Home > Friends Bank > Performance and Condition Ratios
Friends Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 2,590 |
| Cost of funding earning assets | 0.7758% | 2,842 |
| Net interest margin | 3.8672% | 2,376 |
| Noninterest income to average assets | 0.2559% | 4,206 |
| Noninterest expense to average assets | 5.8737% | 143 |
| Loan and lease loss provision to assets | -0.2134% | 5,210 |
| Net operating income to assets | 0.5185% | 4,472 |
| Return on assets (ROA) | 0.5185% | 4,523 |
| Pretax return on assets | -1.8170% | 5,204 |
| Return on Equity (ROE) | 4.7641% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.7641% | 3,018 |
| Net charge-offs to loans | -0.1306% | 5,043 |
| Credit loss provision to net charge-offs | 219.7183% | 1,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 152.8302% | 38 |
| Assets per employee ($millions) | 3.8102% | 4,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,605 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.8615% | 2,497 |
| Net loans and leases to deposits | 79.3045% | 2,972 |
| Net loans and leases to core deposits | 82.2008% | 3,235 |
| Total domestic deposits to total assets | 88.0928% | 999 |
| Equity capital to assets | 10.8806% | 3,218 |
| Core capital (leverage) ratio | 8.4999% | 4,946 |
| Tier 1 risk-based capital ratio | 13.2142% | 3,733 |
| Total risk-based capital ratio | 14.4754% | 3,635 |
| Memoranda: | ||
| Average total assets | $97,448,750 | 4,084 |
| Average earning assets | $90,398,750 | 4,085 |
| Average equity | $10,606,750 | 4,214 |
| Average total loans | $72,472,000 | 3,768 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 2,649 |
| Cost of funding earning assets | 0.7091% | 3,117 |
| Net interest margin | 3.8998% | 2,246 |
| Noninterest income to average assets | 0.2580% | 4,208 |
| Noninterest expense to average assets | 3.5559% | 893 |
| Loan and lease loss provision to assets | -0.3219% | 5,276 |
| Net operating income to assets | 0.6563% | 4,142 |
| Return on assets (ROA) | 0.6563% | 4,193 |
| Pretax return on assets | 0.6563% | 4,431 |
| Return on Equity (ROE) | 6.0288% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.0288% | 2,269 |
| Net charge-offs to loans | -0.1942% | 5,129 |
| Credit loss provision to net charge-offs | 219.7183% | 1,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4058% | 299 |
| Assets per employee ($millions) | 3.7553% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,600 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.7589% | 2,242 |
| Net loans and leases to deposits | 80.7077% | 2,882 |
| Net loans and leases to core deposits | 82.8229% | 3,213 |
| Total domestic deposits to total assets | 88.9121% | 697 |
| Equity capital to assets | 10.9558% | 3,110 |
| Core capital (leverage) ratio | 10.2318% | 3,355 |
| Tier 1 risk-based capital ratio | 15.7265% | 2,535 |
| Total risk-based capital ratio | 16.9870% | 2,465 |
| Memoranda: | ||
| Average total assets | $96,909,670 | 4,117 |
| Average earning assets | $90,260,330 | 4,111 |
| Average equity | $10,549,330 | 4,230 |
| Average total loans | $73,106,670 | 3,779 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 2,490 |
| Cost of funding earning assets | 0.6725% | 3,190 |
| Net interest margin | 3.9415% | 2,058 |
| Noninterest income to average assets | 0.2527% | 4,203 |
| Noninterest expense to average assets | 3.4637% | 1,020 |
| Loan and lease loss provision to assets | -0.6463% | 5,348 |
| Net operating income to assets | 1.1021% | 2,456 |
| Return on assets (ROA) | 1.1021% | 2,504 |
| Pretax return on assets | 1.1021% | 3,142 |
| Return on Equity (ROE) | 10.1570% | 2,298 |
| Retained earnings to average equity (ytd only) | 10.1570% | 995 |
| Net charge-offs to loans | -0.3841% | 5,247 |
| Credit loss provision to net charge-offs | 219.7183% | 991 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3721% | 464 |
| Assets per employee ($millions) | 3.6219% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 2,669 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 75.6913% | 1,535 |
| Net loans and leases to deposits | 85.0775% | 2,244 |
| Net loans and leases to core deposits | 87.0035% | 2,777 |
| Total domestic deposits to total assets | 88.9674% | 871 |
| Equity capital to assets | 10.8659% | 2,980 |
| Core capital (leverage) ratio | 10.1446% | 3,441 |
| Tier 1 risk-based capital ratio | 14.7111% | 2,993 |
| Total risk-based capital ratio | 15.9705% | 2,931 |
| Memoranda: | ||
| Average total assets | $96,545,500 | 4,160 |
| Average earning assets | $89,814,500 | 4,150 |
| Average equity | $10,475,500 | 4,259 |
| Average total loans | $73,948,500 | 3,802 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,595 |
| Cost of funding earning assets | 0.4514% | 3,671 |
| Net interest margin | 4.0028% | 1,979 |
| Noninterest income to average assets | 0.2244% | 4,583 |
| Noninterest expense to average assets | 3.2788% | 1,377 |
| Loan and lease loss provision to assets | -0.2573% | 5,352 |
| Net operating income to assets | 1.2607% | 1,944 |
| Return on assets (ROA) | 1.2607% | 1,939 |
| Pretax return on assets | 0.9262% | 3,826 |
| Return on Equity (ROE) | 12.7509% | 1,441 |
| Retained earnings to average equity (ytd only) | 11.6579% | 349 |
| Net charge-offs to loans | -0.1726% | 5,248 |
| Credit loss provision to net charge-offs | 201.6129% | 1,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0553% | 705 |
| Assets per employee ($millions) | 3.5296% | 4,514 |
| Cash dividends to net income (ytd only)* | 8.5714% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9912% | 478 |
| Loan loss allowance to noncurrent loans | 1,827.8481% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.5813% | 2,300 |
| Noncurrent loans to loans | 0.1089% | 4,238 |
| Net loans and leases to total assets | 74.5800% | 1,825 |
| Net loans and leases to deposits | 83.7959% | 2,531 |
| Net loans and leases to core deposits | 85.3496% | 2,968 |
| Total domestic deposits to total assets | 89.0020% | 853 |
| Equity capital to assets | 10.8343% | 2,859 |
| Core capital (leverage) ratio | 9.8088% | 3,785 |
| Tier 1 risk-based capital ratio | 14.9213% | 2,862 |
| Total risk-based capital ratio | 16.1840% | 2,786 |
| Memoranda: | ||
| Average total assets | $97,168,800 | 4,147 |
| Average earning assets | $90,385,800 | 4,139 |
| Average equity | $9,607,200 | 4,373 |
| Average total loans | $71,829,400 | 3,834 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 2,758 |
| Cost of funding earning assets | 0.4081% | 3,803 |
| Net interest margin | 3.9530% | 2,115 |
| Noninterest income to average assets | 0.2321% | 4,581 |
| Noninterest expense to average assets | 3.2405% | 1,434 |
| Loan and lease loss provision to assets | -0.3414% | 5,435 |
| Net operating income to assets | 1.0105% | 3,041 |
| Return on assets (ROA) | 1.0105% | 3,050 |
| Pretax return on assets | 1.0105% | 3,690 |
| Return on Equity (ROE) | 10.4653% | 2,406 |
| Retained earnings to average equity (ytd only) | 8.9804% | 1,227 |
| Net charge-offs to loans | -0.0279% | 4,723 |
| Credit loss provision to net charge-offs | 1,666.6667% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8851% | 712 |
| Assets per employee ($millions) | 3.6575% | 4,364 |
| Cash dividends to net income (ytd only)* | 14.1896% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 657 |
| Loan loss allowance to noncurrent loans | 542.6829% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7301% | 2,035 |
| Noncurrent loans to loans | 0.3404% | 3,437 |
| Net loans and leases to total assets | 71.8365% | 2,355 |
| Net loans and leases to deposits | 79.9874% | 3,047 |
| Net loans and leases to core deposits | 81.6547% | 3,356 |
| Total domestic deposits to total assets | 89.8098% | 568 |
| Equity capital to assets | 9.9451% | 3,705 |
| Core capital (leverage) ratio | 9.6437% | 3,994 |
| Tier 1 risk-based capital ratio | 14.6987% | 3,019 |
| Total risk-based capital ratio | 15.9586% | 2,941 |
| Memoranda: | ||
| Average total assets | $97,636,250 | 4,177 |
| Average earning assets | $90,831,750 | 4,171 |
| Average equity | $9,427,750 | 4,433 |
| Average total loans | $71,657,250 | 3,872 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,708 |
| Cost of funding earning assets | 0.3717% | 3,930 |
| Net interest margin | 3.9448% | 2,050 |
| Noninterest income to average assets | 0.2282% | 4,655 |
| Noninterest expense to average assets | 3.1872% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7074% | 4,176 |
| Return on assets (ROA) | 0.7074% | 4,178 |
| Pretax return on assets | 0.7074% | 4,491 |
| Return on Equity (ROE) | 7.4005% | 3,765 |
| Retained earnings to average equity (ytd only) | 5.1416% | 3,001 |
| Net charge-offs to loans | -0.0084% | 4,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8374% | 847 |
| Assets per employee ($millions) | 3.6385% | 4,414 |
| Cash dividends to net income (ytd only)* | 30.5233% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 379 |
| Loan loss allowance to noncurrent loans | 626.6932% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 2,023 |
| Noncurrent loans to loans | 0.3490% | 3,447 |
