Home > Gulf Coast Community Bank > Performance and Condition Ratios
Gulf Coast Community 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 | 4.9290% | 688 |
| Cost of funding earning assets | 0.3931% | 3,065 |
| Net interest margin | 4.5359% | 572 |
| Noninterest income to average assets | -6.3615% | 5,913 |
| Noninterest expense to average assets | 5.5429% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -8.2949% | 5,912 |
| Return on assets (ROA) | -8.2331% | 5,911 |
| Pretax return on assets | -8.2331% | 5,911 |
| Return on Equity (ROE) | -309.2154% | 5,913 |
| Retained earnings to average equity (ytd only) | -309.2154% | 5,913 |
| Net charge-offs to loans | -0.0521% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -201.4139% | 5,911 |
| Assets per employee ($millions) | 2.4385% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2089% | 143 |
| Loan loss allowance to noncurrent loans | 1,187.3984% | 526 |
| Noncurrent assets plus other real estate owned to assets | 7.7645% | 51 |
| Noncurrent loans to loans | 0.2702% | 4,180 |
| Net loans and leases to total assets | 72.2629% | 2,129 |
| Net loans and leases to deposits | 78.7501% | 3,014 |
| Net loans and leases to core deposits | 80.3231% | 3,372 |
| Total domestic deposits to total assets | 91.7623% | 132 |
| Equity capital to assets | -4.3936% | 5,913 |
| Core capital (leverage) ratio | -3.7068% | 5,913 |
| Tier 1 risk-based capital ratio | -4.6745% | 5,913 |
| Total risk-based capital ratio | -3.4058% | 5,913 |
| Memoranda: | ||
| Average total assets | $131,069,200 | 3,812 |
| Average earning assets | $104,301,200 | 4,111 |
| Average equity | $3,489,800 | 5,701 |
| Average total loans | $88,336,400 | 3,612 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 679 |
| Cost of funding earning assets | 0.4040% | 2,982 |
| Net interest margin | 4.5301% | 588 |
| Noninterest income to average assets | 1.1618% | 847 |
| Noninterest expense to average assets | 4.9041% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1770% | 5,785 |
| Return on assets (ROA) | -0.0960% | 5,772 |
| Pretax return on assets | -0.0960% | 5,769 |
| Return on Equity (ROE) | -2.2450% | 5,817 |
| Retained earnings to average equity (ytd only) | -2.2450% | 5,609 |
| Net charge-offs to loans | 0.0137% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -19.6658% | 3,932 |
| Efficiency ratio | 103.7437% | 181 |
| Assets per employee ($millions) | 2.6552% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1809% | 152 |
| Loan loss allowance to noncurrent loans | 689.1827% | 815 |
| Noncurrent assets plus other real estate owned to assets | 14.4635% | 19 |
| Noncurrent loans to loans | 0.4616% | 3,631 |
| Net loans and leases to total assets | 64.4409% | 3,340 |
| Net loans and leases to deposits | 74.8309% | 3,518 |
| Net loans and leases to core deposits | 76.2617% | 3,807 |
| Total domestic deposits to total assets | 86.1155% | 2,298 |
| Equity capital to assets | 4.2742% | 5,961 |
| Core capital (leverage) ratio | 4.2385% | 5,959 |
| Tier 1 risk-based capital ratio | 4.9014% | 5,967 |
| Total risk-based capital ratio | 6.1657% | 5,968 |
| Memoranda: | ||
| Average total assets | $133,354,750 | 3,801 |
| Average earning assets | $104,954,000 | 4,122 |
| Average equity | $5,701,500 | 5,387 |
| Average total loans | $87,663,250 | 3,642 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 657 |
| Cost of funding earning assets | 0.4135% | 2,905 |
| Net interest margin | 4.5253% | 583 |
| Noninterest income to average assets | 1.2362% | 742 |
| Noninterest expense to average assets | 4.8663% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0829% | 5,806 |
| Return on assets (ROA) | 0.0392% | 5,764 |
| Pretax return on assets | 0.0392% | 5,767 |
| Return on Equity (ROE) | 0.9167% | 5,702 |
| Retained earnings to average equity (ytd only) | 0.9167% | 5,026 |
| Net charge-offs to loans | 0.1198% | 1,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.0577% | 3,588 |
| Efficiency ratio | 101.7334% | 219 |
| Assets per employee ($millions) | 2.7801% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2616% | 151 |
| Loan loss allowance to noncurrent loans | 480.9199% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 14.9396% | 19 |
| Noncurrent loans to loans | 0.6782% | 3,038 |
| Net loans and leases to total assets | 62.7454% | 3,534 |
| Net loans and leases to deposits | 72.3957% | 3,751 |
| Net loans and leases to core deposits | 73.9194% | 3,989 |
| Total domestic deposits to total assets | 86.6701% | 2,072 |
| Equity capital to assets | 4.3419% | 6,038 |
| Core capital (leverage) ratio | 4.4579% | 6,034 |
| Tier 1 risk-based capital ratio | 5.1618% | 6,043 |
| Total risk-based capital ratio | 6.4268% | 6,043 |
| Memoranda: | ||
| Average total assets | $132,667,330 | 3,835 |
| Average earning assets | $103,994,000 | 4,175 |
| Average equity | $5,672,670 | 5,448 |
| Average total loans | $86,840,670 | 3,671 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 532 |
| Cost of funding earning assets | 0.4404% | 2,682 |
| Net interest margin | 4.6084% | 492 |
| Noninterest income to average assets | 1.0523% | 977 |
| Noninterest expense to average assets | 4.9804% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3205% | 5,922 |
| Return on assets (ROA) | -0.1270% | 5,873 |
| Pretax return on assets | -0.1270% | 5,870 |
| Return on Equity (ROE) | -2.9936% | 5,938 |
| Retained earnings to average equity (ytd only) | -2.9936% | 5,472 |
| Net charge-offs to loans | -0.1747% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8787% | 186 |
| Assets per employee ($millions) | 2.5973% | 5,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3157% | 162 |
| Loan loss allowance to noncurrent loans | 454.4462% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 15.2457% | 22 |
| Noncurrent loans to loans | 0.7296% | 3,016 |
| Net loans and leases to total assets | 64.1253% | 3,223 |
| Net loans and leases to deposits | 72.9613% | 3,555 |
| Net loans and leases to core deposits | 74.8456% | 3,807 |
| Total domestic deposits to total assets | 87.8895% | 1,700 |
| Equity capital to assets | 4.2570% | 6,096 |
| Core capital (leverage) ratio | 4.3356% | 6,095 |
| Tier 1 risk-based capital ratio | 4.9153% | 6,103 |
| Total risk-based capital ratio | 6.1807% | 6,104 |
| Memoranda: | ||
| Average total assets | $132,279,000 | 3,876 |
| Average earning assets | $103,550,500 | 4,223 |
| Average equity | $5,612,000 | 5,493 |
| Average total loans | $86,984,500 | 3,682 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9289% | 721 |
| Cost of funding earning assets | 0.5159% | 2,026 |
| Net interest margin | 4.4130% | 776 |
| Noninterest income to average assets | 0.8416% | 1,634 |
| Noninterest expense to average assets | 4.6640% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4033% | 6,018 |
| Return on assets (ROA) | -0.3472% | 6,007 |
