Home > LAFAYETTE COMMUNITY BANK > Performance and Condition Ratios
LAFAYETTE COMMUNITY BANK, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9093% | 3,526 |
| Cost of funding earning assets | 0.3119% | 3,959 |
| Net interest margin | 3.5974% | 3,051 |
| Noninterest income to average assets | 0.3550% | 4,019 |
| Noninterest expense to average assets | 2.8365% | 2,631 |
| Loan and lease loss provision to assets | 0.0629% | 2,713 |
| Net operating income to assets | 0.5344% | 4,593 |
| Return on assets (ROA) | 0.5557% | 4,539 |
| Pretax return on assets | 0.8715% | 4,029 |
| Return on Equity (ROE) | 4.8214% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.8214% | 2,831 |
| Net charge-offs to loans | 0.2489% | 820 |
| Credit loss provision to net charge-offs | 31.3609% | 2,714 |
| Earnings coverage of net charge-offs (x) | 4.4911% | 2,923 |
| Efficiency ratio | 75.8895% | 1,740 |
| Assets per employee ($millions) | 4.5235% | 3,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,518 |
| Loan loss allowance to noncurrent loans | 63.9658% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 1,032 |
| Noncurrent loans to loans | 1.4519% | 1,306 |
| Net loans and leases to total assets | 81.0063% | 814 |
| Net loans and leases to deposits | 91.9948% | 1,496 |
| Net loans and leases to core deposits | 96.0035% | 1,978 |
| Total domestic deposits to total assets | 88.0553% | 1,430 |
| Equity capital to assets | 11.7637% | 2,104 |
| Core capital (leverage) ratio | 11.3750% | 2,070 |
| Tier 1 risk-based capital ratio | 14.6239% | 3,102 |
| Total risk-based capital ratio | 15.5720% | 3,180 |
| Memoranda: | ||
| Average total assets | $168,448,670 | 3,303 |
| Average earning assets | $158,391,670 | 3,267 |
| Average equity | $19,413,330 | 3,231 |
| Average total loans | $135,778,670 | 2,859 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 3,608 |
| Cost of funding earning assets | 0.3068% | 3,973 |
| Net interest margin | 3.5361% | 3,143 |
| Noninterest income to average assets | 0.4095% | 3,593 |
| Noninterest expense to average assets | 2.8120% | 2,748 |
| Loan and lease loss provision to assets | 0.0544% | 2,716 |
| Net operating income to assets | 0.5453% | 4,402 |
| Return on assets (ROA) | 0.5468% | 4,435 |
| Pretax return on assets | 0.8734% | 3,855 |
| Return on Equity (ROE) | 4.7936% | 4,487 |
| Retained earnings to average equity (ytd only) | 4.7936% | 3,019 |
| Net charge-offs to loans | 0.4939% | 372 |
| Credit loss provision to net charge-offs | 13.7725% | 2,204 |
| Earnings coverage of net charge-offs (x) | 2.3413% | 2,606 |
| Efficiency ratio | 75.2375% | 2,031 |
| Assets per employee ($millions) | 4.1876% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,713 |
| Loan loss allowance to noncurrent loans | 59.1623% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5202% | 1,045 |
| Noncurrent loans to loans | 1.5409% | 1,278 |
| Net loans and leases to total assets | 78.6916% | 1,030 |
| Net loans and leases to deposits | 90.5331% | 1,472 |
| Net loans and leases to core deposits | 95.0213% | 1,894 |
| Total domestic deposits to total assets | 86.9203% | 2,255 |
| Equity capital to assets | 11.2998% | 2,353 |
| Core capital (leverage) ratio | 11.4240% | 2,004 |
| Tier 1 risk-based capital ratio | 14.1867% | 3,369 |
| Total risk-based capital ratio | 15.0986% | 3,484 |
| Memoranda: | ||
| Average total assets | $168,987,500 | 3,324 |
| Average earning assets | $159,045,000 | 3,282 |
| Average equity | $19,275,500 | 3,257 |
| Average total loans | $135,242,000 | 2,885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 4,432 |
| Cost of funding earning assets | 0.2778% | 4,272 |
| Net interest margin | 3.3534% | 3,987 |
| Noninterest income to average assets | 0.4045% | 3,840 |
| Noninterest expense to average assets | 2.8274% | 2,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4519% | 4,793 |
| Return on assets (ROA) | 0.5382% | 4,577 |
| Pretax return on assets | 0.8597% | 3,976 |
| Return on Equity (ROE) | 4.8039% | 4,513 |
| Retained earnings to average equity (ytd only) | 4.8039% | 2,469 |
| Net charge-offs to loans | -0.0207% | 5,138 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5936% | 1,469 |
| Assets per employee ($millions) | 4.1571% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 4,115 |
| Loan loss allowance to noncurrent loans | 68.6634% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.5257% | 1,078 |
| Noncurrent loans to loans | 1.5060% | 1,327 |
| Net loans and leases to total assets | 79.8319% | 919 |
| Net loans and leases to deposits | 94.3958% | 1,159 |
| Net loans and leases to core deposits | 97.0507% | 1,832 |
| Total domestic deposits to total assets | 84.5714% | 3,217 |
| Equity capital to assets | 11.5166% | 2,152 |
| Core capital (leverage) ratio | 11.1412% | 2,217 |
| Tier 1 risk-based capital ratio | 14.1219% | 3,398 |
| Total risk-based capital ratio | 15.1472% | 3,438 |
| Memoranda: | ||
| Average total assets | $167,608,000 | 3,314 |
| Average earning assets | $157,333,400 | 3,275 |
| Average equity | $18,776,400 | 3,302 |
| Average total loans | $120,975,400 | 3,056 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5607% | 4,652 |
| Cost of funding earning assets | 0.2734% | 4,351 |
| Net interest margin | 3.2872% | 4,226 |
| Noninterest income to average assets | 0.3676% | 4,146 |
| Noninterest expense to average assets | 2.7866% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4129% | 4,975 |
| Return on assets (ROA) | 0.5343% | 4,660 |
| Pretax return on assets | 0.8535% | 4,144 |
| Return on Equity (ROE) | 4.8028% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.8028% | 2,955 |
| Net charge-offs to loans | -0.0215% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7639% | 1,330 |
| Assets per employee ($millions) | 4.3156% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 4,001 |
| Loan loss allowance to noncurrent loans | 72.1294% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.4112% | 1,314 |
| Noncurrent loans to loans | 1.4876% | 1,445 |
| Net loans and leases to total assets | 73.8109% | 1,898 |
| Net loans and leases to deposits | 83.2088% | 2,582 |
| Net loans and leases to core deposits | 87.0845% | 2,837 |
| Total domestic deposits to total assets | 88.7056% | 1,046 |
| Equity capital to assets | 11.0262% | 2,979 |
| Core capital (leverage) ratio | 10.9135% | 2,546 |
| Tier 1 risk-based capital ratio | 13.7475% | 3,707 |
| Total risk-based capital ratio | 14.7567% | 3,763 |
| Memoranda: | ||
| Average total assets | $167,939,500 | 3,327 |
| Average earning assets | $157,493,750 | 3,287 |
| Average equity | $18,683,000 | 3,346 |
| Average total loans | $117,686,000 | 3,107 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,883 |
| Cost of funding earning assets | 0.2682% | 4,463 |
| Net interest margin | 3.2259% | 4,463 |
| Noninterest income to average assets | 0.3390% | 4,352 |
| Noninterest expense to average assets | 2.7948% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3506% | 5,180 |
| Return on assets (ROA) | 0.5337% | 4,658 |
| Pretax return on assets | 0.8523% | 4,112 |
| Return on Equity (ROE) | 4.7829% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.7829% | 2,875 |
| Net charge-offs to loans | -0.0281% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1545% | 1,128 |
