Home > Harvest Community Bank > Performance and Condition Ratios
Harvest 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 | 3.7753% | 3,982 |
| Cost of funding earning assets | 0.6855% | 882 |
| Net interest margin | 3.0897% | 4,756 |
| Noninterest income to average assets | 0.0754% | 5,709 |
| Noninterest expense to average assets | 4.2970% | 449 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.3037% | 5,852 |
| Return on assets (ROA) | -1.3030% | 5,852 |
| Pretax return on assets | -1.3000% | 5,846 |
| Return on Equity (ROE) | -64.3133% | 5,907 |
| Retained earnings to average equity (ytd only) | -64.3133% | 5,905 |
| Net charge-offs to loans | 0.3386% | 811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -4.8078% | 4,218 |
| Efficiency ratio | 143.4105% | 39 |
| Assets per employee ($millions) | 3.8820% | 4,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5967% | 102 |
| Loan loss allowance to noncurrent loans | 19.7971% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 16.2941% | 13 |
| Noncurrent loans to loans | 18.1680% | 8 |
| Net loans and leases to total assets | 76.6396% | 1,416 |
| Net loans and leases to deposits | 77.9230% | 3,113 |
| Net loans and leases to core deposits | 79.3506% | 3,452 |
| Total domestic deposits to total assets | 98.3530% | 1 |
| Equity capital to assets | 1.3983% | 5,911 |
| Core capital (leverage) ratio | 1.4376% | 5,911 |
| Tier 1 risk-based capital ratio | 1.9089% | 5,911 |
| Total risk-based capital ratio | 3.1892% | 5,911 |
| Memoranda: | ||
| Average total assets | $132,695,800 | 3,787 |
| Average earning assets | $125,448,000 | 3,730 |
| Average equity | $2,688,400 | 5,784 |
| Average total loans | $106,039,200 | 3,272 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,041 |
| Cost of funding earning assets | 0.6847% | 879 |
| Net interest margin | 3.0770% | 4,836 |
| Noninterest income to average assets | 0.0564% | 5,818 |
| Noninterest expense to average assets | 4.3061% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.3470% | 5,924 |
| Return on assets (ROA) | -1.3460% | 5,926 |
| Pretax return on assets | -1.3421% | 5,919 |
| Return on Equity (ROE) | -62.0118% | 5,974 |
| Retained earnings to average equity (ytd only) | -62.0118% | 5,972 |
| Net charge-offs to loans | 0.2546% | 922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -6.5922% | 3,907 |
| Efficiency ratio | 145.3271% | 39 |
| Assets per employee ($millions) | 3.7185% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6332% | 102 |
| Loan loss allowance to noncurrent loans | 19.2258% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 17.0608% | 10 |
| Noncurrent loans to loans | 18.8978% | 4 |
| Net loans and leases to total assets | 77.7268% | 1,244 |
| Net loans and leases to deposits | 79.3671% | 3,039 |
| Net loans and leases to core deposits | 81.0809% | 3,350 |
| Total domestic deposits to total assets | 97.9332% | 1 |
| Equity capital to assets | 1.7725% | 5,980 |
| Core capital (leverage) ratio | 1.6925% | 5,980 |
| Tier 1 risk-based capital ratio | 2.2222% | 5,980 |
| Total risk-based capital ratio | 3.5039% | 5,980 |
| Memoranda: | ||
| Average total assets | $134,814,000 | 3,778 |
| Average earning assets | $127,352,250 | 3,712 |
| Average equity | $2,926,250 | 5,826 |
| Average total loans | $107,860,000 | 3,258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9131% | 3,565 |
| Cost of funding earning assets | 0.6845% | 864 |
| Net interest margin | 3.2286% | 4,448 |
| Noninterest income to average assets | 0.1206% | 5,706 |
| Noninterest expense to average assets | 4.1901% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.0217% | 5,980 |
| Return on assets (ROA) | -1.0203% | 5,981 |
| Pretax return on assets | -1.0174% | 5,972 |
| Return on Equity (ROE) | -44.5054% | 6,044 |
| Retained earnings to average equity (ytd only) | -44.5054% | 6,033 |
| Net charge-offs to loans | 0.3806% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -3.3541% | 3,619 |
| Efficiency ratio | 132.1265% | 62 |
| Assets per employee ($millions) | 3.7770% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5400% | 118 |
| Loan loss allowance to noncurrent loans | 22.0396% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 14.8184% | 21 |
| Noncurrent loans to loans | 16.0622% | 13 |
| Net loans and leases to total assets | 76.3068% | 1,441 |
| Net loans and leases to deposits | 79.5535% | 2,994 |
| Net loans and leases to core deposits | 81.0765% | 3,359 |
| Total domestic deposits to total assets | 95.9189% | 7 |
| Equity capital to assets | 2.1998% | 6,055 |
| Core capital (leverage) ratio | 2.0773% | 6,055 |
| Tier 1 risk-based capital ratio | 2.8115% | 6,056 |
| Total risk-based capital ratio | 4.0917% | 6,056 |
| Memoranda: | ||
| Average total assets | $137,608,670 | 3,758 |
| Average earning assets | $130,023,670 | 3,690 |
| Average equity | $3,154,670 | 5,871 |
| Average total loans | $109,821,670 | 3,236 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 4,170 |
| Cost of funding earning assets | 0.6920% | 836 |
| Net interest margin | 3.0480% | 5,004 |
| Noninterest income to average assets | 0.1283% | 5,705 |
| Noninterest expense to average assets | 4.2247% | 484 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.2087% | 6,044 |
| Return on assets (ROA) | -1.2087% | 6,045 |
| Pretax return on assets | -1.2087% | 6,034 |
| Return on Equity (ROE) | -51.7389% | 6,104 |
| Retained earnings to average equity (ytd only) | -51.7389% | 6,079 |
| Net charge-offs to loans | 0.0818% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -18.4348% | 3,075 |
| Efficiency ratio | 140.0756% | 53 |
| Assets per employee ($millions) | 4.0821% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5131% | 134 |
| Loan loss allowance to noncurrent loans | 19.6602% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 16.2647% | 15 |
| Noncurrent loans to loans | 17.8692% | 9 |
| Net loans and leases to total assets | 76.9380% | 1,259 |
| Net loans and leases to deposits | 83.3123% | 2,389 |
| Net loans and leases to core deposits | 84.6047% | 2,881 |
| Total domestic deposits to total assets | 92.3489% | 77 |
| Equity capital to assets | 2.2465% | 6,115 |
| Core capital (leverage) ratio | 2.1953% | 6,114 |
| Tier 1 risk-based capital ratio | 2.9224% | 6,119 |
| Total risk-based capital ratio | 4.2028% | 6,119 |
| Memoranda: | ||
| Average total assets | $140,316,000 | 3,736 |
| Average earning assets | $132,940,000 | 3,666 |
| Average equity | $3,278,000 | 5,910 |
| Average total loans | $112,445,000 | 3,206 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 4,178 |
| Cost of funding earning assets | 0.7964% | 497 |
| Net interest margin | 2.9583% | 5,226 |
| Noninterest income to average assets | 0.1328% | 5,747 |
| Noninterest expense to average assets | 4.0436% | 628 |
| Loan and lease loss provision to assets | 2.6988% | 18 |
| Net operating income to assets | -3.8483% | 6,173 |
| Return on assets (ROA) | -3.6323% | 6,172 |
