Home > Home Savings Bank > Performance and Condition Ratios
Home Savings Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 3,218 |
| Cost of funding earning assets | 1.1355% | 1,209 |
| Net interest margin | 3.2749% | 4,037 |
| Noninterest income to average assets | 0.8301% | 1,360 |
| Noninterest expense to average assets | 2.2555% | 4,053 |
| Loan and lease loss provision to assets | 0.0107% | 3,800 |
| Net operating income to assets | 1.3097% | 1,649 |
| Return on assets (ROA) | 1.3260% | 1,673 |
| Pretax return on assets | 1.6377% | 1,377 |
| Return on Equity (ROE) | 13.0313% | 1,157 |
| Retained earnings to average equity (ytd only) | 3.0332% | 3,513 |
| Net charge-offs to loans | 0.0621% | 2,215 |
| Credit loss provision to net charge-offs | 21.0599% | 3,312 |
| Earnings coverage of net charge-offs (x) | 31.9470% | 1,523 |
| Efficiency ratio | 57.7776% | 4,001 |
| Assets per employee ($millions) | 6.1838% | 1,499 |
| Cash dividends to net income (ytd only)* | 76.7236% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 4,267 |
| Loan loss allowance to noncurrent loans | 149.2785% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 2,501 |
| Noncurrent loans to loans | 0.5446% | 2,538 |
| Net loans and leases to total assets | 82.1691% | 539 |
| Net loans and leases to deposits | 100.0868% | 600 |
| Net loans and leases to core deposits | 112.9836% | 717 |
| Total domestic deposits to total assets | 82.0978% | 3,486 |
| Equity capital to assets | 10.4657% | 3,482 |
| Core capital (leverage) ratio | 10.2484% | 3,251 |
| Tier 1 risk-based capital ratio | 13.3356% | 3,614 |
| Total risk-based capital ratio | 14.2149% | 3,686 |
| Memoranda: | ||
| Average total assets | $2,850,626,000 | 328 |
| Average earning assets | $2,658,213,600 | 320 |
| Average equity | $290,054,800 | 352 |
| Average total loans | $2,341,030,200 | 295 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,250 |
| Cost of funding earning assets | 1.1517% | 1,170 |
| Net interest margin | 3.2838% | 4,115 |
| Noninterest income to average assets | 0.8198% | 1,359 |
| Noninterest expense to average assets | 2.2387% | 4,099 |
| Loan and lease loss provision to assets | 0.0337% | 3,232 |
| Net operating income to assets | 1.3076% | 1,824 |
| Return on assets (ROA) | 1.3274% | 1,808 |
| Pretax return on assets | 1.6317% | 1,520 |
| Return on Equity (ROE) | 13.1398% | 1,223 |
| Retained earnings to average equity (ytd only) | 1.0956% | 4,546 |
| Net charge-offs to loans | 0.0667% | 1,873 |
| Credit loss provision to net charge-offs | 61.7295% | 2,693 |
| Earnings coverage of net charge-offs (x) | 30.0215% | 1,622 |
| Efficiency ratio | 57.4063% | 4,012 |
| Assets per employee ($millions) | 5.9208% | 1,659 |
| Cash dividends to net income (ytd only)* | 91.6623% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 4,288 |
| Loan loss allowance to noncurrent loans | 193.2926% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.3863% | 2,966 |
| Noncurrent loans to loans | 0.4326% | 3,011 |
| Net loans and leases to total assets | 81.6858% | 605 |
| Net loans and leases to deposits | 109.6663% | 229 |
| Net loans and leases to core deposits | 114.5649% | 730 |
| Total domestic deposits to total assets | 74.4859% | 4,781 |
| Equity capital to assets | 10.1241% | 3,886 |
| Core capital (leverage) ratio | 10.0446% | 3,598 |
| Tier 1 risk-based capital ratio | 12.8313% | 3,937 |
| Total risk-based capital ratio | 13.7289% | 4,039 |
| Memoranda: | ||
| Average total assets | $2,849,058,750 | 331 |
| Average earning assets | $2,654,718,000 | 322 |
| Average equity | $287,819,750 | 356 |
| Average total loans | $2,334,606,000 | 297 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4636% | 3,132 |
| Cost of funding earning assets | 1.1344% | 1,184 |
| Net interest margin | 3.3293% | 4,080 |
| Noninterest income to average assets | 0.7847% | 1,399 |
| Noninterest expense to average assets | 2.3343% | 3,915 |
| Loan and lease loss provision to assets | 0.0014% | 3,671 |
| Net operating income to assets | 1.2632% | 1,900 |
| Return on assets (ROA) | 1.2860% | 1,888 |
| Pretax return on assets | 1.5785% | 1,612 |
| Return on Equity (ROE) | 12.7389% | 1,324 |
| Retained earnings to average equity (ytd only) | 5.0480% | 2,748 |
| Net charge-offs to loans | -0.0024% | 3,990 |
| Credit loss provision to net charge-offs | -71.4286% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7704% | 3,766 |
| Assets per employee ($millions) | 5.7868% | 1,706 |
| Cash dividends to net income (ytd only)* | 60.3732% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 4,199 |
| Loan loss allowance to noncurrent loans | 158.7710% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 2,616 |
| Noncurrent loans to loans | 0.5479% | 2,624 |
| Net loans and leases to total assets | 81.4702% | 677 |
| Net loans and leases to deposits | 101.2659% | 589 |
| Net loans and leases to core deposits | 114.5295% | 757 |
| Total domestic deposits to total assets | 80.4517% | 3,950 |
| Equity capital to assets | 10.3302% | 3,667 |
| Core capital (leverage) ratio | 10.3156% | 3,271 |
| Tier 1 risk-based capital ratio | 13.2322% | 3,720 |
| Total risk-based capital ratio | 14.1657% | 3,782 |
| Memoranda: | ||
| Average total assets | $2,833,660,670 | 332 |
| Average earning assets | $2,639,680,330 | 325 |
| Average equity | $286,053,670 | 358 |
| Average total loans | $2,317,823,330 | 303 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,015 |
| Cost of funding earning assets | 1.0999% | 1,185 |
| Net interest margin | 3.3593% | 4,011 |
| Noninterest income to average assets | 0.7343% | 1,484 |
| Noninterest expense to average assets | 2.4618% | 3,603 |
| Loan and lease loss provision to assets | 0.0089% | 3,322 |
| Net operating income to assets | 1.1319% | 2,341 |
| Return on assets (ROA) | 1.1564% | 2,293 |
| Pretax return on assets | 1.4179% | 2,021 |
| Return on Equity (ROE) | 11.5923% | 1,698 |
| Retained earnings to average equity (ytd only) | -4.0422% | 4,869 |
| Net charge-offs to loans | 0.0101% | 2,327 |
| Credit loss provision to net charge-offs | 108.6207% | 1,506 |
| Earnings coverage of net charge-offs (x) | 169.8621% | 451 |
| Efficiency ratio | 63.4981% | 3,317 |
| Assets per employee ($millions) | 5.7976% | 1,701 |
| Cash dividends to net income (ytd only)* | 134.8700% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,243 |
| Loan loss allowance to noncurrent loans | 286.9565% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 3,444 |
| Noncurrent loans to loans | 0.3070% | 3,468 |
| Net loans and leases to total assets | 80.7815% | 744 |
| Net loans and leases to deposits | 98.2910% | 764 |
| Net loans and leases to core deposits | 120.0244% | 528 |
| Total domestic deposits to total assets | 82.1861% | 3,677 |
| Equity capital to assets | 9.9215% | 3,902 |
| Core capital (leverage) ratio | 9.9938% | 3,610 |
| Tier 1 risk-based capital ratio | 12.9562% | 3,896 |
| Total risk-based capital ratio | 13.9019% | 3,954 |
| Memoranda: | ||
| Average total assets | $2,821,152,000 | 337 |
| Average earning assets | $2,623,849,000 | 331 |
| Average equity | $281,427,500 | 361 |
| Average total loans | $2,302,031,000 | 305 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 2,996 |
| Cost of funding earning assets | 0.8906% | 1,133 |
| Net interest margin | 3.4414% | 3,876 |
| Noninterest income to average assets | 0.7812% | 1,518 |
| Noninterest expense to average assets | 2.3429% | 4,015 |
| Loan and lease loss provision to assets | 0.0255% | 3,663 |
| Net operating income to assets | 1.3060% | 1,771 |
| Return on assets (ROA) | 1.3072% | 1,748 |
| Pretax return on assets | 1.6142% | 1,423 |
| Return on Equity (ROE) | 12.9883% | 1,356 |
| Retained earnings to average equity (ytd only) | 2.2259% | 4,268 |
| Net charge-offs to loans | 0.0660% | 2,175 |
| Credit loss provision to net charge-offs | 47.7724% | 3,219 |
| Earnings coverage of net charge-offs (x) | 30.6820% | 1,572 |
| Efficiency ratio | 58.5474% | 4,073 |
| Assets per employee ($millions) | 5.7526% | 1,716 |
| Cash dividends to net income (ytd only)* | 82.8621% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,203 |
| Loan loss allowance to noncurrent loans | 311.8061% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 3,502 |
| Noncurrent loans to loans | 0.2857% | 3,543 |
| Net loans and leases to total assets | 80.9721% | 806 |
| Net loans and leases to deposits | 100.3098% | 718 |
| Net loans and leases to core deposits | 121.5533% | 507 |
| Total domestic deposits to total assets | 80.7220% | 3,948 |
| Equity capital to assets | 10.0305% | 3,655 |
| Core capital (leverage) ratio | 10.1143% | 3,443 |
| Tier 1 risk-based capital ratio | 13.3368% | 3,639 |
| Total risk-based capital ratio | 14.3029% | 3,707 |
| Memoranda: | ||
| Average total assets | $2,732,628,400 | 341 |
| Average earning assets | $2,540,892,000 | 335 |
| Average equity | $275,031,800 | 359 |
| Average total loans | $2,210,397,600 | 313 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,212 |
| Cost of funding earning assets | 0.8428% | 1,141 |
| Net interest margin | 3.3852% | 4,047 |
| Noninterest income to average assets | 0.7855% | 1,523 |
| Noninterest expense to average assets | 2.3105% | 4,069 |
| Loan and lease loss provision to assets | 0.0247% | 3,523 |
| Net operating income to assets | 1.2929% | 1,889 |
| Return on assets (ROA) | 1.3022% | 1,845 |
| Pretax return on assets | 1.6076% | 1,556 |
| Return on Equity (ROE) | 12.9266% | 1,460 |
| Retained earnings to average equity (ytd only) | 0.4484% | 4,959 |
| Net charge-offs to loans | 0.0238% | 2,654 |
| Credit loss provision to net charge-offs | 128.9003% | 1,905 |
| Earnings coverage of net charge-offs (x) | 84.4272% | 854 |
| Efficiency ratio | 58.4610% | 4,048 |
