Home > Gwinnett Community Bank > Performance and Condition Ratios
Gwinnett Community Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 2,271 |
| Cost of funding earning assets | 0.7345% | 2,999 |
| Net interest margin | 3.9843% | 1,899 |
| Noninterest income to average assets | 0.4008% | 3,289 |
| Noninterest expense to average assets | 3.1866% | 1,556 |
| Loan and lease loss provision to assets | 0.0075% | 3,858 |
| Net operating income to assets | 0.7562% | 3,685 |
| Return on assets (ROA) | 0.7046% | 3,920 |
| Pretax return on assets | 0.7046% | 4,203 |
| Return on Equity (ROE) | 15.8695% | 558 |
| Retained earnings to average equity (ytd only) | 15.8695% | 72 |
| Net charge-offs to loans | -0.2096% | 5,061 |
| Credit loss provision to net charge-offs | -5.6106% | 4,103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6675% | 887 |
| Assets per employee ($millions) | 6.4006% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4645% | 1,329 |
| Loan loss allowance to noncurrent loans | 18,227.2727% | 51 |
| Noncurrent assets plus other real estate owned to assets | 5.0710% | 55 |
| Noncurrent loans to loans | 0.0080% | 4,562 |
| Net loans and leases to total assets | 60.2185% | 3,568 |
| Net loans and leases to deposits | 63.7078% | 4,093 |
| Net loans and leases to core deposits | 67.4045% | 4,114 |
| Total domestic deposits to total assets | 94.5228% | 4 |
| Equity capital to assets | 5.1727% | 5,168 |
| Core capital (leverage) ratio | 5.2090% | 5,167 |
| Tier 1 risk-based capital ratio | 7.3050% | 5,168 |
| Total risk-based capital ratio | 8.5556% | 5,168 |
| Memoranda: | ||
| Average total assets | $226,797,000 | 2,602 |
| Average earning assets | $202,042,000 | 2,692 |
| Average equity | $10,069,600 | 4,231 |
| Average total loans | $144,564,600 | 2,667 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7765% | 2,192 |
| Cost of funding earning assets | 0.7446% | 2,991 |
| Net interest margin | 4.0319% | 1,830 |
| Noninterest income to average assets | 0.3757% | 3,465 |
| Noninterest expense to average assets | 3.1625% | 1,545 |
| Loan and lease loss provision to assets | 0.0100% | 3,689 |
| Net operating income to assets | 0.7859% | 3,715 |
| Return on assets (ROA) | 0.7174% | 4,028 |
| Pretax return on assets | 0.7174% | 4,308 |
| Return on Equity (ROE) | 16.8417% | 494 |
| Retained earnings to average equity (ytd only) | 16.8417% | 88 |
| Net charge-offs to loans | -0.2603% | 5,142 |
| Credit loss provision to net charge-offs | -5.9441% | 3,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8934% | 933 |
| Assets per employee ($millions) | 6.3764% | 1,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,754 |
| Loan loss allowance to noncurrent loans | 10,463.1579% | 78 |
| Noncurrent assets plus other real estate owned to assets | 5.6718% | 55 |
| Noncurrent loans to loans | 0.0129% | 4,618 |
| Net loans and leases to total assets | 64.9747% | 3,179 |
| Net loans and leases to deposits | 68.6227% | 3,873 |
| Net loans and leases to core deposits | 73.3320% | 3,869 |
| Total domestic deposits to total assets | 94.6839% | 5 |
| Equity capital to assets | 5.0011% | 5,247 |
| Core capital (leverage) ratio | 4.9737% | 5,246 |
| Tier 1 risk-based capital ratio | 6.5822% | 5,247 |
| Total risk-based capital ratio | 7.7626% | 5,246 |
| Memoranda: | ||
| Average total assets | $227,491,000 | 2,620 |
| Average earning assets | $202,150,750 | 2,709 |
| Average equity | $9,690,000 | 4,328 |
| Average total loans | $146,479,000 | 2,679 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7719% | 2,153 |
| Cost of funding earning assets | 0.7379% | 2,959 |
| Net interest margin | 4.0340% | 1,817 |
| Noninterest income to average assets | 0.4796% | 2,784 |
| Noninterest expense to average assets | 3.1721% | 1,564 |
| Loan and lease loss provision to assets | 0.0149% | 3,479 |
| Net operating income to assets | 0.8745% | 3,383 |
| Return on assets (ROA) | 0.6875% | 4,098 |
| Pretax return on assets | 0.6875% | 4,359 |
| Return on Equity (ROE) | 17.1093% | 454 |
| Retained earnings to average equity (ytd only) | 17.1093% | 104 |
| Net charge-offs to loans | -0.3800% | 5,206 |
| Credit loss provision to net charge-offs | -6.1151% | 3,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1028% | 1,135 |
| Assets per employee ($millions) | 5.4283% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,805 |
| Loan loss allowance to noncurrent loans | 2,224.7191% | 304 |
| Noncurrent assets plus other real estate owned to assets | 5.8721% | 57 |
| Noncurrent loans to loans | 0.0608% | 4,410 |
| Net loans and leases to total assets | 64.9217% | 3,249 |
| Net loans and leases to deposits | 70.0247% | 3,840 |
| Net loans and leases to core deposits | 74.7477% | 3,841 |
| Total domestic deposits to total assets | 92.7126% | 17 |
| Equity capital to assets | 4.7519% | 5,295 |
| Core capital (leverage) ratio | 4.6933% | 5,295 |
| Tier 1 risk-based capital ratio | 6.3407% | 5,295 |
| Total risk-based capital ratio | 7.5197% | 5,295 |
| Memoranda: | ||
| Average total assets | $228,930,330 | 2,619 |
| Average earning assets | $203,272,330 | 2,703 |
| Average equity | $9,199,670 | 4,411 |
| Average total loans | $146,307,330 | 2,694 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 2,296 |
| Cost of funding earning assets | 0.6958% | 3,078 |
| Net interest margin | 3.9841% | 1,892 |
| Noninterest income to average assets | 0.5670% | 2,195 |
| Noninterest expense to average assets | 3.0795% | 1,778 |
| Loan and lease loss provision to assets | 0.0293% | 3,031 |
| Net operating income to assets | 0.9909% | 2,882 |
| Return on assets (ROA) | 0.7738% | 3,751 |
| Pretax return on assets | 0.7738% | 4,110 |
| Return on Equity (ROE) | 21.1009% | 209 |
| Retained earnings to average equity (ytd only) | 21.1009% | 84 |
| Net charge-offs to loans | -0.0301% | 4,645 |
| Credit loss provision to net charge-offs | -154.5455% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1156% | 1,600 |
| Assets per employee ($millions) | 5.3622% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 5.9637% | 50 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 65.1554% | 3,155 |
| Net loans and leases to deposits | 68.0264% | 3,927 |
| Net loans and leases to core deposits | 72.9315% | 3,871 |
| Total domestic deposits to total assets | 95.7796% | 5 |
| Equity capital to assets | 4.0588% | 5,354 |
| Core capital (leverage) ratio | 4.5207% | 5,354 |
| Tier 1 risk-based capital ratio | 6.0567% | 5,354 |
| Total risk-based capital ratio | 7.0632% | 5,355 |
| Memoranda: | ||
| Average total assets | $232,114,500 | 2,625 |
| Average earning assets | $205,818,000 | 2,709 |
| Average equity | $8,511,500 | 4,538 |
| Average total loans | $146,225,500 | 2,730 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 2,368 |
| Cost of funding earning assets | 0.7734% | 1,670 |
| Net interest margin | 3.7572% | 2,838 |
| Noninterest income to average assets | 0.0617% | 5,244 |
| Noninterest expense to average assets | 2.9244% | 2,260 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4590% | 4,751 |
| Return on assets (ROA) | 0.4590% | 4,750 |
| Pretax return on assets | 0.4590% | 4,859 |
| Return on Equity (ROE) | 16.5985% | 529 |
| Retained earnings to average equity (ytd only) | 16.5985% | 77 |
| Net charge-offs to loans | 0.2541% | 761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.0366% | 3,457 |
| Efficiency ratio | 86.4343% | 503 |
| Assets per employee ($millions) | 5.6881% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,723 |
| Loan loss allowance to noncurrent loans | 3,303.9216% | 246 |
| Noncurrent assets plus other real estate owned to assets | 6.5781% | 42 |
| Noncurrent loans to loans | 0.0354% | 4,612 |
| Net loans and leases to total assets | 59.5708% | 3,814 |
| Net loans and leases to deposits | 61.6836% | 4,390 |
| Net loans and leases to core deposits | 66.2986% | 4,336 |
| Total domestic deposits to total assets | 96.5747% | 3 |
| Equity capital to assets | 3.2507% | 5,401 |
| Core capital (leverage) ratio | 4.0989% | 5,399 |
| Tier 1 risk-based capital ratio | 5.8631% | 5,401 |
| Total risk-based capital ratio | 6.8769% | 5,401 |
| Memoranda: | ||
| Average total assets | $252,733,200 | 2,452 |
| Average earning assets | $223,440,600 | 2,535 |
| Average equity | $6,988,600 | 4,751 |
| Average total loans | $150,353,200 | 2,634 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 2,161 |
| Cost of funding earning assets | 0.7864% | 1,400 |
| Net interest margin | 3.7521% | 2,817 |
| Noninterest income to average assets | 0.0343% | 5,378 |
| Noninterest expense to average assets | 2.8681% | 2,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4814% | 4,798 |
| Return on assets (ROA) | 0.4814% | 4,801 |
| Pretax return on assets | 0.4814% | 4,927 |
| Return on Equity (ROE) | 18.1521% | 414 |
| Retained earnings to average equity (ytd only) | 18.1521% | 84 |
| Net charge-offs to loans | 0.3615% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.2451% | 3,263 |
| Efficiency ratio | 85.6277% | 536 |
| Assets per employee ($millions) | 5.7148% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 2,987 |
| Loan loss allowance to noncurrent loans | 5,338.7097% | 164 |
| Noncurrent assets plus other real estate owned to assets | 7.9989% | 37 |
| Noncurrent loans to loans | 0.0213% | 4,810 |
| Net loans and leases to total assets | 59.9566% | 3,849 |
| Net loans and leases to deposits | 61.7686% | 4,454 |
