Home > Integrity First Bank > Performance and Condition Ratios
Integrity First Bank, Performance and Condition Ratios
| 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 | 5.2919% | 324 |
| Cost of funding earning assets | 0.6413% | 1,122 |
| Net interest margin | 4.6507% | 407 |
| Noninterest income to average assets | 0.4621% | 3,236 |
| Noninterest expense to average assets | 4.4414% | 351 |
| Loan and lease loss provision to assets | -0.6275% | 5,838 |
| Net operating income to assets | 0.3794% | 5,006 |
| Return on assets (ROA) | 0.3794% | 5,029 |
| Pretax return on assets | 0.5643% | 4,807 |
| Return on Equity (ROE) | 2.5183% | 5,225 |
| Retained earnings to average equity (ytd only) | -8.1359% | 5,527 |
| Net charge-offs to loans | -0.3852% | 5,715 |
| Credit loss provision to net charge-offs | 208.0645% | 996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4444% | 206 |
| Assets per employee ($millions) | 5.5196% | 1,870 |
| Cash dividends to net income (ytd only)* | 423.0769% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 2,004 |
| Loan loss allowance to noncurrent loans | 92.2211% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 1,145 |
| Noncurrent loans to loans | 1.5375% | 1,284 |
| Net loans and leases to total assets | 75.6625% | 1,465 |
| Net loans and leases to deposits | 97.5490% | 808 |
| Net loans and leases to core deposits | 125.0579% | 343 |
| Total domestic deposits to total assets | 77.5636% | 5,031 |
| Equity capital to assets | 14.8115% | 690 |
| Core capital (leverage) ratio | 12.1207% | 1,553 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,193 |
| Total risk-based capital ratio | 15.7710% | 3,121 |
| Memoranda: | ||
| Average total assets | $82,227,000 | 4,669 |
| Average earning assets | $69,237,500 | 4,806 |
| Average equity | $12,389,500 | 4,149 |
| Average total loans | $64,389,000 | 4,174 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 415 |
| Cost of funding earning assets | 0.6048% | 1,300 |
| Net interest margin | 4.5998% | 511 |
| Noninterest income to average assets | 0.5784% | 2,769 |
| Noninterest expense to average assets | 3.1091% | 2,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8080% | 3,269 |
| Return on assets (ROA) | 0.8080% | 3,376 |
| Pretax return on assets | 1.3544% | 2,083 |
| Return on Equity (ROE) | 5.3513% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.0172% | 3,756 |
| Net charge-offs to loans | -0.1023% | 5,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6561% | 2,968 |
| Assets per employee ($millions) | 5.4440% | 1,913 |
| Cash dividends to net income (ytd only)* | 43.6170% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 4,228 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.6983% | 1,091 |
| Net loans and leases to deposits | 101.9837% | 535 |
| Net loans and leases to core deposits | 128.9685% | 299 |
| Total domestic deposits to total assets | 77.1675% | 5,097 |
| Equity capital to assets | 15.3270% | 594 |
| Core capital (leverage) ratio | 11.8495% | 1,693 |
| Tier 1 risk-based capital ratio | 14.8937% | 3,014 |
| Total risk-based capital ratio | 16.1667% | 2,941 |
| Memoranda: | ||
| Average total assets | $81,438,200 | 4,711 |
| Average earning assets | $68,785,200 | 4,832 |
| Average equity | $12,296,000 | 4,208 |
| Average total loans | $62,537,000 | 4,210 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1353% | 467 |
| Cost of funding earning assets | 0.5949% | 1,372 |
| Net interest margin | 4.5404% | 571 |
| Noninterest income to average assets | 0.5505% | 2,916 |
| Noninterest expense to average assets | 2.9653% | 2,415 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9273% | 2,769 |
| Return on assets (ROA) | 0.9273% | 2,895 |
| Pretax return on assets | 1.4237% | 1,955 |
| Return on Equity (ROE) | 6.1649% | 3,991 |
| Retained earnings to average equity (ytd only) | 3.0389% | 4,091 |
| Net charge-offs to loans | -0.0151% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5625% | 3,307 |
| Assets per employee ($millions) | 5.1650% | 2,167 |
| Cash dividends to net income (ytd only)* | 50.7070% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3811% | 2,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 4,398 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.7137% | 1,080 |
| Net loans and leases to deposits | 101.6105% | 599 |
| Net loans and leases to core deposits | 118.2129% | 566 |
| Total domestic deposits to total assets | 77.4661% | 5,004 |
| Equity capital to assets | 15.0774% | 720 |
| Core capital (leverage) ratio | 12.0105% | 1,673 |
| Tier 1 risk-based capital ratio | 14.2661% | 3,420 |
| Total risk-based capital ratio | 15.5377% | 3,337 |
| Memoranda: | ||
| Average total assets | $81,382,750 | 4,750 |
| Average earning assets | $68,803,500 | 4,867 |
| Average equity | $12,241,000 | 4,250 |
| Average total loans | $61,863,000 | 4,265 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 520 |
| Cost of funding earning assets | 0.6047% | 1,280 |
| Net interest margin | 4.4608% | 672 |
| Noninterest income to average assets | 0.5854% | 2,693 |
| Noninterest expense to average assets | 3.0063% | 2,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8918% | 2,901 |
| Return on assets (ROA) | 0.8918% | 3,027 |
| Pretax return on assets | 1.3512% | 2,198 |
| Return on Equity (ROE) | 5.9336% | 4,079 |
| Retained earnings to average equity (ytd only) | 1.2163% | 4,894 |
| Net charge-offs to loans | 0.1223% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 14.7838% | 2,039 |
| Efficiency ratio | 68.9909% | 3,151 |
| Assets per employee ($millions) | 5.1263% | 2,167 |
| Cash dividends to net income (ytd only)* | 79.5014% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 2,191 |
| Loan loss allowance to noncurrent loans | 614.8936% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,769 |
| Noncurrent loans to loans | 0.2317% | 4,513 |
| Net loans and leases to total assets | 73.1435% | 1,996 |
| Net loans and leases to deposits | 94.2945% | 1,261 |
| Net loans and leases to core deposits | 110.2488% | 919 |
| Total domestic deposits to total assets | 77.5692% | 5,072 |
| Equity capital to assets | 14.9462% | 737 |
| Core capital (leverage) ratio | 11.8462% | 1,731 |
| Tier 1 risk-based capital ratio | 14.7179% | 3,197 |
| Total risk-based capital ratio | 15.9927% | 3,132 |
| Memoranda: | ||
| Average total assets | $80,963,670 | 4,792 |
| Average earning assets | $68,463,000 | 4,922 |
| Average equity | $12,168,000 | 4,290 |
| Average total loans | $60,497,330 | 4,326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 573 |
| Cost of funding earning assets | 0.6191% | 1,222 |
| Net interest margin | 4.3868% | 761 |
| Noninterest income to average assets | 0.4177% | 3,700 |
| Noninterest expense to average assets | 2.8495% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8404% | 3,030 |
| Return on assets (ROA) | 0.8404% | 3,162 |
| Pretax return on assets | 1.2681% | 2,431 |
| Return on Equity (ROE) | 5.5764% | 4,188 |
| Retained earnings to average equity (ytd only) | -3.8936% | 5,543 |
| Net charge-offs to loans | 0.1724% | 1,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.8077% | 1,962 |
| Efficiency ratio | 69.2029% | 3,266 |
