Home > Fraternity Federal Savings and Loan Association > Performance and Condition Ratios
Fraternity Federal Savings and Loan Association, Performance and Condition Ratios
| 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 | 3.7658% | 4,077 |
| Cost of funding earning assets | 1.1949% | 57 |
| Net interest margin | 2.5708% | 5,746 |
| Noninterest income to average assets | 0.1317% | 5,686 |
| Noninterest expense to average assets | 2.3275% | 4,583 |
| Loan and lease loss provision to assets | -0.0025% | 5,864 |
| Net operating income to assets | 0.1639% | 5,593 |
| Return on assets (ROA) | 0.1639% | 5,650 |
| Pretax return on assets | 0.2062% | 5,636 |
| Return on Equity (ROE) | 1.1283% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.1283% | 4,788 |
| Net charge-offs to loans | -0.0035% | 4,207 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9529% | 552 |
| Assets per employee ($millions) | 6.4376% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 2,507 |
| Loan loss allowance to noncurrent loans | 124.7987% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,769 |
| Noncurrent loans to loans | 1.1071% | 2,187 |
| Net loans and leases to total assets | 68.7465% | 2,537 |
| Net loans and leases to deposits | 95.0605% | 1,038 |
| Net loans and leases to core deposits | 100.4102% | 1,450 |
| Total domestic deposits to total assets | 72.3187% | 5,749 |
| Equity capital to assets | 14.5881% | 810 |
| Core capital (leverage) ratio | 14.5301% | 696 |
| Tier 1 risk-based capital ratio | 26.8248% | 684 |
| Total risk-based capital ratio | 28.0810% | 669 |
| Memoranda: | ||
| Average total assets | $161,029,000 | 3,432 |
| Average earning assets | $150,300,500 | 3,421 |
| Average equity | $23,399,000 | 2,886 |
| Average total loans | $113,162,500 | 3,197 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8664% | 3,826 |
| Cost of funding earning assets | 1.1695% | 64 |
| Net interest margin | 2.6968% | 5,647 |
| Noninterest income to average assets | 0.1403% | 5,708 |
| Noninterest expense to average assets | 2.6031% | 3,913 |
| Loan and lease loss provision to assets | 0.5595% | 199 |
| Net operating income to assets | -0.2996% | 5,991 |
| Return on assets (ROA) | -0.2961% | 5,997 |
| Pretax return on assets | -0.5017% | 6,044 |
| Return on Equity (ROE) | -2.0443% | 5,983 |
| Retained earnings to average equity (ytd only) | -2.0443% | 5,755 |
| Net charge-offs to loans | 0.8589% | 252 |
| Credit loss provision to net charge-offs | 90.0892% | 2,758 |
| Earnings coverage of net charge-offs (x) | 0.0842% | 4,262 |
| Efficiency ratio | 98.0297% | 337 |
| Assets per employee ($millions) | 6.1969% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,629 |
| Loan loss allowance to noncurrent loans | 122.2397% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7870% | 2,709 |
| Noncurrent loans to loans | 1.1110% | 2,116 |
| Net loans and leases to total assets | 69.8769% | 2,380 |
| Net loans and leases to deposits | 96.4797% | 963 |
| Net loans and leases to core deposits | 101.6587% | 1,388 |
| Total domestic deposits to total assets | 72.4266% | 5,769 |
| Equity capital to assets | 14.4738% | 776 |
| Core capital (leverage) ratio | 14.4381% | 729 |
| Tier 1 risk-based capital ratio | 26.3653% | 717 |
| Total risk-based capital ratio | 27.6203% | 694 |
| Memoranda: | ||
| Average total assets | $162,459,200 | 3,399 |
| Average earning assets | $151,511,400 | 3,379 |
| Average equity | $23,529,400 | 2,831 |
| Average total loans | $117,473,600 | 3,087 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 3,829 |
| Cost of funding earning assets | 1.1610% | 69 |
| Net interest margin | 2.7147% | 5,706 |
| Noninterest income to average assets | 0.1499% | 5,738 |
| Noninterest expense to average assets | 2.6135% | 3,826 |
| Loan and lease loss provision to assets | 0.7428% | 105 |
| Net operating income to assets | -0.3438% | 6,101 |
| Return on assets (ROA) | -0.3391% | 6,111 |
| Pretax return on assets | -0.6675% | 6,154 |
| Return on Equity (ROE) | -2.3408% | 6,083 |
| Retained earnings to average equity (ytd only) | -2.3408% | 5,889 |
| Net charge-offs to loans | 1.1349% | 151 |
| Credit loss provision to net charge-offs | 90.0695% | 2,470 |
| Earnings coverage of net charge-offs (x) | 0.0824% | 3,984 |
| Efficiency ratio | 97.4649% | 374 |
| Assets per employee ($millions) | 5.9779% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 2,900 |
| Loan loss allowance to noncurrent loans | 119.7836% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.8370% | 2,781 |
| Noncurrent loans to loans | 1.1196% | 2,264 |
| Net loans and leases to total assets | 70.6474% | 2,291 |
| Net loans and leases to deposits | 97.5841% | 851 |
| Net loans and leases to core deposits | 103.0892% | 1,298 |
| Total domestic deposits to total assets | 72.3964% | 5,837 |
| Equity capital to assets | 14.5090% | 854 |
| Core capital (leverage) ratio | 14.4926% | 740 |
| Tier 1 risk-based capital ratio | 25.9379% | 770 |
| Total risk-based capital ratio | 27.1932% | 756 |
| Memoranda: | ||
| Average total assets | $162,794,250 | 3,432 |
| Average earning assets | $151,814,250 | 3,399 |
| Average equity | $23,581,750 | 2,848 |
| Average total loans | $118,308,250 | 3,101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 3,627 |
| Cost of funding earning assets | 1.1492% | 74 |
| Net interest margin | 2.7672% | 5,680 |
| Noninterest income to average assets | 0.1335% | 5,888 |
| Noninterest expense to average assets | 2.5726% | 3,996 |
| Loan and lease loss provision to assets | 1.1430% | 55 |
| Net operating income to assets | -0.5510% | 6,201 |
| Return on assets (ROA) | -0.5439% | 6,208 |
| Pretax return on assets | -0.9898% | 6,257 |
| Return on Equity (ROE) | -3.7569% | 6,172 |
| Retained earnings to average equity (ytd only) | -3.7569% | 5,961 |
| Net charge-offs to loans | 1.5652% | 111 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 0.1243% | 3,700 |
| Efficiency ratio | 94.7653% | 489 |
| Assets per employee ($millions) | 5.7997% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 2,775 |
| Loan loss allowance to noncurrent loans | 112.6280% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 2,661 |
| Noncurrent loans to loans | 1.2402% | 2,177 |
| Net loans and leases to total assets | 71.7263% | 2,038 |
| Net loans and leases to deposits | 98.6366% | 740 |
