Home > KeyWorth Bank > Performance and Condition Ratios
KeyWorth Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 1,886 |
| Cost of funding earning assets | 0.5796% | 1,479 |
| Net interest margin | 3.7932% | 2,311 |
| Noninterest income to average assets | 0.4710% | 3,337 |
| Noninterest expense to average assets | 8.9945% | 84 |
| Loan and lease loss provision to assets | 0.0496% | 2,937 |
| Net operating income to assets | -3.1839% | 6,093 |
| Return on assets (ROA) | -3.3743% | 6,096 |
| Pretax return on assets | -5.4120% | 6,110 |
| Return on Equity (ROE) | -32.0936% | 6,091 |
| Retained earnings to average equity (ytd only) | -34.1589% | 6,040 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.8923% | 15 |
| Assets per employee ($millions) | 7.6735% | 648 |
| Cash dividends to net income (ytd only)* | -6.4355% | 6,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,876 |
| Loan loss allowance to noncurrent loans | 1,075.2000% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 5,352 |
| Noncurrent loans to loans | 0.0879% | 5,123 |
| Net loans and leases to total assets | 70.6029% | 2,252 |
| Net loans and leases to deposits | 81.1907% | 2,651 |
| Net loans and leases to core deposits | 87.0630% | 2,650 |
| Total domestic deposits to total assets | 86.9594% | 2,229 |
| Equity capital to assets | 9.8964% | 4,216 |
| Core capital (leverage) ratio | 9.5849% | 4,055 |
| Tier 1 risk-based capital ratio | 10.7358% | 5,647 |
| Total risk-based capital ratio | 11.4813% | 5,782 |
| Memoranda: | ||
| Average total assets | $403,402,500 | 1,671 |
| Average earning assets | $367,815,500 | 1,693 |
| Average equity | $42,413,500 | 1,744 |
| Average total loans | $268,251,000 | 1,678 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,860 |
| Cost of funding earning assets | 0.6129% | 1,297 |
| Net interest margin | 3.5012% | 3,519 |
| Noninterest income to average assets | 0.4847% | 3,436 |
| Noninterest expense to average assets | 2.7031% | 3,570 |
| Loan and lease loss provision to assets | -0.2591% | 6,035 |
| Net operating income to assets | 0.8417% | 3,149 |
| Return on assets (ROA) | 0.8448% | 3,204 |
| Pretax return on assets | 1.3228% | 2,186 |
| Return on Equity (ROE) | 7.5411% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.5887% | 1,498 |
| Net charge-offs to loans | -0.0020% | 4,880 |
| Credit loss provision to net charge-offs | 20,300.0000% | 12 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8521% | 2,929 |
| Assets per employee ($millions) | 7.4142% | 735 |
| Cash dividends to net income (ytd only)* | 12.6284% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 4,339 |
| Loan loss allowance to noncurrent loans | 1,026.4591% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,378 |
| Noncurrent loans to loans | 0.1019% | 5,093 |
| Net loans and leases to total assets | 61.1734% | 3,665 |
| Net loans and leases to deposits | 70.2456% | 3,894 |
| Net loans and leases to core deposits | 74.7228% | 3,874 |
| Total domestic deposits to total assets | 87.0850% | 2,085 |
| Equity capital to assets | 11.1182% | 2,713 |
| Core capital (leverage) ratio | 11.0213% | 2,384 |
| Tier 1 risk-based capital ratio | 13.8846% | 3,778 |
| Total risk-based capital ratio | 14.7005% | 3,971 |
| Memoranda: | ||
| Average total assets | $391,808,600 | 1,679 |
| Average earning assets | $366,756,200 | 1,655 |
| Average equity | $43,893,000 | 1,677 |
| Average total loans | $245,602,800 | 1,754 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,827 |
| Cost of funding earning assets | 0.6289% | 1,224 |
| Net interest margin | 3.4967% | 3,549 |
| Noninterest income to average assets | 0.4593% | 3,644 |
| Noninterest expense to average assets | 2.5369% | 4,089 |
| Loan and lease loss provision to assets | -0.0739% | 5,962 |
| Net operating income to assets | 0.8055% | 3,405 |
| Return on assets (ROA) | 0.8096% | 3,484 |
| Pretax return on assets | 1.2751% | 2,493 |
| Return on Equity (ROE) | 7.2129% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.2665% | 2,079 |
| Net charge-offs to loans | -0.0027% | 4,742 |
| Credit loss provision to net charge-offs | 4,300.0000% | 97 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9842% | 3,543 |
| Assets per employee ($millions) | 7.2611% | 772 |
| Cash dividends to net income (ytd only)* | 13.1210% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,709 |
| Loan loss allowance to noncurrent loans | 1,317.2414% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 5,480 |
| Noncurrent loans to loans | 0.1046% | 5,220 |
| Net loans and leases to total assets | 62.7744% | 3,490 |
| Net loans and leases to deposits | 72.5768% | 3,696 |
| Net loans and leases to core deposits | 77.4166% | 3,658 |
| Total domestic deposits to total assets | 86.4938% | 2,285 |
| Equity capital to assets | 11.4167% | 2,566 |
| Core capital (leverage) ratio | 11.2572% | 2,237 |
| Tier 1 risk-based capital ratio | 14.0227% | 3,832 |
| Total risk-based capital ratio | 15.1179% | 3,871 |
| Memoranda: | ||
| Average total assets | $387,815,250 | 1,708 |
| Average earning assets | $362,927,500 | 1,682 |
| Average equity | $43,531,750 | 1,699 |
| Average total loans | $243,980,500 | 1,776 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,860 |
| Cost of funding earning assets | 0.6469% | 1,125 |
| Net interest margin | 3.4626% | 3,651 |
| Noninterest income to average assets | 0.4384% | 3,784 |
| Noninterest expense to average assets | 2.5161% | 4,190 |
| Loan and lease loss provision to assets | 0.0440% | 3,229 |
| Net operating income to assets | 0.7227% | 3,776 |
| Return on assets (ROA) | 0.7288% | 3,864 |
| Pretax return on assets | 1.1294% | 3,051 |
| Return on Equity (ROE) | 6.5305% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.6029% | 2,464 |
| Net charge-offs to loans | -0.0025% | 4,611 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3685% | 3,621 |
| Assets per employee ($millions) | 7.3383% | 722 |
| Cash dividends to net income (ytd only)* | 14.2045% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 2,204 |
| Loan loss allowance to noncurrent loans | 320.9622% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 4,675 |
| Noncurrent loans to loans | 0.4739% | 4,056 |
| Net loans and leases to total assets | 62.1938% | 3,521 |
| Net loans and leases to deposits | 72.0965% | 3,712 |
