to loans | 0.2332% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.9628% | 3,126 |
| Efficiency ratio | 71.6948% | 2,931 |
| Assets per employee ($millions) | 6.5737% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3079% | 178 |
| Loan loss allowance to noncurrent loans | 140.5655% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.4588% | 1,544 |
| Noncurrent loans to loans | 2.3533% | 888 |
| Net loans and leases to total assets | 57.0092% | 4,244 |
| Net loans and leases to deposits | 73.0398% | 3,648 |
| Net loans and leases to core deposits | 79.5080% | 3,460 |
| Total domestic deposits to total assets | 78.0522% | 5,174 |
| Equity capital to assets | 18.3033% | 319 |
| Core capital (leverage) ratio | 14.8721% | 659 |
| Tier 1 risk-based capital ratio | 23.1386% | 1,038 |
| Total risk-based capital ratio | 24.4563% | 1,012 |
| Memoranda: | ||
| Average total assets | $125,335,250 | 4,015 |
| Average earning assets | $107,785,250 | 4,147 |
| Average equity | $22,562,000 | 2,935 |
| Average total loans | $77,200,000 | 3,943 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,259 |
| Cost of funding earning assets | 0.4505% | 2,722 |
| Net interest margin | 3.2938% | 4,327 |
| Noninterest income to average assets | 0.1721% | 5,671 |
| Noninterest expense to average assets | 2.1262% | 5,282 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5834% | 4,421 |
| Return on assets (ROA) | 0.5834% | 4,515 |
| Pretax return on assets | 0.9245% | 3,868 |
| Return on Equity (ROE) | 3.2588% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.2588% | 3,973 |
| Net charge-offs to loans | 0.3444% | 762 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.2963% | 3,063 |
| Efficiency ratio | 69.6970% | 3,385 |
| Assets per employee ($millions) | 6.8229% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1363% | 235 |
| Loan loss allowance to noncurrent loans | 202.8310% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 1.4021% | 1,787 |
| Noncurrent loans to loans | 1.5463% | 1,712 |
| Net loans and leases to total assets | 61.2603% | 3,659 |
| Net loans and leases to deposits | 78.6607% | 2,945 |
| Net loans and leases to core deposits | 86.0192% | 2,763 |
| Total domestic deposits to total assets | 77.8792% | 5,301 |
| Equity capital to assets | 18.4078% | 302 |
| Core capital (leverage) ratio | 14.8718% | 641 |
| Tier 1 risk-based capital ratio | 21.6912% | 1,248 |
| Total risk-based capital ratio | 23.0063% | 1,226 |
| Memoranda: | ||
| Average total assets | $125,480,000 | 4,047 |
| Average earning assets | $109,660,330 | 4,160 |
| Average equity | $22,462,330 | 2,956 |
| Average total loans | $78,386,330 | 3,934 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,558 |
| Cost of funding earning assets | 0.4544% | 2,728 |
| Net interest margin | 3.1883% | 4,652 |
| Noninterest income to average assets | 0.2145% | 5,416 |
| Noninterest expense to average assets | 1.9777% | 5,624 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6498% | 4,046 |
| Return on assets (ROA) | 0.6498% | 4,168 |
| Pretax return on assets | 1.0251% | 3,406 |
| Return on Equity (ROE) | 3.6802% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.6802% | 3,800 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8613% | 4,184 |
| Assets per employee ($millions) | 7.1245% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2360% | 229 |
| Loan loss allowance to noncurrent loans | 208.1781% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 2,258 |
| Noncurrent loans to loans | 1.5544% | 1,804 |
| Net loans and leases to total assets | 59.9496% | 3,660 |
| Net loans and leases to deposits | 76.0082% | 3,057 |
| Net loans and leases to core deposits | 83.0605% | 2,864 |
| Total domestic deposits to total assets | 78.8726% | 5,288 |
| Equity capital to assets | 17.6012% | 366 |
| Core capital (leverage) ratio | 14.3975% | 718 |
| Tier 1 risk-based capital ratio | 21.2160% | 1,377 |
| Total risk-based capital ratio | 22.5320% | 1,348 |
| Memoranda: | ||
| Average total assets | $126,814,000 | 4,048 |
| Average earning assets | $110,904,500 | 4,159 |
| Average equity | $22,390,000 | 2,984 |
| Average total loans | $78,744,000 | 3,941 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,392 |
| Cost of funding earning assets | 0.5675% | 2,067 |
| Net interest margin | 3.2622% | 4,711 |
| Noninterest income to average assets | 0.2833% | 5,093 |
| Noninterest expense to average assets | 2.3179% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 5.0936% | 41 |
| Return on assets (ROA) | 5.0936% | 40 |
| Pretax return on assets | 0.8167% | 4,200 |
| Return on Equity (ROE) | 32.0350% | 46 |
| Retained earnings to average equity (ytd only) | 32.0350% | 21 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9446% | 2,847 |
| Assets per employee ($millions) | 6.5993% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2946% | 215 |
| Loan loss allowance to noncurrent loans | 244.1595% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0703% | 2,605 |
| Noncurrent loans to loans | 1.3494% | 2,181 |
| Net loans and leases to total assets | 60.1865% | 3,767 |
| Net loans and leases to deposits | 76.4801% | 3,143 |
| Net loans and leases to core deposits | 82.8459% | 3,015 |
| Total domestic deposits to total assets | 78.6956% | 5,311 |
| Equity capital to assets | 17.7116% | 339 |
| Core capital (leverage) ratio | 13.5807% | 950 |
| Tier 1 risk-based capital ratio | 20.7455% | 1,455 |
| Total risk-based capital ratio | 22.0198% | 1,425 |
| Memoranda: | ||
| Average total assets | $123,173,600 | 4,117 |
| Average earning assets | $107,657,200 | 4,230 |
| Average equity | $19,584,800 | 3,201 |
| Average total loans | $77,671,000 | 3,941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 4,197 |
| Cost of funding earning assets | 0.6048% | 1,789 |