| Assets per employee ($millions) | 5.7055% | 1,734 |
| Cash dividends to net income (ytd only)* | 96.5309% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,097 |
| Loan loss allowance to noncurrent loans | 234.7020% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,239 |
| Noncurrent loans to loans | 0.3999% | 3,220 |
| Net loans and leases to total assets | 80.7733% | 904 |
| Net loans and leases to deposits | 93.7438% | 1,403 |
| Net loans and leases to core deposits | 117.1716% | 662 |
| Total domestic deposits to total assets | 86.1639% | 2,113 |
| Equity capital to assets | 9.7667% | 3,850 |
| Core capital (leverage) ratio | 10.0219% | 3,610 |
| Tier 1 risk-based capital ratio | 12.9552% | 3,937 |
| Total risk-based capital ratio | 13.9529% | 3,978 |
| Memoranda: | ||
| Average total assets | $2,715,409,500 | 342 |
| Average earning assets | $2,523,474,000 | 337 |
| Average equity | $273,538,250 | 356 |
| Average total loans | $2,190,790,500 | 314 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1923% | 3,141 |
| Cost of funding earning assets | 0.7897% | 1,175 |
| Net interest margin | 3.4027% | 3,944 |
| Noninterest income to average assets | 0.7708% | 1,568 |
| Noninterest expense to average assets | 2.3500% | 4,026 |
| Loan and lease loss provision to assets | 0.0189% | 3,522 |
| Net operating income to assets | 1.2702% | 1,897 |
| Return on assets (ROA) | 1.2842% | 1,845 |
| Pretax return on assets | 1.5807% | 1,566 |
| Return on Equity (ROE) | 12.6158% | 1,502 |
| Retained earnings to average equity (ytd only) | 0.6563% | 4,833 |
| Net charge-offs to loans | 0.0062% | 2,923 |
| Credit loss provision to net charge-offs | 379.1045% | 853 |
| Earnings coverage of net charge-offs (x) | 318.1493% | 290 |
| Efficiency ratio | 59.4507% | 4,019 |
| Assets per employee ($millions) | 5.5182% | 1,868 |
| Cash dividends to net income (ytd only)* | 94.7977% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,078 |
| Loan loss allowance to noncurrent loans | 197.7572% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 3,041 |
| Noncurrent loans to loans | 0.4841% | 2,984 |
| Net loans and leases to total assets | 80.0158% | 1,018 |
| Net loans and leases to deposits | 101.4700% | 700 |
| Net loans and leases to core deposits | 114.7805% | 758 |
| Total domestic deposits to total assets | 78.8565% | 4,452 |
| Equity capital to assets | 9.8879% | 3,731 |
| Core capital (leverage) ratio | 10.2324% | 3,314 |
| Tier 1 risk-based capital ratio | 13.1571% | 3,819 |
| Total risk-based capital ratio | 14.1752% | 3,858 |
| Memoranda: | ||
| Average total assets | $2,694,352,670 | 344 |
| Average earning assets | $2,503,375,330 | 339 |
| Average equity | $274,259,000 | 353 |
| Average total loans | $2,165,849,000 | 314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 2,885 |
| Cost of funding earning assets | 0.7311% | 1,281 |
| Net interest margin | 3.4684% | 3,647 |
| Noninterest income to average assets | 0.7713% | 1,543 |
| Noninterest expense to average assets | 2.4591% | 3,781 |
| Loan and lease loss provision to assets | 0.0612% | 2,554 |
| Net operating income to assets | 1.2075% | 1,970 |
| Return on assets (ROA) | 1.2247% | 1,921 |
| Pretax return on assets | 1.4926% | 1,696 |
| Return on Equity (ROE) | 11.8554% | 1,632 |
| Retained earnings to average equity (ytd only) | 1.3819% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2889% | 3,901 |
| Assets per employee ($millions) | 5.5311% | 1,912 |
| Cash dividends to net income (ytd only)* | 88.3436% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9968% | 3,985 |
| Loan loss allowance to noncurrent loans | 177.0823% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 2,890 |
| Noncurrent loans to loans | 0.5629% | 2,850 |
| Net loans and leases to total assets | 79.8171% | 963 |
| Net loans and leases to deposits | 101.8956% | 583 |
| Net loans and leases to core deposits | 115.0672% | 758 |
| Total domestic deposits to total assets | 78.3323% | 4,677 |
| Equity capital to assets | 10.2154% | 3,371 |
| Core capital (leverage) ratio | 10.3813% | 3,078 |
| Tier 1 risk-based capital ratio | 13.4493% | 3,690 |
| Total risk-based capital ratio | 14.5060% | 3,714 |
| Memoranda: | ||
| Average total assets | $2,661,976,500 | 348 |
| Average earning assets | $2,471,806,500 | 343 |
| Average equity | $274,980,000 | 355 |
| Average total loans | $2,134,245,000 | 313 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 1,158 |
| Cost of funding earning assets | 0.6649% | 1,220 |
| Net interest margin | 4.0525% | 1,579 |
| Noninterest income to average assets | 1.0627% | 900 |
| Noninterest expense to average assets | 3.1075% | 1,840 |
| Loan and lease loss provision to assets | 0.1975% | 1,053 |
| Net operating income to assets | 0.9788% | 2,333 |
| Return on assets (ROA) | 0.9960% | 2,299 |
| Pretax return on assets | 1.5330% | 1,511 |
| Return on Equity (ROE) | 9.6752% | 2,021 |
| Retained earnings to average equity (ytd only) | 2.8630% | 3,602 |
| Net charge-offs to loans | 0.1280% | 1,764 |
| Credit loss provision to net charge-offs | 197.7071% | 1,383 |
| Earnings coverage of net charge-offs (x) | 17.0552% | 2,149 |
| Efficiency ratio | 64.2889% | 3,564 |
| Assets per employee ($millions) | 5.4237% | 2,017 |
| Cash dividends to net income (ytd only)* | 70.4093% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 3,910 |
| Loan loss allowance to noncurrent loans | 176.2436% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4940% | 2,909 |
| Noncurrent loans to loans | 0.5699% | 2,795 |
| Net loans and leases to total assets | 78.9219% | 1,134 |
| Net loans and leases to deposits | 104.5432% | 468 |
| Net loans and leases to core deposits | 118.4718% | 632 |
| Total domestic deposits to total assets | 75.4921% | 5,030 |
| Equity capital to assets | 10.4463% | 3,220 |
| Core capital (leverage) ratio | 10.4059% | 2,958 |
| Tier 1 risk-based capital ratio | 13.6240% | 3,560 |
| Total risk-based capital ratio | 14.6859% | 3,574 |
| Memoranda: | ||
| Average total assets | $2,138,854,800 | 386 |
| Average earning assets | $1,978,569,800 | 379 |
| Average equity | $220,191,200 | 408 |
| Average total loans | $1,669,440,000 | 359 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9114% | 740 |
| Cost of funding earning assets | 0.6581% | 1,189 |
| Net interest margin | 4.2533% | 1,041 |
| Noninterest income to average assets | 1.1141% | 820 |
| Noninterest expense to average assets | 3.2647% | 1,425 |
| Loan and lease loss provision to assets | 0.2007% | 949 |
| Net operating income to assets | 1.1147% | 2,022 |
| Return on assets (ROA) | 1.1413% | 1,963 |
| Pretax return on assets | 1.6182% | 1,355 |
| Return on Equity (ROE) | 11.1398% | 1,634 |
| Retained earnings to average equity (ytd only) | 1.4435% | 4,834 |
| Net charge-offs to loans | 0.1342% | 1,454 |
| Credit loss provision to net charge-offs | 193.0573% | 1,382 |
| Earnings coverage of net charge-offs (x) | 17.1331% | 2,118 |
| Efficiency ratio | 64.4071% | 3,462 |
| Assets per employee ($millions) | 5.4644% | 1,960 |
| Cash dividends to net income (ytd only)* | 87.0423% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,067 |
| Loan loss allowance to noncurrent loans | 189.2311% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 3,184 |
| Noncurrent loans to loans | 0.5277% | 3,114 |
| Net loans and leases to total assets | 78.3898% | 1,213 |
| Net loans and leases to deposits | 103.2795% | 536 |
| Net loans and leases to core deposits | 117.5855% | 679 |
| Total domestic deposits to total assets | 75.9007% | 5,027 |
| Equity capital to assets | 10.5020% | 3,377 |
| Core capital (leverage) ratio | 10.4616% | 3,031 |
| Tier 1 risk-based capital ratio | 13.6924% | 3,583 |
| Total risk-based capital ratio | 14.7444% | 3,618 |
| Memoranda: | ||
| Average total assets | $2,013,229,750 | 409 |
| Average earning assets | $1,861,190,500 | 404 |
| Average equity | $206,258,250 | 431 |
| Average total loans | $1,560,360,250 | 382 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 333 |
| Cost of funding earning assets | 0.6713% | 1,036 |
| Net interest margin | 4.6283% | 455 |
| Noninterest income to average assets | 1.2319% | 687 |
| Noninterest expense to average assets | 3.7552% | 712 |
| Loan and lease loss provision to assets | 0.2548% | 653 |
| Net operating income to assets | 1.0625% | 2,155 |
| Return on assets (ROA) | 1.0882% | 2,092 |
| Pretax return on assets | 1.5356% | 1,533 |
| Return on Equity (ROE) | 10.7500% | 1,736 |
| Retained earnings to average equity (ytd only) | -5.5412% | 5,552 |
| Net charge-offs to loans | 0.2501% | 815 |
| Credit loss provision to net charge-offs | 132.8367% | 1,655 |
| Earnings coverage of net charge-offs (x) | 9.1433% | 2,462 |
| Efficiency ratio | 67.8853% | 3,031 |
| Assets per employee ($millions) | 5.2617% | 2,096 |
| Cash dividends to net income (ytd only)* | 151.5458% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 4,193 |
| Loan loss allowance to noncurrent loans | 182.1015% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,221 |
| Noncurrent loans to loans | 0.5449% | 3,110 |
| Net loans and leases to total assets | 76.9359% | 1,392 |
| Net loans and leases to deposits | 101.4002% | 644 |
| Net loans and leases to core deposits | 115.0840% | 751 |
| Total domestic deposits to total assets | 75.8735% | 5,108 |
| Equity capital to assets | 10.3866% | 3,470 |
| Core capital (leverage) ratio | 10.1361% | 3,355 |
| Tier 1 risk-based capital ratio | 13.7818% | 3,546 |
| Total risk-based capital ratio | 14.8309% | 3,568 |
| Memoranda: | ||
| Average total assets | $1,819,109,670 | 447 |
| Average earning assets | $1,681,226,000 | 442 |
| Average equity | $184,148,000 | 468 |
| Average total loans | $1,395,412,670 | 411 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2304% | 96 |