| Assets per employee ($millions) | 4.8260% | 2,541 |
| Cash dividends to net income (ytd only)* | 169.8225% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 2,199 |
| Loan loss allowance to noncurrent loans | 589.2617% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 3,809 |
| Noncurrent loans to loans | 0.2462% | 4,549 |
| Net loans and leases to total assets | 72.7006% | 1,918 |
| Net loans and leases to deposits | 93.8375% | 1,161 |
| Net loans and leases to core deposits | 109.1100% | 897 |
| Total domestic deposits to total assets | 77.4750% | 5,222 |
| Equity capital to assets | 14.7071% | 771 |
| Core capital (leverage) ratio | 11.5549% | 1,938 |
| Tier 1 risk-based capital ratio | 14.3035% | 3,493 |
| Total risk-based capital ratio | 15.5796% | 3,406 |
| Memoranda: | ||
| Average total assets | $80,435,000 | 4,846 |
| Average earning assets | $67,839,500 | 4,981 |
| Average equity | $12,122,500 | 4,314 |
| Average total loans | $60,316,000 | 4,359 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 593 |
| Cost of funding earning assets | 0.5960% | 1,390 |
| Net interest margin | 4.4304% | 747 |
| Noninterest income to average assets | 0.4985% | 3,336 |
| Noninterest expense to average assets | 3.3345% | 1,638 |
| Loan and lease loss provision to assets | 0.1049% | 2,230 |
| Net operating income to assets | 5.1329% | 43 |
| Return on assets (ROA) | 5.1329% | 42 |
| Pretax return on assets | 0.9104% | 3,794 |
| Return on Equity (ROE) | 36.9200% | 35 |
| Retained earnings to average equity (ytd only) | 36.9200% | 15 |
| Net charge-offs to loans | 0.4347% | 636 |
| Credit loss provision to net charge-offs | 31.8725% | 3,623 |
| Earnings coverage of net charge-offs (x) | 3.0837% | 3,780 |
| Efficiency ratio | 76.6586% | 2,168 |
| Assets per employee ($millions) | 5.6306% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5039% | 1,982 |
| Loan loss allowance to noncurrent loans | 325.1799% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 3,737 |
| Noncurrent loans to loans | 0.4625% | 3,812 |
| Net loans and leases to total assets | 75.1066% | 1,552 |
| Net loans and leases to deposits | 97.8919% | 827 |
| Net loans and leases to core deposits | 113.4891% | 708 |
| Total domestic deposits to total assets | 76.7240% | 5,365 |
| Equity capital to assets | 15.4501% | 608 |
| Core capital (leverage) ratio | 11.4507% | 2,002 |
| Tier 1 risk-based capital ratio | 14.4353% | 3,476 |
| Total risk-based capital ratio | 15.7250% | 3,367 |
| Memoranda: | ||
| Average total assets | $76,234,000 | 4,944 |
| Average earning assets | $66,270,000 | 5,035 |
| Average equity | $10,598,600 | 4,553 |
| Average total loans | $57,734,800 | 4,433 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 716 |
| Cost of funding earning assets | 0.5936% | 1,444 |
| Net interest margin | 4.3385% | 890 |
| Noninterest income to average assets | 0.4710% | 3,562 |
| Noninterest expense to average assets | 3.2386% | 1,855 |
| Loan and lease loss provision to assets | 0.0794% | 2,585 |
| Net operating income to assets | 6.7207% | 31 |
| Return on assets (ROA) | 6.7207% | 31 |
| Pretax return on assets | 0.9561% | 3,795 |
| Return on Equity (ROE) | 49.7856% | 15 |
| Retained earnings to average equity (ytd only) | 49.7856% | 5 |
| Net charge-offs to loans | 0.6137% | 365 |
| Credit loss provision to net charge-offs | 17.1103% | 3,385 |
| Earnings coverage of net charge-offs (x) | 2.2319% | 3,704 |
| Efficiency ratio | 75.7738% | 2,278 |
| Assets per employee ($millions) | 4.9109% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 2,331 |
| Loan loss allowance to noncurrent loans | 1,098.7179% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,284 |
| Noncurrent loans to loans | 0.1328% | 5,101 |
| Net loans and leases to total assets | 73.6656% | 1,794 |
| Net loans and leases to deposits | 95.9360% | 1,009 |
| Net loans and leases to core deposits | 103.9697% | 1,229 |
| Total domestic deposits to total assets | 76.7862% | 5,378 |
| Equity capital to assets | 15.3817% | 665 |
| Core capital (leverage) ratio | 11.9586% | 1,694 |
| Tier 1 risk-based capital ratio | 14.8629% | 3,362 |
| Total risk-based capital ratio | 16.1548% | 3,292 |
| Memoranda: | ||
| Average total assets | $75,585,500 | 5,011 |
| Average earning assets | $66,258,250 | 5,097 |
| Average equity | $10,203,500 | 4,676 |
| Average total loans | $57,141,250 | 4,500 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 762 |
| Cost of funding earning assets | 0.6039% | 1,385 |
| Net interest margin | 4.2788% | 965 |
| Noninterest income to average assets | 0.5068% | 3,329 |
| Noninterest expense to average assets | 3.2793% | 1,763 |
| Loan and lease loss provision to assets | 0.0804% | 2,501 |
| Net operating income to assets | 9.8808% | 23 |
| Return on assets (ROA) | 9.8808% | 23 |
| Pretax return on assets | 0.9465% | 3,783 |
| Return on Equity (ROE) | 76.9632% | 11 |
| Retained earnings to average equity (ytd only) | 76.9632% | 4 |
| Net charge-offs to loans | 0.9539% | 217 |
| Credit loss provision to net charge-offs | 11.1111% | 3,089 |
| Earnings coverage of net charge-offs (x) | 1.4185% | 3,519 |
| Efficiency ratio | 76.1519% | 2,328 |
| Assets per employee ($millions) | 4.7786% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,345 |
| Loan loss allowance to noncurrent loans | 948.8636% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 4,224 |
| Noncurrent loans to loans | 0.1569% | 5,123 |
| Net loans and leases to total assets | 72.2772% | 1,935 |
| Net loans and leases to deposits | 97.5981% | 827 |
| Net loans and leases to core deposits | 107.1261% | 1,018 |
| Total domestic deposits to total assets | 74.0560% | 5,788 |
| Equity capital to assets | 15.6441% | 578 |
| Core capital (leverage) ratio | 12.3212% | 1,472 |
| Tier 1 risk-based capital ratio | 15.2852% | 3,208 |
| Total risk-based capital ratio | 16.5809% | 3,124 |
| Memoranda: | ||
| Average total assets | $74,589,330 | 5,085 |
| Average earning assets | $66,233,670 | 5,148 |
| Average equity | $9,576,000 | 4,826 |
| Average total loans | $56,608,670 | 4,555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8879% | 718 |
| Cost of funding earning assets | 0.6020% | 1,423 |
| Net interest margin | 4.2860% | 904 |
| Noninterest income to average assets | 0.4725% | 3,488 |
| Noninterest expense to average assets | 3.1552% | 2,108 |
| Loan and lease loss provision to assets | 0.0815% | 2,339 |
| Net operating income to assets | 1.1024% | 1,865 |
| Return on assets (ROA) | 1.1024% | 1,967 |
| Pretax return on assets | 1.1024% | 3,066 |
| Return on Equity (ROE) | 9.6857% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.6857% | 996 |
| Net charge-offs to loans | 0.4924% | 510 |
| Credit loss provision to net charge-offs | 21.4286% | 2,348 |
| Earnings coverage of net charge-offs (x) | 3.1143% | 2,649 |
| Efficiency ratio | 72.7159% | 3,047 |
| Assets per employee ($millions) | 4.9324% | 2,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8139% | 1,469 |
| Loan loss allowance to noncurrent loans | 243.4368% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 3,295 |
| Noncurrent loans to loans | 0.7451% | 3,399 |
| Net loans and leases to total assets | 74.6263% | 1,412 |