| Pretax return on assets | -0.3472% | 5,997 |
| Return on Equity (ROE) | -8.1373% | 6,085 |
| Retained earnings to average equity (ytd only) | -8.1373% | 6,003 |
| Net charge-offs to loans | -0.0947% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4659% | 147 |
| Assets per employee ($millions) | 2.6419% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3398% | 156 |
| Loan loss allowance to noncurrent loans | 578.6720% | 946 |
| Noncurrent assets plus other real estate owned to assets | 15.3080% | 20 |
| Noncurrent loans to loans | 0.5771% | 3,440 |
| Net loans and leases to total assets | 63.0135% | 3,410 |
| Net loans and leases to deposits | 72.0685% | 3,711 |
| Net loans and leases to core deposits | 74.1400% | 3,926 |
| Total domestic deposits to total assets | 87.4355% | 1,909 |
| Equity capital to assets | 4.2280% | 6,156 |
| Core capital (leverage) ratio | 4.2177% | 6,156 |
| Tier 1 risk-based capital ratio | 5.1844% | 6,164 |
| Total risk-based capital ratio | 6.4508% | 6,165 |
| Memoranda: | ||
| Average total assets | $137,113,800 | 3,766 |
| Average earning assets | $106,231,400 | 4,135 |
| Average equity | $5,849,600 | 5,469 |
| Average total loans | $85,520,400 | 3,684 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8955% | 769 |
| Cost of funding earning assets | 0.5223% | 2,023 |
| Net interest margin | 4.3732% | 836 |
| Noninterest income to average assets | 0.8537% | 1,606 |
| Noninterest expense to average assets | 4.6098% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3758% | 6,107 |
| Return on assets (ROA) | -0.3016% | 6,097 |
| Pretax return on assets | -0.3016% | 6,086 |
| Return on Equity (ROE) | -7.0544% | 6,156 |
| Retained earnings to average equity (ytd only) | -7.0544% | 6,077 |
| Net charge-offs to loans | -0.0953% | 5,763 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8757% | 159 |
| Assets per employee ($millions) | 2.7548% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4000% | 163 |
| Loan loss allowance to noncurrent loans | 395.5679% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 15.3150% | 23 |
| Noncurrent loans to loans | 0.8595% | 2,827 |
| Net loans and leases to total assets | 58.9106% | 4,024 |
| Net loans and leases to deposits | 67.1872% | 4,268 |
| Net loans and leases to core deposits | 81.4715% | 3,312 |
| Total domestic deposits to total assets | 87.6812% | 1,711 |
| Equity capital to assets | 4.1825% | 6,243 |
| Core capital (leverage) ratio | 4.2612% | 6,239 |
| Tier 1 risk-based capital ratio | 5.2619% | 6,249 |
| Total risk-based capital ratio | 6.5272% | 6,251 |
| Memoranda: | ||
| Average total assets | $138,368,750 | 3,781 |
| Average earning assets | $106,952,000 | 4,162 |
| Average equity | $5,915,750 | 5,518 |
| Average total loans | $85,372,250 | 3,722 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 739 |
| Cost of funding earning assets | 0.5196% | 2,074 |
| Net interest margin | 4.3753% | 795 |
| Noninterest income to average assets | 0.8732% | 1,532 |
| Noninterest expense to average assets | 4.5895% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3377% | 6,144 |
| Return on assets (ROA) | -0.2266% | 6,130 |
| Pretax return on assets | -0.2266% | 6,119 |
| Return on Equity (ROE) | -5.2620% | 6,197 |
| Retained earnings to average equity (ytd only) | -5.2620% | 6,032 |
| Net charge-offs to loans | 0.1678% | 1,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.2500% | 3,803 |
| Efficiency ratio | 107.9430% | 198 |
| Assets per employee ($millions) | 2.8361% | 5,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1745% | 226 |
| Loan loss allowance to noncurrent loans | 452.3256% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 16.1100% | 18 |
| Noncurrent loans to loans | 0.7018% | 3,382 |
| Net loans and leases to total assets | 59.7640% | 3,872 |
| Net loans and leases to deposits | 68.0258% | 4,132 |
| Net loans and leases to core deposits | 70.2169% | 4,308 |
| Total domestic deposits to total assets | 87.8549% | 1,725 |
| Equity capital to assets | 4.0973% | 6,316 |
| Core capital (leverage) ratio | 4.4026% | 6,311 |
| Tier 1 risk-based capital ratio | 5.2420% | 6,324 |
| Total risk-based capital ratio | 6.5038% | 6,327 |
| Memoranda: | ||
| Average total assets | $138,578,000 | 3,806 |
| Average earning assets | $107,011,000 | 4,202 |
| Average equity | $5,967,330 | 5,556 |
| Average total loans | $85,829,670 | 3,735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 848 |
| Cost of funding earning assets | 0.5176% | 2,132 |
| Net interest margin | 4.2911% | 891 |
| Noninterest income to average assets | 0.8325% | 1,594 |
| Noninterest expense to average assets | 4.4688% | 438 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3295% | 6,196 |
| Return on assets (ROA) | -0.1705% | 6,156 |
| Pretax return on assets | -0.1705% | 6,146 |
| Return on Equity (ROE) | -3.8568% | 6,238 |
| Retained earnings to average equity (ytd only) | -3.8568% | 5,851 |
| Net charge-offs to loans | -0.0885% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9609% | 215 |
| Assets per employee ($millions) | 3.0996% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2614% | 223 |
| Loan loss allowance to noncurrent loans | 316.8919% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 16.8116% | 20 |
| Noncurrent loans to loans | 1.0292% | 2,709 |
| Net loans and leases to total assets | 59.8411% | 3,678 |
| Net loans and leases to deposits | 68.3176% | 3,925 |
| Net loans and leases to core deposits | 69.9821% | 4,159 |
| Total domestic deposits to total assets | 87.5926% | 2,048 |
| Equity capital to assets | 4.4020% | 6,388 |
| Core capital (leverage) ratio | 4.5437% | 6,382 |
| Tier 1 risk-based capital ratio | 5.3454% | 6,396 |
| Total risk-based capital ratio | 6.6093% | 6,396 |
| Memoranda: | ||
| Average total assets | $138,382,000 | 3,833 |
| Average earning assets | $106,639,500 | 4,243 |
| Average equity | $6,119,000 | 5,573 |
| Average total loans | $85,856,000 | 3,754 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 1,132 |
| Cost of funding earning assets | 0.5467% | 2,231 |
| Net interest margin | 4.2439% | 1,182 |
| Noninterest income to average assets | 1.1076% | 995 |
| Noninterest expense to average assets | 4.3198% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1315% | 5,910 |
| Return on assets (ROA) | 0.1442% | 5,932 |
| Pretax return on assets | 0.1442% | 5,946 |
| Return on Equity (ROE) | 4.4312% | 4,927 |
| Retained earnings to average equity (ytd only) | 4.4312% | 3,027 |
| Net charge-offs to loans | -0.0233% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0460% | 466 |
| Assets per employee ($millions) | 2.9209% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2716% | 221 |
| Loan loss allowance to noncurrent loans | 125.4488% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 17.9119% | 16 |
| Noncurrent loans to loans | 2.6080% | 953 |