| Net loans and leases to core deposits | 76.9376% | 3,673 |
| Total domestic deposits to total assets | 86.2647% | 2,549 |
| Equity capital to assets | 11.1842% | 2,685 |
| Core capital (leverage) ratio | 11.0552% | 2,375 |
| Tier 1 risk-based capital ratio | 13.5127% | 4,215 |
| Total risk-based capital ratio | 14.6848% | 4,187 |
| Memoranda: | ||
| Average total assets | $386,386,670 | 1,726 |
| Average earning assets | $361,748,000 | 1,692 |
| Average equity | $43,120,670 | 1,721 |
| Average total loans | $242,115,000 | 1,798 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,743 |
| Cost of funding earning assets | 0.6547% | 1,082 |
| Net interest margin | 3.4674% | 3,558 |
| Noninterest income to average assets | 0.3635% | 4,303 |
| Noninterest expense to average assets | 2.5281% | 4,177 |
| Loan and lease loss provision to assets | 0.0519% | 2,898 |
| Net operating income to assets | 0.6682% | 3,962 |
| Return on assets (ROA) | 0.6803% | 4,017 |
| Pretax return on assets | 1.0532% | 3,290 |
| Return on Equity (ROE) | 6.1027% | 3,979 |
| Retained earnings to average equity (ytd only) | 5.2549% | 2,914 |
| Net charge-offs to loans | -0.0033% | 4,414 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9425% | 3,499 |
| Assets per employee ($millions) | 7.4326% | 700 |
| Cash dividends to net income (ytd only)* | 13.8931% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 2,185 |
| Loan loss allowance to noncurrent loans | 314.8936% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3063% | 4,751 |
| Noncurrent loans to loans | 0.4958% | 4,092 |
| Net loans and leases to total assets | 60.3660% | 3,597 |
| Net loans and leases to deposits | 69.3190% | 3,824 |
| Net loans and leases to core deposits | 73.5974% | 3,816 |
| Total domestic deposits to total assets | 87.0844% | 2,325 |
| Equity capital to assets | 11.2173% | 2,736 |
| Core capital (leverage) ratio | 11.1150% | 2,303 |
| Tier 1 risk-based capital ratio | 14.7526% | 3,574 |
| Total risk-based capital ratio | 15.9457% | 3,532 |
| Memoranda: | ||
| Average total assets | $385,114,500 | 1,733 |
| Average earning assets | $361,077,500 | 1,699 |
| Average equity | $42,931,500 | 1,729 |
| Average total loans | $240,359,000 | 1,810 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2267% | 2,860 |
| Cost of funding earning assets | 0.8312% | 562 |
| Net interest margin | 3.3955% | 4,216 |
| Noninterest income to average assets | 0.3976% | 4,198 |
| Noninterest expense to average assets | 2.3901% | 4,873 |
| Loan and lease loss provision to assets | 0.0647% | 3,214 |
| Net operating income to assets | 0.7203% | 3,792 |
| Return on assets (ROA) | 0.7207% | 3,899 |
| Pretax return on assets | 1.1159% | 3,027 |
| Return on Equity (ROE) | 6.7648% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.0883% | 1,865 |
| Net charge-offs to loans | 0.0283% | 4,252 |
| Credit loss provision to net charge-offs | 382.8125% | 684 |
| Earnings coverage of net charge-offs (x) | 69.8438% | 708 |
| Efficiency ratio | 66.9476% | 4,066 |
| Assets per employee ($millions) | 7.2403% | 740 |
| Cash dividends to net income (ytd only)* | 10.0000% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 2,494 |
| Loan loss allowance to noncurrent loans | 307.5885% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 4,796 |
| Noncurrent loans to loans | 0.4866% | 4,204 |
| Net loans and leases to total assets | 62.5585% | 3,432 |
| Net loans and leases to deposits | 72.1379% | 3,667 |
| Net loans and leases to core deposits | 76.2775% | 3,676 |
| Total domestic deposits to total assets | 86.7208% | 2,441 |
| Equity capital to assets | 11.0777% | 2,827 |
| Core capital (leverage) ratio | 10.8724% | 2,529 |
| Tier 1 risk-based capital ratio | 14.3804% | 3,849 |
| Total risk-based capital ratio | 15.6306% | 3,786 |
| Memoranda: | ||
| Average total assets | $378,810,400 | 1,732 |
| Average earning assets | $353,943,600 | 1,692 |
| Average equity | $40,356,200 | 1,763 |
| Average total loans | $225,827,200 | 1,858 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,046 |
| Cost of funding earning assets | 0.8533% | 532 |
| Net interest margin | 3.3316% | 4,502 |
| Noninterest income to average assets | 0.4467% | 3,916 |
| Noninterest expense to average assets | 2.3917% | 4,858 |
| Loan and lease loss provision to assets | 0.0865% | 2,621 |
| Net operating income to assets | 0.6902% | 3,992 |
| Return on assets (ROA) | 0.6907% | 4,080 |
| Pretax return on assets | 1.0823% | 3,258 |
| Return on Equity (ROE) | 6.5496% | 3,936 |
| Retained earnings to average equity (ytd only) | 5.9402% | 2,452 |
| Net charge-offs to loans | 0.0379% | 3,739 |
| Credit loss provision to net charge-offs | 388.8889% | 726 |
| Earnings coverage of net charge-offs (x) | 52.5067% | 943 |
| Efficiency ratio | 67.1858% | 4,013 |
| Assets per employee ($millions) | 7.9755% | 526 |
| Cash dividends to net income (ytd only)* | 9.3047% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 2,503 |
| Loan loss allowance to noncurrent loans | 1,192.1569% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 5,843 |
| Noncurrent loans to loans | 0.1300% | 5,530 |
| Net loans and leases to total assets | 59.3053% | 3,888 |
| Net loans and leases to deposits | 68.1727% | 4,108 |
| Net loans and leases to core deposits | 73.7430% | 3,967 |
| Total domestic deposits to total assets | 86.9928% | 2,327 |
| Equity capital to assets | 10.5587% | 3,489 |
| Core capital (leverage) ratio | 10.9113% | 2,570 |
| Tier 1 risk-based capital ratio | 14.5062% | 3,880 |
| Total risk-based capital ratio | 15.7566% | 3,818 |
| Memoranda: | ||
| Average total assets | $377,579,250 | 1,747 |
| Average earning assets | $352,811,750 | 1,707 |
| Average equity | $39,818,000 | 1,794 |
| Average total loans | $221,357,250 | 1,907 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2074% | 2,923 |
| Cost of funding earning assets | 0.8676% | 508 |
| Net interest margin | 3.3398% | 4,441 |
| Noninterest income to average assets | 0.5434% | 3,183 |
| Noninterest expense to average assets | 2.4251% | 4,811 |
| Loan and lease loss provision to assets | 0.1125% | 2,147 |
| Net operating income to assets | 0.7170% | 3,748 |
| Return on assets (ROA) | 0.7235% | 3,807 |
| Pretax return on assets | 1.1314% | 2,966 |
