Home > Four Oaks Bank & Trust Company > Performance and Condition Ratios
Four Oaks Bank & Trust Company, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6621% | 1,221 |
| Cost of funding earning assets | 0.5657% | 1,773 |
| Net interest margin | 4.0965% | 1,401 |
| Noninterest income to average assets | 0.8171% | 1,523 |
| Noninterest expense to average assets | 3.1777% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8438% | 3,301 |
| Return on assets (ROA) | 0.8438% | 3,349 |
| Pretax return on assets | 1.2915% | 2,531 |
| Return on Equity (ROE) | 6.7608% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.2936% | 2,692 |
| Net charge-offs to loans | 0.0677% | 2,154 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.4434% | 1,636 |
| Efficiency ratio | 71.1014% | 2,348 |
| Assets per employee ($millions) | 4.7609% | 2,744 |
| Cash dividends to net income (ytd only)* | 21.7014% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 758 |
| Loan loss allowance to noncurrent loans | 252.1482% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6839% | 2,448 |
| Noncurrent loans to loans | 0.7392% | 2,512 |
| Net loans and leases to total assets | 68.3221% | 2,795 |
| Net loans and leases to deposits | 88.0033% | 2,061 |
| Net loans and leases to core deposits | 95.4779% | 2,130 |
| Total domestic deposits to total assets | 77.6358% | 4,778 |
| Equity capital to assets | 12.9055% | 1,437 |
| Core capital (leverage) ratio | 11.8201% | 1,806 |
| Tier 1 risk-based capital ratio | 15.0392% | 2,898 |
| Total risk-based capital ratio | 16.2945% | 2,827 |
| Memoranda: | ||
| Average total assets | $728,100,500 | 1,015 |
| Average earning assets | $649,130,000 | 1,040 |
| Average equity | $90,874,000 | 901 |
| Average total loans | $506,130,750 | 1,011 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6610% | 1,141 |
| Cost of funding earning assets | 0.5669% | 1,667 |
| Net interest margin | 4.0941% | 1,336 |
| Noninterest income to average assets | 0.8081% | 1,546 |
| Noninterest expense to average assets | 3.2172% | 1,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8046% | 3,378 |
| Return on assets (ROA) | 0.8046% | 3,436 |
| Pretax return on assets | 1.2358% | 2,636 |
| Return on Equity (ROE) | 6.5197% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.2983% | 3,149 |
| Net charge-offs to loans | -0.0028% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2482% | 2,293 |
| Assets per employee ($millions) | 4.4933% | 3,118 |
| Cash dividends to net income (ytd only)* | 34.0716% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 685 |
| Loan loss allowance to noncurrent loans | 240.7481% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7316% | 2,375 |
| Noncurrent loans to loans | 0.8016% | 2,399 |
| Net loans and leases to total assets | 66.5774% | 3,021 |
| Net loans and leases to deposits | 87.2430% | 2,075 |
| Net loans and leases to core deposits | 95.5120% | 2,023 |
| Total domestic deposits to total assets | 76.3126% | 5,054 |
| Equity capital to assets | 12.3774% | 1,685 |
| Core capital (leverage) ratio | 11.2571% | 2,173 |
| Tier 1 risk-based capital ratio | 14.7307% | 3,047 |
| Total risk-based capital ratio | 15.9869% | 2,978 |
| Memoranda: | ||
| Average total assets | $729,580,000 | 1,017 |
| Average earning assets | $649,522,330 | 1,043 |
| Average equity | $90,034,670 | 909 |
| Average total loans | $506,904,000 | 1,008 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 897 |
| Cost of funding earning assets | 0.5688% | 1,594 |
| Net interest margin | 4.1524% | 1,092 |
| Noninterest income to average assets | 0.7312% | 1,821 |
| Noninterest expense to average assets | 3.2455% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7577% | 3,442 |
| Return on assets (ROA) | 0.7577% | 3,494 |
| Pretax return on assets | 1.1704% | 2,707 |
| Return on Equity (ROE) | 6.1488% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.1488% | 2,255 |
| Net charge-offs to loans | 0.0212% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 78.6667% | 662 |
| Efficiency ratio | 73.4964% | 2,322 |
| Assets per employee ($millions) | 4.3189% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 827 |
| Loan loss allowance to noncurrent loans | 212.4089% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 2,232 |
| Noncurrent loans to loans | 0.8824% | 2,267 |
| Net loans and leases to total assets | 68.5930% | 2,588 |
| Net loans and leases to deposits | 89.7535% | 1,567 |
| Net loans and leases to core deposits | 98.9184% | 1,583 |
| Total domestic deposits to total assets | 76.4237% | 5,187 |
| Equity capital to assets | 12.2948% | 1,664 |
| Core capital (leverage) ratio | 11.2003% | 2,187 |
| Tier 1 risk-based capital ratio | 14.2463% | 3,339 |
| Total risk-based capital ratio | 15.5021% | 3,251 |
| Memoranda: | ||
| Average total assets | $725,923,500 | 1,022 |
| Average earning assets | $644,151,000 | 1,053 |
| Average equity | $89,448,000 | 916 |
| Average total loans | $510,227,000 | 998 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,342 |
| Cost of funding earning assets | 0.5978% | 1,349 |
| Net interest margin | 3.9769% | 1,706 |
| Noninterest income to average assets | 0.7142% | 2,104 |
| Noninterest expense to average assets | 3.4046% | 1,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8952% | 2,853 |
| Return on assets (ROA) | 0.9326% | 2,778 |
| Pretax return on assets | 0.9092% | 3,819 |
| Return on Equity (ROE) | 7.8154% | 3,047 |
| Retained earnings to average equity (ytd only) | 7.8154% | 918 |
| Net charge-offs to loans | -0.0064% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6119% | 1,466 |
| Assets per employee ($millions) | 4.1007% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9020% | 802 |
| Loan loss allowance to noncurrent loans | 221.0587% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 2,238 |
| Noncurrent loans to loans | 0.8604% | 2,379 |
| Net loans and leases to total assets | 69.3346% | 2,573 |
| Net loans and leases to deposits | 89.5042% | 1,738 |
| Net loans and leases to core deposits | 99.8657% | 1,636 |
| Total domestic deposits to total assets | 77.4651% | 5,051 |
| Equity capital to assets | 12.3497% | 1,603 |
| Core capital (leverage) ratio | 11.0031% | 2,331 |
| Tier 1 risk-based capital ratio | 14.1405% | 3,386 |
| Total risk-based capital ratio | 15.3968% | 3,304 |
| Memoranda: | ||
| Average total assets | $712,238,800 | 1,006 |
| Average earning assets | $637,981,200 | 1,019 |
| Average equity | $84,986,400 | 935 |
| Average total loans | $484,245,600 | 1,001 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5474% | 1,411 |
| Cost of funding earning assets | 0.6019% | 1,308 |
| Net interest margin | 3.9455% | 1,833 |
| Noninterest income to average assets | 0.7056% | 2,145 |
| Noninterest expense to average assets | 3.3403% | 1,474 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5746% | 4,395 |
| Return on assets (ROA) | 0.6065% | 4,382 |
| Pretax return on assets | 0.9620% | 3,770 |
| Return on Equity (ROE) | 5.1285% | 4,456 |
| Retained earnings to average equity (ytd only) | 5.1285% | 2,734 |
| Net charge-offs to loans | -0.0159% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5516% | 1,609 |
| Assets per employee ($millions) | 4.1454% | 3,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 757 |
| Loan loss allowance to noncurrent loans | 257.1922% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 2,500 |
| Noncurrent loans to loans | 0.7673% | 2,752 |
| Net loans and leases to total assets | 66.6186% | 3,020 |