| Pretax return on assets | -3.6311% | 6,170 |
| Return on Equity (ROE) | -97.4197% | 6,181 |
| Retained earnings to average equity (ytd only) | -97.4197% | 6,180 |
| Net charge-offs to loans | 4.8221% | 8 |
| Credit loss provision to net charge-offs | 73.1262% | 3,071 |
| Earnings coverage of net charge-offs (x) | -0.3111% | 4,294 |
| Efficiency ratio | 139.6606% | 48 |
| Assets per employee ($millions) | 4.1718% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4241% | 139 |
| Loan loss allowance to noncurrent loans | 19.7995% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 15.9072% | 17 |
| Noncurrent loans to loans | 17.2940% | 12 |
| Net loans and leases to total assets | 77.7688% | 1,151 |
| Net loans and leases to deposits | 81.6927% | 2,631 |
| Net loans and leases to core deposits | 83.3621% | 3,015 |
| Total domestic deposits to total assets | 95.1967% | 12 |
| Equity capital to assets | 2.4238% | 6,173 |
| Core capital (leverage) ratio | 2.4199% | 6,174 |
| Tier 1 risk-based capital ratio | 3.2017% | 6,178 |
| Total risk-based capital ratio | 4.4797% | 6,178 |
| Memoranda: | ||
| Average total assets | $164,853,200 | 3,379 |
| Average earning assets | $153,940,400 | 3,346 |
| Average equity | $6,146,600 | 5,407 |
| Average total loans | $126,169,800 | 2,950 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,278 |
| Cost of funding earning assets | 0.8142% | 452 |
| Net interest margin | 2.9293% | 5,358 |
| Noninterest income to average assets | 0.1649% | 5,657 |
| Noninterest expense to average assets | 3.9638% | 695 |
| Loan and lease loss provision to assets | 3.4574% | 10 |
| Net operating income to assets | -4.5304% | 6,260 |
| Return on assets (ROA) | -4.2522% | 6,260 |
| Pretax return on assets | -4.2506% | 6,258 |
| Return on Equity (ROE) | -106.3124% | 6,266 |
| Retained earnings to average equity (ytd only) | -106.3124% | 6,266 |
| Net charge-offs to loans | 4.9778% | 7 |
| Credit loss provision to net charge-offs | 91.7462% | 2,446 |
| Earnings coverage of net charge-offs (x) | -0.2843% | 4,015 |
| Efficiency ratio | 137.0440% | 55 |
| Assets per employee ($millions) | 4.6256% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1625% | 85 |
| Loan loss allowance to noncurrent loans | 23.2164% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 16.2788% | 16 |
| Noncurrent loans to loans | 17.9291% | 11 |
| Net loans and leases to total assets | 77.6489% | 1,158 |
| Net loans and leases to deposits | 81.4894% | 2,708 |
| Net loans and leases to core deposits | 83.8507% | 3,061 |
| Total domestic deposits to total assets | 95.2871% | 15 |
| Equity capital to assets | 2.2438% | 6,265 |
| Core capital (leverage) ratio | 2.1321% | 6,266 |
| Tier 1 risk-based capital ratio | 2.9096% | 6,265 |
| Total risk-based capital ratio | 4.1975% | 6,264 |
| Memoranda: | ||
| Average total assets | $170,606,250 | 3,320 |
| Average earning assets | $158,849,750 | 3,297 |
| Average equity | $6,823,750 | 5,342 |
| Average total loans | $129,157,500 | 2,917 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,275 |
| Cost of funding earning assets | 0.8156% | 454 |
| Net interest margin | 2.9251% | 5,398 |
| Noninterest income to average assets | 0.1801% | 5,616 |
| Noninterest expense to average assets | 3.9164% | 749 |
| Loan and lease loss provision to assets | 3.1474% | 12 |
| Net operating income to assets | -4.1848% | 6,336 |
| Return on assets (ROA) | -3.8665% | 6,334 |
| Pretax return on assets | -3.8643% | 6,333 |
| Return on Equity (ROE) | -85.8148% | 6,339 |
| Retained earnings to average equity (ytd only) | -85.8148% | 6,338 |
| Net charge-offs to loans | 5.2724% | 11 |
| Credit loss provision to net charge-offs | 80.4807% | 2,328 |
| Earnings coverage of net charge-offs (x) | -0.2647% | 3,730 |
| Efficiency ratio | 135.9277% | 66 |
| Assets per employee ($millions) | 4.6234% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8445% | 119 |
| Loan loss allowance to noncurrent loans | 20.5795% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 15.8446% | 20 |
| Noncurrent loans to loans | 18.6810% | 11 |
| Net loans and leases to total assets | 73.2123% | 1,787 |
| Net loans and leases to deposits | 77.5940% | 3,081 |
| Net loans and leases to core deposits | 80.3016% | 3,360 |
| Total domestic deposits to total assets | 94.3530% | 26 |
| Equity capital to assets | 3.2942% | 6,325 |
| Core capital (leverage) ratio | 3.0925% | 6,333 |
| Tier 1 risk-based capital ratio | 4.6681% | 6,329 |
| Total risk-based capital ratio | 5.9542% | 6,330 |
| Memoranda: | ||
| Average total assets | $176,593,000 | 3,259 |
| Average earning assets | $163,070,670 | 3,258 |
| Average equity | $7,956,670 | 5,178 |
| Average total loans | $130,984,670 | 2,891 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,997 |
| Cost of funding earning assets | 0.8078% | 478 |
| Net interest margin | 2.9949% | 5,229 |
| Noninterest income to average assets | 0.1585% | 5,789 |
| Noninterest expense to average assets | 3.0980% | 2,281 |
| Loan and lease loss provision to assets | 0.0661% | 2,616 |
| Net operating income to assets | -0.2752% | 6,178 |
| Return on assets (ROA) | -0.2752% | 6,198 |
| Pretax return on assets | -0.2708% | 6,184 |
| Return on Equity (ROE) | -5.4386% | 6,266 |
| Retained earnings to average equity (ytd only) | -5.4386% | 5,962 |
| Net charge-offs to loans | 4.1108% | 26 |
| Credit loss provision to net charge-offs | 2.1930% | 2,483 |
| Earnings coverage of net charge-offs (x) | -0.0680% | 3,118 |
| Efficiency ratio | 107.0776% | 225 |
| Assets per employee ($millions) | 5.5603% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1836% | 250 |
| Loan loss allowance to noncurrent loans | 17.4925% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 13.1102% | 46 |
| Noncurrent loans to loans | 18.1996% | 16 |
| Net loans and leases to total assets | 69.7424% | 2,176 |
| Net loans and leases to deposits | 75.1467% | 3,156 |
| Net loans and leases to core deposits | 78.7301% | 3,304 |
| Total domestic deposits to total assets | 92.8084% | 75 |
| Equity capital to assets | 5.0117% | 6,372 |
| Core capital (leverage) ratio | 4.8418% | 6,372 |
| Tier 1 risk-based capital ratio | 6.9220% | 6,376 |
| Total risk-based capital ratio | 8.1975% | 6,375 |
| Memoranda: | ||
| Average total assets | $181,668,500 | 3,216 |
| Average earning assets | $165,881,000 | 3,237 |
| Average equity | $9,193,500 | 4,941 |
| Average total loans | $133,113,000 | 2,865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,490 |
| Cost of funding earning assets | 0.6724% | 1,257 |
| Net interest margin | 3.3860% | 4,247 |
| Noninterest income to average assets | 0.1675% | 5,856 |
| Noninterest expense to average assets | 3.5004% | 1,478 |
| Loan and lease loss provision to assets | 1.6971% | 43 |
| Net operating income to assets | -1.1103% | 6,394 |
| Return on assets (ROA) | -1.1064% | 6,393 |
| Pretax return on assets | -1.8811% | 6,443 |
| Return on Equity (ROE) | -13.2882% | 6,398 |