| Net loans and leases to deposits | 95.8293% | 838 |
| Net loans and leases to core deposits | 105.4589% | 973 |
| Total domestic deposits to total assets | 77.8742% | 5,474 |
| Equity capital to assets | 11.4670% | 2,496 |
| Core capital (leverage) ratio | 11.4592% | 2,034 |
| Tier 1 risk-based capital ratio | 15.0542% | 3,403 |
| Total risk-based capital ratio | 16.3108% | 3,322 |
| Memoranda: | ||
| Average total assets | $73,655,500 | 5,158 |
| Average earning assets | $66,449,500 | 5,182 |
| Average equity | $8,383,500 | 5,118 |
| Average total loans | $56,865,000 | 4,582 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8257% | 1,061 |
| Cost of funding earning assets | 0.6857% | 1,175 |
| Net interest margin | 4.1400% | 1,463 |
| Noninterest income to average assets | 0.3249% | 4,798 |
| Noninterest expense to average assets | 3.4661% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5222% | 4,718 |
| Return on assets (ROA) | 0.5222% | 4,807 |
| Pretax return on assets | 0.5222% | 5,192 |
| Return on Equity (ROE) | 4.8243% | 4,758 |
| Retained earnings to average equity (ytd only) | 4.8243% | 2,739 |
| Net charge-offs to loans | -0.0550% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9068% | 1,091 |
| Assets per employee ($millions) | 4.8883% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 1,380 |
| Loan loss allowance to noncurrent loans | 129.5181% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 2,168 |
| Noncurrent loans to loans | 1.4436% | 2,040 |
| Net loans and leases to total assets | 76.9478% | 1,136 |
| Net loans and leases to deposits | 98.6675% | 709 |
| Net loans and leases to core deposits | 108.7401% | 842 |
| Total domestic deposits to total assets | 77.9870% | 5,440 |
| Equity capital to assets | 11.2963% | 2,604 |
| Core capital (leverage) ratio | 11.2898% | 2,146 |
| Tier 1 risk-based capital ratio | 14.4303% | 3,815 |
| Total risk-based capital ratio | 15.6872% | 3,749 |
| Memoranda: | ||
| Average total assets | $74,492,400 | 5,183 |
| Average earning assets | $65,918,000 | 5,229 |
| Average equity | $8,063,400 | 5,187 |
| Average total loans | $54,574,200 | 4,671 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7799% | 1,144 |
| Cost of funding earning assets | 0.7126% | 1,092 |
| Net interest margin | 4.0673% | 1,671 |
| Noninterest income to average assets | 0.3084% | 4,973 |
| Noninterest expense to average assets | 3.4302% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4243% | 5,158 |
| Return on assets (ROA) | 0.4243% | 5,239 |
| Pretax return on assets | 0.4600% | 5,433 |
| Return on Equity (ROE) | 3.9624% | 5,185 |
| Retained earnings to average equity (ytd only) | 3.9624% | 3,829 |
| Net charge-offs to loans | -0.0396% | 5,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1760% | 987 |
| Assets per employee ($millions) | 4.9199% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 1,260 |
| Loan loss allowance to noncurrent loans | 136.5508% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.8117% | 1,634 |
| Noncurrent loans to loans | 1.4639% | 2,225 |
| Net loans and leases to total assets | 70.4833% | 2,116 |
| Net loans and leases to deposits | 86.3795% | 1,864 |
| Net loans and leases to core deposits | 92.8608% | 1,967 |
| Total domestic deposits to total assets | 81.5973% | 4,629 |
| Equity capital to assets | 11.0340% | 2,921 |
| Core capital (leverage) ratio | 10.9874% | 2,502 |
| Tier 1 risk-based capital ratio | 14.7449% | 3,738 |
| Total risk-based capital ratio | 16.0040% | 3,673 |
| Memoranda: | ||
| Average total assets | $74,784,250 | 5,235 |
| Average earning assets | $65,857,250 | 5,288 |
| Average equity | $8,008,500 | 5,240 |
| Average total loans | $53,843,500 | 4,736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8218% | 1,035 |
| Cost of funding earning assets | 0.7313% | 1,017 |
| Net interest margin | 4.0905% | 1,544 |
| Noninterest income to average assets | 0.2290% | 5,568 |
| Noninterest expense to average assets | 3.5041% | 1,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2822% | 5,625 |
| Return on assets (ROA) | 0.2822% | 5,695 |
| Pretax return on assets | 0.3142% | 5,760 |
| Return on Equity (ROE) | 2.6621% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.6621% | 4,510 |
| Net charge-offs to loans | -0.1590% | 6,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7713% | 778 |
| Assets per employee ($millions) | 4.7098% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0411% | 1,291 |
| Loan loss allowance to noncurrent loans | 133.4969% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 2.1511% | 1,429 |
| Noncurrent loans to loans | 1.5289% | 2,273 |
| Net loans and leases to total assets | 69.2938% | 2,188 |
| Net loans and leases to deposits | 86.9009% | 1,724 |
| Net loans and leases to core deposits | 92.8335% | 1,874 |
| Total domestic deposits to total assets | 79.7388% | 5,298 |
| Equity capital to assets | 10.6481% | 3,260 |
| Core capital (leverage) ratio | 10.8286% | 2,597 |
| Tier 1 risk-based capital ratio | 14.4674% | 3,947 |
| Total risk-based capital ratio | 15.7268% | 3,886 |
| Memoranda: | ||
| Average total assets | $75,112,670 | 5,269 |
| Average earning assets | $65,908,670 | 5,324 |
| Average equity | $7,963,670 | 5,278 |
| Average total loans | $54,099,000 | 4,745 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 1,329 |
| Cost of funding earning assets | 0.7548% | 952 |
| Net interest margin | 3.9140% | 2,043 |
| Noninterest income to average assets | 0.2934% | 5,027 |
| Noninterest expense to average assets | 3.6324% | 1,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0480% | 6,137 |
| Return on assets (ROA) | 0.0480% | 6,155 |
| Pretax return on assets | 0.0907% | 6,095 |
| Return on Equity (ROE) | 0.4538% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.4538% | 5,399 |
| Net charge-offs to loans | -0.2716% | 6,459 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5645% | 562 |
| Assets per employee ($millions) | 4.9629% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0069% | 1,506 |
| Loan loss allowance to noncurrent loans | 90.0166% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 3.4281% | 770 |
| Noncurrent loans to loans | 2.2294% | 1,621 |
| Net loans and leases to total assets | 70.9701% | 1,726 |
| Net loans and leases to deposits | 89.1080% | 1,241 |
| Net loans and leases to core deposits | 95.2684% | 1,446 |
| Total domestic deposits to total assets | 79.6451% | 5,557 |
| Equity capital to assets | 10.6550% | 3,089 |
| Core capital (leverage) ratio | 10.3620% | 3,100 |
| Tier 1 risk-based capital ratio | 14.0639% | 4,287 |
| Total risk-based capital ratio | 15.3231% | 4,222 |
| Memoranda: | ||
| Average total assets | $74,991,000 | 5,319 |
| Average earning assets | $65,712,000 | 5,383 |
| Average equity | $7,933,500 | 5,322 |
| Average total loans | $54,496,000 | 4,775 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,253 |
| Cost of funding earning assets | 0.9911% | 466 |
| Net interest margin | 3.8402% | 2,502 |
| Noninterest income to average assets | 0.3196% | 5,049 |
| Noninterest expense to average assets | 3.3074% | 2,121 |
| Loan and lease loss provision to assets | 0.0950% | 3,222 |
