Home > Insignia Bank > Performance and Condition Ratios
Insignia Bank, Performance and Condition Ratios
| 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 | 4.0466% | 3,039 |
| Cost of funding earning assets | 0.5170% | 1,960 |
| Net interest margin | 3.5296% | 3,320 |
| Noninterest income to average assets | 0.6986% | 2,181 |
| Noninterest expense to average assets | 2.9590% | 2,467 |
| Loan and lease loss provision to assets | 0.0357% | 3,652 |
| Net operating income to assets | 0.6383% | 4,050 |
| Return on assets (ROA) | 0.6462% | 4,126 |
| Pretax return on assets | 1.0275% | 3,374 |
| Return on Equity (ROE) | 6.6865% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.6865% | 1,364 |
| Net charge-offs to loans | -0.0350% | 5,298 |
| Credit loss provision to net charge-offs | -133.8462% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7935% | 2,315 |
| Assets per employee ($millions) | 5.8014% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2032% | 3,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 2,298 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.7579% | 1,080 |
| Net loans and leases to deposits | 94.5665% | 1,136 |
| Net loans and leases to core deposits | 100.9979% | 1,536 |
| Total domestic deposits to total assets | 83.2831% | 3,664 |
| Equity capital to assets | 10.2878% | 3,400 |
| Core capital (leverage) ratio | 9.9174% | 3,603 |
| Tier 1 risk-based capital ratio | 13.4930% | 3,772 |
| Total risk-based capital ratio | 14.7466% | 3,670 |
| Memoranda: | ||
| Average total assets | $243,902,800 | 2,557 |
| Average earning assets | $228,808,000 | 2,526 |
| Average equity | $23,570,000 | 2,838 |
| Average total loans | $185,601,600 | 2,255 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,266 |
| Cost of funding earning assets | 0.5167% | 1,962 |
| Net interest margin | 3.4720% | 3,578 |
| Noninterest income to average assets | 0.6624% | 2,356 |
| Noninterest expense to average assets | 2.9955% | 2,329 |
| Loan and lease loss provision to assets | 0.0475% | 3,299 |
| Net operating income to assets | 0.5519% | 4,489 |
| Return on assets (ROA) | 0.5624% | 4,552 |
| Pretax return on assets | 0.8930% | 4,002 |
| Return on Equity (ROE) | 5.9147% | 4,107 |
| Retained earnings to average equity (ytd only) | 5.9147% | 2,227 |
| Net charge-offs to loans | -0.0211% | 5,019 |
| Credit loss provision to net charge-offs | -300.0000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4222% | 1,916 |
| Assets per employee ($millions) | 5.4714% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 3,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,608 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.1162% | 1,854 |
| Net loans and leases to deposits | 87.0834% | 2,130 |
| Net loans and leases to core deposits | 90.8664% | 2,490 |
| Total domestic deposits to total assets | 85.1095% | 2,754 |
| Equity capital to assets | 9.2578% | 4,911 |
| Core capital (leverage) ratio | 9.0297% | 4,800 |
| Tier 1 risk-based capital ratio | 12.2606% | 4,633 |
| Total risk-based capital ratio | 13.5148% | 4,530 |
| Memoranda: | ||
| Average total assets | $243,964,000 | 2,566 |
| Average earning assets | $228,875,750 | 2,532 |
| Average equity | $23,195,750 | 2,892 |
| Average total loans | $183,442,750 | 2,281 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,334 |
| Cost of funding earning assets | 0.5207% | 1,935 |
| Net interest margin | 3.4530% | 3,667 |
| Noninterest income to average assets | 0.5802% | 2,720 |
| Noninterest expense to average assets | 2.9679% | 2,453 |
| Loan and lease loss provision to assets | 0.0367% | 3,426 |
| Net operating income to assets | 0.5100% | 4,641 |
| Return on assets (ROA) | 0.5276% | 4,690 |
| Pretax return on assets | 0.8365% | 4,170 |
| Return on Equity (ROE) | 5.4976% | 4,291 |
| Retained earnings to average equity (ytd only) | 5.4976% | 2,424 |
| Net charge-offs to loans | -0.0211% | 4,968 |
| Credit loss provision to net charge-offs | -231.5789% | 4,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8240% | 1,818 |
| Assets per employee ($millions) | 5.0663% | 2,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,388 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 2,583 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.7690% | 1,693 |
| Net loans and leases to deposits | 88.2590% | 1,958 |
| Net loans and leases to core deposits | 92.5806% | 2,301 |
| Total domestic deposits to total assets | 84.7154% | 2,995 |
| Equity capital to assets | 9.4356% | 4,832 |
| Core capital (leverage) ratio | 8.6123% | 5,253 |
| Tier 1 risk-based capital ratio | 12.1526% | 4,732 |
| Total risk-based capital ratio | 13.4070% | 4,641 |
| Memoranda: | ||
| Average total assets | $239,566,330 | 2,601 |
| Average earning assets | $224,324,330 | 2,575 |
| Average equity | $22,992,000 | 2,923 |
| Average total loans | $180,291,670 | 2,311 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,593 |
| Cost of funding earning assets | 0.4946% | 2,149 |
| Net interest margin | 3.4038% | 3,855 |
| Noninterest income to average assets | 0.3095% | 4,516 |
| Noninterest expense to average assets | 2.8517% | 2,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4047% | 4,980 |
| Return on assets (ROA) | 0.4047% | 5,059 |
| Pretax return on assets | 0.6411% | 4,701 |
| Return on Equity (ROE) | 4.1798% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.1798% | 3,395 |
| Net charge-offs to loans | -0.0204% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6456% | 1,404 |
| Assets per employee ($millions) | 5.2137% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2405% | 3,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 2,747 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.3711% | 2,602 |
| Net loans and leases to deposits | 81.1487% | 2,655 |
| Net loans and leases to core deposits | 84.8528% | 2,860 |
| Total domestic deposits to total assets | 84.2541% | 3,424 |
| Equity capital to assets | 8.9721% | 5,195 |
| Core capital (leverage) ratio | 9.3086% | 4,479 |
| Tier 1 risk-based capital ratio | 12.2118% | 4,773 |
| Total risk-based capital ratio | 13.4677% | 4,674 |
| Memoranda: | ||
| Average total assets | $235,224,500 | 2,650 |
| Average earning assets | $219,987,500 | 2,622 |
| Average equity | $22,776,000 | 2,951 |
| Average total loans | $176,506,500 | 2,349 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 2,989 |
| Cost of funding earning assets | 0.5196% | 1,999 |
| Net interest margin | 3.5627% | 3,272 |
| Noninterest income to average assets | 0.9075% | 1,422 |
| Noninterest expense to average assets | 3.4092% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5016% | 4,690 |
| Return on assets (ROA) | 0.5051% | 4,760 |
| Pretax return on assets | 0.7996% | 4,187 |
| Return on Equity (ROE) | 4.5666% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.5666% | 2,731 |
