Home > HomeStar Bank and Financial Services > Performance and Condition Ratios
HomeStar Bank and Financial Services, Performance and Condition Ratios
| 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 | 1.4484% | 5,241 |
| Cost of funding earning assets | 0.1267% | 5,152 |
| Net interest margin | 1.3216% | 5,227 |
| Noninterest income to average assets | 0.5445% | 2,493 |
| Noninterest expense to average assets | 1.1281% | 5,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4604% | 4,609 |
| Return on assets (ROA) | 0.4604% | 4,639 |
| Pretax return on assets | 0.6394% | 4,468 |
| Return on Equity (ROE) | 5.2840% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.2840% | 2,741 |
| Net charge-offs to loans | -0.0079% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1303% | 3,622 |
| Assets per employee ($millions) | 4.5092% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0061% | 5,204 |
| Loan loss allowance to noncurrent loans | 1.7128% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 2,636 |
| Noncurrent loans to loans | 0.3581% | 3,260 |
| Net loans and leases to total assets | 53.4092% | 4,224 |
| Net loans and leases to deposits | 61.4918% | 4,316 |
| Net loans and leases to core deposits | 64.1057% | 4,361 |
| Total domestic deposits to total assets | 86.8559% | 1,594 |
| Equity capital to assets | 9.3025% | 4,596 |
| Core capital (leverage) ratio | 6.4368% | 5,238 |
| Tier 1 risk-based capital ratio | 11.2765% | 4,775 |
| Total risk-based capital ratio | 11.4091% | 5,089 |
| Memoranda: | ||
| Average total assets | $381,997,000 | 1,810 |
| Average earning assets | $353,490,500 | 1,815 |
| Average equity | $33,281,750 | 2,237 |
| Average total loans | $219,922,500 | 2,043 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 3,639 |
| Cost of funding earning assets | 0.2847% | 4,864 |
| Net interest margin | 4.0129% | 1,883 |
| Noninterest income to average assets | 4.8411% | 97 |
| Noninterest expense to average assets | 5.5657% | 159 |
| Loan and lease loss provision to assets | 0.1490% | 1,233 |
| Net operating income to assets | 2.8606% | 100 |
| Return on assets (ROA) | 1.2104% | 2,174 |
| Pretax return on assets | 1.1998% | 2,901 |
| Return on Equity (ROE) | 14.2308% | 927 |
| Retained earnings to average equity (ytd only) | 14.2308% | 217 |
| Net charge-offs to loans | 0.1824% | 903 |
| Credit loss provision to net charge-offs | 138.4236% | 1,583 |
| Earnings coverage of net charge-offs (x) | 27.8522% | 1,526 |
| Efficiency ratio | 64.9842% | 2,979 |
| Assets per employee ($millions) | 2.8147% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 1,469 |
| Loan loss allowance to noncurrent loans | 287.2531% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,377 |
| Noncurrent loans to loans | 0.5001% | 2,781 |
| Net loans and leases to total assets | 58.6442% | 3,853 |
| Net loans and leases to deposits | 68.2148% | 3,953 |
| Net loans and leases to core deposits | 68.4372% | 4,186 |
| Total domestic deposits to total assets | 85.9699% | 2,048 |
| Equity capital to assets | 9.4048% | 4,497 |
| Core capital (leverage) ratio | 8.2304% | 5,096 |
| Tier 1 risk-based capital ratio | 13.8296% | 3,407 |
| Total risk-based capital ratio | 15.0820% | 3,306 |
| Memoranda: | ||
| Average total assets | $377,060,000 | 1,837 |
| Average earning assets | $349,870,330 | 1,834 |
| Average equity | $32,071,330 | 2,299 |
| Average total loans | $222,581,670 | 2,034 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,883 |
| Cost of funding earning assets | 0.2711% | 4,927 |
| Net interest margin | 3.9253% | 2,113 |
| Noninterest income to average assets | 1.8984% | 267 |
| Noninterest expense to average assets | 4.4702% | 298 |
| Loan and lease loss provision to assets | 0.1638% | 1,031 |
| Net operating income to assets | 0.9105% | 3,197 |
| Return on assets (ROA) | -2.3995% | 5,326 |
| Pretax return on assets | -2.4206% | 5,321 |
| Return on Equity (ROE) | -29.7671% | 5,342 |
| Retained earnings to average equity (ytd only) | -29.7671% | 5,302 |
| Net charge-offs to loans | 0.3919% | 393 |
| Credit loss provision to net charge-offs | 71.1009% | 1,841 |
| Earnings coverage of net charge-offs (x) | 4.7156% | 2,309 |
| Efficiency ratio | 80.4451% | 1,014 |
| Assets per employee ($millions) | 2.4927% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 1,765 |
| Loan loss allowance to noncurrent loans | 311.1902% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 2,092 |
| Noncurrent loans to loans | 0.4421% | 2,997 |
| Net loans and leases to total assets | 57.4994% | 3,942 |
| Net loans and leases to deposits | 64.6385% | 4,146 |
| Net loans and leases to core deposits | 64.8854% | 4,334 |
| Total domestic deposits to total assets | 88.9554% | 876 |
| Equity capital to assets | 8.0359% | 5,171 |
| Core capital (leverage) ratio | 7.0909% | 5,315 |
| Tier 1 risk-based capital ratio | 12.1603% | 4,376 |
| Total risk-based capital ratio | 13.4127% | 4,254 |
| Memoranda: | ||
| Average total assets | $378,414,500 | 1,844 |
| Average earning assets | $352,690,000 | 1,835 |
| Average equity | $30,503,500 | 2,386 |
| Average total loans | $222,505,000 | 2,049 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 4,137 |
| Cost of funding earning assets | 0.2109% | 4,961 |
| Net interest margin | 3.7500% | 2,859 |
| Noninterest income to average assets | 2.5685% | 191 |
| Noninterest expense to average assets | 4.7833% | 241 |
| Loan and lease loss provision to assets | 0.0960% | 2,239 |
| Net operating income to assets | 1.1771% | 2,279 |
| Return on assets (ROA) | 1.1733% | 2,289 |
| Pretax return on assets | 1.1733% | 2,999 |
| Return on Equity (ROE) | 15.3370% | 758 |
| Retained earnings to average equity (ytd only) | 15.3370% | 105 |
| Net charge-offs to loans | 0.0546% | 2,366 |
| Credit loss provision to net charge-offs | 301.7241% | 1,026 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,307 |
| Efficiency ratio | 78.9788% | 1,041 |
| Assets per employee ($millions) | 2.4539% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,630 |
| Loan loss allowance to noncurrent loans | 140.1257% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0153% | 1,346 |
| Noncurrent loans to loans | 1.0007% | 1,623 |
| Net loans and leases to total assets | 58.4725% | 3,914 |
| Net loans and leases to deposits | 65.9131% | 4,127 |
| Net loans and leases to core deposits | 66.1689% | 4,342 |
| Total domestic deposits to total assets | 88.7115% | 974 |
| Equity capital to assets | 8.0877% | 5,130 |
| Core capital (leverage) ratio | 7.7504% | 5,288 |
| Tier 1 risk-based capital ratio | 11.6792% | 4,634 |
| Total risk-based capital ratio | 12.9296% | 4,517 |
| Memoranda: | ||
| Average total assets | $364,452,000 | 1,859 |
| Average earning assets | $338,988,000 | 1,850 |
| Average equity | $27,880,200 | 2,464 |
| Average total loans | $212,427,600 | 2,080 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8824% | 4,249 |
| Cost of funding earning assets | 0.1949% | 5,036 |
| Net interest margin | 3.6875% | 3,066 |
| Noninterest income to average assets | 2.4771% | 208 |
| Noninterest expense to average assets | 4.5137% | 292 |
| Loan and lease loss provision to assets | 0.1342% | 1,494 |
| Net operating income to assets | 1.2607% | 1,994 |
| Return on assets (ROA) | 1.2607% | 2,001 |
| Pretax return on assets | 1.2607% | 2,766 |
| Return on Equity (ROE) | 16.7280% | 580 |
| Retained earnings to average equity (ytd only) | 16.7280% | 114 |
| Net charge-offs to loans | 0.0470% | 2,156 |
| Credit loss provision to net charge-offs | 491.8919% | 720 |
| Earnings coverage of net charge-offs (x) | 51.1373% | 1,157 |
| Efficiency ratio | 76.3928% | 1,300 |
| Assets per employee ($millions) | 2.4909% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 1,544 |
| Loan loss allowance to noncurrent loans | 72.9568% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 1,140 |
| Noncurrent loans to loans | 1.9785% | 750 |
| Net loans and leases to total assets | 58.8615% | 3,962 |
| Net loans and leases to deposits | 65.8869% | 4,209 |
| Net loans and leases to core deposits | 66.0433% | 4,408 |
| Total domestic deposits to total assets | 89.3371% | 725 |
| Equity capital to assets | 7.6644% | 5,275 |
| Core capital (leverage) ratio | 7.5355% | 5,389 |
| Tier 1 risk-based capital ratio | 11.7418% | 4,637 |
| Total risk-based capital ratio | 12.9930% | 4,534 |
| Memoranda: | ||
| Average total assets | $361,703,750 | 1,878 |
| Average earning assets | $336,591,750 | 1,875 |
| Average equity | $27,259,000 | 2,506 |
| Average total loans | $209,871,000 | 2,097 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 4,410 |
| Cost of funding earning assets | 0.1669% | 5,171 |
| Net interest margin | 3.6055% | 3,286 |
| Noninterest income to average assets | 2.5532% | 205 |
| Noninterest expense to average assets | 4.4693% | 301 |
| Loan and lease loss provision to assets | 0.1263% | 1,567 |
| Net operating income to assets | 1.3122% | 1,724 |
| Return on assets (ROA) | 1.3122% | 1,722 |
| Pretax return on assets | 1.3122% | 2,461 |
| Return on Equity (ROE) | 17.5140% | 476 |
| Retained earnings to average equity (ytd only) | 17.5140% | 111 |
| Net charge-offs to loans | -0.0339% | 4,784 |
| Credit loss provision to net charge-offs | -648.5714% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6500% | 1,475 |