| Net operating income to assets | 0.2431% | 5,708 |
| Return on assets (ROA) | 0.2431% | 5,776 |
| Pretax return on assets | 0.3172% | 5,683 |
| Return on Equity (ROE) | 2.4734% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.4734% | 4,494 |
| Net charge-offs to loans | 1.7478% | 243 |
| Credit loss provision to net charge-offs | 7.5564% | 4,616 |
| Earnings coverage of net charge-offs (x) | 0.3278% | 4,974 |
| Efficiency ratio | 88.9184% | 1,115 |
| Assets per employee ($millions) | 4.7211% | 2,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 1,787 |
| Loan loss allowance to noncurrent loans | 84.8214% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 3.6419% | 779 |
| Noncurrent loans to loans | 2.2369% | 1,735 |
| Net loans and leases to total assets | 71.5296% | 1,766 |
| Net loans and leases to deposits | 89.4807% | 1,282 |
| Net loans and leases to core deposits | 95.5372% | 1,486 |
| Total domestic deposits to total assets | 79.9386% | 5,455 |
| Equity capital to assets | 10.5046% | 3,150 |
| Core capital (leverage) ratio | 10.0871% | 3,453 |
| Tier 1 risk-based capital ratio | 13.5690% | 4,601 |
| Total risk-based capital ratio | 14.8250% | 4,546 |
| Memoranda: | ||
| Average total assets | $81,030,000 | 5,216 |
| Average earning assets | $71,740,200 | 5,264 |
| Average equity | $7,964,600 | 5,350 |
| Average total loans | $58,302,800 | 4,672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8251% | 1,293 |
| Cost of funding earning assets | 1.0404% | 404 |
| Net interest margin | 3.7846% | 2,702 |
| Noninterest income to average assets | 0.3139% | 5,194 |
| Noninterest expense to average assets | 3.2182% | 2,308 |
| Loan and lease loss provision to assets | 0.1246% | 2,737 |
| Net operating income to assets | 0.2556% | 5,765 |
| Return on assets (ROA) | 0.2556% | 5,863 |
| Pretax return on assets | 0.3317% | 5,794 |
| Return on Equity (ROE) | 2.6425% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.6425% | 4,746 |
| Net charge-offs to loans | 1.1165% | 504 |
| Credit loss provision to net charge-offs | 15.5556% | 4,139 |
| Earnings coverage of net charge-offs (x) | 0.5697% | 4,669 |
| Efficiency ratio | 87.5826% | 1,204 |
| Assets per employee ($millions) | 4.9830% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7722% | 690 |
| Loan loss allowance to noncurrent loans | 78.7651% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 4.7060% | 619 |
| Noncurrent loans to loans | 3.5196% | 1,078 |
| Net loans and leases to total assets | 69.0197% | 2,140 |
| Net loans and leases to deposits | 85.3544% | 1,696 |
| Net loans and leases to core deposits | 90.7259% | 1,899 |
| Total domestic deposits to total assets | 80.8624% | 5,250 |
| Equity capital to assets | 10.0015% | 3,902 |
| Core capital (leverage) ratio | 9.8135% | 3,936 |
| Tier 1 risk-based capital ratio | 13.2506% | 4,939 |
| Total risk-based capital ratio | 14.5180% | 4,868 |
| Memoranda: | ||
| Average total assets | $82,403,000 | 5,232 |
| Average earning assets | $73,171,500 | 5,268 |
| Average equity | $7,972,000 | 5,396 |
| Average total loans | $59,109,250 | 4,676 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 1,401 |
| Cost of funding earning assets | 1.0748% | 375 |
| Net interest margin | 3.6933% | 2,981 |
| Noninterest income to average assets | 0.4778% | 3,974 |
| Noninterest expense to average assets | 3.0830% | 2,716 |
| Loan and lease loss provision to assets | 0.1849% | 2,044 |
| Net operating income to assets | 0.4394% | 5,063 |
| Return on assets (ROA) | 0.4394% | 5,229 |
| Pretax return on assets | 0.5186% | 5,310 |
| Return on Equity (ROE) | 4.5915% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.5915% | 3,346 |
| Net charge-offs to loans | 1.6648% | 297 |
| Credit loss provision to net charge-offs | 15.4309% | 3,823 |
| Earnings coverage of net charge-offs (x) | 0.5872% | 4,339 |
| Efficiency ratio | 81.4204% | 1,972 |
| Assets per employee ($millions) | 4.7632% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7170% | 778 |
| Loan loss allowance to noncurrent loans | 109.1353% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 3.5258% | 1,088 |
| Noncurrent loans to loans | 2.4895% | 1,865 |
| Net loans and leases to total assets | 69.2025% | 2,033 |
| Net loans and leases to deposits | 85.3076% | 1,646 |
| Net loans and leases to core deposits | 93.3094% | 1,589 |
| Total domestic deposits to total assets | 81.1211% | 5,308 |
| Equity capital to assets | 9.9056% | 4,042 |
| Core capital (leverage) ratio | 9.7059% | 3,928 |
| Tier 1 risk-based capital ratio | 13.2851% | 4,928 |
| Total risk-based capital ratio | 14.5517% | 4,858 |
| Memoranda: | ||
| Average total assets | $83,294,670 | 5,241 |
| Average earning assets | $74,621,000 | 5,261 |
| Average equity | $7,971,330 | 5,436 |
| Average total loans | $59,946,670 | 4,675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,310 |
| Cost of funding earning assets | 1.1303% | 316 |
| Net interest margin | 3.6591% | 3,041 |
| Noninterest income to average assets | 0.7104% | 2,534 |
| Noninterest expense to average assets | 2.9602% | 3,117 |
| Loan and lease loss provision to assets | 0.3647% | 886 |
| Net operating income to assets | 0.6299% | 4,081 |
| Return on assets (ROA) | 0.6299% | 4,233 |
| Pretax return on assets | 0.6820% | 4,652 |
| Return on Equity (ROE) | 6.6948% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.6948% | 2,316 |
| Net charge-offs to loans | 0.9620% | 636 |
| Credit loss provision to net charge-offs | 52.3810% | 2,567 |
| Earnings coverage of net charge-offs (x) | 1.5034% | 3,326 |
| Efficiency ratio | 73.8771% | 3,289 |
| Assets per employee ($millions) | 4.9529% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2333% | 527 |
| Loan loss allowance to noncurrent loans | 122.5703% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 2.4015% | 1,933 |
| Noncurrent loans to loans | 2.6379% | 1,951 |
| Net loans and leases to total assets | 68.1386% | 1,984 |
| Net loans and leases to deposits | 83.1997% | 1,683 |
| Net loans and leases to core deposits | 93.9231% | 1,350 |
| Total domestic deposits to total assets | 81.8976% | 5,226 |
| Equity capital to assets | 9.5061% | 4,841 |
| Core capital (leverage) ratio | 9.2951% | 4,407 |
| Tier 1 risk-based capital ratio | 13.1561% | 5,099 |
| Total risk-based capital ratio | 14.4301% | 5,034 |
| Memoranda: | ||
| Average total assets | $84,455,000 | 5,250 |
| Average earning assets | $76,084,500 | 5,264 |
| Average equity | $7,946,500 | 5,497 |
| Average total loans | $61,119,500 | 4,666 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 1,319 |
| Cost of funding earning assets | 1.6744% | 79 |
| Net interest margin | 3.4245% | 4,799 |
| Noninterest income to average assets | 0.5158% | 3,804 |
| Noninterest expense to average assets | 3.1077% | 2,897 |
| Loan and lease loss provision to assets | 0.1691% | 3,508 |
| Net operating income to assets | 0.2399% | 5,664 |
| Return on assets (ROA) | 0.3112% | 5,632 |
| Pretax return on assets | 0.4060% | 5,561 |
| Return on Equity (ROE) | 3.8837% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.8837% | 3,461 |
| Net charge-offs to loans | 1.4113% | 647 |
