Home > Geauga Savings Bank > Performance and Condition Ratios
Geauga Savings Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 1,290 |
| Cost of funding earning assets | 1.7522% | 167 |
| Net interest margin | 3.3176% | 3,948 |
| Noninterest income to average assets | 0.0817% | 4,969 |
| Noninterest expense to average assets | 2.4817% | 3,501 |
| Loan and lease loss provision to assets | 0.1796% | 1,161 |
| Net operating income to assets | 0.5018% | 4,399 |
| Return on assets (ROA) | 0.3790% | 4,662 |
| Pretax return on assets | 0.4809% | 4,604 |
| Return on Equity (ROE) | 2.5858% | 4,729 |
| Retained earnings to average equity (ytd only) | -3.5533% | 4,934 |
| Net charge-offs to loans | 0.4775% | 396 |
| Credit loss provision to net charge-offs | 56.3205% | 3,072 |
| Earnings coverage of net charge-offs (x) | 2.5587% | 3,403 |
| Efficiency ratio | 75.2565% | 1,456 |
| Assets per employee ($millions) | 5.8112% | 1,785 |
| Cash dividends to net income (ytd only)* | 237.4169% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 3,895 |
| Loan loss allowance to noncurrent loans | 47.0238% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.3382% | 809 |
| Noncurrent loans to loans | 1.9478% | 666 |
| Net loans and leases to total assets | 65.7102% | 2,984 |
| Net loans and leases to deposits | 97.3978% | 808 |
| Net loans and leases to core deposits | 104.2515% | 1,214 |
| Total domestic deposits to total assets | 67.4658% | 4,995 |
| Equity capital to assets | 14.6731% | 872 |
| Core capital (leverage) ratio | 14.6667% | 755 |
| Tier 1 risk-based capital ratio | 20.8264% | 1,197 |
| Total risk-based capital ratio | 21.6807% | 1,229 |
| Memoranda: | ||
| Average total assets | $277,834,600 | 2,284 |
| Average earning assets | $269,318,800 | 2,213 |
| Average equity | $40,722,800 | 1,903 |
| Average total loans | $185,553,600 | 2,268 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 1,282 |
| Cost of funding earning assets | 1.7482% | 170 |
| Net interest margin | 3.3524% | 3,981 |
| Noninterest income to average assets | 0.0836% | 5,034 |
| Noninterest expense to average assets | 2.2579% | 4,056 |
| Loan and lease loss provision to assets | 0.0024% | 3,812 |
| Net operating income to assets | 0.8450% | 3,530 |
| Return on assets (ROA) | 0.6819% | 4,132 |
| Pretax return on assets | 0.8645% | 3,965 |
| Return on Equity (ROE) | 4.6536% | 4,442 |
| Retained earnings to average equity (ytd only) | -3.4992% | 5,011 |
| Net charge-offs to loans | 0.2057% | 853 |
| Credit loss provision to net charge-offs | 1.7361% | 3,026 |
| Earnings coverage of net charge-offs (x) | 7.7986% | 2,712 |
| Efficiency ratio | 67.7808% | 2,456 |
| Assets per employee ($millions) | 5.6088% | 1,930 |
| Cash dividends to net income (ytd only)* | 175.1926% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,777 |
| Loan loss allowance to noncurrent loans | 38.4012% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 582 |
| Noncurrent loans to loans | 2.5010% | 465 |
| Net loans and leases to total assets | 66.1495% | 3,030 |
| Net loans and leases to deposits | 97.8498% | 833 |
| Net loans and leases to core deposits | 104.2318% | 1,308 |
| Total domestic deposits to total assets | 67.6031% | 5,069 |
| Equity capital to assets | 14.8211% | 900 |
| Core capital (leverage) ratio | 14.7276% | 805 |
| Tier 1 risk-based capital ratio | 20.8304% | 1,209 |
| Total risk-based capital ratio | 21.7301% | 1,258 |
| Memoranda: | ||
| Average total assets | $279,012,000 | 2,294 |
| Average earning assets | $270,285,750 | 2,228 |
| Average equity | $40,884,500 | 1,898 |
| Average total loans | $186,659,500 | 2,287 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1081% | 1,196 |
| Cost of funding earning assets | 1.7133% | 174 |
| Net interest margin | 3.3949% | 3,909 |
| Noninterest income to average assets | 0.0599% | 5,138 |
| Noninterest expense to average assets | 2.2938% | 4,018 |
| Loan and lease loss provision to assets | 0.0036% | 3,642 |
| Net operating income to assets | 0.8281% | 3,550 |
| Return on assets (ROA) | 0.5891% | 4,376 |
| Pretax return on assets | 0.7475% | 4,223 |
| Return on Equity (ROE) | 4.0357% | 4,574 |
| Retained earnings to average equity (ytd only) | -8.1788% | 5,136 |
| Net charge-offs to loans | 0.2973% | 573 |
| Credit loss provision to net charge-offs | 1.7921% | 2,722 |
| Earnings coverage of net charge-offs (x) | 5.2939% | 2,674 |
| Efficiency ratio | 68.5276% | 2,442 |
| Assets per employee ($millions) | 5.5347% | 1,929 |
| Cash dividends to net income (ytd only)* | 302.6634% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 3,858 |
| Loan loss allowance to noncurrent loans | 36.1190% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.8339% | 541 |
| Noncurrent loans to loans | 2.6462% | 421 |
| Net loans and leases to total assets | 66.3542% | 3,060 |
| Net loans and leases to deposits | 94.9659% | 1,154 |
| Net loans and leases to core deposits | 100.9633% | 1,635 |
| Total domestic deposits to total assets | 69.8716% | 5,050 |
| Equity capital to assets | 14.4813% | 953 |
| Core capital (leverage) ratio | 14.3322% | 873 |
| Tier 1 risk-based capital ratio | 20.6605% | 1,222 |
| Total risk-based capital ratio | 21.5708% | 1,256 |
| Memoranda: | ||
| Average total assets | $280,405,330 | 2,294 |
| Average earning assets | $271,528,670 | 2,218 |
| Average equity | $40,935,000 | 1,898 |
| Average total loans | $187,691,670 | 2,279 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 1,163 |
| Cost of funding earning assets | 1.6333% | 204 |
| Net interest margin | 3.4379% | 3,784 |
| Noninterest income to average assets | 0.0227% | 5,271 |
| Noninterest expense to average assets | 2.3129% | 3,986 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8173% | 3,561 |
| Return on assets (ROA) | 0.2877% | 4,922 |
| Pretax return on assets | 0.3685% | 4,878 |
| Return on Equity (ROE) | 1.9630% | 4,972 |
| Retained earnings to average equity (ytd only) | 1.9630% | 4,080 |
| Net charge-offs to loans | 0.6037% | 246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.5719% | 2,481 |
| Efficiency ratio | 69.0063% | 2,499 |
| Assets per employee ($millions) | 5.9662% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9189% | 4,084 |
| Loan loss allowance to noncurrent loans | 33.5876% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 560 |
| Noncurrent loans to loans | 2.7358% | 435 |
| Net loans and leases to total assets | 66.3046% | 3,008 |
| Net loans and leases to deposits | 94.5929% | 1,102 |
| Net loans and leases to core deposits | 100.3583% | 1,591 |
| Total domestic deposits to total assets | 70.0947% | 5,109 |
| Equity capital to assets | 14.5686% | 864 |
| Core capital (leverage) ratio | 15.0435% | 687 |
| Tier 1 risk-based capital ratio | 20.8228% | 1,193 |
| Total risk-based capital ratio | 21.6940% | 1,235 |
| Memoranda: | ||
| Average total assets | $282,240,000 | 2,300 |
| Average earning assets | $273,309,500 | 2,215 |
| Average equity | $41,365,000 | 1,877 |
| Average total loans | $188,838,500 | 2,295 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 1,536 |
| Cost of funding earning assets | 1.2447% | 280 |
| Net interest margin | 3.5617% | 3,508 |
| Noninterest income to average assets | 0.0706% | 5,228 |
| Noninterest expense to average assets | 2.4164% | 3,841 |
| Loan and lease loss provision to assets | -0.3081% | 5,363 |
| Net operating income to assets | 1.1038% | 2,581 |
| Return on assets (ROA) | 0.9356% | 3,296 |
| Pretax return on assets | 1.1849% | 2,936 |
| Return on Equity (ROE) | 6.1646% | 4,124 |
| Retained earnings to average equity (ytd only) | -5.5820% | 5,258 |
| Net charge-offs to loans | -0.3960% | 5,330 |
| Credit loss provision to net charge-offs | 121.6901% | 2,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9210% | 2,403 |
| Assets per employee ($millions) | 5.6774% | 1,791 |
| Cash dividends to net income (ytd only)* | 190.5488% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,101 |
| Loan loss allowance to noncurrent loans | 38.2501% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.9565% | 494 |
| Noncurrent loans to loans | 2.8753% | 371 |
| Net loans and leases to total assets | 66.1367% | 3,110 |
| Net loans and leases to deposits | 93.5322% | 1,331 |
| Net loans and leases to core deposits | 99.4234% | 1,764 |
| Total domestic deposits to total assets | 70.7101% | 5,133 |
| Equity capital to assets | 14.7688% | 771 |
| Core capital (leverage) ratio | 14.9122% | 712 |
| Tier 1 risk-based capital ratio | 22.0354% | 1,027 |
| Total risk-based capital ratio | 23.1097% | 1,033 |
| Memoranda: | ||
| Average total assets | $280,456,200 | 2,269 |
| Average earning assets | $270,515,000 | 2,189 |
| Average equity | $42,565,600 | 1,758 |
| Average total loans | $179,313,000 | 2,341 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 1,544 |
| Cost of funding earning assets | 1.1637% | 303 |
| Net interest margin | 3.5871% | 3,411 |
| Noninterest income to average assets | 0.0897% | 5,244 |
| Noninterest expense to average assets | 2.3433% | 3,987 |
| Loan and lease loss provision to assets | -0.4099% | 5,446 |
| Net operating income to assets | 1.2738% | 1,953 |
| Return on assets (ROA) | 1.1216% | 2,579 |
| Pretax return on assets | 1.4210% | 2,151 |
| Return on Equity (ROE) | 7.3411% | 3,804 |
| Retained earnings to average equity (ytd only) | -8.1857% | 5,366 |
| Net charge-offs to loans | -0.5044% | 5,401 |
| Credit loss provision to net charge-offs | 128.5714% | 1,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0647% | 2,862 |
