Home > Indus American Bank > Performance and Condition Ratios
Indus American 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 | 4.8761% | 914 |
| Cost of funding earning assets | 1.1367% | 187 |
| Net interest margin | 3.7394% | 2,648 |
| Noninterest income to average assets | 0.2622% | 4,427 |
| Noninterest expense to average assets | 3.2972% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5824% | 4,475 |
| Return on assets (ROA) | 0.5824% | 4,483 |
| Pretax return on assets | 0.5824% | 4,728 |
| Return on Equity (ROE) | 6.7795% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.7795% | 2,374 |
| Net charge-offs to loans | -0.0412% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9887% | 717 |
| Assets per employee ($millions) | 5.1984% | 2,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1361% | 3,166 |
| Loan loss allowance to noncurrent loans | 14.3449% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 6.9677% | 49 |
| Noncurrent loans to loans | 7.9197% | 50 |
| Net loans and leases to total assets | 84.8691% | 351 |
| Net loans and leases to deposits | 105.3933% | 409 |
| Net loans and leases to core deposits | 119.9734% | 589 |
| Total domestic deposits to total assets | 80.5261% | 4,315 |
| Equity capital to assets | 8.7885% | 4,750 |
| Core capital (leverage) ratio | 8.6507% | 5,019 |
| Tier 1 risk-based capital ratio | 10.6197% | 5,312 |
| Total risk-based capital ratio | 11.7943% | 5,244 |
| Memoranda: | ||
| Average total assets | $227,342,500 | 2,682 |
| Average earning assets | $219,930,000 | 2,614 |
| Average equity | $19,529,500 | 3,196 |
| Average total loans | $194,001,000 | 2,245 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0500% | 588 |
| Cost of funding earning assets | 1.1547% | 93 |
| Net interest margin | 3.8953% | 2,101 |
| Noninterest income to average assets | 0.3553% | 3,924 |
| Noninterest expense to average assets | 4.0284% | 516 |
| Loan and lease loss provision to assets | 0.0851% | 2,502 |
| Net operating income to assets | 0.0031% | 5,355 |
| Return on assets (ROA) | 0.0428% | 5,322 |
| Pretax return on assets | 0.0475% | 5,409 |
| Return on Equity (ROE) | 0.5210% | 5,307 |
| Retained earnings to average equity (ytd only) | 0.5210% | 4,826 |
| Net charge-offs to loans | -0.0123% | 4,844 |
| Credit loss provision to net charge-offs | -829.1667% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8502% | 210 |
| Assets per employee ($millions) | 5.5037% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,348 |
| Loan loss allowance to noncurrent loans | 17.6442% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 5.4595% | 79 |
| Noncurrent loans to loans | 6.2423% | 83 |
| Net loans and leases to total assets | 83.9065% | 457 |
| Net loans and leases to deposits | 101.9405% | 608 |
| Net loans and leases to core deposits | 115.2006% | 749 |
| Total domestic deposits to total assets | 82.3093% | 3,783 |
| Equity capital to assets | 8.3987% | 5,190 |
| Core capital (leverage) ratio | 8.4233% | 5,203 |
| Tier 1 risk-based capital ratio | 10.0677% | 5,517 |
| Total risk-based capital ratio | 11.1896% | 5,499 |
| Memoranda: | ||
| Average total assets | $233,889,400 | 2,612 |
| Average earning assets | $225,863,600 | 2,540 |
| Average equity | $19,194,000 | 3,224 |
| Average total loans | $194,816,200 | 2,199 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0645% | 539 |
| Cost of funding earning assets | 1.1644% | 79 |
| Net interest margin | 3.9001% | 2,044 |
| Noninterest income to average assets | 0.3763% | 3,838 |
| Noninterest expense to average assets | 4.0686% | 480 |
| Loan and lease loss provision to assets | 0.1131% | 1,903 |
| Net operating income to assets | -0.0415% | 5,529 |
| Return on assets (ROA) | 0.0227% | 5,506 |
| Pretax return on assets | 0.0227% | 5,503 |
| Return on Equity (ROE) | 0.2786% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.2786% | 5,153 |
| Net charge-offs to loans | 0.0021% | 3,696 |
| Credit loss provision to net charge-offs | 6,633.3333% | 69 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,251 |
| Efficiency ratio | 98.2702% | 198 |
| Assets per employee ($millions) | 5.2361% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,612 |
| Loan loss allowance to noncurrent loans | 30.4584% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.2037% | 271 |
| Noncurrent loans to loans | 3.5407% | 308 |
| Net loans and leases to total assets | 84.9228% | 347 |
| Net loans and leases to deposits | 104.0127% | 495 |
| Net loans and leases to core deposits | 116.2657% | 739 |
| Total domestic deposits to total assets | 81.6466% | 3,884 |
| Equity capital to assets | 8.4067% | 5,339 |
| Core capital (leverage) ratio | 8.1856% | 5,429 |
| Tier 1 risk-based capital ratio | 10.0805% | 5,582 |
| Total risk-based capital ratio | 11.1943% | 5,576 |
| Memoranda: | ||
| Average total assets | $234,573,000 | 2,630 |
| Average earning assets | $226,381,750 | 2,554 |
| Average equity | $19,139,000 | 3,256 |
| Average total loans | $194,491,750 | 2,216 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 591 |
| Cost of funding earning assets | 1.1387% | 80 |
| Net interest margin | 3.8344% | 2,157 |
| Noninterest income to average assets | 0.4068% | 3,649 |
| Noninterest expense to average assets | 4.3141% | 366 |
| Loan and lease loss provision to assets | 0.1560% | 1,283 |
| Net operating income to assets | -0.3645% | 5,662 |
| Return on assets (ROA) | -0.3645% | 5,661 |
| Pretax return on assets | -0.3645% | 5,645 |
| Return on Equity (ROE) | -4.5114% | 5,680 |
| Retained earnings to average equity (ytd only) | -4.5114% | 5,517 |
| Net charge-offs to loans | -0.0259% | 4,885 |
| Credit loss provision to net charge-offs | -736.0000% | 4,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0784% | 138 |
| Assets per employee ($millions) | 4.6927% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,752 |
| Loan loss allowance to noncurrent loans | 22.5018% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 4.2473% | 157 |
| Noncurrent loans to loans | 4.7422% | 169 |
| Net loans and leases to total assets | 83.1337% | 534 |
| Net loans and leases to deposits | 104.8929% | 448 |
| Net loans and leases to core deposits | 116.0249% | 709 |
| Total domestic deposits to total assets | 79.2558% | 4,572 |
| Equity capital to assets | 7.9025% | 5,575 |
| Core capital (leverage) ratio | 7.9846% | 5,536 |
| Tier 1 risk-based capital ratio | 9.2250% | 5,730 |
| Total risk-based capital ratio | 10.2748% | 5,736 |
| Memoranda: | ||
| Average total assets | $235,968,000 | 2,631 |
| Average earning assets | $227,621,670 | 2,553 |
| Average equity | $19,062,670 | 3,268 |
| Average total loans | $193,394,000 | 2,227 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 578 |
| Cost of funding earning assets | 1.1327% | 77 |
| Net interest margin | 3.8071% | 2,089 |
| Noninterest income to average assets | 0.6249% | 2,295 |
| Noninterest expense to average assets | 4.6422% | 296 |
| Loan and lease loss provision to assets | 0.1776% | 986 |
| Net operating income to assets | -0.5224% | 5,743 |
| Return on assets (ROA) | -0.5224% | 5,740 |
| Pretax return on assets | -0.5224% | 5,732 |
| Return on Equity (ROE) | -6.3958% | 5,749 |
| Retained earnings to average equity (ytd only) | -6.3958% | 5,458 |
| Net charge-offs to loans | -0.0802% | 5,373 |
| Credit loss provision to net charge-offs | -273.6842% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0254% | 146 |
| Assets per employee ($millions) | 4.2770% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,897 |
| Loan loss allowance to noncurrent loans | 23.2524% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 4.0679% | 183 |
| Noncurrent loans to loans | 4.5896% | 189 |
| Net loans and leases to total assets | 81.9312% | 575 |
| Net loans and leases to deposits | 98.5161% | 726 |
| Net loans and leases to core deposits | 107.7029% | 990 |
| Total domestic deposits to total assets | 83.1653% | 3,778 |
| Equity capital to assets | 8.0703% | 5,491 |
| Core capital (leverage) ratio | 8.1527% | 5,477 |