| Cost of funding earning assets | 0.7653% | 598 |
| Net interest margin | 5.4651% | 114 |
| Noninterest income to average assets | 1.3385% | 580 |
| Noninterest expense to average assets | 5.3615% | 200 |
| Loan and lease loss provision to assets | 0.4051% | 274 |
| Net operating income to assets | 0.4680% | 4,714 |
| Return on assets (ROA) | 0.4738% | 4,718 |
| Pretax return on assets | 0.6495% | 4,598 |
| Return on Equity (ROE) | 4.7900% | 4,488 |
| Retained earnings to average equity (ytd only) | -36.8865% | 5,807 |
| Net charge-offs to loans | 0.5766% | 309 |
| Credit loss provision to net charge-offs | 92.6461% | 1,677 |
| Earnings coverage of net charge-offs (x) | 2.3935% | 2,597 |
| Efficiency ratio | 83.4270% | 1,023 |
| Assets per employee ($millions) | 5.2031% | 2,182 |
| Cash dividends to net income (ytd only)* | 870.0696% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 4,387 |
| Loan loss allowance to noncurrent loans | 150.4487% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 3,080 |
| Noncurrent loans to loans | 0.6521% | 2,873 |
| Net loans and leases to total assets | 74.8468% | 1,607 |
| Net loans and leases to deposits | 98.4069% | 738 |
| Net loans and leases to core deposits | 111.7353% | 785 |
| Total domestic deposits to total assets | 76.0585% | 5,223 |
| Equity capital to assets | 9.9649% | 3,799 |
| Core capital (leverage) ratio | 10.2023% | 3,237 |
| Tier 1 risk-based capital ratio | 13.3842% | 3,843 |
| Total risk-based capital ratio | 14.4134% | 3,893 |
| Memoranda: | ||
| Average total assets | $1,455,337,500 | 536 |
| Average earning assets | $1,350,022,500 | 522 |
| Average equity | $143,966,000 | 559 |
| Average total loans | $1,103,655,000 | 488 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5907% | 4,533 |
| Cost of funding earning assets | 0.5526% | 1,664 |
| Net interest margin | 3.0381% | 4,881 |
| Noninterest income to average assets | 0.7510% | 1,954 |
| Noninterest expense to average assets | 2.6880% | 3,379 |
| Loan and lease loss provision to assets | 0.1903% | 1,234 |
| Net operating income to assets | 0.5023% | 4,620 |
| Return on assets (ROA) | 0.5023% | 4,695 |
| Pretax return on assets | 0.7917% | 4,207 |
| Return on Equity (ROE) | 5.1352% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.1352% | 2,253 |
| Net charge-offs to loans | 0.1214% | 2,043 |
| Credit loss provision to net charge-offs | 192.0973% | 1,480 |
| Earnings coverage of net charge-offs (x) | 9.9119% | 2,707 |
| Efficiency ratio | 72.9384% | 2,434 |
| Assets per employee ($millions) | 5.4763% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0596% | 3,955 |
| Loan loss allowance to noncurrent loans | 426.6764% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 4,441 |
| Noncurrent loans to loans | 0.2483% | 4,267 |
| Net loans and leases to total assets | 76.7825% | 1,396 |
| Net loans and leases to deposits | 98.2289% | 808 |
| Net loans and leases to core deposits | 111.4103% | 812 |
| Total domestic deposits to total assets | 78.1669% | 4,952 |
| Equity capital to assets | 9.3713% | 4,404 |
| Core capital (leverage) ratio | 9.1665% | 4,530 |
| Tier 1 risk-based capital ratio | 11.9452% | 4,771 |
| Total risk-based capital ratio | 13.0377% | 4,767 |
| Memoranda: | ||
| Average total assets | $332,068,600 | 1,992 |
| Average earning assets | $319,043,000 | 1,924 |
| Average equity | $32,481,600 | 2,204 |
| Average total loans | $271,035,200 | 1,670 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 4,508 |
| Cost of funding earning assets | 0.5557% | 1,641 |
| Net interest margin | 3.0591% | 4,879 |
| Noninterest income to average assets | 0.7495% | 1,965 |
| Noninterest expense to average assets | 2.7165% | 3,310 |
| Loan and lease loss provision to assets | 0.0953% | 2,317 |
| Net operating income to assets | 0.5622% | 4,447 |
| Return on assets (ROA) | 0.5622% | 4,553 |
| Pretax return on assets | 0.8770% | 4,058 |
| Return on Equity (ROE) | 5.6824% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.6824% | 2,369 |
| Net charge-offs to loans | -0.0104% | 4,780 |
| Credit loss provision to net charge-offs | -1,109.5238% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3319% | 2,387 |
| Assets per employee ($millions) | 4.9984% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 4,421 |
| Loan loss allowance to noncurrent loans | 170.6999% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 3,317 |
| Noncurrent loans to loans | 0.5850% | 3,253 |
| Net loans and leases to total assets | 82.7260% | 541 |
| Net loans and leases to deposits | 105.0033% | 411 |
| Net loans and leases to core deposits | 116.5371% | 637 |
| Total domestic deposits to total assets | 78.7842% | 4,770 |
| Equity capital to assets | 9.5909% | 4,565 |
| Core capital (leverage) ratio | 9.5050% | 4,176 |
| Tier 1 risk-based capital ratio | 11.2419% | 5,232 |
| Total risk-based capital ratio | 12.2718% | 5,269 |
| Memoranda: | ||
| Average total assets | $326,095,750 | 2,030 |
| Average earning assets | $313,331,750 | 1,957 |
| Average equity | $32,262,500 | 2,232 |
| Average total loans | $269,733,500 | 1,675 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6268% | 4,517 |
| Cost of funding earning assets | 0.5543% | 1,666 |
| Net interest margin | 3.0725% | 4,908 |
| Noninterest income to average assets | 0.7116% | 2,088 |
| Noninterest expense to average assets | 2.7402% | 3,235 |
| Loan and lease loss provision to assets | 0.0675% | 2,790 |
| Net operating income to assets | 0.5478% | 4,487 |
| Return on assets (ROA) | 0.5478% | 4,599 |
| Pretax return on assets | 0.8536% | 4,106 |
| Return on Equity (ROE) | 5.4766% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4766% | 2,435 |
| Net charge-offs to loans | -0.0046% | 4,501 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5175% | 2,289 |
| Assets per employee ($millions) | 4.3791% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 4,525 |
| Loan loss allowance to noncurrent loans | 150.8540% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5915% | 3,246 |
| Noncurrent loans to loans | 0.6628% | 3,082 |
| Net loans and leases to total assets | 84.8047% | 356 |
| Net loans and leases to deposits | 108.2665% | 295 |
| Net loans and leases to core deposits | 119.4819% | 529 |
| Total domestic deposits to total assets | 78.3296% | 4,933 |
| Equity capital to assets | 10.1899% | 3,990 |
| Core capital (leverage) ratio | 9.6178% | 4,044 |
| Tier 1 risk-based capital ratio | 11.4876% | 5,165 |
| Total risk-based capital ratio | 12.5139% | 5,194 |
| Memoranda: | ||
| Average total assets | $319,831,330 | 2,076 |
| Average earning assets | $307,044,330 | 2,006 |
| Average equity | $31,990,670 | 2,245 |
| Average total loans | $263,581,000 | 1,708 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5891% | 4,644 |
| Cost of funding earning assets | 0.5414% | 1,780 |
| Net interest margin | 3.0477% | 5,008 |
| Noninterest income to average assets | 0.5602% | 2,741 |
| Noninterest expense to average assets | 2.7233% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4851% | 4,689 |
| Return on assets (ROA) | 0.4851% | 4,787 |
| Pretax return on assets | 0.7577% | 4,343 |
| Return on Equity (ROE) | 4.8961% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.8961% | 3,004 |
| Net charge-offs to loans | -0.0340% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8736% | 1,912 |
| Assets per employee ($millions) | 4.4938% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 4,600 |
| Loan loss allowance to noncurrent loans | 144.9069% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 3,271 |
| Noncurrent loans to loans | 0.6917% | 3,115 |
| Net loans and leases to total assets | 81.9043% | 567 |
| Net loans and leases to deposits | 102.6277% | 480 |
| Net loans and leases to core deposits | 113.2557% | 698 |
| Total domestic deposits to total assets | 79.8072% | 4,788 |
| Equity capital to assets | 10.0508% | 4,012 |
| Core capital (leverage) ratio | 9.4698% | 4,247 |
| Tier 1 risk-based capital ratio | 11.2202% | 5,385 |
| Total risk-based capital ratio | 12.2153% | 5,435 |
| Memoranda: | ||
| Average total assets | $319,911,500 | 2,086 |
| Average earning assets | $306,591,000 | 2,015 |
| Average equity | $31,699,000 | 2,263 |
| Average total loans | $258,454,500 | 1,740 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6454% | 4,539 |
| Cost of funding earning assets | 0.5074% | 2,098 |
| Net interest margin | 3.1380% | 4,815 |
| Noninterest income to average assets | 0.6414% | 2,509 |
| Noninterest expense to average assets | 2.8063% | 3,197 |
| Loan and lease loss provision to assets | 0.1726% | 1,324 |
| Net operating income to assets | 0.4190% | 4,992 |
| Return on assets (ROA) | 0.4149% | 5,089 |
| Pretax return on assets | 0.6495% | 4,676 |
| Return on Equity (ROE) | 4.0134% | 4,940 |
| Retained earnings to average equity (ytd only) | 4.0134% | 3,168 |
| Net charge-offs to loans | 0.2220% | 1,331 |
| Credit loss provision to net charge-offs | 95.8801% | 2,643 |
| Earnings coverage of net charge-offs (x) | 4.6030% | 3,518 |
| Efficiency ratio | 76.7990% | 2,149 |
| Assets per employee ($millions) | 4.8600% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,398 |
| Loan loss allowance to noncurrent loans | 134.1513% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6410% | 3,132 |
| Noncurrent loans to loans | 0.7733% | 2,858 |
| Net loans and leases to total assets | 78.0374% | 1,113 |
| Net loans and leases to deposits | 98.2132% | 800 |
| Net loans and leases to core deposits | 109.7478% | 864 |
| Total domestic deposits to total assets | 79.4571% | 4,876 |
| Equity capital to assets | 9.7673% | 4,221 |
| Core capital (leverage) ratio | 9.2040% | 4,613 |
| Tier 1 risk-based capital ratio | 11.6162% | 5,183 |
