Home > Hometown Bank of the Hudson Valley > Performance and Condition Ratios
Hometown Bank of the Hudson Valley, Performance and Condition Ratios
| 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 | 4.1982% | 2,478 |
| Cost of funding earning assets | 0.3432% | 3,652 |
| Net interest margin | 3.8550% | 2,078 |
| Noninterest income to average assets | 1.1433% | 766 |
| Noninterest expense to average assets | 5.1431% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.4750% | 5,678 |
| Return on assets (ROA) | -0.4750% | 5,676 |
| Pretax return on assets | -0.4750% | 5,664 |
| Return on Equity (ROE) | -7.8231% | 5,705 |
| Retained earnings to average equity (ytd only) | -7.8231% | 5,608 |
| Net charge-offs to loans | -0.0096% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7573% | 110 |
| Assets per employee ($millions) | 3.2056% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 1,026 |
| Loan loss allowance to noncurrent loans | 43.2241% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 3.8899% | 180 |
| Noncurrent loans to loans | 3.9699% | 246 |
| Net loans and leases to total assets | 87.7028% | 167 |
| Net loans and leases to deposits | 101.3306% | 651 |
| Net loans and leases to core deposits | 101.6328% | 1,540 |
| Total domestic deposits to total assets | 86.5511% | 2,151 |
| Equity capital to assets | 6.0997% | 5,743 |
| Core capital (leverage) ratio | 5.8346% | 5,748 |
| Tier 1 risk-based capital ratio | 8.0021% | 5,763 |
| Total risk-based capital ratio | 9.2625% | 5,760 |
| Memoranda: | ||
| Average total assets | $117,905,000 | 3,992 |
| Average earning assets | $107,807,670 | 4,021 |
| Average equity | $7,158,330 | 4,991 |
| Average total loans | $103,926,330 | 3,321 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 2,057 |
| Cost of funding earning assets | 0.3383% | 3,658 |
| Net interest margin | 3.9267% | 1,686 |
| Noninterest income to average assets | 1.2555% | 654 |
| Noninterest expense to average assets | 5.4818% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.6412% | 5,759 |
| Return on assets (ROA) | -0.6412% | 5,758 |
| Pretax return on assets | -0.6412% | 5,750 |
| Return on Equity (ROE) | -10.5846% | 5,782 |
| Retained earnings to average equity (ytd only) | -10.5846% | 5,592 |
| Net charge-offs to loans | -0.0115% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9279% | 111 |
| Assets per employee ($millions) | 3.2008% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,152 |
| Loan loss allowance to noncurrent loans | 50.5296% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.2880% | 277 |
| Noncurrent loans to loans | 3.3534% | 373 |
| Net loans and leases to total assets | 86.4636% | 188 |
| Net loans and leases to deposits | 100.5706% | 583 |
| Net loans and leases to core deposits | 101.8683% | 1,379 |
| Total domestic deposits to total assets | 85.9730% | 2,677 |
| Equity capital to assets | 6.0163% | 5,808 |
| Core capital (leverage) ratio | 5.7808% | 5,812 |
| Tier 1 risk-based capital ratio | 7.8864% | 5,828 |
| Total risk-based capital ratio | 9.1470% | 5,827 |
| Memoranda: | ||
| Average total assets | $119,157,500 | 4,008 |
| Average earning assets | $108,792,500 | 4,030 |
| Average equity | $7,218,000 | 5,026 |
| Average total loans | $104,401,500 | 3,335 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,169 |
| Cost of funding earning assets | 0.3176% | 3,874 |
| Net interest margin | 3.9732% | 1,720 |
| Noninterest income to average assets | 1.6931% | 424 |
| Noninterest expense to average assets | 5.7289% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.4144% | 5,769 |
| Return on assets (ROA) | -0.4144% | 5,777 |
| Pretax return on assets | -0.4069% | 5,766 |
| Return on Equity (ROE) | -6.6511% | 5,808 |
| Retained earnings to average equity (ytd only) | -6.6511% | 5,722 |
| Net charge-offs to loans | 0.2513% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -1.8185% | 4,188 |
| Efficiency ratio | 106.4310% | 155 |
| Assets per employee ($millions) | 2.7837% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 857 |
| Loan loss allowance to noncurrent loans | 55.0381% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 3.2950% | 274 |
| Noncurrent loans to loans | 3.3859% | 363 |
| Net loans and leases to total assets | 85.7909% | 246 |
| Net loans and leases to deposits | 100.7782% | 624 |
| Net loans and leases to core deposits | 103.3639% | 1,333 |
| Total domestic deposits to total assets | 85.1284% | 2,989 |
| Equity capital to assets | 6.0486% | 5,855 |
| Core capital (leverage) ratio | 5.5346% | 5,870 |
| Tier 1 risk-based capital ratio | 7.7756% | 5,881 |
| Total risk-based capital ratio | 9.0408% | 5,880 |
| Memoranda: | ||
| Average total assets | $120,668,200 | 3,980 |
| Average earning assets | $110,212,400 | 4,004 |
| Average equity | $7,517,600 | 5,005 |
| Average total loans | $107,442,400 | 3,249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 2,277 |
| Cost of funding earning assets | 0.3062% | 4,030 |
| Net interest margin | 3.9592% | 1,781 |
| Noninterest income to average assets | 1.5460% | 514 |
| Noninterest expense to average assets | 5.5257% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.3683% | 5,837 |
| Return on assets (ROA) | -0.3683% | 5,844 |
| Pretax return on assets | -0.3584% | 5,830 |
| Return on Equity (ROE) | -5.8695% | 5,876 |
| Retained earnings to average equity (ytd only) | -5.8695% | 5,760 |
| Net charge-offs to loans | 0.1862% | 1,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -2.1523% | 3,871 |
| Efficiency ratio | 105.6978% | 160 |
| Assets per employee ($millions) | 2.6728% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9199% | 830 |
| Loan loss allowance to noncurrent loans | 54.9973% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 3.3469% | 310 |
| Noncurrent loans to loans | 3.4909% | 369 |
| Net loans and leases to total assets | 85.9675% | 255 |
| Net loans and leases to deposits | 97.1953% | 932 |
| Net loans and leases to core deposits | 100.4734% | 1,588 |
| Total domestic deposits to total assets | 88.4481% | 1,169 |
| Equity capital to assets | 6.0382% | 5,930 |
| Core capital (leverage) ratio | 5.7428% | 5,934 |
| Tier 1 risk-based capital ratio | 7.8261% | 5,945 |
| Total risk-based capital ratio | 9.0895% | 5,943 |
| Memoranda: | ||
| Average total assets | $120,910,750 | 3,996 |
| Average earning assets | $110,591,250 | 4,019 |
| Average equity | $7,587,000 | 5,049 |
| Average total loans | $108,143,000 | 3,251 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 2,098 |
| Cost of funding earning assets | 0.3043% | 4,073 |
| Net interest margin | 4.0145% | 1,598 |
| Noninterest income to average assets | 1.4456% | 553 |
| Noninterest expense to average assets | 5.4595% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.3610% | 5,894 |
| Return on assets (ROA) | -0.3610% | 5,905 |
| Pretax return on assets | -0.3493% | 5,891 |
| Return on Equity (ROE) | -5.6796% | 5,936 |
| Retained earnings to average equity (ytd only) | -5.6796% | 5,775 |
| Net charge-offs to loans | 0.2789% | 854 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.3907% | 3,597 |
| Efficiency ratio | 105.5664% | 174 |
| Assets per employee ($millions) | 2.8129% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 899 |
| Loan loss allowance to noncurrent loans | 69.0127% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 3.1012% | 387 |