| Tier 1 risk-based capital ratio | 9.6801% | 5,757 |
| Total risk-based capital ratio | 10.7403% | 5,763 |
| Memoranda: | ||
| Average total assets | $234,287,500 | 2,667 |
| Average earning assets | $226,000,500 | 2,593 |
| Average equity | $19,137,500 | 3,275 |
| Average total loans | $189,536,500 | 2,279 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,220 |
| Cost of funding earning assets | 1.1045% | 99 |
| Net interest margin | 3.5212% | 3,350 |
| Noninterest income to average assets | 0.6030% | 2,649 |
| Noninterest expense to average assets | 4.0303% | 574 |
| Loan and lease loss provision to assets | 0.1668% | 1,474 |
| Net operating income to assets | -0.2202% | 5,722 |
| Return on assets (ROA) | -0.1618% | 5,714 |
| Pretax return on assets | -0.1618% | 5,708 |
| Return on Equity (ROE) | -1.9626% | 5,732 |
| Retained earnings to average equity (ytd only) | -1.9626% | 5,530 |
| Net charge-offs to loans | 0.3763% | 719 |
| Credit loss provision to net charge-offs | 60.6980% | 3,234 |
| Earnings coverage of net charge-offs (x) | -0.1942% | 4,144 |
| Efficiency ratio | 101.3421% | 207 |
| Assets per employee ($millions) | 4.0937% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 4,008 |
| Loan loss allowance to noncurrent loans | 24.3063% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 3.5399% | 246 |
| Noncurrent loans to loans | 4.3226% | 222 |
| Net loans and leases to total assets | 78.1380% | 1,184 |
| Net loans and leases to deposits | 94.3195% | 1,167 |
| Net loans and leases to core deposits | 105.7489% | 1,146 |
| Total domestic deposits to total assets | 82.8440% | 3,820 |
| Equity capital to assets | 8.2673% | 5,439 |
| Core capital (leverage) ratio | 8.2848% | 5,447 |
| Tier 1 risk-based capital ratio | 10.1564% | 5,695 |
| Total risk-based capital ratio | 11.1765% | 5,723 |
| Memoranda: | ||
| Average total assets | $239,806,600 | 2,579 |
| Average earning assets | $229,780,800 | 2,516 |
| Average equity | $19,770,000 | 3,194 |
| Average total loans | $175,108,400 | 2,357 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5871% | 1,315 |
| Cost of funding earning assets | 1.1143% | 84 |
| Net interest margin | 3.4728% | 3,575 |
| Noninterest income to average assets | 0.6693% | 2,316 |
| Noninterest expense to average assets | 4.0338% | 561 |
| Loan and lease loss provision to assets | 0.1381% | 1,703 |
| Net operating income to assets | -0.1822% | 5,788 |
| Return on assets (ROA) | -0.1237% | 5,783 |
| Pretax return on assets | -0.1237% | 5,779 |
| Return on Equity (ROE) | -1.5016% | 5,801 |
| Retained earnings to average equity (ytd only) | -1.5016% | 5,553 |
| Net charge-offs to loans | -0.0116% | 4,821 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1074% | 208 |
| Assets per employee ($millions) | 4.1237% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 2,050 |
| Loan loss allowance to noncurrent loans | 33.8284% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.8234% | 231 |
| Noncurrent loans to loans | 4.2352% | 248 |
| Net loans and leases to total assets | 72.0025% | 2,194 |
| Net loans and leases to deposits | 86.9336% | 2,149 |
| Net loans and leases to core deposits | 99.0797% | 1,720 |
| Total domestic deposits to total assets | 82.8247% | 3,657 |
| Equity capital to assets | 8.3364% | 5,613 |
| Core capital (leverage) ratio | 8.0435% | 5,663 |
| Tier 1 risk-based capital ratio | 10.3223% | 5,692 |
| Total risk-based capital ratio | 11.5734% | 5,618 |
| Memoranda: | ||
| Average total assets | $241,423,000 | 2,576 |
| Average earning assets | $230,814,500 | 2,518 |
| Average equity | $19,889,750 | 3,204 |
| Average total loans | $172,819,500 | 2,389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5777% | 1,313 |
| Cost of funding earning assets | 1.0868% | 97 |
| Net interest margin | 3.4909% | 3,517 |
| Noninterest income to average assets | 0.6706% | 2,275 |
| Noninterest expense to average assets | 3.7718% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2377% | 5,451 |
| Return on assets (ROA) | 0.3246% | 5,335 |
| Pretax return on assets | 0.3246% | 5,461 |
| Return on Equity (ROE) | 3.8910% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.8910% | 3,427 |
| Net charge-offs to loans | -0.0139% | 4,803 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0707% | 413 |
| Assets per employee ($millions) | 4.3887% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,776 |
| Loan loss allowance to noncurrent loans | 36.0961% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 3.2964% | 346 |
| Noncurrent loans to loans | 3.6047% | 361 |
| Net loans and leases to total assets | 69.3878% | 2,572 |
| Net loans and leases to deposits | 83.7638% | 2,493 |
| Net loans and leases to core deposits | 94.1801% | 2,149 |
| Total domestic deposits to total assets | 82.8375% | 3,712 |
| Equity capital to assets | 8.5168% | 5,586 |
| Core capital (leverage) ratio | 8.4285% | 5,422 |
| Tier 1 risk-based capital ratio | 10.9441% | 5,444 |
| Total risk-based capital ratio | 12.1347% | 5,408 |
| Memoranda: | ||
| Average total assets | $243,968,330 | 2,577 |
| Average earning assets | $233,346,330 | 2,511 |
| Average equity | $20,354,670 | 3,158 |
| Average total loans | $173,191,330 | 2,384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6790% | 1,095 |
| Cost of funding earning assets | 1.0559% | 118 |
| Net interest margin | 3.6231% | 2,990 |
| Noninterest income to average assets | 0.4518% | 3,470 |
| Noninterest expense to average assets | 3.6859% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2300% | 5,478 |
| Return on assets (ROA) | 0.4028% | 5,066 |
| Pretax return on assets | 0.4028% | 5,305 |
| Return on Equity (ROE) | 4.8783% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.8783% | 3,012 |
| Net charge-offs to loans | -0.0091% | 4,486 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1274% | 444 |
| Assets per employee ($millions) | 4.4366% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 3,065 |
| Loan loss allowance to noncurrent loans | 31.7965% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 3.5896% | 303 |
| Noncurrent loans to loans | 3.9875% | 305 |
| Net loans and leases to total assets | 70.2080% | 2,308 |
| Net loans and leases to deposits | 84.5541% | 2,243 |
| Net loans and leases to core deposits | 94.2674% | 1,965 |
| Total domestic deposits to total assets | 83.0332% | 3,881 |
| Equity capital to assets | 8.3525% | 5,660 |
| Core capital (leverage) ratio | 8.3241% | 5,547 |
| Tier 1 risk-based capital ratio | 10.7569% | 5,638 |
| Total risk-based capital ratio | 11.9314% | 5,585 |
| Memoranda: | ||
| Average total assets | $245,262,000 | 2,578 |
| Average earning assets | $234,494,500 | 2,511 |
| Average equity | $20,253,000 | 3,172 |
| Average total loans | $174,938,500 | 2,360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 1,082 |
| Cost of funding earning assets | 1.0978% | 104 |
| Net interest margin | 3.6131% | 3,084 |
| Noninterest income to average assets | 0.7791% | 1,866 |
| Noninterest expense to average assets | 4.2677% | 510 |
| Loan and lease loss provision to assets | 0.5076% | 224 |
| Net operating income to assets | -0.5376% | 6,052 |
| Return on assets (ROA) | -0.5376% | 6,055 |
| Pretax return on assets | -0.5376% | 6,048 |
| Return on Equity (ROE) | -6.4050% | 6,067 |
| Retained earnings to average equity (ytd only) | -6.4050% | 5,966 |
| Net charge-offs to loans | 1.0974% | 175 |
| Credit loss provision to net charge-offs | 66.1316% | 3,180 |
| Earnings coverage of net charge-offs (x) | -0.0391% | 4,271 |
| Efficiency ratio | 100.7074% | 266 |
| Assets per employee ($millions) | 4.9328% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 3,032 |
| Loan loss allowance to noncurrent loans | 32.4352% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 3.3575% | 362 |
| Noncurrent loans to loans | 3.9331% | 314 |
| Net loans and leases to total assets | 70.6291% | 2,274 |
| Net loans and leases to deposits | 84.4881% | 2,309 |
| Net loans and leases to core deposits | 87.6973% | 2,628 |
| Total domestic deposits to total assets | 83.5965% | 3,637 |