| Net loans and leases to total assets | 60.1939% | 3,765 |
| Net loans and leases to deposits | 68.8014% | 4,052 |
| Net loans and leases to core deposits | 70.6218% | 4,265 |
| Total domestic deposits to total assets | 87.4893% | 2,037 |
| Equity capital to assets | 4.4419% | 6,472 |
| Core capital (leverage) ratio | 4.4648% | 6,472 |
| Tier 1 risk-based capital ratio | 5.7711% | 6,481 |
| Total risk-based capital ratio | 7.0376% | 6,480 |
| Memoranda: | ||
| Average total assets | $149,059,000 | 3,646 |
| Average earning assets | $117,438,400 | 4,020 |
| Average equity | $4,852,000 | 5,894 |
| Average total loans | $90,211,400 | 3,625 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,163 |
| Cost of funding earning assets | 0.5578% | 2,214 |
| Net interest margin | 4.2102% | 1,257 |
| Noninterest income to average assets | 1.1043% | 996 |
| Noninterest expense to average assets | 4.1893% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2517% | 5,734 |
| Return on assets (ROA) | 0.2684% | 5,749 |
| Pretax return on assets | 0.2684% | 5,830 |
| Return on Equity (ROE) | 8.9856% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.9856% | 1,011 |
| Net charge-offs to loans | -0.0160% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3314% | 578 |
| Assets per employee ($millions) | 2.9571% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2475% | 282 |
| Loan loss allowance to noncurrent loans | 120.3544% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 17.3881% | 20 |
| Noncurrent loans to loans | 2.6983% | 1,057 |
| Net loans and leases to total assets | 58.4549% | 4,010 |
| Net loans and leases to deposits | 66.4249% | 4,289 |
| Net loans and leases to core deposits | 68.3364% | 4,476 |
| Total domestic deposits to total assets | 88.0014% | 1,770 |
| Equity capital to assets | 4.0636% | 6,551 |
| Core capital (leverage) ratio | 4.3737% | 6,546 |
| Tier 1 risk-based capital ratio | 5.8199% | 6,554 |
| Total risk-based capital ratio | 7.0855% | 6,554 |
| Memoranda: | ||
| Average total assets | $152,003,000 | 3,625 |
| Average earning assets | $120,465,000 | 3,975 |
| Average equity | $4,540,500 | 6,038 |
| Average total loans | $91,406,500 | 3,632 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,088 |
| Cost of funding earning assets | 0.5821% | 2,058 |
| Net interest margin | 4.2072% | 1,226 |
| Noninterest income to average assets | 0.8458% | 1,679 |
| Noninterest expense to average assets | 4.0037% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1918% | 5,859 |
| Return on assets (ROA) | 0.2163% | 5,849 |
| Pretax return on assets | 0.2163% | 5,923 |
| Return on Equity (ROE) | 8.1330% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.1330% | 1,280 |
| Net charge-offs to loans | -0.0021% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4280% | 586 |
| Assets per employee ($millions) | 3.1941% | 5,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1341% | 326 |
| Loan loss allowance to noncurrent loans | 129.3265% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 16.3385% | 26 |
| Noncurrent loans to loans | 2.4234% | 1,295 |
| Net loans and leases to total assets | 56.9256% | 4,127 |
| Net loans and leases to deposits | 64.0661% | 4,489 |
| Net loans and leases to core deposits | 66.6025% | 4,584 |
| Total domestic deposits to total assets | 88.8545% | 1,442 |
| Equity capital to assets | 3.6703% | 6,621 |
| Core capital (leverage) ratio | 4.0982% | 6,609 |
| Tier 1 risk-based capital ratio | 5.5168% | 6,620 |
| Total risk-based capital ratio | 6.7820% | 6,621 |
| Memoranda: | ||
| Average total assets | $155,356,670 | 3,603 |
| Average earning assets | $123,691,670 | 3,941 |
| Average equity | $4,131,330 | 6,171 |
| Average total loans | $93,289,670 | 3,613 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7210% | 1,214 |
| Cost of funding earning assets | 0.6079% | 1,914 |
| Net interest margin | 4.1130% | 1,426 |
| Noninterest income to average assets | 0.7368% | 2,005 |
| Noninterest expense to average assets | 3.8690% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1570% | 5,915 |
| Return on assets (ROA) | 0.1570% | 5,952 |
| Pretax return on assets | 0.1570% | 5,998 |
| Return on Equity (ROE) | 7.2051% | 3,349 |
| Retained earnings to average equity (ytd only) | 7.2051% | 1,936 |
| Net charge-offs to loans | 0.2630% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9841% | 3,217 |
| Efficiency ratio | 96.1006% | 634 |
| Assets per employee ($millions) | 3.3343% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8506% | 509 |
| Loan loss allowance to noncurrent loans | 142.2773% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 15.9363% | 36 |
| Noncurrent loans to loans | 2.0035% | 1,861 |
| Net loans and leases to total assets | 58.6959% | 3,738 |
| Net loans and leases to deposits | 65.4735% | 4,150 |
| Net loans and leases to core deposits | 67.9308% | 4,322 |
| Total domestic deposits to total assets | 89.6485% | 1,279 |
| Equity capital to assets | 3.1657% | 6,690 |
| Core capital (leverage) ratio | 3.9959% | 6,678 |
| Tier 1 risk-based capital ratio | 5.1344% | 6,695 |
| Total risk-based capital ratio | 6.3970% | 6,697 |
| Memoranda: | ||
| Average total assets | $157,973,000 | 3,590 |
| Average earning assets | $126,330,000 | 3,921 |
| Average equity | $3,442,000 | 6,351 |
| Average total loans | $95,822,500 | 3,561 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5708% | 1,959 |
| Cost of funding earning assets | 0.9093% | 700 |
| Net interest margin | 3.6616% | 3,214 |
| Noninterest income to average assets | 0.9453% | 1,539 |
| Noninterest expense to average assets | 4.0641% | 809 |
| Loan and lease loss provision to assets | 0.1143% | 2,903 |
| Net operating income to assets | -0.2185% | 6,375 |
| Return on assets (ROA) | -0.1907% | 6,368 |
| Pretax return on assets | -0.1907% | 6,344 |
| Return on Equity (ROE) | -11.4640% | 6,601 |
| Retained earnings to average equity (ytd only) | -11.4640% | 6,560 |
| Net charge-offs to loans | 0.6392% | 1,015 |
| Credit loss provision to net charge-offs | 28.6776% | 4,275 |
| Earnings coverage of net charge-offs (x) | -0.2615% | 5,162 |
| Efficiency ratio | 102.6324% | 409 |
| Assets per employee ($millions) | 3.4616% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8495% | 557 |
| Loan loss allowance to noncurrent loans | 89.1866% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 15.5638% | 45 |
| Noncurrent loans to loans | 3.1950% | 1,053 |
| Net loans and leases to total assets | 59.1578% | 3,847 |
| Net loans and leases to deposits | 64.4848% | 4,461 |
| Net loans and leases to core deposits | 66.5847% | 4,647 |
| Total domestic deposits to total assets | 91.7393% | 348 |
| Equity capital to assets | 1.2076% | 6,802 |
| Core capital (leverage) ratio | 2.1491% | 6,796 |
| Tier 1 risk-based capital ratio | 2.7793% | 6,799 |
| Total risk-based capital ratio | 4.0416% | 6,798 |
| Memoranda: | ||
