Home > Franklin Templeton Bank and Trust, F.S.B. > Performance and Condition Ratios
Franklin Templeton Bank and Trust, F.S.B., Performance and Condition Ratios
| 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 | 0.5440% | 6,252 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.5440% | 6,249 |
| Noninterest income to average assets | 36.0824% | 29 |
| Noninterest expense to average assets | 34.6088% | 28 |
| Loan and lease loss provision to assets | -0.0068% | 5,810 |
| Net operating income to assets | 0.7604% | 3,632 |
| Return on assets (ROA) | 0.7604% | 3,729 |
| Pretax return on assets | 1.7507% | 992 |
| Return on Equity (ROE) | 0.8624% | 5,876 |
| Retained earnings to average equity (ytd only) | 0.8624% | 5,360 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2027% | 446 |
| Assets per employee ($millions) | 2.8875% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,278 |
| Equity capital to assets | 80.5186% | 26 |
| Core capital (leverage) ratio | 84.1485% | 22 |
| Tier 1 risk-based capital ratio | 269.7653% | 21 |
| Total risk-based capital ratio | 269.7653% | 21 |
| Memoranda: | ||
| Average total assets | $39,449,500 | 5,850 |
| Average earning assets | $19,607,000 | 6,148 |
| Average equity | $34,785,000 | 2,066 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5892% | 6,327 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.5892% | 6,326 |
| Noninterest income to average assets | 37.2992% | 31 |
| Noninterest expense to average assets | 35.2238% | 28 |
| Loan and lease loss provision to assets | -0.0105% | 5,963 |
| Net operating income to assets | 1.4727% | 944 |
| Return on assets (ROA) | 1.4727% | 994 |
| Pretax return on assets | 2.3794% | 298 |
| Return on Equity (ROE) | 1.6170% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.6170% | 4,888 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6986% | 540 |
| Assets per employee ($millions) | 2.7035% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,357 |
| Equity capital to assets | 86.0574% | 17 |
| Core capital (leverage) ratio | 88.0003% | 15 |
| Tier 1 risk-based capital ratio | 294.3173% | 19 |
| Total risk-based capital ratio | 294.3173% | 19 |
| Memoranda: | ||
| Average total assets | $38,161,670 | 5,940 |
| Average earning assets | $19,010,330 | 6,230 |
| Average equity | $34,755,000 | 2,072 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5870% | 6,401 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.5870% | 6,397 |
| Noninterest income to average assets | 38.7053% | 29 |
| Noninterest expense to average assets | 37.2986% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0496% | 2,035 |
| Return on assets (ROA) | 1.0496% | 2,181 |
| Pretax return on assets | 1.6772% | 1,096 |
| Return on Equity (ROE) | 1.1187% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.1187% | 5,034 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6968% | 516 |
| Assets per employee ($millions) | 2.5523% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 1.3060% | 6,410 |
| Equity capital to assets | 90.7141% | 10 |
| Core capital (leverage) ratio | 93.8920% | 9 |
| Tier 1 risk-based capital ratio | 380.6644% | 13 |
| Total risk-based capital ratio | 380.6644% | 13 |
| Memoranda: | ||
| Average total assets | $36,966,500 | 6,027 |
| Average earning assets | $17,036,500 | 6,320 |
| Average equity | $34,683,500 | 2,087 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6257% | 6,484 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.6257% | 6,482 |
| Noninterest income to average assets | 21.2155% | 38 |
| Noninterest expense to average assets | 16.8295% | 44 |
| Loan and lease loss provision to assets | -0.0574% | 6,056 |
| Net operating income to assets | 2.9589% | 97 |
| Return on assets (ROA) | 3.0457% | 88 |
| Pretax return on assets | 4.9075% | 55 |
| Return on Equity (ROE) | 3.4314% | 5,317 |
| Retained earnings to average equity (ytd only) | 3.4314% | 3,772 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1167% | 2,194 |
| Assets per employee ($millions) | 2.2281% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 1.4054% | 6,500 |
| Equity capital to assets | 97.1640% | 2 |
| Core capital (leverage) ratio | 97.0350% | 3 |
| Tier 1 risk-based capital ratio | 569.2282% | 3 |
| Total risk-based capital ratio | 569.2282% | 3 |
| Memoranda: | ||
| Average total assets | $38,349,400 | 6,070 |
| Average earning assets | $20,137,600 | 6,367 |
| Average equity | $34,038,400 | 2,052 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6281% | 6,567 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 0.6281% | 6,567 |
| Noninterest income to average assets | 13.4510% | 55 |
| Noninterest expense to average assets | 8.6268% | 93 |
| Loan and lease loss provision to assets | -0.0581% | 6,208 |
| Net operating income to assets | 3.2414% | 87 |
| Return on assets (ROA) | 3.3551% | 77 |
| Pretax return on assets | 5.3948% | 56 |
| Return on Equity (ROE) | 3.8636% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.8636% | 3,905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5774% | 4,798 |
| Assets per employee ($millions) | 2.5584% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 1.1588% | 6,581 |
| Equity capital to assets | 79.0196% | 26 |
| Core capital (leverage) ratio | 79.1047% | 26 |
| Tier 1 risk-based capital ratio | 241.2862% | 21 |
| Total risk-based capital ratio | 241.2862% | 21 |
