Home > Landmark Bank > Performance and Condition Ratios
Landmark Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 1,256 |
| Cost of funding earning assets | 0.6814% | 901 |
| Net interest margin | 3.9294% | 1,859 |
| Noninterest income to average assets | 0.2331% | 5,017 |
| Noninterest expense to average assets | 2.3472% | 4,428 |
| Loan and lease loss provision to assets | 0.5708% | 231 |
| Net operating income to assets | 0.6728% | 3,900 |
| Return on assets (ROA) | 0.6728% | 4,013 |
| Pretax return on assets | 1.0310% | 3,361 |
| Return on Equity (ROE) | 5.2314% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.2314% | 2,179 |
| Net charge-offs to loans | 0.1631% | 1,654 |
| Credit loss provision to net charge-offs | 436.1781% | 732 |
| Earnings coverage of net charge-offs (x) | 12.2393% | 2,471 |
| Efficiency ratio | 58.8724% | 4,738 |
| Assets per employee ($millions) | 8.0790% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 538 |
| Loan loss allowance to noncurrent loans | 120.4604% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 1,139 |
| Noncurrent loans to loans | 1.7530% | 1,094 |
| Net loans and leases to total assets | 82.7307% | 515 |
| Net loans and leases to deposits | 105.4518% | 372 |
| Net loans and leases to core deposits | 109.9120% | 903 |
| Total domestic deposits to total assets | 78.4535% | 4,900 |
| Equity capital to assets | 13.8778% | 927 |
| Core capital (leverage) ratio | 13.1599% | 1,079 |
| Tier 1 risk-based capital ratio | 16.9535% | 2,172 |
| Total risk-based capital ratio | 18.2151% | 2,121 |
| Memoranda: | ||
| Average total assets | $411,846,400 | 1,640 |
| Average earning assets | $389,471,800 | 1,609 |
| Average equity | $52,968,600 | 1,451 |
| Average total loans | $330,468,800 | 1,410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 1,359 |
| Cost of funding earning assets | 0.6790% | 911 |
| Net interest margin | 3.8912% | 2,000 |
| Noninterest income to average assets | 0.1648% | 5,443 |
| Noninterest expense to average assets | 2.3585% | 4,389 |
| Loan and lease loss provision to assets | 0.7538% | 143 |
| Net operating income to assets | 0.4867% | 4,740 |
| Return on assets (ROA) | 0.4867% | 4,833 |
| Pretax return on assets | 0.7330% | 4,518 |
| Return on Equity (ROE) | 3.8569% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.8569% | 3,562 |
| Net charge-offs to loans | 0.3885% | 563 |
| Credit loss provision to net charge-offs | 244.8958% | 1,215 |
| Earnings coverage of net charge-offs (x) | 4.8302% | 3,219 |
| Efficiency ratio | 60.7438% | 4,435 |
| Assets per employee ($millions) | 9.4485% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 792 |
| Loan loss allowance to noncurrent loans | 110.3838% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.3001% | 1,478 |
| Noncurrent loans to loans | 1.7606% | 1,181 |
| Net loans and leases to total assets | 72.4061% | 2,128 |
| Net loans and leases to deposits | 88.5898% | 1,945 |
| Net loans and leases to core deposits | 91.8472% | 2,396 |
| Total domestic deposits to total assets | 81.7318% | 4,029 |
| Equity capital to assets | 11.5972% | 2,433 |
| Core capital (leverage) ratio | 12.9025% | 1,227 |
| Tier 1 risk-based capital ratio | 16.2579% | 2,521 |
| Total risk-based capital ratio | 17.5172% | 2,469 |
| Memoranda: | ||
| Average total assets | $415,840,500 | 1,630 |
| Average earning assets | $393,326,000 | 1,600 |
| Average equity | $52,476,250 | 1,470 |
| Average total loans | $329,443,250 | 1,417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 968 |
| Cost of funding earning assets | 0.7013% | 802 |
| Net interest margin | 4.0407% | 1,523 |
| Noninterest income to average assets | 0.1569% | 5,534 |