| Assets per employee ($millions) | 4.1152% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 3,608 |
| Loan loss allowance to noncurrent loans | 66.6344% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.5374% | 1,229 |
| Noncurrent loans to loans | 1.7343% | 1,213 |
| Net loans and leases to total assets | 69.8569% | 2,503 |
| Net loans and leases to deposits | 78.8087% | 3,076 |
| Net loans and leases to core deposits | 83.5411% | 3,123 |
| Total domestic deposits to total assets | 88.6411% | 1,091 |
| Equity capital to assets | 11.1467% | 2,899 |
| Core capital (leverage) ratio | 10.9614% | 2,474 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,335 |
| Total risk-based capital ratio | 15.5503% | 3,358 |
| Memoranda: | ||
| Average total assets | $166,377,670 | 3,361 |
| Average earning assets | $155,862,670 | 3,326 |
| Average equity | $18,566,000 | 3,365 |
| Average total loans | $113,982,000 | 3,177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5124% | 4,861 |
| Cost of funding earning assets | 0.2666% | 4,536 |
| Net interest margin | 3.2458% | 4,412 |
| Noninterest income to average assets | 0.3244% | 4,414 |
| Noninterest expense to average assets | 2.7941% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3563% | 5,122 |
| Return on assets (ROA) | 0.3656% | 5,171 |
| Pretax return on assets | 0.5811% | 4,873 |
| Return on Equity (ROE) | 3.2745% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.2745% | 3,856 |
| Net charge-offs to loans | -0.0467% | 5,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1412% | 1,247 |
| Assets per employee ($millions) | 4.2100% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2169% | 3,384 |
| Loan loss allowance to noncurrent loans | 58.5605% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.7245% | 1,108 |
| Noncurrent loans to loans | 2.0780% | 1,017 |
| Net loans and leases to total assets | 66.2834% | 2,905 |
| Net loans and leases to deposits | 74.6907% | 3,351 |
| Net loans and leases to core deposits | 75.7126% | 3,706 |
| Total domestic deposits to total assets | 88.7439% | 1,228 |
| Equity capital to assets | 11.0280% | 2,909 |
| Core capital (leverage) ratio | 11.2092% | 2,217 |
| Tier 1 risk-based capital ratio | 14.4762% | 3,403 |
| Total risk-based capital ratio | 15.5688% | 3,418 |
| Memoranda: | ||
| Average total assets | $165,205,500 | 3,384 |
| Average earning assets | $154,539,500 | 3,359 |
| Average equity | $18,445,500 | 3,374 |
| Average total loans | $111,352,000 | 3,222 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 5,006 |
| Cost of funding earning assets | 0.2905% | 4,362 |
| Net interest margin | 3.1779% | 4,690 |
| Noninterest income to average assets | 0.4479% | 3,688 |
| Noninterest expense to average assets | 2.8838% | 2,920 |
| Loan and lease loss provision to assets | -0.1231% | 5,887 |
| Net operating income to assets | 0.3967% | 5,064 |
| Return on assets (ROA) | 0.3495% | 5,310 |
| Pretax return on assets | 0.5820% | 4,892 |
| Return on Equity (ROE) | 3.1408% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.1408% | 3,820 |
| Net charge-offs to loans | 0.0150% | 3,990 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | 54.1250% | 949 |
| Efficiency ratio | 84.4048% | 1,142 |
| Assets per employee ($millions) | 4.0503% | 3,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,225 |
| Loan loss allowance to noncurrent loans | 63.0143% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 1.6807% | 1,162 |
| Noncurrent loans to loans | 1.9716% | 1,070 |
| Net loans and leases to total assets | 66.8749% | 2,865 |
| Net loans and leases to deposits | 75.6062% | 3,307 |
| Net loans and leases to core deposits | 76.6834% | 3,695 |
| Total domestic deposits to total assets | 88.4515% | 1,403 |
| Equity capital to assets | 11.3077% | 2,533 |
| Core capital (leverage) ratio | 10.7053% | 2,705 |
| Tier 1 risk-based capital ratio | 14.2177% | 3,598 |
| Total risk-based capital ratio | 15.2919% | 3,615 |
| Memoranda: | ||
| Average total assets | $162,531,000 | 3,398 |
| Average earning assets | $151,831,200 | 3,373 |
| Average equity | $18,084,800 | 3,372 |
| Average total loans | $106,404,600 | 3,273 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4304% | 5,136 |
| Cost of funding earning assets | 0.2923% | 4,425 |
| Net interest margin | 3.1381% | 4,854 |
| Noninterest income to average assets | 0.4557% | 3,673 |
| Noninterest expense to average assets | 2.8582% | 2,979 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3195% | 5,399 |
| Return on assets (ROA) | 0.2566% | 5,640 |
| Pretax return on assets | 0.4295% | 5,403 |
| Return on Equity (ROE) | 2.3151% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.3151% | 4,729 |
| Net charge-offs to loans | 0.0278% | 3,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 29.2755% | 1,524 |
| Efficiency ratio | 84.4106% | 1,130 |
| Assets per employee ($millions) | 4.2876% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4703% | 2,279 |
| Loan loss allowance to noncurrent loans | 70.7406% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.6151% | 1,370 |
| Noncurrent loans to loans | 2.0784% | 1,104 |
| Net loans and leases to total assets | 60.8398% | 3,758 |
| Net loans and leases to deposits | 68.2215% | 4,173 |
| Net loans and leases to core deposits | 69.1341% | 4,449 |
| Total domestic deposits to total assets | 89.1798% | 929 |
| Equity capital to assets | 10.5998% | 3,477 |
| Core capital (leverage) ratio | 10.9459% | 2,548 |
| Tier 1 risk-based capital ratio | 14.3915% | 3,635 |
| Total risk-based capital ratio | 15.6449% | 3,549 |
| Memoranda: | ||
| Average total assets | $162,660,500 | 3,435 |
| Average earning assets | $151,893,250 | 3,397 |
| Average equity | $18,026,000 | 3,409 |
| Average total loans | $105,578,500 | 3,312 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5007% | 4,978 |
| Cost of funding earning assets | 0.2979% | 4,421 |
| Net interest margin | 3.2028% | 4,652 |
| Noninterest income to average assets | 0.4245% | 3,890 |
| Noninterest expense to average assets | 2.9540% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2769% | 5,510 |
| Return on assets (ROA) | 0.1816% | 5,798 |
| Pretax return on assets | 0.3106% | 5,645 |
| Return on Equity (ROE) | 1.6134% | 5,774 |
| Retained earnings to average equity (ytd only) | 1.6134% | 4,891 |
| Net charge-offs to loans | -0.0133% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5371% | 1,020 |
| Assets per employee ($millions) | 3.7064% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 2,367 |
| Loan loss allowance to noncurrent loans | 70.5071% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.7732% | 1,309 |
| Noncurrent loans to loans | 2.1033% | 1,148 |
| Net loans and leases to total assets | 66.0681% | 2,935 |
| Net loans and leases to deposits | 74.6902% | 3,413 |
| Net loans and leases to core deposits | 74.9038% | 3,866 |
| Total domestic deposits to total assets | 88.4562% | 1,423 |
| Equity capital to assets | 11.2885% | 2,582 |
| Core capital (leverage) ratio | 10.2416% | 3,292 |
| Tier 1 risk-based capital ratio | 14.7037% | 3,526 |
| Total risk-based capital ratio | 15.9588% | 3,452 |
| Memoranda: | ||
| Average total assets | $159,713,000 | 3,489 |
| Average earning assets | $149,055,330 | 3,470 |
| Average equity | $17,975,000 | 3,429 |