| Total risk-based capital ratio | 12.6641% | 5,203 |
| Memoranda: | ||
| Average total assets | $296,691,400 | 2,168 |
| Average earning assets | $283,012,800 | 2,117 |
| Average equity | $30,672,400 | 2,273 |
| Average total loans | $240,557,400 | 1,796 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6776% | 4,488 |
| Cost of funding earning assets | 0.4967% | 2,242 |
| Net interest margin | 3.1809% | 4,732 |
| Noninterest income to average assets | 0.6922% | 2,268 |
| Noninterest expense to average assets | 2.8457% | 3,018 |
| Loan and lease loss provision to assets | 0.1582% | 1,358 |
| Net operating income to assets | 0.4611% | 4,932 |
| Return on assets (ROA) | 0.4555% | 5,046 |
| Pretax return on assets | 0.7082% | 4,654 |
| Return on Equity (ROE) | 4.3397% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.3397% | 3,383 |
| Net charge-offs to loans | 0.0185% | 3,571 |
| Credit loss provision to net charge-offs | 1,045.4545% | 349 |
| Earnings coverage of net charge-offs (x) | 57.8168% | 938 |
| Efficiency ratio | 76.0725% | 2,235 |
| Assets per employee ($millions) | 4.8368% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 3,649 |
| Loan loss allowance to noncurrent loans | 127.7202% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 3,038 |
| Noncurrent loans to loans | 0.9405% | 2,619 |
| Net loans and leases to total assets | 77.3838% | 1,196 |
| Net loans and leases to deposits | 98.6633% | 761 |
| Net loans and leases to core deposits | 108.9103% | 935 |
| Total domestic deposits to total assets | 78.4322% | 5,106 |
| Equity capital to assets | 9.9008% | 4,283 |
| Core capital (leverage) ratio | 9.3397% | 4,528 |
| Tier 1 risk-based capital ratio | 11.5666% | 5,337 |
| Total risk-based capital ratio | 12.7600% | 5,291 |
| Memoranda: | ||
| Average total assets | $290,673,500 | 2,219 |
| Average earning assets | $276,765,750 | 2,173 |
| Average equity | $30,508,000 | 2,300 |
| Average total loans | $237,462,000 | 1,819 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,433 |
| Cost of funding earning assets | 0.4840% | 2,397 |
| Net interest margin | 3.2066% | 4,641 |
| Noninterest income to average assets | 0.6861% | 2,274 |
| Noninterest expense to average assets | 2.8914% | 2,927 |
| Loan and lease loss provision to assets | 0.0467% | 3,187 |
| Net operating income to assets | 0.5175% | 4,693 |
| Return on assets (ROA) | 0.5093% | 4,837 |
| Pretax return on assets | 0.7858% | 4,361 |
| Return on Equity (ROE) | 4.7522% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.7522% | 3,024 |
| Net charge-offs to loans | 0.0009% | 3,877 |
| Credit loss provision to net charge-offs | 6,600.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,195.0000% | 50 |
| Efficiency ratio | 76.9449% | 2,213 |
| Assets per employee ($millions) | 4.3727% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 4,156 |
| Loan loss allowance to noncurrent loans | 343.1646% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2775% | 4,767 |
| Noncurrent loans to loans | 0.3308% | 4,505 |
| Net loans and leases to total assets | 79.4142% | 882 |
| Net loans and leases to deposits | 103.9780% | 455 |
| Net loans and leases to core deposits | 113.0755% | 707 |
| Total domestic deposits to total assets | 76.3759% | 5,548 |
| Equity capital to assets | 10.3686% | 3,592 |
| Core capital (leverage) ratio | 9.7912% | 3,872 |
| Tier 1 risk-based capital ratio | 11.6486% | 5,369 |
| Total risk-based capital ratio | 12.7708% | 5,370 |
| Memoranda: | ||
| Average total assets | $282,768,000 | 2,284 |
| Average earning assets | $269,008,330 | 2,241 |
| Average equity | $30,301,670 | 2,318 |
| Average total loans | $234,534,330 | 1,844 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 4,267 |
| Cost of funding earning assets | 0.4658% | 2,604 |
| Net interest margin | 3.2618% | 4,374 |
| Noninterest income to average assets | 0.7449% | 1,941 |
| Noninterest expense to average assets | 2.9548% | 2,723 |
| Loan and lease loss provision to assets | 0.0189% | 3,470 |
| Net operating income to assets | 0.5729% | 4,395 |
| Return on assets (ROA) | 0.5547% | 4,570 |
| Pretax return on assets | 0.8451% | 4,084 |
| Return on Equity (ROE) | 5.0870% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.0870% | 3,013 |
| Net charge-offs to loans | -0.0671% | 5,678 |
| Credit loss provision to net charge-offs | -33.3333% | 4,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3684% | 2,455 |
| Assets per employee ($millions) | 4.3261% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 4,418 |
| Loan loss allowance to noncurrent loans | 237.2911% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 3,886 |
| Noncurrent loans to loans | 0.4723% | 4,164 |
| Net loans and leases to total assets | 83.3632% | 351 |
| Net loans and leases to deposits | 111.1421% | 201 |
| Net loans and leases to core deposits | 117.5580% | 470 |
| Total domestic deposits to total assets | 75.0060% | 5,830 |
| Equity capital to assets | 10.6856% | 3,332 |
| Core capital (leverage) ratio | 10.1020% | 3,472 |
| Tier 1 risk-based capital ratio | 11.2984% | 5,661 |
| Total risk-based capital ratio | 12.4058% | 5,652 |
| Memoranda: | ||
| Average total assets | $275,481,500 | 2,346 |
| Average earning assets | $261,941,500 | 2,299 |
| Average equity | $30,037,500 | 2,351 |
| Average total loans | $232,380,500 | 1,858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 4,553 |
| Cost of funding earning assets | 0.4772% | 2,912 |
| Net interest margin | 3.3012% | 4,561 |
| Noninterest income to average assets | 0.6830% | 2,379 |
| Noninterest expense to average assets | 3.2448% | 2,089 |
| Loan and lease loss provision to assets | 0.0308% | 3,988 |
| Net operating income to assets | 1.7095% | 570 |
| Return on assets (ROA) | 1.7368% | 545 |
| Pretax return on assets | 0.5801% | 5,001 |
| Return on Equity (ROE) | 16.2006% | 598 |
| Retained earnings to average equity (ytd only) | 16.1822% | 122 |
| Net charge-offs to loans | -0.0320% | 5,805 |
| Credit loss provision to net charge-offs | -113.0435% | 5,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2295% | 1,385 |
| Assets per employee ($millions) | 4.1475% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.1135% | 4,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,120 |
| Loan loss allowance to noncurrent loans | 356.6038% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 4,389 |
| Noncurrent loans to loans | 0.3312% | 4,655 |
| Net loans and leases to total assets | 83.4071% | 384 |
| Net loans and leases to deposits | 115.1420% | 146 |
| Net loans and leases to core deposits | 122.7470% | 342 |
| Total domestic deposits to total assets | 72.4385% | 6,053 |
| Equity capital to assets | 11.1382% | 2,766 |
| Core capital (leverage) ratio | 9.7261% | 3,934 |
| Tier 1 risk-based capital ratio | 11.7307% | 5,529 |
| Total risk-based capital ratio | 12.9338% | 5,463 |
| Memoranda: | ||
| Average total assets | $253,576,600 | 2,492 |
| Average earning assets | $241,612,000 | 2,419 |
| Average equity | $27,184,200 | 2,475 |
| Average total loans | $215,624,200 | 1,930 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7658% | 4,665 |
| Cost of funding earning assets | 0.4737% | 3,017 |
| Net interest margin | 3.2921% | 4,637 |
| Noninterest income to average assets | 0.6193% | 2,751 |
| Noninterest expense to average assets | 3.1453% | 2,334 |
| Loan and lease loss provision to assets | 0.0080% | 4,259 |
| Net operating income to assets | 2.2467% | 212 |
| Return on assets (ROA) | 2.2467% | 221 |
| Pretax return on assets | 0.6012% | 5,021 |
| Return on Equity (ROE) | 21.1762% | 225 |
| Retained earnings to average equity (ytd only) | 21.1511% | 60 |
| Net charge-offs to loans | -0.0631% | 6,000 |
| Credit loss provision to net charge-offs | -14.8515% | 5,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2223% | 1,473 |
| Assets per employee ($millions) | 4.1229% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.1185% | 3,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 4,369 |
| Loan loss allowance to noncurrent loans | 326.8750% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4612% | 4,508 |
| Noncurrent loans to loans | 0.3587% | 4,830 |
| Net loans and leases to total assets | 82.2396% | 489 |
| Net loans and leases to deposits | 110.4549% | 207 |
| Net loans and leases to core deposits | 116.8263% | 472 |
| Total domestic deposits to total assets | 74.4554% | 5,974 |
| Equity capital to assets | 10.9579% | 2,997 |
| Core capital (leverage) ratio | 9.8053% | 3,933 |
| Tier 1 risk-based capital ratio | 11.4263% | 5,823 |
| Total risk-based capital ratio | 12.6069% | 5,793 |
| Memoranda: | ||
| Average total assets | $250,611,000 | 2,537 |
| Average earning assets | $238,669,500 | 2,454 |
| Average equity | $26,589,000 | 2,526 |
| Average total loans | $213,520,000 | 1,961 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 4,573 |
| Cost of funding earning assets | 0.4726% | 3,090 |
| Net interest margin | 3.3130% | 4,536 |
| Noninterest income to average assets | 0.5637% | 3,025 |
| Noninterest expense to average assets | 3.1338% | 2,383 |
| Loan and lease loss provision to assets | -0.0408% | 6,283 |
| Net operating income to assets | 3.2645% | 80 |
| Return on assets (ROA) | 3.2645% | 81 |
| Pretax return on assets | 0.6266% | 4,865 |
| Return on Equity (ROE) | 31.1417% | 51 |
| Retained earnings to average equity (ytd only) | 31.1417% | 27 |
| Net charge-offs to loans | -0.0675% | 6,002 |
| Credit loss provision to net charge-offs | 70.4225% | 2,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6811% | 1,551 |
| Assets per employee ($millions) | 4.0931% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 4,786 |