| Retained earnings to average equity (ytd only) | -13.2882% | 6,365 |
| Net charge-offs to loans | 1.5506% | 154 |
| Credit loss provision to net charge-offs | 147.4085% | 1,631 |
| Earnings coverage of net charge-offs (x) | -0.1650% | 4,730 |
| Efficiency ratio | 105.7384% | 265 |
| Assets per employee ($millions) | 4.9837% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 455 |
| Loan loss allowance to noncurrent loans | 18.2642% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 10.5289% | 79 |
| Noncurrent loans to loans | 14.4837% | 31 |
| Net loans and leases to total assets | 70.7714% | 2,113 |
| Net loans and leases to deposits | 78.2925% | 2,938 |
| Net loans and leases to core deposits | 82.0235% | 3,106 |
| Total domestic deposits to total assets | 90.3936% | 578 |
| Equity capital to assets | 7.5635% | 6,221 |
| Core capital (leverage) ratio | 6.7315% | 6,345 |
| Tier 1 risk-based capital ratio | 9.4075% | 6,364 |
| Total risk-based capital ratio | 10.6758% | 6,341 |
| Memoranda: | ||
| Average total assets | $182,662,600 | 3,179 |
| Average earning assets | $169,550,800 | 3,161 |
| Average equity | $15,209,000 | 3,796 |
| Average total loans | $135,622,200 | 2,770 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,599 |
| Cost of funding earning assets | 0.6474% | 1,474 |
| Net interest margin | 3.3910% | 4,277 |
| Noninterest income to average assets | 0.1705% | 5,902 |
| Noninterest expense to average assets | 3.4315% | 1,588 |
| Loan and lease loss provision to assets | 0.9877% | 113 |
| Net operating income to assets | -0.6358% | 6,402 |
| Return on assets (ROA) | -0.6307% | 6,403 |
| Pretax return on assets | -1.0675% | 6,459 |
| Return on Equity (ROE) | -7.4031% | 6,413 |
| Retained earnings to average equity (ytd only) | -7.4031% | 6,332 |
| Net charge-offs to loans | 0.2157% | 1,747 |
| Credit loss provision to net charge-offs | 613.6364% | 483 |
| Earnings coverage of net charge-offs (x) | -0.5455% | 4,504 |
| Efficiency ratio | 102.6258% | 313 |
| Assets per employee ($millions) | 5.3267% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6542% | 520 |
| Loan loss allowance to noncurrent loans | 17.6349% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 11.5192% | 72 |
| Noncurrent loans to loans | 15.0511% | 34 |
| Net loans and leases to total assets | 74.5024% | 1,442 |
| Net loans and leases to deposits | 81.8699% | 2,442 |
| Net loans and leases to core deposits | 85.5410% | 2,712 |
| Total domestic deposits to total assets | 91.0009% | 360 |
| Equity capital to assets | 8.2371% | 5,989 |
| Core capital (leverage) ratio | 7.3329% | 6,322 |
| Tier 1 risk-based capital ratio | 10.0216% | 6,340 |
| Total risk-based capital ratio | 11.2902% | 6,299 |
| Memoranda: | ||
| Average total assets | $182,228,750 | 3,211 |
| Average earning assets | $170,526,500 | 3,175 |
| Average equity | $15,524,500 | 3,769 |
| Average total loans | $136,016,000 | 2,777 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1509% | 3,144 |
| Cost of funding earning assets | 0.6392% | 1,594 |
| Net interest margin | 3.5117% | 3,737 |
| Noninterest income to average assets | 0.1731% | 5,914 |
| Noninterest expense to average assets | 2.8882% | 3,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3797% | 5,293 |
| Return on assets (ROA) | 0.3877% | 5,339 |
| Pretax return on assets | 0.5761% | 5,034 |
| Return on Equity (ROE) | 4.5019% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.5019% | 3,309 |
| Net charge-offs to loans | 0.0991% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.6866% | 2,596 |
| Efficiency ratio | 83.6612% | 1,555 |
| Assets per employee ($millions) | 4.9621% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7952% | 1,855 |
| Loan loss allowance to noncurrent loans | 16.3096% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 8.2888% | 128 |
| Noncurrent loans to loans | 11.0069% | 61 |
| Net loans and leases to total assets | 73.9534% | 1,450 |
| Net loans and leases to deposits | 81.4245% | 2,326 |
| Net loans and leases to core deposits | 84.8877% | 2,632 |
| Total domestic deposits to total assets | 90.8245% | 464 |
| Equity capital to assets | 8.7659% | 5,555 |
| Core capital (leverage) ratio | 8.1687% | 5,959 |
| Tier 1 risk-based capital ratio | 11.1239% | 6,001 |
| Total risk-based capital ratio | 12.3814% | 5,926 |
| Memoranda: | ||
| Average total assets | $182,602,670 | 3,225 |
| Average earning assets | $170,516,330 | 3,196 |
| Average equity | $15,726,670 | 3,737 |
| Average total loans | $135,152,000 | 2,793 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,094 |
| Cost of funding earning assets | 0.6403% | 1,643 |
| Net interest margin | 3.5061% | 3,664 |
| Noninterest income to average assets | 0.1691% | 5,960 |
| Noninterest expense to average assets | 3.0576% | 2,665 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2887% | 5,537 |
| Return on assets (ROA) | 0.3075% | 5,515 |
| Pretax return on assets | 0.3954% | 5,470 |
| Return on Equity (ROE) | 3.6029% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,969 |
| Net charge-offs to loans | 0.0479% | 2,714 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.5625% | 1,850 |
| Efficiency ratio | 89.1736% | 1,107 |
| Assets per employee ($millions) | 5.0596% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8907% | 1,782 |
| Loan loss allowance to noncurrent loans | 16.6240% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 8.3653% | 156 |
| Noncurrent loans to loans | 11.3733% | 75 |
| Net loans and leases to total assets | 72.1617% | 1,555 |
| Net loans and leases to deposits | 79.4131% | 2,378 |
| Net loans and leases to core deposits | 82.9870% | 2,645 |
| Total domestic deposits to total assets | 90.8688% | 618 |
| Equity capital to assets | 8.6393% | 5,506 |
| Core capital (leverage) ratio | 8.1119% | 6,030 |
| Tier 1 risk-based capital ratio | 11.1641% | 6,091 |
| Total risk-based capital ratio | 12.4219% | 6,035 |
| Memoranda: | ||
| Average total assets | $182,105,000 | 3,255 |
| Average earning assets | $169,304,000 | 3,226 |
| Average equity | $15,543,000 | 3,777 |
| Average total loans | $133,598,500 | 2,826 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3193% | 2,884 |
| Cost of funding earning assets | 0.6884% | 1,899 |
| Net interest margin | 3.6308% | 3,326 |
| Noninterest income to average assets | 0.1714% | 6,059 |
| Noninterest expense to average assets | 2.8893% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4495% | 4,957 |
| Return on assets (ROA) | 0.4618% | 5,035 |
| Pretax return on assets | 0.6391% | 4,742 |
| Return on Equity (ROE) | 5.5586% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.5586% | 2,242 |
| Net charge-offs to loans | 0.2110% | 2,775 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.1613% | 3,652 |
| Efficiency ratio | 82.2856% | 1,842 |
| Assets per employee ($millions) | 5.0574% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 1,756 |
| Loan loss allowance to noncurrent loans | 15.5693% | 6,234 |