| Net loans and leases to deposits | 85.5622% | 2,305 |
| Net loans and leases to core deposits | 97.1385% | 1,896 |
| Total domestic deposits to total assets | 77.8599% | 4,938 |
| Equity capital to assets | 11.9726% | 2,136 |
| Core capital (leverage) ratio | 10.7960% | 2,690 |
| Tier 1 risk-based capital ratio | 14.4643% | 3,301 |
| Total risk-based capital ratio | 15.7215% | 3,233 |
| Memoranda: | ||
| Average total assets | $710,892,000 | 1,013 |
| Average earning assets | $639,062,250 | 1,024 |
| Average equity | $84,076,750 | 953 |
| Average total loans | $478,504,500 | 1,009 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 1,410 |
| Cost of funding earning assets | 0.6114% | 1,237 |
| Net interest margin | 3.9272% | 1,889 |
| Noninterest income to average assets | 0.6929% | 2,177 |
| Noninterest expense to average assets | 3.3770% | 1,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5419% | 4,512 |
| Return on assets (ROA) | 0.5900% | 4,441 |
| Pretax return on assets | 0.9174% | 3,888 |
| Return on Equity (ROE) | 5.0098% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.0098% | 2,736 |
| Net charge-offs to loans | 0.2305% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.4461% | 2,855 |
| Efficiency ratio | 80.0389% | 1,492 |
| Assets per employee ($millions) | 3.9976% | 3,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 963 |
| Loan loss allowance to noncurrent loans | 222.0617% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 2,297 |
| Noncurrent loans to loans | 0.8372% | 2,653 |
| Net loans and leases to total assets | 67.2777% | 2,898 |
| Net loans and leases to deposits | 86.4754% | 2,190 |
| Net loans and leases to core deposits | 97.9775% | 1,808 |
| Total domestic deposits to total assets | 77.7998% | 5,037 |
| Equity capital to assets | 11.9602% | 2,154 |
| Core capital (leverage) ratio | 10.6300% | 2,816 |
| Tier 1 risk-based capital ratio | 14.3673% | 3,395 |
| Total risk-based capital ratio | 15.6236% | 3,314 |
| Memoranda: | ||
| Average total assets | $707,423,670 | 1,018 |
| Average earning assets | $635,214,000 | 1,031 |
| Average equity | $83,316,330 | 957 |
| Average total loans | $474,609,000 | 1,015 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 1,519 |
| Cost of funding earning assets | 0.6202% | 1,217 |
| Net interest margin | 3.8757% | 2,008 |
| Noninterest income to average assets | 0.6584% | 2,227 |
| Noninterest expense to average assets | 3.2597% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5671% | 4,338 |
| Return on assets (ROA) | 0.5671% | 4,440 |
| Pretax return on assets | 0.8790% | 3,936 |
| Return on Equity (ROE) | 4.8531% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.8531% | 3,033 |
| Net charge-offs to loans | 0.4547% | 498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.9135% | 2,615 |
| Efficiency ratio | 78.7613% | 1,792 |
| Assets per employee ($millions) | 4.0697% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9061% | 963 |
| Loan loss allowance to noncurrent loans | 196.8791% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 2,243 |
| Noncurrent loans to loans | 0.9682% | 2,442 |
| Net loans and leases to total assets | 64.8987% | 3,122 |
| Net loans and leases to deposits | 82.8990% | 2,442 |
| Net loans and leases to core deposits | 94.4758% | 1,942 |
| Total domestic deposits to total assets | 78.2864% | 5,093 |
| Equity capital to assets | 11.5796% | 2,370 |
| Core capital (leverage) ratio | 10.5163% | 2,942 |
| Tier 1 risk-based capital ratio | 14.2001% | 3,566 |
| Total risk-based capital ratio | 15.4564% | 3,494 |
| Memoranda: | ||
| Average total assets | $705,351,000 | 1,017 |
| Average earning assets | $633,387,500 | 1,035 |
| Average equity | $82,422,000 | 968 |
| Average total loans | $468,015,500 | 1,026 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,048 |
| Cost of funding earning assets | 0.8202% | 441 |
| Net interest margin | 3.5333% | 3,403 |
| Noninterest income to average assets | 1.2076% | 821 |
| Noninterest expense to average assets | 3.7938% | 869 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.7081% | 120 |
| Return on assets (ROA) | 2.7438% | 114 |
| Pretax return on assets | 0.6600% | 4,646 |
| Return on Equity (ROE) | 27.7891% | 73 |
| Retained earnings to average equity (ytd only) | 27.7891% | 35 |
| Net charge-offs to loans | -0.0519% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8698% | 1,000 |
| Assets per employee ($millions) | 3.8559% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0929% | 694 |
| Loan loss allowance to noncurrent loans | 144.3194% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 1,774 |
| Noncurrent loans to loans | 1.4502% | 1,612 |
| Net loans and leases to total assets | 65.1756% | 3,099 |
| Net loans and leases to deposits | 82.6407% | 2,518 |
| Net loans and leases to core deposits | 94.2014% | 2,037 |
| Total domestic deposits to total assets | 78.8663% | 5,003 |
| Equity capital to assets | 11.7744% | 2,133 |
| Core capital (leverage) ratio | 10.2179% | 3,242 |
| Tier 1 risk-based capital ratio | 14.4067% | 3,490 |
| Total risk-based capital ratio | 15.6651% | 3,401 |
| Memoranda: | ||
| Average total assets | $742,297,200 | 931 |
| Average earning assets | $674,468,200 | 947 |
| Average equity | $73,291,200 | 1,044 |
| Average total loans | $458,222,200 | 1,006 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 2,284 |
| Cost of funding earning assets | 0.8149% | 450 |
| Net interest margin | 3.4713% | 3,657 |
| Noninterest income to average assets | 0.7698% | 1,929 |
| Noninterest expense to average assets | 3.3181% | 1,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.3463% | 73 |
| Return on assets (ROA) | 3.3931% | 68 |
| Pretax return on assets | 0.6627% | 4,799 |
| Return on Equity (ROE) | 35.9463% | 33 |
| Retained earnings to average equity (ytd only) | 35.9463% | 17 |
| Net charge-offs to loans | -0.2603% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3444% | 1,137 |
| Assets per employee ($millions) | 3.9199% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2583% | 604 |
| Loan loss allowance to noncurrent loans | 211.5321% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 2,412 |
| Noncurrent loans to loans | 1.0676% | 2,348 |
| Net loans and leases to total assets | 62.3190% | 3,561 |
| Net loans and leases to deposits | 82.5246% | 2,582 |
| Net loans and leases to core deposits | 92.0545% | 2,258 |
| Total domestic deposits to total assets | 75.5157% | 5,567 |
| Equity capital to assets | 11.3424% | 2,654 |
| Core capital (leverage) ratio | 10.0179% | 3,603 |
| Tier 1 risk-based capital ratio | 14.2300% | 3,711 |
| Total risk-based capital ratio | 15.4901% | 3,639 |
| Memoranda: | ||
| Average total assets | $755,321,500 | 922 |
| Average earning assets | $688,493,750 | 937 |
| Average equity | $71,297,250 | 1,076 |
| Average total loans | $457,913,250 | 1,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,601 |
| Cost of funding earning assets | 0.7961% | 511 |
| Net interest margin | 3.3889% | 3,940 |
| Noninterest income to average assets | 0.7654% | 1,927 |
| Noninterest expense to average assets | 3.2245% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.6895% | 52 |
| Return on assets (ROA) | 4.7041% | 52 |
| Pretax return on assets | 0.6596% | 4,791 |
| Return on Equity (ROE) | 53.1470% | 20 |
| Retained earnings to average equity (ytd only) | 53.1470% | 9 |
| Net charge-offs to loans | -0.1891% | 6,008 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3311% | 1,338 |
| Assets per employee ($millions) | 3.9809% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 810 |