| Average total assets | $168,843,200 | 3,428 |
| Average earning assets | $139,012,000 | 3,681 |
| Average equity | $2,808,800 | 6,572 |
| Average total loans | $105,290,000 | 3,336 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 2,315 |
| Cost of funding earning assets | 0.9624% | 599 |
| Net interest margin | 3.5160% | 3,805 |
| Noninterest income to average assets | 1.0114% | 1,421 |
| Noninterest expense to average assets | 3.9498% | 908 |
| Loan and lease loss provision to assets | 0.1503% | 2,390 |
| Net operating income to assets | -0.1674% | 6,445 |
| Return on assets (ROA) | -0.1308% | 6,444 |
| Pretax return on assets | -0.1308% | 6,423 |
| Return on Equity (ROE) | -7.3918% | 6,653 |
| Retained earnings to average equity (ytd only) | -7.3918% | 6,580 |
| Net charge-offs to loans | 0.8568% | 682 |
| Credit loss provision to net charge-offs | 27.9710% | 3,934 |
| Earnings coverage of net charge-offs (x) | -0.0319% | 4,862 |
| Efficiency ratio | 100.4356% | 452 |
| Assets per employee ($millions) | 3.3254% | 5,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7108% | 731 |
| Loan loss allowance to noncurrent loans | 54.2152% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 15.6274% | 45 |
| Noncurrent loans to loans | 5.0000% | 599 |
| Net loans and leases to total assets | 61.7440% | 3,411 |
| Net loans and leases to deposits | 67.4408% | 4,124 |
| Net loans and leases to core deposits | 69.4664% | 4,374 |
| Total domestic deposits to total assets | 91.5529% | 353 |
| Equity capital to assets | 1.3319% | 6,884 |
| Core capital (leverage) ratio | 2.2386% | 6,877 |
| Tier 1 risk-based capital ratio | 2.9037% | 6,884 |
| Total risk-based capital ratio | 4.1656% | 6,884 |
| Memoranda: | ||
| Average total assets | $171,245,250 | 3,421 |
| Average earning assets | $142,279,750 | 3,664 |
| Average equity | $3,030,250 | 6,597 |
| Average total loans | $107,371,750 | 3,321 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 2,732 |
| Cost of funding earning assets | 0.9998% | 544 |
| Net interest margin | 3.3571% | 4,350 |
| Noninterest income to average assets | 1.0872% | 1,296 |
| Noninterest expense to average assets | 3.9481% | 922 |
| Loan and lease loss provision to assets | 0.2136% | 1,768 |
| Net operating income to assets | -0.2558% | 6,523 |
| Return on assets (ROA) | -0.2021% | 6,524 |
| Pretax return on assets | -0.2021% | 6,495 |
| Return on Equity (ROE) | -10.6253% | 6,751 |
| Retained earnings to average equity (ytd only) | -10.6253% | 6,680 |
| Net charge-offs to loans | 1.2944% | 442 |
| Credit loss provision to net charge-offs | 26.4124% | 3,644 |
| Earnings coverage of net charge-offs (x) | -0.0523% | 4,566 |
| Efficiency ratio | 101.0819% | 455 |
| Assets per employee ($millions) | 3.5277% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6454% | 833 |
| Loan loss allowance to noncurrent loans | 57.4172% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 15.1462% | 58 |
| Noncurrent loans to loans | 4.6073% | 748 |
| Net loans and leases to total assets | 61.7094% | 3,348 |
| Net loans and leases to deposits | 67.4278% | 4,084 |
| Net loans and leases to core deposits | 69.2161% | 4,362 |
| Total domestic deposits to total assets | 91.5192% | 374 |
| Equity capital to assets | 1.5080% | 6,929 |
| Core capital (leverage) ratio | 2.1262% | 6,930 |
| Tier 1 risk-based capital ratio | 2.8851% | 6,929 |
| Total risk-based capital ratio | 4.1467% | 6,930 |
| Memoranda: | ||
| Average total assets | $175,121,330 | 3,372 |
| Average earning assets | $147,032,670 | 3,609 |
| Average equity | $3,331,670 | 6,597 |
| Average total loans | $109,395,670 | 3,284 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 3,063 |
| Cost of funding earning assets | 1.0032% | 602 |
| Net interest margin | 3.2553% | 4,709 |
| Noninterest income to average assets | 1.2779% | 931 |
| Noninterest expense to average assets | 3.6090% | 1,406 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4142% | 5,073 |
| Return on assets (ROA) | 0.4142% | 5,222 |
| Pretax return on assets | 0.4142% | 5,521 |
| Return on Equity (ROE) | 19.9258% | 302 |
| Retained earnings to average equity (ytd only) | 19.9258% | 146 |
| Net charge-offs to loans | -1.7432% | 6,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7043% | 1,168 |
| Assets per employee ($millions) | 3.7068% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3486% | 476 |
| Loan loss allowance to noncurrent loans | 50.3983% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 14.2089% | 85 |
| Noncurrent loans to loans | 6.6443% | 471 |
| Net loans and leases to total assets | 60.5573% | 3,336 |
| Net loans and leases to deposits | 67.3888% | 3,858 |
| Net loans and leases to core deposits | 67.3888% | 4,366 |
| Total domestic deposits to total assets | 89.8625% | 1,129 |
| Equity capital to assets | 2.1189% | 7,004 |
| Core capital (leverage) ratio | 2.2155% | 6,998 |
| Tier 1 risk-based capital ratio | 2.7959% | 7,001 |
| Total risk-based capital ratio | 4.0633% | 7,001 |
| Memoranda: | ||
| Average total assets | $181,546,000 | 3,328 |
| Average earning assets | $153,105,500 | 3,540 |
| Average equity | $3,774,000 | 6,567 |
| Average total loans | $112,664,500 | 3,238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 3,193 |
| Cost of funding earning assets | 1.1310% | 802 |
| Net interest margin | 3.4233% | 4,803 |
| Noninterest income to average assets | -1.2999% | 7,065 |
| Noninterest expense to average assets | 3.8230% | 1,217 |
| Loan and lease loss provision to assets | 0.0746% | 4,790 |
| Net operating income to assets | -2.3096% | 6,960 |
| Return on assets (ROA) | -1.6845% | 6,907 |
| Pretax return on assets | -1.6845% | 6,891 |
| Return on Equity (ROE) | -57.4044% | 7,031 |
| Retained earnings to average equity (ytd only) | -57.4044% | 7,028 |
| Net charge-offs to loans | 0.5667% | 2,033 |
| Credit loss provision to net charge-offs | 20.4482% | 5,283 |
| Earnings coverage of net charge-offs (x) | -6.1289% | 5,919 |
| Efficiency ratio | 240.7527% | 23 |
| Assets per employee ($millions) | 3.6307% | 4,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8476% | 787 |
| Loan loss allowance to noncurrent loans | 32.4103% | 5,966 |
| Noncurrent assets plus other real estate owned to assets | 16.3797% | 62 |
| Noncurrent loans to loans | 8.7861% | 308 |
| Net loans and leases to total assets | 59.7339% | 3,649 |
| Net loans and leases to deposits | 68.2024% | 3,954 |
| Net loans and leases to core deposits | 72.6265% | 3,958 |
| Total domestic deposits to total assets | 87.5832% | 2,489 |
| Equity capital to assets | 2.0403% | 7,066 |
| Core capital (leverage) ratio | 2.0251% | 7,064 |
| Tier 1 risk-based capital ratio | 2.6801% | 7,066 |
| Total risk-based capital ratio | 3.9505% | 7,066 |
| Memoranda: | ||
| Average total assets | $195,789,400 | 3,097 |
| Average earning assets | $165,163,800 | 3,302 |
