Home > Hibernia Bank > Performance and Condition Ratios
Hibernia Bank, Performance and Condition Ratios
| 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 | 4.2952% | 2,775 |
| Cost of funding earning assets | 1.0203% | 425 |
| Net interest margin | 3.2748% | 4,320 |
| Noninterest income to average assets | -0.0015% | 5,504 |
| Noninterest expense to average assets | 3.7635% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4582% | 5,440 |
| Return on assets (ROA) | -0.4582% | 5,434 |
| Pretax return on assets | -0.6666% | 5,446 |
| Return on Equity (ROE) | -3.2223% | 5,415 |
| Retained earnings to average equity (ytd only) | -3.2223% | 5,224 |
| Net charge-offs to loans | -0.0055% | 4,123 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5240% | 64 |
| Assets per employee ($millions) | 5.7186% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 4,439 |
| Loan loss allowance to noncurrent loans | 116.0804% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 2,327 |
| Noncurrent loans to loans | 0.7553% | 2,233 |
| Net loans and leases to total assets | 83.0339% | 577 |
| Net loans and leases to deposits | 98.2451% | 952 |
| Net loans and leases to core deposits | 106.6786% | 1,194 |
| Total domestic deposits to total assets | 84.5171% | 2,863 |
| Equity capital to assets | 14.5378% | 799 |
| Core capital (leverage) ratio | 14.3070% | 826 |
| Tier 1 risk-based capital ratio | 22.5782% | 977 |
| Total risk-based capital ratio | 23.7100% | 969 |
| Memoranda: | ||
| Average total assets | $130,517,670 | 3,702 |
| Average earning assets | $123,488,000 | 3,650 |
| Average equity | $18,558,330 | 3,268 |
| Average total loans | $110,023,000 | 3,172 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 2,829 |
| Cost of funding earning assets | 0.9731% | 422 |
| Net interest margin | 3.2449% | 4,325 |
| Noninterest income to average assets | 0.0512% | 5,471 |
| Noninterest expense to average assets | 2.6853% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3462% | 5,013 |
| Return on assets (ROA) | 0.3462% | 5,018 |
| Pretax return on assets | 0.4576% | 4,950 |
| Return on Equity (ROE) | 2.4609% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.4609% | 4,185 |
| Net charge-offs to loans | -0.0107% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4406% | 683 |
| Assets per employee ($millions) | 5.9158% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8328% | 4,695 |
| Loan loss allowance to noncurrent loans | 504.9180% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,386 |
| Noncurrent loans to loans | 0.1649% | 4,238 |
| Net loans and leases to total assets | 84.5421% | 384 |
| Net loans and leases to deposits | 99.9273% | 712 |
| Net loans and leases to core deposits | 109.0303% | 1,059 |
| Total domestic deposits to total assets | 84.6036% | 3,073 |
| Equity capital to assets | 14.3745% | 802 |
| Core capital (leverage) ratio | 14.2350% | 822 |
| Tier 1 risk-based capital ratio | 21.7894% | 1,086 |
| Total risk-based capital ratio | 22.8577% | 1,083 |
| Memoranda: | ||
| Average total assets | $132,871,500 | 3,694 |
| Average earning assets | $126,600,500 | 3,635 |
| Average equity | $18,692,500 | 3,286 |
| Average total loans | $112,340,000 | 3,155 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 2,907 |
| Cost of funding earning assets | 0.8506% | 483 |
| Net interest margin | 3.2916% | 4,185 |
| Noninterest income to average assets | 0.0724% | 5,481 |
| Noninterest expense to average assets | 2.7263% | 3,040 |
| Loan and lease loss provision to assets | 0.0670% | 2,863 |
| Net operating income to assets | 0.1143% | 5,245 |
| Return on assets (ROA) | 0.1143% | 5,247 |
| Pretax return on assets | 0.4068% | 5,082 |
| Return on Equity (ROE) | 0.8018% | 5,267 |
| Retained earnings to average equity (ytd only) | 0.8018% | 4,714 |
| Net charge-offs to loans | 0.0073% | 3,821 |
| Credit loss provision to net charge-offs | 1,100.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 77.7500% | 786 |
| Efficiency ratio | 85.1940% | 690 |
| Assets per employee ($millions) | 6.1635% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 4,796 |
| Loan loss allowance to noncurrent loans | 495.1613% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 4,452 |
| Noncurrent loans to loans | 0.1635% | 4,277 |
| Net loans and leases to total assets | 83.1927% | 530 |
| Net loans and leases to deposits | 102.0010% | 606 |
| Net loans and leases to core deposits | 110.5670% | 969 |
| Total domestic deposits to total assets | 81.5607% | 3,982 |
| Equity capital to assets | 13.7740% | 967 |
| Core capital (leverage) ratio | 13.8486% | 870 |
| Tier 1 risk-based capital ratio | 21.1595% | 1,122 |
| Total risk-based capital ratio | 22.1998% | 1,133 |
| Memoranda: | ||
| Average total assets | $131,277,600 | 3,729 |
| Average earning assets | $124,741,800 | 3,675 |
| Average equity | $18,707,600 | 3,272 |
| Average total loans | $110,295,600 | 3,177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 3,001 |
| Cost of funding earning assets | 0.8208% | 510 |
| Net interest margin | 3.2745% | 4,243 |
| Noninterest income to average assets | 0.0799% | 5,532 |
| Noninterest expense to average assets | 2.5407% | 3,595 |
| Loan and lease loss provision to assets | 0.0901% | 2,268 |
| Net operating income to assets | 0.3564% | 5,091 |
| Return on assets (ROA) | 0.3564% | 5,111 |
| Pretax return on assets | 0.5581% | 4,911 |
| Return on Equity (ROE) | 2.4792% | 5,231 |
| Retained earnings to average equity (ytd only) | 2.4792% | 4,410 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6724% | 1,147 |
| Assets per employee ($millions) | 6.2025% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7975% | 4,901 |
| Loan loss allowance to noncurrent loans | 444.4976% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,505 |
| Noncurrent loans to loans | 0.1794% | 4,350 |
| Net loans and leases to total assets | 84.6859% | 368 |
| Net loans and leases to deposits | 103.9901% | 499 |
| Net loans and leases to core deposits | 113.7593% | 857 |
| Total domestic deposits to total assets | 81.4365% | 3,934 |
| Equity capital to assets | 13.8748% | 1,028 |
| Core capital (leverage) ratio | 14.2362% | 826 |
| Tier 1 risk-based capital ratio | 20.8447% | 1,225 |
| Total risk-based capital ratio | 21.8680% | 1,231 |
| Memoranda: | ||
| Average total assets | $130,198,000 | 3,782 |
| Average earning assets | $123,619,750 | 3,718 |
| Average equity | $18,715,250 | 3,302 |
| Average total loans | $109,437,750 | 3,216 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,208 |
| Cost of funding earning assets | 0.7885% | 555 |
| Net interest margin | 3.2100% | 4,392 |
| Noninterest income to average assets | 0.0422% | 5,666 |
| Noninterest expense to average assets | 2.5322% | 3,647 |
| Loan and lease loss provision to assets | 0.0890% | 2,203 |
| Net operating income to assets | 0.2951% | 5,237 |
| Return on assets (ROA) | 0.2951% | 5,252 |
| Pretax return on assets | 0.4652% | 5,063 |
| Return on Equity (ROE) | 2.0276% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.0276% | 4,445 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0435% | 1,002 |
| Assets per employee ($millions) | 6.2744% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 4,954 |
| Loan loss allowance to noncurrent loans | 419.6262% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 4,533 |
| Noncurrent loans to loans | 0.1904% | 4,356 |
| Net loans and leases to total assets | 84.6034% | 384 |
| Net loans and leases to deposits | 103.0754% | 549 |
| Net loans and leases to core deposits | 113.1380% | 842 |
| Total domestic deposits to total assets | 82.0792% | 3,861 |
| Equity capital to assets | 14.2453% | 891 |
| Core capital (leverage) ratio | 14.3771% | 770 |