| Memoranda: | ||
| Average total assets | $39,024,500 | 6,139 |
| Average earning assets | $20,802,250 | 6,433 |
| Average equity | $33,888,500 | 2,058 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6276% | 6,629 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.6276% | 6,629 |
| Noninterest income to average assets | 14.4345% | 53 |
| Noninterest expense to average assets | 9.8415% | 78 |
| Loan and lease loss provision to assets | -0.0693% | 6,333 |
| Net operating income to assets | 3.0943% | 90 |
| Return on assets (ROA) | 3.2716% | 80 |
| Pretax return on assets | 5.3017% | 59 |
| Return on Equity (ROE) | 3.6408% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.6408% | 3,871 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5106% | 4,281 |
| Assets per employee ($millions) | 2.1269% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 1.2472% | 6,648 |
| Equity capital to assets | 84.0938% | 20 |
| Core capital (leverage) ratio | 84.2225% | 17 |
| Tier 1 risk-based capital ratio | 285.6328% | 19 |
| Total risk-based capital ratio | 285.6328% | 19 |
| Memoranda: | ||
| Average total assets | $37,535,000 | 6,227 |
| Average earning assets | $21,671,330 | 6,479 |
| Average equity | $33,728,670 | 2,057 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6639% | 6,709 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.6639% | 6,707 |
| Noninterest income to average assets | 15.2923% | 48 |
| Noninterest expense to average assets | 9.8846% | 78 |
| Loan and lease loss provision to assets | -0.0776% | 6,478 |
| Net operating income to assets | 4.3858% | 55 |
| Return on assets (ROA) | 4.8204% | 52 |
| Pretax return on assets | 6.4937% | 45 |
| Return on Equity (ROE) | 5.1784% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1784% | 3,005 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9055% | 5,011 |
| Assets per employee ($millions) | 1.8787% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 1.3627% | 6,716 |
| Equity capital to assets | 89.9156% | 13 |
| Core capital (leverage) ratio | 90.1046% | 11 |
| Tier 1 risk-based capital ratio | 367.7493% | 16 |
| Total risk-based capital ratio | 367.7493% | 16 |
| Memoranda: | ||
| Average total assets | $36,096,500 | 6,325 |
| Average earning assets | $22,894,000 | 6,530 |
| Average equity | $33,601,000 | 2,053 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9870% | 6,715 |
| Cost of funding earning assets | 2.2596% | 6 |
| Net interest margin | -0.2726% | 6,810 |
| Noninterest income to average assets | 4.1060% | 162 |
| Noninterest expense to average assets | 9.5257% | 87 |
| Loan and lease loss provision to assets | -0.0972% | 6,475 |
| Net operating income to assets | -3.4238% | 6,777 |
| Return on assets (ROA) | -3.4604% | 6,775 |
| Pretax return on assets | -5.6201% | 6,803 |
| Return on Equity (ROE) | -11.1161% | 6,595 |
| Retained earnings to average equity (ytd only) | -11.1161% | 6,553 |
| Net charge-offs to loans | 0.4026% | 1,675 |
| Credit loss provision to net charge-offs | -81.1594% | 5,842 |
| Earnings coverage of net charge-offs (x) | -47.2681% | 5,457 |
| Efficiency ratio | 246.4198% | 17 |
| Assets per employee ($millions) | 1.8221% | 6,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 1.4789% | 6,799 |
| Equity capital to assets | 96.5280% | 6 |
| Core capital (leverage) ratio | 96.5309% | 7 |
| Tier 1 risk-based capital ratio | 545.1713% | 5 |
| Total risk-based capital ratio | 545.1713% | 5 |
| Memoranda: | ||
| Average total assets | $115,246,400 | 4,380 |
| Average earning assets | $101,610,800 | 4,470 |
| Average equity | $35,875,800 | 1,921 |
| Average total loans | $34,278,600 | 5,570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1749% | 6,775 |
| Cost of funding earning assets | 2.4150% | 4 |
| Net interest margin | -0.2401% | 6,889 |
| Noninterest income to average assets | 3.4582% | 201 |
| Noninterest expense to average assets | 8.4014% | 105 |
| Loan and lease loss provision to assets | -0.1034% | 6,633 |
| Net operating income to assets | -3.1110% | 6,854 |
| Return on assets (ROA) | -3.1500% | 6,853 |
| Pretax return on assets | -5.1155% | 6,877 |
| Return on Equity (ROE) | -11.6887% | 6,709 |
| Retained earnings to average equity (ytd only) | -11.6887% | 6,668 |
| Net charge-offs to loans | 0.4139% | 1,557 |
| Credit loss provision to net charge-offs | -78.9474% | 5,749 |
| Earnings coverage of net charge-offs (x) | -39.3832% | 5,196 |
| Efficiency ratio | 259.0164% | 12 |
| Assets per employee ($millions) | 2.7977% | 6,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0690% | 1,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 0.8827% | 6,849 |
| Net loans and leases to deposits | 2.7748% | 6,850 |
| Net loans and leases to core deposits | 64.1808% | 4,886 |
| Total domestic deposits to total assets | 31.8114% | 6,844 |
| Equity capital to assets | 53.2620% | 40 |
| Core capital (leverage) ratio | 53.1609% | 37 |
| Tier 1 risk-based capital ratio | 151.3561% | 34 |
| Total risk-based capital ratio | 151.4092% | 34 |
| Memoranda: | ||
| Average total assets | $135,403,000 | 4,004 |
| Average earning assets | $121,073,500 | 4,072 |
| Average equity | $36,490,250 | 1,912 |
| Average total loans | $42,848,250 | 5,283 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9181% | 6,851 |
| Cost of funding earning assets | 2.1162% | 7 |
| Net interest margin | -0.1981% | 6,937 |