| Noncurrent loans to loans | 2.7498% | 583 |
| Net loans and leases to total assets | 88.4288% | 119 |
| Net loans and leases to deposits | 102.0923% | 555 |
| Net loans and leases to core deposits | 106.7242% | 1,121 |
| Total domestic deposits to total assets | 86.6165% | 2,103 |
| Equity capital to assets | 6.2370% | 6,005 |
| Core capital (leverage) ratio | 5.8505% | 6,009 |
| Tier 1 risk-based capital ratio | 7.8294% | 6,022 |
| Total risk-based capital ratio | 9.0925% | 6,022 |
| Memoranda: | ||
| Average total assets | $120,231,000 | 4,039 |
| Average earning assets | $109,751,330 | 4,062 |
| Average equity | $7,641,330 | 5,081 |
| Average total loans | $108,268,670 | 3,266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,029 |
| Cost of funding earning assets | 0.2931% | 4,246 |
| Net interest margin | 4.0373% | 1,515 |
| Noninterest income to average assets | 1.3548% | 604 |
| Noninterest expense to average assets | 5.4126% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.4004% | 5,944 |
| Return on assets (ROA) | -0.4004% | 5,952 |
| Pretax return on assets | -0.3804% | 5,937 |
| Return on Equity (ROE) | -6.2419% | 5,989 |
| Retained earnings to average equity (ytd only) | -6.2419% | 5,679 |
| Net charge-offs to loans | 0.0371% | 2,243 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -11.4000% | 3,062 |
| Efficiency ratio | 106.2997% | 193 |
| Assets per employee ($millions) | 2.6118% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 741 |
| Loan loss allowance to noncurrent loans | 57.0323% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 3.9186% | 268 |
| Noncurrent loans to loans | 3.6088% | 372 |
| Net loans and leases to total assets | 87.5326% | 143 |
| Net loans and leases to deposits | 101.6735% | 521 |
| Net loans and leases to core deposits | 107.1613% | 1,009 |
| Total domestic deposits to total assets | 86.0918% | 2,637 |
| Equity capital to assets | 6.3540% | 6,052 |
| Core capital (leverage) ratio | 6.0270% | 6,062 |
| Tier 1 risk-based capital ratio | 7.8338% | 6,082 |
| Total risk-based capital ratio | 9.0985% | 6,081 |
| Memoranda: | ||
| Average total assets | $119,869,000 | 4,072 |
| Average earning assets | $109,183,000 | 4,105 |
| Average equity | $7,690,000 | 5,111 |
| Average total loans | $107,889,000 | 3,279 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,083 |
| Cost of funding earning assets | 0.3008% | 4,243 |
| Net interest margin | 4.0423% | 1,584 |
| Noninterest income to average assets | 1.6386% | 482 |
| Noninterest expense to average assets | 5.4224% | 215 |
| Loan and lease loss provision to assets | -0.2505% | 6,028 |
| Net operating income to assets | 0.1792% | 5,624 |
| Return on assets (ROA) | 0.1792% | 5,675 |
| Pretax return on assets | 0.1735% | 5,719 |
| Return on Equity (ROE) | 2.9231% | 5,329 |
| Retained earnings to average equity (ytd only) | 2.9231% | 3,976 |
| Net charge-offs to loans | 0.1099% | 2,279 |
| Credit loss provision to net charge-offs | -255.0000% | 5,318 |
| Earnings coverage of net charge-offs (x) | -0.7833% | 4,323 |
| Efficiency ratio | 100.2450% | 279 |
| Assets per employee ($millions) | 2.6576% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 745 |
| Loan loss allowance to noncurrent loans | 47.4156% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 3.9200% | 269 |
| Noncurrent loans to loans | 4.3191% | 257 |
| Net loans and leases to total assets | 88.7861% | 99 |
| Net loans and leases to deposits | 101.5814% | 572 |
| Net loans and leases to core deposits | 109.7693% | 862 |
| Total domestic deposits to total assets | 87.4039% | 1,924 |
| Equity capital to assets | 6.4770% | 6,098 |
| Core capital (leverage) ratio | 6.1181% | 6,116 |
| Tier 1 risk-based capital ratio | 7.8577% | 6,138 |
| Total risk-based capital ratio | 9.1221% | 6,137 |
| Memoranda: | ||
| Average total assets | $122,179,400 | 4,032 |
| Average earning assets | $112,038,800 | 4,035 |
| Average equity | $7,492,000 | 5,151 |
| Average total loans | $109,182,800 | 3,214 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,024 |
| Cost of funding earning assets | 0.3030% | 4,306 |
| Net interest margin | 4.0639% | 1,518 |
| Noninterest income to average assets | 1.6142% | 484 |
| Noninterest expense to average assets | 5.4569% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1086% | 6,004 |
| Return on assets (ROA) | -0.1086% | 6,027 |
| Pretax return on assets | -0.1161% | 6,019 |
| Return on Equity (ROE) | -1.7948% | 6,060 |
| Retained earnings to average equity (ytd only) | -1.7948% | 5,836 |
| Net charge-offs to loans | 0.1390% | 1,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.9386% | 4,053 |
| Efficiency ratio | 100.9959% | 279 |
| Assets per employee ($millions) | 2.5848% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2893% | 580 |
| Loan loss allowance to noncurrent loans | 51.0793% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 4.1181% | 276 |
| Noncurrent loans to loans | 4.4819% | 246 |
| Net loans and leases to total assets | 88.9552% | 94 |
| Net loans and leases to deposits | 100.2570% | 644 |
| Net loans and leases to core deposits | 108.0744% | 976 |
| Total domestic deposits to total assets | 88.7272% | 1,161 |
| Equity capital to assets | 6.1085% | 6,198 |
| Core capital (leverage) ratio | 5.7308% | 6,210 |
| Tier 1 risk-based capital ratio | 7.4439% | 6,226 |
| Total risk-based capital ratio | 8.7123% | 6,227 |
| Memoranda: | ||
| Average total assets | $122,826,000 | 4,072 |
| Average earning assets | $112,630,000 | 4,069 |
| Average equity | $7,428,500 | 5,229 |
| Average total loans | $109,378,000 | 3,244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 1,949 |
| Cost of funding earning assets | 0.3101% | 4,279 |
| Net interest margin | 4.0593% | 1,472 |
| Noninterest income to average assets | 1.4164% | 634 |
| Noninterest expense to average assets | 5.3378% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1931% | 6,098 |
| Return on assets (ROA) | -0.1931% | 6,123 |
| Pretax return on assets | -0.2044% | 6,110 |
| Return on Equity (ROE) | -3.2028% | 6,159 |
| Retained earnings to average equity (ytd only) | -3.2028% | 5,932 |
| Net charge-offs to loans | 0.2368% | 1,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.9767% | 3,768 |
| Efficiency ratio | 102.7497% | 275 |
| Assets per employee ($millions) | 2.6561% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 634 |
| Loan loss allowance to noncurrent loans | 50.3601% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 4.4827% | 264 |
| Noncurrent loans to loans | 4.5544% | 292 |
| Net loans and leases to total assets | 87.7575% | 157 |
| Net loans and leases to deposits | 97.3489% | 850 |
| Net loans and leases to core deposits | 104.7642% | 1,145 |
| Total domestic deposits to total assets | 90.1474% | 600 |
| Equity capital to assets | 6.0492% | 6,268 |
| Core capital (leverage) ratio | 5.6699% | 6,279 |
| Tier 1 risk-based capital ratio | 7.3114% | 6,301 |
| Total risk-based capital ratio | 8.5793% | 6,300 |
| Memoranda: | ||
| Average total assets | $123,272,330 | 4,086 |
| Average earning assets | $112,877,330 | 4,096 |
| Average equity | $7,431,000 | 5,274 |
| Average total loans | $108,970,330 | 3,270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 1,882 |
| Cost of funding earning assets | 0.3286% | 4,114 |
| Net interest margin | 4.0383% | 1,446 |