| Net loans and leases to core deposits | 66.5484% | 4,379 |
| Total domestic deposits to total assets | 97.0665% | 1 |
| Equity capital to assets | 2.7802% | 5,474 |
| Core capital (leverage) ratio | 3.8502% | 5,473 |
| Tier 1 risk-based capital ratio | 5.6114% | 5,474 |
| Total risk-based capital ratio | 6.5878% | 5,474 |
| Memoranda: | ||
| Average total assets | $256,191,750 | 2,449 |
| Average earning assets | $226,357,000 | 2,526 |
| Average equity | $6,794,250 | 4,826 |
| Average total loans | $151,941,750 | 2,638 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,129 |
| Cost of funding earning assets | 0.8045% | 1,108 |
| Net interest margin | 3.3905% | 3,983 |
| Noninterest income to average assets | 0.0474% | 5,407 |
| Noninterest expense to average assets | 2.7280% | 2,916 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3257% | 5,086 |
| Return on assets (ROA) | 0.3257% | 5,081 |
| Pretax return on assets | 0.3257% | 5,136 |
| Return on Equity (ROE) | 12.4659% | 1,556 |
| Retained earnings to average equity (ytd only) | 12.4659% | 450 |
| Net charge-offs to loans | -0.1739% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3340% | 396 |
| Assets per employee ($millions) | 5.7656% | 1,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,589 |
| Loan loss allowance to noncurrent loans | 32.7432% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 9.5167% | 25 |
| Noncurrent loans to loans | 4.4044% | 183 |
| Net loans and leases to total assets | 60.6715% | 3,745 |
| Net loans and leases to deposits | 62.4486% | 4,391 |
| Net loans and leases to core deposits | 66.9849% | 4,314 |
| Total domestic deposits to total assets | 97.1543% | 1 |
| Equity capital to assets | 2.6537% | 5,539 |
| Core capital (leverage) ratio | 3.5571% | 5,538 |
| Tier 1 risk-based capital ratio | 4.9944% | 5,538 |
| Total risk-based capital ratio | 6.2142% | 5,538 |
| Memoranda: | ||
| Average total assets | $261,581,670 | 2,408 |
| Average earning assets | $231,945,330 | 2,497 |
| Average equity | $6,834,670 | 4,872 |
| Average total loans | $154,067,670 | 2,619 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,348 |
| Cost of funding earning assets | 0.8520% | 762 |
| Net interest margin | 3.2146% | 4,413 |
| Noninterest income to average assets | 0.0790% | 5,401 |
| Noninterest expense to average assets | 2.7033% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2265% | 5,213 |
| Return on assets (ROA) | 0.2265% | 5,213 |
| Pretax return on assets | 0.2265% | 5,240 |
| Return on Equity (ROE) | 8.7325% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.7325% | 1,563 |
| Net charge-offs to loans | -0.1525% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2686% | 355 |
| Assets per employee ($millions) | 6.1634% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 1,969 |
| Loan loss allowance to noncurrent loans | 21.2049% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 11.0186% | 16 |
| Noncurrent loans to loans | 6.4386% | 90 |
| Net loans and leases to total assets | 59.3328% | 3,811 |
| Net loans and leases to deposits | 60.9864% | 4,402 |
| Net loans and leases to core deposits | 65.3677% | 4,354 |
| Total domestic deposits to total assets | 97.2885% | 2 |
| Equity capital to assets | 2.5376% | 5,601 |
| Core capital (leverage) ratio | 3.2824% | 5,600 |
| Tier 1 risk-based capital ratio | 4.5685% | 5,602 |
| Total risk-based capital ratio | 5.6800% | 5,602 |
| Memoranda: | ||
| Average total assets | $268,411,500 | 2,380 |
| Average earning assets | $238,035,500 | 2,467 |
| Average equity | $6,962,500 | 4,898 |
| Average total loans | $154,792,000 | 2,633 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 3,597 |
| Cost of funding earning assets | 1.0155% | 197 |
| Net interest margin | 2.9278% | 5,006 |
| Noninterest income to average assets | 0.1735% | 5,090 |
| Noninterest expense to average assets | 2.5779% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1718% | 5,159 |
| Return on assets (ROA) | 0.2430% | 5,041 |
| Pretax return on assets | 0.2430% | 5,269 |
| Return on Equity (ROE) | 10.3734% | 1,738 |
| Retained earnings to average equity (ytd only) | 10.3734% | 305 |
| Net charge-offs to loans | 0.4682% | 509 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.6654% | 3,976 |
| Efficiency ratio | 93.7515% | 303 |
| Assets per employee ($millions) | 7.1272% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 2,006 |
| Loan loss allowance to noncurrent loans | 25.0000% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 9.8539% | 25 |
| Noncurrent loans to loans | 5.3734% | 117 |
| Net loans and leases to total assets | 54.6123% | 4,305 |
| Net loans and leases to deposits | 59.5158% | 4,598 |
| Net loans and leases to core deposits | 63.7967% | 4,543 |
| Total domestic deposits to total assets | 91.7611% | 101 |
| Equity capital to assets | 2.6464% | 5,665 |
| Core capital (leverage) ratio | 3.0784% | 5,665 |
| Tier 1 risk-based capital ratio | 4.5122% | 5,667 |
| Total risk-based capital ratio | 5.5985% | 5,667 |
| Memoranda: | ||
| Average total assets | $296,254,200 | 2,189 |
| Average earning assets | $260,669,800 | 2,281 |
| Average equity | $6,940,800 | 4,946 |
| Average total loans | $163,404,600 | 2,499 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 3,594 |
| Cost of funding earning assets | 1.0334% | 161 |
| Net interest margin | 2.8938% | 5,093 |
| Noninterest income to average assets | 0.0749% | 5,545 |
| Noninterest expense to average assets | 2.5387% | 3,598 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0767% | 5,460 |
| Return on assets (ROA) | 0.2398% | 5,328 |
| Pretax return on assets | 0.2398% | 5,351 |
| Return on Equity (ROE) | 10.5502% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.5502% | 478 |
| Net charge-offs to loans | 0.6257% | 316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 0.2224% | 3,683 |
| Efficiency ratio | 97.0683% | 227 |
| Assets per employee ($millions) | 7.1911% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 2,296 |
| Loan loss allowance to noncurrent loans | 24.8068% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 10.8350% | 23 |
| Noncurrent loans to loans | 5.2907% | 141 |
| Net loans and leases to total assets | 55.0709% | 4,314 |
| Net loans and leases to deposits | 60.1363% | 4,633 |
| Net loans and leases to core deposits | 64.4885% | 4,584 |
| Total domestic deposits to total assets | 91.5768% | 94 |
| Equity capital to assets | 2.7199% | 5,732 |
| Core capital (leverage) ratio | 2.8948% | 5,731 |
| Tier 1 risk-based capital ratio | 4.2051% | 5,733 |
| Total risk-based capital ratio | 5.2327% | 5,733 |
| Memoranda: | ||
| Average total assets | $300,827,500 | 2,181 |
| Average earning assets | $264,100,250 | 2,272 |
| Average equity | $6,837,000 | 5,024 |
| Average total loans | $165,788,750 | 2,484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 3,577 |
| Cost of funding earning assets | 1.0519% | 129 |
| Net interest margin | 2.8403% | 5,184 |
| Noninterest income to average assets | 0.0136% | 5,709 |
| Noninterest expense to average assets | 2.4504% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0473% | 5,528 |
| Return on assets (ROA) | 0.2849% | 5,270 |
| Pretax return on assets | 0.2849% | 5,356 |
| Return on Equity (ROE) | 11.1637% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.1637% | 416 |
| Net charge-offs to loans | 0.5014% | 395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 0.1722% | 3,398 |
| Efficiency ratio | 98.1078% | 216 |
| Assets per employee ($millions) | 7.4452% | 759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,317 |
| Loan loss allowance to noncurrent loans | 30.7548% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 10.5747% | 25 |
| Noncurrent loans to loans | 5.1362% | 143 |
| Net loans and leases to total assets | 54.7316% | 4,340 |
| Net loans and leases to deposits | 59.6477% | 4,657 |
| Net loans and leases to core deposits | 64.0081% | 4,604 |
| Total domestic deposits to total assets | 91.7581% | 96 |
| Equity capital to assets | 2.8935% | 5,781 |
| Core capital (leverage) ratio | 3.0276% | 5,782 |
| Tier 1 risk-based capital ratio | 4.3445% | 5,782 |
| Total risk-based capital ratio | 5.5699% | 5,782 |
| Memoranda: | ||
| Average total assets | $308,928,330 | 2,137 |
| Average earning assets | $270,182,670 | 2,237 |
| Average equity | $7,882,670 | 4,874 |
| Average total loans | $169,139,330 | 2,450 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,338 |
| Cost of funding earning assets | 1.0657% | 114 |
| Net interest margin | 2.8515% | 5,161 |
| Noninterest income to average assets | 0.1959% | 5,095 |
| Noninterest expense to average assets | 2.4764% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2073% | 5,385 |
| Return on assets (ROA) | 0.2137% | 5,389 |
| Pretax return on assets | 0.2137% | 5,421 |
| Return on Equity (ROE) | 8.9415% | 2,449 |
| Retained earnings to average equity (ytd only) | 8.9415% | 1,100 |
| Net charge-offs to loans | -0.0889% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2749% | 438 |
| Assets per employee ($millions) | 7.6581% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8095% | 941 |
| Loan loss allowance to noncurrent loans | 33.9024% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 10.4793% | 32 |
| Noncurrent loans to loans | 5.3374% | 144 |
| Net loans and leases to total assets | 53.1954% | 4,405 |
| Net loans and leases to deposits | 57.5257% | 4,732 |