| Tier 1 risk-based capital ratio | 20.7232% | 1,240 |
| Total risk-based capital ratio | 21.7150% | 1,248 |
| Memoranda: | ||
| Average total assets | $128,112,000 | 3,840 |
| Average earning assets | $121,494,670 | 3,778 |
| Average equity | $18,642,670 | 3,312 |
| Average total loans | $107,087,670 | 3,263 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9031% | 3,390 |
| Cost of funding earning assets | 0.7592% | 620 |
| Net interest margin | 3.1439% | 4,518 |
| Noninterest income to average assets | 0.0443% | 5,739 |
| Noninterest expense to average assets | 2.5466% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2977% | 5,196 |
| Return on assets (ROA) | 0.2977% | 5,213 |
| Pretax return on assets | 0.4751% | 5,012 |
| Return on Equity (ROE) | 2.0238% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.0238% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2767% | 948 |
| Assets per employee ($millions) | 6.3942% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 5,033 |
| Loan loss allowance to noncurrent loans | 387.5576% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1697% | 4,572 |
| Noncurrent loans to loans | 0.2095% | 4,363 |
| Net loans and leases to total assets | 80.3391% | 797 |
| Net loans and leases to deposits | 99.3828% | 659 |
| Net loans and leases to core deposits | 107.3373% | 1,012 |
| Total domestic deposits to total assets | 80.8380% | 4,449 |
| Equity capital to assets | 14.5829% | 734 |
| Core capital (leverage) ratio | 15.1392% | 580 |
| Tier 1 risk-based capital ratio | 21.9741% | 1,089 |
| Total risk-based capital ratio | 22.9640% | 1,096 |
| Memoranda: | ||
| Average total assets | $126,286,500 | 3,898 |
| Average earning assets | $119,597,500 | 3,843 |
| Average equity | $18,579,000 | 3,338 |
| Average total loans | $104,444,500 | 3,332 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9477% | 3,393 |
| Cost of funding earning assets | 0.7396% | 663 |
| Net interest margin | 3.2081% | 4,434 |
| Noninterest income to average assets | 0.0393% | 5,796 |
| Noninterest expense to average assets | 2.6606% | 3,488 |
| Loan and lease loss provision to assets | 0.0544% | 3,294 |
| Net operating income to assets | 0.2177% | 5,385 |
| Return on assets (ROA) | 0.2177% | 5,448 |
| Pretax return on assets | 0.3566% | 5,286 |
| Return on Equity (ROE) | 1.3217% | 5,513 |
| Retained earnings to average equity (ytd only) | -6.3037% | 5,714 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6176% | 778 |
| Assets per employee ($millions) | 6.5626% | 1,120 |
| Cash dividends to net income (ytd only)* | 576.9231% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 5,109 |
| Loan loss allowance to noncurrent loans | 266.1392% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.2534% | 4,288 |
| Noncurrent loans to loans | 0.3001% | 4,066 |
| Net loans and leases to total assets | 83.7814% | 404 |
| Net loans and leases to deposits | 101.0603% | 597 |
| Net loans and leases to core deposits | 108.8572% | 970 |
| Total domestic deposits to total assets | 82.9024% | 3,796 |
| Equity capital to assets | 14.8440% | 669 |
| Core capital (leverage) ratio | 15.1598% | 582 |
| Tier 1 risk-based capital ratio | 22.4955% | 1,013 |
| Total risk-based capital ratio | 23.5140% | 1,022 |
| Memoranda: | ||
| Average total assets | $119,447,200 | 4,010 |
| Average earning assets | $112,901,800 | 3,950 |
| Average equity | $19,671,000 | 3,202 |
| Average total loans | $100,402,000 | 3,377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,352 |
| Cost of funding earning assets | 0.7237% | 727 |
| Net interest margin | 3.2412% | 4,372 |
| Noninterest income to average assets | 0.0395% | 5,858 |
| Noninterest expense to average assets | 2.6940% | 3,367 |
| Loan and lease loss provision to assets | 0.0564% | 3,112 |
| Net operating income to assets | 0.2144% | 5,443 |
| Return on assets (ROA) | 0.2144% | 5,504 |
| Pretax return on assets | 0.3521% | 5,374 |
| Return on Equity (ROE) | 1.2691% | 5,611 |
| Retained earnings to average equity (ytd only) | 1.2691% | 5,006 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8316% | 749 |
| Assets per employee ($millions) | 6.1115% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 5,147 |
| Loan loss allowance to noncurrent loans | 257.3209% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 4,392 |
| Noncurrent loans to loans | 0.3171% | 4,116 |
| Net loans and leases to total assets | 82.1450% | 596 |
| Net loans and leases to deposits | 100.0767% | 703 |
| Net loans and leases to core deposits | 106.7139% | 1,130 |
| Total domestic deposits to total assets | 82.0820% | 3,913 |
| Equity capital to assets | 16.4241% | 497 |
| Core capital (leverage) ratio | 16.4942% | 419 |
| Tier 1 risk-based capital ratio | 24.9772% | 815 |
| Total risk-based capital ratio | 26.0085% | 824 |
| Memoranda: | ||
| Average total assets | $118,136,500 | 4,055 |
| Average earning assets | $111,642,500 | 4,002 |
| Average equity | $19,961,500 | 3,197 |
| Average total loans | $99,175,500 | 3,409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,332 |
| Cost of funding earning assets | 0.6962% | 821 |
| Net interest margin | 3.2779% | 4,297 |
| Noninterest income to average assets | 0.0428% | 5,927 |
| Noninterest expense to average assets | 2.6753% | 3,466 |
| Loan and lease loss provision to assets | 0.0548% | 3,054 |
| Net operating income to assets | 0.2518% | 5,426 |
| Return on assets (ROA) | 0.2518% | 5,493 |
| Pretax return on assets | 0.4093% | 5,330 |
| Return on Equity (ROE) | 1.4756% | 5,616 |
| Retained earnings to average equity (ytd only) | 1.4756% | 4,788 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2155% | 950 |
| Assets per employee ($millions) | 5.9864% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 5,229 |
| Loan loss allowance to noncurrent loans | 321.9124% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 4,655 |
| Noncurrent loans to loans | 0.2543% | 4,440 |
| Net loans and leases to total assets | 81.7769% | 651 |
| Net loans and leases to deposits | 100.0041% | 697 |
| Net loans and leases to core deposits | 106.9705% | 1,106 |
| Total domestic deposits to total assets | 81.7735% | 4,067 |
| Equity capital to assets | 16.7281% | 464 |
| Core capital (leverage) ratio | 16.9061% | 376 |
| Tier 1 risk-based capital ratio | 24.9972% | 810 |
| Total risk-based capital ratio | 26.0090% | 822 |
| Memoranda: | ||
| Average total assets | $116,772,330 | 4,111 |
| Average earning assets | $110,315,000 | 4,049 |
| Average equity | $19,923,670 | 3,208 |
| Average total loans | $98,490,330 | 3,432 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,132 |
| Cost of funding earning assets | 0.6793% | 894 |
| Net interest margin | 3.3451% | 4,064 |
| Noninterest income to average assets | 0.0416% | 5,993 |
| Noninterest expense to average assets | 2.7547% | 3,227 |
| Loan and lease loss provision to assets | 0.0833% | 2,290 |
| Net operating income to assets | 0.2220% | 5,487 |
| Return on assets (ROA) | 0.2220% | 5,548 |
| Pretax return on assets | 0.3643% | 5,371 |
| Return on Equity (ROE) | 1.2883% | 5,646 |
| Retained earnings to average equity (ytd only) | 1.2883% | 4,740 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0238% | 973 |
| Assets per employee ($millions) | 5.8866% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 5,335 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 4,676 |
| Noncurrent loans to loans | 0.2629% | 4,496 |
| Net loans and leases to total assets | 83.3172% | 424 |
| Net loans and leases to deposits | 102.1345% | 504 |
| Net loans and leases to core deposits | 106.7111% | 1,034 |
| Total domestic deposits to total assets | 81.5760% | 4,336 |
| Equity capital to assets | 16.9249% | 426 |
| Core capital (leverage) ratio | 16.9581% | 375 |