| Noninterest income to average assets | 1.1178% | 907 |
| Noninterest expense to average assets | 5.2723% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.4394% | 6,227 |
| Return on assets (ROA) | -0.4394% | 6,241 |
| Pretax return on assets | -0.4620% | 6,234 |
| Return on Equity (ROE) | -7.3010% | 6,297 |
| Retained earnings to average equity (ytd only) | -7.3010% | 6,051 |
| Net charge-offs to loans | 0.3868% | 637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.3619% | 3,189 |
| Efficiency ratio | 108.3277% | 208 |
| Assets per employee ($millions) | 2.6097% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 640 |
| Loan loss allowance to noncurrent loans | 50.2174% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 4.7368% | 272 |
| Noncurrent loans to loans | 4.7274% | 305 |
| Net loans and leases to total assets | 85.1920% | 240 |
| Net loans and leases to deposits | 91.8750% | 1,202 |
| Net loans and leases to core deposits | 98.6360% | 1,417 |
| Total domestic deposits to total assets | 92.7261% | 77 |
| Equity capital to assets | 6.0225% | 6,336 |
| Core capital (leverage) ratio | 5.5809% | 6,345 |
| Tier 1 risk-based capital ratio | 7.2859% | 6,368 |
| Total risk-based capital ratio | 8.5541% | 6,368 |
| Memoranda: | ||
| Average total assets | $123,818,000 | 4,108 |
| Average earning assets | $113,215,000 | 4,114 |
| Average equity | $7,451,000 | 5,315 |
| Average total loans | $108,585,500 | 3,285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 2,448 |
| Cost of funding earning assets | 0.3390% | 4,378 |
| Net interest margin | 4.0041% | 1,886 |
| Noninterest income to average assets | 0.9520% | 1,341 |
| Noninterest expense to average assets | 5.4689% | 235 |
| Loan and lease loss provision to assets | 1.2079% | 79 |
| Net operating income to assets | -2.1674% | 6,461 |
| Return on assets (ROA) | -2.1674% | 6,459 |
| Pretax return on assets | -2.1516% | 6,453 |
| Return on Equity (ROE) | -33.3264% | 6,474 |
| Retained earnings to average equity (ytd only) | -33.3264% | 6,467 |
| Net charge-offs to loans | 1.4950% | 165 |
| Credit loss provision to net charge-offs | 94.4118% | 2,548 |
| Earnings coverage of net charge-offs (x) | -0.7376% | 4,781 |
| Efficiency ratio | 119.5576% | 132 |
| Assets per employee ($millions) | 2.9065% | 5,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 623 |
| Loan loss allowance to noncurrent loans | 46.1861% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 5.1841% | 255 |
| Noncurrent loans to loans | 5.2018% | 271 |
| Net loans and leases to total assets | 86.0064% | 205 |
| Net loans and leases to deposits | 92.6702% | 1,219 |
| Net loans and leases to core deposits | 99.0764% | 1,461 |
| Total domestic deposits to total assets | 92.8092% | 79 |
| Equity capital to assets | 6.0130% | 6,410 |
| Core capital (leverage) ratio | 5.6006% | 6,431 |
| Tier 1 risk-based capital ratio | 7.5744% | 6,456 |
| Total risk-based capital ratio | 8.8450% | 6,457 |
| Memoranda: | ||
| Average total assets | $132,878,600 | 3,926 |
| Average earning assets | $118,579,200 | 3,998 |
| Average equity | $8,641,800 | 5,057 |
| Average total loans | $113,715,400 | 3,148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 2,337 |
| Cost of funding earning assets | 0.3375% | 4,500 |
| Net interest margin | 4.0344% | 1,773 |
| Noninterest income to average assets | 0.8661% | 1,641 |
| Noninterest expense to average assets | 5.4962% | 229 |
| Loan and lease loss provision to assets | 1.5829% | 53 |
| Net operating income to assets | -2.6319% | 6,549 |
| Return on assets (ROA) | -2.6319% | 6,551 |
| Pretax return on assets | -2.6319% | 6,549 |
| Return on Equity (ROE) | -39.7741% | 6,559 |
| Retained earnings to average equity (ytd only) | -39.7741% | 6,556 |
| Net charge-offs to loans | 1.8660% | 115 |
| Credit loss provision to net charge-offs | 99.8130% | 2,251 |
| Earnings coverage of net charge-offs (x) | -0.6615% | 4,512 |
| Efficiency ratio | 122.2988% | 121 |
| Assets per employee ($millions) | 2.7226% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4665% | 672 |
| Loan loss allowance to noncurrent loans | 52.2121% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 4.4404% | 415 |
| Noncurrent loans to loans | 4.7241% | 404 |
| Net loans and leases to total assets | 82.8459% | 425 |
| Net loans and leases to deposits | 89.2005% | 1,523 |
| Net loans and leases to core deposits | 95.4770% | 1,720 |
| Total domestic deposits to total assets | 92.8761% | 86 |
| Equity capital to assets | 5.8958% | 6,485 |
| Core capital (leverage) ratio | 5.5061% | 6,503 |
| Tier 1 risk-based capital ratio | 7.6493% | 6,519 |
| Total risk-based capital ratio | 8.9206% | 6,518 |
| Memoranda: | ||
| Average total assets | $134,853,500 | 3,922 |
| Average earning assets | $119,701,750 | 3,997 |
| Average equity | $8,923,500 | 5,031 |
| Average total loans | $114,610,250 | 3,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,241 |
| Cost of funding earning assets | 0.3303% | 4,645 |
| Net interest margin | 4.0533% | 1,653 |
| Noninterest income to average assets | 0.6694% | 2,431 |
| Noninterest expense to average assets | 5.6517% | 215 |
| Loan and lease loss provision to assets | 2.2577% | 29 |
| Net operating income to assets | -3.6729% | 6,637 |
| Return on assets (ROA) | -3.6729% | 6,638 |
| Pretax return on assets | -3.6729% | 6,638 |
| Return on Equity (ROE) | -53.6353% | 6,638 |
| Retained earnings to average equity (ytd only) | -53.6353% | 6,632 |
| Net charge-offs to loans | 2.9462% | 55 |
| Credit loss provision to net charge-offs | 90.1524% | 2,177 |
| Earnings coverage of net charge-offs (x) | -0.5651% | 4,181 |
| Efficiency ratio | 132.0513% | 91 |
| Assets per employee ($millions) | 2.3851% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3036% | 895 |
| Loan loss allowance to noncurrent loans | 68.8520% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 3.2541% | 752 |
| Noncurrent loans to loans | 3.3457% | 825 |
| Net loans and leases to total assets | 80.2645% | 657 |
| Net loans and leases to deposits | 86.4038% | 1,781 |
| Net loans and leases to core deposits | 93.3249% | 1,836 |
| Total domestic deposits to total assets | 92.8946% | 89 |
| Equity capital to assets | 5.7895% | 6,548 |
| Core capital (leverage) ratio | 5.3963% | 6,570 |
| Tier 1 risk-based capital ratio | 7.6807% | 6,576 |
| Total risk-based capital ratio | 8.9485% | 6,577 |
| Memoranda: | ||
| Average total assets | $136,242,670 | 3,916 |
| Average earning assets | $119,903,330 | 4,010 |
| Average equity | $9,329,670 | 4,957 |
| Average total loans | $115,811,670 | 3,140 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3602% | 2,293 |
| Cost of funding earning assets | 0.3119% | 4,950 |
| Net interest margin | 4.0483% | 1,608 |
| Noninterest income to average assets | 0.9004% | 1,393 |
| Noninterest expense to average assets | 5.5724% | 228 |
| Loan and lease loss provision to assets | 0.5367% | 262 |
| Net operating income to assets | -1.6306% | 6,643 |
| Return on assets (ROA) | -1.6306% | 6,638 |
| Pretax return on assets | -1.6306% | 6,622 |
| Return on Equity (ROE) | -22.1096% | 6,637 |
| Retained earnings to average equity (ytd only) | -22.1096% | 6,553 |
| Net charge-offs to loans | 1.7748% | 161 |
| Credit loss provision to net charge-offs | 34.9904% | 2,356 |
| Earnings coverage of net charge-offs (x) | -0.7132% | 3,496 |
| Efficiency ratio | 123.1827% | 155 |