| Net loans and leases to core deposits | 61.7108% | 4,677 |
| Total domestic deposits to total assets | 92.4725% | 61 |
| Equity capital to assets | 2.4642% | 5,850 |
| Core capital (leverage) ratio | 2.8678% | 5,850 |
| Tier 1 risk-based capital ratio | 4.0343% | 5,849 |
| Total risk-based capital ratio | 5.2860% | 5,848 |
| Memoranda: | ||
| Average total assets | $314,489,500 | 2,125 |
| Average earning assets | $274,386,500 | 2,218 |
| Average equity | $7,515,500 | 4,968 |
| Average total loans | $170,904,000 | 2,453 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 4,134 |
| Cost of funding earning assets | 1.1196% | 86 |
| Net interest margin | 2.6081% | 5,509 |
| Noninterest income to average assets | 0.3263% | 4,404 |
| Noninterest expense to average assets | 2.5625% | 3,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.0022% | 5,641 |
| Return on assets (ROA) | 0.0992% | 5,594 |
| Pretax return on assets | 0.1050% | 5,590 |
| Return on Equity (ROE) | 3.5045% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.5045% | 3,436 |
| Net charge-offs to loans | -0.0115% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9288% | 226 |
| Assets per employee ($millions) | 7.8891% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 998 |
| Loan loss allowance to noncurrent loans | 28.8152% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 12.7854% | 22 |
| Noncurrent loans to loans | 6.1442% | 93 |
| Net loans and leases to total assets | 53.4491% | 4,487 |
| Net loans and leases to deposits | 57.7839% | 4,803 |
| Net loans and leases to core deposits | 61.9642% | 4,755 |
| Total domestic deposits to total assets | 92.4982% | 65 |
| Equity capital to assets | 2.4911% | 5,904 |
| Core capital (leverage) ratio | 2.9419% | 5,904 |
| Tier 1 risk-based capital ratio | 4.1149% | 5,902 |
| Total risk-based capital ratio | 5.3664% | 5,902 |
| Memoranda: | ||
| Average total assets | $328,504,800 | 2,009 |
| Average earning assets | $281,895,800 | 2,142 |
| Average equity | $9,302,200 | 4,688 |
| Average total loans | $174,159,200 | 2,373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 4,265 |
| Cost of funding earning assets | 1.1248% | 78 |
| Net interest margin | 2.5694% | 5,609 |
| Noninterest income to average assets | 0.5719% | 2,802 |
| Noninterest expense to average assets | 2.5935% | 3,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1759% | 5,507 |
| Return on assets (ROA) | 0.3095% | 5,355 |
| Pretax return on assets | 0.3171% | 5,436 |
| Return on Equity (ROE) | 10.6250% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.6250% | 470 |
| Net charge-offs to loans | 0.0168% | 3,384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.4565% | 1,873 |
| Efficiency ratio | 93.4811% | 406 |
| Assets per employee ($millions) | 7.3479% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 968 |
| Loan loss allowance to noncurrent loans | 28.3821% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 13.7037% | 22 |
| Noncurrent loans to loans | 6.4298% | 103 |
| Net loans and leases to total assets | 49.8856% | 4,828 |
| Net loans and leases to deposits | 54.3816% | 5,088 |
| Net loans and leases to core deposits | 58.5327% | 5,022 |
| Total domestic deposits to total assets | 91.7323% | 93 |
| Equity capital to assets | 3.1966% | 5,971 |
| Core capital (leverage) ratio | 3.0166% | 5,972 |
| Tier 1 risk-based capital ratio | 4.4119% | 5,971 |
| Total risk-based capital ratio | 5.6631% | 5,972 |
| Memoranda: | ||
| Average total assets | $331,740,000 | 1,999 |
| Average earning assets | $284,366,000 | 2,137 |
| Average equity | $9,662,500 | 4,686 |
| Average total loans | $174,772,500 | 2,368 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,428 |
| Cost of funding earning assets | 1.1296% | 77 |
| Net interest margin | 2.5265% | 5,725 |
| Noninterest income to average assets | 0.7969% | 1,728 |
| Noninterest expense to average assets | 2.5102% | 4,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4470% | 4,879 |
| Return on assets (ROA) | 0.5847% | 4,458 |
| Pretax return on assets | 0.5960% | 4,897 |
| Return on Equity (ROE) | 20.7240% | 209 |
| Retained earnings to average equity (ytd only) | 20.7240% | 55 |
| Net charge-offs to loans | 0.3254% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.6276% | 3,247 |
| Efficiency ratio | 84.6402% | 994 |
| Assets per employee ($millions) | 7.2768% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,545 |
| Loan loss allowance to noncurrent loans | 15.9612% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 15.8724% | 15 |
| Noncurrent loans to loans | 9.9853% | 38 |
| Net loans and leases to total assets | 51.4764% | 4,719 |
| Net loans and leases to deposits | 56.0800% | 5,006 |
| Net loans and leases to core deposits | 60.5691% | 4,957 |
| Total domestic deposits to total assets | 91.7909% | 102 |
| Equity capital to assets | 3.1946% | 6,047 |
| Core capital (leverage) ratio | 3.0323% | 6,048 |
| Tier 1 risk-based capital ratio | 4.3419% | 6,048 |
| Total risk-based capital ratio | 5.5211% | 6,048 |
| Memoranda: | ||
| Average total assets | $334,550,670 | 1,990 |
| Average earning assets | $287,192,670 | 2,130 |
| Average equity | $9,438,330 | 4,748 |
| Average total loans | $178,269,330 | 2,331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,484 |
| Cost of funding earning assets | 1.1257% | 81 |
| Net interest margin | 2.5204% | 5,788 |
| Noninterest income to average assets | 0.3360% | 4,328 |
| Noninterest expense to average assets | 2.1804% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3057% | 5,289 |
| Return on assets (ROA) | 0.3123% | 5,353 |
| Pretax return on assets | 0.3348% | 5,442 |
| Return on Equity (ROE) | 11.8293% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.8293% | 529 |
| Net charge-offs to loans | 0.8011% | 256 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.7610% | 2,894 |
| Efficiency ratio | 86.9340% | 897 |
| Assets per employee ($millions) | 7.4440% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,044 |
| Loan loss allowance to noncurrent loans | 13.7049% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 16.0845% | 16 |
| Noncurrent loans to loans | 10.8603% | 34 |
| Net loans and leases to total assets | 52.4782% | 4,582 |
| Net loans and leases to deposits | 56.7831% | 4,936 |
| Net loans and leases to core deposits | 61.2618% | 4,858 |
| Total domestic deposits to total assets | 92.4187% | 70 |
| Equity capital to assets | 2.8031% | 6,107 |
| Core capital (leverage) ratio | 2.7731% | 6,108 |
| Tier 1 risk-based capital ratio | 3.8899% | 6,112 |
| Total risk-based capital ratio | 4.9962% | 6,113 |
| Memoranda: | ||
| Average total assets | $338,098,500 | 1,980 |
| Average earning assets | $291,383,500 | 2,116 |
| Average equity | $8,927,000 | 4,878 |
| Average total loans | $181,758,000 | 2,294 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,391 |
| Cost of funding earning assets | 1.1591% | 67 |
| Net interest margin | 2.5320% | 5,804 |
| Noninterest income to average assets | 0.4425% | 3,727 |
| Noninterest expense to average assets | 2.6302% | 3,819 |
| Loan and lease loss provision to assets | 0.0710% | 2,857 |
| Net operating income to assets | -0.0293% | 5,883 |
| Return on assets (ROA) | -0.0139% | 5,901 |
| Pretax return on assets | -0.0139% | 5,892 |
| Return on Equity (ROE) | -0.5716% | 5,926 |
| Retained earnings to average equity (ytd only) | -0.5716% | 5,606 |
| Net charge-offs to loans | 1.6329% | 93 |
| Credit loss provision to net charge-offs | 7.4985% | 3,842 |
| Earnings coverage of net charge-offs (x) | 0.0441% | 4,266 |
| Efficiency ratio | 98.4373% | 324 |
| Assets per employee ($millions) | 7.4177% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6318% | 1,527 |
| Loan loss allowance to noncurrent loans | 13.3853% | 5,532 |
| Noncurrent assets plus other real estate owned to assets | 16.1297% | 16 |
| Noncurrent loans to loans | 12.1912% | 30 |
| Net loans and leases to total assets | 53.3527% | 4,556 |
| Net loans and leases to deposits | 57.4777% | 4,945 |
| Net loans and leases to core deposits | 62.3664% | 4,853 |
| Total domestic deposits to total assets | 92.8233% | 52 |
| Equity capital to assets | 2.4805% | 6,171 |
| Core capital (leverage) ratio | 2.6623% | 6,171 |
| Tier 1 risk-based capital ratio | 3.7217% | 6,171 |
| Total risk-based capital ratio | 4.9601% | 6,172 |
| Memoranda: | ||
| Average total assets | $352,068,200 | 1,857 |
| Average earning assets | $309,994,000 | 1,958 |
| Average equity | $8,572,600 | 4,944 |
| Average total loans | $204,180,200 | 2,039 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,451 |
| Cost of funding earning assets | 1.1670% | 67 |
| Net interest margin | 2.5225% | 5,899 |
| Noninterest income to average assets | 0.4633% | 3,607 |
| Noninterest expense to average assets | 2.6821% | 3,623 |
| Loan and lease loss provision to assets | 0.3957% | 308 |
| Net operating income to assets | -0.3923% | 6,113 |
| Return on assets (ROA) | -0.3722% | 6,118 |
| Pretax return on assets | -0.3722% | 6,106 |
| Return on Equity (ROE) | -12.0917% | 6,199 |
| Retained earnings to average equity (ytd only) | -12.0917% | 6,155 |
| Net charge-offs to loans | 0.8423% | 235 |
| Credit loss provision to net charge-offs | 80.3030% | 2,606 |
| Earnings coverage of net charge-offs (x) | 0.0068% | 3,990 |
| Efficiency ratio | 99.8749% | 301 |