| Assets per employee ($millions) | 5.9764% | 1,504 |
| Cash dividends to net income (ytd only)* | 211.5060% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0922% | 3,235 |
| Loan loss allowance to noncurrent loans | 39.7152% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.8349% | 620 |
| Noncurrent loans to loans | 2.7501% | 438 |
| Net loans and leases to total assets | 64.7373% | 3,341 |
| Net loans and leases to deposits | 87.8688% | 2,170 |
| Net loans and leases to core deposits | 92.4406% | 2,435 |
| Total domestic deposits to total assets | 73.6750% | 5,008 |
| Equity capital to assets | 14.3615% | 864 |
| Core capital (leverage) ratio | 14.7791% | 762 |
| Tier 1 risk-based capital ratio | 22.1386% | 1,032 |
| Total risk-based capital ratio | 23.2045% | 1,035 |
| Memoranda: | ||
| Average total assets | $281,021,500 | 2,273 |
| Average earning assets | $270,854,250 | 2,201 |
| Average equity | $42,935,500 | 1,741 |
| Average total loans | $177,632,500 | 2,366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7152% | 1,466 |
| Cost of funding earning assets | 1.0938% | 299 |
| Net interest margin | 3.6214% | 3,231 |
| Noninterest income to average assets | 0.1380% | 5,124 |
| Noninterest expense to average assets | 2.3197% | 4,101 |
| Loan and lease loss provision to assets | -0.6148% | 5,521 |
| Net operating income to assets | 1.5162% | 1,114 |
| Return on assets (ROA) | 1.2880% | 1,825 |
| Pretax return on assets | 1.6309% | 1,400 |
| Return on Equity (ROE) | 8.2647% | 3,383 |
| Retained earnings to average equity (ytd only) | 8.2647% | 1,511 |
| Net charge-offs to loans | -1.0652% | 5,490 |
| Credit loss provision to net charge-offs | 92.4064% | 2,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9969% | 3,317 |
| Assets per employee ($millions) | 5.6219% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 2,391 |
| Loan loss allowance to noncurrent loans | 41.4038% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 2.1652% | 462 |
| Noncurrent loans to loans | 3.0367% | 371 |
| Net loans and leases to total assets | 67.4993% | 2,945 |
| Net loans and leases to deposits | 98.1715% | 955 |
| Net loans and leases to core deposits | 103.2733% | 1,456 |
| Total domestic deposits to total assets | 68.7565% | 5,317 |
| Equity capital to assets | 17.0222% | 401 |
| Core capital (leverage) ratio | 16.5502% | 438 |
| Tier 1 risk-based capital ratio | 24.6955% | 761 |
| Total risk-based capital ratio | 25.9107% | 745 |
| Memoranda: | ||
| Average total assets | $281,065,670 | 2,281 |
| Average earning assets | $270,611,670 | 2,205 |
| Average equity | $43,800,670 | 1,710 |
| Average total loans | $175,560,670 | 2,395 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4291% | 2,095 |
| Cost of funding earning assets | 1.0155% | 346 |
| Net interest margin | 3.4136% | 3,840 |
| Noninterest income to average assets | 0.1271% | 5,227 |
| Noninterest expense to average assets | 2.1735% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9810% | 2,934 |
| Return on assets (ROA) | 0.5596% | 4,545 |
| Pretax return on assets | 0.7088% | 4,416 |
| Return on Equity (ROE) | 3.7490% | 4,834 |
| Retained earnings to average equity (ytd only) | 3.7490% | 3,695 |
| Net charge-offs to loans | -0.2474% | 5,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6327% | 3,541 |
| Assets per employee ($millions) | 6.0813% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,181 |
| Loan loss allowance to noncurrent loans | 38.6303% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.2335% | 457 |
| Noncurrent loans to loans | 3.4007% | 313 |
| Net loans and leases to total assets | 61.9519% | 3,557 |
| Net loans and leases to deposits | 93.3067% | 1,301 |
| Net loans and leases to core deposits | 98.3765% | 1,814 |
| Total domestic deposits to total assets | 66.3961% | 5,454 |
| Equity capital to assets | 15.5594% | 559 |
| Core capital (leverage) ratio | 15.3022% | 591 |
| Tier 1 risk-based capital ratio | 24.0525% | 835 |
| Total risk-based capital ratio | 25.2925% | 811 |
| Memoranda: | ||
| Average total assets | $289,483,000 | 2,252 |
| Average earning assets | $278,881,000 | 2,187 |
| Average equity | $43,212,000 | 1,742 |
| Average total loans | $173,028,500 | 2,438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0401% | 3,275 |
| Cost of funding earning assets | 1.1049% | 124 |
| Net interest margin | 2.9351% | 4,997 |
| Noninterest income to average assets | 0.0185% | 5,586 |
| Noninterest expense to average assets | 1.8572% | 5,183 |
| Loan and lease loss provision to assets | -0.3030% | 5,615 |
| Net operating income to assets | 0.7657% | 3,317 |
| Return on assets (ROA) | 0.8406% | 3,025 |
| Pretax return on assets | 1.4179% | 1,932 |
| Return on Equity (ROE) | 5.9934% | 3,769 |
| Retained earnings to average equity (ytd only) | -10.4311% | 5,540 |
| Net charge-offs to loans | -0.0371% | 5,113 |
| Credit loss provision to net charge-offs | 1,639.3443% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0499% | 3,436 |
| Assets per employee ($millions) | 7.4806% | 775 |
| Cash dividends to net income (ytd only)* | 274.0447% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,261 |
| Loan loss allowance to noncurrent loans | 58.9812% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 988 |
| Noncurrent loans to loans | 2.1884% | 668 |
| Net loans and leases to total assets | 56.2269% | 4,167 |
| Net loans and leases to deposits | 87.5296% | 2,076 |
| Net loans and leases to core deposits | 91.2149% | 2,438 |
| Total domestic deposits to total assets | 64.2376% | 5,549 |
| Equity capital to assets | 14.3364% | 822 |
| Core capital (leverage) ratio | 13.9584% | 844 |
| Tier 1 risk-based capital ratio | 23.1397% | 899 |
| Total risk-based capital ratio | 24.2877% | 890 |
| Memoranda: | ||
| Average total assets | $330,005,000 | 2,010 |
| Average earning assets | $318,928,600 | 1,941 |
| Average equity | $46,284,600 | 1,629 |
| Average total loans | $164,569,400 | 2,489 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,578 |
| Cost of funding earning assets | 1.0763% | 126 |
| Net interest margin | 2.8562% | 5,149 |
| Noninterest income to average assets | 0.0083% | 5,671 |
| Noninterest expense to average assets | 1.8221% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6304% | 4,273 |
| Return on assets (ROA) | 0.6432% | 4,271 |
| Pretax return on assets | 0.9673% | 3,810 |
| Return on Equity (ROE) | 4.6083% | 4,669 |
| Retained earnings to average equity (ytd only) | -8.4103% | 5,599 |
| Net charge-offs to loans | 0.0523% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 37.5161% | 1,364 |
| Efficiency ratio | 65.7782% | 3,253 |
| Assets per employee ($millions) | 7.9753% | 640 |
| Cash dividends to net income (ytd only)* | 282.5042% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 816 |
| Loan loss allowance to noncurrent loans | 66.6233% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.5347% | 978 |
| Noncurrent loans to loans | 2.7376% | 514 |
| Net loans and leases to total assets | 51.8690% | 4,576 |
| Net loans and leases to deposits | 83.2460% | 2,634 |
| Net loans and leases to core deposits | 86.6452% | 2,905 |
| Total domestic deposits to total assets | 62.3081% | 5,633 |
| Equity capital to assets | 14.0831% | 969 |
| Core capital (leverage) ratio | 14.0025% | 889 |
| Tier 1 risk-based capital ratio | 23.3151% | 919 |
| Total risk-based capital ratio | 24.5692% | 901 |
| Memoranda: | ||
| Average total assets | $337,700,000 | 1,983 |
| Average earning assets | $326,533,750 | 1,920 |
| Average equity | $47,131,250 | 1,606 |
| Average total loans | $163,100,500 | 2,516 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8855% | 3,603 |
| Cost of funding earning assets | 1.0620% | 121 |
| Net interest margin | 2.8235% | 5,212 |
| Noninterest income to average assets | 0.0145% | 5,706 |
| Noninterest expense to average assets | 1.8231% | 5,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6154% | 4,235 |
| Return on assets (ROA) | 0.6228% | 4,245 |
| Pretax return on assets | 0.9328% | 3,818 |
| Return on Equity (ROE) | 4.4750% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.4750% | 3,050 |
| Net charge-offs to loans | 0.1426% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.7826% | 2,114 |
| Efficiency ratio | 66.4195% | 3,281 |
| Assets per employee ($millions) | 8.2147% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 922 |
| Loan loss allowance to noncurrent loans | 78.8060% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,358 |
| Noncurrent loans to loans | 2.2591% | 711 |
| Net loans and leases to total assets | 49.5189% | 4,737 |
| Net loans and leases to deposits | 84.1040% | 2,462 |
| Net loans and leases to core deposits | 86.5908% | 2,824 |
| Total domestic deposits to total assets | 58.8781% | 5,710 |
| Equity capital to assets | 14.5626% | 810 |
| Core capital (leverage) ratio | 14.4444% | 758 |
| Tier 1 risk-based capital ratio | 25.0990% | 740 |
| Total risk-based capital ratio | 26.3524% | 726 |
| Memoranda: | ||
| Average total assets | $343,929,000 | 1,958 |
| Average earning assets | $332,569,000 | 1,891 |
| Average equity | $47,866,000 | 1,589 |
| Average total loans | $161,286,330 | 2,537 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 4,114 |
| Cost of funding earning assets | 1.0350% | 140 |
| Net interest margin | 2.6668% | 5,425 |
| Noninterest income to average assets | -0.0069% | 5,824 |
| Noninterest expense to average assets | 1.7623% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5488% | 4,389 |