| Net loans and leases to total assets | 71.6172% | 2,340 |
| Net loans and leases to deposits | 79.3835% | 3,014 |
| Net loans and leases to core deposits | 79.8846% | 3,427 |
| Total domestic deposits to total assets | 90.2167% | 497 |
| Equity capital to assets | 9.5909% | 4,014 |
| Core capital (leverage) ratio | 9.2388% | 4,426 |
| Tier 1 risk-based capital ratio | 14.1123% | 3,308 |
| Total risk-based capital ratio | 15.3772% | 3,217 |
| Memoranda: | ||
| Average total assets | $97,264,330 | 4,221 |
| Average earning assets | $90,397,670 | 4,216 |
| Average equity | $9,296,670 | 4,495 |
| Average total loans | $71,451,330 | 3,903 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,912 |
| Cost of funding earning assets | 0.3607% | 3,908 |
| Net interest margin | 3.8302% | 2,300 |
| Noninterest income to average assets | 0.2067% | 4,788 |
| Noninterest expense to average assets | 3.3107% | 1,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4505% | 4,810 |
| Return on assets (ROA) | 0.4505% | 4,814 |
| Pretax return on assets | 0.4505% | 4,956 |
| Return on Equity (ROE) | 4.7217% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.7217% | 3,301 |
| Net charge-offs to loans | -0.0112% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0220% | 542 |
| Assets per employee ($millions) | 3.5942% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1689% | 410 |
| Loan loss allowance to noncurrent loans | 616.4706% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 2,068 |
| Noncurrent loans to loans | 0.3518% | 3,509 |
| Net loans and leases to total assets | 73.0686% | 2,015 |
| Net loans and leases to deposits | 81.0053% | 2,698 |
| Net loans and leases to core deposits | 81.5203% | 3,183 |
| Total domestic deposits to total assets | 90.2023% | 580 |
| Equity capital to assets | 9.5700% | 4,023 |
| Core capital (leverage) ratio | 9.3157% | 4,302 |
| Tier 1 risk-based capital ratio | 13.7395% | 3,526 |
| Total risk-based capital ratio | 15.0031% | 3,422 |
| Memoranda: | ||
| Average total assets | $96,777,000 | 4,272 |
| Average earning assets | $89,813,000 | 4,272 |
| Average equity | $9,234,000 | 4,551 |
| Average total loans | $71,212,500 | 3,943 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 2,072 |
| Cost of funding earning assets | 0.2899% | 4,225 |
| Net interest margin | 4.0938% | 1,463 |
| Noninterest income to average assets | -0.0982% | 5,645 |
| Noninterest expense to average assets | 3.3737% | 1,243 |
| Loan and lease loss provision to assets | -0.2484% | 5,602 |
| Net operating income to assets | 0.6681% | 3,738 |
| Return on assets (ROA) | 0.6681% | 3,786 |
| Pretax return on assets | 0.4828% | 4,952 |
| Return on Equity (ROE) | 7.6377% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.6377% | 883 |
| Net charge-offs to loans | -0.6236% | 5,613 |
| Credit loss provision to net charge-offs | 57.1429% | 3,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5036% | 308 |
| Assets per employee ($millions) | 3.5745% | 4,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2446% | 342 |
| Loan loss allowance to noncurrent loans | 603.8462% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,882 |
| Noncurrent loans to loans | 0.3717% | 3,429 |
| Net loans and leases to total assets | 70.8468% | 2,388 |
| Net loans and leases to deposits | 78.4270% | 3,070 |
| Net loans and leases to core deposits | 78.6914% | 3,532 |
| Total domestic deposits to total assets | 90.3348% | 453 |
| Equity capital to assets | 9.5129% | 4,224 |
| Core capital (leverage) ratio | 9.0397% | 4,597 |
| Tier 1 risk-based capital ratio | 14.1558% | 3,279 |
| Total risk-based capital ratio | 15.4238% | 3,170 |
| Memoranda: | ||
| Average total assets | $99,831,000 | 4,238 |
| Average earning assets | $90,380,800 | 4,280 |
| Average equity | $8,733,000 | 4,659 |
| Average total loans | $69,593,600 | 3,973 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 1,958 |
| Cost of funding earning assets | 0.2865% | 4,255 |
| Net interest margin | 4.1158% | 1,353 |
| Noninterest income to average assets | -0.1629% | 5,717 |
| Noninterest expense to average assets | 3.3392% | 1,264 |
| Loan and lease loss provision to assets | -0.3285% | 5,698 |
| Net operating income to assets | 0.5364% | 4,630 |
| Return on assets (ROA) | 0.5364% | 4,662 |
| Pretax return on assets | 0.5364% | 4,959 |
| Return on Equity (ROE) | 6.2637% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.2637% | 2,080 |
| Net charge-offs to loans | -0.7385% | 5,682 |
| Credit loss provision to net charge-offs | 64.4156% | 2,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1374% | 281 |
| Assets per employee ($millions) | 3.8409% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1456% | 444 |
| Loan loss allowance to noncurrent loans | 1,521.0000% | 429 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 2,279 |
| Noncurrent loans to loans | 0.1411% | 4,490 |
| Net loans and leases to total assets | 69.4635% | 2,640 |
| Net loans and leases to deposits | 76.3698% | 3,336 |
| Net loans and leases to core deposits | 76.8470% | 3,740 |
| Total domestic deposits to total assets | 90.9567% | 197 |
| Equity capital to assets | 8.8510% | 5,030 |
| Core capital (leverage) ratio | 8.8305% | 4,932 |
| Tier 1 risk-based capital ratio | 13.6663% | 3,605 |
| Total risk-based capital ratio | 14.9304% | 3,523 |
| Memoranda: | ||
| Average total assets | $100,661,000 | 4,269 |
| Average earning assets | $90,738,000 | 4,313 |
| Average equity | $8,621,000 | 4,728 |
| Average total loans | $69,505,750 | 4,006 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4734% | 1,593 |
| Cost of funding earning assets | 0.2981% | 4,099 |
| Net interest margin | 4.1753% | 1,135 |
| Noninterest income to average assets | -0.4439% | 5,777 |
| Noninterest expense to average assets | 3.2856% | 1,400 |
| Loan and lease loss provision to assets | -0.4914% | 5,758 |
| Net operating income to assets | 0.4815% | 4,754 |
| Return on assets (ROA) | 0.4815% | 4,788 |
| Pretax return on assets | 0.4815% | 5,037 |
| Return on Equity (ROE) | 5.6853% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.6853% | 2,307 |
| Net charge-offs to loans | -0.8313% | 5,725 |
| Credit loss provision to net charge-offs | 86.4111% | 2,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3025% | 184 |
| Assets per employee ($millions) | 3.4826% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 592 |
| Loan loss allowance to noncurrent loans | 1,381.5534% | 460 |
| Noncurrent assets plus other real estate owned to assets | 1.2747% | 1,304 |
| Noncurrent loans to loans | 0.1454% | 4,535 |
| Net loans and leases to total assets | 71.1974% | 2,339 |
| Net loans and leases to deposits | 78.3350% | 3,084 |
| Net loans and leases to core deposits | 78.8358% | 3,516 |
| Total domestic deposits to total assets | 90.8883% | 248 |
| Equity capital to assets | 8.8892% | 5,001 |
| Core capital (leverage) ratio | 8.4091% | 5,277 |
| Tier 1 risk-based capital ratio | 13.2253% | 3,856 |
| Total risk-based capital ratio | 14.4878% | 3,758 |
| Memoranda: | ||
| Average total assets | $100,926,670 | 4,287 |
| Average earning assets | $89,909,670 | 4,360 |
| Average equity | $8,548,330 | 4,761 |
| Average total loans | $69,044,330 | 4,042 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,384 |
| Cost of funding earning assets | 0.3096% | 3,945 |
| Net interest margin | 3.8612% | 1,916 |
| Noninterest income to average assets | 0.3235% | 4,231 |
| Noninterest expense to average assets | 3.1685% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5573% | 4,344 |
| Return on assets (ROA) | 0.5573% | 4,389 |
| Pretax return on assets | 0.5573% | 4,825 |
| Return on Equity (ROE) | 6.7385% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.7385% | 1,958 |
| Net charge-offs to loans | -0.0294% | 4,921 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0418% | 888 |
| Assets per employee ($millions) | 3.7980% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0076% | 659 |
| Loan loss allowance to noncurrent loans | 754.8913% | 742 |
| Noncurrent assets plus other real estate owned to assets | 4.3415% | 157 |
| Noncurrent loans to loans | 0.2659% | 4,159 |
| Net loans and leases to total assets | 63.7538% | 3,307 |
| Net loans and leases to deposits | 69.4982% | 3,854 |
| Net loans and leases to core deposits | 70.2835% | 4,129 |
| Total domestic deposits to total assets | 91.7344% | 140 |
| Equity capital to assets | 8.0540% | 5,498 |
| Core capital (leverage) ratio | 8.2690% | 5,401 |
| Tier 1 risk-based capital ratio | 12.5611% | 4,353 |
| Total risk-based capital ratio | 13.8215% | 4,250 |
| Memoranda: | ||
| Average total assets | $102,634,000 | 4,304 |
| Average earning assets | $90,439,000 | 4,386 |
| Average equity | $8,488,500 | 4,814 |
| Average total loans | $68,142,000 | 4,092 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,520 |
| Cost of funding earning assets | 0.3622% | 3,392 |
| Net interest margin | 3.8276% | 2,221 |
| Noninterest income to average assets | 0.2837% | 4,713 |
| Noninterest expense to average assets | 3.1989% | 1,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5012% | 4,631 |