| Loan loss allowance to noncurrent loans | 271.2594% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 4,366 |
| Noncurrent loans to loans | 0.4154% | 4,742 |
| Net loans and leases to total assets | 84.4021% | 273 |
| Net loans and leases to deposits | 118.1659% | 103 |
| Net loans and leases to core deposits | 124.7906% | 286 |
| Total domestic deposits to total assets | 71.4268% | 6,291 |
| Equity capital to assets | 11.1182% | 2,770 |
| Core capital (leverage) ratio | 10.2245% | 3,305 |
| Tier 1 risk-based capital ratio | 11.1210% | 6,002 |
| Total risk-based capital ratio | 12.2469% | 5,995 |
| Memoranda: | ||
| Average total assets | $244,818,000 | 2,591 |
| Average earning assets | $233,201,330 | 2,512 |
| Average equity | $25,663,330 | 2,598 |
| Average total loans | $210,357,000 | 1,980 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 4,424 |
| Cost of funding earning assets | 0.4787% | 3,124 |
| Net interest margin | 3.3366% | 4,391 |
| Noninterest income to average assets | 0.6569% | 2,419 |
| Noninterest expense to average assets | 3.2474% | 2,079 |
| Loan and lease loss provision to assets | 0.0965% | 2,316 |
| Net operating income to assets | 0.4995% | 4,698 |
| Return on assets (ROA) | 0.4995% | 4,778 |
| Pretax return on assets | 0.4995% | 5,171 |
| Return on Equity (ROE) | 4.9305% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.9305% | 3,151 |
| Net charge-offs to loans | -0.0668% | 5,941 |
| Credit loss provision to net charge-offs | -167.6471% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9207% | 1,680 |
| Assets per employee ($millions) | 3.9137% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,440 |
| Loan loss allowance to noncurrent loans | 332.4775% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 4,573 |
| Noncurrent loans to loans | 0.3725% | 5,010 |
| Net loans and leases to total assets | 85.1264% | 182 |
| Net loans and leases to deposits | 111.1134% | 135 |
| Net loans and leases to core deposits | 116.9747% | 382 |
| Total domestic deposits to total assets | 76.6122% | 6,009 |
| Equity capital to assets | 10.0424% | 3,797 |
| Core capital (leverage) ratio | 9.9210% | 3,675 |
| Tier 1 risk-based capital ratio | 11.0432% | 6,139 |
| Total risk-based capital ratio | 12.2729% | 6,096 |
| Memoranda: | ||
| Average total assets | $236,247,500 | 2,675 |
| Average earning assets | $225,618,000 | 2,598 |
| Average equity | $23,932,500 | 2,762 |
| Average total loans | $203,726,000 | 2,020 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 4,137 |
| Cost of funding earning assets | 0.4812% | 3,806 |
| Net interest margin | 3.5021% | 3,903 |
| Noninterest income to average assets | 0.7588% | 2,257 |
| Noninterest expense to average assets | 3.6660% | 1,341 |
| Loan and lease loss provision to assets | 0.1355% | 2,615 |
| Net operating income to assets | 0.2726% | 5,611 |
| Return on assets (ROA) | 0.5269% | 4,734 |
| Pretax return on assets | 0.5636% | 5,000 |
| Return on Equity (ROE) | 5.0575% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.0575% | 2,554 |
| Net charge-offs to loans | 0.0717% | 4,202 |
| Credit loss provision to net charge-offs | 219.8413% | 1,044 |
| Earnings coverage of net charge-offs (x) | 6.9048% | 2,955 |
| Efficiency ratio | 89.2622% | 1,086 |
| Assets per employee ($millions) | 3.7071% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2602% | 4,343 |
| Loan loss allowance to noncurrent loans | 249.1525% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 4,280 |
| Noncurrent loans to loans | 0.5058% | 4,731 |
| Net loans and leases to total assets | 85.1895% | 193 |
| Net loans and leases to deposits | 111.9105% | 143 |
| Net loans and leases to core deposits | 117.3894% | 382 |
| Total domestic deposits to total assets | 76.1228% | 6,084 |
| Equity capital to assets | 10.2231% | 3,478 |
| Core capital (leverage) ratio | 9.9677% | 3,619 |
| Tier 1 risk-based capital ratio | 11.1481% | 6,097 |
| Total risk-based capital ratio | 12.3889% | 6,055 |
| Memoranda: | ||
| Average total assets | $204,394,000 | 2,977 |
| Average earning assets | $194,512,800 | 2,898 |
| Average equity | $21,295,200 | 3,001 |
| Average total loans | $175,661,200 | 2,244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 4,218 |
| Cost of funding earning assets | 0.4723% | 4,043 |
| Net interest margin | 3.5050% | 3,863 |
| Noninterest income to average assets | 0.7864% | 2,221 |
| Noninterest expense to average assets | 3.7279% | 1,205 |
| Loan and lease loss provision to assets | 0.1138% | 2,870 |
| Net operating income to assets | 0.2640% | 5,739 |
| Return on assets (ROA) | 0.5090% | 4,920 |
| Pretax return on assets | 0.5353% | 5,253 |
| Return on Equity (ROE) | 4.8589% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.8589% | 3,184 |
| Net charge-offs to loans | 0.0384% | 4,379 |
| Credit loss provision to net charge-offs | 344.8980% | 752 |
| Earnings coverage of net charge-offs (x) | 11.8575% | 2,195 |
| Efficiency ratio | 90.2746% | 970 |
| Assets per employee ($millions) | 3.6776% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,226 |
| Loan loss allowance to noncurrent loans | 339.9449% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 4,698 |
| Noncurrent loans to loans | 0.3920% | 5,219 |
| Net loans and leases to total assets | 81.4470% | 410 |
| Net loans and leases to deposits | 107.9608% | 193 |
| Net loans and leases to core deposits | 112.5841% | 485 |
| Total domestic deposits to total assets | 75.4413% | 6,233 |
| Equity capital to assets | 10.1170% | 3,747 |
| Core capital (leverage) ratio | 9.8305% | 3,916 |
| Tier 1 risk-based capital ratio | 11.5581% | 6,027 |
| Total risk-based capital ratio | 12.8089% | 5,998 |
| Memoranda: | ||
| Average total assets | $198,031,750 | 3,083 |
| Average earning assets | $188,300,250 | 3,003 |
| Average equity | $20,744,750 | 3,106 |
| Average total loans | $170,001,250 | 2,313 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 4,365 |
| Cost of funding earning assets | 0.4533% | 4,397 |
| Net interest margin | 3.4745% | 3,902 |
| Noninterest income to average assets | 0.6996% | 2,643 |
| Noninterest expense to average assets | 3.7260% | 1,211 |
| Loan and lease loss provision to assets | 0.1469% | 2,497 |
| Net operating income to assets | 0.1261% | 6,068 |
| Return on assets (ROA) | 0.3413% | 5,609 |
| Pretax return on assets | 0.3529% | 5,742 |
| Return on Equity (ROE) | 3.2148% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.2148% | 4,261 |
| Net charge-offs to loans | 0.0291% | 4,286 |
| Credit loss provision to net charge-offs | 579.1667% | 499 |
| Earnings coverage of net charge-offs (x) | 10.9583% | 2,101 |
| Efficiency ratio | 93.0589% | 811 |
| Assets per employee ($millions) | 3.4969% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,292 |
| Loan loss allowance to noncurrent loans | 290.7910% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 4,517 |
| Noncurrent loans to loans | 0.4626% | 5,106 |
| Net loans and leases to total assets | 84.6821% | 200 |
| Net loans and leases to deposits | 111.5078% | 119 |
| Net loans and leases to core deposits | 116.9376% | 372 |
| Total domestic deposits to total assets | 75.9428% | 6,254 |
| Equity capital to assets | 10.4396% | 3,382 |
| Core capital (leverage) ratio | 11.1541% | 2,212 |
| Tier 1 risk-based capital ratio | 11.4128% | 6,154 |
| Total risk-based capital ratio | 12.6641% | 6,116 |
| Memoranda: | ||
| Average total assets | $189,263,670 | 3,205 |
| Average earning assets | $179,994,670 | 3,113 |
| Average equity | $20,094,330 | 3,196 |
| Average total loans | $164,940,670 | 2,366 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,959 |
| Cost of funding earning assets | 0.4645% | 4,435 |
| Net interest margin | 3.5736% | 3,368 |
| Noninterest income to average assets | 0.7493% | 2,341 |
| Noninterest expense to average assets | 3.8321% | 1,075 |
| Loan and lease loss provision to assets | 0.1602% | 2,273 |
| Net operating income to assets | 0.1602% | 6,005 |
| Return on assets (ROA) | 0.2121% | 5,966 |
| Pretax return on assets | 0.2121% | 6,051 |
| Return on Equity (ROE) | 1.9782% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.9782% | 5,012 |
| Net charge-offs to loans | -0.0154% | 5,606 |
| Credit loss provision to net charge-offs | -1,183.3333% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2826% | 957 |
| Assets per employee ($millions) | 3.2681% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 3,744 |
| Loan loss allowance to noncurrent loans | 263.3008% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 4,016 |
| Noncurrent loans to loans | 0.5769% | 5,000 |
| Net loans and leases to total assets | 87.4721% | 82 |
| Net loans and leases to deposits | 110.5125% | 120 |
| Net loans and leases to core deposits | 115.6168% | 358 |
| Total domestic deposits to total assets | 79.1513% | 5,933 |
| Equity capital to assets | 10.6513% | 3,378 |
| Core capital (leverage) ratio | 10.5471% | 2,710 |
| Tier 1 risk-based capital ratio | 11.7652% | 6,051 |
| Total risk-based capital ratio | 13.0188% | 6,026 |
| Memoranda: | ||
| Average total assets | $177,239,500 | 3,385 |
| Average earning assets | $168,791,500 | 3,296 |
| Average equity | $19,007,000 | 3,378 |
| Average total loans | $155,861,000 | 2,514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 4,913 |
| Cost of funding earning assets | 0.4449% | 5,625 |
| Net interest margin | 3.6650% | 3,803 |
| Noninterest income to average assets | 0.7334% | 2,571 |
| Noninterest expense to average assets | 4.1061% | 854 |
| Loan and lease loss provision to assets | 0.0080% | 5,821 |
| Net operating income to assets | 0.0939% | 6,017 |
| Return on assets (ROA) | 0.1242% | 6,103 |
| Pretax return on assets | 0.1396% | 6,085 |
| Return on Equity (ROE) | 1.0812% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.5433% | 5,578 |
