Home > Grand Bank > Performance and Condition Ratios
Grand 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 | 5.4010% | 677 |
| Cost of funding earning assets | 1.2116% | 957 |
| Net interest margin | 4.1894% | 1,395 |
| Noninterest income to average assets | 0.6164% | 2,079 |
| Noninterest expense to average assets | 3.9255% | 586 |
| Loan and lease loss provision to assets | 0.5557% | 199 |
| Net operating income to assets | 0.0131% | 5,096 |
| Return on assets (ROA) | 0.0131% | 5,105 |
| Pretax return on assets | 0.0131% | 5,104 |
| Return on Equity (ROE) | 0.1168% | 5,103 |
| Retained earnings to average equity (ytd only) | 0.1168% | 4,658 |
| Net charge-offs to loans | 0.7576% | 188 |
| Credit loss provision to net charge-offs | 91.5141% | 2,119 |
| Earnings coverage of net charge-offs (x) | 0.9368% | 3,066 |
| Efficiency ratio | 87.3426% | 474 |
| Assets per employee ($millions) | 5.7253% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,240 |
| Loan loss allowance to noncurrent loans | 62.7546% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 3.0072% | 198 |
| Noncurrent loans to loans | 1.9947% | 721 |
| Net loans and leases to total assets | 76.4111% | 1,489 |
| Net loans and leases to deposits | 88.1838% | 1,982 |
| Net loans and leases to core deposits | 94.3990% | 2,217 |
| Total domestic deposits to total assets | 86.6498% | 1,747 |
| Equity capital to assets | 11.1105% | 2,938 |
| Core capital (leverage) ratio | 11.1063% | 2,499 |
| Tier 1 risk-based capital ratio | 14.1400% | 3,247 |
| Total risk-based capital ratio | 17.3414% | 2,318 |
| Memoranda: | ||
| Average total assets | $197,935,330 | 2,887 |
| Average earning assets | $183,224,000 | 2,887 |
| Average equity | $22,253,330 | 2,950 |
| Average total loans | $158,660,330 | 2,554 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 726 |
| Cost of funding earning assets | 1.2111% | 874 |
| Net interest margin | 4.1102% | 1,523 |
| Noninterest income to average assets | 0.4718% | 2,726 |
| Noninterest expense to average assets | 4.1076% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1667% | 5,037 |
| Return on assets (ROA) | 0.1667% | 5,043 |
| Pretax return on assets | 0.1667% | 5,059 |
| Return on Equity (ROE) | 1.4743% | 5,030 |
| Retained earnings to average equity (ytd only) | 1.4743% | 4,205 |
| Net charge-offs to loans | -0.0374% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0990% | 224 |
| Assets per employee ($millions) | 5.6138% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 2,238 |
| Loan loss allowance to noncurrent loans | 39.0087% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 4.3713% | 90 |
| Noncurrent loans to loans | 3.2501% | 304 |
| Net loans and leases to total assets | 79.5464% | 899 |
| Net loans and leases to deposits | 95.4940% | 1,015 |
| Net loans and leases to core deposits | 101.7956% | 1,482 |
| Total domestic deposits to total assets | 83.2999% | 3,281 |
| Equity capital to assets | 11.3470% | 2,526 |
| Core capital (leverage) ratio | 11.0224% | 2,557 |
| Tier 1 risk-based capital ratio | 13.8635% | 3,411 |
| Total risk-based capital ratio | 17.0177% | 2,469 |
| Memoranda: | ||
| Average total assets | $196,709,500 | 2,934 |
| Average earning assets | $181,985,000 | 2,929 |
| Average equity | $22,248,000 | 2,950 |
| Average total loans | $160,461,000 | 2,558 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2479% | 639 |
| Cost of funding earning assets | 1.0074% | 731 |
| Net interest margin | 4.2404% | 1,299 |
| Noninterest income to average assets | 0.8071% | 1,424 |
| Noninterest expense to average assets | 3.8814% | 614 |
| Loan and lease loss provision to assets | -0.0538% | 5,202 |
| Net operating income to assets | 0.9425% | 3,279 |
| Return on assets (ROA) | 0.9425% | 3,264 |
| Pretax return on assets | 0.9425% | 3,781 |
| Return on Equity (ROE) | 8.8599% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.8624% | 1,297 |
| Net charge-offs to loans | 0.0441% | 2,542 |
| Credit loss provision to net charge-offs | -151.3514% | 4,438 |
| Earnings coverage of net charge-offs (x) | 25.0135% | 1,788 |
| Efficiency ratio | 81.3689% | 854 |
| Assets per employee ($millions) | 5.6456% | 1,816 |
| Cash dividends to net income (ytd only)* | 11.2583% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 2,443 |
| Loan loss allowance to noncurrent loans | 45.2753% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 3.9763% | 120 |
| Noncurrent loans to loans | 2.7026% | 421 |
| Net loans and leases to total assets | 81.6250% | 711 |
| Net loans and leases to deposits | 99.7070% | 768 |
| Net loans and leases to core deposits | 106.6678% | 1,217 |
| Total domestic deposits to total assets | 81.8649% | 3,682 |
| Equity capital to assets | 11.7215% | 2,082 |
| Core capital (leverage) ratio | 11.4176% | 2,164 |
| Tier 1 risk-based capital ratio | 14.0126% | 3,283 |
| Total risk-based capital ratio | 17.0958% | 2,397 |
| Memoranda: | ||
| Average total assets | $208,277,600 | 2,784 |
| Average earning assets | $194,650,000 | 2,768 |
| Average equity | $22,156,000 | 2,888 |
| Average total loans | $167,809,600 | 2,458 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2508% | 565 |
| Cost of funding earning assets | 0.9945% | 612 |
| Net interest margin | 4.2563% | 1,221 |
| Noninterest income to average assets | 0.5050% | 2,842 |
| Noninterest expense to average assets | 3.6242% | 825 |
| Loan and lease loss provision to assets | -0.0708% | 5,318 |
| Net operating income to assets | 0.9335% | 3,380 |
| Return on assets (ROA) | 0.9335% | 3,384 |
| Pretax return on assets | 0.9335% | 3,916 |
| Return on Equity (ROE) | 8.9902% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.6450% | 1,823 |
| Net charge-offs to loans | 0.0623% | 1,933 |
| Credit loss provision to net charge-offs | -141.7722% | 4,274 |
| Earnings coverage of net charge-offs (x) | 17.2786% | 2,117 |
| Efficiency ratio | 80.7719% | 877 |
| Assets per employee ($millions) | 5.9461% | 1,528 |
| Cash dividends to net income (ytd only)* | 14.9628% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,444 |
| Loan loss allowance to noncurrent loans | 44.5463% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 4.0046% | 122 |
| Noncurrent loans to loans | 2.7643% | 434 |
| Net loans and leases to total assets | 76.8134% | 1,530 |
| Net loans and leases to deposits | 88.3882% | 2,105 |
| Net loans and leases to core deposits | 93.8740% | 2,302 |
| Total domestic deposits to total assets | 86.9046% | 1,775 |
| Equity capital to assets | 10.8764% | 2,772 |
| Core capital (leverage) ratio | 10.8147% | 2,779 |
| Tier 1 risk-based capital ratio | 13.5297% | 3,608 |
| Total risk-based capital ratio | 16.5694% | 2,653 |
| Memoranda: | ||
| Average total assets | $210,948,250 | 2,782 |
| Average earning assets | $197,349,500 | 2,760 |
| Average equity | $21,904,750 | 2,923 |
| Average total loans | $168,940,750 | 2,462 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 824 |
| Cost of funding earning assets | 0.9850% | 497 |
| Net interest margin | 4.0144% | 1,813 |
| Noninterest income to average assets | 0.5965% | 2,338 |
| Noninterest expense to average assets | 3.7000% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6664% | 4,298 |
| Return on assets (ROA) | 0.6664% | 4,303 |
| Pretax return on assets | 0.6664% | 4,594 |
| Return on Equity (ROE) | 6.5185% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.4780% | 3,359 |
| Net charge-offs to loans | -0.0140% | 4,435 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7384% | 645 |
| Assets per employee ($millions) | 6.0980% | 1,402 |
| Cash dividends to net income (ytd only)* | 31.3031% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 2,157 |
| Loan loss allowance to noncurrent loans | 43.0082% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 3.9619% | 140 |
| Noncurrent loans to loans | 3.0267% | 374 |
| Net loans and leases to total assets | 78.0126% | 1,312 |
| Net loans and leases to deposits | 89.1544% | 1,953 |
| Net loans and leases to core deposits | 93.8214% | 2,233 |
| Total domestic deposits to total assets | 87.5028% | 1,645 |
| Equity capital to assets | 10.2516% | 3,387 |
| Core capital (leverage) ratio | 10.3570% | 3,178 |
| Tier 1 risk-based capital ratio | 12.7118% | 4,054 |
| Total risk-based capital ratio | 15.7418% | 3,035 |
| Memoranda: | ||
| Average total assets | $211,893,670 | 2,793 |
| Average earning assets | $198,982,670 | 2,763 |
| Average equity | $21,661,330 | 2,954 |
| Average total loans | $171,304,000 | 2,445 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0947% | 592 |
| Cost of funding earning assets | 0.9867% | 391 |
| Net interest margin | 4.1080% | 1,416 |
| Noninterest income to average assets | 0.3145% | 4,050 |
| Noninterest expense to average assets | 3.6206% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5589% | 4,547 |
| Return on assets (ROA) | 0.5589% | 4,549 |
| Pretax return on assets | 0.5589% | 4,768 |
| Return on Equity (ROE) | 5.4751% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.4751% | 2,963 |
| Net charge-offs to loans | 0.0116% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 852 |
| Efficiency ratio | 86.6274% | 602 |