| Return on Equity (ROE) | 6.8639% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.4012% | 2,090 |
| Net charge-offs to loans | 0.0591% | 3,128 |
| Credit loss provision to net charge-offs | 328.1250% | 798 |
| Earnings coverage of net charge-offs (x) | 35.9688% | 1,137 |
| Efficiency ratio | 66.2809% | 4,318 |
| Assets per employee ($millions) | 8.0809% | 477 |
| Cash dividends to net income (ytd only)* | 6.7407% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 2,305 |
| Loan loss allowance to noncurrent loans | 1,136.1635% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 5,898 |
| Noncurrent loans to loans | 0.1448% | 5,571 |
| Net loans and leases to total assets | 58.0988% | 3,981 |
| Net loans and leases to deposits | 67.1709% | 4,147 |
| Net loans and leases to core deposits | 73.0185% | 3,944 |
| Total domestic deposits to total assets | 86.4939% | 2,760 |
| Equity capital to assets | 10.9367% | 2,941 |
| Core capital (leverage) ratio | 10.8529% | 2,578 |
| Tier 1 risk-based capital ratio | 15.3575% | 3,434 |
| Total risk-based capital ratio | 16.6091% | 3,383 |
| Memoranda: | ||
| Average total assets | $373,173,000 | 1,758 |
| Average earning assets | $348,101,670 | 1,722 |
| Average equity | $39,336,330 | 1,800 |
| Average total loans | $216,672,330 | 1,927 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 2,867 |
| Cost of funding earning assets | 0.8625% | 553 |
| Net interest margin | 3.3398% | 4,373 |
| Noninterest income to average assets | 0.4932% | 3,467 |
| Noninterest expense to average assets | 2.4338% | 4,833 |
| Loan and lease loss provision to assets | 0.1123% | 2,075 |
| Net operating income to assets | 0.6676% | 3,857 |
| Return on assets (ROA) | 0.6676% | 3,943 |
| Pretax return on assets | 1.0623% | 3,077 |
| Return on Equity (ROE) | 6.4534% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.4534% | 2,315 |
| Net charge-offs to loans | -0.0019% | 4,696 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4474% | 4,284 |
| Assets per employee ($millions) | 8.4765% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6560% | 2,489 |
| Loan loss allowance to noncurrent loans | 902.2727% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 5,751 |
| Noncurrent loans to loans | 0.1835% | 5,546 |
| Net loans and leases to total assets | 55.6279% | 4,191 |
| Net loans and leases to deposits | 63.6574% | 4,356 |
| Net loans and leases to core deposits | 69.0040% | 4,205 |
| Total domestic deposits to total assets | 87.3863% | 2,575 |
| Equity capital to assets | 10.2962% | 3,479 |
| Core capital (leverage) ratio | 10.8184% | 2,576 |
| Tier 1 risk-based capital ratio | 15.2543% | 3,577 |
| Total risk-based capital ratio | 16.4820% | 3,547 |
| Memoranda: | ||
| Average total assets | $373,898,500 | 1,758 |
| Average earning assets | $348,763,500 | 1,726 |
| Average equity | $38,677,500 | 1,819 |
| Average total loans | $215,219,000 | 1,932 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,507 |
| Cost of funding earning assets | 0.8951% | 758 |
| Net interest margin | 3.2626% | 4,797 |
| Noninterest income to average assets | 0.4095% | 4,379 |
| Noninterest expense to average assets | 2.3246% | 5,303 |
| Loan and lease loss provision to assets | 0.1015% | 3,108 |
| Net operating income to assets | 0.6965% | 3,808 |
| Return on assets (ROA) | 0.7238% | 3,775 |
| Pretax return on assets | 1.0965% | 2,958 |
| Return on Equity (ROE) | 6.5778% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.5778% | 1,639 |
| Net charge-offs to loans | 0.0244% | 4,934 |
| Credit loss provision to net charge-offs | 744.6809% | 334 |
| Earnings coverage of net charge-offs (x) | 84.8511% | 532 |
| Efficiency ratio | 66.7777% | 4,409 |
| Assets per employee ($millions) | 8.1412% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,699 |
| Loan loss allowance to noncurrent loans | 851.8428% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 5,794 |
| Noncurrent loans to loans | 0.1896% | 5,626 |
| Net loans and leases to total assets | 57.6517% | 4,092 |
| Net loans and leases to deposits | 66.3288% | 4,259 |
| Net loans and leases to core deposits | 72.2137% | 4,041 |
| Total domestic deposits to total assets | 86.9182% | 2,770 |
| Equity capital to assets | 10.3946% | 3,292 |
| Core capital (leverage) ratio | 11.3669% | 2,060 |
| Tier 1 risk-based capital ratio | 15.1160% | 3,601 |
| Total risk-based capital ratio | 16.3672% | 3,546 |
| Memoranda: | ||
| Average total assets | $344,837,000 | 1,871 |
| Average earning assets | $324,647,800 | 1,825 |
| Average equity | $37,946,000 | 1,829 |
| Average total loans | $192,952,400 | 2,068 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 3,512 |
| Cost of funding earning assets | 0.9033% | 799 |
| Net interest margin | 3.2616% | 4,784 |
| Noninterest income to average assets | 0.4839% | 3,906 |
| Noninterest expense to average assets | 2.3983% | 5,028 |
| Loan and lease loss provision to assets | 0.1237% | 2,742 |
| Net operating income to assets | 0.6728% | 3,998 |
| Return on assets (ROA) | 0.6991% | 3,998 |
| Pretax return on assets | 1.0797% | 3,193 |
| Return on Equity (ROE) | 6.2599% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.2599% | 2,259 |
| Net charge-offs to loans | 0.0377% | 4,392 |
| Credit loss provision to net charge-offs | 594.3396% | 478 |
| Earnings coverage of net charge-offs (x) | 55.8718% | 801 |
| Efficiency ratio | 67.3431% | 4,224 |
| Assets per employee ($millions) | 8.1675% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7725% | 2,393 |
| Loan loss allowance to noncurrent loans | 819.6172% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 5,834 |
| Noncurrent loans to loans | 0.2163% | 5,693 |
| Net loans and leases to total assets | 56.6961% | 4,223 |
| Net loans and leases to deposits | 65.3470% | 4,373 |
| Net loans and leases to core deposits | 71.3297% | 4,172 |
| Total domestic deposits to total assets | 86.7616% | 2,820 |
| Equity capital to assets | 11.2296% | 2,530 |
| Core capital (leverage) ratio | 11.4760% | 2,060 |
| Tier 1 risk-based capital ratio | 16.7169% | 2,855 |
| Total risk-based capital ratio | 17.9697% | 2,799 |
| Memoranda: | ||
| Average total assets | $339,457,500 | 1,906 |
| Average earning assets | $320,289,000 | 1,869 |
| Average equity | $37,912,250 | 1,842 |
| Average total loans | $187,521,250 | 2,130 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,717 |