| Net charge-offs to loans | -0.0738% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1068% | 1,519 |
| Assets per employee ($millions) | 4.5740% | 2,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 3,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9289% | 2,340 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.9224% | 724 |
| Net loans and leases to deposits | 102.1029% | 537 |
| Net loans and leases to core deposits | 106.2907% | 1,087 |
| Total domestic deposits to total assets | 79.2557% | 4,914 |
| Equity capital to assets | 10.5270% | 3,328 |
| Core capital (leverage) ratio | 9.9529% | 3,573 |
| Tier 1 risk-based capital ratio | 12.2229% | 4,813 |
| Total risk-based capital ratio | 13.4823% | 4,709 |
| Memoranda: | ||
| Average total assets | $200,340,800 | 2,952 |
| Average earning assets | $185,335,000 | 2,941 |
| Average equity | $22,160,800 | 2,959 |
| Average total loans | $157,262,000 | 2,500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0338% | 3,193 |
| Cost of funding earning assets | 0.5267% | 1,987 |
| Net interest margin | 3.5071% | 3,507 |
| Noninterest income to average assets | 0.9796% | 1,230 |
| Noninterest expense to average assets | 3.4431% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4915% | 4,821 |
| Return on assets (ROA) | 0.4915% | 4,910 |
| Pretax return on assets | 0.7775% | 4,404 |
| Return on Equity (ROE) | 4.3852% | 4,879 |
| Retained earnings to average equity (ytd only) | 4.3852% | 3,352 |
| Net charge-offs to loans | -0.0909% | 5,748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5773% | 1,451 |
| Assets per employee ($millions) | 4.2080% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,734 |
| Loan loss allowance to noncurrent loans | 3,683.0508% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.9971% | 2,367 |
| Noncurrent loans to loans | 0.0372% | 5,470 |
| Net loans and leases to total assets | 75.8418% | 1,410 |
| Net loans and leases to deposits | 93.0074% | 1,303 |
| Net loans and leases to core deposits | 96.7830% | 1,812 |
| Total domestic deposits to total assets | 81.5438% | 4,306 |
| Equity capital to assets | 10.9074% | 3,120 |
| Core capital (leverage) ratio | 10.0379% | 3,568 |
| Tier 1 risk-based capital ratio | 12.9935% | 4,428 |
| Total risk-based capital ratio | 14.2553% | 4,350 |
| Memoranda: | ||
| Average total assets | $196,681,000 | 3,009 |
| Average earning assets | $181,760,750 | 3,003 |
| Average equity | $22,043,250 | 2,985 |
| Average total loans | $152,539,500 | 2,570 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,159 |
| Cost of funding earning assets | 0.5308% | 1,975 |
| Net interest margin | 3.4986% | 3,504 |
| Noninterest income to average assets | 0.9085% | 1,416 |
| Noninterest expense to average assets | 3.4034% | 1,467 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4641% | 4,926 |
| Return on assets (ROA) | 0.4641% | 5,021 |
| Pretax return on assets | 0.7338% | 4,549 |
| Return on Equity (ROE) | 4.1015% | 4,977 |
| Retained earnings to average equity (ytd only) | 4.1015% | 3,414 |
| Net charge-offs to loans | -0.0279% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2633% | 1,455 |
| Assets per employee ($millions) | 4.2206% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,915 |
| Loan loss allowance to noncurrent loans | 3,542.3729% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 2,539 |
| Noncurrent loans to loans | 0.0385% | 5,596 |
| Net loans and leases to total assets | 73.0692% | 1,808 |
| Net loans and leases to deposits | 87.7340% | 1,873 |
| Net loans and leases to core deposits | 91.4683% | 2,200 |
| Total domestic deposits to total assets | 83.2850% | 3,838 |
| Equity capital to assets | 10.6911% | 3,221 |
| Core capital (leverage) ratio | 10.0025% | 3,599 |
| Tier 1 risk-based capital ratio | 13.1810% | 4,407 |
| Total risk-based capital ratio | 14.4443% | 4,324 |
| Memoranda: | ||
| Average total assets | $193,511,000 | 3,057 |
| Average earning assets | $178,585,000 | 3,061 |
| Average equity | $21,894,330 | 3,006 |
| Average total loans | $150,535,330 | 2,610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1255% | 2,725 |
| Cost of funding earning assets | 0.5381% | 1,942 |
| Net interest margin | 3.5874% | 3,056 |
| Noninterest income to average assets | 0.9119% | 1,351 |
| Noninterest expense to average assets | 3.4228% | 1,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4966% | 4,698 |
| Return on assets (ROA) | 0.4966% | 4,818 |
| Pretax return on assets | 0.7856% | 4,292 |
| Return on Equity (ROE) | 4.2595% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.2595% | 3,460 |
| Net charge-offs to loans | -0.0027% | 4,379 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3327% | 1,711 |
| Assets per employee ($millions) | 3.9341% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 3,081 |
| Loan loss allowance to noncurrent loans | 3,508.4746% | 190 |
| Noncurrent assets plus other real estate owned to assets | 1.0666% | 2,480 |
| Noncurrent loans to loans | 0.0389% | 5,628 |
| Net loans and leases to total assets | 77.6366% | 977 |
| Net loans and leases to deposits | 94.5307% | 934 |
| Net loans and leases to core deposits | 98.6663% | 1,413 |
| Total domestic deposits to total assets | 82.1284% | 4,474 |
| Equity capital to assets | 11.3814% | 2,575 |
| Core capital (leverage) ratio | 10.6456% | 2,795 |
| Tier 1 risk-based capital ratio | 13.1262% | 4,545 |
| Total risk-based capital ratio | 14.3902% | 4,450 |
| Memoranda: | ||
| Average total assets | $186,862,500 | 3,156 |
| Average earning assets | $171,714,000 | 3,158 |
| Average equity | $21,786,500 | 3,041 |
| Average total loans | $149,201,500 | 2,631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 2,004 |
| Cost of funding earning assets | 0.5398% | 2,292 |
| Net interest margin | 3.9268% | 2,131 |
| Noninterest income to average assets | 0.6351% | 2,644 |
| Noninterest expense to average assets | 3.4757% | 1,540 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4608% | 4,962 |
| Return on assets (ROA) | 0.4612% | 5,055 |
| Pretax return on assets | 0.7314% | 4,504 |
| Return on Equity (ROE) | 3.7353% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.7353% | 3,559 |
| Net charge-offs to loans | -0.0469% | 5,912 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6256% | 1,579 |
| Assets per employee ($millions) | 4.0212% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 2,902 |
| Loan loss allowance to noncurrent loans | 1,224.2604% | 504 |
| Noncurrent assets plus other real estate owned to assets | 1.2312% | 2,305 |
| Noncurrent loans to loans | 0.1152% | 5,434 |
| Net loans and leases to total assets | 79.9116% | 747 |
| Net loans and leases to deposits | 99.1573% | 670 |
| Net loans and leases to core deposits | 103.1699% | 1,175 |