| Noncurrent assets plus other real estate owned to assets | 8.9924% | 153 |
| Noncurrent loans to loans | 12.2890% | 68 |
| Net loans and leases to total assets | 71.7744% | 1,719 |
| Net loans and leases to deposits | 78.7637% | 2,622 |
| Net loans and leases to core deposits | 82.1133% | 2,884 |
| Total domestic deposits to total assets | 91.1262% | 523 |
| Equity capital to assets | 8.4311% | 5,657 |
| Core capital (leverage) ratio | 7.7500% | 6,276 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,228 |
| Total risk-based capital ratio | 12.1466% | 6,170 |
| Memoranda: | ||
| Average total assets | $186,656,000 | 3,203 |
| Average earning assets | $171,696,200 | 3,197 |
| Average equity | $15,507,600 | 3,785 |
| Average total loans | $132,242,200 | 2,819 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 2,602 |
| Cost of funding earning assets | 0.7004% | 1,943 |
| Net interest margin | 3.6979% | 3,040 |
| Noninterest income to average assets | 0.1711% | 6,161 |
| Noninterest expense to average assets | 2.9079% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4700% | 4,932 |
| Return on assets (ROA) | 0.4863% | 5,016 |
| Pretax return on assets | 0.6780% | 4,753 |
| Return on Equity (ROE) | 5.8745% | 4,252 |
| Retained earnings to average equity (ytd only) | 5.8745% | 2,490 |
| Net charge-offs to loans | 0.2808% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.3201% | 3,741 |
| Efficiency ratio | 81.6099% | 1,883 |
| Assets per employee ($millions) | 5.1745% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9266% | 1,916 |
| Loan loss allowance to noncurrent loans | 20.7199% | 6,227 |
| Noncurrent assets plus other real estate owned to assets | 6.6147% | 322 |
| Noncurrent loans to loans | 9.2983% | 161 |
| Net loans and leases to total assets | 69.6832% | 2,020 |
| Net loans and leases to deposits | 76.3330% | 2,912 |
| Net loans and leases to core deposits | 79.6334% | 3,163 |
| Total domestic deposits to total assets | 91.2885% | 428 |
| Equity capital to assets | 8.2155% | 5,991 |
| Core capital (leverage) ratio | 7.5245% | 6,438 |
| Tier 1 risk-based capital ratio | 10.7144% | 6,387 |
| Total risk-based capital ratio | 11.9746% | 6,355 |
| Memoranda: | ||
| Average total assets | $187,803,750 | 3,217 |
| Average earning assets | $172,276,000 | 3,216 |
| Average equity | $15,547,000 | 3,820 |
| Average total loans | $131,996,500 | 2,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 2,502 |
| Cost of funding earning assets | 0.7082% | 2,016 |
| Net interest margin | 3.7079% | 2,931 |
| Noninterest income to average assets | 0.1699% | 6,194 |
| Noninterest expense to average assets | 3.0184% | 2,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4039% | 5,202 |
| Return on assets (ROA) | 0.4291% | 5,266 |
| Pretax return on assets | 0.5831% | 5,084 |
| Return on Equity (ROE) | 5.1702% | 4,631 |
| Retained earnings to average equity (ytd only) | 5.1702% | 2,944 |
| Net charge-offs to loans | 0.3989% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9658% | 3,864 |
| Efficiency ratio | 84.6085% | 1,565 |
| Assets per employee ($millions) | 5.5776% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 2,003 |
| Loan loss allowance to noncurrent loans | 20.6322% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 6.5641% | 378 |
| Noncurrent loans to loans | 9.3764% | 186 |
| Net loans and leases to total assets | 68.5634% | 2,136 |
| Net loans and leases to deposits | 75.0009% | 3,013 |
| Net loans and leases to core deposits | 78.5244% | 3,227 |
| Total domestic deposits to total assets | 91.4168% | 407 |
| Equity capital to assets | 8.1291% | 6,111 |
| Core capital (leverage) ratio | 7.4533% | 6,474 |
| Tier 1 risk-based capital ratio | 10.4779% | 6,510 |
| Total risk-based capital ratio | 11.7371% | 6,484 |
| Memoranda: | ||
| Average total assets | $188,310,670 | 3,220 |
| Average earning assets | $172,550,000 | 3,221 |
| Average equity | $15,628,000 | 3,834 |
| Average total loans | $131,876,000 | 2,846 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 2,735 |
| Cost of funding earning assets | 0.7144% | 2,100 |
| Net interest margin | 3.6227% | 3,175 |
| Noninterest income to average assets | 0.2643% | 5,568 |
| Noninterest expense to average assets | 3.0781% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3965% | 5,140 |
| Return on assets (ROA) | 0.3965% | 5,285 |
| Pretax return on assets | 0.5265% | 5,188 |
| Return on Equity (ROE) | 4.7286% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.7286% | 3,401 |
| Net charge-offs to loans | 0.6326% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 3,430 |
| Efficiency ratio | 85.3933% | 1,598 |
| Assets per employee ($millions) | 5.3596% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0071% | 2,025 |
| Loan loss allowance to noncurrent loans | 20.9031% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 6.7089% | 436 |
| Noncurrent loans to loans | 9.6020% | 232 |
| Net loans and leases to total assets | 68.1897% | 1,973 |
| Net loans and leases to deposits | 74.6979% | 2,819 |
| Net loans and leases to core deposits | 78.0012% | 3,063 |
| Total domestic deposits to total assets | 91.2872% | 413 |
| Equity capital to assets | 8.4052% | 6,097 |
| Core capital (leverage) ratio | 7.5110% | 6,465 |
| Tier 1 risk-based capital ratio | 10.7388% | 6,507 |
| Total risk-based capital ratio | 11.9985% | 6,471 |
| Memoranda: | ||
| Average total assets | $187,646,500 | 3,258 |
| Average earning assets | $173,022,500 | 3,237 |
| Average equity | $15,734,000 | 3,867 |
| Average total loans | $131,520,000 | 2,875 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 2,288 |
| Cost of funding earning assets | 0.8882% | 2,003 |
| Net interest margin | 3.8890% | 2,878 |
| Noninterest income to average assets | 0.2527% | 5,656 |
| Noninterest expense to average assets | 2.9355% | 3,516 |
| Loan and lease loss provision to assets | 0.2814% | 2,404 |
| Net operating income to assets | 0.4129% | 5,046 |
| Return on assets (ROA) | 0.6029% | 4,488 |
| Pretax return on assets | 0.8578% | 4,076 |
| Return on Equity (ROE) | 7.6471% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.6471% | 1,259 |
| Net charge-offs to loans | 0.5394% | 2,114 |
| Credit loss provision to net charge-offs | 74.7922% | 4,016 |
| Earnings coverage of net charge-offs (x) | 2.3061% | 4,261 |
| Efficiency ratio | 77.1855% | 2,566 |
| Assets per employee ($millions) | 5.0731% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1343% | 1,677 |
| Loan loss allowance to noncurrent loans | 23.2757% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 6.5496% | 504 |
| Noncurrent loans to loans | 9.1695% | 279 |
| Net loans and leases to total assets | 69.0852% | 2,014 |
| Net loans and leases to deposits | 75.6456% | 2,861 |
| Net loans and leases to core deposits | 78.6107% | 3,185 |
| Total domestic deposits to total assets | 91.3274% | 391 |
| Equity capital to assets | 8.3647% | 6,149 |
| Core capital (leverage) ratio | 7.2598% | 6,608 |