| Assets per employee ($millions) | 6.8853% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 665 |
| Loan loss allowance to noncurrent loans | 16.3521% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 17.5051% | 14 |
| Noncurrent loans to loans | 13.4422% | 23 |
| Net loans and leases to total assets | 55.7562% | 4,382 |
| Net loans and leases to deposits | 60.3970% | 4,829 |
| Net loans and leases to core deposits | 65.2994% | 4,739 |
| Total domestic deposits to total assets | 92.3161% | 79 |
| Equity capital to assets | 3.0381% | 6,254 |
| Core capital (leverage) ratio | 3.1732% | 6,255 |
| Tier 1 risk-based capital ratio | 4.2715% | 6,257 |
| Total risk-based capital ratio | 5.5266% | 6,258 |
| Memoranda: | ||
| Average total assets | $357,175,000 | 1,849 |
| Average earning assets | $314,652,000 | 1,935 |
| Average equity | $10,993,500 | 4,533 |
| Average total loans | $208,958,250 | 2,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6631% | 4,533 |
| Cost of funding earning assets | 1.1817% | 63 |
| Net interest margin | 2.4814% | 5,980 |
| Noninterest income to average assets | 0.3890% | 4,165 |
| Noninterest expense to average assets | 2.5706% | 4,001 |
| Loan and lease loss provision to assets | 0.2545% | 673 |
| Net operating income to assets | -0.2379% | 6,121 |
| Return on assets (ROA) | -0.2091% | 6,126 |
| Pretax return on assets | -0.2091% | 6,112 |
| Return on Equity (ROE) | -6.7671% | 6,216 |
| Retained earnings to average equity (ytd only) | -6.7671% | 6,078 |
| Net charge-offs to loans | 1.3124% | 142 |
| Credit loss provision to net charge-offs | 32.8806% | 2,896 |
| Earnings coverage of net charge-offs (x) | 0.0214% | 3,709 |
| Efficiency ratio | 99.3584% | 340 |
| Assets per employee ($millions) | 6.9895% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7334% | 1,533 |
| Loan loss allowance to noncurrent loans | 10.2268% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 18.2176% | 12 |
| Noncurrent loans to loans | 16.9498% | 17 |
| Net loans and leases to total assets | 58.9643% | 3,983 |
| Net loans and leases to deposits | 63.7744% | 4,556 |
| Net loans and leases to core deposits | 69.0479% | 4,410 |
| Total domestic deposits to total assets | 92.4576% | 89 |
| Equity capital to assets | 2.9358% | 6,332 |
| Core capital (leverage) ratio | 3.2636% | 6,328 |
| Tier 1 risk-based capital ratio | 4.2632% | 6,332 |
| Total risk-based capital ratio | 5.5142% | 6,334 |
| Memoranda: | ||
| Average total assets | $361,478,330 | 1,833 |
| Average earning assets | $320,224,000 | 1,915 |
| Average equity | $11,171,670 | 4,531 |
| Average total loans | $213,190,000 | 1,987 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6505% | 4,531 |
| Cost of funding earning assets | 1.1988% | 61 |
| Net interest margin | 2.4517% | 6,066 |
| Noninterest income to average assets | 0.4147% | 3,883 |
| Noninterest expense to average assets | 2.3871% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2025% | 5,682 |
| Return on assets (ROA) | 0.2025% | 5,769 |
| Pretax return on assets | 0.2025% | 5,823 |
| Return on Equity (ROE) | 6.3986% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.3986% | 2,290 |
| Net charge-offs to loans | -0.3759% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1816% | 701 |
| Assets per employee ($millions) | 7.2132% | 774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2455% | 756 |
| Loan loss allowance to noncurrent loans | 13.5991% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 18.0921% | 14 |
| Noncurrent loans to loans | 16.5124% | 19 |
| Net loans and leases to total assets | 57.6478% | 4,002 |
| Net loans and leases to deposits | 62.4917% | 4,526 |
| Net loans and leases to core deposits | 67.2840% | 4,404 |
| Total domestic deposits to total assets | 92.2487% | 124 |
| Equity capital to assets | 3.3197% | 6,400 |
| Core capital (leverage) ratio | 3.3144% | 6,399 |
| Tier 1 risk-based capital ratio | 4.4034% | 6,404 |
| Total risk-based capital ratio | 5.6594% | 6,404 |
| Memoranda: | ||
| Average total assets | $367,479,500 | 1,808 |
| Average earning assets | $325,983,500 | 1,893 |
| Average equity | $11,627,500 | 4,485 |
| Average total loans | $214,934,500 | 1,977 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5853% | 5,116 |
| Cost of funding earning assets | 1.2943% | 56 |
| Net interest margin | 2.2911% | 6,273 |
| Noninterest income to average assets | 0.3362% | 4,707 |
| Noninterest expense to average assets | 2.3515% | 4,975 |
| Loan and lease loss provision to assets | 0.5025% | 303 |
| Net operating income to assets | -0.4688% | 6,288 |
| Return on assets (ROA) | -0.4520% | 6,286 |
| Pretax return on assets | -0.4520% | 6,273 |
| Return on Equity (ROE) | -15.2329% | 6,415 |
| Retained earnings to average equity (ytd only) | -15.2329% | 6,387 |
| Net charge-offs to loans | 0.5862% | 685 |
| Credit loss provision to net charge-offs | 140.9443% | 1,684 |
| Earnings coverage of net charge-offs (x) | 0.0944% | 4,695 |
| Efficiency ratio | 98.5884% | 403 |
| Assets per employee ($millions) | 7.4860% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1061% | 941 |
| Loan loss allowance to noncurrent loans | 12.1925% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 17.3445% | 21 |
| Noncurrent loans to loans | 17.2737% | 16 |
| Net loans and leases to total assets | 56.8013% | 4,227 |
| Net loans and leases to deposits | 62.1471% | 4,714 |
| Net loans and leases to core deposits | 67.2408% | 4,577 |
| Total domestic deposits to total assets | 91.3980% | 251 |
| Equity capital to assets | 3.0142% | 6,491 |
| Core capital (leverage) ratio | 3.1433% | 6,491 |
| Tier 1 risk-based capital ratio | 4.7100% | 6,491 |
| Total risk-based capital ratio | 5.9668% | 6,493 |
| Memoranda: | ||
| Average total assets | $397,996,600 | 1,648 |
| Average earning assets | $355,949,200 | 1,684 |
| Average equity | $11,810,000 | 4,395 |
| Average total loans | $242,051,400 | 1,745 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 5,111 |
| Cost of funding earning assets | 1.2999% | 55 |
| Net interest margin | 2.3120% | 6,335 |
| Noninterest income to average assets | 0.3179% | 4,894 |
| Noninterest expense to average assets | 2.1552% | 5,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2317% | 5,776 |
| Return on assets (ROA) | 0.2489% | 5,799 |
| Pretax return on assets | 0.2489% | 5,868 |
| Return on Equity (ROE) | 8.4183% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.4183% | 1,182 |
| Net charge-offs to loans | 0.3464% | 1,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.0884% | 4,236 |
| Efficiency ratio | 90.2918% | 829 |
| Assets per employee ($millions) | 7.6857% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 2,673 |
| Loan loss allowance to noncurrent loans | 9.0697% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 17.1393% | 22 |
| Noncurrent loans to loans | 16.6173% | 21 |
| Net loans and leases to total assets | 56.9351% | 4,208 |
| Net loans and leases to deposits | 62.4382% | 4,699 |
| Net loans and leases to core deposits | 67.5248% | 4,552 |
| Total domestic deposits to total assets | 91.1863% | 306 |
| Equity capital to assets | 3.3730% | 6,560 |
| Core capital (leverage) ratio | 3.7296% | 6,558 |
| Tier 1 risk-based capital ratio | 5.5418% | 6,556 |
| Total risk-based capital ratio | 6.7920% | 6,557 |
| Memoranda: | ||
| Average total assets | $403,921,250 | 1,648 |
| Average earning assets | $361,462,500 | 1,678 |
| Average equity | $11,942,000 | 4,397 |
| Average total loans | $248,269,250 | 1,708 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6691% | 4,953 |
| Cost of funding earning assets | 1.2697% | 69 |
| Net interest margin | 2.3994% | 6,362 |
| Noninterest income to average assets | 0.4103% | 4,170 |
| Noninterest expense to average assets | 2.1585% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4064% | 5,197 |
| Return on assets (ROA) | 0.4064% | 5,280 |
| Pretax return on assets | 0.4064% | 5,544 |
| Return on Equity (ROE) | 14.3768% | 893 |
| Retained earnings to average equity (ytd only) | 14.3768% | 244 |
| Net charge-offs to loans | 0.1362% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.7657% | 3,051 |
| Efficiency ratio | 84.1565% | 1,494 |
| Assets per employee ($millions) | 8.0345% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 2,737 |
| Loan loss allowance to noncurrent loans | 9.9164% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 16.0273% | 28 |
| Noncurrent loans to loans | 15.4936% | 31 |
| Net loans and leases to total assets | 60.9084% | 3,578 |
| Net loans and leases to deposits | 66.5453% | 4,218 |
| Net loans and leases to core deposits | 71.6849% | 4,081 |
| Total domestic deposits to total assets | 91.5293% | 259 |
| Equity capital to assets | 3.1960% | 6,625 |
| Core capital (leverage) ratio | 3.6120% | 6,622 |
| Tier 1 risk-based capital ratio | 5.1494% | 6,627 |
| Total risk-based capital ratio | 6.4007% | 6,627 |
| Memoranda: | ||
| Average total assets | $410,466,000 | 1,623 |
| Average earning assets | $368,595,330 | 1,646 |
| Average equity | $11,602,000 | 4,473 |
| Average total loans | $256,978,330 | 1,650 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6239% | 5,090 |
| Cost of funding earning assets | 1.2718% | 72 |
| Net interest margin | 2.3521% | 6,449 |
| Noninterest income to average assets | 0.2449% | 5,400 |
| Noninterest expense to average assets | 2.0953% | 5,691 |
| Loan and lease loss provision to assets | 0.0964% | 2,320 |