| Return on assets (ROA) | 0.5012% | 4,703 |
| Pretax return on assets | 0.4280% | 5,165 |
| Return on Equity (ROE) | 6.4338% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.4338% | 1,481 |
| Net charge-offs to loans | -0.2023% | 5,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1984% | 661 |
| Assets per employee ($millions) | 3.8047% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 587 |
| Loan loss allowance to noncurrent loans | 562.6016% | 968 |
| Noncurrent assets plus other real estate owned to assets | 4.7431% | 138 |
| Noncurrent loans to loans | 0.3666% | 3,808 |
| Net loans and leases to total assets | 66.4274% | 3,011 |
| Net loans and leases to deposits | 72.7482% | 3,638 |
| Net loans and leases to core deposits | 73.6310% | 3,951 |
| Total domestic deposits to total assets | 91.3114% | 206 |
| Equity capital to assets | 8.5036% | 5,268 |
| Core capital (leverage) ratio | 8.2150% | 5,500 |
| Tier 1 risk-based capital ratio | 12.6380% | 4,297 |
| Total risk-based capital ratio | 13.8998% | 4,183 |
| Memoranda: | ||
| Average total assets | $101,159,000 | 4,333 |
| Average earning assets | $88,359,000 | 4,425 |
| Average equity | $7,880,200 | 4,953 |
| Average total loans | $66,744,000 | 4,126 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1641% | 2,631 |
| Cost of funding earning assets | 0.3695% | 3,335 |
| Net interest margin | 3.7946% | 2,351 |
| Noninterest income to average assets | 0.2962% | 4,643 |
| Noninterest expense to average assets | 3.1983% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4090% | 4,987 |
| Return on assets (ROA) | 0.4090% | 5,079 |
| Pretax return on assets | 0.4090% | 5,287 |
| Return on Equity (ROE) | 5.3695% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.3695% | 2,574 |
| Net charge-offs to loans | -0.2620% | 5,817 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6628% | 637 |
| Assets per employee ($millions) | 3.9914% | 3,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 621 |
| Loan loss allowance to noncurrent loans | 660.2871% | 845 |
| Noncurrent assets plus other real estate owned to assets | 4.5376% | 168 |
| Noncurrent loans to loans | 0.3157% | 4,121 |
| Net loans and leases to total assets | 62.4666% | 3,595 |
| Net loans and leases to deposits | 68.0960% | 4,141 |
| Net loans and leases to core deposits | 69.0696% | 4,392 |
| Total domestic deposits to total assets | 91.7332% | 92 |
| Equity capital to assets | 7.9507% | 5,756 |
| Core capital (leverage) ratio | 7.8818% | 5,728 |
| Tier 1 risk-based capital ratio | 12.6071% | 4,404 |
| Total risk-based capital ratio | 13.8685% | 4,302 |
| Memoranda: | ||
| Average total assets | $101,718,000 | 4,360 |
| Average earning assets | $88,756,500 | 4,457 |
| Average equity | $7,747,250 | 5,022 |
| Average total loans | $66,656,000 | 4,152 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 2,474 |
| Cost of funding earning assets | 0.3859% | 3,195 |
| Net interest margin | 3.8270% | 2,219 |
| Noninterest income to average assets | 0.2969% | 4,658 |
| Noninterest expense to average assets | 3.2366% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3781% | 5,098 |
| Return on assets (ROA) | 0.3781% | 5,183 |
| Pretax return on assets | 0.3781% | 5,373 |
| Return on Equity (ROE) | 5.0400% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.0400% | 2,711 |
| Net charge-offs to loans | -0.2724% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5400% | 625 |
| Assets per employee ($millions) | 3.8377% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 671 |
| Loan loss allowance to noncurrent loans | 316.7849% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 4.9750% | 154 |
| Noncurrent loans to loans | 0.6478% | 3,131 |
| Net loans and leases to total assets | 61.7271% | 3,653 |
| Net loans and leases to deposits | 67.0331% | 4,262 |
| Net loans and leases to core deposits | 67.9843% | 4,475 |
| Total domestic deposits to total assets | 92.0845% | 77 |
| Equity capital to assets | 7.6386% | 5,887 |
| Core capital (leverage) ratio | 7.4583% | 5,888 |
| Tier 1 risk-based capital ratio | 12.0181% | 4,814 |
| Total risk-based capital ratio | 13.2780% | 4,720 |
| Memoranda: | ||
| Average total assets | $101,031,670 | 4,407 |
| Average earning assets | $87,588,000 | 4,512 |
| Average equity | $7,579,330 | 5,092 |
| Average total loans | $66,806,000 | 4,175 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,591 |
| Cost of funding earning assets | 0.3992% | 3,072 |
| Net interest margin | 3.7694% | 2,405 |
| Noninterest income to average assets | 0.4492% | 3,490 |
| Noninterest expense to average assets | 3.3006% | 1,602 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4051% | 4,976 |
| Return on assets (ROA) | 0.4051% | 5,056 |
| Pretax return on assets | 0.4051% | 5,301 |
| Return on Equity (ROE) | 5.4510% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.4510% | 2,685 |
| Net charge-offs to loans | -0.0296% | 5,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0693% | 739 |
| Assets per employee ($millions) | 3.7489% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8549% | 1,042 |
| Loan loss allowance to noncurrent loans | 260.1660% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 6.1447% | 112 |
| Noncurrent loans to loans | 0.7130% | 3,053 |
| Net loans and leases to total assets | 63.2116% | 3,352 |
| Net loans and leases to deposits | 68.5136% | 4,005 |
| Net loans and leases to core deposits | 69.5040% | 4,272 |
| Total domestic deposits to total assets | 92.2615% | 85 |
| Equity capital to assets | 7.4451% | 5,956 |
| Core capital (leverage) ratio | 7.9259% | 5,802 |
| Tier 1 risk-based capital ratio | 11.1267% | 5,437 |
| Total risk-based capital ratio | 12.3836% | 5,341 |
| Memoranda: | ||
| Average total assets | $99,738,000 | 4,470 |
| Average earning assets | $86,168,000 | 4,572 |
| Average equity | $7,411,500 | 5,151 |
| Average total loans | $67,558,500 | 4,174 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 1,847 |
| Cost of funding earning assets | 0.4544% | 2,586 |
| Net interest margin | 3.9621% | 1,839 |
| Noninterest income to average assets | 0.4051% | 3,995 |
| Noninterest expense to average assets | 3.4822% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7341% | 3,653 |
| Return on assets (ROA) | 0.7341% | 3,745 |
| Pretax return on assets | 0.3645% | 5,394 |
| Return on Equity (ROE) | 10.8265% | 1,672 |
| Retained earnings to average equity (ytd only) | 10.8265% | 361 |
| Net charge-offs to loans | 0.9090% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.5663% | 4,211 |
| Efficiency ratio | 90.5252% | 658 |
| Assets per employee ($millions) | 3.6349% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 1,052 |
| Loan loss allowance to noncurrent loans | 280.6742% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 6.7857% | 107 |
| Noncurrent loans to loans | 0.6592% | 3,215 |
| Net loans and leases to total assets | 70.1126% | 2,348 |
| Net loans and leases to deposits | 75.8476% | 3,271 |
| Net loans and leases to core deposits | 76.5725% | 3,707 |
| Total domestic deposits to total assets | 92.4387% | 77 |
| Equity capital to assets | 7.4152% | 5,995 |
| Core capital (leverage) ratio | 7.2111% | 6,024 |
| Tier 1 risk-based capital ratio | 10.0858% | 5,931 |
| Total risk-based capital ratio | 11.3433% | 5,857 |
| Memoranda: | ||
| Average total assets | $96,031,800 | 4,537 |
| Average earning assets | $83,415,200 | 4,651 |
| Average equity | $6,511,800 | 5,342 |
| Average total loans | $67,989,800 | 4,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,944 |
| Cost of funding earning assets | 0.4616% | 2,562 |
| Net interest margin | 3.9303% | 1,930 |
| Noninterest income to average assets | 0.4411% | 3,783 |
| Noninterest expense to average assets | 3.4533% | 1,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 5.9093% | 37 |
| Return on assets (ROA) | 5.9093% | 38 |
| Pretax return on assets | 0.3698% | 5,528 |
| Return on Equity (ROE) | 78.6848% | 6 |
| Retained earnings to average equity (ytd only) | 78.6848% | 1 |
| Net charge-offs to loans | 1.3272% | 123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.3982% | 3,955 |
| Efficiency ratio | 90.3260% | 681 |
| Assets per employee ($millions) | 3.7883% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 1,370 |
| Loan loss allowance to noncurrent loans | 257.9176% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 6.7973% | 118 |
| Noncurrent loans to loans | 0.6766% | 3,296 |
| Net loans and leases to total assets | 67.9730% | 2,681 |
| Net loans and leases to deposits | 76.3685% | 3,262 |
| Net loans and leases to core deposits | 77.3354% | 3,665 |
| Total domestic deposits to total assets | 89.0065% | 1,025 |
| Equity capital to assets | 10.6554% | 3,404 |
| Core capital (leverage) ratio | 7.3230% | 6,086 |
| Tier 1 risk-based capital ratio | 9.6086% | 6,127 |
| Total risk-based capital ratio | 10.9024% | 6,085 |
| Memoranda: | ||
| Average total assets | $97,335,000 | 4,559 |
| Average earning assets | $83,757,750 | 4,699 |