| Average total loans | $105,471,670 | 3,340 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4558% | 5,072 |
| Cost of funding earning assets | 0.2981% | 4,462 |
| Net interest margin | 3.1577% | 4,762 |
| Noninterest income to average assets | 0.2802% | 4,939 |
| Noninterest expense to average assets | 2.8346% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2394% | 5,589 |
| Return on assets (ROA) | 0.1001% | 5,931 |
| Pretax return on assets | 0.1701% | 5,865 |
| Return on Equity (ROE) | 0.8905% | 5,933 |
| Retained earnings to average equity (ytd only) | 0.8905% | 5,108 |
| Net charge-offs to loans | -0.0115% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9658% | 1,017 |
| Assets per employee ($millions) | 4.2031% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 2,519 |
| Loan loss allowance to noncurrent loans | 66.5404% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 1.8070% | 1,356 |
| Noncurrent loans to loans | 2.2281% | 1,127 |
| Net loans and leases to total assets | 64.0914% | 3,078 |
| Net loans and leases to deposits | 72.2202% | 3,518 |
| Net loans and leases to core deposits | 73.4800% | 3,829 |
| Total domestic deposits to total assets | 88.7444% | 1,425 |
| Equity capital to assets | 11.0146% | 2,951 |
| Core capital (leverage) ratio | 10.8426% | 2,581 |
| Tier 1 risk-based capital ratio | 14.5872% | 3,676 |
| Total risk-based capital ratio | 15.8377% | 3,596 |
| Memoranda: | ||
| Average total assets | $159,882,000 | 3,508 |
| Average earning assets | $148,967,500 | 3,482 |
| Average equity | $17,967,000 | 3,449 |
| Average total loans | $104,767,000 | 3,361 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6855% | 4,830 |
| Cost of funding earning assets | 0.3493% | 4,262 |
| Net interest margin | 3.3362% | 4,452 |
| Noninterest income to average assets | 0.2928% | 5,025 |
| Noninterest expense to average assets | 2.7662% | 3,607 |
| Loan and lease loss provision to assets | -0.0651% | 6,077 |
| Net operating income to assets | 0.3975% | 5,234 |
| Return on assets (ROA) | 0.4612% | 5,054 |
| Pretax return on assets | 0.7729% | 4,358 |
| Return on Equity (ROE) | 4.0776% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.0776% | 3,305 |
| Net charge-offs to loans | -0.1225% | 6,166 |
| Credit loss provision to net charge-offs | 88.4956% | 2,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9742% | 1,663 |
| Assets per employee ($millions) | 3.9960% | 3,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 2,326 |
| Loan loss allowance to noncurrent loans | 64.3556% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9763% | 1,297 |
| Noncurrent loans to loans | 2.3830% | 1,082 |
| Net loans and leases to total assets | 65.0114% | 3,045 |
| Net loans and leases to deposits | 73.7607% | 3,463 |
| Net loans and leases to core deposits | 74.3982% | 3,885 |
| Total domestic deposits to total assets | 88.1382% | 1,695 |
| Equity capital to assets | 11.4723% | 2,450 |
| Core capital (leverage) ratio | 10.8771% | 2,524 |
| Tier 1 risk-based capital ratio | 15.0491% | 3,461 |
| Total risk-based capital ratio | 16.3011% | 3,402 |
| Memoranda: | ||
| Average total assets | $153,714,600 | 3,577 |
| Average earning assets | $141,989,200 | 3,569 |
| Average equity | $17,387,800 | 3,472 |
| Average total loans | $92,213,800 | 3,582 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6790% | 4,916 |
| Cost of funding earning assets | 0.3579% | 4,255 |
| Net interest margin | 3.3211% | 4,530 |
| Noninterest income to average assets | 0.3003% | 5,047 |
| Noninterest expense to average assets | 2.7148% | 3,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3861% | 5,296 |
| Return on assets (ROA) | 0.3995% | 5,326 |
| Pretax return on assets | 0.6676% | 4,813 |
| Return on Equity (ROE) | 3.5446% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.5446% | 4,124 |
| Net charge-offs to loans | 0.0328% | 3,830 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.7757% | 1,270 |
| Efficiency ratio | 80.7613% | 1,801 |
| Assets per employee ($millions) | 4.0396% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,353 |
| Loan loss allowance to noncurrent loans | 49.7903% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 2.3650% | 1,151 |
| Noncurrent loans to loans | 3.1825% | 802 |
| Net loans and leases to total assets | 60.8296% | 3,652 |
| Net loans and leases to deposits | 68.7401% | 4,049 |
| Net loans and leases to core deposits | 70.2286% | 4,302 |
| Total domestic deposits to total assets | 88.4922% | 1,504 |
| Equity capital to assets | 11.2285% | 2,728 |
| Core capital (leverage) ratio | 10.9608% | 2,526 |
| Tier 1 risk-based capital ratio | 14.0054% | 4,212 |
| Total risk-based capital ratio | 15.2561% | 4,149 |
| Memoranda: | ||
| Average total assets | $153,182,000 | 3,613 |
| Average earning assets | $141,194,000 | 3,611 |
| Average equity | $17,265,000 | 3,503 |
| Average total loans | $89,543,500 | 3,668 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6924% | 4,880 |
| Cost of funding earning assets | 0.3748% | 4,163 |
| Net interest margin | 3.3175% | 4,518 |
| Noninterest income to average assets | 0.2913% | 5,090 |
| Noninterest expense to average assets | 2.7048% | 3,843 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3875% | 5,272 |
| Return on assets (ROA) | 0.3875% | 5,340 |
| Pretax return on assets | 0.6433% | 4,806 |
| Return on Equity (ROE) | 3.4339% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.4339% | 4,014 |
| Net charge-offs to loans | 0.0598% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.7692% | 1,661 |
| Efficiency ratio | 80.7874% | 1,907 |
| Assets per employee ($millions) | 3.7736% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,105 |
| Loan loss allowance to noncurrent loans | 58.8753% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 2.1598% | 1,425 |
| Noncurrent loans to loans | 2.9011% | 1,024 |
| Net loans and leases to total assets | 58.6745% | 3,901 |
| Net loans and leases to deposits | 66.6494% | 4,199 |
| Net loans and leases to core deposits | 68.1746% | 4,446 |
| Total domestic deposits to total assets | 88.0346% | 1,881 |
| Equity capital to assets | 11.5958% | 2,330 |
| Core capital (leverage) ratio | 10.3994% | 3,083 |
| Tier 1 risk-based capital ratio | 14.1374% | 4,165 |
| Total risk-based capital ratio | 15.3878% | 4,104 |
| Memoranda: | ||
| Average total assets | $151,727,670 | 3,653 |
| Average earning assets | $139,802,000 | 3,654 |
| Average equity | $17,123,330 | 3,530 |
| Average total loans | $86,932,330 | 3,746 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,773 |
| Cost of funding earning assets | 0.3892% | 4,095 |
| Net interest margin | 3.3314% | 4,413 |
| Noninterest income to average assets | 0.2261% | 5,545 |
| Noninterest expense to average assets | 2.6689% | 4,041 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3786% | 5,194 |
| Return on assets (ROA) | 0.3786% | 5,267 |
| Pretax return on assets | 0.6179% | 4,775 |
| Return on Equity (ROE) | 3.4015% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.4015% | 4,090 |
| Net charge-offs to loans | -0.0375% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2000% | 2,031 |
| Assets per employee ($millions) | 4.2596% | 3,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 2,095 |
| Loan loss allowance to noncurrent loans | 60.3607% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 1.6535% | 2,133 |
