Home > Hometown Bank > Performance and Condition Ratios
Hometown Bank, Performance and Condition Ratios
| 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 | 4.3995% | 2,197 |
| Cost of funding earning assets | 0.4543% | 3,175 |
| Net interest margin | 3.9453% | 1,882 |
| Noninterest income to average assets | 0.7145% | 1,766 |
| Noninterest expense to average assets | 3.9882% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2035% | 5,237 |
| Return on assets (ROA) | 0.2035% | 5,235 |
| Pretax return on assets | 0.2035% | 5,259 |
| Return on Equity (ROE) | 2.2347% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.2347% | 4,273 |
| Net charge-offs to loans | -0.0477% | 4,950 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1451% | 268 |
| Assets per employee ($millions) | 2.9358% | 5,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,254 |
| Loan loss allowance to noncurrent loans | 86.8986% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.3893% | 403 |
| Noncurrent loans to loans | 1.7967% | 933 |
| Net loans and leases to total assets | 81.3337% | 749 |
| Net loans and leases to deposits | 91.9510% | 1,454 |
| Net loans and leases to core deposits | 102.5868% | 1,475 |
| Total domestic deposits to total assets | 88.4533% | 1,376 |
| Equity capital to assets | 9.0557% | 4,497 |
| Core capital (leverage) ratio | 9.3678% | 4,230 |
| Tier 1 risk-based capital ratio | 10.8403% | 5,224 |
| Total risk-based capital ratio | 12.0927% | 5,118 |
| Memoranda: | ||
| Average total assets | $180,832,500 | 3,122 |
| Average earning assets | $159,380,000 | 3,226 |
| Average equity | $16,467,500 | 3,535 |
| Average total loans | $150,956,000 | 2,674 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,197 |
| Cost of funding earning assets | 0.4932% | 2,395 |
| Net interest margin | 3.8508% | 2,247 |
| Noninterest income to average assets | 0.7365% | 1,818 |
| Noninterest expense to average assets | 4.0057% | 530 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1188% | 5,239 |
| Return on assets (ROA) | 0.1188% | 5,242 |
| Pretax return on assets | 0.1188% | 5,365 |
| Return on Equity (ROE) | 1.2848% | 5,191 |
| Retained earnings to average equity (ytd only) | 1.2848% | 4,509 |
| Net charge-offs to loans | -0.0007% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1197% | 228 |
| Assets per employee ($millions) | 2.7638% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,302 |
| Loan loss allowance to noncurrent loans | 84.4509% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 2.4220% | 398 |
| Noncurrent loans to loans | 1.8209% | 880 |
| Net loans and leases to total assets | 83.0473% | 555 |
| Net loans and leases to deposits | 98.2185% | 885 |
| Net loans and leases to core deposits | 110.0122% | 1,004 |
| Total domestic deposits to total assets | 84.5536% | 3,017 |
| Equity capital to assets | 9.1580% | 4,569 |
| Core capital (leverage) ratio | 9.2557% | 4,340 |
| Tier 1 risk-based capital ratio | 10.9984% | 5,149 |
| Total risk-based capital ratio | 12.2523% | 5,027 |
| Memoranda: | ||
| Average total assets | $176,773,200 | 3,158 |
| Average earning assets | $155,525,400 | 3,249 |
| Average equity | $16,345,000 | 3,552 |
| Average total loans | $146,159,600 | 2,695 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2880% | 2,305 |
| Cost of funding earning assets | 0.4986% | 2,279 |
| Net interest margin | 3.7894% | 2,441 |
| Noninterest income to average assets | 0.7543% | 1,763 |
| Noninterest expense to average assets | 3.9714% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1151% | 5,434 |
| Return on assets (ROA) | 0.1151% | 5,444 |
| Pretax return on assets | 0.1151% | 5,451 |
| Return on Equity (ROE) | 1.2419% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.2419% | 4,907 |
| Net charge-offs to loans | -0.0313% | 5,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1831% | 224 |
| Assets per employee ($millions) | 2.7258% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5718% | 1,298 |
| Loan loss allowance to noncurrent loans | 87.4861% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 488 |
| Noncurrent loans to loans | 1.7966% | 998 |
| Net loans and leases to total assets | 81.0238% | 837 |
| Net loans and leases to deposits | 93.2501% | 1,389 |
| Net loans and leases to core deposits | 103.6037% | 1,420 |
| Total domestic deposits to total assets | 86.8887% | 1,910 |
| Equity capital to assets | 9.0046% | 4,909 |
| Core capital (leverage) ratio | 9.2012% | 4,517 |
| Tier 1 risk-based capital ratio | 11.1311% | 5,171 |
| Total risk-based capital ratio | 12.3859% | 5,063 |
| Memoranda: | ||
| Average total assets | $176,054,750 | 3,198 |
| Average earning assets | $154,814,000 | 3,291 |
| Average equity | $16,318,250 | 3,588 |
| Average total loans | $144,819,000 | 2,726 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 1,999 |
| Cost of funding earning assets | 0.4986% | 2,171 |
| Net interest margin | 3.8416% | 2,122 |
| Noninterest income to average assets | 0.7497% | 1,774 |
| Noninterest expense to average assets | 3.9660% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1506% | 5,448 |
| Return on assets (ROA) | 0.1506% | 5,449 |
| Pretax return on assets | 0.1506% | 5,467 |
| Return on Equity (ROE) | 1.6034% | 5,396 |
| Retained earnings to average equity (ytd only) | 1.6034% | 4,615 |
| Net charge-offs to loans | -0.1259% | 5,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3408% | 250 |
| Assets per employee ($millions) | 2.6630% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 1,159 |
| Loan loss allowance to noncurrent loans | 468.7984% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1703% | 1,459 |
| Noncurrent loans to loans | 0.3516% | 3,771 |
| Net loans and leases to total assets | 80.8890% | 822 |
| Net loans and leases to deposits | 95.1873% | 1,159 |
| Net loans and leases to core deposits | 106.4996% | 1,188 |
| Total domestic deposits to total assets | 84.9788% | 2,821 |
| Equity capital to assets | 9.2254% | 4,700 |
| Core capital (leverage) ratio | 9.5469% | 4,071 |
| Tier 1 risk-based capital ratio | 11.4518% | 4,989 |
| Total risk-based capital ratio | 12.7074% | 4,878 |
| Memoranda: | ||
| Average total assets | $173,927,330 | 3,239 |
| Average earning assets | $152,435,670 | 3,339 |
| Average equity | $16,340,000 | 3,597 |
| Average total loans | $143,009,000 | 2,758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,178 |
| Cost of funding earning assets | 0.5227% | 1,918 |
| Net interest margin | 3.7045% | 2,475 |
| Noninterest income to average assets | 0.8877% | 1,284 |
| Noninterest expense to average assets | 4.0471% | 513 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0769% | 5,542 |
| Return on assets (ROA) | 0.0769% | 5,547 |
| Pretax return on assets | 0.0769% | 5,545 |
| Return on Equity (ROE) | 0.8108% | 5,526 |
| Retained earnings to average equity (ytd only) | 0.8108% | 4,717 |
| Net charge-offs to loans | 0.0765% | 1,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 2,749 |
| Efficiency ratio | 98.1356% | 264 |
| Assets per employee ($millions) | 2.6532% | 5,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 1,349 |
| Loan loss allowance to noncurrent loans | 667.2464% | 827 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 1,510 |
| Noncurrent loans to loans | 0.2417% | 4,242 |
| Net loans and leases to total assets | 81.4271% | 633 |
| Net loans and leases to deposits | 94.4416% | 1,071 |
| Net loans and leases to core deposits | 105.9066% | 1,108 |
| Total domestic deposits to total assets | 86.2195% | 2,572 |
| Equity capital to assets | 9.4595% | 4,325 |
| Core capital (leverage) ratio | 9.4761% | 4,141 |
| Tier 1 risk-based capital ratio | 11.6420% | 4,952 |
| Total risk-based capital ratio | 12.8971% | 4,843 |
| Memoranda: | ||
| Average total assets | $171,680,500 | 3,294 |
| Average earning assets | $149,979,500 | 3,398 |