| Average equity | $7,310,000 | 5,253 |
| Average total loans | $68,109,500 | 4,175 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2575% | 2,328 |
| Cost of funding earning assets | 0.4681% | 2,534 |
| Net interest margin | 3.7894% | 2,362 |
| Noninterest income to average assets | 0.3982% | 4,091 |
| Noninterest expense to average assets | 3.4039% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3136% | 5,401 |
| Return on assets (ROA) | 0.3136% | 5,494 |
| Pretax return on assets | 0.3177% | 5,632 |
| Return on Equity (ROE) | 4.8653% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.8653% | 2,948 |
| Net charge-offs to loans | 2.1909% | 61 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.2064% | 3,690 |
| Efficiency ratio | 91.4634% | 663 |
| Assets per employee ($millions) | 3.6088% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 1,824 |
| Loan loss allowance to noncurrent loans | 230.1848% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 6.8762% | 130 |
| Noncurrent loans to loans | 0.7067% | 3,371 |
| Net loans and leases to total assets | 69.5714% | 2,391 |
| Net loans and leases to deposits | 74.6764% | 3,414 |
| Net loans and leases to core deposits | 76.0299% | 3,762 |
| Total domestic deposits to total assets | 93.1639% | 51 |
| Equity capital to assets | 6.4934% | 6,246 |
| Core capital (leverage) ratio | 6.4451% | 6,249 |
| Tier 1 risk-based capital ratio | 8.8710% | 6,266 |
| Total risk-based capital ratio | 10.1248% | 6,256 |
| Memoranda: | ||
| Average total assets | $96,948,330 | 4,613 |
| Average earning assets | $85,026,670 | 4,707 |
| Average equity | $6,248,330 | 5,494 |
| Average total loans | $68,099,670 | 4,211 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,757 |
| Cost of funding earning assets | 0.4696% | 2,569 |
| Net interest margin | 3.6497% | 2,818 |
| Noninterest income to average assets | 0.3805% | 4,162 |
| Noninterest expense to average assets | 3.3670% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2606% | 5,531 |
| Return on assets (ROA) | 0.2606% | 5,627 |
| Pretax return on assets | 0.2606% | 5,732 |
| Return on Equity (ROE) | 4.0586% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.0586% | 3,567 |
| Net charge-offs to loans | 4.5912% | 17 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.0811% | 3,105 |
| Efficiency ratio | 92.8164% | 663 |
| Assets per employee ($millions) | 3.6301% | 4,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6151% | 1,997 |
| Loan loss allowance to noncurrent loans | 69.2063% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 6.9246% | 135 |
| Noncurrent loans to loans | 2.3337% | 1,055 |
| Net loans and leases to total assets | 67.7461% | 2,491 |
| Net loans and leases to deposits | 72.6270% | 3,477 |
| Net loans and leases to core deposits | 73.9297% | 3,781 |
| Total domestic deposits to total assets | 93.2795% | 51 |
| Equity capital to assets | 6.3726% | 6,319 |
| Core capital (leverage) ratio | 6.4566% | 6,303 |
| Tier 1 risk-based capital ratio | 9.0180% | 6,317 |
| Total risk-based capital ratio | 10.2714% | 6,307 |
| Memoranda: | ||
| Average total assets | $96,703,500 | 4,652 |
| Average earning assets | $86,034,500 | 4,719 |
| Average equity | $6,209,000 | 5,551 |
| Average total loans | $67,694,500 | 4,239 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 3,214 |
| Cost of funding earning assets | 0.5414% | 2,279 |
| Net interest margin | 3.5860% | 3,459 |
| Noninterest income to average assets | 0.3844% | 4,300 |
| Noninterest expense to average assets | 3.3885% | 1,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1937% | 5,775 |
| Return on assets (ROA) | 0.1937% | 5,828 |
| Pretax return on assets | 0.1937% | 5,881 |
| Return on Equity (ROE) | 3.3369% | 5,357 |
| Retained earnings to average equity (ytd only) | 3.3369% | 3,846 |
| Net charge-offs to loans | -0.0975% | 6,105 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5923% | 566 |
| Assets per employee ($millions) | 3.5331% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7497% | 399 |
| Loan loss allowance to noncurrent loans | 43.1477% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 10.0352% | 87 |
| Noncurrent loans to loans | 6.3727% | 170 |
| Net loans and leases to total assets | 69.2203% | 2,356 |
| Net loans and leases to deposits | 74.1916% | 3,412 |
| Net loans and leases to core deposits | 75.5549% | 3,761 |
| Total domestic deposits to total assets | 93.2994% | 55 |
| Equity capital to assets | 6.4700% | 6,381 |
| Core capital (leverage) ratio | 6.3434% | 6,382 |
| Tier 1 risk-based capital ratio | 9.0478% | 6,403 |
| Total risk-based capital ratio | 10.3160% | 6,386 |
| Memoranda: | ||
| Average total assets | $98,598,800 | 4,639 |
| Average earning assets | $87,924,600 | 4,700 |
| Average equity | $5,723,800 | 5,689 |
| Average total loans | $67,672,000 | 4,243 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,052 |
| Cost of funding earning assets | 0.5483% | 2,310 |
| Net interest margin | 3.6352% | 3,291 |
| Noninterest income to average assets | 0.3648% | 4,509 |
| Noninterest expense to average assets | 3.3534% | 1,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2575% | 5,717 |
| Return on assets (ROA) | 0.2575% | 5,778 |
| Pretax return on assets | 0.2575% | 5,848 |
| Return on Equity (ROE) | 4.5617% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.5617% | 3,399 |
| Net charge-offs to loans | -0.0276% | 5,712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8678% | 655 |
| Assets per employee ($millions) | 3.9335% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6369% | 539 |
| Loan loss allowance to noncurrent loans | 53.9857% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 8.7535% | 116 |
| Noncurrent loans to loans | 4.8844% | 387 |
| Net loans and leases to total assets | 68.1486% | 2,511 |
| Net loans and leases to deposits | 72.9918% | 3,564 |
| Net loans and leases to core deposits | 74.7479% | 3,875 |
| Total domestic deposits to total assets | 93.3647% | 61 |
| Equity capital to assets | 6.2397% | 6,463 |
| Core capital (leverage) ratio | 6.2433% | 6,460 |
| Tier 1 risk-based capital ratio | 8.8705% | 6,490 |
| Total risk-based capital ratio | 10.1369% | 6,487 |
| Memoranda: | ||
| Average total assets | $99,400,000 | 4,658 |
| Average earning assets | $88,760,750 | 4,733 |
| Average equity | $5,611,750 | 5,771 |
| Average total loans | $67,615,250 | 4,289 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 3,191 |
| Cost of funding earning assets | 0.5569% | 2,294 |
| Net interest margin | 3.5817% | 3,437 |
| Noninterest income to average assets | 0.2947% | 5,058 |
| Noninterest expense to average assets | 3.3743% | 1,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1243% | 5,997 |
| Return on assets (ROA) | 0.1243% | 6,039 |
| Pretax return on assets | 0.1183% | 6,067 |
| Return on Equity (ROE) | 2.2807% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.2807% | 4,749 |
| Net charge-offs to loans | -0.0298% | 5,682 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6131% | 533 |
| Assets per employee ($millions) | 3.4164% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6733% | 551 |
| Loan loss allowance to noncurrent loans | 337.2439% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 5.8278% | 267 |
| Noncurrent loans to loans | 0.7927% | 3,711 |
| Net loans and leases to total assets | 66.5479% | 2,664 |
| Net loans and leases to deposits | 71.0707% | 3,697 |
| Net loans and leases to core deposits | 72.7577% | 3,974 |
| Total domestic deposits to total assets | 93.6362% | 60 |
| Equity capital to assets | 6.0671% | 6,526 |
| Core capital (leverage) ratio | 6.0666% | 6,531 |
| Tier 1 risk-based capital ratio | 8.9703% | 6,538 |
| Total risk-based capital ratio | 10.2383% | 6,531 |
| Memoranda: | ||
| Average total assets | $99,754,000 | 4,689 |
| Average earning assets | $89,063,330 | 4,749 |
| Average equity | $5,437,000 | 5,854 |
| Average total loans | $67,210,000 | 4,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 3,496 |
| Cost of funding earning assets | 0.5735% | 2,217 |
| Net interest margin | 3.4724% | 3,815 |
| Noninterest income to average assets | 0.3277% | 4,747 |
| Noninterest expense to average assets | 3.3928% | 1,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0360% | 6,155 |
| Return on assets (ROA) | 0.0360% | 6,174 |
| Pretax return on assets | 0.0320% | 6,175 |
| Return on Equity (ROE) | 0.6990% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.6990% | 5,312 |
| Net charge-offs to loans | -0.0239% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0665% | 499 |
| Assets per employee ($millions) | 3.4275% | 5,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6676% | 660 |
| Loan loss allowance to noncurrent loans | 261.9739% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 6.3885% | 257 |
| Noncurrent loans to loans | 1.0183% | 3,384 |
| Net loans and leases to total assets | 66.2579% | 2,526 |
| Net loans and leases to deposits | 70.6657% | 3,517 |
| Net loans and leases to core deposits | 72.5255% | 3,818 |
| Total domestic deposits to total assets | 93.7624% | 67 |