| Assets per employee ($millions) | 6.0884% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2787% | 2,343 |
| Loan loss allowance to noncurrent loans | 44.4785% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 3.9849% | 162 |
| Noncurrent loans to loans | 2.8749% | 429 |
| Net loans and leases to total assets | 81.2659% | 753 |
| Net loans and leases to deposits | 93.3044% | 1,302 |
| Net loans and leases to core deposits | 98.5668% | 1,799 |
| Total domestic deposits to total assets | 87.0975% | 2,082 |
| Equity capital to assets | 10.4803% | 3,094 |
| Core capital (leverage) ratio | 10.2212% | 3,273 |
| Tier 1 risk-based capital ratio | 12.7497% | 4,092 |
| Total risk-based capital ratio | 15.7981% | 2,999 |
| Memoranda: | ||
| Average total assets | $211,125,000 | 2,833 |
| Average earning assets | $198,637,500 | 2,801 |
| Average equity | $21,552,000 | 2,993 |
| Average total loans | $172,606,500 | 2,441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9436% | 719 |
| Cost of funding earning assets | 0.9362% | 307 |
| Net interest margin | 4.0074% | 1,727 |
| Noninterest income to average assets | 0.4783% | 3,137 |
| Noninterest expense to average assets | 3.9039% | 614 |
| Loan and lease loss provision to assets | 0.0638% | 2,950 |
| Net operating income to assets | 0.2614% | 5,001 |
| Return on assets (ROA) | 0.2614% | 5,018 |
| Pretax return on assets | 0.2614% | 5,253 |
| Return on Equity (ROE) | 2.7294% | 4,907 |
| Retained earnings to average equity (ytd only) | 2.7294% | 3,681 |
| Net charge-offs to loans | 0.0324% | 3,137 |
| Credit loss provision to net charge-offs | 241.0714% | 1,149 |
| Earnings coverage of net charge-offs (x) | 12.2857% | 2,487 |
| Efficiency ratio | 92.3111% | 344 |
| Assets per employee ($millions) | 6.3307% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,477 |
| Loan loss allowance to noncurrent loans | 43.9172% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 3.8854% | 157 |
| Noncurrent loans to loans | 2.8448% | 406 |
| Net loans and leases to total assets | 80.1996% | 931 |
| Net loans and leases to deposits | 91.5656% | 1,584 |
| Net loans and leases to core deposits | 97.0348% | 1,946 |
| Total domestic deposits to total assets | 87.5871% | 1,713 |
| Equity capital to assets | 9.9464% | 3,764 |
| Core capital (leverage) ratio | 9.8550% | 3,630 |
| Tier 1 risk-based capital ratio | 12.2454% | 4,368 |
| Total risk-based capital ratio | 15.2385% | 3,274 |
| Memoranda: | ||
| Average total assets | $211,583,200 | 2,804 |
| Average earning assets | $198,033,800 | 2,790 |
| Average equity | $20,260,800 | 3,118 |
| Average total loans | $172,857,600 | 2,397 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8991% | 763 |
| Cost of funding earning assets | 0.9210% | 311 |
| Net interest margin | 3.9782% | 1,783 |
| Noninterest income to average assets | 0.4297% | 3,477 |
| Noninterest expense to average assets | 3.9404% | 561 |
| Loan and lease loss provision to assets | 0.0854% | 2,384 |
| Net operating income to assets | 0.1247% | 5,419 |
| Return on assets (ROA) | 0.1247% | 5,428 |
| Pretax return on assets | 0.1247% | 5,442 |
| Return on Equity (ROE) | 1.3150% | 5,395 |
| Retained earnings to average equity (ytd only) | 1.3150% | 4,878 |
| Net charge-offs to loans | 0.0449% | 2,541 |
| Credit loss provision to net charge-offs | 232.7586% | 1,199 |
| Earnings coverage of net charge-offs (x) | 5.7243% | 3,064 |
| Efficiency ratio | 94.9375% | 270 |
| Assets per employee ($millions) | 5.8251% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,600 |
| Loan loss allowance to noncurrent loans | 41.0923% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 4.3075% | 146 |
| Noncurrent loans to loans | 3.0600% | 406 |
| Net loans and leases to total assets | 81.7081% | 742 |
| Net loans and leases to deposits | 92.7729% | 1,447 |
| Net loans and leases to core deposits | 98.8514% | 1,813 |
| Total domestic deposits to total assets | 88.0732% | 1,331 |
| Equity capital to assets | 9.5806% | 4,364 |
| Core capital (leverage) ratio | 9.5305% | 4,124 |
| Tier 1 risk-based capital ratio | 11.6902% | 4,832 |
| Total risk-based capital ratio | 14.7169% | 3,641 |
| Memoranda: | ||
| Average total assets | $210,668,250 | 2,841 |
| Average earning assets | $197,036,500 | 2,823 |
| Average equity | $19,973,750 | 3,165 |
| Average total loans | $172,370,000 | 2,415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8577% | 764 |
| Cost of funding earning assets | 0.9203% | 271 |
| Net interest margin | 3.9375% | 1,818 |
| Noninterest income to average assets | 0.4427% | 3,402 |
| Noninterest expense to average assets | 3.9651% | 554 |
| Loan and lease loss provision to assets | 0.0853% | 2,280 |
| Net operating income to assets | 0.0749% | 5,513 |
| Return on assets (ROA) | 0.0749% | 5,516 |
| Pretax return on assets | 0.0749% | 5,523 |
| Return on Equity (ROE) | 0.7926% | 5,498 |
| Retained earnings to average equity (ytd only) | 0.7926% | 4,895 |
| Net charge-offs to loans | 0.0802% | 1,819 |
| Credit loss provision to net charge-offs | 130.4348% | 1,677 |
| Earnings coverage of net charge-offs (x) | 2.4493% | 3,159 |
| Efficiency ratio | 96.1167% | 255 |
| Assets per employee ($millions) | 5.4896% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2328% | 2,808 |
| Loan loss allowance to noncurrent loans | 55.3070% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 3.4515% | 236 |
| Noncurrent loans to loans | 2.2291% | 723 |
| Net loans and leases to total assets | 81.6489% | 720 |
| Net loans and leases to deposits | 92.6696% | 1,409 |
| Net loans and leases to core deposits | 98.6071% | 1,755 |
| Total domestic deposits to total assets | 88.1076% | 1,406 |
| Equity capital to assets | 9.5722% | 4,343 |
| Core capital (leverage) ratio | 9.1807% | 4,514 |
| Tier 1 risk-based capital ratio | 11.6132% | 4,888 |
| Total risk-based capital ratio | 14.6372% | 3,672 |
| Memoranda: | ||
| Average total assets | $210,989,330 | 2,850 |
| Average earning assets | $197,334,670 | 2,835 |
| Average equity | $19,934,670 | 3,166 |
| Average total loans | $171,984,000 | 2,422 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 773 |
| Cost of funding earning assets | 0.9047% | 272 |
| Net interest margin | 3.8809% | 1,846 |
| Noninterest income to average assets | 0.6165% | 2,341 |
| Noninterest expense to average assets | 4.0607% | 502 |
| Loan and lease loss provision to assets | 0.0848% | 2,124 |
| Net operating income to assets | 0.1018% | 5,512 |
| Return on assets (ROA) | 0.1018% | 5,519 |
| Pretax return on assets | 0.1018% | 5,514 |
| Return on Equity (ROE) | 1.0844% | 5,477 |
| Retained earnings to average equity (ytd only) | 1.0844% | 4,622 |
| Net charge-offs to loans | 0.1537% | 1,040 |
| Credit loss provision to net charge-offs | 68.1818% | 1,853 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 2,720 |
| Efficiency ratio | 95.6059% | 327 |
| Assets per employee ($millions) | 5.8802% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,975 |
| Loan loss allowance to noncurrent loans | 72.4618% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.8083% | 374 |
| Noncurrent loans to loans | 1.6896% | 1,137 |
| Net loans and leases to total assets | 77.2786% | 1,233 |
| Net loans and leases to deposits | 87.2108% | 1,889 |
| Net loans and leases to core deposits | 92.7558% | 2,096 |
| Total domestic deposits to total assets | 88.6113% | 1,368 |
| Equity capital to assets | 9.1692% | 4,647 |
| Core capital (leverage) ratio | 9.2833% | 4,369 |
| Tier 1 risk-based capital ratio | 11.6138% | 4,969 |
| Total risk-based capital ratio | 14.6233% | 3,768 |
| Memoranda: | ||
| Average total assets | $212,182,500 | 2,864 |
| Average earning assets | $198,508,500 | 2,841 |
| Average equity | $19,918,000 | 3,181 |
| Average total loans | $171,752,000 | 2,446 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7752% | 928 |
| Cost of funding earning assets | 0.8308% | 429 |
| Net interest margin | 3.9444% | 1,808 |
| Noninterest income to average assets | 0.9231% | 1,340 |
| Noninterest expense to average assets | 4.4914% | 382 |
| Loan and lease loss provision to assets | 0.1549% | 1,610 |
| Net operating income to assets | -0.0440% | 5,663 |
| Return on assets (ROA) | -0.0440% | 5,677 |
| Pretax return on assets | -0.0440% | 5,671 |
| Return on Equity (ROE) | -0.4631% | 5,680 |
| Retained earnings to average equity (ytd only) | -0.4631% | 5,373 |
| Net charge-offs to loans | 0.2871% | 958 |
| Credit loss provision to net charge-offs | 65.0602% | 3,181 |
| Earnings coverage of net charge-offs (x) | 0.4659% | 4,101 |
| Efficiency ratio | 97.5901% | 262 |
| Assets per employee ($millions) | 5.3025% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 3,032 |
| Loan loss allowance to noncurrent loans | 65.1300% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 3.1267% | 307 |
| Noncurrent loans to loans | 1.8651% | 1,002 |
| Net loans and leases to total assets | 82.7775% | 508 |
| Net loans and leases to deposits | 93.8956% | 1,205 |
| Net loans and leases to core deposits | 99.5574% | 1,654 |
| Total domestic deposits to total assets | 88.1590% | 1,557 |
| Equity capital to assets | 9.6166% | 4,152 |
| Core capital (leverage) ratio | 9.1819% | 4,501 |