| Tier 1 risk-based capital ratio | 10.4865% | 6,562 |
| Total risk-based capital ratio | 11.7477% | 6,525 |
| Memoranda: | ||
| Average total assets | $191,894,200 | 3,153 |
| Average earning assets | $175,188,200 | 3,160 |
| Average equity | $15,130,000 | 3,935 |
| Average total loans | $133,845,400 | 2,813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 2,582 |
| Cost of funding earning assets | 0.9316% | 1,968 |
| Net interest margin | 3.8169% | 3,259 |
| Noninterest income to average assets | 0.2502% | 5,776 |
| Noninterest expense to average assets | 2.8512% | 3,791 |
| Loan and lease loss provision to assets | 0.2764% | 2,363 |
| Net operating income to assets | 0.4093% | 5,211 |
| Return on assets (ROA) | 0.6516% | 4,400 |
| Pretax return on assets | 0.9370% | 3,971 |
| Return on Equity (ROE) | 8.3891% | 3,087 |
| Retained earnings to average equity (ytd only) | 8.3891% | 1,446 |
| Net charge-offs to loans | 0.5962% | 1,842 |
| Credit loss provision to net charge-offs | 66.6667% | 3,990 |
| Earnings coverage of net charge-offs (x) | 2.0917% | 4,224 |
| Efficiency ratio | 76.6772% | 2,570 |
| Assets per employee ($millions) | 5.5035% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,851 |
| Loan loss allowance to noncurrent loans | 23.9536% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 6.1976% | 632 |
| Noncurrent loans to loans | 8.8840% | 317 |
| Net loans and leases to total assets | 67.0936% | 2,442 |
| Net loans and leases to deposits | 73.1425% | 3,424 |
| Net loans and leases to core deposits | 75.9489% | 3,734 |
| Total domestic deposits to total assets | 91.7299% | 241 |
| Equity capital to assets | 8.0230% | 6,578 |
| Core capital (leverage) ratio | 6.9743% | 6,800 |
| Tier 1 risk-based capital ratio | 10.2139% | 6,745 |
| Total risk-based capital ratio | 11.4787% | 6,723 |
| Memoranda: | ||
| Average total assets | $192,941,250 | 3,176 |
| Average earning assets | $175,320,250 | 3,192 |
| Average equity | $14,987,250 | 4,009 |
| Average total loans | $134,180,500 | 2,836 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 2,375 |
| Cost of funding earning assets | 0.9672% | 1,952 |
| Net interest margin | 3.8642% | 3,069 |
| Noninterest income to average assets | 0.2549% | 5,756 |
| Noninterest expense to average assets | 2.9153% | 3,562 |
| Loan and lease loss provision to assets | 0.4144% | 1,585 |
| Net operating income to assets | 0.3194% | 5,548 |
| Return on assets (ROA) | 0.6817% | 4,234 |
| Pretax return on assets | 0.9314% | 3,959 |
| Return on Equity (ROE) | 8.8729% | 2,870 |
| Retained earnings to average equity (ytd only) | 8.8729% | 1,318 |
| Net charge-offs to loans | 1.0275% | 1,070 |
| Credit loss provision to net charge-offs | 57.7201% | 3,860 |
| Earnings coverage of net charge-offs (x) | 1.1833% | 4,417 |
| Efficiency ratio | 77.4353% | 2,533 |
| Assets per employee ($millions) | 5.2321% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0385% | 2,133 |
| Loan loss allowance to noncurrent loans | 25.0069% | 6,362 |
| Noncurrent assets plus other real estate owned to assets | 5.7467% | 759 |
| Noncurrent loans to loans | 8.1516% | 415 |
| Net loans and leases to total assets | 67.4474% | 2,385 |
| Net loans and leases to deposits | 73.3407% | 3,402 |
| Net loans and leases to core deposits | 75.8709% | 3,777 |
| Total domestic deposits to total assets | 91.9644% | 230 |
| Equity capital to assets | 7.8114% | 6,672 |
| Core capital (leverage) ratio | 6.7960% | 6,865 |
| Tier 1 risk-based capital ratio | 9.7966% | 6,871 |
| Total risk-based capital ratio | 11.0573% | 6,866 |
| Memoranda: | ||
| Average total assets | $193,047,670 | 3,179 |
| Average earning assets | $175,352,000 | 3,200 |
| Average equity | $14,831,670 | 4,023 |
| Average total loans | $134,891,670 | 2,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 2,288 |
| Cost of funding earning assets | 1.0021% | 1,972 |
| Net interest margin | 3.8878% | 2,977 |
| Noninterest income to average assets | 0.3112% | 5,392 |
| Noninterest expense to average assets | 3.1414% | 2,783 |
| Loan and lease loss provision to assets | 0.3112% | 2,020 |
| Net operating income to assets | 0.3216% | 5,585 |
| Return on assets (ROA) | 0.3216% | 5,753 |
| Pretax return on assets | 0.4088% | 5,695 |
| Return on Equity (ROE) | 4.2216% | 5,185 |
| Retained earnings to average equity (ytd only) | 4.2216% | 4,059 |
| Net charge-offs to loans | 1.7923% | 530 |
| Credit loss provision to net charge-offs | 24.6711% | 3,712 |
| Earnings coverage of net charge-offs (x) | 0.5707% | 4,050 |
| Efficiency ratio | 81.3541% | 2,032 |
| Assets per employee ($millions) | 5.2433% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 2,657 |
| Loan loss allowance to noncurrent loans | 24.8612% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 5.3324% | 947 |
| Noncurrent loans to loans | 7.6674% | 531 |
| Net loans and leases to total assets | 67.6935% | 2,168 |
| Net loans and leases to deposits | 73.5427% | 3,191 |
| Net loans and leases to core deposits | 76.6952% | 3,525 |
| Total domestic deposits to total assets | 92.0464% | 246 |
| Equity capital to assets | 7.5907% | 6,749 |
| Core capital (leverage) ratio | 6.6301% | 6,946 |
| Tier 1 risk-based capital ratio | 9.3226% | 6,991 |
| Total risk-based capital ratio | 10.5808% | 6,989 |
| Memoranda: | ||
| Average total assets | $192,777,500 | 3,200 |
| Average earning assets | $176,036,000 | 3,211 |
| Average equity | $14,686,500 | 4,059 |
| Average total loans | $135,694,000 | 2,842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 3,589 |
| Cost of funding earning assets | 1.1785% | 2,173 |
| Net interest margin | 3.6715% | 4,425 |
| Noninterest income to average assets | 0.2468% | 5,763 |
| Noninterest expense to average assets | 3.4129% | 2,209 |
| Loan and lease loss provision to assets | 2.1522% | 243 |
| Net operating income to assets | -1.0821% | 6,777 |
| Return on assets (ROA) | -1.0560% | 6,788 |
| Pretax return on assets | -1.9288% | 7,007 |
| Return on Equity (ROE) | -12.9026% | 6,832 |
| Retained earnings to average equity (ytd only) | -12.9026% | 6,806 |
| Net charge-offs to loans | 2.3605% | 521 |
| Credit loss provision to net charge-offs | 130.3236% | 2,351 |
| Earnings coverage of net charge-offs (x) | 0.1106% | 5,751 |
| Efficiency ratio | 94.9186% | 867 |
| Assets per employee ($millions) | 5.1771% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 1,817 |
| Loan loss allowance to noncurrent loans | 27.0125% | 6,346 |
| Noncurrent assets plus other real estate owned to assets | 5.8589% | 853 |
| Noncurrent loans to loans | 8.1034% | 493 |
| Net loans and leases to total assets | 70.2152% | 1,994 |
| Net loans and leases to deposits | 76.5505% | 3,082 |
| Net loans and leases to core deposits | 79.8765% | 3,461 |
| Total domestic deposits to total assets | 91.7240% | 277 |
| Equity capital to assets | 7.6464% | 6,751 |
| Core capital (leverage) ratio | 6.4614% | 6,986 |
| Tier 1 risk-based capital ratio | 9.0408% | 7,028 |