| Tier 1 risk-based capital ratio | 24.9206% | 824 |
| Total risk-based capital ratio | 25.9247% | 825 |
| Memoranda: | ||
| Average total assets | $115,295,000 | 4,164 |
| Average earning assets | $108,936,000 | 4,106 |
| Average equity | $19,871,500 | 3,215 |
| Average total loans | $98,377,000 | 3,447 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,397 |
| Cost of funding earning assets | 0.5996% | 1,357 |
| Net interest margin | 3.3772% | 4,004 |
| Noninterest income to average assets | 0.0427% | 6,025 |
| Noninterest expense to average assets | 2.8200% | 3,149 |
| Loan and lease loss provision to assets | 0.0872% | 2,552 |
| Net operating income to assets | 0.1769% | 5,630 |
| Return on assets (ROA) | 0.1798% | 5,673 |
| Pretax return on assets | 0.3160% | 5,491 |
| Return on Equity (ROE) | 1.0030% | 5,767 |
| Retained earnings to average equity (ytd only) | 1.0030% | 5,116 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6164% | 859 |
| Assets per employee ($millions) | 5.1299% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,429 |
| Loan loss allowance to noncurrent loans | 297.3180% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 4,672 |
| Noncurrent loans to loans | 0.2667% | 4,487 |
| Net loans and leases to total assets | 86.0258% | 229 |
| Net loans and leases to deposits | 106.4679% | 345 |
| Net loans and leases to core deposits | 110.3600% | 833 |
| Total domestic deposits to total assets | 80.7998% | 4,547 |
| Equity capital to assets | 17.5592% | 354 |
| Core capital (leverage) ratio | 17.4335% | 319 |
| Tier 1 risk-based capital ratio | 24.4412% | 865 |
| Total risk-based capital ratio | 25.3985% | 889 |
| Memoranda: | ||
| Average total assets | $110,143,600 | 4,258 |
| Average earning assets | $103,576,800 | 4,195 |
| Average equity | $19,740,800 | 3,196 |
| Average total loans | $92,191,000 | 3,540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,589 |
| Cost of funding earning assets | 0.5848% | 1,504 |
| Net interest margin | 3.3543% | 4,128 |
| Noninterest income to average assets | 0.0402% | 6,124 |
| Noninterest expense to average assets | 2.8331% | 3,064 |
| Loan and lease loss provision to assets | 0.0780% | 2,622 |
| Net operating income to assets | 0.1593% | 5,755 |
| Return on assets (ROA) | 0.1632% | 5,803 |
| Pretax return on assets | 0.2862% | 5,664 |
| Return on Equity (ROE) | 0.9059% | 5,872 |
| Retained earnings to average equity (ytd only) | 0.9059% | 5,347 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7786% | 775 |
| Assets per employee ($millions) | 5.1842% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7874% | 5,552 |
| Loan loss allowance to noncurrent loans | 278.6517% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 4,826 |
| Noncurrent loans to loans | 0.2826% | 4,568 |
| Net loans and leases to total assets | 82.1934% | 557 |
| Net loans and leases to deposits | 101.4458% | 578 |
| Net loans and leases to core deposits | 105.5842% | 1,132 |
| Total domestic deposits to total assets | 81.0220% | 4,467 |
| Equity capital to assets | 17.3647% | 395 |
| Core capital (leverage) ratio | 17.5857% | 326 |
| Tier 1 risk-based capital ratio | 24.5729% | 892 |
| Total risk-based capital ratio | 25.4999% | 908 |
| Memoranda: | ||
| Average total assets | $109,465,000 | 4,311 |
| Average earning assets | $102,830,750 | 4,263 |
| Average equity | $19,721,750 | 3,232 |
| Average total loans | $90,773,000 | 3,605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9454% | 3,510 |
| Cost of funding earning assets | 0.5766% | 1,597 |
| Net interest margin | 3.3688% | 4,019 |
| Noninterest income to average assets | 0.0408% | 6,199 |
| Noninterest expense to average assets | 2.8554% | 3,045 |
| Loan and lease loss provision to assets | 0.0778% | 2,567 |
| Net operating income to assets | 0.1553% | 5,799 |
| Return on assets (ROA) | 0.1612% | 5,836 |
| Pretax return on assets | 0.2779% | 5,694 |
| Return on Equity (ROE) | 0.8835% | 5,917 |
| Retained earnings to average equity (ytd only) | 0.8835% | 5,212 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1782% | 812 |
| Assets per employee ($millions) | 4.9917% | 2,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 5,652 |
| Loan loss allowance to noncurrent loans | 265.4412% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 4,883 |
| Noncurrent loans to loans | 0.2923% | 4,636 |
| Net loans and leases to total assets | 84.0662% | 370 |
| Net loans and leases to deposits | 104.5279% | 426 |
| Net loans and leases to core deposits | 107.5653% | 986 |
| Total domestic deposits to total assets | 80.4247% | 4,771 |
| Equity capital to assets | 17.9626% | 342 |
| Core capital (leverage) ratio | 18.0998% | 279 |
| Tier 1 risk-based capital ratio | 26.3069% | 752 |
| Total risk-based capital ratio | 27.2715% | 765 |
| Memoranda: | ||
| Average total assets | $107,935,670 | 4,384 |
| Average earning assets | $101,282,330 | 4,340 |
| Average equity | $19,694,000 | 3,245 |
| Average total loans | $89,534,670 | 3,651 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,562 |
| Cost of funding earning assets | 0.5625% | 1,729 |
| Net interest margin | 3.3471% | 4,033 |
| Noninterest income to average assets | 0.0411% | 6,253 |
| Noninterest expense to average assets | 2.9011% | 2,902 |
| Loan and lease loss provision to assets | 0.0561% | 2,812 |
| Net operating income to assets | 0.1148% | 5,846 |
| Return on assets (ROA) | 0.1196% | 5,901 |
| Pretax return on assets | 0.2280% | 5,792 |
| Return on Equity (ROE) | 0.6505% | 5,968 |
| Retained earnings to average equity (ytd only) | 0.6505% | 5,181 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2941% | 759 |
| Assets per employee ($millions) | 5.1632% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 5,750 |
| Loan loss allowance to noncurrent loans | 249.1039% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 4,917 |
| Noncurrent loans to loans | 0.3101% | 4,682 |
| Net loans and leases to total assets | 82.3494% | 424 |
| Net loans and leases to deposits | 102.6629% | 428 |
| Net loans and leases to core deposits | 105.3123% | 985 |
| Total domestic deposits to total assets | 80.2134% | 5,007 |
| Equity capital to assets | 18.1874% | 318 |
| Core capital (leverage) ratio | 18.5322% | 261 |
| Tier 1 risk-based capital ratio | 25.9051% | 795 |
| Total risk-based capital ratio | 26.8215% | 806 |
| Memoranda: | ||
| Average total assets | $106,995,000 | 4,437 |
| Average earning assets | $100,266,500 | 4,394 |
| Average equity | $19,678,000 | 3,268 |
| Average total loans | $87,781,500 | 3,709 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,107 |
| Cost of funding earning assets | 0.5715% | 2,032 |
| Net interest margin | 3.3342% | 4,459 |
| Noninterest income to average assets | 0.0516% | 6,288 |
| Noninterest expense to average assets | 2.9124% | 3,109 |
| Loan and lease loss provision to assets | 0.0373% | 3,833 |
| Net operating income to assets | 0.1184% | 5,925 |
| Return on assets (ROA) | 0.1184% | 5,967 |
| Pretax return on assets | 0.2168% | 5,846 |
| Return on Equity (ROE) | 0.6352% | 6,017 |
| Retained earnings to average equity (ytd only) | 0.6352% | 5,479 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9759% | 703 |
| Assets per employee ($millions) | 4.7983% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 5,787 |
| Loan loss allowance to noncurrent loans | 236.1111% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 4,940 |
| Noncurrent loans to loans | 0.3365% | 4,643 |
| Net loans and leases to total assets | 80.4250% | 684 |
| Net loans and leases to deposits | 100.7787% | 582 |
| Net loans and leases to core deposits | 103.4597% | 1,156 |
| Total domestic deposits to total assets | 79.8035% | 5,066 |