| Noninterest expense to average assets | 2.4672% | 4,129 |
| Loan and lease loss provision to assets | 1.1751% | 81 |
| Net operating income to assets | 0.2299% | 5,471 |
| Return on assets (ROA) | 0.2299% | 5,532 |
| Pretax return on assets | 0.3189% | 5,473 |
| Return on Equity (ROE) | 1.7668% | 5,561 |
| Retained earnings to average equity (ytd only) | 1.7668% | 4,673 |
| Net charge-offs to loans | 0.6677% | 308 |
| Credit loss provision to net charge-offs | 216.4825% | 1,234 |
| Earnings coverage of net charge-offs (x) | 2.7523% | 3,214 |
| Efficiency ratio | 61.6656% | 4,393 |
| Assets per employee ($millions) | 8.4106% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9575% | 804 |
| Loan loss allowance to noncurrent loans | 150.3922% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 2,022 |
| Noncurrent loans to loans | 1.3016% | 1,738 |
| Net loans and leases to total assets | 79.2127% | 1,033 |
| Net loans and leases to deposits | 99.1255% | 773 |
| Net loans and leases to core deposits | 102.9356% | 1,406 |
| Total domestic deposits to total assets | 79.9116% | 4,569 |
| Equity capital to assets | 12.7692% | 1,626 |
| Core capital (leverage) ratio | 13.0589% | 1,125 |
| Tier 1 risk-based capital ratio | 15.9302% | 2,673 |
| Total risk-based capital ratio | 17.1891% | 2,607 |
| Memoranda: | ||
| Average total assets | $400,129,000 | 1,688 |
| Average earning assets | $376,718,670 | 1,657 |
| Average equity | $52,071,000 | 1,483 |
| Average total loans | $325,302,330 | 1,433 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5507% | 1,376 |
| Cost of funding earning assets | 0.7029% | 799 |
| Net interest margin | 3.8478% | 2,112 |
| Noninterest income to average assets | 0.1604% | 5,530 |
| Noninterest expense to average assets | 2.5220% | 4,004 |
| Loan and lease loss provision to assets | 0.7612% | 138 |
| Net operating income to assets | 0.3562% | 5,123 |
| Return on assets (ROA) | 0.3562% | 5,209 |
| Pretax return on assets | 0.5216% | 5,024 |
| Return on Equity (ROE) | 2.7107% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.7107% | 4,156 |
| Net charge-offs to loans | -0.0199% | 4,852 |
| Credit loss provision to net charge-offs | -4,687.5000% | 5,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6175% | 3,861 |
| Assets per employee ($millions) | 8.1469% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 1,087 |
| Loan loss allowance to noncurrent loans | 42.3188% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 3.4916% | 321 |
| Noncurrent loans to loans | 4.3310% | 258 |
| Net loans and leases to total assets | 79.1424% | 929 |
| Net loans and leases to deposits | 99.1365% | 680 |
| Net loans and leases to core deposits | 102.9024% | 1,272 |
| Total domestic deposits to total assets | 79.8318% | 4,780 |
| Equity capital to assets | 12.8822% | 1,472 |
| Core capital (leverage) ratio | 13.6167% | 942 |
| Tier 1 risk-based capital ratio | 16.3794% | 2,527 |
| Total risk-based capital ratio | 17.6376% | 2,480 |
| Memoranda: | ||
| Average total assets | $394,134,500 | 1,715 |
| Average earning assets | $373,302,000 | 1,668 |
| Average equity | $51,794,500 | 1,485 |
| Average total loans | $321,469,500 | 1,442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 373 |
| Cost of funding earning assets | 0.7019% | 817 |
| Net interest margin | 4.5876% | 559 |
| Noninterest income to average assets | 0.2859% | 4,844 |
| Noninterest expense to average assets | 2.5604% | 4,039 |
| Loan and lease loss provision to assets | 0.0045% | 4,301 |
| Net operating income to assets | 1.3317% | 1,200 |
| Return on assets (ROA) | 1.3317% | 1,238 |
| Pretax return on assets | 2.0944% | 441 |