| Total risk-based capital ratio | 10.2995% | 7,029 |
| Memoranda: | ||
| Average total assets | $196,492,400 | 3,093 |
| Average earning assets | $179,217,600 | 3,098 |
| Average equity | $16,082,000 | 3,714 |
| Average total loans | $137,472,600 | 2,845 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 3,801 |
| Cost of funding earning assets | 1.2121% | 2,244 |
| Net interest margin | 3.6350% | 4,636 |
| Noninterest income to average assets | 0.2293% | 5,976 |
| Noninterest expense to average assets | 2.9967% | 3,565 |
| Loan and lease loss provision to assets | 0.3223% | 2,956 |
| Net operating income to assets | 0.1717% | 5,769 |
| Return on assets (ROA) | 0.2138% | 5,798 |
| Pretax return on assets | 0.2724% | 5,766 |
| Return on Equity (ROE) | 2.5708% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.5708% | 4,827 |
| Net charge-offs to loans | 0.6198% | 2,392 |
| Credit loss provision to net charge-offs | 74.8044% | 4,326 |
| Earnings coverage of net charge-offs (x) | 1.2551% | 4,677 |
| Efficiency ratio | 84.7122% | 1,666 |
| Assets per employee ($millions) | 5.1476% | 1,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,666 |
| Loan loss allowance to noncurrent loans | 17.2749% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 5.5601% | 995 |
| Noncurrent loans to loans | 7.9573% | 553 |
| Net loans and leases to total assets | 68.4064% | 2,398 |
| Net loans and leases to deposits | 75.1251% | 3,489 |
| Net loans and leases to core deposits | 78.3320% | 3,850 |
| Total domestic deposits to total assets | 91.0566% | 418 |
| Equity capital to assets | 8.7133% | 6,070 |
| Core capital (leverage) ratio | 8.0910% | 6,294 |
| Tier 1 risk-based capital ratio | 11.6681% | 6,128 |
| Total risk-based capital ratio | 12.9196% | 6,120 |
| Memoranda: | ||
| Average total assets | $197,727,000 | 3,100 |
| Average earning assets | $179,951,500 | 3,109 |
| Average equity | $16,440,750 | 3,669 |
| Average total loans | $137,463,250 | 2,868 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 3,744 |
| Cost of funding earning assets | 1.2374% | 2,341 |
| Net interest margin | 3.6357% | 4,578 |
| Noninterest income to average assets | 0.2419% | 5,915 |
| Noninterest expense to average assets | 2.8372% | 4,281 |
| Loan and lease loss provision to assets | 0.4374% | 2,245 |
| Net operating income to assets | 0.2113% | 5,700 |
| Return on assets (ROA) | 0.2741% | 5,593 |
| Pretax return on assets | 0.3497% | 5,545 |
| Return on Equity (ROE) | 3.3498% | 5,237 |
| Retained earnings to average equity (ytd only) | 3.3498% | 4,128 |
| Net charge-offs to loans | 0.7388% | 2,029 |
| Credit loss provision to net charge-offs | 85.0980% | 3,616 |
| Earnings coverage of net charge-offs (x) | 1.3745% | 4,251 |
| Efficiency ratio | 80.0626% | 2,379 |
| Assets per employee ($millions) | 4.9200% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,397 |
| Loan loss allowance to noncurrent loans | 18.5080% | 6,766 |
| Noncurrent assets plus other real estate owned to assets | 5.4147% | 1,093 |
| Noncurrent loans to loans | 7.7791% | 600 |
| Net loans and leases to total assets | 67.8305% | 2,654 |
| Net loans and leases to deposits | 74.2430% | 3,765 |
| Net loans and leases to core deposits | 79.6217% | 3,843 |
| Total domestic deposits to total assets | 91.3627% | 377 |
| Equity capital to assets | 8.4340% | 6,256 |
| Core capital (leverage) ratio | 8.0455% | 6,246 |
| Tier 1 risk-based capital ratio | 11.6473% | 6,059 |
| Total risk-based capital ratio | 12.8989% | 6,047 |
| Memoranda: | ||
| Average total assets | $198,433,000 | 3,117 |
| Average earning assets | $180,215,330 | 3,133 |
| Average equity | $16,239,670 | 3,692 |
| Average total loans | $138,059,670 | 2,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 4,215 |
| Cost of funding earning assets | 1.2273% | 2,643 |
| Net interest margin | 3.5405% | 4,850 |
| Noninterest income to average assets | 0.2108% | 6,228 |
| Noninterest expense to average assets | 2.6620% | 4,989 |
| Loan and lease loss provision to assets | 0.6404% | 1,345 |
| Net operating income to assets | 0.1365% | 5,984 |
| Return on assets (ROA) | 0.1365% | 6,042 |
| Pretax return on assets | 0.1747% | 5,997 |
| Return on Equity (ROE) | 1.6936% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.6936% | 5,105 |
| Net charge-offs to loans | 0.8495% | 1,554 |
| Credit loss provision to net charge-offs | 107.7703% | 2,476 |
| Earnings coverage of net charge-offs (x) | 1.3716% | 3,663 |
| Efficiency ratio | 76.5589% | 3,060 |
| Assets per employee ($millions) | 5.2227% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 4,335 |
| Loan loss allowance to noncurrent loans | 21.5571% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 4.8568% | 1,309 |
| Noncurrent loans to loans | 6.8309% | 832 |
| Net loans and leases to total assets | 69.0799% | 2,308 |
| Net loans and leases to deposits | 75.3704% | 3,522 |
| Net loans and leases to core deposits | 80.7518% | 3,637 |
| Total domestic deposits to total assets | 91.6539% | 381 |
| Equity capital to assets | 8.1134% | 6,377 |
| Core capital (leverage) ratio | 7.8892% | 6,379 |
| Tier 1 risk-based capital ratio | 11.1303% | 6,413 |
| Total risk-based capital ratio | 12.3825% | 6,381 |
| Memoranda: | ||
| Average total assets | $199,250,500 | 3,122 |
| Average earning assets | $183,816,000 | 3,091 |
| Average equity | $16,060,500 | 3,717 |
| Average total loans | $139,370,000 | 2,901 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 4,496 |
| Cost of funding earning assets | 1.3947% | 3,304 |
| Net interest margin | 3.6177% | 4,728 |
| Noninterest income to average assets | 0.3573% | 5,253 |
| Noninterest expense to average assets | 2.6691% | 5,129 |
| Loan and lease loss provision to assets | 0.7324% | 2,242 |
| Net operating income to assets | 0.3095% | 4,903 |
| Return on assets (ROA) | 0.3194% | 5,032 |
| Pretax return on assets | 0.4013% | 4,940 |
| Return on Equity (ROE) | 3.9412% | 4,555 |
| Retained earnings to average equity (ytd only) | 3.9412% | 3,107 |
| Net charge-offs to loans | 1.2057% | 1,860 |
| Credit loss provision to net charge-offs | 84.3750% | 5,370 |
| Earnings coverage of net charge-offs (x) | 1.2919% | 4,809 |
| Efficiency ratio | 70.4159% | 4,085 |
| Assets per employee ($millions) | 5.1292% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 4,276 |
| Loan loss allowance to noncurrent loans | 21.1681% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 4.8741% | 1,332 |
| Noncurrent loans to loans | 6.8564% | 838 |
| Net loans and leases to total assets | 68.7704% | 2,794 |
| Net loans and leases to deposits | 74.9296% | 4,038 |
| Net loans and leases to core deposits | 80.0972% | 4,201 |
| Total domestic deposits to total assets | 91.7801% | 332 |
| Equity capital to assets | 8.0080% | 6,488 |
| Core capital (leverage) ratio | 7.8454% | 6,384 |
| Tier 1 risk-based capital ratio | 10.9354% | 6,380 |
| Total risk-based capital ratio | 12.1874% | 6,348 |
| Memoranda: | ||
| Average total assets | $195,380,800 | 3,156 |