| Average equity | $16,280,000 | 3,628 |
| Average total loans | $141,142,500 | 2,803 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2470% | 2,324 |
| Cost of funding earning assets | 0.4959% | 2,117 |
| Net interest margin | 3.7511% | 2,496 |
| Noninterest income to average assets | 1.0452% | 1,033 |
| Noninterest expense to average assets | 4.4995% | 377 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2428% | 5,726 |
| Return on assets (ROA) | -0.2428% | 5,737 |
| Pretax return on assets | -0.2428% | 5,724 |
| Return on Equity (ROE) | -2.4188% | 5,741 |
| Retained earnings to average equity (ytd only) | -2.4188% | 5,559 |
| Net charge-offs to loans | 0.0642% | 2,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -4.7738% | 4,217 |
| Efficiency ratio | 105.7049% | 163 |
| Assets per employee ($millions) | 2.6292% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 1,210 |
| Loan loss allowance to noncurrent loans | 608.0940% | 916 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 1,183 |
| Noncurrent loans to loans | 0.2744% | 4,174 |
| Net loans and leases to total assets | 80.2949% | 854 |
| Net loans and leases to deposits | 95.0831% | 1,081 |
| Net loans and leases to core deposits | 105.3745% | 1,172 |
| Total domestic deposits to total assets | 84.4470% | 3,252 |
| Equity capital to assets | 9.5061% | 4,265 |
| Core capital (leverage) ratio | 9.7247% | 3,827 |
| Tier 1 risk-based capital ratio | 11.7084% | 4,920 |
| Total risk-based capital ratio | 12.9639% | 4,818 |
| Memoranda: | ||
| Average total assets | $165,130,000 | 3,346 |
| Average earning assets | $141,370,600 | 3,480 |
| Average equity | $16,578,600 | 3,614 |
| Average total loans | $130,740,200 | 2,907 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2644% | 2,281 |
| Cost of funding earning assets | 0.4867% | 2,204 |
| Net interest margin | 3.7777% | 2,417 |
| Noninterest income to average assets | 1.0923% | 950 |
| Noninterest expense to average assets | 4.5231% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2126% | 5,796 |
| Return on assets (ROA) | -0.2126% | 5,808 |
| Pretax return on assets | -0.2126% | 5,798 |
| Return on Equity (ROE) | -2.0886% | 5,812 |
| Retained earnings to average equity (ytd only) | -2.0886% | 5,599 |
| Net charge-offs to loans | 0.1089% | 1,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -2.4856% | 3,876 |
| Efficiency ratio | 104.9320% | 167 |
| Assets per employee ($millions) | 2.6382% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 1,124 |
| Loan loss allowance to noncurrent loans | 144.9749% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.3536% | 596 |
| Noncurrent loans to loans | 1.2010% | 1,870 |
| Net loans and leases to total assets | 77.1435% | 1,335 |
| Net loans and leases to deposits | 92.3597% | 1,452 |
| Net loans and leases to core deposits | 100.2440% | 1,612 |
| Total domestic deposits to total assets | 83.5251% | 3,389 |
| Equity capital to assets | 9.8049% | 4,358 |
| Core capital (leverage) ratio | 10.0070% | 3,559 |
| Tier 1 risk-based capital ratio | 12.2627% | 4,632 |
| Total risk-based capital ratio | 13.5183% | 4,529 |
| Memoranda: | ||
| Average total assets | $163,687,500 | 3,374 |
| Average earning assets | $139,447,250 | 3,520 |
| Average equity | $16,661,750 | 3,629 |
| Average total loans | $128,537,000 | 2,945 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,323 |
| Cost of funding earning assets | 0.4843% | 2,238 |
| Net interest margin | 3.7687% | 2,444 |
| Noninterest income to average assets | 1.2780% | 699 |
| Noninterest expense to average assets | 4.6342% | 340 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1371% | 5,829 |
| Return on assets (ROA) | -0.1371% | 5,848 |
| Pretax return on assets | -0.1371% | 5,845 |
| Return on Equity (ROE) | -1.3296% | 5,854 |
| Retained earnings to average equity (ytd only) | -1.3296% | 5,478 |
| Net charge-offs to loans | 0.3679% | 627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.4744% | 3,575 |
| Efficiency ratio | 103.0478% | 200 |
| Assets per employee ($millions) | 2.6278% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 1,337 |
| Loan loss allowance to noncurrent loans | 194.9016% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 1.7414% | 1,015 |
| Noncurrent loans to loans | 0.8579% | 2,594 |
| Net loans and leases to total assets | 77.3986% | 1,271 |
| Net loans and leases to deposits | 92.3462% | 1,465 |
| Net loans and leases to core deposits | 97.3182% | 1,860 |
| Total domestic deposits to total assets | 83.8135% | 3,345 |
| Equity capital to assets | 10.0875% | 4,112 |
| Core capital (leverage) ratio | 10.2806% | 3,226 |
| Tier 1 risk-based capital ratio | 12.7500% | 4,352 |
| Total risk-based capital ratio | 14.0049% | 4,253 |
| Memoranda: | ||
| Average total assets | $161,968,330 | 3,413 |
| Average earning assets | $138,351,330 | 3,558 |
| Average equity | $16,697,330 | 3,628 |
| Average total loans | $127,195,670 | 2,981 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,123 |
| Cost of funding earning assets | 0.4834% | 2,243 |
| Net interest margin | 3.8204% | 2,220 |
| Noninterest income to average assets | 1.6032% | 458 |
| Noninterest expense to average assets | 4.9570% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0974% | 5,848 |
| Return on assets (ROA) | -0.0974% | 5,866 |
| Pretax return on assets | -0.0974% | 5,862 |
| Return on Equity (ROE) | -0.9344% | 5,872 |
| Retained earnings to average equity (ytd only) | -0.9344% | 5,276 |
| Net charge-offs to loans | 0.7928% | 259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.1566% | 2,985 |
| Efficiency ratio | 102.0041% | 247 |
| Assets per employee ($millions) | 2.5831% | 5,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 1,342 |
| Loan loss allowance to noncurrent loans | 185.2740% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 2.0219% | 851 |
| Noncurrent loans to loans | 0.9225% | 2,544 |
| Net loans and leases to total assets | 77.7096% | 1,137 |
| Net loans and leases to deposits | 93.5033% | 1,192 |
| Net loans and leases to core deposits | 97.0341% | 1,705 |
| Total domestic deposits to total assets | 83.1090% | 3,857 |
| Equity capital to assets | 10.4283% | 3,578 |
| Core capital (leverage) ratio | 10.4887% | 2,981 |
| Tier 1 risk-based capital ratio | 13.4804% | 3,988 |
| Total risk-based capital ratio | 14.7366% | 3,915 |
| Memoranda: | ||
| Average total assets | $160,176,500 | 3,446 |
| Average earning assets | $136,528,500 | 3,606 |
| Average equity | $16,696,000 | 3,630 |
| Average total loans | $125,636,500 | 3,000 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,097 |
| Cost of funding earning assets | 0.5067% | 2,102 |
| Net interest margin | 3.5469% | 3,341 |
| Noninterest income to average assets | 1.2937% | 722 |
| Noninterest expense to average assets | 5.1465% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.8724% | 6,094 |
| Return on assets (ROA) | -0.8724% | 6,098 |
| Pretax return on assets | -0.8724% | 6,090 |
| Return on Equity (ROE) | -7.9420% | 6,082 |
| Retained earnings to average equity (ytd only) | -7.9420% | 5,997 |
| Net charge-offs to loans | 0.0532% | 3,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -21.9524% | 4,440 |
| Efficiency ratio | 120.4103% | 90 |
| Assets per employee ($millions) | 2.5839% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 899 |
| Loan loss allowance to noncurrent loans | 176.7766% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 3.7072% | 302 |
| Noncurrent loans to loans | 1.0950% | 2,151 |
| Net loans and leases to total assets | 76.3057% | 1,360 |
| Net loans and leases to deposits | 97.8007% | 835 |
| Net loans and leases to core deposits | 101.1100% | 1,432 |
| Total domestic deposits to total assets | 78.0216% | 5,157 |
| Equity capital to assets | 10.4187% | 3,460 |
| Core capital (leverage) ratio | 10.8186% | 2,587 |
| Tier 1 risk-based capital ratio | 13.1169% | 4,230 |