| Assets per employee ($millions) | 2.4019% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4878% | 1,434 |
| Loan loss allowance to noncurrent loans | 68.2705% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 1,057 |
| Noncurrent loans to loans | 2.1793% | 649 |
| Net loans and leases to total assets | 57.5074% | 4,038 |
| Net loans and leases to deposits | 64.4554% | 4,250 |
| Net loans and leases to core deposits | 64.6793% | 4,451 |
| Total domestic deposits to total assets | 89.2204% | 846 |
| Equity capital to assets | 7.6339% | 5,338 |
| Core capital (leverage) ratio | 7.6202% | 5,426 |
| Tier 1 risk-based capital ratio | 11.6807% | 4,704 |
| Total risk-based capital ratio | 12.9322% | 4,581 |
| Memoranda: | ||
| Average total assets | $359,387,670 | 1,889 |
| Average earning assets | $334,375,330 | 1,890 |
| Average equity | $26,927,000 | 2,535 |
| Average total loans | $206,437,330 | 2,138 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6123% | 4,677 |
| Cost of funding earning assets | 0.1600% | 5,225 |
| Net interest margin | 3.4523% | 3,695 |
| Noninterest income to average assets | 2.0439% | 265 |
| Noninterest expense to average assets | 4.3227% | 347 |
| Loan and lease loss provision to assets | 0.1018% | 1,826 |
| Net operating income to assets | 0.8285% | 3,598 |
| Return on assets (ROA) | 0.8285% | 3,609 |
| Pretax return on assets | 0.8285% | 4,085 |
| Return on Equity (ROE) | 11.1651% | 1,901 |
| Retained earnings to average equity (ytd only) | 11.1651% | 855 |
| Net charge-offs to loans | 0.0039% | 2,598 |
| Credit loss provision to net charge-offs | 4,550.0000% | 80 |
| Earnings coverage of net charge-offs (x) | 416.0000% | 159 |
| Efficiency ratio | 82.2903% | 924 |
| Assets per employee ($millions) | 2.3788% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,758 |
| Loan loss allowance to noncurrent loans | 62.6210% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.4127% | 1,020 |
| Noncurrent loans to loans | 2.2700% | 645 |
| Net loans and leases to total assets | 57.8573% | 3,951 |
| Net loans and leases to deposits | 63.1318% | 4,267 |
| Net loans and leases to core deposits | 63.3000% | 4,466 |
| Total domestic deposits to total assets | 91.6452% | 161 |
| Equity capital to assets | 7.3686% | 5,457 |
| Core capital (leverage) ratio | 7.3048% | 5,526 |
| Tier 1 risk-based capital ratio | 11.3053% | 4,974 |
| Total risk-based capital ratio | 12.5571% | 4,865 |
| Memoranda: | ||
| Average total assets | $357,739,500 | 1,907 |
| Average earning assets | $332,530,000 | 1,914 |
| Average equity | $26,547,000 | 2,580 |
| Average total loans | $203,796,000 | 2,169 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 4,481 |
| Cost of funding earning assets | 0.1744% | 5,125 |
| Net interest margin | 3.4647% | 3,640 |
| Noninterest income to average assets | 1.7053% | 376 |
| Noninterest expense to average assets | 4.0561% | 494 |
| Loan and lease loss provision to assets | 0.0315% | 3,643 |
| Net operating income to assets | 0.4309% | 4,586 |
| Return on assets (ROA) | 0.4577% | 4,529 |
| Pretax return on assets | 0.8292% | 4,167 |
| Return on Equity (ROE) | 6.1095% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.1095% | 1,475 |
| Net charge-offs to loans | 0.0321% | 3,151 |
| Credit loss provision to net charge-offs | 174.6032% | 1,555 |
| Earnings coverage of net charge-offs (x) | 45.3810% | 1,168 |
| Efficiency ratio | 83.2031% | 842 |
| Assets per employee ($millions) | 2.3910% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,558 |
| Loan loss allowance to noncurrent loans | 60.9154% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 882 |
| Noncurrent loans to loans | 2.3924% | 580 |
| Net loans and leases to total assets | 54.4474% | 4,321 |
| Net loans and leases to deposits | 59.2975% | 4,611 |
| Net loans and leases to core deposits | 59.5049% | 4,776 |
| Total domestic deposits to total assets | 91.8209% | 94 |
| Equity capital to assets | 7.4726% | 5,539 |
| Core capital (leverage) ratio | 7.1150% | 5,592 |
| Tier 1 risk-based capital ratio | 11.3462% | 4,951 |
| Total risk-based capital ratio | 12.6015% | 4,826 |
| Memoranda: | ||
| Average total assets | $349,152,000 | 1,920 |
| Average earning assets | $319,417,200 | 1,940 |
| Average equity | $26,156,200 | 2,598 |
| Average total loans | $196,039,400 | 2,192 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 4,493 |
| Cost of funding earning assets | 0.1776% | 5,147 |
| Net interest margin | 3.4525% | 3,670 |
| Noninterest income to average assets | 1.6860% | 400 |
| Noninterest expense to average assets | 3.9021% | 589 |
| Loan and lease loss provision to assets | 0.0423% | 3,261 |
| Net operating income to assets | 0.8874% | 3,088 |
| Return on assets (ROA) | 0.9420% | 2,883 |
| Pretax return on assets | 0.9420% | 3,891 |
| Return on Equity (ROE) | 12.5662% | 1,162 |
| Retained earnings to average equity (ytd only) | 12.5662% | 255 |
| Net charge-offs to loans | 0.0464% | 2,518 |
| Credit loss provision to net charge-offs | 161.7647% | 1,586 |
| Earnings coverage of net charge-offs (x) | 35.5606% | 1,409 |
| Efficiency ratio | 80.7591% | 1,017 |
| Assets per employee ($millions) | 2.4427% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 1,672 |
| Loan loss allowance to noncurrent loans | 56.0459% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7068% | 842 |
| Noncurrent loans to loans | 2.6082% | 557 |
| Net loans and leases to total assets | 55.6376% | 4,262 |
| Net loans and leases to deposits | 60.6163% | 4,608 |
| Net loans and leases to core deposits | 60.8845% | 4,773 |
| Total domestic deposits to total assets | 91.7864% | 76 |
| Equity capital to assets | 7.9273% | 5,538 |
| Core capital (leverage) ratio | 7.1437% | 5,661 |
| Tier 1 risk-based capital ratio | 11.1836% | 5,134 |
| Total risk-based capital ratio | 12.4403% | 5,037 |
| Memoranda: | ||
| Average total assets | $346,776,000 | 1,942 |
| Average earning assets | $315,973,000 | 1,971 |
| Average equity | $25,995,000 | 2,628 |
| Average total loans | $195,507,500 | 2,203 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 4,410 |
| Cost of funding earning assets | 0.1786% | 5,151 |
| Net interest margin | 3.4577% | 3,558 |
| Noninterest income to average assets | 1.6494% | 420 |
| Noninterest expense to average assets | 3.8736% | 614 |
| Loan and lease loss provision to assets | 0.0636% | 2,698 |
| Net operating income to assets | 0.8580% | 3,125 |
| Return on assets (ROA) | 0.9239% | 2,843 |
| Pretax return on assets | 0.9239% | 3,850 |
| Return on Equity (ROE) | 12.5678% | 1,150 |
| Retained earnings to average equity (ytd only) | 12.5678% | 275 |
| Net charge-offs to loans | 0.0400% | 2,402 |
| Credit loss provision to net charge-offs | 282.0513% | 1,000 |
| Earnings coverage of net charge-offs (x) | 40.8718% | 1,231 |
| Efficiency ratio | 80.7813% | 1,126 |
| Assets per employee ($millions) | 2.4452% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 1,649 |
| Loan loss allowance to noncurrent loans | 84.0889% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 1,212 |
| Noncurrent loans to loans | 1.7598% | 1,027 |
| Net loans and leases to total assets | 57.4528% | 4,083 |
| Net loans and leases to deposits | 62.6576% | 4,461 |
| Net loans and leases to core deposits | 62.9466% | 4,669 |
| Total domestic deposits to total assets | 91.6934% | 105 |
| Equity capital to assets | 7.9264% | 5,565 |
| Core capital (leverage) ratio | 6.8115% | 5,724 |
| Tier 1 risk-based capital ratio | 11.0116% | 5,243 |
| Total risk-based capital ratio | 12.2698% | 5,142 |
| Memoranda: | ||
| Average total assets | $345,934,670 | 1,945 |
| Average earning assets | $314,719,000 | 1,980 |
| Average equity | $25,430,000 | 2,673 |
| Average total loans | $194,935,000 | 2,216 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5485% | 4,558 |
| Cost of funding earning assets | 0.1760% | 5,184 |
| Net interest margin | 3.3726% | 3,745 |
| Noninterest income to average assets | 1.5638% | 461 |
| Noninterest expense to average assets | 3.7124% | 765 |
| Loan and lease loss provision to assets | 0.1256% | 1,531 |
| Net operating income to assets | 0.7904% | 3,265 |
| Return on assets (ROA) | 0.7904% | 3,322 |
| Pretax return on assets | 0.7904% | 4,140 |
| Return on Equity (ROE) | 11.1741% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.1741% | 579 |
| Net charge-offs to loans | 0.0783% | 1,552 |
| Credit loss provision to net charge-offs | 289.4737% | 807 |
| Earnings coverage of net charge-offs (x) | 21.1053% | 1,460 |
| Efficiency ratio | 80.2073% | 1,358 |
| Assets per employee ($millions) | 2.5232% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,738 |
| Loan loss allowance to noncurrent loans | 66.6896% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.9546% | 682 |
| Noncurrent loans to loans | 2.2291% | 753 |
| Net loans and leases to total assets | 54.2596% | 4,320 |
| Net loans and leases to deposits | 58.6773% | 4,651 |
| Net loans and leases to core deposits | 58.9316% | 4,830 |
| Total domestic deposits to total assets | 92.4713% | 62 |
| Equity capital to assets | 7.1316% | 5,740 |
| Core capital (leverage) ratio | 6.5586% | 5,791 |
| Tier 1 risk-based capital ratio | 10.5428% | 5,524 |
| Total risk-based capital ratio | 11.8026% | 5,440 |
| Memoranda: | ||
| Average total assets | $350,181,000 | 1,932 |
| Average earning assets | $318,215,000 | 1,975 |