| Equity capital to assets | 18.6012% | 282 |
| Core capital (leverage) ratio | 18.7146% | 260 |
| Tier 1 risk-based capital ratio | 26.8754% | 693 |
| Total risk-based capital ratio | 27.8162% | 700 |
| Memoranda: | ||
| Average total assets | $104,690,600 | 4,486 |
| Average earning assets | $97,804,800 | 4,455 |
| Average equity | $19,520,800 | 3,210 |
| Average total loans | $82,837,200 | 3,799 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 4,181 |
| Cost of funding earning assets | 0.5739% | 2,073 |
| Net interest margin | 3.3245% | 4,523 |
| Noninterest income to average assets | 0.0562% | 6,369 |
| Noninterest expense to average assets | 2.9430% | 2,984 |
| Loan and lease loss provision to assets | 0.0396% | 3,619 |
| Net operating income to assets | 0.0893% | 6,044 |
| Return on assets (ROA) | 0.0893% | 6,066 |
| Pretax return on assets | 0.1787% | 5,975 |
| Return on Equity (ROE) | 0.4788% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.4788% | 5,673 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0965% | 639 |
| Assets per employee ($millions) | 4.9130% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 5,887 |
| Loan loss allowance to noncurrent loans | 276.5432% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 5,270 |
| Noncurrent loans to loans | 0.2873% | 5,050 |
| Net loans and leases to total assets | 81.3244% | 575 |
| Net loans and leases to deposits | 102.6524% | 471 |
| Net loans and leases to core deposits | 105.4614% | 989 |
| Total domestic deposits to total assets | 79.2230% | 5,277 |
| Equity capital to assets | 18.9586% | 271 |
| Core capital (leverage) ratio | 18.8274% | 261 |
| Tier 1 risk-based capital ratio | 27.6034% | 669 |
| Total risk-based capital ratio | 28.5690% | 671 |
| Memoranda: | ||
| Average total assets | $104,472,500 | 4,532 |
| Average earning assets | $97,575,500 | 4,508 |
| Average equity | $19,492,000 | 3,226 |
| Average total loans | $82,151,750 | 3,841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 4,299 |
| Cost of funding earning assets | 0.5777% | 2,094 |
| Net interest margin | 3.2823% | 4,660 |
| Noninterest income to average assets | 0.0591% | 6,416 |
| Noninterest expense to average assets | 2.9588% | 2,971 |
| Loan and lease loss provision to assets | 0.0381% | 3,535 |
| Net operating income to assets | 0.0572% | 6,121 |
| Return on assets (ROA) | 0.0572% | 6,144 |
| Pretax return on assets | 0.1277% | 6,059 |
| Return on Equity (ROE) | 0.3082% | 6,176 |
| Retained earnings to average equity (ytd only) | 0.3082% | 5,600 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6919% | 609 |
| Assets per employee ($millions) | 4.8563% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,989 |
| Loan loss allowance to noncurrent loans | 266.5323% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,367 |
| Noncurrent loans to loans | 0.2979% | 5,124 |
| Net loans and leases to total assets | 80.9880% | 576 |
| Net loans and leases to deposits | 100.6054% | 524 |
| Net loans and leases to core deposits | 103.3381% | 1,060 |
| Total domestic deposits to total assets | 80.5007% | 5,129 |
| Equity capital to assets | 19.1571% | 254 |
| Core capital (leverage) ratio | 18.7197% | 265 |
| Tier 1 risk-based capital ratio | 28.3034% | 625 |
| Total risk-based capital ratio | 29.2777% | 632 |
| Memoranda: | ||
| Average total assets | $104,906,000 | 4,556 |
| Average earning assets | $97,979,330 | 4,528 |
| Average equity | $19,469,330 | 3,226 |
| Average total loans | $81,343,670 | 3,867 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7692% | 4,609 |
| Cost of funding earning assets | 0.5752% | 2,196 |
| Net interest margin | 3.1939% | 4,939 |
| Noninterest income to average assets | 0.0376% | 6,517 |
| Noninterest expense to average assets | 2.9031% | 3,203 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0489% | 6,133 |
| Return on assets (ROA) | 0.0489% | 6,151 |
| Pretax return on assets | 0.1203% | 6,040 |
| Return on Equity (ROE) | 0.2676% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.2676% | 5,468 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0199% | 639 |
| Assets per employee ($millions) | 5.0726% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7944% | 6,113 |
| Loan loss allowance to noncurrent loans | 251.3725% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2394% | 5,477 |
| Noncurrent loans to loans | 0.3160% | 5,157 |
| Net loans and leases to total assets | 75.1429% | 1,108 |
| Net loans and leases to deposits | 92.2008% | 937 |
| Net loans and leases to core deposits | 94.5600% | 1,503 |
| Total domestic deposits to total assets | 81.4992% | 5,093 |
| Equity capital to assets | 18.2812% | 306 |
| Core capital (leverage) ratio | 18.3543% | 289 |
| Tier 1 risk-based capital ratio | 29.4123% | 550 |
| Total risk-based capital ratio | 30.3943% | 555 |
| Memoranda: | ||
| Average total assets | $106,367,500 | 4,577 |
| Average earning assets | $99,438,000 | 4,527 |
| Average equity | $19,435,500 | 3,233 |
| Average total loans | $80,388,000 | 3,921 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9480% | 4,292 |
| Cost of funding earning assets | 0.6732% | 2,016 |
| Net interest margin | 3.2748% | 4,757 |
| Noninterest income to average assets | 0.0549% | 6,533 |
| Noninterest expense to average assets | 2.9351% | 3,257 |
| Loan and lease loss provision to assets | 0.0123% | 4,878 |
| Net operating income to assets | 0.1127% | 6,015 |
| Return on assets (ROA) | 0.1127% | 6,076 |
| Pretax return on assets | 0.1704% | 5,989 |
| Return on Equity (ROE) | 0.6129% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.6129% | 5,560 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1391% | 738 |
| Assets per employee ($millions) | 5.3105% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 6,177 |
| Loan loss allowance to noncurrent loans | 247.4903% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2439% | 5,537 |
| Noncurrent loans to loans | 0.3234% | 5,213 |
| Net loans and leases to total assets | 74.8027% | 1,243 |
| Net loans and leases to deposits | 91.7138% | 1,087 |
| Net loans and leases to core deposits | 94.5810% | 1,557 |
| Total domestic deposits to total assets | 81.5611% | 5,019 |
| Equity capital to assets | 18.2629% | 302 |
| Core capital (leverage) ratio | 17.8511% | 305 |
| Tier 1 risk-based capital ratio | 30.5918% | 481 |
| Total risk-based capital ratio | 31.6145% | 482 |
| Memoranda: | ||
| Average total assets | $105,618,000 | 4,603 |
| Average earning assets | $98,785,400 | 4,541 |
| Average equity | $19,416,600 | 3,227 |
| Average total loans | $83,727,800 | 3,834 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,113 |
| Cost of funding earning assets | 0.6904% | 2,013 |
| Net interest margin | 3.3143% | 4,586 |
| Noninterest income to average assets | 0.0556% | 6,618 |
| Noninterest expense to average assets | 2.9973% | 3,005 |
| Loan and lease loss provision to assets | 0.0164% | 4,685 |
| Net operating income to assets | 0.0834% | 6,167 |
| Return on assets (ROA) | 0.0834% | 6,219 |
| Pretax return on assets | 0.1429% | 6,152 |
| Return on Equity (ROE) | 0.4531% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.4531% | 5,785 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9539% | 680 |
| Assets per employee ($millions) | 5.1863% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,268 |
| Loan loss allowance to noncurrent loans | 354.1436% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 5,940 |
| Noncurrent loans to loans | 0.2281% | 5,661 |
| Net loans and leases to total assets | 72.2721% | 1,558 |
| Net loans and leases to deposits | 88.1682% | 1,349 |
| Net loans and leases to core deposits | 91.9652% | 1,768 |
| Total domestic deposits to total assets | 81.9708% | 4,942 |
