Home > Greer State Bank > Performance and Condition Ratios
Greer State Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 4,520 |
| Cost of funding earning assets | 0.5059% | 2,044 |
| Net interest margin | 3.0883% | 4,759 |
| Noninterest income to average assets | 0.8816% | 1,475 |
| Noninterest expense to average assets | 2.7630% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7882% | 3,360 |
| Return on assets (ROA) | 0.8631% | 3,122 |
| Pretax return on assets | 1.1104% | 3,061 |
| Return on Equity (ROE) | 7.9371% | 2,975 |
| Retained earnings to average equity (ytd only) | 0.6287% | 5,076 |
| Net charge-offs to loans | -0.0328% | 5,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1465% | 2,404 |
| Assets per employee ($millions) | 4.5467% | 3,047 |
| Cash dividends to net income (ytd only)* | 92.0795% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4633% | 1,824 |
| Loan loss allowance to noncurrent loans | 46.9530% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 851 |
| Noncurrent loans to loans | 3.1165% | 424 |
| Net loans and leases to total assets | 55.4059% | 4,316 |
| Net loans and leases to deposits | 70.7109% | 3,836 |
| Net loans and leases to core deposits | 74.1731% | 3,907 |
| Total domestic deposits to total assets | 78.3555% | 4,924 |
| Equity capital to assets | 10.5728% | 3,071 |
| Core capital (leverage) ratio | 10.4804% | 2,896 |
| Tier 1 risk-based capital ratio | 15.0715% | 2,938 |
| Total risk-based capital ratio | 16.2559% | 2,902 |
| Memoranda: | ||
| Average total assets | $378,865,600 | 1,770 |
| Average earning assets | $355,238,600 | 1,748 |
| Average equity | $41,198,800 | 1,794 |
| Average total loans | $210,535,400 | 2,043 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,582 |
| Cost of funding earning assets | 0.5089% | 2,025 |
| Net interest margin | 3.0813% | 4,822 |
| Noninterest income to average assets | 0.8944% | 1,426 |
| Noninterest expense to average assets | 2.7321% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8074% | 3,331 |
| Return on assets (ROA) | 0.9046% | 3,020 |
| Pretax return on assets | 1.1792% | 2,921 |
| Return on Equity (ROE) | 8.2617% | 2,873 |
| Retained earnings to average equity (ytd only) | -1.4064% | 5,543 |
| Net charge-offs to loans | 0.0127% | 3,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 149.7274% | 463 |
| Efficiency ratio | 72.1809% | 2,554 |
| Assets per employee ($millions) | 4.5765% | 2,962 |
| Cash dividends to net income (ytd only)* | 117.0231% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 2,078 |
| Loan loss allowance to noncurrent loans | 55.8312% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 1,281 |
| Noncurrent loans to loans | 2.5544% | 673 |
| Net loans and leases to total assets | 54.8799% | 4,418 |
| Net loans and leases to deposits | 70.3923% | 3,953 |
| Net loans and leases to core deposits | 73.5863% | 4,031 |
| Total domestic deposits to total assets | 77.9629% | 4,920 |
| Equity capital to assets | 10.9777% | 3,031 |
| Core capital (leverage) ratio | 10.3179% | 3,210 |
| Tier 1 risk-based capital ratio | 14.7873% | 3,148 |
| Total risk-based capital ratio | 15.9369% | 3,137 |
| Memoranda: | ||
| Average total assets | $379,238,250 | 1,771 |
| Average earning assets | $355,774,500 | 1,746 |
| Average equity | $41,523,750 | 1,796 |
| Average total loans | $210,121,000 | 2,052 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 4,641 |
| Cost of funding earning assets | 0.5224% | 1,924 |
| Net interest margin | 3.0625% | 4,938 |
| Noninterest income to average assets | 0.8406% | 1,582 |
| Noninterest expense to average assets | 2.7591% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7423% | 3,587 |
| Return on assets (ROA) | 0.8506% | 3,215 |
| Pretax return on assets | 1.0907% | 3,235 |
| Return on Equity (ROE) | 7.7752% | 3,101 |
| Retained earnings to average equity (ytd only) | -6.2655% | 5,797 |
| Net charge-offs to loans | 0.0286% | 2,911 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 60.1333% | 879 |
| Efficiency ratio | 74.3495% | 2,312 |
| Assets per employee ($millions) | 4.4304% | 3,160 |
| Cash dividends to net income (ytd only)* | 180.5831% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 2,190 |
| Loan loss allowance to noncurrent loans | 52.8946% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 1.5203% | 1,252 |
| Noncurrent loans to loans | 2.6935% | 605 |
| Net loans and leases to total assets | 55.2294% | 4,392 |
| Net loans and leases to deposits | 71.3830% | 3,847 |
| Net loans and leases to core deposits | 74.9594% | 3,910 |
| Total domestic deposits to total assets | 77.3705% | 5,106 |
| Equity capital to assets | 10.9661% | 3,099 |
| Core capital (leverage) ratio | 10.0892% | 3,460 |
| Tier 1 risk-based capital ratio | 14.6732% | 3,218 |
| Total risk-based capital ratio | 15.8265% | 3,206 |
| Memoranda: | ||
| Average total assets | $379,034,000 | 1,765 |
| Average earning assets | $355,260,670 | 1,747 |
| Average equity | $41,465,330 | 1,789 |
| Average total loans | $209,668,670 | 2,057 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5679% | 4,717 |
| Cost of funding earning assets | 0.5267% | 1,895 |
| Net interest margin | 3.0413% | 5,025 |
| Noninterest income to average assets | 0.8037% | 1,603 |
| Noninterest expense to average assets | 2.6077% | 3,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8279% | 3,109 |
| Return on assets (ROA) | 0.8279% | 3,236 |
| Pretax return on assets | 1.0509% | 3,272 |
| Return on Equity (ROE) | 7.5764% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.5560% | 2,105 |
| Net charge-offs to loans | 0.0115% | 2,745 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 364 |
| Efficiency ratio | 71.2766% | 2,906 |
| Assets per employee ($millions) | 4.5851% | 2,924 |
| Cash dividends to net income (ytd only)* | 13.4689% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4360% | 2,262 |
| Loan loss allowance to noncurrent loans | 53.0369% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 1,314 |
| Noncurrent loans to loans | 2.7075% | 656 |
| Net loans and leases to total assets | 53.9983% | 4,454 |
| Net loans and leases to deposits | 71.0902% | 3,740 |
| Net loans and leases to core deposits | 74.5589% | 3,833 |
| Total domestic deposits to total assets | 75.9575% | 5,412 |
| Equity capital to assets | 11.0459% | 2,890 |
| Core capital (leverage) ratio | 10.5815% | 2,871 |
| Tier 1 risk-based capital ratio | 15.2015% | 3,066 |
| Total risk-based capital ratio | 16.3466% | 3,050 |
| Memoranda: | ||
| Average total assets | $380,261,000 | 1,761 |
| Average earning assets | $356,956,000 | 1,740 |
| Average equity | $41,550,000 | 1,776 |
| Average total loans | $209,008,500 | 2,062 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6638% | 4,475 |
| Cost of funding earning assets | 0.5293% | 1,931 |
| Net interest margin | 3.1344% | 4,824 |
| Noninterest income to average assets | 0.9049% | 1,435 |
| Noninterest expense to average assets | 2.7186% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8518% | 3,107 |