| Net charge-offs to loans | 0.1130% | 4,544 |
| Credit loss provision to net charge-offs | 8.7248% | 5,410 |
| Earnings coverage of net charge-offs (x) | 1.2349% | 4,844 |
| Efficiency ratio | 97.3060% | 650 |
| Assets per employee ($millions) | 3.2359% | 5,545 |
| Cash dividends to net income (ytd only)* | 49.7512% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,551 |
| Loan loss allowance to noncurrent loans | 68.9777% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 2,034 |
| Noncurrent loans to loans | 2.2384% | 2,420 |
| Net loans and leases to total assets | 85.6858% | 141 |
| Net loans and leases to deposits | 113.4367% | 121 |
| Net loans and leases to core deposits | 117.9719% | 319 |
| Total domestic deposits to total assets | 75.5362% | 6,410 |
| Equity capital to assets | 10.7986% | 3,176 |
| Core capital (leverage) ratio | 10.6231% | 2,630 |
| Tier 1 risk-based capital ratio | 12.1223% | 5,704 |
| Total risk-based capital ratio | 13.3758% | 5,665 |
| Memoranda: | ||
| Average total assets | $161,858,400 | 3,588 |
| Average earning assets | $153,969,600 | 3,483 |
| Average equity | $18,589,600 | 3,387 |
| Average total loans | $131,837,600 | 2,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 5,232 |
| Cost of funding earning assets | 0.4382% | 5,878 |
| Net interest margin | 3.6502% | 4,005 |
| Noninterest income to average assets | 0.7799% | 2,333 |
| Noninterest expense to average assets | 4.1763% | 745 |
| Loan and lease loss provision to assets | 0.0924% | 4,437 |
| Net operating income to assets | -0.0119% | 6,300 |
| Return on assets (ROA) | 0.0177% | 6,387 |
| Pretax return on assets | 0.0303% | 6,365 |
| Return on Equity (ROE) | 0.1512% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.2088% | 6,120 |
| Net charge-offs to loans | 0.0831% | 4,560 |
| Credit loss provision to net charge-offs | 139.2405% | 2,072 |
| Earnings coverage of net charge-offs (x) | 1.1519% | 4,725 |
| Efficiency ratio | 98.2016% | 597 |
| Assets per employee ($millions) | 3.2991% | 5,443 |
| Cash dividends to net income (ytd only)* | 238.1071% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 3,148 |
| Loan loss allowance to noncurrent loans | 171.9070% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3675% | 3,559 |
| Noncurrent loans to loans | 0.9896% | 4,463 |
| Net loans and leases to total assets | 84.7081% | 192 |
| Net loans and leases to deposits | 123.6143% | 61 |
| Net loans and leases to core deposits | 127.2535% | 218 |
| Total domestic deposits to total assets | 68.5261% | 6,905 |
| Equity capital to assets | 10.8595% | 3,434 |
| Core capital (leverage) ratio | 11.4074% | 2,049 |
| Tier 1 risk-based capital ratio | 12.6349% | 5,534 |
| Total risk-based capital ratio | 13.8912% | 5,489 |
| Memoranda: | ||
| Average total assets | $158,639,000 | 3,680 |
| Average earning assets | $150,927,000 | 3,569 |
| Average equity | $18,519,750 | 3,434 |
| Average total loans | $126,779,000 | 2,974 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0143% | 5,602 |
| Cost of funding earning assets | 0.4415% | 6,023 |
| Net interest margin | 3.5728% | 4,375 |
| Noninterest income to average assets | 0.8216% | 2,091 |
| Noninterest expense to average assets | 4.4333% | 585 |
| Loan and lease loss provision to assets | -0.0104% | 7,027 |
| Net operating income to assets | -0.1970% | 6,542 |
| Return on assets (ROA) | -0.1970% | 6,614 |
| Pretax return on assets | -0.2035% | 6,590 |
| Return on Equity (ROE) | -1.6448% | 6,594 |
| Retained earnings to average equity (ytd only) | -2.1858% | 6,382 |
| Net charge-offs to loans | 0.3424% | 2,646 |
| Credit loss provision to net charge-offs | -3.9024% | 5,911 |
| Earnings coverage of net charge-offs (x) | -0.8049% | 5,278 |
| Efficiency ratio | 105.0676% | 415 |
| Assets per employee ($millions) | 3.0317% | 6,003 |
| Cash dividends to net income (ytd only)* | -32.8947% | 7,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 3,031 |
| Loan loss allowance to noncurrent loans | 137.4697% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.6169% | 3,300 |
| Noncurrent loans to loans | 1.2719% | 4,012 |
| Net loans and leases to total assets | 80.9486% | 412 |
| Net loans and leases to deposits | 111.6806% | 130 |
| Net loans and leases to core deposits | 115.0071% | 421 |
| Total domestic deposits to total assets | 72.4822% | 6,778 |
| Equity capital to assets | 11.7313% | 2,382 |
| Core capital (leverage) ratio | 11.7091% | 1,781 |
| Tier 1 risk-based capital ratio | 14.0138% | 4,442 |
| Total risk-based capital ratio | 15.2702% | 4,396 |
| Memoranda: | ||
| Average total assets | $154,333,670 | 3,760 |
| Average earning assets | $146,775,670 | 3,658 |
| Average equity | $18,483,000 | 3,430 |
| Average total loans | $119,760,000 | 3,138 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 5,842 |
| Cost of funding earning assets | 0.4408% | 6,203 |
| Net interest margin | 3.5343% | 4,550 |
| Noninterest income to average assets | 0.7414% | 2,441 |
| Noninterest expense to average assets | 4.6189% | 493 |
| Loan and lease loss provision to assets | -0.0210% | 7,121 |
| Net operating income to assets | -0.5345% | 6,842 |
| Return on assets (ROA) | -0.5345% | 6,873 |
| Pretax return on assets | -0.4952% | 6,825 |
| Return on Equity (ROE) | -4.4162% | 6,830 |
| Retained earnings to average equity (ytd only) | -4.4162% | 6,541 |
| Net charge-offs to loans | 0.1988% | 2,929 |
| Credit loss provision to net charge-offs | -14.0351% | 5,359 |
| Earnings coverage of net charge-offs (x) | -3.4561% | 4,649 |
| Efficiency ratio | 112.5798% | 307 |
| Assets per employee ($millions) | 2.9954% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 2,207 |
| Loan loss allowance to noncurrent loans | 138.6246% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.4991% | 3,616 |
| Noncurrent loans to loans | 1.4821% | 3,894 |
| Net loans and leases to total assets | 72.6389% | 1,289 |
| Net loans and leases to deposits | 102.1019% | 304 |
| Net loans and leases to core deposits | 104.9327% | 719 |
| Total domestic deposits to total assets | 71.1435% | 6,929 |
| Equity capital to assets | 11.5881% | 2,360 |
| Core capital (leverage) ratio | 11.8134% | 1,705 |
| Tier 1 risk-based capital ratio | 15.3381% | 3,536 |
| Total risk-based capital ratio | 16.5985% | 3,489 |
| Memoranda: | ||
| Average total assets | $152,677,000 | 3,827 |
| Average earning assets | $145,207,000 | 3,711 |
| Average equity | $18,477,500 | 3,429 |
| Average total loans | $114,698,000 | 3,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 6,679 |
| Cost of funding earning assets | 0.7019% | 5,529 |
| Net interest margin | 3.1418% | 6,245 |
| Noninterest income to average assets | 2.9054% | 219 |
| Noninterest expense to average assets | 4.8796% | 417 |
| Loan and lease loss provision to assets | 0.0904% | 5,456 |
| Net operating income to assets | 0.9082% | 2,566 |
| Return on assets (ROA) | 1.1197% | 1,880 |
| Pretax return on assets | 1.1197% | 2,768 |
| Return on Equity (ROE) | 11.3873% | 1,590 |
| Retained earnings to average equity (ytd only) | 10.1854% | 523 |
| Net charge-offs to loans | 0.6670% | 2,488 |
| Credit loss provision to net charge-offs | 21.1034% | 5,904 |
| Earnings coverage of net charge-offs (x) | 2.3310% | 4,052 |
| Efficiency ratio | 83.0117% | 1,882 |
| Assets per employee ($millions) | 2.9918% | 6,098 |
| Cash dividends to net income (ytd only)* | 10.5541% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2247% | 1,754 |
| Loan loss allowance to noncurrent loans | 184.8214% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 1.4332% | 3,839 |
| Noncurrent loans to loans | 1.2037% | 4,366 |
| Net loans and leases to total assets | 74.4720% | 1,182 |
| Net loans and leases to deposits | 104.7645% | 286 |
| Net loans and leases to core deposits | 106.5851% | 769 |
| Total domestic deposits to total assets | 71.0852% | 6,926 |
| Equity capital to assets | 12.6593% | 1,688 |
| Core capital (leverage) ratio | 12.1410% | 1,521 |
| Tier 1 risk-based capital ratio | 16.3840% | 2,872 |
| Total risk-based capital ratio | 17.6464% | 2,835 |
| Memoranda: | ||
| Average total assets | $169,235,400 | 3,503 |
| Average earning assets | $160,131,800 | 3,405 |
| Average equity | $16,641,400 | 3,632 |
| Average total loans | $108,697,400 | 3,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 6,869 |
| Cost of funding earning assets | 0.7628% | 5,377 |
| Net interest margin | 3.0115% | 6,564 |
| Noninterest income to average assets | 0.7379% | 2,374 |
| Noninterest expense to average assets | 4.6770% | 488 |
| Loan and lease loss provision to assets | -0.1029% | 7,356 |
| Net operating income to assets | -0.9888% | 6,880 |
| Return on assets (ROA) | -0.7158% | 6,796 |
| Pretax return on assets | -0.7158% | 6,744 |
| Return on Equity (ROE) | -7.7463% | 6,801 |
| Retained earnings to average equity (ytd only) | -8.5712% | 6,800 |
| Net charge-offs to loans | 0.6867% | 2,198 |
| Credit loss provision to net charge-offs | -24.2806% | 6,434 |
| Earnings coverage of net charge-offs (x) | -2.5756% | 6,048 |
| Efficiency ratio | 130.4486% | 224 |
| Assets per employee ($millions) | 3.3139% | 5,455 |
| Cash dividends to net income (ytd only)* | -10.6496% | 7,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 2,218 |
| Loan loss allowance to noncurrent loans | 135.9195% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 3,828 |
| Noncurrent loans to loans | 1.5053% | 4,030 |
| Net loans and leases to total assets | 61.0113% | 3,939 |
| Net loans and leases to deposits | 69.6898% | 4,346 |
| Net loans and leases to core deposits | 70.5281% | 4,886 |
| Total domestic deposits to total assets | 87.5469% | 2,327 |
| Equity capital to assets | 8.5161% | 6,281 |