| Cost of funding earning assets | 0.9046% | 877 |
| Net interest margin | 3.2013% | 4,943 |
| Noninterest income to average assets | 0.4651% | 4,059 |
| Noninterest expense to average assets | 2.3485% | 5,215 |
| Loan and lease loss provision to assets | 0.1232% | 2,782 |
| Net operating income to assets | 0.6423% | 4,099 |
| Return on assets (ROA) | 0.6798% | 4,071 |
| Pretax return on assets | 1.0763% | 3,190 |
| Return on Equity (ROE) | 6.0976% | 4,113 |
| Retained earnings to average equity (ytd only) | 6.0976% | 2,374 |
| Net charge-offs to loans | 0.0593% | 3,854 |
| Credit loss provision to net charge-offs | 381.8182% | 684 |
| Earnings coverage of net charge-offs (x) | 35.3636% | 1,022 |
| Efficiency ratio | 67.3054% | 4,312 |
| Assets per employee ($millions) | 7.9872% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7292% | 2,673 |
| Loan loss allowance to noncurrent loans | 771.8605% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 5,700 |
| Noncurrent loans to loans | 0.2240% | 5,744 |
| Net loans and leases to total assets | 56.2286% | 4,242 |
| Net loans and leases to deposits | 64.4486% | 4,445 |
| Net loans and leases to core deposits | 70.2043% | 4,248 |
| Total domestic deposits to total assets | 87.2456% | 2,688 |
| Equity capital to assets | 11.1247% | 2,632 |
| Core capital (leverage) ratio | 11.1817% | 2,190 |
| Tier 1 risk-based capital ratio | 16.2924% | 3,042 |
| Total risk-based capital ratio | 17.5442% | 2,994 |
| Memoranda: | ||
| Average total assets | $340,988,000 | 1,906 |
| Average earning assets | $322,115,000 | 1,855 |
| Average equity | $38,015,000 | 1,844 |
| Average total loans | $185,601,000 | 2,148 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 3,800 |
| Cost of funding earning assets | 0.9070% | 955 |
| Net interest margin | 3.1739% | 5,019 |
| Noninterest income to average assets | 0.6121% | 3,071 |
| Noninterest expense to average assets | 2.3552% | 5,258 |
| Loan and lease loss provision to assets | 0.1222% | 2,701 |
| Net operating income to assets | 0.7251% | 3,566 |
| Return on assets (ROA) | 0.7296% | 3,680 |
| Pretax return on assets | 1.1427% | 2,803 |
| Return on Equity (ROE) | 6.5375% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.5375% | 2,395 |
| Net charge-offs to loans | 0.1272% | 2,657 |
| Credit loss provision to net charge-offs | 181.0345% | 1,180 |
| Earnings coverage of net charge-offs (x) | 18.6379% | 1,253 |
| Efficiency ratio | 65.1852% | 4,797 |
| Assets per employee ($millions) | 8.4835% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 2,735 |
| Loan loss allowance to noncurrent loans | 651.3185% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.4871% | 5,163 |
| Noncurrent loans to loans | 0.2718% | 5,724 |
| Net loans and leases to total assets | 52.5032% | 4,620 |
| Net loans and leases to deposits | 60.1229% | 4,779 |
| Net loans and leases to core deposits | 65.3947% | 4,603 |
| Total domestic deposits to total assets | 87.3265% | 2,737 |
| Equity capital to assets | 11.3848% | 2,544 |
| Core capital (leverage) ratio | 10.9284% | 2,325 |
| Tier 1 risk-based capital ratio | 16.7579% | 2,880 |
| Total risk-based capital ratio | 18.0099% | 2,846 |
| Memoranda: | ||
| Average total assets | $343,751,500 | 1,917 |
| Average earning assets | $325,024,500 | 1,859 |
| Average equity | $38,363,000 | 1,853 |
| Average total loans | $182,429,500 | 2,186 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 4,700 |
| Cost of funding earning assets | 1.0205% | 1,251 |
| Net interest margin | 3.1476% | 5,699 |
| Noninterest income to average assets | 0.4821% | 4,027 |
| Noninterest expense to average assets | 2.2254% | 5,867 |
| Loan and lease loss provision to assets | 0.2210% | 2,922 |
| Net operating income to assets | 0.6521% | 3,975 |
| Return on assets (ROA) | 0.6723% | 4,143 |
| Pretax return on assets | 1.0311% | 3,430 |
| Return on Equity (ROE) | 6.2646% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.2646% | 1,940 |
| Net charge-offs to loans | -0.0519% | 6,715 |
| Credit loss provision to net charge-offs | -883.7209% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5714% | 4,785 |
| Assets per employee ($millions) | 9.1622% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7244% | 2,839 |
| Loan loss allowance to noncurrent loans | 65.2640% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 1.7374% | 2,785 |
| Noncurrent loans to loans | 2.6422% | 2,004 |
| Net loans and leases to total assets | 51.7917% | 4,956 |
| Net loans and leases to deposits | 58.9701% | 5,129 |
| Net loans and leases to core deposits | 64.6109% | 4,887 |
| Total domestic deposits to total assets | 87.8270% | 2,329 |
| Equity capital to assets | 10.9411% | 3,025 |
| Core capital (leverage) ratio | 10.8169% | 2,424 |
| Tier 1 risk-based capital ratio | 16.4196% | 2,932 |
| Total risk-based capital ratio | 17.6716% | 2,897 |
| Memoranda: | ||
| Average total assets | $343,900,400 | 1,884 |
| Average earning assets | $323,862,000 | 1,837 |
| Average equity | $36,905,800 | 1,881 |
| Average total loans | $165,626,600 | 2,353 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2032% | 4,808 |
| Cost of funding earning assets | 1.0469% | 1,297 |
| Net interest margin | 3.1564% | 5,807 |
| Noninterest income to average assets | 0.3002% | 5,379 |
| Noninterest expense to average assets | 2.2731% | 5,762 |
| Loan and lease loss provision to assets | 0.2956% | 2,225 |
| Net operating income to assets | 0.4742% | 4,932 |
| Return on assets (ROA) | 0.4986% | 5,112 |
| Pretax return on assets | 0.7362% | 4,719 |
| Return on Equity (ROE) | 4.6690% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.6690% | 3,609 |
| Net charge-offs to loans | -0.0579% | 6,745 |
| Credit loss provision to net charge-offs | -1,085.7143% | 6,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5337% | 3,781 |
| Assets per employee ($millions) | 8.8791% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,681 |
| Loan loss allowance to noncurrent loans | 61.2213% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.1564% | 2,483 |
| Noncurrent loans to loans | 3.0015% | 1,863 |
| Net loans and leases to total assets | 49.8416% | 5,329 |
| Net loans and leases to deposits | 56.9383% | 5,542 |
| Net loans and leases to core deposits | 62.8164% | 5,278 |