| Equity capital to assets | 7.9828% | 5,857 |
| Core capital (leverage) ratio | 7.8258% | 5,900 |
| Tier 1 risk-based capital ratio | 10.1292% | 5,920 |
| Total risk-based capital ratio | 11.2919% | 5,881 |
| Memoranda: | ||
| Average total assets | $243,501,200 | 2,549 |
| Average earning assets | $233,097,800 | 2,480 |
| Average equity | $20,437,000 | 3,129 |
| Average total loans | $170,305,800 | 2,353 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 964 |
| Cost of funding earning assets | 1.0901% | 110 |
| Net interest margin | 3.6913% | 2,805 |
| Noninterest income to average assets | 0.8432% | 1,640 |
| Noninterest expense to average assets | 3.8464% | 791 |
| Loan and lease loss provision to assets | 0.3568% | 373 |
| Net operating income to assets | 0.3365% | 5,354 |
| Return on assets (ROA) | 0.3365% | 5,434 |
| Pretax return on assets | 0.1718% | 5,823 |
| Return on Equity (ROE) | 3.9299% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,667 |
| Net charge-offs to loans | 1.1327% | 152 |
| Credit loss provision to net charge-offs | 45.3278% | 3,096 |
| Earnings coverage of net charge-offs (x) | 0.6715% | 3,920 |
| Efficiency ratio | 87.9172% | 844 |
| Assets per employee ($millions) | 4.7415% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 3,616 |
| Loan loss allowance to noncurrent loans | 34.5685% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 2.4162% | 734 |
| Noncurrent loans to loans | 3.4889% | 447 |
| Net loans and leases to total assets | 68.4193% | 2,619 |
| Net loans and leases to deposits | 82.2927% | 2,612 |
| Net loans and leases to core deposits | 85.2627% | 2,926 |
| Total domestic deposits to total assets | 83.1414% | 3,756 |
| Equity capital to assets | 8.5996% | 5,645 |
| Core capital (leverage) ratio | 8.7218% | 5,325 |
| Tier 1 risk-based capital ratio | 11.5800% | 5,335 |
| Total risk-based capital ratio | 12.6978% | 5,322 |
| Memoranda: | ||
| Average total assets | $242,889,250 | 2,573 |
| Average earning assets | $232,395,000 | 2,503 |
| Average equity | $20,797,250 | 3,121 |
| Average total loans | $168,790,250 | 2,381 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7424% | 994 |
| Cost of funding earning assets | 1.0796% | 112 |
| Net interest margin | 3.6629% | 2,864 |
| Noninterest income to average assets | 0.6031% | 2,719 |
| Noninterest expense to average assets | 3.9194% | 746 |
| Loan and lease loss provision to assets | -0.0417% | 6,014 |
| Net operating income to assets | 0.4165% | 5,091 |
| Return on assets (ROA) | 0.4174% | 5,189 |
| Pretax return on assets | 0.2507% | 5,738 |
| Return on Equity (ROE) | 4.8816% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.8816% | 2,938 |
| Net charge-offs to loans | 0.6861% | 330 |
| Credit loss provision to net charge-offs | -8.7260% | 4,688 |
| Earnings coverage of net charge-offs (x) | 0.4363% | 3,660 |
| Efficiency ratio | 94.9546% | 481 |
| Assets per employee ($millions) | 4.6239% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,327 |
| Loan loss allowance to noncurrent loans | 48.0647% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 1.9187% | 1,173 |
| Noncurrent loans to loans | 2.6735% | 813 |
| Net loans and leases to total assets | 70.8443% | 2,188 |
| Net loans and leases to deposits | 87.2153% | 1,918 |
| Net loans and leases to core deposits | 90.5656% | 2,289 |
| Total domestic deposits to total assets | 81.2292% | 4,535 |
| Equity capital to assets | 8.5352% | 5,658 |
| Core capital (leverage) ratio | 8.6021% | 5,439 |
| Tier 1 risk-based capital ratio | 10.8136% | 5,795 |
| Total risk-based capital ratio | 11.9861% | 5,765 |
| Memoranda: | ||
| Average total assets | $240,085,000 | 2,610 |
| Average earning assets | $231,021,000 | 2,532 |
| Average equity | $20,526,000 | 3,159 |
| Average total loans | $167,041,000 | 2,402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5932% | 1,240 |
| Cost of funding earning assets | 1.0497% | 136 |
| Net interest margin | 3.5435% | 3,245 |
| Noninterest income to average assets | 0.5960% | 2,670 |
| Noninterest expense to average assets | 3.8233% | 853 |
| Loan and lease loss provision to assets | -0.0842% | 6,192 |
| Net operating income to assets | 0.3737% | 5,173 |
| Return on assets (ROA) | 0.3737% | 5,293 |
| Pretax return on assets | 0.2896% | 5,668 |
| Return on Equity (ROE) | 4.3678% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.3678% | 3,399 |
| Net charge-offs to loans | 0.1869% | 1,179 |
| Credit loss provision to net charge-offs | -65.7895% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.6053% | 2,892 |
| Efficiency ratio | 94.9018% | 549 |
| Assets per employee ($millions) | 4.5995% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 1,847 |
| Loan loss allowance to noncurrent loans | 53.8898% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.1491% | 1,071 |
| Noncurrent loans to loans | 3.0823% | 681 |
| Net loans and leases to total assets | 66.9563% | 2,613 |
| Net loans and leases to deposits | 80.8614% | 2,467 |
| Net loans and leases to core deposits | 83.8072% | 2,795 |
| Total domestic deposits to total assets | 82.8037% | 4,234 |
| Equity capital to assets | 8.4615% | 5,765 |
| Core capital (leverage) ratio | 8.5872% | 5,435 |
| Tier 1 risk-based capital ratio | 11.7662% | 5,399 |
| Total risk-based capital ratio | 13.0205% | 5,294 |
| Memoranda: | ||
| Average total assets | $237,594,000 | 2,657 |
| Average earning assets | $230,165,500 | 2,550 |
| Average equity | $20,330,500 | 3,197 |
| Average total loans | $162,623,500 | 2,463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,037 |
| Cost of funding earning assets | 1.0663% | 167 |
| Net interest margin | 3.7712% | 2,728 |
| Noninterest income to average assets | 0.4182% | 4,049 |
| Noninterest expense to average assets | 3.7592% | 1,054 |
| Loan and lease loss provision to assets | 0.1048% | 2,405 |
| Net operating income to assets | 0.3823% | 5,282 |
| Return on assets (ROA) | 0.3827% | 5,349 |
| Pretax return on assets | 0.2038% | 5,866 |
| Return on Equity (ROE) | 4.6554% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.6554% | 2,855 |
| Net charge-offs to loans | 0.4349% | 974 |
| Credit loss provision to net charge-offs | 35.2239% | 3,763 |
| Earnings coverage of net charge-offs (x) | 1.0358% | 4,507 |
| Efficiency ratio | 92.4244% | 681 |
| Assets per employee ($millions) | 4.3663% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 1,514 |
| Loan loss allowance to noncurrent loans | 49.1644% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 2.5340% | 906 |
| Noncurrent loans to loans | 3.6818% | 537 |
| Net loans and leases to total assets | 67.5780% | 2,632 |
| Net loans and leases to deposits | 82.4090% | 2,421 |
| Net loans and leases to core deposits | 85.1817% | 2,764 |
| Total domestic deposits to total assets | 82.0032% | 4,423 |
| Equity capital to assets | 8.6572% | 5,609 |
| Core capital (leverage) ratio | 8.4442% | 5,617 |
| Tier 1 risk-based capital ratio | 12.0446% | 5,334 |
| Total risk-based capital ratio | 13.3009% | 5,235 |
| Memoranda: | ||
| Average total assets | $225,233,800 | 2,733 |
| Average earning assets | $217,940,200 | 2,642 |
| Average equity | $18,516,200 | 3,344 |
| Average total loans | $154,042,000 | 2,513 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8714% | 990 |
| Cost of funding earning assets | 1.0703% | 172 |
| Net interest margin | 3.8011% | 2,619 |
| Noninterest income to average assets | 0.4554% | 3,855 |
| Noninterest expense to average assets | 3.7498% | 1,038 |
| Loan and lease loss provision to assets | 0.1407% | 1,777 |
| Net operating income to assets | 0.4202% | 5,175 |
| Return on assets (ROA) | 0.4208% | 5,253 |
| Pretax return on assets | 0.2402% | 5,884 |
| Return on Equity (ROE) | 5.1901% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.1901% | 2,963 |
| Net charge-offs to loans | 0.4592% | 853 |
| Credit loss provision to net charge-offs | 44.8669% | 3,202 |
| Earnings coverage of net charge-offs (x) | 1.2129% | 4,203 |
| Efficiency ratio | 90.7923% | 789 |