| Loan loss allowance to noncurrent loans | 119.0777% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.5240% | 1,606 |
| Noncurrent loans to loans | 1.7933% | 1,431 |
| Net loans and leases to total assets | 62.4102% | 3,490 |
| Net loans and leases to deposits | 82.1963% | 2,529 |
| Net loans and leases to core deposits | 92.0330% | 2,158 |
| Total domestic deposits to total assets | 75.9283% | 5,606 |
| Equity capital to assets | 10.9860% | 2,893 |
| Core capital (leverage) ratio | 9.4966% | 4,288 |
| Tier 1 risk-based capital ratio | 13.9780% | 3,946 |
| Total risk-based capital ratio | 15.2371% | 3,868 |
| Memoranda: | ||
| Average total assets | $769,291,000 | 906 |
| Average earning assets | $704,646,330 | 907 |
| Average equity | $68,090,330 | 1,128 |
| Average total loans | $458,929,670 | 1,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 2,961 |
| Cost of funding earning assets | 0.7727% | 580 |
| Net interest margin | 3.2956% | 4,238 |
| Noninterest income to average assets | 0.6824% | 2,242 |
| Noninterest expense to average assets | 3.1187% | 2,208 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6184% | 4,203 |
| Return on assets (ROA) | 0.6466% | 4,182 |
| Pretax return on assets | 0.6466% | 4,775 |
| Return on Equity (ROE) | 8.2038% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.2038% | 1,493 |
| Net charge-offs to loans | -0.3602% | 6,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4525% | 1,437 |
| Assets per employee ($millions) | 4.3083% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1183% | 904 |
| Loan loss allowance to noncurrent loans | 109.6673% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5898% | 1,614 |
| Noncurrent loans to loans | 1.9316% | 1,380 |
| Net loans and leases to total assets | 58.9871% | 3,799 |
| Net loans and leases to deposits | 74.4977% | 3,237 |
| Net loans and leases to core deposits | 81.0968% | 3,047 |
| Total domestic deposits to total assets | 79.1797% | 5,236 |
| Equity capital to assets | 8.2864% | 5,878 |
| Core capital (leverage) ratio | 7.6823% | 6,077 |
| Tier 1 risk-based capital ratio | 12.7373% | 4,764 |
| Total risk-based capital ratio | 13.9966% | 4,678 |
| Memoranda: | ||
| Average total assets | $793,669,500 | 887 |
| Average earning assets | $735,648,000 | 876 |
| Average equity | $62,556,500 | 1,221 |
| Average total loans | $458,645,000 | 1,012 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 4,264 |
| Cost of funding earning assets | 0.8962% | 396 |
| Net interest margin | 2.9695% | 5,508 |
| Noninterest income to average assets | 1.0734% | 1,054 |
| Noninterest expense to average assets | 3.2803% | 1,976 |
| Loan and lease loss provision to assets | 0.9639% | 119 |
| Net operating income to assets | -0.4112% | 6,277 |
| Return on assets (ROA) | -0.3790% | 6,265 |
| Pretax return on assets | -0.3790% | 6,248 |
| Return on Equity (ROE) | -5.9473% | 6,310 |
| Retained earnings to average equity (ytd only) | -5.9473% | 6,218 |
| Net charge-offs to loans | 2.1476% | 84 |
| Credit loss provision to net charge-offs | 78.2412% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.4487% | 4,638 |
| Efficiency ratio | 85.5774% | 1,218 |
| Assets per employee ($millions) | 4.7425% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0603% | 1,010 |
| Loan loss allowance to noncurrent loans | 92.4753% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 1,574 |
| Noncurrent loans to loans | 2.2279% | 1,191 |
| Net loans and leases to total assets | 54.3309% | 4,540 |
| Net loans and leases to deposits | 67.0173% | 4,216 |
| Net loans and leases to core deposits | 72.4143% | 4,086 |
| Total domestic deposits to total assets | 81.0700% | 4,728 |
| Equity capital to assets | 7.5039% | 6,231 |
| Core capital (leverage) ratio | 7.1871% | 6,275 |
| Tier 1 risk-based capital ratio | 13.4726% | 4,429 |
| Total risk-based capital ratio | 14.7328% | 4,364 |
| Memoranda: | ||
| Average total assets | $825,225,800 | 818 |
| Average earning assets | $766,905,800 | 794 |
| Average equity | $52,595,600 | 1,390 |
| Average total loans | $473,376,200 | 940 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 4,307 |
| Cost of funding earning assets | 0.9056% | 407 |
| Net interest margin | 2.9584% | 5,593 |
| Noninterest income to average assets | 0.9280% | 1,423 |
| Noninterest expense to average assets | 3.0973% | 2,478 |
| Loan and lease loss provision to assets | 1.2833% | 70 |
| Net operating income to assets | -0.7031% | 6,421 |
| Return on assets (ROA) | -0.6603% | 6,412 |
| Pretax return on assets | -0.6603% | 6,398 |
| Return on Equity (ROE) | -10.8379% | 6,452 |
| Retained earnings to average equity (ytd only) | -10.8379% | 6,390 |
| Net charge-offs to loans | 2.8447% | 42 |
| Credit loss provision to net charge-offs | 78.0033% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.3527% | 4,404 |
| Efficiency ratio | 84.2195% | 1,362 |
| Assets per employee ($millions) | 4.8407% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0382% | 1,186 |
| Loan loss allowance to noncurrent loans | 58.4919% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.4723% | 1,079 |
| Noncurrent loans to loans | 3.4846% | 693 |
| Net loans and leases to total assets | 53.6440% | 4,618 |
| Net loans and leases to deposits | 67.4547% | 4,188 |
| Net loans and leases to core deposits | 73.2262% | 4,026 |
| Total domestic deposits to total assets | 79.5259% | 5,212 |
| Equity capital to assets | 7.2255% | 6,353 |
| Core capital (leverage) ratio | 7.1386% | 6,365 |
| Tier 1 risk-based capital ratio | 13.7233% | 4,405 |
| Total risk-based capital ratio | 14.9845% | 4,329 |
| Memoranda: | ||
| Average total assets | $826,418,750 | 820 |
| Average earning assets | $768,048,500 | 795 |
| Average equity | $50,353,000 | 1,445 |
| Average total loans | $477,936,000 | 933 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,129 |
| Cost of funding earning assets | 0.9098% | 405 |
| Net interest margin | 2.9919% | 5,548 |
| Noninterest income to average assets | 1.2028% | 810 |
| Noninterest expense to average assets | 2.9759% | 2,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0040% | 2,309 |
| Return on assets (ROA) | 1.0560% | 2,177 |
| Pretax return on assets | 1.0560% | 3,256 |
| Return on Equity (ROE) | 18.4978% | 412 |
| Retained earnings to average equity (ytd only) | 18.4978% | 114 |
| Net charge-offs to loans | 0.2659% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.4130% | 2,776 |
| Efficiency ratio | 74.7679% | 2,846 |
| Assets per employee ($millions) | 4.7593% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2935% | 908 |
| Loan loss allowance to noncurrent loans | 46.7478% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.5375% | 651 |
| Noncurrent loans to loans | 4.9061% | 411 |
| Net loans and leases to total assets | 55.9891% | 4,288 |
| Net loans and leases to deposits | 69.9270% | 3,834 |
| Net loans and leases to core deposits | 76.1202% | 3,617 |
| Total domestic deposits to total assets | 80.0680% | 5,219 |
| Equity capital to assets | 5.9709% | 6,533 |
| Core capital (leverage) ratio | 5.9487% | 6,541 |
| Tier 1 risk-based capital ratio | 10.7972% | 6,131 |
| Total risk-based capital ratio | 12.0616% | 6,072 |
| Memoranda: | ||
| Average total assets | $822,744,330 | 829 |
| Average earning assets | $763,667,670 | 803 |
| Average equity | $46,967,670 | 1,524 |
| Average total loans | $484,386,670 | 923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9241% | 3,998 |
| Cost of funding earning assets | 0.9153% | 418 |