| Assets per employee ($millions) | 2.4002% | 6,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0432% | 1,434 |
| Loan loss allowance to noncurrent loans | 25.6545% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 7.3329% | 199 |
| Noncurrent loans to loans | 7.9644% | 167 |
| Net loans and leases to total assets | 84.1385% | 230 |
| Net loans and leases to deposits | 91.9607% | 960 |
| Net loans and leases to core deposits | 99.3973% | 1,143 |
| Total domestic deposits to total assets | 91.4940% | 378 |
| Equity capital to assets | 7.1567% | 6,407 |
| Core capital (leverage) ratio | 6.6243% | 6,528 |
| Tier 1 risk-based capital ratio | 8.8890% | 6,602 |
| Total risk-based capital ratio | 10.1526% | 6,597 |
| Memoranda: | ||
| Average total assets | $136,387,500 | 3,945 |
| Average earning assets | $120,544,000 | 4,029 |
| Average equity | $10,059,000 | 4,802 |
| Average total loans | $117,870,000 | 3,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,471 |
| Cost of funding earning assets | 0.3280% | 5,346 |
| Net interest margin | 4.1019% | 1,627 |
| Noninterest income to average assets | 0.5632% | 3,307 |
| Noninterest expense to average assets | 5.9394% | 208 |
| Loan and lease loss provision to assets | 2.1238% | 44 |
| Net operating income to assets | -4.7133% | 6,797 |
| Return on assets (ROA) | -4.7133% | 6,796 |
| Pretax return on assets | -3.9527% | 6,783 |
| Return on Equity (ROE) | -48.5188% | 6,770 |
| Retained earnings to average equity (ytd only) | -48.5188% | 6,767 |
| Net charge-offs to loans | 2.4851% | 117 |
| Credit loss provision to net charge-offs | 104.2009% | 2,326 |
| Earnings coverage of net charge-offs (x) | -0.8973% | 5,252 |
| Efficiency ratio | 143.2384% | 75 |
| Assets per employee ($millions) | 2.3045% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3184% | 1,023 |
| Loan loss allowance to noncurrent loans | 29.2592% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 7.2570% | 228 |
| Noncurrent loans to loans | 7.9235% | 198 |
| Net loans and leases to total assets | 84.9396% | 203 |
| Net loans and leases to deposits | 93.3403% | 929 |
| Net loans and leases to core deposits | 101.4129% | 1,066 |
| Total domestic deposits to total assets | 91.0000% | 568 |
| Equity capital to assets | 7.5953% | 6,235 |
| Core capital (leverage) ratio | 7.0518% | 6,516 |
| Tier 1 risk-based capital ratio | 9.3644% | 6,619 |
| Total risk-based capital ratio | 10.6327% | 6,602 |
| Memoranda: | ||
| Average total assets | $149,493,200 | 3,713 |
| Average earning assets | $129,282,600 | 3,860 |
| Average equity | $14,522,200 | 3,962 |
| Average total loans | $122,611,000 | 2,992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 2,293 |
| Cost of funding earning assets | 0.3322% | 5,449 |
| Net interest margin | 4.1518% | 1,476 |
| Noninterest income to average assets | 0.4274% | 4,320 |
| Noninterest expense to average assets | 5.8957% | 213 |
| Loan and lease loss provision to assets | 1.9684% | 42 |
| Net operating income to assets | -4.8500% | 6,878 |
| Return on assets (ROA) | -4.8500% | 6,878 |
| Pretax return on assets | -3.8723% | 6,865 |
| Return on Equity (ROE) | -47.6172% | 6,857 |
| Retained earnings to average equity (ytd only) | -47.6172% | 6,854 |
| Net charge-offs to loans | 2.4951% | 126 |
| Credit loss provision to net charge-offs | 97.4946% | 2,452 |
| Earnings coverage of net charge-offs (x) | -0.9430% | 5,005 |
| Efficiency ratio | 146.4278% | 84 |
| Assets per employee ($millions) | 2.3887% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1496% | 1,412 |
| Loan loss allowance to noncurrent loans | 25.2396% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 7.3357% | 267 |
| Noncurrent loans to loans | 8.5168% | 201 |
| Net loans and leases to total assets | 78.5323% | 698 |
| Net loans and leases to deposits | 86.7630% | 1,515 |
| Net loans and leases to core deposits | 93.7165% | 1,599 |
| Total domestic deposits to total assets | 90.5136% | 738 |
| Equity capital to assets | 7.9779% | 6,165 |
| Core capital (leverage) ratio | 7.2735% | 6,519 |
| Tier 1 risk-based capital ratio | 10.0646% | 6,581 |
| Total risk-based capital ratio | 11.3290% | 6,547 |
| Memoranda: | ||
| Average total assets | $152,875,000 | 3,692 |
| Average earning assets | $131,248,000 | 3,857 |
| Average equity | $15,571,000 | 3,817 |
| Average total loans | $123,706,250 | 2,980 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,894 |
| Cost of funding earning assets | 0.3377% | 5,503 |
| Net interest margin | 4.2483% | 1,146 |
| Noninterest income to average assets | 1.0863% | 1,299 |
| Noninterest expense to average assets | 5.3720% | 278 |
| Loan and lease loss provision to assets | 0.2525% | 1,468 |
| Net operating income to assets | -0.5334% | 6,647 |
| Return on assets (ROA) | -0.5334% | 6,657 |
| Pretax return on assets | -0.9063% | 6,722 |
| Return on Equity (ROE) | -4.8981% | 6,639 |
| Retained earnings to average equity (ytd only) | -4.8981% | 6,455 |
| Net charge-offs to loans | 0.4804% | 1,375 |
| Credit loss provision to net charge-offs | 64.7841% | 2,931 |
| Earnings coverage of net charge-offs (x) | -1.6777% | 4,753 |
| Efficiency ratio | 112.7881% | 240 |
| Assets per employee ($millions) | 2.4235% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 1,811 |
| Loan loss allowance to noncurrent loans | 23.3840% | 6,223 |
| Noncurrent assets plus other real estate owned to assets | 7.7140% | 283 |
| Noncurrent loans to loans | 8.6304% | 216 |
| Net loans and leases to total assets | 78.4729% | 702 |
| Net loans and leases to deposits | 88.8562% | 1,246 |
| Net loans and leases to core deposits | 95.5895% | 1,389 |
| Total domestic deposits to total assets | 88.3145% | 2,032 |
| Equity capital to assets | 10.6765% | 3,090 |
| Core capital (leverage) ratio | 9.2370% | 4,639 |
| Tier 1 risk-based capital ratio | 11.9875% | 5,799 |
| Total risk-based capital ratio | 13.2483% | 5,743 |
| Memoranda: | ||
| Average total assets | $154,467,670 | 3,697 |
| Average earning assets | $132,052,670 | 3,868 |
| Average equity | $16,823,000 | 3,648 |
| Average total loans | $125,322,000 | 2,963 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5948% | 1,838 |
| Cost of funding earning assets | 0.3436% | 5,607 |
| Net interest margin | 4.2512% | 1,068 |
| Noninterest income to average assets | 1.3156% | 890 |
| Noninterest expense to average assets | 5.4026% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.2595% | 6,552 |
| Return on assets (ROA) | -0.2595% | 6,584 |
| Pretax return on assets | -0.4593% | 6,660 |
| Return on Equity (ROE) | -2.3593% | 6,578 |
| Retained earnings to average equity (ytd only) | -2.3593% | 6,118 |
| Net charge-offs to loans | 0.0318% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -17.7000% | 4,117 |
| Efficiency ratio | 108.2940% | 352 |
| Assets per employee ($millions) | 2.2257% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 1,822 |
| Loan loss allowance to noncurrent loans | 22.3933% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 8.4317% | 284 |
| Noncurrent loans to loans | 9.3279% | 248 |
| Net loans and leases to total assets | 79.4480% | 476 |
| Net loans and leases to deposits | 90.3251% | 939 |
| Net loans and leases to core deposits | 97.7159% | 1,099 |
| Total domestic deposits to total assets | 87.9578% | 2,344 |
| Equity capital to assets | 11.0089% | 2,950 |