| Average equity | $24,771,500 | 2,729 |
| Average total loans | $194,011,500 | 2,231 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 4,721 |
| Cost of funding earning assets | 0.1965% | 5,048 |
| Net interest margin | 3.3270% | 4,066 |
| Noninterest income to average assets | 1.7023% | 420 |
| Noninterest expense to average assets | 4.2557% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5080% | 4,597 |
| Return on assets (ROA) | 0.7688% | 3,556 |
| Pretax return on assets | 0.7762% | 4,253 |
| Return on Equity (ROE) | 13.9214% | 791 |
| Retained earnings to average equity (ytd only) | 13.9214% | 132 |
| Net charge-offs to loans | 0.2998% | 923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 3.0383% | 3,729 |
| Efficiency ratio | 89.2472% | 602 |
| Assets per employee ($millions) | 2.3430% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,758 |
| Loan loss allowance to noncurrent loans | 67.5946% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 2.1388% | 619 |
| Noncurrent loans to loans | 2.1883% | 782 |
| Net loans and leases to total assets | 56.0870% | 4,258 |
| Net loans and leases to deposits | 59.3997% | 4,715 |
| Net loans and leases to core deposits | 59.6668% | 4,875 |
| Total domestic deposits to total assets | 94.4230% | 16 |
| Equity capital to assets | 5.0281% | 5,877 |
| Core capital (leverage) ratio | 6.0436% | 5,856 |
| Tier 1 risk-based capital ratio | 9.9527% | 5,751 |
| Total risk-based capital ratio | 11.2076% | 5,711 |
| Memoranda: | ||
| Average total assets | $340,134,200 | 1,948 |
| Average earning assets | $313,468,000 | 1,954 |
| Average equity | $18,784,000 | 3,301 |
| Average total loans | $191,442,600 | 2,195 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 4,763 |
| Cost of funding earning assets | 0.2006% | 5,059 |
| Net interest margin | 3.3165% | 4,136 |
| Noninterest income to average assets | 1.6376% | 456 |
| Noninterest expense to average assets | 4.1557% | 504 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5348% | 4,555 |
| Return on assets (ROA) | 0.8853% | 3,112 |
| Pretax return on assets | 0.8853% | 4,027 |
| Return on Equity (ROE) | 15.6830% | 583 |
| Retained earnings to average equity (ytd only) | 15.6830% | 115 |
| Net charge-offs to loans | 0.3625% | 620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.6288% | 3,540 |
| Efficiency ratio | 88.5988% | 642 |
| Assets per employee ($millions) | 2.4448% | 5,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,718 |
| Loan loss allowance to noncurrent loans | 75.6863% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.0625% | 748 |
| Noncurrent loans to loans | 2.0010% | 982 |
| Net loans and leases to total assets | 54.2289% | 4,479 |
| Net loans and leases to deposits | 57.9434% | 4,879 |
| Net loans and leases to core deposits | 58.2960% | 5,033 |
| Total domestic deposits to total assets | 93.5894% | 22 |
| Equity capital to assets | 6.0097% | 5,932 |
| Core capital (leverage) ratio | 5.8823% | 5,930 |
| Tier 1 risk-based capital ratio | 9.9829% | 5,792 |
| Total risk-based capital ratio | 11.2446% | 5,753 |
| Memoranda: | ||
| Average total assets | $340,821,500 | 1,946 |
| Average earning assets | $313,736,750 | 1,955 |
| Average equity | $19,239,000 | 3,263 |
| Average total loans | $191,285,750 | 2,197 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 4,807 |
| Cost of funding earning assets | 0.2115% | 5,027 |
| Net interest margin | 3.3102% | 4,196 |
| Noninterest income to average assets | 1.4892% | 534 |
| Noninterest expense to average assets | 4.1493% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3803% | 5,091 |
| Return on assets (ROA) | 0.2811% | 5,450 |
| Pretax return on assets | 0.2811% | 5,527 |
| Return on Equity (ROE) | 5.0915% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.0915% | 2,666 |
| Net charge-offs to loans | 0.5059% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.3306% | 3,423 |
| Efficiency ratio | 91.6047% | 517 |
| Assets per employee ($millions) | 2.2666% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,827 |
| Loan loss allowance to noncurrent loans | 70.2541% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 670 |
| Noncurrent loans to loans | 2.1476% | 897 |
| Net loans and leases to total assets | 57.0364% | 4,209 |
| Net loans and leases to deposits | 61.5558% | 4,693 |
| Net loans and leases to core deposits | 61.9480% | 4,893 |
| Total domestic deposits to total assets | 92.6582% | 42 |
| Equity capital to assets | 6.2290% | 6,006 |
| Core capital (leverage) ratio | 5.3318% | 6,021 |
| Tier 1 risk-based capital ratio | 9.0589% | 5,998 |
| Total risk-based capital ratio | 10.3235% | 5,993 |
| Memoranda: | ||
| Average total assets | $338,709,330 | 1,969 |
| Average earning assets | $311,095,000 | 1,981 |
| Average equity | $18,697,670 | 3,338 |
| Average total loans | $191,329,330 | 2,199 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3574% | 5,213 |
| Cost of funding earning assets | 0.2091% | 5,116 |
| Net interest margin | 3.1483% | 4,733 |
| Noninterest income to average assets | 1.4797% | 512 |
| Noninterest expense to average assets | 4.1959% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1681% | 5,590 |
| Return on assets (ROA) | -0.4654% | 5,963 |
| Pretax return on assets | -0.4654% | 5,953 |
| Return on Equity (ROE) | -9.0008% | 6,020 |
| Retained earnings to average equity (ytd only) | -9.0008% | 5,779 |
| Net charge-offs to loans | 0.9080% | 214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.3318% | 2,938 |
| Efficiency ratio | 96.1487% | 394 |
| Assets per employee ($millions) | 2.4846% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,721 |
| Loan loss allowance to noncurrent loans | 79.8715% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 833 |
| Noncurrent loans to loans | 1.9637% | 1,101 |
| Net loans and leases to total assets | 54.2244% | 4,433 |
| Net loans and leases to deposits | 57.9401% | 4,857 |
| Net loans and leases to core deposits | 58.2953% | 5,029 |
| Total domestic deposits to total assets | 93.5870% | 28 |
| Equity capital to assets | 5.1453% | 6,087 |
| Core capital (leverage) ratio | 5.1010% | 6,088 |
| Tier 1 risk-based capital ratio | 8.5905% | 6,066 |
| Total risk-based capital ratio | 9.8545% | 6,066 |
| Memoranda: | ||
| Average total assets | $340,333,500 | 1,968 |
| Average earning assets | $311,788,000 | 1,986 |
| Average equity | $17,598,500 | 3,498 |
| Average total loans | $189,861,000 | 2,214 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4760% | 4,990 |
| Cost of funding earning assets | 0.2172% | 5,121 |
| Net interest margin | 3.2587% | 4,442 |
| Noninterest income to average assets | 2.1272% | 321 |
| Noninterest expense to average assets | 4.8142% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3042% | 5,348 |
| Return on assets (ROA) | 0.4854% | 4,835 |
| Pretax return on assets | 0.4854% | 5,142 |
| Return on Equity (ROE) | 9.4688% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.4688% | 539 |
| Net charge-offs to loans | 0.2308% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.3372% | 3,928 |
| Efficiency ratio | 94.0569% | 481 |
| Assets per employee ($millions) | 2.3950% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 1,127 |
| Loan loss allowance to noncurrent loans | 63.8915% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3000% | 708 |
| Noncurrent loans to loans | 2.8211% | 599 |
| Net loans and leases to total assets | 55.4875% | 4,340 |
| Net loans and leases to deposits | 59.4050% | 4,815 |
| Net loans and leases to core deposits | 59.9193% | 4,984 |
| Total domestic deposits to total assets | 93.4054% | 39 |
| Equity capital to assets | 5.1973% | 6,141 |
| Core capital (leverage) ratio | 5.3212% | 6,141 |
| Tier 1 risk-based capital ratio | 9.3931% | 6,062 |
| Total risk-based capital ratio | 10.6564% | 6,044 |
| Memoranda: | ||
| Average total assets | $334,991,200 | 1,961 |
| Average earning assets | $307,481,800 | 1,979 |
| Average equity | $17,172,200 | 3,507 |
| Average total loans | $188,938,600 | 2,163 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4984% | 4,988 |
| Cost of funding earning assets | 0.2188% | 5,199 |
| Net interest margin | 3.2796% | 4,428 |
| Noninterest income to average assets | 2.1362% | 327 |
| Noninterest expense to average assets | 4.5651% | 390 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5780% | 4,488 |
| Return on assets (ROA) | 0.6991% | 4,015 |
| Pretax return on assets | 0.6991% | 4,684 |
| Return on Equity (ROE) | 13.6848% | 964 |
| Retained earnings to average equity (ytd only) | 13.6848% | 228 |
| Net charge-offs to loans | 0.0508% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.1661% | 1,885 |
| Efficiency ratio | 88.7607% | 780 |
| Assets per employee ($millions) | 2.4989% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 897 |
| Loan loss allowance to noncurrent loans | 78.8606% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 2.1891% | 876 |
| Noncurrent loans to loans | 2.5538% | 791 |
| Net loans and leases to total assets | 54.5014% | 4,512 |
| Net loans and leases to deposits | 58.3821% | 4,964 |
| Net loans and leases to core deposits | 58.8843% | 5,139 |
| Total domestic deposits to total assets | 93.3529% | 37 |
| Equity capital to assets | 5.4966% | 6,218 |
| Core capital (leverage) ratio | 5.2975% | 6,222 |
| Tier 1 risk-based capital ratio | 9.5437% | 6,138 |