| Tier 1 risk-based capital ratio | 11.5478% | 5,026 |
| Total risk-based capital ratio | 14.5406% | 3,815 |
| Memoranda: | ||
| Average total assets | $209,178,800 | 2,858 |
| Average earning assets | $195,112,600 | 2,849 |
| Average equity | $19,865,200 | 3,182 |
| Average total loans | $173,431,600 | 2,381 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7810% | 937 |
| Cost of funding earning assets | 0.8076% | 486 |
| Net interest margin | 3.9734% | 1,731 |
| Noninterest income to average assets | 1.2813% | 710 |
| Noninterest expense to average assets | 4.3042% | 443 |
| Loan and lease loss provision to assets | 0.1583% | 1,465 |
| Net operating income to assets | 0.5212% | 4,614 |
| Return on assets (ROA) | 0.5212% | 4,717 |
| Pretax return on assets | 0.5212% | 5,075 |
| Return on Equity (ROE) | 5.5052% | 4,312 |
| Retained earnings to average equity (ytd only) | 5.5052% | 2,477 |
| Net charge-offs to loans | 0.3628% | 619 |
| Credit loss provision to net charge-offs | 52.7542% | 2,996 |
| Earnings coverage of net charge-offs (x) | 2.2648% | 3,593 |
| Efficiency ratio | 86.3665% | 795 |
| Assets per employee ($millions) | 5.6190% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,320 |
| Loan loss allowance to noncurrent loans | 62.1524% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 3.0017% | 383 |
| Noncurrent loans to loans | 1.9099% | 1,045 |
| Net loans and leases to total assets | 78.0972% | 1,178 |
| Net loans and leases to deposits | 88.1871% | 1,990 |
| Net loans and leases to core deposits | 92.6685% | 2,318 |
| Total domestic deposits to total assets | 88.5585% | 1,126 |
| Equity capital to assets | 9.5318% | 4,626 |
| Core capital (leverage) ratio | 10.0017% | 3,565 |
| Tier 1 risk-based capital ratio | 12.3181% | 4,595 |
| Total risk-based capital ratio | 15.3403% | 3,436 |
| Memoranda: | ||
| Average total assets | $209,773,750 | 2,873 |
| Average earning assets | $195,462,750 | 2,849 |
| Average equity | $19,859,750 | 3,208 |
| Average total loans | $173,467,500 | 2,383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 859 |
| Cost of funding earning assets | 0.8216% | 435 |
| Net interest margin | 3.9935% | 1,660 |
| Noninterest income to average assets | 0.6155% | 2,538 |
| Noninterest expense to average assets | 4.0774% | 545 |
| Loan and lease loss provision to assets | 0.1423% | 1,597 |
| Net operating income to assets | 0.1123% | 5,652 |
| Return on assets (ROA) | 0.1123% | 5,703 |
| Pretax return on assets | 0.1123% | 5,716 |
| Return on Equity (ROE) | 1.1887% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.1887% | 4,905 |
| Net charge-offs to loans | 0.4390% | 513 |
| Credit loss provision to net charge-offs | 38.5827% | 2,784 |
| Earnings coverage of net charge-offs (x) | 0.6903% | 3,494 |
| Efficiency ratio | 94.1242% | 411 |
| Assets per employee ($millions) | 5.9535% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 3,582 |
| Loan loss allowance to noncurrent loans | 74.4991% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.7837% | 456 |
| Noncurrent loans to loans | 1.5574% | 1,385 |
| Net loans and leases to total assets | 79.0870% | 1,051 |
| Net loans and leases to deposits | 88.7085% | 1,897 |
| Net loans and leases to core deposits | 91.2109% | 2,417 |
| Total domestic deposits to total assets | 89.1538% | 848 |
| Equity capital to assets | 9.0844% | 5,176 |
| Core capital (leverage) ratio | 9.5595% | 4,117 |
| Tier 1 risk-based capital ratio | 11.7724% | 4,996 |
| Total risk-based capital ratio | 14.7742% | 3,794 |
| Memoranda: | ||
| Average total assets | $206,651,330 | 2,914 |
| Average earning assets | $192,312,000 | 2,904 |
| Average equity | $19,517,000 | 3,248 |
| Average total loans | $173,557,000 | 2,383 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 588 |
| Cost of funding earning assets | 0.8359% | 411 |
| Net interest margin | 4.1600% | 1,192 |
| Noninterest income to average assets | 0.9786% | 1,127 |
| Noninterest expense to average assets | 4.4407% | 412 |
| Loan and lease loss provision to assets | 0.1001% | 2,022 |
| Net operating income to assets | 0.3022% | 5,299 |
| Return on assets (ROA) | 0.3022% | 5,380 |
| Pretax return on assets | 0.3022% | 5,506 |
| Return on Equity (ROE) | 3.1279% | 5,190 |
| Retained earnings to average equity (ytd only) | 3.1279% | 3,953 |
| Net charge-offs to loans | 0.7990% | 257 |
| Credit loss provision to net charge-offs | 14.5349% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.5843% | 2,911 |
| Efficiency ratio | 91.6942% | 571 |
| Assets per employee ($millions) | 5.5605% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,750 |
| Loan loss allowance to noncurrent loans | 44.3179% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 3.8058% | 274 |
| Noncurrent loans to loans | 2.6025% | 699 |
| Net loans and leases to total assets | 82.6876% | 483 |
| Net loans and leases to deposits | 93.3059% | 1,203 |
| Net loans and leases to core deposits | 96.0121% | 1,794 |
| Total domestic deposits to total assets | 88.6199% | 1,296 |
| Equity capital to assets | 9.4358% | 4,735 |
| Core capital (leverage) ratio | 9.6943% | 3,922 |
| Tier 1 risk-based capital ratio | 11.5353% | 5,220 |
| Total risk-based capital ratio | 14.5273% | 4,035 |
| Memoranda: | ||
| Average total assets | $199,877,500 | 2,988 |
| Average earning assets | $185,675,000 | 2,991 |
| Average equity | $19,310,000 | 3,271 |
| Average total loans | $172,207,000 | 2,384 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7792% | 961 |
| Cost of funding earning assets | 0.8999% | 289 |
| Net interest margin | 3.8793% | 2,097 |
| Noninterest income to average assets | 1.2091% | 816 |
| Noninterest expense to average assets | 4.7046% | 356 |
| Loan and lease loss provision to assets | -0.1273% | 5,895 |
| Net operating income to assets | 0.1910% | 5,598 |
| Return on assets (ROA) | 0.2592% | 5,537 |
| Pretax return on assets | 0.2592% | 5,599 |
| Return on Equity (ROE) | 2.6729% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.6729% | 4,170 |
| Net charge-offs to loans | 0.3644% | 804 |
| Credit loss provision to net charge-offs | -42.0875% | 5,041 |
| Earnings coverage of net charge-offs (x) | 0.2104% | 4,252 |
| Efficiency ratio | 98.6648% | 316 |
| Assets per employee ($millions) | 4.3115% | 3,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 2,783 |
| Loan loss allowance to noncurrent loans | 50.2979% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 4.0625% | 258 |
| Noncurrent loans to loans | 2.6296% | 679 |
| Net loans and leases to total assets | 87.6367% | 138 |
| Net loans and leases to deposits | 100.6619% | 633 |
| Net loans and leases to core deposits | 103.3359% | 1,276 |
| Total domestic deposits to total assets | 87.0605% | 2,101 |
| Equity capital to assets | 9.8996% | 4,073 |
| Core capital (leverage) ratio | 9.9482% | 3,580 |
| Tier 1 risk-based capital ratio | 11.5681% | 5,205 |
| Total risk-based capital ratio | 13.4228% | 4,746 |
| Memoranda: | ||
| Average total assets | $196,339,800 | 2,981 |
| Average earning assets | $180,134,800 | 2,999 |
| Average equity | $19,043,000 | 3,258 |
| Average total loans | $163,002,800 | 2,426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,083 |
| Cost of funding earning assets | 0.9101% | 273 |
| Net interest margin | 3.7993% | 2,387 |
| Noninterest income to average assets | 1.0481% | 1,091 |
| Noninterest expense to average assets | 4.4640% | 421 |
| Loan and lease loss provision to assets | -0.1693% | 6,075 |
| Net operating income to assets | 0.2302% | 5,616 |
| Return on assets (ROA) | 0.3209% | 5,475 |
| Pretax return on assets | 0.3209% | 5,614 |
| Return on Equity (ROE) | 3.3259% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.3259% | 4,105 |
| Net charge-offs to loans | 0.4091% | 628 |
| Credit loss provision to net charge-offs | -50.7099% | 4,971 |
| Earnings coverage of net charge-offs (x) | 0.1826% | 3,976 |
| Efficiency ratio | 98.6533% | 331 |
| Assets per employee ($millions) | 3.5645% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 2,290 |
| Loan loss allowance to noncurrent loans | 86.0448% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 3.1319% | 465 |
| Noncurrent loans to loans | 1.7066% | 1,411 |
| Net loans and leases to total assets | 81.4552% | 647 |
| Net loans and leases to deposits | 95.8731% | 1,016 |
| Net loans and leases to core deposits | 98.7521% | 1,631 |
| Total domestic deposits to total assets | 84.9615% | 3,031 |
| Equity capital to assets | 9.7980% | 4,398 |
| Core capital (leverage) ratio | 9.7172% | 4,010 |
| Tier 1 risk-based capital ratio | 11.9160% | 5,131 |
| Total risk-based capital ratio | 13.7916% | 4,631 |
| Memoranda: | ||
| Average total assets | $196,920,250 | 3,006 |
| Average earning assets | $180,203,750 | 3,019 |
| Average equity | $19,002,000 | 3,297 |
| Average total loans | $160,676,000 | 2,467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,145 |
| Cost of funding earning assets | 0.9229% | 257 |
| Net interest margin | 3.7382% | 2,549 |
| Noninterest income to average assets | 0.9716% | 1,240 |
| Noninterest expense to average assets | 4.3791% | 464 |
| Loan and lease loss provision to assets | -0.2535% | 6,209 |