| Equity capital to assets | 17.8254% | 338 |
| Core capital (leverage) ratio | 17.8062% | 318 |
| Tier 1 risk-based capital ratio | 31.4309% | 459 |
| Total risk-based capital ratio | 32.4816% | 458 |
| Memoranda: | ||
| Average total assets | $105,470,000 | 4,654 |
| Average earning assets | $98,679,750 | 4,597 |
| Average equity | $19,421,500 | 3,253 |
| Average total loans | $84,637,500 | 3,845 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,551 |
| Cost of funding earning assets | 0.7148% | 1,963 |
| Net interest margin | 3.4327% | 4,065 |
| Noninterest income to average assets | 0.0518% | 6,665 |
| Noninterest expense to average assets | 3.0521% | 2,829 |
| Loan and lease loss provision to assets | 0.0249% | 4,424 |
| Net operating income to assets | 0.1093% | 6,113 |
| Return on assets (ROA) | 0.1093% | 6,203 |
| Pretax return on assets | 0.1879% | 6,101 |
| Return on Equity (ROE) | 0.5869% | 6,291 |
| Retained earnings to average equity (ytd only) | 0.5869% | 5,665 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4821% | 786 |
| Assets per employee ($millions) | 4.8745% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 6,405 |
| Loan loss allowance to noncurrent loans | 108.0944% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 4,879 |
| Noncurrent loans to loans | 0.7161% | 4,495 |
| Net loans and leases to total assets | 76.6160% | 911 |
| Net loans and leases to deposits | 93.7837% | 821 |
| Net loans and leases to core deposits | 95.0301% | 1,440 |
| Total domestic deposits to total assets | 81.6943% | 5,145 |
| Equity capital to assets | 18.1080% | 321 |
| Core capital (leverage) ratio | 18.3667% | 262 |
| Tier 1 risk-based capital ratio | 29.8457% | 528 |
| Total risk-based capital ratio | 30.8428% | 536 |
| Memoranda: | ||
| Average total assets | $104,322,670 | 4,719 |
| Average earning assets | $97,649,330 | 4,655 |
| Average equity | $19,424,000 | 3,273 |
| Average total loans | $86,398,670 | 3,809 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 3,034 |
| Cost of funding earning assets | 0.7354% | 1,957 |
| Net interest margin | 3.5314% | 3,563 |
| Noninterest income to average assets | 0.0311% | 6,790 |
| Noninterest expense to average assets | 3.0642% | 2,797 |
| Loan and lease loss provision to assets | 0.0506% | 3,776 |
| Net operating income to assets | 0.1322% | 6,088 |
| Return on assets (ROA) | 0.1322% | 6,180 |
| Pretax return on assets | 0.2217% | 6,036 |
| Return on Equity (ROE) | 0.7001% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.7001% | 5,545 |
| Net charge-offs to loans | 0.0499% | 3,330 |
| Credit loss provision to net charge-offs | 118.1818% | 1,617 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 2,229 |
| Efficiency ratio | 91.8415% | 998 |
| Assets per employee ($millions) | 4.7241% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7157% | 6,572 |
| Loan loss allowance to noncurrent loans | 80.2548% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.8371% | 4,289 |
| Noncurrent loans to loans | 0.8918% | 4,354 |
| Net loans and leases to total assets | 84.0883% | 187 |
| Net loans and leases to deposits | 103.7687% | 236 |
| Net loans and leases to core deposits | 106.1870% | 633 |
| Total domestic deposits to total assets | 81.0344% | 5,485 |
| Equity capital to assets | 18.7049% | 289 |
| Core capital (leverage) ratio | 18.7433% | 250 |
| Tier 1 risk-based capital ratio | 28.2059% | 630 |
| Total risk-based capital ratio | 29.1328% | 633 |
| Memoranda: | ||
| Average total assets | $102,864,000 | 4,794 |
| Average earning assets | $96,278,000 | 4,732 |
| Average equity | $19,426,500 | 3,324 |
| Average total loans | $88,196,000 | 3,783 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6947% | 2,620 |
| Cost of funding earning assets | 0.7941% | 2,713 |
| Net interest margin | 3.9006% | 2,826 |
| Noninterest income to average assets | 0.0494% | 6,693 |
| Noninterest expense to average assets | 3.0869% | 2,968 |
| Loan and lease loss provision to assets | 0.1317% | 3,974 |
| Net operating income to assets | 0.2449% | 5,646 |
| Return on assets (ROA) | 0.2449% | 5,847 |
| Pretax return on assets | 0.4497% | 5,425 |
| Return on Equity (ROE) | 1.2334% | 6,077 |
| Retained earnings to average equity (ytd only) | 1.2334% | 5,256 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1515% | 1,612 |
| Assets per employee ($millions) | 4.8475% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 6,623 |
| Loan loss allowance to noncurrent loans | 87.8322% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.7024% | 4,729 |
| Noncurrent loans to loans | 0.8091% | 4,567 |
| Net loans and leases to total assets | 86.1913% | 120 |
| Net loans and leases to deposits | 106.7967% | 208 |
| Net loans and leases to core deposits | 109.6845% | 550 |
| Total domestic deposits to total assets | 80.7059% | 5,484 |
| Equity capital to assets | 19.0701% | 267 |
| Core capital (leverage) ratio | 18.6525% | 247 |
| Tier 1 risk-based capital ratio | 28.0748% | 625 |
| Total risk-based capital ratio | 28.9944% | 630 |
| Memoranda: | ||
| Average total assets | $97,184,400 | 4,906 |
| Average earning assets | $90,166,000 | 4,868 |
| Average equity | $19,295,600 | 3,290 |
| Average total loans | $83,251,000 | 3,929 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7344% | 2,646 |
| Cost of funding earning assets | 0.7981% | 2,962 |
| Net interest margin | 3.9363% | 2,774 |
| Noninterest income to average assets | 0.0500% | 6,806 |
| Noninterest expense to average assets | 3.1461% | 2,732 |
| Loan and lease loss provision to assets | 0.1333% | 3,875 |
| Net operating income to assets | 0.2208% | 5,864 |
| Return on assets (ROA) | 0.2208% | 6,039 |
| Pretax return on assets | 0.4137% | 5,685 |
| Return on Equity (ROE) | 1.1003% | 6,231 |
| Retained earnings to average equity (ytd only) | 1.1003% | 5,728 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1880% | 1,461 |
| Assets per employee ($millions) | 4.8719% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6825% | 6,770 |
| Loan loss allowance to noncurrent loans | 81.8681% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.7116% | 4,907 |
| Noncurrent loans to loans | 0.8337% | 4,748 |
| Net loans and leases to total assets | 84.7708% | 189 |
| Net loans and leases to deposits | 104.9569% | 262 |
| Net loans and leases to core deposits | 107.4323% | 676 |
| Total domestic deposits to total assets | 80.7673% | 5,431 |
| Equity capital to assets | 18.9053% | 304 |
| Core capital (leverage) ratio | 18.7767% | 259 |
| Tier 1 risk-based capital ratio | 28.3971% | 618 |
| Total risk-based capital ratio | 29.2850% | 641 |
| Memoranda: | ||
| Average total assets | $96,031,000 | 4,987 |
| Average earning assets | $88,879,250 | 4,942 |
| Average equity | $19,266,250 | 3,325 |
| Average total loans | $81,971,500 | 4,024 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8063% | 2,483 |
| Cost of funding earning assets | 0.8076% | 3,132 |
| Net interest margin | 3.9987% | 2,509 |
| Noninterest income to average assets | 0.0383% | 6,897 |
| Noninterest expense to average assets | 3.1893% | 2,626 |
| Loan and lease loss provision to assets | 0.1363% | 3,815 |
| Net operating income to assets | 0.2214% | 5,852 |
| Return on assets (ROA) | 0.2214% | 6,039 |
| Pretax return on assets | 0.4024% | 5,704 |
| Return on Equity (ROE) | 1.0810% | 6,285 |
| Retained earnings to average equity (ytd only) | 1.0810% | 5,642 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5511% | 1,476 |
| Assets per employee ($millions) | 4.8186% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 6,860 |
| Loan loss allowance to noncurrent loans | 103.1079% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 5,117 |
| Noncurrent loans to loans | 0.6490% | 5,212 |