| Return on Equity (ROE) | 10.3005% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.3005% | 422 |
| Net charge-offs to loans | 0.3018% | 999 |
| Credit loss provision to net charge-offs | 1.7764% | 3,888 |
| Earnings coverage of net charge-offs (x) | 8.2466% | 2,981 |
| Efficiency ratio | 54.3182% | 5,502 |
| Assets per employee ($millions) | 7.6185% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6701% | 1,418 |
| Loan loss allowance to noncurrent loans | 53.3787% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5834% | 584 |
| Noncurrent loans to loans | 3.1287% | 499 |
| Net loans and leases to total assets | 81.1931% | 675 |
| Net loans and leases to deposits | 104.7745% | 405 |
| Net loans and leases to core deposits | 108.7355% | 932 |
| Total domestic deposits to total assets | 77.4932% | 5,241 |
| Equity capital to assets | 13.4184% | 1,154 |
| Core capital (leverage) ratio | 13.3670% | 1,011 |
| Tier 1 risk-based capital ratio | 16.5881% | 2,434 |
| Total risk-based capital ratio | 17.8438% | 2,388 |
| Memoranda: | ||
| Average total assets | $375,998,400 | 1,747 |
| Average earning assets | $358,443,200 | 1,686 |
| Average equity | $48,609,400 | 1,538 |
| Average total loans | $317,056,600 | 1,401 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 303 |
| Cost of funding earning assets | 0.6981% | 847 |
| Net interest margin | 4.7302% | 434 |
| Noninterest income to average assets | 0.1377% | 5,799 |
| Noninterest expense to average assets | 2.4587% | 4,323 |
| Loan and lease loss provision to assets | 0.0060% | 4,144 |
| Net operating income to assets | 1.3903% | 1,129 |
| Return on assets (ROA) | 1.3903% | 1,179 |
| Pretax return on assets | 2.1926% | 423 |
| Return on Equity (ROE) | 10.8591% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.8591% | 494 |
| Net charge-offs to loans | 0.0554% | 2,810 |
| Credit loss provision to net charge-offs | 12.8788% | 3,425 |
| Earnings coverage of net charge-offs (x) | 46.8170% | 1,109 |
| Efficiency ratio | 52.1427% | 5,648 |
| Assets per employee ($millions) | 7.5250% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8511% | 1,175 |
| Loan loss allowance to noncurrent loans | 54.2291% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 2.8643% | 553 |
| Noncurrent loans to loans | 3.4134% | 471 |
| Net loans and leases to total assets | 82.3593% | 538 |
| Net loans and leases to deposits | 105.7021% | 377 |
| Net loans and leases to core deposits | 110.3838% | 860 |
| Total domestic deposits to total assets | 77.9164% | 5,199 |
| Equity capital to assets | 12.7759% | 1,576 |
| Core capital (leverage) ratio | 13.0713% | 1,181 |
| Tier 1 risk-based capital ratio | 15.7111% | 2,944 |
| Total risk-based capital ratio | 16.9692% | 2,875 |
| Memoranda: | ||
| Average total assets | $374,766,750 | 1,764 |
| Average earning assets | $358,084,000 | 1,697 |
| Average equity | $47,983,250 | 1,559 |
| Average total loans | $317,686,250 | 1,401 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4427% | 294 |
| Cost of funding earning assets | 0.7028% | 833 |
| Net interest margin | 4.7399% | 410 |
| Noninterest income to average assets | 0.1343% | 5,886 |
| Noninterest expense to average assets | 2.4140% | 4,500 |
| Loan and lease loss provision to assets | 0.0092% | 3,922 |
| Net operating income to assets | 1.4239% | 1,046 |
| Return on assets (ROA) | 1.4239% | 1,084 |
| Pretax return on assets | 2.2516% | 381 |
| Return on Equity (ROE) | 11.1131% | 1,645 |
| Retained earnings to average equity (ytd only) | 11.1131% | 491 |
| Net charge-offs to loans | 0.0987% | 2,028 |
| Credit loss provision to net charge-offs | 10.9677% | 3,093 |