| Total domestic deposits to total assets | 80.5908% | 4,861 |
| Equity capital to assets | 11.9549% | 2,044 |
| Core capital (leverage) ratio | 10.9706% | 2,435 |
| Tier 1 risk-based capital ratio | 13.4385% | 4,451 |
| Total risk-based capital ratio | 14.6910% | 4,384 |
| Memoranda: | ||
| Average total assets | $171,304,600 | 3,320 |
| Average earning assets | $155,800,200 | 3,345 |
| Average equity | $21,149,800 | 3,037 |
| Average total loans | $134,260,000 | 2,786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3011% | 2,629 |
| Cost of funding earning assets | 0.5357% | 2,414 |
| Net interest margin | 3.7655% | 2,756 |
| Noninterest income to average assets | 0.5929% | 2,915 |
| Noninterest expense to average assets | 3.3875% | 1,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3950% | 5,263 |
| Return on assets (ROA) | 0.3955% | 5,342 |
| Pretax return on assets | 0.6244% | 4,951 |
| Return on Equity (ROE) | 3.1765% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.1765% | 4,368 |
| Net charge-offs to loans | -0.0620% | 5,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4519% | 1,335 |
| Assets per employee ($millions) | 3.9814% | 3,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 3,024 |
| Loan loss allowance to noncurrent loans | 1,879.0909% | 319 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 2,531 |
| Noncurrent loans to loans | 0.0762% | 5,719 |
| Net loans and leases to total assets | 79.3707% | 788 |
| Net loans and leases to deposits | 98.1970% | 725 |
| Net loans and leases to core deposits | 101.7575% | 1,228 |
| Total domestic deposits to total assets | 80.8281% | 4,871 |
| Equity capital to assets | 11.9076% | 2,143 |
| Core capital (leverage) ratio | 11.1123% | 2,386 |
| Tier 1 risk-based capital ratio | 13.4165% | 4,593 |
| Total risk-based capital ratio | 14.6691% | 4,534 |
| Memoranda: | ||
| Average total assets | $168,892,000 | 3,383 |
| Average earning assets | $153,320,000 | 3,414 |
| Average equity | $21,029,000 | 3,059 |
| Average total loans | $131,156,750 | 2,851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3230% | 2,506 |
| Cost of funding earning assets | 0.5354% | 2,486 |
| Net interest margin | 3.7877% | 2,611 |
| Noninterest income to average assets | 0.5161% | 3,366 |
| Noninterest expense to average assets | 3.3795% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3590% | 5,376 |
| Return on assets (ROA) | 0.3590% | 5,444 |
| Pretax return on assets | 0.5657% | 5,071 |
| Return on Equity (ROE) | 2.8384% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.8384% | 4,399 |
| Net charge-offs to loans | -0.0931% | 6,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6618% | 1,298 |
| Assets per employee ($millions) | 3.9022% | 4,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,708 |
| Loan loss allowance to noncurrent loans | 1,860.3604% | 298 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 2,582 |
| Noncurrent loans to loans | 0.0829% | 5,770 |
| Net loans and leases to total assets | 76.7885% | 1,073 |
| Net loans and leases to deposits | 94.4583% | 927 |
| Net loans and leases to core deposits | 97.9837% | 1,443 |
| Total domestic deposits to total assets | 81.2936% | 4,876 |
| Equity capital to assets | 12.3079% | 1,766 |
| Core capital (leverage) ratio | 11.2253% | 2,223 |
| Tier 1 risk-based capital ratio | 13.9622% | 4,278 |
| Total risk-based capital ratio | 15.2159% | 4,220 |
| Memoranda: | ||
| Average total assets | $165,468,330 | 3,450 |
| Average earning assets | $149,801,670 | 3,487 |
| Average equity | $20,927,330 | 3,065 |
| Average total loans | $126,785,670 | 2,932 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 2,046 |
| Cost of funding earning assets | 0.5432% | 2,476 |
| Net interest margin | 3.8812% | 2,152 |
| Noninterest income to average assets | 0.6258% | 2,591 |
| Noninterest expense to average assets | 3.4813% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4139% | 5,069 |
| Return on assets (ROA) | 0.4139% | 5,135 |
| Pretax return on assets | 0.6480% | 4,671 |
| Return on Equity (ROE) | 3.2269% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.2269% | 4,185 |
| Net charge-offs to loans | -0.1883% | 6,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3079% | 1,633 |
| Assets per employee ($millions) | 3.9997% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,439 |
| Loan loss allowance to noncurrent loans | 1,859.4595% | 309 |
| Noncurrent assets plus other real estate owned to assets | 1.2918% | 2,706 |
| Noncurrent loans to loans | 0.0898% | 5,858 |
| Net loans and leases to total assets | 72.3456% | 1,527 |
| Net loans and leases to deposits | 88.4397% | 1,313 |
| Net loans and leases to core deposits | 91.1007% | 1,817 |
| Total domestic deposits to total assets | 81.8023% | 4,995 |
| Equity capital to assets | 12.4711% | 1,592 |
| Core capital (leverage) ratio | 11.6544% | 1,861 |
| Tier 1 risk-based capital ratio | 14.4925% | 4,014 |
| Total risk-based capital ratio | 15.7469% | 3,965 |
| Memoranda: | ||
| Average total assets | $162,355,000 | 3,525 |
| Average earning assets | $146,551,000 | 3,577 |
| Average equity | $20,825,000 | 3,076 |
| Average total loans | $123,225,000 | 3,005 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6022% | 1,871 |
| Cost of funding earning assets | 0.5486% | 3,125 |
| Net interest margin | 4.0536% | 1,790 |
| Noninterest income to average assets | 0.6892% | 2,611 |
| Noninterest expense to average assets | 3.3915% | 1,903 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6049% | 4,242 |
| Return on assets (ROA) | 0.6049% | 4,358 |
| Pretax return on assets | 0.9492% | 3,563 |
| Return on Equity (ROE) | 4.4741% | 4,905 |
| Retained earnings to average equity (ytd only) | 4.4741% | 2,992 |
| Net charge-offs to loans | 0.3197% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.7559% | 3,756 |
| Efficiency ratio | 78.1326% | 2,448 |
| Assets per employee ($millions) | 4.0185% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 2,638 |
| Loan loss allowance to noncurrent loans | 653.4202% | 746 |
| Noncurrent assets plus other real estate owned to assets | 1.5097% | 2,462 |
| Noncurrent loans to loans | 0.2499% | 5,435 |
| Net loans and leases to total assets | 77.1098% | 942 |
| Net loans and leases to deposits | 95.5781% | 759 |
| Net loans and leases to core deposits | 98.2241% | 1,289 |
| Total domestic deposits to total assets | 80.6773% | 5,275 |
| Equity capital to assets | 13.2081% | 1,181 |
| Core capital (leverage) ratio | 11.8793% | 1,692 |
| Tier 1 risk-based capital ratio | 14.7588% | 3,812 |
| Total risk-based capital ratio | 16.0136% | 3,748 |
| Memoranda: | ||
| Average total assets | $150,758,800 | 3,693 |
| Average earning assets | $135,806,000 | 3,724 |
| Average equity | $20,384,200 | 3,113 |