| Total domestic deposits to total assets | 87.5361% | 2,327 |
| Equity capital to assets | 11.1832% | 3,057 |
| Core capital (leverage) ratio | 10.4699% | 2,954 |
| Tier 1 risk-based capital ratio | 16.6956% | 2,898 |
| Total risk-based capital ratio | 17.9483% | 2,860 |
| Memoranda: | ||
| Average total assets | $342,834,500 | 1,905 |
| Average earning assets | $322,473,000 | 1,860 |
| Average equity | $36,609,000 | 1,913 |
| Average total loans | $161,162,250 | 2,438 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 5,043 |
| Cost of funding earning assets | 1.0767% | 1,326 |
| Net interest margin | 3.0968% | 6,017 |
| Noninterest income to average assets | 0.3163% | 5,292 |
| Noninterest expense to average assets | 2.2330% | 5,917 |
| Loan and lease loss provision to assets | 0.3598% | 1,838 |
| Net operating income to assets | 0.4248% | 5,129 |
| Return on assets (ROA) | 0.4555% | 5,249 |
| Pretax return on assets | 0.6836% | 4,874 |
| Return on Equity (ROE) | 4.3329% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.3329% | 3,732 |
| Net charge-offs to loans | -0.0152% | 6,371 |
| Credit loss provision to net charge-offs | -5,166.6667% | 6,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1216% | 3,910 |
| Assets per employee ($millions) | 10.1057% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 2,986 |
| Loan loss allowance to noncurrent loans | 46.4409% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 2.2957% | 2,440 |
| Noncurrent loans to loans | 3.7893% | 1,481 |
| Net loans and leases to total assets | 46.5441% | 5,776 |
| Net loans and leases to deposits | 54.2472% | 5,843 |
| Net loans and leases to core deposits | 59.5457% | 5,638 |
| Total domestic deposits to total assets | 85.8001% | 3,455 |
| Equity capital to assets | 10.4213% | 3,783 |
| Core capital (leverage) ratio | 10.2146% | 3,122 |
| Tier 1 risk-based capital ratio | 16.5508% | 2,886 |
| Total risk-based capital ratio | 17.8021% | 2,847 |
| Memoranda: | ||
| Average total assets | $344,643,670 | 1,894 |
| Average earning assets | $324,334,670 | 1,850 |
| Average equity | $36,234,330 | 1,923 |
| Average total loans | $157,777,330 | 2,493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 4,882 |
| Cost of funding earning assets | 1.1184% | 1,306 |
| Net interest margin | 3.1437% | 5,921 |
| Noninterest income to average assets | 0.1599% | 6,426 |
| Noninterest expense to average assets | 2.2451% | 5,923 |
| Loan and lease loss provision to assets | 0.2470% | 2,491 |
| Net operating income to assets | 0.3728% | 5,377 |
| Return on assets (ROA) | 0.3728% | 5,558 |
| Pretax return on assets | 0.6233% | 5,035 |
| Return on Equity (ROE) | 3.5299% | 5,497 |
| Retained earnings to average equity (ytd only) | 3.5299% | 4,466 |
| Net charge-offs to loans | -0.0235% | 6,236 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0649% | 3,430 |
| Assets per employee ($millions) | 9.5835% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 3,667 |
| Loan loss allowance to noncurrent loans | 38.2193% | 5,712 |
| Noncurrent assets plus other real estate owned to assets | 2.4388% | 2,423 |
| Noncurrent loans to loans | 4.2271% | 1,424 |
| Net loans and leases to total assets | 44.7807% | 5,918 |
| Net loans and leases to deposits | 52.0353% | 5,964 |
| Net loans and leases to core deposits | 57.3226% | 5,779 |
| Total domestic deposits to total assets | 86.0582% | 3,495 |
| Equity capital to assets | 10.4871% | 3,504 |
| Core capital (leverage) ratio | 10.1890% | 3,123 |
| Tier 1 risk-based capital ratio | 17.2697% | 2,569 |
| Total risk-based capital ratio | 18.5196% | 2,542 |
| Memoranda: | ||
| Average total assets | $340,116,000 | 1,928 |
| Average earning assets | $319,754,500 | 1,881 |
| Average equity | $35,921,500 | 1,935 |
| Average total loans | $152,878,500 | 2,588 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4590% | 5,222 |
| Cost of funding earning assets | 1.3104% | 1,432 |
| Net interest margin | 3.1486% | 6,220 |
| Noninterest income to average assets | -0.2590% | 7,181 |
| Noninterest expense to average assets | 2.0826% | 6,526 |
| Loan and lease loss provision to assets | 0.3124% | 3,172 |
| Net operating income to assets | 0.8281% | 2,918 |
| Return on assets (ROA) | 0.9498% | 2,535 |
| Pretax return on assets | 0.4055% | 5,281 |
| Return on Equity (ROE) | 8.7668% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.7668% | 866 |
| Net charge-offs to loans | 0.8643% | 2,006 |
| Credit loss provision to net charge-offs | 79.9012% | 4,460 |
| Earnings coverage of net charge-offs (x) | 1.5247% | 4,635 |
| Efficiency ratio | 77.7444% | 2,624 |
| Assets per employee ($millions) | 9.0602% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 3,763 |
| Loan loss allowance to noncurrent loans | 33.5748% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 2.5663% | 2,362 |
| Noncurrent loans to loans | 4.6401% | 1,276 |
| Net loans and leases to total assets | 43.6741% | 6,240 |
| Net loans and leases to deposits | 50.7120% | 6,313 |
| Net loans and leases to core deposits | 55.6755% | 6,178 |
| Total domestic deposits to total assets | 86.1219% | 3,248 |
| Equity capital to assets | 10.6382% | 3,379 |
| Core capital (leverage) ratio | 10.5046% | 2,726 |
| Tier 1 risk-based capital ratio | 17.9246% | 2,221 |
| Total risk-based capital ratio | 19.1207% | 2,211 |
| Memoranda: | ||
| Average total assets | $310,479,600 | 2,065 |
| Average earning assets | $289,682,600 | 2,026 |
| Average equity | $33,638,400 | 1,981 |
| Average total loans | $140,462,800 | 2,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5242% | 5,184 |
| Cost of funding earning assets | 1.3532% | 1,442 |
| Net interest margin | 3.1711% | 6,229 |
| Noninterest income to average assets | 0.0044% | 7,092 |
| Noninterest expense to average assets | 2.2048% | 6,266 |
| Loan and lease loss provision to assets | 0.3374% | 2,857 |
| Net operating income to assets | 0.4054% | 4,968 |
| Return on assets (ROA) | 0.4092% | 5,146 |
| Pretax return on assets | 0.4202% | 5,405 |
| Return on Equity (ROE) | 3.7585% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.7585% | 4,072 |
| Net charge-offs to loans | 0.6667% | 2,246 |
| Credit loss provision to net charge-offs | 111.2717% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.4856% | 3,886 |
| Efficiency ratio | 74.5261% | 3,081 |