| Net operating income to assets | 0.2596% | 5,550 |
| Return on assets (ROA) | 0.3955% | 5,258 |
| Pretax return on assets | 0.3955% | 5,475 |
| Return on Equity (ROE) | 4.1198% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.1198% | 3,401 |
| Net charge-offs to loans | 0.0599% | 2,529 |
| Credit loss provision to net charge-offs | -520.8333% | 5,225 |
| Earnings coverage of net charge-offs (x) | 0.1250% | 3,699 |
| Efficiency ratio | 99.8612% | 325 |
| Assets per employee ($millions) | 3.8179% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 1,437 |
| Loan loss allowance to noncurrent loans | 101.6919% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 3.0987% | 519 |
| Noncurrent loans to loans | 1.7390% | 1,477 |
| Net loans and leases to total assets | 79.0422% | 935 |
| Net loans and leases to deposits | 90.6824% | 1,512 |
| Net loans and leases to core deposits | 93.2672% | 2,030 |
| Total domestic deposits to total assets | 87.1638% | 2,074 |
| Equity capital to assets | 9.6196% | 4,507 |
| Core capital (leverage) ratio | 9.8527% | 3,799 |
| Tier 1 risk-based capital ratio | 12.0279% | 5,127 |
| Total risk-based capital ratio | 14.5439% | 4,273 |
| Memoranda: | ||
| Average total assets | $197,210,330 | 3,021 |
| Average earning assets | $180,085,330 | 3,043 |
| Average equity | $18,933,000 | 3,322 |
| Average total loans | $160,210,330 | 2,480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7466% | 953 |
| Cost of funding earning assets | 0.9279% | 247 |
| Net interest margin | 3.8187% | 2,174 |
| Noninterest income to average assets | 0.9077% | 1,361 |
| Noninterest expense to average assets | 4.3836% | 465 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0081% | 6,009 |
| Return on assets (ROA) | 0.2808% | 5,574 |
| Pretax return on assets | 0.2808% | 5,690 |
| Return on Equity (ROE) | 2.9283% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.9283% | 4,212 |
| Net charge-offs to loans | 0.2368% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.0421% | 3,109 |
| Efficiency ratio | 99.8146% | 370 |
| Assets per employee ($millions) | 4.1762% | 3,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 1,286 |
| Loan loss allowance to noncurrent loans | 130.1246% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 2.5683% | 820 |
| Noncurrent loans to loans | 1.4603% | 1,947 |
| Net loans and leases to total assets | 79.6439% | 725 |
| Net loans and leases to deposits | 92.6063% | 1,123 |
| Net loans and leases to core deposits | 95.3126% | 1,669 |
| Total domestic deposits to total assets | 86.0026% | 2,937 |
| Equity capital to assets | 9.6148% | 4,617 |
| Core capital (leverage) ratio | 9.7779% | 3,920 |
| Tier 1 risk-based capital ratio | 11.7200% | 5,426 |
| Total risk-based capital ratio | 14.4702% | 4,407 |
| Memoranda: | ||
| Average total assets | $196,549,500 | 3,045 |
| Average earning assets | $179,330,000 | 3,075 |
| Average equity | $18,850,500 | 3,352 |
| Average total loans | $160,441,000 | 2,486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8331% | 1,047 |
| Cost of funding earning assets | 1.0204% | 208 |
| Net interest margin | 3.8127% | 2,581 |
| Noninterest income to average assets | 0.1492% | 5,950 |
| Noninterest expense to average assets | 5.7807% | 203 |
| Loan and lease loss provision to assets | -0.2495% | 6,334 |
| Net operating income to assets | -2.1082% | 6,458 |
| Return on assets (ROA) | -2.1082% | 6,456 |
| Pretax return on assets | -2.1082% | 6,450 |
| Return on Equity (ROE) | -21.6822% | 6,446 |
| Retained earnings to average equity (ytd only) | -21.6822% | 6,433 |
| Net charge-offs to loans | 0.0692% | 3,488 |
| Credit loss provision to net charge-offs | -467.2897% | 5,775 |
| Earnings coverage of net charge-offs (x) | -44.1589% | 4,950 |
| Efficiency ratio | 168.8776% | 35 |
| Assets per employee ($millions) | 3.7850% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 1,230 |
| Loan loss allowance to noncurrent loans | 121.1404% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.7889% | 774 |
| Noncurrent loans to loans | 1.5960% | 1,832 |
| Net loans and leases to total assets | 80.4831% | 672 |
| Net loans and leases to deposits | 95.0257% | 989 |
| Net loans and leases to core deposits | 97.8727% | 1,560 |
| Total domestic deposits to total assets | 84.6961% | 3,421 |
| Equity capital to assets | 9.5667% | 4,630 |
| Core capital (leverage) ratio | 9.3813% | 4,414 |
| Tier 1 risk-based capital ratio | 11.7522% | 5,513 |
| Total risk-based capital ratio | 14.5180% | 4,479 |
| Memoranda: | ||
| Average total assets | $200,406,600 | 2,991 |
| Average earning assets | $172,082,800 | 3,132 |
| Average equity | $19,486,000 | 3,218 |
| Average total loans | $154,677,200 | 2,503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 1,022 |
| Cost of funding earning assets | 1.0315% | 211 |
| Net interest margin | 3.8183% | 2,548 |
| Noninterest income to average assets | 0.3709% | 4,458 |
| Noninterest expense to average assets | 5.8868% | 191 |
| Loan and lease loss provision to assets | -0.3312% | 6,483 |
| Net operating income to assets | -1.9459% | 6,525 |
| Return on assets (ROA) | -1.9459% | 6,526 |
| Pretax return on assets | -1.9459% | 6,517 |
| Return on Equity (ROE) | -19.9348% | 6,508 |
| Retained earnings to average equity (ytd only) | -19.9348% | 6,488 |
| Net charge-offs to loans | -0.0706% | 6,035 |
| Credit loss provision to net charge-offs | 617.2840% | 482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.0826% | 42 |
| Assets per employee ($millions) | 3.5890% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1248% | 1,054 |
| Loan loss allowance to noncurrent loans | 114.7263% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.7753% | 888 |
| Noncurrent loans to loans | 1.8521% | 1,724 |
| Net loans and leases to total assets | 75.8834% | 1,242 |
| Net loans and leases to deposits | 88.5038% | 1,610 |
| Net loans and leases to core deposits | 91.2024% | 2,095 |
| Total domestic deposits to total assets | 85.7403% | 2,985 |
| Equity capital to assets | 9.7191% | 4,536 |
| Core capital (leverage) ratio | 9.3603% | 4,558 |
| Tier 1 risk-based capital ratio | 11.6469% | 5,703 |
| Total risk-based capital ratio | 14.3967% | 4,701 |
| Memoranda: | ||
| Average total assets | $201,303,500 | 2,998 |
| Average earning assets | $170,752,750 | 3,174 |
| Average equity | $19,650,250 | 3,206 |
| Average total loans | $152,964,250 | 2,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 976 |
| Cost of funding earning assets | 1.0403% | 208 |
| Net interest margin | 3.8225% | 2,475 |
| Noninterest income to average assets | 0.6564% | 2,506 |
| Noninterest expense to average assets | 5.7783% | 198 |
| Loan and lease loss provision to assets | -0.4965% | 6,592 |
| Net operating income to assets | -1.4329% | 6,569 |
| Return on assets (ROA) | -1.4329% | 6,566 |
| Pretax return on assets | -1.4329% | 6,551 |
| Return on Equity (ROE) | -14.6579% | 6,546 |
| Retained earnings to average equity (ytd only) | -14.6579% | 6,488 |
| Net charge-offs to loans | 0.1013% | 2,666 |
| Credit loss provision to net charge-offs | -649.3506% | 5,638 |
| Earnings coverage of net charge-offs (x) | -25.2338% | 4,341 |
| Efficiency ratio | 150.1290% | 54 |
| Assets per employee ($millions) | 4.0516% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 1,354 |
| Loan loss allowance to noncurrent loans | 120.9900% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 2.6903% | 994 |
| Noncurrent loans to loans | 1.6563% | 2,095 |
| Net loans and leases to total assets | 74.6197% | 1,359 |
| Net loans and leases to deposits | 89.2117% | 1,450 |
| Net loans and leases to core deposits | 93.7359% | 1,799 |
| Total domestic deposits to total assets | 83.6435% | 4,058 |
| Equity capital to assets | 9.7463% | 4,432 |
| Core capital (leverage) ratio | 9.5140% | 4,314 |
| Tier 1 risk-based capital ratio | 10.8669% | 6,109 |
| Total risk-based capital ratio | 14.0979% | 4,945 |
| Memoranda: | ||
| Average total assets | $201,409,330 | 3,016 |
| Average earning assets | $168,213,670 | 3,217 |
| Average equity | $19,689,000 | 3,205 |
| Average total loans | $152,010,330 | 2,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 862 |
| Cost of funding earning assets | 1.0577% | 202 |
| Net interest margin | 3.8500% | 2,268 |
| Noninterest income to average assets | 0.7586% | 1,918 |
| Noninterest expense to average assets | 5.4910% | 243 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.5393% | 6,636 |
| Return on assets (ROA) | -1.5393% | 6,631 |
| Pretax return on assets | -1.5393% | 6,615 |
| Return on Equity (ROE) | -15.7213% | 6,608 |
| Retained earnings to average equity (ytd only) | -15.7213% | 6,478 |
| Net charge-offs to loans | 0.1661% | 1,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -12.3387% | 3,609 |
| Efficiency ratio | 138.9511% | 90 |
| Assets per employee ($millions) | 3.8641% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4680% | 845 |
| Loan loss allowance to noncurrent loans | 121.5374% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 3.5013% | 746 |
| Noncurrent loans to loans | 2.0306% | 1,834 |
| Net loans and leases to total assets | 73.5555% | 1,336 |
| Net loans and leases to deposits | 86.5729% | 1,526 |