| Net interest margin | 3.2882% | 4,650 |
| Noninterest income to average assets | 0.2914% | 5,110 |
| Noninterest expense to average assets | 2.3291% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 6.6469% | 28 |
| Return on assets (ROA) | 6.6469% | 28 |
| Pretax return on assets | 0.8177% | 4,301 |
| Return on Equity (ROE) | 43.0581% | 23 |
| Retained earnings to average equity (ytd only) | 43.0581% | 12 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0152% | 2,819 |
| Assets per employee ($millions) | 6.1298% | 1,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2967% | 272 |
| Loan loss allowance to noncurrent loans | 239.1628% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 1.0596% | 2,840 |
| Noncurrent loans to loans | 1.3784% | 2,347 |
| Net loans and leases to total assets | 58.5872% | 3,990 |
| Net loans and leases to deposits | 73.8167% | 3,454 |
| Net loans and leases to core deposits | 81.1005% | 3,191 |
| Total domestic deposits to total assets | 79.3686% | 5,250 |
| Equity capital to assets | 17.0913% | 417 |
| Core capital (leverage) ratio | 13.0895% | 1,140 |
| Tier 1 risk-based capital ratio | 20.1360% | 1,641 |
| Total risk-based capital ratio | 21.4110% | 1,598 |
| Memoranda: | ||
| Average total assets | $122,620,250 | 4,166 |
| Average earning assets | $106,478,750 | 4,293 |
| Average equity | $18,929,000 | 3,310 |
| Average total loans | $77,579,500 | 3,975 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 4,128 |
| Cost of funding earning assets | 0.6259% | 1,675 |
| Net interest margin | 3.2761% | 4,678 |
| Noninterest income to average assets | 0.2985% | 5,023 |
| Noninterest expense to average assets | 2.4215% | 4,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 9.8404% | 17 |
| Return on assets (ROA) | 9.8404% | 17 |
| Pretax return on assets | 0.7679% | 4,391 |
| Return on Equity (ROE) | 66.2720% | 13 |
| Retained earnings to average equity (ytd only) | 66.2720% | 6 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9230% | 2,654 |
| Assets per employee ($millions) | 6.2545% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3168% | 273 |
| Loan loss allowance to noncurrent loans | 234.5803% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 2,860 |
| Noncurrent loans to loans | 1.4139% | 2,437 |
| Net loans and leases to total assets | 59.9121% | 3,729 |
| Net loans and leases to deposits | 75.9912% | 3,058 |
| Net loans and leases to core deposits | 81.3300% | 3,060 |
| Total domestic deposits to total assets | 78.8408% | 5,490 |
| Equity capital to assets | 17.4594% | 369 |
| Core capital (leverage) ratio | 14.1907% | 774 |
| Tier 1 risk-based capital ratio | 19.9639% | 1,693 |
| Total risk-based capital ratio | 21.2389% | 1,659 |
| Memoranda: | ||
| Average total assets | $120,585,000 | 4,224 |
| Average earning assets | $106,406,000 | 4,317 |
| Average equity | $17,905,000 | 3,429 |
| Average total loans | $77,443,330 | 3,990 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,147 |
| Cost of funding earning assets | 0.6431% | 1,630 |
| Net interest margin | 3.2413% | 4,775 |
| Noninterest income to average assets | 0.2772% | 5,154 |
| Noninterest expense to average assets | 2.4102% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8147% | 3,087 |
| Return on assets (ROA) | 0.8147% | 3,156 |
| Pretax return on assets | 0.8147% | 4,056 |
| Return on Equity (ROE) | 6.0486% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.0486% | 2,516 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7379% | 3,011 |
| Assets per employee ($millions) | 5.5830% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2881% | 330 |
| Loan loss allowance to noncurrent loans | 224.3455% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3476% | 2,622 |
| Noncurrent loans to loans | 1.4656% | 2,593 |
| Net loans and leases to total assets | 64.4999% | 2,811 |
| Net loans and leases to deposits | 76.7103% | 2,726 |
| Net loans and leases to core deposits | 81.5365% | 2,787 |
| Total domestic deposits to total assets | 84.0825% | 4,243 |
| Equity capital to assets | 13.7203% | 1,027 |
| Core capital (leverage) ratio | 13.1466% | 1,107 |
| Tier 1 risk-based capital ratio | 19.7031% | 1,790 |
| Total risk-based capital ratio | 20.9786% | 1,755 |
| Memoranda: | ||
| Average total assets | $118,332,500 | 4,308 |
| Average earning assets | $107,612,000 | 4,326 |
| Average equity | $15,937,500 | 3,711 |
| Average total loans | $77,407,500 | 4,015 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,569 |
| Cost of funding earning assets | 0.8978% | 746 |
| Net interest margin | 3.2446% | 4,850 |
| Noninterest income to average assets | 0.4661% | 3,987 |
| Noninterest expense to average assets | 2.8171% | 3,667 |
| Loan and lease loss provision to assets | 0.0770% | 3,568 |
| Net operating income to assets | 1.1017% | 1,930 |
| Return on assets (ROA) | 1.1017% | 1,994 |
| Pretax return on assets | 0.4167% | 5,452 |
| Return on Equity (ROE) | 10.5228% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.5228% | 483 |
| Net charge-offs to loans | 0.3470% | 1,948 |
| Credit loss provision to net charge-offs | 32.6460% | 4,192 |
| Earnings coverage of net charge-offs (x) | 2.0928% | 4,342 |
| Efficiency ratio | 85.0881% | 1,509 |
| Assets per employee ($millions) | 5.4283% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3554% | 326 |
| Loan loss allowance to noncurrent loans | 153.5842% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7652% | 2,100 |
| Noncurrent loans to loans | 2.1847% | 1,788 |
| Net loans and leases to total assets | 62.0082% | 3,360 |
| Net loans and leases to deposits | 73.2753% | 3,361 |
| Net loans and leases to core deposits | 77.8405% | 3,385 |
| Total domestic deposits to total assets | 84.6236% | 3,914 |
| Equity capital to assets | 13.2211% | 1,175 |