| Earnings coverage of net charge-offs (x) | 26.9290% | 1,466 |
| Efficiency ratio | 50.9674% | 5,804 |
| Assets per employee ($millions) | 7.6082% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 1,284 |
| Loan loss allowance to noncurrent loans | 43.9405% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 3.4174% | 428 |
| Noncurrent loans to loans | 4.1997% | 343 |
| Net loans and leases to total assets | 79.8699% | 819 |
| Net loans and leases to deposits | 100.3928% | 630 |
| Net loans and leases to core deposits | 105.1209% | 1,118 |
| Total domestic deposits to total assets | 79.5574% | 4,967 |
| Equity capital to assets | 12.0754% | 1,970 |
| Core capital (leverage) ratio | 12.8770% | 1,225 |
| Tier 1 risk-based capital ratio | 15.5171% | 3,098 |
| Total risk-based capital ratio | 16.7755% | 3,038 |
| Memoranda: | ||
| Average total assets | $369,255,670 | 1,800 |
| Average earning assets | $353,721,670 | 1,730 |
| Average equity | $47,313,670 | 1,583 |
| Average total loans | $314,131,670 | 1,419 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 234 |
| Cost of funding earning assets | 0.7306% | 728 |
| Net interest margin | 4.8361% | 327 |
| Noninterest income to average assets | 0.1079% | 6,048 |
| Noninterest expense to average assets | 2.5980% | 3,935 |
| Loan and lease loss provision to assets | 0.0193% | 3,461 |
| Net operating income to assets | 1.3388% | 1,164 |
| Return on assets (ROA) | 1.3388% | 1,232 |
| Pretax return on assets | 2.1132% | 469 |
| Return on Equity (ROE) | 10.1149% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.1149% | 897 |
| Net charge-offs to loans | 0.2318% | 1,024 |
| Credit loss provision to net charge-offs | 9.5506% | 2,434 |
| Earnings coverage of net charge-offs (x) | 10.5506% | 1,926 |
| Efficiency ratio | 54.2007% | 5,663 |
| Assets per employee ($millions) | 7.0033% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 1,148 |
| Loan loss allowance to noncurrent loans | 40.6223% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 4.0918% | 366 |
| Noncurrent loans to loans | 4.8386% | 291 |
| Net loans and leases to total assets | 82.6136% | 406 |
| Net loans and leases to deposits | 105.9394% | 317 |
| Net loans and leases to core deposits | 111.2910% | 694 |
| Total domestic deposits to total assets | 77.9820% | 5,453 |
| Equity capital to assets | 12.9673% | 1,421 |
| Core capital (leverage) ratio | 13.4057% | 1,006 |
| Tier 1 risk-based capital ratio | 16.1004% | 2,874 |
| Total risk-based capital ratio | 17.3604% | 2,805 |
| Memoranda: | ||
| Average total assets | $352,267,500 | 1,888 |
| Average earning assets | $336,718,000 | 1,829 |
| Average equity | $46,624,500 | 1,608 |
| Average total loans | $307,139,500 | 1,446 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 473 |
| Cost of funding earning assets | 0.7464% | 863 |
| Net interest margin | 4.5085% | 737 |
| Noninterest income to average assets | 0.7606% | 2,035 |
| Noninterest expense to average assets | 2.5788% | 4,298 |
| Loan and lease loss provision to assets | 0.0028% | 4,546 |
| Net operating income to assets | 1.5660% | 764 |
| Return on assets (ROA) | 1.5209% | 873 |
| Pretax return on assets | 2.4061% | 227 |
| Return on Equity (ROE) | 11.2519% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.2519% | 354 |
| Net charge-offs to loans | 0.0407% | 4,012 |
| Credit loss provision to net charge-offs | 8.1818% | 4,123 |
| Earnings coverage of net charge-offs (x) | 72.1636% | 693 |
| Efficiency ratio | 50.5928% | 6,060 |
| Assets per employee ($millions) | 6.9462% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6087% | 481 |
| Loan loss allowance to noncurrent loans | 42.7059% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 5.5505% | 227 |