| Noncurrent loans to loans | 2.9534% | 1,089 |
| Net loans and leases to total assets | 54.9868% | 4,281 |
| Net loans and leases to deposits | 61.9013% | 4,559 |
| Net loans and leases to core deposits | 63.0066% | 4,788 |
| Total domestic deposits to total assets | 88.8298% | 1,762 |
| Equity capital to assets | 10.8663% | 2,857 |
| Core capital (leverage) ratio | 10.6399% | 2,771 |
| Tier 1 risk-based capital ratio | 13.7307% | 4,519 |
| Total risk-based capital ratio | 14.9818% | 4,472 |
| Memoranda: | ||
| Average total assets | $152,120,000 | 3,674 |
| Average earning assets | $139,759,500 | 3,669 |
| Average equity | $16,933,500 | 3,560 |
| Average total loans | $85,346,500 | 3,818 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,456 |
| Cost of funding earning assets | 0.4450% | 4,162 |
| Net interest margin | 3.4568% | 4,069 |
| Noninterest income to average assets | 0.0982% | 6,392 |
| Noninterest expense to average assets | 2.6779% | 4,176 |
| Loan and lease loss provision to assets | -0.2728% | 6,661 |
| Net operating income to assets | 0.5336% | 4,581 |
| Return on assets (ROA) | 0.6964% | 3,904 |
| Pretax return on assets | 1.1323% | 2,841 |
| Return on Equity (ROE) | 6.1555% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.1555% | 1,881 |
| Net charge-offs to loans | -0.4087% | 6,711 |
| Credit loss provision to net charge-offs | 117.9941% | 2,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5707% | 1,934 |
| Assets per employee ($millions) | 4.3127% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 1,784 |
| Loan loss allowance to noncurrent loans | 50.7458% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 2.1032% | 1,701 |
| Noncurrent loans to loans | 3.7401% | 799 |
| Net loans and leases to total assets | 55.1663% | 4,439 |
| Net loans and leases to deposits | 62.5833% | 4,665 |
| Net loans and leases to core deposits | 64.0024% | 4,868 |
| Total domestic deposits to total assets | 88.1486% | 2,089 |
| Equity capital to assets | 11.4169% | 2,227 |
| Core capital (leverage) ratio | 10.6580% | 2,723 |
| Tier 1 risk-based capital ratio | 14.0401% | 4,270 |
| Total risk-based capital ratio | 15.2915% | 4,210 |
| Memoranda: | ||
| Average total assets | $146,608,600 | 3,757 |
| Average earning assets | $135,068,000 | 3,737 |
| Average equity | $16,586,800 | 3,620 |
| Average total loans | $82,945,600 | 3,852 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8752% | 4,595 |
| Cost of funding earning assets | 0.4499% | 4,275 |
| Net interest margin | 3.4252% | 4,186 |
| Noninterest income to average assets | 0.1546% | 6,262 |
| Noninterest expense to average assets | 2.6438% | 4,230 |
| Loan and lease loss provision to assets | -0.0909% | 6,617 |
| Net operating income to assets | 0.4630% | 4,960 |
| Return on assets (ROA) | 0.6766% | 4,120 |
| Pretax return on assets | 1.0995% | 3,112 |
| Return on Equity (ROE) | 5.9945% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.9945% | 2,409 |
| Net charge-offs to loans | -0.2038% | 6,652 |
| Credit loss provision to net charge-offs | 78.7402% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6657% | 2,152 |
| Assets per employee ($millions) | 4.7510% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 1,745 |
| Loan loss allowance to noncurrent loans | 49.3875% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.2015% | 1,806 |
| Noncurrent loans to loans | 4.0282% | 861 |
| Net loans and leases to total assets | 53.5654% | 4,680 |
| Net loans and leases to deposits | 60.2636% | 4,942 |
| Net loans and leases to core deposits | 61.1845% | 5,198 |
| Total domestic deposits to total assets | 88.8852% | 1,622 |
| Equity capital to assets | 10.7925% | 2,962 |
| Core capital (leverage) ratio | 10.5598% | 2,940 |
| Tier 1 risk-based capital ratio | 13.8854% | 4,512 |
| Total risk-based capital ratio | 15.1376% | 4,465 |
| Memoranda: | ||
| Average total assets | $146,602,500 | 3,804 |
| Average earning assets | $135,423,000 | 3,770 |
| Average equity | $16,548,250 | 3,665 |
| Average total loans | $83,067,750 | 3,879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 4,225 |
| Cost of funding earning assets | 0.4661% | 4,248 |
| Net interest margin | 3.5039% | 3,767 |
| Noninterest income to average assets | 0.2486% | 5,672 |
| Noninterest expense to average assets | 2.6313% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5209% | 4,715 |
| Return on assets (ROA) | 0.8453% | 3,220 |
| Pretax return on assets | 1.3744% | 2,021 |
| Return on Equity (ROE) | 7.3757% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3757% | 1,726 |
| Net charge-offs to loans | -0.1758% | 6,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2073% | 2,912 |
| Assets per employee ($millions) | 4.6170% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0460% | 1,753 |
| Loan loss allowance to noncurrent loans | 83.4070% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3787% | 3,034 |
| Noncurrent loans to loans | 2.4530% | 1,907 |
| Net loans and leases to total assets | 55.0557% | 4,443 |
| Net loans and leases to deposits | 62.1634% | 4,718 |
| Net loans and leases to core deposits | 63.6912% | 4,930 |
| Total domestic deposits to total assets | 88.5661% | 1,874 |
| Equity capital to assets | 11.1083% | 2,651 |
| Core capital (leverage) ratio | 10.6144% | 2,750 |
| Tier 1 risk-based capital ratio | 14.2493% | 4,260 |
| Total risk-based capital ratio | 15.5031% | 4,208 |
| Memoranda: | ||
| Average total assets | $144,793,000 | 3,859 |
| Average earning assets | $134,309,330 | 3,818 |
| Average equity | $16,595,000 | 3,689 |
| Average total loans | $83,060,670 | 3,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0522% | 3,911 |
| Cost of funding earning assets | 0.4855% | 4,231 |
| Net interest margin | 3.5666% | 3,399 |
| Noninterest income to average assets | 0.2651% | 5,565 |
| Noninterest expense to average assets | 2.7966% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4856% | 4,748 |
| Return on assets (ROA) | 0.4856% | 4,901 |
| Pretax return on assets | 0.7899% | 4,204 |
| Return on Equity (ROE) | 4.1710% | 5,007 |
| Retained earnings to average equity (ytd only) | 4.1710% | 3,719 |
| Net charge-offs to loans | -0.1782% | 6,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9767% | 2,612 |
| Assets per employee ($millions) | 4.2041% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9880% | 2,077 |
| Loan loss allowance to noncurrent loans | 85.1510% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3606% | 3,235 |
| Noncurrent loans to loans | 2.3346% | 2,244 |
| Net loans and leases to total assets | 55.7224% | 4,132 |
| Net loans and leases to deposits | 63.0671% | 4,412 |
| Net loans and leases to core deposits | 63.4007% | 4,800 |
| Total domestic deposits to total assets | 88.3541% | 2,099 |
| Equity capital to assets | 11.4189% | 2,495 |
| Core capital (leverage) ratio | 10.6445% | 2,600 |
| Tier 1 risk-based capital ratio | 14.6550% | 4,064 |
| Total risk-based capital ratio | 15.9096% | 4,024 |
| Memoranda: | ||
| Average total assets | $143,317,000 | 3,927 |
| Average earning assets | $133,459,500 | 3,869 |
| Average equity | $16,686,500 | 3,715 |
| Average total loans | $83,070,500 | 3,922 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7127% | 2,547 |