| Core capital (leverage) ratio | 12.6475% | 1,285 |
| Tier 1 risk-based capital ratio | 19.8259% | 1,694 |
| Total risk-based capital ratio | 21.1015% | 1,659 |
| Memoranda: | ||
| Average total assets | $123,353,000 | 4,207 |
| Average earning assets | $108,150,400 | 4,306 |
| Average equity | $12,914,800 | 4,283 |
| Average total loans | $83,871,000 | 3,829 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 3,150 |
| Cost of funding earning assets | 0.9703% | 570 |
| Net interest margin | 3.2922% | 4,671 |
| Noninterest income to average assets | 0.5094% | 3,741 |
| Noninterest expense to average assets | 2.8513% | 3,480 |
| Loan and lease loss provision to assets | 0.1019% | 3,066 |
| Net operating income to assets | 0.2895% | 5,652 |
| Return on assets (ROA) | 0.2895% | 5,758 |
| Pretax return on assets | 0.4086% | 5,604 |
| Return on Equity (ROE) | 2.9516% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.9516% | 4,559 |
| Net charge-offs to loans | 0.4544% | 1,412 |
| Credit loss provision to net charge-offs | 32.5342% | 3,845 |
| Earnings coverage of net charge-offs (x) | 1.6302% | 4,295 |
| Efficiency ratio | 84.8166% | 1,498 |
| Assets per employee ($millions) | 5.6950% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3328% | 399 |
| Loan loss allowance to noncurrent loans | 130.9221% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 2.6978% | 1,397 |
| Noncurrent loans to loans | 2.5456% | 1,693 |
| Net loans and leases to total assets | 59.4968% | 3,777 |
| Net loans and leases to deposits | 69.0603% | 3,926 |
| Net loans and leases to core deposits | 75.0934% | 3,720 |
| Total domestic deposits to total assets | 86.1520% | 3,166 |
| Equity capital to assets | 11.7712% | 2,065 |
| Core capital (leverage) ratio | 12.1086% | 1,609 |
| Tier 1 risk-based capital ratio | 19.0708% | 1,971 |
| Total risk-based capital ratio | 20.3467% | 1,927 |
| Memoranda: | ||
| Average total assets | $124,335,500 | 4,217 |
| Average earning assets | $107,728,250 | 4,364 |
| Average equity | $12,196,250 | 4,461 |
| Average total loans | $85,683,000 | 3,819 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 2,245 |
| Cost of funding earning assets | 1.0999% | 340 |
| Net interest margin | 3.3874% | 4,236 |
| Noninterest income to average assets | 0.2725% | 5,501 |
| Noninterest expense to average assets | 2.8867% | 3,372 |
| Loan and lease loss provision to assets | 0.1532% | 2,401 |
| Net operating income to assets | 0.0661% | 6,209 |
| Return on assets (ROA) | 0.0661% | 6,288 |
| Pretax return on assets | 0.0984% | 6,233 |
| Return on Equity (ROE) | 0.7227% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.7227% | 5,609 |
| Net charge-offs to loans | 0.5489% | 1,200 |
| Credit loss provision to net charge-offs | 39.0947% | 3,435 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 4,309 |
| Efficiency ratio | 91.9836% | 893 |
| Assets per employee ($millions) | 5.3735% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1186% | 516 |
| Loan loss allowance to noncurrent loans | 125.8530% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 3.5460% | 1,070 |
| Noncurrent loans to loans | 2.4780% | 1,880 |
| Net loans and leases to total assets | 68.8234% | 2,089 |
| Net loans and leases to deposits | 80.5778% | 2,241 |
| Net loans and leases to core deposits | 88.6536% | 2,041 |
| Total domestic deposits to total assets | 85.4124% | 3,686 |
| Equity capital to assets | 12.3679% | 1,661 |
| Core capital (leverage) ratio | 11.5639% | 1,883 |
| Tier 1 risk-based capital ratio | 17.5989% | 2,478 |
| Total risk-based capital ratio | 18.8726% | 2,433 |
| Memoranda: | ||
| Average total assets | $124,017,670 | 4,257 |
| Average earning assets | $104,919,330 | 4,460 |
| Average equity | $11,345,670 | 4,651 |
| Average total loans | $88,539,670 | 3,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,974 |
| Cost of funding earning assets | 1.1555% | 281 |
| Net interest margin | 3.3986% | 4,125 |
| Noninterest income to average assets | 0.2521% | 5,656 |
| Noninterest expense to average assets | 2.7640% | 3,818 |
| Loan and lease loss provision to assets | 0.2994% | 1,163 |
| Net operating income to assets | 0.0252% | 6,301 |
| Return on assets (ROA) | 0.0252% | 6,381 |
| Pretax return on assets | 0.0252% | 6,374 |
| Return on Equity (ROE) | 0.3296% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.3296% | 5,681 |
| Net charge-offs to loans | -0.1542% | 6,612 |
| Credit loss provision to net charge-offs | -271.4286% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4898% | 1,188 |
| Assets per employee ($millions) | 6.3477% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2039% | 543 |
| Loan loss allowance to noncurrent loans | 93.5421% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8014% | 1,086 |
| Noncurrent loans to loans | 3.4251% | 1,404 |
| Net loans and leases to total assets | 68.9428% | 1,852 |
| Net loans and leases to deposits | 77.6647% | 2,388 |
| Net loans and leases to core deposits | 89.5259% | 1,751 |
| Total domestic deposits to total assets | 88.7699% | 1,820 |
| Equity capital to assets | 7.6414% | 6,545 |
| Core capital (leverage) ratio | 7.3891% | 6,509 |
| Tier 1 risk-based capital ratio | 10.4614% | 6,589 |
| Total risk-based capital ratio | 11.7357% | 6,565 |
| Memoranda: | ||
| Average total assets | $126,918,000 | 4,245 |
| Average earning assets | $105,927,500 | 4,476 |
| Average equity | $9,708,000 | 5,064 |
| Average total loans | $90,819,500 | 3,727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7331% | 2,456 |
| Cost of funding earning assets | 1.5821% | 115 |
| Net interest margin | 3.1510% | 5,688 |
| Noninterest income to average assets | 0.0594% | 6,659 |
| Noninterest expense to average assets | 2.3601% | 5,527 |
| Loan and lease loss provision to assets | 0.6843% | 768 |