| Noncurrent loans to loans | 6.1086% | 182 |
| Net loans and leases to total assets | 88.4932% | 98 |
| Net loans and leases to deposits | 116.3451% | 136 |
| Net loans and leases to core deposits | 122.4266% | 353 |
| Total domestic deposits to total assets | 76.0610% | 5,719 |
| Equity capital to assets | 13.5225% | 1,151 |
| Core capital (leverage) ratio | 13.4541% | 986 |
| Tier 1 risk-based capital ratio | 15.3856% | 3,279 |
| Total risk-based capital ratio | 16.6537% | 3,216 |
| Memoranda: | ||
| Average total assets | $320,147,400 | 2,030 |
| Average earning assets | $305,182,000 | 1,968 |
| Average equity | $43,272,800 | 1,662 |
| Average total loans | $270,593,600 | 1,573 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 819 |
| Cost of funding earning assets | 0.7414% | 937 |
| Net interest margin | 4.2241% | 1,213 |
| Noninterest income to average assets | 0.9868% | 1,261 |
| Noninterest expense to average assets | 2.4762% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6311% | 697 |
| Return on assets (ROA) | 1.5699% | 842 |
| Pretax return on assets | 2.4411% | 238 |
| Return on Equity (ROE) | 11.6158% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.6158% | 445 |
| Net charge-offs to loans | 0.0169% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 181.6620% | 352 |
| Efficiency ratio | 49.1264% | 6,141 |
| Assets per employee ($millions) | 7.2537% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 1,052 |
| Loan loss allowance to noncurrent loans | 21.4970% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 8.3650% | 123 |
| Noncurrent loans to loans | 9.8974% | 76 |
| Net loans and leases to total assets | 82.7188% | 437 |
| Net loans and leases to deposits | 107.9045% | 268 |
| Net loans and leases to core deposits | 114.4292% | 573 |
| Total domestic deposits to total assets | 76.6593% | 5,734 |
| Equity capital to assets | 12.8891% | 1,484 |
| Core capital (leverage) ratio | 12.8408% | 1,252 |
| Tier 1 risk-based capital ratio | 15.9131% | 3,095 |
| Total risk-based capital ratio | 17.1754% | 3,037 |
| Memoranda: | ||
| Average total assets | $315,093,000 | 2,079 |
| Average earning assets | $300,334,250 | 2,009 |
| Average equity | $42,584,500 | 1,699 |
| Average total loans | $260,925,000 | 1,628 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,854 |
| Cost of funding earning assets | 0.7195% | 1,087 |
| Net interest margin | 3.7723% | 2,659 |
| Noninterest income to average assets | 0.1059% | 6,268 |
| Noninterest expense to average assets | 2.2331% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9669% | 2,467 |
| Return on assets (ROA) | 0.9669% | 2,558 |
| Pretax return on assets | 1.4694% | 1,636 |
| Return on Equity (ROE) | 7.0301% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.0301% | 1,758 |
| Net charge-offs to loans | -0.0328% | 5,718 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3127% | 5,247 |
| Assets per employee ($millions) | 8.4920% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1221% | 1,139 |
| Loan loss allowance to noncurrent loans | 15.3178% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 11.3258% | 77 |
| Noncurrent loans to loans | 13.8538% | 40 |
| Net loans and leases to total assets | 80.0176% | 687 |
| Net loans and leases to deposits | 101.5091% | 479 |
| Net loans and leases to core deposits | 106.9670% | 834 |
| Total domestic deposits to total assets | 78.8280% | 5,494 |
| Equity capital to assets | 11.6630% | 2,270 |
| Core capital (leverage) ratio | 13.6174% | 942 |
| Tier 1 risk-based capital ratio | 14.9388% | 3,673 |
| Total risk-based capital ratio | 16.2006% | 3,608 |
| Memoranda: | ||