| Total risk-based capital ratio | 14.3745% | 4,148 |
| Memoranda: | ||
| Average total assets | $158,535,600 | 3,449 |
| Average earning assets | $133,215,000 | 3,645 |
| Average equity | $17,413,800 | 3,472 |
| Average total loans | $118,500,600 | 3,075 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1008% | 2,931 |
| Cost of funding earning assets | 0.5224% | 2,022 |
| Net interest margin | 3.5784% | 3,244 |
| Noninterest income to average assets | 1.1999% | 843 |
| Noninterest expense to average assets | 5.0130% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.8095% | 6,179 |
| Return on assets (ROA) | -0.8095% | 6,177 |
| Pretax return on assets | -0.8095% | 6,170 |
| Return on Equity (ROE) | -7.2748% | 6,159 |
| Retained earnings to average equity (ytd only) | -7.2748% | 6,082 |
| Net charge-offs to loans | 0.0775% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -14.1184% | 4,149 |
| Efficiency ratio | 119.2578% | 99 |
| Assets per employee ($millions) | 2.3099% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0371% | 865 |
| Loan loss allowance to noncurrent loans | 108.6152% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 4.3879% | 252 |
| Noncurrent loans to loans | 1.8756% | 1,235 |
| Net loans and leases to total assets | 74.8212% | 1,580 |
| Net loans and leases to deposits | 94.0728% | 1,196 |
| Net loans and leases to core deposits | 94.9132% | 1,989 |
| Total domestic deposits to total assets | 79.5354% | 4,849 |
| Equity capital to assets | 11.0522% | 2,960 |
| Core capital (leverage) ratio | 11.0318% | 2,452 |
| Tier 1 risk-based capital ratio | 14.0904% | 3,801 |
| Total risk-based capital ratio | 15.3496% | 3,732 |
| Memoranda: | ||
| Average total assets | $158,118,750 | 3,490 |
| Average earning assets | $132,720,000 | 3,683 |
| Average equity | $17,594,500 | 3,467 |
| Average total loans | $116,961,500 | 3,120 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 2,851 |
| Cost of funding earning assets | 0.5370% | 1,927 |
| Net interest margin | 3.5752% | 3,186 |
| Noninterest income to average assets | 1.0676% | 1,051 |
| Noninterest expense to average assets | 4.8444% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7749% | 6,237 |
| Return on assets (ROA) | -0.7749% | 6,242 |
| Pretax return on assets | -0.7749% | 6,232 |
| Return on Equity (ROE) | -6.9491% | 6,223 |
| Retained earnings to average equity (ytd only) | -6.9491% | 6,090 |
| Net charge-offs to loans | 0.0927% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -11.4259% | 3,847 |
| Efficiency ratio | 119.0432% | 110 |
| Assets per employee ($millions) | 2.4554% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0713% | 891 |
| Loan loss allowance to noncurrent loans | 107.5966% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 4.3326% | 285 |
| Noncurrent loans to loans | 1.9251% | 1,294 |
| Net loans and leases to total assets | 71.7468% | 2,031 |
| Net loans and leases to deposits | 90.4988% | 1,536 |
| Net loans and leases to core deposits | 91.2845% | 2,215 |
| Total domestic deposits to total assets | 79.2792% | 5,032 |
| Equity capital to assets | 10.8870% | 3,006 |
| Core capital (leverage) ratio | 10.9602% | 2,469 |
| Tier 1 risk-based capital ratio | 14.7968% | 3,473 |
| Total risk-based capital ratio | 16.0571% | 3,400 |
| Memoranda: | ||
| Average total assets | $159,236,670 | 3,498 |
| Average earning assets | $133,698,000 | 3,698 |
| Average equity | $17,757,670 | 3,459 |
| Average total loans | $116,547,000 | 3,145 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 2,811 |
| Cost of funding earning assets | 0.5537% | 1,808 |
| Net interest margin | 3.5512% | 3,222 |
| Noninterest income to average assets | 1.2549% | 724 |
| Noninterest expense to average assets | 4.7506% | 356 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5281% | 6,251 |
| Return on assets (ROA) | -0.5281% | 6,260 |
| Pretax return on assets | -0.5281% | 6,248 |
| Return on Equity (ROE) | -4.6801% | 6,254 |
| Retained earnings to average equity (ytd only) | -4.6801% | 5,915 |
| Net charge-offs to loans | 0.0756% | 1,951 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -9.5455% | 3,244 |
| Efficiency ratio | 112.5074% | 178 |
| Assets per employee ($millions) | 2.5079% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0837% | 945 |
| Loan loss allowance to noncurrent loans | 343.2168% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 4.2360% | 338 |
| Noncurrent loans to loans | 0.6071% | 3,753 |
| Net loans and leases to total assets | 71.8455% | 1,831 |
| Net loans and leases to deposits | 91.4046% | 1,245 |
| Net loans and leases to core deposits | 92.1998% | 1,926 |
| Total domestic deposits to total assets | 78.6016% | 5,340 |
| Equity capital to assets | 11.1528% | 2,806 |
| Core capital (leverage) ratio | 11.3163% | 2,143 |
| Tier 1 risk-based capital ratio | 14.7908% | 3,545 |
| Total risk-based capital ratio | 16.0500% | 3,475 |
| Memoranda: | ||
| Average total assets | $159,053,500 | 3,523 |
| Average earning assets | $132,913,500 | 3,737 |
| Average equity | $17,948,500 | 3,454 |
| Average total loans | $116,354,500 | 3,158 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 3,605 |
| Cost of funding earning assets | 0.6051% | 1,722 |
| Net interest margin | 3.4241% | 4,090 |
| Noninterest income to average assets | 1.0879% | 1,025 |
| Noninterest expense to average assets | 4.8008% | 361 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8744% | 6,357 |
| Return on assets (ROA) | -0.8301% | 6,347 |
| Pretax return on assets | -0.8301% | 6,342 |
| Return on Equity (ROE) | -7.1212% | 6,325 |
| Retained earnings to average equity (ytd only) | -7.1212% | 6,246 |
| Net charge-offs to loans | 0.1443% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -9.1053% | 4,910 |
| Efficiency ratio | 122.2687% | 117 |
| Assets per employee ($millions) | 2.4246% | 6,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 878 |
| Loan loss allowance to noncurrent loans | 315.4140% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 4.3014% | 375 |
| Noncurrent loans to loans | 0.6830% | 3,637 |
| Net loans and leases to total assets | 71.3591% | 2,023 |
| Net loans and leases to deposits | 90.2881% | 1,491 |
| Net loans and leases to core deposits | 91.3048% | 2,156 |
| Total domestic deposits to total assets | 79.0349% | 5,245 |
| Equity capital to assets | 11.4188% | 2,498 |
| Core capital (leverage) ratio | 11.4578% | 2,004 |
| Tier 1 risk-based capital ratio | 15.3548% | 3,290 |
| Total risk-based capital ratio | 16.6158% | 3,235 |
| Memoranda: | ||
| Average total assets | $158,285,000 | 3,514 |
| Average earning assets | $131,215,600 | 3,738 |
| Average equity | $18,452,000 | 3,351 |
| Average total loans | $105,338,800 | 3,317 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 3,673 |
| Cost of funding earning assets | 0.6117% | 1,745 |
| Net interest margin | 3.4112% | 4,190 |
| Noninterest income to average assets | 1.2748% | 749 |
| Noninterest expense to average assets | 4.8256% | 350 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.7262% | 6,427 |
| Return on assets (ROA) | -0.7051% | 6,419 |
| Pretax return on assets | -0.7051% | 6,404 |
| Return on Equity (ROE) | -6.0180% | 6,384 |
| Retained earnings to average equity (ytd only) | -6.0180% | 6,288 |
| Net charge-offs to loans | 0.1140% | 2,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -9.8069% | 4,633 |
| Efficiency ratio | 117.7135% | 145 |
| Assets per employee ($millions) | 2.4391% | 6,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5012% | 650 |
| Loan loss allowance to noncurrent loans | 307.8788% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 4.4973% | 403 |
| Noncurrent loans to loans | 0.8124% | 3,549 |
| Net loans and leases to total assets | 62.4520% | 3,418 |
| Net loans and leases to deposits | 78.3137% | 2,915 |
| Net loans and leases to core deposits | 79.3575% | 3,394 |