| Net operating income to assets | -0.3163% | 6,457 |
| Return on assets (ROA) | -0.1383% | 6,412 |
| Pretax return on assets | -0.1383% | 6,390 |
| Return on Equity (ROE) | -2.0006% | 6,453 |
| Retained earnings to average equity (ytd only) | -2.0006% | 6,157 |
| Net charge-offs to loans | 1.7056% | 486 |
| Credit loss provision to net charge-offs | 56.5167% | 4,536 |
| Earnings coverage of net charge-offs (x) | 0.3039% | 5,325 |
| Efficiency ratio | 86.5114% | 1,380 |
| Assets per employee ($millions) | 6.3442% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0334% | 640 |
| Loan loss allowance to noncurrent loans | 89.2005% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 5.4546% | 682 |
| Noncurrent loans to loans | 3.4007% | 1,479 |
| Net loans and leases to total assets | 69.7099% | 1,899 |
| Net loans and leases to deposits | 78.5168% | 2,462 |
| Net loans and leases to core deposits | 90.1686% | 1,815 |
| Total domestic deposits to total assets | 88.7834% | 1,709 |
| Equity capital to assets | 7.6567% | 6,568 |
| Core capital (leverage) ratio | 7.1854% | 6,642 |
| Tier 1 risk-based capital ratio | 10.3077% | 6,615 |
| Total risk-based capital ratio | 11.5787% | 6,572 |
| Memoranda: | ||
| Average total assets | $143,211,400 | 3,891 |
| Average earning assets | $121,294,800 | 4,084 |
| Average equity | $9,897,200 | 4,999 |
| Average total loans | $101,664,800 | 3,477 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 2,949 |
| Cost of funding earning assets | 1.6551% | 103 |
| Net interest margin | 3.0083% | 6,155 |
| Noninterest income to average assets | 0.0027% | 6,928 |
| Noninterest expense to average assets | 2.3028% | 5,671 |
| Loan and lease loss provision to assets | 0.6155% | 873 |
| Net operating income to assets | -0.3539% | 6,619 |
| Return on assets (ROA) | -0.1819% | 6,559 |
| Pretax return on assets | -0.1819% | 6,534 |
| Return on Equity (ROE) | -2.6953% | 6,608 |
| Retained earnings to average equity (ytd only) | -2.6953% | 6,458 |
| Net charge-offs to loans | 2.2197% | 306 |
| Credit loss provision to net charge-offs | 39.1705% | 4,633 |
| Earnings coverage of net charge-offs (x) | 0.1665% | 5,248 |
| Efficiency ratio | 89.7988% | 1,056 |
| Assets per employee ($millions) | 7.1925% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 1,161 |
| Loan loss allowance to noncurrent loans | 125.7653% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 4.3108% | 1,086 |
| Noncurrent loans to loans | 2.0189% | 2,825 |
| Net loans and leases to total assets | 69.2383% | 2,062 |
| Net loans and leases to deposits | 77.3252% | 2,757 |
| Net loans and leases to core deposits | 95.6985% | 1,430 |
| Total domestic deposits to total assets | 89.5417% | 1,100 |
| Equity capital to assets | 7.1800% | 6,851 |
| Core capital (leverage) ratio | 6.8803% | 6,821 |
| Tier 1 risk-based capital ratio | 10.0069% | 6,800 |
| Total risk-based capital ratio | 11.2737% | 6,774 |
| Memoranda: | ||
| Average total assets | $147,293,500 | 3,860 |
| Average earning assets | $125,426,000 | 4,032 |
| Average equity | $9,942,750 | 5,035 |
| Average total loans | $104,276,750 | 3,450 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,803 |
| Cost of funding earning assets | 1.7791% | 74 |
| Net interest margin | 2.9509% | 6,340 |
| Noninterest income to average assets | -0.1366% | 7,113 |
| Noninterest expense to average assets | 2.3442% | 5,628 |
| Loan and lease loss provision to assets | 0.5304% | 1,183 |
| Net operating income to assets | -0.5304% | 6,748 |
| Return on assets (ROA) | -0.2784% | 6,662 |
| Pretax return on assets | -0.2784% | 6,626 |
| Return on Equity (ROE) | -4.2057% | 6,733 |
| Retained earnings to average equity (ytd only) | -4.2057% | 6,566 |
| Net charge-offs to loans | 3.2229% | 174 |
| Credit loss provision to net charge-offs | 23.2693% | 4,556 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,078 |
| Efficiency ratio | 100.0000% | 559 |
| Assets per employee ($millions) | 6.1491% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1835% | 1,812 |
| Loan loss allowance to noncurrent loans | 109.3890% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 4.4715% | 1,114 |
| Noncurrent loans to loans | 1.9961% | 2,951 |
| Net loans and leases to total assets | 69.7497% | 1,966 |
| Net loans and leases to deposits | 77.6058% | 2,731 |
| Net loans and leases to core deposits | 94.2610% | 1,576 |
| Total domestic deposits to total assets | 89.8770% | 997 |
| Equity capital to assets | 6.9229% | 6,923 |
| Core capital (leverage) ratio | 6.5104% | 6,926 |
| Tier 1 risk-based capital ratio | 9.3314% | 6,948 |
| Total risk-based capital ratio | 10.5925% | 6,944 |
| Memoranda: | ||
| Average total assets | $150,839,000 | 3,826 |
| Average earning assets | $126,808,670 | 4,017 |
| Average equity | $9,986,330 | 5,035 |
| Average total loans | $106,674,330 | 3,409 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6687% | 3,173 |
| Cost of funding earning assets | 1.8803% | 64 |
| Net interest margin | 2.7884% | 6,654 |
| Noninterest income to average assets | 0.3215% | 5,301 |
| Noninterest expense to average assets | 2.2733% | 5,844 |
| Loan and lease loss provision to assets | 0.3857% | 1,631 |
| Net operating income to assets | 0.0077% | 6,400 |
| Return on assets (ROA) | 0.0077% | 6,508 |
| Pretax return on assets | 0.0077% | 6,512 |
| Return on Equity (ROE) | 0.1190% | 6,502 |
| Retained earnings to average equity (ytd only) | 0.1190% | 5,940 |
| Net charge-offs to loans | 2.0769% | 444 |
| Credit loss provision to net charge-offs | 26.3620% | 3,684 |
| Earnings coverage of net charge-offs (x) | 0.2689% | 4,226 |
| Efficiency ratio | 85.2459% | 1,555 |
| Assets per employee ($millions) | 6.6610% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8710% | 937 |