| Net loans and leases to core deposits | 103.6586% | 1,212 |
| Total domestic deposits to total assets | 72.7177% | 5,896 |
| Equity capital to assets | 14.3167% | 875 |
| Core capital (leverage) ratio | 14.3093% | 758 |
| Tier 1 risk-based capital ratio | 25.6593% | 803 |
| Total risk-based capital ratio | 26.9154% | 787 |
| Memoranda: | ||
| Average total assets | $163,258,000 | 3,447 |
| Average earning assets | $152,286,000 | 3,413 |
| Average equity | $23,636,330 | 2,848 |
| Average total loans | $119,218,670 | 3,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,627 |
| Cost of funding earning assets | 1.1379% | 77 |
| Net interest margin | 2.7596% | 5,721 |
| Noninterest income to average assets | 0.1173% | 6,011 |
| Noninterest expense to average assets | 2.5389% | 4,141 |
| Loan and lease loss provision to assets | -0.0464% | 6,151 |
| Net operating income to assets | 0.1588% | 5,771 |
| Return on assets (ROA) | 0.1759% | 5,810 |
| Pretax return on assets | 0.2248% | 5,796 |
| Return on Equity (ROE) | 1.2086% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.2086% | 5,002 |
| Net charge-offs to loans | -0.0635% | 5,647 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1976% | 588 |
| Assets per employee ($millions) | 6.0731% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3730% | 3,047 |
| Loan loss allowance to noncurrent loans | 76.3535% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.3179% | 2,017 |
| Noncurrent loans to loans | 1.7983% | 1,512 |
| Net loans and leases to total assets | 72.2810% | 1,764 |
| Net loans and leases to deposits | 99.8399% | 574 |
| Net loans and leases to core deposits | 104.6247% | 1,025 |
| Total domestic deposits to total assets | 72.3968% | 6,018 |
| Equity capital to assets | 14.5822% | 808 |
| Core capital (leverage) ratio | 14.5745% | 674 |
| Tier 1 risk-based capital ratio | 25.9325% | 792 |
| Total risk-based capital ratio | 27.1881% | 773 |
| Memoranda: | ||
| Average total assets | $163,691,500 | 3,456 |
| Average earning assets | $152,919,000 | 3,420 |
| Average equity | $23,830,000 | 2,848 |
| Average total loans | $119,764,500 | 3,099 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,681 |
| Cost of funding earning assets | 1.1565% | 100 |
| Net interest margin | 2.8567% | 5,722 |
| Noninterest income to average assets | 0.1554% | 5,920 |
| Noninterest expense to average assets | 2.8559% | 3,278 |
| Loan and lease loss provision to assets | 0.0164% | 4,280 |
| Net operating income to assets | 0.0502% | 6,019 |
| Return on assets (ROA) | 0.0510% | 6,045 |
| Pretax return on assets | -0.0613% | 6,124 |
| Return on Equity (ROE) | 0.3592% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.3592% | 5,615 |
| Net charge-offs to loans | -0.0805% | 6,062 |
| Credit loss provision to net charge-offs | -28.4211% | 5,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6422% | 333 |
| Assets per employee ($millions) | 5.8360% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3824% | 3,028 |
| Loan loss allowance to noncurrent loans | 79.5564% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2692% | 2,223 |
| Noncurrent loans to loans | 1.7376% | 1,667 |
| Net loans and leases to total assets | 72.0321% | 1,909 |
| Net loans and leases to deposits | 99.1568% | 671 |
| Net loans and leases to core deposits | 104.1673% | 1,122 |
| Total domestic deposits to total assets | 72.6447% | 6,043 |
| Equity capital to assets | 14.5335% | 799 |
| Core capital (leverage) ratio | 14.5726% | 690 |
| Tier 1 risk-based capital ratio | 26.3506% | 733 |
| Total risk-based capital ratio | 27.6076% | 716 |
| Memoranda: | ||
| Average total assets | $164,710,000 | 3,414 |
| Average earning assets | $153,042,400 | 3,392 |
| Average equity | $23,385,600 | 2,812 |
| Average total loans | $118,024,000 | 3,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,690 |
| Cost of funding earning assets | 1.1544% | 107 |
| Net interest margin | 2.8650% | 5,771 |
| Noninterest income to average assets | 0.1769% | 5,856 |
| Noninterest expense to average assets | 2.8680% | 3,237 |
| Loan and lease loss provision to assets | 0.1818% | 1,350 |
| Net operating income to assets | -0.0560% | 6,188 |
| Return on assets (ROA) | -0.0549% | 6,195 |
| Pretax return on assets | -0.2125% | 6,256 |
| Return on Equity (ROE) | -0.3892% | 6,182 |
| Retained earnings to average equity (ytd only) | -0.3892% | 5,862 |
| Net charge-offs to loans | -0.1099% | 6,168 |
| Credit loss provision to net charge-offs | -231.9588% | 5,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1396% | 342 |
| Assets per employee ($millions) | 5.2520% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 2,392 |
| Loan loss allowance to noncurrent loans | 87.3053% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.3156% | 2,349 |
| Noncurrent loans to loans | 1.8051% | 1,789 |
| Net loans and leases to total assets | 70.9659% | 2,032 |
| Net loans and leases to deposits | 97.5845% | 762 |
| Net loans and leases to core deposits | 102.1962% | 1,205 |
| Total domestic deposits to total assets | 72.7225% | 6,112 |
| Equity capital to assets | 14.3749% | 888 |
| Core capital (leverage) ratio | 14.5272% | 715 |
| Tier 1 risk-based capital ratio | 25.9992% | 787 |
| Total risk-based capital ratio | 27.2589% | 763 |
| Memoranda: | ||
| Average total assets | $165,035,250 | 3,437 |
| Average earning assets | $153,155,000 | 3,416 |
| Average equity | $23,294,750 | 2,828 |
| Average total loans | $117,690,750 | 3,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,453 |
| Cost of funding earning assets | 1.1487% | 116 |
| Net interest margin | 2.9237% | 5,688 |
| Noninterest income to average assets | 0.2087% | 5,704 |
| Noninterest expense to average assets | 2.9715% | 2,933 |
| Loan and lease loss provision to assets | -0.1134% | 6,393 |
| Net operating income to assets | 0.0869% | 6,069 |
| Return on assets (ROA) | 0.0869% | 6,096 |
| Pretax return on assets | 0.0591% | 6,137 |
| Return on Equity (ROE) | 0.6191% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.6191% | 5,487 |
| Net charge-offs to loans | -0.1596% | 6,285 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8610% | 356 |
| Assets per employee ($millions) | 5.1694% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 3,915 |