| Return on assets (ROA) | 0.9372% | 2,756 |
| Pretax return on assets | 1.2258% | 2,568 |
| Return on Equity (ROE) | 8.7461% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.9795% | 1,288 |
| Net charge-offs to loans | -0.0653% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9452% | 3,079 |
| Assets per employee ($millions) | 4.3648% | 3,279 |
| Cash dividends to net income (ytd only)* | 20.1985% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,148 |
| Loan loss allowance to noncurrent loans | 50.3900% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 1.6892% | 1,152 |
| Noncurrent loans to loans | 2.9104% | 565 |
| Net loans and leases to total assets | 54.3398% | 4,474 |
| Net loans and leases to deposits | 73.9954% | 3,495 |
| Net loans and leases to core deposits | 78.1211% | 3,539 |
| Total domestic deposits to total assets | 73.4367% | 5,692 |
| Equity capital to assets | 10.8044% | 3,024 |
| Core capital (leverage) ratio | 10.5022% | 2,925 |
| Tier 1 risk-based capital ratio | 14.5387% | 3,429 |
| Total risk-based capital ratio | 15.6725% | 3,394 |
| Memoranda: | ||
| Average total assets | $365,549,200 | 1,792 |
| Average earning assets | $341,370,200 | 1,779 |
| Average equity | $39,171,600 | 1,838 |
| Average total loans | $200,673,200 | 2,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,480 |
| Cost of funding earning assets | 0.5526% | 1,780 |
| Net interest margin | 3.1269% | 4,891 |
| Noninterest income to average assets | 0.8886% | 1,483 |
| Noninterest expense to average assets | 2.7063% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8174% | 3,345 |
| Return on assets (ROA) | 0.9290% | 2,898 |
| Pretax return on assets | 1.2503% | 2,600 |
| Return on Equity (ROE) | 8.6883% | 2,738 |
| Retained earnings to average equity (ytd only) | 6.6038% | 1,884 |
| Net charge-offs to loans | -0.0804% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1115% | 3,025 |
| Assets per employee ($millions) | 4.2605% | 3,403 |
| Cash dividends to net income (ytd only)* | 23.9920% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 2,122 |
| Loan loss allowance to noncurrent loans | 48.0846% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8302% | 1,160 |
| Noncurrent loans to loans | 3.1382% | 540 |
| Net loans and leases to total assets | 53.2665% | 4,643 |
| Net loans and leases to deposits | 71.5226% | 3,822 |
| Net loans and leases to core deposits | 75.5376% | 3,849 |
| Total domestic deposits to total assets | 74.4751% | 5,668 |
| Equity capital to assets | 10.7934% | 3,249 |
| Core capital (leverage) ratio | 10.4935% | 3,055 |
| Tier 1 risk-based capital ratio | 14.5292% | 3,551 |
| Total risk-based capital ratio | 15.6822% | 3,524 |
| Memoranda: | ||
| Average total assets | $363,092,750 | 1,814 |
| Average earning assets | $338,726,000 | 1,807 |
| Average equity | $38,825,250 | 1,872 |
| Average total loans | $199,088,000 | 2,080 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 4,357 |
| Cost of funding earning assets | 0.5580% | 1,756 |
| Net interest margin | 3.1600% | 4,787 |
| Noninterest income to average assets | 0.8825% | 1,498 |
| Noninterest expense to average assets | 2.7279% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8098% | 3,328 |
| Return on assets (ROA) | 0.9718% | 2,636 |
| Pretax return on assets | 1.3229% | 2,275 |
| Return on Equity (ROE) | 9.1176% | 2,477 |
| Retained earnings to average equity (ytd only) | 7.7801% | 1,352 |
| Net charge-offs to loans | -0.0171% | 5,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2444% | 3,120 |
| Assets per employee ($millions) | 4.3938% | 3,149 |
| Cash dividends to net income (ytd only)* | 14.6689% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 2,469 |
| Loan loss allowance to noncurrent loans | 41.3437% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 1,070 |
| Noncurrent loans to loans | 3.5270% | 495 |
| Net loans and leases to total assets | 54.1641% | 4,535 |
| Net loans and leases to deposits | 73.5113% | 3,553 |
| Net loans and leases to core deposits | 77.7255% | 3,608 |
| Total domestic deposits to total assets | 73.6813% | 5,818 |
| Equity capital to assets | 10.5205% | 3,418 |
| Core capital (leverage) ratio | 10.4344% | 3,042 |
| Tier 1 risk-based capital ratio | 15.0324% | 3,341 |
| Total risk-based capital ratio | 16.1982% | 3,320 |
| Memoranda: | ||
| Average total assets | $360,570,000 | 1,839 |
| Average earning assets | $336,201,330 | 1,831 |
| Average equity | $38,431,330 | 1,895 |
| Average total loans | $198,629,670 | 2,099 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,335 |
| Cost of funding earning assets | 0.5563% | 1,788 |
| Net interest margin | 3.1511% | 4,783 |
| Noninterest income to average assets | 0.8044% | 1,697 |
| Noninterest expense to average assets | 2.6688% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7818% | 3,355 |
| Return on assets (ROA) | 0.9830% | 2,463 |
| Pretax return on assets | 1.3500% | 2,073 |
| Return on Equity (ROE) | 9.1619% | 2,374 |
| Retained earnings to average equity (ytd only) | 8.2884% | 1,461 |
| Net charge-offs to loans | -0.0182% | 4,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2966% | 3,285 |
| Assets per employee ($millions) | 4.2801% | 3,412 |
| Cash dividends to net income (ytd only)* | 9.5346% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 2,698 |
| Loan loss allowance to noncurrent loans | 47.4052% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8293% | 1,336 |
| Noncurrent loans to loans | 3.0509% | 698 |
| Net loans and leases to total assets | 54.5801% | 4,362 |
| Net loans and leases to deposits | 75.5612% | 3,111 |
| Net loans and leases to core deposits | 79.8910% | 3,178 |
| Total domestic deposits to total assets | 72.2329% | 6,033 |
| Equity capital to assets | 10.7192% | 3,297 |
| Core capital (leverage) ratio | 10.3406% | 3,176 |
| Tier 1 risk-based capital ratio | 15.0048% | 3,433 |
| Total risk-based capital ratio | 16.1867% | 3,399 |
| Memoranda: | ||
| Average total assets | $358,511,000 | 1,851 |
| Average earning assets | $334,355,500 | 1,839 |
| Average equity | $38,463,500 | 1,904 |
| Average total loans | $197,718,000 | 2,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 4,147 |
| Cost of funding earning assets | 0.6895% | 1,155 |
| Net interest margin | 3.2025% | 4,912 |
| Noninterest income to average assets | 0.7258% | 2,186 |
| Noninterest expense to average assets | 2.6916% | 3,898 |
| Loan and lease loss provision to assets | -0.2285% | 6,318 |
| Net operating income to assets | 0.8451% | 3,138 |
| Return on assets (ROA) | 1.0418% | 2,279 |
| Pretax return on assets | 1.5031% | 1,531 |
| Return on Equity (ROE) | 10.2346% | 2,016 |
| Retained earnings to average equity (ytd only) | -10.8479% | 6,331 |
| Net charge-offs to loans | -0.2465% | 6,298 |
| Credit loss provision to net charge-offs | 176.3441% | 1,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1203% | 3,004 |