| Total domestic deposits to total assets | 79.7459% | 5,163 |
| Equity capital to assets | 11.4999% | 2,489 |
| Core capital (leverage) ratio | 11.8051% | 1,828 |
| Tier 1 risk-based capital ratio | 17.2203% | 2,515 |
| Total risk-based capital ratio | 18.4843% | 2,468 |
| Memoranda: | ||
| Average total assets | $158,456,250 | 3,535 |
| Average earning assets | $131,209,750 | 3,762 |
| Average equity | $18,566,000 | 3,356 |
| Average total loans | $102,939,000 | 3,391 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,633 |
| Cost of funding earning assets | 0.6204% | 1,730 |
| Net interest margin | 3.4059% | 4,147 |
| Noninterest income to average assets | 1.3331% | 679 |
| Noninterest expense to average assets | 4.8337% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6867% | 6,481 |
| Return on assets (ROA) | -0.6552% | 6,477 |
| Pretax return on assets | -0.6552% | 6,462 |
| Return on Equity (ROE) | -5.5575% | 6,446 |
| Retained earnings to average equity (ytd only) | -5.5575% | 6,272 |
| Net charge-offs to loans | 0.2147% | 1,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -4.9009% | 4,288 |
| Efficiency ratio | 116.5601% | 169 |
| Assets per employee ($millions) | 2.4122% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4188% | 795 |
| Loan loss allowance to noncurrent loans | 291.9954% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 4.6304% | 416 |
| Noncurrent loans to loans | 0.8284% | 3,634 |
| Net loans and leases to total assets | 64.7633% | 2,951 |
| Net loans and leases to deposits | 80.9966% | 2,385 |
| Net loans and leases to core deposits | 81.8862% | 2,982 |
| Total domestic deposits to total assets | 79.9580% | 5,244 |
| Equity capital to assets | 11.8884% | 2,074 |
| Core capital (leverage) ratio | 11.9923% | 1,657 |
| Tier 1 risk-based capital ratio | 16.9730% | 2,630 |
| Total risk-based capital ratio | 18.2355% | 2,582 |
| Memoranda: | ||
| Average total assets | $158,428,000 | 3,559 |
| Average earning assets | $130,889,000 | 3,787 |
| Average equity | $18,677,330 | 3,327 |
| Average total loans | $103,401,330 | 3,388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,727 |
| Cost of funding earning assets | 0.6276% | 1,753 |
| Net interest margin | 3.3634% | 4,278 |
| Noninterest income to average assets | 1.2308% | 728 |
| Noninterest expense to average assets | 4.8981% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.8942% | 6,558 |
| Return on assets (ROA) | -0.8942% | 6,555 |
| Pretax return on assets | -0.8942% | 6,546 |
| Return on Equity (ROE) | -7.6166% | 6,524 |
| Retained earnings to average equity (ytd only) | -7.6166% | 6,270 |
| Net charge-offs to loans | -0.0388% | 5,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3338% | 163 |
| Assets per employee ($millions) | 2.3318% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5814% | 731 |
| Loan loss allowance to noncurrent loans | 96.5947% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 5.9357% | 291 |
| Noncurrent loans to loans | 2.6724% | 1,270 |
| Net loans and leases to total assets | 62.7850% | 3,109 |
| Net loans and leases to deposits | 77.9961% | 2,557 |
| Net loans and leases to core deposits | 79.0696% | 3,081 |
| Total domestic deposits to total assets | 80.4976% | 5,385 |
| Equity capital to assets | 11.7485% | 2,056 |
| Core capital (leverage) ratio | 11.9305% | 1,694 |
| Tier 1 risk-based capital ratio | 17.0871% | 2,648 |
| Total risk-based capital ratio | 18.3508% | 2,590 |
| Memoranda: | ||
| Average total assets | $159,246,500 | 3,570 |
| Average earning assets | $131,295,000 | 3,812 |
| Average equity | $18,696,000 | 3,324 |
| Average total loans | $103,072,000 | 3,406 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,486 |
| Cost of funding earning assets | 0.7007% | 1,813 |
| Net interest margin | 3.4623% | 4,051 |
| Noninterest income to average assets | 1.3855% | 729 |
| Noninterest expense to average assets | 4.8022% | 408 |
| Loan and lease loss provision to assets | -0.4813% | 6,739 |
| Net operating income to assets | -0.1113% | 6,313 |
| Return on assets (ROA) | -0.1005% | 6,322 |
| Pretax return on assets | -0.1005% | 6,288 |
| Return on Equity (ROE) | -0.8661% | 6,315 |
| Retained earnings to average equity (ytd only) | -0.8661% | 6,041 |
| Net charge-offs to loans | 0.0653% | 4,295 |
| Credit loss provision to net charge-offs | -1,194.0299% | 6,245 |
| Earnings coverage of net charge-offs (x) | -14.7015% | 5,439 |
| Efficiency ratio | 114.0775% | 226 |
| Assets per employee ($millions) | 2.4232% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5281% | 802 |
| Loan loss allowance to noncurrent loans | 120.6058% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 5.6050% | 369 |
| Noncurrent loans to loans | 2.0962% | 1,890 |
| Net loans and leases to total assets | 63.3554% | 3,151 |
| Net loans and leases to deposits | 78.9975% | 2,590 |
| Net loans and leases to core deposits | 80.1162% | 3,119 |
| Total domestic deposits to total assets | 80.1992% | 5,399 |
| Equity capital to assets | 11.7322% | 2,003 |
| Core capital (leverage) ratio | 12.0041% | 1,607 |
| Tier 1 risk-based capital ratio | 16.7782% | 2,725 |
| Total risk-based capital ratio | 18.0402% | 2,670 |
| Memoranda: | ||
| Average total assets | $166,216,400 | 3,471 |
| Average earning assets | $135,574,400 | 3,727 |
| Average equity | $19,281,400 | 3,250 |
| Average total loans | $102,614,800 | 3,389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,495 |
| Cost of funding earning assets | 0.7101% | 1,886 |
| Net interest margin | 3.4587% | 4,064 |
| Noninterest income to average assets | 1.4955% | 659 |
| Noninterest expense to average assets | 4.8353% | 384 |
| Loan and lease loss provision to assets | -0.6357% | 6,847 |
| Net operating income to assets | 0.1097% | 6,119 |
| Return on assets (ROA) | 0.1240% | 6,158 |
| Pretax return on assets | 0.1240% | 6,187 |
| Return on Equity (ROE) | 1.0715% | 6,168 |
| Retained earnings to average equity (ytd only) | 1.0715% | 5,546 |
| Net charge-offs to loans | -0.1212% | 6,541 |
| Credit loss provision to net charge-offs | 860.2151% | 351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2073% | 234 |
| Assets per employee ($millions) | 2.2039% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7216% | 723 |
| Loan loss allowance to noncurrent loans | 109.4621% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 5.8295% | 424 |
| Noncurrent loans to loans | 2.4864% | 1,741 |
| Net loans and leases to total assets | 60.2858% | 3,653 |
| Net loans and leases to deposits | 74.8995% | 3,102 |
| Net loans and leases to core deposits | 75.9800% | 3,617 |
| Total domestic deposits to total assets | 80.4889% | 5,364 |
| Equity capital to assets | 11.5000% | 2,305 |
| Core capital (leverage) ratio | 11.9421% | 1,707 |
| Tier 1 risk-based capital ratio | 17.1601% | 2,642 |
| Total risk-based capital ratio | 18.4246% | 2,602 |
| Memoranda: | ||
| Average total assets | $167,788,500 | 3,483 |
| Average earning assets | $136,501,750 | 3,754 |
| Average equity | $19,411,000 | 3,256 |
| Average total loans | $102,280,750 | 3,421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 3,456 |
| Cost of funding earning assets | 0.7219% | 1,910 |
| Net interest margin | 3.4541% | 3,988 |
| Noninterest income to average assets | 1.9583% | 458 |
| Noninterest expense to average assets | 4.7124% | 441 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0439% | 6,251 |
| Return on assets (ROA) | 0.0652% | 6,292 |
| Pretax return on assets | 0.0652% | 6,285 |
| Return on Equity (ROE) | 0.5628% | 6,298 |
| Retained earnings to average equity (ytd only) | 0.5628% | 5,678 |
| Net charge-offs to loans | -0.1956% | 6,657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0773% | 520 |
| Assets per employee ($millions) | 2.1409% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5154% | 365 |