| Assets per employee ($millions) | 4.4298% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9257% | 1,397 |
| Loan loss allowance to noncurrent loans | 65.0269% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 1.9827% | 1,454 |
| Noncurrent loans to loans | 2.9614% | 903 |
| Net loans and leases to total assets | 65.6622% | 2,919 |
| Net loans and leases to deposits | 79.6537% | 2,748 |
| Net loans and leases to core deposits | 82.2736% | 3,075 |
| Total domestic deposits to total assets | 82.4345% | 4,325 |
| Equity capital to assets | 8.2899% | 5,951 |
| Core capital (leverage) ratio | 8.5417% | 5,608 |
| Tier 1 risk-based capital ratio | 12.4558% | 5,193 |
| Total risk-based capital ratio | 13.7137% | 5,124 |
| Memoranda: | ||
| Average total assets | $223,688,750 | 2,769 |
| Average earning assets | $216,248,250 | 2,665 |
| Average equity | $18,136,750 | 3,398 |
| Average total loans | $152,735,500 | 2,531 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 996 |
| Cost of funding earning assets | 1.0756% | 169 |
| Net interest margin | 3.7703% | 2,662 |
| Noninterest income to average assets | 0.4937% | 3,520 |
| Noninterest expense to average assets | 3.6883% | 1,158 |
| Loan and lease loss provision to assets | 0.1236% | 1,995 |
| Net operating income to assets | 0.5118% | 4,761 |
| Return on assets (ROA) | 0.5127% | 4,850 |
| Pretax return on assets | 0.3282% | 5,730 |
| Return on Equity (ROE) | 6.3748% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.3748% | 2,103 |
| Net charge-offs to loans | 0.5395% | 753 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.2157% | 3,870 |
| Efficiency ratio | 89.1061% | 984 |
| Assets per employee ($millions) | 4.4761% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 1,371 |
| Loan loss allowance to noncurrent loans | 70.3464% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 2.0922% | 1,499 |
| Noncurrent loans to loans | 2.8343% | 1,059 |
| Net loans and leases to total assets | 65.5885% | 2,820 |
| Net loans and leases to deposits | 79.7760% | 2,542 |
| Net loans and leases to core deposits | 81.9137% | 2,980 |
| Total domestic deposits to total assets | 82.2158% | 4,579 |
| Equity capital to assets | 8.0532% | 6,123 |
| Core capital (leverage) ratio | 8.5666% | 5,565 |
| Tier 1 risk-based capital ratio | 12.0228% | 5,529 |
| Total risk-based capital ratio | 13.2808% | 5,459 |
| Memoranda: | ||
| Average total assets | $219,992,000 | 2,811 |
| Average earning assets | $212,714,670 | 2,706 |
| Average equity | $17,694,670 | 3,453 |
| Average total loans | $151,251,330 | 2,561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 946 |
| Cost of funding earning assets | 1.0823% | 172 |
| Net interest margin | 3.7678% | 2,603 |
| Noninterest income to average assets | 0.5059% | 3,364 |
| Noninterest expense to average assets | 3.6396% | 1,233 |
| Loan and lease loss provision to assets | 0.1501% | 1,612 |
| Net operating income to assets | 0.5522% | 4,449 |
| Return on assets (ROA) | 0.5522% | 4,524 |
| Pretax return on assets | 0.3614% | 5,568 |
| Return on Equity (ROE) | 6.8703% | 3,548 |
| Retained earnings to average equity (ytd only) | 6.8703% | 2,105 |
| Net charge-offs to loans | 0.0797% | 2,357 |
| Credit loss provision to net charge-offs | 270.0000% | 855 |
| Earnings coverage of net charge-offs (x) | 9.2000% | 1,955 |
| Efficiency ratio | 87.6786% | 1,260 |
| Assets per employee ($millions) | 4.9761% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1891% | 1,178 |
| Loan loss allowance to noncurrent loans | 77.1769% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.1969% | 1,507 |
| Noncurrent loans to loans | 2.8365% | 1,163 |
| Net loans and leases to total assets | 68.7306% | 2,103 |
| Net loans and leases to deposits | 84.1648% | 1,804 |
| Net loans and leases to core deposits | 86.4111% | 2,275 |
| Total domestic deposits to total assets | 81.6619% | 5,038 |
| Equity capital to assets | 8.1028% | 5,973 |
| Core capital (leverage) ratio | 8.7149% | 5,365 |
| Tier 1 risk-based capital ratio | 11.9476% | 5,673 |
| Total risk-based capital ratio | 13.2084% | 5,603 |
| Memoranda: | ||
| Average total assets | $215,847,500 | 2,875 |
| Average earning assets | $208,821,000 | 2,762 |
| Average equity | $17,350,000 | 3,502 |
| Average total loans | $150,491,000 | 2,573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0885% | 778 |
| Cost of funding earning assets | 1.1320% | 239 |
| Net interest margin | 3.9565% | 2,085 |
| Noninterest income to average assets | 0.7354% | 2,356 |
| Noninterest expense to average assets | 3.7903% | 1,153 |
| Loan and lease loss provision to assets | 0.4614% | 619 |
| Net operating income to assets | 0.3154% | 5,470 |
| Return on assets (ROA) | 0.3064% | 5,600 |
| Pretax return on assets | 0.3079% | 5,713 |
| Return on Equity (ROE) | 3.5825% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.5825% | 3,671 |
| Net charge-offs to loans | 1.0354% | 548 |
| Credit loss provision to net charge-offs | 64.0527% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1.0805% | 4,718 |
| Efficiency ratio | 81.7267% | 1,915 |
| Assets per employee ($millions) | 4.8351% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2552% | 1,112 |
| Loan loss allowance to noncurrent loans | 85.8918% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 2.0254% | 1,772 |
| Noncurrent loans to loans | 2.6256% | 1,418 |
| Net loans and leases to total assets | 67.5975% | 2,422 |
| Net loans and leases to deposits | 85.0389% | 1,806 |
| Net loans and leases to core deposits | 87.1186% | 2,337 |
| Total domestic deposits to total assets | 79.4901% | 5,551 |
| Equity capital to assets | 7.9715% | 6,039 |
| Core capital (leverage) ratio | 8.7062% | 5,410 |
| Tier 1 risk-based capital ratio | 12.2916% | 5,434 |
| Total risk-based capital ratio | 13.5534% | 5,354 |
| Memoranda: | ||
| Average total assets | $200,036,000 | 3,032 |
| Average earning assets | $193,807,800 | 2,906 |
| Average equity | $17,111,000 | 3,547 |
| Average total loans | $139,174,600 | 2,718 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 744 |
| Cost of funding earning assets | 1.1459% | 246 |
| Net interest margin | 3.9749% | 2,022 |
| Noninterest income to average assets | 0.6942% | 2,642 |
| Noninterest expense to average assets | 3.6601% | 1,307 |
| Loan and lease loss provision to assets | 0.4992% | 549 |
| Net operating income to assets | 0.3859% | 5,296 |
| Return on assets (ROA) | 0.3739% | 5,494 |
| Pretax return on assets | 0.3759% | 5,692 |
| Return on Equity (ROE) | 4.2917% | 5,075 |
| Retained earnings to average equity (ytd only) | 4.2917% | 3,625 |
| Net charge-offs to loans | 1.5093% | 309 |
| Credit loss provision to net charge-offs | 47.4565% | 3,569 |
| Earnings coverage of net charge-offs (x) | 0.8435% | 4,572 |
| Efficiency ratio | 80.4885% | 2,030 |
| Assets per employee ($millions) | 4.9012% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 1,407 |
| Loan loss allowance to noncurrent loans | 94.6692% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 2,314 |
| Noncurrent loans to loans | 2.2738% | 1,928 |
| Net loans and leases to total assets | 65.1141% | 2,782 |
| Net loans and leases to deposits | 80.8643% | 2,280 |
| Net loans and leases to core deposits | 82.5921% | 2,823 |
| Total domestic deposits to total assets | 80.5227% | 5,355 |
| Equity capital to assets | 8.1773% | 6,025 |
| Core capital (leverage) ratio | 8.8959% | 5,267 |
| Tier 1 risk-based capital ratio | 12.8121% | 5,252 |
| Total risk-based capital ratio | 14.0725% | 5,182 |
| Memoranda: | ||
| Average total assets | $196,858,500 | 3,091 |
| Average earning assets | $190,827,250 | 2,961 |
| Average equity | $17,149,000 | 3,584 |
| Average total loans | $137,186,000 | 2,757 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 726 |
| Cost of funding earning assets | 1.1569% | 248 |
| Net interest margin | 3.9746% | 1,949 |
| Noninterest income to average assets | 0.6877% | 2,703 |
| Noninterest expense to average assets | 3.6655% | 1,305 |
| Loan and lease loss provision to assets | 0.3121% | 1,139 |