| Loan loss allowance to noncurrent loans | 65.8337% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 1.4170% | 2,306 |
| Noncurrent loans to loans | 1.9567% | 1,729 |
| Net loans and leases to total assets | 70.7853% | 1,952 |
| Net loans and leases to deposits | 96.7767% | 756 |
| Net loans and leases to core deposits | 101.8864% | 1,139 |
| Total domestic deposits to total assets | 73.1429% | 6,176 |
| Equity capital to assets | 14.2123% | 893 |
| Core capital (leverage) ratio | 14.3779% | 736 |
| Tier 1 risk-based capital ratio | 25.7453% | 801 |
| Total risk-based capital ratio | 26.9998% | 782 |
| Memoranda: | ||
| Average total assets | $165,776,330 | 3,445 |
| Average earning assets | $153,570,330 | 3,420 |
| Average equity | $23,258,330 | 2,823 |
| Average total loans | $117,790,670 | 3,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0976% | 3,296 |
| Cost of funding earning assets | 1.1525% | 118 |
| Net interest margin | 2.9452% | 5,656 |
| Noninterest income to average assets | 0.1036% | 6,321 |
| Noninterest expense to average assets | 3.0442% | 2,716 |
| Loan and lease loss provision to assets | -0.0072% | 6,388 |
| Net operating income to assets | -0.1036% | 6,286 |
| Return on assets (ROA) | -0.1036% | 6,297 |
| Pretax return on assets | -0.2169% | 6,355 |
| Return on Equity (ROE) | -0.7435% | 6,277 |
| Retained earnings to average equity (ytd only) | -0.7435% | 5,687 |
| Net charge-offs to loans | -0.0102% | 5,055 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9487% | 298 |
| Assets per employee ($millions) | 5.1737% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,188 |
| Loan loss allowance to noncurrent loans | 206.4865% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 1.6846% | 2,096 |
| Noncurrent loans to loans | 0.6237% | 4,302 |
| Net loans and leases to total assets | 70.7412% | 1,768 |
| Net loans and leases to deposits | 96.4220% | 627 |
| Net loans and leases to core deposits | 101.2247% | 1,021 |
| Total domestic deposits to total assets | 73.3663% | 6,285 |
| Equity capital to assets | 14.0344% | 910 |
| Core capital (leverage) ratio | 14.2561% | 741 |
| Tier 1 risk-based capital ratio | 25.2279% | 868 |
| Total risk-based capital ratio | 26.4827% | 849 |
| Memoranda: | ||
| Average total assets | $165,954,500 | 3,465 |
| Average earning assets | $153,065,000 | 3,459 |
| Average equity | $23,132,500 | 2,831 |
| Average total loans | $117,375,500 | 3,131 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 3,696 |
| Cost of funding earning assets | 1.2852% | 117 |
| Net interest margin | 2.8240% | 5,941 |
| Noninterest income to average assets | 0.1589% | 6,138 |
| Noninterest expense to average assets | 2.7793% | 3,801 |
| Loan and lease loss provision to assets | 0.1337% | 2,640 |
| Net operating income to assets | -0.0717% | 6,273 |
| Return on assets (ROA) | -0.0552% | 6,291 |
| Pretax return on assets | -0.1115% | 6,296 |
| Return on Equity (ROE) | -0.3912% | 6,286 |
| Retained earnings to average equity (ytd only) | -0.3912% | 5,949 |
| Net charge-offs to loans | 0.0775% | 4,130 |
| Credit loss provision to net charge-offs | 247.7778% | 923 |
| Earnings coverage of net charge-offs (x) | -0.0667% | 5,105 |
| Efficiency ratio | 100.1296% | 471 |
| Assets per employee ($millions) | 5.0410% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 4,059 |
| Loan loss allowance to noncurrent loans | 140.6998% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 1.8082% | 2,037 |
| Noncurrent loans to loans | 0.9354% | 3,649 |
| Net loans and leases to total assets | 68.8768% | 2,196 |
| Net loans and leases to deposits | 93.5079% | 914 |
| Net loans and leases to core deposits | 97.8179% | 1,316 |
| Total domestic deposits to total assets | 73.6589% | 6,307 |
| Equity capital to assets | 13.8441% | 952 |
| Core capital (leverage) ratio | 14.1897% | 775 |
| Tier 1 risk-based capital ratio | 25.7092% | 796 |
| Total risk-based capital ratio | 26.9643% | 782 |
| Memoranda: | ||
| Average total assets | $166,771,000 | 3,462 |
| Average earning assets | $154,530,400 | 3,424 |
| Average equity | $23,514,600 | 2,770 |
| Average total loans | $116,113,000 | 3,128 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 3,688 |
| Cost of funding earning assets | 1.2978% | 123 |
| Net interest margin | 2.8204% | 5,984 |
| Noninterest income to average assets | 0.1630% | 6,209 |
| Noninterest expense to average assets | 2.6774% | 4,104 |
| Loan and lease loss provision to assets | 0.1047% | 3,009 |
| Net operating income to assets | 0.0384% | 6,237 |
| Return on assets (ROA) | 0.0727% | 6,241 |
| Pretax return on assets | 0.0320% | 6,284 |
| Return on Equity (ROE) | 0.5133% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.5133% | 5,763 |
| Net charge-offs to loans | 0.0287% | 4,553 |
| Credit loss provision to net charge-offs | 524.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 5.1203% | 3,277 |
| Efficiency ratio | 96.3208% | 606 |
| Assets per employee ($millions) | 5.5073% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,493 |
| Loan loss allowance to noncurrent loans | 68.6328% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5239% | 1,517 |
| Noncurrent loans to loans | 1.8668% | 2,412 |
| Net loans and leases to total assets | 69.9976% | 1,970 |
| Net loans and leases to deposits | 95.5817% | 723 |
| Net loans and leases to core deposits | 99.6381% | 1,146 |
| Total domestic deposits to total assets | 73.2333% | 6,419 |
| Equity capital to assets | 14.1218% | 928 |
| Core capital (leverage) ratio | 14.4046% | 757 |
| Tier 1 risk-based capital ratio | 25.8445% | 799 |
| Total risk-based capital ratio | 27.0990% | 781 |
| Memoranda: | ||
| Average total assets | $166,875,750 | 3,495 |
| Average earning assets | $154,818,000 | 3,457 |
| Average equity | $23,635,750 | 2,790 |
| Average total loans | $116,114,750 | 3,142 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0871% | 3,789 |
| Cost of funding earning assets | 1.3140% | 133 |
| Net interest margin | 2.7731% | 6,058 |
| Noninterest income to average assets | 0.1804% | 6,130 |
| Noninterest expense to average assets | 2.5611% | 4,517 |
| Loan and lease loss provision to assets | -0.0143% | 6,585 |
| Net operating income to assets | 0.1710% | 5,972 |
| Return on assets (ROA) | 0.2126% | 5,991 |
| Pretax return on assets | 0.2640% | 5,965 |
| Return on Equity (ROE) | 1.4998% | 6,093 |