| Total risk-based capital ratio | 10.8138% | 6,108 |
| Memoranda: | ||
| Average total assets | $334,912,500 | 1,971 |
| Average earning assets | $307,062,750 | 1,999 |
| Average equity | $17,108,500 | 3,542 |
| Average total loans | $188,806,250 | 2,182 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4961% | 4,989 |
| Cost of funding earning assets | 0.2181% | 5,280 |
| Net interest margin | 3.2780% | 4,384 |
| Noninterest income to average assets | 2.0192% | 366 |
| Noninterest expense to average assets | 4.6753% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3484% | 5,305 |
| Return on assets (ROA) | 0.4567% | 5,049 |
| Pretax return on assets | 0.4567% | 5,339 |
| Return on Equity (ROE) | 9.1760% | 2,445 |
| Retained earnings to average equity (ytd only) | 9.1760% | 870 |
| Net charge-offs to loans | -0.0074% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0648% | 573 |
| Assets per employee ($millions) | 2.4227% | 6,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 913 |
| Loan loss allowance to noncurrent loans | 70.8540% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.3940% | 813 |
| Noncurrent loans to loans | 2.8945% | 702 |
| Net loans and leases to total assets | 55.5143% | 4,384 |
| Net loans and leases to deposits | 60.3594% | 4,822 |
| Net loans and leases to core deposits | 60.8946% | 5,017 |
| Total domestic deposits to total assets | 91.9731% | 127 |
| Equity capital to assets | 5.0116% | 6,298 |
| Core capital (leverage) ratio | 5.0188% | 6,301 |
| Tier 1 risk-based capital ratio | 8.9552% | 6,262 |
| Total risk-based capital ratio | 10.2182% | 6,245 |
| Memoranda: | ||
| Average total assets | $334,099,670 | 1,984 |
| Average earning assets | $306,225,000 | 2,008 |
| Average equity | $16,630,330 | 3,620 |
| Average total loans | $189,195,000 | 2,189 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,988 |
| Cost of funding earning assets | 0.2190% | 5,327 |
| Net interest margin | 3.2752% | 4,322 |
| Noninterest income to average assets | 1.8759% | 390 |
| Noninterest expense to average assets | 4.1707% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7041% | 3,779 |
| Return on assets (ROA) | 0.7041% | 3,905 |
| Pretax return on assets | 0.7041% | 4,576 |
| Return on Equity (ROE) | 14.1925% | 841 |
| Retained earnings to average equity (ytd only) | 14.1925% | 341 |
| Net charge-offs to loans | 0.0148% | 2,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 84.2857% | 567 |
| Efficiency ratio | 85.5569% | 1,220 |
| Assets per employee ($millions) | 2.4427% | 6,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 1,024 |
| Loan loss allowance to noncurrent loans | 78.0666% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 2.2931% | 981 |
| Noncurrent loans to loans | 2.6022% | 919 |
| Net loans and leases to total assets | 55.8010% | 4,227 |
| Net loans and leases to deposits | 59.8980% | 4,752 |
| Net loans and leases to core deposits | 60.4216% | 4,960 |
| Total domestic deposits to total assets | 93.1601% | 53 |
| Equity capital to assets | 5.2602% | 6,360 |
| Core capital (leverage) ratio | 5.0019% | 6,366 |
| Tier 1 risk-based capital ratio | 8.7956% | 6,330 |
| Total risk-based capital ratio | 10.0561% | 6,325 |
| Memoranda: | ||
| Average total assets | $335,196,000 | 1,988 |
| Average earning assets | $306,913,500 | 2,008 |
| Average equity | $16,628,500 | 3,644 |
| Average total loans | $189,735,500 | 2,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4980% | 5,321 |
| Cost of funding earning assets | 0.2628% | 5,191 |
| Net interest margin | 3.2352% | 4,813 |
| Noninterest income to average assets | 1.7212% | 434 |
| Noninterest expense to average assets | 4.3316% | 530 |
| Loan and lease loss provision to assets | -0.1184% | 6,178 |
| Net operating income to assets | 0.4533% | 5,005 |
| Return on assets (ROA) | 0.4809% | 4,980 |
| Pretax return on assets | 0.4809% | 5,297 |
| Return on Equity (ROE) | 11.5747% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.5747% | 329 |
| Net charge-offs to loans | 0.1891% | 2,156 |
| Credit loss provision to net charge-offs | -113.3144% | 5,546 |
| Earnings coverage of net charge-offs (x) | 3.2040% | 3,944 |
| Efficiency ratio | 92.8236% | 659 |
| Assets per employee ($millions) | 2.4330% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0242% | 1,062 |
| Loan loss allowance to noncurrent loans | 68.9402% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.6891% | 826 |
| Noncurrent loans to loans | 2.9361% | 777 |
| Net loans and leases to total assets | 55.1181% | 4,436 |
| Net loans and leases to deposits | 59.7081% | 4,930 |
| Net loans and leases to core deposits | 60.2897% | 5,123 |
| Total domestic deposits to total assets | 92.3127% | 114 |
| Equity capital to assets | 4.6667% | 6,466 |
| Core capital (leverage) ratio | 4.8851% | 6,458 |
| Tier 1 risk-based capital ratio | 8.4192% | 6,431 |
| Total risk-based capital ratio | 9.6827% | 6,433 |
| Memoranda: | ||
| Average total assets | $337,726,600 | 1,925 |
| Average earning assets | $307,458,000 | 1,952 |
| Average equity | $14,030,600 | 4,018 |
| Average total loans | $186,666,000 | 2,147 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4860% | 5,428 |
| Cost of funding earning assets | 0.2758% | 5,144 |
| Net interest margin | 3.2102% | 4,933 |
| Noninterest income to average assets | 1.7558% | 423 |
| Noninterest expense to average assets | 4.2035% | 609 |
| Loan and lease loss provision to assets | -0.0395% | 6,150 |
| Net operating income to assets | 0.5110% | 4,835 |
| Return on assets (ROA) | 0.5478% | 4,760 |
| Pretax return on assets | 0.5478% | 5,187 |
| Return on Equity (ROE) | 13.6050% | 1,071 |
| Retained earnings to average equity (ytd only) | 13.6050% | 276 |
| Net charge-offs to loans | 0.3596% | 1,122 |
| Credit loss provision to net charge-offs | -19.9601% | 5,276 |
| Earnings coverage of net charge-offs (x) | 2.3832% | 3,926 |
| Efficiency ratio | 89.9138% | 848 |
| Assets per employee ($millions) | 2.5447% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1515% | 1,020 |
| Loan loss allowance to noncurrent loans | 71.4056% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 2.7955% | 878 |
| Noncurrent loans to loans | 3.0131% | 884 |
| Net loans and leases to total assets | 54.6112% | 4,506 |
| Net loans and leases to deposits | 58.0532% | 5,098 |
| Net loans and leases to core deposits | 58.6158% | 5,296 |
| Total domestic deposits to total assets | 94.0709% | 41 |
| Equity capital to assets | 4.4067% | 6,539 |
| Core capital (leverage) ratio | 4.7266% | 6,536 |
| Tier 1 risk-based capital ratio | 8.4181% | 6,501 |
| Total risk-based capital ratio | 9.6797% | 6,505 |
| Memoranda: | ||
| Average total assets | $337,613,000 | 1,934 |
| Average earning assets | $307,013,750 | 1,964 |
| Average equity | $13,592,750 | 4,112 |
| Average total loans | $185,770,000 | 2,171 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4759% | 5,460 |
| Cost of funding earning assets | 0.2854% | 5,127 |
| Net interest margin | 3.1904% | 4,978 |
| Noninterest income to average assets | 1.6665% | 466 |
| Noninterest expense to average assets | 4.0539% | 713 |
| Loan and lease loss provision to assets | -0.0590% | 6,311 |
| Net operating income to assets | 0.5728% | 4,490 |
| Return on assets (ROA) | 0.6277% | 4,304 |
| Pretax return on assets | 0.6277% | 4,861 |
| Return on Equity (ROE) | 16.0883% | 650 |
| Retained earnings to average equity (ytd only) | 16.0883% | 170 |
| Net charge-offs to loans | 0.2079% | 1,774 |
| Credit loss provision to net charge-offs | -51.8135% | 5,171 |
| Earnings coverage of net charge-offs (x) | 4.5130% | 3,096 |
| Efficiency ratio | 88.7511% | 1,018 |
| Assets per employee ($millions) | 2.4857% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3114% | 884 |
| Loan loss allowance to noncurrent loans | 71.3269% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.9894% | 851 |
| Noncurrent loans to loans | 3.2406% | 867 |
| Net loans and leases to total assets | 54.7013% | 4,449 |
| Net loans and leases to deposits | 58.9561% | 4,954 |
| Net loans and leases to core deposits | 59.6349% | 5,150 |
| Total domestic deposits to total assets | 92.7831% | 98 |
| Equity capital to assets | 4.3020% | 6,607 |
| Core capital (leverage) ratio | 4.6209% | 6,599 |
| Tier 1 risk-based capital ratio | 8.1803% | 6,564 |
| Total risk-based capital ratio | 9.4451% | 6,565 |
| Memoranda: | ||
| Average total assets | $339,032,330 | 1,925 |
| Average earning assets | $308,296,330 | 1,959 |
| Average equity | $13,227,000 | 4,182 |
| Average total loans | $185,676,000 | 2,174 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4126% | 5,621 |
| Cost of funding earning assets | 0.2815% | 5,263 |
| Net interest margin | 3.1311% | 5,142 |
| Noninterest income to average assets | 1.7380% | 422 |
| Noninterest expense to average assets | 4.1040% | 681 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4830% | 4,773 |
| Return on assets (ROA) | 0.4830% | 4,845 |
| Pretax return on assets | 0.4830% | 5,216 |
| Return on Equity (ROE) | 13.0325% | 1,154 |
| Retained earnings to average equity (ytd only) | 13.0325% | 481 |
| Net charge-offs to loans | 0.3088% | 1,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8881% | 2,778 |
| Efficiency ratio | 89.4697% | 1,084 |