| Core capital (leverage) ratio | 9.6075% | 3,907 |
| Tier 1 risk-based capital ratio | 12.6610% | 5,462 |
| Total risk-based capital ratio | 13.9240% | 5,404 |
| Memoranda: | ||
| Average total assets | $154,148,000 | 3,740 |
| Average earning assets | $131,540,000 | 3,908 |
| Average equity | $16,954,500 | 3,682 |
| Average total loans | $125,871,000 | 2,970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 2,239 |
| Cost of funding earning assets | 0.4353% | 5,682 |
| Net interest margin | 4.3549% | 1,270 |
| Noninterest income to average assets | 1.2858% | 936 |
| Noninterest expense to average assets | 5.1946% | 335 |
| Loan and lease loss provision to assets | 0.9267% | 476 |
| Net operating income to assets | -0.6643% | 6,636 |
| Return on assets (ROA) | -0.6643% | 6,667 |
| Pretax return on assets | -1.1003% | 6,757 |
| Return on Equity (ROE) | -6.6683% | 6,644 |
| Retained earnings to average equity (ytd only) | -6.6683% | 6,511 |
| Net charge-offs to loans | 0.4374% | 2,488 |
| Credit loss provision to net charge-offs | 258.0311% | 929 |
| Earnings coverage of net charge-offs (x) | -0.4836% | 5,670 |
| Efficiency ratio | 102.4954% | 481 |
| Assets per employee ($millions) | 2.2753% | 6,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0554% | 1,873 |
| Loan loss allowance to noncurrent loans | 20.2276% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 9.3414% | 252 |
| Noncurrent loans to loans | 10.1616% | 226 |
| Net loans and leases to total assets | 80.4763% | 428 |
| Net loans and leases to deposits | 91.6581% | 940 |
| Net loans and leases to core deposits | 99.2325% | 1,067 |
| Total domestic deposits to total assets | 87.8005% | 2,345 |
| Equity capital to assets | 10.9889% | 2,964 |
| Core capital (leverage) ratio | 9.8014% | 3,656 |
| Tier 1 risk-based capital ratio | 12.7288% | 5,310 |
| Total risk-based capital ratio | 13.9911% | 5,237 |
| Memoranda: | ||
| Average total assets | $161,224,400 | 3,603 |
| Average earning assets | $138,281,800 | 3,749 |
| Average equity | $16,061,000 | 3,760 |
| Average total loans | $132,381,000 | 2,835 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 1,957 |
| Cost of funding earning assets | 0.4522% | 5,776 |
| Net interest margin | 4.4621% | 1,068 |
| Noninterest income to average assets | 1.2625% | 933 |
| Noninterest expense to average assets | 5.1375% | 334 |
| Loan and lease loss provision to assets | 1.1315% | 335 |
| Net operating income to assets | -0.7016% | 6,777 |
| Return on assets (ROA) | -0.7016% | 6,805 |
| Pretax return on assets | -1.1691% | 6,904 |
| Return on Equity (ROE) | -7.2201% | 6,791 |
| Retained earnings to average equity (ytd only) | -7.2201% | 6,725 |
| Net charge-offs to loans | 0.2792% | 3,048 |
| Credit loss provision to net charge-offs | 493.5714% | 543 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 5,402 |
| Efficiency ratio | 99.8074% | 542 |
| Assets per employee ($millions) | 2.3384% | 6,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1403% | 1,832 |
| Loan loss allowance to noncurrent loans | 59.5871% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 3.9319% | 1,233 |
| Noncurrent loans to loans | 3.5918% | 1,507 |
| Net loans and leases to total assets | 79.3465% | 562 |
| Net loans and leases to deposits | 88.6274% | 1,280 |
| Net loans and leases to core deposits | 95.8457% | 1,424 |
| Total domestic deposits to total assets | 89.5282% | 1,109 |
| Equity capital to assets | 9.4299% | 5,289 |
| Core capital (leverage) ratio | 8.1138% | 6,219 |
| Tier 1 risk-based capital ratio | 10.7544% | 6,586 |
| Total risk-based capital ratio | 12.0179% | 6,558 |
| Memoranda: | ||
| Average total assets | $162,850,500 | 3,605 |
| Average earning assets | $140,049,250 | 3,764 |
| Average equity | $15,825,750 | 3,845 |
| Average total loans | $133,694,750 | 2,842 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 2,070 |
| Cost of funding earning assets | 0.4669% | 5,851 |
| Net interest margin | 4.4429% | 1,096 |
| Noninterest income to average assets | 1.2305% | 942 |
| Noninterest expense to average assets | 4.8974% | 403 |
| Loan and lease loss provision to assets | 0.0539% | 4,984 |
| Net operating income to assets | 0.0771% | 6,211 |
| Return on assets (ROA) | 0.0771% | 6,351 |
| Pretax return on assets | 0.1004% | 6,327 |
| Return on Equity (ROE) | 0.7861% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.7861% | 5,751 |
| Net charge-offs to loans | -0.1604% | 6,962 |
| Credit loss provision to net charge-offs | -40.7407% | 5,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0010% | 704 |
| Assets per employee ($millions) | 2.4635% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 4,513 |
| Loan loss allowance to noncurrent loans | 37.3511% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 4.3791% | 1,138 |
| Noncurrent loans to loans | 3.7088% | 1,529 |
| Net loans and leases to total assets | 80.9993% | 405 |
| Net loans and leases to deposits | 90.8925% | 1,057 |
| Net loans and leases to core deposits | 98.2689% | 1,249 |
| Total domestic deposits to total assets | 89.1155% | 1,444 |
| Equity capital to assets | 9.9164% | 4,459 |
| Core capital (leverage) ratio | 8.7212% | 5,344 |
| Tier 1 risk-based capital ratio | 11.6679% | 6,126 |
| Total risk-based capital ratio | 12.9219% | 6,104 |
| Memoranda: | ||
| Average total assets | $163,351,330 | 3,608 |
| Average earning assets | $140,495,000 | 3,777 |
| Average equity | $16,029,330 | 3,800 |
| Average total loans | $134,651,670 | 2,842 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9384% | 2,095 |
| Cost of funding earning assets | 0.4856% | 5,897 |
| Net interest margin | 4.4528% | 1,104 |
| Noninterest income to average assets | 1.2679% | 885 |
| Noninterest expense to average assets | 5.1328% | 340 |
| Loan and lease loss provision to assets | 0.0611% | 4,652 |
| Net operating income to assets | -0.0440% | 6,477 |
| Return on assets (ROA) | -0.0440% | 6,573 |
| Pretax return on assets | -0.0953% | 6,599 |
| Return on Equity (ROE) | -0.4505% | 6,586 |
| Retained earnings to average equity (ytd only) | -0.4505% | 6,076 |
| Net charge-offs to loans | 0.0059% | 4,667 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 4,682 |
| Efficiency ratio | 99.7604% | 561 |
| Assets per employee ($millions) | 2.4156% | 6,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 5,076 |
| Loan loss allowance to noncurrent loans | 33.4305% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 4.6557% | 1,136 |
| Noncurrent loans to loans | 3.8499% | 1,607 |
| Net loans and leases to total assets | 81.5581% | 300 |
| Net loans and leases to deposits | 91.4505% | 842 |
| Net loans and leases to core deposits | 99.0099% | 1,051 |
| Total domestic deposits to total assets | 89.1827% | 1,575 |
| Equity capital to assets | 9.9028% | 4,252 |
| Core capital (leverage) ratio | 8.6978% | 5,297 |
| Tier 1 risk-based capital ratio | 11.4853% | 6,289 |
| Total risk-based capital ratio | 12.7338% | 6,273 |
| Memoranda: | ||
| Average total assets | $163,732,500 | 3,627 |
| Average earning assets | $140,856,500 | 3,795 |
| Average equity | $15,982,500 | 3,822 |
| Average total loans | $135,204,500 | 2,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0286% | 2,762 |
| Cost of funding earning assets | 0.5714% | 6,230 |
| Net interest margin | 4.4573% | 1,237 |
| Noninterest income to average assets | 0.7415% | 2,384 |
