Home > Golden Eagle Community Bank > Performance and Condition Ratios
Golden Eagle Community Bank, Performance and Condition Ratios
| 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 | 5.0256% | 1,411 |
| Cost of funding earning assets | 1.3579% | 620 |
| Net interest margin | 3.6677% | 3,040 |
| Noninterest income to average assets | 0.2302% | 4,379 |
| Noninterest expense to average assets | 3.1833% | 1,545 |
| Loan and lease loss provision to assets | 0.0358% | 3,103 |
| Net operating income to assets | 0.2648% | 4,921 |
| Return on assets (ROA) | 0.2648% | 4,934 |
| Pretax return on assets | 0.3841% | 4,849 |
| Return on Equity (ROE) | 2.6608% | 4,848 |
| Retained earnings to average equity (ytd only) | 2.6608% | 3,874 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3482% | 426 |
| Assets per employee ($millions) | 5.7150% | 1,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,925 |
| Loan loss allowance to noncurrent loans | 44.0158% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 2.5698% | 282 |
| Noncurrent loans to loans | 2.5601% | 452 |
| Net loans and leases to total assets | 79.9913% | 883 |
| Net loans and leases to deposits | 93.2357% | 1,350 |
| Net loans and leases to core deposits | 110.5544% | 946 |
| Total domestic deposits to total assets | 85.7947% | 2,137 |
| Equity capital to assets | 9.8384% | 4,106 |
| Core capital (leverage) ratio | 9.5422% | 4,111 |
| Tier 1 risk-based capital ratio | 11.4224% | 4,724 |
| Total risk-based capital ratio | 12.5149% | 4,693 |
| Memoranda: | ||
| Average total assets | $167,685,330 | 3,180 |
| Average earning assets | $154,210,000 | 3,188 |
| Average equity | $16,686,670 | 3,497 |
| Average total loans | $133,699,670 | 2,830 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 1,434 |
| Cost of funding earning assets | 1.2714% | 725 |
| Net interest margin | 3.6907% | 2,927 |
| Noninterest income to average assets | 0.4150% | 3,081 |
| Noninterest expense to average assets | 3.0156% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5452% | 4,394 |
| Return on assets (ROA) | 0.5452% | 4,420 |
| Pretax return on assets | 0.7889% | 4,070 |
| Return on Equity (ROE) | 5.4471% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.4471% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2644% | 1,125 |
| Assets per employee ($millions) | 6.3075% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 2,904 |
| Loan loss allowance to noncurrent loans | 83.4513% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6042% | 712 |
| Noncurrent loans to loans | 1.3673% | 1,181 |
| Net loans and leases to total assets | 77.9886% | 1,154 |
| Net loans and leases to deposits | 90.9263% | 1,516 |
| Net loans and leases to core deposits | 106.7266% | 1,124 |
| Total domestic deposits to total assets | 85.7712% | 2,375 |
| Equity capital to assets | 9.8571% | 3,961 |
| Core capital (leverage) ratio | 9.9106% | 3,698 |
| Tier 1 risk-based capital ratio | 11.7679% | 4,581 |
| Total risk-based capital ratio | 12.8716% | 4,558 |
| Memoranda: | ||
| Average total assets | $165,803,000 | 3,228 |
| Average earning assets | $152,273,000 | 3,245 |
| Average equity | $16,596,000 | 3,516 |
| Average total loans | $131,195,500 | 2,890 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 2,177 |
| Cost of funding earning assets | 0.9090% | 1,056 |
| Net interest margin | 3.6753% | 3,137 |
| Noninterest income to average assets | 0.1216% | 5,072 |
| Noninterest expense to average assets | 2.8028% | 2,684 |
| Loan and lease loss provision to assets | 0.0382% | 3,440 |
| Net operating income to assets | 0.4804% | 4,700 |
| Return on assets (ROA) | 0.4749% | 4,720 |
| Pretax return on assets | 0.6633% | 4,503 |
| Return on Equity (ROE) | 4.6545% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.6545% | 2,958 |
| Net charge-offs to loans | 0.0569% | 2,330 |
| Credit loss provision to net charge-offs | 88.2353% | 2,745 |
| Earnings coverage of net charge-offs (x) | 16.3676% | 2,250 |
| Efficiency ratio | 79.8223% | 975 |
| Assets per employee ($millions) | 5.3768% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,588 |
| Loan loss allowance to noncurrent loans | 60.1885% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.1339% | 428 |
| Noncurrent loans to loans | 1.9892% | 681 |
| Net loans and leases to total assets | 78.4288% | 1,194 |
| Net loans and leases to deposits | 91.9951% | 1,556 |
| Net loans and leases to core deposits | 104.1612% | 1,401 |
| Total domestic deposits to total assets | 85.2532% | 2,531 |
| Equity capital to assets | 10.1703% | 3,505 |
| Core capital (leverage) ratio | 10.1961% | 3,360 |
| Tier 1 risk-based capital ratio | 11.9204% | 4,482 |
| Total risk-based capital ratio | 13.0541% | 4,439 |
| Memoranda: | ||
| Average total assets | $157,091,800 | 3,314 |
| Average earning assets | $144,886,200 | 3,318 |
| Average equity | $16,027,400 | 3,508 |
| Average total loans | $119,451,800 | 3,001 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,266 |
| Cost of funding earning assets | 0.8546% | 1,098 |
| Net interest margin | 3.6556% | 3,184 |
| Noninterest income to average assets | 0.1077% | 5,188 |
| Noninterest expense to average assets | 2.6642% | 3,086 |
| Loan and lease loss provision to assets | 0.0256% | 3,502 |
| Net operating income to assets | 0.5739% | 4,578 |
| Return on assets (ROA) | 0.5665% | 4,601 |
| Pretax return on assets | 0.7929% | 4,313 |
| Return on Equity (ROE) | 5.5481% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.5481% | 2,927 |
| Net charge-offs to loans | 0.0432% | 2,233 |
| Credit loss provision to net charge-offs | 78.9474% | 2,538 |
| Earnings coverage of net charge-offs (x) | 25.4977% | 1,776 |
| Efficiency ratio | 76.2907% | 1,320 |
| Assets per employee ($millions) | 5.1691% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,136 |
| Loan loss allowance to noncurrent loans | 55.9898% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.4917% | 349 |
| Noncurrent loans to loans | 2.3055% | 593 |
| Net loans and leases to total assets | 75.5928% | 1,716 |
| Net loans and leases to deposits | 88.6141% | 2,075 |
| Net loans and leases to core deposits | 99.9625% | 1,800 |
| Total domestic deposits to total assets | 85.3056% | 2,483 |
| Equity capital to assets | 10.4357% | 3,201 |
| Core capital (leverage) ratio | 10.3521% | 3,236 |
| Tier 1 risk-based capital ratio | 12.5076% | 4,194 |
| Total risk-based capital ratio | 13.7236% | 4,100 |
| Memoranda: | ||
| Average total assets | $156,039,000 | 3,350 |
| Average earning assets | $144,467,000 | 3,350 |
| Average equity | $15,933,000 | 3,546 |
| Average total loans | $117,304,500 | 3,052 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4579% | 2,232 |
| Cost of funding earning assets | 0.8177% | 1,054 |
| Net interest margin | 3.6403% | 3,156 |
| Noninterest income to average assets | 0.0819% | 5,318 |
| Noninterest expense to average assets | 2.5997% | 3,328 |
| Loan and lease loss provision to assets | 0.0384% | 3,143 |
| Net operating income to assets | 0.5843% | 4,546 |
| Return on assets (ROA) | 0.5732% | 4,581 |
| Pretax return on assets | 0.8073% | 4,224 |
| Return on Equity (ROE) | 5.6657% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.6657% | 2,741 |
| Net charge-offs to loans | 0.0342% | 2,164 |
| Credit loss provision to net charge-offs | 150.0000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 33.6000% | 1,411 |
| Efficiency ratio | 75.1479% | 1,538 |
| Assets per employee ($millions) | 4.8379% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,015 |
| Loan loss allowance to noncurrent loans | 2,154.1667% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 1,874 |
| Noncurrent loans to loans | 0.0619% | 4,645 |
| Net loans and leases to total assets | 76.4914% | 1,562 |
| Net loans and leases to deposits | 87.1830% | 2,194 |
| Net loans and leases to core deposits | 98.6228% | 1,845 |
| Total domestic deposits to total assets | 87.7366% | 1,512 |
| Equity capital to assets | 10.6251% | 3,003 |
| Core capital (leverage) ratio | 10.1585% | 3,408 |
| Tier 1 risk-based capital ratio | 13.1110% | 3,840 |
| Total risk-based capital ratio | 14.3628% | 3,754 |
| Memoranda: | ||
| Average total assets | $156,325,670 | 3,364 |
| Average earning assets | $145,044,670 | 3,358 |
| Average equity | $15,814,330 | 3,580 |
| Average total loans | $116,820,330 | 3,074 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2934% | 2,543 |
| Cost of funding earning assets | 0.7860% | 1,013 |
| Net interest margin | 3.5074% | 3,506 |
| Noninterest income to average assets | 0.1329% | 5,199 |
| Noninterest expense to average assets | 2.5128% | 3,603 |
| Loan and lease loss provision to assets | 0.0752% | 2,260 |
| Net operating income to assets | 0.5710% | 4,512 |
| Return on assets (ROA) | 0.5492% | 4,581 |
| Pretax return on assets | 0.7849% | 4,189 |
| Return on Equity (ROE) | 5.5605% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.5605% | 2,923 |