| Assets per employee ($millions) | 2.6621% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4293% | 876 |
| Loan loss allowance to noncurrent loans | 67.5602% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 3.1571% | 862 |
| Noncurrent loans to loans | 3.5958% | 793 |
| Net loans and leases to total assets | 51.3774% | 4,742 |
| Net loans and leases to deposits | 54.9965% | 5,197 |
| Net loans and leases to core deposits | 55.5963% | 5,379 |
| Total domestic deposits to total assets | 93.4194% | 81 |
| Equity capital to assets | 3.7547% | 6,678 |
| Core capital (leverage) ratio | 4.4833% | 6,664 |
| Tier 1 risk-based capital ratio | 7.8861% | 6,629 |
| Total risk-based capital ratio | 9.1495% | 6,633 |
| Memoranda: | ||
| Average total assets | $342,008,500 | 1,917 |
| Average earning assets | $311,202,500 | 1,939 |
| Average equity | $12,676,000 | 4,304 |
| Average total loans | $185,259,000 | 2,182 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 5,574 |
| Cost of funding earning assets | 0.4036% | 4,613 |
| Net interest margin | 3.1286% | 5,231 |
| Noninterest income to average assets | 2.1582% | 353 |
| Noninterest expense to average assets | 4.8361% | 393 |
| Loan and lease loss provision to assets | 0.2906% | 1,172 |
| Net operating income to assets | -0.1372% | 6,330 |
| Return on assets (ROA) | -0.1363% | 6,346 |
| Pretax return on assets | -0.1363% | 6,314 |
| Return on Equity (ROE) | -3.4233% | 6,443 |
| Retained earnings to average equity (ytd only) | -3.4233% | 6,288 |
| Net charge-offs to loans | 1.7575% | 240 |
| Credit loss provision to net charge-offs | 29.6296% | 4,258 |
| Earnings coverage of net charge-offs (x) | 0.1564% | 5,031 |
| Efficiency ratio | 96.9249% | 591 |
| Assets per employee ($millions) | 2.5791% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4635% | 863 |
| Loan loss allowance to noncurrent loans | 61.2804% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 3.4037% | 878 |
| Noncurrent loans to loans | 4.0201% | 723 |
| Net loans and leases to total assets | 54.3668% | 4,541 |
| Net loans and leases to deposits | 59.1412% | 5,020 |
| Net loans and leases to core deposits | 59.6936% | 5,241 |
| Total domestic deposits to total assets | 91.9270% | 296 |
| Equity capital to assets | 3.6560% | 6,750 |
| Core capital (leverage) ratio | 4.3526% | 6,736 |
| Tier 1 risk-based capital ratio | 7.5695% | 6,707 |
| Total risk-based capital ratio | 8.8335% | 6,707 |
| Memoranda: | ||
| Average total assets | $344,122,400 | 1,876 |
| Average earning assets | $311,417,400 | 1,905 |
| Average equity | $13,700,200 | 4,126 |
| Average total loans | $192,029,800 | 2,080 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 5,589 |
| Cost of funding earning assets | 0.4210% | 4,600 |
| Net interest margin | 3.1233% | 5,253 |
| Noninterest income to average assets | 2.2525% | 347 |
| Noninterest expense to average assets | 4.7872% | 403 |
| Loan and lease loss provision to assets | 0.3850% | 803 |
| Net operating income to assets | -0.0951% | 6,378 |
| Return on assets (ROA) | -0.0951% | 6,416 |
| Pretax return on assets | -0.0951% | 6,397 |
| Return on Equity (ROE) | -2.3422% | 6,499 |
| Retained earnings to average equity (ytd only) | -2.3422% | 6,298 |
| Net charge-offs to loans | 2.1526% | 164 |
| Credit loss provision to net charge-offs | 32.0410% | 3,856 |
| Earnings coverage of net charge-offs (x) | 0.2413% | 4,785 |
| Efficiency ratio | 94.2903% | 721 |
| Assets per employee ($millions) | 2.6769% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6127% | 821 |
| Loan loss allowance to noncurrent loans | 66.8870% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 3.4179% | 1,001 |
| Noncurrent loans to loans | 3.9061% | 914 |
| Net loans and leases to total assets | 53.2642% | 4,714 |
| Net loans and leases to deposits | 58.0539% | 5,182 |
| Net loans and leases to core deposits | 58.5298% | 5,405 |
| Total domestic deposits to total assets | 91.7496% | 300 |
| Equity capital to assets | 3.8862% | 6,820 |
| Core capital (leverage) ratio | 4.3621% | 6,812 |
| Tier 1 risk-based capital ratio | 7.8025% | 6,773 |
| Total risk-based capital ratio | 9.0685% | 6,774 |
| Memoranda: | ||
| Average total assets | $346,333,000 | 1,876 |
| Average earning assets | $313,210,500 | 1,909 |
| Average equity | $14,060,750 | 4,099 |
| Average total loans | $193,316,000 | 2,065 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5380% | 5,611 |
| Cost of funding earning assets | 0.4492% | 4,438 |
| Net interest margin | 3.0888% | 5,299 |
| Noninterest income to average assets | 2.4485% | 330 |
| Noninterest expense to average assets | 4.8087% | 413 |
| Loan and lease loss provision to assets | 0.4965% | 552 |
| Net operating income to assets | -0.0660% | 6,373 |
| Return on assets (ROA) | -0.0660% | 6,420 |
| Pretax return on assets | -0.0660% | 6,410 |
| Return on Equity (ROE) | -1.6035% | 6,502 |
| Retained earnings to average equity (ytd only) | -1.6035% | 6,142 |
| Net charge-offs to loans | 2.8543% | 112 |
| Credit loss provision to net charge-offs | 30.9592% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.2684% | 4,456 |
| Efficiency ratio | 91.7835% | 906 |
| Assets per employee ($millions) | 2.6989% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6198% | 861 |
| Loan loss allowance to noncurrent loans | 62.7563% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 3.7437% | 982 |
| Noncurrent loans to loans | 4.1745% | 902 |
| Net loans and leases to total assets | 54.7659% | 4,481 |
| Net loans and leases to deposits | 60.2453% | 4,949 |
| Net loans and leases to core deposits | 60.7391% | 5,194 |
| Total domestic deposits to total assets | 90.9047% | 580 |
| Equity capital to assets | 3.9068% | 6,870 |
| Core capital (leverage) ratio | 4.3063% | 6,865 |
| Tier 1 risk-based capital ratio | 7.6989% | 6,813 |
| Total risk-based capital ratio | 8.9857% | 6,814 |
| Memoranda: | ||
| Average total assets | $348,453,670 | 1,873 |
| Average earning assets | $314,810,000 | 1,902 |
| Average equity | $14,343,670 | 4,084 |
| Average total loans | $195,774,330 | 2,044 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 5,571 |
| Cost of funding earning assets | 0.5282% | 3,801 |
| Net interest margin | 3.0269% | 5,498 |
| Noninterest income to average assets | 2.5414% | 313 |
| Noninterest expense to average assets | 5.5633% | 257 |
| Loan and lease loss provision to assets | 0.6035% | 419 |
| Net operating income to assets | -0.8915% | 6,782 |
| Return on assets (ROA) | -0.8915% | 6,795 |
| Pretax return on assets | -0.8915% | 6,774 |
| Return on Equity (ROE) | -21.1336% | 6,902 |
| Retained earnings to average equity (ytd only) | -21.1336% | 6,843 |
| Net charge-offs to loans | 2.9745% | 118 |
| Credit loss provision to net charge-offs | 36.1282% | 2,799 |
| Earnings coverage of net charge-offs (x) | -0.1725% | 3,867 |
| Efficiency ratio | 105.4608% | 405 |
| Assets per employee ($millions) | 2.7769% | 6,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1005% | 594 |
| Loan loss allowance to noncurrent loans | 55.7329% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 4.7438% | 783 |
| Noncurrent loans to loans | 5.5631% | 640 |
| Net loans and leases to total assets | 53.5431% | 4,484 |
| Net loans and leases to deposits | 58.9636% | 4,913 |
| Net loans and leases to core deposits | 59.3868% | 5,205 |
| Total domestic deposits to total assets | 90.8070% | 609 |
| Equity capital to assets | 4.1982% | 6,931 |
| Core capital (leverage) ratio | 4.1276% | 6,932 |
| Tier 1 risk-based capital ratio | 7.3401% | 6,884 |
| Total risk-based capital ratio | 8.6440% | 6,884 |
| Memoranda: | ||
| Average total assets | $351,300,000 | 1,886 |
| Average earning assets | $317,283,500 | 1,911 |
| Average equity | $14,820,000 | 4,030 |
| Average total loans | $197,278,500 | 2,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 5,602 |
| Cost of funding earning assets | 0.5511% | 4,807 |
| Net interest margin | 3.3382% | 5,111 |
| Noninterest income to average assets | 2.2369% | 373 |
| Noninterest expense to average assets | 4.4687% | 592 |
| Loan and lease loss provision to assets | 1.0686% | 361 |
| Net operating income to assets | -0.2976% | 6,438 |
| Return on assets (ROA) | -0.0162% | 6,322 |
| Pretax return on assets | -0.0162% | 6,301 |
| Return on Equity (ROE) | -0.3866% | 6,340 |
| Retained earnings to average equity (ytd only) | -0.3866% | 5,920 |
| Net charge-offs to loans | 3.2649% | 132 |
| Credit loss provision to net charge-offs | 55.4912% | 4,565 |
| Earnings coverage of net charge-offs (x) | 0.4004% | 5,283 |
| Efficiency ratio | 85.2858% | 1,490 |
| Assets per employee ($millions) | 2.7553% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4950% | 428 |
| Loan loss allowance to noncurrent loans | 59.6700% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 5.2751% | 720 |
| Noncurrent loans to loans | 5.8573% | 615 |
| Net loans and leases to total assets | 55.0697% | 4,442 |
| Net loans and leases to deposits | 61.5683% | 4,834 |
| Net loans and leases to core deposits | 62.0996% | 5,143 |
| Total domestic deposits to total assets | 89.4450% | 1,277 |
| Equity capital to assets | 4.2391% | 6,988 |
| Core capital (leverage) ratio | 4.2262% | 6,975 |
| Tier 1 risk-based capital ratio | 7.2655% | 6,941 |
| Total risk-based capital ratio | 8.5649% | 6,939 |
| Memoranda: | ||
| Average total assets | $358,893,800 | 1,808 |