| Cost of funding earning assets | 0.6713% | 3,730 |
| Net interest margin | 4.0415% | 2,232 |
| Noninterest income to average assets | 0.2765% | 5,485 |
| Noninterest expense to average assets | 2.7437% | 4,239 |
| Loan and lease loss provision to assets | 0.0905% | 4,561 |
| Net operating income to assets | 0.6241% | 4,117 |
| Return on assets (ROA) | 0.6706% | 4,151 |
| Pretax return on assets | 1.0804% | 3,230 |
| Return on Equity (ROE) | 5.9252% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.9252% | 2,122 |
| Net charge-offs to loans | 0.5481% | 2,092 |
| Credit loss provision to net charge-offs | 27.0789% | 5,168 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,785 |
| Efficiency ratio | 71.4153% | 3,534 |
| Assets per employee ($millions) | 3.9855% | 3,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 2,098 |
| Loan loss allowance to noncurrent loans | 128.1324% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9449% | 4,137 |
| Noncurrent loans to loans | 1.5384% | 3,306 |
| Net loans and leases to total assets | 57.9682% | 3,987 |
| Net loans and leases to deposits | 66.1586% | 4,258 |
| Net loans and leases to core deposits | 66.7782% | 4,657 |
| Total domestic deposits to total assets | 87.6201% | 2,468 |
| Equity capital to assets | 11.8795% | 2,125 |
| Core capital (leverage) ratio | 10.3940% | 2,891 |
| Tier 1 risk-based capital ratio | 14.8069% | 3,829 |
| Total risk-based capital ratio | 16.0612% | 3,782 |
| Memoranda: | ||
| Average total assets | $140,324,000 | 3,942 |
| Average earning assets | $123,792,200 | 4,024 |
| Average equity | $15,881,200 | 3,794 |
| Average total loans | $85,568,800 | 3,863 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 2,311 |
| Cost of funding earning assets | 0.7088% | 3,689 |
| Net interest margin | 4.1123% | 2,049 |
| Noninterest income to average assets | 0.2865% | 5,493 |
| Noninterest expense to average assets | 2.7087% | 4,330 |
| Loan and lease loss provision to assets | 0.3757% | 1,718 |
| Net operating income to assets | 0.4886% | 4,884 |
| Return on assets (ROA) | 0.5104% | 5,067 |
| Pretax return on assets | 0.8197% | 4,414 |
| Return on Equity (ROE) | 4.5664% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.5664% | 3,686 |
| Net charge-offs to loans | 0.8107% | 1,350 |
| Credit loss provision to net charge-offs | 75.4286% | 3,756 |
| Earnings coverage of net charge-offs (x) | 2.3314% | 4,110 |
| Efficiency ratio | 69.9926% | 3,685 |
| Assets per employee ($millions) | 4.0725% | 3,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2493% | 1,609 |
| Loan loss allowance to noncurrent loans | 69.8974% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.8739% | 2,824 |
| Noncurrent loans to loans | 3.2180% | 1,714 |
| Net loans and leases to total assets | 56.0700% | 4,440 |
| Net loans and leases to deposits | 63.5919% | 4,763 |
| Net loans and leases to core deposits | 65.2811% | 5,026 |
| Total domestic deposits to total assets | 88.1716% | 1,941 |
| Equity capital to assets | 11.3493% | 2,891 |
| Core capital (leverage) ratio | 9.6746% | 4,002 |
| Tier 1 risk-based capital ratio | 14.4132% | 4,250 |
| Total risk-based capital ratio | 15.6714% | 4,208 |
| Memoranda: | ||
| Average total assets | $140,532,000 | 3,978 |
| Average earning assets | $122,460,000 | 4,093 |
| Average equity | $15,708,750 | 3,859 |
| Average total loans | $86,339,250 | 3,879 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 2,060 |
| Cost of funding earning assets | 0.7434% | 3,660 |
| Net interest margin | 4.1689% | 1,838 |
| Noninterest income to average assets | 0.2688% | 5,653 |
| Noninterest expense to average assets | 2.7184% | 4,333 |
| Loan and lease loss provision to assets | 0.4590% | 1,391 |
| Net operating income to assets | 0.4552% | 5,015 |
| Return on assets (ROA) | 0.4890% | 5,121 |
| Pretax return on assets | 0.7851% | 4,525 |
| Return on Equity (ROE) | 4.3980% | 5,094 |
| Retained earnings to average equity (ytd only) | 4.3980% | 3,686 |
| Net charge-offs to loans | -0.0637% | 6,733 |
| Credit loss provision to net charge-offs | -1,146.4286% | 6,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5318% | 3,843 |
| Assets per employee ($millions) | 3.8456% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 1,076 |
| Loan loss allowance to noncurrent loans | 58.7475% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.9300% | 1,889 |
| Noncurrent loans to loans | 4.5425% | 1,159 |
| Net loans and leases to total assets | 59.3911% | 3,929 |
| Net loans and leases to deposits | 67.1159% | 4,343 |
| Net loans and leases to core deposits | 68.1481% | 4,770 |
| Total domestic deposits to total assets | 88.4903% | 1,825 |
| Equity capital to assets | 11.1147% | 3,001 |
| Core capital (leverage) ratio | 9.7077% | 3,824 |
| Tier 1 risk-based capital ratio | 13.8755% | 4,539 |
| Total risk-based capital ratio | 15.1386% | 4,501 |
| Memoranda: | ||
| Average total assets | $139,863,330 | 4,014 |
| Average earning assets | $122,143,670 | 4,122 |
| Average equity | $15,552,670 | 3,873 |
| Average total loans | $87,865,670 | 3,859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0231% | 1,809 |
| Cost of funding earning assets | 0.7753% | 3,655 |
| Net interest margin | 4.2478% | 1,613 |
| Noninterest income to average assets | 0.2885% | 5,565 |
| Noninterest expense to average assets | 2.6888% | 4,466 |
| Loan and lease loss provision to assets | 0.7097% | 735 |
| Net operating income to assets | 0.3895% | 5,300 |
| Return on assets (ROA) | 0.3895% | 5,486 |
| Pretax return on assets | 0.6203% | 5,046 |
| Return on Equity (ROE) | 3.5016% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.5016% | 4,476 |
| Net charge-offs to loans | 0.0543% | 3,955 |
| Credit loss provision to net charge-offs | 2,050.0000% | 153 |
| Earnings coverage of net charge-offs (x) | 38.4167% | 768 |
| Efficiency ratio | 66.9060% | 4,375 |
| Assets per employee ($millions) | 4.2962% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4875% | 1,375 |
| Loan loss allowance to noncurrent loans | 64.0489% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.5484% | 2,320 |
| Noncurrent loans to loans | 3.8837% | 1,588 |
| Net loans and leases to total assets | 60.8862% | 3,471 |
| Net loans and leases to deposits | 68.6048% | 3,947 |
| Net loans and leases to core deposits | 70.4554% | 4,345 |
| Total domestic deposits to total assets | 88.7492% | 1,850 |
| Equity capital to assets | 10.9772% | 2,930 |
| Core capital (leverage) ratio | 9.7639% | 3,695 |
| Tier 1 risk-based capital ratio | 13.2610% | 5,017 |
| Total risk-based capital ratio | 14.5223% | 4,991 |
| Memoranda: | ||
| Average total assets | $138,650,500 | 4,059 |
| Average earning assets | $121,758,500 | 4,159 |
| Average equity | $15,421,500 | 3,906 |
| Average total loans | $88,386,500 | 3,873 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 2,048 |
| Cost of funding earning assets | 0.9317% | 3,858 |
| Net interest margin | 4.2703% | 1,807 |
| Noninterest income to average assets | 0.6970% | 2,622 |
| Noninterest expense to average assets | 3.0979% | 3,202 |
| Loan and lease loss provision to assets | 0.6275% | 1,630 |
| Net operating income to assets | 0.5041% | 4,410 |
| Return on assets (ROA) | 0.5565% | 4,390 |
| Pretax return on assets | 0.8561% | 3,759 |