| Average earning assets | $185,420,000 | 3,055 |
| Average equity | $15,832,800 | 3,803 |
| Average total loans | $140,665,800 | 2,937 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 4,241 |
| Cost of funding earning assets | 1.4285% | 3,396 |
| Net interest margin | 3.6855% | 4,482 |
| Noninterest income to average assets | 0.3714% | 5,183 |
| Noninterest expense to average assets | 2.7439% | 4,705 |
| Loan and lease loss provision to assets | 0.6769% | 2,256 |
| Net operating income to assets | 0.3179% | 5,092 |
| Return on assets (ROA) | 0.3179% | 5,264 |
| Pretax return on assets | 0.4503% | 5,075 |
| Return on Equity (ROE) | 3.9105% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.9105% | 3,718 |
| Net charge-offs to loans | 1.4569% | 1,393 |
| Credit loss provision to net charge-offs | 64.0260% | 5,590 |
| Earnings coverage of net charge-offs (x) | 1.0662% | 4,989 |
| Efficiency ratio | 70.8814% | 3,906 |
| Assets per employee ($millions) | 5.0418% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,384 |
| Loan loss allowance to noncurrent loans | 24.4304% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 3.7069% | 1,918 |
| Noncurrent loans to loans | 4.9971% | 1,380 |
| Net loans and leases to total assets | 71.4762% | 2,357 |
| Net loans and leases to deposits | 78.1918% | 3,794 |
| Net loans and leases to core deposits | 83.9997% | 3,936 |
| Total domestic deposits to total assets | 91.4114% | 330 |
| Equity capital to assets | 8.3191% | 6,484 |
| Core capital (leverage) ratio | 7.9572% | 6,409 |
| Tier 1 risk-based capital ratio | 10.5101% | 6,770 |
| Total risk-based capital ratio | 11.6865% | 6,811 |
| Memoranda: | ||
| Average total assets | $194,216,500 | 3,216 |
| Average earning assets | $184,431,500 | 3,117 |
| Average equity | $15,786,250 | 3,846 |
| Average total loans | $140,934,000 | 2,963 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 4,500 |
| Cost of funding earning assets | 1.4672% | 3,448 |
| Net interest margin | 3.6249% | 4,711 |
| Noninterest income to average assets | 0.3857% | 5,030 |
| Noninterest expense to average assets | 2.7041% | 4,889 |
| Loan and lease loss provision to assets | 0.7921% | 1,818 |
| Net operating income to assets | 0.2296% | 5,463 |
| Return on assets (ROA) | 0.2296% | 5,599 |
| Pretax return on assets | 0.3361% | 5,403 |
| Return on Equity (ROE) | 2.8469% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,331 |
| Net charge-offs to loans | 2.2038% | 812 |
| Credit loss provision to net charge-offs | 49.4832% | 5,430 |
| Earnings coverage of net charge-offs (x) | 0.7048% | 5,038 |
| Efficiency ratio | 70.5613% | 4,070 |
| Assets per employee ($millions) | 4.9842% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0618% | 6,125 |
| Loan loss allowance to noncurrent loans | 17.4109% | 7,058 |
| Noncurrent assets plus other real estate owned to assets | 4.5508% | 1,448 |
| Noncurrent loans to loans | 6.0984% | 1,040 |
| Net loans and leases to total assets | 72.3371% | 2,313 |
| Net loans and leases to deposits | 78.9546% | 3,808 |
| Net loans and leases to core deposits | 85.2643% | 3,944 |
| Total domestic deposits to total assets | 91.6186% | 308 |
| Equity capital to assets | 8.1725% | 6,576 |
| Core capital (leverage) ratio | 7.8802% | 6,410 |
| Tier 1 risk-based capital ratio | 10.2909% | 6,842 |
| Total risk-based capital ratio | 11.3076% | 6,970 |
| Memoranda: | ||
| Average total assets | $193,411,330 | 3,254 |
| Average earning assets | $183,892,670 | 3,152 |
| Average equity | $15,595,670 | 3,872 |
| Average total loans | $140,484,670 | 3,002 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1768% | 4,152 |
| Cost of funding earning assets | 1.5272% | 3,393 |
| Net interest margin | 3.6496% | 4,490 |
| Noninterest income to average assets | 0.3877% | 5,017 |
| Noninterest expense to average assets | 2.6684% | 5,066 |
| Loan and lease loss provision to assets | 1.2253% | 992 |
| Net operating income to assets | -0.0166% | 6,330 |
| Return on assets (ROA) | -0.0166% | 6,421 |
| Pretax return on assets | -0.0228% | 6,387 |
| Return on Equity (ROE) | -0.2071% | 6,433 |
| Retained earnings to average equity (ytd only) | -0.2071% | 5,876 |
| Net charge-offs to loans | 3.8978% | 345 |
| Credit loss provision to net charge-offs | 43.4240% | 4,583 |
| Earnings coverage of net charge-offs (x) | 0.4262% | 4,648 |
| Efficiency ratio | 68.9341% | 4,517 |
| Assets per employee ($millions) | 4.8401% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 6,097 |
| Loan loss allowance to noncurrent loans | 39.4860% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0821% | 3,412 |
| Noncurrent loans to loans | 2.7391% | 2,910 |
| Net loans and leases to total assets | 71.8534% | 2,493 |
| Net loans and leases to deposits | 78.3278% | 3,975 |
| Net loans and leases to core deposits | 84.3347% | 4,160 |
| Total domestic deposits to total assets | 91.7342% | 309 |
| Equity capital to assets | 8.0200% | 6,632 |
| Core capital (leverage) ratio | 7.8329% | 6,458 |
| Tier 1 risk-based capital ratio | 10.1546% | 6,930 |
| Total risk-based capital ratio | 11.1817% | 7,063 |
| Memoranda: | ||
| Average total assets | $192,925,500 | 3,323 |
| Average earning assets | $184,128,000 | 3,202 |
| Average equity | $15,450,500 | 3,940 |
| Average total loans | $139,667,000 | 3,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 3,822 |
| Cost of funding earning assets | 2.2762% | 1,747 |
| Net interest margin | 3.2827% | 5,808 |
| Noninterest income to average assets | 0.4316% | 4,943 |
| Noninterest expense to average assets | 2.7003% | 5,395 |
| Loan and lease loss provision to assets | 0.5266% | 3,738 |
| Net operating income to assets | 0.2695% | 4,647 |
| Return on assets (ROA) | 0.2695% | 4,730 |
| Pretax return on assets | 0.3082% | 4,735 |
| Return on Equity (ROE) | 3.4816% | 4,294 |
| Retained earnings to average equity (ytd only) | 3.4816% | 2,733 |
| Net charge-offs to loans | 0.1072% | 6,081 |
| Credit loss provision to net charge-offs | 675.4967% | 431 |
| Earnings coverage of net charge-offs (x) | 10.7086% | 1,654 |
| Efficiency ratio | 76.3838% | 3,461 |
| Assets per employee ($millions) | 4.8062% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 3,080 |
| Loan loss allowance to noncurrent loans | 40.8014% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.0138% | 2,321 |
| Noncurrent loans to loans | 4.0482% | 1,831 |
| Net loans and leases to total assets | 70.9561% | 3,022 |
| Net loans and leases to deposits | 77.3437% | 4,494 |
| Net loans and leases to core deposits | 92.9598% | 4,784 |
| Total domestic deposits to total assets | 91.7414% | 317 |
| Equity capital to assets | 7.9970% | 6,585 |
| Core capital (leverage) ratio | 7.8133% | 6,433 |
| Tier 1 risk-based capital ratio | 10.4926% | 6,403 |
| Total risk-based capital ratio | 11.7510% | 6,373 |
| Memoranda: | ||
| Average total assets | $193,685,200 | 3,249 |
| Average earning assets | $183,114,200 | 3,178 |