| Average earning assets | $322,835,400 | 1,842 |
| Average equity | $15,002,200 | 3,968 |
| Average total loans | $211,674,200 | 1,907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 5,679 |
| Cost of funding earning assets | 0.5684% | 4,929 |
| Net interest margin | 3.3734% | 5,126 |
| Noninterest income to average assets | 2.0324% | 412 |
| Noninterest expense to average assets | 4.1686% | 755 |
| Loan and lease loss provision to assets | 1.0614% | 372 |
| Net operating income to assets | -0.1628% | 6,466 |
| Return on assets (ROA) | 0.0465% | 6,350 |
| Pretax return on assets | 0.0465% | 6,341 |
| Return on Equity (ROE) | 1.1167% | 6,230 |
| Retained earnings to average equity (ytd only) | 1.1167% | 5,724 |
| Net charge-offs to loans | 3.5582% | 124 |
| Credit loss provision to net charge-offs | 50.1833% | 4,396 |
| Earnings coverage of net charge-offs (x) | 0.4249% | 5,113 |
| Efficiency ratio | 82.2659% | 1,781 |
| Assets per employee ($millions) | 2.7958% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5419% | 449 |
| Loan loss allowance to noncurrent loans | 46.4431% | 5,313 |
| Noncurrent assets plus other real estate owned to assets | 6.3949% | 599 |
| Noncurrent loans to loans | 7.6263% | 435 |
| Net loans and leases to total assets | 55.2320% | 4,565 |
| Net loans and leases to deposits | 61.4796% | 5,029 |
| Net loans and leases to core deposits | 62.3330% | 5,326 |
| Total domestic deposits to total assets | 89.8379% | 937 |
| Equity capital to assets | 4.4009% | 7,083 |
| Core capital (leverage) ratio | 4.1963% | 7,080 |
| Tier 1 risk-based capital ratio | 7.2016% | 7,037 |
| Total risk-based capital ratio | 8.4953% | 7,037 |
| Memoranda: | ||
| Average total assets | $361,135,000 | 1,825 |
| Average earning assets | $324,883,000 | 1,851 |
| Average equity | $15,044,250 | 3,989 |
| Average total loans | $214,671,750 | 1,904 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8227% | 6,086 |
| Cost of funding earning assets | 0.5924% | 4,962 |
| Net interest margin | 3.2303% | 5,644 |
| Noninterest income to average assets | 1.7067% | 522 |
| Noninterest expense to average assets | 4.1932% | 734 |
| Loan and lease loss provision to assets | 1.2303% | 332 |
| Net operating income to assets | -0.8101% | 6,863 |
| Return on assets (ROA) | -0.8096% | 6,884 |
| Pretax return on assets | -0.8096% | 6,852 |
| Return on Equity (ROE) | -19.7975% | 7,034 |
| Retained earnings to average equity (ytd only) | -19.7975% | 7,010 |
| Net charge-offs to loans | 4.3605% | 95 |
| Credit loss provision to net charge-offs | 46.9032% | 4,104 |
| Earnings coverage of net charge-offs (x) | 0.1602% | 4,990 |
| Efficiency ratio | 90.8917% | 1,008 |
| Assets per employee ($millions) | 2.7942% | 6,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5650% | 472 |
| Loan loss allowance to noncurrent loans | 38.4372% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 6.4185% | 641 |
| Noncurrent loans to loans | 9.2750% | 310 |
| Net loans and leases to total assets | 57.8231% | 4,193 |
| Net loans and leases to deposits | 64.1288% | 4,754 |
| Net loans and leases to core deposits | 65.1091% | 5,098 |
| Total domestic deposits to total assets | 90.1671% | 834 |
| Equity capital to assets | 4.0710% | 7,138 |
| Core capital (leverage) ratio | 3.6904% | 7,146 |
| Tier 1 risk-based capital ratio | 6.3633% | 7,119 |
| Total risk-based capital ratio | 7.6553% | 7,118 |
| Memoranda: | ||
| Average total assets | $363,158,670 | 1,819 |
| Average earning assets | $326,783,330 | 1,836 |
| Average equity | $14,850,330 | 4,020 |
| Average total loans | $218,459,000 | 1,868 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7559% | 6,333 |
| Cost of funding earning assets | 0.6322% | 4,872 |
| Net interest margin | 3.1237% | 5,972 |
| Noninterest income to average assets | 1.5742% | 584 |
| Noninterest expense to average assets | 4.1920% | 752 |
| Loan and lease loss provision to assets | 0.9981% | 415 |
| Net operating income to assets | -0.8126% | 6,957 |
| Return on assets (ROA) | -0.8126% | 6,973 |
| Pretax return on assets | -0.8126% | 6,936 |
| Return on Equity (ROE) | -19.8292% | 7,107 |
| Retained earnings to average equity (ytd only) | -19.8292% | 7,041 |
| Net charge-offs to loans | 4.1650% | 136 |
| Credit loss provision to net charge-offs | 39.7752% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.0739% | 4,331 |
| Efficiency ratio | 95.7621% | 730 |
| Assets per employee ($millions) | 2.9761% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9881% | 373 |
| Loan loss allowance to noncurrent loans | 39.3316% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 6.8205% | 639 |
| Noncurrent loans to loans | 10.1397% | 296 |
| Net loans and leases to total assets | 56.0557% | 4,374 |
| Net loans and leases to deposits | 61.9192% | 4,929 |
| Net loans and leases to core deposits | 62.9622% | 5,224 |
| Total domestic deposits to total assets | 90.5304% | 788 |
| Equity capital to assets | 3.9504% | 7,192 |
| Core capital (leverage) ratio | 3.8726% | 7,189 |
| Tier 1 risk-based capital ratio | 6.5252% | 7,156 |
| Total risk-based capital ratio | 7.8092% | 7,154 |
| Memoranda: | ||
| Average total assets | $368,701,000 | 1,797 |
| Average earning assets | $330,891,500 | 1,827 |
| Average equity | $15,109,000 | 3,970 |
| Average total loans | $222,135,500 | 1,842 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3482% | 5,608 |
| Cost of funding earning assets | 0.8401% | 4,545 |
| Net interest margin | 3.5081% | 5,112 |
| Noninterest income to average assets | 2.2177% | 325 |
| Noninterest expense to average assets | 4.5956% | 535 |
| Loan and lease loss provision to assets | 2.3787% | 197 |
| Net operating income to assets | -1.6852% | 6,956 |
| Return on assets (ROA) | -1.6829% | 6,972 |
| Pretax return on assets | -1.6829% | 6,940 |
| Return on Equity (ROE) | -38.3142% | 7,151 |
| Retained earnings to average equity (ytd only) | -38.3142% | 7,146 |
| Net charge-offs to loans | 2.5501% | 452 |
| Credit loss provision to net charge-offs | 141.1493% | 2,076 |
| Earnings coverage of net charge-offs (x) | 0.4115% | 5,511 |
| Efficiency ratio | 86.8889% | 1,455 |
| Assets per employee ($millions) | 2.6867% | 6,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4281% | 271 |
| Loan loss allowance to noncurrent loans | 39.5741% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 7.7227% | 546 |
| Noncurrent loans to loans | 11.1893% | 257 |
| Net loans and leases to total assets | 59.3941% | 4,114 |
| Net loans and leases to deposits | 65.9581% | 4,738 |
| Net loans and leases to core deposits | 67.3296% | 5,117 |
| Total domestic deposits to total assets | 90.0482% | 968 |
| Equity capital to assets | 4.2481% | 7,209 |
| Core capital (leverage) ratio | 3.9662% | 7,212 |
| Tier 1 risk-based capital ratio | 6.5899% | 7,178 |
| Total risk-based capital ratio | 7.8796% | 7,178 |
| Memoranda: | ||
| Average total assets | $385,171,400 | 1,681 |
| Average earning assets | $337,221,000 | 1,758 |
| Average equity | $16,918,000 | 3,594 |
| Average total loans | $254,541,200 | 1,651 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 6,311 |
| Cost of funding earning assets | 0.8735% | 4,615 |
| Net interest margin | 3.2783% | 5,921 |
| Noninterest income to average assets | 2.3938% | 282 |
| Noninterest expense to average assets | 4.5312% | 565 |
| Loan and lease loss provision to assets | 2.5332% | 177 |
| Net operating income to assets | -1.8114% | 7,103 |
| Return on assets (ROA) | -1.8114% | 7,115 |
| Pretax return on assets | -1.8114% | 7,085 |
| Return on Equity (ROE) | -40.9248% | 7,256 |
| Retained earnings to average equity (ytd only) | -40.9248% | 7,250 |
| Net charge-offs to loans | 2.1901% | 560 |
| Credit loss provision to net charge-offs | 172.6129% | 1,738 |
| Earnings coverage of net charge-offs (x) | 0.4918% | 5,250 |
| Efficiency ratio | 86.2589% | 1,509 |
| Assets per employee ($millions) | 2.8171% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2889% | 314 |
| Loan loss allowance to noncurrent loans | 38.5522% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 7.9082% | 564 |
| Noncurrent loans to loans | 11.1250% | 283 |
| Net loans and leases to total assets | 60.2846% | 4,082 |
| Net loans and leases to deposits | 66.6506% | 4,805 |
| Net loans and leases to core deposits | 68.0314% | 5,176 |
| Total domestic deposits to total assets | 90.4488% | 659 |
| Equity capital to assets | 4.2967% | 7,297 |
| Core capital (leverage) ratio | 4.1077% | 7,295 |
| Tier 1 risk-based capital ratio | 6.5014% | 7,272 |
| Total risk-based capital ratio | 7.7887% | 7,271 |
| Memoranda: | ||
| Average total assets | $390,116,750 | 1,673 |
| Average earning assets | $340,247,250 | 1,754 |
| Average equity | $17,267,000 | 3,541 |
| Average total loans | $261,407,750 | 1,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 6,064 |
| Cost of funding earning assets | 0.9068% | 4,607 |
| Net interest margin | 3.3777% | 5,615 |
| Noninterest income to average assets | 1.6350% | 493 |
| Noninterest expense to average assets | 4.3859% | 675 |
| Loan and lease loss provision to assets | 3.3438% | 123 |
| Net operating income to assets | -3.1708% | 7,322 |
| Return on assets (ROA) | -3.1708% | 7,329 |
| Pretax return on assets | -3.1708% | 7,323 |
| Return on Equity (ROE) | -70.9495% | 7,401 |
| Retained earnings to average equity (ytd only) | -70.9495% | 7,398 |