| Return on Equity (ROE) | 4.9566% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.9566% | 2,675 |
| Net charge-offs to loans | 1.3138% | 1,257 |
| Credit loss provision to net charge-offs | 73.3624% | 4,723 |
| Earnings coverage of net charge-offs (x) | 1.6402% | 4,540 |
| Efficiency ratio | 68.8299% | 4,184 |
| Assets per employee ($millions) | 3.9860% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 1,744 |
| Loan loss allowance to noncurrent loans | 100.9749% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 3,709 |
| Noncurrent loans to loans | 2.2085% | 2,940 |
| Net loans and leases to total assets | 63.6643% | 3,258 |
| Net loans and leases to deposits | 72.0961% | 3,777 |
| Net loans and leases to core deposits | 74.5814% | 4,161 |
| Total domestic deposits to total assets | 88.3047% | 1,965 |
| Equity capital to assets | 11.2747% | 2,715 |
| Core capital (leverage) ratio | 9.8183% | 3,564 |
| Tier 1 risk-based capital ratio | 13.8069% | 4,474 |
| Total risk-based capital ratio | 15.0663% | 4,420 |
| Memoranda: | ||
| Average total assets | $133,864,000 | 4,096 |
| Average earning assets | $119,241,600 | 4,150 |
| Average equity | $15,030,400 | 3,899 |
| Average total loans | $87,149,400 | 3,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1770% | 2,291 |
| Cost of funding earning assets | 0.9541% | 4,011 |
| Net interest margin | 4.2229% | 2,011 |
| Noninterest income to average assets | 0.8103% | 2,006 |
| Noninterest expense to average assets | 3.2031% | 2,823 |
| Loan and lease loss provision to assets | 0.4496% | 2,221 |
| Net operating income to assets | 0.6054% | 4,061 |
| Return on assets (ROA) | 0.6814% | 3,880 |
| Pretax return on assets | 1.0511% | 3,205 |
| Return on Equity (ROE) | 6.0750% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.0750% | 2,516 |
| Net charge-offs to loans | 0.6292% | 2,362 |
| Credit loss provision to net charge-offs | 109.7561% | 3,010 |
| Earnings coverage of net charge-offs (x) | 3.3781% | 3,463 |
| Efficiency ratio | 69.8323% | 3,979 |
| Assets per employee ($millions) | 3.6725% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5656% | 1,313 |
| Loan loss allowance to noncurrent loans | 100.3906% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.7854% | 3,417 |
| Noncurrent loans to loans | 2.5556% | 2,712 |
| Net loans and leases to total assets | 64.6458% | 3,176 |
| Net loans and leases to deposits | 73.1584% | 3,783 |
| Net loans and leases to core deposits | 75.7618% | 4,219 |
| Total domestic deposits to total assets | 88.3642% | 1,829 |
| Equity capital to assets | 11.2664% | 2,898 |
| Core capital (leverage) ratio | 9.7285% | 3,806 |
| Tier 1 risk-based capital ratio | 13.0973% | 5,025 |
| Total risk-based capital ratio | 14.3609% | 4,993 |
| Memoranda: | ||
| Average total assets | $133,448,750 | 4,125 |
| Average earning assets | $119,345,750 | 4,168 |
| Average equity | $14,968,000 | 3,929 |
| Average total loans | $86,874,500 | 3,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 2,026 |
| Cost of funding earning assets | 0.9898% | 4,016 |
| Net interest margin | 4.2705% | 1,761 |
| Noninterest income to average assets | 0.8082% | 1,978 |
| Noninterest expense to average assets | 3.2359% | 2,788 |
| Loan and lease loss provision to assets | 0.4524% | 2,155 |
| Net operating income to assets | 0.6158% | 3,977 |
| Return on assets (ROA) | 0.6906% | 3,706 |
| Pretax return on assets | 1.0374% | 3,086 |
| Return on Equity (ROE) | 6.1666% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.1666% | 2,321 |
| Net charge-offs to loans | 0.8697% | 1,778 |
| Credit loss provision to net charge-offs | 80.4290% | 3,761 |
| Earnings coverage of net charge-offs (x) | 2.4504% | 3,594 |
| Efficiency ratio | 70.1307% | 4,092 |
| Assets per employee ($millions) | 3.4305% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4924% | 1,457 |
| Loan loss allowance to noncurrent loans | 100.4108% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.8557% | 3,430 |
| Noncurrent loans to loans | 2.4822% | 2,904 |
| Net loans and leases to total assets | 66.0259% | 3,022 |
| Net loans and leases to deposits | 75.1172% | 3,632 |
| Net loans and leases to core deposits | 77.5839% | 4,104 |
| Total domestic deposits to total assets | 87.8972% | 2,208 |
| Equity capital to assets | 11.6932% | 2,331 |
| Core capital (leverage) ratio | 9.4768% | 3,986 |
| Tier 1 risk-based capital ratio | 13.1339% | 4,816 |
| Total risk-based capital ratio | 14.3967% | 4,784 |
| Memoranda: | ||
| Average total assets | $132,637,670 | 4,170 |
| Average earning assets | $118,206,330 | 4,229 |
| Average equity | $14,854,330 | 3,934 |
| Average total loans | $85,781,000 | 4,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 2,238 |
| Cost of funding earning assets | 1.0222% | 4,048 |
| Net interest margin | 4.1730% | 1,990 |
| Noninterest income to average assets | 1.1930% | 905 |
| Noninterest expense to average assets | 3.2890% | 2,593 |
| Loan and lease loss provision to assets | 0.4485% | 1,965 |
| Net operating income to assets | 0.7804% | 3,121 |
| Return on assets (ROA) | 0.7804% | 3,194 |
| Pretax return on assets | 1.1661% | 2,494 |
| Return on Equity (ROE) | 7.1214% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.1214% | 2,093 |
| Net charge-offs to loans | -0.2744% | 7,326 |
| Credit loss provision to net charge-offs | -258.6207% | 5,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0732% | 4,840 |
| Assets per employee ($millions) | 3.5031% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8363% | 1,075 |
| Loan loss allowance to noncurrent loans | 99.0815% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0268% | 3,287 |
| Noncurrent loans to loans | 2.8626% | 2,634 |
| Net loans and leases to total assets | 62.2089% | 3,809 |
| Net loans and leases to deposits | 70.1871% | 4,318 |
| Net loans and leases to core deposits | 72.2013% | 4,761 |
| Total domestic deposits to total assets | 88.6329% | 1,999 |
| Equity capital to assets | 10.8636% | 2,814 |
| Core capital (leverage) ratio | 9.0385% | 4,555 |
| Tier 1 risk-based capital ratio | 12.4805% | 5,286 |
| Total risk-based capital ratio | 13.7473% | 5,245 |
| Memoranda: | ||
| Average total assets | $133,777,500 | 4,178 |
| Average earning assets | $118,954,000 | 4,241 |
| Average equity | $14,660,000 | 3,963 |
| Average total loans | $84,536,500 | 4,124 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4549% | 2,458 |
| Cost of funding earning assets | 1.5549% | 2,333 |
| Net interest margin | 3.9000% | 3,491 |
| Noninterest income to average assets | 0.4127% | 4,801 |
| Noninterest expense to average assets | 3.4270% | 2,363 |
| Loan and lease loss provision to assets | 1.4080% | 1,069 |
| Net operating income to assets | -0.5924% | 6,445 |
| Return on assets (ROA) | -0.4655% | 6,396 |
| Pretax return on assets | -0.8537% | 6,545 |
| Return on Equity (ROE) | -4.5071% | 6,390 |
| Retained earnings to average equity (ytd only) | -4.5071% | 6,248 |
| Net charge-offs to loans | 3.2439% | 480 |
| Credit loss provision to net charge-offs | 70.1106% | 5,862 |
| Earnings coverage of net charge-offs (x) | 0.1773% | 5,929 |
| Efficiency ratio | 90.5889% | 1,278 |
| Assets per employee ($millions) | 3.4456% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7855% | 1,074 |
| Loan loss allowance to noncurrent loans | 106.3641% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 1.8345% | 3,585 |