| Net operating income to assets | 0.1610% | 5,905 |
| Return on assets (ROA) | 0.1610% | 5,944 |
| Pretax return on assets | 0.1610% | 5,993 |
| Return on Equity (ROE) | 6.0819% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.0819% | 2,499 |
| Net charge-offs to loans | 0.4242% | 859 |
| Credit loss provision to net charge-offs | 36.1011% | 2,343 |
| Earnings coverage of net charge-offs (x) | 0.9639% | 3,223 |
| Efficiency ratio | 89.0574% | 1,124 |
| Assets per employee ($millions) | 8.5037% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,255 |
| Loan loss allowance to noncurrent loans | 9.9068% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 16.1790% | 33 |
| Noncurrent loans to loans | 14.9111% | 42 |
| Net loans and leases to total assets | 62.3525% | 3,179 |
| Net loans and leases to deposits | 67.7554% | 3,881 |
| Net loans and leases to core deposits | 72.8578% | 3,778 |
| Total domestic deposits to total assets | 92.0258% | 238 |
| Equity capital to assets | 2.7912% | 6,699 |
| Core capital (leverage) ratio | 3.3657% | 6,693 |
| Tier 1 risk-based capital ratio | 4.7138% | 6,697 |
| Total risk-based capital ratio | 5.9644% | 6,700 |
| Memoranda: | ||
| Average total assets | $414,836,000 | 1,617 |
| Average earning assets | $371,754,500 | 1,640 |
| Average equity | $10,983,500 | 4,618 |
| Average total loans | $261,216,000 | 1,628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8568% | 4,619 |
| Cost of funding earning assets | 1.4059% | 70 |
| Net interest margin | 2.4510% | 6,410 |
| Noninterest income to average assets | 0.3731% | 4,642 |
| Noninterest expense to average assets | 1.7784% | 6,356 |
| Loan and lease loss provision to assets | 0.2314% | 1,559 |
| Net operating income to assets | 0.5331% | 4,583 |
| Return on assets (ROA) | 0.5420% | 4,672 |
| Pretax return on assets | 0.5420% | 5,065 |
| Return on Equity (ROE) | 18.6064% | 370 |
| Retained earnings to average equity (ytd only) | 18.6064% | 101 |
| Net charge-offs to loans | 0.6094% | 1,075 |
| Credit loss provision to net charge-offs | 60.0235% | 3,561 |
| Earnings coverage of net charge-offs (x) | 1.9830% | 4,386 |
| Efficiency ratio | 69.9349% | 3,845 |
| Assets per employee ($millions) | 8.7811% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 3,127 |
| Loan loss allowance to noncurrent loans | 10.2492% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 16.0735% | 40 |
| Noncurrent loans to loans | 14.7512% | 41 |
| Net loans and leases to total assets | 61.7124% | 3,410 |
| Net loans and leases to deposits | 66.7587% | 4,211 |
| Net loans and leases to core deposits | 71.5059% | 4,126 |
| Total domestic deposits to total assets | 92.4409% | 204 |
| Equity capital to assets | 2.5087% | 6,772 |
| Core capital (leverage) ratio | 3.1967% | 6,771 |
| Tier 1 risk-based capital ratio | 4.5465% | 6,774 |
| Total risk-based capital ratio | 5.7973% | 6,777 |
| Memoranda: | ||
| Average total assets | $441,177,000 | 1,502 |
| Average earning assets | $390,578,800 | 1,550 |
| Average equity | $12,850,400 | 4,294 |
| Average total loans | $279,132,400 | 1,511 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 4,346 |
| Cost of funding earning assets | 1.4312% | 67 |
| Net interest margin | 2.5093% | 6,418 |
| Noninterest income to average assets | 0.3927% | 4,587 |
| Noninterest expense to average assets | 1.6812% | 6,489 |
| Loan and lease loss provision to assets | 0.7472% | 286 |
| Net operating income to assets | 0.1799% | 5,964 |
| Return on assets (ROA) | 0.1916% | 6,009 |
| Pretax return on assets | 0.1916% | 6,053 |
| Return on Equity (ROE) | 6.3687% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.3687% | 2,201 |
| Net charge-offs to loans | 1.5473% | 291 |
| Credit loss provision to net charge-offs | 76.1499% | 2,943 |
| Earnings coverage of net charge-offs (x) | 0.9449% | 4,535 |
| Efficiency ratio | 64.4551% | 4,729 |
| Assets per employee ($millions) | 8.7668% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 1,753 |
| Loan loss allowance to noncurrent loans | 14.3042% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 16.1313% | 41 |
| Noncurrent loans to loans | 13.8886% | 53 |
| Net loans and leases to total assets | 62.3285% | 3,303 |
| Net loans and leases to deposits | 67.6078% | 4,111 |
| Net loans and leases to core deposits | 72.3484% | 4,052 |
| Total domestic deposits to total assets | 92.1913% | 223 |
| Equity capital to assets | 2.8354% | 6,849 |
| Core capital (leverage) ratio | 3.5201% | 6,841 |
| Tier 1 risk-based capital ratio | 4.7464% | 6,850 |
| Total risk-based capital ratio | 6.0019% | 6,853 |
| Memoranda: | ||
| Average total assets | $446,097,750 | 1,494 |
| Average earning assets | $393,881,500 | 1,547 |
| Average equity | $13,419,500 | 4,230 |
| Average total loans | $282,888,750 | 1,504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 4,507 |
| Cost of funding earning assets | 1.4660% | 64 |
| Net interest margin | 2.4266% | 6,530 |
| Noninterest income to average assets | 0.3330% | 5,033 |
| Noninterest expense to average assets | 1.3401% | 6,765 |
| Loan and lease loss provision to assets | 0.8857% | 221 |
| Net operating income to assets | 0.2462% | 5,786 |
| Return on assets (ROA) | 0.2635% | 5,866 |
| Pretax return on assets | 0.2635% | 5,967 |
| Return on Equity (ROE) | 8.6028% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.6028% | 1,257 |
| Net charge-offs to loans | 1.9977% | 227 |
| Credit loss provision to net charge-offs | 69.9790% | 2,830 |
| Earnings coverage of net charge-offs (x) | 0.8943% | 4,228 |
| Efficiency ratio | 54.2100% | 6,131 |
| Assets per employee ($millions) | 9.4620% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 2,029 |
| Loan loss allowance to noncurrent loans | 13.6339% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 16.7829% | 38 |
| Noncurrent loans to loans | 14.1359% | 64 |
| Net loans and leases to total assets | 61.2406% | 3,439 |
| Net loans and leases to deposits | 66.4035% | 4,218 |
| Net loans and leases to core deposits | 71.9626% | 4,046 |
| Total domestic deposits to total assets | 92.2249% | 217 |
| Equity capital to assets | 2.9695% | 6,901 |
| Core capital (leverage) ratio | 3.4255% | 6,889 |
| Tier 1 risk-based capital ratio | 4.6066% | 6,904 |
| Total risk-based capital ratio | 5.8613% | 6,905 |
| Memoranda: | ||
| Average total assets | $451,605,670 | 1,474 |
| Average earning assets | $398,087,000 | 1,528 |
| Average equity | $13,832,670 | 4,185 |
| Average total loans | $286,127,000 | 1,480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 4,726 |
| Cost of funding earning assets | 1.4818% | 66 |
| Net interest margin | 2.3462% | 6,647 |
| Noninterest income to average assets | 0.3323% | 5,040 |
| Noninterest expense to average assets | 2.0578% | 5,992 |
| Loan and lease loss provision to assets | 0.8790% | 229 |
| Net operating income to assets | -0.5336% | 6,690 |
| Return on assets (ROA) | -0.5063% | 6,697 |
| Pretax return on assets | -0.5063% | 6,676 |
| Return on Equity (ROE) | -16.2873% | 6,875 |
| Retained earnings to average equity (ytd only) | -16.2873% | 6,776 |
| Net charge-offs to loans | 2.4633% | 172 |
| Credit loss provision to net charge-offs | 55.9284% | 2,509 |
| Earnings coverage of net charge-offs (x) | 0.2198% | 3,744 |
| Efficiency ratio | 85.6255% | 1,560 |
| Assets per employee ($millions) | 9.5659% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8854% | 2,345 |
| Loan loss allowance to noncurrent loans | 11.8119% | 6,479 |
| Noncurrent assets plus other real estate owned to assets | 17.7440% | 46 |
| Noncurrent loans to loans | 15.9622% | 58 |
| Net loans and leases to total assets | 62.7564% | 2,927 |
| Net loans and leases to deposits | 68.0399% | 3,775 |
| Net loans and leases to core deposits | 73.8945% | 3,593 |
| Total domestic deposits to total assets | 92.2346% | 208 |
| Equity capital to assets | 3.0592% | 6,978 |
| Core capital (leverage) ratio | 3.0849% | 6,967 |
| Tier 1 risk-based capital ratio | 4.1995% | 6,976 |
| Total risk-based capital ratio | 5.4533% | 6,976 |
| Memoranda: | ||
| Average total assets | $455,051,000 | 1,479 |
| Average earning assets | $401,672,500 | 1,522 |
| Average equity | $14,146,000 | 4,169 |
| Average total loans | $290,341,500 | 1,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 4,351 |
| Cost of funding earning assets | 1.8022% | 52 |
| Net interest margin | 2.4609% | 6,735 |
| Noninterest income to average assets | 0.4413% | 4,309 |
| Noninterest expense to average assets | 2.3577% | 5,537 |
| Loan and lease loss provision to assets | 0.9745% | 435 |
| Net operating income to assets | -0.7494% | 6,664 |
| Return on assets (ROA) | -0.2280% | 6,451 |
| Pretax return on assets | -0.2219% | 6,431 |
| Return on Equity (ROE) | -7.1734% | 6,663 |
| Retained earnings to average equity (ytd only) | -7.1734% | 6,538 |
| Net charge-offs to loans | 1.9393% | 384 |
| Credit loss provision to net charge-offs | 77.9459% | 3,895 |
| Earnings coverage of net charge-offs (x) | 0.1849% | 5,389 |
| Efficiency ratio | 91.0707% | 984 |
| Assets per employee ($millions) | 10.0109% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1187% | 1,714 |
| Loan loss allowance to noncurrent loans | 13.5530% | 6,511 |
| Noncurrent assets plus other real estate owned to assets | 17.3452% | 54 |
| Noncurrent loans to loans | 15.6324% | 71 |
| Net loans and leases to total assets | 62.3012% | 3,207 |
| Net loans and leases to deposits | 67.5365% | 4,049 |