| Net charge-offs to loans | 3.1770% | 309 |
| Credit loss provision to net charge-offs | 154.0094% | 1,978 |
| Earnings coverage of net charge-offs (x) | 0.0797% | 5,228 |
| Efficiency ratio | 96.2035% | 869 |
| Assets per employee ($millions) | 2.5757% | 6,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7736% | 477 |
| Loan loss allowance to noncurrent loans | 49.4859% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 5.9026% | 954 |
| Noncurrent loans to loans | 7.6256% | 620 |
| Net loans and leases to total assets | 65.1523% | 3,218 |
| Net loans and leases to deposits | 72.5581% | 4,026 |
| Net loans and leases to core deposits | 74.1052% | 4,571 |
| Total domestic deposits to total assets | 89.7932% | 1,077 |
| Equity capital to assets | 4.1272% | 7,380 |
| Core capital (leverage) ratio | 3.8474% | 7,383 |
| Tier 1 risk-based capital ratio | 5.7586% | 7,369 |
| Total risk-based capital ratio | 7.0387% | 7,373 |
| Memoranda: | ||
| Average total assets | $390,569,330 | 1,682 |
| Average earning assets | $338,101,330 | 1,770 |
| Average equity | $17,454,670 | 3,503 |
| Average total loans | $266,922,330 | 1,615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 5,883 |
| Cost of funding earning assets | 0.9103% | 4,851 |
| Net interest margin | 3.4312% | 5,298 |
| Noninterest income to average assets | 1.8914% | 393 |
| Noninterest expense to average assets | 4.1539% | 863 |
| Loan and lease loss provision to assets | 3.3692% | 134 |
| Net operating income to assets | -2.6620% | 7,366 |
| Return on assets (ROA) | -2.6620% | 7,367 |
| Pretax return on assets | -2.6620% | 7,346 |
| Return on Equity (ROE) | -57.4679% | 7,431 |
| Retained earnings to average equity (ytd only) | -57.4679% | 7,419 |
| Net charge-offs to loans | 4.5613% | 183 |
| Credit loss provision to net charge-offs | 107.6031% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 4,444 |
| Efficiency ratio | 85.4534% | 1,780 |
| Assets per employee ($millions) | 2.5897% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8637% | 1,046 |
| Loan loss allowance to noncurrent loans | 36.4262% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 5.7022% | 1,041 |
| Noncurrent loans to loans | 7.8616% | 644 |
| Net loans and leases to total assets | 64.8105% | 3,283 |
| Net loans and leases to deposits | 72.0783% | 4,065 |
| Net loans and leases to core deposits | 73.4638% | 4,592 |
| Total domestic deposits to total assets | 89.9168% | 1,199 |
| Equity capital to assets | 4.3040% | 7,419 |
| Core capital (leverage) ratio | 4.2660% | 7,415 |
| Tier 1 risk-based capital ratio | 6.2371% | 7,414 |
| Total risk-based capital ratio | 7.5065% | 7,417 |
| Memoranda: | ||
| Average total assets | $396,539,000 | 1,670 |
| Average earning assets | $343,200,000 | 1,755 |
| Average equity | $18,368,500 | 3,345 |
| Average total loans | $272,203,500 | 1,612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 5,687 |
| Cost of funding earning assets | 1.2072% | 4,517 |
| Net interest margin | 3.5236% | 5,144 |
| Noninterest income to average assets | 1.9911% | 398 |
| Noninterest expense to average assets | 4.2126% | 889 |
| Loan and lease loss provision to assets | 4.7236% | 90 |
| Net operating income to assets | -3.8661% | 7,420 |
| Return on assets (ROA) | -3.8616% | 7,434 |
| Pretax return on assets | -3.8739% | 7,419 |
| Return on Equity (ROE) | -58.5442% | 7,477 |
| Retained earnings to average equity (ytd only) | -58.5442% | 7,474 |
| Net charge-offs to loans | 5.9088% | 100 |
| Credit loss provision to net charge-offs | 110.0987% | 3,999 |
| Earnings coverage of net charge-offs (x) | 0.1970% | 5,910 |
| Efficiency ratio | 83.2902% | 2,018 |
| Assets per employee ($millions) | 2.4797% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 1,221 |
| Loan loss allowance to noncurrent loans | 31.3879% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 6.4259% | 886 |
| Noncurrent loans to loans | 8.4527% | 587 |
| Net loans and leases to total assets | 68.7178% | 2,806 |
| Net loans and leases to deposits | 77.0360% | 3,677 |
| Net loans and leases to core deposits | 78.7865% | 4,369 |
| Total domestic deposits to total assets | 89.2022% | 1,537 |
| Equity capital to assets | 4.9642% | 7,433 |
| Core capital (leverage) ratio | 4.5882% | 7,453 |
| Tier 1 risk-based capital ratio | 6.7633% | 7,446 |
| Total risk-based capital ratio | 8.0299% | 7,449 |
| Memoranda: | ||
| Average total assets | $420,529,000 | 1,577 |
| Average earning assets | $365,984,400 | 1,644 |
| Average equity | $27,738,000 | 2,331 |
| Average total loans | $305,339,000 | 1,472 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 5,826 |
| Cost of funding earning assets | 1.2536% | 4,549 |
| Net interest margin | 3.5053% | 5,272 |
| Noninterest income to average assets | 1.6137% | 540 |
| Noninterest expense to average assets | 4.0377% | 1,006 |
| Loan and lease loss provision to assets | 4.0630% | 151 |
| Net operating income to assets | -3.4156% | 7,507 |
| Return on assets (ROA) | -3.4096% | 7,519 |
| Pretax return on assets | -3.4259% | 7,488 |
| Return on Equity (ROE) | -48.9004% | 7,552 |
| Retained earnings to average equity (ytd only) | -48.9004% | 7,549 |
| Net charge-offs to loans | 5.5542% | 136 |
| Credit loss provision to net charge-offs | 100.1077% | 4,303 |
| Earnings coverage of net charge-offs (x) | 0.1555% | 5,866 |
| Efficiency ratio | 86.2396% | 1,606 |
| Assets per employee ($millions) | 2.7078% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 2,497 |
| Loan loss allowance to noncurrent loans | 19.3699% | 6,928 |
| Noncurrent assets plus other real estate owned to assets | 7.2391% | 736 |
| Noncurrent loans to loans | 9.7781% | 444 |
| Net loans and leases to total assets | 68.3748% | 3,127 |
| Net loans and leases to deposits | 79.2242% | 3,595 |
| Net loans and leases to core deposits | 81.3432% | 4,334 |
| Total domestic deposits to total assets | 86.3054% | 2,914 |
| Equity capital to assets | 5.7730% | 7,512 |
| Core capital (leverage) ratio | 5.5627% | 7,488 |
| Tier 1 risk-based capital ratio | 7.8865% | 7,489 |
| Total risk-based capital ratio | 9.1439% | 7,492 |
| Memoranda: | ||
| Average total assets | $427,094,750 | 1,580 |
| Average earning assets | $372,262,750 | 1,647 |
| Average equity | $29,779,500 | 2,214 |
| Average total loans | $312,095,000 | 1,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 5,124 |
| Cost of funding earning assets | 1.3115% | 4,468 |
| Net interest margin | 3.6501% | 4,580 |
| Noninterest income to average assets | 1.7590% | 426 |
| Noninterest expense to average assets | 3.9785% | 1,071 |
| Loan and lease loss provision to assets | 3.4835% | 250 |
| Net operating income to assets | -2.4984% | 7,416 |
| Return on assets (ROA) | -2.4897% | 7,424 |
| Pretax return on assets | -2.5139% | 7,368 |
| Return on Equity (ROE) | -33.7964% | 7,475 |
| Retained earnings to average equity (ytd only) | -33.7964% | 7,466 |
| Net charge-offs to loans | 3.8385% | 351 |
| Credit loss provision to net charge-offs | 122.3333% | 3,306 |
| Earnings coverage of net charge-offs (x) | 0.3374% | 5,388 |
| Efficiency ratio | 80.3231% | 2,402 |
| Assets per employee ($millions) | 2.6583% | 6,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2588% | 1,654 |
| Loan loss allowance to noncurrent loans | 33.8250% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 5.3621% | 1,163 |
| Noncurrent loans to loans | 6.6779% | 882 |
| Net loans and leases to total assets | 71.3451% | 2,578 |
| Net loans and leases to deposits | 84.2112% | 2,835 |
| Net loans and leases to core deposits | 86.9780% | 3,702 |
| Total domestic deposits to total assets | 84.7216% | 3,762 |
| Equity capital to assets | 7.1059% | 7,308 |
| Core capital (leverage) ratio | 6.7647% | 7,299 |
| Tier 1 risk-based capital ratio | 9.3726% | 7,312 |
| Total risk-based capital ratio | 10.6344% | 7,310 |
| Memoranda: | ||
| Average total assets | $428,654,330 | 1,594 |
| Average earning assets | $373,474,000 | 1,652 |
| Average equity | $31,577,330 | 2,092 |
| Average total loans | $317,992,670 | 1,437 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 5,151 |
| Cost of funding earning assets | 1.3709% | 4,349 |
| Net interest margin | 3.6009% | 4,724 |
| Noninterest income to average assets | 1.7544% | 417 |
| Noninterest expense to average assets | 3.9485% | 1,102 |
| Loan and lease loss provision to assets | 6.0456% | 113 |
| Net operating income to assets | -5.0589% | 7,785 |
| Return on assets (ROA) | -5.0589% | 7,789 |
| Pretax return on assets | -5.1069% | 7,770 |
| Return on Equity (ROE) | -67.5143% | 7,760 |
| Retained earnings to average equity (ytd only) | -67.5143% | 7,753 |
| Net charge-offs to loans | 6.5505% | 154 |
| Credit loss provision to net charge-offs | 123.4484% | 2,836 |
| Earnings coverage of net charge-offs (x) | 0.1917% | 4,869 |
| Efficiency ratio | 80.5671% | 2,478 |
| Assets per employee ($millions) | 2.6636% | 6,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 1,841 |
| Loan loss allowance to noncurrent loans | 33.9232% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 5.2667% | 1,195 |
| Noncurrent loans to loans | 6.3522% | 992 |
| Net loans and leases to total assets | 72.5042% | 2,330 |
| Net loans and leases to deposits | 86.8311% | 2,441 |
| Net loans and leases to core deposits | 90.9231% | 3,241 |