| Net interest margin | 3.0088% | 5,503 |
| Noninterest income to average assets | 0.7445% | 1,968 |
| Noninterest expense to average assets | 2.8275% | 3,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7118% | 3,624 |
| Return on assets (ROA) | 0.7724% | 3,378 |
| Pretax return on assets | 0.7724% | 4,212 |
| Return on Equity (ROE) | 13.8550% | 970 |
| Retained earnings to average equity (ytd only) | 13.8550% | 405 |
| Net charge-offs to loans | 0.0607% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 19.6622% | 1,363 |
| Efficiency ratio | 79.8894% | 2,225 |
| Assets per employee ($millions) | 4.8245% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3834% | 931 |
| Loan loss allowance to noncurrent loans | 40.7516% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 4.3740% | 511 |
| Noncurrent loans to loans | 5.8485% | 319 |
| Net loans and leases to total assets | 57.8488% | 3,862 |
| Net loans and leases to deposits | 72.4217% | 3,282 |
| Net loans and leases to core deposits | 79.1489% | 3,070 |
| Total domestic deposits to total assets | 79.8777% | 5,508 |
| Equity capital to assets | 5.7152% | 6,590 |
| Core capital (leverage) ratio | 5.6829% | 6,616 |
| Tier 1 risk-based capital ratio | 10.2209% | 6,421 |
| Total risk-based capital ratio | 11.4867% | 6,375 |
| Memoranda: | ||
| Average total assets | $817,681,000 | 838 |
| Average earning assets | $759,512,000 | 818 |
| Average equity | $45,586,500 | 1,568 |
| Average total loans | $487,948,500 | 911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 4,328 |
| Cost of funding earning assets | 0.9960% | 449 |
| Net interest margin | 2.9421% | 5,701 |
| Noninterest income to average assets | 0.5508% | 3,397 |
| Noninterest expense to average assets | 3.2002% | 2,419 |
| Loan and lease loss provision to assets | 0.0042% | 5,032 |
| Net operating income to assets | 0.0529% | 6,122 |
| Return on assets (ROA) | 0.1090% | 6,081 |
| Pretax return on assets | 0.1090% | 6,078 |
| Return on Equity (ROE) | 2.0065% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.0065% | 4,806 |
| Net charge-offs to loans | 1.0055% | 578 |
| Credit loss provision to net charge-offs | 0.7008% | 4,700 |
| Earnings coverage of net charge-offs (x) | 0.0943% | 5,059 |
| Efficiency ratio | 98.2375% | 540 |
| Assets per employee ($millions) | 4.6328% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 982 |
| Loan loss allowance to noncurrent loans | 42.5337% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 4.3598% | 588 |
| Noncurrent loans to loans | 5.5304% | 408 |
| Net loans and leases to total assets | 58.6724% | 3,924 |
| Net loans and leases to deposits | 73.1014% | 3,386 |
| Net loans and leases to core deposits | 79.9551% | 3,142 |
| Total domestic deposits to total assets | 80.2617% | 5,384 |
| Equity capital to assets | 5.4358% | 6,660 |
| Core capital (leverage) ratio | 5.5015% | 6,688 |
| Tier 1 risk-based capital ratio | 9.6583% | 6,582 |
| Total risk-based capital ratio | 10.9238% | 6,560 |
| Memoranda: | ||
| Average total assets | $823,888,800 | 804 |
| Average earning assets | $757,932,200 | 790 |
| Average equity | $44,755,400 | 1,560 |
| Average total loans | $496,679,600 | 856 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 4,457 |
| Cost of funding earning assets | 1.0093% | 468 |
| Net interest margin | 2.9032% | 5,810 |
| Noninterest income to average assets | 0.5355% | 3,552 |
| Noninterest expense to average assets | 3.1104% | 2,619 |
| Loan and lease loss provision to assets | 0.0057% | 4,857 |
| Net operating income to assets | 0.0860% | 6,159 |
| Return on assets (ROA) | 0.1607% | 6,081 |
| Pretax return on assets | 0.1607% | 6,112 |
| Return on Equity (ROE) | 2.9582% | 5,618 |
| Retained earnings to average equity (ytd only) | 2.9582% | 4,556 |
| Net charge-offs to loans | 1.1488% | 479 |
| Credit loss provision to net charge-offs | 0.8162% | 4,331 |
| Earnings coverage of net charge-offs (x) | 0.1322% | 4,820 |
| Efficiency ratio | 97.1277% | 564 |
| Assets per employee ($millions) | 4.5216% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4780% | 958 |
| Loan loss allowance to noncurrent loans | 36.2725% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 5.4787% | 481 |
| Noncurrent loans to loans | 6.8317% | 311 |
| Net loans and leases to total assets | 59.7889% | 3,730 |
| Net loans and leases to deposits | 74.8206% | 3,113 |
| Net loans and leases to core deposits | 82.5240% | 2,826 |
| Total domestic deposits to total assets | 79.9097% | 5,531 |
| Equity capital to assets | 5.5486% | 6,732 |
| Core capital (leverage) ratio | 5.5777% | 6,755 |
| Tier 1 risk-based capital ratio | 9.5756% | 6,675 |
| Total risk-based capital ratio | 10.8446% | 6,652 |
| Memoranda: | ||
| Average total assets | $824,857,500 | 811 |
| Average earning assets | $757,631,750 | 799 |
| Average equity | $44,800,750 | 1,579 |
| Average total loans | $497,671,500 | 853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8725% | 4,581 |
| Cost of funding earning assets | 1.0155% | 506 |
| Net interest margin | 2.8570% | 5,883 |
| Noninterest income to average assets | 0.5964% | 3,218 |
| Noninterest expense to average assets | 3.1532% | 2,504 |
| Loan and lease loss provision to assets | 0.0084% | 4,688 |
| Net operating income to assets | 0.0549% | 6,231 |
| Return on assets (ROA) | 0.1441% | 6,143 |
| Pretax return on assets | 0.1441% | 6,167 |
| Return on Equity (ROE) | 2.6717% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.6717% | 4,608 |
| Net charge-offs to loans | 1.0222% | 594 |
| Credit loss provision to net charge-offs | 1.3747% | 3,987 |
| Earnings coverage of net charge-offs (x) | 0.1033% | 4,510 |
| Efficiency ratio | 98.0223% | 564 |
| Assets per employee ($millions) | 4.6107% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8634% | 666 |
| Loan loss allowance to noncurrent loans | 41.3040% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 5.5449% | 523 |
| Noncurrent loans to loans | 6.9325% | 353 |
| Net loans and leases to total assets | 57.7011% | 4,033 |
| Net loans and leases to deposits | 72.3586% | 3,405 |
| Net loans and leases to core deposits | 80.6348% | 2,962 |
| Total domestic deposits to total assets | 79.7432% | 5,661 |
| Equity capital to assets | 5.4240% | 6,797 |
| Core capital (leverage) ratio | 5.5778% | 6,791 |
| Tier 1 risk-based capital ratio | 9.6823% | 6,696 |
| Total risk-based capital ratio | 10.9543% | 6,675 |
| Memoranda: | ||
| Average total assets | $830,023,670 | 800 |
| Average earning assets | $761,210,330 | 795 |
| Average equity | $44,765,000 | 1,588 |
| Average total loans | $498,161,000 | 846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9419% | 4,323 |
| Cost of funding earning assets | 1.0273% | 525 |
| Net interest margin | 2.9147% | 5,785 |
| Noninterest income to average assets | 0.7030% | 2,575 |
| Noninterest expense to average assets | 3.1933% | 2,374 |
| Loan and lease loss provision to assets | 0.0168% | 4,253 |
| Net operating income to assets | 0.1571% | 6,017 |
| Return on assets (ROA) | 0.1807% | 6,059 |
| Pretax return on assets | 0.1807% | 6,112 |
| Return on Equity (ROE) | 3.3598% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.3598% | 4,235 |
| Net charge-offs to loans | 1.0651% | 568 |
| Credit loss provision to net charge-offs | 2.6178% | 3,218 |
| Earnings coverage of net charge-offs (x) | 0.2708% | 3,730 |
| Efficiency ratio | 94.8195% | 789 |
| Assets per employee ($millions) | 4.1091% | 3,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1308% | 584 |