| Net loans and leases to core deposits | 73.4689% | 3,853 |
| Total domestic deposits to total assets | 92.2483% | 203 |
| Equity capital to assets | 3.1570% | 7,035 |
| Core capital (leverage) ratio | 3.1303% | 7,027 |
| Tier 1 risk-based capital ratio | 4.3011% | 7,034 |
| Total risk-based capital ratio | 5.5584% | 7,034 |
| Memoranda: | ||
| Average total assets | $475,851,600 | 1,394 |
| Average earning assets | $415,262,000 | 1,453 |
| Average equity | $15,125,400 | 3,937 |
| Average total loans | $306,752,400 | 1,367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 4,072 |
| Cost of funding earning assets | 1.8767% | 45 |
| Net interest margin | 2.5183% | 6,816 |
| Noninterest income to average assets | 0.4678% | 4,156 |
| Noninterest expense to average assets | 2.4179% | 5,347 |
| Loan and lease loss provision to assets | 1.0109% | 401 |
| Net operating income to assets | -0.7877% | 6,806 |
| Return on assets (ROA) | -0.1017% | 6,499 |
| Pretax return on assets | -0.0853% | 6,472 |
| Return on Equity (ROE) | -3.1953% | 6,632 |
| Retained earnings to average equity (ytd only) | -3.1953% | 6,493 |
| Net charge-offs to loans | 1.9731% | 371 |
| Credit loss provision to net charge-offs | 79.2375% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.1878% | 5,232 |
| Efficiency ratio | 90.9842% | 963 |
| Assets per employee ($millions) | 10.1770% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1555% | 1,793 |
| Loan loss allowance to noncurrent loans | 13.5346% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 18.3005% | 51 |
| Noncurrent loans to loans | 15.9258% | 84 |
| Net loans and leases to total assets | 63.6964% | 3,077 |
| Net loans and leases to deposits | 69.1658% | 4,004 |
| Net loans and leases to core deposits | 75.4181% | 3,800 |
| Total domestic deposits to total assets | 92.0923% | 199 |
| Equity capital to assets | 3.2659% | 7,126 |
| Core capital (leverage) ratio | 3.2496% | 7,120 |
| Tier 1 risk-based capital ratio | 4.2515% | 7,132 |
| Total risk-based capital ratio | 5.5087% | 7,134 |
| Memoranda: | ||
| Average total assets | $479,688,750 | 1,400 |
| Average earning assets | $417,098,500 | 1,460 |
| Average equity | $15,272,250 | 3,941 |
| Average total loans | $310,163,250 | 1,361 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 4,291 |
| Cost of funding earning assets | 1.9525% | 46 |
| Net interest margin | 2.4208% | 6,949 |
| Noninterest income to average assets | 0.5741% | 3,417 |
| Noninterest expense to average assets | 2.4370% | 5,336 |
| Loan and lease loss provision to assets | 0.9666% | 463 |
| Net operating income to assets | -0.7350% | 6,830 |
| Return on assets (ROA) | -0.3603% | 6,705 |
| Pretax return on assets | -0.3359% | 6,661 |
| Return on Equity (ROE) | -11.4105% | 6,930 |
| Retained earnings to average equity (ytd only) | -11.4105% | 6,869 |
| Net charge-offs to loans | 2.1297% | 371 |
| Credit loss provision to net charge-offs | 70.3492% | 3,551 |
| Earnings coverage of net charge-offs (x) | 0.1863% | 4,980 |
| Efficiency ratio | 90.4930% | 1,041 |
| Assets per employee ($millions) | 9.8332% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1264% | 1,934 |
| Loan loss allowance to noncurrent loans | 13.0832% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 18.8445% | 52 |
| Noncurrent loans to loans | 16.2528% | 85 |
| Net loans and leases to total assets | 63.7481% | 3,090 |
| Net loans and leases to deposits | 69.1165% | 4,023 |
| Net loans and leases to core deposits | 75.3268% | 3,836 |
| Total domestic deposits to total assets | 92.2327% | 195 |
| Equity capital to assets | 3.2058% | 7,173 |
| Core capital (leverage) ratio | 3.0864% | 7,174 |
| Tier 1 risk-based capital ratio | 4.1411% | 7,185 |
| Total risk-based capital ratio | 5.3984% | 7,187 |
| Memoranda: | ||
| Average total assets | $483,538,000 | 1,392 |
| Average earning assets | $423,245,330 | 1,444 |
| Average equity | $15,266,670 | 3,930 |
| Average total loans | $311,965,000 | 1,358 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 4,728 |
| Cost of funding earning assets | 2.0453% | 38 |
| Net interest margin | 2.2568% | 7,076 |
| Noninterest income to average assets | 0.7382% | 2,453 |
| Noninterest expense to average assets | 2.6159% | 4,760 |
| Loan and lease loss provision to assets | 0.5820% | 990 |
| Net operating income to assets | -0.4889% | 6,822 |
| Return on assets (ROA) | -0.4480% | 6,830 |
| Pretax return on assets | -0.4480% | 6,801 |
| Return on Equity (ROE) | -14.2946% | 7,056 |
| Retained earnings to average equity (ytd only) | -14.2946% | 6,958 |
| Net charge-offs to loans | 2.8628% | 263 |
| Credit loss provision to net charge-offs | 31.6585% | 3,594 |
| Earnings coverage of net charge-offs (x) | 0.0507% | 4,343 |
| Efficiency ratio | 96.5600% | 693 |
| Assets per employee ($millions) | 10.3289% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 2,614 |
| Loan loss allowance to noncurrent loans | 9.4279% | 6,754 |
| Noncurrent assets plus other real estate owned to assets | 21.9954% | 34 |
| Noncurrent loans to loans | 20.3715% | 47 |
| Net loans and leases to total assets | 62.9586% | 3,052 |
| Net loans and leases to deposits | 68.1252% | 4,038 |
| Net loans and leases to core deposits | 75.4842% | 3,689 |
| Total domestic deposits to total assets | 92.4160% | 200 |
| Equity capital to assets | 3.0954% | 7,233 |
| Core capital (leverage) ratio | 3.1003% | 7,228 |
| Tier 1 risk-based capital ratio | 4.2281% | 7,239 |
| Total risk-based capital ratio | 5.4834% | 7,240 |
| Memoranda: | ||
| Average total assets | $489,310,000 | 1,376 |
| Average earning assets | $427,326,000 | 1,435 |
| Average equity | $15,334,500 | 3,926 |
| Average total loans | $314,235,500 | 1,356 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 4,704 |
| Cost of funding earning assets | 2.3715% | 36 |
| Net interest margin | 2.2200% | 7,167 |
| Noninterest income to average assets | 0.5169% | 3,741 |
| Noninterest expense to average assets | 2.4491% | 5,635 |
| Loan and lease loss provision to assets | 1.0114% | 934 |
| Net operating income to assets | -0.9829% | 6,732 |
| Return on assets (ROA) | -0.7365% | 6,658 |
| Pretax return on assets | -0.7289% | 6,611 |
| Return on Equity (ROE) | -22.3596% | 7,012 |
| Retained earnings to average equity (ytd only) | -22.3596% | 6,998 |
| Net charge-offs to loans | 1.3534% | 1,220 |
| Credit loss provision to net charge-offs | 115.2588% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.0412% | 5,790 |
| Efficiency ratio | 98.5443% | 715 |
| Assets per employee ($millions) | 10.7209% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,502 |
| Loan loss allowance to noncurrent loans | 14.6491% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 19.2545% | 59 |
| Noncurrent loans to loans | 16.2058% | 109 |
| Net loans and leases to total assets | 62.7231% | 3,464 |
| Net loans and leases to deposits | 68.6691% | 4,338 |
| Net loans and leases to core deposits | 75.6595% | 4,026 |
| Total domestic deposits to total assets | 91.3410% | 385 |
| Equity capital to assets | 3.1718% | 7,267 |
| Core capital (leverage) ratio | 3.0677% | 7,263 |
| Tier 1 risk-based capital ratio | 4.3337% | 7,269 |
| Total risk-based capital ratio | 5.5429% | 7,270 |
| Memoranda: | ||
| Average total assets | $508,597,800 | 1,314 |
| Average earning assets | $450,943,000 | 1,348 |
| Average equity | $16,753,400 | 3,617 |
| Average total loans | $329,774,000 | 1,290 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6106% | 4,829 |
| Cost of funding earning assets | 2.4007% | 38 |
| Net interest margin | 2.2099% | 7,255 |
| Noninterest income to average assets | 0.5857% | 3,259 |
| Noninterest expense to average assets | 2.2846% | 6,077 |
| Loan and lease loss provision to assets | 1.2083% | 646 |
| Net operating income to assets | -0.9395% | 6,860 |
| Return on assets (ROA) | -0.7243% | 6,800 |
| Pretax return on assets | -0.7243% | 6,747 |
| Return on Equity (ROE) | -21.7947% | 7,119 |
| Retained earnings to average equity (ytd only) | -21.7947% | 7,106 |
| Net charge-offs to loans | 0.9229% | 1,735 |
| Credit loss provision to net charge-offs | 201.4751% | 1,450 |
| Earnings coverage of net charge-offs (x) | 0.4482% | 5,291 |
| Efficiency ratio | 89.4742% | 1,202 |
| Assets per employee ($millions) | 10.9544% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8550% | 976 |
| Loan loss allowance to noncurrent loans | 17.8804% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 19.3050% | 64 |
| Noncurrent loans to loans | 15.9673% | 118 |
| Net loans and leases to total assets | 60.6690% | 4,013 |
| Net loans and leases to deposits | 66.4428% | 4,837 |
| Net loans and leases to core deposits | 75.3067% | 4,277 |
| Total domestic deposits to total assets | 91.3102% | 343 |
| Equity capital to assets | 3.3837% | 7,350 |
| Core capital (leverage) ratio | 3.2610% | 7,342 |
| Tier 1 risk-based capital ratio | 4.6358% | 7,340 |
| Total risk-based capital ratio | 5.9009% | 7,341 |
| Memoranda: | ||
| Average total assets | $512,456,500 | 1,311 |
| Average earning assets | $456,300,750 | 1,340 |
| Average equity | $17,031,250 | 3,578 |
| Average total loans | $333,005,250 | 1,281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 4,553 |
| Cost of funding earning assets | 2.4371% | 38 |
| Net interest margin | 2.2559% | 7,297 |
| Noninterest income to average assets | 0.3033% | 5,467 |
| Noninterest expense to average assets | 2.4028% | 5,835 |