| Average total loans | $119,183,400 | 3,056 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,840 |
| Cost of funding earning assets | 0.5373% | 3,388 |
| Net interest margin | 4.0803% | 1,690 |
| Noninterest income to average assets | 0.6637% | 2,806 |
| Noninterest expense to average assets | 3.3157% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6521% | 4,105 |
| Return on assets (ROA) | 0.6521% | 4,239 |
| Pretax return on assets | 1.0245% | 3,401 |
| Return on Equity (ROE) | 4.7934% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.7934% | 3,240 |
| Net charge-offs to loans | 0.1026% | 3,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 12.6045% | 2,120 |
| Efficiency ratio | 76.3943% | 2,668 |
| Assets per employee ($millions) | 3.9552% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,006 |
| Loan loss allowance to noncurrent loans | 383.9465% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.9734% | 2,050 |
| Noncurrent loans to loans | 0.4946% | 4,961 |
| Net loans and leases to total assets | 76.8969% | 885 |
| Net loans and leases to deposits | 95.6765% | 715 |
| Net loans and leases to core deposits | 98.5052% | 1,202 |
| Total domestic deposits to total assets | 80.3717% | 5,397 |
| Equity capital to assets | 13.3463% | 1,186 |
| Core capital (leverage) ratio | 12.1016% | 1,613 |
| Tier 1 risk-based capital ratio | 14.8828% | 3,825 |
| Total risk-based capital ratio | 16.1410% | 3,770 |
| Memoranda: | ||
| Average total assets | $149,268,000 | 3,759 |
| Average earning assets | $134,496,500 | 3,784 |
| Average equity | $20,305,250 | 3,156 |
| Average total loans | $118,265,750 | 3,092 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 1,793 |
| Cost of funding earning assets | 0.5227% | 3,680 |
| Net interest margin | 4.0948% | 1,556 |
| Noninterest income to average assets | 0.7113% | 2,587 |
| Noninterest expense to average assets | 3.2939% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7059% | 3,775 |
| Return on assets (ROA) | 0.7059% | 3,948 |
| Pretax return on assets | 1.1111% | 3,054 |
| Return on Equity (ROE) | 5.1555% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.1555% | 2,956 |
| Net charge-offs to loans | 0.0375% | 4,157 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 37.2727% | 973 |
| Efficiency ratio | 74.7770% | 2,978 |
| Assets per employee ($millions) | 4.1381% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,039 |
| Loan loss allowance to noncurrent loans | 90.9615% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.9529% | 2,216 |
| Noncurrent loans to loans | 2.1157% | 2,265 |
| Net loans and leases to total assets | 78.7176% | 670 |
| Net loans and leases to deposits | 96.2898% | 649 |
| Net loans and leases to core deposits | 99.0223% | 1,140 |
| Total domestic deposits to total assets | 81.7508% | 5,129 |
| Equity capital to assets | 13.2821% | 1,229 |
| Core capital (leverage) ratio | 12.1305% | 1,544 |
| Tier 1 risk-based capital ratio | 14.4973% | 4,096 |
| Total risk-based capital ratio | 15.7556% | 4,060 |
| Memoranda: | ||
| Average total assets | $147,606,670 | 3,813 |
| Average earning assets | $133,143,670 | 3,841 |
| Average equity | $20,211,330 | 3,188 |
| Average total loans | $117,384,000 | 3,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 1,637 |
| Cost of funding earning assets | 0.5315% | 3,760 |
| Net interest margin | 4.1324% | 1,367 |
| Noninterest income to average assets | 0.6959% | 2,611 |
| Noninterest expense to average assets | 3.3081% | 2,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7014% | 3,681 |
| Return on assets (ROA) | 0.7014% | 3,822 |
| Pretax return on assets | 1.1018% | 2,944 |
| Return on Equity (ROE) | 5.0424% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.0424% | 3,206 |
| Net charge-offs to loans | -0.0105% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0157% | 3,097 |
| Assets per employee ($millions) | 3.7964% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0653% | 1,879 |
| Loan loss allowance to noncurrent loans | 94.1686% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 2.2563% | 2,070 |
| Noncurrent loans to loans | 2.1932% | 2,395 |
| Net loans and leases to total assets | 78.5561% | 555 |
| Net loans and leases to deposits | 95.2849% | 578 |
| Net loans and leases to core deposits | 98.0066% | 1,078 |
| Total domestic deposits to total assets | 82.4434% | 5,045 |
| Equity capital to assets | 14.0519% | 1,008 |
| Core capital (leverage) ratio | 12.1989% | 1,461 |
| Tier 1 risk-based capital ratio | 14.7176% | 4,023 |
| Total risk-based capital ratio | 15.9776% | 3,988 |
| Memoranda: | ||
| Average total assets | $144,856,000 | 3,899 |
| Average earning assets | $130,192,000 | 3,934 |
| Average equity | $20,149,000 | 3,234 |
| Average total loans | $114,632,000 | 3,189 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 2,325 |
| Cost of funding earning assets | 0.6615% | 3,822 |
| Net interest margin | 4.1071% | 1,974 |
| Noninterest income to average assets | 1.3029% | 904 |
| Noninterest expense to average assets | 3.5082% | 1,794 |
| Loan and lease loss provision to assets | 0.1611% | 3,602 |
| Net operating income to assets | 0.7986% | 3,292 |
| Return on assets (ROA) | 0.8078% | 3,500 |
| Pretax return on assets | 1.2714% | 2,519 |
| Return on Equity (ROE) | 6.1147% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.1147% | 2,008 |
| Net charge-offs to loans | -0.3852% | 6,994 |
| Credit loss provision to net charge-offs | -56.7633% | 6,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2138% | 3,588 |
| Assets per employee ($millions) | 4.1556% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 1,764 |
| Loan loss allowance to noncurrent loans | 84.5554% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 3.3373% | 1,376 |
| Noncurrent loans to loans | 2.4862% | 2,133 |
| Net loans and leases to total assets | 76.4251% | 862 |
| Net loans and leases to deposits | 92.3584% | 885 |
| Net loans and leases to core deposits | 94.6920% | 1,411 |
| Total domestic deposits to total assets | 82.7484% | 4,823 |
| Equity capital to assets | 13.7686% | 1,126 |
| Core capital (leverage) ratio | 11.9454% | 1,597 |
| Tier 1 risk-based capital ratio | 14.6088% | 3,958 |
| Total risk-based capital ratio | 15.8685% | 3,909 |
| Memoranda: | ||
| Average total assets | $145,828,400 | 3,847 |
| Average earning assets | $128,653,800 | 3,932 |
| Average equity | $19,265,200 | 3,295 |
| Average total loans | $107,484,200 | 3,345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 2,932 |
| Cost of funding earning assets | 0.6974% | 3,789 |
| Net interest margin | 3.9711% | 2,617 |
| Noninterest income to average assets | 0.8306% | 2,119 |
| Noninterest expense to average assets | 3.4730% | 1,821 |
| Loan and lease loss provision to assets | 0.2147% | 2,918 |