| Loan loss allowance to noncurrent loans | 161.7912% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 5.9986% | 454 |
| Noncurrent loans to loans | 2.1728% | 2,210 |
| Net loans and leases to total assets | 59.0871% | 3,813 |
| Net loans and leases to deposits | 73.4188% | 3,236 |
| Net loans and leases to core deposits | 74.4666% | 3,734 |
| Total domestic deposits to total assets | 80.4796% | 5,484 |
| Equity capital to assets | 11.5918% | 2,224 |
| Core capital (leverage) ratio | 11.7726% | 1,746 |
| Tier 1 risk-based capital ratio | 17.3462% | 2,576 |
| Total risk-based capital ratio | 18.6196% | 2,536 |
| Memoranda: | ||
| Average total assets | $168,619,330 | 3,490 |
| Average earning assets | $136,590,000 | 3,781 |
| Average equity | $19,545,000 | 3,254 |
| Average total loans | $102,228,330 | 3,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 3,711 |
| Cost of funding earning assets | 0.7379% | 1,944 |
| Net interest margin | 3.3661% | 4,249 |
| Noninterest income to average assets | 1.3716% | 819 |
| Noninterest expense to average assets | 4.8066% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.7318% | 6,748 |
| Return on assets (ROA) | -0.6894% | 6,747 |
| Pretax return on assets | -0.6894% | 6,727 |
| Return on Equity (ROE) | -5.9473% | 6,715 |
| Retained earnings to average equity (ytd only) | -5.9473% | 6,415 |
| Net charge-offs to loans | -0.3366% | 6,797 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9606% | 231 |
| Assets per employee ($millions) | 2.2157% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5818% | 394 |
| Loan loss allowance to noncurrent loans | 155.1799% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 7.6350% | 344 |
| Noncurrent loans to loans | 2.3082% | 2,267 |
| Net loans and leases to total assets | 56.4853% | 4,012 |
| Net loans and leases to deposits | 69.8483% | 3,506 |
| Net loans and leases to core deposits | 70.8179% | 3,967 |
| Total domestic deposits to total assets | 80.8685% | 5,534 |
| Equity capital to assets | 11.3927% | 2,528 |
| Core capital (leverage) ratio | 11.6335% | 1,794 |
| Tier 1 risk-based capital ratio | 16.2779% | 3,116 |
| Total risk-based capital ratio | 17.5503% | 3,058 |
| Memoranda: | ||
| Average total assets | $169,434,500 | 3,511 |
| Average earning assets | $136,063,000 | 3,825 |
| Average equity | $19,639,000 | 3,296 |
| Average total loans | $102,210,500 | 3,454 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 2,671 |
| Cost of funding earning assets | 0.8657% | 2,177 |
| Net interest margin | 3.8164% | 3,156 |
| Noninterest income to average assets | 1.1306% | 1,220 |
| Noninterest expense to average assets | 4.7026% | 477 |
| Loan and lease loss provision to assets | -0.6821% | 7,055 |
| Net operating income to assets | 0.2274% | 5,709 |
| Return on assets (ROA) | 0.3513% | 5,509 |
| Pretax return on assets | 0.3513% | 5,709 |
| Return on Equity (ROE) | 3.1503% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.1503% | 4,018 |
| Net charge-offs to loans | 0.5151% | 2,184 |
| Credit loss provision to net charge-offs | -215.4399% | 6,402 |
| Earnings coverage of net charge-offs (x) | -1.4363% | 5,797 |
| Efficiency ratio | 110.7052% | 323 |
| Assets per employee ($millions) | 2.1852% | 6,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3454% | 493 |
| Loan loss allowance to noncurrent loans | 154.2365% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 7.9336% | 352 |
| Noncurrent loans to loans | 2.1690% | 2,501 |
| Net loans and leases to total assets | 60.0125% | 3,601 |
| Net loans and leases to deposits | 75.0312% | 2,961 |
| Net loans and leases to core deposits | 76.0948% | 3,521 |
| Total domestic deposits to total assets | 79.9834% | 5,668 |
| Equity capital to assets | 11.7919% | 2,191 |
| Core capital (leverage) ratio | 11.6263% | 1,784 |
| Tier 1 risk-based capital ratio | 16.0433% | 3,140 |
| Total risk-based capital ratio | 17.3099% | 3,081 |
| Memoranda: | ||
| Average total assets | $175,925,600 | 3,366 |
| Average earning assets | $143,695,600 | 3,668 |
| Average equity | $19,617,200 | 3,242 |
| Average total loans | $108,134,200 | 3,332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7359% | 2,638 |
| Cost of funding earning assets | 0.8833% | 2,285 |
| Net interest margin | 3.8526% | 3,107 |
| Noninterest income to average assets | 1.6389% | 563 |
| Noninterest expense to average assets | 4.6797% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1245% | 6,082 |
| Return on assets (ROA) | 0.2879% | 5,856 |
| Pretax return on assets | 0.2879% | 5,981 |
| Return on Equity (ROE) | 2.6174% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.6174% | 4,996 |
| Net charge-offs to loans | 0.4609% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4403% | 5,102 |
| Efficiency ratio | 97.4095% | 623 |
| Assets per employee ($millions) | 2.2232% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6363% | 190 |
| Loan loss allowance to noncurrent loans | 198.0902% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 7.7127% | 411 |
| Noncurrent loans to loans | 2.3405% | 2,463 |
| Net loans and leases to total assets | 58.5764% | 4,031 |
| Net loans and leases to deposits | 72.1588% | 3,586 |
| Net loans and leases to core deposits | 73.1377% | 4,095 |
| Total domestic deposits to total assets | 81.1771% | 5,305 |
| Equity capital to assets | 11.4706% | 2,782 |
| Core capital (leverage) ratio | 11.2556% | 2,172 |
| Tier 1 risk-based capital ratio | 16.0171% | 3,251 |
| Total risk-based capital ratio | 17.3017% | 3,205 |
| Memoranda: | ||
| Average total assets | $177,842,000 | 3,382 |
| Average earning assets | $146,114,500 | 3,658 |
| Average equity | $19,561,250 | 3,285 |
| Average total loans | $109,049,750 | 3,342 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 2,248 |
| Cost of funding earning assets | 0.8918% | 2,465 |
| Net interest margin | 3.9741% | 2,617 |
| Noninterest income to average assets | 1.6839% | 531 |
| Noninterest expense to average assets | 4.5784% | 518 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3821% | 5,285 |
| Return on assets (ROA) | 0.5709% | 4,768 |
| Pretax return on assets | 0.5709% | 5,245 |
| Return on Equity (ROE) | 5.2620% | 4,680 |
| Retained earnings to average equity (ytd only) | 5.2620% | 3,118 |
| Net charge-offs to loans | 0.0870% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,521 |
| Efficiency ratio | 92.2974% | 914 |
| Assets per employee ($millions) | 2.2366% | 6,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9754% | 169 |
| Loan loss allowance to noncurrent loans | 209.9234% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 7.1713% | 537 |
| Noncurrent loans to loans | 2.3701% | 2,534 |
| Net loans and leases to total assets | 56.2513% | 4,426 |
| Net loans and leases to deposits | 68.5905% | 4,109 |
| Net loans and leases to core deposits | 69.4814% | 4,600 |
| Total domestic deposits to total assets | 82.0104% | 5,127 |
| Equity capital to assets | 11.1415% | 2,976 |
| Core capital (leverage) ratio | 11.0863% | 2,221 |
| Tier 1 risk-based capital ratio | 16.1628% | 3,087 |
| Total risk-based capital ratio | 17.4505% | 3,031 |
| Memoranda: | ||
| Average total assets | $180,061,000 | 3,355 |
| Average earning assets | $148,462,670 | 3,633 |
| Average equity | $19,536,330 | 3,278 |
| Average total loans | $110,350,000 | 3,325 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 1,397 |
| Cost of funding earning assets | 0.9017% | 2,675 |
| Net interest margin | 4.2627% | 1,581 |
| Noninterest income to average assets | 2.0006% | 409 |
| Noninterest expense to average assets | 4.6218% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9266% | 2,806 |
| Return on assets (ROA) | 1.1180% | 2,182 |
| Pretax return on assets | 1.1180% | 3,250 |
| Return on Equity (ROE) | 10.4411% | 2,257 |
| Retained earnings to average equity (ytd only) | 10.4411% | 1,170 |