| Net loans and leases to total assets | 82.7366% | 286 |
| Net loans and leases to deposits | 102.5691% | 318 |
| Net loans and leases to core deposits | 105.0108% | 792 |
| Total domestic deposits to total assets | 80.6643% | 5,568 |
| Equity capital to assets | 19.0600% | 274 |
| Core capital (leverage) ratio | 20.2343% | 194 |
| Tier 1 risk-based capital ratio | 29.3391% | 553 |
| Total risk-based capital ratio | 30.2118% | 560 |
| Memoranda: | ||
| Average total assets | $93,938,000 | 5,070 |
| Average earning assets | $86,678,000 | 5,031 |
| Average equity | $19,241,000 | 3,318 |
| Average total loans | $80,187,000 | 4,102 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0063% | 1,864 |
| Cost of funding earning assets | 0.8392% | 3,159 |
| Net interest margin | 4.1671% | 1,861 |
| Noninterest income to average assets | 0.0354% | 6,986 |
| Noninterest expense to average assets | 3.2731% | 2,376 |
| Loan and lease loss provision to assets | 0.1417% | 3,585 |
| Net operating income to assets | 0.2613% | 5,776 |
| Return on assets (ROA) | 0.2613% | 5,940 |
| Pretax return on assets | 0.4473% | 5,590 |
| Return on Equity (ROE) | 1.2280% | 6,302 |
| Retained earnings to average equity (ytd only) | 1.2280% | 5,601 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7477% | 1,606 |
| Assets per employee ($millions) | 4.3895% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6751% | 6,907 |
| Loan loss allowance to noncurrent loans | 95.1699% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7431% | 5,064 |
| Noncurrent loans to loans | 0.7094% | 5,246 |
| Net loans and leases to total assets | 84.9065% | 156 |
| Net loans and leases to deposits | 107.6606% | 174 |
| Net loans and leases to core deposits | 113.0162% | 446 |
| Total domestic deposits to total assets | 78.8650% | 6,105 |
| Equity capital to assets | 20.8779% | 191 |
| Core capital (leverage) ratio | 21.0705% | 158 |
| Tier 1 risk-based capital ratio | 29.9532% | 524 |
| Total risk-based capital ratio | 30.7969% | 533 |
| Memoranda: | ||
| Average total assets | $90,311,500 | 5,196 |
| Average earning assets | $82,936,000 | 5,176 |
| Average equity | $19,218,000 | 3,321 |
| Average total loans | $78,137,500 | 4,177 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1355% | 2,308 |
| Cost of funding earning assets | 0.9419% | 3,774 |
| Net interest margin | 4.1936% | 2,084 |
| Noninterest income to average assets | 0.0025% | 6,975 |
| Noninterest expense to average assets | 3.2990% | 2,525 |
| Loan and lease loss provision to assets | 0.1742% | 4,458 |
| Net operating income to assets | 0.1938% | 5,607 |
| Return on assets (ROA) | 0.1938% | 5,735 |
| Pretax return on assets | 0.3472% | 5,434 |
| Return on Equity (ROE) | 0.8270% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.8270% | 5,476 |
| Net charge-offs to loans | 0.0523% | 5,793 |
| Credit loss provision to net charge-offs | 394.4444% | 590 |
| Earnings coverage of net charge-offs (x) | 11.8056% | 1,681 |
| Efficiency ratio | 86.3520% | 1,513 |
| Assets per employee ($millions) | 4.4222% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 6,968 |
| Loan loss allowance to noncurrent loans | 87.8735% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 5,064 |
| Noncurrent loans to loans | 0.7344% | 5,227 |
| Net loans and leases to total assets | 87.0347% | 105 |
| Net loans and leases to deposits | 111.4091% | 153 |
| Net loans and leases to core deposits | 117.2429% | 413 |
| Total domestic deposits to total assets | 78.1217% | 6,169 |
| Equity capital to assets | 21.6985% | 164 |
| Core capital (leverage) ratio | 21.9006% | 142 |
| Tier 1 risk-based capital ratio | 29.5694% | 537 |
| Total risk-based capital ratio | 30.3563% | 551 |
| Memoranda: | ||
| Average total assets | $81,508,400 | 5,420 |
| Average earning assets | $74,208,600 | 5,395 |
| Average equity | $19,104,600 | 3,266 |
| Average total loans | $68,846,000 | 4,536 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1447% | 2,408 |
| Cost of funding earning assets | 0.9638% | 3,939 |
| Net interest margin | 4.1809% | 2,175 |
| Noninterest income to average assets | -0.0050% | 7,124 |
| Noninterest expense to average assets | 3.3276% | 2,411 |
| Loan and lease loss provision to assets | 0.1120% | 5,028 |
| Net operating income to assets | 0.1487% | 5,840 |
| Return on assets (ROA) | 0.1487% | 5,958 |
| Pretax return on assets | 0.3543% | 5,589 |
| Return on Equity (ROE) | 0.6218% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.6218% | 5,769 |
| Net charge-offs to loans | 0.0720% | 5,238 |
| Credit loss provision to net charge-offs | 186.1111% | 1,576 |
| Earnings coverage of net charge-offs (x) | 7.7498% | 2,304 |
| Efficiency ratio | 87.7093% | 1,372 |
| Assets per employee ($millions) | 4.4746% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 7,113 |
| Loan loss allowance to noncurrent loans | 72.5256% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 4,943 |
| Noncurrent loans to loans | 0.7926% | 5,292 |
| Net loans and leases to total assets | 86.4617% | 121 |
| Net loans and leases to deposits | 111.8775% | 159 |
| Net loans and leases to core deposits | 118.4944% | 430 |
| Total domestic deposits to total assets | 77.2825% | 6,334 |
| Equity capital to assets | 22.4870% | 154 |
| Core capital (leverage) ratio | 22.2884% | 146 |
| Tier 1 risk-based capital ratio | 31.9839% | 453 |
| Total risk-based capital ratio | 32.7102% | 466 |
| Memoranda: | ||
| Average total assets | $79,774,500 | 5,512 |
| Average earning assets | $72,487,250 | 5,498 |
| Average equity | $19,083,000 | 3,273 |
| Average total loans | $66,688,250 | 4,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0632% | 2,864 |
| Cost of funding earning assets | 0.9833% | 4,062 |
| Net interest margin | 4.0800% | 2,488 |
| Noninterest income to average assets | 0.0410% | 7,078 |
| Noninterest expense to average assets | 3.4219% | 2,201 |
| Loan and lease loss provision to assets | 0.0974% | 5,107 |
| Net operating income to assets | 0.1153% | 5,976 |
| Return on assets (ROA) | 0.1153% | 6,064 |
| Pretax return on assets | 0.2230% | 5,880 |
| Return on Equity (ROE) | 0.4719% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.4719% | 5,660 |
| Net charge-offs to loans | 0.0809% | 4,833 |
| Credit loss provision to net charge-offs | 146.1538% | 2,092 |
| Earnings coverage of net charge-offs (x) | 4.8077% | 2,772 |
| Efficiency ratio | 91.4384% | 1,135 |
| Assets per employee ($millions) | 4.2030% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 7,134 |
| Loan loss allowance to noncurrent loans | 45.6180% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1896% | 4,514 |
| Noncurrent loans to loans | 1.3240% | 4,439 |
| Net loans and leases to total assets | 83.6696% | 262 |
| Net loans and leases to deposits | 110.2774% | 174 |
| Net loans and leases to core deposits | 117.3652% | 493 |
| Total domestic deposits to total assets | 75.8719% | 6,615 |
| Equity capital to assets | 23.8952% | 137 |
| Core capital (leverage) ratio | 23.8710% | 129 |
| Tier 1 risk-based capital ratio | 34.2449% | 378 |
| Total risk-based capital ratio | 34.9908% | 383 |
| Memoranda: | ||
| Average total assets | $78,026,670 | 5,594 |
| Average earning assets | $70,784,670 | 5,607 |
| Average equity | $19,071,330 | 3,258 |
| Average total loans | $64,273,330 | 4,780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1100% | 2,599 |
| Cost of funding earning assets | 0.9957% | 4,232 |
| Net interest margin | 4.1143% | 2,215 |
| Noninterest income to average assets | 0.0726% | 7,028 |
| Noninterest expense to average assets | 3.4184% | 2,228 |
| Loan and lease loss provision to assets | 0.0778% | 5,027 |
| Net operating income to assets | 0.1712% | 5,882 |
| Return on assets (ROA) | 0.1712% | 5,928 |