| Equity capital to assets | 5.9699% | 6,570 |
| Core capital (leverage) ratio | 6.0011% | 6,591 |
| Tier 1 risk-based capital ratio | 8.7664% | 6,604 |
| Total risk-based capital ratio | 10.0345% | 6,603 |
| Memoranda: | ||
| Average total assets | $100,093,000 | 4,734 |
| Average earning assets | $89,276,500 | 4,793 |
| Average equity | $5,150,000 | 5,958 |
| Average total loans | $66,943,000 | 4,360 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 4,661 |
| Cost of funding earning assets | 0.7699% | 1,378 |
| Net interest margin | 3.0700% | 5,402 |
| Noninterest income to average assets | 0.0751% | 6,467 |
| Noninterest expense to average assets | 3.4272% | 1,820 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.6346% | 6,532 |
| Return on assets (ROA) | -0.6346% | 6,536 |
| Pretax return on assets | -0.6045% | 6,513 |
| Return on Equity (ROE) | -14.1245% | 6,631 |
| Retained earnings to average equity (ytd only) | -14.1245% | 6,603 |
| Net charge-offs to loans | 0.0906% | 3,939 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -9.9077% | 5,423 |
| Efficiency ratio | 121.4167% | 166 |
| Assets per employee ($millions) | 3.5996% | 4,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7196% | 653 |
| Loan loss allowance to noncurrent loans | 82.0128% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 7.3729% | 223 |
| Noncurrent loans to loans | 3.3161% | 982 |
| Net loans and leases to total assets | 63.9173% | 3,056 |
| Net loans and leases to deposits | 66.9135% | 4,190 |
| Net loans and leases to core deposits | 68.4296% | 4,459 |
| Total domestic deposits to total assets | 95.5223% | 35 |
| Equity capital to assets | 4.3319% | 6,732 |
| Core capital (leverage) ratio | 4.2990% | 6,737 |
| Tier 1 risk-based capital ratio | 6.6386% | 6,742 |
| Total risk-based capital ratio | 7.9062% | 6,742 |
| Memoranda: | ||
| Average total assets | $106,528,800 | 4,577 |
| Average earning assets | $95,343,200 | 4,643 |
| Average equity | $4,786,000 | 6,120 |
| Average total loans | $71,729,000 | 4,196 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 3,865 |
| Cost of funding earning assets | 0.7975% | 1,341 |
| Net interest margin | 3.2729% | 4,741 |
| Noninterest income to average assets | 0.0519% | 6,627 |
| Noninterest expense to average assets | 3.4480% | 1,718 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.5051% | 6,601 |
| Return on assets (ROA) | -0.5051% | 6,613 |
| Pretax return on assets | -0.4668% | 6,583 |
| Return on Equity (ROE) | -11.1495% | 6,704 |
| Retained earnings to average equity (ytd only) | -11.1495% | 6,661 |
| Net charge-offs to loans | 0.1350% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -5.1084% | 5,141 |
| Efficiency ratio | 115.6587% | 208 |
| Assets per employee ($millions) | 3.6553% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7262% | 720 |
| Loan loss allowance to noncurrent loans | 47.2449% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 8.9918% | 176 |
| Noncurrent loans to loans | 5.7704% | 454 |
| Net loans and leases to total assets | 62.4725% | 3,270 |
| Net loans and leases to deposits | 65.6408% | 4,345 |
| Net loans and leases to core deposits | 67.3031% | 4,589 |
| Total domestic deposits to total assets | 95.1734% | 36 |
| Equity capital to assets | 4.5413% | 6,797 |
| Core capital (leverage) ratio | 4.4610% | 6,806 |
| Tier 1 risk-based capital ratio | 6.9723% | 6,806 |
| Total risk-based capital ratio | 8.2404% | 6,805 |
| Memoranda: | ||
| Average total assets | $107,964,000 | 4,593 |
| Average earning assets | $96,630,250 | 4,654 |
| Average equity | $4,891,000 | 6,171 |
| Average total loans | $73,105,750 | 4,193 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 3,796 |
| Cost of funding earning assets | 0.8134% | 1,343 |
| Net interest margin | 3.2719% | 4,681 |
| Noninterest income to average assets | -0.2039% | 6,868 |
| Noninterest expense to average assets | 3.3851% | 1,858 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6974% | 6,692 |
| Return on assets (ROA) | -0.6974% | 6,706 |
| Pretax return on assets | -0.6592% | 6,678 |
| Return on Equity (ROE) | -15.4063% | 6,800 |
| Retained earnings to average equity (ytd only) | -15.4063% | 6,765 |
| Net charge-offs to loans | -0.0953% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.1817% | 157 |
| Assets per employee ($millions) | 3.8280% | 4,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6377% | 843 |
| Loan loss allowance to noncurrent loans | 45.5569% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 8.9743% | 187 |
| Noncurrent loans to loans | 5.7900% | 514 |
| Net loans and leases to total assets | 65.4995% | 2,678 |
| Net loans and leases to deposits | 68.6790% | 3,910 |
| Net loans and leases to core deposits | 70.1650% | 4,258 |
| Total domestic deposits to total assets | 95.3706% | 34 |
| Equity capital to assets | 4.3729% | 6,854 |
| Core capital (leverage) ratio | 4.3218% | 6,861 |
| Tier 1 risk-based capital ratio | 6.3603% | 6,861 |
| Total risk-based capital ratio | 7.6264% | 6,864 |
| Memoranda: | ||
| Average total assets | $109,835,670 | 4,572 |
| Average earning assets | $98,352,670 | 4,639 |
| Average equity | $4,972,000 | 6,191 |
| Average total loans | $75,563,670 | 4,118 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2105% | 3,267 |
| Cost of funding earning assets | 0.8437% | 1,285 |
| Net interest margin | 3.3668% | 4,248 |
| Noninterest income to average assets | 0.1367% | 6,416 |
| Noninterest expense to average assets | 3.4292% | 1,767 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3131% | 6,584 |
| Return on assets (ROA) | -0.3131% | 6,617 |
| Pretax return on assets | -0.2771% | 6,589 |
| Return on Equity (ROE) | -6.8042% | 6,739 |
| Retained earnings to average equity (ytd only) | -6.8042% | 6,463 |
| Net charge-offs to loans | 0.0518% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -7.7000% | 4,093 |
| Efficiency ratio | 108.7900% | 347 |
| Assets per employee ($millions) | 3.9182% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5083% | 1,108 |
| Loan loss allowance to noncurrent loans | 38.7393% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 9.5498% | 217 |
| Noncurrent loans to loans | 6.4748% | 499 |
| Net loans and leases to total assets | 65.7549% | 2,415 |
| Net loans and leases to deposits | 69.0768% | 3,630 |
| Net loans and leases to core deposits | 70.9136% | 3,961 |
| Total domestic deposits to total assets | 95.1909% | 43 |
| Equity capital to assets | 4.6149% | 6,915 |
| Core capital (leverage) ratio | 4.5092% | 6,906 |
| Tier 1 risk-based capital ratio | 6.6298% | 6,911 |
| Total risk-based capital ratio | 7.8948% | 6,913 |
| Memoranda: | ||
| Average total assets | $111,161,500 | 4,596 |
| Average earning assets | $99,561,500 | 4,636 |
| Average equity | $5,114,500 | 6,213 |
| Average total loans | $77,292,000 | 4,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 4,281 |
| Cost of funding earning assets | 1.0001% | 1,362 |
| Net interest margin | 3.2783% | 5,327 |
| Noninterest income to average assets | -0.4826% | 7,027 |
| Noninterest expense to average assets | 3.3946% | 2,060 |
| Loan and lease loss provision to assets | 0.3617% | 1,834 |
| Net operating income to assets | -1.4052% | 6,839 |
| Return on assets (ROA) | -1.2277% | 6,817 |
| Pretax return on assets | -1.1135% | 6,763 |
| Return on Equity (ROE) | -24.3971% | 6,921 |
| Retained earnings to average equity (ytd only) | -24.3971% | 6,892 |
| Net charge-offs to loans | 1.7603% | 469 |
| Credit loss provision to net charge-offs | 28.1453% | 5,151 |
| Earnings coverage of net charge-offs (x) | -0.7231% | 5,716 |
| Efficiency ratio | 137.6944% | 126 |
| Assets per employee ($millions) | 3.8832% | 4,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3155% | 1,345 |
| Loan loss allowance to noncurrent loans | 29.4322% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 11.3600% | 168 |
| Noncurrent loans to loans | 7.8671% | 373 |
| Net loans and leases to total assets | 69.9052% | 1,857 |
| Net loans and leases to deposits | 73.4103% | 3,189 |
| Net loans and leases to core deposits | 76.1985% | 3,507 |
| Total domestic deposits to total assets | 95.2253% | 41 |
| Equity capital to assets | 4.5874% | 6,973 |
| Core capital (leverage) ratio | 4.4435% | 6,964 |
| Tier 1 risk-based capital ratio | 5.9621% | 6,992 |
| Total risk-based capital ratio | 7.2239% | 6,995 |
| Memoranda: | ||
| Average total assets | $119,985,200 | 4,364 |
| Average earning assets | $107,892,800 | 4,395 |
| Average equity | $6,037,600 | 6,012 |
| Average total loans | $87,596,400 | 3,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 4,600 |
| Cost of funding earning assets | 1.0223% | 1,438 |
| Net interest margin | 3.2395% | 5,584 |
| Noninterest income to average assets | -0.3984% | 7,115 |
| Noninterest expense to average assets | 3.3391% | 2,162 |
| Loan and lease loss provision to assets | 0.2211% | 2,852 |
| Net operating income to assets | -1.1655% | 6,899 |
| Return on assets (ROA) | -0.9324% | 6,870 |
| Pretax return on assets | -0.8088% | 6,809 |