| Net loans and leases to core deposits | 91.3079% | 1,794 |
| Total domestic deposits to total assets | 84.9636% | 3,888 |
| Equity capital to assets | 9.7545% | 4,161 |
| Core capital (leverage) ratio | 8.8380% | 5,214 |
| Tier 1 risk-based capital ratio | 10.4543% | 6,347 |
| Total risk-based capital ratio | 13.9725% | 5,112 |
| Memoranda: | ||
| Average total assets | $198,797,500 | 3,067 |
| Average earning assets | $164,882,500 | 3,281 |
| Average equity | $19,464,000 | 3,227 |
| Average total loans | $149,344,500 | 2,598 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 1,763 |
| Cost of funding earning assets | 1.2011% | 175 |
| Net interest margin | 3.4326% | 4,158 |
| Noninterest income to average assets | 4.7145% | 146 |
| Noninterest expense to average assets | 9.5892% | 86 |
| Loan and lease loss provision to assets | -0.0087% | 6,271 |
| Net operating income to assets | -2.0371% | 6,718 |
| Return on assets (ROA) | -2.0371% | 6,718 |
| Pretax return on assets | -2.0371% | 6,712 |
| Return on Equity (ROE) | -22.2066% | 6,697 |
| Retained earnings to average equity (ytd only) | -22.2066% | 6,685 |
| Net charge-offs to loans | -0.0505% | 6,341 |
| Credit loss provision to net charge-offs | 22.9885% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1206% | 137 |
| Assets per employee ($millions) | 4.6634% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 839 |
| Loan loss allowance to noncurrent loans | 88.0964% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 3.8803% | 696 |
| Noncurrent loans to loans | 2.8214% | 1,244 |
| Net loans and leases to total assets | 72.9761% | 1,521 |
| Net loans and leases to deposits | 85.2530% | 1,779 |
| Net loans and leases to core deposits | 91.5269% | 1,841 |
| Total domestic deposits to total assets | 85.5994% | 3,459 |
| Equity capital to assets | 9.8267% | 3,991 |
| Core capital (leverage) ratio | 8.6805% | 5,436 |
| Tier 1 risk-based capital ratio | 10.4559% | 6,379 |
| Total risk-based capital ratio | 13.9219% | 5,143 |
| Memoranda: | ||
| Average total assets | $229,738,400 | 2,721 |
| Average earning assets | $189,332,400 | 2,957 |
| Average equity | $21,074,800 | 3,029 |
| Average total loans | $172,133,600 | 2,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,946 |
| Cost of funding earning assets | 1.2399% | 165 |
| Net interest margin | 3.3471% | 4,474 |
| Noninterest income to average assets | 5.6551% | 123 |
| Noninterest expense to average assets | 10.6510% | 72 |
| Loan and lease loss provision to assets | -0.1097% | 6,639 |
| Net operating income to assets | -2.1318% | 6,812 |
| Return on assets (ROA) | -2.1318% | 6,815 |
| Pretax return on assets | -2.1318% | 6,808 |
| Return on Equity (ROE) | -23.5941% | 6,789 |
| Retained earnings to average equity (ytd only) | -23.5941% | 6,777 |
| Net charge-offs to loans | 0.1036% | 3,499 |
| Credit loss provision to net charge-offs | -141.3043% | 5,839 |
| Earnings coverage of net charge-offs (x) | -28.8761% | 5,187 |
| Efficiency ratio | 126.6537% | 140 |
| Assets per employee ($millions) | 5.2331% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1698% | 1,382 |
| Loan loss allowance to noncurrent loans | 70.9870% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 3.7197% | 886 |
| Noncurrent loans to loans | 3.0567% | 1,304 |
| Net loans and leases to total assets | 69.9755% | 1,972 |
| Net loans and leases to deposits | 80.6777% | 2,310 |
| Net loans and leases to core deposits | 88.3950% | 2,142 |
| Total domestic deposits to total assets | 86.7346% | 2,833 |
| Equity capital to assets | 8.6928% | 5,533 |
| Core capital (leverage) ratio | 7.7926% | 6,331 |
| Tier 1 risk-based capital ratio | 9.7389% | 6,650 |
| Total risk-based capital ratio | 13.1788% | 5,765 |
| Memoranda: | ||
| Average total assets | $237,041,500 | 2,663 |
| Average earning assets | $195,067,500 | 2,912 |
| Average equity | $21,417,250 | 3,027 |
| Average total loans | $177,650,500 | 2,225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 1,817 |
| Cost of funding earning assets | 1.3057% | 135 |
| Net interest margin | 3.3051% | 4,561 |
| Noninterest income to average assets | 7.4140% | 91 |
| Noninterest expense to average assets | 12.0947% | 63 |
| Loan and lease loss provision to assets | -0.2249% | 6,795 |
| Net operating income to assets | -1.7355% | 6,831 |
| Return on assets (ROA) | -1.7355% | 6,833 |
| Pretax return on assets | -1.7355% | 6,824 |
| Return on Equity (ROE) | -18.9979% | 6,824 |
| Retained earnings to average equity (ytd only) | -18.9979% | 6,798 |
| Net charge-offs to loans | -0.1938% | 6,654 |
| Credit loss provision to net charge-offs | 152.7778% | 1,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.3447% | 189 |
| Assets per employee ($millions) | 4.2107% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3126% | 1,240 |
| Loan loss allowance to noncurrent loans | 52.1028% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 4.3466% | 768 |
| Noncurrent loans to loans | 4.4385% | 794 |
| Net loans and leases to total assets | 68.8347% | 2,085 |
| Net loans and leases to deposits | 80.6314% | 2,228 |
| Net loans and leases to core deposits | 95.8455% | 1,370 |
| Total domestic deposits to total assets | 85.3696% | 3,715 |
| Equity capital to assets | 9.3371% | 4,802 |
| Core capital (leverage) ratio | 8.0222% | 6,174 |
| Tier 1 risk-based capital ratio | 10.5306% | 6,493 |
| Total risk-based capital ratio | 14.5743% | 4,845 |
| Memoranda: | ||
| Average total assets | $244,536,000 | 2,607 |
| Average earning assets | $201,265,000 | 2,853 |
| Average equity | $22,339,330 | 2,949 |
| Average total loans | $185,711,330 | 2,146 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 1,548 |
| Cost of funding earning assets | 1.4660% | 69 |
| Net interest margin | 3.2289% | 4,807 |
| Noninterest income to average assets | 14.7890% | 55 |
| Noninterest expense to average assets | 15.9859% | 50 |
| Loan and lease loss provision to assets | -0.5441% | 6,963 |
| Net operating income to assets | 2.0177% | 330 |
| Return on assets (ROA) | 2.0177% | 360 |
| Pretax return on assets | 2.0177% | 574 |
| Return on Equity (ROE) | 22.2957% | 186 |
| Retained earnings to average equity (ytd only) | 22.2957% | 93 |
| Net charge-offs to loans | -0.5799% | 6,869 |
| Credit loss provision to net charge-offs | 119.8630% | 1,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5598% | 1,019 |
| Assets per employee ($millions) | 0.9155% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 2,012 |
| Loan loss allowance to noncurrent loans | 44.6606% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 4.5297% | 823 |
| Noncurrent loans to loans | 4.5022% | 921 |
| Net loans and leases to total assets | 74.0903% | 1,063 |
| Net loans and leases to deposits | 92.2512% | 782 |
| Net loans and leases to core deposits | 109.4399% | 511 |
| Total domestic deposits to total assets | 80.3137% | 5,688 |
| Equity capital to assets | 10.0884% | 4,030 |
| Core capital (leverage) ratio | 8.5253% | 5,550 |
| Tier 1 risk-based capital ratio | 11.8539% | 5,994 |
| Total risk-based capital ratio | 15.9407% | 4,012 |
| Memoranda: | ||
| Average total assets | $257,326,500 | 2,519 |
| Average earning assets | $212,828,500 | 2,737 |
| Average equity | $23,287,000 | 2,884 |
| Average total loans | $201,424,500 | 2,019 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 3,617 |
| Cost of funding earning assets | 1.4699% | 190 |
| Net interest margin | 2.9786% | 6,089 |
| Noninterest income to average assets | 13.9098% | 57 |
| Noninterest expense to average assets | 16.3538% | 47 |
| Loan and lease loss provision to assets | 1.0877% | 351 |
| Net operating income to assets | -1.0205% | 6,751 |
| Return on assets (ROA) | -1.0205% | 6,769 |
| Pretax return on assets | -1.0205% | 6,742 |
| Return on Equity (ROE) | -12.9036% | 6,789 |
| Retained earnings to average equity (ytd only) | -12.9036% | 6,726 |
| Net charge-offs to loans | 1.3166% | 732 |
| Credit loss provision to net charge-offs | 102.2486% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.0632% | 5,461 |
| Efficiency ratio | 99.5906% | 576 |
| Assets per employee ($millions) | 1.0512% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,153 |
| Loan loss allowance to noncurrent loans | 37.1803% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 4.5415% | 908 |
| Noncurrent loans to loans | 4.4069% | 982 |
| Net loans and leases to total assets | 79.2332% | 543 |
| Net loans and leases to deposits | 107.2747% | 199 |
| Net loans and leases to core deposits | 125.9696% | 222 |
| Total domestic deposits to total assets | 73.8600% | 6,539 |
| Equity capital to assets | 8.1620% | 6,311 |
| Core capital (leverage) ratio | 7.4522% | 6,522 |
| Tier 1 risk-based capital ratio | 10.2828% | 6,624 |
| Total risk-based capital ratio | 14.1531% | 5,117 |
| Memoranda: | ||
| Average total assets | $309,364,600 | 2,079 |
| Average earning assets | $260,826,600 | 2,229 |
| Average equity | $24,466,000 | 2,714 |
| Average total loans | $249,957,000 | 1,647 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 3,983 |
| Cost of funding earning assets | 1.5156% | 190 |
| Net interest margin | 2.9011% | 6,358 |