| Net charge-offs to loans | 0.5158% | 1,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.8836% | 3,025 |
| Efficiency ratio | 83.3003% | 1,759 |
| Assets per employee ($millions) | 2.4103% | 6,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5996% | 235 |
| Loan loss allowance to noncurrent loans | 82.9839% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 7.9446% | 485 |
| Noncurrent loans to loans | 5.5427% | 958 |
| Net loans and leases to total assets | 58.5830% | 3,946 |
| Net loans and leases to deposits | 70.7867% | 3,615 |
| Net loans and leases to core deposits | 71.8978% | 4,167 |
| Total domestic deposits to total assets | 82.7599% | 5,023 |
| Equity capital to assets | 10.8737% | 3,061 |
| Core capital (leverage) ratio | 10.8919% | 2,351 |
| Tier 1 risk-based capital ratio | 15.6070% | 3,391 |
| Total risk-based capital ratio | 16.8923% | 3,338 |
| Memoranda: | ||
| Average total assets | $181,746,000 | 3,349 |
| Average earning assets | $151,266,000 | 3,589 |
| Average equity | $19,461,500 | 3,294 |
| Average total loans | $113,227,500 | 3,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 1,979 |
| Cost of funding earning assets | 1.1617% | 2,274 |
| Net interest margin | 4.0598% | 2,600 |
| Noninterest income to average assets | 1.0400% | 1,255 |
| Noninterest expense to average assets | 4.4555% | 608 |
| Loan and lease loss provision to assets | 0.5223% | 2,011 |
| Net operating income to assets | -0.5427% | 6,518 |
| Return on assets (ROA) | -0.5427% | 6,560 |
| Pretax return on assets | -0.5427% | 6,518 |
| Return on Equity (ROE) | -5.3658% | 6,551 |
| Retained earnings to average equity (ytd only) | -5.3658% | 6,476 |
| Net charge-offs to loans | 1.4424% | 1,126 |
| Credit loss provision to net charge-offs | 51.7063% | 5,389 |
| Earnings coverage of net charge-offs (x) | -0.0202% | 5,840 |
| Efficiency ratio | 100.4593% | 653 |
| Assets per employee ($millions) | 2.4042% | 6,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5494% | 250 |
| Loan loss allowance to noncurrent loans | 142.5624% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 6.5336% | 720 |
| Noncurrent loans to loans | 3.1911% | 2,029 |
| Net loans and leases to total assets | 60.3083% | 3,931 |
| Net loans and leases to deposits | 73.3681% | 3,607 |
| Net loans and leases to core deposits | 74.6778% | 4,152 |
| Total domestic deposits to total assets | 82.1997% | 5,061 |
| Equity capital to assets | 10.5442% | 3,482 |
| Core capital (leverage) ratio | 10.2526% | 3,024 |
| Tier 1 risk-based capital ratio | 14.9144% | 3,689 |
| Total risk-based capital ratio | 16.1996% | 3,629 |
| Memoranda: | ||
| Average total assets | $191,448,000 | 3,167 |
| Average earning assets | $160,107,400 | 3,406 |
| Average equity | $19,363,200 | 3,234 |
| Average total loans | $134,082,400 | 2,920 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3303% | 1,757 |
| Cost of funding earning assets | 1.2197% | 2,195 |
| Net interest margin | 4.1106% | 2,432 |
| Noninterest income to average assets | 0.8883% | 1,689 |
| Noninterest expense to average assets | 4.4778% | 589 |
| Loan and lease loss provision to assets | 0.6886% | 1,404 |
| Net operating income to assets | -0.8366% | 6,815 |
| Return on assets (ROA) | -0.8366% | 6,852 |
| Pretax return on assets | -0.8366% | 6,802 |
| Return on Equity (ROE) | -8.3557% | 6,831 |
| Retained earnings to average equity (ytd only) | -8.3557% | 6,783 |
| Net charge-offs to loans | 1.6462% | 849 |
| Credit loss provision to net charge-offs | 58.3771% | 4,842 |
| Earnings coverage of net charge-offs (x) | -0.1255% | 5,679 |
| Efficiency ratio | 103.4192% | 570 |
| Assets per employee ($millions) | 2.4463% | 6,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5294% | 259 |
| Loan loss allowance to noncurrent loans | 92.3557% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 7.7574% | 586 |
| Noncurrent loans to loans | 4.9043% | 1,283 |
| Net loans and leases to total assets | 60.4577% | 4,050 |
| Net loans and leases to deposits | 72.8150% | 3,830 |
| Net loans and leases to core deposits | 74.9524% | 4,326 |
| Total domestic deposits to total assets | 83.0293% | 4,669 |
| Equity capital to assets | 10.0110% | 4,329 |
| Core capital (leverage) ratio | 9.8316% | 3,671 |
| Tier 1 risk-based capital ratio | 14.1339% | 4,250 |
| Total risk-based capital ratio | 15.4192% | 4,190 |
| Memoranda: | ||
| Average total assets | $193,631,000 | 3,152 |
| Average earning assets | $162,113,750 | 3,383 |
| Average equity | $19,387,500 | 3,229 |
| Average total loans | $138,741,750 | 2,835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 1,352 |
| Cost of funding earning assets | 1.2974% | 1,954 |
| Net interest margin | 4.1783% | 2,127 |
| Noninterest income to average assets | 1.1965% | 900 |
| Noninterest expense to average assets | 4.7078% | 478 |
| Loan and lease loss provision to assets | 1.0279% | 839 |
| Net operating income to assets | -1.0402% | 6,952 |
| Return on assets (ROA) | -1.0402% | 6,963 |
| Pretax return on assets | -1.0402% | 6,908 |
| Return on Equity (ROE) | -10.3887% | 6,954 |
| Retained earnings to average equity (ytd only) | -10.3887% | 6,898 |
| Net charge-offs to loans | 1.3268% | 1,153 |
| Credit loss provision to net charge-offs | 104.1667% | 2,965 |
| Earnings coverage of net charge-offs (x) | -0.0125% | 5,293 |
| Efficiency ratio | 100.2627% | 712 |
| Assets per employee ($millions) | 2.4856% | 6,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8300% | 210 |
| Loan loss allowance to noncurrent loans | 79.7183% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 9.3496% | 441 |
| Noncurrent loans to loans | 6.0588% | 976 |
| Net loans and leases to total assets | 63.2752% | 3,622 |
| Net loans and leases to deposits | 75.4213% | 3,575 |
| Net loans and leases to core deposits | 77.8177% | 4,075 |
| Total domestic deposits to total assets | 83.8957% | 4,395 |
| Equity capital to assets | 9.8757% | 4,302 |
| Core capital (leverage) ratio | 10.0621% | 3,186 |
| Tier 1 risk-based capital ratio | 13.3637% | 4,637 |
| Total risk-based capital ratio | 14.6521% | 4,595 |
| Memoranda: | ||
| Average total assets | $194,571,000 | 3,157 |
| Average earning assets | $162,935,330 | 3,389 |
| Average equity | $19,482,670 | 3,204 |
| Average total loans | $144,711,330 | 2,765 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4713% | 1,376 |
| Cost of funding earning assets | 1.3928% | 1,645 |
| Net interest margin | 4.0785% | 2,351 |
| Noninterest income to average assets | 0.9358% | 1,522 |
| Noninterest expense to average assets | 4.4552% | 623 |
| Loan and lease loss provision to assets | 2.0522% | 269 |
| Net operating income to assets | -2.1342% | 7,307 |
| Return on assets (ROA) | -2.1342% | 7,305 |
| Pretax return on assets | -2.1342% | 7,280 |
| Return on Equity (ROE) | -21.1699% | 7,232 |
| Retained earnings to average equity (ytd only) | -21.1699% | 7,172 |
| Net charge-offs to loans | 0.9488% | 1,411 |
| Credit loss provision to net charge-offs | 276.2431% | 1,145 |
| Earnings coverage of net charge-offs (x) | -0.1105% | 4,646 |
| Efficiency ratio | 101.8771% | 674 |
| Assets per employee ($millions) | 2.5211% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6658% | 249 |
| Loan loss allowance to noncurrent loans | 41.5035% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 12.4390% | 242 |
| Noncurrent loans to loans | 11.2419% | 329 |
| Net loans and leases to total assets | 72.7698% | 1,561 |
| Net loans and leases to deposits | 87.4187% | 1,530 |
| Net loans and leases to core deposits | 90.7630% | 2,269 |
| Total domestic deposits to total assets | 83.2428% | 4,825 |
| Equity capital to assets | 9.9835% | 3,796 |
| Core capital (leverage) ratio | 9.6785% | 3,554 |
| Tier 1 risk-based capital ratio | 12.4277% | 5,333 |
| Total risk-based capital ratio | 13.7175% | 5,270 |
| Memoranda: | ||
| Average total assets | $194,916,500 | 3,176 |