| Core capital (leverage) ratio | 8.7336% | 5,361 |
| Tier 1 risk-based capital ratio | 12.9200% | 5,158 |
| Total risk-based capital ratio | 14.1790% | 5,134 |
| Memoranda: | ||
| Average total assets | $174,895,250 | 3,431 |
| Average earning assets | $165,360,250 | 3,332 |
| Average equity | $16,162,250 | 3,709 |
| Average total loans | $107,957,500 | 3,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 6,840 |
| Cost of funding earning assets | 0.8109% | 5,299 |
| Net interest margin | 3.0632% | 6,480 |
| Noninterest income to average assets | 0.7914% | 2,066 |
| Noninterest expense to average assets | 4.6914% | 490 |
| Loan and lease loss provision to assets | -0.0303% | 7,389 |
| Net operating income to assets | -0.7900% | 6,864 |
| Return on assets (ROA) | -0.7587% | 6,860 |
| Pretax return on assets | -0.9338% | 6,871 |
| Return on Equity (ROE) | -7.9844% | 6,866 |
| Retained earnings to average equity (ytd only) | -9.2128% | 6,840 |
| Net charge-offs to loans | 0.5085% | 2,576 |
| Credit loss provision to net charge-offs | -9.7015% | 6,177 |
| Earnings coverage of net charge-offs (x) | -3.2052% | 5,757 |
| Efficiency ratio | 127.1835% | 279 |
| Assets per employee ($millions) | 2.9704% | 6,146 |
| Cash dividends to net income (ytd only)* | -15.3846% | 7,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 1,313 |
| Loan loss allowance to noncurrent loans | 106.6409% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2117% | 2,963 |
| Noncurrent loans to loans | 2.4407% | 2,944 |
| Net loans and leases to total assets | 58.9760% | 4,473 |
| Net loans and leases to deposits | 67.1217% | 4,832 |
| Net loans and leases to core deposits | 68.0144% | 5,291 |
| Total domestic deposits to total assets | 87.8643% | 2,231 |
| Equity capital to assets | 9.2484% | 5,204 |
| Core capital (leverage) ratio | 9.1894% | 4,429 |
| Tier 1 risk-based capital ratio | 14.3156% | 3,922 |
| Total risk-based capital ratio | 15.5818% | 3,893 |
| Memoranda: | ||
| Average total assets | $171,334,670 | 3,506 |
| Average earning assets | $162,051,330 | 3,403 |
| Average equity | $16,281,670 | 3,684 |
| Average total loans | $105,414,000 | 3,554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0119% | 6,676 |
| Cost of funding earning assets | 0.8963% | 4,951 |
| Net interest margin | 3.1157% | 6,305 |
| Noninterest income to average assets | 0.7392% | 2,325 |
| Noninterest expense to average assets | 4.7799% | 439 |
| Loan and lease loss provision to assets | 0.0567% | 5,293 |
| Net operating income to assets | -1.1501% | 7,085 |
| Return on assets (ROA) | -1.0722% | 7,068 |
| Pretax return on assets | -1.0722% | 7,019 |
| Return on Equity (ROE) | -11.1285% | 7,052 |
| Retained earnings to average equity (ytd only) | -13.5797% | 6,997 |
| Net charge-offs to loans | -0.1142% | 7,123 |
| Credit loss provision to net charge-offs | -80.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.6605% | 262 |
| Assets per employee ($millions) | 2.7565% | 6,614 |
| Cash dividends to net income (ytd only)* | -22.0264% | 7,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9539% | 953 |
| Loan loss allowance to noncurrent loans | 88.0023% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 2.6650% | 2,575 |
| Noncurrent loans to loans | 3.3566% | 2,229 |
| Net loans and leases to total assets | 60.7660% | 4,122 |
| Net loans and leases to deposits | 70.1819% | 4,320 |
| Net loans and leases to core deposits | 71.1679% | 4,907 |
| Total domestic deposits to total assets | 86.5836% | 3,188 |
| Equity capital to assets | 9.5584% | 4,358 |
| Core capital (leverage) ratio | 9.3756% | 4,003 |
| Tier 1 risk-based capital ratio | 15.1541% | 3,340 |
| Total risk-based capital ratio | 16.4182% | 3,293 |
| Memoranda: | ||
| Average total assets | $169,376,500 | 3,566 |
| Average earning assets | $160,223,000 | 3,461 |
| Average equity | $16,318,500 | 3,673 |
| Average total loans | $105,062,000 | 3,598 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3092% | 6,781 |
| Cost of funding earning assets | 1.3755% | 3,424 |
| Net interest margin | 2.9338% | 6,847 |
| Noninterest income to average assets | 0.4891% | 4,253 |
| Noninterest expense to average assets | 4.8794% | 464 |
| Loan and lease loss provision to assets | 0.0201% | 6,913 |
| Net operating income to assets | -1.5058% | 6,913 |
| Return on assets (ROA) | -1.4465% | 6,913 |
| Pretax return on assets | -1.5659% | 6,878 |
| Return on Equity (ROE) | -17.1004% | 6,976 |
| Retained earnings to average equity (ytd only) | -17.1004% | 6,944 |
| Net charge-offs to loans | 0.9041% | 2,384 |
| Credit loss provision to net charge-offs | 3.6797% | 6,624 |
| Earnings coverage of net charge-offs (x) | -2.9470% | 6,739 |
| Efficiency ratio | 149.2583% | 216 |
| Assets per employee ($millions) | 2.7517% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9149% | 939 |
| Loan loss allowance to noncurrent loans | 88.2472% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 2.6429% | 2,632 |
| Noncurrent loans to loans | 3.3032% | 2,294 |
| Net loans and leases to total assets | 59.6590% | 4,732 |
| Net loans and leases to deposits | 70.9393% | 4,694 |
| Net loans and leases to core deposits | 71.8984% | 5,225 |
| Total domestic deposits to total assets | 84.0986% | 4,313 |
| Equity capital to assets | 9.7094% | 4,114 |
| Core capital (leverage) ratio | 9.6366% | 3,503 |
| Tier 1 risk-based capital ratio | 15.8462% | 2,819 |
| Total risk-based capital ratio | 17.1172% | 2,769 |
| Memoranda: | ||
| Average total assets | $169,099,800 | 3,554 |
| Average earning assets | $160,236,800 | 3,445 |
| Average equity | $14,303,800 | 4,071 |
| Average total loans | $102,200,600 | 3,738 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 6,795 |
| Cost of funding earning assets | 1.4689% | 3,152 |
| Net interest margin | 2.9471% | 6,933 |
| Noninterest income to average assets | 0.3967% | 4,982 |
| Noninterest expense to average assets | 4.8607% | 421 |
| Loan and lease loss provision to assets | 0.2300% | 4,770 |
| Net operating income to assets | -1.9005% | 7,213 |
| Return on assets (ROA) | -1.9132% | 7,234 |
| Pretax return on assets | -1.9132% | 7,176 |
| Return on Equity (ROE) | -23.4954% | 7,285 |
| Retained earnings to average equity (ytd only) | -23.4954% | 7,275 |
| Net charge-offs to loans | 0.8180% | 2,409 |
| Credit loss provision to net charge-offs | 46.7095% | 5,932 |
| Earnings coverage of net charge-offs (x) | -3.3932% | 6,569 |
| Efficiency ratio | 152.3656% | 193 |
| Assets per employee ($millions) | 2.9156% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6550% | 484 |
| Loan loss allowance to noncurrent loans | 92.3352% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 2.9444% | 2,461 |
| Noncurrent loans to loans | 3.9584% | 1,901 |
| Net loans and leases to total assets | 56.3358% | 5,498 |
| Net loans and leases to deposits | 67.1287% | 5,531 |
| Net loans and leases to core deposits | 68.0430% | 5,932 |
| Total domestic deposits to total assets | 83.9221% | 4,175 |
| Equity capital to assets | 9.9774% | 4,183 |
| Core capital (leverage) ratio | 9.4932% | 3,911 |
| Tier 1 risk-based capital ratio | 17.2501% | 2,263 |
| Total risk-based capital ratio | 18.5320% | 2,208 |
| Memoranda: | ||
| Average total assets | $168,722,750 | 3,610 |
| Average earning assets | $159,929,250 | 3,498 |
| Average equity | $13,738,500 | 4,263 |
| Average total loans | $101,541,000 | 3,814 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5324% | 6,629 |
| Cost of funding earning assets | 1.5396% | 3,015 |
| Net interest margin | 2.9929% | 6,841 |
| Noninterest income to average assets | 0.4199% | 4,756 |
| Noninterest expense to average assets | 4.7723% | 448 |
| Loan and lease loss provision to assets | 0.0036% | 6,846 |
| Net operating income to assets | -1.5172% | 7,155 |
| Return on assets (ROA) | -1.5362% | 7,173 |
| Pretax return on assets | -1.5362% | 7,086 |
| Return on Equity (ROE) | -20.4033% | 7,283 |
| Retained earnings to average equity (ytd only) | -20.4033% | 7,263 |
| Net charge-offs to loans | 0.2558% | 4,071 |
| Credit loss provision to net charge-offs | 2.2901% | 5,994 |
| Earnings coverage of net charge-offs (x) | -9.7405% | 6,323 |
| Efficiency ratio | 146.4507% | 221 |
| Assets per employee ($millions) | 3.0170% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8356% | 422 |
| Loan loss allowance to noncurrent loans | 53.2125% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 4.8201% | 1,345 |
| Noncurrent loans to loans | 7.2080% | 765 |
| Net loans and leases to total assets | 55.6642% | 5,756 |
| Net loans and leases to deposits | 68.7628% | 5,447 |
| Net loans and leases to core deposits | 69.8583% | 5,887 |
| Total domestic deposits to total assets | 80.9510% | 5,418 |
| Equity capital to assets | 10.3886% | 3,538 |
| Core capital (leverage) ratio | 10.1515% | 2,996 |
| Tier 1 risk-based capital ratio | 18.6100% | 1,802 |
| Total risk-based capital ratio | 19.8947% | 1,768 |
| Memoranda: | ||
| Average total assets | $168,596,330 | 3,624 |
| Average earning assets | $159,914,330 | 3,515 |
| Average equity | $12,694,000 | 4,501 |
| Average total loans | $102,428,330 | 3,818 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 6,528 |
| Cost of funding earning assets | 1.6520% | 2,639 |
| Net interest margin | 2.9594% | 6,924 |
| Noninterest income to average assets | 0.4553% | 4,420 |
| Noninterest expense to average assets | 4.8745% | 404 |
| Loan and lease loss provision to assets | 0.1845% | 4,661 |
| Net operating income to assets | -1.8046% | 7,411 |
| Return on assets (ROA) | -1.8046% | 7,411 |
| Pretax return on assets | -1.8046% | 7,349 |
| Return on Equity (ROE) | -29.7967% | 7,567 |
| Retained earnings to average equity (ytd only) | -29.7967% | 7,538 |
| Net charge-offs to loans | -0.0385% | 7,273 |