| Return on Equity (ROE) | -18.1595% | 6,967 |
| Retained earnings to average equity (ytd only) | -18.1595% | 6,948 |
| Net charge-offs to loans | 1.9563% | 378 |
| Credit loss provision to net charge-offs | 15.4081% | 5,014 |
| Earnings coverage of net charge-offs (x) | -0.5721% | 5,514 |
| Efficiency ratio | 132.5945% | 138 |
| Assets per employee ($millions) | 4.0361% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2085% | 1,690 |
| Loan loss allowance to noncurrent loans | 23.5688% | 6,392 |
| Noncurrent assets plus other real estate owned to assets | 13.0999% | 126 |
| Noncurrent loans to loans | 9.3706% | 287 |
| Net loans and leases to total assets | 70.5529% | 1,806 |
| Net loans and leases to deposits | 74.4078% | 3,224 |
| Net loans and leases to core deposits | 77.3120% | 3,570 |
| Total domestic deposits to total assets | 94.8192% | 45 |
| Equity capital to assets | 4.9801% | 7,051 |
| Core capital (leverage) ratio | 4.7872% | 7,042 |
| Tier 1 risk-based capital ratio | 6.3061% | 7,079 |
| Total risk-based capital ratio | 7.5668% | 7,079 |
| Memoranda: | ||
| Average total assets | $121,828,000 | 4,356 |
| Average earning assets | $109,686,250 | 4,393 |
| Average equity | $6,255,500 | 6,019 |
| Average total loans | $89,348,250 | 3,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5378% | 3,616 |
| Cost of funding earning assets | 1.0413% | 1,516 |
| Net interest margin | 3.4966% | 4,680 |
| Noninterest income to average assets | -0.3241% | 7,162 |
| Noninterest expense to average assets | 3.3803% | 2,078 |
| Loan and lease loss provision to assets | 0.7146% | 752 |
| Net operating income to assets | -1.4179% | 7,004 |
| Return on assets (ROA) | -1.4179% | 7,021 |
| Pretax return on assets | -1.2575% | 6,959 |
| Return on Equity (ROE) | -27.3537% | 7,084 |
| Retained earnings to average equity (ytd only) | -27.3537% | 7,073 |
| Net charge-offs to loans | 0.8133% | 1,357 |
| Credit loss provision to net charge-offs | 119.1892% | 2,305 |
| Earnings coverage of net charge-offs (x) | -0.9054% | 5,296 |
| Efficiency ratio | 119.1319% | 235 |
| Assets per employee ($millions) | 4.5640% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4586% | 504 |
| Loan loss allowance to noncurrent loans | 31.2084% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 13.2601% | 138 |
| Noncurrent loans to loans | 11.0822% | 210 |
| Net loans and leases to total assets | 68.9760% | 2,103 |
| Net loans and leases to deposits | 72.5032% | 3,536 |
| Net loans and leases to core deposits | 75.1601% | 3,862 |
| Total domestic deposits to total assets | 95.1350% | 48 |
| Equity capital to assets | 4.7214% | 7,108 |
| Core capital (leverage) ratio | 4.5920% | 7,095 |
| Tier 1 risk-based capital ratio | 6.1613% | 7,122 |
| Total risk-based capital ratio | 7.4373% | 7,122 |
| Memoranda: | ||
| Average total assets | $123,421,670 | 4,343 |
| Average earning assets | $111,595,330 | 4,374 |
| Average equity | $6,397,670 | 6,014 |
| Average total loans | $90,982,670 | 3,781 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 3,079 |
| Cost of funding earning assets | 1.0616% | 1,611 |
| Net interest margin | 3.6314% | 4,122 |
| Noninterest income to average assets | -0.3303% | 7,231 |
| Noninterest expense to average assets | 3.5557% | 1,655 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.9003% | 6,980 |
| Return on assets (ROA) | -0.9003% | 6,995 |
| Pretax return on assets | -0.5959% | 6,859 |
| Return on Equity (ROE) | -16.6280% | 7,080 |
| Retained earnings to average equity (ytd only) | -16.6280% | 7,000 |
| Net charge-offs to loans | 1.6051% | 618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.4960% | 4,502 |
| Efficiency ratio | 120.1313% | 220 |
| Assets per employee ($millions) | 4.2899% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6612% | 479 |
| Loan loss allowance to noncurrent loans | 27.2021% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 13.9645% | 130 |
| Noncurrent loans to loans | 13.4593% | 153 |
| Net loans and leases to total assets | 71.0670% | 1,560 |
| Net loans and leases to deposits | 75.0758% | 2,960 |
| Net loans and leases to core deposits | 77.8010% | 3,356 |
| Total domestic deposits to total assets | 94.6603% | 71 |
| Equity capital to assets | 5.2272% | 7,126 |
| Core capital (leverage) ratio | 5.1533% | 7,108 |
| Tier 1 risk-based capital ratio | 6.6418% | 7,150 |
| Total risk-based capital ratio | 7.9200% | 7,151 |
| Memoranda: | ||
| Average total assets | $123,519,000 | 4,360 |
| Average earning assets | $111,911,500 | 4,387 |
| Average equity | $6,687,500 | 5,969 |
| Average total loans | $92,453,000 | 3,770 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4848% | 5,138 |
| Cost of funding earning assets | 1.2995% | 1,488 |
| Net interest margin | 3.1853% | 6,139 |
| Noninterest income to average assets | -0.2299% | 7,170 |
| Noninterest expense to average assets | 2.9206% | 3,876 |
| Loan and lease loss provision to assets | 1.7721% | 374 |
| Net operating income to assets | -3.6969% | 7,237 |
| Return on assets (ROA) | -3.6969% | 7,242 |
| Pretax return on assets | -2.0063% | 7,024 |
| Return on Equity (ROE) | -47.1958% | 7,195 |
| Retained earnings to average equity (ytd only) | -47.1958% | 7,192 |
| Net charge-offs to loans | 5.4993% | 61 |
| Credit loss provision to net charge-offs | 42.0383% | 5,594 |
| Earnings coverage of net charge-offs (x) | -0.0556% | 5,864 |
| Efficiency ratio | 108.7206% | 457 |
| Assets per employee ($millions) | 4.3796% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1933% | 685 |
| Loan loss allowance to noncurrent loans | 26.2281% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 14.6653% | 138 |
| Noncurrent loans to loans | 12.1751% | 214 |
| Net loans and leases to total assets | 73.5212% | 1,352 |
| Net loans and leases to deposits | 77.9524% | 2,849 |
| Net loans and leases to core deposits | 81.2287% | 3,296 |
| Total domestic deposits to total assets | 94.3154% | 82 |
| Equity capital to assets | 5.6038% | 7,118 |
| Core capital (leverage) ratio | 5.1092% | 7,134 |
| Tier 1 risk-based capital ratio | 6.6079% | 7,176 |
| Total risk-based capital ratio | 7.8794% | 7,179 |
| Memoranda: | ||
| Average total assets | $136,169,400 | 4,052 |
| Average earning assets | $124,665,000 | 4,046 |
| Average equity | $10,666,200 | 4,873 |
| Average total loans | $104,376,600 | 3,517 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 4,319 |
| Cost of funding earning assets | 1.3372% | 1,515 |
| Net interest margin | 3.3935% | 5,601 |
| Noninterest income to average assets | -0.2646% | 7,292 |
| Noninterest expense to average assets | 2.8738% | 4,042 |
| Loan and lease loss provision to assets | 1.3653% | 539 |
| Net operating income to assets | -0.8646% | 6,829 |
| Return on assets (ROA) | -0.8646% | 6,864 |
| Pretax return on assets | -1.3834% | 6,992 |
| Return on Equity (ROE) | -10.3889% | 6,900 |
| Retained earnings to average equity (ytd only) | -10.3889% | 6,865 |
| Net charge-offs to loans | 5.2579% | 83 |
| Credit loss provision to net charge-offs | 33.8065% | 5,359 |
| Earnings coverage of net charge-offs (x) | -0.0045% | 5,607 |
| Efficiency ratio | 100.6357% | 642 |
| Assets per employee ($millions) | 4.7413% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5627% | 539 |
| Loan loss allowance to noncurrent loans | 18.4417% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 17.3785% | 88 |
| Noncurrent loans to loans | 19.3190% | 62 |
| Net loans and leases to total assets | 71.4243% | 1,830 |
| Net loans and leases to deposits | 78.0334% | 2,981 |
| Net loans and leases to core deposits | 81.1495% | 3,461 |
| Total domestic deposits to total assets | 91.5303% | 289 |
| Equity capital to assets | 8.3137% | 6,471 |
| Core capital (leverage) ratio | 5.9790% | 7,144 |
| Tier 1 risk-based capital ratio | 7.7265% | 7,207 |
| Total risk-based capital ratio | 9.0032% | 7,208 |
| Memoranda: | ||
| Average total assets | $139,554,250 | 4,009 |
| Average earning assets | $128,321,000 | 3,986 |
| Average equity | $11,614,750 | 4,660 |
| Average total loans | $107,187,500 | 3,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 4,111 |
| Cost of funding earning assets | 1.3511% | 1,646 |
| Net interest margin | 3.4448% | 5,389 |
| Noninterest income to average assets | 0.1255% | 6,701 |
| Noninterest expense to average assets | 2.8797% | 4,103 |
| Loan and lease loss provision to assets | 1.1987% | 651 |
| Net operating income to assets | -0.4795% | 6,671 |
| Return on assets (ROA) | -0.4795% | 6,699 |
| Pretax return on assets | -0.7672% | 6,805 |
| Return on Equity (ROE) | -5.7591% | 6,763 |
| Retained earnings to average equity (ytd only) | -5.7591% | 6,635 |
| Net charge-offs to loans | 4.9500% | 129 |
| Credit loss provision to net charge-offs | 31.1812% | 4,970 |
| Earnings coverage of net charge-offs (x) | 0.1123% | 5,206 |
| Efficiency ratio | 86.9676% | 1,518 |
| Assets per employee ($millions) | 5.0699% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1744% | 363 |
| Loan loss allowance to noncurrent loans | 14.2843% | 6,878 |
| Noncurrent assets plus other real estate owned to assets | 23.9387% | 31 |