| Loan and lease loss provision to assets | 1.0863% | 759 |
| Net operating income to assets | -1.1609% | 6,994 |
| Return on assets (ROA) | -1.1609% | 7,000 |
| Pretax return on assets | -1.1609% | 6,950 |
| Return on Equity (ROE) | -35.1452% | 7,283 |
| Retained earnings to average equity (ytd only) | -35.1452% | 7,276 |
| Net charge-offs to loans | -0.2773% | 7,339 |
| Credit loss provision to net charge-offs | -595.0749% | 6,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2069% | 627 |
| Assets per employee ($millions) | 10.6693% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9588% | 928 |
| Loan loss allowance to noncurrent loans | 15.0825% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 19.7891% | 64 |
| Noncurrent loans to loans | 19.6176% | 67 |
| Net loans and leases to total assets | 64.5986% | 3,344 |
| Net loans and leases to deposits | 70.5199% | 4,363 |
| Net loans and leases to core deposits | 81.0314% | 3,652 |
| Total domestic deposits to total assets | 91.6032% | 325 |
| Equity capital to assets | 3.1354% | 7,426 |
| Core capital (leverage) ratio | 3.1453% | 7,418 |
| Tier 1 risk-based capital ratio | 4.4842% | 7,418 |
| Total risk-based capital ratio | 5.7526% | 7,418 |
| Memoranda: | ||
| Average total assets | $511,656,670 | 1,317 |
| Average earning assets | $459,234,330 | 1,339 |
| Average equity | $16,901,330 | 3,591 |
| Average total loans | $336,827,670 | 1,282 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 3,101 |
| Cost of funding earning assets | 2.4554% | 41 |
| Net interest margin | 2.5459% | 7,164 |
| Noninterest income to average assets | -0.0305% | 7,339 |
| Noninterest expense to average assets | 1.9530% | 6,900 |
| Loan and lease loss provision to assets | 1.1177% | 648 |
| Net operating income to assets | -0.8134% | 6,968 |
| Return on assets (ROA) | -0.8134% | 6,977 |
| Pretax return on assets | -0.8134% | 6,931 |
| Return on Equity (ROE) | -24.0136% | 7,268 |
| Retained earnings to average equity (ytd only) | -24.0136% | 7,225 |
| Net charge-offs to loans | -1.2115% | 7,496 |
| Credit loss provision to net charge-offs | -140.9270% | 5,766 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5211% | 1,652 |
| Assets per employee ($millions) | 10.3735% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6855% | 1,218 |
| Loan loss allowance to noncurrent loans | 18.5154% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 16.4195% | 119 |
| Noncurrent loans to loans | 14.5043% | 168 |
| Net loans and leases to total assets | 64.8616% | 3,272 |
| Net loans and leases to deposits | 70.8828% | 4,211 |
| Net loans and leases to core deposits | 82.8015% | 3,335 |
| Total domestic deposits to total assets | 91.5055% | 418 |
| Equity capital to assets | 3.2539% | 7,476 |
| Core capital (leverage) ratio | 3.5620% | 7,458 |
| Tier 1 risk-based capital ratio | 4.8949% | 7,462 |
| Total risk-based capital ratio | 6.1611% | 7,462 |
| Memoranda: | ||
| Average total assets | $511,422,000 | 1,321 |
| Average earning assets | $459,560,500 | 1,346 |
| Average equity | $17,323,500 | 3,518 |
| Average total loans | $334,785,000 | 1,306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 6,262 |
| Cost of funding earning assets | 2.9195% | 33 |
| Net interest margin | 1.6274% | 7,532 |
| Noninterest income to average assets | 1.8036% | 470 |
| Noninterest expense to average assets | 2.4036% | 6,083 |
| Loan and lease loss provision to assets | 1.4180% | 1,060 |
| Net operating income to assets | -0.6436% | 6,480 |
| Return on assets (ROA) | -0.4412% | 6,377 |
| Pretax return on assets | -0.3768% | 6,227 |
| Return on Equity (ROE) | -13.1777% | 6,848 |
| Retained earnings to average equity (ytd only) | -13.1777% | 6,802 |
| Net charge-offs to loans | 3.9842% | 320 |
| Credit loss provision to net charge-offs | 55.4272% | 6,170 |
| Earnings coverage of net charge-offs (x) | 0.3278% | 5,779 |
| Efficiency ratio | 74.1333% | 3,370 |
| Assets per employee ($millions) | 10.5035% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1123% | 2,043 |
| Loan loss allowance to noncurrent loans | 17.1243% | 6,910 |
| Noncurrent assets plus other real estate owned to assets | 14.9914% | 165 |
| Noncurrent loans to loans | 12.3351% | 270 |
| Net loans and leases to total assets | 62.8805% | 4,097 |
| Net loans and leases to deposits | 69.0050% | 4,961 |
| Net loans and leases to core deposits | 81.1399% | 4,041 |
| Total domestic deposits to total assets | 91.1246% | 547 |
| Equity capital to assets | 3.5246% | 7,533 |
| Core capital (leverage) ratio | 3.8744% | 7,508 |
| Tier 1 risk-based capital ratio | 5.2509% | 7,515 |
| Total risk-based capital ratio | 6.5082% | 7,518 |
| Memoranda: | ||
| Average total assets | $497,332,400 | 1,356 |
| Average earning assets | $439,668,200 | 1,387 |
| Average equity | $16,649,400 | 3,654 |
| Average total loans | $319,333,000 | 1,404 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 6,298 |
| Cost of funding earning assets | 3.0178% | 29 |
| Net interest margin | 1.5958% | 7,659 |
| Noninterest income to average assets | 0.1084% | 7,008 |
| Noninterest expense to average assets | 2.2175% | 6,560 |
| Loan and lease loss provision to assets | 1.2111% | 1,175 |
| Net operating income to assets | -1.9146% | 7,217 |
| Return on assets (ROA) | -1.6870% | 7,166 |
| Pretax return on assets | -1.6870% | 7,099 |
| Return on Equity (ROE) | -51.0782% | 7,564 |
| Retained earnings to average equity (ytd only) | -51.0782% | 7,562 |
| Net charge-offs to loans | 3.7556% | 343 |
| Credit loss provision to net charge-offs | 50.2287% | 5,875 |
| Earnings coverage of net charge-offs (x) | -0.2918% | 6,239 |
| Efficiency ratio | 146.4641% | 218 |
| Assets per employee ($millions) | 10.4339% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6582% | 1,129 |
| Loan loss allowance to noncurrent loans | 19.0940% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 15.2828% | 148 |
| Noncurrent loans to loans | 13.9219% | 189 |
| Net loans and leases to total assets | 58.8665% | 5,124 |
| Net loans and leases to deposits | 64.2589% | 5,882 |
| Net loans and leases to core deposits | 77.6074% | 4,851 |
| Total domestic deposits to total assets | 91.6082% | 279 |
| Equity capital to assets | 3.0693% | 7,691 |
| Core capital (leverage) ratio | 3.1046% | 7,671 |
| Tier 1 risk-based capital ratio | 4.3272% | 7,676 |
| Total risk-based capital ratio | 5.5899% | 7,680 |
| Memoranda: | ||
| Average total assets | $495,623,250 | 1,373 |
| Average earning assets | $436,555,250 | 1,414 |
| Average equity | $16,369,250 | 3,744 |
| Average total loans | $318,200,000 | 1,425 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 6,147 |
| Cost of funding earning assets | 3.1217% | 29 |
| Net interest margin | 1.5771% | 7,729 |
| Noninterest income to average assets | 0.2353% | 6,225 |
| Noninterest expense to average assets | 2.1069% | 6,880 |
| Loan and lease loss provision to assets | 1.7129% | 730 |
| Net operating income to assets | -2.1904% | 7,352 |
| Return on assets (ROA) | -1.9919% | 7,308 |
| Pretax return on assets | -1.9919% | 7,236 |
| Return on Equity (ROE) | -58.9043% | 7,652 |
| Retained earnings to average equity (ytd only) | -58.9043% | 7,650 |
| Net charge-offs to loans | 5.3224% | 181 |
| Credit loss provision to net charge-offs | 49.1632% | 5,440 |
| Earnings coverage of net charge-offs (x) | -0.1370% | 5,835 |
| Efficiency ratio | 129.2992% | 321 |
| Assets per employee ($millions) | 9.7803% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 1,162 |
| Loan loss allowance to noncurrent loans | 17.2605% | 7,065 |
| Noncurrent assets plus other real estate owned to assets | 16.5492% | 105 |
| Noncurrent loans to loans | 15.2261% | 163 |
| Net loans and leases to total assets | 61.6575% | 4,748 |
| Net loans and leases to deposits | 67.6372% | 5,598 |
| Net loans and leases to core deposits | 83.6642% | 4,175 |
| Total domestic deposits to total assets | 91.1591% | 429 |
| Equity capital to assets | 3.4222% | 7,730 |
| Core capital (leverage) ratio | 3.3484% | 7,720 |
| Tier 1 risk-based capital ratio | 4.5847% | 7,723 |
| Total risk-based capital ratio | 5.8469% | 7,726 |
| Memoranda: | ||
| Average total assets | $493,889,330 | 1,382 |
| Average earning assets | $436,623,330 | 1,422 |
| Average equity | $16,701,670 | 3,682 |
| Average total loans | $323,310,330 | 1,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7502% | 6,075 |
| Cost of funding earning assets | 3.1877% | 35 |
| Net interest margin | 1.5625% | 7,822 |
| Noninterest income to average assets | 0.2345% | 6,276 |
| Noninterest expense to average assets | 1.7964% | 7,467 |
| Loan and lease loss provision to assets | 2.9956% | 331 |
| Net operating income to assets | -3.1705% | 7,653 |
| Return on assets (ROA) | -3.1761% | 7,652 |
| Pretax return on assets | -3.1761% | 7,614 |
| Return on Equity (ROE) | -94.4801% | 7,817 |
| Retained earnings to average equity (ytd only) | -94.4801% | 7,814 |
| Net charge-offs to loans | 3.9571% | 336 |
| Credit loss provision to net charge-offs | 113.8089% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.0664% | 5,078 |
| Efficiency ratio | 110.7853% | 584 |
| Assets per employee ($millions) | 10.4895% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9874% | 386 |
| Loan loss allowance to noncurrent loans | 22.1087% | 6,908 |
| Noncurrent assets plus other real estate owned to assets | 17.7364% | 90 |