| Net operating income to assets | 0.4106% | 5,206 |
| Return on assets (ROA) | 0.4230% | 5,387 |
| Pretax return on assets | 0.6533% | 4,998 |
| Return on Equity (ROE) | 3.2363% | 5,599 |
| Retained earnings to average equity (ytd only) | 3.2363% | 4,593 |
| Net charge-offs to loans | 0.0654% | 4,768 |
| Credit loss provision to net charge-offs | 451.9231% | 591 |
| Earnings coverage of net charge-offs (x) | 17.8659% | 1,602 |
| Efficiency ratio | 80.3594% | 2,040 |
| Assets per employee ($millions) | 4.1746% | 3,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 3,077 |
| Loan loss allowance to noncurrent loans | 46.9797% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 4.9668% | 903 |
| Noncurrent loans to loans | 3.6628% | 1,466 |
| Net loans and leases to total assets | 75.0895% | 1,105 |
| Net loans and leases to deposits | 92.0651% | 966 |
| Net loans and leases to core deposits | 94.4093% | 1,539 |
| Total domestic deposits to total assets | 81.5613% | 5,172 |
| Equity capital to assets | 13.2235% | 1,484 |
| Core capital (leverage) ratio | 11.1919% | 2,216 |
| Tier 1 risk-based capital ratio | 13.5357% | 4,863 |
| Total risk-based capital ratio | 14.7907% | 4,816 |
| Memoranda: | ||
| Average total assets | $145,923,750 | 3,880 |
| Average earning assets | $128,290,000 | 3,975 |
| Average equity | $19,075,000 | 3,350 |
| Average total loans | $105,969,000 | 3,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 3,169 |
| Cost of funding earning assets | 0.7545% | 3,572 |
| Net interest margin | 3.8879% | 2,960 |
| Noninterest income to average assets | 0.7816% | 2,280 |
| Noninterest expense to average assets | 3.4444% | 1,921 |
| Loan and lease loss provision to assets | 0.0384% | 5,194 |
| Net operating income to assets | 0.4580% | 5,004 |
| Return on assets (ROA) | 0.4580% | 5,241 |
| Pretax return on assets | 0.7116% | 4,796 |
| Return on Equity (ROE) | 3.5171% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.5171% | 4,251 |
| Net charge-offs to loans | -0.0922% | 6,842 |
| Credit loss provision to net charge-offs | -58.3333% | 6,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1183% | 1,864 |
| Assets per employee ($millions) | 3.6949% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 3,297 |
| Loan loss allowance to noncurrent loans | 59.5535% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 4.3086% | 1,157 |
| Noncurrent loans to loans | 2.8284% | 2,116 |
| Net loans and leases to total assets | 71.6379% | 1,621 |
| Net loans and leases to deposits | 87.4252% | 1,430 |
| Net loans and leases to core deposits | 90.0270% | 1,983 |
| Total domestic deposits to total assets | 81.9420% | 5,157 |
| Equity capital to assets | 12.9733% | 1,535 |
| Core capital (leverage) ratio | 10.8380% | 2,447 |
| Tier 1 risk-based capital ratio | 13.5669% | 4,771 |
| Total risk-based capital ratio | 14.8209% | 4,733 |
| Memoranda: | ||
| Average total assets | $145,861,330 | 3,905 |
| Average earning assets | $128,037,330 | 3,995 |
| Average equity | $18,993,000 | 3,354 |
| Average total loans | $104,080,330 | 3,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6808% | 3,127 |
| Cost of funding earning assets | 0.8264% | 3,265 |
| Net interest margin | 3.8544% | 3,118 |
| Noninterest income to average assets | 0.7150% | 2,579 |
| Noninterest expense to average assets | 3.4011% | 2,005 |
| Loan and lease loss provision to assets | 0.0607% | 4,654 |
| Net operating income to assets | 0.4031% | 5,244 |
| Return on assets (ROA) | 0.4031% | 5,426 |
| Pretax return on assets | 0.6267% | 5,026 |
| Return on Equity (ROE) | 3.0895% | 5,684 |
| Retained earnings to average equity (ytd only) | 3.0895% | 4,705 |
| Net charge-offs to loans | -0.0821% | 6,722 |
| Credit loss provision to net charge-offs | -104.7619% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1870% | 1,775 |
| Assets per employee ($millions) | 3.8847% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 3,281 |
| Loan loss allowance to noncurrent loans | 59.4261% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 4.2441% | 1,282 |
| Noncurrent loans to loans | 2.8873% | 2,235 |
| Net loans and leases to total assets | 69.1088% | 1,933 |
| Net loans and leases to deposits | 84.1801% | 1,642 |
| Net loans and leases to core deposits | 86.8703% | 2,188 |
| Total domestic deposits to total assets | 82.0964% | 5,263 |
| Equity capital to assets | 12.8541% | 1,510 |
| Core capital (leverage) ratio | 10.7483% | 2,497 |
| Tier 1 risk-based capital ratio | 13.2599% | 5,019 |
| Total risk-based capital ratio | 14.5137% | 4,999 |
| Memoranda: | ||
| Average total assets | $144,894,000 | 3,960 |
| Average earning assets | $126,816,500 | 4,041 |
| Average equity | $18,902,500 | 3,366 |
| Average total loans | $102,274,500 | 3,533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0102% | 2,833 |
| Cost of funding earning assets | 1.1141% | 2,580 |
| Net interest margin | 3.8960% | 3,354 |
| Noninterest income to average assets | 0.6029% | 3,146 |
| Noninterest expense to average assets | 3.3218% | 2,450 |
| Loan and lease loss provision to assets | 0.0067% | 6,443 |
| Net operating income to assets | 0.4241% | 4,758 |
| Return on assets (ROA) | 0.4674% | 4,759 |
| Pretax return on assets | 0.7263% | 4,233 |
| Return on Equity (ROE) | 3.8207% | 4,935 |
| Retained earnings to average equity (ytd only) | 3.8207% | 3,493 |
| Net charge-offs to loans | 0.2512% | 4,206 |
| Credit loss provision to net charge-offs | 3.8760% | 6,049 |
| Earnings coverage of net charge-offs (x) | 3.8450% | 3,371 |
| Efficiency ratio | 83.3137% | 1,846 |
| Assets per employee ($millions) | 3.8424% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 3,109 |
| Loan loss allowance to noncurrent loans | 57.2275% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 5.0165% | 1,061 |
| Noncurrent loans to loans | 3.0144% | 2,156 |
| Net loans and leases to total assets | 69.6441% | 2,103 |
| Net loans and leases to deposits | 85.3708% | 1,750 |
| Net loans and leases to core deposits | 90.3420% | 2,074 |
| Total domestic deposits to total assets | 81.5784% | 5,274 |
| Equity capital to assets | 13.2447% | 1,385 |
| Core capital (leverage) ratio | 10.4125% | 2,833 |
| Tier 1 risk-based capital ratio | 13.0373% | 5,039 |
| Total risk-based capital ratio | 14.2909% | 5,012 |
| Memoranda: | ||
| Average total assets | $149,107,400 | 3,820 |
| Average earning assets | $129,516,800 | 3,941 |
| Average equity | $18,242,800 | 3,394 |
| Average total loans | $102,718,400 | 3,552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 2,771 |
| Cost of funding earning assets | 1.1795% | 2,452 |
| Net interest margin | 3.8866% | 3,451 |
| Noninterest income to average assets | 0.4552% | 4,259 |
| Noninterest expense to average assets | 3.2660% | 2,615 |