| Noninterest income to average assets | 14.9824% | 51 |
| Noninterest expense to average assets | 15.6892% | 51 |
| Loan and lease loss provision to assets | 1.0466% | 377 |
| Net operating income to assets | 0.7004% | 3,918 |
| Return on assets (ROA) | 0.7004% | 4,160 |
| Pretax return on assets | 0.7004% | 4,859 |
| Return on Equity (ROE) | 8.9192% | 2,839 |
| Retained earnings to average equity (ytd only) | 8.9192% | 1,258 |
| Net charge-offs to loans | 1.0887% | 947 |
| Credit loss provision to net charge-offs | 118.9021% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.9847% | 4,269 |
| Efficiency ratio | 89.9802% | 1,047 |
| Assets per employee ($millions) | 1.1616% | 7,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 2,422 |
| Loan loss allowance to noncurrent loans | 39.6636% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.7492% | 953 |
| Noncurrent loans to loans | 4.8318% | 948 |
| Net loans and leases to total assets | 75.6772% | 1,017 |
| Net loans and leases to deposits | 97.0336% | 597 |
| Net loans and leases to core deposits | 112.9222% | 465 |
| Total domestic deposits to total assets | 77.9907% | 6,076 |
| Equity capital to assets | 9.8679% | 4,684 |
| Core capital (leverage) ratio | 8.6363% | 5,573 |
| Tier 1 risk-based capital ratio | 12.4194% | 5,693 |
| Total risk-based capital ratio | 16.3072% | 3,758 |
| Memoranda: | ||
| Average total assets | $317,323,500 | 2,051 |
| Average earning assets | $268,396,500 | 2,194 |
| Average equity | $24,919,500 | 2,696 |
| Average total loans | $256,556,750 | 1,627 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 4,268 |
| Cost of funding earning assets | 1.5325% | 208 |
| Net interest margin | 2.8453% | 6,506 |
| Noninterest income to average assets | 14.4090% | 55 |
| Noninterest expense to average assets | 15.3428% | 54 |
| Loan and lease loss provision to assets | 0.9884% | 450 |
| Net operating income to assets | 0.5335% | 4,660 |
| Return on assets (ROA) | 0.5335% | 4,941 |
| Pretax return on assets | 0.5335% | 5,360 |
| Return on Equity (ROE) | 7.2985% | 3,617 |
| Retained earnings to average equity (ytd only) | 7.2985% | 1,955 |
| Net charge-offs to loans | 1.0148% | 1,089 |
| Credit loss provision to net charge-offs | 119.0029% | 2,313 |
| Earnings coverage of net charge-offs (x) | 1.8324% | 4,058 |
| Efficiency ratio | 90.9757% | 999 |
| Assets per employee ($millions) | 1.2943% | 7,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3711% | 4,569 |
| Loan loss allowance to noncurrent loans | 42.5777% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 3.4808% | 1,535 |
| Noncurrent loans to loans | 3.2202% | 1,808 |
| Net loans and leases to total assets | 80.4822% | 452 |
| Net loans and leases to deposits | 104.4298% | 270 |
| Net loans and leases to core deposits | 122.9699% | 269 |
| Total domestic deposits to total assets | 77.0682% | 6,314 |
| Equity capital to assets | 7.2050% | 6,868 |
| Core capital (leverage) ratio | 6.8853% | 6,849 |
| Tier 1 risk-based capital ratio | 10.9468% | 6,526 |
| Total risk-based capital ratio | 15.1506% | 4,497 |
| Memoranda: | ||
| Average total assets | $333,264,670 | 1,953 |
| Average earning assets | $287,629,000 | 2,074 |
| Average equity | $24,361,330 | 2,733 |
| Average total loans | $272,764,000 | 1,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 4,274 |
| Cost of funding earning assets | 1.5643% | 218 |
| Net interest margin | 2.8495% | 6,555 |
| Noninterest income to average assets | 12.9452% | 63 |
| Noninterest expense to average assets | 14.4854% | 54 |
| Loan and lease loss provision to assets | 0.3966% | 1,594 |
| Net operating income to assets | 0.5309% | 4,685 |
| Return on assets (ROA) | 0.5309% | 4,892 |
| Pretax return on assets | 0.5309% | 5,332 |
| Return on Equity (ROE) | 7.2083% | 3,653 |
| Retained earnings to average equity (ytd only) | 7.2083% | 2,320 |
| Net charge-offs to loans | 0.5836% | 1,641 |
| Credit loss provision to net charge-offs | 82.9082% | 2,679 |
| Earnings coverage of net charge-offs (x) | 1.9388% | 3,363 |
| Efficiency ratio | 93.9821% | 825 |
| Assets per employee ($millions) | 1.1629% | 7,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,518 |
| Loan loss allowance to noncurrent loans | 28.4537% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 4.9411% | 1,063 |
| Noncurrent loans to loans | 4.9892% | 1,126 |
| Net loans and leases to total assets | 77.8902% | 603 |
| Net loans and leases to deposits | 97.6881% | 453 |
| Net loans and leases to core deposits | 116.8306% | 364 |
| Total domestic deposits to total assets | 79.7335% | 5,916 |
| Equity capital to assets | 7.7539% | 6,656 |
| Core capital (leverage) ratio | 7.0453% | 6,823 |
| Tier 1 risk-based capital ratio | 11.1108% | 6,487 |
| Total risk-based capital ratio | 15.6340% | 4,158 |
| Memoranda: | ||
| Average total assets | $327,751,500 | 1,986 |
| Average earning assets | $283,841,500 | 2,107 |
| Average equity | $24,139,000 | 2,754 |
| Average total loans | $268,673,500 | 1,562 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 4,259 |
| Cost of funding earning assets | 1.4237% | 944 |
| Net interest margin | 3.2740% | 5,889 |
| Noninterest income to average assets | 12.4939% | 53 |
| Noninterest expense to average assets | 18.0224% | 36 |
| Loan and lease loss provision to assets | 0.4311% | 2,445 |
| Net operating income to assets | -3.0786% | 7,185 |
| Return on assets (ROA) | -3.0786% | 7,188 |
| Pretax return on assets | -3.0786% | 7,191 |
| Return on Equity (ROE) | -36.7213% | 7,144 |
| Retained earnings to average equity (ytd only) | -36.7213% | 7,139 |
| Net charge-offs to loans | 0.6459% | 2,534 |
| Credit loss provision to net charge-offs | 78.9066% | 4,505 |
| Earnings coverage of net charge-offs (x) | -4.8462% | 6,361 |
| Efficiency ratio | 117.2199% | 329 |
| Assets per employee ($millions) | 1.1197% | 7,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,225 |
| Loan loss allowance to noncurrent loans | 28.1645% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 4.7492% | 1,147 |
| Noncurrent loans to loans | 4.4055% | 1,365 |
| Net loans and leases to total assets | 83.6481% | 227 |
| Net loans and leases to deposits | 113.5931% | 124 |
| Net loans and leases to core deposits | 136.8227% | 186 |
| Total domestic deposits to total assets | 73.6383% | 6,758 |
| Equity capital to assets | 7.0075% | 6,961 |
| Core capital (leverage) ratio | 6.3832% | 7,003 |
| Tier 1 risk-based capital ratio | 10.5719% | 6,653 |
| Total risk-based capital ratio | 14.9235% | 4,532 |
| Memoranda: | ||
| Average total assets | $378,351,800 | 1,714 |
| Average earning assets | $332,928,000 | 1,780 |
| Average equity | $31,720,000 | 2,093 |
| Average total loans | $319,997,000 | 1,325 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 4,700 |
| Cost of funding earning assets | 1.3578% | 1,427 |
| Net interest margin | 3.2836% | 5,906 |
| Noninterest income to average assets | 14.9426% | 44 |
| Noninterest expense to average assets | 17.9469% | 38 |
| Loan and lease loss provision to assets | 0.5384% | 1,831 |
| Net operating income to assets | -0.6474% | 6,725 |
| Return on assets (ROA) | -0.6474% | 6,761 |
| Pretax return on assets | -0.6474% | 6,704 |
| Return on Equity (ROE) | -7.4531% | 6,791 |
| Retained earnings to average equity (ytd only) | -7.4531% | 6,733 |
| Net charge-offs to loans | 0.1831% | 4,335 |
| Credit loss provision to net charge-offs | 347.7778% | 811 |
| Earnings coverage of net charge-offs (x) | -0.7044% | 5,882 |
| Efficiency ratio | 100.6114% | 644 |
| Assets per employee ($millions) | 0.8064% | 7,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6384% | 3,490 |
| Loan loss allowance to noncurrent loans | 33.5970% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 5.3120% | 1,070 |
| Noncurrent loans to loans | 4.8765% | 1,300 |
| Net loans and leases to total assets | 83.0070% | 289 |
| Net loans and leases to deposits | 111.0503% | 161 |
| Net loans and leases to core deposits | 151.9272% | 130 |
| Total domestic deposits to total assets | 74.7472% | 6,671 |
| Equity capital to assets | 9.0595% | 5,677 |
| Core capital (leverage) ratio | 9.1780% | 4,663 |
| Tier 1 risk-based capital ratio | 13.7758% | 4,520 |
| Total risk-based capital ratio | 17.8499% | 2,777 |
| Memoranda: | ||
| Average total assets | $387,563,000 | 1,683 |
| Average earning assets | $341,725,250 | 1,745 |
| Average equity | $33,667,250 | 1,983 |
| Average total loans | $327,683,000 | 1,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 5,354 |
| Cost of funding earning assets | 1.2922% | 1,993 |
| Net interest margin | 3.2079% | 6,137 |
| Noninterest income to average assets | 13.5412% | 48 |
| Noninterest expense to average assets | 17.5791% | 40 |
| Loan and lease loss provision to assets | 0.4149% | 2,355 |
| Net operating income to assets | -1.6002% | 7,126 |
| Return on assets (ROA) | -1.6002% | 7,136 |
| Pretax return on assets | -1.6002% | 7,097 |
| Return on Equity (ROE) | -18.6733% | 7,137 |
| Retained earnings to average equity (ytd only) | -18.6733% | 7,119 |
| Net charge-offs to loans | 0.2642% | 3,570 |
| Credit loss provision to net charge-offs | 185.6492% | 1,627 |
| Earnings coverage of net charge-offs (x) | -5.3030% | 5,798 |