| Net charge-offs to loans | 0.0683% | 1,427 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,568 |
| Efficiency ratio | 73.8938% | 1,912 |
| Assets per employee ($millions) | 5.9240% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,120 |
| Loan loss allowance to noncurrent loans | 603.5019% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 1,724 |
| Noncurrent loans to loans | 0.2197% | 3,990 |
| Net loans and leases to total assets | 72.1803% | 2,144 |
| Net loans and leases to deposits | 81.0643% | 2,690 |
| Net loans and leases to core deposits | 91.1424% | 2,366 |
| Total domestic deposits to total assets | 89.0408% | 1,074 |
| Equity capital to assets | 9.8545% | 3,747 |
| Core capital (leverage) ratio | 9.6857% | 3,864 |
| Tier 1 risk-based capital ratio | 13.1119% | 3,892 |
| Total risk-based capital ratio | 14.3642% | 3,801 |
| Memoranda: | ||
| Average total assets | $159,501,000 | 3,366 |
| Average earning assets | $148,600,500 | 3,355 |
| Average equity | $15,754,000 | 3,616 |
| Average total loans | $117,096,000 | 3,101 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4923% | 1,729 |
| Cost of funding earning assets | 0.7805% | 695 |
| Net interest margin | 3.7118% | 2,755 |
| Noninterest income to average assets | 0.2054% | 4,912 |
| Noninterest expense to average assets | 2.6044% | 3,432 |
| Loan and lease loss provision to assets | -0.0892% | 5,464 |
| Net operating income to assets | 0.4531% | 4,521 |
| Return on assets (ROA) | 0.4531% | 4,553 |
| Pretax return on assets | 1.1235% | 3,094 |
| Return on Equity (ROE) | 4.1063% | 4,470 |
| Retained earnings to average equity (ytd only) | 4.1063% | 2,703 |
| Net charge-offs to loans | 0.0953% | 2,128 |
| Credit loss provision to net charge-offs | -123.8532% | 4,737 |
| Earnings coverage of net charge-offs (x) | 14.3670% | 2,332 |
| Efficiency ratio | 71.5738% | 2,296 |
| Assets per employee ($millions) | 5.8909% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,151 |
| Loan loss allowance to noncurrent loans | 609.0909% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 1,659 |
| Noncurrent loans to loans | 0.2159% | 4,047 |
| Net loans and leases to total assets | 72.7105% | 2,131 |
| Net loans and leases to deposits | 82.2282% | 2,697 |
| Net loans and leases to core deposits | 93.3542% | 2,252 |
| Total domestic deposits to total assets | 88.4253% | 1,286 |
| Equity capital to assets | 9.8998% | 3,819 |
| Core capital (leverage) ratio | 9.5709% | 3,946 |
| Tier 1 risk-based capital ratio | 12.6412% | 4,124 |
| Total risk-based capital ratio | 13.8948% | 4,012 |
| Memoranda: | ||
| Average total assets | $151,396,400 | 3,452 |
| Average earning assets | $140,039,400 | 3,451 |
| Average equity | $16,706,200 | 3,510 |
| Average total loans | $114,370,400 | 3,124 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4793% | 1,702 |
| Cost of funding earning assets | 0.7718% | 678 |
| Net interest margin | 3.7075% | 2,730 |
| Noninterest income to average assets | 0.2060% | 4,974 |
| Noninterest expense to average assets | 2.6125% | 3,375 |
| Loan and lease loss provision to assets | -0.0669% | 5,546 |
| Net operating income to assets | 0.6484% | 4,195 |
| Return on assets (ROA) | 0.6484% | 4,251 |
| Pretax return on assets | 1.0837% | 3,366 |
| Return on Equity (ROE) | 5.7199% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.7199% | 2,421 |
| Net charge-offs to loans | 0.1279% | 1,507 |
| Credit loss provision to net charge-offs | -68.8073% | 4,472 |
| Earnings coverage of net charge-offs (x) | 10.4587% | 2,590 |
| Efficiency ratio | 71.9833% | 2,207 |
| Assets per employee ($millions) | 5.7710% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 1,933 |
| Loan loss allowance to noncurrent loans | 622.9572% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 1,711 |
| Noncurrent loans to loans | 0.2231% | 4,173 |
| Net loans and leases to total assets | 75.7036% | 1,640 |
| Net loans and leases to deposits | 86.6697% | 2,220 |
| Net loans and leases to core deposits | 98.7567% | 1,822 |
| Total domestic deposits to total assets | 87.3473% | 1,700 |
| Equity capital to assets | 10.5780% | 3,282 |
| Core capital (leverage) ratio | 9.7258% | 3,905 |
| Tier 1 risk-based capital ratio | 12.5465% | 4,289 |
| Total risk-based capital ratio | 13.8030% | 4,193 |
| Memoranda: | ||
| Average total assets | $149,482,000 | 3,510 |
| Average earning assets | $138,023,750 | 3,511 |
| Average equity | $16,946,250 | 3,525 |
| Average total loans | $113,665,500 | 3,166 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 1,674 |
| Cost of funding earning assets | 0.7574% | 664 |
| Net interest margin | 3.6898% | 2,687 |
| Noninterest income to average assets | 0.1835% | 5,133 |
| Noninterest expense to average assets | 2.6217% | 3,363 |
| Loan and lease loss provision to assets | -0.1005% | 5,645 |
| Net operating income to assets | 0.6323% | 4,151 |
| Return on assets (ROA) | 0.6323% | 4,203 |
| Pretax return on assets | 1.0623% | 3,329 |
| Return on Equity (ROE) | 5.4553% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4553% | 2,436 |
| Net charge-offs to loans | 0.0300% | 2,606 |
| Credit loss provision to net charge-offs | -441.1765% | 4,643 |
| Earnings coverage of net charge-offs (x) | 42.2353% | 1,209 |
| Efficiency ratio | 73.1589% | 2,159 |
| Assets per employee ($millions) | 5.7562% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 1,710 |
| Loan loss allowance to noncurrent loans | 3,023.2143% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 4,224 |
| Noncurrent loans to loans | 0.0484% | 4,951 |
| Net loans and leases to total assets | 76.2084% | 1,516 |
| Net loans and leases to deposits | 87.0131% | 2,102 |
| Net loans and leases to core deposits | 98.9520% | 1,731 |
| Total domestic deposits to total assets | 87.5827% | 1,671 |
| Equity capital to assets | 10.4549% | 3,399 |
| Core capital (leverage) ratio | 9.3481% | 4,297 |
| Tier 1 risk-based capital ratio | 12.2464% | 4,464 |
| Total risk-based capital ratio | 13.5028% | 4,345 |
| Memoranda: | ||
| Average total assets | $149,293,670 | 3,529 |
| Average earning assets | $137,569,000 | 3,530 |
| Average equity | $17,304,330 | 3,496 |
| Average total loans | $113,156,670 | 3,177 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 1,688 |
| Cost of funding earning assets | 0.7393% | 696 |
| Net interest margin | 3.6469% | 2,705 |
| Noninterest income to average assets | 0.1234% | 5,500 |
| Noninterest expense to average assets | 2.6128% | 3,451 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5070% | 4,571 |
| Return on assets (ROA) | 0.5070% | 4,597 |
| Pretax return on assets | 0.8718% | 3,860 |
| Return on Equity (ROE) | 4.1692% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.1692% | 3,370 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9808% | 2,070 |
| Assets per employee ($millions) | 6.0392% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 1,383 |
| Loan loss allowance to noncurrent loans | 1,257.7465% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 3,335 |
| Noncurrent loans to loans | 0.1271% | 4,675 |
| Net loans and leases to total assets | 72.7903% | 1,944 |
| Net loans and leases to deposits | 85.2471% | 2,122 |
| Net loans and leases to core deposits | 96.6799% | 1,773 |
| Total domestic deposits to total assets | 85.3874% | 2,928 |
| Equity capital to assets | 12.1103% | 1,767 |
| Core capital (leverage) ratio | 11.5063% | 1,941 |
| Tier 1 risk-based capital ratio | 14.4491% | 3,230 |
| Total risk-based capital ratio | 15.7061% | 3,154 |
| Memoranda: | ||
| Average total assets | $149,109,500 | 3,566 |
| Average earning assets | $137,430,000 | 3,565 |
| Average equity | $18,133,000 | 3,397 |
| Average total loans | $111,861,000 | 3,222 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 1,339 |
| Cost of funding earning assets | 0.8137% | 464 |
| Net interest margin | 3.7617% | 2,464 |
| Noninterest income to average assets | 0.2878% | 4,681 |
| Noninterest expense to average assets | 3.0555% | 2,158 |
| Loan and lease loss provision to assets | -0.0692% | 5,628 |
| Net operating income to assets | 1.1631% | 1,635 |
| Return on assets (ROA) | 1.1631% | 1,732 |
| Pretax return on assets | 0.6027% | 4,781 |
| Return on Equity (ROE) | 9.9096% | 1,995 |
| Retained earnings to average equity (ytd only) | 9.9096% | 421 |
| Net charge-offs to loans | -0.1479% | 5,678 |
| Credit loss provision to net charge-offs | 62.5000% | 3,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1359% | 891 |
| Assets per employee ($millions) | 5.4533% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 1,392 |
| Loan loss allowance to noncurrent loans | 340.6489% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 2,287 |
| Noncurrent loans to loans | 0.4677% | 3,477 |
| Net loans and leases to total assets | 74.8798% | 1,710 |
| Net loans and leases to deposits | 85.7506% | 2,213 |
| Net loans and leases to core deposits | 97.3846% | 1,808 |
| Total domestic deposits to total assets | 87.3227% | 1,974 |
| Equity capital to assets | 12.2127% | 1,674 |