| Net operating income to assets | 0.5637% | 4,484 |
| Return on assets (ROA) | 0.5452% | 4,742 |
| Pretax return on assets | 0.5483% | 5,204 |
| Return on Equity (ROE) | 6.1213% | 4,096 |
| Retained earnings to average equity (ytd only) | 6.1213% | 2,360 |
| Net charge-offs to loans | 1.1736% | 497 |
| Credit loss provision to net charge-offs | 37.5469% | 3,460 |
| Earnings coverage of net charge-offs (x) | 1.0576% | 4,179 |
| Efficiency ratio | 80.6548% | 2,071 |
| Assets per employee ($millions) | 4.5989% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 989 |
| Loan loss allowance to noncurrent loans | 79.4713% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1653% | 1,995 |
| Noncurrent loans to loans | 3.1428% | 1,398 |
| Net loans and leases to total assets | 65.8761% | 2,618 |
| Net loans and leases to deposits | 82.9098% | 1,939 |
| Net loans and leases to core deposits | 84.5878% | 2,480 |
| Total domestic deposits to total assets | 79.4552% | 5,722 |
| Equity capital to assets | 8.2573% | 6,008 |
| Core capital (leverage) ratio | 8.9079% | 5,134 |
| Tier 1 risk-based capital ratio | 12.9402% | 5,187 |
| Total risk-based capital ratio | 14.2054% | 5,112 |
| Memoranda: | ||
| Average total assets | $192,227,000 | 3,163 |
| Average earning assets | $186,536,000 | 3,032 |
| Average equity | $17,120,670 | 3,607 |
| Average total loans | $136,165,000 | 2,772 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 868 |
| Cost of funding earning assets | 1.1626% | 271 |
| Net interest margin | 3.8491% | 2,283 |
| Noninterest income to average assets | 0.7917% | 2,154 |
| Noninterest expense to average assets | 3.6672% | 1,301 |
| Loan and lease loss provision to assets | 0.3167% | 1,072 |
| Net operating income to assets | 0.5341% | 4,522 |
| Return on assets (ROA) | 0.5341% | 4,668 |
| Pretax return on assets | 0.5405% | 5,146 |
| Return on Equity (ROE) | 5.7774% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.7774% | 2,796 |
| Net charge-offs to loans | 1.8306% | 267 |
| Credit loss provision to net charge-offs | 23.8474% | 2,980 |
| Earnings coverage of net charge-offs (x) | 0.6455% | 3,610 |
| Efficiency ratio | 81.0546% | 2,180 |
| Assets per employee ($millions) | 4.7676% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4653% | 1,158 |
| Loan loss allowance to noncurrent loans | 64.6074% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.7247% | 1,665 |
| Noncurrent loans to loans | 3.8158% | 1,207 |
| Net loans and leases to total assets | 69.6443% | 1,725 |
| Net loans and leases to deposits | 89.4797% | 1,007 |
| Net loans and leases to core deposits | 91.3960% | 1,570 |
| Total domestic deposits to total assets | 77.8324% | 6,132 |
| Equity capital to assets | 9.2333% | 5,220 |
| Core capital (leverage) ratio | 9.1561% | 4,628 |
| Tier 1 risk-based capital ratio | 12.7321% | 5,414 |
| Total risk-based capital ratio | 13.9958% | 5,354 |
| Memoranda: | ||
| Average total assets | $189,464,000 | 3,231 |
| Average earning assets | $183,730,500 | 3,101 |
| Average equity | $17,516,500 | 3,593 |
| Average total loans | $137,443,000 | 2,770 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3809% | 788 |
| Cost of funding earning assets | 1.3756% | 274 |
| Net interest margin | 4.0053% | 2,372 |
| Noninterest income to average assets | 0.8124% | 2,208 |
| Noninterest expense to average assets | 3.7467% | 1,332 |
| Loan and lease loss provision to assets | 0.8878% | 510 |
| Net operating income to assets | 0.0607% | 6,071 |
| Return on assets (ROA) | 0.0719% | 6,201 |
| Pretax return on assets | 0.0719% | 6,192 |
| Return on Equity (ROE) | 0.8582% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.8582% | 5,438 |
| Net charge-offs to loans | 1.8190% | 442 |
| Credit loss provision to net charge-offs | 64.8176% | 4,322 |
| Earnings coverage of net charge-offs (x) | 0.6925% | 5,139 |
| Efficiency ratio | 79.7980% | 2,172 |
| Assets per employee ($millions) | 4.5909% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 859 |
| Loan loss allowance to noncurrent loans | 60.0595% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 3.3933% | 1,352 |
| Noncurrent loans to loans | 4.6044% | 918 |
| Net loans and leases to total assets | 71.6585% | 1,539 |
| Net loans and leases to deposits | 92.8817% | 839 |
| Net loans and leases to core deposits | 95.4673% | 1,349 |
| Total domestic deposits to total assets | 77.1503% | 6,208 |
| Equity capital to assets | 9.2575% | 5,201 |
| Core capital (leverage) ratio | 8.9914% | 4,909 |
| Tier 1 risk-based capital ratio | 12.7822% | 5,267 |
| Total risk-based capital ratio | 14.0524% | 5,188 |
| Memoranda: | ||
| Average total assets | $196,092,000 | 3,095 |
| Average earning assets | $190,097,600 | 2,956 |
| Average equity | $16,430,000 | 3,719 |
| Average total loans | $147,665,800 | 2,609 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4599% | 744 |
| Cost of funding earning assets | 1.4318% | 263 |
| Net interest margin | 4.0282% | 2,387 |
| Noninterest income to average assets | 0.8899% | 1,869 |
| Noninterest expense to average assets | 3.7207% | 1,337 |
| Loan and lease loss provision to assets | 1.1828% | 309 |
| Net operating income to assets | -0.1064% | 6,409 |
| Return on assets (ROA) | -0.0916% | 6,491 |
| Pretax return on assets | -0.0916% | 6,475 |
| Return on Equity (ROE) | -1.1206% | 6,513 |
| Retained earnings to average equity (ytd only) | -1.1206% | 6,291 |
| Net charge-offs to loans | 2.2512% | 299 |
| Credit loss provision to net charge-offs | 69.4192% | 3,919 |
| Earnings coverage of net charge-offs (x) | 0.6318% | 5,006 |
| Efficiency ratio | 77.5610% | 2,450 |
| Assets per employee ($millions) | 4.4985% | 2,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8813% | 819 |
| Loan loss allowance to noncurrent loans | 50.0312% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 4.2401% | 1,120 |
| Noncurrent loans to loans | 5.7589% | 729 |
| Net loans and leases to total assets | 71.5046% | 1,646 |
| Net loans and leases to deposits | 92.5196% | 917 |
| Net loans and leases to core deposits | 99.6629% | 1,145 |
| Total domestic deposits to total assets | 77.2860% | 6,193 |
| Equity capital to assets | 9.0618% | 5,763 |
| Core capital (leverage) ratio | 8.6158% | 5,604 |
| Tier 1 risk-based capital ratio | 12.5731% | 5,586 |
| Total risk-based capital ratio | 13.8447% | 5,530 |
| Memoranda: | ||
| Average total assets | $198,058,500 | 3,102 |
| Average earning assets | $192,109,500 | 2,964 |
| Average equity | $16,181,250 | 3,790 |
| Average total loans | $149,903,250 | 2,605 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 789 |
| Cost of funding earning assets | 1.4923% | 247 |
| Net interest margin | 3.9641% | 2,663 |
| Noninterest income to average assets | 0.9538% | 1,600 |
| Noninterest expense to average assets | 3.7564% | 1,288 |
| Loan and lease loss provision to assets | 1.4809% | 246 |
| Net operating income to assets | -0.4396% | 6,707 |
| Return on assets (ROA) | -0.4177% | 6,739 |
| Pretax return on assets | -0.4177% | 6,707 |
| Return on Equity (ROE) | -5.2937% | 6,782 |
| Retained earnings to average equity (ytd only) | -5.2937% | 6,635 |
| Net charge-offs to loans | 3.4553% | 156 |
| Credit loss provision to net charge-offs | 56.1463% | 3,901 |
| Earnings coverage of net charge-offs (x) | 0.3948% | 4,880 |
| Efficiency ratio | 78.2960% | 2,423 |
| Assets per employee ($millions) | 5.2516% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5077% | 1,270 |
| Loan loss allowance to noncurrent loans | 50.1733% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 3.7111% | 1,405 |
| Noncurrent loans to loans | 4.9981% | 988 |
| Net loans and leases to total assets | 72.3878% | 1,495 |
| Net loans and leases to deposits | 92.8962% | 856 |
| Net loans and leases to core deposits | 100.0576% | 1,097 |
| Total domestic deposits to total assets | 77.9233% | 6,167 |
| Equity capital to assets | 8.6666% | 6,060 |
| Core capital (leverage) ratio | 8.0224% | 6,249 |
| Tier 1 risk-based capital ratio | 11.6036% | 6,165 |
| Total risk-based capital ratio | 12.8700% | 6,137 |