| Pretax return on assets | 0.3061% | 5,637 |
| Return on Equity (ROE) | 0.6923% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.6923% | 5,547 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9045% | 1,338 |
| Assets per employee ($millions) | 4.0529% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6470% | 7,148 |
| Loan loss allowance to noncurrent loans | 41.6922% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 4,407 |
| Noncurrent loans to loans | 1.5518% | 4,139 |
| Net loans and leases to total assets | 81.5625% | 381 |
| Net loans and leases to deposits | 108.7453% | 199 |
| Net loans and leases to core deposits | 116.0811% | 530 |
| Total domestic deposits to total assets | 75.0032% | 6,792 |
| Equity capital to assets | 24.7708% | 123 |
| Core capital (leverage) ratio | 24.5094% | 115 |
| Tier 1 risk-based capital ratio | 36.2518% | 322 |
| Total risk-based capital ratio | 37.0503% | 323 |
| Memoranda: | ||
| Average total assets | $77,111,500 | 5,663 |
| Average earning assets | $69,902,000 | 5,678 |
| Average equity | $19,066,000 | 3,248 |
| Average total loans | $62,799,000 | 4,876 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 3,905 |
| Cost of funding earning assets | 1.0427% | 5,468 |
| Net interest margin | 4.0981% | 2,568 |
| Noninterest income to average assets | 0.0467% | 7,124 |
| Noninterest expense to average assets | 3.5944% | 1,940 |
| Loan and lease loss provision to assets | 0.0906% | 6,235 |
| Net operating income to assets | -0.0127% | 5,859 |
| Return on assets (ROA) | -0.0127% | 5,975 |
| Pretax return on assets | 0.0283% | 5,841 |
| Return on Equity (ROE) | -0.0471% | 5,968 |
| Retained earnings to average equity (ytd only) | -0.0471% | 5,602 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7976% | 934 |
| Assets per employee ($millions) | 4.0641% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6316% | 7,227 |
| Loan loss allowance to noncurrent loans | 34.6221% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 4,110 |
| Noncurrent loans to loans | 1.8243% | 3,785 |
| Net loans and leases to total assets | 80.2764% | 631 |
| Net loans and leases to deposits | 106.8631% | 295 |
| Net loans and leases to core deposits | 114.0263% | 728 |
| Total domestic deposits to total assets | 75.1208% | 6,753 |
| Equity capital to assets | 24.6798% | 128 |
| Core capital (leverage) ratio | 25.6131% | 115 |
| Tier 1 risk-based capital ratio | 35.9678% | 323 |
| Total risk-based capital ratio | 36.7330% | 325 |
| Memoranda: | ||
| Average total assets | $70,638,400 | 5,864 |
| Average earning assets | $63,200,400 | 5,885 |
| Average equity | $19,095,200 | 3,269 |
| Average total loans | $54,092,200 | 5,312 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2165% | 3,755 |
| Cost of funding earning assets | 1.0511% | 5,695 |
| Net interest margin | 4.1654% | 2,347 |
| Noninterest income to average assets | 0.0348% | 7,347 |
| Noninterest expense to average assets | 3.6659% | 1,638 |
| Loan and lease loss provision to assets | 0.0734% | 6,323 |
| Net operating income to assets | -0.0193% | 6,028 |
| Return on assets (ROA) | -0.0193% | 6,154 |
| Pretax return on assets | 0.0019% | 6,082 |
| Return on Equity (ROE) | -0.0698% | 6,143 |
| Retained earnings to average equity (ytd only) | -0.0698% | 5,803 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9855% | 818 |
| Assets per employee ($millions) | 3.7905% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 7,301 |
| Loan loss allowance to noncurrent loans | 73.4531% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 5,724 |
| Noncurrent loans to loans | 0.8657% | 5,492 |
| Net loans and leases to total assets | 79.8498% | 777 |
| Net loans and leases to deposits | 109.0015% | 278 |
| Net loans and leases to core deposits | 116.1875% | 738 |
| Total domestic deposits to total assets | 73.2557% | 7,009 |
| Equity capital to assets | 26.5041% | 119 |
| Core capital (leverage) ratio | 25.8676% | 115 |
| Tier 1 risk-based capital ratio | 38.4724% | 279 |
| Total risk-based capital ratio | 39.2370% | 280 |
| Memoranda: | ||
| Average total assets | $68,993,750 | 5,972 |
| Average earning assets | $61,393,250 | 6,010 |
| Average equity | $19,104,750 | 3,302 |
| Average total loans | $52,020,000 | 5,479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1389% | 4,254 |
| Cost of funding earning assets | 1.0119% | 6,088 |
| Net interest margin | 4.1270% | 2,443 |
| Noninterest income to average assets | 0.0353% | 7,409 |
| Noninterest expense to average assets | 3.6331% | 1,698 |
| Loan and lease loss provision to assets | 0.0294% | 6,652 |
| Net operating income to assets | 0.0118% | 6,067 |
| Return on assets (ROA) | 0.0118% | 6,169 |
| Pretax return on assets | 0.0441% | 6,085 |
| Return on Equity (ROE) | 0.0419% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.0419% | 5,719 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0159% | 879 |
| Assets per employee ($millions) | 3.9885% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6061% | 7,406 |
| Loan loss allowance to noncurrent loans | 129.2776% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,519 |
| Noncurrent loans to loans | 0.4688% | 6,313 |
| Net loans and leases to total assets | 77.6636% | 1,171 |
| Net loans and leases to deposits | 106.1230% | 389 |
| Net loans and leases to core deposits | 113.1318% | 971 |
| Total domestic deposits to total assets | 73.1826% | 7,073 |
| Equity capital to assets | 26.6140% | 118 |
| Core capital (leverage) ratio | 27.0793% | 104 |
| Tier 1 risk-based capital ratio | 39.9242% | 248 |
| Total risk-based capital ratio | 40.6566% | 252 |
| Memoranda: | ||
| Average total assets | $67,985,330 | 6,038 |
| Average earning assets | $60,479,670 | 6,083 |
| Average equity | $19,110,330 | 3,291 |
| Average total loans | $50,068,330 | 5,603 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 4,955 |
| Cost of funding earning assets | 1.0164% | 6,296 |
| Net interest margin | 3.9973% | 2,883 |
| Noninterest income to average assets | 0.0363% | 7,526 |
| Noninterest expense to average assets | 3.5895% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0061% | 6,305 |
| Return on assets (ROA) | -0.0061% | 6,406 |
| Pretax return on assets | -0.0061% | 6,366 |
| Return on Equity (ROE) | -0.0209% | 6,409 |
| Retained earnings to average equity (ytd only) | -0.0209% | 5,829 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1689% | 833 |
| Assets per employee ($millions) | 3.4558% | 5,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 7,383 |
| Loan loss allowance to noncurrent loans | 126.4368% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3975% | 6,479 |
| Noncurrent loans to loans | 0.5353% | 6,222 |
| Net loans and leases to total assets | 73.7618% | 2,023 |
| Net loans and leases to deposits | 104.2131% | 517 |
| Net loans and leases to core deposits | 104.7767% | 1,677 |
| Total domestic deposits to total assets | 70.7798% | 7,356 |
| Equity capital to assets | 29.0969% | 91 |
| Core capital (leverage) ratio | 28.4326% | 98 |
| Tier 1 risk-based capital ratio | 48.2075% | 167 |
| Total risk-based capital ratio | 49.0667% | 168 |
| Memoranda: | ||
| Average total assets | $66,081,500 | 6,169 |
| Average earning assets | $58,639,500 | 6,220 |
| Average equity | $19,112,000 | 3,311 |
| Average total loans | $47,054,000 | 5,799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8684% | 6,786 |
| Cost of funding earning assets | 1.1584% | 6,798 |
| Net interest margin | 3.7100% | 4,093 |
| Noninterest income to average assets | 0.0866% | 7,327 |
| Noninterest expense to average assets | 3.9917% | 1,374 |
| Loan and lease loss provision to assets | 0.1298% | 6,338 |
| Net operating income to assets | -0.5273% | 6,217 |