| Return on assets (ROA) | 0.5433% | 4,451 |
| Pretax return on assets | 0.8000% | 4,111 |
| Return on Equity (ROE) | 3.9936% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.9936% | 3,450 |
| Net charge-offs to loans | 0.3261% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.4844% | 2,291 |
| Efficiency ratio | 68.5625% | 3,115 |
| Assets per employee ($millions) | 8.4447% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 826 |
| Loan loss allowance to noncurrent loans | 71.6837% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 1,201 |
| Noncurrent loans to loans | 2.6149% | 582 |
| Net loans and leases to total assets | 45.5107% | 4,963 |
| Net loans and leases to deposits | 77.0565% | 3,072 |
| Net loans and leases to core deposits | 79.8189% | 3,315 |
| Total domestic deposits to total assets | 59.0614% | 5,776 |
| Equity capital to assets | 13.8711% | 944 |
| Core capital (leverage) ratio | 14.0690% | 826 |
| Tier 1 risk-based capital ratio | 25.1005% | 761 |
| Total risk-based capital ratio | 26.3538% | 745 |
| Memoranda: | ||
| Average total assets | $347,493,000 | 1,949 |
| Average earning assets | $335,834,500 | 1,884 |
| Average equity | $47,275,500 | 1,604 |
| Average total loans | $157,028,000 | 2,618 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6610% | 4,337 |
| Cost of funding earning assets | 1.0453% | 137 |
| Net interest margin | 2.6157% | 5,497 |
| Noninterest income to average assets | -0.0496% | 5,880 |
| Noninterest expense to average assets | 1.5936% | 5,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6474% | 4,011 |
| Return on assets (ROA) | 0.7515% | 3,649 |
| Pretax return on assets | 1.0301% | 3,365 |
| Return on Equity (ROE) | 5.8838% | 4,037 |
| Retained earnings to average equity (ytd only) | 5.8838% | 1,776 |
| Net charge-offs to loans | 0.1412% | 1,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.0469% | 2,240 |
| Efficiency ratio | 64.2299% | 3,904 |
| Assets per employee ($millions) | 8.7189% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0446% | 602 |
| Loan loss allowance to noncurrent loans | 65.3206% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 1,030 |
| Noncurrent loans to loans | 3.1302% | 420 |
| Net loans and leases to total assets | 43.1065% | 5,169 |
| Net loans and leases to deposits | 73.5197% | 3,562 |
| Net loans and leases to core deposits | 77.3103% | 3,620 |
| Total domestic deposits to total assets | 58.6326% | 5,836 |
| Equity capital to assets | 13.3403% | 1,114 |
| Core capital (leverage) ratio | 13.7791% | 876 |
| Tier 1 risk-based capital ratio | 25.3783% | 734 |
| Total risk-based capital ratio | 26.6329% | 723 |
| Memoranda: | ||
| Average total assets | $361,135,000 | 1,847 |
| Average earning assets | $349,387,600 | 1,779 |
| Average equity | $46,126,800 | 1,635 |
| Average total loans | $150,887,200 | 2,627 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 4,442 |
| Cost of funding earning assets | 1.0477% | 129 |
| Net interest margin | 2.5895% | 5,595 |
| Noninterest income to average assets | 0.0560% | 5,819 |
| Noninterest expense to average assets | 1.5510% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7501% | 3,607 |
| Return on assets (ROA) | 0.8690% | 3,175 |
| Pretax return on assets | 1.1729% | 2,956 |
| Return on Equity (ROE) | 6.8769% | 3,625 |
| Retained earnings to average equity (ytd only) | 6.8769% | 1,686 |
| Net charge-offs to loans | 0.1216% | 1,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.1827% | 1,887 |
| Efficiency ratio | 60.5113% | 4,463 |
| Assets per employee ($millions) | 9.1426% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 590 |
| Loan loss allowance to noncurrent loans | 52.2177% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 775 |
| Noncurrent loans to loans | 4.0496% | 267 |
| Net loans and leases to total assets | 41.7257% | 5,307 |
| Net loans and leases to deposits | 74.3596% | 3,564 |
| Net loans and leases to core deposits | 78.4711% | 3,615 |
| Total domestic deposits to total assets | 56.1134% | 5,913 |
| Equity capital to assets | 13.3780% | 1,302 |
| Core capital (leverage) ratio | 13.3601% | 1,044 |
| Tier 1 risk-based capital ratio | 25.3522% | 778 |
| Total risk-based capital ratio | 26.6075% | 761 |
| Memoranda: | ||
| Average total assets | $364,230,000 | 1,842 |
| Average earning assets | $352,640,500 | 1,761 |
| Average equity | $46,027,250 | 1,649 |
| Average total loans | $150,240,500 | 2,639 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 4,409 |
| Cost of funding earning assets | 1.0437% | 127 |
| Net interest margin | 2.6181% | 5,654 |
| Noninterest income to average assets | 0.0556% | 5,905 |
| Noninterest expense to average assets | 1.4870% | 5,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8539% | 3,081 |
| Return on assets (ROA) | 0.9635% | 2,703 |
| Pretax return on assets | 1.2454% | 2,619 |
| Return on Equity (ROE) | 7.7723% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.7723% | 1,260 |
| Net charge-offs to loans | 0.0428% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 63.2188% | 846 |
| Efficiency ratio | 57.4105% | 4,979 |
| Assets per employee ($millions) | 9.9349% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 519 |
| Loan loss allowance to noncurrent loans | 45.2797% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 2.2226% | 686 |
| Noncurrent loans to loans | 4.9342% | 175 |
| Net loans and leases to total assets | 39.5104% | 5,444 |
| Net loans and leases to deposits | 66.0183% | 4,343 |
| Net loans and leases to core deposits | 69.9550% | 4,328 |
| Total domestic deposits to total assets | 59.8476% | 5,973 |
| Equity capital to assets | 12.7786% | 1,619 |
| Core capital (leverage) ratio | 13.0101% | 1,147 |
| Tier 1 risk-based capital ratio | 25.2620% | 790 |
| Total risk-based capital ratio | 26.5181% | 774 |
| Memoranda: | ||
| Average total assets | $366,786,000 | 1,827 |
| Average earning assets | $355,067,330 | 1,748 |
| Average equity | $45,469,330 | 1,665 |
| Average total loans | $149,656,670 | 2,653 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 3,976 |
| Cost of funding earning assets | 1.0502% | 121 |
| Net interest margin | 2.7407% | 5,555 |
| Noninterest income to average assets | 0.1616% | 5,526 |
| Noninterest expense to average assets | 1.5765% | 5,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9145% | 2,678 |
| Return on assets (ROA) | 0.9444% | 2,652 |
| Pretax return on assets | 1.2752% | 2,405 |
| Return on Equity (ROE) | 7.7375% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.7375% | 1,575 |
| Net charge-offs to loans | -0.2530% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0777% | 5,185 |
| Assets per employee ($millions) | 9.6303% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3179% | 500 |
| Loan loss allowance to noncurrent loans | 46.3421% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.2872% | 696 |
| Noncurrent loans to loans | 5.0016% | 194 |
| Net loans and leases to total assets | 39.6845% | 5,462 |
| Net loans and leases to deposits | 66.2382% | 4,230 |
| Net loans and leases to core deposits | 69.9325% | 4,247 |
| Total domestic deposits to total assets | 59.9118% | 6,037 |
| Equity capital to assets | 12.4913% | 1,684 |
| Core capital (leverage) ratio | 12.6554% | 1,282 |
| Tier 1 risk-based capital ratio | 24.7064% | 844 |
| Total risk-based capital ratio | 25.9632% | 823 |
| Memoranda: | ||
| Average total assets | $366,383,000 | 1,832 |
| Average earning assets | $354,217,500 | 1,757 |
| Average equity | $44,717,500 | 1,686 |
| Average total loans | $150,207,000 | 2,644 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 5,189 |
| Cost of funding earning assets | 1.0709% | 118 |
| Net interest margin | 2.3159% | 5,938 |
| Noninterest income to average assets | -0.1523% | 6,153 |
| Noninterest expense to average assets | 1.7117% | 5,831 |
| Loan and lease loss provision to assets | 0.0333% | 3,695 |
| Net operating income to assets | 0.2841% | 5,401 |
| Return on assets (ROA) | 0.3928% | 5,154 |
| Pretax return on assets | 0.4630% | 5,193 |
| Return on Equity (ROE) | 3.1525% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.1525% | 3,810 |
| Net charge-offs to loans | 0.4074% | 699 |
| Credit loss provision to net charge-offs | 19.0476% | 3,754 |
| Earnings coverage of net charge-offs (x) | 2.1079% | 3,975 |
| Efficiency ratio | 82.2886% | 1,366 |
| Assets per employee ($millions) | 10.4804% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2084% | 585 |
| Loan loss allowance to noncurrent loans | 31.4058% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 3.2291% | 394 |
| Noncurrent loans to loans | 7.0317% | 103 |
| Net loans and leases to total assets | 40.4539% | 5,487 |
| Net loans and leases to deposits | 67.8768% | 4,140 |
| Net loans and leases to core deposits | 71.8141% | 4,150 |
| Total domestic deposits to total assets | 59.5990% | 6,095 |
| Equity capital to assets | 11.9196% | 2,019 |
| Core capital (leverage) ratio | 12.6047% | 1,306 |
| Tier 1 risk-based capital ratio | 24.0861% | 918 |
| Total risk-based capital ratio | 25.3427% | 899 |
| Memoranda: | ||
| Average total assets | $360,459,400 | 1,824 |
| Average earning assets | $347,467,800 | 1,749 |
| Average equity | $44,916,600 | 1,642 |
| Average total loans | $154,624,200 | 2,535 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3761% | 5,256 |
| Cost of funding earning assets | 1.0657% | 121 |
| Net interest margin | 2.3104% | 6,029 |