| Memoranda: | ||
| Average total assets | $201,099,330 | 3,069 |
| Average earning assets | $195,002,000 | 2,939 |
| Average equity | $15,868,000 | 3,827 |
| Average total loans | $153,502,330 | 2,559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4536% | 827 |
| Cost of funding earning assets | 1.5026% | 283 |
| Net interest margin | 3.9511% | 2,713 |
| Noninterest income to average assets | 1.0191% | 1,375 |
| Noninterest expense to average assets | 3.5972% | 1,563 |
| Loan and lease loss provision to assets | 0.7942% | 624 |
| Net operating income to assets | 0.4597% | 4,994 |
| Return on assets (ROA) | 0.5027% | 5,027 |
| Pretax return on assets | 0.5027% | 5,421 |
| Return on Equity (ROE) | 6.6831% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.6831% | 2,591 |
| Net charge-offs to loans | 1.6621% | 580 |
| Credit loss provision to net charge-offs | 61.7960% | 3,076 |
| Earnings coverage of net charge-offs (x) | 0.9756% | 3,842 |
| Efficiency ratio | 74.1532% | 3,078 |
| Assets per employee ($millions) | 4.4222% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 882 |
| Loan loss allowance to noncurrent loans | 44.1994% | 5,397 |
| Noncurrent assets plus other real estate owned to assets | 5.0383% | 1,032 |
| Noncurrent loans to loans | 6.6535% | 709 |
| Net loans and leases to total assets | 73.4977% | 1,137 |
| Net loans and leases to deposits | 96.0170% | 538 |
| Net loans and leases to core deposits | 105.1126% | 713 |
| Total domestic deposits to total assets | 76.5466% | 6,483 |
| Equity capital to assets | 7.6040% | 6,740 |
| Core capital (leverage) ratio | 7.3549% | 6,711 |
| Tier 1 risk-based capital ratio | 10.0429% | 6,867 |
| Total risk-based capital ratio | 11.3146% | 6,856 |
| Memoranda: | ||
| Average total assets | $204,494,500 | 3,057 |
| Average earning assets | $198,326,000 | 2,915 |
| Average equity | $15,382,000 | 3,915 |
| Average total loans | $158,116,500 | 2,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 897 |
| Cost of funding earning assets | 1.6600% | 378 |
| Net interest margin | 3.9715% | 3,016 |
| Noninterest income to average assets | 1.0013% | 1,365 |
| Noninterest expense to average assets | 3.9016% | 1,177 |
| Loan and lease loss provision to assets | 1.9418% | 317 |
| Net operating income to assets | -1.0137% | 6,745 |
| Return on assets (ROA) | -1.0940% | 6,807 |
| Pretax return on assets | -1.0764% | 6,766 |
| Return on Equity (ROE) | -13.5893% | 6,854 |
| Retained earnings to average equity (ytd only) | -13.5893% | 6,829 |
| Net charge-offs to loans | 1.7014% | 895 |
| Credit loss provision to net charge-offs | 144.2600% | 2,003 |
| Earnings coverage of net charge-offs (x) | 0.7026% | 5,283 |
| Efficiency ratio | 80.4904% | 2,243 |
| Assets per employee ($millions) | 4.2827% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9477% | 851 |
| Loan loss allowance to noncurrent loans | 49.9948% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 4.6520% | 1,176 |
| Noncurrent loans to loans | 5.8960% | 857 |
| Net loans and leases to total assets | 76.5743% | 879 |
| Net loans and leases to deposits | 99.6840% | 473 |
| Net loans and leases to core deposits | 108.5540% | 675 |
| Total domestic deposits to total assets | 76.8170% | 6,364 |
| Equity capital to assets | 7.4408% | 6,837 |
| Core capital (leverage) ratio | 7.2152% | 6,784 |
| Tier 1 risk-based capital ratio | 9.4662% | 6,968 |
| Total risk-based capital ratio | 10.7389% | 6,956 |
| Memoranda: | ||
| Average total assets | $210,324,200 | 2,940 |
| Average earning assets | $203,677,000 | 2,807 |
| Average equity | $16,932,400 | 3,590 |
| Average total loans | $166,391,400 | 2,411 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5935% | 1,046 |
| Cost of funding earning assets | 1.6987% | 397 |
| Net interest margin | 3.8948% | 3,404 |
| Noninterest income to average assets | 0.8756% | 1,739 |
| Noninterest expense to average assets | 3.7387% | 1,418 |
| Loan and lease loss provision to assets | 1.2494% | 612 |
| Net operating income to assets | -0.3650% | 6,560 |
| Return on assets (ROA) | -0.1992% | 6,468 |
| Pretax return on assets | -0.1759% | 6,391 |
| Return on Equity (ROE) | -2.4295% | 6,521 |
| Retained earnings to average equity (ytd only) | -2.4295% | 6,355 |
| Net charge-offs to loans | 1.3210% | 1,159 |
| Credit loss provision to net charge-offs | 119.4696% | 2,730 |
| Earnings coverage of net charge-offs (x) | 0.8680% | 4,968 |
| Efficiency ratio | 80.4640% | 2,188 |
| Assets per employee ($millions) | 3.9890% | 3,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2985% | 1,692 |
| Loan loss allowance to noncurrent loans | 29.8481% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 6.2180% | 845 |
| Noncurrent loans to loans | 7.7008% | 596 |
| Net loans and leases to total assets | 77.4249% | 779 |
| Net loans and leases to deposits | 105.3373% | 272 |
| Net loans and leases to core deposits | 115.3241% | 517 |
| Total domestic deposits to total assets | 73.5019% | 6,815 |
| Equity capital to assets | 8.0173% | 6,686 |
| Core capital (leverage) ratio | 8.0289% | 6,370 |
| Tier 1 risk-based capital ratio | 9.6714% | 7,026 |
| Total risk-based capital ratio | 10.8636% | 7,035 |
| Memoranda: | ||
| Average total assets | $211,513,000 | 2,935 |
| Average earning assets | $204,779,000 | 2,802 |
| Average equity | $17,341,500 | 3,534 |
| Average total loans | $167,440,750 | 2,414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6380% | 996 |
| Cost of funding earning assets | 1.7138% | 446 |
| Net interest margin | 3.9243% | 3,193 |
| Noninterest income to average assets | 0.9256% | 1,553 |
| Noninterest expense to average assets | 3.4092% | 2,231 |
| Loan and lease loss provision to assets | 1.0816% | 763 |
| Net operating income to assets | 0.2014% | 5,734 |
| Return on assets (ROA) | 0.2014% | 5,851 |
| Pretax return on assets | 0.2364% | 5,847 |
| Return on Equity (ROE) | 2.4382% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.4382% | 4,733 |
| Net charge-offs to loans | 0.7347% | 2,038 |
| Credit loss provision to net charge-offs | 186.0163% | 1,620 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 3,698 |
| Efficiency ratio | 72.1200% | 3,711 |
| Assets per employee ($millions) | 4.0490% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4303% | 1,545 |
| Loan loss allowance to noncurrent loans | 30.7727% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 6.1451% | 906 |
| Noncurrent loans to loans | 7.8977% | 578 |
| Net loans and leases to total assets | 75.9170% | 1,081 |
| Net loans and leases to deposits | 101.6085% | 419 |
| Net loans and leases to core deposits | 111.4506% | 674 |
| Total domestic deposits to total assets | 74.7152% | 6,762 |
| Equity capital to assets | 8.3063% | 6,417 |
| Core capital (leverage) ratio | 8.0188% | 6,276 |
| Tier 1 risk-based capital ratio | 9.8147% | 7,028 |
| Total risk-based capital ratio | 11.0833% | 7,023 |
| Memoranda: | ||
| Average total assets | $211,544,330 | 2,954 |
| Average earning assets | $204,930,670 | 2,815 |
| Average equity | $17,472,000 | 3,499 |
| Average total loans | $167,407,000 | 2,440 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7829% | 763 |
| Cost of funding earning assets | 1.7118% | 523 |
| Net interest margin | 4.0710% | 2,383 |
| Noninterest income to average assets | 0.9942% | 1,347 |
| Noninterest expense to average assets | 3.5387% | 1,908 |
| Loan and lease loss provision to assets | 0.9732% | 800 |
| Net operating income to assets | 0.4209% | 4,852 |
| Return on assets (ROA) | 0.4209% | 4,940 |
| Pretax return on assets | 0.4228% | 5,270 |
| Return on Equity (ROE) | 5.1112% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.1112% | 3,111 |
| Net charge-offs to loans | 0.3914% | 2,514 |
| Credit loss provision to net charge-offs | 311.5854% | 1,035 |
| Earnings coverage of net charge-offs (x) | 4.4695% | 2,473 |
| Efficiency ratio | 71.7098% | 3,926 |
| Assets per employee ($millions) | 4.0893% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3400% | 1,701 |