| Loan loss allowance to noncurrent loans | 39.6355% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 6.5755% | 452 |
| Noncurrent loans to loans | 7.8989% | 338 |
| Net loans and leases to total assets | 58.8753% | 3,631 |
| Net loans and leases to deposits | 73.7225% | 2,954 |
| Net loans and leases to core deposits | 83.4983% | 2,388 |
| Total domestic deposits to total assets | 79.8606% | 5,783 |
| Equity capital to assets | 5.6069% | 6,854 |
| Core capital (leverage) ratio | 5.1866% | 6,867 |
| Tier 1 risk-based capital ratio | 9.6351% | 6,745 |
| Total risk-based capital ratio | 10.9107% | 6,724 |
| Memoranda: | ||
| Average total assets | $832,377,500 | 807 |
| Average earning assets | $760,843,500 | 801 |
| Average equity | $44,765,000 | 1,596 |
| Average total loans | $502,114,500 | 844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 4,877 |
| Cost of funding earning assets | 1.2920% | 386 |
| Net interest margin | 2.8298% | 6,352 |
| Noninterest income to average assets | 0.2375% | 5,746 |
| Noninterest expense to average assets | 2.9115% | 3,589 |
| Loan and lease loss provision to assets | 0.8168% | 585 |
| Net operating income to assets | -0.8597% | 6,694 |
| Return on assets (ROA) | -0.6471% | 6,660 |
| Pretax return on assets | -0.6664% | 6,643 |
| Return on Equity (ROE) | -11.7105% | 6,759 |
| Retained earnings to average equity (ytd only) | -11.7105% | 6,690 |
| Net charge-offs to loans | 2.1432% | 325 |
| Credit loss provision to net charge-offs | 61.6470% | 4,400 |
| Earnings coverage of net charge-offs (x) | -0.0520% | 5,516 |
| Efficiency ratio | 101.2536% | 515 |
| Assets per employee ($millions) | 4.3831% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1996% | 553 |
| Loan loss allowance to noncurrent loans | 45.9669% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 5.9224% | 590 |
| Noncurrent loans to loans | 6.9606% | 462 |
| Net loans and leases to total assets | 57.9840% | 3,984 |
| Net loans and leases to deposits | 71.4555% | 3,503 |
| Net loans and leases to core deposits | 81.4808% | 2,827 |
| Total domestic deposits to total assets | 81.1469% | 5,360 |
| Equity capital to assets | 5.1655% | 6,942 |
| Core capital (leverage) ratio | 5.0126% | 6,932 |
| Tier 1 risk-based capital ratio | 8.9277% | 6,856 |
| Total risk-based capital ratio | 10.2011% | 6,858 |
| Memoranda: | ||
| Average total assets | $903,608,600 | 729 |
| Average earning assets | $831,887,600 | 719 |
| Average equity | $49,929,400 | 1,425 |
| Average total loans | $558,648,800 | 743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 5,177 |
| Cost of funding earning assets | 1.3207% | 403 |
| Net interest margin | 2.7823% | 6,525 |
| Noninterest income to average assets | 0.2780% | 5,551 |
| Noninterest expense to average assets | 2.8616% | 3,742 |
| Loan and lease loss provision to assets | 0.2631% | 2,469 |
| Net operating income to assets | -0.2222% | 6,512 |
| Return on assets (ROA) | -0.1048% | 6,501 |
| Pretax return on assets | -0.1303% | 6,499 |
| Return on Equity (ROE) | -1.8675% | 6,559 |
| Retained earnings to average equity (ytd only) | -1.8675% | 6,382 |
| Net charge-offs to loans | 1.4113% | 634 |
| Credit loss provision to net charge-offs | 29.9352% | 4,805 |
| Earnings coverage of net charge-offs (x) | -0.0159% | 5,337 |
| Efficiency ratio | 100.3024% | 524 |
| Assets per employee ($millions) | 4.7389% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1313% | 639 |
| Loan loss allowance to noncurrent loans | 38.6412% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 6.4563% | 589 |
| Noncurrent loans to loans | 8.1035% | 379 |
| Net loans and leases to total assets | 57.8333% | 4,164 |
| Net loans and leases to deposits | 71.0661% | 3,737 |
| Net loans and leases to core deposits | 84.6215% | 2,628 |
| Total domestic deposits to total assets | 81.3795% | 5,241 |
| Equity capital to assets | 5.5741% | 7,015 |
| Core capital (leverage) ratio | 5.3555% | 6,990 |
| Tier 1 risk-based capital ratio | 9.4941% | 6,900 |
| Total risk-based capital ratio | 10.7698% | 6,888 |
| Memoranda: | ||
| Average total assets | $913,642,500 | 727 |
| Average earning assets | $843,787,250 | 715 |
| Average equity | $51,261,000 | 1,391 |
| Average total loans | $569,004,750 | 730 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1780% | 5,033 |
| Cost of funding earning assets | 1.3626% | 406 |
| Net interest margin | 2.8154% | 6,549 |
| Noninterest income to average assets | 0.3014% | 5,395 |
| Noninterest expense to average assets | 2.8908% | 3,660 |
| Loan and lease loss provision to assets | -0.0624% | 7,089 |
| Net operating income to assets | 0.1111% | 6,132 |
| Return on assets (ROA) | 0.2545% | 5,942 |
| Pretax return on assets | 0.2163% | 6,125 |
| Return on Equity (ROE) | 4.5255% | 5,023 |
| Retained earnings to average equity (ytd only) | 4.5255% | 3,591 |
| Net charge-offs to loans | 0.8425% | 1,315 |
| Credit loss provision to net charge-offs | -11.7357% | 5,930 |
| Earnings coverage of net charge-offs (x) | 0.0197% | 5,071 |
| Efficiency ratio | 99.4509% | 582 |
| Assets per employee ($millions) | 4.6991% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3262% | 575 |
| Loan loss allowance to noncurrent loans | 35.3350% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 7.4679% | 487 |
| Noncurrent loans to loans | 9.4133% | 302 |
| Net loans and leases to total assets | 59.3316% | 3,937 |
| Net loans and leases to deposits | 73.0716% | 3,445 |
| Net loans and leases to core deposits | 102.3238% | 958 |
| Total domestic deposits to total assets | 81.1965% | 5,396 |
| Equity capital to assets | 5.7766% | 7,043 |
| Core capital (leverage) ratio | 5.5257% | 7,027 |
| Tier 1 risk-based capital ratio | 9.6756% | 6,893 |
| Total risk-based capital ratio | 10.9528% | 6,880 |
| Memoranda: | ||
| Average total assets | $916,483,000 | 725 |
| Average earning assets | $846,333,000 | 710 |
| Average equity | $51,530,670 | 1,380 |
| Average total loans | $578,545,670 | 715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 4,811 |
| Cost of funding earning assets | 1.3647% | 479 |
| Net interest margin | 2.9159% | 6,463 |
| Noninterest income to average assets | 0.3348% | 5,183 |
| Noninterest expense to average assets | 2.7865% | 4,091 |
| Loan and lease loss provision to assets | -0.1070% | 7,184 |
| Net operating income to assets | 0.3508% | 5,474 |
| Return on assets (ROA) | 0.3560% | 5,629 |
| Pretax return on assets | 0.3560% | 5,841 |
| Return on Equity (ROE) | 6.4172% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.4172% | 2,727 |
| Net charge-offs to loans | 1.0228% | 1,013 |
| Credit loss provision to net charge-offs | -16.3468% | 5,368 |
| Earnings coverage of net charge-offs (x) | 0.3726% | 4,174 |
| Efficiency ratio | 91.7822% | 955 |
| Assets per employee ($millions) | 4.7823% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3438% | 601 |
| Loan loss allowance to noncurrent loans | 34.4244% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 7.4551% | 543 |
| Noncurrent loans to loans | 9.7133% | 325 |
| Net loans and leases to total assets | 60.0825% | 3,649 |
| Net loans and leases to deposits | 73.5806% | 3,183 |
| Net loans and leases to core deposits | 113.8899% | 434 |
| Total domestic deposits to total assets | 81.6554% | 5,406 |
| Equity capital to assets | 5.5520% | 7,104 |
| Core capital (leverage) ratio | 5.4720% | 7,083 |
| Tier 1 risk-based capital ratio | 9.2343% | 7,002 |
| Total risk-based capital ratio | 10.5145% | 6,998 |
| Memoranda: | ||
| Average total assets | $923,608,500 | 719 |
| Average earning assets | $853,792,000 | 702 |