| Average equity | $5,745,200 | 6,087 |
| Average total loans | $125,984,800 | 2,956 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 3,351 |
| Cost of funding earning assets | 1.1488% | 870 |
| Net interest margin | 3.4176% | 4,972 |
| Noninterest income to average assets | -1.5010% | 7,166 |
| Noninterest expense to average assets | 3.8149% | 1,184 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -2.4335% | 7,085 |
| Return on assets (ROA) | -1.6582% | 7,003 |
| Pretax return on assets | -1.6582% | 6,979 |
| Return on Equity (ROE) | -52.7590% | 7,126 |
| Retained earnings to average equity (ytd only) | -52.7590% | 7,121 |
| Net charge-offs to loans | 0.7782% | 1,421 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -4.8101% | 5,707 |
| Efficiency ratio | 276.1673% | 20 |
| Assets per employee ($millions) | 3.9857% | 3,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5608% | 1,128 |
| Loan loss allowance to noncurrent loans | 40.7981% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 15.7017% | 81 |
| Noncurrent loans to loans | 6.2768% | 626 |
| Net loans and leases to total assets | 63.4439% | 3,126 |
| Net loans and leases to deposits | 73.0002% | 3,450 |
| Net loans and leases to core deposits | 85.3349% | 2,543 |
| Total domestic deposits to total assets | 86.9092% | 2,730 |
| Equity capital to assets | 2.5297% | 7,149 |
| Core capital (leverage) ratio | 2.4274% | 7,151 |
| Tier 1 risk-based capital ratio | 3.1595% | 7,155 |
| Total risk-based capital ratio | 4.4201% | 7,156 |
| Memoranda: | ||
| Average total assets | $198,444,750 | 3,098 |
| Average earning assets | $167,364,500 | 3,297 |
| Average equity | $6,237,000 | 6,023 |
| Average total loans | $129,018,500 | 2,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 3,451 |
| Cost of funding earning assets | 1.1757% | 911 |
| Net interest margin | 3.4016% | 5,083 |
| Noninterest income to average assets | -1.3023% | 7,230 |
| Noninterest expense to average assets | 3.9336% | 1,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.3609% | 7,113 |
| Return on assets (ROA) | -1.3938% | 7,015 |
| Pretax return on assets | -1.3938% | 6,988 |
| Return on Equity (ROE) | -41.8907% | 7,151 |
| Retained earnings to average equity (ytd only) | -41.8907% | 7,145 |
| Net charge-offs to loans | 0.9060% | 1,217 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.0100% | 5,430 |
| Efficiency ratio | 250.1250% | 27 |
| Assets per employee ($millions) | 3.8856% | 4,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5867% | 1,168 |
| Loan loss allowance to noncurrent loans | 38.4109% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 15.9014% | 80 |
| Noncurrent loans to loans | 6.7342% | 600 |
| Net loans and leases to total assets | 62.2237% | 3,384 |
| Net loans and leases to deposits | 71.3914% | 3,700 |
| Net loans and leases to core deposits | 73.2529% | 4,132 |
| Total domestic deposits to total assets | 87.1586% | 2,681 |
| Equity capital to assets | 2.9010% | 7,185 |
| Core capital (leverage) ratio | 2.8032% | 7,188 |
| Tier 1 risk-based capital ratio | 3.6985% | 7,194 |
| Total risk-based capital ratio | 4.9643% | 7,194 |
| Memoranda: | ||
| Average total assets | $203,478,670 | 3,050 |
| Average earning assets | $171,977,330 | 3,245 |
| Average equity | $6,770,000 | 5,912 |
| Average total loans | $132,232,330 | 2,886 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4048% | 4,311 |
| Cost of funding earning assets | 1.2342% | 829 |
| Net interest margin | 3.1705% | 5,846 |
| Noninterest income to average assets | 0.0211% | 7,043 |
| Noninterest expense to average assets | 3.7467% | 1,303 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.0342% | 7,000 |
| Return on assets (ROA) | -0.0404% | 6,569 |
| Pretax return on assets | -0.0404% | 6,564 |
| Return on Equity (ROE) | -1.1449% | 6,636 |
| Retained earnings to average equity (ytd only) | -1.1449% | 6,174 |
| Net charge-offs to loans | -1.0125% | 7,215 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1290% | 141 |
| Assets per employee ($millions) | 4.0343% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1094% | 749 |
| Loan loss allowance to noncurrent loans | 25.2384% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 18.9122% | 58 |
| Noncurrent loans to loans | 12.3201% | 189 |
| Net loans and leases to total assets | 65.4951% | 2,560 |
| Net loans and leases to deposits | 78.1708% | 2,476 |
| Net loans and leases to core deposits | 80.6172% | 2,991 |
| Total domestic deposits to total assets | 83.7846% | 4,603 |
| Equity capital to assets | 3.5112% | 7,211 |
| Core capital (leverage) ratio | 3.4944% | 7,207 |
| Tier 1 risk-based capital ratio | 4.6038% | 7,230 |
| Total risk-based capital ratio | 5.8713% | 7,230 |
| Memoranda: | ||
| Average total assets | $208,079,000 | 3,012 |
| Average earning assets | $176,626,000 | 3,199 |
| Average equity | $7,337,000 | 5,783 |
| Average total loans | $136,300,000 | 2,836 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4034% | 5,413 |
| Cost of funding earning assets | 1.4300% | 919 |
| Net interest margin | 2.9734% | 6,570 |
| Noninterest income to average assets | -0.8437% | 7,311 |
| Noninterest expense to average assets | 3.3575% | 2,347 |
| Loan and lease loss provision to assets | 1.3513% | 590 |
| Net operating income to assets | -2.9244% | 7,168 |
| Return on assets (ROA) | -2.8230% | 7,163 |
| Pretax return on assets | -2.8734% | 7,175 |
| Return on Equity (ROE) | -58.8561% | 7,240 |
| Retained earnings to average equity (ytd only) | -58.8561% | 7,240 |
| Net charge-offs to loans | 2.5685% | 441 |
| Credit loss provision to net charge-offs | 76.7919% | 4,606 |
| Earnings coverage of net charge-offs (x) | -0.9239% | 6,181 |
| Efficiency ratio | 193.8724% | 61 |
| Assets per employee ($millions) | 4.3695% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7415% | 1,043 |
| Loan loss allowance to noncurrent loans | 21.5815% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 18.6245% | 66 |
| Noncurrent loans to loans | 12.7032% | 189 |
| Net loans and leases to total assets | 61.8663% | 3,627 |
| Net loans and leases to deposits | 72.8112% | 3,695 |
| Net loans and leases to core deposits | 75.3266% | 4,063 |
| Total domestic deposits to total assets | 84.9681% | 3,868 |
| Equity capital to assets | 3.5395% | 7,248 |
| Core capital (leverage) ratio | 3.2134% | 7,258 |
| Tier 1 risk-based capital ratio | 4.2760% | 7,271 |
| Total risk-based capital ratio | 5.5387% | 7,271 |
| Memoranda: | ||
| Average total assets | $229,934,800 | 2,720 |
| Average earning assets | $199,164,000 | 2,869 |
| Average equity | $11,028,600 | 4,771 |
| Average total loans | $157,526,800 | 2,532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 5,639 |
| Cost of funding earning assets | 1.4733% | 941 |
| Net interest margin | 2.9169% | 6,725 |
| Noninterest income to average assets | 0.5624% | 3,430 |