| Average equity | $14,993,200 | 4,057 |
| Average total loans | $140,918,600 | 3,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6085% | 3,818 |
| Cost of funding earning assets | 2.4433% | 1,478 |
| Net interest margin | 3.1652% | 6,130 |
| Noninterest income to average assets | 0.4569% | 4,853 |
| Noninterest expense to average assets | 2.6337% | 5,584 |
| Loan and lease loss provision to assets | 0.3573% | 4,180 |
| Net operating income to assets | 0.3559% | 4,567 |
| Return on assets (ROA) | 0.3559% | 4,664 |
| Pretax return on assets | 0.4452% | 4,676 |
| Return on Equity (ROE) | 4.6359% | 4,103 |
| Retained earnings to average equity (ytd only) | 4.6359% | 2,687 |
| Net charge-offs to loans | 0.0839% | 5,844 |
| Credit loss provision to net charge-offs | 584.2697% | 662 |
| Earnings coverage of net charge-offs (x) | 13.1240% | 1,700 |
| Efficiency ratio | 76.6447% | 3,393 |
| Assets per employee ($millions) | 4.6924% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,421 |
| Loan loss allowance to noncurrent loans | 32.5831% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 3.1031% | 2,209 |
| Noncurrent loans to loans | 4.0287% | 1,825 |
| Net loans and leases to total assets | 72.4106% | 2,933 |
| Net loans and leases to deposits | 79.0645% | 4,552 |
| Net loans and leases to core deposits | 95.6767% | 4,843 |
| Total domestic deposits to total assets | 91.5842% | 247 |
| Equity capital to assets | 8.0831% | 6,766 |
| Core capital (leverage) ratio | 7.5666% | 6,902 |
| Tier 1 risk-based capital ratio | 10.4047% | 6,566 |
| Total risk-based capital ratio | 11.6547% | 6,512 |
| Memoranda: | ||
| Average total assets | $194,044,750 | 3,267 |
| Average earning assets | $182,648,000 | 3,209 |
| Average equity | $14,898,000 | 4,114 |
| Average total loans | $141,472,750 | 3,088 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6247% | 3,938 |
| Cost of funding earning assets | 2.5087% | 1,581 |
| Net interest margin | 3.1160% | 6,186 |
| Noninterest income to average assets | 0.3433% | 5,766 |
| Noninterest expense to average assets | 2.5663% | 5,878 |
| Loan and lease loss provision to assets | 0.1542% | 5,530 |
| Net operating income to assets | 0.4306% | 4,377 |
| Return on assets (ROA) | 0.4306% | 4,490 |
| Pretax return on assets | 0.5704% | 4,406 |
| Return on Equity (ROE) | 5.7083% | 3,781 |
| Retained earnings to average equity (ytd only) | 5.7083% | 2,157 |
| Net charge-offs to loans | 0.0551% | 5,723 |
| Credit loss provision to net charge-offs | 384.6154% | 1,204 |
| Earnings coverage of net charge-offs (x) | 18.0769% | 1,431 |
| Efficiency ratio | 77.9825% | 3,348 |
| Assets per employee ($millions) | 5.1205% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 5,743 |
| Loan loss allowance to noncurrent loans | 97.5812% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 1.0824% | 4,795 |
| Noncurrent loans to loans | 1.1051% | 5,005 |
| Net loans and leases to total assets | 68.6565% | 4,032 |
| Net loans and leases to deposits | 74.3203% | 5,412 |
| Net loans and leases to core deposits | 92.8916% | 5,253 |
| Total domestic deposits to total assets | 92.3792% | 158 |
| Equity capital to assets | 7.2976% | 7,417 |
| Core capital (leverage) ratio | 7.6282% | 6,860 |
| Tier 1 risk-based capital ratio | 9.9781% | 6,950 |
| Total risk-based capital ratio | 11.0028% | 7,122 |
| Memoranda: | ||
| Average total assets | $194,596,670 | 3,284 |
| Average earning assets | $184,079,670 | 3,211 |
| Average equity | $14,680,330 | 4,165 |
| Average total loans | $141,576,000 | 3,117 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 3,398 |
| Cost of funding earning assets | 2.6624% | 1,367 |
| Net interest margin | 3.1189% | 6,142 |
| Noninterest income to average assets | 0.3335% | 5,782 |
| Noninterest expense to average assets | 2.5754% | 5,551 |
| Loan and lease loss provision to assets | 0.1267% | 5,337 |
| Net operating income to assets | 0.4243% | 4,766 |
| Return on assets (ROA) | 0.4243% | 4,939 |
| Pretax return on assets | 0.5594% | 4,884 |
| Return on Equity (ROE) | 5.5269% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.5269% | 2,852 |
| Net charge-offs to loans | 0.1217% | 4,001 |
| Credit loss provision to net charge-offs | 139.5349% | 2,916 |
| Earnings coverage of net charge-offs (x) | 7.5581% | 2,330 |
| Efficiency ratio | 78.9644% | 3,009 |
| Assets per employee ($millions) | 4.8355% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 5,990 |
| Loan loss allowance to noncurrent loans | 98.9003% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 4,941 |
| Noncurrent loans to loans | 1.0362% | 4,919 |
| Net loans and leases to total assets | 71.8542% | 3,276 |
| Net loans and leases to deposits | 78.2579% | 4,884 |
| Net loans and leases to core deposits | 98.9020% | 4,657 |
| Total domestic deposits to total assets | 91.8172% | 209 |
| Equity capital to assets | 7.5955% | 7,269 |
| Core capital (leverage) ratio | 7.7825% | 6,771 |
| Tier 1 risk-based capital ratio | 10.0943% | 6,815 |
| Total risk-based capital ratio | 11.0821% | 7,016 |
| Memoranda: | ||
| Average total assets | $189,484,500 | 3,366 |
| Average earning assets | $177,881,500 | 3,307 |
| Average equity | $14,547,000 | 4,217 |
| Average total loans | $141,286,000 | 3,149 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3274% | 3,810 |
| Cost of funding earning assets | 3.1082% | 1,480 |
| Net interest margin | 3.2193% | 6,309 |
| Noninterest income to average assets | 0.3736% | 5,704 |
| Noninterest expense to average assets | 2.5559% | 5,809 |
| Loan and lease loss provision to assets | 0.2958% | 4,016 |
| Net operating income to assets | 0.4505% | 4,952 |
| Return on assets (ROA) | 0.4497% | 4,776 |
| Pretax return on assets | 0.6168% | 4,638 |
| Return on Equity (ROE) | 5.8594% | 4,003 |
| Retained earnings to average equity (ytd only) | 5.8594% | 1,589 |
| Net charge-offs to loans | 0.1030% | 5,277 |
| Credit loss provision to net charge-offs | 377.6224% | 1,165 |
| Earnings coverage of net charge-offs (x) | 11.6643% | 2,349 |
| Efficiency ratio | 73.6659% | 3,632 |
| Assets per employee ($millions) | 4.8829% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,054 |
| Loan loss allowance to noncurrent loans | 48.8492% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 1.7214% | 2,826 |
| Noncurrent loans to loans | 2.0478% | 2,700 |
| Net loans and leases to total assets | 75.8455% | 2,667 |
| Net loans and leases to deposits | 83.2980% | 4,526 |
| Net loans and leases to core deposits | 106.8531% | 4,100 |
| Total domestic deposits to total assets | 91.0531% | 313 |
| Equity capital to assets | 7.7623% | 7,144 |
| Core capital (leverage) ratio | 7.9973% | 6,499 |
| Tier 1 risk-based capital ratio | 9.8838% | 6,867 |
| Total risk-based capital ratio | 10.8533% | 7,094 |
| Memoranda: | ||
| Average total assets | $182,557,800 | 3,386 |
| Average earning assets | $175,568,600 | 3,252 |
| Average equity | $14,011,600 | 4,337 |
| Average total loans | $138,795,400 | 3,116 |