| Assets per employee ($millions) | 4.0600% | 3,809 |
| Cash dividends to net income (ytd only)* | 205.9925% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 2,487 |
| Loan loss allowance to noncurrent loans | 136.2570% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 3,261 |
| Noncurrent loans to loans | 1.0992% | 2,634 |
| Net loans and leases to total assets | 54.0891% | 4,568 |
| Net loans and leases to deposits | 77.9120% | 2,985 |
| Net loans and leases to core deposits | 82.5075% | 3,043 |
| Total domestic deposits to total assets | 69.4233% | 6,218 |
| Equity capital to assets | 10.7384% | 3,190 |
| Core capital (leverage) ratio | 10.1070% | 3,430 |
| Tier 1 risk-based capital ratio | 15.5068% | 3,229 |
| Total risk-based capital ratio | 16.7554% | 3,160 |
| Memoranda: | ||
| Average total assets | $358,786,800 | 1,822 |
| Average earning assets | $331,088,200 | 1,813 |
| Average equity | $36,523,200 | 1,924 |
| Average total loans | $188,610,800 | 2,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 4,164 |
| Cost of funding earning assets | 0.7238% | 1,026 |
| Net interest margin | 3.1785% | 5,033 |
| Noninterest income to average assets | 0.6545% | 2,553 |
| Noninterest expense to average assets | 2.6608% | 3,981 |
| Loan and lease loss provision to assets | -0.2591% | 6,434 |
| Net operating income to assets | 0.8173% | 3,356 |
| Return on assets (ROA) | 1.0406% | 2,337 |
| Pretax return on assets | 1.5025% | 1,639 |
| Return on Equity (ROE) | 10.3615% | 2,048 |
| Retained earnings to average equity (ytd only) | -18.0211% | 6,473 |
| Net charge-offs to loans | -0.2684% | 6,369 |
| Credit loss provision to net charge-offs | 185.6764% | 1,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3099% | 2,771 |
| Assets per employee ($millions) | 4.1269% | 3,608 |
| Cash dividends to net income (ytd only)* | 273.9236% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 2,460 |
| Loan loss allowance to noncurrent loans | 182.8767% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 3,749 |
| Noncurrent loans to loans | 0.8528% | 3,434 |
| Net loans and leases to total assets | 51.6338% | 4,845 |
| Net loans and leases to deposits | 72.5467% | 3,622 |
| Net loans and leases to core deposits | 77.0402% | 3,630 |
| Total domestic deposits to total assets | 71.1732% | 6,224 |
| Equity capital to assets | 10.0158% | 4,147 |
| Core capital (leverage) ratio | 9.6887% | 4,096 |
| Tier 1 risk-based capital ratio | 15.2866% | 3,428 |
| Total risk-based capital ratio | 16.5368% | 3,368 |
| Memoranda: | ||
| Average total assets | $360,179,250 | 1,822 |
| Average earning assets | $331,595,500 | 1,823 |
| Average equity | $36,171,500 | 1,948 |
| Average total loans | $187,274,250 | 2,153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 4,063 |
| Cost of funding earning assets | 0.7323% | 1,009 |
| Net interest margin | 3.1855% | 4,986 |
| Noninterest income to average assets | 0.5858% | 2,890 |
| Noninterest expense to average assets | 2.5666% | 4,365 |
| Loan and lease loss provision to assets | -0.3883% | 6,556 |
| Net operating income to assets | 0.9060% | 2,774 |
| Return on assets (ROA) | 1.1244% | 1,926 |
| Pretax return on assets | 1.6530% | 1,132 |
| Return on Equity (ROE) | 11.1860% | 1,676 |
| Retained earnings to average equity (ytd only) | -21.9250% | 6,544 |
| Net charge-offs to loans | -0.4044% | 6,486 |
| Credit loss provision to net charge-offs | 185.1852% | 1,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1195% | 3,135 |
| Assets per employee ($millions) | 4.1646% | 3,520 |
| Cash dividends to net income (ytd only)* | 296.0039% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5530% | 2,658 |
| Loan loss allowance to noncurrent loans | 181.1344% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 3,233 |
| Noncurrent loans to loans | 0.8574% | 3,557 |
| Net loans and leases to total assets | 51.4047% | 4,807 |
| Net loans and leases to deposits | 71.0210% | 3,700 |
| Net loans and leases to core deposits | 75.3776% | 3,696 |
| Total domestic deposits to total assets | 72.3796% | 6,222 |
| Equity capital to assets | 10.2068% | 3,815 |
| Core capital (leverage) ratio | 9.9160% | 3,721 |
| Tier 1 risk-based capital ratio | 15.6035% | 3,296 |
| Total risk-based capital ratio | 16.6063% | 3,387 |
| Memoranda: | ||
| Average total assets | $360,557,670 | 1,817 |
| Average earning assets | $331,000,330 | 1,821 |
| Average equity | $36,241,670 | 1,936 |
| Average total loans | $186,924,000 | 2,160 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 4,070 |
| Cost of funding earning assets | 0.7402% | 1,013 |
| Net interest margin | 3.1642% | 5,038 |
| Noninterest income to average assets | 0.5216% | 3,257 |
| Noninterest expense to average assets | 2.5056% | 4,603 |
| Loan and lease loss provision to assets | -0.7785% | 6,692 |
| Net operating income to assets | 1.1411% | 1,661 |
| Return on assets (ROA) | 1.5725% | 731 |
| Pretax return on assets | 2.3432% | 287 |
| Return on Equity (ROE) | 15.7672% | 668 |
| Retained earnings to average equity (ytd only) | -51.1374% | 6,674 |
| Net charge-offs to loans | -0.8224% | 6,609 |
| Credit loss provision to net charge-offs | 183.2461% | 1,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1256% | 3,292 |
| Assets per employee ($millions) | 4.3547% | 3,240 |
| Cash dividends to net income (ytd only)* | 424.3281% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 2,718 |
| Loan loss allowance to noncurrent loans | 197.9812% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 3,198 |
| Noncurrent loans to loans | 0.8068% | 3,862 |
| Net loans and leases to total assets | 50.1466% | 4,895 |
| Net loans and leases to deposits | 68.0039% | 3,855 |
| Net loans and leases to core deposits | 72.1928% | 3,857 |
| Total domestic deposits to total assets | 73.7409% | 6,264 |
| Equity capital to assets | 9.5071% | 4,490 |
| Core capital (leverage) ratio | 9.6873% | 4,011 |
| Tier 1 risk-based capital ratio | 15.5071% | 3,430 |
| Total risk-based capital ratio | 16.7576% | 3,397 |
| Memoranda: | ||
| Average total assets | $359,677,000 | 1,828 |
| Average earning assets | $330,193,500 | 1,825 |
| Average equity | $35,872,000 | 1,946 |
| Average total loans | $185,792,500 | 2,174 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9184% | 4,395 |
| Cost of funding earning assets | 0.7997% | 1,209 |
| Net interest margin | 3.1187% | 5,261 |
| Noninterest income to average assets | 0.6662% | 2,727 |
| Noninterest expense to average assets | 2.5516% | 4,607 |
| Loan and lease loss provision to assets | -0.4705% | 6,734 |
| Net operating income to assets | 2.5071% | 166 |
| Return on assets (ROA) | 2.5403% | 166 |
| Pretax return on assets | 1.4882% | 1,482 |
| Return on Equity (ROE) | 25.3936% | 116 |
| Retained earnings to average equity (ytd only) | 25.3936% | 45 |
| Net charge-offs to loans | -0.2780% | 6,663 |
| Credit loss provision to net charge-offs | 320.1507% | 724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1587% | 3,446 |