| Noninterest expense to average assets | 3.5944% | 1,722 |
| Loan and lease loss provision to assets | 1.3614% | 542 |
| Net operating income to assets | -1.8568% | 7,111 |
| Return on assets (ROA) | -1.7205% | 7,099 |
| Pretax return on assets | -1.7205% | 7,065 |
| Return on Equity (ROE) | -33.7923% | 7,225 |
| Retained earnings to average equity (ytd only) | -33.7923% | 7,218 |
| Net charge-offs to loans | 2.9007% | 335 |
| Credit loss provision to net charge-offs | 67.3753% | 4,563 |
| Earnings coverage of net charge-offs (x) | -0.2452% | 5,742 |
| Efficiency ratio | 115.9860% | 348 |
| Assets per employee ($millions) | 4.3750% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4244% | 1,497 |
| Loan loss allowance to noncurrent loans | 16.3709% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 20.7500% | 48 |
| Noncurrent loans to loans | 14.8090% | 144 |
| Net loans and leases to total assets | 64.9023% | 3,130 |
| Net loans and leases to deposits | 77.4503% | 3,092 |
| Net loans and leases to core deposits | 79.8901% | 3,657 |
| Total domestic deposits to total assets | 83.7986% | 4,323 |
| Equity capital to assets | 4.7176% | 7,282 |
| Core capital (leverage) ratio | 4.3561% | 7,282 |
| Tier 1 risk-based capital ratio | 5.6059% | 7,308 |
| Total risk-based capital ratio | 6.8656% | 7,309 |
| Memoranda: | ||
| Average total assets | $232,799,500 | 2,703 |
| Average earning assets | $202,449,500 | 2,826 |
| Average equity | $11,852,500 | 4,602 |
| Average total loans | $162,165,250 | 2,481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 6,031 |
| Cost of funding earning assets | 1.5199% | 939 |
| Net interest margin | 2.7768% | 6,953 |
| Noninterest income to average assets | 0.5457% | 3,503 |
| Noninterest expense to average assets | 3.7225% | 1,485 |
| Loan and lease loss provision to assets | 1.4804% | 478 |
| Net operating income to assets | -2.2235% | 7,227 |
| Return on assets (ROA) | -2.0218% | 7,198 |
| Pretax return on assets | -2.0218% | 7,168 |
| Return on Equity (ROE) | -38.8136% | 7,301 |
| Retained earnings to average equity (ytd only) | -38.8136% | 7,295 |
| Net charge-offs to loans | 2.3724% | 526 |
| Credit loss provision to net charge-offs | 88.3215% | 3,507 |
| Earnings coverage of net charge-offs (x) | -0.4434% | 5,509 |
| Efficiency ratio | 124.9431% | 298 |
| Assets per employee ($millions) | 4.3560% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9029% | 978 |
| Loan loss allowance to noncurrent loans | 17.0112% | 6,807 |
| Noncurrent assets plus other real estate owned to assets | 20.8924% | 55 |
| Noncurrent loans to loans | 17.0648% | 97 |
| Net loans and leases to total assets | 65.4562% | 3,145 |
| Net loans and leases to deposits | 77.7624% | 3,164 |
| Net loans and leases to core deposits | 81.0506% | 3,646 |
| Total domestic deposits to total assets | 84.1746% | 4,274 |
| Equity capital to assets | 4.7780% | 7,335 |
| Core capital (leverage) ratio | 4.8067% | 7,313 |
| Tier 1 risk-based capital ratio | 6.5087% | 7,338 |
| Total risk-based capital ratio | 7.7773% | 7,340 |
| Memoranda: | ||
| Average total assets | $236,025,000 | 2,693 |
| Average earning assets | $206,859,670 | 2,795 |
| Average equity | $12,294,670 | 4,478 |
| Average total loans | $166,750,330 | 2,449 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 6,275 |
| Cost of funding earning assets | 1.5799% | 877 |
| Net interest margin | 2.6230% | 7,104 |
| Noninterest income to average assets | -0.0872% | 7,381 |
| Noninterest expense to average assets | 3.0796% | 3,338 |
| Loan and lease loss provision to assets | 0.4141% | 2,121 |
| Net operating income to assets | -1.2623% | 7,121 |
| Return on assets (ROA) | -1.2623% | 7,127 |
| Pretax return on assets | -1.2623% | 7,083 |
| Return on Equity (ROE) | -23.3010% | 7,261 |
| Retained earnings to average equity (ytd only) | -23.3010% | 7,214 |
| Net charge-offs to loans | 3.8629% | 239 |
| Credit loss provision to net charge-offs | 14.8438% | 4,330 |
| Earnings coverage of net charge-offs (x) | -0.3041% | 4,732 |
| Efficiency ratio | 138.0165% | 217 |
| Assets per employee ($millions) | 4.4487% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 2,429 |
| Loan loss allowance to noncurrent loans | 9.9311% | 7,013 |
| Noncurrent assets plus other real estate owned to assets | 21.1094% | 51 |
| Noncurrent loans to loans | 20.1051% | 68 |
| Net loans and leases to total assets | 69.3635% | 2,251 |
| Net loans and leases to deposits | 82.6821% | 2,236 |
| Net loans and leases to core deposits | 86.1553% | 2,850 |
| Total domestic deposits to total assets | 83.8918% | 4,529 |
| Equity capital to assets | 5.3240% | 7,352 |
| Core capital (leverage) ratio | 5.2626% | 7,332 |
| Tier 1 risk-based capital ratio | 6.8290% | 7,379 |
| Total risk-based capital ratio | 8.0863% | 7,386 |
| Memoranda: | ||
| Average total assets | $238,603,000 | 2,687 |
| Average earning assets | $210,901,000 | 2,770 |
| Average equity | $12,926,500 | 4,353 |
| Average total loans | $172,307,500 | 2,403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 6,751 |
| Cost of funding earning assets | 1.6850% | 1,662 |
| Net interest margin | 2.6345% | 7,180 |
| Noninterest income to average assets | 0.4422% | 4,578 |
| Noninterest expense to average assets | 3.5242% | 2,110 |
| Loan and lease loss provision to assets | 3.7611% | 184 |
| Net operating income to assets | -4.8594% | 7,526 |
| Return on assets (ROA) | -4.7413% | 7,523 |
| Pretax return on assets | -4.2843% | 7,476 |
| Return on Equity (ROE) | -57.8374% | 7,471 |
| Retained earnings to average equity (ytd only) | -57.8374% | 7,469 |
| Net charge-offs to loans | 5.4668% | 136 |
| Credit loss provision to net charge-offs | 87.8619% | 5,211 |
| Earnings coverage of net charge-offs (x) | -0.1498% | 6,259 |
| Efficiency ratio | 122.2403% | 390 |
| Assets per employee ($millions) | 4.5552% | 2,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6719% | 1,201 |
| Loan loss allowance to noncurrent loans | 10.8805% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 24.0315% | 34 |
| Noncurrent loans to loans | 24.5571% | 48 |
| Net loans and leases to total assets | 71.6529% | 2,169 |
| Net loans and leases to deposits | 85.3676% | 2,214 |
| Net loans and leases to core deposits | 107.2169% | 1,106 |
| Total domestic deposits to total assets | 83.9346% | 4,387 |
| Equity capital to assets | 5.5090% | 7,397 |
| Core capital (leverage) ratio | 5.7386% | 7,339 |
| Tier 1 risk-based capital ratio | 6.8984% | 7,431 |
| Total risk-based capital ratio | 8.1628% | 7,434 |
| Memoranda: | ||
| Average total assets | $255,773,800 | 2,492 |
| Average earning assets | $236,969,800 | 2,458 |
| Average equity | $20,967,400 | 3,012 |
| Average total loans | $200,283,200 | 2,147 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3328% | 6,921 |
| Cost of funding earning assets | 1.7009% | 1,875 |
| Net interest margin | 2.6319% | 7,291 |