| Noninterest expense to average assets | 4.4150% | 637 |
| Loan and lease loss provision to assets | 0.6681% | 1,530 |
| Net operating income to assets | -0.2081% | 6,268 |
| Return on assets (ROA) | -0.2451% | 6,359 |
| Pretax return on assets | -0.3986% | 6,420 |
| Return on Equity (ROE) | -2.3909% | 6,364 |
| Retained earnings to average equity (ytd only) | -2.3909% | 6,202 |
| Net charge-offs to loans | 0.5170% | 2,921 |
| Credit loss provision to net charge-offs | 147.8502% | 1,925 |
| Earnings coverage of net charge-offs (x) | 0.6782% | 5,307 |
| Efficiency ratio | 93.1767% | 970 |
| Assets per employee ($millions) | 2.4003% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 5,219 |
| Loan loss allowance to noncurrent loans | 55.4178% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.9886% | 1,440 |
| Noncurrent loans to loans | 2.2415% | 2,906 |
| Net loans and leases to total assets | 81.5073% | 374 |
| Net loans and leases to deposits | 91.0522% | 1,047 |
| Net loans and leases to core deposits | 100.5415% | 1,128 |
| Total domestic deposits to total assets | 89.5171% | 1,258 |
| Equity capital to assets | 9.6231% | 4,714 |
| Core capital (leverage) ratio | 9.2109% | 4,450 |
| Tier 1 risk-based capital ratio | 12.3548% | 5,578 |
| Total risk-based capital ratio | 13.5572% | 5,584 |
| Memoranda: | ||
| Average total assets | $159,548,800 | 3,636 |
| Average earning assets | $142,464,400 | 3,704 |
| Average equity | $16,353,400 | 3,672 |
| Average total loans | $139,466,600 | 2,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 2,773 |
| Cost of funding earning assets | 0.5870% | 6,344 |
| Net interest margin | 4.4789% | 1,196 |
| Noninterest income to average assets | 1.0445% | 1,236 |
| Noninterest expense to average assets | 4.4935% | 581 |
| Loan and lease loss provision to assets | 0.2337% | 3,681 |
| Net operating income to assets | 0.2202% | 5,646 |
| Return on assets (ROA) | 0.1704% | 5,903 |
| Pretax return on assets | 0.3037% | 5,698 |
| Return on Equity (ROE) | 1.6365% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.6365% | 5,322 |
| Net charge-offs to loans | 0.2254% | 4,029 |
| Credit loss provision to net charge-offs | 116.8776% | 2,796 |
| Earnings coverage of net charge-offs (x) | 2.9367% | 3,678 |
| Efficiency ratio | 88.3427% | 1,310 |
| Assets per employee ($millions) | 2.7810% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 6,205 |
| Loan loss allowance to noncurrent loans | 31.9715% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 4.2100% | 1,452 |
| Noncurrent loans to loans | 3.1698% | 2,188 |
| Net loans and leases to total assets | 80.2031% | 498 |
| Net loans and leases to deposits | 89.7765% | 1,243 |
| Net loans and leases to core deposits | 98.9038% | 1,348 |
| Total domestic deposits to total assets | 89.3364% | 1,233 |
| Equity capital to assets | 9.7375% | 4,725 |
| Core capital (leverage) ratio | 9.3286% | 4,414 |
| Tier 1 risk-based capital ratio | 12.8387% | 5,213 |
| Total risk-based capital ratio | 13.7213% | 5,507 |
| Memoranda: | ||
| Average total assets | $158,030,500 | 3,689 |
| Average earning assets | $142,411,000 | 3,728 |
| Average equity | $16,457,250 | 3,668 |
| Average total loans | $140,160,250 | 2,807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1557% | 2,439 |
| Cost of funding earning assets | 0.6140% | 6,388 |
| Net interest margin | 4.5417% | 1,031 |
| Noninterest income to average assets | 1.1702% | 927 |
| Noninterest expense to average assets | 4.5330% | 574 |
| Loan and lease loss provision to assets | 0.2309% | 3,602 |
| Net operating income to assets | 0.3373% | 5,223 |
| Return on assets (ROA) | 0.3373% | 5,357 |
| Pretax return on assets | 0.5423% | 4,928 |
| Return on Equity (ROE) | 3.1637% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.1637% | 4,258 |
| Net charge-offs to loans | 0.2836% | 3,461 |
| Credit loss provision to net charge-offs | 89.0000% | 3,485 |
| Earnings coverage of net charge-offs (x) | 2.9800% | 3,360 |
| Efficiency ratio | 85.4279% | 1,658 |
| Assets per employee ($millions) | 2.4174% | 7,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 6,507 |
| Loan loss allowance to noncurrent loans | 20.3175% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 5.1735% | 1,178 |
| Noncurrent loans to loans | 4.6817% | 1,407 |
| Net loans and leases to total assets | 91.0069% | 30 |
| Net loans and leases to deposits | 106.0128% | 263 |
| Net loans and leases to core deposits | 118.8886% | 446 |
| Total domestic deposits to total assets | 85.8451% | 3,413 |
| Equity capital to assets | 10.8829% | 3,087 |
| Core capital (leverage) ratio | 10.8835% | 2,349 |
| Tier 1 risk-based capital ratio | 14.0224% | 4,157 |
| Total risk-based capital ratio | 14.8861% | 4,408 |
| Memoranda: | ||
| Average total assets | $154,159,670 | 3,775 |
| Average earning assets | $140,388,000 | 3,786 |
| Average equity | $16,436,670 | 3,664 |
| Average total loans | $141,063,000 | 2,826 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 2,511 |
| Cost of funding earning assets | 0.6328% | 6,466 |
| Net interest margin | 4.4974% | 1,080 |
| Noninterest income to average assets | 1.0136% | 1,289 |
| Noninterest expense to average assets | 4.4954% | 595 |
| Loan and lease loss provision to assets | 0.0619% | 5,221 |
| Net operating income to assets | 0.3379% | 5,235 |
| Return on assets (ROA) | 0.3379% | 5,311 |
| Pretax return on assets | 0.5442% | 4,884 |
| Return on Equity (ROE) | 3.2014% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.2014% | 4,255 |
| Net charge-offs to loans | 0.0508% | 4,429 |
| Credit loss provision to net charge-offs | 133.3333% | 2,077 |
| Earnings coverage of net charge-offs (x) | 13.0556% | 1,459 |
| Efficiency ratio | 88.1193% | 1,503 |
| Assets per employee ($millions) | 2.4184% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 6,509 |
| Loan loss allowance to noncurrent loans | 22.5411% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 5.0310% | 1,252 |
| Noncurrent loans to loans | 4.2700% | 1,669 |
| Net loans and leases to total assets | 90.3456% | 36 |
| Net loans and leases to deposits | 108.2079% | 209 |
| Net loans and leases to core deposits | 121.5141% | 389 |
| Total domestic deposits to total assets | 83.4926% | 4,705 |
| Equity capital to assets | 10.6197% | 3,066 |
| Core capital (leverage) ratio | 10.6208% | 2,491 |
| Tier 1 risk-based capital ratio | 13.6134% | 4,347 |
| Total risk-based capital ratio | 14.4821% | 4,617 |
| Memoranda: | ||
| Average total assets | $155,092,500 | 3,792 |
| Average earning assets | $140,971,500 | 3,803 |
| Average equity | $16,368,000 | 3,661 |
| Average total loans | $141,630,000 | 2,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3915% | 2,710 |
| Cost of funding earning assets | 0.8341% | 6,424 |
| Net interest margin | 4.5574% | 1,116 |
| Noninterest income to average assets | 1.1875% | 1,055 |
| Noninterest expense to average assets | 4.1382% | 972 |
| Loan and lease loss provision to assets | 0.5533% | 2,923 |
| Net operating income to assets | 0.4025% | 4,526 |
| Return on assets (ROA) | 0.4025% | 4,666 |
| Pretax return on assets | 0.6380% | 4,207 |
| Return on Equity (ROE) | 3.9234% | 4,560 |
| Retained earnings to average equity (ytd only) | 3.9234% | 3,111 |
| Net charge-offs to loans | 0.5643% | 3,362 |
| Credit loss provision to net charge-offs | 108.7011% | 4,060 |
| Earnings coverage of net charge-offs (x) | 2.3405% | 3,975 |