| Assets per employee ($millions) | 4.4740% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,268 |
| Loan loss allowance to noncurrent loans | 127.7429% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3486% | 2,729 |
| Noncurrent loans to loans | 1.3618% | 2,861 |
| Net loans and leases to total assets | 51.4461% | 4,924 |
| Net loans and leases to deposits | 72.5947% | 3,445 |
| Net loans and leases to core deposits | 77.4337% | 3,431 |
| Total domestic deposits to total assets | 70.8676% | 6,484 |
| Equity capital to assets | 10.4443% | 3,231 |
| Core capital (leverage) ratio | 10.7830% | 2,589 |
| Tier 1 risk-based capital ratio | 16.3558% | 2,931 |
| Total risk-based capital ratio | 17.6073% | 2,881 |
| Memoranda: | ||
| Average total assets | $361,299,600 | 1,796 |
| Average earning assets | $332,483,200 | 1,794 |
| Average equity | $36,143,000 | 1,911 |
| Average total loans | $190,977,600 | 2,089 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 4,507 |
| Cost of funding earning assets | 0.8108% | 1,269 |
| Net interest margin | 3.0874% | 5,355 |
| Noninterest income to average assets | 0.7496% | 2,370 |
| Noninterest expense to average assets | 2.6372% | 4,252 |
| Loan and lease loss provision to assets | -0.6259% | 6,846 |
| Net operating income to assets | 3.0175% | 105 |
| Return on assets (ROA) | 3.0617% | 101 |
| Pretax return on assets | 1.6269% | 1,276 |
| Return on Equity (ROE) | 30.9425% | 63 |
| Retained earnings to average equity (ytd only) | 30.9425% | 31 |
| Net charge-offs to loans | -0.1160% | 6,526 |
| Credit loss provision to net charge-offs | 1,017.9641% | 302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3764% | 3,160 |
| Assets per employee ($millions) | 4.6087% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5132% | 3,400 |
| Loan loss allowance to noncurrent loans | 87.2026% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 2,474 |
| Noncurrent loans to loans | 1.7353% | 2,591 |
| Net loans and leases to total assets | 51.7676% | 4,899 |
| Net loans and leases to deposits | 71.1703% | 3,616 |
| Net loans and leases to core deposits | 75.6782% | 3,650 |
| Total domestic deposits to total assets | 72.7376% | 6,451 |
| Equity capital to assets | 10.3735% | 3,426 |
| Core capital (leverage) ratio | 10.4652% | 3,042 |
| Tier 1 risk-based capital ratio | 15.8001% | 3,299 |
| Total risk-based capital ratio | 17.0131% | 3,273 |
| Memoranda: | ||
| Average total assets | $362,145,000 | 1,803 |
| Average earning assets | $333,650,750 | 1,794 |
| Average equity | $35,833,250 | 1,938 |
| Average total loans | $191,873,250 | 2,078 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 4,583 |
| Cost of funding earning assets | 0.8261% | 1,278 |
| Net interest margin | 3.0461% | 5,444 |
| Noninterest income to average assets | 0.7995% | 2,186 |
| Noninterest expense to average assets | 2.6844% | 4,087 |
| Loan and lease loss provision to assets | -0.9405% | 6,914 |
| Net operating income to assets | 4.0299% | 59 |
| Return on assets (ROA) | 4.0963% | 60 |
| Pretax return on assets | 1.9331% | 691 |
| Return on Equity (ROE) | 42.0825% | 29 |
| Retained earnings to average equity (ytd only) | 42.0825% | 12 |
| Net charge-offs to loans | -0.1948% | 6,656 |
| Credit loss provision to net charge-offs | 909.0909% | 335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3488% | 3,064 |
| Assets per employee ($millions) | 4.7112% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,351 |
| Loan loss allowance to noncurrent loans | 80.5747% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.9242% | 2,255 |
| Noncurrent loans to loans | 1.9271% | 2,477 |
| Net loans and leases to total assets | 50.3093% | 5,073 |
| Net loans and leases to deposits | 69.2182% | 3,828 |
| Net loans and leases to core deposits | 73.3401% | 3,891 |
| Total domestic deposits to total assets | 72.6821% | 6,521 |
| Equity capital to assets | 10.1813% | 3,685 |
| Core capital (leverage) ratio | 10.5225% | 2,854 |
| Tier 1 risk-based capital ratio | 15.6431% | 3,400 |
| Total risk-based capital ratio | 16.8744% | 3,361 |
| Memoranda: | ||
| Average total assets | $361,496,330 | 1,812 |
| Average earning assets | $333,608,000 | 1,797 |
| Average equity | $35,188,000 | 1,977 |
| Average total loans | $192,038,670 | 2,082 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 4,336 |
| Cost of funding earning assets | 0.8520% | 1,243 |
| Net interest margin | 3.0868% | 5,315 |
| Noninterest income to average assets | 0.7375% | 2,390 |
| Noninterest expense to average assets | 2.7012% | 4,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8535% | 2,885 |
| Return on assets (ROA) | 0.9807% | 2,442 |
| Pretax return on assets | 1.0321% | 3,218 |
| Return on Equity (ROE) | 10.3184% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.3184% | 1,030 |
| Net charge-offs to loans | -0.1421% | 6,583 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0465% | 3,093 |
| Assets per employee ($millions) | 4.3571% | 3,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 1,336 |
| Loan loss allowance to noncurrent loans | 125.1182% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 2.2347% | 2,086 |
| Noncurrent loans to loans | 1.8767% | 2,763 |
| Net loans and leases to total assets | 52.3577% | 4,650 |
| Net loans and leases to deposits | 68.6906% | 3,680 |
| Net loans and leases to core deposits | 73.0698% | 3,697 |
| Total domestic deposits to total assets | 76.2225% | 6,341 |
| Equity capital to assets | 9.6222% | 4,676 |
| Core capital (leverage) ratio | 9.3124% | 4,380 |
| Tier 1 risk-based capital ratio | 14.5879% | 4,115 |
| Total risk-based capital ratio | 15.8464% | 4,071 |
| Memoranda: | ||
| Average total assets | $358,506,000 | 1,846 |
| Average earning assets | $332,383,000 | 1,822 |
| Average equity | $34,075,000 | 2,073 |
| Average total loans | $194,162,500 | 2,075 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 4,592 |
| Cost of funding earning assets | 1.0843% | 964 |
| Net interest margin | 3.1157% | 5,778 |
| Noninterest income to average assets | 0.6402% | 3,050 |
| Noninterest expense to average assets | 2.8234% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6601% | 3,934 |
| Return on assets (ROA) | 1.3764% | 1,259 |
| Pretax return on assets | 1.4342% | 1,922 |
| Return on Equity (ROE) | 16.1974% | 633 |
| Retained earnings to average equity (ytd only) | 16.1974% | 121 |
| Net charge-offs to loans | 1.1070% | 952 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.1096% | 4,904 |
| Efficiency ratio | 80.4053% | 2,098 |
| Assets per employee ($millions) | 4.5536% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2509% | 1,455 |
| Loan loss allowance to noncurrent loans | 112.5826% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 2.4021% | 2,040 |
| Noncurrent loans to loans | 1.9993% | 2,696 |
| Net loans and leases to total assets | 53.4660% | 4,694 |
| Net loans and leases to deposits | 73.5119% | 3,170 |
| Net loans and leases to core deposits | 78.0777% | 3,251 |