| Total domestic deposits to total assets | 83.5003% | 4,386 |
| Equity capital to assets | 6.9803% | 7,383 |
| Core capital (leverage) ratio | 6.6302% | 7,421 |
| Tier 1 risk-based capital ratio | 8.9488% | 7,491 |
| Total risk-based capital ratio | 10.2091% | 7,502 |
| Memoranda: | ||
| Average total assets | $432,979,000 | 1,613 |
| Average earning assets | $376,683,500 | 1,679 |
| Average equity | $32,443,500 | 2,068 |
| Average total loans | $323,700,000 | 1,458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 4,535 |
| Cost of funding earning assets | 2.0884% | 2,519 |
| Net interest margin | 3.3417% | 5,575 |
| Noninterest income to average assets | 2.2122% | 325 |
| Noninterest expense to average assets | 3.9293% | 1,471 |
| Loan and lease loss provision to assets | 1.5455% | 1,491 |
| Net operating income to assets | -0.2761% | 5,942 |
| Return on assets (ROA) | 0.0783% | 5,311 |
| Pretax return on assets | 0.0896% | 5,243 |
| Return on Equity (ROE) | 0.9826% | 5,241 |
| Retained earnings to average equity (ytd only) | -3.1115% | 5,725 |
| Net charge-offs to loans | 1.6541% | 1,530 |
| Credit loss provision to net charge-offs | 124.1054% | 4,238 |
| Earnings coverage of net charge-offs (x) | 0.9859% | 5,127 |
| Efficiency ratio | 76.1929% | 3,493 |
| Assets per employee ($millions) | 2.6654% | 6,921 |
| Cash dividends to net income (ytd only)* | 416.6667% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6773% | 2,978 |
| Loan loss allowance to noncurrent loans | 43.4192% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 3.4273% | 1,961 |
| Noncurrent loans to loans | 3.8631% | 1,927 |
| Net loans and leases to total assets | 74.1361% | 2,240 |
| Net loans and leases to deposits | 89.7401% | 2,252 |
| Net loans and leases to core deposits | 103.8761% | 3,585 |
| Total domestic deposits to total assets | 82.6120% | 4,701 |
| Equity capital to assets | 7.9900% | 6,596 |
| Core capital (leverage) ratio | 7.7417% | 6,513 |
| Tier 1 risk-based capital ratio | 10.2221% | 6,659 |
| Total risk-based capital ratio | 11.4766% | 6,630 |
| Memoranda: | ||
| Average total assets | $460,036,600 | 1,501 |
| Average earning assets | $405,391,800 | 1,561 |
| Average equity | $36,638,200 | 1,838 |
| Average total loans | $346,359,600 | 1,397 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4430% | 4,718 |
| Cost of funding earning assets | 2.2095% | 2,364 |
| Net interest margin | 3.2335% | 5,902 |
| Noninterest income to average assets | 2.3986% | 283 |
| Noninterest expense to average assets | 3.9325% | 1,378 |
| Loan and lease loss provision to assets | 1.2416% | 1,560 |
| Net operating income to assets | 0.0803% | 5,528 |
| Return on assets (ROA) | 0.5275% | 3,961 |
| Pretax return on assets | 0.5424% | 4,393 |
| Return on Equity (ROE) | 6.6281% | 3,251 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,031 |
| Net charge-offs to loans | 0.8501% | 2,265 |
| Credit loss provision to net charge-offs | 194.0412% | 2,325 |
| Earnings coverage of net charge-offs (x) | 2.0676% | 4,272 |
| Efficiency ratio | 74.8268% | 3,720 |
| Assets per employee ($millions) | 2.8325% | 6,579 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,155 |
| Loan loss allowance to noncurrent loans | 36.4227% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 4.0859% | 1,551 |
| Noncurrent loans to loans | 5.0772% | 1,283 |
| Net loans and leases to total assets | 72.6389% | 2,871 |
| Net loans and leases to deposits | 90.2856% | 2,520 |
| Net loans and leases to core deposits | 102.0829% | 4,145 |
| Total domestic deposits to total assets | 80.4546% | 5,267 |
| Equity capital to assets | 8.1156% | 6,726 |
| Core capital (leverage) ratio | 7.8193% | 6,595 |
| Tier 1 risk-based capital ratio | 10.3462% | 6,625 |
| Total risk-based capital ratio | 11.6026% | 6,560 |
| Memoranda: | ||
| Average total assets | $465,099,000 | 1,500 |
| Average earning assets | $410,941,750 | 1,555 |
| Average equity | $37,013,000 | 1,839 |
| Average total loans | $350,048,750 | 1,397 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4669% | 4,803 |
| Cost of funding earning assets | 2.3189% | 2,281 |
| Net interest margin | 3.1480% | 6,097 |
| Noninterest income to average assets | 2.6915% | 239 |
| Noninterest expense to average assets | 4.0477% | 1,250 |
| Loan and lease loss provision to assets | 1.2591% | 1,358 |
| Net operating income to assets | 0.1628% | 5,382 |
| Return on assets (ROA) | 0.6229% | 3,683 |
| Pretax return on assets | 0.6417% | 4,185 |
| Return on Equity (ROE) | 7.8782% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.0880% | 3,019 |
| Net charge-offs to loans | 1.0777% | 1,677 |
| Credit loss provision to net charge-offs | 154.3832% | 2,974 |
| Earnings coverage of net charge-offs (x) | 1.7491% | 4,246 |
| Efficiency ratio | 73.9423% | 4,040 |
| Assets per employee ($millions) | 2.7273% | 6,781 |
| Cash dividends to net income (ytd only)* | 48.1100% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,362 |
| Loan loss allowance to noncurrent loans | 35.7517% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.2453% | 1,926 |
| Noncurrent loans to loans | 4.1062% | 1,625 |
| Net loans and leases to total assets | 74.7519% | 2,506 |
| Net loans and leases to deposits | 93.3746% | 2,195 |
| Net loans and leases to core deposits | 106.5055% | 3,773 |
| Total domestic deposits to total assets | 80.0559% | 5,458 |
| Equity capital to assets | 7.9575% | 6,804 |
| Core capital (leverage) ratio | 7.7205% | 6,722 |
| Tier 1 risk-based capital ratio | 10.1576% | 6,764 |
| Total risk-based capital ratio | 11.4099% | 6,690 |
| Memoranda: | ||
| Average total assets | $467,175,330 | 1,521 |
| Average earning assets | $412,961,000 | 1,571 |
| Average equity | $36,937,330 | 1,851 |
| Average total loans | $353,532,330 | 1,414 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 5,555 |
| Cost of funding earning assets | 2.4605% | 2,070 |
| Net interest margin | 2.9131% | 6,711 |
| Noninterest income to average assets | 2.5886% | 238 |
| Noninterest expense to average assets | 3.8812% | 1,332 |
| Loan and lease loss provision to assets | 1.2746% | 1,001 |
| Net operating income to assets | 0.0114% | 6,230 |
| Return on assets (ROA) | 0.6561% | 3,950 |
| Pretax return on assets | 0.6741% | 4,512 |
| Return on Equity (ROE) | 8.3255% | 2,994 |
| Retained earnings to average equity (ytd only) | 1.8127% | 4,840 |
| Net charge-offs to loans | 1.0764% | 1,263 |
| Credit loss provision to net charge-offs | 156.6772% | 2,684 |
| Earnings coverage of net charge-offs (x) | 1.5783% | 3,938 |
| Efficiency ratio | 75.1408% | 3,632 |
| Assets per employee ($millions) | 2.9435% | 6,306 |
| Cash dividends to net income (ytd only)* | 78.2269% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 3,910 |
| Loan loss allowance to noncurrent loans | 34.5627% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 3.0556% | 1,849 |
| Noncurrent loans to loans | 3.8519% | 1,591 |
| Net loans and leases to total assets | 73.8827% | 2,787 |
| Net loans and leases to deposits | 92.0571% | 2,594 |
| Net loans and leases to core deposits | 106.2979% | 3,874 |
| Total domestic deposits to total assets | 80.2575% | 5,257 |
| Equity capital to assets | 7.7632% | 7,114 |
| Core capital (leverage) ratio | 7.4227% | 7,252 |
| Tier 1 risk-based capital ratio | 9.8462% | 7,090 |
| Total risk-based capital ratio | 11.0967% | 6,993 |
| Memoranda: | ||
| Average total assets | $467,581,500 | 1,530 |
| Average earning assets | $413,577,500 | 1,571 |
| Average equity | $36,850,500 | 1,858 |
| Average total loans | $353,394,000 | 1,425 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2567% | 4,209 |
| Cost of funding earning assets | 2.9103% | 2,221 |
| Net interest margin | 3.3465% | 5,879 |
| Noninterest income to average assets | 1.5616% | 576 |
| Noninterest expense to average assets | 3.4556% | 2,508 |
| Loan and lease loss provision to assets | 1.2851% | 1,108 |
| Net operating income to assets | -0.1869% | 6,607 |
| Return on assets (ROA) | -0.0813% | 6,329 |
| Pretax return on assets | -0.0883% | 6,257 |
| Return on Equity (ROE) | -1.0279% | 6,372 |
| Retained earnings to average equity (ytd only) | -10.4169% | 7,105 |
| Net charge-offs to loans | 1.1825% | 1,024 |
| Credit loss provision to net charge-offs | 142.9623% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.2037% | 5,530 |
| Efficiency ratio | 76.1555% | 3,214 |
| Assets per employee ($millions) | 2.9380% | 6,201 |
| Cash dividends to net income (ytd only)* | -913.3858% | 8,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,753 |
| Loan loss allowance to noncurrent loans | 51.1256% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 1.9433% | 2,529 |
| Noncurrent loans to loans | 2.2955% | 2,413 |
| Net loans and leases to total assets | 75.3935% | 2,785 |
| Net loans and leases to deposits | 97.1975% | 2,254 |
| Net loans and leases to core deposits | 111.5305% | 3,614 |
| Total domestic deposits to total assets | 77.5674% | 5,854 |
| Equity capital to assets | 8.0007% | 6,843 |
| Core capital (leverage) ratio | 7.4892% | 7,217 |
| Tier 1 risk-based capital ratio | 9.6838% | 7,106 |
| Total risk-based capital ratio | 10.8175% | 7,141 |
| Memoranda: | ||
| Average total assets | $468,693,600 | 1,473 |
| Average earning assets | $416,799,600 | 1,498 |
| Average equity | $37,064,800 | 1,831 |
| Average total loans | $356,277,600 | 1,366 |