| Average earning assets | $164,275,500 | 3,384 |
| Average equity | $19,650,500 | 3,165 |
| Average total loans | $152,615,000 | 2,672 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 1,644 |
| Cost of funding earning assets | 1.7783% | 1,262 |
| Net interest margin | 3.9009% | 3,484 |
| Noninterest income to average assets | 0.9292% | 1,743 |
| Noninterest expense to average assets | 4.1344% | 977 |
| Loan and lease loss provision to assets | 1.5055% | 982 |
| Net operating income to assets | -1.3682% | 6,860 |
| Return on assets (ROA) | -1.3327% | 6,867 |
| Pretax return on assets | -1.3327% | 6,791 |
| Return on Equity (ROE) | -13.3346% | 6,861 |
| Retained earnings to average equity (ytd only) | -13.3346% | 6,813 |
| Net charge-offs to loans | 0.6762% | 2,981 |
| Credit loss provision to net charge-offs | 285.3933% | 953 |
| Earnings coverage of net charge-offs (x) | 0.2602% | 5,850 |
| Efficiency ratio | 96.7873% | 936 |
| Assets per employee ($millions) | 2.4174% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8912% | 436 |
| Loan loss allowance to noncurrent loans | 55.0699% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 9.6415% | 438 |
| Noncurrent loans to loans | 7.0659% | 792 |
| Net loans and leases to total assets | 77.0777% | 1,079 |
| Net loans and leases to deposits | 94.7905% | 983 |
| Net loans and leases to core deposits | 99.2143% | 1,680 |
| Total domestic deposits to total assets | 81.3138% | 5,414 |
| Equity capital to assets | 10.1763% | 3,524 |
| Core capital (leverage) ratio | 9.7277% | 3,402 |
| Tier 1 risk-based capital ratio | 12.1795% | 5,307 |
| Total risk-based capital ratio | 13.4605% | 5,261 |
| Memoranda: | ||
| Average total assets | $219,332,400 | 2,878 |
| Average earning assets | $187,931,000 | 3,034 |
| Average equity | $21,920,400 | 2,888 |
| Average total loans | $171,098,000 | 2,454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7044% | 1,695 |
| Cost of funding earning assets | 1.8556% | 1,186 |
| Net interest margin | 3.8488% | 3,754 |
| Noninterest income to average assets | 0.8358% | 2,051 |
| Noninterest expense to average assets | 4.0472% | 989 |
| Loan and lease loss provision to assets | 1.9174% | 634 |
| Net operating income to assets | -1.8218% | 7,188 |
| Return on assets (ROA) | -1.7755% | 7,192 |
| Pretax return on assets | -1.7755% | 7,126 |
| Return on Equity (ROE) | -17.8370% | 7,178 |
| Retained earnings to average equity (ytd only) | -17.8370% | 7,159 |
| Net charge-offs to loans | 0.6103% | 2,912 |
| Credit loss provision to net charge-offs | 405.2698% | 740 |
| Earnings coverage of net charge-offs (x) | 0.2020% | 5,811 |
| Efficiency ratio | 97.6931% | 830 |
| Assets per employee ($millions) | 2.5341% | 7,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8507% | 417 |
| Loan loss allowance to noncurrent loans | 78.3466% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 7.7255% | 663 |
| Noncurrent loans to loans | 4.9149% | 1,425 |
| Net loans and leases to total assets | 75.9291% | 1,419 |
| Net loans and leases to deposits | 96.0562% | 974 |
| Net loans and leases to core deposits | 103.2134% | 1,554 |
| Total domestic deposits to total assets | 79.0465% | 6,007 |
| Equity capital to assets | 9.4604% | 4,908 |
| Core capital (leverage) ratio | 9.1867% | 4,392 |
| Tier 1 risk-based capital ratio | 11.5001% | 5,935 |
| Total risk-based capital ratio | 12.7809% | 5,890 |
| Memoranda: | ||
| Average total assets | $224,609,000 | 2,849 |
| Average earning assets | $192,991,500 | 2,998 |
| Average equity | $22,357,500 | 2,881 |
| Average total loans | $174,129,000 | 2,460 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6647% | 1,890 |
| Cost of funding earning assets | 1.9078% | 1,213 |
| Net interest margin | 3.7568% | 4,102 |
| Noninterest income to average assets | 0.8909% | 1,722 |
| Noninterest expense to average assets | 3.8674% | 1,236 |
| Loan and lease loss provision to assets | 0.3501% | 3,621 |
| Net operating income to assets | -0.0866% | 6,208 |
| Return on assets (ROA) | -0.0184% | 6,199 |
| Pretax return on assets | -0.0184% | 6,169 |
| Return on Equity (ROE) | -0.1818% | 6,205 |
| Retained earnings to average equity (ytd only) | -0.1818% | 5,770 |
| Net charge-offs to loans | 0.4701% | 3,128 |
| Credit loss provision to net charge-offs | 96.6184% | 4,222 |
| Earnings coverage of net charge-offs (x) | 0.7271% | 5,020 |
| Efficiency ratio | 93.6229% | 1,084 |
| Assets per employee ($millions) | 2.6400% | 6,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3462% | 1,518 |
| Loan loss allowance to noncurrent loans | 74.6662% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 5.5167% | 1,118 |
| Noncurrent loans to loans | 3.1422% | 2,551 |
| Net loans and leases to total assets | 76.4752% | 1,398 |
| Net loans and leases to deposits | 96.7394% | 983 |
| Net loans and leases to core deposits | 106.9839% | 1,371 |
| Total domestic deposits to total assets | 79.0528% | 6,025 |
| Equity capital to assets | 10.5258% | 3,379 |
| Core capital (leverage) ratio | 10.1932% | 2,947 |
| Tier 1 risk-based capital ratio | 12.7125% | 4,679 |
| Total risk-based capital ratio | 13.9743% | 4,639 |
| Memoranda: | ||
| Average total assets | $228,523,000 | 2,833 |
| Average earning assets | $197,081,330 | 2,988 |
| Average equity | $23,097,330 | 2,789 |
| Average total loans | $176,138,330 | 2,469 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6465% | 1,972 |
| Cost of funding earning assets | 1.9894% | 1,130 |
| Net interest margin | 3.6571% | 4,451 |
| Noninterest income to average assets | 0.8661% | 1,754 |
| Noninterest expense to average assets | 3.8555% | 1,236 |
| Loan and lease loss provision to assets | 0.2573% | 3,982 |
| Net operating income to assets | -0.0875% | 6,423 |
| Return on assets (ROA) | 0.0463% | 6,280 |
| Pretax return on assets | 0.0463% | 6,265 |
| Return on Equity (ROE) | 0.4672% | 6,279 |
| Retained earnings to average equity (ytd only) | 0.4672% | 5,648 |
| Net charge-offs to loans | 0.6367% | 2,230 |
| Credit loss provision to net charge-offs | 52.8169% | 4,439 |
| Earnings coverage of net charge-offs (x) | 0.3486% | 4,725 |
| Efficiency ratio | 95.7818% | 1,039 |
| Assets per employee ($millions) | 2.8427% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2342% | 1,685 |
| Loan loss allowance to noncurrent loans | 112.3670% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 4.5292% | 1,492 |
| Noncurrent loans to loans | 1.9883% | 3,804 |
| Net loans and leases to total assets | 74.2476% | 1,920 |
| Net loans and leases to deposits | 95.6656% | 1,151 |
| Net loans and leases to core deposits | 106.7171% | 1,515 |
| Total domestic deposits to total assets | 77.6116% | 6,426 |
| Equity capital to assets | 10.0212% | 3,840 |
| Core capital (leverage) ratio | 9.9253% | 3,257 |
| Tier 1 risk-based capital ratio | 12.1670% | 5,021 |
| Total risk-based capital ratio | 13.4276% | 4,984 |
| Memoranda: | ||
| Average total assets | $233,225,500 | 2,835 |
| Average earning assets | $201,469,500 | 2,974 |
| Average equity | $23,114,000 | 2,812 |
| Average total loans | $178,409,000 | 2,503 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8093% | 2,621 |
| Cost of funding earning assets | 2.5791% | 831 |
| Net interest margin | 3.2302% | 5,992 |
| Noninterest income to average assets | 0.5549% | 3,985 |
| Noninterest expense to average assets | 3.7218% | 1,858 |
| Loan and lease loss provision to assets | 0.4085% | 4,360 |
| Net operating income to assets | -0.7213% | 6,384 |
| Return on assets (ROA) | -0.7213% | 6,378 |
| Pretax return on assets | -0.7213% | 6,210 |
| Return on Equity (ROE) | -7.7377% | 6,447 |
| Retained earnings to average equity (ytd only) | -7.7377% | 6,316 |
| Net charge-offs to loans | 0.3870% | 4,272 |
| Credit loss provision to net charge-offs | 133.8562% | 3,724 |
| Earnings coverage of net charge-offs (x) | -1.0248% | 6,883 |
| Efficiency ratio | 109.1750% | 816 |