| Noninterest income to average assets | 2.7268% | 287 |
| Noninterest expense to average assets | 3.5125% | 1,578 |
| Loan and lease loss provision to assets | -0.3407% | 6,847 |
| Net operating income to assets | -0.3948% | 6,601 |
| Return on assets (ROA) | -0.3948% | 6,623 |
| Pretax return on assets | -0.6286% | 6,669 |
| Return on Equity (ROE) | -1.6868% | 6,506 |
| Retained earnings to average equity (ytd only) | -1.6868% | 6,155 |
| Net charge-offs to loans | -0.9870% | 6,866 |
| Credit loss provision to net charge-offs | 96.4413% | 2,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1117% | 102 |
| Assets per employee ($millions) | 6.0541% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5654% | 6,651 |
| Loan loss allowance to noncurrent loans | 88.1356% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 5,865 |
| Noncurrent loans to loans | 0.6415% | 4,659 |
| Net loans and leases to total assets | 32.8388% | 6,467 |
| Net loans and leases to deposits | 112.6561% | 108 |
| Net loans and leases to core deposits | 217.7014% | 40 |
| Total domestic deposits to total assets | 29.1496% | 6,899 |
| Equity capital to assets | 26.7056% | 74 |
| Core capital (leverage) ratio | 26.6381% | 70 |
| Tier 1 risk-based capital ratio | 87.7481% | 51 |
| Total risk-based capital ratio | 88.3632% | 51 |
| Memoranda: | ||
| Average total assets | $159,088,000 | 3,629 |
| Average earning assets | $147,436,330 | 3,604 |
| Average equity | $37,229,330 | 1,878 |
| Average total loans | $56,937,670 | 4,784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8840% | 6,934 |
| Cost of funding earning assets | 2.0906% | 7 |
| Net interest margin | -0.2065% | 7,015 |
| Noninterest income to average assets | 2.6271% | 298 |
| Noninterest expense to average assets | 3.1028% | 2,664 |
| Loan and lease loss provision to assets | -0.5869% | 6,967 |
| Net operating income to assets | -0.0331% | 6,383 |
| Return on assets (ROA) | -0.0331% | 6,441 |
| Pretax return on assets | -0.0828% | 6,471 |
| Return on Equity (ROE) | -0.1503% | 6,437 |
| Retained earnings to average equity (ytd only) | -0.1503% | 5,806 |
| Net charge-offs to loans | -1.7432% | 6,951 |
| Credit loss provision to net charge-offs | 91.1765% | 2,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5292% | 166 |
| Assets per employee ($millions) | 5.8841% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 6,817 |
| Loan loss allowance to noncurrent loans | 72.4868% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 5,856 |
| Noncurrent loans to loans | 0.6424% | 4,838 |
| Net loans and leases to total assets | 36.8672% | 6,236 |
| Net loans and leases to deposits | 113.5603% | 100 |
| Net loans and leases to core deposits | 267.0329% | 36 |
| Total domestic deposits to total assets | 32.4649% | 6,968 |
| Equity capital to assets | 23.5929% | 110 |
| Core capital (leverage) ratio | 23.5362% | 101 |
| Tier 1 risk-based capital ratio | 76.3897% | 70 |
| Total risk-based capital ratio | 76.9495% | 70 |
| Memoranda: | ||
| Average total assets | $169,010,000 | 3,518 |
| Average earning assets | $158,807,500 | 3,457 |
| Average equity | $37,251,000 | 1,904 |
| Average total loans | $62,413,500 | 4,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 6,391 |
| Cost of funding earning assets | 1.8945% | 41 |
| Net interest margin | 1.5732% | 6,988 |
| Noninterest income to average assets | 1.6556% | 584 |
| Noninterest expense to average assets | 2.9658% | 3,400 |
| Loan and lease loss provision to assets | 0.2730% | 2,461 |
| Net operating income to assets | -0.0696% | 6,257 |
| Return on assets (ROA) | 0.2734% | 5,775 |
| Pretax return on assets | 0.3741% | 5,646 |
| Return on Equity (ROE) | 1.7675% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.7675% | 4,970 |
| Net charge-offs to loans | 2.0226% | 356 |
| Credit loss provision to net charge-offs | 24.2987% | 5,218 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,413 |
| Efficiency ratio | 94.3612% | 781 |
| Assets per employee ($millions) | 6.6352% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3789% | 6,909 |
| Loan loss allowance to noncurrent loans | 13.4844% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 1.0349% | 3,961 |
| Noncurrent loans to loans | 2.8099% | 1,875 |
| Net loans and leases to total assets | 36.6910% | 6,392 |
| Net loans and leases to deposits | 126.5147% | 52 |
| Net loans and leases to core deposits | 294.5906% | 36 |
| Total domestic deposits to total assets | 29.0014% | 7,040 |
| Equity capital to assets | 20.6642% | 198 |
| Core capital (leverage) ratio | 20.8792% | 169 |
| Tier 1 risk-based capital ratio | 66.8711% | 82 |
| Total risk-based capital ratio | 67.3180% | 83 |
| Memoranda: | ||
| Average total assets | $244,315,800 | 2,583 |
| Average earning assets | $230,989,400 | 2,496 |
| Average equity | $37,794,200 | 1,836 |
| Average total loans | $135,718,600 | 2,780 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 5,979 |
| Cost of funding earning assets | 1.8703% | 47 |
| Net interest margin | 1.9483% | 7,047 |
| Noninterest income to average assets | 1.4371% | 725 |
| Noninterest expense to average assets | 2.4818% | 5,135 |
| Loan and lease loss provision to assets | 0.3965% | 1,617 |
| Net operating income to assets | 0.3003% | 5,616 |
| Return on assets (ROA) | 0.3003% | 5,818 |
| Pretax return on assets | 0.3985% | 5,722 |
| Return on Equity (ROE) | 2.0603% | 6,005 |