| Loan loss allowance to noncurrent loans | 73.5245% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 7.0729% | 598 |
| Noncurrent loans to loans | 3.9049% | 1,578 |
| Net loans and leases to total assets | 68.4989% | 2,024 |
| Net loans and leases to deposits | 76.5566% | 2,719 |
| Net loans and leases to core deposits | 94.5185% | 1,417 |
| Total domestic deposits to total assets | 89.4748% | 1,387 |
| Equity capital to assets | 6.5925% | 6,996 |
| Core capital (leverage) ratio | 6.2291% | 7,010 |
| Tier 1 risk-based capital ratio | 8.8795% | 7,043 |
| Total risk-based capital ratio | 10.1485% | 7,044 |
| Memoranda: | ||
| Average total assets | $155,543,500 | 3,769 |
| Average earning assets | $130,828,500 | 3,975 |
| Average equity | $10,084,000 | 5,024 |
| Average total loans | $109,587,000 | 3,359 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7604% | 3,981 |
| Cost of funding earning assets | 2.0236% | 86 |
| Net interest margin | 2.7368% | 6,898 |
| Noninterest income to average assets | 0.0586% | 6,806 |
| Noninterest expense to average assets | 2.6311% | 4,984 |
| Loan and lease loss provision to assets | 3.5355% | 79 |
| Net operating income to assets | -5.2057% | 7,311 |
| Return on assets (ROA) | -5.2057% | 7,314 |
| Pretax return on assets | -3.7788% | 7,256 |
| Return on Equity (ROE) | -65.2186% | 7,262 |
| Retained earnings to average equity (ytd only) | -65.2186% | 7,262 |
| Net charge-offs to loans | 5.0413% | 82 |
| Credit loss provision to net charge-offs | 97.4254% | 3,693 |
| Earnings coverage of net charge-offs (x) | -0.0670% | 5,875 |
| Efficiency ratio | 110.1875% | 436 |
| Assets per employee ($millions) | 7.1765% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1684% | 701 |
| Loan loss allowance to noncurrent loans | 61.5237% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 6.5333% | 721 |
| Noncurrent loans to loans | 5.1499% | 1,079 |
| Net loans and leases to total assets | 68.1568% | 2,369 |
| Net loans and leases to deposits | 74.8885% | 3,365 |
| Net loans and leases to core deposits | 96.6403% | 1,441 |
| Total domestic deposits to total assets | 91.0111% | 505 |
| Equity capital to assets | 6.3769% | 7,054 |
| Core capital (leverage) ratio | 5.8653% | 7,068 |
| Tier 1 risk-based capital ratio | 8.7900% | 7,054 |
| Total risk-based capital ratio | 10.0631% | 7,054 |
| Memoranda: | ||
| Average total assets | $180,878,200 | 3,320 |
| Average earning assets | $153,937,200 | 3,512 |
| Average equity | $14,437,600 | 4,023 |
| Average total loans | $130,203,600 | 2,977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 4,314 |
| Cost of funding earning assets | 2.0310% | 106 |
| Net interest margin | 2.7008% | 6,990 |
| Noninterest income to average assets | -0.0479% | 7,160 |
| Noninterest expense to average assets | 2.7762% | 4,434 |
| Loan and lease loss provision to assets | 3.6971% | 74 |
| Net operating income to assets | -4.2344% | 7,344 |
| Return on assets (ROA) | -4.2344% | 7,350 |
| Pretax return on assets | -4.2136% | 7,347 |
| Return on Equity (ROE) | -50.8852% | 7,296 |
| Retained earnings to average equity (ytd only) | -50.8852% | 7,291 |
| Net charge-offs to loans | 4.5727% | 118 |
| Credit loss provision to net charge-offs | 111.7952% | 2,931 |
| Earnings coverage of net charge-offs (x) | -0.1562% | 5,698 |
| Efficiency ratio | 122.8580% | 278 |
| Assets per employee ($millions) | 7.8001% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4525% | 590 |
| Loan loss allowance to noncurrent loans | 71.0142% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 6.0745% | 876 |
| Noncurrent loans to loans | 4.8618% | 1,308 |
| Net loans and leases to total assets | 69.0295% | 2,267 |
| Net loans and leases to deposits | 78.2120% | 2,943 |
| Net loans and leases to core deposits | 99.4501% | 1,302 |
| Total domestic deposits to total assets | 88.2595% | 1,893 |
| Equity capital to assets | 7.8886% | 6,761 |
| Core capital (leverage) ratio | 6.1976% | 7,113 |
| Tier 1 risk-based capital ratio | 8.8304% | 7,131 |
| Total risk-based capital ratio | 10.1079% | 7,132 |
| Memoranda: | ||
| Average total assets | $186,627,000 | 3,252 |
| Average earning assets | $159,457,250 | 3,437 |
| Average equity | $15,530,000 | 3,820 |
| Average total loans | $134,972,250 | 2,923 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 4,920 |
| Cost of funding earning assets | 2.0349% | 129 |
| Net interest margin | 2.5768% | 7,135 |
| Noninterest income to average assets | -0.2348% | 7,351 |
| Noninterest expense to average assets | 3.0809% | 3,328 |
| Loan and lease loss provision to assets | 5.2182% | 46 |
| Net operating income to assets | -6.3506% | 7,469 |
| Return on assets (ROA) | -6.3506% | 7,471 |
| Pretax return on assets | -6.3203% | 7,468 |
| Return on Equity (ROE) | -75.1498% | 7,415 |
| Retained earnings to average equity (ytd only) | -75.1498% | 7,412 |
| Net charge-offs to loans | 6.6501% | 64 |
| Credit loss provision to net charge-offs | 108.1315% | 2,832 |
| Earnings coverage of net charge-offs (x) | -0.2284% | 5,419 |
| Efficiency ratio | 155.6962% | 131 |
| Assets per employee ($millions) | 8.1651% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0766% | 833 |
| Loan loss allowance to noncurrent loans | 60.1657% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 6.2689% | 875 |
| Noncurrent loans to loans | 5.1135% | 1,266 |
| Net loans and leases to total assets | 71.3087% | 1,936 |
| Net loans and leases to deposits | 80.1785% | 2,757 |
| Net loans and leases to core deposits | 103.6896% | 1,060 |
| Total domestic deposits to total assets | 88.9374% | 1,574 |
| Equity capital to assets | 7.4040% | 6,993 |
| Core capital (leverage) ratio | 5.7197% | 7,235 |
| Tier 1 risk-based capital ratio | 7.8042% | 7,258 |
| Total risk-based capital ratio | 9.0758% | 7,262 |
| Memoranda: | ||
| Average total assets | $191,635,330 | 3,201 |