| Core capital (leverage) ratio | 11.5398% | 1,902 |
| Tier 1 risk-based capital ratio | 14.4582% | 3,212 |
| Total risk-based capital ratio | 15.7191% | 3,137 |
| Memoranda: | ||
| Average total assets | $144,526,200 | 3,597 |
| Average earning assets | $126,832,400 | 3,708 |
| Average equity | $16,963,400 | 3,557 |
| Average total loans | $108,199,800 | 3,233 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,283 |
| Cost of funding earning assets | 0.8234% | 440 |
| Net interest margin | 3.7813% | 2,406 |
| Noninterest income to average assets | 0.3365% | 4,374 |
| Noninterest expense to average assets | 2.9401% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6738% | 3,993 |
| Return on assets (ROA) | 0.6738% | 4,109 |
| Pretax return on assets | 0.6738% | 4,680 |
| Return on Equity (ROE) | 5.8012% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.8012% | 2,299 |
| Net charge-offs to loans | -0.1989% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3542% | 1,267 |
| Assets per employee ($millions) | 5.8927% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7041% | 1,217 |
| Loan loss allowance to noncurrent loans | 1,224.0260% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 3,158 |
| Noncurrent loans to loans | 0.1392% | 4,785 |
| Net loans and leases to total assets | 73.8061% | 1,901 |
| Net loans and leases to deposits | 83.9548% | 2,486 |
| Net loans and leases to core deposits | 95.1818% | 2,081 |
| Total domestic deposits to total assets | 87.9118% | 1,439 |
| Equity capital to assets | 11.6477% | 2,402 |
| Core capital (leverage) ratio | 11.1414% | 2,320 |
| Tier 1 risk-based capital ratio | 13.4778% | 3,872 |
| Total risk-based capital ratio | 14.7379% | 3,778 |
| Memoranda: | ||
| Average total assets | $143,847,750 | 3,628 |
| Average earning assets | $124,681,750 | 3,764 |
| Average equity | $16,708,750 | 3,622 |
| Average total loans | $107,240,250 | 3,273 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,256 |
| Cost of funding earning assets | 0.8240% | 430 |
| Net interest margin | 3.7825% | 2,392 |
| Noninterest income to average assets | 0.3756% | 4,062 |
| Noninterest expense to average assets | 2.9616% | 2,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6826% | 3,886 |
| Return on assets (ROA) | 0.6826% | 4,029 |
| Pretax return on assets | 0.6826% | 4,671 |
| Return on Equity (ROE) | 5.8821% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.8821% | 2,197 |
| Net charge-offs to loans | -0.3016% | 5,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2692% | 1,355 |
| Assets per employee ($millions) | 5.9093% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 1,173 |
| Loan loss allowance to noncurrent loans | 301.1182% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 2.3776% | 615 |
| Noncurrent loans to loans | 0.5829% | 3,316 |
| Net loans and leases to total assets | 74.4005% | 1,752 |
| Net loans and leases to deposits | 85.1596% | 2,336 |
| Net loans and leases to core deposits | 95.5744% | 2,015 |
| Total domestic deposits to total assets | 87.3659% | 1,729 |
| Equity capital to assets | 11.9557% | 2,159 |
| Core capital (leverage) ratio | 10.9933% | 2,436 |
| Tier 1 risk-based capital ratio | 13.4586% | 3,935 |
| Total risk-based capital ratio | 14.7189% | 3,836 |
| Memoranda: | ||
| Average total assets | $142,691,330 | 3,659 |
| Average earning assets | $123,305,000 | 3,816 |
| Average equity | $16,558,670 | 3,653 |
| Average total loans | $106,115,670 | 3,305 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6351% | 1,175 |
| Cost of funding earning assets | 0.8172% | 448 |
| Net interest margin | 3.8179% | 2,227 |
| Noninterest income to average assets | 0.4360% | 3,568 |
| Noninterest expense to average assets | 3.0127% | 2,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6875% | 3,772 |
| Return on assets (ROA) | 0.6875% | 3,890 |
| Pretax return on assets | 0.6875% | 4,566 |
| Return on Equity (ROE) | 6.0147% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.0147% | 2,365 |
| Net charge-offs to loans | -0.5954% | 6,007 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4199% | 1,431 |
| Assets per employee ($millions) | 6.3301% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 1,169 |
| Loan loss allowance to noncurrent loans | 268.4736% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.3985% | 640 |
| Noncurrent loans to loans | 0.6675% | 3,172 |
| Net loans and leases to total assets | 70.8399% | 2,215 |
| Net loans and leases to deposits | 80.3406% | 2,746 |
| Net loans and leases to core deposits | 89.4860% | 2,418 |
| Total domestic deposits to total assets | 88.1746% | 1,546 |
| Equity capital to assets | 11.3824% | 2,549 |
| Core capital (leverage) ratio | 10.8736% | 2,544 |
| Tier 1 risk-based capital ratio | 13.4259% | 4,028 |
| Total risk-based capital ratio | 14.6863% | 3,945 |
| Memoranda: | ||
| Average total assets | $143,125,500 | 3,684 |
| Average earning assets | $122,370,000 | 3,862 |
| Average equity | $16,360,000 | 3,684 |
| Average total loans | $105,472,500 | 3,328 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 1,265 |
| Cost of funding earning assets | 0.7884% | 526 |
| Net interest margin | 3.8393% | 2,234 |
| Noninterest income to average assets | 0.2611% | 5,026 |
| Noninterest expense to average assets | 3.2630% | 1,804 |
| Loan and lease loss provision to assets | -0.3063% | 6,065 |
| Net operating income to assets | 0.6892% | 3,867 |
| Return on assets (ROA) | 1.4630% | 959 |
| Pretax return on assets | 1.4630% | 1,673 |
| Return on Equity (ROE) | 13.8425% | 870 |
| Retained earnings to average equity (ytd only) | 13.8425% | 169 |
| Net charge-offs to loans | -0.4650% | 6,077 |
| Credit loss provision to net charge-offs | 85.5397% | 2,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4979% | 719 |
| Assets per employee ($millions) | 6.6980% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 1,532 |
| Loan loss allowance to noncurrent loans | 46.1600% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 5.2240% | 162 |
| Noncurrent loans to loans | 3.5280% | 391 |
| Net loans and leases to total assets | 74.0804% | 1,712 |
| Net loans and leases to deposits | 84.1993% | 2,338 |
| Net loans and leases to core deposits | 94.6653% | 1,977 |
| Total domestic deposits to total assets | 87.9822% | 1,643 |
| Equity capital to assets | 11.4803% | 2,378 |
| Core capital (leverage) ratio | 10.9990% | 2,409 |
| Tier 1 risk-based capital ratio | 13.2788% | 4,117 |
| Total risk-based capital ratio | 14.5376% | 4,062 |
| Memoranda: | ||
| Average total assets | $137,113,200 | 3,767 |
| Average earning assets | $120,880,400 | 3,865 |
| Average equity | $14,491,600 | 3,910 |
| Average total loans | $105,591,000 | 3,290 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 1,280 |
| Cost of funding earning assets | 0.7837% | 544 |
| Net interest margin | 3.8387% | 2,240 |
| Noninterest income to average assets | 0.3514% | 4,428 |
| Noninterest expense to average assets | 3.2083% | 1,948 |
| Loan and lease loss provision to assets | 0.0098% | 4,075 |
| Net operating income to assets | 0.5275% | 4,693 |
| Return on assets (ROA) | 0.5275% | 4,781 |
| Pretax return on assets | 0.5275% | 5,155 |
| Return on Equity (ROE) | 5.1050% | 4,579 |
| Retained earnings to average equity (ytd only) | 5.1050% | 2,842 |
| Net charge-offs to loans | 0.0809% | 2,398 |
| Credit loss provision to net charge-offs | 15.6250% | 3,398 |
| Earnings coverage of net charge-offs (x) | 8.5782% | 2,798 |
| Efficiency ratio | 85.6546% | 1,026 |
| Assets per employee ($millions) | 6.5777% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 2,126 |
| Loan loss allowance to noncurrent loans | 202.5316% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 3.3642% | 400 |
| Noncurrent loans to loans | 0.7446% | 3,099 |
| Net loans and leases to total assets | 75.6543% | 1,438 |
| Net loans and leases to deposits | 85.1153% | 2,265 |
| Net loans and leases to core deposits | 95.6032% | 1,922 |
| Total domestic deposits to total assets | 88.8845% | 1,085 |
| Equity capital to assets | 10.6949% | 3,363 |
| Core capital (leverage) ratio | 10.7275% | 2,790 |
| Tier 1 risk-based capital ratio | 12.8092% | 4,544 |
| Total risk-based capital ratio | 14.0604% | 4,455 |
| Memoranda: | ||
| Average total assets | $136,227,000 | 3,821 |
| Average earning assets | $120,455,000 | 3,913 |
| Average equity | $14,077,500 | 4,000 |
| Average total loans | $105,507,500 | 3,313 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,210 |
| Cost of funding earning assets | 0.7847% | 543 |
| Net interest margin | 3.8470% | 2,149 |
| Noninterest income to average assets | 0.2449% | 5,205 |
| Noninterest expense to average assets | 3.1123% | 2,212 |
| Loan and lease loss provision to assets | 0.0148% | 3,828 |
| Net operating income to assets | 0.5236% | 4,673 |
| Return on assets (ROA) | 0.5236% | 4,773 |
| Pretax return on assets | 0.5236% | 5,166 |
| Return on Equity (ROE) | 5.1280% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.1280% | 2,784 |