| Retained earnings to average equity (ytd only) | 2.0603% | 5,290 |
| Net charge-offs to loans | 2.3984% | 265 |
| Credit loss provision to net charge-offs | 28.1307% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.5641% | 5,040 |
| Efficiency ratio | 75.7377% | 2,713 |
| Assets per employee ($millions) | 6.9812% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4388% | 6,990 |
| Loan loss allowance to noncurrent loans | 18.7601% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 4,318 |
| Noncurrent loans to loans | 2.3388% | 2,466 |
| Net loans and leases to total assets | 41.8930% | 6,138 |
| Net loans and leases to deposits | 111.5735% | 138 |
| Net loans and leases to core deposits | 262.9450% | 43 |
| Total domestic deposits to total assets | 37.5475% | 7,130 |
| Equity capital to assets | 20.3542% | 231 |
| Core capital (leverage) ratio | 19.7998% | 214 |
| Tier 1 risk-based capital ratio | 47.1052% | 154 |
| Total risk-based capital ratio | 47.5445% | 161 |
| Memoranda: | ||
| Average total assets | $260,607,250 | 2,454 |
| Average earning assets | $246,092,250 | 2,388 |
| Average equity | $37,987,750 | 1,849 |
| Average total loans | $153,152,750 | 2,556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9270% | 5,844 |
| Cost of funding earning assets | 1.7389% | 87 |
| Net interest margin | 2.1881% | 7,046 |
| Noninterest income to average assets | 1.6336% | 556 |
| Noninterest expense to average assets | 2.5519% | 4,953 |
| Loan and lease loss provision to assets | 0.5150% | 1,222 |
| Net operating income to assets | 0.3422% | 5,459 |
| Return on assets (ROA) | 0.4434% | 5,293 |
| Pretax return on assets | 0.8122% | 4,436 |
| Return on Equity (ROE) | 3.3332% | 5,549 |
| Retained earnings to average equity (ytd only) | 3.3332% | 4,385 |
| Net charge-offs to loans | 3.1086% | 184 |
| Credit loss provision to net charge-offs | 26.5291% | 4,495 |
| Earnings coverage of net charge-offs (x) | 0.6022% | 4,764 |
| Efficiency ratio | 68.5801% | 4,025 |
| Assets per employee ($millions) | 8.2491% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2320% | 7,141 |
| Loan loss allowance to noncurrent loans | 13.3993% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8697% | 4,636 |
| Noncurrent loans to loans | 1.7314% | 3,304 |
| Net loans and leases to total assets | 50.1156% | 5,338 |
| Net loans and leases to deposits | 90.9676% | 1,050 |
| Net loans and leases to core deposits | 133.3541% | 191 |
| Total domestic deposits to total assets | 55.0917% | 7,164 |
| Equity capital to assets | 14.9796% | 794 |
| Core capital (leverage) ratio | 14.6112% | 674 |
| Tier 1 risk-based capital ratio | 30.0842% | 514 |
| Total risk-based capital ratio | 30.3242% | 551 |
| Memoranda: | ||
| Average total assets | $284,645,670 | 2,271 |
| Average earning assets | $271,557,670 | 2,176 |
| Average equity | $37,861,670 | 1,845 |
| Average total loans | $177,766,000 | 2,262 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 5,558 |
| Cost of funding earning assets | 1.7111% | 119 |
| Net interest margin | 2.3558% | 7,038 |
| Noninterest income to average assets | 1.5593% | 597 |
| Noninterest expense to average assets | 2.6278% | 4,716 |
| Loan and lease loss provision to assets | 0.9321% | 467 |
| Net operating income to assets | 0.0669% | 6,299 |
| Return on assets (ROA) | 0.0669% | 6,419 |
| Pretax return on assets | 0.2621% | 6,056 |
| Return on Equity (ROE) | 0.5314% | 6,432 |
| Retained earnings to average equity (ytd only) | 0.5314% | 5,827 |
| Net charge-offs to loans | 5.1457% | 89 |
| Credit loss provision to net charge-offs | 26.7665% | 3,675 |
| Earnings coverage of net charge-offs (x) | 0.3429% | 4,191 |
| Efficiency ratio | 68.7544% | 4,027 |
| Assets per employee ($millions) | 8.5725% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2143% | 7,199 |
| Loan loss allowance to noncurrent loans | 18.6862% | 6,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7964% | 4,954 |
| Noncurrent loans to loans | 1.1470% | 4,416 |
| Net loans and leases to total assets | 69.2878% | 1,889 |
| Net loans and leases to deposits | 115.1719% | 95 |
| Net loans and leases to core deposits | 169.9552% | 70 |
| Total domestic deposits to total assets | 60.1603% | 7,195 |
| Equity capital to assets | 13.3318% | 1,300 |
| Core capital (leverage) ratio | 13.0020% | 1,129 |
| Tier 1 risk-based capital ratio | 17.6408% | 2,429 |
| Total risk-based capital ratio | 17.8427% | 2,826 |
| Memoranda: | ||
| Average total assets | $299,108,000 | 2,172 |
| Average earning assets | $287,296,000 | 2,080 |
| Average equity | $37,639,500 | 1,851 |
| Average total loans | $202,422,000 | 2,013 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 5,083 |
| Cost of funding earning assets | 1.7433% | 270 |
| Net interest margin | 2.7544% | 6,878 |
| Noninterest income to average assets | 1.5757% | 543 |
| Noninterest expense to average assets | 2.5151% | 5,421 |
| Loan and lease loss provision to assets | 0.5174% | 2,032 |
| Net operating income to assets | 0.7374% | 3,307 |
| Return on assets (ROA) | 0.8025% | 3,193 |
| Pretax return on assets | 1.3055% | 2,110 |
| Return on Equity (ROE) | 7.2039% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.2039% | 1,405 |
| Net charge-offs to loans | 1.0720% | 1,611 |
| Credit loss provision to net charge-offs | 71.4045% | 4,803 |
| Earnings coverage of net charge-offs (x) | 2.3754% | 4,031 |