| Average total assets | $304,065,000 | 2,144 |
| Average earning assets | $289,903,670 | 2,075 |
| Average equity | $41,820,330 | 1,719 |
| Average total loans | $249,810,330 | 1,697 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 1,033 |
| Cost of funding earning assets | 0.7830% | 815 |
| Net interest margin | 4.0223% | 1,674 |
| Noninterest income to average assets | 0.1126% | 6,292 |
| Noninterest expense to average assets | 2.3940% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0193% | 2,133 |
| Return on assets (ROA) | 1.0193% | 2,200 |
| Pretax return on assets | 1.5502% | 1,290 |
| Return on Equity (ROE) | 6.7284% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.7284% | 2,178 |
| Net charge-offs to loans | -0.0497% | 5,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6971% | 5,310 |
| Assets per employee ($millions) | 8.1917% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 544 |
| Loan loss allowance to noncurrent loans | 59.6246% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 3.8069% | 653 |
| Noncurrent loans to loans | 4.6897% | 500 |
| Net loans and leases to total assets | 78.9061% | 668 |
| Net loans and leases to deposits | 102.1198% | 364 |
| Net loans and leases to core deposits | 109.0958% | 622 |
| Total domestic deposits to total assets | 77.2682% | 5,933 |
| Equity capital to assets | 15.0059% | 673 |
| Core capital (leverage) ratio | 15.2614% | 568 |
| Tier 1 risk-based capital ratio | 19.5334% | 1,825 |
| Total risk-based capital ratio | 20.8043% | 1,793 |
| Memoranda: | ||
| Average total assets | $273,519,500 | 2,354 |
| Average earning assets | $260,545,500 | 2,284 |
| Average equity | $41,436,500 | 1,725 |
| Average total loans | $225,453,500 | 1,859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1021% | 759 |
| Cost of funding earning assets | 0.8386% | 1,003 |
| Net interest margin | 4.2634% | 1,189 |
| Noninterest income to average assets | 0.1663% | 6,091 |
| Noninterest expense to average assets | 2.4896% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1054% | 1,918 |
| Return on assets (ROA) | 1.1054% | 1,985 |
| Pretax return on assets | 1.7681% | 821 |
| Return on Equity (ROE) | 7.1622% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.1622% | 1,375 |
| Net charge-offs to loans | 0.5311% | 1,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.9046% | 3,720 |
| Efficiency ratio | 58.4728% | 5,679 |
| Assets per employee ($millions) | 8.1370% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7996% | 603 |
| Loan loss allowance to noncurrent loans | 44.4711% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 5.2707% | 427 |
| Noncurrent loans to loans | 6.2953% | 303 |
| Net loans and leases to total assets | 81.3803% | 460 |
| Net loans and leases to deposits | 107.1995% | 226 |
| Net loans and leases to core deposits | 115.1223% | 442 |
| Total domestic deposits to total assets | 75.9148% | 6,102 |
| Equity capital to assets | 15.2982% | 624 |
| Core capital (leverage) ratio | 15.5085% | 539 |
| Tier 1 risk-based capital ratio | 19.3329% | 1,830 |
| Total risk-based capital ratio | 20.6042% | 1,786 |
| Memoranda: | ||
| Average total assets | $256,826,000 | 2,464 |
| Average earning assets | $246,469,400 | 2,369 |
| Average equity | $39,638,600 | 1,765 |
| Average total loans | $218,970,400 | 1,871 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0616% | 831 |
| Cost of funding earning assets | 0.8452% | 1,072 |
| Net interest margin | 4.2165% | 1,285 |
| Noninterest income to average assets | 0.1754% | 6,139 |
| Noninterest expense to average assets | 2.4891% | 4,757 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0886% | 2,048 |