| Efficiency ratio | 107.2298% | 529 |
| Assets per employee ($millions) | 0.6625% | 7,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,789 |
| Loan loss allowance to noncurrent loans | 30.5901% | 6,225 |
| Noncurrent assets plus other real estate owned to assets | 5.1564% | 1,184 |
| Noncurrent loans to loans | 4.4374% | 1,504 |
| Net loans and leases to total assets | 85.4435% | 163 |
| Net loans and leases to deposits | 121.3778% | 83 |
| Net loans and leases to core deposits | 171.7543% | 96 |
| Total domestic deposits to total assets | 70.3947% | 7,089 |
| Equity capital to assets | 8.6635% | 5,984 |
| Core capital (leverage) ratio | 8.8775% | 4,918 |
| Tier 1 risk-based capital ratio | 13.3116% | 4,682 |
| Total risk-based capital ratio | 17.4078% | 2,871 |
| Memoranda: | ||
| Average total assets | $392,829,330 | 1,672 |
| Average earning assets | $349,322,330 | 1,714 |
| Average equity | $33,663,000 | 1,973 |
| Average total loans | $332,334,000 | 1,306 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 5,749 |
| Cost of funding earning assets | 1.2358% | 2,594 |
| Net interest margin | 3.1468% | 6,224 |
| Noninterest income to average assets | 12.7404% | 56 |
| Noninterest expense to average assets | 17.3454% | 43 |
| Loan and lease loss provision to assets | 0.7113% | 1,192 |
| Net operating income to assets | -2.5019% | 7,342 |
| Return on assets (ROA) | -2.5019% | 7,341 |
| Pretax return on assets | -2.5019% | 7,326 |
| Return on Equity (ROE) | -29.3461% | 7,312 |
| Retained earnings to average equity (ytd only) | -29.3461% | 7,284 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5119% | 468 |
| Assets per employee ($millions) | 0.6566% | 7,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,250 |
| Loan loss allowance to noncurrent loans | 27.5902% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 5.8834% | 999 |
| Noncurrent loans to loans | 5.4087% | 1,213 |
| Net loans and leases to total assets | 82.4515% | 310 |
| Net loans and leases to deposits | 108.9539% | 196 |
| Net loans and leases to core deposits | 164.6804% | 119 |
| Total domestic deposits to total assets | 75.6756% | 6,720 |
| Equity capital to assets | 8.7001% | 5,659 |
| Core capital (leverage) ratio | 8.5957% | 5,270 |
| Tier 1 risk-based capital ratio | 13.7211% | 4,260 |
| Total risk-based capital ratio | 18.0110% | 2,534 |
| Memoranda: | ||
| Average total assets | $402,090,000 | 1,644 |
| Average earning assets | $359,604,000 | 1,673 |
| Average equity | $34,280,500 | 1,933 |
| Average total loans | $336,389,500 | 1,297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9811% | 4,646 |
| Cost of funding earning assets | 1.4545% | 2,933 |
| Net interest margin | 3.5266% | 5,126 |
| Noninterest income to average assets | 13.4039% | 50 |
| Noninterest expense to average assets | 14.1117% | 53 |
| Loan and lease loss provision to assets | 1.2710% | 1,221 |
| Net operating income to assets | 1.3077% | 1,151 |
| Return on assets (ROA) | 1.3116% | 1,212 |
| Pretax return on assets | 1.3116% | 1,906 |
| Return on Equity (ROE) | 15.4866% | 648 |
| Retained earnings to average equity (ytd only) | 11.4353% | 338 |
| Net charge-offs to loans | 1.5542% | 1,408 |
| Credit loss provision to net charge-offs | 91.8483% | 5,049 |
| Earnings coverage of net charge-offs (x) | 1.8635% | 4,331 |
| Efficiency ratio | 84.5499% | 1,855 |
| Assets per employee ($millions) | 0.7438% | 7,606 |
| Cash dividends to net income (ytd only)* | 26.1600% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 5,811 |
| Loan loss allowance to noncurrent loans | 39.0171% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 3.6867% | 1,863 |
| Noncurrent loans to loans | 2.9047% | 2,621 |
| Net loans and leases to total assets | 82.6765% | 404 |
| Net loans and leases to deposits | 97.6217% | 748 |
| Net loans and leases to core deposits | 181.6178% | 104 |
| Total domestic deposits to total assets | 84.6907% | 4,003 |
| Equity capital to assets | 8.3697% | 6,045 |
| Core capital (leverage) ratio | 8.5664% | 5,249 |
| Tier 1 risk-based capital ratio | 13.6682% | 4,084 |
| Total risk-based capital ratio | 17.7027% | 2,514 |
| Memoranda: | ||
| Average total assets | $381,201,200 | 1,722 |
| Average earning assets | $355,245,600 | 1,690 |
| Average equity | $32,286,000 | 2,036 |
| Average total loans | $339,406,400 | 1,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0420% | 4,620 |
| Cost of funding earning assets | 1.4940% | 3,018 |
| Net interest margin | 3.5480% | 5,114 |
| Noninterest income to average assets | 11.6308% | 58 |
| Noninterest expense to average assets | 12.7869% | 60 |
| Loan and lease loss provision to assets | 0.5130% | 2,894 |
| Net operating income to assets | 1.6698% | 655 |
| Return on assets (ROA) | 1.6947% | 681 |
| Pretax return on assets | 1.6947% | 1,121 |
| Return on Equity (ROE) | 19.9415% | 308 |
| Retained earnings to average equity (ytd only) | 14.4001% | 247 |
| Net charge-offs to loans | 0.7551% | 2,539 |
| Credit loss provision to net charge-offs | 75.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | 3.1911% | 3,549 |
| Efficiency ratio | 85.4181% | 1,689 |
| Assets per employee ($millions) | 0.8727% | 7,705 |
| Cash dividends to net income (ytd only)* | 27.7885% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,746 |
| Loan loss allowance to noncurrent loans | 37.8975% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 4.2825% | 1,592 |
| Noncurrent loans to loans | 3.0138% | 2,645 |
| Net loans and leases to total assets | 87.7207% | 118 |
| Net loans and leases to deposits | 113.6605% | 193 |
| Net loans and leases to core deposits | 160.2192% | 149 |
| Total domestic deposits to total assets | 77.1779% | 6,445 |
| Equity capital to assets | 8.5895% | 6,171 |
| Core capital (leverage) ratio | 8.6803% | 5,220 |
| Tier 1 risk-based capital ratio | 12.7364% | 4,788 |
| Total risk-based capital ratio | 16.6451% | 3,013 |
| Memoranda: | ||
| Average total assets | $370,329,250 | 1,793 |
| Average earning assets | $348,504,250 | 1,742 |
| Average equity | $31,471,250 | 2,100 |
| Average total loans | $335,472,250 | 1,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 5,387 |
| Cost of funding earning assets | 1.5331% | 3,048 |
| Net interest margin | 3.3659% | 5,773 |
| Noninterest income to average assets | 8.6643% | 74 |
| Noninterest expense to average assets | 10.2775% | 75 |
| Loan and lease loss provision to assets | 0.3583% | 3,560 |
| Net operating income to assets | 1.2048% | 1,548 |
| Return on assets (ROA) | 1.2048% | 1,620 |
| Pretax return on assets | 1.2048% | 2,402 |
| Return on Equity (ROE) | 14.2329% | 990 |
| Retained earnings to average equity (ytd only) | 11.6610% | 540 |
| Net charge-offs to loans | 0.4771% | 3,106 |
| Credit loss provision to net charge-offs | 82.2785% | 4,647 |
| Earnings coverage of net charge-offs (x) | 3.5899% | 3,254 |
| Efficiency ratio | 86.7989% | 1,620 |
| Assets per employee ($millions) | 1.2715% | 7,743 |
| Cash dividends to net income (ytd only)* | 18.0695% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,529 |
| Loan loss allowance to noncurrent loans | 34.3551% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 4.1074% | 1,660 |
| Noncurrent loans to loans | 3.4519% | 2,301 |
| Net loans and leases to total assets | 88.9204% | 97 |
| Net loans and leases to deposits | 112.7531% | 221 |
| Net loans and leases to core deposits | 165.5193% | 148 |
| Total domestic deposits to total assets | 78.8629% | 6,073 |
| Equity capital to assets | 7.8294% | 6,899 |
| Core capital (leverage) ratio | 9.2109% | 4,284 |
| Tier 1 risk-based capital ratio | 13.8006% | 3,880 |
| Total risk-based capital ratio | 18.1264% | 2,283 |
| Memoranda: | ||
| Average total assets | $362,868,670 | 1,841 |
| Average earning assets | $342,437,670 | 1,786 |
| Average equity | $30,717,670 | 2,146 |
| Average total loans | $331,140,000 | 1,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9165% | 5,380 |
| Cost of funding earning assets | 1.6589% | 2,606 |
| Net interest margin | 3.2576% | 6,107 |
| Noninterest income to average assets | 7.5363% | 91 |
| Noninterest expense to average assets | 9.5122% | 83 |
| Loan and lease loss provision to assets | 0.3507% | 3,278 |
| Net operating income to assets | 0.7705% | 3,104 |
| Return on assets (ROA) | 0.7705% | 3,222 |
| Pretax return on assets | 0.7705% | 3,989 |
| Return on Equity (ROE) | 8.7148% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.7148% | 1,478 |
| Net charge-offs to loans | 0.6964% | 2,104 |
| Credit loss provision to net charge-offs | 54.7445% | 4,405 |
| Earnings coverage of net charge-offs (x) | 1.7500% | 3,682 |
| Efficiency ratio | 89.4557% | 1,473 |
| Assets per employee ($millions) | 1.3914% | 7,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,574 |
| Loan loss allowance to noncurrent loans | 27.3662% | 6,575 |
| Noncurrent assets plus other real estate owned to assets | 5.3694% | 1,165 |
| Noncurrent loans to loans | 5.0074% | 1,447 |
| Net loans and leases to total assets | 89.5531% | 80 |
| Net loans and leases to deposits | 105.4888% | 452 |
| Net loans and leases to core deposits | 117.4803% | 888 |
| Total domestic deposits to total assets | 84.8935% | 3,724 |