| Efficiency ratio | 59.3709% | 5,849 |
| Assets per employee ($millions) | 9.5552% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,751 |
| Loan loss allowance to noncurrent loans | 99.5725% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 5,159 |
| Noncurrent loans to loans | 1.1223% | 4,478 |
| Net loans and leases to total assets | 65.3564% | 2,908 |
| Net loans and leases to deposits | 99.8048% | 465 |
| Net loans and leases to core deposits | 153.6946% | 125 |
| Total domestic deposits to total assets | 65.4842% | 7,141 |
| Equity capital to assets | 11.9129% | 2,191 |
| Core capital (leverage) ratio | 11.7071% | 1,760 |
| Tier 1 risk-based capital ratio | 17.1783% | 2,523 |
| Total risk-based capital ratio | 18.2675% | 2,550 |
| Memoranda: | ||
| Average total assets | $327,222,200 | 1,969 |
| Average earning assets | $316,074,600 | 1,865 |
| Average equity | $36,452,400 | 1,857 |
| Average total loans | $221,184,600 | 1,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6394% | 4,710 |
| Cost of funding earning assets | 1.7581% | 309 |
| Net interest margin | 2.8813% | 6,778 |
| Noninterest income to average assets | 1.6075% | 512 |
| Noninterest expense to average assets | 2.5475% | 5,292 |
| Loan and lease loss provision to assets | 0.6982% | 1,385 |
| Net operating income to assets | 0.7042% | 3,600 |
| Return on assets (ROA) | 0.7042% | 3,766 |
| Pretax return on assets | 1.1439% | 2,843 |
| Return on Equity (ROE) | 6.4280% | 3,808 |
| Retained earnings to average equity (ytd only) | 6.4280% | 2,274 |
| Net charge-offs to loans | 1.1629% | 1,354 |
| Credit loss provision to net charge-offs | 88.3495% | 3,827 |
| Earnings coverage of net charge-offs (x) | 2.3311% | 3,959 |
| Efficiency ratio | 58.0351% | 6,006 |
| Assets per employee ($millions) | 10.2801% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 5,926 |
| Loan loss allowance to noncurrent loans | 78.5127% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 4,819 |
| Noncurrent loans to loans | 1.3903% | 4,210 |
| Net loans and leases to total assets | 68.3370% | 2,417 |
| Net loans and leases to deposits | 102.0186% | 387 |
| Net loans and leases to core deposits | 170.5412% | 89 |
| Total domestic deposits to total assets | 66.9848% | 7,170 |
| Equity capital to assets | 11.2328% | 2,933 |
| Core capital (leverage) ratio | 10.9576% | 2,426 |
| Tier 1 risk-based capital ratio | 15.1911% | 3,553 |
| Total risk-based capital ratio | 16.2425% | 3,635 |
| Memoranda: | ||
| Average total assets | $330,197,250 | 1,965 |
| Average earning assets | $318,826,750 | 1,859 |
| Average equity | $36,174,500 | 1,870 |
| Average total loans | $224,377,750 | 1,861 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 4,831 |
| Cost of funding earning assets | 1.8038% | 305 |
| Net interest margin | 2.8290% | 6,889 |
| Noninterest income to average assets | 1.6104% | 502 |
| Noninterest expense to average assets | 2.5317% | 5,430 |
| Loan and lease loss provision to assets | 0.6975% | 1,358 |
| Net operating income to assets | 0.6872% | 3,617 |
| Return on assets (ROA) | 0.6872% | 3,731 |
| Pretax return on assets | 1.1137% | 2,795 |
| Return on Equity (ROE) | 6.3260% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.3260% | 2,228 |
| Net charge-offs to loans | 0.8335% | 1,838 |
| Credit loss provision to net charge-offs | 123.8453% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.2159% | 3,264 |
| Efficiency ratio | 58.2950% | 6,124 |
| Assets per employee ($millions) | 10.0153% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,503 |
| Loan loss allowance to noncurrent loans | 139.5726% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,178 |
| Noncurrent loans to loans | 1.1812% | 4,680 |
| Net loans and leases to total assets | 70.5101% | 2,111 |
| Net loans and leases to deposits | 102.8421% | 353 |
| Net loans and leases to core deposits | 144.5402% | 162 |
| Total domestic deposits to total assets | 68.5615% | 7,167 |
| Equity capital to assets | 11.3711% | 2,624 |
| Core capital (leverage) ratio | 11.0641% | 2,195 |
| Tier 1 risk-based capital ratio | 14.4800% | 3,795 |
| Total risk-based capital ratio | 15.7338% | 3,772 |
| Memoranda: | ||
| Average total assets | $330,608,330 | 1,971 |
| Average earning assets | $319,330,330 | 1,868 |
| Average equity | $35,915,330 | 1,866 |
| Average total loans | $223,408,670 | 1,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5692% | 5,086 |
| Cost of funding earning assets | 1.8410% | 325 |
| Net interest margin | 2.7282% | 6,987 |
| Noninterest income to average assets | 1.5348% | 555 |
| Noninterest expense to average assets | 2.5716% | 5,325 |
| Loan and lease loss provision to assets | 0.2955% | 2,795 |
| Net operating income to assets | 0.8044% | 3,008 |
| Return on assets (ROA) | 0.8044% | 3,073 |
| Pretax return on assets | 1.3025% | 2,034 |
| Return on Equity (ROE) | 7.5733% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.5733% | 1,909 |
| Net charge-offs to loans | 0.8936% | 1,481 |
| Credit loss provision to net charge-offs | 50.4065% | 3,740 |
| Earnings coverage of net charge-offs (x) | 2.7256% | 2,989 |
| Efficiency ratio | 61.6748% | 5,727 |
| Assets per employee ($millions) | 11.1310% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4938% | 4,243 |
| Loan loss allowance to noncurrent loans | 374.5209% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 6,560 |