| Total domestic deposits to total assets | 72.7312% | 6,641 |
| Equity capital to assets | 9.3881% | 5,016 |
| Core capital (leverage) ratio | 9.0822% | 4,762 |
| Tier 1 risk-based capital ratio | 13.8853% | 4,461 |
| Total risk-based capital ratio | 15.1418% | 4,421 |
| Memoranda: | ||
| Average total assets | $373,804,200 | 1,740 |
| Average earning assets | $344,477,400 | 1,729 |
| Average equity | $31,764,400 | 2,154 |
| Average total loans | $209,400,600 | 1,923 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 4,648 |
| Cost of funding earning assets | 1.1404% | 895 |
| Net interest margin | 3.1092% | 5,917 |
| Noninterest income to average assets | 0.5965% | 3,299 |
| Noninterest expense to average assets | 2.8841% | 3,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5575% | 4,584 |
| Return on assets (ROA) | 1.5138% | 1,106 |
| Pretax return on assets | 1.5615% | 1,700 |
| Return on Equity (ROE) | 18.2706% | 472 |
| Retained earnings to average equity (ytd only) | 18.2706% | 115 |
| Net charge-offs to loans | 1.4013% | 645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.7292% | 4,964 |
| Efficiency ratio | 83.3623% | 1,662 |
| Assets per employee ($millions) | 4.4872% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2517% | 1,607 |
| Loan loss allowance to noncurrent loans | 64.9820% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 3.1400% | 1,649 |
| Noncurrent loans to loans | 3.4651% | 1,568 |
| Net loans and leases to total assets | 53.9017% | 4,763 |
| Net loans and leases to deposits | 73.1897% | 3,415 |
| Net loans and leases to core deposits | 77.9296% | 3,472 |
| Total domestic deposits to total assets | 73.6466% | 6,627 |
| Equity capital to assets | 9.1321% | 5,670 |
| Core capital (leverage) ratio | 8.6760% | 5,506 |
| Tier 1 risk-based capital ratio | 13.7531% | 4,722 |
| Total risk-based capital ratio | 15.0118% | 4,670 |
| Memoranda: | ||
| Average total assets | $377,322,000 | 1,746 |
| Average earning assets | $347,474,500 | 1,733 |
| Average equity | $31,262,500 | 2,202 |
| Average total loans | $212,559,750 | 1,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 4,555 |
| Cost of funding earning assets | 1.2081% | 784 |
| Net interest margin | 3.0956% | 6,022 |
| Noninterest income to average assets | 0.5812% | 3,370 |
| Noninterest expense to average assets | 2.6711% | 4,533 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7417% | 3,639 |
| Return on assets (ROA) | 1.7128% | 734 |
| Pretax return on assets | 1.7600% | 1,112 |
| Return on Equity (ROE) | 21.3656% | 270 |
| Retained earnings to average equity (ytd only) | 21.3656% | 78 |
| Net charge-offs to loans | 0.3989% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3542% | 3,407 |
| Efficiency ratio | 77.8779% | 2,473 |
| Assets per employee ($millions) | 4.7071% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0948% | 718 |
| Loan loss allowance to noncurrent loans | 92.5139% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 3.6060% | 1,457 |
| Noncurrent loans to loans | 3.3452% | 1,739 |
| Net loans and leases to total assets | 52.5107% | 5,027 |
| Net loans and leases to deposits | 70.1017% | 3,879 |
| Net loans and leases to core deposits | 75.4387% | 3,826 |
| Total domestic deposits to total assets | 74.9065% | 6,596 |
| Equity capital to assets | 8.5230% | 6,188 |
| Core capital (leverage) ratio | 8.0978% | 6,164 |
| Tier 1 risk-based capital ratio | 12.8045% | 5,336 |
| Total risk-based capital ratio | 14.0752% | 5,291 |
| Memoranda: | ||
| Average total assets | $381,940,330 | 1,729 |
| Average earning assets | $351,464,000 | 1,715 |
| Average equity | $30,619,330 | 2,223 |
| Average total loans | $216,603,670 | 1,885 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3767% | 4,423 |
| Cost of funding earning assets | 1.2343% | 828 |
| Net interest margin | 3.1423% | 5,925 |
| Noninterest income to average assets | 0.5096% | 3,848 |
| Noninterest expense to average assets | 2.7653% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6354% | 4,195 |
| Return on assets (ROA) | 1.9884% | 487 |
| Pretax return on assets | 1.9884% | 750 |
| Return on Equity (ROE) | 25.5944% | 171 |
| Retained earnings to average equity (ytd only) | 25.5944% | 87 |
| Net charge-offs to loans | 0.5761% | 1,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.9034% | 3,381 |
| Efficiency ratio | 81.3150% | 2,040 |
| Assets per employee ($millions) | 4.8951% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9349% | 887 |
| Loan loss allowance to noncurrent loans | 72.0969% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.9616% | 1,401 |
| Noncurrent loans to loans | 4.0707% | 1,492 |
| Net loans and leases to total assets | 54.9571% | 4,561 |
| Net loans and leases to deposits | 72.3103% | 3,384 |
| Net loans and leases to core deposits | 77.6330% | 3,381 |
| Total domestic deposits to total assets | 76.0018% | 6,542 |
| Equity capital to assets | 7.8942% | 6,587 |
| Core capital (leverage) ratio | 7.6571% | 6,526 |
| Tier 1 risk-based capital ratio | 11.6096% | 6,214 |
| Total risk-based capital ratio | 12.8791% | 6,182 |
| Memoranda: | ||
| Average total assets | $384,625,000 | 1,723 |
| Average earning assets | $353,876,500 | 1,713 |
| Average equity | $29,881,500 | 2,272 |
| Average total loans | $222,878,000 | 1,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 5,012 |
| Cost of funding earning assets | 1.5664% | 542 |
| Net interest margin | 2.9492% | 6,609 |
| Noninterest income to average assets | 0.6609% | 2,831 |
| Noninterest expense to average assets | 3.1829% | 2,924 |
| Loan and lease loss provision to assets | 0.8912% | 1,079 |
| Net operating income to assets | -0.7057% | 6,610 |
| Return on assets (ROA) | -0.4531% | 6,507 |
| Pretax return on assets | -0.4531% | 6,453 |
| Return on Equity (ROE) | -6.5958% | 6,610 |
| Retained earnings to average equity (ytd only) | -6.5958% | 6,545 |
| Net charge-offs to loans | 1.8139% | 810 |
| Credit loss provision to net charge-offs | 83.2550% | 4,317 |
| Earnings coverage of net charge-offs (x) | 0.1733% | 5,708 |
| Efficiency ratio | 94.4938% | 892 |
| Assets per employee ($millions) | 4.9043% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9748% | 832 |
| Loan loss allowance to noncurrent loans | 64.5708% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 4.4226% | 1,247 |
| Noncurrent loans to loans | 4.6071% | 1,291 |
| Net loans and leases to total assets | 57.5256% | 4,458 |
| Net loans and leases to deposits | 78.0777% | 2,831 |
| Net loans and leases to core deposits | 83.9379% | 2,901 |
| Total domestic deposits to total assets | 73.6774% | 6,755 |
| Equity capital to assets | 7.6425% | 6,753 |
| Core capital (leverage) ratio | 7.0494% | 6,844 |
| Tier 1 risk-based capital ratio | 10.5501% | 6,662 |
| Total risk-based capital ratio | 11.8201% | 6,633 |
| Memoranda: | ||
| Average total assets | $417,319,600 | 1,560 |
| Average earning assets | $383,114,400 | 1,550 |
| Average equity | $28,669,800 | 2,291 |