| Average earning assets | $164,625,330 | 3,360 |
| Average equity | $16,194,330 | 3,698 |
| Average total loans | $139,065,670 | 2,866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6322% | 4,812 |
| Cost of funding earning assets | 2.0144% | 158 |
| Net interest margin | 2.6178% | 7,109 |
| Noninterest income to average assets | 0.0567% | 7,107 |
| Noninterest expense to average assets | 2.7080% | 4,809 |
| Loan and lease loss provision to assets | 5.6670% | 48 |
| Net operating income to assets | -6.0616% | 7,507 |
| Return on assets (ROA) | -6.0616% | 7,508 |
| Pretax return on assets | -6.0616% | 7,503 |
| Return on Equity (ROE) | -67.9081% | 7,463 |
| Retained earnings to average equity (ytd only) | -67.9081% | 7,455 |
| Net charge-offs to loans | 1.3753% | 1,001 |
| Credit loss provision to net charge-offs | 571.4286% | 651 |
| Earnings coverage of net charge-offs (x) | -0.3980% | 4,764 |
| Efficiency ratio | 117.0604% | 382 |
| Assets per employee ($millions) | 8.7283% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3981% | 310 |
| Loan loss allowance to noncurrent loans | 107.7780% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 8.0631% | 588 |
| Noncurrent loans to loans | 4.0807% | 1,767 |
| Net loans and leases to total assets | 67.9210% | 2,563 |
| Net loans and leases to deposits | 77.8084% | 3,093 |
| Net loans and leases to core deposits | 100.4715% | 1,302 |
| Total domestic deposits to total assets | 87.2927% | 2,767 |
| Equity capital to assets | 8.4698% | 5,954 |
| Core capital (leverage) ratio | 6.8264% | 7,071 |
| Tier 1 risk-based capital ratio | 9.0489% | 7,215 |
| Total risk-based capital ratio | 10.3327% | 7,220 |
| Memoranda: | ||
| Average total assets | $197,636,500 | 3,148 |
| Average earning assets | $170,373,500 | 3,298 |
| Average equity | $17,641,500 | 3,464 |
| Average total loans | $142,518,500 | 2,833 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 4,990 |
| Cost of funding earning assets | 2.1728% | 334 |
| Net interest margin | 2.7354% | 7,097 |
| Noninterest income to average assets | 0.3411% | 5,353 |
| Noninterest expense to average assets | 2.6665% | 5,145 |
| Loan and lease loss provision to assets | 2.6195% | 414 |
| Net operating income to assets | -2.1039% | 7,084 |
| Return on assets (ROA) | -1.9055% | 7,045 |
| Pretax return on assets | -2.2291% | 7,095 |
| Return on Equity (ROE) | -23.8194% | 7,107 |
| Retained earnings to average equity (ytd only) | -23.8194% | 7,087 |
| Net charge-offs to loans | 3.6582% | 376 |
| Credit loss provision to net charge-offs | 96.3101% | 4,824 |
| Earnings coverage of net charge-offs (x) | 0.0577% | 6,056 |
| Efficiency ratio | 94.4399% | 1,042 |
| Assets per employee ($millions) | 8.1300% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4830% | 1,430 |
| Loan loss allowance to noncurrent loans | 40.1305% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 7.6423% | 672 |
| Noncurrent loans to loans | 6.1872% | 993 |
| Net loans and leases to total assets | 71.3028% | 2,236 |
| Net loans and leases to deposits | 82.7469% | 2,674 |
| Net loans and leases to core deposits | 106.5242% | 1,154 |
| Total domestic deposits to total assets | 86.1697% | 3,269 |
| Equity capital to assets | 9.3574% | 4,605 |
| Core capital (leverage) ratio | 7.8151% | 6,420 |
| Tier 1 risk-based capital ratio | 10.1673% | 6,895 |
| Total risk-based capital ratio | 11.4303% | 6,862 |
| Memoranda: | ||
| Average total assets | $217,216,000 | 2,905 |
| Average earning assets | $197,120,000 | 2,913 |
| Average equity | $17,376,600 | 3,524 |
| Average total loans | $161,501,600 | 2,597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 5,489 |
| Cost of funding earning assets | 2.1803% | 402 |
| Net interest margin | 2.6649% | 7,266 |
| Noninterest income to average assets | 0.4162% | 4,827 |
| Noninterest expense to average assets | 2.7257% | 4,772 |
| Loan and lease loss provision to assets | 3.2664% | 241 |
| Net operating income to assets | -2.7205% | 7,395 |
| Return on assets (ROA) | -2.7070% | 7,413 |
| Pretax return on assets | -3.1317% | 7,450 |
| Return on Equity (ROE) | -35.2147% | 7,452 |
| Retained earnings to average equity (ytd only) | -35.2147% | 7,449 |
| Net charge-offs to loans | 3.1689% | 466 |
| Credit loss provision to net charge-offs | 138.1098% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.0503% | 5,976 |
| Efficiency ratio | 95.8165% | 912 |
| Assets per employee ($millions) | 8.4232% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4903% | 543 |
| Loan loss allowance to noncurrent loans | 55.5441% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 7.3468% | 723 |
| Noncurrent loans to loans | 6.2838% | 964 |
| Net loans and leases to total assets | 70.9067% | 2,513 |
| Net loans and leases to deposits | 81.0857% | 3,249 |
| Net loans and leases to core deposits | 106.6932% | 1,265 |
| Total domestic deposits to total assets | 87.4466% | 2,290 |
| Equity capital to assets | 7.1602% | 7,285 |
| Core capital (leverage) ratio | 5.8490% | 7,453 |
| Tier 1 risk-based capital ratio | 7.4976% | 7,516 |
| Total risk-based capital ratio | 8.7722% | 7,516 |
| Memoranda: | ||
| Average total assets | $220,707,500 | 2,904 |
| Average earning assets | $201,132,000 | 2,900 |
| Average equity | $16,966,000 | 3,643 |
| Average total loans | $164,723,750 | 2,592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8231% | 5,709 |
| Cost of funding earning assets | 2.1801% | 498 |
| Net interest margin | 2.6430% | 7,310 |
| Noninterest income to average assets | 0.4543% | 4,477 |
| Noninterest expense to average assets | 2.9177% | 4,010 |
| Loan and lease loss provision to assets | 2.2447% | 529 |
| Net operating income to assets | -1.4607% | 7,139 |
| Return on assets (ROA) | -1.4459% | 7,141 |
| Pretax return on assets | -2.2590% | 7,310 |