| Assets per employee ($millions) | 8.9136% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8342% | 2,819 |
| Loan loss allowance to noncurrent loans | 35.1164% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 3.1587% | 2,025 |
| Noncurrent loans to loans | 5.2232% | 1,172 |
| Net loans and leases to total assets | 44.0146% | 6,332 |
| Net loans and leases to deposits | 50.9484% | 6,448 |
| Net loans and leases to core deposits | 55.8456% | 6,330 |
| Total domestic deposits to total assets | 86.3906% | 2,989 |
| Equity capital to assets | 10.7370% | 3,433 |
| Core capital (leverage) ratio | 10.2938% | 3,091 |
| Tier 1 risk-based capital ratio | 17.8900% | 2,294 |
| Total risk-based capital ratio | 19.1424% | 2,258 |
| Memoranda: | ||
| Average total assets | $304,293,000 | 2,113 |
| Average earning assets | $283,474,000 | 2,076 |
| Average equity | $33,132,500 | 2,009 |
| Average total loans | $138,397,500 | 2,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 5,248 |
| Cost of funding earning assets | 1.4001% | 1,419 |
| Net interest margin | 3.1341% | 6,322 |
| Noninterest income to average assets | 0.1453% | 6,600 |
| Noninterest expense to average assets | 2.2439% | 6,259 |
| Loan and lease loss provision to assets | 0.3280% | 2,820 |
| Net operating income to assets | 0.4822% | 4,584 |
| Return on assets (ROA) | 0.4880% | 4,694 |
| Pretax return on assets | 0.5014% | 5,070 |
| Return on Equity (ROE) | 4.4598% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.4598% | 3,354 |
| Net charge-offs to loans | 0.1874% | 4,035 |
| Credit loss provision to net charge-offs | 382.8125% | 787 |
| Earnings coverage of net charge-offs (x) | 9.6094% | 1,900 |
| Efficiency ratio | 73.1558% | 3,519 |
| Assets per employee ($millions) | 9.8358% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 2,120 |
| Loan loss allowance to noncurrent loans | 94.7778% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 3,271 |
| Noncurrent loans to loans | 2.2174% | 3,209 |
| Net loans and leases to total assets | 44.6401% | 6,378 |
| Net loans and leases to deposits | 51.8453% | 6,483 |
| Net loans and leases to core deposits | 55.8821% | 6,423 |
| Total domestic deposits to total assets | 86.1025% | 3,266 |
| Equity capital to assets | 11.0787% | 2,877 |
| Core capital (leverage) ratio | 10.8251% | 2,396 |
| Tier 1 risk-based capital ratio | 18.0829% | 2,149 |
| Total risk-based capital ratio | 19.3374% | 2,099 |
| Memoranda: | ||
| Average total assets | $298,761,000 | 2,156 |
| Average earning assets | $278,547,670 | 2,116 |
| Average equity | $32,692,000 | 2,017 |
| Average total loans | $136,571,000 | 2,925 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 5,468 |
| Cost of funding earning assets | 1.4467% | 1,402 |
| Net interest margin | 3.0181% | 6,541 |
| Noninterest income to average assets | 0.1380% | 6,720 |
| Noninterest expense to average assets | 2.2619% | 6,279 |
| Loan and lease loss provision to assets | 0.2841% | 2,873 |
| Net operating income to assets | 0.4085% | 4,910 |
| Return on assets (ROA) | 0.4085% | 4,998 |
| Pretax return on assets | 0.4085% | 5,316 |
| Return on Equity (ROE) | 3.7576% | 5,016 |
| Retained earnings to average equity (ytd only) | 3.7576% | 3,915 |
| Net charge-offs to loans | -0.0118% | 6,410 |
| Credit loss provision to net charge-offs | -5,250.0000% | 6,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5568% | 3,061 |
| Assets per employee ($millions) | 10.0644% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0202% | 2,357 |
| Loan loss allowance to noncurrent loans | 107.3529% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.8269% | 3,531 |
| Noncurrent loans to loans | 1.8818% | 3,721 |
| Net loans and leases to total assets | 44.5602% | 6,423 |
| Net loans and leases to deposits | 51.3537% | 6,524 |
| Net loans and leases to core deposits | 55.7398% | 6,433 |
| Total domestic deposits to total assets | 86.7712% | 3,079 |
| Equity capital to assets | 10.7060% | 2,984 |
| Core capital (leverage) ratio | 10.7724% | 2,383 |
| Tier 1 risk-based capital ratio | 18.0433% | 2,098 |
| Total risk-based capital ratio | 19.2973% | 2,066 |
| Memoranda: | ||
| Average total assets | $295,686,500 | 2,188 |
| Average earning assets | $275,931,000 | 2,150 |
| Average equity | $32,148,000 | 2,036 |
| Average total loans | $135,339,500 | 2,978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8463% | 5,247 |
| Cost of funding earning assets | 1.7853% | 1,227 |
| Net interest margin | 3.0610% | 6,616 |
| Noninterest income to average assets | 0.0911% | 6,943 |
| Noninterest expense to average assets | 2.3312% | 6,269 |
| Loan and lease loss provision to assets | 0.6747% | 2,442 |
| Net operating income to assets | -0.0801% | 5,958 |
| Return on assets (ROA) | 0.0450% | 5,853 |
| Pretax return on assets | 0.0450% | 5,803 |
| Return on Equity (ROE) | 0.3586% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.3586% | 5,397 |
| Net charge-offs to loans | 1.3772% | 1,621 |
| Credit loss provision to net charge-offs | 96.0674% | 4,835 |
| Earnings coverage of net charge-offs (x) | 0.8466% | 5,285 |
| Efficiency ratio | 79.6763% | 2,458 |
| Assets per employee ($millions) | 9.9807% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9203% | 2,503 |
| Loan loss allowance to noncurrent loans | 106.1774% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.8463% | 3,564 |
| Noncurrent loans to loans | 1.8086% | 3,804 |
| Net loans and leases to total assets | 45.1914% | 6,622 |
| Net loans and leases to deposits | 52.3424% | 6,720 |
| Net loans and leases to core deposits | 55.5008% | 6,721 |
| Total domestic deposits to total assets | 86.3381% | 3,174 |
| Equity capital to assets | 11.0458% | 2,645 |
| Core capital (leverage) ratio | 10.9332% | 2,210 |
| Tier 1 risk-based capital ratio | 18.1131% | 1,966 |
| Total risk-based capital ratio | 19.3656% | 1,931 |
| Memoranda: | ||
| Average total assets | $253,431,400 | 2,514 |
| Average earning assets | $234,692,400 | 2,485 |
| Average equity | $31,787,800 | 2,065 |
| Average total loans | $129,246,600 | 3,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9027% | 5,253 |
| Cost of funding earning assets | 1.8278% | 1,313 |
| Net interest margin | 3.0749% | 6,670 |
| Noninterest income to average assets | 0.1096% | 6,998 |