| Efficiency ratio | 77.6466% | 2,771 |
| Assets per employee ($millions) | 2.4282% | 7,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,568 |
| Loan loss allowance to noncurrent loans | 21.4967% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 5.2643% | 1,183 |
| Noncurrent loans to loans | 4.4304% | 1,611 |
| Net loans and leases to total assets | 90.5448% | 49 |
| Net loans and leases to deposits | 106.1601% | 315 |
| Net loans and leases to core deposits | 118.3359% | 578 |
| Total domestic deposits to total assets | 85.2908% | 3,719 |
| Equity capital to assets | 10.4880% | 3,169 |
| Core capital (leverage) ratio | 10.4897% | 2,570 |
| Tier 1 risk-based capital ratio | 13.5226% | 4,180 |
| Total risk-based capital ratio | 14.3877% | 4,452 |
| Memoranda: | ||
| Average total assets | $155,793,200 | 3,777 |
| Average earning assets | $141,594,200 | 3,788 |
| Average equity | $15,981,200 | 3,770 |
| Average total loans | $140,534,400 | 2,941 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3848% | 2,948 |
| Cost of funding earning assets | 0.8830% | 6,459 |
| Net interest margin | 4.5018% | 1,254 |
| Noninterest income to average assets | 1.1110% | 1,143 |
| Noninterest expense to average assets | 4.0532% | 985 |
| Loan and lease loss provision to assets | 0.4687% | 3,129 |
| Net operating income to assets | 0.4157% | 4,677 |
| Return on assets (ROA) | 0.4157% | 4,855 |
| Pretax return on assets | 0.6791% | 4,306 |
| Return on Equity (ROE) | 4.0749% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.0749% | 3,604 |
| Net charge-offs to loans | 0.4471% | 3,518 |
| Credit loss provision to net charge-offs | 116.5957% | 3,572 |
| Earnings coverage of net charge-offs (x) | 2.8553% | 3,706 |
| Efficiency ratio | 77.9313% | 2,633 |
| Assets per employee ($millions) | 2.5448% | 7,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 6,556 |
| Loan loss allowance to noncurrent loans | 21.2846% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 5.2444% | 1,197 |
| Noncurrent loans to loans | 4.4799% | 1,613 |
| Net loans and leases to total assets | 91.1378% | 39 |
| Net loans and leases to deposits | 106.1105% | 360 |
| Net loans and leases to core deposits | 118.1913% | 679 |
| Total domestic deposits to total assets | 85.8895% | 3,136 |
| Equity capital to assets | 10.4057% | 3,633 |
| Core capital (leverage) ratio | 10.4069% | 2,794 |
| Tier 1 risk-based capital ratio | 13.3455% | 4,315 |
| Total risk-based capital ratio | 14.2146% | 4,586 |
| Memoranda: | ||
| Average total assets | $155,890,000 | 3,830 |
| Average earning assets | $141,628,750 | 3,843 |
| Average equity | $15,901,750 | 3,829 |
| Average total loans | $140,151,750 | 2,979 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 2,821 |
| Cost of funding earning assets | 0.9208% | 6,495 |
| Net interest margin | 4.5146% | 1,174 |
| Noninterest income to average assets | 0.9942% | 1,392 |
| Noninterest expense to average assets | 4.0395% | 1,000 |
| Loan and lease loss provision to assets | 0.4971% | 2,811 |
| Net operating income to assets | 0.3305% | 5,058 |
| Return on assets (ROA) | 0.3305% | 5,219 |
| Pretax return on assets | 0.5406% | 4,774 |
| Return on Equity (ROE) | 3.2621% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.2621% | 4,025 |
| Net charge-offs to loans | 0.5587% | 2,859 |
| Credit loss provision to net charge-offs | 99.7429% | 4,122 |
| Earnings coverage of net charge-offs (x) | 2.0823% | 3,989 |
| Efficiency ratio | 79.5609% | 2,499 |
| Assets per employee ($millions) | 2.6148% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 6,708 |
| Loan loss allowance to noncurrent loans | 26.9635% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 4.3222% | 1,544 |
| Noncurrent loans to loans | 3.3913% | 2,353 |
| Net loans and leases to total assets | 88.6848% | 100 |
| Net loans and leases to deposits | 101.3705% | 631 |
| Net loans and leases to core deposits | 113.2137% | 967 |
| Total domestic deposits to total assets | 87.4858% | 2,259 |
| Equity capital to assets | 10.1469% | 3,836 |
| Core capital (leverage) ratio | 10.1480% | 3,000 |
| Tier 1 risk-based capital ratio | 13.2395% | 4,258 |
| Total risk-based capital ratio | 14.0494% | 4,572 |
| Memoranda: | ||
| Average total assets | $156,109,330 | 3,857 |
| Average earning assets | $141,186,330 | 3,881 |
| Average equity | $15,818,000 | 3,829 |
| Average total loans | $139,256,670 | 3,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5162% | 2,510 |
| Cost of funding earning assets | 0.9564% | 6,550 |
| Net interest margin | 4.5598% | 1,030 |
| Noninterest income to average assets | 1.0378% | 1,184 |
| Noninterest expense to average assets | 4.0457% | 967 |
| Loan and lease loss provision to assets | 0.1284% | 5,286 |
| Net operating income to assets | 0.6011% | 3,893 |
| Return on assets (ROA) | 0.6011% | 4,037 |
| Pretax return on assets | 0.9787% | 3,169 |
| Return on Equity (ROE) | 5.9363% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.9363% | 2,650 |
| Net charge-offs to loans | 0.2106% | 3,656 |
| Credit loss provision to net charge-offs | 68.4932% | 4,138 |
| Earnings coverage of net charge-offs (x) | 5.9041% | 2,315 |
| Efficiency ratio | 78.5145% | 2,812 |
| Assets per employee ($millions) | 2.5029% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,800 |
| Loan loss allowance to noncurrent loans | 26.3686% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 4.2403% | 1,609 |
| Noncurrent loans to loans | 3.4664% | 2,302 |
| Net loans and leases to total assets | 88.1613% | 118 |
| Net loans and leases to deposits | 101.6019% | 660 |
| Net loans and leases to core deposits | 113.7263% | 1,051 |
| Total domestic deposits to total assets | 86.7713% | 2,754 |
| Equity capital to assets | 10.2392% | 3,549 |
| Core capital (leverage) ratio | 10.2404% | 2,886 |
| Tier 1 risk-based capital ratio | 13.4551% | 4,020 |
| Total risk-based capital ratio | 14.4728% | 4,144 |
| Memoranda: | ||
| Average total assets | $155,721,000 | 3,913 |
| Average earning assets | $140,531,000 | 3,953 |
| Average equity | $15,767,500 | 3,874 |
| Average total loans | $138,676,000 | 3,097 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 3,003 |
| Cost of funding earning assets | 1.4038% | 5,921 |
| Net interest margin | 4.3170% | 1,666 |
| Noninterest income to average assets | 1.1087% | 1,251 |
| Noninterest expense to average assets | 4.3301% | 954 |
| Loan and lease loss provision to assets | 0.4286% | 4,258 |
| Net operating income to assets | 0.1923% | 4,920 |
| Return on assets (ROA) | 0.4181% | 4,157 |
| Pretax return on assets | 0.6827% | 3,634 |
| Return on Equity (ROE) | 4.1819% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1819% | 2,294 |
| Net charge-offs to loans | 0.5146% | 3,719 |
| Credit loss provision to net charge-offs | 91.3649% | 5,962 |
| Earnings coverage of net charge-offs (x) | 1.6170% | 4,529 |
| Efficiency ratio | 85.0944% | 2,212 |
| Assets per employee ($millions) | 2.6044% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 6,726 |
| Loan loss allowance to noncurrent loans | 25.8968% | 6,740 |
| Noncurrent assets plus other real estate owned to assets | 4.0937% | 1,612 |
| Noncurrent loans to loans | 3.5625% | 2,130 |
| Net loans and leases to total assets | 88.3108% | 161 |
| Net loans and leases to deposits | 101.5169% | 787 |
| Net loans and leases to core deposits | 135.4994% | 977 |