| Noncurrent loans to loans | 2.6188% | 2,907 |
| Net loans and leases to total assets | 60.5867% | 4,566 |
| Net loans and leases to deposits | 68.6721% | 5,011 |
| Net loans and leases to core deposits | 70.7786% | 5,364 |
| Total domestic deposits to total assets | 88.2260% | 2,108 |
| Equity capital to assets | 11.0576% | 2,635 |
| Core capital (leverage) ratio | 8.7735% | 4,894 |
| Tier 1 risk-based capital ratio | 12.2223% | 5,282 |
| Total risk-based capital ratio | 13.4864% | 5,234 |
| Memoranda: | ||
| Average total assets | $130,610,200 | 4,245 |
| Average earning assets | $112,870,800 | 4,402 |
| Average equity | $13,489,800 | 4,262 |
| Average total loans | $80,860,200 | 4,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 2,287 |
| Cost of funding earning assets | 1.6561% | 2,068 |
| Net interest margin | 3.8847% | 3,588 |
| Noninterest income to average assets | 0.3401% | 5,443 |
| Noninterest expense to average assets | 3.4903% | 2,056 |
| Loan and lease loss provision to assets | 1.8018% | 695 |
| Net operating income to assets | -0.9243% | 6,858 |
| Return on assets (ROA) | -0.8805% | 6,874 |
| Pretax return on assets | -1.5291% | 7,047 |
| Return on Equity (ROE) | -8.6787% | 6,867 |
| Retained earnings to average equity (ytd only) | -8.6787% | 6,810 |
| Net charge-offs to loans | 4.1714% | 281 |
| Credit loss provision to net charge-offs | 69.8891% | 5,423 |
| Earnings coverage of net charge-offs (x) | 0.0792% | 5,952 |
| Efficiency ratio | 94.4706% | 979 |
| Assets per employee ($millions) | 3.3071% | 5,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9622% | 850 |
| Loan loss allowance to noncurrent loans | 137.1343% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5232% | 4,162 |
| Noncurrent loans to loans | 2.1601% | 3,495 |
| Net loans and leases to total assets | 56.8826% | 5,429 |
| Net loans and leases to deposits | 64.3013% | 5,878 |
| Net loans and leases to core deposits | 66.5652% | 6,080 |
| Total domestic deposits to total assets | 88.4626% | 1,689 |
| Equity capital to assets | 10.9629% | 2,996 |
| Core capital (leverage) ratio | 8.7339% | 5,128 |
| Tier 1 risk-based capital ratio | 12.5265% | 4,953 |
| Total risk-based capital ratio | 13.7937% | 4,924 |
| Memoranda: | ||
| Average total assets | $130,529,500 | 4,315 |
| Average earning assets | $112,713,250 | 4,465 |
| Average equity | $13,242,750 | 4,384 |
| Average total loans | $80,675,000 | 4,395 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 2,468 |
| Cost of funding earning assets | 1.7163% | 2,033 |
| Net interest margin | 3.7953% | 3,915 |
| Noninterest income to average assets | 0.4956% | 4,153 |
| Noninterest expense to average assets | 3.5846% | 1,822 |
| Loan and lease loss provision to assets | 0.4617% | 3,010 |
| Net operating income to assets | -0.1045% | 6,236 |
| Return on assets (ROA) | -0.0385% | 6,224 |
| Pretax return on assets | -0.1462% | 6,288 |
| Return on Equity (ROE) | -0.3899% | 6,236 |
| Retained earnings to average equity (ytd only) | -0.3899% | 5,816 |
| Net charge-offs to loans | 1.5590% | 1,221 |
| Credit loss provision to net charge-offs | 47.0958% | 5,480 |
| Earnings coverage of net charge-offs (x) | 0.2166% | 5,510 |
| Efficiency ratio | 94.4062% | 1,046 |
| Assets per employee ($millions) | 3.2954% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3182% | 633 |
| Loan loss allowance to noncurrent loans | 165.4501% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.6144% | 4,024 |
| Noncurrent loans to loans | 2.0055% | 3,708 |
| Net loans and leases to total assets | 60.1244% | 5,033 |
| Net loans and leases to deposits | 67.4706% | 5,616 |
| Net loans and leases to core deposits | 70.0115% | 5,868 |
| Total domestic deposits to total assets | 89.1120% | 1,372 |
| Equity capital to assets | 10.2234% | 3,739 |
| Core capital (leverage) ratio | 8.1338% | 6,061 |
| Tier 1 risk-based capital ratio | 12.1481% | 5,175 |
| Total risk-based capital ratio | 13.4203% | 5,133 |
| Memoranda: | ||
| Average total assets | $129,945,000 | 4,355 |
| Average earning assets | $113,033,670 | 4,477 |
| Average equity | $12,823,000 | 4,476 |
| Average total loans | $81,719,000 | 4,396 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6554% | 1,935 |
| Cost of funding earning assets | 1.7764% | 1,990 |
| Net interest margin | 3.8790% | 3,412 |
| Noninterest income to average assets | 0.4651% | 4,338 |
| Noninterest expense to average assets | 3.7206% | 1,478 |
| Loan and lease loss provision to assets | 0.6976% | 1,828 |
| Net operating income to assets | -0.2915% | 6,657 |
| Return on assets (ROA) | -0.2915% | 6,713 |
| Pretax return on assets | -0.5612% | 6,821 |
| Return on Equity (ROE) | -3.0088% | 6,741 |
| Retained earnings to average equity (ytd only) | -3.0088% | 6,364 |
| Net charge-offs to loans | 1.3776% | 1,249 |
| Credit loss provision to net charge-offs | 80.0712% | 3,874 |
| Earnings coverage of net charge-offs (x) | 0.1566% | 4,893 |
| Efficiency ratio | 96.4630% | 998 |
| Assets per employee ($millions) | 3.5043% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6925% | 470 |
| Loan loss allowance to noncurrent loans | 141.0244% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 2.0268% | 3,470 |
| Noncurrent loans to loans | 2.6184% | 3,047 |
| Net loans and leases to total assets | 57.2713% | 5,556 |
| Net loans and leases to deposits | 63.6412% | 6,091 |
| Net loans and leases to core deposits | 65.8337% | 6,297 |
| Total domestic deposits to total assets | 89.9910% | 990 |
| Equity capital to assets | 9.4105% | 4,661 |
| Core capital (leverage) ratio | 8.1886% | 5,928 |
| Tier 1 risk-based capital ratio | 11.4671% | 5,706 |
| Total risk-based capital ratio | 12.7440% | 5,664 |
| Memoranda: | ||
| Average total assets | $129,010,000 | 4,438 |
| Average earning assets | $112,812,000 | 4,545 |
| Average equity | $12,496,500 | 4,589 |
| Average total loans | $81,592,000 | 4,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6090% | 3,559 |
| Cost of funding earning assets | 2.1715% | 2,151 |
| Net interest margin | 3.4375% | 5,227 |
| Noninterest income to average assets | 0.6110% | 3,543 |
| Noninterest expense to average assets | 4.0642% | 1,282 |
| Loan and lease loss provision to assets | 1.0728% | 2,139 |
| Net operating income to assets | -0.7559% | 6,408 |
| Return on assets (ROA) | -0.5687% | 6,240 |
| Pretax return on assets | -1.0489% | 6,444 |
| Return on Equity (ROE) | -5.8269% | 6,287 |
| Retained earnings to average equity (ytd only) | -5.8269% | 6,127 |
| Net charge-offs to loans | 1.3374% | 1,866 |
| Credit loss provision to net charge-offs | 127.7727% | 4,052 |
| Earnings coverage of net charge-offs (x) | -0.3199% | 6,561 |
| Efficiency ratio | 107.0762% | 867 |
| Assets per employee ($millions) | 2.8222% | 6,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7321% | 433 |
| Loan loss allowance to noncurrent loans | 154.2381% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 2.1450% | 3,213 |
| Noncurrent loans to loans | 2.4197% | 3,135 |
| Net loans and leases to total assets | 64.9799% | 4,377 |
| Net loans and leases to deposits | 72.6272% | 5,244 |
| Net loans and leases to core deposits | 83.6560% | 5,749 |
| Total domestic deposits to total assets | 89.4704% | 1,223 |
| Equity capital to assets | 9.9973% | 3,768 |