| Average total loans | $246,270,800 | 1,696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5584% | 5,048 |
| Cost of funding earning assets | 1.6285% | 518 |
| Net interest margin | 2.9299% | 6,710 |
| Noninterest income to average assets | 0.6732% | 2,751 |
| Noninterest expense to average assets | 3.3647% | 2,292 |
| Loan and lease loss provision to assets | 1.0303% | 823 |
| Net operating income to assets | -1.0337% | 6,898 |
| Return on assets (ROA) | -0.6967% | 6,786 |
| Pretax return on assets | -0.6967% | 6,733 |
| Return on Equity (ROE) | -10.4034% | 6,901 |
| Retained earnings to average equity (ytd only) | -10.4034% | 6,867 |
| Net charge-offs to loans | 2.3450% | 489 |
| Credit loss provision to net charge-offs | 74.5302% | 4,339 |
| Earnings coverage of net charge-offs (x) | -0.0025% | 5,605 |
| Efficiency ratio | 100.1024% | 655 |
| Assets per employee ($millions) | 4.9466% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7519% | 1,075 |
| Loan loss allowance to noncurrent loans | 53.6054% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 1,247 |
| Noncurrent loans to loans | 5.1337% | 1,193 |
| Net loans and leases to total assets | 58.3512% | 4,447 |
| Net loans and leases to deposits | 78.0262% | 2,983 |
| Net loans and leases to core deposits | 84.1912% | 3,038 |
| Total domestic deposits to total assets | 74.7841% | 6,663 |
| Equity capital to assets | 7.3472% | 6,971 |
| Core capital (leverage) ratio | 6.7633% | 7,020 |
| Tier 1 risk-based capital ratio | 10.1983% | 6,894 |
| Total risk-based capital ratio | 11.4624% | 6,877 |
| Memoranda: | ||
| Average total assets | $426,016,000 | 1,542 |
| Average earning assets | $390,862,500 | 1,530 |
| Average equity | $28,528,500 | 2,302 |
| Average total loans | $251,138,000 | 1,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 5,399 |
| Cost of funding earning assets | 1.6711% | 528 |
| Net interest margin | 2.8144% | 6,906 |
| Noninterest income to average assets | 0.6172% | 3,019 |
| Noninterest expense to average assets | 3.0759% | 3,345 |
| Loan and lease loss provision to assets | 0.9536% | 925 |
| Net operating income to assets | -0.8275% | 6,884 |
| Return on assets (ROA) | -0.7433% | 6,855 |
| Pretax return on assets | -0.7433% | 6,798 |
| Return on Equity (ROE) | -11.4241% | 6,980 |
| Retained earnings to average equity (ytd only) | -11.4241% | 6,928 |
| Net charge-offs to loans | 1.9854% | 681 |
| Credit loss provision to net charge-offs | 81.8999% | 3,711 |
| Earnings coverage of net charge-offs (x) | 0.1083% | 5,210 |
| Efficiency ratio | 96.0625% | 879 |
| Assets per employee ($millions) | 5.2377% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8927% | 994 |
| Loan loss allowance to noncurrent loans | 48.7387% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 5.3019% | 1,140 |
| Noncurrent loans to loans | 5.9350% | 1,017 |
| Net loans and leases to total assets | 56.3462% | 4,933 |
| Net loans and leases to deposits | 78.0723% | 3,112 |
| Net loans and leases to core deposits | 84.7808% | 3,101 |
| Total domestic deposits to total assets | 72.1718% | 6,994 |
| Equity capital to assets | 6.7458% | 7,149 |
| Core capital (leverage) ratio | 6.4058% | 7,142 |
| Tier 1 risk-based capital ratio | 9.9014% | 7,008 |
| Total risk-based capital ratio | 11.1420% | 7,011 |
| Memoranda: | ||
| Average total assets | $439,409,330 | 1,508 |
| Average earning assets | $403,565,330 | 1,506 |
| Average equity | $28,588,670 | 2,277 |
| Average total loans | $257,680,330 | 1,666 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 5,634 |
| Cost of funding earning assets | 1.6969% | 553 |
| Net interest margin | 2.7204% | 6,994 |
| Noninterest income to average assets | 0.5810% | 3,307 |
| Noninterest expense to average assets | 2.9715% | 3,757 |
| Loan and lease loss provision to assets | 0.0890% | 4,898 |
| Net operating income to assets | 0.0231% | 6,295 |
| Return on assets (ROA) | 0.0240% | 6,328 |
| Pretax return on assets | 0.0231% | 6,315 |
| Return on Equity (ROE) | 0.3757% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.3757% | 5,662 |
| Net charge-offs to loans | 0.1661% | 3,483 |
| Credit loss provision to net charge-offs | 90.9091% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.1364% | 3,813 |
| Efficiency ratio | 96.3925% | 901 |
| Assets per employee ($millions) | 5.4075% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8923% | 1,017 |
| Loan loss allowance to noncurrent loans | 41.7396% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 6.0839% | 939 |
| Noncurrent loans to loans | 6.9294% | 807 |
| Net loans and leases to total assets | 56.6823% | 4,876 |
| Net loans and leases to deposits | 78.0263% | 3,054 |
| Net loans and leases to core deposits | 86.6224% | 2,787 |
| Total domestic deposits to total assets | 72.6451% | 7,028 |
| Equity capital to assets | 6.5164% | 7,202 |
| Core capital (leverage) ratio | 6.5675% | 7,155 |
| Tier 1 risk-based capital ratio | 9.9012% | 7,036 |
| Total risk-based capital ratio | 11.1548% | 7,039 |
| Memoranda: | ||
| Average total assets | $449,605,500 | 1,492 |
| Average earning assets | $413,467,000 | 1,480 |
| Average equity | $28,750,000 | 2,250 |
| Average total loans | $264,954,000 | 1,641 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 5,388 |
| Cost of funding earning assets | 2.0003% | 610 |
| Net interest margin | 2.8060% | 7,021 |
| Noninterest income to average assets | 0.6474% | 3,168 |
| Noninterest expense to average assets | 2.8151% | 4,539 |
| Loan and lease loss provision to assets | 1.4565% | 1,023 |
| Net operating income to assets | -2.0062% | 7,058 |
| Return on assets (ROA) | -1.5242% | 6,934 |
| Pretax return on assets | -0.5820% | 6,386 |
| Return on Equity (ROE) | -20.3542% | 7,048 |
| Retained earnings to average equity (ytd only) | -20.3542% | 7,021 |
| Net charge-offs to loans | 1.8736% | 1,100 |
| Credit loss provision to net charge-offs | 121.5183% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.3275% | 5,780 |
| Efficiency ratio | 87.7619% | 1,499 |
| Assets per employee ($millions) | 5.4261% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7648% | 1,097 |
| Loan loss allowance to noncurrent loans | 40.0609% | 5,636 |
| Noncurrent assets plus other real estate owned to assets | 6.0876% | 968 |
| Noncurrent loans to loans | 6.9016% | 828 |
| Net loans and leases to total assets | 57.8305% | 5,050 |
| Net loans and leases to deposits | 81.9836% | 2,811 |
| Net loans and leases to core deposits | 92.0352% | 2,499 |
| Total domestic deposits to total assets | 70.5392% | 7,207 |
| Equity capital to assets | 6.2759% | 7,298 |
| Core capital (leverage) ratio | 6.4503% | 7,207 |
| Tier 1 risk-based capital ratio | 9.4784% | 7,142 |
| Total risk-based capital ratio | 10.7460% | 7,146 |
| Memoranda: | ||
| Average total assets | $458,285,400 | 1,449 |
| Average earning assets | $418,142,600 | 1,447 |
| Average equity | $34,317,200 | 1,928 |
| Average total loans | $293,185,400 | 1,527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8823% | 5,342 |