| Total domestic deposits to total assets | 86.9912% | 2,513 |
| Equity capital to assets | 10.0125% | 3,747 |
| Core capital (leverage) ratio | 10.0148% | 3,074 |
| Tier 1 risk-based capital ratio | 13.1245% | 4,064 |
| Total risk-based capital ratio | 14.1518% | 4,161 |
| Memoranda: | ||
| Average total assets | $153,067,000 | 3,911 |
| Average earning assets | $141,115,800 | 3,875 |
| Average equity | $15,304,000 | 4,013 |
| Average total loans | $139,521,400 | 3,097 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 3,336 |
| Cost of funding earning assets | 1.5179% | 5,753 |
| Net interest margin | 4.1824% | 2,120 |
| Noninterest income to average assets | 1.2014% | 1,066 |
| Noninterest expense to average assets | 4.5095% | 738 |
| Loan and lease loss provision to assets | 0.3756% | 4,075 |
| Net operating income to assets | 0.1065% | 5,446 |
| Return on assets (ROA) | 0.3800% | 4,585 |
| Pretax return on assets | 0.6208% | 4,125 |
| Return on Equity (ROE) | 3.8023% | 4,455 |
| Retained earnings to average equity (ytd only) | 3.8023% | 3,162 |
| Net charge-offs to loans | 0.5855% | 2,924 |
| Credit loss provision to net charge-offs | 69.9837% | 5,984 |
| Earnings coverage of net charge-offs (x) | 1.0604% | 4,997 |
| Efficiency ratio | 88.7931% | 1,795 |
| Assets per employee ($millions) | 2.4910% | 7,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 7,038 |
| Loan loss allowance to noncurrent loans | 16.7386% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 5.1010% | 1,144 |
| Noncurrent loans to loans | 4.9370% | 1,357 |
| Net loans and leases to total assets | 90.3723% | 103 |
| Net loans and leases to deposits | 102.4893% | 889 |
| Net loans and leases to core deposits | 135.7351% | 1,115 |
| Total domestic deposits to total assets | 88.1773% | 1,579 |
| Equity capital to assets | 9.9948% | 4,089 |
| Core capital (leverage) ratio | 9.9954% | 3,290 |
| Tier 1 risk-based capital ratio | 13.0384% | 4,166 |
| Total risk-based capital ratio | 13.9701% | 4,327 |
| Memoranda: | ||
| Average total assets | $152,267,750 | 3,943 |
| Average earning assets | $141,159,000 | 3,905 |
| Average equity | $15,218,500 | 4,059 |
| Average total loans | $139,581,000 | 3,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7893% | 3,099 |
| Cost of funding earning assets | 1.6287% | 5,619 |
| Net interest margin | 4.1606% | 2,122 |
| Noninterest income to average assets | 1.2366% | 1,008 |
| Noninterest expense to average assets | 4.5888% | 706 |
| Loan and lease loss provision to assets | 0.4197% | 3,439 |
| Net operating income to assets | 0.0399% | 5,732 |
| Return on assets (ROA) | 0.3643% | 4,742 |
| Pretax return on assets | 0.5952% | 4,336 |
| Return on Equity (ROE) | 3.6445% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.6445% | 3,273 |
| Net charge-offs to loans | 0.1020% | 5,142 |
| Credit loss provision to net charge-offs | 447.8873% | 1,039 |
| Earnings coverage of net charge-offs (x) | 5.4225% | 2,835 |
| Efficiency ratio | 90.0311% | 1,809 |
| Assets per employee ($millions) | 2.5858% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 5,191 |
| Loan loss allowance to noncurrent loans | 36.2273% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 3.5061% | 1,775 |
| Noncurrent loans to loans | 3.2018% | 2,226 |
| Net loans and leases to total assets | 89.0327% | 182 |
| Net loans and leases to deposits | 100.2791% | 1,263 |
| Net loans and leases to core deposits | 129.9821% | 1,562 |
| Total domestic deposits to total assets | 88.7849% | 1,383 |
| Equity capital to assets | 10.0104% | 3,926 |
| Core capital (leverage) ratio | 10.0109% | 3,287 |
| Tier 1 risk-based capital ratio | 13.4520% | 3,842 |
| Total risk-based capital ratio | 14.7036% | 3,785 |
| Memoranda: | ||
| Average total assets | $151,543,670 | 3,970 |
| Average earning assets | $140,605,000 | 3,936 |
| Average equity | $15,146,000 | 4,092 |
| Average total loans | $139,196,670 | 3,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8228% | 3,184 |
| Cost of funding earning assets | 1.6895% | 5,640 |
| Net interest margin | 4.1333% | 2,150 |
| Noninterest income to average assets | 1.1229% | 1,175 |
| Noninterest expense to average assets | 4.2666% | 882 |
| Loan and lease loss provision to assets | 0.4237% | 2,807 |
| Net operating income to assets | 0.1733% | 5,743 |
| Return on assets (ROA) | 0.5191% | 4,530 |
| Pretax return on assets | 0.8475% | 3,901 |
| Return on Equity (ROE) | 5.1979% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.1979% | 3,015 |
| Net charge-offs to loans | 0.1028% | 4,148 |
| Credit loss provision to net charge-offs | 444.4444% | 1,189 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,318 |
| Efficiency ratio | 85.3736% | 2,143 |
| Assets per employee ($millions) | 2.5284% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,846 |
| Loan loss allowance to noncurrent loans | 27.8990% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 3.5280% | 1,521 |
| Noncurrent loans to loans | 3.7412% | 1,659 |
| Net loans and leases to total assets | 91.8702% | 66 |
| Net loans and leases to deposits | 105.8834% | 873 |
| Net loans and leases to core deposits | 136.8137% | 1,258 |
| Total domestic deposits to total assets | 86.7654% | 2,331 |
| Equity capital to assets | 10.0085% | 3,998 |
| Core capital (leverage) ratio | 10.0115% | 3,397 |
| Tier 1 risk-based capital ratio | 13.1590% | 4,080 |
| Total risk-based capital ratio | 14.4092% | 3,998 |
| Memoranda: | ||
| Average total assets | $151,034,500 | 3,993 |
| Average earning assets | $141,582,500 | 3,923 |
| Average equity | $15,083,000 | 4,123 |
| Average total loans | $140,083,000 | 3,164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 4,154 |
| Cost of funding earning assets | 1.9445% | 6,597 |
| Net interest margin | 4.3214% | 1,914 |
| Noninterest income to average assets | 1.4213% | 710 |
| Noninterest expense to average assets | 4.4524% | 906 |
| Loan and lease loss provision to assets | 0.4117% | 3,227 |
| Net operating income to assets | 0.3872% | 5,206 |
| Return on assets (ROA) | 0.4487% | 4,780 |
| Pretax return on assets | 0.7174% | 4,343 |
| Return on Equity (ROE) | 4.2951% | 4,683 |
| Retained earnings to average equity (ytd only) | 4.2951% | 2,441 |
| Net charge-offs to loans | 0.0147% | 6,687 |
| Credit loss provision to net charge-offs | 3,047.3684% | 159 |
| Earnings coverage of net charge-offs (x) | 76.4737% | 534 |
| Efficiency ratio | 81.1666% | 2,416 |
| Assets per employee ($millions) | 2.5926% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,284 |
| Loan loss allowance to noncurrent loans | 27.0808% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 3.3079% | 1,366 |
| Noncurrent loans to loans | 3.5700% | 1,418 |
| Net loans and leases to total assets | 91.7622% | 91 |
| Net loans and leases to deposits | 106.8146% | 1,059 |
| Net loans and leases to core deposits | 138.4865% | 1,344 |
| Total domestic deposits to total assets | 85.9079% | 2,444 |
| Equity capital to assets | 9.9642% | 4,080 |
| Core capital (leverage) ratio | 9.9672% | 3,476 |
| Tier 1 risk-based capital ratio | 13.2082% | 3,987 |
| Total risk-based capital ratio | 14.3952% | 3,943 |
| Memoranda: | ||
| Average total assets | $140,643,800 | 4,074 |
| Average earning assets | $132,272,400 | 4,001 |
| Average equity | $14,691,000 | 4,195 |
| Average total loans | $129,321,200 | 3,282 |