| Core capital (leverage) ratio | 7.8996% | 6,325 |
| Tier 1 risk-based capital ratio | 11.7483% | 5,156 |
| Total risk-based capital ratio | 13.0288% | 5,092 |
| Memoranda: | ||
| Average total assets | $129,940,600 | 4,337 |
| Average earning assets | $120,379,000 | 4,304 |
| Average equity | $12,682,600 | 4,592 |
| Average total loans | $81,573,400 | 4,457 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5532% | 4,134 |
| Cost of funding earning assets | 2.2389% | 2,237 |
| Net interest margin | 3.3143% | 5,587 |
| Noninterest income to average assets | 0.8499% | 2,202 |
| Noninterest expense to average assets | 4.0255% | 1,242 |
| Loan and lease loss provision to assets | 0.6965% | 2,643 |
| Net operating income to assets | -0.4225% | 6,348 |
| Return on assets (ROA) | -0.1847% | 6,048 |
| Pretax return on assets | -0.4209% | 6,222 |
| Return on Equity (ROE) | -1.9032% | 6,086 |
| Retained earnings to average equity (ytd only) | -1.9032% | 5,704 |
| Net charge-offs to loans | 1.2811% | 1,605 |
| Credit loss provision to net charge-offs | 88.1226% | 5,534 |
| Earnings coverage of net charge-offs (x) | -0.1213% | 6,206 |
| Efficiency ratio | 102.4403% | 962 |
| Assets per employee ($millions) | 2.8939% | 6,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3163% | 497 |
| Loan loss allowance to noncurrent loans | 109.9133% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 3.3935% | 1,968 |
| Noncurrent loans to loans | 3.0172% | 2,506 |
| Net loans and leases to total assets | 60.9270% | 5,439 |
| Net loans and leases to deposits | 69.4791% | 5,985 |
| Net loans and leases to core deposits | 79.4004% | 6,397 |
| Total domestic deposits to total assets | 87.6911% | 1,806 |
| Equity capital to assets | 10.0337% | 4,050 |
| Core capital (leverage) ratio | 8.2852% | 5,862 |
| Tier 1 risk-based capital ratio | 12.4791% | 4,555 |
| Total risk-based capital ratio | 13.7522% | 4,491 |
| Memoranda: | ||
| Average total assets | $132,087,500 | 4,316 |
| Average earning assets | $122,736,500 | 4,283 |
| Average equity | $12,820,250 | 4,582 |
| Average total loans | $81,488,750 | 4,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5259% | 4,473 |
| Cost of funding earning assets | 2.3224% | 2,267 |
| Net interest margin | 3.2035% | 5,902 |
| Noninterest income to average assets | 0.9620% | 1,722 |
| Noninterest expense to average assets | 3.8123% | 1,638 |
| Loan and lease loss provision to assets | -0.0524% | 8,155 |
| Net operating income to assets | 0.1373% | 5,458 |
| Return on assets (ROA) | 0.4115% | 4,573 |
| Pretax return on assets | 0.5641% | 4,429 |
| Return on Equity (ROE) | 4.2852% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.2852% | 2,916 |
| Net charge-offs to loans | 0.7326% | 2,218 |
| Credit loss provision to net charge-offs | -11.6667% | 6,890 |
| Earnings coverage of net charge-offs (x) | 0.3033% | 5,371 |
| Efficiency ratio | 96.5517% | 1,343 |
| Assets per employee ($millions) | 2.9099% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9168% | 605 |
| Loan loss allowance to noncurrent loans | 72.8834% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 3.2005% | 1,957 |
| Noncurrent loans to loans | 4.0020% | 1,697 |
| Net loans and leases to total assets | 60.1506% | 5,656 |
| Net loans and leases to deposits | 67.6395% | 6,232 |
| Net loans and leases to core deposits | 77.3823% | 6,585 |
| Total domestic deposits to total assets | 88.9282% | 1,300 |
| Equity capital to assets | 9.6232% | 4,464 |
| Core capital (leverage) ratio | 8.3067% | 5,785 |
| Tier 1 risk-based capital ratio | 12.6494% | 4,394 |
| Total risk-based capital ratio | 13.9172% | 4,302 |
| Memoranda: | ||
| Average total assets | $133,673,000 | 4,313 |
| Average earning assets | $124,612,670 | 4,251 |
| Average equity | $12,835,000 | 4,585 |
| Average total loans | $81,905,000 | 4,530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5060% | 4,882 |
| Cost of funding earning assets | 2.4085% | 2,257 |
| Net interest margin | 3.0975% | 6,204 |
| Noninterest income to average assets | 0.7815% | 2,423 |
| Noninterest expense to average assets | 3.7071% | 1,642 |
| Loan and lease loss provision to assets | 0.2366% | 4,088 |
| Net operating income to assets | -0.0813% | 6,382 |
| Return on assets (ROA) | -0.0449% | 6,454 |
| Pretax return on assets | -0.2246% | 6,598 |
| Return on Equity (ROE) | -0.4683% | 6,463 |
| Retained earnings to average equity (ytd only) | -0.4683% | 5,758 |
| Net charge-offs to loans | 1.6562% | 873 |
| Credit loss provision to net charge-offs | 23.4421% | 5,034 |
| Earnings coverage of net charge-offs (x) | -0.0445% | 5,020 |
| Efficiency ratio | 101.2265% | 1,080 |
| Assets per employee ($millions) | 3.2447% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1008% | 450 |
| Loan loss allowance to noncurrent loans | 56.6115% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 4.0858% | 1,250 |
| Noncurrent loans to loans | 5.4773% | 939 |
| Net loans and leases to total assets | 57.2364% | 6,064 |
| Net loans and leases to deposits | 64.6006% | 6,501 |
| Net loans and leases to core deposits | 75.3813% | 6,721 |
| Total domestic deposits to total assets | 88.6004% | 1,425 |
| Equity capital to assets | 9.4477% | 4,747 |
| Core capital (leverage) ratio | 8.3381% | 5,833 |
| Tier 1 risk-based capital ratio | 12.8399% | 4,299 |
| Total risk-based capital ratio | 14.1114% | 4,202 |
| Memoranda: | ||
| Average total assets | $133,582,500 | 4,333 |
| Average earning assets | $124,227,500 | 4,285 |
| Average equity | $12,812,000 | 4,625 |
| Average total loans | $81,391,000 | 4,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0902% | 5,099 |
| Cost of funding earning assets | 3.0835% | 1,561 |
| Net interest margin | 3.0067% | 6,893 |
| Noninterest income to average assets | 1.1061% | 1,284 |
| Noninterest expense to average assets | 3.2591% | 3,120 |
| Loan and lease loss provision to assets | 0.6955% | 2,108 |
| Net operating income to assets | 0.0730% | 6,173 |
| Return on assets (ROA) | 0.0768% | 6,011 |
| Pretax return on assets | -0.0650% | 6,227 |
| Return on Equity (ROE) | 0.8568% | 5,961 |
| Retained earnings to average equity (ytd only) | 0.8568% | 4,710 |
| Net charge-offs to loans | 1.4183% | 828 |
| Credit loss provision to net charge-offs | 77.7870% | 5,943 |
| Earnings coverage of net charge-offs (x) | 0.6986% | 5,804 |
| Efficiency ratio | 83.9163% | 2,064 |
| Assets per employee ($millions) | 3.2722% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3469% | 318 |
| Loan loss allowance to noncurrent loans | 60.2362% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.3297% | 901 |
| Noncurrent loans to loans | 5.5562% | 722 |
| Net loans and leases to total assets | 60.7634% | 5,801 |
| Net loans and leases to deposits | 69.6696% | 6,304 |
| Net loans and leases to core deposits | 82.0247% | 6,462 |
| Total domestic deposits to total assets | 87.2166% | 1,830 |
| Equity capital to assets | 9.7404% | 4,379 |
| Core capital (leverage) ratio | 8.4638% | 5,634 |
| Tier 1 risk-based capital ratio | 12.9039% | 4,159 |
| Total risk-based capital ratio | 14.1783% | 4,070 |
| Memoranda: | ||
| Average total assets | $135,435,800 | 4,176 |
| Average earning assets | $125,119,000 | 4,152 |
| Average equity | $12,137,600 | 4,797 |
| Average total loans | $85,385,800 | 4,349 |