| Net charge-offs to loans | 0.1272% | 1,740 |
| Credit loss provision to net charge-offs | 14.9254% | 3,066 |
| Earnings coverage of net charge-offs (x) | 5.4478% | 2,920 |
| Efficiency ratio | 85.2525% | 1,122 |
| Assets per employee ($millions) | 6.8322% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 2,236 |
| Loan loss allowance to noncurrent loans | 151.8061% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 3.3386% | 446 |
| Noncurrent loans to loans | 0.9964% | 2,649 |
| Net loans and leases to total assets | 76.0983% | 1,354 |
| Net loans and leases to deposits | 85.1189% | 2,164 |
| Net loans and leases to core deposits | 95.9997% | 1,801 |
| Total domestic deposits to total assets | 89.4023% | 951 |
| Equity capital to assets | 10.2025% | 3,805 |
| Core capital (leverage) ratio | 10.1626% | 3,385 |
| Tier 1 risk-based capital ratio | 12.1964% | 5,006 |
| Total risk-based capital ratio | 13.4020% | 4,937 |
| Memoranda: | ||
| Average total assets | $135,592,330 | 3,867 |
| Average earning assets | $120,042,330 | 3,942 |
| Average equity | $13,845,670 | 4,074 |
| Average total loans | $105,309,330 | 3,342 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,077 |
| Cost of funding earning assets | 0.7853% | 550 |
| Net interest margin | 3.8896% | 1,933 |
| Noninterest income to average assets | 0.2636% | 5,066 |
| Noninterest expense to average assets | 3.1866% | 2,021 |
| Loan and lease loss provision to assets | 0.0296% | 3,296 |
| Net operating income to assets | 0.4946% | 4,707 |
| Return on assets (ROA) | 0.4946% | 4,829 |
| Pretax return on assets | 0.4946% | 5,191 |
| Return on Equity (ROE) | 4.8413% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.8413% | 3,151 |
| Net charge-offs to loans | 0.2548% | 944 |
| Credit loss provision to net charge-offs | 14.9254% | 2,398 |
| Earnings coverage of net charge-offs (x) | 2.6418% | 2,724 |
| Efficiency ratio | 85.8739% | 1,192 |
| Assets per employee ($millions) | 6.8091% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 2,405 |
| Loan loss allowance to noncurrent loans | 87.3632% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 4.1393% | 358 |
| Noncurrent loans to loans | 1.7288% | 1,581 |
| Net loans and leases to total assets | 76.4734% | 1,141 |
| Net loans and leases to deposits | 85.5602% | 1,891 |
| Net loans and leases to core deposits | 96.6300% | 1,577 |
| Total domestic deposits to total assets | 89.3797% | 1,056 |
| Equity capital to assets | 10.2503% | 3,832 |
| Core capital (leverage) ratio | 10.1069% | 3,463 |
| Tier 1 risk-based capital ratio | 12.2071% | 5,104 |
| Total risk-based capital ratio | 13.4591% | 5,017 |
| Memoranda: | ||
| Average total assets | $135,067,000 | 3,904 |
| Average earning assets | $119,704,000 | 3,982 |
| Average equity | $13,798,000 | 4,106 |
| Average total loans | $105,174,000 | 3,353 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,350 |
| Cost of funding earning assets | 0.9031% | 384 |
| Net interest margin | 3.7793% | 2,694 |
| Noninterest income to average assets | 0.4692% | 3,715 |
| Noninterest expense to average assets | 3.1865% | 2,247 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5366% | 4,654 |
| Return on assets (ROA) | 0.5403% | 4,724 |
| Pretax return on assets | 0.5403% | 5,140 |
| Return on Equity (ROE) | 5.7426% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.7426% | 2,105 |
| Net charge-offs to loans | 0.7086% | 522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.0185% | 4,513 |
| Efficiency ratio | 85.5879% | 1,215 |
| Assets per employee ($millions) | 6.6976% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5811% | 2,152 |
| Loan loss allowance to noncurrent loans | 87.2823% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 4.6547% | 319 |
| Noncurrent loans to loans | 1.8115% | 1,584 |
| Net loans and leases to total assets | 76.8589% | 1,150 |
| Net loans and leases to deposits | 85.9677% | 1,992 |
| Net loans and leases to core deposits | 96.4693% | 1,682 |
| Total domestic deposits to total assets | 89.4044% | 1,013 |
| Equity capital to assets | 10.1805% | 3,880 |
| Core capital (leverage) ratio | 10.2154% | 3,293 |
| Tier 1 risk-based capital ratio | 12.0999% | 5,296 |
| Total risk-based capital ratio | 13.3454% | 5,205 |
| Memoranda: | ||
| Average total assets | $133,627,000 | 3,907 |
| Average earning assets | $115,049,000 | 4,071 |
| Average equity | $12,572,800 | 4,264 |
| Average total loans | $99,347,000 | 3,438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,355 |
| Cost of funding earning assets | 0.9310% | 340 |
| Net interest margin | 3.7487% | 2,821 |
| Noninterest income to average assets | 0.5581% | 3,146 |
| Noninterest expense to average assets | 3.1789% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5791% | 4,546 |
| Return on assets (ROA) | 0.5831% | 4,606 |
| Pretax return on assets | 0.5831% | 5,076 |
| Return on Equity (ROE) | 6.3270% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.3270% | 2,199 |
| Net charge-offs to loans | 0.8691% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.9077% | 4,279 |
| Efficiency ratio | 84.5909% | 1,319 |
| Assets per employee ($millions) | 7.1322% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 1,823 |
| Loan loss allowance to noncurrent loans | 84.0587% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 5.3250% | 299 |
| Noncurrent loans to loans | 2.0820% | 1,507 |
| Net loans and leases to total assets | 71.2149% | 1,987 |
| Net loans and leases to deposits | 79.3325% | 2,795 |
| Net loans and leases to core deposits | 90.1250% | 2,210 |
| Total domestic deposits to total assets | 89.7676% | 837 |
| Equity capital to assets | 9.9210% | 4,270 |
| Core capital (leverage) ratio | 10.0637% | 3,580 |
| Tier 1 risk-based capital ratio | 12.4623% | 5,192 |
| Total risk-based capital ratio | 13.7096% | 5,127 |
| Memoranda: | ||
| Average total assets | $133,545,750 | 3,948 |
| Average earning assets | $113,992,500 | 4,128 |
| Average equity | $12,306,750 | 4,323 |
| Average total loans | $98,031,750 | 3,491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 1,490 |
| Cost of funding earning assets | 0.9530% | 312 |
| Net interest margin | 3.6629% | 3,102 |
| Noninterest income to average assets | 0.7164% | 2,202 |
| Noninterest expense to average assets | 3.1259% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7374% | 3,634 |
| Return on assets (ROA) | 0.7435% | 3,707 |
| Pretax return on assets | 0.7435% | 4,486 |
| Return on Equity (ROE) | 8.2833% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.2833% | 1,216 |
| Net charge-offs to loans | 1.2535% | 243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7980% | 3,968 |
| Efficiency ratio | 80.9116% | 1,893 |
| Assets per employee ($millions) | 7.0923% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 2,054 |
| Loan loss allowance to noncurrent loans | 48.2835% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 6.0184% | 248 |
| Noncurrent loans to loans | 3.5743% | 734 |
| Net loans and leases to total assets | 73.6980% | 1,474 |
| Net loans and leases to deposits | 82.1546% | 2,236 |
| Net loans and leases to core deposits | 94.5162% | 1,736 |
| Total domestic deposits to total assets | 89.7064% | 965 |
| Equity capital to assets | 9.8973% | 4,251 |
| Core capital (leverage) ratio | 10.3211% | 3,184 |
| Tier 1 risk-based capital ratio | 12.2059% | 5,411 |
| Total risk-based capital ratio | 13.4528% | 5,334 |
| Memoranda: | ||
| Average total assets | $132,890,670 | 3,979 |
| Average earning assets | $114,170,670 | 4,142 |
| Average equity | $11,927,670 | 4,408 |
| Average total loans | $97,968,000 | 3,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,301 |
| Cost of funding earning assets | 0.9817% | 297 |
| Net interest margin | 3.7001% | 2,863 |
| Noninterest income to average assets | 0.3759% | 4,381 |
| Noninterest expense to average assets | 3.1767% | 2,305 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3637% | 5,259 |
| Return on assets (ROA) | 0.3304% | 5,442 |
| Pretax return on assets | 0.3304% | 5,651 |
| Return on Equity (ROE) | 3.8849% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.8849% | 3,790 |
| Net charge-offs to loans | 2.5471% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1954% | 3,396 |
| Efficiency ratio | 89.7260% | 1,062 |
| Assets per employee ($millions) | 7.3099% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8424% | 1,922 |
| Loan loss allowance to noncurrent loans | 46.8691% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 8.0165% | 164 |
| Noncurrent loans to loans | 3.9309% | 690 |
| Net loans and leases to total assets | 70.6169% | 1,785 |
| Net loans and leases to deposits | 77.6508% | 2,613 |
| Net loans and leases to core deposits | 90.8235% | 1,843 |
| Total domestic deposits to total assets | 90.9416% | 595 |
| Equity capital to assets | 8.5956% | 5,552 |
| Core capital (leverage) ratio | 8.8013% | 5,266 |
| Tier 1 risk-based capital ratio | 10.8352% | 6,226 |