| Noninterest expense to average assets | 2.4841% | 5,767 |
| Loan and lease loss provision to assets | 0.6764% | 2,262 |
| Net operating income to assets | -0.2089% | 6,333 |
| Return on assets (ROA) | -0.0436% | 6,197 |
| Pretax return on assets | -0.0436% | 6,157 |
| Return on Equity (ROE) | -0.3360% | 6,190 |
| Retained earnings to average equity (ytd only) | -0.3360% | 5,870 |
| Net charge-offs to loans | 1.0680% | 1,902 |
| Credit loss provision to net charge-offs | 120.7400% | 3,415 |
| Earnings coverage of net charge-offs (x) | 0.8345% | 5,222 |
| Efficiency ratio | 84.1619% | 1,819 |
| Assets per employee ($millions) | 9.7623% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1252% | 1,940 |
| Loan loss allowance to noncurrent loans | 75.9210% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.8509% | 3,678 |
| Noncurrent loans to loans | 2.7993% | 2,848 |
| Net loans and leases to total assets | 46.2638% | 6,676 |
| Net loans and leases to deposits | 54.3665% | 6,739 |
| Net loans and leases to core deposits | 57.5873% | 6,757 |
| Total domestic deposits to total assets | 85.0961% | 3,574 |
| Equity capital to assets | 11.3095% | 2,696 |
| Core capital (leverage) ratio | 11.8105% | 1,760 |
| Tier 1 risk-based capital ratio | 17.9852% | 2,027 |
| Total risk-based capital ratio | 19.2400% | 1,991 |
| Memoranda: | ||
| Average total assets | $244,429,250 | 2,644 |
| Average earning assets | $225,909,500 | 2,597 |
| Average equity | $31,742,000 | 2,083 |
| Average total loans | $128,217,500 | 3,200 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 5,440 |
| Cost of funding earning assets | 1.8434% | 1,460 |
| Net interest margin | 3.0457% | 6,735 |
| Noninterest income to average assets | 0.1062% | 7,070 |
| Noninterest expense to average assets | 2.5974% | 5,333 |
| Loan and lease loss provision to assets | 0.8638% | 1,687 |
| Net operating income to assets | -0.5364% | 6,683 |
| Return on assets (ROA) | -0.2747% | 6,491 |
| Pretax return on assets | -0.2747% | 6,397 |
| Return on Equity (ROE) | -2.0095% | 6,421 |
| Retained earnings to average equity (ytd only) | -2.0095% | 6,148 |
| Net charge-offs to loans | 0.5857% | 2,774 |
| Credit loss provision to net charge-offs | 270.2703% | 1,397 |
| Earnings coverage of net charge-offs (x) | 1.0243% | 4,763 |
| Efficiency ratio | 88.8069% | 1,434 |
| Assets per employee ($millions) | 9.2840% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4536% | 1,363 |
| Loan loss allowance to noncurrent loans | 46.6381% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 2.7885% | 2,591 |
| Noncurrent loans to loans | 5.2609% | 1,287 |
| Net loans and leases to total assets | 51.7040% | 6,244 |
| Net loans and leases to deposits | 62.2537% | 6,212 |
| Net loans and leases to core deposits | 65.9714% | 6,248 |
| Total domestic deposits to total assets | 83.0537% | 4,547 |
| Equity capital to assets | 12.8077% | 1,650 |
| Core capital (leverage) ratio | 13.7011% | 1,000 |
| Tier 1 risk-based capital ratio | 19.2026% | 1,675 |
| Total risk-based capital ratio | 20.4620% | 1,631 |
| Memoranda: | ||
| Average total assets | $231,536,670 | 2,784 |
| Average earning assets | $214,272,670 | 2,760 |
| Average equity | $31,650,000 | 2,087 |
| Average total loans | $126,350,000 | 3,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 5,003 |
| Cost of funding earning assets | 1.8506% | 1,655 |
| Net interest margin | 3.1542% | 6,438 |
| Noninterest income to average assets | 0.0883% | 7,266 |
| Noninterest expense to average assets | 2.6670% | 5,072 |
| Loan and lease loss provision to assets | 1.0632% | 1,163 |
| Net operating income to assets | -0.7118% | 6,959 |
| Return on assets (ROA) | -0.5100% | 6,864 |
| Pretax return on assets | -0.5100% | 6,793 |
| Return on Equity (ROE) | -3.6025% | 6,791 |
| Retained earnings to average equity (ytd only) | -3.6025% | 6,448 |
| Net charge-offs to loans | 0.3087% | 3,180 |
| Credit loss provision to net charge-offs | 621.0526% | 704 |
| Earnings coverage of net charge-offs (x) | 2.0526% | 3,515 |
| Efficiency ratio | 88.3582% | 1,553 |
| Assets per employee ($millions) | 8.6345% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5111% | 1,279 |
| Loan loss allowance to noncurrent loans | 54.4599% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 2.4621% | 2,948 |
| Noncurrent loans to loans | 4.6110% | 1,612 |
| Net loans and leases to total assets | 52.0563% | 6,266 |
| Net loans and leases to deposits | 63.7124% | 6,080 |
| Net loans and leases to core deposits | 67.8542% | 6,116 |
| Total domestic deposits to total assets | 81.7052% | 5,195 |
| Equity capital to assets | 13.5061% | 1,325 |
| Core capital (leverage) ratio | 14.0011% | 965 |
| Tier 1 risk-based capital ratio | 19.8150% | 1,555 |
| Total risk-based capital ratio | 21.0742% | 1,521 |
| Memoranda: | ||
| Average total assets | $221,970,500 | 2,965 |
| Average earning assets | $206,202,000 | 2,920 |
| Average equity | $31,422,500 | 2,117 |
| Average total loans | $123,092,000 | 3,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 5,130 |
| Cost of funding earning assets | 2.0128% | 2,904 |
| Net interest margin | 3.2963% | 5,764 |
| Noninterest income to average assets | 0.0428% | 7,529 |
| Noninterest expense to average assets | 3.3884% | 2,722 |
| Loan and lease loss provision to assets | 1.4664% | 1,575 |
| Net operating income to assets | -1.7591% | 6,996 |
| Return on assets (ROA) | -1.6144% | 6,919 |
| Pretax return on assets | -1.6144% | 6,769 |
| Return on Equity (ROE) | -7.7195% | 6,444 |
| Retained earnings to average equity (ytd only) | -7.7195% | 6,311 |
| Net charge-offs to loans | 0.5343% | 3,645 |
| Credit loss provision to net charge-offs | 465.9794% | 665 |
| Earnings coverage of net charge-offs (x) | -0.9299% | 6,870 |
| Efficiency ratio | 109.4529% | 807 |
| Assets per employee ($millions) | 7.8077% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1611% | 1,712 |
| Loan loss allowance to noncurrent loans | 72.8330% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 3,799 |
| Noncurrent loans to loans | 2.9672% | 2,592 |
| Net loans and leases to total assets | 56.4815% | 5,892 |
| Net loans and leases to deposits | 69.7626% | 5,636 |
| Net loans and leases to core deposits | 93.1070% | 4,769 |
| Total domestic deposits to total assets | 80.9624% | 5,352 |