| Loan and lease loss provision to assets | 0.0088% | 6,325 |
| Net operating income to assets | 0.3592% | 5,166 |
| Return on assets (ROA) | 0.4172% | 5,112 |
| Pretax return on assets | 0.6453% | 4,667 |
| Return on Equity (ROE) | 3.4777% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.4777% | 4,262 |
| Net charge-offs to loans | 0.3372% | 3,404 |
| Credit loss provision to net charge-offs | 3.8314% | 5,714 |
| Earnings coverage of net charge-offs (x) | 2.4483% | 3,903 |
| Efficiency ratio | 85.2561% | 1,606 |
| Assets per employee ($millions) | 4.6693% | 2,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6884% | 3,314 |
| Loan loss allowance to noncurrent loans | 56.8107% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 5.4005% | 1,039 |
| Noncurrent loans to loans | 2.9719% | 2,335 |
| Net loans and leases to total assets | 69.7949% | 2,117 |
| Net loans and leases to deposits | 85.1907% | 1,805 |
| Net loans and leases to core deposits | 90.0330% | 2,241 |
| Total domestic deposits to total assets | 81.9278% | 5,119 |
| Equity capital to assets | 12.8597% | 1,677 |
| Core capital (leverage) ratio | 9.9490% | 3,510 |
| Tier 1 risk-based capital ratio | 12.6268% | 5,391 |
| Total risk-based capital ratio | 13.8806% | 5,370 |
| Memoranda: | ||
| Average total assets | $150,841,750 | 3,811 |
| Average earning assets | $131,011,500 | 3,935 |
| Average equity | $18,096,000 | 3,418 |
| Average total loans | $103,210,250 | 3,565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0731% | 2,809 |
| Cost of funding earning assets | 1.2484% | 2,259 |
| Net interest margin | 3.8248% | 3,671 |
| Noninterest income to average assets | 0.4618% | 4,174 |
| Noninterest expense to average assets | 3.2654% | 2,682 |
| Loan and lease loss provision to assets | 0.0131% | 6,114 |
| Net operating income to assets | 0.3325% | 5,235 |
| Return on assets (ROA) | 0.3402% | 5,347 |
| Pretax return on assets | 0.5220% | 4,988 |
| Return on Equity (ROE) | 2.9012% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.9012% | 4,437 |
| Net charge-offs to loans | 0.4934% | 2,625 |
| Credit loss provision to net charge-offs | 3.9216% | 5,301 |
| Earnings coverage of net charge-offs (x) | 1.5686% | 4,113 |
| Efficiency ratio | 86.1878% | 1,588 |
| Assets per employee ($millions) | 5.0547% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,377 |
| Loan loss allowance to noncurrent loans | 161.0546% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 3.8882% | 1,663 |
| Noncurrent loans to loans | 1.0463% | 4,906 |
| Net loans and leases to total assets | 66.9863% | 2,823 |
| Net loans and leases to deposits | 82.8681% | 2,302 |
| Net loans and leases to core deposits | 87.7791% | 2,669 |
| Total domestic deposits to total assets | 80.8349% | 5,588 |
| Equity capital to assets | 12.1103% | 2,020 |
| Core capital (leverage) ratio | 9.1721% | 4,453 |
| Tier 1 risk-based capital ratio | 12.0129% | 5,779 |
| Total risk-based capital ratio | 13.2659% | 5,741 |
| Memoranda: | ||
| Average total assets | $152,873,330 | 3,805 |
| Average earning assets | $132,974,670 | 3,924 |
| Average equity | $17,923,330 | 3,429 |
| Average total loans | $103,360,000 | 3,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9725% | 3,238 |
| Cost of funding earning assets | 1.2963% | 2,200 |
| Net interest margin | 3.6763% | 4,219 |
| Noninterest income to average assets | 0.4091% | 4,637 |
| Noninterest expense to average assets | 3.1846% | 2,947 |
| Loan and lease loss provision to assets | 0.0261% | 5,638 |
| Net operating income to assets | 0.2606% | 5,580 |
| Return on assets (ROA) | 0.2606% | 5,643 |
| Pretax return on assets | 0.3987% | 5,348 |
| Return on Equity (ROE) | 2.2595% | 5,698 |
| Retained earnings to average equity (ytd only) | 2.2595% | 4,797 |
| Net charge-offs to loans | 1.0215% | 1,334 |
| Credit loss provision to net charge-offs | 3.7879% | 4,441 |
| Earnings coverage of net charge-offs (x) | 0.6174% | 4,167 |
| Efficiency ratio | 88.2310% | 1,484 |
| Assets per employee ($millions) | 5.4624% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 3,430 |
| Loan loss allowance to noncurrent loans | 124.2468% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 3.7567% | 1,799 |
| Noncurrent loans to loans | 1.3475% | 4,464 |
| Net loans and leases to total assets | 64.2135% | 3,400 |
| Net loans and leases to deposits | 78.1392% | 3,037 |
| Net loans and leases to core deposits | 85.2133% | 3,005 |
| Total domestic deposits to total assets | 82.1784% | 5,236 |
| Equity capital to assets | 11.2348% | 2,474 |
| Core capital (leverage) ratio | 9.0531% | 4,524 |
| Tier 1 risk-based capital ratio | 11.8270% | 5,834 |
| Total risk-based capital ratio | 13.0802% | 5,835 |
| Memoranda: | ||
| Average total assets | $153,490,000 | 3,821 |
| Average earning assets | $133,614,000 | 3,943 |
| Average equity | $17,703,000 | 3,450 |
| Average total loans | $103,380,500 | 3,633 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 3,374 |
| Cost of funding earning assets | 1.4260% | 3,094 |
| Net interest margin | 3.8212% | 3,861 |
| Noninterest income to average assets | 0.2763% | 5,804 |
| Noninterest expense to average assets | 3.6887% | 1,728 |
| Loan and lease loss provision to assets | 0.6512% | 2,533 |
| Net operating income to assets | -0.4064% | 6,319 |
| Return on assets (ROA) | -0.3479% | 6,288 |
| Pretax return on assets | -0.5697% | 6,375 |
| Return on Equity (ROE) | -2.6937% | 6,248 |
| Retained earnings to average equity (ytd only) | -2.6937% | 6,065 |
| Net charge-offs to loans | 0.8588% | 2,484 |
| Credit loss provision to net charge-offs | 103.6077% | 4,343 |
| Earnings coverage of net charge-offs (x) | -0.0158% | 6,145 |
| Efficiency ratio | 100.2696% | 764 |
| Assets per employee ($millions) | 5.1231% | 1,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9224% | 2,492 |
| Loan loss allowance to noncurrent loans | 104.5263% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 4.8085% | 1,352 |
| Noncurrent loans to loans | 1.8391% | 3,767 |
| Net loans and leases to total assets | 68.1984% | 2,936 |
| Net loans and leases to deposits | 84.0450% | 2,440 |
| Net loans and leases to core deposits | 90.8474% | 2,640 |
| Total domestic deposits to total assets | 81.1450% | 5,478 |
| Equity capital to assets | 11.8522% | 2,005 |
| Core capital (leverage) ratio | 9.6187% | 3,526 |
| Tier 1 risk-based capital ratio | 11.7438% | 5,695 |
| Total risk-based capital ratio | 13.0055% | 5,690 |
| Memoranda: | ||
| Average total assets | $141,134,200 | 4,037 |
| Average earning assets | $125,665,800 | 4,113 |
| Average equity | $18,227,800 | 3,393 |
| Average total loans | $103,278,400 | 3,700 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 3,448 |
| Cost of funding earning assets | 1.4514% | 3,267 |
| Net interest margin | 3.8292% | 3,849 |