| Credit loss provision to net charge-offs | 16.8817% | 5,314 |
| Earnings coverage of net charge-offs (x) | 0.4817% | 5,248 |
| Efficiency ratio | 86.5627% | 1,375 |
| Assets per employee ($millions) | 4.9830% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1565% | 576 |
| Loan loss allowance to noncurrent loans | 115.1884% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 2.5428% | 1,913 |
| Noncurrent loans to loans | 2.7403% | 1,932 |
| Net loans and leases to total assets | 71.9659% | 1,494 |
| Net loans and leases to deposits | 87.5490% | 1,324 |
| Net loans and leases to core deposits | 98.6856% | 1,096 |
| Total domestic deposits to total assets | 82.2007% | 5,031 |
| Equity capital to assets | 9.3128% | 5,137 |
| Core capital (leverage) ratio | 9.0696% | 4,783 |
| Tier 1 risk-based capital ratio | 12.6388% | 5,373 |
| Total risk-based capital ratio | 13.9134% | 5,295 |
| Memoranda: | ||
| Average total assets | $92,865,000 | 5,002 |
| Average earning assets | $83,370,800 | 5,030 |
| Average equity | $7,441,400 | 5,655 |
| Average total loans | $65,895,800 | 4,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 1,476 |
| Cost of funding earning assets | 1.8181% | 52 |
| Net interest margin | 3.2608% | 5,512 |
| Noninterest income to average assets | 0.5001% | 3,927 |
| Noninterest expense to average assets | 3.0233% | 3,159 |
| Loan and lease loss provision to assets | 0.0562% | 5,032 |
| Net operating income to assets | 0.3203% | 5,544 |
| Return on assets (ROA) | 0.3203% | 5,750 |
| Pretax return on assets | 0.3484% | 5,847 |
| Return on Equity (ROE) | 4.1475% | 5,235 |
| Retained earnings to average equity (ytd only) | 4.1475% | 3,982 |
| Net charge-offs to loans | 1.7188% | 472 |
| Credit loss provision to net charge-offs | 4.6566% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.3353% | 5,155 |
| Efficiency ratio | 88.1967% | 1,172 |
| Assets per employee ($millions) | 4.9961% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0087% | 703 |
| Loan loss allowance to noncurrent loans | 131.5041% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.5509% | 2,068 |
| Noncurrent loans to loans | 2.2879% | 2,526 |
| Net loans and leases to total assets | 69.5786% | 1,997 |
| Net loans and leases to deposits | 85.9411% | 1,608 |
| Net loans and leases to core deposits | 98.4781% | 1,230 |
| Total domestic deposits to total assets | 80.9607% | 5,368 |
| Equity capital to assets | 8.8202% | 6,004 |
| Core capital (leverage) ratio | 8.4746% | 5,785 |
| Tier 1 risk-based capital ratio | 11.8888% | 6,000 |
| Total risk-based capital ratio | 13.1609% | 5,979 |
| Memoranda: | ||
| Average total assets | $94,903,500 | 5,015 |
| Average earning assets | $85,213,500 | 5,038 |
| Average equity | $7,329,500 | 5,738 |
| Average total loans | $66,632,250 | 4,520 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0985% | 1,506 |
| Cost of funding earning assets | 1.9530% | 45 |
| Net interest margin | 3.1455% | 5,875 |
| Noninterest income to average assets | 0.5613% | 3,519 |
| Noninterest expense to average assets | 3.0592% | 3,052 |
| Loan and lease loss provision to assets | -0.0083% | 7,025 |
| Net operating income to assets | 0.3128% | 5,574 |
| Return on assets (ROA) | 0.3128% | 5,779 |
| Pretax return on assets | 0.3293% | 5,898 |
| Return on Equity (ROE) | 4.2364% | 5,161 |
| Retained earnings to average equity (ytd only) | 4.2364% | 3,792 |
| Net charge-offs to loans | 1.4405% | 702 |
| Credit loss provision to net charge-offs | -0.8247% | 5,902 |
| Earnings coverage of net charge-offs (x) | 0.3196% | 4,919 |
| Efficiency ratio | 90.5025% | 1,040 |
| Assets per employee ($millions) | 5.1858% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4090% | 538 |
| Loan loss allowance to noncurrent loans | 123.5710% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 2.6922% | 2,050 |
| Noncurrent loans to loans | 2.7587% | 2,178 |
| Net loans and leases to total assets | 68.9053% | 2,117 |
| Net loans and leases to deposits | 84.3550% | 1,808 |
| Net loans and leases to core deposits | 102.6443% | 943 |
| Total domestic deposits to total assets | 81.6850% | 5,238 |
| Equity capital to assets | 8.4355% | 6,269 |
| Core capital (leverage) ratio | 8.0281% | 6,243 |
| Tier 1 risk-based capital ratio | 11.4949% | 6,219 |
| Total risk-based capital ratio | 12.7721% | 6,180 |
| Memoranda: | ||
| Average total assets | $96,561,330 | 4,994 |
| Average earning assets | $86,535,330 | 5,033 |
| Average equity | $7,128,670 | 5,808 |
| Average total loans | $67,338,670 | 4,509 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2762% | 1,151 |
| Cost of funding earning assets | 2.0209% | 43 |
| Net interest margin | 3.2553% | 5,621 |
| Noninterest income to average assets | 0.4319% | 4,440 |
| Noninterest expense to average assets | 3.2841% | 2,338 |
| Loan and lease loss provision to assets | -0.1263% | 7,190 |
| Net operating income to assets | 0.1752% | 6,054 |
| Return on assets (ROA) | 0.1752% | 6,196 |
| Pretax return on assets | 0.1752% | 6,243 |
| Return on Equity (ROE) | 2.5459% | 5,885 |
| Retained earnings to average equity (ytd only) | 2.5459% | 4,982 |
| Net charge-offs to loans | 0.0709% | 3,785 |
| Credit loss provision to net charge-offs | -258.3333% | 5,650 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 3,824 |
| Efficiency ratio | 98.5330% | 607 |
| Assets per employee ($millions) | 5.4019% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0097% | 365 |
| Loan loss allowance to noncurrent loans | 159.7296% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 2.7572% | 2,129 |
| Noncurrent loans to loans | 2.5103% | 2,599 |
| Net loans and leases to total assets | 66.8936% | 2,312 |
| Net loans and leases to deposits | 81.0467% | 2,053 |
| Net loans and leases to core deposits | 99.7653% | 1,004 |
| Total domestic deposits to total assets | 82.5372% | 5,109 |
| Equity capital to assets | 7.9992% | 6,526 |
| Core capital (leverage) ratio | 7.5891% | 6,574 |
| Tier 1 risk-based capital ratio | 10.8957% | 6,580 |
| Total risk-based capital ratio | 12.1793% | 6,556 |
| Memoranda: | ||
| Average total assets | $98,170,000 | 4,976 |
| Average earning assets | $87,487,500 | 5,043 |
| Average equity | $6,756,000 | 5,943 |
| Average total loans | $67,713,500 | 4,528 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4812% | 1,208 |
| Cost of funding earning assets | 2.3632% | 37 |
| Net interest margin | 3.1180% | 6,302 |
| Noninterest income to average assets | 0.4612% | 4,131 |
| Noninterest expense to average assets | 3.2692% | 2,621 |
| Loan and lease loss provision to assets | 1.9602% | 309 |
| Net operating income to assets | -1.9107% | 7,014 |
| Return on assets (ROA) | -1.6598% | 6,963 |
| Pretax return on assets | -1.7034% | 6,947 |
| Return on Equity (ROE) | -26.2778% | 7,061 |
| Retained earnings to average equity (ytd only) | -26.2778% | 7,051 |
| Net charge-offs to loans | 2.6574% | 415 |
| Credit loss provision to net charge-offs | 104.2784% | 3,298 |
| Earnings coverage of net charge-offs (x) | -0.0010% | 5,824 |
| Efficiency ratio | 100.0593% | 671 |
| Assets per employee ($millions) | 4.5048% | 2,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0789% | 361 |