| Noninterest income to average assets | -0.1245% | 6,239 |
| Noninterest expense to average assets | 1.7655% | 5,827 |
| Loan and lease loss provision to assets | 0.0446% | 3,320 |
| Net operating income to assets | 0.2267% | 5,623 |
| Return on assets (ROA) | 0.3585% | 5,380 |
| Pretax return on assets | 0.4607% | 5,324 |
| Return on Equity (ROE) | 2.8456% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.8456% | 4,415 |
| Net charge-offs to loans | 0.6137% | 364 |
| Credit loss provision to net charge-offs | 16.7832% | 3,389 |
| Earnings coverage of net charge-offs (x) | 1.2657% | 3,859 |
| Efficiency ratio | 84.0021% | 1,170 |
| Assets per employee ($millions) | 9.7874% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1894% | 679 |
| Loan loss allowance to noncurrent loans | 30.9779% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 3.4579% | 380 |
| Noncurrent loans to loans | 7.0676% | 98 |
| Net loans and leases to total assets | 40.2914% | 5,575 |
| Net loans and leases to deposits | 68.7202% | 4,119 |
| Net loans and leases to core deposits | 72.6073% | 4,141 |
| Total domestic deposits to total assets | 58.6311% | 6,189 |
| Equity capital to assets | 12.3665% | 1,817 |
| Core capital (leverage) ratio | 12.6605% | 1,341 |
| Tier 1 risk-based capital ratio | 24.9117% | 865 |
| Total risk-based capital ratio | 26.1696% | 854 |
| Memoranda: | ||
| Average total assets | $358,870,500 | 1,840 |
| Average earning assets | $345,796,500 | 1,765 |
| Average equity | $45,215,000 | 1,645 |
| Average total loans | $155,344,750 | 2,540 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 5,400 |
| Cost of funding earning assets | 1.0579% | 124 |
| Net interest margin | 2.2615% | 6,119 |
| Noninterest income to average assets | -0.1124% | 6,305 |
| Noninterest expense to average assets | 1.8307% | 5,812 |
| Loan and lease loss provision to assets | 0.0335% | 3,444 |
| Net operating income to assets | 0.1502% | 5,808 |
| Return on assets (ROA) | 0.2571% | 5,642 |
| Pretax return on assets | 0.3443% | 5,585 |
| Return on Equity (ROE) | 2.0283% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.0283% | 4,685 |
| Net charge-offs to loans | 0.6798% | 334 |
| Credit loss provision to net charge-offs | 11.2150% | 3,088 |
| Earnings coverage of net charge-offs (x) | 0.7869% | 3,623 |
| Efficiency ratio | 88.6093% | 866 |
| Assets per employee ($millions) | 9.7838% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1610% | 776 |
| Loan loss allowance to noncurrent loans | 29.4332% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 4.0538% | 328 |
| Noncurrent loans to loans | 7.3421% | 108 |
| Net loans and leases to total assets | 43.5240% | 5,402 |
| Net loans and leases to deposits | 72.1618% | 3,707 |
| Net loans and leases to core deposits | 76.3502% | 3,729 |
| Total domestic deposits to total assets | 60.3145% | 6,247 |
| Equity capital to assets | 12.8546% | 1,466 |
| Core capital (leverage) ratio | 12.6762% | 1,302 |
| Tier 1 risk-based capital ratio | 24.3695% | 922 |
| Total risk-based capital ratio | 25.6280% | 909 |
| Memoranda: | ||
| Average total assets | $357,783,330 | 1,855 |
| Average earning assets | $344,645,330 | 1,775 |
| Average equity | $45,359,000 | 1,641 |
| Average total loans | $157,401,670 | 2,517 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,492 |
| Cost of funding earning assets | 1.0594% | 127 |
| Net interest margin | 2.2200% | 6,195 |
| Noninterest income to average assets | -0.1764% | 6,377 |
| Noninterest expense to average assets | 1.6385% | 6,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2970% | 5,430 |
| Return on assets (ROA) | 0.4393% | 5,034 |
| Pretax return on assets | 0.4804% | 5,227 |
| Return on Equity (ROE) | 3.4889% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.4889% | 3,901 |
| Net charge-offs to loans | 0.3372% | 724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.1955% | 2,808 |
| Efficiency ratio | 83.4935% | 1,433 |
| Assets per employee ($millions) | 9.1546% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3955% | 618 |
| Loan loss allowance to noncurrent loans | 27.4562% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 4.5377% | 295 |
| Noncurrent loans to loans | 8.7247% | 81 |
| Net loans and leases to total assets | 42.5453% | 5,445 |
| Net loans and leases to deposits | 70.5627% | 3,685 |
| Net loans and leases to core deposits | 74.2601% | 3,755 |
| Total domestic deposits to total assets | 60.2943% | 6,318 |
| Equity capital to assets | 12.8096% | 1,506 |
| Core capital (leverage) ratio | 12.4804% | 1,370 |
| Tier 1 risk-based capital ratio | 24.5939% | 927 |
| Total risk-based capital ratio | 25.8538% | 910 |
| Memoranda: | ||
| Average total assets | $360,566,500 | 1,839 |
| Average earning assets | $347,380,500 | 1,774 |
| Average equity | $45,400,500 | 1,640 |
| Average total loans | $157,760,000 | 2,517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 5,285 |
| Cost of funding earning assets | 1.1097% | 126 |
| Net interest margin | 2.4050% | 6,224 |
| Noninterest income to average assets | -0.0118% | 6,413 |
| Noninterest expense to average assets | 1.7992% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4471% | 5,040 |
| Return on assets (ROA) | 0.4276% | 5,198 |
| Pretax return on assets | 0.4805% | 5,299 |
| Return on Equity (ROE) | 3.5849% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.5849% | 3,669 |
| Net charge-offs to loans | 0.7008% | 531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.5433% | 4,397 |
| Efficiency ratio | 78.1730% | 2,192 |
| Assets per employee ($millions) | 9.8406% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4147% | 613 |
| Loan loss allowance to noncurrent loans | 27.0340% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 4.5026% | 343 |
| Noncurrent loans to loans | 8.9322% | 86 |
| Net loans and leases to total assets | 42.8537% | 5,551 |
| Net loans and leases to deposits | 68.9717% | 4,034 |
| Net loans and leases to core deposits | 72.3268% | 4,090 |
| Total domestic deposits to total assets | 62.1322% | 6,384 |
| Equity capital to assets | 12.3775% | 1,717 |
| Core capital (leverage) ratio | 11.9798% | 1,631 |
| Tier 1 risk-based capital ratio | 24.5624% | 883 |
| Total risk-based capital ratio | 25.8236% | 866 |
| Memoranda: | ||
| Average total assets | $365,274,000 | 1,785 |
| Average earning assets | $351,358,200 | 1,703 |
| Average equity | $43,571,600 | 1,655 |
| Average total loans | $169,671,000 | 2,321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 5,176 |
| Cost of funding earning assets | 1.0840% | 162 |
| Net interest margin | 2.5028% | 6,222 |
| Noninterest income to average assets | -0.0460% | 6,509 |
| Noninterest expense to average assets | 1.9144% | 5,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3511% | 5,421 |
| Return on assets (ROA) | 0.3202% | 5,597 |
| Pretax return on assets | 0.4063% | 5,567 |
| Return on Equity (ROE) | 2.7100% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.7100% | 4,661 |
| Net charge-offs to loans | 0.6352% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.4890% | 4,149 |
| Efficiency ratio | 81.1283% | 1,737 |
| Assets per employee ($millions) | 10.4245% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5649% | 604 |
| Loan loss allowance to noncurrent loans | 27.8619% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 4.8019% | 368 |
| Noncurrent loans to loans | 9.2058% | 92 |
| Net loans and leases to total assets | 44.0412% | 5,519 |
| Net loans and leases to deposits | 72.7042% | 3,596 |
| Net loans and leases to core deposits | 75.6300% | 3,792 |
| Total domestic deposits to total assets | 60.5759% | 6,485 |
| Equity capital to assets | 12.1017% | 1,977 |
| Core capital (leverage) ratio | 11.9699% | 1,712 |
| Tier 1 risk-based capital ratio | 23.7622% | 1,017 |
| Total risk-based capital ratio | 25.0254% | 998 |
| Memoranda: | ||
| Average total assets | $365,566,500 | 1,793 |
| Average earning assets | $351,390,000 | 1,713 |
| Average equity | $43,197,750 | 1,672 |
| Average total loans | $172,115,500 | 2,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 5,123 |
| Cost of funding earning assets | 1.0790% | 168 |
| Net interest margin | 2.5307% | 6,237 |
| Noninterest income to average assets | -0.0508% | 6,586 |
| Noninterest expense to average assets | 1.9907% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2346% | 5,747 |
| Return on assets (ROA) | 0.1618% | 5,963 |
| Pretax return on assets | 0.2761% | 5,826 |
| Return on Equity (ROE) | 1.3806% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.3806% | 5,191 |
| Net charge-offs to loans | 0.6212% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3155% | 3,843 |
| Efficiency ratio | 83.6243% | 1,560 |
| Assets per employee ($millions) | 10.4556% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6169% | 594 |
| Loan loss allowance to noncurrent loans | 28.6186% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 4.9450% | 370 |
| Noncurrent loans to loans | 9.1441% | 94 |
| Net loans and leases to total assets | 45.8420% | 5,375 |
| Net loans and leases to deposits | 75.7177% | 3,095 |
| Net loans and leases to core deposits | 78.3501% | 3,399 |
| Total domestic deposits to total assets | 60.5434% | 6,553 |
| Equity capital to assets | 11.9865% | 1,993 |
| Core capital (leverage) ratio | 11.8432% | 1,756 |
| Tier 1 risk-based capital ratio | 22.9044% | 1,124 |
| Total risk-based capital ratio | 24.1688% | 1,106 |
| Memoranda: | ||
| Average total assets | $365,802,670 | 1,791 |