| Loan loss allowance to noncurrent loans | 33.5266% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 5.5419% | 1,089 |
| Noncurrent loans to loans | 6.9797% | 797 |
| Net loans and leases to total assets | 77.5427% | 796 |
| Net loans and leases to deposits | 104.8258% | 287 |
| Net loans and leases to core deposits | 117.6539% | 484 |
| Total domestic deposits to total assets | 73.9729% | 6,906 |
| Equity capital to assets | 8.3431% | 6,115 |
| Core capital (leverage) ratio | 8.1461% | 6,063 |
| Tier 1 risk-based capital ratio | 9.6769% | 7,102 |
| Total risk-based capital ratio | 10.8860% | 7,125 |
| Memoranda: | ||
| Average total assets | $210,019,000 | 2,987 |
| Average earning assets | $203,290,500 | 2,853 |
| Average equity | $17,295,500 | 3,524 |
| Average total loans | $167,624,500 | 2,466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 743 |
| Cost of funding earning assets | 1.8388% | 1,032 |
| Net interest margin | 4.2324% | 2,054 |
| Noninterest income to average assets | 0.7096% | 2,788 |
| Noninterest expense to average assets | 3.5069% | 2,151 |
| Loan and lease loss provision to assets | 1.4221% | 1,058 |
| Net operating income to assets | -0.1615% | 6,062 |
| Return on assets (ROA) | -0.1309% | 6,082 |
| Pretax return on assets | -0.1279% | 6,020 |
| Return on Equity (ROE) | -1.4897% | 6,115 |
| Retained earnings to average equity (ytd only) | -1.4897% | 5,884 |
| Net charge-offs to loans | 0.9146% | 2,356 |
| Credit loss provision to net charge-offs | 208.5445% | 1,474 |
| Earnings coverage of net charge-offs (x) | 1.8530% | 4,340 |
| Efficiency ratio | 73.5121% | 3,485 |
| Assets per employee ($millions) | 4.2296% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 2,114 |
| Loan loss allowance to noncurrent loans | 38.1241% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 4.3758% | 1,528 |
| Noncurrent loans to loans | 5.4546% | 1,204 |
| Net loans and leases to total assets | 78.5533% | 868 |
| Net loans and leases to deposits | 107.9736% | 271 |
| Net loans and leases to core deposits | 123.0572% | 447 |
| Total domestic deposits to total assets | 72.7523% | 7,021 |
| Equity capital to assets | 8.1288% | 6,346 |
| Core capital (leverage) ratio | 8.1058% | 6,003 |
| Tier 1 risk-based capital ratio | 9.3423% | 7,174 |
| Total risk-based capital ratio | 10.5472% | 7,189 |
| Memoranda: | ||
| Average total assets | $202,512,600 | 3,070 |
| Average earning assets | $194,309,600 | 2,946 |
| Average equity | $17,788,600 | 3,463 |
| Average total loans | $151,001,600 | 2,758 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1229% | 729 |
| Cost of funding earning assets | 1.8646% | 1,153 |
| Net interest margin | 4.2583% | 2,002 |
| Noninterest income to average assets | 0.6198% | 3,315 |
| Noninterest expense to average assets | 3.4120% | 2,257 |
| Loan and lease loss provision to assets | 0.8921% | 1,701 |
| Net operating income to assets | 0.3899% | 4,791 |
| Return on assets (ROA) | 0.4301% | 4,805 |
| Pretax return on assets | 0.4341% | 5,133 |
| Return on Equity (ROE) | 4.8016% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.8016% | 3,128 |
| Net charge-offs to loans | 0.3043% | 4,150 |
| Credit loss provision to net charge-offs | 401.1976% | 751 |
| Earnings coverage of net charge-offs (x) | 5.7815% | 2,680 |
| Efficiency ratio | 72.6332% | 3,583 |
| Assets per employee ($millions) | 4.3213% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8447% | 2,646 |
| Loan loss allowance to noncurrent loans | 40.1296% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 3.5717% | 1,993 |
| Noncurrent loans to loans | 4.5968% | 1,554 |
| Net loans and leases to total assets | 76.2677% | 1,355 |
| Net loans and leases to deposits | 109.0329% | 277 |
| Net loans and leases to core deposits | 125.4743% | 463 |
| Total domestic deposits to total assets | 69.9492% | 7,277 |
| Equity capital to assets | 8.6684% | 6,078 |
| Core capital (leverage) ratio | 8.7445% | 5,114 |
| Tier 1 risk-based capital ratio | 9.7977% | 7,159 |
| Total risk-based capital ratio | 11.0443% | 7,148 |
| Memoranda: | ||
| Average total assets | $200,270,250 | 3,133 |
| Average earning assets | $191,779,250 | 3,014 |
| Average equity | $17,938,000 | 3,480 |
| Average total loans | $146,338,500 | 2,866 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9658% | 1,027 |
| Cost of funding earning assets | 1.9225% | 1,145 |
| Net interest margin | 4.0433% | 2,822 |
| Noninterest income to average assets | 0.2902% | 5,828 |
| Noninterest expense to average assets | 3.2284% | 2,805 |
| Loan and lease loss provision to assets | 0.7025% | 2,066 |
| Net operating income to assets | 0.2195% | 5,495 |
| Return on assets (ROA) | 0.2820% | 5,407 |
| Pretax return on assets | 0.2851% | 5,543 |
| Return on Equity (ROE) | 3.1125% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.1125% | 4,132 |
| Net charge-offs to loans | 0.3051% | 3,787 |
| Credit loss provision to net charge-offs | 322.4299% | 1,137 |
| Earnings coverage of net charge-offs (x) | 4.2430% | 3,012 |
| Efficiency ratio | 77.7396% | 2,770 |
| Assets per employee ($millions) | 4.3096% | 3,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 3,446 |
| Loan loss allowance to noncurrent loans | 33.4357% | 6,140 |
| Noncurrent assets plus other real estate owned to assets | 3.6989% | 1,894 |
| Noncurrent loans to loans | 4.7859% | 1,479 |
| Net loans and leases to total assets | 76.0493% | 1,487 |
| Net loans and leases to deposits | 105.2007% | 433 |
| Net loans and leases to core deposits | 119.8312% | 702 |
| Total domestic deposits to total assets | 72.2897% | 7,161 |
| Equity capital to assets | 8.9415% | 5,539 |
| Core capital (leverage) ratio | 8.7178% | 5,047 |
| Tier 1 risk-based capital ratio | 9.9655% | 7,042 |
| Total risk-based capital ratio | 11.1214% | 7,075 |
| Memoranda: | ||
| Average total assets | $196,445,330 | 3,209 |
| Average earning assets | $187,668,670 | 3,098 |
| Average equity | $17,799,000 | 3,493 |
| Average total loans | $140,275,330 | 3,009 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8082% | 1,430 |
| Cost of funding earning assets | 1.9476% | 1,251 |
| Net interest margin | 3.8606% | 3,505 |
| Noninterest income to average assets | 0.2627% | 6,052 |
| Noninterest expense to average assets | 3.0715% | 3,386 |
| Loan and lease loss provision to assets | 0.6205% | 2,046 |
| Net operating income to assets | 0.2461% | 5,512 |
| Return on assets (ROA) | 0.2461% | 5,632 |
| Pretax return on assets | 0.2523% | 5,741 |
| Return on Equity (ROE) | 2.6980% | 5,478 |
| Retained earnings to average equity (ytd only) | 2.6980% | 4,519 |
| Net charge-offs to loans | 0.4238% | 2,776 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 3.0143% | 3,045 |
| Efficiency ratio | 77.8710% | 2,921 |
| Assets per employee ($millions) | 4.8254% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 3,528 |
| Loan loss allowance to noncurrent loans | 33.0964% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 3.3415% | 2,127 |
| Noncurrent loans to loans | 4.7738% | 1,540 |
| Net loans and leases to total assets | 68.8915% | 3,180 |
| Net loans and leases to deposits | 92.8157% | 1,497 |
| Net loans and leases to core deposits | 102.9379% | 1,827 |
| Total domestic deposits to total assets | 74.2240% | 7,020 |
| Equity capital to assets | 8.9935% | 5,288 |
| Core capital (leverage) ratio | 8.9346% | 4,673 |
| Tier 1 risk-based capital ratio | 10.8155% | 6,331 |
| Total risk-based capital ratio | 12.0671% | 6,308 |
| Memoranda: | ||
| Average total assets | $193,393,500 | 3,316 |
| Average earning assets | $184,429,500 | 3,196 |
| Average equity | $17,643,000 | 3,545 |
| Average total loans | $132,142,000 | 3,218 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1172% | 1,471 |
| Cost of funding earning assets | 2.4678% | 1,097 |
| Net interest margin | 3.6494% | 4,356 |
| Noninterest income to average assets | 0.5816% | 3,769 |
| Noninterest expense to average assets | 3.7174% | 1,873 |
| Loan and lease loss provision to assets | 1.3896% | 1,648 |
| Net operating income to assets | -1.0678% | 6,623 |