| Total risk-based capital ratio | 12.0816% | 6,176 |
| Memoranda: | ||
| Average total assets | $131,959,000 | 4,031 |
| Average earning assets | $112,860,500 | 4,200 |
| Average equity | $11,223,000 | 4,566 |
| Average total loans | $96,424,500 | 3,545 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8298% | 218 |
| Cost of funding earning assets | 1.2282% | 153 |
| Net interest margin | 4.6017% | 611 |
| Noninterest income to average assets | 0.0935% | 6,411 |
| Noninterest expense to average assets | 3.1811% | 2,479 |
| Loan and lease loss provision to assets | 0.8148% | 256 |
| Net operating income to assets | 0.0870% | 6,076 |
| Return on assets (ROA) | 0.0767% | 6,135 |
| Pretax return on assets | 0.0767% | 6,117 |
| Return on Equity (ROE) | 0.9021% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.9021% | 5,431 |
| Net charge-offs to loans | 0.8134% | 767 |
| Credit loss provision to net charge-offs | 138.6816% | 1,680 |
| Earnings coverage of net charge-offs (x) | 1.5348% | 4,545 |
| Efficiency ratio | 77.9130% | 2,485 |
| Assets per employee ($millions) | 7.3522% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4015% | 930 |
| Loan loss allowance to noncurrent loans | 55.1321% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 7.9228% | 193 |
| Noncurrent loans to loans | 4.3559% | 622 |
| Net loans and leases to total assets | 72.4125% | 1,612 |
| Net loans and leases to deposits | 79.5012% | 2,522 |
| Net loans and leases to core deposits | 92.8918% | 1,685 |
| Total domestic deposits to total assets | 91.0835% | 542 |
| Equity capital to assets | 8.4148% | 5,676 |
| Core capital (leverage) ratio | 8.6057% | 5,533 |
| Tier 1 risk-based capital ratio | 10.3732% | 6,410 |
| Total risk-based capital ratio | 11.6092% | 6,371 |
| Memoranda: | ||
| Average total assets | $136,841,400 | 3,939 |
| Average earning assets | $118,631,000 | 4,072 |
| Average equity | $11,639,400 | 4,521 |
| Average total loans | $98,838,800 | 3,475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1831% | 132 |
| Cost of funding earning assets | 1.2638% | 148 |
| Net interest margin | 4.9193% | 359 |
| Noninterest income to average assets | 0.1730% | 6,151 |
| Noninterest expense to average assets | 3.1224% | 2,587 |
| Loan and lease loss provision to assets | 0.6571% | 336 |
| Net operating income to assets | 0.6591% | 4,074 |
| Return on assets (ROA) | 0.6455% | 4,267 |
| Pretax return on assets | 0.6455% | 4,864 |
| Return on Equity (ROE) | 7.5701% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.5701% | 1,606 |
| Net charge-offs to loans | 1.0693% | 530 |
| Credit loss provision to net charge-offs | 85.6423% | 2,720 |
| Earnings coverage of net charge-offs (x) | 1.7154% | 4,268 |
| Efficiency ratio | 70.3462% | 3,698 |
| Assets per employee ($millions) | 7.5241% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 1,815 |
| Loan loss allowance to noncurrent loans | 31.3392% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 8.3162% | 213 |
| Noncurrent loans to loans | 6.2678% | 381 |
| Net loans and leases to total assets | 71.2332% | 1,741 |
| Net loans and leases to deposits | 78.1938% | 2,631 |
| Net loans and leases to core deposits | 93.4337% | 1,626 |
| Total domestic deposits to total assets | 91.0982% | 490 |
| Equity capital to assets | 8.5946% | 5,629 |
| Core capital (leverage) ratio | 8.7782% | 5,444 |
| Tier 1 risk-based capital ratio | 10.9111% | 6,316 |
| Total risk-based capital ratio | 12.1417% | 6,291 |
| Memoranda: | ||
| Average total assets | $137,967,000 | 3,950 |
| Average earning assets | $119,635,000 | 4,101 |
| Average equity | $11,765,250 | 4,545 |
| Average total loans | $99,001,500 | 3,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9091% | 64 |
| Cost of funding earning assets | 1.3487% | 113 |
| Net interest margin | 5.5604% | 126 |
| Noninterest income to average assets | 0.4049% | 4,489 |
| Noninterest expense to average assets | 3.0473% | 2,848 |
| Loan and lease loss provision to assets | 0.4928% | 564 |
| Net operating income to assets | 1.7059% | 616 |
| Return on assets (ROA) | 1.7131% | 664 |
| Pretax return on assets | 1.7131% | 1,086 |
| Return on Equity (ROE) | 20.1406% | 291 |
| Retained earnings to average equity (ytd only) | 20.1406% | 85 |
| Net charge-offs to loans | 0.5645% | 1,167 |
| Credit loss provision to net charge-offs | 122.1429% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.4500% | 2,894 |
| Efficiency ratio | 58.0884% | 5,722 |
| Assets per employee ($millions) | 7.5813% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1207% | 1,584 |
| Loan loss allowance to noncurrent loans | 30.6853% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 8.3744% | 226 |
| Noncurrent loans to loans | 6.9111% | 359 |
| Net loans and leases to total assets | 71.3307% | 1,670 |
| Net loans and leases to deposits | 78.7171% | 2,493 |
| Net loans and leases to core deposits | 95.6847% | 1,383 |
| Total domestic deposits to total assets | 90.6165% | 698 |
| Equity capital to assets | 9.0596% | 5,156 |
| Core capital (leverage) ratio | 9.3064% | 4,531 |
| Tier 1 risk-based capital ratio | 11.1367% | 6,274 |
| Total risk-based capital ratio | 12.3567% | 6,264 |
| Memoranda: | ||
| Average total assets | $138,811,330 | 3,974 |
| Average earning assets | $120,854,670 | 4,106 |
| Average equity | $11,807,000 | 4,571 |
| Average total loans | $99,199,670 | 3,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9828% | 174 |
| Cost of funding earning assets | 1.3789% | 111 |
| Net interest margin | 4.6039% | 555 |
| Noninterest income to average assets | 0.1800% | 6,187 |
| Noninterest expense to average assets | 2.7517% | 3,864 |
| Loan and lease loss provision to assets | 0.3143% | 1,083 |
| Net operating income to assets | 1.1115% | 1,809 |
| Return on assets (ROA) | 1.1258% | 1,879 |
| Pretax return on assets | 1.1258% | 2,860 |
| Return on Equity (ROE) | 13.6699% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.6699% | 481 |
| Net charge-offs to loans | 0.1938% | 2,251 |
| Credit loss provision to net charge-offs | 229.1667% | 993 |
| Earnings coverage of net charge-offs (x) | 10.3958% | 1,749 |
| Efficiency ratio | 65.8687% | 4,686 |
| Assets per employee ($millions) | 7.3249% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1406% | 1,707 |
| Loan loss allowance to noncurrent loans | 26.5383% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 9.0693% | 243 |
| Noncurrent loans to loans | 8.0661% | 322 |
| Net loans and leases to total assets | 69.2771% | 1,784 |
| Net loans and leases to deposits | 77.1172% | 2,472 |
| Net loans and leases to core deposits | 95.3160% | 1,244 |
| Total domestic deposits to total assets | 89.8335% | 1,146 |
| Equity capital to assets | 8.4391% | 6,070 |
| Core capital (leverage) ratio | 8.5682% | 5,482 |
| Tier 1 risk-based capital ratio | 10.4058% | 6,603 |
| Total risk-based capital ratio | 11.6226% | 6,600 |
| Memoranda: | ||
| Average total assets | $139,985,500 | 3,986 |
| Average earning assets | $121,548,500 | 4,126 |
| Average equity | $11,529,000 | 4,666 |
| Average total loans | $99,075,000 | 3,532 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9913% | 1,582 |
| Cost of funding earning assets | 1.6661% | 84 |
| Net interest margin | 3.3252% | 5,161 |
| Noninterest income to average assets | 0.0652% | 6,638 |
| Noninterest expense to average assets | 3.4803% | 1,861 |
| Loan and lease loss provision to assets | 1.9722% | 109 |
| Net operating income to assets | -2.5353% | 6,980 |
| Return on assets (ROA) | -2.4613% | 6,976 |
| Pretax return on assets | -2.4307% | 6,973 |
| Return on Equity (ROE) | -27.1744% | 6,941 |
| Retained earnings to average equity (ytd only) | -27.1744% | 6,916 |
| Net charge-offs to loans | 3.8087% | 85 |
| Credit loss provision to net charge-offs | 74.3216% | 4,032 |
| Earnings coverage of net charge-offs (x) | -0.2007% | 5,574 |
| Efficiency ratio | 118.0687% | 228 |
| Assets per employee ($millions) | 7.4104% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 1,876 |
| Loan loss allowance to noncurrent loans | 22.8817% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 9.1067% | 263 |
| Noncurrent loans to loans | 8.9796% | 292 |
| Net loans and leases to total assets | 69.3043% | 1,973 |
| Net loans and leases to deposits | 76.8024% | 2,683 |
| Net loans and leases to core deposits | 95.7474% | 1,327 |
| Total domestic deposits to total assets | 90.2371% | 830 |
| Equity capital to assets | 8.0349% | 6,386 |
| Core capital (leverage) ratio | 7.9586% | 6,232 |
| Tier 1 risk-based capital ratio | 9.9537% | 6,715 |
| Total risk-based capital ratio | 11.1693% | 6,688 |
| Memoranda: | ||
| Average total assets | $147,199,600 | 3,824 |
| Average earning assets | $127,602,000 | 3,956 |
| Average equity | $13,332,400 | 4,290 |
| Average total loans | $102,555,400 | 3,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 2,876 |
| Cost of funding earning assets | 1.6621% | 99 |
| Net interest margin | 3.0204% | 6,128 |