| Return on assets (ROA) | 1.0886% | 2,127 |
| Pretax return on assets | 1.7418% | 1,014 |
| Return on Equity (ROE) | 7.0368% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.0368% | 1,857 |
| Net charge-offs to loans | 0.6865% | 876 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.9616% | 3,850 |
| Efficiency ratio | 58.8308% | 5,580 |
| Assets per employee ($millions) | 8.2179% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8605% | 637 |
| Loan loss allowance to noncurrent loans | 30.7472% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 8.1282% | 218 |
| Noncurrent loans to loans | 9.3032% | 160 |
| Net loans and leases to total assets | 84.4733% | 217 |
| Net loans and leases to deposits | 113.1452% | 120 |
| Net loans and leases to core deposits | 119.5243% | 333 |
| Total domestic deposits to total assets | 74.6592% | 6,315 |
| Equity capital to assets | 15.8168% | 580 |
| Core capital (leverage) ratio | 15.6279% | 550 |
| Tier 1 risk-based capital ratio | 19.0443% | 1,981 |
| Total risk-based capital ratio | 20.3168% | 1,936 |
| Memoranda: | ||
| Average total assets | $253,902,000 | 2,511 |
| Average earning assets | $244,210,750 | 2,401 |
| Average equity | $39,278,500 | 1,790 |
| Average total loans | $217,508,500 | 1,880 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 822 |
| Cost of funding earning assets | 0.8628% | 1,074 |
| Net interest margin | 4.2037% | 1,264 |
| Noninterest income to average assets | 0.1916% | 6,062 |
| Noninterest expense to average assets | 2.4620% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1024% | 1,917 |
| Return on assets (ROA) | 1.1024% | 2,034 |
| Pretax return on assets | 1.7641% | 991 |
| Return on Equity (ROE) | 7.1803% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.1803% | 1,805 |
| Net charge-offs to loans | 0.1453% | 2,941 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 14.2484% | 1,838 |
| Efficiency ratio | 58.2571% | 5,700 |
| Assets per employee ($millions) | 7.8688% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3834% | 406 |
| Loan loss allowance to noncurrent loans | 30.9847% | 5,977 |
| Noncurrent assets plus other real estate owned to assets | 9.3566% | 171 |
| Noncurrent loans to loans | 10.9196% | 121 |
| Net loans and leases to total assets | 82.7868% | 308 |
| Net loans and leases to deposits | 110.8183% | 130 |
| Net loans and leases to core deposits | 117.1369% | 370 |
| Total domestic deposits to total assets | 74.7050% | 6,383 |
| Equity capital to assets | 15.7319% | 569 |
| Core capital (leverage) ratio | 15.2598% | 570 |
| Tier 1 risk-based capital ratio | 18.9841% | 1,997 |
| Total risk-based capital ratio | 20.2634% | 1,954 |
| Memoranda: | ||
| Average total assets | $253,617,670 | 2,520 |
| Average earning assets | $243,406,000 | 2,414 |
| Average equity | $38,940,000 | 1,800 |
| Average total loans | $216,165,670 | 1,895 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1824% | 621 |
| Cost of funding earning assets | 0.8909% | 1,034 |
| Net interest margin | 4.2915% | 986 |
| Noninterest income to average assets | 0.3316% | 5,048 |
| Noninterest expense to average assets | 2.4673% | 4,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2242% | 1,454 |
| Return on assets (ROA) | 1.2242% | 1,567 |
| Pretax return on assets | 1.9597% | 637 |
| Return on Equity (ROE) | 8.0718% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.0718% | 1,727 |
| Net charge-offs to loans | 0.3365% | 1,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.8516% | 2,154 |
| Efficiency ratio | 55.7330% | 6,084 |
| Assets per employee ($millions) | 7.9078% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4196% | 451 |