| Loan loss allowance to noncurrent loans | 302.9638% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1230% | 2,824 |
| Noncurrent loans to loans | 1.3463% | 4,126 |
| Net loans and leases to total assets | 65.4922% | 2,882 |
| Net loans and leases to deposits | 77.4840% | 2,924 |
| Net loans and leases to core deposits | 94.4417% | 1,642 |
| Total domestic deposits to total assets | 84.5235% | 4,077 |
| Equity capital to assets | 5.7858% | 7,110 |
| Core capital (leverage) ratio | 5.3072% | 7,115 |
| Tier 1 risk-based capital ratio | 7.5752% | 7,128 |
| Total risk-based capital ratio | 8.8579% | 7,129 |
| Memoranda: | ||
| Average total assets | $103,206,000 | 4,814 |
| Average earning assets | $92,881,400 | 4,834 |
| Average equity | $6,518,800 | 6,011 |
| Average total loans | $73,004,800 | 4,380 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5222% | 1,200 |
| Cost of funding earning assets | 2.3886% | 39 |
| Net interest margin | 3.1336% | 6,332 |
| Noninterest income to average assets | 0.5820% | 3,284 |
| Noninterest expense to average assets | 3.2836% | 2,544 |
| Loan and lease loss provision to assets | 1.8395% | 323 |
| Net operating income to assets | -1.5439% | 7,051 |
| Return on assets (ROA) | -1.4787% | 7,050 |
| Pretax return on assets | -1.6284% | 7,046 |
| Return on Equity (ROE) | -22.9529% | 7,140 |
| Retained earnings to average equity (ytd only) | -22.9529% | 7,129 |
| Net charge-offs to loans | 2.0859% | 595 |
| Credit loss provision to net charge-offs | 123.6457% | 2,604 |
| Earnings coverage of net charge-offs (x) | 0.0937% | 5,531 |
| Efficiency ratio | 95.9268% | 827 |
| Assets per employee ($millions) | 4.4969% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1138% | 358 |
| Loan loss allowance to noncurrent loans | 166.7797% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 2.6347% | 2,456 |
| Noncurrent loans to loans | 2.4666% | 2,809 |
| Net loans and leases to total assets | 66.5255% | 2,775 |
| Net loans and leases to deposits | 78.8075% | 2,842 |
| Net loans and leases to core deposits | 103.5190% | 1,006 |
| Total domestic deposits to total assets | 84.4152% | 4,045 |
| Equity capital to assets | 6.1908% | 7,170 |
| Core capital (leverage) ratio | 5.8834% | 7,153 |
| Tier 1 risk-based capital ratio | 7.7086% | 7,208 |
| Total risk-based capital ratio | 8.9901% | 7,209 |
| Memoranda: | ||
| Average total assets | $104,231,250 | 4,811 |
| Average earning assets | $94,500,250 | 4,835 |
| Average equity | $6,715,000 | 5,995 |
| Average total loans | $74,339,500 | 4,374 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 1,226 |
| Cost of funding earning assets | 2.4406% | 37 |
| Net interest margin | 3.0924% | 6,423 |
| Noninterest income to average assets | 0.4574% | 4,224 |
| Noninterest expense to average assets | 3.2460% | 2,738 |
| Loan and lease loss provision to assets | 2.2967% | 240 |
| Net operating income to assets | -2.0632% | 7,198 |
| Return on assets (ROA) | -2.0632% | 7,205 |
| Pretax return on assets | -2.2794% | 7,217 |
| Return on Equity (ROE) | -31.6175% | 7,263 |
| Retained earnings to average equity (ytd only) | -31.6175% | 7,255 |
| Net charge-offs to loans | 2.6941% | 412 |
| Credit loss provision to net charge-offs | 118.4600% | 2,595 |
| Earnings coverage of net charge-offs (x) | 0.0089% | 5,277 |
| Efficiency ratio | 99.4721% | 739 |
| Assets per employee ($millions) | 4.2418% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9120% | 443 |
| Loan loss allowance to noncurrent loans | 135.5419% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 2.7062% | 2,473 |
| Noncurrent loans to loans | 2.8862% | 2,530 |
| Net loans and leases to total assets | 69.1008% | 2,395 |
| Net loans and leases to deposits | 82.1348% | 2,433 |
| Net loans and leases to core deposits | 114.6784% | 559 |
| Total domestic deposits to total assets | 84.1310% | 4,292 |
| Equity capital to assets | 6.3584% | 7,205 |
| Core capital (leverage) ratio | 5.9741% | 7,195 |
| Tier 1 risk-based capital ratio | 7.6599% | 7,271 |
| Total risk-based capital ratio | 8.9387% | 7,275 |
| Memoranda: | ||
| Average total assets | $104,499,000 | 4,844 |
| Average earning assets | $94,812,670 | 4,856 |
| Average equity | $6,819,000 | 5,977 |
| Average total loans | $75,200,000 | 4,382 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5752% | 1,108 |
| Cost of funding earning assets | 2.4524% | 44 |
| Net interest margin | 3.1228% | 6,284 |
| Noninterest income to average assets | 0.5366% | 3,605 |
| Noninterest expense to average assets | 3.2500% | 2,705 |
| Loan and lease loss provision to assets | 3.2159% | 145 |
| Net operating income to assets | -3.0270% | 7,396 |
| Return on assets (ROA) | -3.0270% | 7,400 |
| Pretax return on assets | -3.0950% | 7,382 |
| Return on Equity (ROE) | -45.8238% | 7,394 |
| Retained earnings to average equity (ytd only) | -45.8238% | 7,380 |
| Net charge-offs to loans | 0.4935% | 2,241 |
| Credit loss provision to net charge-offs | 905.3191% | 417 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 4,359 |
| Efficiency ratio | 96.4126% | 900 |
| Assets per employee ($millions) | 4.6853% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6309% | 257 |
| Loan loss allowance to noncurrent loans | 120.7879% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 3.5498% | 1,917 |
| Noncurrent loans to loans | 3.8339% | 1,916 |
| Net loans and leases to total assets | 68.6089% | 2,423 |
| Net loans and leases to deposits | 81.4916% | 2,446 |
| Net loans and leases to core deposits | 116.6881% | 511 |
| Total domestic deposits to total assets | 84.1914% | 4,412 |
| Equity capital to assets | 6.4088% | 7,237 |
| Core capital (leverage) ratio | 6.0393% | 7,241 |
| Tier 1 risk-based capital ratio | 7.9828% | 7,292 |
| Total risk-based capital ratio | 9.2711% | 7,294 |
| Memoranda: | ||
| Average total assets | $105,847,500 | 4,840 |
| Average earning assets | $96,068,000 | 4,850 |
| Average equity | $6,992,000 | 5,928 |
| Average total loans | $76,195,000 | 4,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8152% | 1,240 |
| Cost of funding earning assets | 2.6349% | 68 |
| Net interest margin | 3.1803% | 6,315 |
| Noninterest income to average assets | 0.7210% | 2,707 |
| Noninterest expense to average assets | 3.1971% | 3,107 |
| Loan and lease loss provision to assets | 4.4538% | 112 |
| Net operating income to assets | -4.2120% | 7,464 |
| Return on assets (ROA) | -3.8362% | 7,430 |
| Pretax return on assets | -3.6673% | 7,391 |
| Return on Equity (ROE) | -48.9800% | 7,415 |
| Retained earnings to average equity (ytd only) | -48.9800% | 7,412 |
| Net charge-offs to loans | 4.9357% | 182 |
| Credit loss provision to net charge-offs | 121.8297% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.1123% | 6,006 |
| Efficiency ratio | 88.6186% | 1,430 |
| Assets per employee ($millions) | 4.7225% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4217% | 623 |
| Loan loss allowance to noncurrent loans | 92.1515% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 3.3263% | 2,127 |
| Noncurrent loans to loans | 3.7131% | 2,000 |
| Net loans and leases to total assets | 69.5640% | 2,643 |
| Net loans and leases to deposits | 82.7491% | 2,672 |