| Retained earnings to average equity (ytd only) | 1.4998% | 5,269 |
| Net charge-offs to loans | 0.0570% | 3,888 |
| Credit loss provision to net charge-offs | -36.3636% | 5,519 |
| Earnings coverage of net charge-offs (x) | 5.0303% | 2,980 |
| Efficiency ratio | 92.8139% | 831 |
| Assets per employee ($millions) | 5.0262% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 5,242 |
| Loan loss allowance to noncurrent loans | 45.0902% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 2.8632% | 1,434 |
| Noncurrent loans to loans | 2.5503% | 1,808 |
| Net loans and leases to total assets | 69.9668% | 1,889 |
| Net loans and leases to deposits | 95.4908% | 707 |
| Net loans and leases to core deposits | 98.5964% | 1,168 |
| Total domestic deposits to total assets | 73.2707% | 6,489 |
| Equity capital to assets | 14.1707% | 914 |
| Core capital (leverage) ratio | 14.4071% | 723 |
| Tier 1 risk-based capital ratio | 25.6858% | 802 |
| Total risk-based capital ratio | 26.9378% | 784 |
| Memoranda: | ||
| Average total assets | $167,427,670 | 3,504 |
| Average earning assets | $155,711,330 | 3,464 |
| Average equity | $23,737,000 | 2,795 |
| Average total loans | $115,769,330 | 3,151 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 3,777 |
| Cost of funding earning assets | 1.3359% | 134 |
| Net interest margin | 2.7510% | 6,127 |
| Noninterest income to average assets | 0.2045% | 6,018 |
| Noninterest expense to average assets | 2.6253% | 4,316 |
| Loan and lease loss provision to assets | 0.0499% | 3,788 |
| Net operating income to assets | 0.0785% | 6,191 |
| Return on assets (ROA) | 0.1665% | 6,092 |
| Pretax return on assets | 0.1926% | 6,095 |
| Return on Equity (ROE) | 1.1738% | 6,178 |
| Retained earnings to average equity (ytd only) | 1.1738% | 5,379 |
| Net charge-offs to loans | 0.2297% | 2,068 |
| Credit loss provision to net charge-offs | 31.8182% | 2,867 |
| Earnings coverage of net charge-offs (x) | 0.8939% | 3,539 |
| Efficiency ratio | 94.9269% | 777 |
| Assets per employee ($millions) | 5.2099% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,261 |
| Loan loss allowance to noncurrent loans | 43.0210% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 2.9379% | 1,533 |
| Noncurrent loans to loans | 2.7462% | 1,853 |
| Net loans and leases to total assets | 67.7291% | 2,065 |
| Net loans and leases to deposits | 92.4654% | 763 |
| Net loans and leases to core deposits | 95.2878% | 1,246 |
| Total domestic deposits to total assets | 73.2481% | 6,583 |
| Equity capital to assets | 14.3099% | 935 |
| Core capital (leverage) ratio | 14.3058% | 713 |
| Tier 1 risk-based capital ratio | 25.9082% | 794 |
| Total risk-based capital ratio | 27.1607% | 785 |
| Memoranda: | ||
| Average total assets | $168,210,000 | 3,531 |
| Average earning assets | $156,595,500 | 3,492 |
| Average equity | $23,853,500 | 2,818 |
| Average total loans | $114,954,500 | 3,183 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1208% | 4,881 |
| Cost of funding earning assets | 1.4979% | 165 |
| Net interest margin | 2.6229% | 6,614 |
| Noninterest income to average assets | 0.1758% | 6,141 |
| Noninterest expense to average assets | 2.4532% | 5,244 |
| Loan and lease loss provision to assets | 0.2325% | 2,806 |
| Net operating income to assets | 0.0035% | 6,162 |
| Return on assets (ROA) | 0.0775% | 6,189 |
| Pretax return on assets | 0.0208% | 6,258 |
| Return on Equity (ROE) | 0.5613% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.5613% | 5,570 |
| Net charge-offs to loans | 0.2267% | 3,577 |
| Credit loss provision to net charge-offs | 156.4202% | 1,726 |
| Earnings coverage of net charge-offs (x) | 1.2062% | 4,853 |
| Efficiency ratio | 93.1898% | 847 |
| Assets per employee ($millions) | 5.1425% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 5,083 |
| Loan loss allowance to noncurrent loans | 28.6565% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 3.8467% | 1,139 |
| Noncurrent loans to loans | 4.2095% | 1,072 |
| Net loans and leases to total assets | 67.3223% | 2,314 |
| Net loans and leases to deposits | 91.3107% | 963 |
| Net loans and leases to core deposits | 94.2562% | 1,445 |
| Total domestic deposits to total assets | 73.7288% | 6,558 |
| Equity capital to assets | 14.0540% | 1,029 |
| Core capital (leverage) ratio | 14.0165% | 797 |
| Tier 1 risk-based capital ratio | 24.6995% | 884 |
| Total risk-based capital ratio | 25.9524% | 873 |
| Memoranda: | ||
| Average total assets | $172,919,400 | 3,401 |
| Average earning assets | $161,958,200 | 3,351 |
| Average equity | $23,873,000 | 2,757 |
| Average total loans | $113,386,000 | 3,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 5,001 |
| Cost of funding earning assets | 1.5177% | 187 |
| Net interest margin | 2.6295% | 6,728 |
| Noninterest income to average assets | 0.1758% | 6,250 |
| Noninterest expense to average assets | 2.4199% | 5,343 |
| Loan and lease loss provision to assets | 0.2916% | 2,251 |
| Net operating income to assets | -0.0276% | 6,318 |
| Return on assets (ROA) | 0.0599% | 6,333 |
| Pretax return on assets | 0.0169% | 6,381 |
| Return on Equity (ROE) | 0.4355% | 6,354 |
| Retained earnings to average equity (ytd only) | 0.4355% | 5,963 |
| Net charge-offs to loans | 0.2777% | 3,057 |
| Credit loss provision to net charge-offs | 161.7021% | 1,722 |
| Earnings coverage of net charge-offs (x) | 1.2255% | 4,681 |
| Efficiency ratio | 91.6303% | 910 |
| Assets per employee ($millions) | 5.1565% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,025 |
| Loan loss allowance to noncurrent loans | 29.8077% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 3.7981% | 1,296 |
| Noncurrent loans to loans | 4.2073% | 1,179 |
| Net loans and leases to total assets | 64.5493% | 2,921 |
| Net loans and leases to deposits | 87.5081% | 1,413 |
| Net loans and leases to core deposits | 90.3194% | 1,950 |
| Total domestic deposits to total assets | 73.7639% | 6,619 |
| Equity capital to assets | 14.0398% | 1,140 |
| Core capital (leverage) ratio | 13.9528% | 852 |
| Tier 1 risk-based capital ratio | 25.0359% | 904 |
| Total risk-based capital ratio | 26.2888% | 896 |
| Memoranda: | ||
| Average total assets | $173,723,500 | 3,434 |
| Average earning assets | $162,869,000 | 3,374 |
| Average equity | $23,878,750 | 2,787 |