| Assets per employee ($millions) | 2.8804% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 1,612 |
| Loan loss allowance to noncurrent loans | 71.4159% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 4.6340% | 1,380 |
| Noncurrent loans to loans | 3.1091% | 2,460 |
| Net loans and leases to total assets | 75.3240% | 1,961 |
| Net loans and leases to deposits | 97.3531% | 1,169 |
| Net loans and leases to core deposits | 122.2905% | 1,756 |
| Total domestic deposits to total assets | 77.3719% | 6,373 |
| Equity capital to assets | 9.8027% | 4,000 |
| Core capital (leverage) ratio | 9.5166% | 3,695 |
| Tier 1 risk-based capital ratio | 11.9450% | 4,995 |
| Total risk-based capital ratio | 13.2058% | 4,936 |
| Memoranda: | ||
| Average total assets | $250,656,000 | 2,601 |
| Average earning assets | $221,472,800 | 2,684 |
| Average equity | $23,366,200 | 2,794 |
| Average total loans | $197,651,200 | 2,313 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8101% | 2,844 |
| Cost of funding earning assets | 2.6606% | 883 |
| Net interest margin | 3.1495% | 6,179 |
| Noninterest income to average assets | 0.6198% | 3,548 |
| Noninterest expense to average assets | 3.6878% | 1,848 |
| Loan and lease loss provision to assets | 0.3036% | 4,544 |
| Net operating income to assets | -0.5778% | 6,506 |
| Return on assets (ROA) | -0.5778% | 6,502 |
| Pretax return on assets | -0.5778% | 6,373 |
| Return on Equity (ROE) | -6.2738% | 6,583 |
| Retained earnings to average equity (ytd only) | -6.2738% | 6,420 |
| Net charge-offs to loans | 0.3585% | 3,855 |
| Credit loss provision to net charge-offs | 106.8266% | 4,757 |
| Earnings coverage of net charge-offs (x) | -0.9649% | 6,624 |
| Efficiency ratio | 108.0338% | 806 |
| Assets per employee ($millions) | 3.0576% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 1,804 |
| Loan loss allowance to noncurrent loans | 54.4961% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 4.2920% | 1,445 |
| Noncurrent loans to loans | 3.6691% | 2,034 |
| Net loans and leases to total assets | 74.6364% | 2,328 |
| Net loans and leases to deposits | 95.6771% | 1,621 |
| Net loans and leases to core deposits | 123.7190% | 1,932 |
| Total domestic deposits to total assets | 78.0087% | 6,087 |
| Equity capital to assets | 9.5237% | 4,714 |
| Core capital (leverage) ratio | 9.3380% | 4,129 |
| Tier 1 risk-based capital ratio | 11.7788% | 5,171 |
| Total risk-based capital ratio | 13.0371% | 5,111 |
| Memoranda: | ||
| Average total assets | $254,272,750 | 2,581 |
| Average earning assets | $225,553,750 | 2,666 |
| Average equity | $23,419,500 | 2,815 |
| Average total loans | $201,577,250 | 2,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9668% | 2,317 |
| Cost of funding earning assets | 2.7285% | 969 |
| Net interest margin | 3.2384% | 5,776 |
| Noninterest income to average assets | 0.8205% | 2,313 |
| Noninterest expense to average assets | 3.7126% | 1,815 |
| Loan and lease loss provision to assets | 0.2223% | 4,810 |
| Net operating income to assets | -0.2404% | 6,248 |
| Return on assets (ROA) | -0.2404% | 6,263 |
| Pretax return on assets | -0.2404% | 6,167 |
| Return on Equity (ROE) | -2.6390% | 6,318 |
| Retained earnings to average equity (ytd only) | -2.6390% | 5,896 |
| Net charge-offs to loans | 0.3208% | 3,579 |
| Credit loss provision to net charge-offs | 86.3222% | 5,020 |
| Earnings coverage of net charge-offs (x) | -0.0699% | 5,772 |
| Efficiency ratio | 100.4874% | 1,152 |
| Assets per employee ($millions) | 2.9960% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 1,908 |
| Loan loss allowance to noncurrent loans | 65.8907% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 3.4183% | 1,831 |
| Noncurrent loans to loans | 2.8082% | 2,564 |
| Net loans and leases to total assets | 77.8208% | 1,789 |
| Net loans and leases to deposits | 97.3728% | 1,616 |
| Net loans and leases to core deposits | 125.6187% | 1,907 |
| Total domestic deposits to total assets | 79.9204% | 5,496 |
| Equity capital to assets | 9.0828% | 5,195 |
| Core capital (leverage) ratio | 9.0618% | 4,533 |
| Tier 1 risk-based capital ratio | 11.0249% | 5,847 |
| Total risk-based capital ratio | 12.2818% | 5,766 |
| Memoranda: | ||
| Average total assets | $255,456,330 | 2,578 |
| Average earning assets | $226,720,330 | 2,671 |
| Average equity | $23,266,670 | 2,839 |
| Average total loans | $205,120,330 | 2,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 2,055 |
| Cost of funding earning assets | 2.8081% | 961 |
| Net interest margin | 3.2647% | 5,641 |
| Noninterest income to average assets | 0.7629% | 2,519 |
| Noninterest expense to average assets | 3.6630% | 1,725 |
| Loan and lease loss provision to assets | 0.2329% | 4,122 |
| Net operating income to assets | -0.2376% | 6,603 |
| Return on assets (ROA) | -0.2376% | 6,680 |
| Pretax return on assets | -0.2376% | 6,612 |
| Return on Equity (ROE) | -2.6055% | 6,734 |
| Retained earnings to average equity (ytd only) | -2.6055% | 6,209 |
| Net charge-offs to loans | 0.3135% | 2,850 |
| Credit loss provision to net charge-offs | 91.9753% | 3,963 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 5,000 |
| Efficiency ratio | 100.1282% | 1,122 |
| Assets per employee ($millions) | 2.9497% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 1,731 |
| Loan loss allowance to noncurrent loans | 68.6339% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 3.3058% | 1,655 |
| Noncurrent loans to loans | 2.7015% | 2,433 |
| Net loans and leases to total assets | 78.6256% | 1,663 |
| Net loans and leases to deposits | 98.1594% | 1,640 |
| Net loans and leases to core deposits | 125.6288% | 1,946 |
| Total domestic deposits to total assets | 80.1000% | 5,332 |
| Equity capital to assets | 9.1858% | 5,104 |
| Core capital (leverage) ratio | 9.0305% | 4,655 |
| Tier 1 risk-based capital ratio | 10.9645% | 5,933 |
| Total risk-based capital ratio | 12.2208% | 5,834 |
| Memoranda: | ||
| Average total assets | $255,856,000 | 2,583 |
| Average earning assets | $226,913,000 | 2,681 |
| Average equity | $23,335,000 | 2,837 |
| Average total loans | $206,724,500 | 2,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7732% | 1,777 |
| Cost of funding earning assets | 3.1411% | 1,378 |
| Net interest margin | 3.6321% | 4,745 |
| Noninterest income to average assets | 0.7814% | 2,615 |
| Noninterest expense to average assets | 3.7514% | 1,852 |
| Loan and lease loss provision to assets | 1.1581% | 1,254 |
| Net operating income to assets | -0.9059% | 7,191 |
| Return on assets (ROA) | -0.9059% | 7,110 |
| Pretax return on assets | -0.9059% | 6,943 |
| Return on Equity (ROE) | -10.8437% | 7,331 |
| Retained earnings to average equity (ytd only) | -10.8437% | 7,146 |
| Net charge-offs to loans | 0.6685% | 1,845 |
| Credit loss provision to net charge-offs | 207.6027% | 2,334 |
| Earnings coverage of net charge-offs (x) | 0.4521% | 5,962 |
| Efficiency ratio | 93.7011% | 1,293 |
| Assets per employee ($millions) | 2.8671% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7985% | 1,638 |
| Loan loss allowance to noncurrent loans | 64.5773% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.5775% | 1,875 |
| Noncurrent loans to loans | 2.7851% | 1,953 |
| Net loans and leases to total assets | 80.0065% | 1,660 |
| Net loans and leases to deposits | 100.0747% | 1,829 |
| Net loans and leases to core deposits | 127.7809% | 2,022 |
| Total domestic deposits to total assets | 79.9468% | 5,041 |
| Equity capital to assets | 9.0560% | 5,295 |
| Core capital (leverage) ratio | 8.7573% | 5,104 |
| Tier 1 risk-based capital ratio | 10.7036% | 6,000 |
| Total risk-based capital ratio | 11.9600% | 5,898 |
| Memoranda: | ||
| Average total assets | $261,714,800 | 2,453 |
| Average earning assets | $232,179,400 | 2,534 |
| Average equity | $21,865,200 | 2,992 |
| Average total loans | $218,402,400 | 2,142 |