| Equity capital to assets | 9.0870% | 5,153 |
| Core capital (leverage) ratio | 9.0086% | 4,551 |
| Tier 1 risk-based capital ratio | 11.8739% | 5,323 |
| Total risk-based capital ratio | 15.8673% | 3,273 |
| Memoranda: | ||
| Average total assets | $342,130,000 | 2,004 |
| Average earning assets | $325,270,500 | 1,922 |
| Average equity | $30,247,500 | 2,203 |
| Average total loans | $314,779,500 | 1,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2245% | 1,179 |
| Cost of funding earning assets | 2.1916% | 2,074 |
| Net interest margin | 4.0329% | 2,731 |
| Noninterest income to average assets | 7.2304% | 97 |
| Noninterest expense to average assets | 8.0865% | 143 |
| Loan and lease loss provision to assets | 2.3654% | 859 |
| Net operating income to assets | 0.6787% | 3,022 |
| Return on assets (ROA) | 0.6787% | 3,074 |
| Pretax return on assets | 0.6793% | 3,646 |
| Return on Equity (ROE) | 9.5040% | 1,855 |
| Retained earnings to average equity (ytd only) | 2.2874% | 3,513 |
| Net charge-offs to loans | 1.6442% | 1,541 |
| Credit loss provision to net charge-offs | 159.6948% | 2,802 |
| Earnings coverage of net charge-offs (x) | 2.0555% | 4,184 |
| Efficiency ratio | 72.6473% | 4,160 |
| Assets per employee ($millions) | 3.7219% | 4,470 |
| Cash dividends to net income (ytd only)* | 75.9325% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,331 |
| Loan loss allowance to noncurrent loans | 29.8213% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 4.9084% | 1,267 |
| Noncurrent loans to loans | 4.6314% | 1,518 |
| Net loans and leases to total assets | 91.8993% | 38 |
| Net loans and leases to deposits | 105.3318% | 584 |
| Net loans and leases to core deposits | 143.5027% | 692 |
| Total domestic deposits to total assets | 87.2474% | 2,358 |
| Equity capital to assets | 8.6005% | 5,726 |
| Core capital (leverage) ratio | 8.6239% | 5,060 |
| Tier 1 risk-based capital ratio | 11.5794% | 5,317 |
| Total risk-based capital ratio | 15.5659% | 3,262 |
| Memoranda: | ||
| Average total assets | $331,822,600 | 2,044 |
| Average earning assets | $320,959,400 | 1,942 |
| Average equity | $23,695,400 | 2,767 |
| Average total loans | $298,933,000 | 1,607 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2324% | 1,290 |
| Cost of funding earning assets | 2.2833% | 2,052 |
| Net interest margin | 3.9490% | 3,040 |
| Noninterest income to average assets | 5.9158% | 126 |
| Noninterest expense to average assets | 6.9601% | 204 |
| Loan and lease loss provision to assets | 1.3461% | 1,438 |
| Net operating income to assets | 1.4318% | 963 |
| Return on assets (ROA) | 1.4318% | 1,023 |
| Pretax return on assets | 1.4326% | 1,617 |
| Return on Equity (ROE) | 21.1928% | 245 |
| Retained earnings to average equity (ytd only) | 10.9121% | 483 |
| Net charge-offs to loans | 0.1583% | 5,121 |
| Credit loss provision to net charge-offs | 952.2989% | 395 |
| Earnings coverage of net charge-offs (x) | 19.6580% | 1,274 |
| Efficiency ratio | 71.4673% | 4,333 |
| Assets per employee ($millions) | 2.6602% | 6,929 |
| Cash dividends to net income (ytd only)* | 48.5106% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,416 |
| Loan loss allowance to noncurrent loans | 68.9989% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.6509% | 2,624 |
| Noncurrent loans to loans | 2.1790% | 3,409 |
| Net loans and leases to total assets | 87.0062% | 273 |
| Net loans and leases to deposits | 97.2652% | 1,405 |
| Net loans and leases to core deposits | 132.5070% | 1,308 |
| Total domestic deposits to total assets | 89.4526% | 991 |
| Equity capital to assets | 8.1209% | 6,719 |
| Core capital (leverage) ratio | 7.4157% | 7,062 |
| Tier 1 risk-based capital ratio | 10.8106% | 6,145 |
| Total risk-based capital ratio | 14.8599% | 3,714 |
| Memoranda: | ||
| Average total assets | $328,243,000 | 2,080 |
| Average earning assets | $317,774,500 | 1,982 |
| Average equity | $22,176,750 | 2,952 |
| Average total loans | $293,027,250 | 1,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1406% | 1,647 |
| Cost of funding earning assets | 2.2551% | 2,552 |
| Net interest margin | 3.8855% | 3,179 |
| Noninterest income to average assets | 6.0700% | 116 |
| Noninterest expense to average assets | 5.9248% | 327 |
| Loan and lease loss provision to assets | 1.9161% | 856 |
| Net operating income to assets | 1.9936% | 301 |
| Return on assets (ROA) | 1.9936% | 334 |
| Pretax return on assets | 1.9948% | 577 |
| Return on Equity (ROE) | 31.7279% | 56 |
| Retained earnings to average equity (ytd only) | 14.9826% | 207 |
| Net charge-offs to loans | 0.0014% | 6,613 |
| Credit loss provision to net charge-offs | 155,700.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 3,178.0000% | 6 |
| Efficiency ratio | 60.2377% | 6,509 |
| Assets per employee ($millions) | 3.4683% | 4,899 |
| Cash dividends to net income (ytd only)* | 52.7778% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 3,617 |
| Loan loss allowance to noncurrent loans | 61.5927% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 2.6385% | 2,433 |
| Noncurrent loans to loans | 2.3069% | 3,128 |
| Net loans and leases to total assets | 85.0258% | 505 |
| Net loans and leases to deposits | 93.6965% | 2,140 |
| Net loans and leases to core deposits | 130.3040% | 1,534 |
| Total domestic deposits to total assets | 90.7459% | 537 |
| Equity capital to assets | 7.0874% | 7,556 |
| Core capital (leverage) ratio | 7.4212% | 7,112 |
| Tier 1 risk-based capital ratio | 10.0144% | 6,903 |
| Total risk-based capital ratio | 13.8865% | 4,327 |
| Memoranda: | ||
| Average total assets | $325,042,000 | 2,122 |
| Average earning assets | $315,019,000 | 2,022 |
| Average equity | $20,423,670 | 3,185 |
| Average total loans | $291,225,000 | 1,700 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3076% | 1,279 |
| Cost of funding earning assets | 2.4472% | 2,115 |
| Net interest margin | 3.8603% | 3,210 |
| Noninterest income to average assets | 3.9713% | 166 |
| Noninterest expense to average assets | 3.7690% | 1,530 |
| Loan and lease loss provision to assets | 3.2344% | 333 |
| Net operating income to assets | 0.6940% | 3,590 |
| Return on assets (ROA) | 0.6940% | 3,775 |
| Pretax return on assets | 0.6940% | 4,452 |
| Return on Equity (ROE) | 12.0196% | 1,654 |
| Retained earnings to average equity (ytd only) | 2.6452% | 4,410 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9643% | 7,667 |
| Assets per employee ($millions) | 4.1556% | 3,349 |
| Cash dividends to net income (ytd only)* | 77.9923% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3834% | 3,593 |
| Loan loss allowance to noncurrent loans | 47.9878% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.3733% | 1,616 |
| Noncurrent loans to loans | 2.8827% | 2,267 |
| Net loans and leases to total assets | 87.6671% | 294 |
| Net loans and leases to deposits | 95.0812% | 2,098 |
| Net loans and leases to core deposits | 132.6249% | 1,495 |
| Total domestic deposits to total assets | 92.2024% | 157 |
| Equity capital to assets | 5.4119% | 8,080 |
| Core capital (leverage) ratio | 5.7356% | 8,048 |
| Tier 1 risk-based capital ratio | 6.9684% | 8,099 |
| Total risk-based capital ratio | 11.0322% | 7,070 |
| Memoranda: | ||
| Average total assets | $298,538,500 | 2,277 |
| Average earning assets | $288,161,500 | 2,191 |
| Average equity | $17,238,500 | 3,688 |
| Average total loans | $273,801,500 | 1,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8339% | 1,571 |
| Cost of funding earning assets | 3.6255% | 348 |
| Net interest margin | 3.2085% | 6,341 |
| Noninterest income to average assets | 0.8596% | 2,166 |
| Noninterest expense to average assets | 2.9921% | 4,100 |
| Loan and lease loss provision to assets | 0.1623% | 5,304 |
| Net operating income to assets | 0.8149% | 3,368 |
| Return on assets (ROA) | 0.8241% | 3,175 |
| Pretax return on assets | 0.8146% | 4,014 |
| Return on Equity (ROE) | 12.8341% | 1,374 |
| Retained earnings to average equity (ytd only) | 1.2549% | 4,468 |
| Net charge-offs to loans | 0.0206% | 6,573 |
| Credit loss provision to net charge-offs | 850.0000% | 518 |
| Earnings coverage of net charge-offs (x) | 50.6800% | 755 |
| Efficiency ratio | 75.5618% | 3,313 |
| Assets per employee ($millions) | 3.1488% | 5,627 |
| Cash dividends to net income (ytd only)* | 90.2224% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 7,713 |
| Loan loss allowance to noncurrent loans | 144.1706% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 4,098 |
| Noncurrent loans to loans | 0.4009% | 6,149 |
| Net loans and leases to total assets | 94.4182% | 25 |
| Net loans and leases to deposits | 116.9381% | 479 |
| Net loans and leases to core deposits | 151.6455% | 794 |
| Total domestic deposits to total assets | 80.7420% | 4,754 |
| Equity capital to assets | 6.1928% | 8,022 |
| Core capital (leverage) ratio | 6.4743% | 7,943 |
| Tier 1 risk-based capital ratio | 7.3636% | 8,143 |
| Total risk-based capital ratio | 11.0020% | 6,913 |
| Memoranda: | ||
| Average total assets | $261,860,000 | 2,450 |
| Average earning assets | $253,016,200 | 2,346 |
| Average equity | $16,814,600 | 3,769 |
| Average total loans | $242,669,400 | 1,950 |