| Average total loans | $112,821,750 | 3,263 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 4,875 |
| Cost of funding earning assets | 1.5162% | 227 |
| Net interest margin | 2.7054% | 6,702 |
| Noninterest income to average assets | 0.1635% | 6,358 |
| Noninterest expense to average assets | 2.3944% | 5,480 |
| Loan and lease loss provision to assets | 0.2035% | 3,039 |
| Net operating income to assets | 0.0859% | 6,194 |
| Return on assets (ROA) | 0.1875% | 6,130 |
| Pretax return on assets | 0.2401% | 6,074 |
| Return on Equity (ROE) | 1.3738% | 6,220 |
| Retained earnings to average equity (ytd only) | 1.3738% | 5,506 |
| Net charge-offs to loans | 0.3141% | 2,774 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.5393% | 4,223 |
| Efficiency ratio | 88.4291% | 1,196 |
| Assets per employee ($millions) | 5.4634% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,681 |
| Loan loss allowance to noncurrent loans | 48.3372% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.4481% | 2,280 |
| Noncurrent loans to loans | 2.3223% | 2,575 |
| Net loans and leases to total assets | 62.9796% | 3,237 |
| Net loans and leases to deposits | 86.2305% | 1,570 |
| Net loans and leases to core deposits | 88.7658% | 2,123 |
| Total domestic deposits to total assets | 73.0364% | 6,742 |
| Equity capital to assets | 13.6866% | 1,221 |
| Core capital (leverage) ratio | 13.6268% | 928 |
| Tier 1 risk-based capital ratio | 24.2599% | 984 |
| Total risk-based capital ratio | 25.5103% | 969 |
| Memoranda: | ||
| Average total assets | $174,909,330 | 3,437 |
| Average earning assets | $164,488,330 | 3,353 |
| Average equity | $23,874,670 | 2,780 |
| Average total loans | $113,350,330 | 3,265 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2520% | 4,917 |
| Cost of funding earning assets | 1.5279% | 251 |
| Net interest margin | 2.7241% | 6,746 |
| Noninterest income to average assets | 0.1783% | 6,313 |
| Noninterest expense to average assets | 2.4304% | 5,370 |
| Loan and lease loss provision to assets | 0.1669% | 3,307 |
| Net operating income to assets | 0.1303% | 6,174 |
| Return on assets (ROA) | 0.1303% | 6,299 |
| Pretax return on assets | 0.1532% | 6,287 |
| Return on Equity (ROE) | 0.9561% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.9561% | 5,689 |
| Net charge-offs to loans | 0.2554% | 2,646 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.9178% | 3,371 |
| Efficiency ratio | 88.3624% | 1,237 |
| Assets per employee ($millions) | 5.6313% | 1,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,931 |
| Loan loss allowance to noncurrent loans | 32.0677% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 2.2329% | 2,660 |
| Noncurrent loans to loans | 3.4008% | 1,852 |
| Net loans and leases to total assets | 64.9422% | 2,664 |
| Net loans and leases to deposits | 88.9964% | 1,061 |
| Net loans and leases to core deposits | 92.4880% | 1,598 |
| Total domestic deposits to total assets | 72.9717% | 6,831 |
| Equity capital to assets | 13.6869% | 1,150 |
| Core capital (leverage) ratio | 13.5780% | 917 |
| Tier 1 risk-based capital ratio | 25.3381% | 872 |
| Total risk-based capital ratio | 26.5888% | 852 |
| Memoranda: | ||
| Average total assets | $174,950,000 | 3,456 |
| Average earning assets | $165,194,500 | 3,362 |
| Average equity | $23,848,000 | 2,781 |
| Average total loans | $114,347,500 | 3,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 6,002 |
| Cost of funding earning assets | 2.0240% | 85 |
| Net interest margin | 2.1949% | 7,178 |
| Noninterest income to average assets | 0.1739% | 6,246 |
| Noninterest expense to average assets | 2.2529% | 6,159 |
| Loan and lease loss provision to assets | 0.0367% | 6,107 |
| Net operating income to assets | -0.0176% | 6,067 |
| Return on assets (ROA) | 0.0215% | 6,118 |
| Pretax return on assets | -0.0390% | 6,166 |
| Return on Equity (ROE) | 0.1715% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.1715% | 5,761 |
| Net charge-offs to loans | 0.1027% | 5,329 |
| Credit loss provision to net charge-offs | 56.5217% | 5,257 |
| Earnings coverage of net charge-offs (x) | -0.9739% | 6,190 |
| Efficiency ratio | 102.8881% | 594 |
| Assets per employee ($millions) | 5.3131% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 5,676 |
| Loan loss allowance to noncurrent loans | 33.7676% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 2.1890% | 2,749 |
| Noncurrent loans to loans | 3.3644% | 1,925 |
| Net loans and leases to total assets | 64.3240% | 3,118 |
| Net loans and leases to deposits | 87.8725% | 1,397 |
| Net loans and leases to core deposits | 91.9745% | 1,888 |
| Total domestic deposits to total assets | 73.2015% | 6,790 |
| Equity capital to assets | 13.5760% | 1,231 |
| Core capital (leverage) ratio | 13.5025% | 961 |
| Tier 1 risk-based capital ratio | 25.2089% | 851 |
| Total risk-based capital ratio | 26.4590% | 830 |
| Memoranda: | ||
| Average total assets | $177,106,400 | 3,379 |
| Average earning assets | $162,651,000 | 3,353 |
| Average equity | $22,151,600 | 2,877 |
| Average total loans | $112,030,600 | 3,331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2183% | 6,165 |
| Cost of funding earning assets | 2.0852% | 85 |
| Net interest margin | 2.1330% | 7,279 |
| Noninterest income to average assets | 0.1622% | 6,435 |
| Noninterest expense to average assets | 2.2709% | 6,116 |
| Loan and lease loss provision to assets | 0.0496% | 5,830 |
| Net operating income to assets | -0.0932% | 6,276 |
| Return on assets (ROA) | -0.0413% | 6,304 |
| Pretax return on assets | -0.1329% | 6,362 |
| Return on Equity (ROE) | -0.3373% | 6,306 |
| Retained earnings to average equity (ytd only) | -0.3373% | 6,043 |
| Net charge-offs to loans | 0.1387% | 4,669 |
| Credit loss provision to net charge-offs | 56.8966% | 4,876 |
| Earnings coverage of net charge-offs (x) | -1.8879% | 6,012 |
| Efficiency ratio | 107.8075% | 467 |
| Assets per employee ($millions) | 5.2587% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,612 |
| Loan loss allowance to noncurrent loans | 37.5543% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 1.9301% | 3,225 |
| Noncurrent loans to loans | 3.1042% | 2,233 |
| Net loans and leases to total assets | 61.4538% | 3,859 |
| Net loans and leases to deposits | 83.2919% | 2,133 |
| Net loans and leases to core deposits | 86.6415% | 2,694 |
| Total domestic deposits to total assets | 73.7813% | 6,788 |