| Average equity | $51,237,000 | 1,385 |
| Average total loans | $590,955,000 | 698 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 4,694 |
| Cost of funding earning assets | 1.4841% | 759 |
| Net interest margin | 3.1118% | 6,319 |
| Noninterest income to average assets | 0.1788% | 6,211 |
| Noninterest expense to average assets | 2.7387% | 4,593 |
| Loan and lease loss provision to assets | 1.2219% | 711 |
| Net operating income to assets | -0.8976% | 6,699 |
| Return on assets (ROA) | -0.8070% | 6,692 |
| Pretax return on assets | -0.8070% | 6,649 |
| Return on Equity (ROE) | -14.0094% | 6,862 |
| Retained earnings to average equity (ytd only) | -14.0094% | 6,839 |
| Net charge-offs to loans | 1.9120% | 749 |
| Credit loss provision to net charge-offs | 92.2655% | 3,909 |
| Earnings coverage of net charge-offs (x) | 0.2449% | 5,644 |
| Efficiency ratio | 89.2252% | 1,250 |
| Assets per employee ($millions) | 4.7148% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5104% | 531 |
| Loan loss allowance to noncurrent loans | 35.3724% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 7.8636% | 528 |
| Noncurrent loans to loans | 9.9242% | 321 |
| Net loans and leases to total assets | 63.5298% | 3,286 |
| Net loans and leases to deposits | 77.7572% | 2,879 |
| Net loans and leases to core deposits | 123.7712% | 300 |
| Total domestic deposits to total assets | 81.7028% | 5,231 |
| Equity capital to assets | 5.5428% | 7,125 |
| Core capital (leverage) ratio | 5.3988% | 7,106 |
| Tier 1 risk-based capital ratio | 8.4710% | 7,085 |
| Total risk-based capital ratio | 9.7515% | 7,085 |
| Memoranda: | ||
| Average total assets | $936,268,000 | 693 |
| Average earning assets | $867,796,400 | 676 |
| Average equity | $53,935,200 | 1,261 |
| Average total loans | $648,493,000 | 637 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 4,543 |
| Cost of funding earning assets | 1.5057% | 841 |
| Net interest margin | 3.1759% | 6,215 |
| Noninterest income to average assets | 0.3657% | 4,945 |
| Noninterest expense to average assets | 2.7158% | 4,670 |
| Loan and lease loss provision to assets | 1.3921% | 527 |
| Net operating income to assets | -0.7954% | 6,795 |
| Return on assets (ROA) | -0.6902% | 6,784 |
| Pretax return on assets | -0.6902% | 6,729 |
| Return on Equity (ROE) | -11.8731% | 6,944 |
| Retained earnings to average equity (ytd only) | -11.8731% | 6,914 |
| Net charge-offs to loans | 1.9382% | 666 |
| Credit loss provision to net charge-offs | 102.4700% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.4392% | 5,296 |
| Efficiency ratio | 81.8380% | 2,003 |
| Assets per employee ($millions) | 4.5027% | 2,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6012% | 520 |
| Loan loss allowance to noncurrent loans | 35.1448% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 8.1212% | 539 |
| Noncurrent loans to loans | 10.2467% | 344 |
| Net loans and leases to total assets | 65.4161% | 3,029 |
| Net loans and leases to deposits | 80.3359% | 2,609 |
| Net loans and leases to core deposits | 133.6229% | 211 |
| Total domestic deposits to total assets | 81.4283% | 5,284 |
| Equity capital to assets | 5.8396% | 7,201 |
| Core capital (leverage) ratio | 5.6839% | 7,165 |
| Tier 1 risk-based capital ratio | 8.7005% | 7,143 |
| Total risk-based capital ratio | 9.9812% | 7,144 |
| Memoranda: | ||
| Average total assets | $941,666,250 | 703 |
| Average earning assets | $873,725,000 | 682 |
| Average equity | $54,744,250 | 1,242 |
| Average total loans | $660,058,250 | 632 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7648% | 4,232 |
| Cost of funding earning assets | 1.5258% | 919 |
| Net interest margin | 3.2390% | 6,029 |
| Noninterest income to average assets | 0.3637% | 4,965 |
| Noninterest expense to average assets | 2.7082% | 4,792 |
| Loan and lease loss provision to assets | 1.0782% | 765 |
| Net operating income to assets | -0.4169% | 6,622 |
| Return on assets (ROA) | -0.3479% | 6,609 |
| Pretax return on assets | -0.3479% | 6,560 |
| Return on Equity (ROE) | -5.9927% | 6,775 |
| Retained earnings to average equity (ytd only) | -5.9927% | 6,652 |
| Net charge-offs to loans | 1.5823% | 930 |
| Credit loss provision to net charge-offs | 96.2268% | 3,264 |
| Earnings coverage of net charge-offs (x) | 0.5902% | 4,856 |
| Efficiency ratio | 80.2310% | 2,359 |
| Assets per employee ($millions) | 4.6902% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3363% | 679 |
| Loan loss allowance to noncurrent loans | 38.4355% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 7.0676% | 716 |
| Noncurrent loans to loans | 8.6803% | 488 |
| Net loans and leases to total assets | 66.9689% | 2,825 |
| Net loans and leases to deposits | 82.6924% | 2,339 |
| Net loans and leases to core deposits | 150.3533% | 144 |
| Total domestic deposits to total assets | 80.9856% | 5,531 |
| Equity capital to assets | 5.8401% | 7,264 |
| Core capital (leverage) ratio | 5.7922% | 7,226 |
| Tier 1 risk-based capital ratio | 8.7376% | 7,199 |
| Total risk-based capital ratio | 10.0150% | 7,199 |
| Memoranda: | ||
| Average total assets | $950,875,330 | 705 |
| Average earning assets | $882,432,330 | 684 |
| Average equity | $55,200,330 | 1,218 |
| Average total loans | $673,322,330 | 625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 3,942 |
| Cost of funding earning assets | 1.5362% | 1,028 |
| Net interest margin | 3.2872% | 5,824 |
| Noninterest income to average assets | 0.3237% | 5,334 |
| Noninterest expense to average assets | 2.6336% | 5,103 |
| Loan and lease loss provision to assets | 1.1048% | 661 |
| Net operating income to assets | -0.3678% | 6,725 |
| Return on assets (ROA) | -0.3494% | 6,709 |
| Pretax return on assets | -0.3494% | 6,650 |
| Return on Equity (ROE) | -6.0361% | 6,868 |
| Retained earnings to average equity (ytd only) | -6.0361% | 6,597 |
| Net charge-offs to loans | 1.5289% | 887 |
| Credit loss provision to net charge-offs | 100.9593% | 2,615 |
| Earnings coverage of net charge-offs (x) | 0.6734% | 4,122 |
| Efficiency ratio | 77.9868% | 2,845 |
| Assets per employee ($millions) | 4.6628% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2473% | 746 |
| Loan loss allowance to noncurrent loans | 41.0102% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 6.4725% | 862 |
| Noncurrent loans to loans | 7.9183% | 636 |
| Net loans and leases to total assets | 68.6289% | 2,419 |
| Net loans and leases to deposits | 83.9893% | 2,033 |
| Net loans and leases to core deposits | 157.0902% | 136 |
| Total domestic deposits to total assets | 81.7114% | 5,420 |
| Equity capital to assets | 5.7189% | 7,317 |
| Core capital (leverage) ratio | 5.9465% | 7,261 |
| Tier 1 risk-based capital ratio | 8.2907% | 7,274 |
| Total risk-based capital ratio | 9.5657% | 7,276 |
| Memoranda: | ||
| Average total assets | $952,599,000 | 708 |
| Average earning assets | $882,952,500 | 687 |
| Average equity | $55,135,000 | 1,198 |
| Average total loans | $681,793,000 | 628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 3,349 |
| Cost of funding earning assets | 1.6982% | 1,612 |
| Net interest margin | 3.5544% | 5,023 |
| Noninterest income to average assets | 0.1256% | 6,772 |
| Noninterest expense to average assets | 2.6907% | 5,033 |
| Loan and lease loss provision to assets | 3.3401% | 251 |
| Net operating income to assets | -3.2802% | 7,345 |
| Return on assets (ROA) | -2.9213% | 7,300 |
| Pretax return on assets | -2.2822% | 7,112 |
| Return on Equity (ROE) | -38.6261% | 7,333 |