| Noninterest income to average assets | 0.2862% | 5,827 |
| Noninterest expense to average assets | 3.6732% | 1,628 |
| Loan and lease loss provision to assets | 0.6768% | 2,257 |
| Net operating income to assets | -0.3861% | 6,508 |
| Return on assets (ROA) | -0.3169% | 6,491 |
| Pretax return on assets | -0.5208% | 6,569 |
| Return on Equity (ROE) | -2.4008% | 6,443 |
| Retained earnings to average equity (ytd only) | -2.4008% | 6,269 |
| Net charge-offs to loans | 1.0161% | 1,979 |
| Credit loss provision to net charge-offs | 89.8348% | 4,772 |
| Earnings coverage of net charge-offs (x) | 0.0635% | 5,966 |
| Efficiency ratio | 98.7137% | 793 |
| Assets per employee ($millions) | 5.0798% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 2,706 |
| Loan loss allowance to noncurrent loans | 47.3352% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 5.9937% | 992 |
| Noncurrent loans to loans | 3.8547% | 1,979 |
| Net loans and leases to total assets | 70.8928% | 2,517 |
| Net loans and leases to deposits | 89.6397% | 1,767 |
| Net loans and leases to core deposits | 97.8971% | 2,056 |
| Total domestic deposits to total assets | 79.0864% | 6,004 |
| Equity capital to assets | 12.8233% | 1,666 |
| Core capital (leverage) ratio | 10.3372% | 2,876 |
| Tier 1 risk-based capital ratio | 11.8918% | 5,559 |
| Total risk-based capital ratio | 13.1464% | 5,530 |
| Memoranda: | ||
| Average total assets | $139,275,000 | 4,118 |
| Average earning assets | $124,932,750 | 4,186 |
| Average equity | $18,382,500 | 3,411 |
| Average total loans | $103,270,750 | 3,752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 3,841 |
| Cost of funding earning assets | 1.4907% | 3,302 |
| Net interest margin | 3.7308% | 4,228 |
| Noninterest income to average assets | 0.2907% | 5,821 |
| Noninterest expense to average assets | 3.6561% | 1,655 |
| Loan and lease loss provision to assets | 0.8432% | 1,725 |
| Net operating income to assets | -0.5065% | 6,656 |
| Return on assets (ROA) | -0.4917% | 6,682 |
| Pretax return on assets | -0.8012% | 6,786 |
| Return on Equity (ROE) | -3.6896% | 6,588 |
| Retained earnings to average equity (ytd only) | -3.6896% | 6,401 |
| Net charge-offs to loans | 0.9144% | 2,004 |
| Credit loss provision to net charge-offs | 123.2558% | 3,276 |
| Earnings coverage of net charge-offs (x) | 0.0275% | 5,690 |
| Efficiency ratio | 99.4884% | 819 |
| Assets per employee ($millions) | 4.6997% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,171 |
| Loan loss allowance to noncurrent loans | 33.7752% | 6,122 |
| Noncurrent assets plus other real estate owned to assets | 6.6189% | 831 |
| Noncurrent loans to loans | 5.9328% | 1,082 |
| Net loans and leases to total assets | 74.0621% | 1,899 |
| Net loans and leases to deposits | 94.7135% | 1,189 |
| Net loans and leases to core deposits | 103.1263% | 1,722 |
| Total domestic deposits to total assets | 78.1959% | 6,226 |
| Equity capital to assets | 13.4279% | 1,377 |
| Core capital (leverage) ratio | 10.2131% | 2,925 |
| Tier 1 risk-based capital ratio | 12.3100% | 5,032 |
| Total risk-based capital ratio | 13.5678% | 5,004 |
| Memoranda: | ||
| Average total assets | $138,289,000 | 4,170 |
| Average earning assets | $125,441,670 | 4,197 |
| Average equity | $18,430,330 | 3,385 |
| Average total loans | $103,458,670 | 3,788 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 4,235 |
| Cost of funding earning assets | 1.5152% | 3,456 |
| Net interest margin | 3.6464% | 4,509 |
| Noninterest income to average assets | 0.2987% | 5,759 |
| Noninterest expense to average assets | 3.5179% | 1,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0747% | 6,098 |
| Return on assets (ROA) | 0.0747% | 6,206 |
| Pretax return on assets | 0.1120% | 6,102 |
| Return on Equity (ROE) | 0.5623% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.5623% | 5,604 |
| Net charge-offs to loans | -0.0077% | 6,853 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9146% | 977 |
| Assets per employee ($millions) | 5.1731% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,485 |
| Loan loss allowance to noncurrent loans | 28.1237% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 5.2655% | 1,196 |
| Noncurrent loans to loans | 6.7083% | 921 |
| Net loans and leases to total assets | 70.2267% | 2,875 |
| Net loans and leases to deposits | 86.2102% | 2,544 |
| Net loans and leases to core deposits | 92.7883% | 3,003 |
| Total domestic deposits to total assets | 81.4599% | 5,285 |
| Equity capital to assets | 12.7755% | 1,613 |
| Core capital (leverage) ratio | 10.7658% | 2,395 |
| Tier 1 risk-based capital ratio | 12.7308% | 4,531 |
| Total risk-based capital ratio | 13.9866% | 4,491 |
| Memoranda: | ||
| Average total assets | $139,288,000 | 4,208 |
| Average earning assets | $127,248,000 | 4,206 |
| Average equity | $18,495,000 | 3,398 |
| Average total loans | $103,686,000 | 3,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2781% | 5,289 |
| Cost of funding earning assets | 2.0258% | 2,840 |
| Net interest margin | 3.2523% | 5,916 |
| Noninterest income to average assets | -0.0328% | 7,751 |
| Noninterest expense to average assets | 4.1286% | 1,185 |
| Loan and lease loss provision to assets | 2.0703% | 1,029 |
| Net operating income to assets | -2.0367% | 7,108 |
| Return on assets (ROA) | -2.0367% | 7,106 |
| Pretax return on assets | -3.2617% | 7,358 |
| Return on Equity (ROE) | -12.9616% | 6,825 |
| Retained earnings to average equity (ytd only) | -12.9616% | 6,751 |
| Net charge-offs to loans | 2.5474% | 899 |
| Credit loss provision to net charge-offs | 108.6627% | 5,092 |
| Earnings coverage of net charge-offs (x) | -0.6253% | 6,766 |
| Efficiency ratio | 140.5619% | 378 |
| Assets per employee ($millions) | 4.6113% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,300 |
| Loan loss allowance to noncurrent loans | 27.4979% | 6,637 |
| Noncurrent assets plus other real estate owned to assets | 5.7624% | 998 |
| Noncurrent loans to loans | 6.8529% | 837 |
| Net loans and leases to total assets | 76.0798% | 1,778 |
| Net loans and leases to deposits | 98.6551% | 1,037 |
| Net loans and leases to core deposits | 123.9658% | 1,638 |
| Total domestic deposits to total assets | 77.1170% | 6,443 |
| Equity capital to assets | 13.8228% | 1,218 |
| Core capital (leverage) ratio | 11.0853% | 2,184 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,177 |
| Total risk-based capital ratio | 14.2019% | 4,125 |
| Memoranda: | ||
| Average total assets | $124,812,200 | 4,449 |
| Average earning assets | $113,980,000 | 4,451 |
| Average equity | $19,611,800 | 3,264 |
| Average total loans | $93,351,400 | 4,122 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1864% | 5,931 |
| Cost of funding earning assets | 2.1602% | 2,597 |
| Net interest margin | 3.0262% | 6,527 |