| Equity capital to assets | 13.2872% | 1,472 |
| Core capital (leverage) ratio | 13.1979% | 1,154 |
| Tier 1 risk-based capital ratio | 26.6350% | 770 |
| Total risk-based capital ratio | 27.8846% | 748 |
| Memoranda: | ||
| Average total assets | $177,550,250 | 3,389 |
| Average earning assets | $161,832,500 | 3,389 |
| Average equity | $21,738,750 | 2,909 |
| Average total loans | $111,519,250 | 3,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2717% | 6,105 |
| Cost of funding earning assets | 2.1741% | 75 |
| Net interest margin | 2.0976% | 7,343 |
| Noninterest income to average assets | 0.1423% | 6,612 |
| Noninterest expense to average assets | 2.1859% | 6,417 |
| Loan and lease loss provision to assets | 0.0677% | 5,458 |
| Net operating income to assets | -0.0990% | 6,348 |
| Return on assets (ROA) | -0.0644% | 6,369 |
| Pretax return on assets | -0.1705% | 6,428 |
| Return on Equity (ROE) | -0.5412% | 6,362 |
| Retained earnings to average equity (ytd only) | -0.5412% | 5,973 |
| Net charge-offs to loans | 0.1971% | 3,969 |
| Credit loss provision to net charge-offs | 54.5455% | 4,471 |
| Earnings coverage of net charge-offs (x) | -1.2636% | 5,666 |
| Efficiency ratio | 107.7351% | 520 |
| Assets per employee ($millions) | 5.2830% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,715 |
| Loan loss allowance to noncurrent loans | 39.4161% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 2.4501% | 2,715 |
| Noncurrent loans to loans | 2.9450% | 2,468 |
| Net loans and leases to total assets | 61.4348% | 4,002 |
| Net loans and leases to deposits | 83.0362% | 2,268 |
| Net loans and leases to core deposits | 86.4772% | 2,830 |
| Total domestic deposits to total assets | 73.9855% | 6,844 |
| Equity capital to assets | 13.2333% | 1,419 |
| Core capital (leverage) ratio | 13.1462% | 1,100 |
| Tier 1 risk-based capital ratio | 26.2595% | 791 |
| Total risk-based capital ratio | 27.5096% | 773 |
| Memoranda: | ||
| Average total assets | $177,135,000 | 3,414 |
| Average earning assets | $159,327,670 | 3,459 |
| Average equity | $21,066,000 | 2,991 |
| Average total loans | $111,634,670 | 3,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 5,921 |
| Cost of funding earning assets | 2.3032% | 63 |
| Net interest margin | 2.0257% | 7,405 |
| Noninterest income to average assets | 0.1296% | 6,767 |
| Noninterest expense to average assets | 2.1377% | 6,552 |
| Loan and lease loss provision to assets | 0.1364% | 4,303 |
| Net operating income to assets | -0.1842% | 6,543 |
| Return on assets (ROA) | -0.1842% | 6,564 |
| Pretax return on assets | -0.3684% | 6,669 |
| Return on Equity (ROE) | -1.6435% | 6,554 |
| Retained earnings to average equity (ytd only) | -1.6435% | 6,096 |
| Net charge-offs to loans | 0.2687% | 2,994 |
| Credit loss provision to net charge-offs | 80.0000% | 3,159 |
| Earnings coverage of net charge-offs (x) | -1.3600% | 4,929 |
| Efficiency ratio | 112.1718% | 455 |
| Assets per employee ($millions) | 5.5189% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,615 |
| Loan loss allowance to noncurrent loans | 39.9580% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 3.0133% | 2,292 |
| Noncurrent loans to loans | 3.0129% | 2,499 |
| Net loans and leases to total assets | 59.9743% | 4,265 |
| Net loans and leases to deposits | 80.4826% | 2,614 |
| Net loans and leases to core deposits | 83.7329% | 3,199 |
| Total domestic deposits to total assets | 74.5183% | 6,855 |
| Equity capital to assets | 12.8710% | 1,442 |
| Core capital (leverage) ratio | 12.9307% | 1,141 |
| Tier 1 risk-based capital ratio | 24.9897% | 876 |
| Total risk-based capital ratio | 26.2399% | 862 |
| Memoranda: | ||
| Average total assets | $175,891,000 | 3,455 |
| Average earning assets | $154,219,500 | 3,578 |
| Average equity | $19,714,000 | 3,159 |
| Average total loans | $111,628,500 | 3,450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8041% | 5,393 |
| Cost of funding earning assets | 2.4886% | 114 |
| Net interest margin | 2.3155% | 7,361 |
| Noninterest income to average assets | 0.2570% | 5,963 |
| Noninterest expense to average assets | 2.5338% | 5,667 |
| Loan and lease loss provision to assets | 0.8957% | 1,824 |
| Net operating income to assets | -0.5796% | 6,436 |
| Return on assets (ROA) | -0.5117% | 6,425 |
| Pretax return on assets | -0.9285% | 6,589 |
| Return on Equity (ROE) | -5.1549% | 6,447 |
| Retained earnings to average equity (ytd only) | -5.1549% | 6,319 |
| Net charge-offs to loans | 0.4040% | 4,022 |
| Credit loss provision to net charge-offs | 313.5699% | 840 |
| Earnings coverage of net charge-offs (x) | -0.4864% | 6,448 |
| Efficiency ratio | 105.8018% | 627 |
| Assets per employee ($millions) | 5.1412% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,545 |
| Loan loss allowance to noncurrent loans | 203.3233% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 3,939 |
| Noncurrent loans to loans | 0.5874% | 5,872 |
| Net loans and leases to total assets | 65.6334% | 3,539 |
| Net loans and leases to deposits | 85.2248% | 2,234 |
| Net loans and leases to core deposits | 88.6166% | 2,964 |
| Total domestic deposits to total assets | 77.0121% | 6,478 |
| Equity capital to assets | 9.4230% | 4,510 |
| Core capital (leverage) ratio | 9.5084% | 3,697 |
| Tier 1 risk-based capital ratio | 17.7760% | 2,072 |
| Total risk-based capital ratio | 19.0255% | 2,034 |
| Memoranda: | ||
| Average total assets | $167,690,400 | 3,578 |
| Average earning assets | $154,826,800 | 3,551 |
| Average equity | $16,644,400 | 3,655 |
| Average total loans | $118,565,400 | 3,340 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 5,373 |
| Cost of funding earning assets | 2.5022% | 136 |
| Net interest margin | 2.3749% | 7,454 |
| Noninterest income to average assets | 0.2049% | 6,434 |
| Noninterest expense to average assets | 2.4338% | 5,931 |
| Loan and lease loss provision to assets | 0.9290% | 1,618 |
| Net operating income to assets | -0.5478% | 6,625 |
| Return on assets (ROA) | -0.4569% | 6,605 |
| Pretax return on assets | -0.8142% | 6,747 |
| Return on Equity (ROE) | -4.5451% | 6,616 |
| Retained earnings to average equity (ytd only) | -4.5451% | 6,520 |
| Net charge-offs to loans | 0.3754% | 3,801 |
| Credit loss provision to net charge-offs | 344.6746% | 924 |