| Cost of funding earning assets | 2.0251% | 696 |
| Net interest margin | 2.8572% | 7,068 |
| Noninterest income to average assets | 0.6223% | 3,299 |
| Noninterest expense to average assets | 2.8014% | 4,484 |
| Loan and lease loss provision to assets | 1.7211% | 732 |
| Net operating income to assets | -2.2110% | 7,285 |
| Return on assets (ROA) | -1.8856% | 7,220 |
| Pretax return on assets | -0.9730% | 6,842 |
| Return on Equity (ROE) | -24.2077% | 7,299 |
| Retained earnings to average equity (ytd only) | -24.2077% | 7,289 |
| Net charge-offs to loans | 1.6046% | 1,228 |
| Credit loss provision to net charge-offs | 164.7844% | 2,282 |
| Earnings coverage of net charge-offs (x) | 0.4047% | 5,619 |
| Efficiency ratio | 86.8883% | 1,542 |
| Assets per employee ($millions) | 5.1064% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0035% | 819 |
| Loan loss allowance to noncurrent loans | 49.1973% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 6.1552% | 962 |
| Noncurrent loans to loans | 6.1050% | 1,013 |
| Net loans and leases to total assets | 62.8210% | 4,364 |
| Net loans and leases to deposits | 91.3647% | 1,527 |
| Net loans and leases to core deposits | 108.9370% | 1,096 |
| Total domestic deposits to total assets | 68.7585% | 7,341 |
| Equity capital to assets | 7.0904% | 7,309 |
| Core capital (leverage) ratio | 6.5093% | 7,331 |
| Tier 1 risk-based capital ratio | 9.2624% | 7,311 |
| Total risk-based capital ratio | 10.5330% | 7,317 |
| Memoranda: | ||
| Average total assets | $458,908,750 | 1,469 |
| Average earning assets | $417,878,000 | 1,472 |
| Average equity | $35,745,250 | 1,871 |
| Average total loans | $298,711,250 | 1,518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9224% | 5,300 |
| Cost of funding earning assets | 2.0270% | 835 |
| Net interest margin | 2.8953% | 7,014 |
| Noninterest income to average assets | 0.4976% | 4,135 |
| Noninterest expense to average assets | 2.7806% | 4,575 |
| Loan and lease loss provision to assets | 1.1535% | 1,238 |
| Net operating income to assets | -0.8073% | 6,866 |
| Return on assets (ROA) | -0.3243% | 6,541 |
| Pretax return on assets | -0.3191% | 6,450 |
| Return on Equity (ROE) | -4.0473% | 6,622 |
| Retained earnings to average equity (ytd only) | -4.0473% | 6,445 |
| Net charge-offs to loans | 1.7383% | 1,076 |
| Credit loss provision to net charge-offs | 101.7884% | 4,008 |
| Earnings coverage of net charge-offs (x) | 0.3101% | 5,416 |
| Efficiency ratio | 88.7787% | 1,436 |
| Assets per employee ($millions) | 5.2489% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,871 |
| Loan loss allowance to noncurrent loans | 37.1135% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 5.4015% | 1,153 |
| Noncurrent loans to loans | 5.7860% | 1,122 |
| Net loans and leases to total assets | 63.4845% | 4,355 |
| Net loans and leases to deposits | 92.8014% | 1,420 |
| Net loans and leases to core deposits | 113.2548% | 964 |
| Total domestic deposits to total assets | 68.4091% | 7,413 |
| Equity capital to assets | 8.1414% | 6,609 |
| Core capital (leverage) ratio | 7.6909% | 6,621 |
| Tier 1 risk-based capital ratio | 10.4561% | 6,718 |
| Total risk-based capital ratio | 11.7128% | 6,696 |
| Memoranda: | ||
| Average total assets | $463,791,330 | 1,472 |
| Average earning assets | $421,993,330 | 1,470 |
| Average equity | $37,160,330 | 1,793 |
| Average total loans | $302,371,330 | 1,516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,450 |
| Cost of funding earning assets | 2.0426% | 963 |
| Net interest margin | 2.8601% | 7,085 |
| Noninterest income to average assets | 0.4955% | 4,080 |
| Noninterest expense to average assets | 2.9913% | 3,713 |
| Loan and lease loss provision to assets | 0.9517% | 1,322 |
| Net operating income to assets | -0.8473% | 7,035 |
| Return on assets (ROA) | -0.0291% | 6,434 |
| Pretax return on assets | -0.0274% | 6,390 |
| Return on Equity (ROE) | -0.3661% | 6,453 |
| Retained earnings to average equity (ytd only) | -0.3661% | 5,914 |
| Net charge-offs to loans | 1.0687% | 1,564 |
| Credit loss provision to net charge-offs | 136.2745% | 2,596 |
| Earnings coverage of net charge-offs (x) | 0.1520% | 4,899 |
| Efficiency ratio | 96.5736% | 992 |
| Assets per employee ($millions) | 5.3452% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 1,799 |
| Loan loss allowance to noncurrent loans | 47.0429% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 4.5237% | 1,493 |
| Noncurrent loans to loans | 4.6303% | 1,605 |
| Net loans and leases to total assets | 64.5752% | 4,198 |
| Net loans and leases to deposits | 95.3651% | 1,187 |
| Net loans and leases to core deposits | 117.6864% | 882 |
| Total domestic deposits to total assets | 67.7136% | 7,544 |
| Equity capital to assets | 8.0189% | 6,635 |
| Core capital (leverage) ratio | 7.5199% | 6,834 |
| Tier 1 risk-based capital ratio | 10.2541% | 6,839 |
| Total risk-based capital ratio | 11.5135% | 6,831 |
| Memoranda: | ||
| Average total assets | $467,360,500 | 1,500 |
| Average earning assets | $425,154,500 | 1,504 |
| Average equity | $37,151,500 | 1,811 |
| Average total loans | $305,424,000 | 1,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1858% | 5,715 |
| Cost of funding earning assets | 2.4011% | 1,298 |
| Net interest margin | 2.7846% | 7,083 |
| Noninterest income to average assets | 0.4730% | 4,630 |
| Noninterest expense to average assets | 2.2708% | 6,823 |
| Loan and lease loss provision to assets | 1.1147% | 2,053 |
| Net operating income to assets | -0.1837% | 5,825 |
| Return on assets (ROA) | -0.0544% | 5,615 |
| Pretax return on assets | -0.1625% | 5,666 |
| Return on Equity (ROE) | -0.7092% | 5,658 |
| Retained earnings to average equity (ytd only) | -1.1297% | 5,292 |
| Net charge-offs to loans | 1.2902% | 1,926 |
| Credit loss provision to net charge-offs | 129.6574% | 3,948 |
| Earnings coverage of net charge-offs (x) | 0.8725% | 5,234 |
| Efficiency ratio | 75.1690% | 3,677 |
| Assets per employee ($millions) | 5.6551% | 1,508 |
| Cash dividends to net income (ytd only)* | -59.2885% | 7,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 1,904 |
| Loan loss allowance to noncurrent loans | 87.3927% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 3.3093% | 2,071 |
| Noncurrent loans to loans | 2.3507% | 3,228 |
| Net loans and leases to total assets | 63.3806% | 4,727 |
| Net loans and leases to deposits | 100.7523% | 842 |
| Net loans and leases to core deposits | 147.0668% | 589 |
| Total domestic deposits to total assets | 62.9073% | 7,739 |
| Equity capital to assets | 7.8818% | 6,692 |
| Core capital (leverage) ratio | 7.5839% | 6,702 |
| Tier 1 risk-based capital ratio | 10.2408% | 6,646 |
| Total risk-based capital ratio | 11.4977% | 6,609 |
| Memoranda: | ||
| Average total assets | $465,131,400 | 1,490 |
| Average earning assets | $425,588,600 | 1,485 |
| Average equity | $35,674,400 | 1,890 |
| Average total loans | $309,946,200 | 1,542 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 5,861 |