| Noninterest income to average assets | 0.1308% | 6,483 |
| Noninterest expense to average assets | 2.6326% | 4,629 |
| Loan and lease loss provision to assets | 2.0636% | 107 |
| Net operating income to assets | -2.0098% | 7,036 |
| Return on assets (ROA) | -1.9372% | 7,042 |
| Pretax return on assets | -1.8826% | 7,017 |
| Return on Equity (ROE) | -20.8321% | 7,000 |
| Retained earnings to average equity (ytd only) | -20.8321% | 6,985 |
| Net charge-offs to loans | 1.5439% | 551 |
| Credit loss provision to net charge-offs | 192.5585% | 1,441 |
| Earnings coverage of net charge-offs (x) | 0.1012% | 5,288 |
| Efficiency ratio | 96.0445% | 674 |
| Assets per employee ($millions) | 7.2896% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2009% | 263 |
| Loan loss allowance to noncurrent loans | 38.5622% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 11.3449% | 181 |
| Noncurrent loans to loans | 10.8940% | 208 |
| Net loans and leases to total assets | 65.0221% | 2,834 |
| Net loans and leases to deposits | 72.2940% | 3,565 |
| Net loans and leases to core deposits | 94.5681% | 1,523 |
| Total domestic deposits to total assets | 89.9411% | 883 |
| Equity capital to assets | 8.5073% | 6,253 |
| Core capital (leverage) ratio | 7.8133% | 6,459 |
| Tier 1 risk-based capital ratio | 9.8332% | 6,837 |
| Total risk-based capital ratio | 11.0375% | 6,832 |
| Memoranda: | ||
| Average total assets | $148,800,000 | 3,840 |
| Average earning assets | $128,590,250 | 3,968 |
| Average equity | $13,837,250 | 4,228 |
| Average total loans | $103,287,750 | 3,475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 2,861 |
| Cost of funding earning assets | 1.6545% | 122 |
| Net interest margin | 3.0602% | 6,103 |
| Noninterest income to average assets | 0.1175% | 6,597 |
| Noninterest expense to average assets | 2.6982% | 4,436 |
| Loan and lease loss provision to assets | 0.2697% | 2,429 |
| Net operating income to assets | -0.2563% | 6,584 |
| Return on assets (ROA) | -0.1482% | 6,579 |
| Pretax return on assets | -0.0828% | 6,508 |
| Return on Equity (ROE) | -1.5508% | 6,586 |
| Retained earnings to average equity (ytd only) | -1.5508% | 6,297 |
| Net charge-offs to loans | 0.4392% | 2,286 |
| Credit loss provision to net charge-offs | 87.8261% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 4,949 |
| Efficiency ratio | 97.1635% | 648 |
| Assets per employee ($millions) | 7.5351% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9192% | 853 |
| Loan loss allowance to noncurrent loans | 19.0290% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 13.4504% | 133 |
| Noncurrent loans to loans | 15.3407% | 95 |
| Net loans and leases to total assets | 66.6879% | 2,528 |
| Net loans and leases to deposits | 74.9279% | 3,137 |
| Net loans and leases to core deposits | 83.3893% | 2,770 |
| Total domestic deposits to total assets | 89.0028% | 1,504 |
| Equity capital to assets | 9.4458% | 5,137 |
| Core capital (leverage) ratio | 9.0922% | 4,769 |
| Tier 1 risk-based capital ratio | 11.3393% | 6,320 |
| Total risk-based capital ratio | 12.5371% | 6,324 |
| Memoranda: | ||
| Average total assets | $149,802,670 | 3,841 |
| Average earning assets | $130,188,000 | 3,955 |
| Average equity | $14,315,330 | 4,136 |
| Average total loans | $104,732,330 | 3,463 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 2,856 |
| Cost of funding earning assets | 1.6598% | 143 |
| Net interest margin | 3.0874% | 6,089 |
| Noninterest income to average assets | 0.1045% | 6,718 |
| Noninterest expense to average assets | 2.7398% | 4,283 |
| Loan and lease loss provision to assets | 0.2062% | 2,889 |
| Net operating income to assets | -0.1794% | 6,610 |
| Return on assets (ROA) | -0.1794% | 6,668 |
| Pretax return on assets | -0.1366% | 6,623 |
| Return on Equity (ROE) | -1.8669% | 6,676 |
| Retained earnings to average equity (ytd only) | -1.8669% | 6,264 |
| Net charge-offs to loans | 0.8734% | 1,174 |
| Credit loss provision to net charge-offs | 33.4783% | 3,563 |
| Earnings coverage of net charge-offs (x) | 0.1130% | 4,311 |
| Efficiency ratio | 97.5214% | 655 |
| Assets per employee ($millions) | 7.1920% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7725% | 1,032 |
| Loan loss allowance to noncurrent loans | 18.7727% | 6,602 |
| Noncurrent assets plus other real estate owned to assets | 13.1238% | 161 |
| Noncurrent loans to loans | 14.7687% | 128 |
| Net loans and leases to total assets | 67.2670% | 2,237 |
| Net loans and leases to deposits | 75.6319% | 2,856 |
| Net loans and leases to core deposits | 83.4537% | 2,611 |
| Total domestic deposits to total assets | 88.9400% | 1,735 |
| Equity capital to assets | 9.5259% | 4,762 |
| Core capital (leverage) ratio | 9.1461% | 4,613 |
| Tier 1 risk-based capital ratio | 11.4792% | 6,294 |
| Total risk-based capital ratio | 12.6825% | 6,302 |
| Memoranda: | ||
| Average total assets | $149,353,000 | 3,882 |
| Average earning assets | $130,856,500 | 3,972 |
| Average equity | $14,355,500 | 4,122 |
| Average total loans | $105,337,500 | 3,474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1403% | 2,287 |
| Cost of funding earning assets | 1.9956% | 102 |
| Net interest margin | 3.1447% | 6,233 |
| Noninterest income to average assets | -0.0133% | 7,021 |
| Noninterest expense to average assets | 2.8003% | 4,343 |
| Loan and lease loss provision to assets | 0.7329% | 1,385 |
| Net operating income to assets | -0.5183% | 6,502 |
| Return on assets (ROA) | -0.5100% | 6,540 |
| Pretax return on assets | -0.6553% | 6,575 |
| Return on Equity (ROE) | -5.1734% | 6,537 |
| Retained earnings to average equity (ytd only) | -5.1734% | 6,459 |
| Net charge-offs to loans | 0.1719% | 4,778 |
| Credit loss provision to net charge-offs | 594.0860% | 384 |
| Earnings coverage of net charge-offs (x) | 0.5430% | 5,420 |
| Efficiency ratio | 97.6637% | 741 |
| Assets per employee ($millions) | 7.0321% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8724% | 911 |
| Loan loss allowance to noncurrent loans | 24.1240% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 11.5023% | 243 |
| Noncurrent loans to loans | 11.9067% | 224 |
| Net loans and leases to total assets | 69.8385% | 2,063 |
| Net loans and leases to deposits | 78.8354% | 2,704 |
| Net loans and leases to core deposits | 87.2125% | 2,475 |
| Total domestic deposits to total assets | 88.5878% | 1,792 |
| Equity capital to assets | 9.6997% | 4,593 |
| Core capital (leverage) ratio | 9.4746% | 4,068 |
| Tier 1 risk-based capital ratio | 11.7917% | 5,962 |
| Total risk-based capital ratio | 13.0187% | 5,963 |
| Memoranda: | ||
| Average total assets | $150,769,600 | 3,783 |
| Average earning assets | $138,103,600 | 3,784 |
| Average equity | $14,864,400 | 3,936 |
| Average total loans | $108,231,600 | 3,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1829% | 2,272 |
| Cost of funding earning assets | 2.0983% | 78 |
| Net interest margin | 3.0846% | 6,417 |
| Noninterest income to average assets | 0.0370% | 6,995 |
| Noninterest expense to average assets | 2.5180% | 5,406 |
| Loan and lease loss provision to assets | 0.4663% | 2,121 |
| Net operating income to assets | -0.3308% | 6,530 |
| Return on assets (ROA) | -0.3167% | 6,568 |
| Pretax return on assets | -0.1073% | 6,340 |
| Return on Equity (ROE) | -3.2000% | 6,573 |
| Retained earnings to average equity (ytd only) | -3.2000% | 6,439 |
| Net charge-offs to loans | 0.2281% | 4,011 |
| Credit loss provision to net charge-offs | 284.9462% | 1,003 |
| Earnings coverage of net charge-offs (x) | 2.1075% | 4,090 |
| Efficiency ratio | 87.9533% | 1,350 |
| Assets per employee ($millions) | 6.9281% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2942% | 1,695 |
| Loan loss allowance to noncurrent loans | 22.3618% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 11.1478% | 281 |
| Noncurrent loans to loans | 10.2596% | 340 |
| Net loans and leases to total assets | 72.4471% | 1,621 |
| Net loans and leases to deposits | 82.3771% | 2,286 |
| Net loans and leases to core deposits | 91.1106% | 2,106 |
| Total domestic deposits to total assets | 87.9456% | 2,063 |
| Equity capital to assets | 10.1993% | 4,088 |
| Core capital (leverage) ratio | 9.7117% | 3,828 |
| Tier 1 risk-based capital ratio | 12.3607% | 5,612 |
| Total risk-based capital ratio | 13.5820% | 5,628 |
| Memoranda: | ||
| Average total assets | $151,543,250 | 3,800 |
| Average earning assets | $138,837,750 | 3,787 |
| Average equity | $14,999,500 | 3,924 |
| Average total loans | $108,743,500 | 3,446 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 2,320 |
| Cost of funding earning assets | 2.2353% | 66 |
| Net interest margin | 2.9501% | 6,692 |
| Noninterest income to average assets | 0.0274% | 7,125 |
| Noninterest expense to average assets | 2.3079% | 6,100 |
| Loan and lease loss provision to assets | 0.5340% | 1,824 |
| Net operating income to assets | -0.3621% | 6,586 |
| Return on assets (ROA) | -0.3621% | 6,616 |
| Pretax return on assets | -0.1107% | 6,377 |