| Retained earnings to average equity (ytd only) | -38.6261% | 7,325 |
| Net charge-offs to loans | 3.5908% | 391 |
| Credit loss provision to net charge-offs | 125.3712% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.2624% | 5,846 |
| Efficiency ratio | 79.2302% | 2,509 |
| Assets per employee ($millions) | 4.6081% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2393% | 713 |
| Loan loss allowance to noncurrent loans | 42.4796% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 6.4394% | 884 |
| Noncurrent loans to loans | 7.6255% | 701 |
| Net loans and leases to total assets | 69.8828% | 2,557 |
| Net loans and leases to deposits | 85.6194% | 2,166 |
| Net loans and leases to core deposits | 159.1396% | 145 |
| Total domestic deposits to total assets | 81.6202% | 5,316 |
| Equity capital to assets | 5.8580% | 7,362 |
| Core capital (leverage) ratio | 5.8837% | 7,314 |
| Tier 1 risk-based capital ratio | 8.4993% | 7,304 |
| Total risk-based capital ratio | 9.7747% | 7,310 |
| Memoranda: | ||
| Average total assets | $950,386,000 | 706 |
| Average earning assets | $872,751,000 | 695 |
| Average equity | $71,878,800 | 934 |
| Average total loans | $705,126,200 | 622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 3,073 |
| Cost of funding earning assets | 1.7335% | 1,707 |
| Net interest margin | 3.6271% | 4,744 |
| Noninterest income to average assets | 0.3078% | 5,689 |
| Noninterest expense to average assets | 2.6944% | 4,905 |
| Loan and lease loss provision to assets | 2.8276% | 326 |
| Net operating income to assets | -1.0888% | 6,943 |
| Return on assets (ROA) | -0.8272% | 6,841 |
| Pretax return on assets | -1.4857% | 7,039 |
| Return on Equity (ROE) | -10.3575% | 6,945 |
| Retained earnings to average equity (ytd only) | -10.3575% | 6,897 |
| Net charge-offs to loans | 3.4535% | 402 |
| Credit loss provision to net charge-offs | 109.6350% | 3,872 |
| Earnings coverage of net charge-offs (x) | 0.3618% | 5,667 |
| Efficiency ratio | 74.1321% | 3,306 |
| Assets per employee ($millions) | 4.4733% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5102% | 1,312 |
| Loan loss allowance to noncurrent loans | 117.6352% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 2.7317% | 2,651 |
| Noncurrent loans to loans | 2.1339% | 3,534 |
| Net loans and leases to total assets | 73.5424% | 1,898 |
| Net loans and leases to deposits | 93.2202% | 1,297 |
| Net loans and leases to core deposits | 146.8762% | 204 |
| Total domestic deposits to total assets | 78.8910% | 6,047 |
| Equity capital to assets | 8.4923% | 6,283 |
| Core capital (leverage) ratio | 7.7295% | 6,640 |
| Tier 1 risk-based capital ratio | 10.0766% | 7,025 |
| Total risk-based capital ratio | 11.3417% | 6,998 |
| Memoranda: | ||
| Average total assets | $951,817,750 | 703 |
| Average earning assets | $871,208,000 | 691 |
| Average equity | $76,014,000 | 869 |
| Average total loans | $710,844,250 | 614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 3,304 |
| Cost of funding earning assets | 1.7460% | 1,889 |
| Net interest margin | 3.5863% | 4,877 |
| Noninterest income to average assets | 0.2722% | 5,976 |
| Noninterest expense to average assets | 2.7343% | 4,765 |
| Loan and lease loss provision to assets | 1.0679% | 1,353 |
| Net operating income to assets | -0.1695% | 6,316 |
| Return on assets (ROA) | 0.1189% | 5,918 |
| Pretax return on assets | 0.0447% | 6,082 |
| Return on Equity (ROE) | 1.5199% | 5,796 |
| Retained earnings to average equity (ytd only) | 1.5199% | 5,110 |
| Net charge-offs to loans | 0.9837% | 1,878 |
| Credit loss provision to net charge-offs | 145.8262% | 2,715 |
| Earnings coverage of net charge-offs (x) | 1.1255% | 4,662 |
| Efficiency ratio | 76.6930% | 2,953 |
| Assets per employee ($millions) | 4.5161% | 2,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4331% | 1,393 |
| Loan loss allowance to noncurrent loans | 89.1697% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 3.4669% | 2,030 |
| Noncurrent loans to loans | 2.7286% | 2,920 |
| Net loans and leases to total assets | 73.4571% | 2,045 |
| Net loans and leases to deposits | 93.8982% | 1,288 |
| Net loans and leases to core deposits | 152.8663% | 201 |
| Total domestic deposits to total assets | 78.2306% | 6,215 |
| Equity capital to assets | 8.0353% | 6,719 |
| Core capital (leverage) ratio | 7.7027% | 6,604 |
| Tier 1 risk-based capital ratio | 10.3294% | 6,816 |
| Total risk-based capital ratio | 13.2681% | 5,261 |
| Memoranda: | ||
| Average total assets | $961,920,670 | 687 |
| Average earning assets | $881,453,330 | 678 |
| Average equity | $75,266,330 | 872 |
| Average total loans | $716,075,670 | 614 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 3,925 |
| Cost of funding earning assets | 1.7402% | 2,183 |
| Net interest margin | 3.4778% | 5,254 |
| Noninterest income to average assets | 0.2871% | 5,848 |
| Noninterest expense to average assets | 2.7256% | 4,784 |
| Loan and lease loss provision to assets | 0.8491% | 1,495 |
| Net operating income to assets | -0.0058% | 6,302 |
| Return on assets (ROA) | 0.0989% | 6,127 |
| Pretax return on assets | 0.0082% | 6,337 |
| Return on Equity (ROE) | 1.2804% | 6,039 |
| Retained earnings to average equity (ytd only) | 1.2804% | 5,302 |
| Net charge-offs to loans | 0.6884% | 2,113 |
| Credit loss provision to net charge-offs | 166.6128% | 2,196 |
| Earnings coverage of net charge-offs (x) | 1.4770% | 3,851 |
| Efficiency ratio | 78.2068% | 2,861 |
| Assets per employee ($millions) | 4.6532% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2838% | 1,603 |
| Loan loss allowance to noncurrent loans | 77.5522% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 3.4274% | 2,057 |
| Noncurrent loans to loans | 2.9449% | 2,732 |
| Net loans and leases to total assets | 72.9405% | 2,221 |
| Net loans and leases to deposits | 92.8695% | 1,491 |
| Net loans and leases to core deposits | 149.6586% | 244 |
| Total domestic deposits to total assets | 78.5409% | 6,192 |
| Equity capital to assets | 7.7826% | 6,857 |
| Core capital (leverage) ratio | 7.6900% | 6,636 |
| Tier 1 risk-based capital ratio | 10.2643% | 6,827 |
| Total risk-based capital ratio | 13.1994% | 5,211 |
| Memoranda: | ||
| Average total assets | $970,948,500 | 698 |
| Average earning assets | $890,915,500 | 685 |
| Average equity | $74,978,500 | 879 |
| Average total loans | $718,800,500 | 629 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4158% | 4,618 |
| Cost of funding earning assets | 2.0593% | 2,687 |
| Net interest margin | 3.3565% | 5,536 |
| Noninterest income to average assets | 0.4806% | 4,560 |
| Noninterest expense to average assets | 3.2080% | 3,348 |
| Loan and lease loss provision to assets | 1.6391% | 1,395 |
| Net operating income to assets | -0.9056% | 6,515 |
| Return on assets (ROA) | -0.7331% | 6,388 |
| Pretax return on assets | -1.0239% | 6,422 |
| Return on Equity (ROE) | -9.3036% | 6,566 |
| Retained earnings to average equity (ytd only) | -9.6828% | 6,495 |
| Net charge-offs to loans | 1.3184% | 1,893 |
| Credit loss provision to net charge-offs | 165.6956% | 2,628 |
| Earnings coverage of net charge-offs (x) | 0.3797% | 5,734 |
| Efficiency ratio | 71.3644% | 4,376 |
| Assets per employee ($millions) | 4.7283% | 2,573 |
| Cash dividends to net income (ytd only)* | -4.0751% | 7,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,667 |
| Loan loss allowance to noncurrent loans | 73.5652% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.2871% | 2,089 |
| Noncurrent loans to loans | 2.9797% | 2,580 |
| Net loans and leases to total assets | 71.8107% | 2,802 |