| Noninterest income to average assets | 0.5927% | 3,488 |
| Noninterest expense to average assets | 3.5445% | 1,924 |
| Loan and lease loss provision to assets | 3.0880% | 273 |
| Net operating income to assets | -3.5851% | 7,531 |
| Return on assets (ROA) | -3.5851% | 7,545 |
| Pretax return on assets | -3.5851% | 7,514 |
| Return on Equity (ROE) | -40.6324% | 7,502 |
| Retained earnings to average equity (ytd only) | -40.6324% | 7,500 |
| Net charge-offs to loans | 5.2809% | 155 |
| Credit loss provision to net charge-offs | 73.6513% | 5,322 |
| Earnings coverage of net charge-offs (x) | -0.1186% | 6,122 |
| Efficiency ratio | 116.3124% | 430 |
| Assets per employee ($millions) | 4.7875% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0497% | 2,101 |
| Loan loss allowance to noncurrent loans | 8.7484% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 20.8994% | 49 |
| Noncurrent loans to loans | 23.4297% | 41 |
| Net loans and leases to total assets | 73.9953% | 1,805 |
| Net loans and leases to deposits | 89.6154% | 1,771 |
| Net loans and leases to core deposits | 115.4861% | 769 |
| Total domestic deposits to total assets | 82.5699% | 4,763 |
| Equity capital to assets | 7.3635% | 7,202 |
| Core capital (leverage) ratio | 7.3886% | 6,950 |
| Tier 1 risk-based capital ratio | 8.7683% | 7,406 |
| Total risk-based capital ratio | 10.0084% | 7,424 |
| Memoranda: | ||
| Average total assets | $259,361,000 | 2,499 |
| Average earning assets | $241,900,000 | 2,446 |
| Average equity | $22,884,250 | 2,818 |
| Average total loans | $205,919,750 | 2,134 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 7,001 |
| Cost of funding earning assets | 1.7520% | 1,853 |
| Net interest margin | 2.5768% | 7,368 |
| Noninterest income to average assets | 0.6714% | 2,878 |
| Noninterest expense to average assets | 3.3181% | 2,508 |
| Loan and lease loss provision to assets | 2.3787% | 485 |
| Net operating income to assets | -2.6145% | 7,440 |
| Return on assets (ROA) | -2.6145% | 7,448 |
| Pretax return on assets | -2.6145% | 7,390 |
| Return on Equity (ROE) | -28.1251% | 7,408 |
| Retained earnings to average equity (ytd only) | -28.1251% | 7,395 |
| Net charge-offs to loans | 4.6633% | 236 |
| Credit loss provision to net charge-offs | 63.2533% | 5,132 |
| Earnings coverage of net charge-offs (x) | -0.0627% | 5,775 |
| Efficiency ratio | 107.6503% | 597 |
| Assets per employee ($millions) | 4.7947% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0864% | 1,990 |
| Loan loss allowance to noncurrent loans | 8.9214% | 7,276 |
| Noncurrent assets plus other real estate owned to assets | 20.6913% | 50 |
| Noncurrent loans to loans | 23.3868% | 40 |
| Net loans and leases to total assets | 78.6343% | 1,020 |
| Net loans and leases to deposits | 96.8430% | 974 |
| Net loans and leases to core deposits | 108.6302% | 1,251 |
| Total domestic deposits to total assets | 81.1976% | 5,332 |
| Equity capital to assets | 8.7637% | 5,794 |
| Core capital (leverage) ratio | 8.4825% | 5,437 |
| Tier 1 risk-based capital ratio | 10.1819% | 6,925 |
| Total risk-based capital ratio | 11.4404% | 6,888 |
| Memoranda: | ||
| Average total assets | $261,235,000 | 2,495 |
| Average earning assets | $244,411,330 | 2,451 |
| Average equity | $24,284,330 | 2,662 |
| Average total loans | $210,665,000 | 2,116 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 6,881 |
| Cost of funding earning assets | 1.7962% | 1,890 |
| Net interest margin | 2.6612% | 7,333 |
| Noninterest income to average assets | 0.4728% | 4,267 |
| Noninterest expense to average assets | 2.6043% | 5,343 |
| Loan and lease loss provision to assets | 1.4819% | 790 |
| Net operating income to assets | -1.1224% | 7,177 |
| Return on assets (ROA) | -1.1224% | 7,193 |
| Pretax return on assets | -1.1224% | 7,110 |
| Return on Equity (ROE) | -11.7510% | 7,201 |
| Retained earnings to average equity (ytd only) | -11.7510% | 7,052 |
| Net charge-offs to loans | 1.0750% | 1,554 |
| Credit loss provision to net charge-offs | 170.6087% | 2,130 |
| Earnings coverage of net charge-offs (x) | 0.4139% | 4,662 |
| Efficiency ratio | 87.8695% | 1,602 |
| Assets per employee ($millions) | 5.0268% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0560% | 781 |
| Loan loss allowance to noncurrent loans | 13.6719% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 19.8425% | 56 |
| Noncurrent loans to loans | 22.3524% | 55 |
| Net loans and leases to total assets | 77.0267% | 1,322 |
| Net loans and leases to deposits | 95.0170% | 1,231 |
| Net loans and leases to core deposits | 102.0899% | 1,891 |
| Total domestic deposits to total assets | 81.0662% | 5,436 |
| Equity capital to assets | 9.3864% | 4,698 |
| Core capital (leverage) ratio | 8.9959% | 4,579 |
| Tier 1 risk-based capital ratio | 11.5564% | 5,621 |
| Total risk-based capital ratio | 12.8133% | 5,592 |
| Memoranda: | ||
| Average total assets | $264,794,000 | 2,518 |
| Average earning assets | $247,857,500 | 2,469 |
| Average equity | $25,291,500 | 2,580 |
| Average total loans | $213,957,000 | 2,141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 6,713 |
| Cost of funding earning assets | 2.5615% | 870 |
| Net interest margin | 2.3387% | 7,554 |
| Noninterest income to average assets | 0.3635% | 5,491 |
| Noninterest expense to average assets | 2.3663% | 6,561 |
| Loan and lease loss provision to assets | 1.2524% | 1,847 |
| Net operating income to assets | -1.0529% | 6,613 |
| Return on assets (ROA) | -1.0369% | 6,599 |
| Pretax return on assets | -1.0376% | 6,436 |
| Return on Equity (ROE) | -10.7546% | 6,677 |
| Retained earnings to average equity (ytd only) | -10.7546% | 6,575 |
| Net charge-offs to loans | 0.8927% | 2,608 |
| Credit loss provision to net charge-offs | 172.3415% | 2,465 |
| Earnings coverage of net charge-offs (x) | 0.2736% | 5,838 |
| Efficiency ratio | 92.2489% | 1,547 |
| Assets per employee ($millions) | 4.6995% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8039% | 929 |
| Loan loss allowance to noncurrent loans | 19.5297% | 7,084 |
| Noncurrent assets plus other real estate owned to assets | 13.4407% | 182 |
| Noncurrent loans to loans | 14.3573% | 195 |
| Net loans and leases to total assets | 79.8605% | 1,018 |
| Net loans and leases to deposits | 100.1282% | 891 |
| Net loans and leases to core deposits | 147.6850% | 567 |
| Total domestic deposits to total assets | 79.7583% | 5,747 |
| Equity capital to assets | 9.7184% | 4,125 |
| Core capital (leverage) ratio | 9.2760% | 4,009 |
| Tier 1 risk-based capital ratio | 11.3320% | 5,584 |
| Total risk-based capital ratio | 12.5980% | 5,516 |
| Memoranda: | ||
| Average total assets | $275,623,600 | 2,377 |
| Average earning assets | $259,461,400 | 2,333 |
| Average equity | $26,574,600 | 2,484 |
| Average total loans | $224,385,200 | 2,065 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 6,918 |