| Cost of funding earning assets | 2.4636% | 1,403 |
| Net interest margin | 2.7403% | 7,150 |
| Noninterest income to average assets | 0.4475% | 4,915 |
| Noninterest expense to average assets | 2.2069% | 6,954 |
| Loan and lease loss provision to assets | 0.7406% | 2,522 |
| Net operating income to assets | 0.0100% | 5,690 |
| Return on assets (ROA) | 0.2326% | 5,130 |
| Pretax return on assets | 0.2971% | 5,071 |
| Return on Equity (ROE) | 3.0539% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.4863% | 3,932 |
| Net charge-offs to loans | 0.6800% | 2,657 |
| Credit loss provision to net charge-offs | 162.2475% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.6484% | 4,555 |
| Efficiency ratio | 74.5740% | 3,769 |
| Assets per employee ($millions) | 5.4037% | 1,707 |
| Cash dividends to net income (ytd only)* | 18.5879% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 1,847 |
| Loan loss allowance to noncurrent loans | 79.1251% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 2,157 |
| Noncurrent loans to loans | 2.5028% | 3,009 |
| Net loans and leases to total assets | 64.3698% | 4,783 |
| Net loans and leases to deposits | 104.3125% | 749 |
| Net loans and leases to core deposits | 157.0187% | 443 |
| Total domestic deposits to total assets | 61.7086% | 7,826 |
| Equity capital to assets | 8.2918% | 6,513 |
| Core capital (leverage) ratio | 7.9586% | 6,433 |
| Tier 1 risk-based capital ratio | 10.8110% | 6,143 |
| Total risk-based capital ratio | 12.0700% | 6,096 |
| Memoranda: | ||
| Average total assets | $462,656,250 | 1,509 |
| Average earning assets | $424,078,250 | 1,504 |
| Average equity | $35,232,750 | 1,928 |
| Average total loans | $310,584,500 | 1,565 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 6,178 |
| Cost of funding earning assets | 2.5140% | 1,562 |
| Net interest margin | 2.6583% | 7,289 |
| Noninterest income to average assets | 0.5637% | 3,937 |
| Noninterest expense to average assets | 2.1736% | 7,114 |
| Loan and lease loss provision to assets | 0.9105% | 1,854 |
| Net operating income to assets | -0.0752% | 5,963 |
| Return on assets (ROA) | 0.0539% | 5,791 |
| Pretax return on assets | 0.0426% | 5,790 |
| Return on Equity (ROE) | 0.7298% | 5,717 |
| Retained earnings to average equity (ytd only) | 0.7298% | 4,901 |
| Net charge-offs to loans | 0.6375% | 2,446 |
| Credit loss provision to net charge-offs | 211.1895% | 2,172 |
| Earnings coverage of net charge-offs (x) | 1.9113% | 4,148 |
| Efficiency ratio | 72.5098% | 4,308 |
| Assets per employee ($millions) | 5.3697% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 1,550 |
| Loan loss allowance to noncurrent loans | 74.5722% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 3.2342% | 1,938 |
| Noncurrent loans to loans | 2.6911% | 2,672 |
| Net loans and leases to total assets | 65.1385% | 4,734 |
| Net loans and leases to deposits | 105.7238% | 780 |
| Net loans and leases to core deposits | 167.2232% | 355 |
| Total domestic deposits to total assets | 61.6119% | 7,903 |
| Equity capital to assets | 7.9233% | 6,839 |
| Core capital (leverage) ratio | 7.4553% | 7,075 |
| Tier 1 risk-based capital ratio | 10.0113% | 6,904 |
| Total risk-based capital ratio | 11.2706% | 6,829 |
| Memoranda: | ||
| Average total assets | $460,166,330 | 1,541 |
| Average earning assets | $421,314,330 | 1,537 |
| Average equity | $33,983,000 | 1,996 |
| Average total loans | $311,201,670 | 1,591 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 6,599 |
| Cost of funding earning assets | 2.5687% | 1,664 |
| Net interest margin | 2.5477% | 7,445 |
| Noninterest income to average assets | 0.2855% | 6,152 |
| Noninterest expense to average assets | 2.1197% | 7,071 |
| Loan and lease loss provision to assets | 0.6350% | 1,986 |
| Net operating income to assets | -0.1088% | 6,423 |
| Return on assets (ROA) | 0.0420% | 6,298 |
| Pretax return on assets | 0.0999% | 6,168 |
| Return on Equity (ROE) | 0.5914% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.5914% | 5,420 |
| Net charge-offs to loans | 0.3351% | 2,751 |
| Credit loss provision to net charge-offs | 277.7778% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.1839% | 3,648 |
| Efficiency ratio | 80.9365% | 2,683 |
| Assets per employee ($millions) | 5.0296% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 1,868 |
| Loan loss allowance to noncurrent loans | 83.0511% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 2.5590% | 2,242 |
| Noncurrent loans to loans | 2.1601% | 3,036 |
| Net loans and leases to total assets | 64.0553% | 4,979 |
| Net loans and leases to deposits | 100.7330% | 1,309 |
| Net loans and leases to core deposits | 164.4434% | 429 |
| Total domestic deposits to total assets | 63.5892% | 7,863 |
| Equity capital to assets | 7.8019% | 7,069 |
| Core capital (leverage) ratio | 7.8881% | 6,640 |
| Tier 1 risk-based capital ratio | 9.9878% | 6,940 |
| Total risk-based capital ratio | 11.2446% | 6,831 |
| Memoranda: | ||
| Average total assets | $456,665,500 | 1,559 |
| Average earning assets | $418,260,500 | 1,556 |
| Average equity | $32,467,000 | 2,087 |
| Average total loans | $311,533,500 | 1,603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2415% | 4,290 |
| Cost of funding earning assets | 3.1511% | 1,349 |
| Net interest margin | 3.0904% | 6,675 |
| Noninterest income to average assets | 0.6646% | 3,377 |
| Noninterest expense to average assets | 2.4600% | 6,169 |
| Loan and lease loss provision to assets | 1.0141% | 1,448 |
| Net operating income to assets | 0.0959% | 6,123 |
| Return on assets (ROA) | -1.1572% | 7,262 |
| Pretax return on assets | -1.9016% | 7,408 |
| Return on Equity (ROE) | -15.5600% | 7,609 |
| Retained earnings to average equity (ytd only) | -20.4856% | 7,692 |
| Net charge-offs to loans | 0.4641% | 2,508 |
| Credit loss provision to net charge-offs | 317.0915% | 1,420 |
| Earnings coverage of net charge-offs (x) | 3.3471% | 4,409 |
| Efficiency ratio | 69.6795% | 4,407 |
| Assets per employee ($millions) | 4.5844% | 2,494 |
| Cash dividends to net income (ytd only)* | -31.6553% | 8,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 2,077 |
| Loan loss allowance to noncurrent loans | 99.4761% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.6063% | 3,036 |
| Noncurrent loans to loans | 1.6550% | 3,288 |
| Net loans and leases to total assets | 70.3264% | 3,945 |
| Net loans and leases to deposits | 108.5793% | 931 |
| Net loans and leases to core deposits | 177.5649% | 312 |
| Total domestic deposits to total assets | 64.7696% | 7,738 |
| Equity capital to assets | 6.3501% | 7,981 |
| Core capital (leverage) ratio | 6.0730% | 8,055 |
| Tier 1 risk-based capital ratio | 7.4690% | 8,135 |
| Total risk-based capital ratio | 8.7246% | 8,159 |
| Memoranda: | ||
| Average total assets | $417,117,000 | 1,633 |
| Average earning assets | $386,811,200 | 1,603 |
| Average equity | $31,021,800 | 2,170 |
| Average total loans | $287,462,400 | 1,684 |