| Return on Equity (ROE) | -3.6936% | 6,637 |
| Retained earnings to average equity (ytd only) | -3.6936% | 6,445 |
| Net charge-offs to loans | 0.3412% | 3,198 |
| Credit loss provision to net charge-offs | 220.4301% | 1,358 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 3,992 |
| Efficiency ratio | 84.5017% | 1,760 |
| Assets per employee ($millions) | 7.2456% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1740% | 1,970 |
| Loan loss allowance to noncurrent loans | 21.5049% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 10.6811% | 341 |
| Noncurrent loans to loans | 10.1093% | 377 |
| Net loans and leases to total assets | 69.6458% | 2,289 |
| Net loans and leases to deposits | 78.7391% | 3,002 |
| Net loans and leases to core deposits | 87.6438% | 2,684 |
| Total domestic deposits to total assets | 88.4514% | 1,880 |
| Equity capital to assets | 9.8208% | 4,367 |
| Core capital (leverage) ratio | 9.6235% | 3,776 |
| Tier 1 risk-based capital ratio | 12.1687% | 5,643 |
| Total risk-based capital ratio | 13.3847% | 5,655 |
| Memoranda: | ||
| Average total assets | $153,560,670 | 3,789 |
| Average earning assets | $140,742,670 | 3,782 |
| Average equity | $15,053,000 | 3,895 |
| Average total loans | $109,031,670 | 3,480 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 3,118 |
| Cost of funding earning assets | 2.6329% | 28 |
| Net interest margin | 2.3640% | 7,273 |
| Noninterest income to average assets | -0.0078% | 7,318 |
| Noninterest expense to average assets | 2.0640% | 6,707 |
| Loan and lease loss provision to assets | 0.5186% | 1,675 |
| Net operating income to assets | -0.8790% | 6,997 |
| Return on assets (ROA) | -0.8790% | 7,000 |
| Pretax return on assets | -0.4252% | 6,708 |
| Return on Equity (ROE) | -8.9754% | 6,997 |
| Retained earnings to average equity (ytd only) | -8.9754% | 6,819 |
| Net charge-offs to loans | -0.0146% | 6,470 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6731% | 938 |
| Assets per employee ($millions) | 7.3902% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 2,156 |
| Loan loss allowance to noncurrent loans | 19.9607% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 10.6125% | 361 |
| Noncurrent loans to loans | 10.5874% | 358 |
| Net loans and leases to total assets | 69.6902% | 2,184 |
| Net loans and leases to deposits | 78.6273% | 2,954 |
| Net loans and leases to core deposits | 87.1550% | 2,710 |
| Total domestic deposits to total assets | 88.6336% | 1,998 |
| Equity capital to assets | 9.6254% | 4,283 |
| Core capital (leverage) ratio | 9.4991% | 3,811 |
| Tier 1 risk-based capital ratio | 11.9482% | 5,742 |
| Total risk-based capital ratio | 13.1678% | 5,755 |
| Memoranda: | ||
| Average total assets | $154,262,500 | 3,805 |
| Average earning assets | $141,287,000 | 3,796 |
| Average equity | $15,108,000 | 3,883 |
| Average total loans | $109,384,500 | 3,513 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7600% | 1,380 |
| Cost of funding earning assets | 2.3560% | 180 |
| Net interest margin | 3.4040% | 5,619 |
| Noninterest income to average assets | -0.0178% | 7,318 |
| Noninterest expense to average assets | 2.3700% | 6,167 |
| Loan and lease loss provision to assets | 0.6166% | 2,671 |
| Net operating income to assets | 0.3960% | 4,555 |
| Return on assets (ROA) | 0.3844% | 4,763 |
| Pretax return on assets | 0.0685% | 5,763 |
| Return on Equity (ROE) | 3.7776% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.7776% | 3,219 |
| Net charge-offs to loans | 0.2521% | 4,777 |
| Credit loss provision to net charge-offs | 332.1033% | 777 |
| Earnings coverage of net charge-offs (x) | 3.7528% | 3,208 |
| Efficiency ratio | 77.2788% | 2,832 |
| Assets per employee ($millions) | 7.3015% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,382 |
| Loan loss allowance to noncurrent loans | 20.7336% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 9.9452% | 415 |
| Noncurrent loans to loans | 9.4921% | 463 |
| Net loans and leases to total assets | 69.2280% | 2,717 |
| Net loans and leases to deposits | 77.8302% | 3,537 |
| Net loans and leases to core deposits | 86.5906% | 3,242 |
| Total domestic deposits to total assets | 88.9474% | 1,688 |
| Equity capital to assets | 9.9641% | 3,789 |
| Core capital (leverage) ratio | 9.8168% | 3,297 |
| Tier 1 risk-based capital ratio | 12.3099% | 5,197 |
| Total risk-based capital ratio | 13.5200% | 5,202 |
| Memoranda: | ||
| Average total assets | $145,951,000 | 3,948 |
| Average earning assets | $132,256,600 | 3,967 |
| Average equity | $14,850,600 | 3,966 |
| Average total loans | $107,513,800 | 3,604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9457% | 1,042 |
| Cost of funding earning assets | 2.4071% | 199 |
| Net interest margin | 3.5386% | 5,148 |
| Noninterest income to average assets | 0.0370% | 7,335 |
| Noninterest expense to average assets | 2.1900% | 6,631 |
| Loan and lease loss provision to assets | 0.4302% | 3,327 |
| Net operating income to assets | 0.6199% | 3,795 |
| Return on assets (ROA) | 0.6042% | 4,020 |
| Pretax return on assets | 0.6042% | 4,582 |
| Return on Equity (ROE) | 5.9051% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.9051% | 2,416 |
| Net charge-offs to loans | 0.2149% | 4,650 |
| Credit loss provision to net charge-offs | 268.7861% | 1,223 |
| Earnings coverage of net charge-offs (x) | 6.5607% | 2,498 |
| Efficiency ratio | 67.5899% | 4,544 |
| Assets per employee ($millions) | 7.1930% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6724% | 3,243 |
| Loan loss allowance to noncurrent loans | 18.5426% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 10.1329% | 400 |
| Noncurrent loans to loans | 9.0193% | 534 |
| Net loans and leases to total assets | 69.8271% | 2,771 |
| Net loans and leases to deposits | 78.7763% | 3,675 |
| Net loans and leases to core deposits | 87.5167% | 3,446 |
| Total domestic deposits to total assets | 88.6397% | 1,599 |
| Equity capital to assets | 10.3090% | 3,754 |
| Core capital (leverage) ratio | 9.8603% | 3,417 |
| Tier 1 risk-based capital ratio | 12.8729% | 4,670 |
| Total risk-based capital ratio | 14.1261% | 4,661 |
| Memoranda: | ||
| Average total assets | $144,106,000 | 4,034 |
| Average earning assets | $130,443,250 | 4,055 |
| Average equity | $14,743,750 | 4,048 |
| Average total loans | $107,322,500 | 3,655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2338% | 587 |
| Cost of funding earning assets | 2.4513% | 207 |
| Net interest margin | 3.7825% | 3,979 |
| Noninterest income to average assets | 0.0395% | 7,386 |
| Noninterest expense to average assets | 2.1680% | 6,724 |
| Loan and lease loss provision to assets | 0.2892% | 4,075 |
| Net operating income to assets | 0.9930% | 2,229 |
| Return on assets (ROA) | 0.9930% | 2,304 |
| Pretax return on assets | 0.9930% | 3,144 |
| Return on Equity (ROE) | 9.7320% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.7320% | 905 |
| Net charge-offs to loans | -0.0056% | 7,122 |
| Credit loss provision to net charge-offs | -6,833.3333% | 7,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8373% | 5,550 |
| Assets per employee ($millions) | 7.4419% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5935% | 3,476 |
| Loan loss allowance to noncurrent loans | 63.9731% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 4.3027% | 1,551 |
| Noncurrent loans to loans | 2.4909% | 3,162 |
| Net loans and leases to total assets | 70.9514% | 2,672 |
| Net loans and leases to deposits | 80.2959% | 3,551 |
| Net loans and leases to core deposits | 89.7953% | 3,302 |
| Total domestic deposits to total assets | 88.3624% | 1,798 |
| Equity capital to assets | 10.3415% | 3,591 |
| Core capital (leverage) ratio | 10.5266% | 2,608 |
| Tier 1 risk-based capital ratio | 13.2132% | 4,279 |
| Total risk-based capital ratio | 14.4662% | 4,233 |
| Memoranda: | ||
| Average total assets | $141,790,330 | 4,100 |
| Average earning assets | $127,852,000 | 4,140 |
| Average equity | $14,467,670 | 4,096 |
| Average total loans | $107,340,000 | 3,688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3817% | 455 |
| Cost of funding earning assets | 2.5848% | 171 |
| Net interest margin | 3.7969% | 3,810 |
| Noninterest income to average assets | 0.0434% | 7,494 |
| Noninterest expense to average assets | 2.1495% | 6,807 |
| Loan and lease loss provision to assets | 0.3038% | 3,610 |
| Net operating income to assets | 1.0067% | 2,154 |
| Return on assets (ROA) | 1.0067% | 2,220 |
| Pretax return on assets | 1.0067% | 3,069 |
| Return on Equity (ROE) | 9.9390% | 2,125 |
| Retained earnings to average equity (ytd only) | 9.9390% | 1,154 |
| Net charge-offs to loans | -0.0112% | 6,916 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1237% | 5,809 |
| Assets per employee ($millions) | 7.4481% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,924 |
| Loan loss allowance to noncurrent loans | 29.5304% | 6,430 |
| Noncurrent assets plus other real estate owned to assets | 4.0215% | 1,708 |
| Noncurrent loans to loans | 5.0712% | 1,416 |