| Noncurrent loans to loans | 0.3989% | 6,197 |
| Net loans and leases to total assets | 61.5004% | 3,966 |
| Net loans and leases to deposits | 82.1113% | 2,343 |
| Net loans and leases to core deposits | 120.1607% | 414 |
| Total domestic deposits to total assets | 74.8989% | 6,810 |
| Equity capital to assets | 10.0702% | 3,687 |
| Core capital (leverage) ratio | 9.8128% | 3,373 |
| Tier 1 risk-based capital ratio | 14.4479% | 3,774 |
| Total risk-based capital ratio | 15.6997% | 3,733 |
| Memoranda: | ||
| Average total assets | $335,668,000 | 1,953 |
| Average earning assets | $324,169,000 | 1,850 |
| Average equity | $35,651,500 | 1,861 |
| Average total loans | $220,230,500 | 1,924 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 5,780 |
| Cost of funding earning assets | 1.9951% | 619 |
| Net interest margin | 2.7115% | 7,109 |
| Noninterest income to average assets | 1.5920% | 574 |
| Noninterest expense to average assets | 2.6237% | 5,318 |
| Loan and lease loss provision to assets | 0.6367% | 2,586 |
| Net operating income to assets | 0.5832% | 3,743 |
| Return on assets (ROA) | 0.5984% | 3,840 |
| Pretax return on assets | 0.9571% | 3,078 |
| Return on Equity (ROE) | 5.6030% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.6030% | 2,057 |
| Net charge-offs to loans | 1.6175% | 1,342 |
| Credit loss provision to net charge-offs | 63.1789% | 6,026 |
| Earnings coverage of net charge-offs (x) | 1.5578% | 4,573 |
| Efficiency ratio | 62.5618% | 5,613 |
| Assets per employee ($millions) | 9.2690% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 3,449 |
| Loan loss allowance to noncurrent loans | 370.6861% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 6,480 |
| Noncurrent loans to loans | 0.4411% | 6,159 |
| Net loans and leases to total assets | 68.0683% | 2,970 |
| Net loans and leases to deposits | 96.0779% | 860 |
| Net loans and leases to core deposits | 153.4512% | 165 |
| Total domestic deposits to total assets | 70.8471% | 7,183 |
| Equity capital to assets | 11.2437% | 2,462 |
| Core capital (leverage) ratio | 10.8986% | 2,230 |
| Tier 1 risk-based capital ratio | 14.4571% | 3,577 |
| Total risk-based capital ratio | 15.7103% | 3,526 |
| Memoranda: | ||
| Average total assets | $323,363,600 | 2,009 |
| Average earning assets | $310,265,800 | 1,915 |
| Average equity | $34,534,800 | 1,915 |
| Average total loans | $201,484,000 | 2,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7095% | 5,985 |
| Cost of funding earning assets | 1.9863% | 787 |
| Net interest margin | 2.7232% | 7,206 |
| Noninterest income to average assets | 1.5578% | 574 |
| Noninterest expense to average assets | 2.6361% | 5,171 |
| Loan and lease loss provision to assets | 0.4650% | 3,143 |
| Net operating income to assets | 0.6669% | 3,560 |
| Return on assets (ROA) | 0.6871% | 3,633 |
| Pretax return on assets | 1.0972% | 2,837 |
| Return on Equity (ROE) | 6.5169% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.5169% | 2,082 |
| Net charge-offs to loans | 1.6067% | 1,226 |
| Credit loss provision to net charge-offs | 47.7292% | 5,919 |
| Earnings coverage of net charge-offs (x) | 1.5711% | 4,547 |
| Efficiency ratio | 63.2645% | 5,389 |
| Assets per employee ($millions) | 8.5630% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 3,089 |
| Loan loss allowance to noncurrent loans | 400.2273% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 6,684 |
| Noncurrent loans to loans | 0.4304% | 6,336 |
| Net loans and leases to total assets | 63.4233% | 4,231 |
| Net loans and leases to deposits | 88.1855% | 1,984 |
| Net loans and leases to core deposits | 160.4638% | 147 |
| Total domestic deposits to total assets | 71.9203% | 7,141 |
| Equity capital to assets | 11.0823% | 2,873 |
| Core capital (leverage) ratio | 10.7513% | 2,468 |
| Tier 1 risk-based capital ratio | 14.9771% | 3,261 |
| Total risk-based capital ratio | 16.2309% | 3,246 |
| Memoranda: | ||
| Average total assets | $325,418,250 | 2,023 |
| Average earning assets | $311,787,500 | 1,938 |
| Average equity | $34,310,000 | 1,957 |
| Average total loans | $197,335,000 | 2,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 6,061 |
| Cost of funding earning assets | 1.9961% | 920 |
| Net interest margin | 2.7281% | 7,225 |
| Noninterest income to average assets | 1.5462% | 533 |
| Noninterest expense to average assets | 2.5375% | 5,582 |
| Loan and lease loss provision to assets | 0.4277% | 3,188 |
| Net operating income to assets | 0.7487% | 3,202 |
| Return on assets (ROA) | 0.7487% | 3,353 |
| Pretax return on assets | 1.1923% | 2,442 |
| Return on Equity (ROE) | 7.2204% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.2204% | 1,746 |
| Net charge-offs to loans | 1.7881% | 1,043 |
| Credit loss provision to net charge-offs | 40.2754% | 5,610 |
| Earnings coverage of net charge-offs (x) | 1.5255% | 4,346 |
| Efficiency ratio | 61.0346% | 5,849 |
| Assets per employee ($millions) | 8.4682% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 2,458 |
| Loan loss allowance to noncurrent loans | 350.0000% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 6,574 |
| Noncurrent loans to loans | 0.5384% | 6,174 |
| Net loans and leases to total assets | 61.8859% | 4,704 |
| Net loans and leases to deposits | 88.2248% | 2,137 |
| Net loans and leases to core deposits | 165.5375% | 147 |
| Total domestic deposits to total assets | 70.1457% | 7,317 |