| Average earning assets | $351,445,000 | 1,711 |
| Average equity | $42,879,000 | 1,665 |
| Average total loans | $174,514,670 | 2,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,965 |
| Cost of funding earning assets | 1.0761% | 184 |
| Net interest margin | 2.5876% | 6,253 |
| Noninterest income to average assets | -0.1192% | 6,667 |
| Noninterest expense to average assets | 2.0004% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1524% | 5,920 |
| Return on assets (ROA) | 0.1083% | 6,042 |
| Pretax return on assets | 0.2942% | 5,733 |
| Return on Equity (ROE) | 0.9343% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.9343% | 5,225 |
| Net charge-offs to loans | 0.6696% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1293% | 3,174 |
| Efficiency ratio | 84.6367% | 1,598 |
| Assets per employee ($millions) | 9.5307% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7523% | 584 |
| Loan loss allowance to noncurrent loans | 29.7269% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 5.1305% | 389 |
| Noncurrent loans to loans | 9.2586% | 116 |
| Net loans and leases to total assets | 46.4003% | 5,290 |
| Net loans and leases to deposits | 75.9201% | 2,819 |
| Net loans and leases to core deposits | 78.5130% | 3,146 |
| Total domestic deposits to total assets | 61.1173% | 6,633 |
| Equity capital to assets | 11.8222% | 2,000 |
| Core capital (leverage) ratio | 11.5862% | 1,908 |
| Tier 1 risk-based capital ratio | 22.9390% | 1,154 |
| Total risk-based capital ratio | 24.2051% | 1,138 |
| Memoranda: | ||
| Average total assets | $365,731,000 | 1,795 |
| Average earning assets | $350,907,000 | 1,720 |
| Average equity | $42,386,500 | 1,686 |
| Average total loans | $175,639,500 | 2,277 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 5,360 |
| Cost of funding earning assets | 1.1298% | 241 |
| Net interest margin | 2.4886% | 6,381 |
| Noninterest income to average assets | -0.1825% | 6,751 |
| Noninterest expense to average assets | 2.0063% | 6,016 |
| Loan and lease loss provision to assets | 0.5197% | 534 |
| Net operating income to assets | -0.3215% | 6,425 |
| Return on assets (ROA) | -0.2172% | 6,385 |
| Pretax return on assets | -0.2172% | 6,365 |
| Return on Equity (ROE) | -1.9604% | 6,379 |
| Retained earnings to average equity (ytd only) | -1.9604% | 6,174 |
| Net charge-offs to loans | 1.5166% | 309 |
| Credit loss provision to net charge-offs | 71.6513% | 3,258 |
| Earnings coverage of net charge-offs (x) | 0.2732% | 4,994 |
| Efficiency ratio | 91.0108% | 951 |
| Assets per employee ($millions) | 8.3931% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8295% | 572 |
| Loan loss allowance to noncurrent loans | 28.7226% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 5.3848% | 408 |
| Noncurrent loans to loans | 9.8511% | 113 |
| Net loans and leases to total assets | 46.9615% | 5,403 |
| Net loans and leases to deposits | 77.5214% | 2,786 |
| Net loans and leases to core deposits | 80.8054% | 3,035 |
| Total domestic deposits to total assets | 60.5788% | 6,709 |
| Equity capital to assets | 11.3613% | 2,278 |
| Core capital (leverage) ratio | 11.1944% | 2,203 |
| Tier 1 risk-based capital ratio | 22.1078% | 1,239 |
| Total risk-based capital ratio | 23.3750% | 1,212 |
| Memoranda: | ||
| Average total assets | $389,083,400 | 1,694 |
| Average earning assets | $373,178,000 | 1,618 |
| Average equity | $43,102,600 | 1,627 |
| Average total loans | $186,068,200 | 2,145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 5,465 |
| Cost of funding earning assets | 1.1330% | 260 |
| Net interest margin | 2.4585% | 6,466 |
| Noninterest income to average assets | -0.2355% | 6,841 |
| Noninterest expense to average assets | 2.0171% | 5,980 |
| Loan and lease loss provision to assets | 0.5928% | 416 |
| Net operating income to assets | -0.4869% | 6,593 |
| Return on assets (ROA) | -0.4236% | 6,583 |
| Pretax return on assets | -0.4236% | 6,568 |
| Return on Equity (ROE) | -3.8473% | 6,566 |
| Retained earnings to average equity (ytd only) | -3.8473% | 6,431 |
| Net charge-offs to loans | 1.6903% | 251 |
| Credit loss provision to net charge-offs | 73.5208% | 2,991 |
| Earnings coverage of net charge-offs (x) | 0.1313% | 4,821 |
| Efficiency ratio | 95.0112% | 677 |
| Assets per employee ($millions) | 8.7975% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8572% | 641 |
| Loan loss allowance to noncurrent loans | 27.7518% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 5.4724% | 484 |
| Noncurrent loans to loans | 10.2957% | 123 |
| Net loans and leases to total assets | 45.8397% | 5,563 |
| Net loans and leases to deposits | 77.2516% | 2,782 |
| Net loans and leases to core deposits | 80.1782% | 3,114 |
| Total domestic deposits to total assets | 59.3382% | 6,789 |
| Equity capital to assets | 10.7955% | 2,958 |
| Core capital (leverage) ratio | 10.6865% | 2,804 |
| Tier 1 risk-based capital ratio | 21.2159% | 1,453 |
| Total risk-based capital ratio | 22.4830% | 1,415 |
| Memoranda: | ||
| Average total assets | $394,030,250 | 1,681 |
| Average earning assets | $377,996,500 | 1,606 |
| Average equity | $43,389,000 | 1,624 |
| Average total loans | $187,966,000 | 2,124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5472% | 5,591 |
| Cost of funding earning assets | 1.1354% | 281 |
| Net interest margin | 2.4118% | 6,545 |
| Noninterest income to average assets | -0.2468% | 6,879 |
| Noninterest expense to average assets | 2.0038% | 6,040 |
| Loan and lease loss provision to assets | 0.6949% | 341 |
| Net operating income to assets | -0.6454% | 6,679 |
| Return on assets (ROA) | -0.5520% | 6,662 |
| Pretax return on assets | -0.5389% | 6,645 |
| Return on Equity (ROE) | -4.9815% | 6,641 |
| Retained earnings to average equity (ytd only) | -4.9815% | 6,459 |
| Net charge-offs to loans | 1.8015% | 259 |
| Credit loss provision to net charge-offs | 80.5734% | 2,613 |
| Earnings coverage of net charge-offs (x) | 0.0726% | 4,521 |
| Efficiency ratio | 96.9719% | 617 |
| Assets per employee ($millions) | 9.2130% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9387% | 624 |
| Loan loss allowance to noncurrent loans | 26.4323% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 5.9923% | 456 |
| Noncurrent loans to loans | 11.1178% | 113 |
| Net loans and leases to total assets | 46.0051% | 5,530 |
| Net loans and leases to deposits | 76.1908% | 2,846 |
| Net loans and leases to core deposits | 79.1434% | 3,142 |
| Total domestic deposits to total assets | 60.3815% | 6,837 |
| Equity capital to assets | 10.6919% | 3,067 |
| Core capital (leverage) ratio | 10.5962% | 2,771 |
| Tier 1 risk-based capital ratio | 20.6767% | 1,576 |
| Total risk-based capital ratio | 21.9445% | 1,539 |
| Memoranda: | ||
| Average total assets | $396,344,330 | 1,668 |
| Average earning assets | $380,132,330 | 1,599 |
| Average equity | $43,922,670 | 1,606 |
| Average total loans | $189,735,000 | 2,103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 5,196 |
| Cost of funding earning assets | 1.1419% | 298 |
| Net interest margin | 2.5501% | 6,441 |
| Noninterest income to average assets | -0.2583% | 6,963 |
| Noninterest expense to average assets | 1.9322% | 6,226 |
| Loan and lease loss provision to assets | 1.3137% | 116 |
| Net operating income to assets | -1.0086% | 6,809 |
| Return on assets (ROA) | -0.8869% | 6,793 |
| Pretax return on assets | -0.9313% | 6,789 |
| Return on Equity (ROE) | -7.8648% | 6,761 |
| Retained earnings to average equity (ytd only) | -7.8648% | 6,515 |
| Net charge-offs to loans | 2.3994% | 177 |
| Credit loss provision to net charge-offs | 113.8112% | 1,657 |
| Earnings coverage of net charge-offs (x) | 0.2203% | 3,743 |
| Efficiency ratio | 88.3710% | 1,292 |
| Assets per employee ($millions) | 9.3131% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2125% | 541 |
| Loan loss allowance to noncurrent loans | 31.3980% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 5.6877% | 595 |
| Noncurrent loans to loans | 10.2316% | 201 |
| Net loans and leases to total assets | 45.2004% | 5,524 |
| Net loans and leases to deposits | 75.9749% | 2,638 |
| Net loans and leases to core deposits | 78.9297% | 2,943 |
| Total domestic deposits to total assets | 59.4939% | 6,919 |
| Equity capital to assets | 11.1239% | 2,820 |
| Core capital (leverage) ratio | 10.9102% | 2,342 |
| Tier 1 risk-based capital ratio | 21.3449% | 1,464 |
| Total risk-based capital ratio | 22.6165% | 1,434 |
| Memoranda: | ||
| Average total assets | $396,437,500 | 1,687 |
| Average earning assets | $380,062,000 | 1,610 |
| Average equity | $44,705,500 | 1,598 |
| Average total loans | $190,717,000 | 2,103 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 4,708 |
| Cost of funding earning assets | 1.2687% | 417 |
| Net interest margin | 2.8962% | 6,231 |
| Noninterest income to average assets | -0.4125% | 7,022 |
| Noninterest expense to average assets | 1.9770% | 6,371 |
| Loan and lease loss provision to assets | 0.5691% | 991 |
| Net operating income to assets | -0.1304% | 6,315 |
| Return on assets (ROA) | 0.2258% | 5,909 |
| Pretax return on assets | 0.3425% | 5,735 |
| Return on Equity (ROE) | 2.0462% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.0462% | 4,786 |
| Net charge-offs to loans | 1.5775% | 544 |
| Credit loss provision to net charge-offs | 70.6626% | 4,135 |
| Earnings coverage of net charge-offs (x) | 0.4616% | 5,259 |
| Efficiency ratio | 84.1716% | 1,610 |
| Assets per employee ($millions) | 8.9185% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0090% | 656 |