| Earnings coverage of net charge-offs (x) | -0.1006% | 6,109 |
| Efficiency ratio | 101.1266% | 709 |
| Assets per employee ($millions) | 5.0431% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,488 |
| Loan loss allowance to noncurrent loans | 49.8051% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 1.9108% | 3,596 |
| Noncurrent loans to loans | 1.9629% | 3,731 |
| Net loans and leases to total assets | 69.9924% | 2,734 |
| Net loans and leases to deposits | 92.0544% | 1,437 |
| Net loans and leases to core deposits | 95.7762% | 2,294 |
| Total domestic deposits to total assets | 76.0337% | 6,645 |
| Equity capital to assets | 9.8822% | 4,315 |
| Core capital (leverage) ratio | 9.8746% | 3,391 |
| Tier 1 risk-based capital ratio | 18.1437% | 1,990 |
| Total risk-based capital ratio | 19.3936% | 1,943 |
| Memoranda: | ||
| Average total assets | $167,198,250 | 3,634 |
| Average earning assets | $155,006,000 | 3,595 |
| Average equity | $16,808,750 | 3,677 |
| Average total loans | $120,032,000 | 3,366 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 5,105 |
| Cost of funding earning assets | 2.5112% | 168 |
| Net interest margin | 2.4546% | 7,442 |
| Noninterest income to average assets | 0.1684% | 6,698 |
| Noninterest expense to average assets | 2.4663% | 5,856 |
| Loan and lease loss provision to assets | 1.0331% | 1,410 |
| Net operating income to assets | -0.6075% | 6,747 |
| Return on assets (ROA) | -0.4921% | 6,683 |
| Pretax return on assets | -0.8707% | 6,826 |
| Return on Equity (ROE) | -4.8672% | 6,691 |
| Retained earnings to average equity (ytd only) | -4.8672% | 6,543 |
| Net charge-offs to loans | 0.5595% | 2,856 |
| Credit loss provision to net charge-offs | 255.9172% | 1,494 |
| Earnings coverage of net charge-offs (x) | -0.0444% | 5,755 |
| Efficiency ratio | 100.7317% | 781 |
| Assets per employee ($millions) | 5.0865% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 7,240 |
| Loan loss allowance to noncurrent loans | 26.0816% | 6,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 3,561 |
| Noncurrent loans to loans | 2.7049% | 2,949 |
| Net loans and leases to total assets | 71.2737% | 2,599 |
| Net loans and leases to deposits | 93.7799% | 1,306 |
| Net loans and leases to core deposits | 97.5259% | 2,279 |
| Total domestic deposits to total assets | 76.0010% | 6,692 |
| Equity capital to assets | 9.9176% | 4,114 |
| Core capital (leverage) ratio | 9.8881% | 3,294 |
| Tier 1 risk-based capital ratio | 17.9106% | 1,981 |
| Total risk-based capital ratio | 18.8281% | 2,046 |
| Memoranda: | ||
| Average total assets | $167,457,330 | 3,645 |
| Average earning assets | $155,545,000 | 3,607 |
| Average equity | $16,929,670 | 3,643 |
| Average total loans | $120,832,000 | 3,392 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 4,534 |
| Cost of funding earning assets | 2.5646% | 183 |
| Net interest margin | 2.5337% | 7,445 |
| Noninterest income to average assets | 0.1626% | 6,809 |
| Noninterest expense to average assets | 2.3700% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1092% | 5,996 |
| Return on assets (ROA) | 0.3229% | 5,332 |
| Pretax return on assets | 0.4185% | 5,234 |
| Return on Equity (ROE) | 3.1633% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.1633% | 4,248 |
| Net charge-offs to loans | 0.0264% | 5,199 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 7.3750% | 2,097 |
| Efficiency ratio | 94.3810% | 1,118 |
| Assets per employee ($millions) | 4.6554% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2609% | 7,781 |
| Loan loss allowance to noncurrent loans | 19.6752% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 5,241 |
| Noncurrent loans to loans | 1.3261% | 4,762 |
| Net loans and leases to total assets | 71.8514% | 2,494 |
| Net loans and leases to deposits | 95.7636% | 1,137 |
| Net loans and leases to core deposits | 99.2034% | 2,214 |
| Total domestic deposits to total assets | 75.0300% | 6,898 |
| Equity capital to assets | 10.2331% | 3,555 |
| Core capital (leverage) ratio | 10.2272% | 2,899 |
| Tier 1 risk-based capital ratio | 18.4809% | 1,840 |
| Total risk-based capital ratio | 18.8206% | 2,030 |
| Memoranda: | ||
| Average total assets | $167,259,500 | 3,709 |
| Average earning assets | $155,031,500 | 3,668 |
| Average equity | $17,071,000 | 3,638 |
| Average total loans | $121,005,500 | 3,444 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2947% | 5,196 |
| Cost of funding earning assets | 3.0003% | 230 |
| Net interest margin | 2.2944% | 7,598 |
| Noninterest income to average assets | 0.1651% | 6,893 |
| Noninterest expense to average assets | 2.1724% | 7,046 |
| Loan and lease loss provision to assets | 0.0303% | 7,224 |
| Net operating income to assets | 0.1035% | 5,205 |
| Return on assets (ROA) | 0.2036% | 4,952 |
| Pretax return on assets | 0.2743% | 4,834 |
| Return on Equity (ROE) | 2.0449% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.0449% | 3,675 |
| Net charge-offs to loans | 0.0344% | 6,785 |
| Credit loss provision to net charge-offs | 115.9091% | 4,691 |
| Earnings coverage of net charge-offs (x) | 6.4773% | 2,356 |
| Efficiency ratio | 92.7738% | 1,503 |
| Assets per employee ($millions) | 4.5115% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2663% | 7,841 |
| Loan loss allowance to noncurrent loans | 18.5739% | 7,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 5,016 |
| Noncurrent loans to loans | 1.4339% | 4,524 |
| Net loans and leases to total assets | 72.4603% | 2,644 |
| Net loans and leases to deposits | 95.5381% | 1,389 |
| Net loans and leases to core deposits | 123.2901% | 1,692 |
| Total domestic deposits to total assets | 75.8444% | 6,708 |
| Equity capital to assets | 10.1794% | 3,531 |
| Core capital (leverage) ratio | 10.1853% | 2,903 |
| Tier 1 risk-based capital ratio | 18.3376% | 1,797 |
| Total risk-based capital ratio | 18.6860% | 2,001 |
| Memoranda: | ||
| Average total assets | $168,432,600 | 3,636 |
| Average earning assets | $159,783,600 | 3,525 |
| Average equity | $16,773,200 | 3,717 |
| Average total loans | $127,992,600 | 3,310 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3712% | 5,088 |
| Cost of funding earning assets | 3.0413% | 290 |
| Net interest margin | 2.3299% | 7,619 |
| Noninterest income to average assets | 0.1595% | 7,058 |
| Noninterest expense to average assets | 2.1309% | 7,129 |