| Return on assets (ROA) | -1.1095% | 6,653 |
| Pretax return on assets | -1.1070% | 6,480 |
| Return on Equity (ROE) | -11.8742% | 6,759 |
| Retained earnings to average equity (ytd only) | -11.8742% | 6,671 |
| Net charge-offs to loans | 1.0618% | 2,290 |
| Credit loss provision to net charge-offs | 196.2500% | 2,014 |
| Earnings coverage of net charge-offs (x) | 0.4580% | 5,655 |
| Efficiency ratio | 87.6427% | 1,917 |
| Assets per employee ($millions) | 4.9722% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6129% | 3,228 |
| Loan loss allowance to noncurrent loans | 42.7248% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.5134% | 2,782 |
| Noncurrent loans to loans | 3.7751% | 1,987 |
| Net loans and leases to total assets | 65.5062% | 4,277 |
| Net loans and leases to deposits | 89.7704% | 2,247 |
| Net loans and leases to core deposits | 118.7504% | 2,059 |
| Total domestic deposits to total assets | 72.9708% | 7,155 |
| Equity capital to assets | 9.2583% | 4,759 |
| Core capital (leverage) ratio | 9.8371% | 3,289 |
| Tier 1 risk-based capital ratio | 11.4693% | 5,423 |
| Total risk-based capital ratio | 12.7203% | 5,390 |
| Memoranda: | ||
| Average total assets | $158,173,400 | 3,806 |
| Average earning assets | $149,971,400 | 3,718 |
| Average equity | $14,780,000 | 4,100 |
| Average total loans | $105,478,800 | 3,794 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0841% | 1,707 |
| Cost of funding earning assets | 2.6679% | 866 |
| Net interest margin | 3.4162% | 5,191 |
| Noninterest income to average assets | 0.1923% | 6,842 |
| Noninterest expense to average assets | 3.8205% | 1,558 |
| Loan and lease loss provision to assets | 0.4253% | 3,778 |
| Net operating income to assets | -0.8213% | 6,706 |
| Return on assets (ROA) | -0.8798% | 6,747 |
| Pretax return on assets | -0.8763% | 6,586 |
| Return on Equity (ROE) | -9.3887% | 6,852 |
| Retained earnings to average equity (ytd only) | -9.3887% | 6,753 |
| Net charge-offs to loans | 0.0133% | 6,732 |
| Credit loss provision to net charge-offs | 4,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | -44.3098% | 6,958 |
| Efficiency ratio | 104.2647% | 908 |
| Assets per employee ($millions) | 5.2255% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,196 |
| Loan loss allowance to noncurrent loans | 62.3246% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.3635% | 4,362 |
| Noncurrent loans to loans | 1.9006% | 3,774 |
| Net loans and leases to total assets | 70.8897% | 3,295 |
| Net loans and leases to deposits | 98.4437% | 1,272 |
| Net loans and leases to core deposits | 124.6886% | 1,841 |
| Total domestic deposits to total assets | 72.0105% | 7,212 |
| Equity capital to assets | 10.9756% | 3,030 |
| Core capital (leverage) ratio | 11.1898% | 2,268 |
| Tier 1 risk-based capital ratio | 13.7964% | 3,668 |
| Total risk-based capital ratio | 14.8814% | 3,699 |
| Memoranda: | ||
| Average total assets | $150,480,750 | 3,973 |
| Average earning assets | $142,531,000 | 3,880 |
| Average equity | $14,101,750 | 4,270 |
| Average total loans | $100,398,750 | 3,970 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1307% | 1,687 |
| Cost of funding earning assets | 2.8585% | 675 |
| Net interest margin | 3.2722% | 5,653 |
| Noninterest income to average assets | 0.1228% | 7,364 |
| Noninterest expense to average assets | 3.8785% | 1,520 |
| Loan and lease loss provision to assets | 0.4141% | 3,461 |
| Net operating income to assets | -1.0807% | 7,039 |
| Return on assets (ROA) | -0.9206% | 6,921 |
| Pretax return on assets | -0.9206% | 6,760 |
| Return on Equity (ROE) | -10.5166% | 7,077 |
| Retained earnings to average equity (ytd only) | -10.5166% | 6,927 |
| Net charge-offs to loans | 0.0213% | 6,206 |
| Credit loss provision to net charge-offs | 3,000.0000% | 164 |
| Earnings coverage of net charge-offs (x) | -48.3000% | 6,596 |
| Efficiency ratio | 113.0211% | 777 |
| Assets per employee ($millions) | 4.5165% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 5,058 |
| Loan loss allowance to noncurrent loans | 734.3195% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 7,301 |
| Noncurrent loans to loans | 0.1611% | 7,121 |
| Net loans and leases to total assets | 65.5917% | 4,649 |
| Net loans and leases to deposits | 88.4150% | 3,106 |
| Net loans and leases to core deposits | 112.8432% | 3,035 |
| Total domestic deposits to total assets | 74.1862% | 6,926 |
| Equity capital to assets | 7.8727% | 6,888 |
| Core capital (leverage) ratio | 8.4702% | 5,495 |
| Tier 1 risk-based capital ratio | 10.6115% | 6,273 |
| Total risk-based capital ratio | 11.6497% | 6,420 |
| Memoranda: | ||
| Average total assets | $144,902,330 | 4,086 |
| Average earning assets | $136,786,670 | 4,014 |
| Average equity | $12,684,670 | 4,633 |
| Average total loans | $93,878,330 | 4,172 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1726% | 1,680 |
| Cost of funding earning assets | 3.0187% | 581 |
| Net interest margin | 3.1538% | 6,000 |
| Noninterest income to average assets | 0.1128% | 7,466 |
| Noninterest expense to average assets | 3.8666% | 1,355 |
| Loan and lease loss provision to assets | 0.4338% | 2,759 |
| Net operating income to assets | -1.2204% | 7,373 |
| Return on assets (ROA) | -1.2204% | 7,391 |
| Pretax return on assets | -1.2175% | 7,263 |
| Return on Equity (ROE) | -13.1829% | 7,527 |
| Retained earnings to average equity (ytd only) | -13.1829% | 7,336 |
| Net charge-offs to loans | 0.0453% | 4,846 |
| Credit loss provision to net charge-offs | 1,500.0000% | 404 |
| Earnings coverage of net charge-offs (x) | -27.1000% | 5,679 |
| Efficiency ratio | 116.9794% | 680 |
| Assets per employee ($millions) | 4.3216% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 65.0275% | 4,806 |
| Net loans and leases to deposits | 91.3350% | 2,721 |
| Net loans and leases to core deposits | 117.6433% | 2,630 |
| Total domestic deposits to total assets | 71.1967% | 7,310 |
| Equity capital to assets | 8.8871% | 5,503 |
| Core capital (leverage) ratio | 8.6003% | 5,342 |
| Tier 1 risk-based capital ratio | 11.3298% | 5,571 |
| Total risk-based capital ratio | 12.3678% | 5,714 |
| Memoranda: | ||
| Average total assets | $138,314,500 | 4,226 |
| Average earning assets | $130,253,500 | 4,148 |
| Average equity | $12,804,500 | 4,629 |
| Average total loans | $88,354,000 | 4,348 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2846% | 4,052 |
| Cost of funding earning assets | 3.1524% | 1,343 |
| Net interest margin | 3.1322% | 6,557 |
| Noninterest income to average assets | 0.1258% | 7,487 |
| Noninterest expense to average assets | 3.9863% | 1,439 |
| Loan and lease loss provision to assets | 0.3470% | 3,622 |
| Net operating income to assets | -1.2432% | 7,365 |
| Return on assets (ROA) | -2.4282% | 7,658 |
| Pretax return on assets | -2.4265% | 7,571 |
| Return on Equity (ROE) | -19.7792% | 7,753 |
| Retained earnings to average equity (ytd only) | -19.7792% | 7,675 |
| Net charge-offs to loans | 0.1477% | 4,732 |
| Credit loss provision to net charge-offs | 444.4444% | 985 |
| Earnings coverage of net charge-offs (x) | -11.4556% | 6,909 |
| Efficiency ratio | 128.9282% | 475 |
| Assets per employee ($millions) | 4.1880% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1462% | 4,952 |
| Loan loss allowance to noncurrent loans | 9,500.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 7,611 |
| Noncurrent loans to loans | 0.0121% | 7,500 |
| Net loans and leases to total assets | 61.1340% | 5,748 |
| Net loans and leases to deposits | 85.6059% | 4,170 |
| Net loans and leases to core deposits | 113.1442% | 3,428 |
| Total domestic deposits to total assets | 71.4133% | 7,103 |
| Equity capital to assets | 9.6518% | 4,480 |
| Core capital (leverage) ratio | 9.5888% | 3,892 |
| Tier 1 risk-based capital ratio | 13.0166% | 4,101 |
| Total risk-based capital ratio | 14.0285% | 4,159 |
| Memoranda: | ||
| Average total assets | $115,269,200 | 4,629 |
| Average earning assets | $109,155,800 | 4,532 |
| Average equity | $14,151,200 | 4,309 |
| Average total loans | $60,954,000 | 5,220 |