| Net loans and leases to total assets | 74.8334% | 1,781 |
| Net loans and leases to deposits | 84.5197% | 2,849 |
| Net loans and leases to core deposits | 96.2674% | 2,557 |
| Total domestic deposits to total assets | 88.5396% | 1,767 |
| Equity capital to assets | 10.1722% | 3,638 |
| Core capital (leverage) ratio | 9.9039% | 3,282 |
| Tier 1 risk-based capital ratio | 12.4177% | 4,822 |
| Total risk-based capital ratio | 13.6695% | 4,768 |
| Memoranda: | ||
| Average total assets | $138,267,000 | 4,223 |
| Average earning assets | $124,418,500 | 4,272 |
| Average equity | $14,005,500 | 4,243 |
| Average total loans | $107,354,000 | 3,747 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5287% | 633 |
| Cost of funding earning assets | 3.0264% | 214 |
| Net interest margin | 3.5023% | 4,946 |
| Noninterest income to average assets | 0.0420% | 7,539 |
| Noninterest expense to average assets | 2.3931% | 6,488 |
| Loan and lease loss provision to assets | 0.6991% | 3,025 |
| Net operating income to assets | 0.1435% | 5,070 |
| Return on assets (ROA) | 0.1435% | 5,139 |
| Pretax return on assets | 0.1435% | 5,127 |
| Return on Equity (ROE) | 1.2543% | 5,154 |
| Retained earnings to average equity (ytd only) | 1.2543% | 4,162 |
| Net charge-offs to loans | 0.1091% | 6,065 |
| Credit loss provision to net charge-offs | 823.7113% | 354 |
| Earnings coverage of net charge-offs (x) | 9.9278% | 1,743 |
| Efficiency ratio | 73.9589% | 3,905 |
| Assets per employee ($millions) | 7.1064% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,231 |
| Loan loss allowance to noncurrent loans | 27.4038% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 4.0594% | 1,628 |
| Noncurrent loans to loans | 5.1129% | 1,306 |
| Net loans and leases to total assets | 78.2819% | 1,325 |
| Net loans and leases to deposits | 88.3917% | 2,490 |
| Net loans and leases to core deposits | 111.8073% | 2,716 |
| Total domestic deposits to total assets | 88.5625% | 1,696 |
| Equity capital to assets | 10.0844% | 3,639 |
| Core capital (leverage) ratio | 10.2113% | 2,872 |
| Tier 1 risk-based capital ratio | 12.1892% | 4,782 |
| Total risk-based capital ratio | 13.4401% | 4,738 |
| Memoranda: | ||
| Average total assets | $114,284,800 | 4,713 |
| Average earning assets | $104,216,600 | 4,719 |
| Average equity | $13,075,200 | 4,494 |
| Average total loans | $88,871,800 | 4,244 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5749% | 645 |
| Cost of funding earning assets | 3.0824% | 255 |
| Net interest margin | 3.4924% | 4,891 |
| Noninterest income to average assets | 0.0440% | 7,670 |
| Noninterest expense to average assets | 2.4002% | 6,419 |
| Loan and lease loss provision to assets | 0.8542% | 2,245 |
| Net operating income to assets | -0.0147% | 5,733 |
| Return on assets (ROA) | -0.0147% | 5,795 |
| Pretax return on assets | -0.0147% | 5,730 |
| Return on Equity (ROE) | -0.1236% | 5,794 |
| Retained earnings to average equity (ytd only) | -0.1236% | 5,236 |
| Net charge-offs to loans | 0.0997% | 5,677 |
| Credit loss provision to net charge-offs | 1,109.5238% | 340 |
| Earnings coverage of net charge-offs (x) | 10.9045% | 1,903 |
| Efficiency ratio | 74.0853% | 3,849 |
| Assets per employee ($millions) | 6.7694% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4797% | 3,551 |
| Loan loss allowance to noncurrent loans | 38.4883% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 2.9008% | 2,390 |
| Noncurrent loans to loans | 3.8446% | 1,931 |
| Net loans and leases to total assets | 74.3343% | 2,435 |
| Net loans and leases to deposits | 83.1381% | 3,804 |
| Net loans and leases to core deposits | 106.7602% | 3,615 |
| Total domestic deposits to total assets | 89.4106% | 1,012 |
| Equity capital to assets | 10.3849% | 3,638 |
| Core capital (leverage) ratio | 10.8974% | 2,478 |
| Tier 1 risk-based capital ratio | 13.0821% | 4,134 |
| Total risk-based capital ratio | 14.3238% | 4,075 |
| Memoranda: | ||
| Average total assets | $109,100,750 | 4,881 |
| Average earning assets | $99,832,250 | 4,867 |
| Average equity | $12,940,000 | 4,558 |
| Average total loans | $84,290,000 | 4,413 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3999% | 1,015 |
| Cost of funding earning assets | 3.1478% | 307 |
| Net interest margin | 3.2522% | 5,726 |
| Noninterest income to average assets | 0.0409% | 7,785 |
| Noninterest expense to average assets | 2.5693% | 5,861 |
| Loan and lease loss provision to assets | 0.3977% | 3,533 |
| Net operating income to assets | 0.0487% | 5,710 |
| Return on assets (ROA) | 0.0487% | 5,798 |
| Pretax return on assets | 0.0487% | 5,782 |
| Return on Equity (ROE) | 0.3906% | 5,815 |
| Retained earnings to average equity (ytd only) | 0.3906% | 5,061 |
| Net charge-offs to loans | 0.1574% | 4,621 |
| Credit loss provision to net charge-offs | 323.8095% | 1,444 |
| Earnings coverage of net charge-offs (x) | 3.6349% | 3,364 |
| Efficiency ratio | 85.1972% | 2,333 |
| Assets per employee ($millions) | 7.2337% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 5,893 |
| Loan loss allowance to noncurrent loans | 393.7238% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 6,989 |
| Noncurrent loans to loans | 0.2673% | 6,860 |
| Net loans and leases to total assets | 76.4522% | 2,064 |
| Net loans and leases to deposits | 86.3277% | 3,489 |
| Net loans and leases to core deposits | 109.9152% | 3,381 |
| Total domestic deposits to total assets | 88.5605% | 1,501 |
| Equity capital to assets | 11.1475% | 2,796 |
| Core capital (leverage) ratio | 12.2218% | 1,737 |
| Tier 1 risk-based capital ratio | 14.2961% | 3,358 |
| Total risk-based capital ratio | 15.2985% | 3,432 |
| Memoranda: | ||
| Average total assets | $102,594,670 | 5,086 |
| Average earning assets | $93,844,670 | 5,072 |
| Average equity | $12,801,000 | 4,596 |
| Average total loans | $80,038,670 | 4,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 2,919 |
| Cost of funding earning assets | 3.2381% | 310 |
| Net interest margin | 2.6352% | 7,320 |
| Noninterest income to average assets | 0.0250% | 7,957 |
| Noninterest expense to average assets | 2.6161% | 5,385 |
| Loan and lease loss provision to assets | 0.3624% | 3,148 |
| Net operating income to assets | -0.5499% | 6,923 |
| Return on assets (ROA) | -0.5499% | 6,971 |
| Pretax return on assets | -0.5499% | 6,857 |
| Return on Equity (ROE) | -4.1410% | 6,901 |
| Retained earnings to average equity (ytd only) | -4.1410% | 6,442 |
| Net charge-offs to loans | 0.3345% | 2,755 |
| Credit loss provision to net charge-offs | 138.0952% | 2,940 |
| Earnings coverage of net charge-offs (x) | -0.7143% | 5,307 |
| Efficiency ratio | 107.7187% | 873 |
| Assets per employee ($millions) | 5.9745% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 5,959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.1108% | 1,797 |
| Net loans and leases to deposits | 89.4196% | 3,026 |
| Net loans and leases to core deposits | 108.3887% | 3,626 |
| Total domestic deposits to total assets | 87.3531% | 2,037 |
| Equity capital to assets | 12.3890% | 2,038 |
| Core capital (leverage) ratio | 13.7922% | 1,237 |
| Tier 1 risk-based capital ratio | 15.9351% | 2,708 |
| Total risk-based capital ratio | 16.9263% | 2,727 |
| Memoranda: | ||
| Average total assets | $96,022,500 | 5,306 |
| Average earning assets | $87,582,000 | 5,303 |
| Average equity | $12,750,500 | 4,640 |
| Average total loans | $75,345,000 | 4,789 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0699% | 5,204 |
| Cost of funding earning assets | 3.0534% | 1,669 |
| Net interest margin | 3.0165% | 6,865 |
| Noninterest income to average assets | 0.0243% | 8,012 |
| Noninterest expense to average assets | 4.1339% | 1,224 |
| Loan and lease loss provision to assets | 0.5215% | 2,728 |
| Net operating income to assets | -1.7906% | 7,555 |
| Return on assets (ROA) | -1.7906% | 7,509 |
| Pretax return on assets | -1.7906% | 7,373 |
| Return on Equity (ROE) | -7.4874% | 7,088 |
| Retained earnings to average equity (ytd only) | -7.4874% | 6,830 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.2961% | 377 |
| Assets per employee ($millions) | 5.3223% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,028 |
| Loan loss allowance to noncurrent loans | 1,269.8413% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 7,293 |
| Noncurrent loans to loans | 0.0893% | 7,154 |
| Net loans and leases to total assets | 77.0698% | 2,354 |
| Net loans and leases to deposits | 90.4612% | 3,375 |
| Net loans and leases to core deposits | 107.3940% | 4,031 |
| Total domestic deposits to total assets | 85.1966% | 2,753 |
| Equity capital to assets | 14.2773% | 1,359 |
| Core capital (leverage) ratio | 16.4539% | 766 |
| Tier 1 risk-based capital ratio | 17.8729% | 2,068 |
| Total risk-based capital ratio | 18.9428% | 2,063 |
| Memoranda: | ||
| Average total assets | $57,524,200 | 6,471 |
| Average earning assets | $54,169,000 | 6,403 |
| Average equity | $13,756,400 | 4,391 |
| Average total loans | $45,673,000 | 5,897 |