| Equity capital to assets | 14.8751% | 936 |
| Core capital (leverage) ratio | 16.5878% | 542 |
| Tier 1 risk-based capital ratio | 21.3201% | 1,245 |
| Total risk-based capital ratio | 22.5773% | 1,215 |
| Memoranda: | ||
| Average total assets | $154,115,200 | 3,895 |
| Average earning assets | $142,735,600 | 3,844 |
| Average equity | $32,230,000 | 2,073 |
| Average total loans | $90,775,800 | 4,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 5,251 |
| Cost of funding earning assets | 2.0081% | 3,321 |
| Net interest margin | 3.3261% | 5,539 |
| Noninterest income to average assets | 0.0438% | 7,672 |
| Noninterest expense to average assets | 3.7310% | 1,749 |
| Loan and lease loss provision to assets | 1.0957% | 1,785 |
| Net operating income to assets | -1.7197% | 7,203 |
| Return on assets (ROA) | -1.5073% | 7,113 |
| Pretax return on assets | -1.5073% | 6,967 |
| Return on Equity (ROE) | -6.5005% | 6,606 |
| Retained earnings to average equity (ytd only) | -6.5005% | 6,445 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.0859% | 587 |
| Assets per employee ($millions) | 6.8193% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 2,127 |
| Loan loss allowance to noncurrent loans | 218.4096% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 6,169 |
| Noncurrent loans to loans | 0.8524% | 5,595 |
| Net loans and leases to total assets | 59.6113% | 5,645 |
| Net loans and leases to deposits | 76.8077% | 4,926 |
| Net loans and leases to core deposits | 107.4772% | 3,537 |
| Total domestic deposits to total assets | 77.6111% | 6,189 |
| Equity capital to assets | 18.1673% | 501 |
| Core capital (leverage) ratio | 20.3776% | 291 |
| Tier 1 risk-based capital ratio | 25.5238% | 853 |
| Total risk-based capital ratio | 26.7581% | 837 |
| Memoranda: | ||
| Average total assets | $139,941,750 | 4,138 |
| Average earning assets | $128,875,000 | 4,130 |
| Average equity | $32,448,000 | 2,082 |
| Average total loans | $83,045,250 | 4,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3883% | 5,214 |
| Cost of funding earning assets | 1.9782% | 3,878 |
| Net interest margin | 3.4101% | 5,123 |
| Noninterest income to average assets | 0.0471% | 7,746 |
| Noninterest expense to average assets | 4.0710% | 1,229 |
| Loan and lease loss provision to assets | 0.9726% | 1,736 |
| Net operating income to assets | -1.8731% | 7,392 |
| Return on assets (ROA) | -1.5233% | 7,263 |
| Pretax return on assets | -1.5233% | 7,097 |
| Return on Equity (ROE) | -5.9704% | 6,706 |
| Retained earnings to average equity (ytd only) | -5.9704% | 6,444 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.4018% | 538 |
| Assets per employee ($millions) | 5.7194% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 2,206 |
| Loan loss allowance to noncurrent loans | 159.9783% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.6448% | 5,804 |
| Noncurrent loans to loans | 1.0886% | 5,019 |
| Net loans and leases to total assets | 58.2016% | 5,936 |
| Net loans and leases to deposits | 79.7575% | 4,578 |
| Net loans and leases to core deposits | 110.1494% | 3,356 |
| Total domestic deposits to total assets | 72.9732% | 7,113 |
| Equity capital to assets | 22.5074% | 268 |
| Core capital (leverage) ratio | 23.0045% | 248 |
| Tier 1 risk-based capital ratio | 32.4086% | 486 |
| Total risk-based capital ratio | 33.6616% | 474 |
| Memoranda: | ||
| Average total assets | $127,488,330 | 4,442 |
| Average earning assets | $116,770,670 | 4,451 |
| Average equity | $32,527,000 | 2,088 |
| Average total loans | $74,828,000 | 4,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 5,829 |
| Cost of funding earning assets | 1.9168% | 4,546 |
| Net interest margin | 3.3979% | 5,146 |
| Noninterest income to average assets | 0.0468% | 7,854 |
| Noninterest expense to average assets | 4.1757% | 970 |
| Loan and lease loss provision to assets | 1.2360% | 1,047 |
| Net operating income to assets | -2.2382% | 7,715 |
| Return on assets (ROA) | -1.5634% | 7,528 |
| Pretax return on assets | -1.5634% | 7,394 |
| Return on Equity (ROE) | -5.7249% | 7,039 |
| Retained earnings to average equity (ytd only) | -5.7249% | 6,649 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5789% | 490 |
| Assets per employee ($millions) | 5.5238% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.0348% | 5,935 |
| Net loans and leases to deposits | 80.8137% | 4,489 |
| Net loans and leases to core deposits | 113.6699% | 3,038 |
| Total domestic deposits to total assets | 71.8130% | 7,238 |
| Equity capital to assets | 25.5242% | 214 |
| Core capital (leverage) ratio | 28.7935% | 169 |
| Tier 1 risk-based capital ratio | 36.8810% | 382 |
| Total risk-based capital ratio | 38.1329% | 378 |
| Memoranda: | ||
| Average total assets | $119,740,500 | 4,664 |
| Average earning assets | $110,186,000 | 4,632 |
| Average equity | $32,699,500 | 2,073 |
| Average total loans | $69,895,000 | 4,987 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2991% | 7,596 |
| Cost of funding earning assets | 1.6485% | 7,356 |
| Net interest margin | 3.6505% | 4,676 |
| Noninterest income to average assets | 0.1131% | 7,557 |
| Noninterest expense to average assets | 6.0258% | 401 |
| Loan and lease loss provision to assets | 1.0631% | 1,371 |
| Net operating income to assets | -3.6255% | 7,932 |
| Return on assets (ROA) | -3.6392% | 7,913 |
| Pretax return on assets | -3.6392% | 7,833 |
| Return on Equity (ROE) | -7.9209% | 7,119 |
| Retained earnings to average equity (ytd only) | -7.9209% | 6,880 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.9866% | 271 |
| Assets per employee ($millions) | 5.1106% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 3,657 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 56.9032% | 6,342 |
| Net loans and leases to deposits | 92.5072% | 3,051 |
| Net loans and leases to core deposits | 126.9858% | 2,084 |
| Total domestic deposits to total assets | 61.5122% | 7,907 |
| Equity capital to assets | 29.3250% | 182 |
| Core capital (leverage) ratio | 32.2189% | 160 |
| Tier 1 risk-based capital ratio | 41.2696% | 310 |
| Total risk-based capital ratio | 42.3453% | 305 |
| Memoranda: | ||
| Average total assets | $73,368,200 | 5,927 |
| Average earning assets | $67,332,600 | 5,914 |
| Average equity | $33,708,200 | 2,010 |
| Average total loans | $34,803,200 | 6,441 |