| Noncurrent loans to loans | 18.0353% | 108 |
| Net loans and leases to total assets | 61.9941% | 4,758 |
| Net loans and leases to deposits | 67.9126% | 5,602 |
| Net loans and leases to core deposits | 86.2891% | 3,850 |
| Total domestic deposits to total assets | 91.2851% | 445 |
| Equity capital to assets | 3.4098% | 7,832 |
| Core capital (leverage) ratio | 3.4597% | 7,817 |
| Tier 1 risk-based capital ratio | 4.7974% | 7,813 |
| Total risk-based capital ratio | 6.0757% | 7,814 |
| Memoranda: | ||
| Average total assets | $496,327,000 | 1,399 |
| Average earning assets | $440,573,500 | 1,443 |
| Average equity | $16,685,000 | 3,721 |
| Average total loans | $330,139,500 | 1,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 6,187 |
| Cost of funding earning assets | 3.5539% | 36 |
| Net interest margin | 1.5174% | 7,863 |
| Noninterest income to average assets | 0.0422% | 7,537 |
| Noninterest expense to average assets | 2.6592% | 5,560 |
| Loan and lease loss provision to assets | 3.2615% | 498 |
| Net operating income to assets | -3.9993% | 7,606 |
| Return on assets (ROA) | -4.1438% | 7,628 |
| Pretax return on assets | -4.6972% | 7,664 |
| Return on Equity (ROE) | -65.9941% | 7,786 |
| Retained earnings to average equity (ytd only) | -65.9941% | 7,780 |
| Net charge-offs to loans | 3.1625% | 649 |
| Credit loss provision to net charge-offs | 145.3252% | 3,272 |
| Earnings coverage of net charge-offs (x) | -0.5665% | 6,733 |
| Efficiency ratio | 191.6221% | 160 |
| Assets per employee ($millions) | 9.9828% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7329% | 432 |
| Loan loss allowance to noncurrent loans | 19.9700% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 18.0729% | 80 |
| Noncurrent loans to loans | 18.6928% | 88 |
| Net loans and leases to total assets | 65.9636% | 4,156 |
| Net loans and leases to deposits | 73.1437% | 5,175 |
| Net loans and leases to core deposits | 106.8735% | 3,229 |
| Total domestic deposits to total assets | 90.1835% | 887 |
| Equity capital to assets | 3.3122% | 7,900 |
| Core capital (leverage) ratio | 3.3647% | 7,889 |
| Tier 1 risk-based capital ratio | 4.5487% | 7,892 |
| Total risk-based capital ratio | 5.8248% | 7,894 |
| Memoranda: | ||
| Average total assets | $498,015,600 | 1,381 |
| Average earning assets | $441,605,000 | 1,427 |
| Average equity | $31,271,000 | 2,146 |
| Average total loans | $353,418,200 | 1,366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 5,870 |
| Cost of funding earning assets | 3.5940% | 47 |
| Net interest margin | 1.6073% | 7,929 |
| Noninterest income to average assets | 0.1690% | 7,001 |
| Noninterest expense to average assets | 2.2389% | 6,879 |
| Loan and lease loss provision to assets | 1.5728% | 1,206 |
| Net operating income to assets | -1.2776% | 7,003 |
| Return on assets (ROA) | -1.4364% | 7,075 |
| Pretax return on assets | -2.4671% | 7,336 |
| Return on Equity (ROE) | -20.5066% | 7,389 |
| Retained earnings to average equity (ytd only) | -20.5066% | 7,355 |
| Net charge-offs to loans | 1.4559% | 1,415 |
| Credit loss provision to net charge-offs | 150.9593% | 3,180 |
| Earnings coverage of net charge-offs (x) | -0.6201% | 6,530 |
| Efficiency ratio | 140.5622% | 378 |
| Assets per employee ($millions) | 10.2992% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6991% | 885 |
| Loan loss allowance to noncurrent loans | 13.1573% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 18.1080% | 68 |
| Noncurrent loans to loans | 20.5144% | 59 |
| Net loans and leases to total assets | 67.4173% | 4,089 |
| Net loans and leases to deposits | 77.1811% | 4,867 |
| Net loans and leases to core deposits | 111.8299% | 3,041 |
| Total domestic deposits to total assets | 87.3495% | 1,982 |
| Equity capital to assets | 6.3403% | 7,796 |
| Core capital (leverage) ratio | 6.1894% | 7,766 |
| Tier 1 risk-based capital ratio | 7.8393% | 7,817 |
| Total risk-based capital ratio | 9.1031% | 7,822 |
| Memoranda: | ||
| Average total assets | $500,230,000 | 1,395 |
| Average earning assets | $443,132,500 | 1,436 |
| Average equity | $35,038,250 | 1,939 |
| Average total loans | $357,978,250 | 1,363 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 5,224 |
| Cost of funding earning assets | 3.6428% | 68 |
| Net interest margin | 1.7429% | 7,958 |
| Noninterest income to average assets | 0.1251% | 7,349 |
| Noninterest expense to average assets | 1.7985% | 7,745 |
| Loan and lease loss provision to assets | 0.3854% | 3,607 |
| Net operating income to assets | -0.2071% | 6,200 |
| Return on assets (ROA) | -0.5389% | 6,596 |
| Pretax return on assets | -1.0410% | 6,845 |
| Return on Equity (ROE) | -7.4559% | 6,849 |
| Retained earnings to average equity (ytd only) | -7.4559% | 6,614 |
| Net charge-offs to loans | 1.3195% | 1,400 |
| Credit loss provision to net charge-offs | 40.3782% | 5,897 |
| Earnings coverage of net charge-offs (x) | -0.1437% | 5,834 |
| Efficiency ratio | 108.2549% | 902 |
| Assets per employee ($millions) | 8.4682% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 2,335 |
| Loan loss allowance to noncurrent loans | 10.5189% | 7,483 |
| Noncurrent assets plus other real estate owned to assets | 15.3430% | 94 |
| Noncurrent loans to loans | 16.1958% | 107 |
| Net loans and leases to total assets | 69.6028% | 3,793 |
| Net loans and leases to deposits | 80.1212% | 4,528 |
| Net loans and leases to core deposits | 114.2501% | 2,882 |
| Total domestic deposits to total assets | 86.8718% | 2,320 |
| Equity capital to assets | 6.8082% | 7,704 |
| Core capital (leverage) ratio | 7.2393% | 7,314 |
| Tier 1 risk-based capital ratio | 8.7613% | 7,799 |
| Total risk-based capital ratio | 10.0139% | 7,844 |
| Memoranda: | ||
| Average total assets | $498,753,330 | 1,422 |
| Average earning assets | $439,608,330 | 1,468 |
| Average equity | $36,052,000 | 1,891 |
| Average total loans | $360,749,000 | 1,387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5387% | 4,703 |
| Cost of funding earning assets | 3.6126% | 109 |
| Net interest margin | 1.9262% | 7,929 |
| Noninterest income to average assets | 0.1116% | 7,478 |
| Noninterest expense to average assets | 1.7940% | 7,706 |
| Loan and lease loss provision to assets | 0.1204% | 5,417 |
| Net operating income to assets | -0.0719% | 6,365 |
| Return on assets (ROA) | 0.2994% | 5,474 |
| Pretax return on assets | 0.3315% | 5,590 |
| Return on Equity (ROE) | 4.0248% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.0248% | 3,663 |
| Net charge-offs to loans | 0.5140% | 2,178 |
| Credit loss provision to net charge-offs | 32.0513% | 4,923 |
| Earnings coverage of net charge-offs (x) | 0.1047% | 4,900 |
| Efficiency ratio | 97.8546% | 1,225 |
| Assets per employee ($millions) | 8.2451% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,520 |
| Loan loss allowance to noncurrent loans | 14.3112% | 7,423 |
| Noncurrent assets plus other real estate owned to assets | 12.8911% | 124 |
| Noncurrent loans to loans | 13.6476% | 128 |
| Net loans and leases to total assets | 71.1448% | 3,436 |
| Net loans and leases to deposits | 82.3293% | 4,230 |
| Net loans and leases to core deposits | 114.8510% | 2,920 |
| Total domestic deposits to total assets | 86.4150% | 2,497 |
| Equity capital to assets | 7.3292% | 7,471 |
| Core capital (leverage) ratio | 7.5847% | 7,047 |
| Tier 1 risk-based capital ratio | 9.0367% | 7,774 |
| Total risk-based capital ratio | 10.2937% | 7,791 |
| Memoranda: | ||
| Average total assets | $498,319,500 | 1,423 |
| Average earning assets | $445,445,500 | 1,454 |
| Average equity | $37,070,500 | 1,846 |
| Average total loans | $364,235,000 | 1,384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5333% | 2,796 |
| Cost of funding earning assets | 3.9956% | 98 |
| Net interest margin | 2.5377% | 7,710 |
| Noninterest income to average assets | 0.2072% | 6,956 |
| Noninterest expense to average assets | 1.9771% | 7,484 |
| Loan and lease loss provision to assets | 1.4245% | 965 |
| Net operating income to assets | -0.4230% | 6,849 |
| Return on assets (ROA) | -0.4200% | 6,720 |
| Pretax return on assets | -0.8430% | 6,909 |
| Return on Equity (ROE) | -5.2223% | 6,886 |
| Retained earnings to average equity (ytd only) | -7.6780% | 6,859 |
| Net charge-offs to loans | 0.8726% | 1,428 |
| Credit loss provision to net charge-offs | 217.2756% | 2,211 |
| Earnings coverage of net charge-offs (x) | 0.8798% | 5,698 |
| Efficiency ratio | 77.4148% | 3,012 |
| Assets per employee ($millions) | 8.0933% | 459 |
| Cash dividends to net income (ytd only)* | -47.0235% | 8,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 1,151 |
| Loan loss allowance to noncurrent loans | 25.8730% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 8.4855% | 257 |
| Noncurrent loans to loans | 7.9168% | 349 |
| Net loans and leases to total assets | 72.1250% | 3,556 |
| Net loans and leases to deposits | 84.1985% | 4,397 |
| Net loans and leases to core deposits | 116.4177% | 3,074 |
| Total domestic deposits to total assets | 85.6606% | 2,558 |
| Equity capital to assets | 7.5511% | 7,339 |
| Core capital (leverage) ratio | 7.6021% | 7,074 |
| Tier 1 risk-based capital ratio | 8.8861% | 7,856 |
| Total risk-based capital ratio | 10.1424% | 7,879 |
| Memoranda: | ||
| Average total assets | $475,897,400 | 1,448 |
| Average earning assets | $440,081,000 | 1,420 |
| Average equity | $38,278,200 | 1,763 |
| Average total loans | $357,547,600 | 1,355 |