| Equity capital to assets | 11.1166% | 2,758 |
| Core capital (leverage) ratio | 10.7353% | 2,442 |
| Tier 1 risk-based capital ratio | 14.9673% | 3,163 |
| Total risk-based capital ratio | 16.2224% | 3,133 |
| Memoranda: | ||
| Average total assets | $328,281,000 | 2,020 |
| Average earning assets | $314,209,000 | 1,937 |
| Average equity | $34,042,670 | 1,960 |
| Average total loans | $194,958,000 | 2,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 6,587 |
| Cost of funding earning assets | 2.0682% | 894 |
| Net interest margin | 2.5208% | 7,456 |
| Noninterest income to average assets | 1.4618% | 558 |
| Noninterest expense to average assets | 2.4994% | 5,735 |
| Loan and lease loss provision to assets | 0.4956% | 2,520 |
| Net operating income to assets | 0.5814% | 3,981 |
| Return on assets (ROA) | 0.5814% | 4,124 |
| Pretax return on assets | 0.8887% | 3,511 |
| Return on Equity (ROE) | 5.8012% | 3,965 |
| Retained earnings to average equity (ytd only) | 5.8012% | 2,714 |
| Net charge-offs to loans | 1.7477% | 990 |
| Credit loss provision to net charge-offs | 49.1726% | 4,504 |
| Earnings coverage of net charge-offs (x) | 1.3735% | 3,922 |
| Efficiency ratio | 64.3558% | 5,423 |
| Assets per employee ($millions) | 9.3558% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2202% | 1,709 |
| Loan loss allowance to noncurrent loans | 1,067.7340% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 7,168 |
| Noncurrent loans to loans | 0.2079% | 6,919 |
| Net loans and leases to total assets | 58.3050% | 5,382 |
| Net loans and leases to deposits | 85.0022% | 2,765 |
| Net loans and leases to core deposits | 184.7110% | 122 |
| Total domestic deposits to total assets | 68.5923% | 7,495 |
| Equity capital to assets | 10.4476% | 3,297 |
| Core capital (leverage) ratio | 10.0368% | 3,122 |
| Tier 1 risk-based capital ratio | 14.4769% | 3,391 |
| Total risk-based capital ratio | 15.7352% | 3,356 |
| Memoranda: | ||
| Average total assets | $335,759,000 | 2,036 |
| Average earning assets | $322,592,500 | 1,930 |
| Average equity | $33,648,500 | 2,003 |
| Average total loans | $193,623,000 | 2,335 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 6,665 |
| Cost of funding earning assets | 2.1990% | 2,040 |
| Net interest margin | 2.7208% | 7,182 |
| Noninterest income to average assets | 1.4645% | 668 |
| Noninterest expense to average assets | 2.8734% | 4,642 |
| Loan and lease loss provision to assets | 0.8356% | 2,635 |
| Net operating income to assets | 0.2107% | 4,868 |
| Return on assets (ROA) | 0.2161% | 4,905 |
| Pretax return on assets | 0.3749% | 4,565 |
| Return on Equity (ROE) | 2.2458% | 4,812 |
| Retained earnings to average equity (ytd only) | 2.2458% | 3,545 |
| Net charge-offs to loans | 2.1810% | 1,102 |
| Credit loss provision to net charge-offs | 71.1094% | 6,470 |
| Earnings coverage of net charge-offs (x) | 1.0229% | 5,092 |
| Efficiency ratio | 70.5072% | 4,523 |
| Assets per employee ($millions) | 9.8305% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4819% | 1,253 |
| Loan loss allowance to noncurrent loans | 803.5413% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 7,050 |
| Noncurrent loans to loans | 0.3089% | 6,661 |
| Net loans and leases to total assets | 54.4154% | 6,153 |
| Net loans and leases to deposits | 77.2100% | 4,526 |
| Net loans and leases to core deposits | 84.9440% | 5,625 |
| Total domestic deposits to total assets | 70.4772% | 7,378 |
| Equity capital to assets | 9.6162% | 4,253 |
| Core capital (leverage) ratio | 9.3870% | 3,847 |
| Tier 1 risk-based capital ratio | 13.9607% | 3,522 |
| Total risk-based capital ratio | 15.2207% | 3,470 |
| Memoranda: | ||
| Average total assets | $327,558,000 | 2,068 |
| Average earning assets | $314,318,600 | 1,984 |
| Average equity | $31,525,000 | 2,125 |
| Average total loans | $176,479,400 | 2,557 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1580% | 6,073 |
| Cost of funding earning assets | 2.2343% | 2,258 |
| Net interest margin | 2.9237% | 6,793 |
| Noninterest income to average assets | 1.4235% | 739 |
| Noninterest expense to average assets | 2.9899% | 4,086 |
| Loan and lease loss provision to assets | 0.8908% | 2,158 |
| Net operating income to assets | 0.2016% | 5,150 |
| Return on assets (ROA) | 0.2090% | 5,204 |
| Pretax return on assets | 0.3586% | 4,908 |
| Return on Equity (ROE) | 2.1711% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.1711% | 4,112 |
| Net charge-offs to loans | 2.2239% | 863 |
| Credit loss provision to net charge-offs | 75.0608% | 5,879 |
| Earnings coverage of net charge-offs (x) | 1.0431% | 5,013 |
| Efficiency ratio | 70.7196% | 4,465 |
| Assets per employee ($millions) | 8.6085% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8978% | 725 |
| Loan loss allowance to noncurrent loans | 1,055.0102% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 7,154 |
| Noncurrent loans to loans | 0.2747% | 6,824 |
| Net loans and leases to total assets | 54.2742% | 6,351 |
| Net loans and leases to deposits | 76.3451% | 4,979 |
| Net loans and leases to core deposits | 80.0641% | 6,346 |
| Total domestic deposits to total assets | 71.0906% | 7,325 |
| Equity capital to assets | 10.0617% | 4,013 |
| Core capital (leverage) ratio | 10.0386% | 3,244 |
| Tier 1 risk-based capital ratio | 14.9182% | 3,078 |
| Total risk-based capital ratio | 16.1826% | 3,007 |