| Noncurrent loans to loans | 29.2234% | 15 |
| Net loans and leases to total assets | 74.2065% | 1,372 |
| Net loans and leases to deposits | 81.1788% | 2,582 |
| Net loans and leases to core deposits | 84.3336% | 3,163 |
| Total domestic deposits to total assets | 91.4112% | 364 |
| Equity capital to assets | 8.4785% | 6,213 |
| Core capital (leverage) ratio | 6.4362% | 7,136 |
| Tier 1 risk-based capital ratio | 8.0871% | 7,241 |
| Total risk-based capital ratio | 9.3720% | 7,242 |
| Memoranda: | ||
| Average total assets | $141,820,330 | 3,996 |
| Average earning assets | $131,154,000 | 3,958 |
| Average equity | $11,807,330 | 4,607 |
| Average total loans | $110,142,330 | 3,451 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8575% | 3,783 |
| Cost of funding earning assets | 1.3636% | 1,812 |
| Net interest margin | 3.4940% | 5,039 |
| Noninterest income to average assets | 0.0416% | 7,174 |
| Noninterest expense to average assets | 3.0439% | 3,470 |
| Loan and lease loss provision to assets | 0.0693% | 5,125 |
| Net operating income to assets | 0.1081% | 6,075 |
| Return on assets (ROA) | 0.1081% | 6,129 |
| Pretax return on assets | 0.1747% | 5,998 |
| Return on Equity (ROE) | 1.3100% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.3100% | 5,302 |
| Net charge-offs to loans | 4.0887% | 220 |
| Credit loss provision to net charge-offs | 2.1796% | 4,459 |
| Earnings coverage of net charge-offs (x) | 0.0767% | 4,534 |
| Efficiency ratio | 92.5801% | 1,127 |
| Assets per employee ($millions) | 5.0496% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6522% | 252 |
| Loan loss allowance to noncurrent loans | 15.6390% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 24.0013% | 31 |
| Noncurrent loans to loans | 29.7474% | 13 |
| Net loans and leases to total assets | 75.0736% | 1,166 |
| Net loans and leases to deposits | 82.0343% | 2,359 |
| Net loans and leases to core deposits | 85.1462% | 3,012 |
| Total domestic deposits to total assets | 91.5148% | 414 |
| Equity capital to assets | 8.4307% | 6,012 |
| Core capital (leverage) ratio | 6.6243% | 7,137 |
| Tier 1 risk-based capital ratio | 8.2837% | 7,276 |
| Total risk-based capital ratio | 9.5756% | 7,274 |
| Memoranda: | ||
| Average total assets | $144,287,000 | 3,987 |
| Average earning assets | $134,059,500 | 3,935 |
| Average equity | $11,908,000 | 4,571 |
| Average total loans | $112,211,500 | 3,438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8458% | 5,250 |
| Cost of funding earning assets | 1.9406% | 738 |
| Net interest margin | 2.9052% | 6,883 |
| Noninterest income to average assets | -0.1430% | 7,432 |
| Noninterest expense to average assets | 2.0438% | 6,957 |
| Loan and lease loss provision to assets | 4.5518% | 101 |
| Net operating income to assets | -2.5798% | 7,200 |
| Return on assets (ROA) | -2.5798% | 7,220 |
| Pretax return on assets | -4.1607% | 7,458 |
| Return on Equity (ROE) | -28.5340% | 7,199 |
| Retained earnings to average equity (ytd only) | -28.5340% | 7,187 |
| Net charge-offs to loans | 3.0460% | 535 |
| Credit loss provision to net charge-offs | 204.3257% | 1,522 |
| Earnings coverage of net charge-offs (x) | 0.1756% | 5,931 |
| Efficiency ratio | 83.9369% | 1,927 |
| Assets per employee ($millions) | 5.0754% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5712% | 136 |
| Loan loss allowance to noncurrent loans | 18.2426% | 6,874 |
| Noncurrent assets plus other real estate owned to assets | 23.8895% | 37 |
| Noncurrent loans to loans | 30.5396% | 10 |
| Net loans and leases to total assets | 72.5599% | 1,973 |
| Net loans and leases to deposits | 78.9996% | 3,337 |
| Net loans and leases to core deposits | 81.9946% | 3,908 |
| Total domestic deposits to total assets | 91.8484% | 309 |
| Equity capital to assets | 8.0823% | 6,403 |
| Core capital (leverage) ratio | 6.0219% | 7,299 |
| Tier 1 risk-based capital ratio | 7.9645% | 7,352 |
| Total risk-based capital ratio | 9.2672% | 7,354 |
| Memoranda: | ||
| Average total assets | $158,772,000 | 3,722 |
| Average earning assets | $140,883,800 | 3,799 |
| Average equity | $14,354,800 | 4,058 |
| Average total loans | $116,118,800 | 3,401 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9779% | 4,916 |
| Cost of funding earning assets | 2.0476% | 644 |
| Net interest margin | 2.9303% | 6,959 |
| Noninterest income to average assets | -0.0553% | 7,502 |
| Noninterest expense to average assets | 1.8795% | 7,237 |
| Loan and lease loss provision to assets | 4.2860% | 129 |
| Net operating income to assets | -2.2630% | 7,295 |
| Return on assets (ROA) | -2.2630% | 7,311 |
| Pretax return on assets | -3.6502% | 7,522 |
| Return on Equity (ROE) | -24.4402% | 7,308 |
| Retained earnings to average equity (ytd only) | -24.4402% | 7,296 |
| Net charge-offs to loans | 3.5205% | 379 |
| Credit loss provision to net charge-offs | 168.4057% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.2498% | 5,767 |
| Efficiency ratio | 74.7213% | 3,194 |
| Assets per employee ($millions) | 5.4807% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1085% | 335 |
| Loan loss allowance to noncurrent loans | 34.0300% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 9.3381% | 461 |
| Noncurrent loans to loans | 12.0732% | 286 |
| Net loans and leases to total assets | 69.3406% | 2,891 |
| Net loans and leases to deposits | 75.7015% | 4,228 |
| Net loans and leases to core deposits | 78.8431% | 4,694 |
| Total domestic deposits to total assets | 91.5975% | 283 |
| Equity capital to assets | 8.3050% | 6,502 |
| Core capital (leverage) ratio | 7.0320% | 7,147 |
| Tier 1 risk-based capital ratio | 9.5987% | 7,229 |
| Total risk-based capital ratio | 10.8834% | 7,206 |
| Memoranda: | ||
| Average total assets | $161,668,500 | 3,726 |
| Average earning assets | $141,823,500 | 3,836 |
| Average equity | $14,969,500 | 3,994 |
| Average total loans | $116,873,750 | 3,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 4,147 |
| Cost of funding earning assets | 2.2086% | 454 |
| Net interest margin | 2.9505% | 6,934 |
| Noninterest income to average assets | 0.1329% | 6,924 |
| Noninterest expense to average assets | 1.9732% | 7,151 |
| Loan and lease loss provision to assets | 2.6277% | 420 |
| Net operating income to assets | -1.2019% | 7,030 |
| Return on assets (ROA) | -1.2019% | 7,047 |
| Pretax return on assets | -1.9388% | 7,219 |
| Return on Equity (ROE) | -12.5584% | 7,058 |
| Retained earnings to average equity (ytd only) | -12.5584% | 7,019 |
| Net charge-offs to loans | 0.5276% | 2,954 |
| Credit loss provision to net charge-offs | 689.0323% | 541 |
| Earnings coverage of net charge-offs (x) | 1.8065% | 4,164 |
| Efficiency ratio | 74.1220% | 3,451 |
| Assets per employee ($millions) | 5.6701% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8011% | 436 |
| Loan loss allowance to noncurrent loans | 69.1445% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 4.5788% | 1,434 |
| Noncurrent loans to loans | 5.4973% | 1,202 |
| Net loans and leases to total assets | 68.2915% | 3,291 |
| Net loans and leases to deposits | 75.3033% | 4,460 |
| Net loans and leases to core deposits | 78.3343% | 4,886 |
| Total domestic deposits to total assets | 90.6886% | 604 |
| Equity capital to assets | 9.2026% | 5,142 |
| Core capital (leverage) ratio | 8.7596% | 4,991 |
| Tier 1 risk-based capital ratio | 12.1064% | 5,219 |
| Total risk-based capital ratio | 13.3864% | 5,162 |
| Memoranda: | ||
| Average total assets | $162,578,000 | 3,731 |
| Average earning assets | $139,367,000 | 3,914 |
| Average equity | $15,559,330 | 3,882 |
| Average total loans | $117,521,000 | 3,448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2207% | 3,917 |
| Cost of funding earning assets | 2.2419% | 516 |
| Net interest margin | 2.9788% | 6,881 |
| Noninterest income to average assets | 0.1163% | 7,112 |
| Noninterest expense to average assets | 1.8336% | 7,432 |
| Loan and lease loss provision to assets | 3.0312% | 327 |
| Net operating income to assets | -1.3263% | 7,264 |
| Return on assets (ROA) | -1.3263% | 7,277 |
| Pretax return on assets | -2.1379% | 7,444 |
| Return on Equity (ROE) | -13.5928% | 7,277 |
| Retained earnings to average equity (ytd only) | -13.5928% | 7,151 |
| Net charge-offs to loans | 0.3189% | 3,137 |
| Credit loss provision to net charge-offs | 1,303.1915% | 373 |
| Earnings coverage of net charge-offs (x) | 3.8404% | 2,765 |
| Efficiency ratio | 67.2414% | 4,869 |
| Assets per employee ($millions) | 5.5127% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1839% | 703 |
| Loan loss allowance to noncurrent loans | 53.5336% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 4.6946% | 1,411 |
| Noncurrent loans to loans | 5.9475% | 1,113 |
| Net loans and leases to total assets | 68.8029% | 3,200 |
| Net loans and leases to deposits | 75.9857% | 4,418 |
| Net loans and leases to core deposits | 79.5613% | 4,818 |
| Total domestic deposits to total assets | 90.5473% | 715 |
| Equity capital to assets | 9.3910% | 4,687 |
| Core capital (leverage) ratio | 9.3718% | 3,946 |