| Loan and lease loss provision to assets | 0.0403% | 6,964 |
| Net operating income to assets | 0.1823% | 5,215 |
| Return on assets (ROA) | 0.2504% | 5,072 |
| Pretax return on assets | 0.2851% | 5,105 |
| Return on Equity (ROE) | 2.5281% | 4,975 |
| Retained earnings to average equity (ytd only) | 2.5281% | 3,907 |
| Net charge-offs to loans | 0.0483% | 6,241 |
| Credit loss provision to net charge-offs | 108.5106% | 4,686 |
| Earnings coverage of net charge-offs (x) | 6.6804% | 2,555 |
| Efficiency ratio | 89.5750% | 1,729 |
| Assets per employee ($millions) | 4.7940% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2613% | 7,934 |
| Loan loss allowance to noncurrent loans | 83.5509% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 6,946 |
| Noncurrent loans to loans | 0.3128% | 6,734 |
| Net loans and leases to total assets | 72.7828% | 2,848 |
| Net loans and leases to deposits | 95.8121% | 1,600 |
| Net loans and leases to core deposits | 123.3180% | 1,965 |
| Total domestic deposits to total assets | 75.9641% | 6,585 |
| Equity capital to assets | 10.1173% | 3,944 |
| Core capital (leverage) ratio | 10.1179% | 3,153 |
| Tier 1 risk-based capital ratio | 19.3226% | 1,679 |
| Total risk-based capital ratio | 19.6868% | 1,829 |
| Memoranda: | ||
| Average total assets | $168,809,250 | 3,649 |
| Average earning assets | $160,803,000 | 3,535 |
| Average equity | $16,718,500 | 3,765 |
| Average total loans | $129,671,250 | 3,306 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5070% | 4,586 |
| Cost of funding earning assets | 3.0897% | 363 |
| Net interest margin | 2.4173% | 7,556 |
| Noninterest income to average assets | 0.1525% | 7,181 |
| Noninterest expense to average assets | 2.1508% | 7,169 |
| Loan and lease loss provision to assets | 0.0603% | 6,617 |
| Net operating income to assets | 0.2137% | 5,211 |
| Return on assets (ROA) | 0.3133% | 4,947 |
| Pretax return on assets | 0.3654% | 5,028 |
| Return on Equity (ROE) | 3.1865% | 4,828 |
| Retained earnings to average equity (ytd only) | 3.1865% | 3,541 |
| Net charge-offs to loans | 0.0712% | 5,512 |
| Credit loss provision to net charge-offs | 108.5106% | 4,263 |
| Earnings coverage of net charge-offs (x) | 5.5745% | 2,805 |
| Efficiency ratio | 87.4099% | 2,085 |
| Assets per employee ($millions) | 5.2569% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2559% | 8,023 |
| Loan loss allowance to noncurrent loans | 119.4030% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 7,163 |
| Noncurrent loans to loans | 0.2143% | 6,978 |
| Net loans and leases to total assets | 74.1568% | 2,666 |
| Net loans and leases to deposits | 97.4343% | 1,610 |
| Net loans and leases to core deposits | 123.5361% | 2,064 |
| Total domestic deposits to total assets | 76.1095% | 6,522 |
| Equity capital to assets | 9.9743% | 3,974 |
| Core capital (leverage) ratio | 10.0524% | 3,239 |
| Tier 1 risk-based capital ratio | 19.2166% | 1,739 |
| Total risk-based capital ratio | 19.5799% | 1,874 |
| Memoranda: | ||
| Average total assets | $169,148,670 | 3,663 |
| Average earning assets | $161,502,670 | 3,534 |
| Average equity | $16,632,670 | 3,786 |
| Average total loans | $132,080,670 | 3,301 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3938% | 5,459 |
| Cost of funding earning assets | 3.1187% | 434 |
| Net interest margin | 2.2751% | 7,738 |
| Noninterest income to average assets | 0.1887% | 6,941 |
| Noninterest expense to average assets | 2.1178% | 7,074 |
| Loan and lease loss provision to assets | 0.0118% | 6,693 |
| Net operating income to assets | 0.2405% | 5,526 |
| Return on assets (ROA) | 0.2405% | 5,690 |
| Pretax return on assets | 0.2405% | 5,846 |
| Return on Equity (ROE) | 2.4638% | 5,591 |
| Retained earnings to average equity (ytd only) | 2.4638% | 4,503 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3532% | 1,772 |
| Assets per employee ($millions) | 5.2653% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2406% | 8,076 |
| Loan loss allowance to noncurrent loans | 108.0808% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 7,005 |
| Noncurrent loans to loans | 0.2226% | 6,897 |
| Net loans and leases to total assets | 78.9991% | 1,582 |
| Net loans and leases to deposits | 103.6256% | 1,037 |
| Net loans and leases to core deposits | 131.3323% | 1,582 |
| Total domestic deposits to total assets | 76.2351% | 6,466 |
| Equity capital to assets | 9.8784% | 4,146 |
| Core capital (leverage) ratio | 9.9372% | 3,473 |
| Tier 1 risk-based capital ratio | 18.3544% | 1,970 |
| Total risk-based capital ratio | 18.7059% | 2,144 |
| Memoranda: | ||
| Average total assets | $169,612,000 | 3,654 |
| Average earning assets | $162,632,500 | 3,532 |
| Average equity | $16,559,500 | 3,827 |
| Average total loans | $135,587,000 | 3,256 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 7,190 |
| Cost of funding earning assets | 3.5653% | 438 |
| Net interest margin | 1.9879% | 8,070 |
| Noninterest income to average assets | 0.0719% | 7,783 |
| Noninterest expense to average assets | 2.0222% | 7,400 |
| Loan and lease loss provision to assets | 0.0029% | 7,313 |
| Net operating income to assets | -0.0485% | 6,441 |
| Return on assets (ROA) | 0.0047% | 6,219 |
| Pretax return on assets | 0.0047% | 6,143 |
| Return on Equity (ROE) | 0.0487% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.0487% | 5,207 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3063% | 905 |
| Assets per employee ($millions) | 5.3355% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2294% | 8,143 |
| Loan loss allowance to noncurrent loans | 168.9840% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 7,138 |
| Noncurrent loans to loans | 0.1358% | 7,007 |
| Net loans and leases to total assets | 80.4944% | 1,552 |
| Net loans and leases to deposits | 109.5145% | 868 |
| Net loans and leases to core deposits | 138.6615% | 1,332 |
| Total domestic deposits to total assets | 73.5012% | 6,739 |
| Equity capital to assets | 9.6494% | 4,486 |
| Core capital (leverage) ratio | 9.7472% | 3,716 |
| Tier 1 risk-based capital ratio | 18.0054% | 2,035 |
| Total risk-based capital ratio | 18.3469% | 2,230 |
| Memoranda: | ||
| Average total assets | $171,099,400 | 3,540 |
| Average earning assets | $163,942,000 | 3,418 |
| Average equity | $16,429,600 | 3,841 |
| Average total loans | $135,702,200 | 3,165 |