| Loan loss allowance to noncurrent loans | 30.0555% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 5.9957% | 578 |
| Noncurrent loans to loans | 10.0116% | 233 |
| Net loans and leases to total assets | 48.0528% | 5,416 |
| Net loans and leases to deposits | 81.6511% | 2,053 |
| Net loans and leases to core deposits | 84.5162% | 2,488 |
| Total domestic deposits to total assets | 58.8514% | 6,980 |
| Equity capital to assets | 11.4329% | 2,506 |
| Core capital (leverage) ratio | 11.1562% | 2,119 |
| Tier 1 risk-based capital ratio | 22.9291% | 1,121 |
| Total risk-based capital ratio | 24.2015% | 1,103 |
| Memoranda: | ||
| Average total assets | $402,941,200 | 1,628 |
| Average earning assets | $384,160,000 | 1,564 |
| Average equity | $44,473,400 | 1,565 |
| Average total loans | $205,710,000 | 1,958 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2570% | 4,619 |
| Cost of funding earning assets | 1.2953% | 444 |
| Net interest margin | 2.9617% | 6,249 |
| Noninterest income to average assets | -0.4836% | 7,129 |
| Noninterest expense to average assets | 1.9560% | 6,433 |
| Loan and lease loss provision to assets | 0.4113% | 1,556 |
| Net operating income to assets | -0.0197% | 6,308 |
| Return on assets (ROA) | 0.3031% | 5,806 |
| Pretax return on assets | 0.4593% | 5,566 |
| Return on Equity (ROE) | 2.7702% | 5,763 |
| Retained earnings to average equity (ytd only) | 2.7702% | 4,890 |
| Net charge-offs to loans | 1.2711% | 750 |
| Credit loss provision to net charge-offs | 62.9276% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.5835% | 5,026 |
| Efficiency ratio | 83.6850% | 1,630 |
| Assets per employee ($millions) | 9.7987% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 675 |
| Loan loss allowance to noncurrent loans | 34.3840% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 5.8691% | 696 |
| Noncurrent loans to loans | 8.8910% | 315 |
| Net loans and leases to total assets | 49.0693% | 5,427 |
| Net loans and leases to deposits | 83.2703% | 1,963 |
| Net loans and leases to core deposits | 85.9485% | 2,472 |
| Total domestic deposits to total assets | 58.9277% | 7,076 |
| Equity capital to assets | 11.4775% | 2,768 |
| Core capital (leverage) ratio | 11.1297% | 2,274 |
| Tier 1 risk-based capital ratio | 22.8723% | 1,187 |
| Total risk-based capital ratio | 24.1460% | 1,162 |
| Memoranda: | ||
| Average total assets | $405,573,500 | 1,626 |
| Average earning assets | $386,299,250 | 1,567 |
| Average equity | $44,375,750 | 1,585 |
| Average total loans | $208,533,750 | 1,950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 4,482 |
| Cost of funding earning assets | 1.3260% | 468 |
| Net interest margin | 2.9958% | 6,251 |
| Noninterest income to average assets | -0.5267% | 7,191 |
| Noninterest expense to average assets | 1.9702% | 6,492 |
| Loan and lease loss provision to assets | 0.1102% | 4,148 |
| Net operating income to assets | 0.1611% | 6,019 |
| Return on assets (ROA) | 0.5194% | 4,997 |
| Pretax return on assets | 0.7871% | 4,518 |
| Return on Equity (ROE) | 4.8220% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.8220% | 3,391 |
| Net charge-offs to loans | 0.8749% | 1,259 |
| Credit loss provision to net charge-offs | 24.3797% | 4,541 |
| Earnings coverage of net charge-offs (x) | 0.7843% | 4,664 |
| Efficiency ratio | 84.7493% | 1,560 |
| Assets per employee ($millions) | 9.5838% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9739% | 797 |
| Loan loss allowance to noncurrent loans | 33.0552% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 5.9083% | 728 |
| Noncurrent loans to loans | 8.9967% | 342 |
| Net loans and leases to total assets | 49.4517% | 5,426 |
| Net loans and leases to deposits | 82.7907% | 2,009 |
| Net loans and leases to core deposits | 85.1104% | 2,542 |
| Total domestic deposits to total assets | 59.7310% | 7,136 |
| Equity capital to assets | 11.1098% | 3,007 |
| Core capital (leverage) ratio | 10.9338% | 2,363 |
| Tier 1 risk-based capital ratio | 22.2731% | 1,240 |
| Total risk-based capital ratio | 23.5456% | 1,218 |
| Memoranda: | ||
| Average total assets | $410,115,330 | 1,614 |
| Average earning assets | $390,345,330 | 1,552 |
| Average equity | $44,172,330 | 1,582 |
| Average total loans | $211,914,670 | 1,929 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 4,365 |
| Cost of funding earning assets | 1.4006% | 426 |
| Net interest margin | 2.9894% | 6,310 |
| Noninterest income to average assets | -0.4803% | 7,251 |
| Noninterest expense to average assets | 1.8468% | 6,744 |
| Loan and lease loss provision to assets | 0.0879% | 4,268 |
| Net operating income to assets | 0.2790% | 5,723 |
| Return on assets (ROA) | 0.7605% | 3,808 |
| Pretax return on assets | 1.1529% | 3,100 |
| Return on Equity (ROE) | 7.1710% | 3,675 |
| Retained earnings to average equity (ytd only) | 7.1710% | 2,335 |
| Net charge-offs to loans | 0.8249% | 1,246 |
| Credit loss provision to net charge-offs | 20.4955% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.1914% | 3,740 |
| Efficiency ratio | 78.3197% | 2,451 |
| Assets per employee ($millions) | 9.9805% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0405% | 803 |
| Loan loss allowance to noncurrent loans | 32.2821% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 6.5638% | 681 |
| Noncurrent loans to loans | 9.4185% | 338 |
| Net loans and leases to total assets | 50.2573% | 5,267 |
| Net loans and leases to deposits | 83.0939% | 1,783 |
| Net loans and leases to core deposits | 85.9133% | 2,302 |
| Total domestic deposits to total assets | 60.4826% | 7,191 |
| Equity capital to assets | 10.8333% | 3,102 |
| Core capital (leverage) ratio | 10.5922% | 2,652 |
| Tier 1 risk-based capital ratio | 21.6117% | 1,357 |
| Total risk-based capital ratio | 22.8853% | 1,328 |
| Memoranda: | ||
| Average total assets | $413,914,000 | 1,605 |
| Average earning assets | $392,985,000 | 1,548 |
| Average equity | $43,899,000 | 1,584 |
| Average total loans | $215,295,500 | 1,900 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 3,577 |
| Cost of funding earning assets | 1.6146% | 447 |
| Net interest margin | 3.2377% | 5,985 |
| Noninterest income to average assets | -0.3181% | 7,212 |
| Noninterest expense to average assets | 1.9333% | 6,787 |
| Loan and lease loss provision to assets | 0.5714% | 1,818 |
| Net operating income to assets | 0.1892% | 5,623 |
| Return on assets (ROA) | 0.2436% | 5,590 |
| Pretax return on assets | 0.3259% | 5,491 |
| Return on Equity (ROE) | 2.4137% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.4137% | 4,498 |
| Net charge-offs to loans | 1.6773% | 917 |
| Credit loss provision to net charge-offs | 60.1198% | 5,166 |
| Earnings coverage of net charge-offs (x) | 0.8677% | 5,149 |
| Efficiency ratio | 70.0955% | 3,937 |
| Assets per employee ($millions) | 10.2104% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1132% | 738 |
| Loan loss allowance to noncurrent loans | 37.5531% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 6.0450% | 807 |
| Noncurrent loans to loans | 8.2902% | 472 |
| Net loans and leases to total assets | 50.5669% | 5,519 |
| Net loans and leases to deposits | 82.1166% | 2,183 |
| Net loans and leases to core deposits | 96.7681% | 1,432 |
| Total domestic deposits to total assets | 61.5793% | 7,210 |
| Equity capital to assets | 10.3835% | 3,679 |
| Core capital (leverage) ratio | 10.2565% | 3,018 |
| Tier 1 risk-based capital ratio | 20.7279% | 1,473 |
| Total risk-based capital ratio | 22.0030% | 1,443 |
| Memoranda: | ||
| Average total assets | $421,561,200 | 1,545 |
| Average earning assets | $400,526,200 | 1,486 |
| Average equity | $42,548,400 | 1,577 |
| Average total loans | $238,890,000 | 1,753 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 3,109 |
| Cost of funding earning assets | 1.6428% | 491 |
| Net interest margin | 3.3508% | 5,716 |
| Noninterest income to average assets | -0.2823% | 7,294 |
| Noninterest expense to average assets | 1.9430% | 6,802 |
| Loan and lease loss provision to assets | 0.4951% | 2,009 |
| Net operating income to assets | 0.3524% | 5,198 |
| Return on assets (ROA) | 0.3943% | 5,209 |
| Pretax return on assets | 0.5175% | 5,101 |
| Return on Equity (ROE) | 3.9351% | 5,025 |
| Retained earnings to average equity (ytd only) | 3.9351% | 3,924 |
| Net charge-offs to loans | 1.2273% | 1,270 |
| Credit loss provision to net charge-offs | 69.8130% | 4,490 |
| Earnings coverage of net charge-offs (x) | 1.3500% | 4,605 |
| Efficiency ratio | 66.9933% | 4,523 |
| Assets per employee ($millions) | 9.8113% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3435% | 636 |
| Loan loss allowance to noncurrent loans | 37.8066% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 6.5461% | 788 |
| Noncurrent loans to loans | 8.8437% | 454 |
| Net loans and leases to total assets | 52.9132% | 5,335 |
| Net loans and leases to deposits | 85.7777% | 1,711 |
| Net loans and leases to core deposits | 100.2803% | 1,222 |
| Total domestic deposits to total assets | 61.6865% | 7,283 |
| Equity capital to assets | 10.5185% | 3,684 |
| Core capital (leverage) ratio | 10.2862% | 3,098 |
| Tier 1 risk-based capital ratio | 19.8050% | 1,732 |
| Total risk-based capital ratio | 21.0834% | 1,700 |
| Memoranda: | ||
| Average total assets | $422,295,000 | 1,554 |
| Average earning assets | $401,089,250 | 1,503 |
| Average equity | $42,318,500 | 1,592 |
| Average total loans | $243,990,500 | 1,728 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1307% | 2,544 |