| Cost of funding earning assets | 2.7141% | 765 |
| Net interest margin | 2.1700% | 7,725 |
| Noninterest income to average assets | 0.3516% | 5,678 |
| Noninterest expense to average assets | 2.2716% | 6,778 |
| Loan and lease loss provision to assets | 1.2915% | 1,489 |
| Net operating income to assets | -1.1657% | 6,942 |
| Return on assets (ROA) | -1.1657% | 6,945 |
| Pretax return on assets | -1.1667% | 6,799 |
| Return on Equity (ROE) | -12.1131% | 7,028 |
| Retained earnings to average equity (ytd only) | -12.1131% | 6,952 |
| Net charge-offs to loans | 0.7932% | 2,381 |
| Credit loss provision to net charge-offs | 200.4454% | 2,225 |
| Earnings coverage of net charge-offs (x) | 0.1938% | 5,830 |
| Efficiency ratio | 94.7904% | 1,348 |
| Assets per employee ($millions) | 5.4673% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7074% | 875 |
| Loan loss allowance to noncurrent loans | 29.7695% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 8.3169% | 499 |
| Noncurrent loans to loans | 9.0947% | 487 |
| Net loans and leases to total assets | 76.9017% | 1,803 |
| Net loans and leases to deposits | 94.4633% | 1,797 |
| Net loans and leases to core deposits | 131.6274% | 1,340 |
| Total domestic deposits to total assets | 81.4091% | 4,916 |
| Equity capital to assets | 9.3878% | 4,898 |
| Core capital (leverage) ratio | 9.1738% | 4,374 |
| Tier 1 risk-based capital ratio | 11.1406% | 5,824 |
| Total risk-based capital ratio | 12.4108% | 5,742 |
| Memoranda: | ||
| Average total assets | $278,737,000 | 2,369 |
| Average earning assets | $262,668,500 | 2,315 |
| Average equity | $26,824,250 | 2,486 |
| Average total loans | $226,423,500 | 2,081 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 6,997 |
| Cost of funding earning assets | 2.8560% | 680 |
| Net interest margin | 2.0579% | 7,826 |
| Noninterest income to average assets | 0.3624% | 5,614 |
| Noninterest expense to average assets | 2.2978% | 6,762 |
| Loan and lease loss provision to assets | 1.9375% | 843 |
| Net operating income to assets | -1.9339% | 7,415 |
| Return on assets (ROA) | -1.9339% | 7,405 |
| Pretax return on assets | -1.9354% | 7,270 |
| Return on Equity (ROE) | -19.9332% | 7,497 |
| Retained earnings to average equity (ytd only) | -19.9332% | 7,449 |
| Net charge-offs to loans | 1.0743% | 1,682 |
| Credit loss provision to net charge-offs | 220.0489% | 2,088 |
| Earnings coverage of net charge-offs (x) | 0.0024% | 5,691 |
| Efficiency ratio | 99.9064% | 1,179 |
| Assets per employee ($millions) | 5.4582% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7220% | 731 |
| Loan loss allowance to noncurrent loans | 23.0866% | 6,958 |
| Noncurrent assets plus other real estate owned to assets | 10.3980% | 263 |
| Noncurrent loans to loans | 11.7904% | 238 |
| Net loans and leases to total assets | 76.6441% | 2,026 |
| Net loans and leases to deposits | 97.8878% | 1,536 |
| Net loans and leases to core deposits | 136.9920% | 1,158 |
| Total domestic deposits to total assets | 78.2979% | 6,000 |
| Equity capital to assets | 9.0711% | 5,216 |
| Core capital (leverage) ratio | 9.2879% | 4,183 |
| Tier 1 risk-based capital ratio | 10.2965% | 6,597 |
| Total risk-based capital ratio | 11.5609% | 6,520 |
| Memoranda: | ||
| Average total assets | $278,706,000 | 2,387 |
| Average earning assets | $262,398,000 | 2,328 |
| Average equity | $27,040,330 | 2,471 |
| Average total loans | $228,434,000 | 2,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 7,165 |
| Cost of funding earning assets | 3.0275% | 575 |
| Net interest margin | 1.8771% | 7,949 |
| Noninterest income to average assets | 0.4070% | 5,162 |
| Noninterest expense to average assets | 2.3234% | 6,454 |
| Loan and lease loss provision to assets | 0.2897% | 3,637 |
| Net operating income to assets | -0.4186% | 6,799 |
| Return on assets (ROA) | -0.4186% | 6,867 |
| Pretax return on assets | -0.4215% | 6,758 |
| Return on Equity (ROE) | -4.1752% | 6,903 |
| Retained earnings to average equity (ytd only) | -4.1752% | 6,446 |
| Net charge-offs to loans | 2.1365% | 675 |
| Credit loss provision to net charge-offs | 16.2206% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.0738% | 5,046 |
| Efficiency ratio | 106.0145% | 928 |
| Assets per employee ($millions) | 5.1226% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5686% | 2,653 |
| Loan loss allowance to noncurrent loans | 26.8622% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 5.1045% | 879 |
| Noncurrent loans to loans | 5.8394% | 840 |
| Net loans and leases to total assets | 81.2346% | 1,147 |
| Net loans and leases to deposits | 105.3310% | 917 |
| Net loans and leases to core deposits | 158.6434% | 512 |
| Total domestic deposits to total assets | 77.1232% | 6,247 |
| Equity capital to assets | 9.9631% | 4,038 |
| Core capital (leverage) ratio | 9.7993% | 3,634 |
| Tier 1 risk-based capital ratio | 11.1339% | 5,780 |
| Total risk-based capital ratio | 12.3865% | 5,693 |
| Memoranda: | ||
| Average total assets | $276,146,500 | 2,413 |
| Average earning assets | $262,531,000 | 2,345 |
| Average equity | $27,687,500 | 2,441 |
| Average total loans | $230,840,000 | 2,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2135% | 4,442 |
| Cost of funding earning assets | 3.6851% | 281 |
| Net interest margin | 2.5283% | 7,722 |
| Noninterest income to average assets | 0.3471% | 5,964 |
| Noninterest expense to average assets | 2.1669% | 7,068 |
| Loan and lease loss provision to assets | 1.2877% | 1,105 |
| Net operating income to assets | -0.6461% | 7,036 |
| Return on assets (ROA) | -0.6461% | 6,928 |
| Pretax return on assets | -0.7042% | 6,814 |
| Return on Equity (ROE) | -6.7394% | 7,021 |
| Retained earnings to average equity (ytd only) | -6.7394% | 6,755 |
| Net charge-offs to loans | 0.4786% | 2,439 |
| Credit loss provision to net charge-offs | 320.4819% | 1,409 |
| Earnings coverage of net charge-offs (x) | 1.4523% | 5,387 |
| Efficiency ratio | 78.7842% | 2,793 |
| Assets per employee ($millions) | 5.2014% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,270 |
| Loan loss allowance to noncurrent loans | 152.3275% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,417 |
| Noncurrent loans to loans | 1.2978% | 3,915 |
| Net loans and leases to total assets | 82.9874% | 1,049 |
| Net loans and leases to deposits | 107.7644% | 991 |
| Net loans and leases to core deposits | 169.1833% | 417 |
| Total domestic deposits to total assets | 77.0082% | 5,990 |
| Equity capital to assets | 10.0899% | 3,927 |
| Core capital (leverage) ratio | 10.0420% | 3,404 |
| Tier 1 risk-based capital ratio | 11.1027% | 5,641 |
| Total risk-based capital ratio | 12.3601% | 5,515 |
| Memoranda: | ||
| Average total assets | $268,535,600 | 2,395 |
| Average earning assets | $255,268,000 | 2,324 |
| Average equity | $25,744,000 | 2,579 |
| Average total loans | $225,462,800 | 2,080 |