| Return on Equity (ROE) | -18.4140% | 7,239 |
| Retained earnings to average equity (ytd only) | -18.4140% | 7,212 |
| Net charge-offs to loans | 0.5867% | 2,769 |
| Credit loss provision to net charge-offs | 510.1420% | 724 |
| Earnings coverage of net charge-offs (x) | -0.0852% | 5,788 |
| Efficiency ratio | 101.3015% | 760 |
| Assets per employee ($millions) | 8.5877% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6088% | 508 |
| Loan loss allowance to noncurrent loans | 57.9781% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 7.4511% | 682 |
| Noncurrent loans to loans | 6.2244% | 1,002 |
| Net loans and leases to total assets | 73.7756% | 1,961 |
| Net loans and leases to deposits | 84.9906% | 2,706 |
| Net loans and leases to core deposits | 111.7082% | 1,049 |
| Total domestic deposits to total assets | 86.8044% | 2,644 |
| Equity capital to assets | 7.7431% | 6,967 |
| Core capital (leverage) ratio | 6.2850% | 7,431 |
| Tier 1 risk-based capital ratio | 7.9533% | 7,524 |
| Total risk-based capital ratio | 9.2298% | 7,531 |
| Memoranda: | ||
| Average total assets | $224,083,000 | 2,882 |
| Average earning assets | $205,675,330 | 2,865 |
| Average equity | $17,595,330 | 3,533 |
| Average total loans | $168,059,670 | 2,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 5,645 |
| Cost of funding earning assets | 2.1870% | 612 |
| Net interest margin | 2.6726% | 7,325 |
| Noninterest income to average assets | 0.5333% | 3,788 |
| Noninterest expense to average assets | 3.2451% | 2,718 |
| Loan and lease loss provision to assets | 0.2623% | 3,942 |
| Net operating income to assets | -0.3042% | 6,672 |
| Return on assets (ROA) | -0.3042% | 6,726 |
| Pretax return on assets | -0.5105% | 6,795 |
| Return on Equity (ROE) | -3.8493% | 6,813 |
| Retained earnings to average equity (ytd only) | -3.8493% | 6,481 |
| Net charge-offs to loans | 0.0847% | 4,578 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | -3.9444% | 5,517 |
| Efficiency ratio | 108.2847% | 636 |
| Assets per employee ($millions) | 7.7341% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4247% | 1,395 |
| Loan loss allowance to noncurrent loans | 44.9687% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 6.5897% | 860 |
| Noncurrent loans to loans | 5.3919% | 1,309 |
| Net loans and leases to total assets | 72.1633% | 2,412 |
| Net loans and leases to deposits | 83.1454% | 3,082 |
| Net loans and leases to core deposits | 109.9835% | 1,269 |
| Total domestic deposits to total assets | 86.7917% | 2,738 |
| Equity capital to assets | 8.0307% | 6,617 |
| Core capital (leverage) ratio | 7.1288% | 7,157 |
| Tier 1 risk-based capital ratio | 9.1906% | 7,433 |
| Total risk-based capital ratio | 10.4528% | 7,430 |
| Memoranda: | ||
| Average total assets | $228,778,000 | 2,889 |
| Average earning assets | $210,879,000 | 2,866 |
| Average equity | $18,081,000 | 3,465 |
| Average total loans | $169,929,000 | 2,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5816% | 3,697 |
| Cost of funding earning assets | 2.6006% | 776 |
| Net interest margin | 2.9810% | 6,695 |
| Noninterest income to average assets | 0.7218% | 2,841 |
| Noninterest expense to average assets | 2.5498% | 5,954 |
| Loan and lease loss provision to assets | 1.9012% | 1,172 |
| Net operating income to assets | -0.5908% | 6,258 |
| Return on assets (ROA) | -0.5151% | 6,188 |
| Pretax return on assets | -0.9128% | 6,350 |
| Return on Equity (ROE) | -6.0424% | 6,306 |
| Retained earnings to average equity (ytd only) | -6.0424% | 6,149 |
| Net charge-offs to loans | 1.0246% | 2,362 |
| Credit loss provision to net charge-offs | 230.7263% | 1,592 |
| Earnings coverage of net charge-offs (x) | 1.0559% | 5,058 |
| Efficiency ratio | 74.5592% | 3,789 |
| Assets per employee ($millions) | 7.7755% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2462% | 1,570 |
| Loan loss allowance to noncurrent loans | 83.8267% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 4.5343% | 1,423 |
| Noncurrent loans to loans | 2.6796% | 2,864 |
| Net loans and leases to total assets | 72.9095% | 2,530 |
| Net loans and leases to deposits | 84.1263% | 3,233 |
| Net loans and leases to core deposits | 105.3645% | 3,411 |
| Total domestic deposits to total assets | 86.6667% | 2,669 |
| Equity capital to assets | 7.7808% | 6,787 |
| Core capital (leverage) ratio | 7.3594% | 6,926 |
| Tier 1 risk-based capital ratio | 8.8836% | 7,514 |
| Total risk-based capital ratio | 10.1439% | 7,532 |
| Memoranda: | ||
| Average total assets | $217,232,800 | 2,979 |
| Average earning assets | $196,611,800 | 3,016 |
| Average equity | $18,519,200 | 3,421 |
| Average total loans | $174,708,800 | 2,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7017% | 3,331 |
| Cost of funding earning assets | 2.6794% | 838 |
| Net interest margin | 3.0223% | 6,543 |
| Noninterest income to average assets | 0.6003% | 3,697 |
| Noninterest expense to average assets | 2.7932% | 4,926 |
| Loan and lease loss provision to assets | 2.5556% | 646 |
| Net operating income to assets | -1.3423% | 7,037 |
| Return on assets (ROA) | -1.2362% | 6,985 |
| Pretax return on assets | -1.8647% | 7,120 |
| Return on Equity (ROE) | -14.1629% | 7,143 |
| Retained earnings to average equity (ytd only) | -14.1629% | 7,084 |
| Net charge-offs to loans | 1.3540% | 1,521 |
| Credit loss provision to net charge-offs | 230.1239% | 1,896 |
| Earnings coverage of net charge-offs (x) | 0.4775% | 5,551 |
| Efficiency ratio | 84.0452% | 2,291 |
| Assets per employee ($millions) | 6.7417% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1648% | 1,485 |
| Loan loss allowance to noncurrent loans | 163.8091% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 3.7658% | 1,722 |
| Noncurrent loans to loans | 1.3215% | 4,726 |