| Tier 1 risk-based capital ratio | 12.4338% | 4,809 |
| Total risk-based capital ratio | 13.7063% | 4,735 |
| Memoranda: | ||
| Average total assets | $161,651,000 | 3,807 |
| Average earning assets | $141,667,000 | 3,929 |
| Average equity | $15,773,000 | 3,872 |
| Average total loans | $117,916,500 | 3,498 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2935% | 5,204 |
| Cost of funding earning assets | 2.8256% | 405 |
| Net interest margin | 2.4679% | 7,457 |
| Noninterest income to average assets | 0.1518% | 6,974 |
| Noninterest expense to average assets | 1.7681% | 7,640 |
| Loan and lease loss provision to assets | 0.9590% | 2,360 |
| Net operating income to assets | -0.1660% | 5,789 |
| Return on assets (ROA) | -0.1660% | 5,794 |
| Pretax return on assets | -0.2672% | 5,796 |
| Return on Equity (ROE) | -1.6777% | 5,804 |
| Retained earnings to average equity (ytd only) | -2.4137% | 5,600 |
| Net charge-offs to loans | 0.3474% | 4,491 |
| Credit loss provision to net charge-offs | 385.6079% | 824 |
| Earnings coverage of net charge-offs (x) | 2.7816% | 3,699 |
| Efficiency ratio | 71.8766% | 4,279 |
| Assets per employee ($millions) | 5.2640% | 1,871 |
| Cash dividends to net income (ytd only)* | -43.8662% | 7,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,640 |
| Loan loss allowance to noncurrent loans | 88.8095% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 2.3518% | 2,947 |
| Noncurrent loans to loans | 2.4851% | 3,057 |
| Net loans and leases to total assets | 73.2600% | 2,437 |
| Net loans and leases to deposits | 81.5906% | 3,677 |
| Net loans and leases to core deposits | 114.9676% | 2,418 |
| Total domestic deposits to total assets | 89.7898% | 1,063 |
| Equity capital to assets | 10.1411% | 3,574 |
| Core capital (leverage) ratio | 9.7758% | 3,361 |
| Tier 1 risk-based capital ratio | 12.6190% | 4,424 |
| Total risk-based capital ratio | 13.8798% | 4,360 |
| Memoranda: | ||
| Average total assets | $162,037,400 | 3,729 |
| Average earning assets | $151,545,600 | 3,681 |
| Average equity | $16,033,400 | 3,865 |
| Average total loans | $115,988,000 | 3,566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 5,610 |
| Cost of funding earning assets | 2.9544% | 379 |
| Net interest margin | 2.3089% | 7,637 |
| Noninterest income to average assets | 0.1570% | 7,069 |
| Noninterest expense to average assets | 1.7547% | 7,704 |
| Loan and lease loss provision to assets | 0.9436% | 2,039 |
| Net operating income to assets | -0.2298% | 6,113 |
| Return on assets (ROA) | -0.2298% | 6,120 |
| Pretax return on assets | -0.3712% | 6,163 |
| Return on Equity (ROE) | -2.3361% | 6,145 |
| Retained earnings to average equity (ytd only) | -3.3171% | 5,992 |
| Net charge-offs to loans | 0.0763% | 5,924 |
| Credit loss provision to net charge-offs | 1,748.4848% | 226 |
| Earnings coverage of net charge-offs (x) | 10.6058% | 1,944 |
| Efficiency ratio | 75.4041% | 3,608 |
| Assets per employee ($millions) | 5.4087% | 1,699 |
| Cash dividends to net income (ytd only)* | -41.9927% | 7,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1489% | 1,505 |
| Loan loss allowance to noncurrent loans | 67.8020% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.3160% | 2,960 |
| Noncurrent loans to loans | 3.1693% | 2,385 |
| Net loans and leases to total assets | 71.5064% | 3,153 |
| Net loans and leases to deposits | 79.4553% | 4,485 |
| Net loans and leases to core deposits | 114.4217% | 2,789 |
| Total domestic deposits to total assets | 89.9957% | 768 |
| Equity capital to assets | 9.8551% | 4,277 |
| Core capital (leverage) ratio | 9.5388% | 3,858 |
| Tier 1 risk-based capital ratio | 12.6795% | 4,407 |
| Total risk-based capital ratio | 13.9393% | 4,355 |
| Memoranda: | ||
| Average total assets | $163,066,500 | 3,743 |
| Average earning assets | $153,256,750 | 3,664 |
| Average equity | $16,038,000 | 3,906 |
| Average total loans | $115,409,000 | 3,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 5,803 |
| Cost of funding earning assets | 3.0832% | 370 |
| Net interest margin | 2.1836% | 7,759 |
| Noninterest income to average assets | 0.1580% | 7,146 |
| Noninterest expense to average assets | 1.7449% | 7,793 |
| Loan and lease loss provision to assets | 0.7396% | 2,217 |
| Net operating income to assets | -0.1653% | 6,129 |
| Return on assets (ROA) | -0.1653% | 6,152 |
| Pretax return on assets | -0.2669% | 6,199 |
| Return on Equity (ROE) | -1.6819% | 6,173 |
| Retained earnings to average equity (ytd only) | -3.1519% | 5,994 |
| Net charge-offs to loans | 0.1049% | 5,112 |
| Credit loss provision to net charge-offs | 1,006.6667% | 479 |
| Earnings coverage of net charge-offs (x) | 6.4333% | 2,621 |
| Efficiency ratio | 78.6858% | 3,237 |
| Assets per employee ($millions) | 5.5579% | 1,536 |
| Cash dividends to net income (ytd only)* | -87.4074% | 8,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 2,154 |
| Loan loss allowance to noncurrent loans | 54.8440% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 2.2994% | 2,833 |
| Noncurrent loans to loans | 3.2058% | 2,224 |
| Net loans and leases to total assets | 67.1589% | 4,328 |
| Net loans and leases to deposits | 74.4411% | 5,388 |
| Net loans and leases to core deposits | 112.1822% | 3,114 |
| Total domestic deposits to total assets | 90.2175% | 745 |
| Equity capital to assets | 9.5948% | 4,494 |
| Core capital (leverage) ratio | 9.4338% | 3,986 |
| Tier 1 risk-based capital ratio | 12.9486% | 4,186 |
| Total risk-based capital ratio | 14.2036% | 4,098 |
| Memoranda: | ||
| Average total assets | $163,335,000 | 3,752 |
| Average earning assets | $154,058,670 | 3,664 |
| Average equity | $16,053,670 | 3,912 |
| Average total loans | $114,353,670 | 3,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 5,501 |
| Cost of funding earning assets | 3.2029% | 342 |
| Net interest margin | 2.1824% | 7,813 |
| Noninterest income to average assets | 0.1559% | 7,194 |
| Noninterest expense to average assets | 1.5442% | 7,951 |
| Loan and lease loss provision to assets | 1.4230% | 893 |
| Net operating income to assets | -0.4628% | 6,837 |
| Return on assets (ROA) | -0.4628% | 6,900 |
| Pretax return on assets | -0.7474% | 6,998 |
| Return on Equity (ROE) | -4.6513% | 6,953 |
| Retained earnings to average equity (ytd only) | -4.6513% | 6,506 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5652% | 4,664 |
| Assets per employee ($millions) | 5.5583% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,919 |
| Loan loss allowance to noncurrent loans | 210.8808% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 5,738 |
| Noncurrent loans to loans | 0.8411% | 5,338 |
| Net loans and leases to total assets | 67.5838% | 4,227 |
| Net loans and leases to deposits | 74.8880% | 5,359 |
| Net loans and leases to core deposits | 112.8551% | 3,124 |
| Total domestic deposits to total assets | 90.2465% | 697 |
| Equity capital to assets | 9.6594% | 4,442 |
| Core capital (leverage) ratio | 9.7085% | 3,748 |
| Tier 1 risk-based capital ratio | 13.0663% | 4,147 |
| Total risk-based capital ratio | 14.3216% | 4,055 |
| Memoranda: | ||
| Average total assets | $161,634,500 | 3,805 |
| Average earning assets | $152,861,000 | 3,698 |
| Average equity | $16,081,500 | 3,932 |
| Average total loans | $114,539,500 | 3,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2505% | 4,235 |
| Cost of funding earning assets | 3.5041% | 510 |
| Net interest margin | 2.7464% | 7,414 |
| Noninterest income to average assets | 0.1349% | 7,429 |
| Noninterest expense to average assets | 1.8021% | 7,752 |
| Loan and lease loss provision to assets | 0.1430% | 5,525 |
| Net operating income to assets | 0.4844% | 4,809 |
| Return on assets (ROA) | 0.4844% | 4,630 |
| Pretax return on assets | 0.7819% | 4,134 |
| Return on Equity (ROE) | 4.5225% | 4,589 |
| Retained earnings to average equity (ytd only) | 3.1872% | 3,165 |
| Net charge-offs to loans | 0.0196% | 6,586 |
| Credit loss provision to net charge-offs | 1,009.5238% | 438 |
| Earnings coverage of net charge-offs (x) | 65.2857% | 619 |
| Efficiency ratio | 66.0811% | 5,111 |
| Assets per employee ($millions) | 5.2173% | 1,711 |
| Cash dividends to net income (ytd only)* | 29.5265% | 4,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 3,950 |
| Loan loss allowance to noncurrent loans | 312.6338% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2984% | 6,401 |
| Noncurrent loans to loans | 0.4084% | 6,118 |
| Net loans and leases to total assets | 72.1242% | 3,557 |
| Net loans and leases to deposits | 80.4906% | 4,960 |
| Net loans and leases to core deposits | 120.4486% | 2,644 |
| Total domestic deposits to total assets | 89.6057% | 806 |
| Equity capital to assets | 10.2582% | 3,749 |
| Core capital (leverage) ratio | 10.7650% | 2,770 |
| Tier 1 risk-based capital ratio | 13.0866% | 4,064 |
| Total risk-based capital ratio | 14.2793% | 4,004 |
| Memoranda: | ||
| Average total assets | $148,219,600 | 3,933 |
| Average earning assets | $139,891,800 | 3,852 |
| Average equity | $15,876,200 | 3,955 |
| Average total loans | $107,194,000 | 3,760 |