| Net loans and leases to deposits | 91.2054% | 2,013 |
| Net loans and leases to core deposits | 128.7805% | 1,349 |
| Total domestic deposits to total assets | 78.7351% | 6,050 |
| Equity capital to assets | 7.6622% | 6,891 |
| Core capital (leverage) ratio | 7.8771% | 6,349 |
| Tier 1 risk-based capital ratio | 10.2116% | 6,669 |
| Total risk-based capital ratio | 13.1432% | 4,994 |
| Memoranda: | ||
| Average total assets | $943,896,600 | 712 |
| Average earning assets | $872,607,000 | 695 |
| Average equity | $74,379,600 | 871 |
| Average total loans | $708,197,200 | 656 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4995% | 4,421 |
| Cost of funding earning assets | 2.1407% | 2,707 |
| Net interest margin | 3.3588% | 5,412 |
| Noninterest income to average assets | 0.4780% | 4,687 |
| Noninterest expense to average assets | 2.5079% | 6,045 |
| Loan and lease loss provision to assets | 1.4947% | 1,285 |
| Net operating income to assets | -0.1395% | 5,969 |
| Return on assets (ROA) | 0.0347% | 5,687 |
| Pretax return on assets | -0.1413% | 5,900 |
| Return on Equity (ROE) | 0.4378% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.4378% | 5,018 |
| Net charge-offs to loans | 0.7007% | 2,596 |
| Credit loss provision to net charge-offs | 282.7094% | 1,487 |
| Earnings coverage of net charge-offs (x) | 2.0450% | 4,286 |
| Efficiency ratio | 69.6937% | 4,647 |
| Assets per employee ($millions) | 4.6493% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2702% | 1,328 |
| Loan loss allowance to noncurrent loans | 58.5392% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 3.7998% | 1,707 |
| Noncurrent loans to loans | 3.8781% | 1,908 |
| Net loans and leases to total assets | 75.5830% | 2,084 |
| Net loans and leases to deposits | 97.3987% | 1,395 |
| Net loans and leases to core deposits | 136.3499% | 1,081 |
| Total domestic deposits to total assets | 77.6017% | 6,194 |
| Equity capital to assets | 8.0877% | 6,758 |
| Core capital (leverage) ratio | 7.1596% | 7,300 |
| Tier 1 risk-based capital ratio | 9.4022% | 7,435 |
| Total risk-based capital ratio | 12.3527% | 5,802 |
| Memoranda: | ||
| Average total assets | $936,363,500 | 729 |
| Average earning assets | $867,299,750 | 710 |
| Average equity | $74,316,500 | 882 |
| Average total loans | $706,463,250 | 675 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4682% | 4,793 |
| Cost of funding earning assets | 2.2041% | 2,772 |
| Net interest margin | 3.2641% | 5,689 |
| Noninterest income to average assets | 0.4643% | 4,750 |
| Noninterest expense to average assets | 2.5054% | 6,108 |
| Loan and lease loss provision to assets | 1.2816% | 1,335 |
| Net operating income to assets | -0.0740% | 5,961 |
| Return on assets (ROA) | 0.0940% | 5,679 |
| Pretax return on assets | -0.0339% | 5,911 |
| Return on Equity (ROE) | 1.1916% | 5,574 |
| Retained earnings to average equity (ytd only) | 1.1916% | 4,682 |
| Net charge-offs to loans | 0.6457% | 2,418 |
| Credit loss provision to net charge-offs | 265.2845% | 1,755 |
| Earnings coverage of net charge-offs (x) | 2.0393% | 4,065 |
| Efficiency ratio | 71.5873% | 4,487 |
| Assets per employee ($millions) | 4.5682% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 1,914 |
| Loan loss allowance to noncurrent loans | 48.3412% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.3642% | 1,856 |
| Noncurrent loans to loans | 3.8262% | 1,785 |
| Net loans and leases to total assets | 74.9361% | 2,453 |
| Net loans and leases to deposits | 95.3914% | 1,891 |
| Net loans and leases to core deposits | 128.5303% | 1,677 |
| Total domestic deposits to total assets | 78.5564% | 5,937 |
| Equity capital to assets | 7.8373% | 6,933 |
| Core capital (leverage) ratio | 7.1855% | 7,373 |
| Tier 1 risk-based capital ratio | 9.3186% | 7,524 |
| Total risk-based capital ratio | 11.6556% | 6,415 |
| Memoranda: | ||
| Average total assets | $938,529,330 | 746 |
| Average earning assets | $870,120,670 | 725 |
| Average equity | $74,020,330 | 898 |
| Average total loans | $702,235,330 | 699 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4533% | 5,166 |
| Cost of funding earning assets | 2.3257% | 2,595 |
| Net interest margin | 3.1276% | 6,113 |
| Noninterest income to average assets | 0.4340% | 4,928 |
| Noninterest expense to average assets | 2.3805% | 6,260 |
| Loan and lease loss provision to assets | 0.7008% | 1,812 |
| Net operating income to assets | 0.2225% | 5,593 |
| Return on assets (ROA) | 0.4242% | 4,940 |
| Pretax return on assets | 0.4831% | 5,131 |
| Return on Equity (ROE) | 5.3618% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.3618% | 2,930 |
| Net charge-offs to loans | 0.4224% | 2,413 |
| Credit loss provision to net charge-offs | 224.0109% | 2,029 |
| Earnings coverage of net charge-offs (x) | 3.0518% | 3,291 |
| Efficiency ratio | 71.1836% | 4,326 |
| Assets per employee ($millions) | 4.5622% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,094 |
| Loan loss allowance to noncurrent loans | 39.8916% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 2.9679% | 1,904 |
| Noncurrent loans to loans | 3.7066% | 1,683 |
| Net loans and leases to total assets | 73.0238% | 3,000 |
| Net loans and leases to deposits | 92.0832% | 2,587 |
| Net loans and leases to core deposits | 121.5865% | 2,285 |
| Total domestic deposits to total assets | 79.3020% | 5,605 |
| Equity capital to assets | 7.8266% | 7,033 |
| Core capital (leverage) ratio | 7.3278% | 7,347 |
| Tier 1 risk-based capital ratio | 9.5630% | 7,375 |
| Total risk-based capital ratio | 10.8159% | 7,310 |
| Memoranda: | ||
| Average total assets | $937,273,000 | 748 |
| Average earning assets | $869,424,500 | 731 |
| Average equity | $74,154,500 | 903 |
| Average total loans | $694,118,500 | 716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4028% | 3,407 |
| Cost of funding earning assets | 2.9953% | 1,884 |
| Net interest margin | 3.4075% | 5,631 |
| Noninterest income to average assets | 0.5605% | 4,156 |
| Noninterest expense to average assets | 2.6164% | 5,586 |
| Loan and lease loss provision to assets | 0.4029% | 3,267 |
| Net operating income to assets | 0.5066% | 4,700 |
| Return on assets (ROA) | 0.5581% | 4,346 |
| Pretax return on assets | 0.7573% | 4,220 |
| Return on Equity (ROE) | 6.6700% | 3,682 |
| Retained earnings to average equity (ytd only) | -1.2428% | 5,666 |
| Net charge-offs to loans | 0.2968% | 3,413 |
| Credit loss provision to net charge-offs | 181.6004% | 2,761 |
| Earnings coverage of net charge-offs (x) | 4.9156% | 3,814 |
| Efficiency ratio | 70.4297% | 4,263 |
| Assets per employee ($millions) | 4.4281% | 2,730 |
| Cash dividends to net income (ytd only)* | 118.6323% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,196 |
| Loan loss allowance to noncurrent loans | 43.6705% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 2.5016% | 1,938 |
| Noncurrent loans to loans | 3.2062% | 1,641 |
| Net loans and leases to total assets | 72.9565% | 3,369 |
| Net loans and leases to deposits | 92.7709% | 3,002 |
| Net loans and leases to core deposits | 125.0201% | 2,250 |
| Total domestic deposits to total assets | 78.6416% | 5,504 |
| Equity capital to assets | 7.9999% | 6,844 |
| Core capital (leverage) ratio | 7.4350% | 7,279 |
| Tier 1 risk-based capital ratio | 9.4383% | 7,378 |
| Total risk-based capital ratio | 10.6896% | 7,288 |
| Memoranda: | ||
| Average total assets | $827,977,800 | 821 |
| Average earning assets | $764,558,400 | 809 |
| Average equity | $69,280,200 | 968 |
| Average total loans | $618,981,800 | 772 |