| Net loans and leases to core deposits | 121.9441% | 472 |
| Total domestic deposits to total assets | 84.0662% | 4,334 |
| Equity capital to assets | 6.7926% | 7,179 |
| Core capital (leverage) ratio | 6.2976% | 7,246 |
| Tier 1 risk-based capital ratio | 8.6875% | 7,292 |
| Total risk-based capital ratio | 9.9615% | 7,300 |
| Memoranda: | ||
| Average total assets | $120,796,800 | 4,467 |
| Average earning assets | $109,644,600 | 4,472 |
| Average equity | $9,461,000 | 5,277 |
| Average total loans | $89,470,400 | 4,065 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8460% | 1,263 |
| Cost of funding earning assets | 2.6490% | 76 |
| Net interest margin | 3.1970% | 6,351 |
| Noninterest income to average assets | 0.5814% | 3,572 |
| Noninterest expense to average assets | 3.2342% | 2,800 |
| Loan and lease loss provision to assets | 4.8965% | 95 |
| Net operating income to assets | -4.7285% | 7,626 |
| Return on assets (ROA) | -4.2397% | 7,600 |
| Pretax return on assets | -4.1590% | 7,582 |
| Return on Equity (ROE) | -52.6014% | 7,576 |
| Retained earnings to average equity (ytd only) | -52.6014% | 7,574 |
| Net charge-offs to loans | 3.9156% | 319 |
| Credit loss provision to net charge-offs | 167.8229% | 2,221 |
| Earnings coverage of net charge-offs (x) | 0.0852% | 5,947 |
| Efficiency ratio | 92.8594% | 1,067 |
| Assets per employee ($millions) | 4.7579% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2632% | 296 |
| Loan loss allowance to noncurrent loans | 64.2948% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 5.4138% | 1,154 |
| Noncurrent loans to loans | 6.6307% | 885 |
| Net loans and leases to total assets | 69.8351% | 2,768 |
| Net loans and leases to deposits | 83.8695% | 2,726 |
| Net loans and leases to core deposits | 124.5319% | 485 |
| Total domestic deposits to total assets | 83.2663% | 4,476 |
| Equity capital to assets | 7.2214% | 7,256 |
| Core capital (leverage) ratio | 6.6837% | 7,290 |
| Tier 1 risk-based capital ratio | 9.1085% | 7,344 |
| Total risk-based capital ratio | 10.4021% | 7,348 |
| Memoranda: | ||
| Average total assets | $123,841,500 | 4,460 |
| Average earning assets | $112,393,250 | 4,476 |
| Average equity | $9,981,750 | 5,199 |
| Average total loans | $92,279,000 | 4,070 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0532% | 842 |
| Cost of funding earning assets | 2.6466% | 108 |
| Net interest margin | 3.4065% | 5,619 |
| Noninterest income to average assets | 0.5273% | 3,896 |
| Noninterest expense to average assets | 3.0993% | 3,328 |
| Loan and lease loss provision to assets | 6.6410% | 57 |
| Net operating income to assets | -6.0753% | 7,739 |
| Return on assets (ROA) | -5.8603% | 7,736 |
| Pretax return on assets | -5.8980% | 7,724 |
| Return on Equity (ROE) | -70.5092% | 7,682 |
| Retained earnings to average equity (ytd only) | -70.5092% | 7,680 |
| Net charge-offs to loans | 5.6406% | 157 |
| Credit loss provision to net charge-offs | 157.0153% | 2,513 |
| Earnings coverage of net charge-offs (x) | 0.1243% | 5,598 |
| Efficiency ratio | 85.4972% | 1,773 |
| Assets per employee ($millions) | 4.1140% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7139% | 468 |
| Loan loss allowance to noncurrent loans | 96.5199% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 2.9186% | 2,464 |
| Noncurrent loans to loans | 3.8478% | 1,994 |
| Net loans and leases to total assets | 70.5167% | 2,791 |
| Net loans and leases to deposits | 84.5672% | 2,783 |
| Net loans and leases to core deposits | 125.0874% | 542 |
| Total domestic deposits to total assets | 83.3854% | 4,397 |
| Equity capital to assets | 7.1958% | 7,277 |
| Core capital (leverage) ratio | 6.5619% | 7,365 |
| Tier 1 risk-based capital ratio | 8.8066% | 7,447 |
| Total risk-based capital ratio | 10.0851% | 7,459 |
| Memoranda: | ||
| Average total assets | $127,059,000 | 4,426 |
| Average earning assets | $115,543,000 | 4,426 |
| Average equity | $10,560,330 | 5,044 |
| Average total loans | $95,273,670 | 4,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1242% | 746 |
| Cost of funding earning assets | 2.6799% | 128 |
| Net interest margin | 3.4442% | 5,402 |
| Noninterest income to average assets | 0.6507% | 2,932 |
| Noninterest expense to average assets | 2.8869% | 4,115 |
| Loan and lease loss provision to assets | 5.2331% | 142 |
| Net operating income to assets | -4.2647% | 7,733 |
| Return on assets (ROA) | -4.2647% | 7,742 |
| Pretax return on assets | -4.3166% | 7,715 |
| Return on Equity (ROE) | -48.3547% | 7,705 |
| Retained earnings to average equity (ytd only) | -48.3547% | 7,695 |
| Net charge-offs to loans | 4.1765% | 311 |
| Credit loss provision to net charge-offs | 165.3475% | 2,203 |
| Earnings coverage of net charge-offs (x) | 0.2896% | 4,785 |
| Efficiency ratio | 75.9036% | 3,233 |
| Assets per employee ($millions) | 4.1355% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4193% | 1,400 |
| Loan loss allowance to noncurrent loans | 57.2455% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.4458% | 2,046 |
| Noncurrent loans to loans | 4.2262% | 1,815 |
| Net loans and leases to total assets | 77.7002% | 1,207 |
| Net loans and leases to deposits | 96.9185% | 1,006 |
| Net loans and leases to core deposits | 145.9691% | 266 |
| Total domestic deposits to total assets | 80.1707% | 5,730 |
| Equity capital to assets | 8.7664% | 5,616 |
| Core capital (leverage) ratio | 7.8032% | 6,499 |
| Tier 1 risk-based capital ratio | 10.1200% | 6,951 |
| Total risk-based capital ratio | 11.3838% | 6,930 |
| Memoranda: | ||
| Average total assets | $130,936,000 | 4,386 |
| Average earning assets | $119,853,000 | 4,378 |
| Average equity | $11,548,000 | 4,836 |
| Average total loans | $99,223,000 | 3,981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1065% | 1,498 |
| Cost of funding earning assets | 3.0070% | 223 |
| Net interest margin | 3.0995% | 6,373 |
| Noninterest income to average assets | 0.4979% | 4,429 |
| Noninterest expense to average assets | 2.7647% | 5,108 |
| Loan and lease loss provision to assets | 2.0758% | 1,023 |
| Net operating income to assets | -1.6435% | 6,930 |
| Return on assets (ROA) | -1.6435% | 6,935 |
| Pretax return on assets | -1.5004% | 6,704 |
| Return on Equity (ROE) | -16.1975% | 7,001 |
| Retained earnings to average equity (ytd only) | -16.1975% | 6,949 |
| Net charge-offs to loans | 3.1873% | 644 |
| Credit loss provision to net charge-offs | 87.7182% | 6,077 |
| Earnings coverage of net charge-offs (x) | 0.2431% | 5,878 |
| Efficiency ratio | 82.7739% | 2,506 |
| Assets per employee ($millions) | 4.5936% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 2,837 |
| Loan loss allowance to noncurrent loans | 37.4099% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 3.3953% | 1,996 |
| Noncurrent loans to loans | 4.5947% | 1,534 |
| Net loans and leases to total assets | 71.0735% | 2,974 |
| Net loans and leases to deposits | 87.1839% | 2,703 |
| Net loans and leases to core deposits | 120.0380% | 1,945 |
| Total domestic deposits to total assets | 81.5214% | 5,143 |
| Equity capital to assets | 8.8674% | 5,328 |
| Core capital (leverage) ratio | 8.3439% | 5,543 |
| Tier 1 risk-based capital ratio | 11.0562% | 5,869 |