| Credit loss provision to net charge-offs | -770.0000% | 6,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.7791% | 213 |
| Assets per employee ($millions) | 3.1606% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9686% | 392 |
| Loan loss allowance to noncurrent loans | 58.4747% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 5.1215% | 1,241 |
| Noncurrent loans to loans | 6.7868% | 898 |
| Net loans and leases to total assets | 57.1795% | 5,574 |
| Net loans and leases to deposits | 69.2437% | 5,440 |
| Net loans and leases to core deposits | 70.5288% | 5,872 |
| Total domestic deposits to total assets | 82.5772% | 4,814 |
| Equity capital to assets | 10.4814% | 3,263 |
| Core capital (leverage) ratio | 10.8512% | 2,333 |
| Tier 1 risk-based capital ratio | 18.7898% | 1,772 |
| Total risk-based capital ratio | 20.0760% | 1,729 |
| Memoranda: | ||
| Average total assets | $166,911,000 | 3,715 |
| Average earning assets | $157,868,000 | 3,611 |
| Average equity | $10,108,500 | 5,210 |
| Average total loans | $103,871,500 | 3,826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1670% | 5,805 |
| Cost of funding earning assets | 2.4034% | 1,288 |
| Net interest margin | 2.7637% | 7,119 |
| Noninterest income to average assets | 0.1228% | 7,141 |
| Noninterest expense to average assets | 3.8565% | 1,577 |
| Loan and lease loss provision to assets | 2.9649% | 590 |
| Net operating income to assets | -3.9547% | 7,599 |
| Return on assets (ROA) | -3.5243% | 7,516 |
| Pretax return on assets | -3.6638% | 7,460 |
| Return on Equity (ROE) | -89.5489% | 7,901 |
| Retained earnings to average equity (ytd only) | -89.5489% | 7,899 |
| Net charge-offs to loans | 4.0054% | 411 |
| Credit loss provision to net charge-offs | 111.4429% | 4,930 |
| Earnings coverage of net charge-offs (x) | -0.4312% | 6,651 |
| Efficiency ratio | 141.1113% | 374 |
| Assets per employee ($millions) | 3.9792% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7184% | 438 |
| Loan loss allowance to noncurrent loans | 56.0671% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 5.5710% | 1,051 |
| Noncurrent loans to loans | 6.6321% | 893 |
| Net loans and leases to total assets | 62.6262% | 4,884 |
| Net loans and leases to deposits | 72.9179% | 5,205 |
| Net loans and leases to core deposits | 86.9374% | 5,434 |
| Total domestic deposits to total assets | 85.8859% | 3,067 |
| Equity capital to assets | 1.4269% | 7,979 |
| Core capital (leverage) ratio | 1.5084% | 7,971 |
| Tier 1 risk-based capital ratio | 2.5561% | 7,957 |
| Total risk-based capital ratio | 3.8391% | 7,957 |
| Memoranda: | ||
| Average total assets | $180,006,600 | 3,436 |
| Average earning assets | $168,472,600 | 3,377 |
| Average equity | $7,084,400 | 6,243 |
| Average total loans | $119,562,400 | 3,495 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 5,733 |
| Cost of funding earning assets | 2.4774% | 1,371 |
| Net interest margin | 2.7619% | 7,111 |
| Noninterest income to average assets | 0.5305% | 4,232 |
| Noninterest expense to average assets | 3.8214% | 1,556 |
| Loan and lease loss provision to assets | 2.0193% | 893 |
| Net operating income to assets | -2.5030% | 7,467 |
| Return on assets (ROA) | -1.9657% | 7,304 |
| Pretax return on assets | -2.1474% | 7,230 |
| Return on Equity (ROE) | -43.7691% | 7,788 |
| Retained earnings to average equity (ytd only) | -43.7691% | 7,784 |
| Net charge-offs to loans | 1.5652% | 1,306 |
| Credit loss provision to net charge-offs | 193.3472% | 2,335 |
| Earnings coverage of net charge-offs (x) | -0.6819% | 6,558 |
| Efficiency ratio | 121.9507% | 563 |
| Assets per employee ($millions) | 3.5500% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1707% | 261 |
| Loan loss allowance to noncurrent loans | 51.4363% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 6.8762% | 702 |
| Noncurrent loans to loans | 8.1085% | 591 |
| Net loans and leases to total assets | 62.6758% | 5,122 |
| Net loans and leases to deposits | 73.9406% | 5,372 |
| Net loans and leases to core deposits | 89.8804% | 5,444 |
| Total domestic deposits to total assets | 84.7651% | 3,340 |
| Equity capital to assets | 3.5798% | 8,020 |
| Core capital (leverage) ratio | 3.3846% | 8,014 |
| Tier 1 risk-based capital ratio | 5.7744% | 7,960 |
| Total risk-based capital ratio | 7.0636% | 7,966 |
| Memoranda: | ||
| Average total assets | $184,221,000 | 3,400 |
| Average earning assets | $172,001,000 | 3,344 |
| Average equity | $8,273,500 | 5,893 |
| Average total loans | $122,923,000 | 3,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 5,587 |
| Cost of funding earning assets | 2.5313% | 1,503 |
| Net interest margin | 2.7842% | 7,044 |
| Noninterest income to average assets | 0.4722% | 4,697 |
| Noninterest expense to average assets | 3.7475% | 1,745 |
| Loan and lease loss provision to assets | 0.5926% | 2,667 |
| Net operating income to assets | -0.7866% | 6,825 |
| Return on assets (ROA) | -0.3944% | 6,450 |
| Pretax return on assets | -0.6619% | 6,575 |
| Return on Equity (ROE) | -8.2629% | 6,912 |
| Retained earnings to average equity (ytd only) | -8.2629% | 6,698 |
| Net charge-offs to loans | 1.8035% | 1,045 |
| Credit loss provision to net charge-offs | 48.9437% | 5,784 |
| Earnings coverage of net charge-offs (x) | -0.5634% | 6,107 |
| Efficiency ratio | 121.2100% | 646 |
| Assets per employee ($millions) | 3.0045% | 6,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3961% | 998 |
| Loan loss allowance to noncurrent loans | 30.8551% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 6.3378% | 736 |
| Noncurrent loans to loans | 7.7658% | 582 |
| Net loans and leases to total assets | 61.6212% | 5,420 |
| Net loans and leases to deposits | 72.9211% | 5,614 |
| Net loans and leases to core deposits | 88.9864% | 5,633 |
| Total domestic deposits to total assets | 84.5040% | 3,503 |
| Equity capital to assets | 4.4063% | 8,079 |
| Core capital (leverage) ratio | 4.4718% | 8,056 |
| Tier 1 risk-based capital ratio | 7.5287% | 7,957 |
| Total risk-based capital ratio | 8.7933% | 7,966 |
| Memoranda: | ||
| Average total assets | $187,645,000 | 3,364 |
| Average earning assets | $174,772,000 | 3,332 |
| Average equity | $8,955,670 | 5,698 |
| Average total loans | $125,974,330 | 3,421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4927% | 4,951 |
| Cost of funding earning assets | 2.6100% | 1,532 |
| Net interest margin | 2.8827% | 6,794 |
| Noninterest income to average assets | 0.5246% | 4,099 |
| Noninterest expense to average assets | 3.3813% | 2,413 |
| Loan and lease loss provision to assets | 0.3844% | 3,019 |
| Net operating income to assets | -0.0489% | 6,333 |
| Return on assets (ROA) | 1.1724% | 1,847 |
| Pretax return on assets | 0.6521% | 4,584 |
| Return on Equity (ROE) | 23.6669% | 230 |
| Retained earnings to average equity (ytd only) | 23.6669% | 101 |
| Net charge-offs to loans | 0.0400% | 4,933 |
| Credit loss provision to net charge-offs | 1,392.3077% | 458 |
| Earnings coverage of net charge-offs (x) | -6.6923% | 5,589 |
| Efficiency ratio | 104.7176% | 960 |
| Assets per employee ($millions) | 3.5874% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8061% | 575 |
| Loan loss allowance to noncurrent loans | 32.1059% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 7.2634% | 452 |
| Noncurrent loans to loans | 8.7401% | 380 |
| Net loans and leases to total assets | 64.9628% | 4,817 |
| Net loans and leases to deposits | 77.2495% | 5,049 |
| Net loans and leases to core deposits | 94.4875% | 5,114 |
| Total domestic deposits to total assets | 84.0947% | 3,659 |
| Equity capital to assets | 4.9923% | 8,116 |
| Core capital (leverage) ratio | 4.9553% | 8,129 |
| Tier 1 risk-based capital ratio | 7.5793% | 8,050 |
| Total risk-based capital ratio | 8.8490% | 8,061 |
| Memoranda: | ||
| Average total assets | $188,327,500 | 3,376 |
| Average earning assets | $174,559,000 | 3,355 |
| Average equity | $9,329,500 | 5,592 |
| Average total loans | $130,158,500 | 3,359 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2654% | 4,155 |
| Cost of funding earning assets | 2.9326% | 2,136 |
| Net interest margin | 3.3328% | 5,921 |
| Noninterest income to average assets | 0.6263% | 3,664 |
| Noninterest expense to average assets | 3.8398% | 1,678 |
| Loan and lease loss provision to assets | 1.4847% | 911 |
| Net operating income to assets | -1.6103% | 7,507 |
| Return on assets (ROA) | -3.1646% | 7,833 |
| Pretax return on assets | -3.1646% | 7,745 |
| Return on Equity (ROE) | -45.3540% | 8,124 |
| Retained earnings to average equity (ytd only) | -45.3540% | 8,097 |
| Net charge-offs to loans | 0.7124% | 1,734 |
| Credit loss provision to net charge-offs | 285.6695% | 1,594 |
| Earnings coverage of net charge-offs (x) | -0.2416% | 6,392 |
| Efficiency ratio | 102.0638% | 911 |
| Assets per employee ($millions) | 3.3308% | 5,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5504% | 648 |
| Loan loss allowance to noncurrent loans | 53.6385% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 5.1264% | 666 |
| Noncurrent loans to loans | 4.7547% | 970 |
| Net loans and leases to total assets | 69.6096% | 4,116 |
| Net loans and leases to deposits | 88.4551% | 3,728 |
| Net loans and leases to core deposits | 106.8590% | 4,099 |
| Total domestic deposits to total assets | 78.6949% | 5,485 |
| Equity capital to assets | 4.9147% | 8,198 |
| Core capital (leverage) ratio | 4.8108% | 8,225 |
| Tier 1 risk-based capital ratio | 6.4241% | 8,210 |
| Total risk-based capital ratio | 7.6892% | 8,213 |
| Memoranda: | ||
| Average total assets | $183,940,200 | 3,355 |
| Average earning assets | $170,428,800 | 3,328 |
| Average equity | $12,834,600 | 4,616 |
| Average total loans | $134,191,200 | 3,191 |