| Cost of funding earning assets | 1.6781% | 506 |
| Net interest margin | 3.4526% | 5,357 |
| Noninterest income to average assets | -0.3130% | 7,385 |
| Noninterest expense to average assets | 1.9482% | 6,878 |
| Loan and lease loss provision to assets | 0.3778% | 2,527 |
| Net operating income to assets | 0.4764% | 4,610 |
| Return on assets (ROA) | 0.4839% | 4,718 |
| Pretax return on assets | 0.6477% | 4,581 |
| Return on Equity (ROE) | 4.9096% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.9096% | 3,053 |
| Net charge-offs to loans | 1.1976% | 1,306 |
| Credit loss provision to net charge-offs | 53.6651% | 4,492 |
| Earnings coverage of net charge-offs (x) | 1.4425% | 4,207 |
| Efficiency ratio | 65.7348% | 4,926 |
| Assets per employee ($millions) | 10.1190% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2322% | 738 |
| Loan loss allowance to noncurrent loans | 38.1563% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 6.6494% | 792 |
| Noncurrent loans to loans | 8.4709% | 507 |
| Net loans and leases to total assets | 54.3198% | 5,247 |
| Net loans and leases to deposits | 88.4443% | 1,435 |
| Net loans and leases to core deposits | 101.2704% | 1,233 |
| Total domestic deposits to total assets | 61.4169% | 7,356 |
| Equity capital to assets | 10.1544% | 3,940 |
| Core capital (leverage) ratio | 10.1983% | 3,036 |
| Tier 1 risk-based capital ratio | 19.0201% | 1,841 |
| Total risk-based capital ratio | 20.2966% | 1,790 |
| Memoranda: | ||
| Average total assets | $422,431,670 | 1,569 |
| Average earning assets | $400,919,670 | 1,510 |
| Average equity | $41,632,670 | 1,611 |
| Average total loans | $248,335,670 | 1,717 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 2,131 |
| Cost of funding earning assets | 1.6969% | 554 |
| Net interest margin | 3.5298% | 4,882 |
| Noninterest income to average assets | -0.3581% | 7,470 |
| Noninterest expense to average assets | 2.0135% | 6,812 |
| Loan and lease loss provision to assets | 0.2507% | 3,149 |
| Net operating income to assets | 0.5936% | 4,062 |
| Return on assets (ROA) | 0.5936% | 4,134 |
| Pretax return on assets | 0.7285% | 4,192 |
| Return on Equity (ROE) | 6.1168% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.1168% | 2,565 |
| Net charge-offs to loans | 0.8909% | 1,486 |
| Credit loss provision to net charge-offs | 46.8085% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.8280% | 3,390 |
| Efficiency ratio | 67.2802% | 4,792 |
| Assets per employee ($millions) | 10.2082% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2596% | 738 |
| Loan loss allowance to noncurrent loans | 38.0210% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 6.8104% | 802 |
| Noncurrent loans to loans | 8.5731% | 542 |
| Net loans and leases to total assets | 57.4378% | 4,731 |
| Net loans and leases to deposits | 93.3722% | 885 |
| Net loans and leases to core deposits | 105.7373% | 952 |
| Total domestic deposits to total assets | 61.5149% | 7,410 |
| Equity capital to assets | 9.8209% | 4,012 |
| Core capital (leverage) ratio | 10.1329% | 2,993 |
| Tier 1 risk-based capital ratio | 18.6040% | 1,924 |
| Total risk-based capital ratio | 19.8821% | 1,866 |
| Memoranda: | ||
| Average total assets | $421,147,500 | 1,583 |
| Average earning assets | $399,798,000 | 1,518 |
| Average equity | $40,871,000 | 1,633 |
| Average total loans | $253,218,500 | 1,711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3276% | 2,992 |
| Cost of funding earning assets | 2.1553% | 354 |
| Net interest margin | 3.1723% | 6,330 |
| Noninterest income to average assets | -0.1701% | 7,452 |
| Noninterest expense to average assets | 2.1211% | 6,795 |
| Loan and lease loss provision to assets | 1.0217% | 1,585 |
| Net operating income to assets | -0.4296% | 6,340 |
| Return on assets (ROA) | -0.2398% | 6,207 |
| Pretax return on assets | -0.1063% | 6,003 |
| Return on Equity (ROE) | -2.4770% | 6,230 |
| Retained earnings to average equity (ytd only) | -2.4770% | 6,046 |
| Net charge-offs to loans | 1.7366% | 1,244 |
| Credit loss provision to net charge-offs | 91.3035% | 5,071 |
| Earnings coverage of net charge-offs (x) | 0.6485% | 5,462 |
| Efficiency ratio | 74.5093% | 3,294 |
| Assets per employee ($millions) | 9.4169% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2566% | 699 |
| Loan loss allowance to noncurrent loans | 37.2621% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 7.0686% | 767 |
| Noncurrent loans to loans | 8.7397% | 545 |
| Net loans and leases to total assets | 58.8870% | 4,872 |
| Net loans and leases to deposits | 96.2490% | 849 |
| Net loans and leases to core deposits | 108.8601% | 994 |
| Total domestic deposits to total assets | 61.1819% | 7,494 |
| Equity capital to assets | 9.5899% | 4,286 |
| Core capital (leverage) ratio | 9.9233% | 3,171 |
| Tier 1 risk-based capital ratio | 17.7179% | 2,086 |
| Total risk-based capital ratio | 18.9962% | 2,043 |
| Memoranda: | ||
| Average total assets | $436,704,000 | 1,527 |
| Average earning assets | $415,311,000 | 1,464 |
| Average equity | $42,269,400 | 1,569 |
| Average total loans | $281,414,200 | 1,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4022% | 2,870 |
| Cost of funding earning assets | 2.2409% | 335 |
| Net interest margin | 3.1613% | 6,452 |
| Noninterest income to average assets | -0.2000% | 7,593 |
| Noninterest expense to average assets | 2.0720% | 6,909 |
| Loan and lease loss provision to assets | 1.1635% | 1,242 |
| Net operating income to assets | -0.4607% | 6,565 |
| Return on assets (ROA) | -0.4419% | 6,593 |
| Pretax return on assets | -0.4082% | 6,501 |
| Return on Equity (ROE) | -4.5550% | 6,618 |
| Retained earnings to average equity (ytd only) | -4.5550% | 6,523 |
| Net charge-offs to loans | 1.6327% | 1,210 |
| Credit loss provision to net charge-offs | 109.1245% | 3,896 |
| Earnings coverage of net charge-offs (x) | 0.6907% | 5,357 |
| Efficiency ratio | 73.7779% | 3,366 |
| Assets per employee ($millions) | 9.6175% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3610% | 597 |
| Loan loss allowance to noncurrent loans | 34.3473% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 7.6646% | 671 |
| Noncurrent loans to loans | 9.7854% | 443 |
| Net loans and leases to total assets | 62.1437% | 4,497 |
| Net loans and leases to deposits | 102.0791% | 530 |
| Net loans and leases to core deposits | 113.2494% | 875 |
| Total domestic deposits to total assets | 60.8780% | 7,579 |
| Equity capital to assets | 10.0792% | 4,056 |
| Core capital (leverage) ratio | 9.8164% | 3,465 |
| Tier 1 risk-based capital ratio | 17.2762% | 2,248 |
| Total risk-based capital ratio | 18.5578% | 2,199 |
| Memoranda: | ||
| Average total assets | $439,940,250 | 1,537 |
| Average earning assets | $418,681,250 | 1,469 |
| Average equity | $42,677,250 | 1,560 |
| Average total loans | $287,283,000 | 1,572 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5149% | 2,461 |
| Cost of funding earning assets | 2.3616% | 273 |
| Net interest margin | 3.1533% | 6,454 |
| Noninterest income to average assets | -0.2137% | 7,683 |
| Noninterest expense to average assets | 2.1148% | 6,854 |
| Loan and lease loss provision to assets | 0.9557% | 1,535 |
| Net operating income to assets | -0.2106% | 6,368 |
| Return on assets (ROA) | 0.0287% | 6,136 |
| Pretax return on assets | 0.0862% | 6,004 |
| Return on Equity (ROE) | 0.2999% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.2999% | 5,637 |
| Net charge-offs to loans | 1.6077% | 1,182 |
| Credit loss provision to net charge-offs | 90.5957% | 4,408 |
| Earnings coverage of net charge-offs (x) | 0.6332% | 5,105 |
| Efficiency ratio | 75.9961% | 3,081 |
| Assets per employee ($millions) | 9.6186% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0415% | 794 |
| Loan loss allowance to noncurrent loans | 32.4190% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 7.3446% | 698 |
| Noncurrent loans to loans | 9.3818% | 492 |
| Net loans and leases to total assets | 63.3693% | 4,378 |
| Net loans and leases to deposits | 108.0534% | 323 |
| Net loans and leases to core deposits | 119.3966% | 714 |
| Total domestic deposits to total assets | 58.6462% | 7,674 |
| Equity capital to assets | 9.9835% | 4,046 |
| Core capital (leverage) ratio | 9.7490% | 3,474 |
| Tier 1 risk-based capital ratio | 16.8789% | 2,331 |
| Total risk-based capital ratio | 18.1550% | 2,274 |
| Memoranda: | ||
| Average total assets | $445,530,670 | 1,536 |
| Average earning assets | $423,362,670 | 1,464 |
| Average equity | $42,685,670 | 1,555 |
| Average total loans | $292,337,670 | 1,568 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 2,500 |
| Cost of funding earning assets | 2.4477% | 261 |
| Net interest margin | 3.0715% | 6,664 |
| Noninterest income to average assets | -0.2063% | 7,805 |
| Noninterest expense to average assets | 1.8925% | 7,341 |
| Loan and lease loss provision to assets | 0.7453% | 1,707 |
| Net operating income to assets | 0.0037% | 6,275 |
| Return on assets (ROA) | 0.0009% | 6,391 |
| Pretax return on assets | 0.0894% | 6,159 |
| Return on Equity (ROE) | 0.0094% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.0094% | 5,814 |
| Net charge-offs to loans | 1.2132% | 1,400 |
| Credit loss provision to net charge-offs | 93.4517% | 3,580 |
| Earnings coverage of net charge-offs (x) | 1.0522% | 4,134 |
| Efficiency ratio | 69.2806% | 4,453 |
| Assets per employee ($millions) | 9.8051% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0004% | 823 |