| Noninterest income to average assets | -0.1697% | 7,963 |
| Noninterest expense to average assets | 4.1799% | 1,056 |
| Loan and lease loss provision to assets | 2.0905% | 846 |
| Net operating income to assets | -2.2928% | 7,407 |
| Return on assets (ROA) | -2.2928% | 7,400 |
| Pretax return on assets | -3.6731% | 7,634 |
| Return on Equity (ROE) | -14.1282% | 7,140 |
| Retained earnings to average equity (ytd only) | -14.1282% | 7,081 |
| Net charge-offs to loans | 2.0844% | 935 |
| Credit loss provision to net charge-offs | 135.4475% | 3,664 |
| Earnings coverage of net charge-offs (x) | -1.0254% | 6,633 |
| Efficiency ratio | 160.9296% | 265 |
| Assets per employee ($millions) | 4.5563% | 2,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2288% | 1,378 |
| Loan loss allowance to noncurrent loans | 36.8956% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 4.6173% | 1,306 |
| Noncurrent loans to loans | 6.0407% | 973 |
| Net loans and leases to total assets | 74.7330% | 2,307 |
| Net loans and leases to deposits | 94.2944% | 1,838 |
| Net loans and leases to core deposits | 122.1617% | 2,055 |
| Total domestic deposits to total assets | 79.2550% | 5,709 |
| Equity capital to assets | 14.3484% | 1,190 |
| Core capital (leverage) ratio | 11.7580% | 1,932 |
| Tier 1 risk-based capital ratio | 14.0749% | 3,506 |
| Total risk-based capital ratio | 15.3353% | 3,439 |
| Memoranda: | ||
| Average total assets | $122,583,250 | 4,531 |
| Average earning assets | $112,085,000 | 4,535 |
| Average equity | $19,893,500 | 3,254 |
| Average total loans | $90,765,750 | 4,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0586% | 6,585 |
| Cost of funding earning assets | 2.3204% | 2,273 |
| Net interest margin | 2.7381% | 7,127 |
| Noninterest income to average assets | 0.0452% | 7,754 |
| Noninterest expense to average assets | 4.4305% | 835 |
| Loan and lease loss provision to assets | 2.3149% | 691 |
| Net operating income to assets | -2.6265% | 7,597 |
| Return on assets (ROA) | -2.6265% | 7,587 |
| Pretax return on assets | -4.2077% | 7,772 |
| Return on Equity (ROE) | -15.5209% | 7,355 |
| Retained earnings to average equity (ytd only) | -15.5209% | 7,269 |
| Net charge-offs to loans | 0.8929% | 1,912 |
| Credit loss provision to net charge-offs | 354.3590% | 1,308 |
| Earnings coverage of net charge-offs (x) | -2.8974% | 6,402 |
| Efficiency ratio | 174.5875% | 269 |
| Assets per employee ($millions) | 4.5587% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8728% | 632 |
| Loan loss allowance to noncurrent loans | 50.1648% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 5.1730% | 1,004 |
| Noncurrent loans to loans | 5.7268% | 984 |
| Net loans and leases to total assets | 72.5743% | 3,070 |
| Net loans and leases to deposits | 96.8692% | 1,674 |
| Net loans and leases to core deposits | 129.0087% | 1,652 |
| Total domestic deposits to total assets | 74.9199% | 6,778 |
| Equity capital to assets | 15.2104% | 985 |
| Core capital (leverage) ratio | 13.4123% | 1,297 |
| Tier 1 risk-based capital ratio | 15.2186% | 2,926 |
| Total risk-based capital ratio | 16.4856% | 2,851 |
| Memoranda: | ||
| Average total assets | $119,400,000 | 4,654 |
| Average earning assets | $108,687,000 | 4,666 |
| Average equity | $20,205,000 | 3,212 |
| Average total loans | $87,355,000 | 4,348 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 6,938 |
| Cost of funding earning assets | 2.5917% | 1,590 |
| Net interest margin | 2.4041% | 7,608 |
| Noninterest income to average assets | 0.0972% | 7,563 |
| Noninterest expense to average assets | 4.4553% | 745 |
| Loan and lease loss provision to assets | 1.9119% | 636 |
| Net operating income to assets | -2.5538% | 7,777 |
| Return on assets (ROA) | -2.5538% | 7,776 |
| Pretax return on assets | -4.0910% | 7,913 |
| Return on Equity (ROE) | -14.2913% | 7,577 |
| Retained earnings to average equity (ytd only) | -14.2913% | 7,398 |
| Net charge-offs to loans | 1.8717% | 773 |
| Credit loss provision to net charge-offs | 141.2821% | 2,892 |
| Earnings coverage of net charge-offs (x) | -1.6103% | 5,438 |
| Efficiency ratio | 195.7317% | 196 |
| Assets per employee ($millions) | 3.5467% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2222% | 1,053 |
| Loan loss allowance to noncurrent loans | 46.7319% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 5.1985% | 847 |
| Noncurrent loans to loans | 4.7553% | 1,166 |
| Net loans and leases to total assets | 74.0092% | 2,753 |
| Net loans and leases to deposits | 99.0344% | 1,528 |
| Net loans and leases to core deposits | 125.0033% | 1,997 |
| Total domestic deposits to total assets | 74.7308% | 6,758 |
| Equity capital to assets | 17.8256% | 624 |
| Core capital (leverage) ratio | 15.3841% | 888 |
| Tier 1 risk-based capital ratio | 17.6995% | 2,129 |
| Total risk-based capital ratio | 18.9472% | 2,072 |
| Memoranda: | ||
| Average total assets | $115,278,500 | 4,765 |
| Average earning assets | $104,486,500 | 4,791 |
| Average equity | $20,600,000 | 3,167 |
| Average total loans | $83,344,500 | 4,516 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7073% | 6,751 |
| Cost of funding earning assets | 2.7005% | 3,152 |
| Net interest margin | 3.0068% | 6,892 |
| Noninterest income to average assets | 0.2208% | 6,861 |
| Noninterest expense to average assets | 5.8356% | 432 |
| Loan and lease loss provision to assets | 2.0868% | 565 |
| Net operating income to assets | -3.1339% | 7,855 |
| Return on assets (ROA) | -3.1224% | 7,826 |
| Pretax return on assets | -4.9620% | 8,023 |
| Return on Equity (ROE) | -11.6697% | 7,402 |
| Retained earnings to average equity (ytd only) | -11.6697% | 7,222 |
| Net charge-offs to loans | 1.5878% | 720 |
| Credit loss provision to net charge-offs | 179.0937% | 2,821 |
| Earnings coverage of net charge-offs (x) | -2.4830% | 6,736 |
| Efficiency ratio | 198.3279% | 202 |
| Assets per employee ($millions) | 3.9021% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1638% | 987 |
| Loan loss allowance to noncurrent loans | 55.8466% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 4.2661% | 922 |
| Noncurrent loans to loans | 3.8745% | 1,277 |
| Net loans and leases to total assets | 67.5158% | 4,554 |
| Net loans and leases to deposits | 90.3269% | 3,398 |
| Net loans and leases to core deposits | 108.4378% | 3,916 |
| Total domestic deposits to total assets | 74.7461% | 6,508 |
| Equity capital to assets | 17.9126% | 659 |
| Core capital (leverage) ratio | 16.4876% | 762 |
| Tier 1 risk-based capital ratio | 19.6346% | 1,678 |
| Total risk-based capital ratio | 20.8925% | 1,636 |
| Memoranda: | ||
| Average total assets | $83,333,600 | 5,585 |
| Average earning assets | $75,429,800 | 5,612 |
| Average equity | $22,297,000 | 2,936 |
| Average total loans | $61,154,800 | 5,214 |