| Memoranda: | ||
| Average total assets | $323,431,000 | 2,107 |
| Average earning assets | $310,242,250 | 2,023 |
| Average equity | $31,134,750 | 2,177 |
| Average total loans | $172,601,750 | 2,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3388% | 5,454 |
| Cost of funding earning assets | 2.2693% | 2,493 |
| Net interest margin | 3.0695% | 6,337 |
| Noninterest income to average assets | 1.2957% | 908 |
| Noninterest expense to average assets | 2.9397% | 4,335 |
| Loan and lease loss provision to assets | 1.1284% | 1,522 |
| Net operating income to assets | 0.0640% | 5,666 |
| Return on assets (ROA) | 0.0751% | 5,728 |
| Pretax return on assets | 0.1877% | 5,500 |
| Return on Equity (ROE) | 0.7914% | 5,694 |
| Retained earnings to average equity (ytd only) | 0.7914% | 4,872 |
| Net charge-offs to loans | 2.2800% | 780 |
| Credit loss provision to net charge-offs | 94.1962% | 4,795 |
| Earnings coverage of net charge-offs (x) | 1.0842% | 4,703 |
| Efficiency ratio | 69.3569% | 4,908 |
| Assets per employee ($millions) | 8.9307% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3163% | 446 |
| Loan loss allowance to noncurrent loans | 1,730.9309% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 7,320 |
| Noncurrent loans to loans | 0.1916% | 7,035 |
| Net loans and leases to total assets | 52.2682% | 6,650 |
| Net loans and leases to deposits | 87.9099% | 3,189 |
| Net loans and leases to core deposits | 91.8685% | 5,365 |
| Total domestic deposits to total assets | 59.4566% | 7,947 |
| Equity capital to assets | 9.9799% | 3,967 |
| Core capital (leverage) ratio | 9.8463% | 3,454 |
| Tier 1 risk-based capital ratio | 14.9282% | 3,051 |
| Total risk-based capital ratio | 16.1966% | 2,986 |
| Memoranda: | ||
| Average total assets | $325,069,330 | 2,121 |
| Average earning assets | $311,642,000 | 2,044 |
| Average equity | $30,830,330 | 2,203 |
| Average total loans | $170,792,000 | 2,676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2316% | 6,181 |
| Cost of funding earning assets | 2.3081% | 2,660 |
| Net interest margin | 2.9235% | 6,688 |
| Noninterest income to average assets | 1.2360% | 940 |
| Noninterest expense to average assets | 2.8466% | 4,355 |
| Loan and lease loss provision to assets | 1.7745% | 694 |
| Net operating income to assets | -0.7636% | 7,107 |
| Return on assets (ROA) | -0.7636% | 7,141 |
| Pretax return on assets | -0.5825% | 6,889 |
| Return on Equity (ROE) | -8.2642% | 7,255 |
| Retained earnings to average equity (ytd only) | -8.2642% | 6,938 |
| Net charge-offs to loans | 2.9654% | 429 |
| Credit loss provision to net charge-offs | 115.5378% | 3,374 |
| Earnings coverage of net charge-offs (x) | 0.7761% | 4,403 |
| Efficiency ratio | 70.4848% | 4,481 |
| Assets per employee ($millions) | 8.5979% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6060% | 297 |
| Loan loss allowance to noncurrent loans | 1,331.5789% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 7,162 |
| Noncurrent loans to loans | 0.2708% | 6,757 |
| Net loans and leases to total assets | 49.6795% | 6,892 |
| Net loans and leases to deposits | 89.8181% | 2,960 |
| Net loans and leases to core deposits | 95.2480% | 5,041 |
| Total domestic deposits to total assets | 55.3113% | 8,051 |
| Equity capital to assets | 9.4316% | 4,769 |
| Core capital (leverage) ratio | 9.4326% | 4,063 |
| Tier 1 risk-based capital ratio | 14.6603% | 3,222 |
| Total risk-based capital ratio | 15.9304% | 3,144 |
| Memoranda: | ||
| Average total assets | $326,851,500 | 2,127 |
| Average earning assets | $313,327,000 | 2,044 |
| Average equity | $30,202,500 | 2,256 |
| Average total loans | $169,283,500 | 2,710 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2751% | 4,095 |
| Cost of funding earning assets | 2.8045% | 2,688 |
| Net interest margin | 3.4706% | 5,399 |
| Noninterest income to average assets | 2.1081% | 316 |
| Noninterest expense to average assets | 3.5534% | 2,256 |
| Loan and lease loss provision to assets | 2.8261% | 334 |
| Net operating income to assets | -0.5628% | 6,970 |
| Return on assets (ROA) | -0.2723% | 6,552 |
| Pretax return on assets | -0.5207% | 6,670 |
| Return on Equity (ROE) | -2.1192% | 6,525 |
| Retained earnings to average equity (ytd only) | -2.1192% | 5,908 |
| Net charge-offs to loans | 1.8222% | 601 |
| Credit loss provision to net charge-offs | 319.2572% | 1,415 |
| Earnings coverage of net charge-offs (x) | 2.0917% | 5,028 |
| Efficiency ratio | 65.7430% | 5,182 |
| Assets per employee ($millions) | 8.6048% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4534% | 292 |
| Loan loss allowance to noncurrent loans | 519.1696% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,210 |
| Noncurrent loans to loans | 0.6652% | 5,373 |
| Net loans and leases to total assets | 50.2488% | 7,010 |
| Net loans and leases to deposits | 94.7866% | 2,649 |
| Net loans and leases to core deposits | 101.9926% | 4,614 |
| Total domestic deposits to total assets | 53.0125% | 8,097 |
| Equity capital to assets | 9.0494% | 5,307 |
| Core capital (leverage) ratio | 9.5302% | 3,974 |
| Tier 1 risk-based capital ratio | 14.7868% | 3,154 |
| Total risk-based capital ratio | 16.0554% | 3,062 |
| Memoranda: | ||
| Average total assets | $246,381,000 | 2,590 |
| Average earning assets | $234,051,200 | 2,519 |
| Average equity | $31,663,600 | 2,139 |
| Average total loans | $119,689,000 | 3,464 |