| Loan loss allowance to noncurrent loans | 36.9172% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 6.3970% | 899 |
| Noncurrent loans to loans | 8.1275% | 655 |
| Net loans and leases to total assets | 61.4944% | 4,857 |
| Net loans and leases to deposits | 111.5392% | 262 |
| Net loans and leases to core deposits | 120.0621% | 784 |
| Total domestic deposits to total assets | 55.1326% | 7,804 |
| Equity capital to assets | 9.2742% | 4,875 |
| Core capital (leverage) ratio | 9.3227% | 4,010 |
| Tier 1 risk-based capital ratio | 16.5008% | 2,449 |
| Total risk-based capital ratio | 17.7767% | 2,388 |
| Memoranda: | ||
| Average total assets | $451,878,000 | 1,552 |
| Average earning assets | $432,237,000 | 1,477 |
| Average equity | $42,422,500 | 1,579 |
| Average total loans | $297,062,000 | 1,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8376% | 2,494 |
| Cost of funding earning assets | 3.1895% | 131 |
| Net interest margin | 2.6481% | 7,281 |
| Noninterest income to average assets | -0.0691% | 7,779 |
| Noninterest expense to average assets | 1.8406% | 7,572 |
| Loan and lease loss provision to assets | 1.5935% | 1,437 |
| Net operating income to assets | -0.4813% | 6,159 |
| Return on assets (ROA) | 0.0078% | 5,513 |
| Pretax return on assets | -0.1891% | 5,691 |
| Return on Equity (ROE) | 0.0892% | 5,506 |
| Retained earnings to average equity (ytd only) | 0.0892% | 4,850 |
| Net charge-offs to loans | 2.0735% | 1,181 |
| Credit loss provision to net charge-offs | 111.7890% | 4,909 |
| Earnings coverage of net charge-offs (x) | 0.4492% | 5,661 |
| Efficiency ratio | 74.1914% | 3,860 |
| Assets per employee ($millions) | 9.4237% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9225% | 831 |
| Loan loss allowance to noncurrent loans | 37.9178% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 6.4048% | 862 |
| Noncurrent loans to loans | 7.7075% | 672 |
| Net loans and leases to total assets | 66.1846% | 4,112 |
| Net loans and leases to deposits | 123.9187% | 130 |
| Net loans and leases to core deposits | 185.6116% | 137 |
| Total domestic deposits to total assets | 53.4097% | 7,886 |
| Equity capital to assets | 9.5065% | 4,405 |
| Core capital (leverage) ratio | 9.7413% | 3,394 |
| Tier 1 risk-based capital ratio | 16.3408% | 2,380 |
| Total risk-based capital ratio | 17.6166% | 2,318 |
| Memoranda: | ||
| Average total assets | $476,051,800 | 1,459 |
| Average earning assets | $458,407,600 | 1,373 |
| Average equity | $41,474,400 | 1,614 |
| Average total loans | $327,280,000 | 1,469 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8964% | 2,467 |
| Cost of funding earning assets | 3.3658% | 110 |
| Net interest margin | 2.5306% | 7,427 |
| Noninterest income to average assets | -0.1013% | 7,931 |
| Noninterest expense to average assets | 1.8238% | 7,641 |
| Loan and lease loss provision to assets | 1.8777% | 979 |
| Net operating income to assets | -0.7795% | 6,674 |
| Return on assets (ROA) | -0.2249% | 6,112 |
| Pretax return on assets | -0.4963% | 6,292 |
| Return on Equity (ROE) | -2.6365% | 6,182 |
| Retained earnings to average equity (ytd only) | -2.6365% | 5,848 |
| Net charge-offs to loans | 1.8940% | 1,061 |
| Credit loss provision to net charge-offs | 143.9333% | 3,393 |
| Earnings coverage of net charge-offs (x) | 0.3946% | 5,631 |
| Efficiency ratio | 77.9871% | 3,168 |
| Assets per employee ($millions) | 9.4449% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2074% | 557 |
| Loan loss allowance to noncurrent loans | 39.2063% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 6.7177% | 738 |
| Noncurrent loans to loans | 8.1807% | 582 |
| Net loans and leases to total assets | 67.2785% | 4,123 |
| Net loans and leases to deposits | 123.9207% | 149 |
| Net loans and leases to core deposits | 157.1347% | 438 |
| Total domestic deposits to total assets | 54.2916% | 7,948 |
| Equity capital to assets | 9.2647% | 5,074 |
| Core capital (leverage) ratio | 9.2422% | 4,274 |
| Tier 1 risk-based capital ratio | 15.5348% | 2,807 |
| Total risk-based capital ratio | 16.8151% | 2,724 |
| Memoranda: | ||
| Average total assets | $484,335,750 | 1,442 |
| Average earning assets | $466,958,750 | 1,364 |
| Average equity | $41,316,500 | 1,641 |
| Average total loans | $333,608,250 | 1,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0008% | 2,176 |
| Cost of funding earning assets | 3.5006% | 111 |
| Net interest margin | 2.5002% | 7,477 |
| Noninterest income to average assets | -0.1124% | 8,037 |
| Noninterest expense to average assets | 1.7778% | 7,768 |
| Loan and lease loss provision to assets | 1.9096% | 859 |
| Net operating income to assets | -0.7648% | 6,806 |
| Return on assets (ROA) | -0.1472% | 6,121 |
| Pretax return on assets | -0.4217% | 6,348 |
| Return on Equity (ROE) | -1.7718% | 6,188 |
| Retained earnings to average equity (ytd only) | -1.7718% | 5,689 |
| Net charge-offs to loans | 1.6870% | 1,127 |
| Credit loss provision to net charge-offs | 164.7941% | 2,784 |
| Earnings coverage of net charge-offs (x) | 0.4512% | 5,251 |
| Efficiency ratio | 77.2759% | 3,459 |
| Assets per employee ($millions) | 9.5886% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0340% | 556 |
| Loan loss allowance to noncurrent loans | 41.4270% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 6.0659% | 798 |
| Noncurrent loans to loans | 7.3238% | 648 |
| Net loans and leases to total assets | 67.2190% | 4,312 |
| Net loans and leases to deposits | 120.6204% | 224 |
| Net loans and leases to core deposits | 130.6105% | 1,513 |
| Total domestic deposits to total assets | 55.7278% | 8,010 |
| Equity capital to assets | 8.9868% | 5,337 |
| Core capital (leverage) ratio | 8.9821% | 4,664 |
| Tier 1 risk-based capital ratio | 14.8990% | 3,062 |
| Total risk-based capital ratio | 16.1761% | 2,996 |
| Memoranda: | ||
| Average total assets | $494,662,330 | 1,429 |
| Average earning assets | $477,402,670 | 1,355 |
| Average equity | $41,088,000 | 1,651 |
| Average total loans | $339,771,670 | 1,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3651% | 1,144 |
| Cost of funding earning assets | 3.6139% | 107 |
| Net interest margin | 2.7512% | 7,088 |
| Noninterest income to average assets | -0.0789% | 8,126 |
| Noninterest expense to average assets | 1.4933% | 7,993 |
| Loan and lease loss provision to assets | 2.5708% | 446 |
| Net operating income to assets | -1.4799% | 7,489 |
| Return on assets (ROA) | 0.5175% | 4,538 |
| Pretax return on assets | 0.5135% | 5,045 |
| Return on Equity (ROE) | 6.4758% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.4758% | 2,429 |
| Net charge-offs to loans | 1.7912% | 807 |
| Credit loss provision to net charge-offs | 209.8519% | 2,138 |
| Earnings coverage of net charge-offs (x) | 0.8873% | 4,319 |
| Efficiency ratio | 57.8722% | 6,722 |
| Assets per employee ($millions) | 9.6588% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8616% | 550 |
| Loan loss allowance to noncurrent loans | 39.6084% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 5.6884% | 731 |
| Noncurrent loans to loans | 7.2246% | 540 |
| Net loans and leases to total assets | 67.0582% | 4,331 |
| Net loans and leases to deposits | 115.5866% | 398 |
| Net loans and leases to core deposits | 117.4926% | 2,640 |
| Total domestic deposits to total assets | 58.0155% | 8,007 |
| Equity capital to assets | 8.2042% | 6,531 |
| Core capital (leverage) ratio | 8.5408% | 5,450 |
| Tier 1 risk-based capital ratio | 14.4264% | 3,349 |
| Total risk-based capital ratio | 15.7007% | 3,258 |
| Memoranda: | ||
| Average total assets | $507,072,000 | 1,403 |
| Average earning assets | $490,113,000 | 1,323 |
| Average equity | $40,520,000 | 1,683 |
| Average total loans | $346,804,500 | 1,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5721% | 2,615 |
| Cost of funding earning assets | 3.9304% | 126 |
| Net interest margin | 2.6417% | 7,591 |
| Noninterest income to average assets | -0.0582% | 8,186 |
| Noninterest expense to average assets | 1.4129% | 8,067 |
| Loan and lease loss provision to assets | 1.1308% | 1,285 |
| Net operating income to assets | -0.1694% | 6,583 |
| Return on assets (ROA) | -0.1021% | 6,350 |
| Pretax return on assets | 0.0686% | 6,012 |
| Return on Equity (ROE) | -1.2330% | 6,395 |
| Retained earnings to average equity (ytd only) | -1.2330% | 5,664 |
| Net charge-offs to loans | 0.8801% | 1,411 |
| Credit loss provision to net charge-offs | 176.7301% | 2,869 |
| Earnings coverage of net charge-offs (x) | 1.7102% | 5,224 |
| Efficiency ratio | 56.3551% | 6,960 |
| Assets per employee ($millions) | 10.4309% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2698% | 886 |
| Loan loss allowance to noncurrent loans | 37.7967% | 6,199 |
| Noncurrent assets plus other real estate owned to assets | 4.5256% | 828 |
| Noncurrent loans to loans | 6.0054% | 590 |
| Net loans and leases to total assets | 66.2503% | 4,796 |
| Net loans and leases to deposits | 109.6324% | 861 |
| Net loans and leases to core deposits | 110.8212% | 3,705 |
| Total domestic deposits to total assets | 60.4295% | 7,951 |
| Equity capital to assets | 7.7895% | 7,107 |
| Core capital (leverage) ratio | 8.1818% | 6,197 |
| Tier 1 risk-based capital ratio | 14.8009% | 3,146 |
| Total risk-based capital ratio | 16.0695% | 3,055 |
| Memoranda: | ||
| Average total assets | $517,158,600 | 1,302 |
| Average earning assets | $502,211,800 | 1,225 |
| Average equity | $42,820,800 | 1,566 |
| Average total loans | $375,997,400 | 1,292 |