| Return on assets (ROA) | -0.4361% | 6,114 |
| Pretax return on assets | -0.6608% | 6,148 |
| Return on Equity (ROE) | -1.4382% | 5,763 |
| Retained earnings to average equity (ytd only) | -1.4382% | 5,380 |
| Net charge-offs to loans | 0.0560% | 6,540 |
| Credit loss provision to net charge-offs | 371.4286% | 860 |
| Earnings coverage of net charge-offs (x) | -19.1429% | 7,190 |
| Efficiency ratio | 120.1403% | 606 |
| Assets per employee ($millions) | 3.5002% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7277% | 7,313 |
| Loan loss allowance to noncurrent loans | 104.7619% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 6,270 |
| Noncurrent loans to loans | 0.6947% | 5,847 |
| Net loans and leases to total assets | 67.6902% | 3,774 |
| Net loans and leases to deposits | 95.1270% | 1,443 |
| Net loans and leases to core deposits | 111.9523% | 2,702 |
| Total domestic deposits to total assets | 71.1577% | 7,322 |
| Equity capital to assets | 28.7491% | 112 |
| Core capital (leverage) ratio | 29.3675% | 106 |
| Tier 1 risk-based capital ratio | 50.4123% | 161 |
| Total risk-based capital ratio | 51.3103% | 162 |
| Memoranda: | ||
| Average total assets | $60,074,800 | 6,347 |
| Average earning assets | $52,399,000 | 6,439 |
| Average equity | $18,217,400 | 3,474 |
| Average total loans | $37,475,000 | 6,225 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 6,711 |
| Cost of funding earning assets | 1.2004% | 6,885 |
| Net interest margin | 3.7666% | 3,793 |
| Noninterest income to average assets | 0.0342% | 7,713 |
| Noninterest expense to average assets | 4.0751% | 1,181 |
| Loan and lease loss provision to assets | 0.1095% | 6,276 |
| Net operating income to assets | -0.5810% | 6,511 |
| Return on assets (ROA) | -0.4561% | 6,386 |
| Pretax return on assets | -0.6910% | 6,475 |
| Return on Equity (ROE) | -1.4821% | 6,018 |
| Retained earnings to average equity (ytd only) | -1.4821% | 5,606 |
| Net charge-offs to loans | 0.0789% | 5,889 |
| Credit loss provision to net charge-offs | 228.5714% | 1,906 |
| Earnings coverage of net charge-offs (x) | -16.0950% | 6,931 |
| Efficiency ratio | 123.3264% | 546 |
| Assets per employee ($millions) | 3.0344% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 7,262 |
| Loan loss allowance to noncurrent loans | 191.0828% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5833% | 5,994 |
| Noncurrent loans to loans | 0.3925% | 6,556 |
| Net loans and leases to total assets | 65.4083% | 4,557 |
| Net loans and leases to deposits | 95.8492% | 1,596 |
| Net loans and leases to core deposits | 111.4872% | 3,072 |
| Total domestic deposits to total assets | 68.2408% | 7,552 |
| Equity capital to assets | 31.6405% | 98 |
| Core capital (leverage) ratio | 31.8059% | 111 |
| Tier 1 risk-based capital ratio | 57.9273% | 126 |
| Total risk-based capital ratio | 58.8601% | 125 |
| Memoranda: | ||
| Average total assets | $58,467,750 | 6,447 |
| Average earning assets | $50,761,250 | 6,547 |
| Average equity | $17,992,000 | 3,543 |
| Average total loans | $35,507,250 | 6,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 6,947 |
| Cost of funding earning assets | 1.2585% | 6,931 |
| Net interest margin | 3.6798% | 4,041 |
| Noninterest income to average assets | 0.0381% | 7,799 |
| Noninterest expense to average assets | 4.0154% | 1,294 |
| Loan and lease loss provision to assets | 0.0520% | 6,710 |
| Net operating income to assets | -0.5543% | 6,604 |
| Return on assets (ROA) | -0.5543% | 6,611 |
| Pretax return on assets | -0.8384% | 6,706 |
| Return on Equity (ROE) | -1.8194% | 6,195 |
| Retained earnings to average equity (ytd only) | -1.8194% | 5,697 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3562% | 599 |
| Assets per employee ($millions) | 2.7503% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 7,164 |
| Loan loss allowance to noncurrent loans | 56.2500% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 4,968 |
| Noncurrent loans to loans | 1.4164% | 4,378 |
| Net loans and leases to total assets | 62.0894% | 5,347 |
| Net loans and leases to deposits | 93.4391% | 2,183 |
| Net loans and leases to core deposits | 102.4044% | 4,243 |
| Total domestic deposits to total assets | 66.4491% | 7,712 |
| Equity capital to assets | 33.3570% | 115 |
| Core capital (leverage) ratio | 32.9162% | 122 |
| Tier 1 risk-based capital ratio | 62.8748% | 125 |
| Total risk-based capital ratio | 63.8429% | 125 |
| Memoranda: | ||
| Average total assets | $57,727,670 | 6,528 |
| Average earning assets | $50,057,670 | 6,629 |
| Average equity | $17,588,670 | 3,600 |
| Average total loans | $34,011,330 | 6,499 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 7,306 |
| Cost of funding earning assets | 1.3658% | 6,831 |
| Net interest margin | 3.4743% | 4,831 |
| Noninterest income to average assets | 0.0347% | 7,903 |
| Noninterest expense to average assets | 3.9644% | 1,225 |
| Loan and lease loss provision to assets | 0.1040% | 5,638 |
| Net operating income to assets | -0.6792% | 7,034 |
| Return on assets (ROA) | -0.6792% | 7,072 |
| Pretax return on assets | -1.0188% | 7,160 |
| Return on Equity (ROE) | -2.3403% | 6,705 |
| Retained earnings to average equity (ytd only) | -2.3403% | 6,164 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.0000% | 502 |
| Assets per employee ($millions) | 2.7242% | 6,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 6,898 |
| Loan loss allowance to noncurrent loans | 38.4000% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 1.3984% | 3,850 |
| Noncurrent loans to loans | 2.2499% | 2,931 |
| Net loans and leases to total assets | 57.7654% | 5,979 |
| Net loans and leases to deposits | 87.4745% | 3,388 |
| Net loans and leases to core deposits | 95.2995% | 5,034 |
| Total domestic deposits to total assets | 66.0368% | 7,730 |
| Equity capital to assets | 33.7814% | 116 |
| Core capital (leverage) ratio | 32.9377% | 129 |
| Tier 1 risk-based capital ratio | 67.3961% | 118 |
| Total risk-based capital ratio | 68.4292% | 118 |
| Memoranda: | ||
| Average total assets | $57,713,000 | 6,550 |
| Average earning assets | $50,082,000 | 6,658 |
| Average equity | $16,750,000 | 3,783 |
| Average total loans | $32,942,500 | 6,596 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3987% | 7,459 |
| Cost of funding earning assets | 2.1734% | 5,713 |
| Net interest margin | 3.2253% | 6,288 |
| Noninterest income to average assets | 0.0502% | 7,890 |
| Noninterest expense to average assets | 4.1961% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.8990% | 7,185 |
| Return on assets (ROA) | -0.8990% | 7,107 |
| Pretax return on assets | -1.3659% | 7,194 |
| Return on Equity (ROE) | -3.2802% | 6,653 |
| Retained earnings to average equity (ytd only) | -3.2802% | 6,169 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.2618% | 359 |
| Assets per employee ($millions) | 2.9109% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 6,942 |
| Loan loss allowance to noncurrent loans | 182.0000% | 2,115 |
| Noncurrent assets plus other real estate owned to assets | 0.2577% | 6,549 |
| Noncurrent loans to loans | 0.4608% | 5,965 |
| Net loans and leases to total assets | 55.4426% | 6,492 |
| Net loans and leases to deposits | 74.1012% | 5,831 |
| Net loans and leases to core deposits | 80.5093% | 6,577 |
| Total domestic deposits to total assets | 74.8201% | 6,493 |
| Equity capital to assets | 24.3468% | 280 |
| Core capital (leverage) ratio | 26.8289% | 225 |
| Tier 1 risk-based capital ratio | 47.9764% | 236 |
| Total risk-based capital ratio | 48.9305% | 237 |
| Memoranda: | ||
| Average total assets | $51,834,400 | 6,701 |
| Average earning assets | $44,677,400 | 6,832 |
| Average equity | $14,206,600 | 4,290 |
| Average total loans | $30,278,400 | 6,691 |