| Net loans and leases to total assets | 78.7999% | 1,423 |
| Net loans and leases to deposits | 91.3035% | 2,344 |
| Net loans and leases to core deposits | 112.6693% | 2,963 |
| Total domestic deposits to total assets | 86.3054% | 2,537 |
| Equity capital to assets | 7.7559% | 7,086 |
| Core capital (leverage) ratio | 6.9789% | 7,450 |
| Tier 1 risk-based capital ratio | 7.9123% | 7,805 |
| Total risk-based capital ratio | 9.1715% | 7,816 |
| Memoranda: | ||
| Average total assets | $213,224,500 | 3,051 |
| Average earning assets | $192,125,500 | 3,090 |
| Average equity | $18,611,500 | 3,433 |
| Average total loans | $174,890,750 | 2,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 3,544 |
| Cost of funding earning assets | 2.6813% | 1,073 |
| Net interest margin | 3.0172% | 6,493 |
| Noninterest income to average assets | 0.4625% | 4,762 |
| Noninterest expense to average assets | 2.7553% | 5,154 |
| Loan and lease loss provision to assets | 0.2455% | 4,617 |
| Net operating income to assets | 0.1434% | 5,436 |
| Return on assets (ROA) | 0.3122% | 4,954 |
| Pretax return on assets | 0.4502% | 4,787 |
| Return on Equity (ROE) | 3.4411% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.4411% | 3,405 |
| Net charge-offs to loans | 0.0530% | 5,748 |
| Credit loss provision to net charge-offs | 560.8696% | 828 |
| Earnings coverage of net charge-offs (x) | 10.3043% | 2,010 |
| Efficiency ratio | 85.9305% | 2,238 |
| Assets per employee ($millions) | 7.4218% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 6,229 |
| Loan loss allowance to noncurrent loans | 1,728.1553% | 225 |
| Noncurrent assets plus other real estate owned to assets | 2.7455% | 2,338 |
| Noncurrent loans to loans | 0.0580% | 7,388 |
| Net loans and leases to total assets | 79.0115% | 1,517 |
| Net loans and leases to deposits | 93.0706% | 2,256 |
| Net loans and leases to core deposits | 113.1658% | 3,000 |
| Total domestic deposits to total assets | 84.8941% | 3,317 |
| Equity capital to assets | 8.7301% | 5,712 |
| Core capital (leverage) ratio | 9.0854% | 4,490 |
| Tier 1 risk-based capital ratio | 9.6525% | 7,271 |
| Total risk-based capital ratio | 10.5564% | 7,521 |
| Memoranda: | ||
| Average total assets | $210,141,000 | 3,101 |
| Average earning assets | $191,101,330 | 3,127 |
| Average equity | $19,063,670 | 3,378 |
| Average total loans | $173,458,000 | 2,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 3,639 |
| Cost of funding earning assets | 2.7477% | 1,120 |
| Net interest margin | 2.9825% | 6,524 |
| Noninterest income to average assets | 0.3904% | 5,296 |
| Noninterest expense to average assets | 2.5348% | 5,716 |
| Loan and lease loss provision to assets | 0.2531% | 3,944 |
| Net operating income to assets | 0.2500% | 5,487 |
| Return on assets (ROA) | 0.4748% | 4,732 |
| Pretax return on assets | 0.7043% | 4,424 |
| Return on Equity (ROE) | 5.1281% | 4,418 |
| Retained earnings to average equity (ytd only) | 5.1281% | 3,048 |
| Net charge-offs to loans | 0.0794% | 4,382 |
| Credit loss provision to net charge-offs | 379.4118% | 1,359 |
| Earnings coverage of net charge-offs (x) | 9.3235% | 2,072 |
| Efficiency ratio | 80.2983% | 2,775 |
| Assets per employee ($millions) | 7.0793% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9672% | 6,387 |
| Loan loss allowance to noncurrent loans | 31.9562% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 2.5348% | 2,263 |
| Noncurrent loans to loans | 3.0267% | 2,158 |
| Net loans and leases to total assets | 82.9395% | 856 |
| Net loans and leases to deposits | 96.9924% | 1,802 |
| Net loans and leases to core deposits | 116.3773% | 2,764 |
| Total domestic deposits to total assets | 85.5114% | 2,964 |
| Equity capital to assets | 9.2460% | 5,016 |
| Core capital (leverage) ratio | 9.0054% | 4,704 |
| Tier 1 risk-based capital ratio | 9.8415% | 7,094 |
| Total risk-based capital ratio | 10.7291% | 7,391 |
| Memoranda: | ||
| Average total assets | $203,884,000 | 3,202 |
| Average earning assets | $189,105,000 | 3,166 |
| Average equity | $18,876,500 | 3,431 |
| Average total loans | $171,335,500 | 2,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2301% | 4,353 |
| Cost of funding earning assets | 3.3510% | 807 |
| Net interest margin | 2.8792% | 7,193 |
| Noninterest income to average assets | 0.2572% | 6,610 |
| Noninterest expense to average assets | 2.5259% | 5,907 |
| Loan and lease loss provision to assets | 0.0970% | 6,149 |
| Net operating income to assets | 0.2293% | 5,758 |
| Return on assets (ROA) | 0.2451% | 5,535 |
| Pretax return on assets | 0.4120% | 5,227 |
| Return on Equity (ROE) | 2.3391% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.3391% | 3,747 |
| Net charge-offs to loans | 0.0079% | 6,829 |
| Credit loss provision to net charge-offs | 1,463.6364% | 307 |
| Earnings coverage of net charge-offs (x) | 73.0909% | 555 |
| Efficiency ratio | 83.9136% | 2,065 |
| Assets per employee ($millions) | 6.5313% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,578 |
| Loan loss allowance to noncurrent loans | 29.3688% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 2.6369% | 1,812 |
| Noncurrent loans to loans | 3.1271% | 1,693 |
| Net loans and leases to total assets | 83.5516% | 958 |
| Net loans and leases to deposits | 98.3746% | 2,073 |
| Net loans and leases to core deposits | 113.0811% | 3,438 |
| Total domestic deposits to total assets | 84.9320% | 2,870 |
| Equity capital to assets | 9.2710% | 4,970 |
| Core capital (leverage) ratio | 9.4695% | 4,052 |
| Tier 1 risk-based capital ratio | 9.7247% | 7,053 |
| Total risk-based capital ratio | 10.5694% | 7,424 |
| Memoranda: | ||
| Average total assets | $166,039,400 | 3,612 |
| Average earning assets | $158,760,400 | 3,489 |
| Average equity | $17,400,200 | 3,662 |
| Average total loans | $138,833,000 | 3,115 |