| Total risk-based capital ratio | 12.3106% | 5,825 |
| Memoranda: | ||
| Average total assets | $135,564,000 | 4,227 |
| Average earning assets | $124,310,600 | 4,210 |
| Average equity | $13,755,200 | 4,323 |
| Average total loans | $100,648,200 | 3,924 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1963% | 1,388 |
| Cost of funding earning assets | 3.0384% | 292 |
| Net interest margin | 3.1579% | 6,150 |
| Noninterest income to average assets | 0.6232% | 3,537 |
| Noninterest expense to average assets | 2.8038% | 4,879 |
| Loan and lease loss provision to assets | 0.6380% | 2,842 |
| Net operating income to assets | 0.0711% | 5,554 |
| Return on assets (ROA) | 0.0711% | 5,596 |
| Pretax return on assets | 0.0770% | 5,563 |
| Return on Equity (ROE) | 0.6790% | 5,584 |
| Retained earnings to average equity (ytd only) | 0.6790% | 4,908 |
| Net charge-offs to loans | 1.7298% | 1,170 |
| Credit loss provision to net charge-offs | 49.3506% | 6,315 |
| Earnings coverage of net charge-offs (x) | 0.5531% | 5,477 |
| Efficiency ratio | 79.6800% | 2,905 |
| Assets per employee ($millions) | 5.3197% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 3,755 |
| Loan loss allowance to noncurrent loans | 61.9742% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.0244% | 3,312 |
| Noncurrent loans to loans | 2.3186% | 3,244 |
| Net loans and leases to total assets | 71.6113% | 3,126 |
| Net loans and leases to deposits | 88.5146% | 2,864 |
| Net loans and leases to core deposits | 121.7347% | 2,097 |
| Total domestic deposits to total assets | 80.9033% | 5,119 |
| Equity capital to assets | 10.3180% | 3,707 |
| Core capital (leverage) ratio | 10.0032% | 3,277 |
| Tier 1 risk-based capital ratio | 12.7013% | 4,393 |
| Total risk-based capital ratio | 13.9525% | 4,341 |
| Memoranda: | ||
| Average total assets | $135,003,000 | 4,252 |
| Average earning assets | $123,791,500 | 4,251 |
| Average equity | $14,139,000 | 4,258 |
| Average total loans | $100,895,750 | 3,959 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0400% | 2,017 |
| Cost of funding earning assets | 3.0811% | 373 |
| Net interest margin | 2.9589% | 6,659 |
| Noninterest income to average assets | 0.7304% | 2,813 |
| Noninterest expense to average assets | 2.9171% | 4,443 |
| Loan and lease loss provision to assets | 0.5108% | 2,980 |
| Net operating income to assets | 0.0075% | 5,817 |
| Return on assets (ROA) | 0.0075% | 5,895 |
| Pretax return on assets | 0.0134% | 5,835 |
| Return on Equity (ROE) | 0.0709% | 5,897 |
| Retained earnings to average equity (ytd only) | 0.0709% | 5,176 |
| Net charge-offs to loans | 2.1756% | 844 |
| Credit loss provision to net charge-offs | 31.1192% | 6,018 |
| Earnings coverage of net charge-offs (x) | 0.3194% | 5,356 |
| Efficiency ratio | 84.7656% | 2,388 |
| Assets per employee ($millions) | 4.6297% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 3,993 |
| Loan loss allowance to noncurrent loans | 51.6450% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 2.1406% | 3,006 |
| Noncurrent loans to loans | 2.6095% | 2,772 |
| Net loans and leases to total assets | 73.6031% | 2,812 |
| Net loans and leases to deposits | 91.7234% | 2,519 |
| Net loans and leases to core deposits | 122.9239% | 2,118 |
| Total domestic deposits to total assets | 80.2446% | 5,370 |
| Equity capital to assets | 10.5086% | 3,393 |
| Core capital (leverage) ratio | 10.0588% | 3,230 |
| Tier 1 risk-based capital ratio | 12.8454% | 4,248 |
| Total risk-based capital ratio | 14.0957% | 4,167 |
| Memoranda: | ||
| Average total assets | $133,900,000 | 4,307 |
| Average earning assets | $122,681,670 | 4,305 |
| Average equity | $14,095,000 | 4,289 |
| Average total loans | $101,030,670 | 3,985 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1268% | 1,843 |
| Cost of funding earning assets | 3.1355% | 412 |
| Net interest margin | 2.9913% | 6,500 |
| Noninterest income to average assets | 0.9213% | 1,770 |
| Noninterest expense to average assets | 2.8418% | 4,374 |
| Loan and lease loss provision to assets | 0.5743% | 2,190 |
| Net operating income to assets | 0.1556% | 5,802 |
| Return on assets (ROA) | 0.1556% | 5,974 |
| Pretax return on assets | 0.2363% | 5,858 |
| Return on Equity (ROE) | 1.4764% | 5,973 |
| Retained earnings to average equity (ytd only) | 1.4764% | 5,024 |
| Net charge-offs to loans | 2.9529% | 431 |
| Credit loss provision to net charge-offs | 25.6342% | 5,002 |
| Earnings coverage of net charge-offs (x) | 0.3618% | 4,687 |
| Efficiency ratio | 77.8051% | 3,200 |
| Assets per employee ($millions) | 4.6267% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 2,648 |
| Loan loss allowance to noncurrent loans | 98.6005% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.6799% | 3,404 |
| Noncurrent loans to loans | 1.5923% | 3,890 |
| Net loans and leases to total assets | 72.4241% | 3,146 |
| Net loans and leases to deposits | 89.7964% | 2,963 |
| Net loans and leases to core deposits | 114.5769% | 2,948 |
| Total domestic deposits to total assets | 80.6536% | 5,112 |
| Equity capital to assets | 10.5459% | 3,420 |
| Core capital (leverage) ratio | 10.1835% | 3,209 |
| Tier 1 risk-based capital ratio | 13.4473% | 3,898 |
| Total risk-based capital ratio | 14.7007% | 3,815 |
| Memoranda: | ||
| Average total assets | $133,719,000 | 4,328 |
| Average earning assets | $122,087,000 | 4,329 |
| Average equity | $14,088,000 | 4,313 |
| Average total loans | $101,460,500 | 3,991 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7602% | 1,830 |
| Cost of funding earning assets | 3.3796% | 739 |
| Net interest margin | 3.3806% | 5,739 |
| Noninterest income to average assets | 0.3944% | 5,515 |
| Noninterest expense to average assets | 2.6345% | 5,510 |
| Loan and lease loss provision to assets | 0.8535% | 1,746 |
| Net operating income to assets | 0.0155% | 6,325 |
| Return on assets (ROA) | 0.0155% | 6,183 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.1335% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.1335% | 5,150 |
| Net charge-offs to loans | 0.0677% | 5,804 |
| Credit loss provision to net charge-offs | 1,598.3871% | 275 |
| Earnings coverage of net charge-offs (x) | 15.9839% | 1,887 |
| Efficiency ratio | 75.5309% | 3,322 |
| Assets per employee ($millions) | 4.5953% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0222% | 1,180 |
| Loan loss allowance to noncurrent loans | 84.1454% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8790% | 2,618 |
| Noncurrent loans to loans | 2.4032% | 2,284 |
| Net loans and leases to total assets | 76.6072% | 2,469 |
| Net loans and leases to deposits | 95.1187% | 2,596 |
| Net loans and leases to core deposits | 126.2088% | 2,148 |
| Total domestic deposits to total assets | 80.5385% | 4,825 |
| Equity capital to assets | 10.5251% | 3,471 |
| Core capital (leverage) ratio | 10.4342% | 3,034 |
| Tier 1 risk-based capital ratio | 12.3760% | 4,524 |
| Total risk-based capital ratio | 13.6346% | 4,416 |
| Memoranda: | ||
| Average total assets | $116,112,800 | 4,609 |
| Average earning assets | $106,254,000 | 4,611 |
| Average equity | $13,483,400 | 4,458 |
| Average total loans | $91,579,800 | 4,173 |