| Loan loss allowance to noncurrent loans | 34.4297% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 8.3501% | 291 |
| Noncurrent loans to loans | 9.9320% | 211 |
| Net loans and leases to total assets | 81.1982% | 336 |
| Net loans and leases to deposits | 107.9392% | 160 |
| Net loans and leases to core deposits | 114.1651% | 383 |
| Total domestic deposits to total assets | 75.2258% | 6,436 |
| Equity capital to assets | 15.4092% | 660 |
| Core capital (leverage) ratio | 14.5890% | 654 |
| Tier 1 risk-based capital ratio | 18.9942% | 2,044 |
| Total risk-based capital ratio | 20.2743% | 2,007 |
| Memoranda: | ||
| Average total assets | $254,526,000 | 2,537 |
| Average earning assets | $242,900,000 | 2,447 |
| Average equity | $38,603,500 | 1,844 |
| Average total loans | $216,369,500 | 1,900 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 1,643 |
| Cost of funding earning assets | 0.9707% | 1,522 |
| Net interest margin | 3.9982% | 2,395 |
| Noninterest income to average assets | 0.0291% | 6,756 |
| Noninterest expense to average assets | 2.3397% | 5,593 |
| Loan and lease loss provision to assets | -0.0899% | 6,916 |
| Net operating income to assets | 0.9562% | 2,516 |
| Return on assets (ROA) | 0.9562% | 2,768 |
| Pretax return on assets | 1.5517% | 1,514 |
| Return on Equity (ROE) | 6.9437% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.9437% | 1,597 |
| Net charge-offs to loans | 1.0307% | 1,046 |
| Credit loss provision to net charge-offs | -10.5934% | 6,217 |
| Earnings coverage of net charge-offs (x) | 1.7231% | 4,573 |
| Efficiency ratio | 61.5460% | 5,307 |
| Assets per employee ($millions) | 8.2581% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3897% | 474 |
| Loan loss allowance to noncurrent loans | 28.5698% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 12.4870% | 121 |
| Noncurrent loans to loans | 11.8645% | 156 |
| Net loans and leases to total assets | 83.0208% | 266 |
| Net loans and leases to deposits | 113.8109% | 116 |
| Net loans and leases to core deposits | 119.3333% | 296 |
| Total domestic deposits to total assets | 72.9463% | 6,628 |
| Equity capital to assets | 14.9272% | 758 |
| Core capital (leverage) ratio | 14.0997% | 773 |
| Tier 1 risk-based capital ratio | 16.8508% | 2,723 |
| Total risk-based capital ratio | 18.1288% | 2,675 |
| Memoranda: | ||
| Average total assets | $268,156,600 | 2,362 |
| Average earning assets | $253,015,000 | 2,289 |
| Average equity | $36,925,400 | 1,880 |
| Average total loans | $220,731,400 | 1,830 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 1,885 |
| Cost of funding earning assets | 0.9931% | 1,602 |
| Net interest margin | 3.9416% | 2,744 |
| Noninterest income to average assets | -0.0044% | 6,955 |
| Noninterest expense to average assets | 2.3225% | 5,625 |
| Loan and lease loss provision to assets | -0.1185% | 7,051 |
| Net operating income to assets | 0.9243% | 2,857 |
| Return on assets (ROA) | 0.9243% | 3,082 |
| Pretax return on assets | 1.5167% | 1,817 |
| Return on Equity (ROE) | 6.8480% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.8480% | 2,208 |
| Net charge-offs to loans | 1.2125% | 799 |
| Credit loss provision to net charge-offs | -11.9960% | 6,106 |
| Earnings coverage of net charge-offs (x) | 1.4156% | 4,582 |
| Efficiency ratio | 62.4207% | 5,081 |
| Assets per employee ($millions) | 8.8487% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5464% | 446 |
| Loan loss allowance to noncurrent loans | 29.4367% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 12.5100% | 145 |
| Noncurrent loans to loans | 12.0476% | 169 |
| Net loans and leases to total assets | 81.8539% | 348 |
| Net loans and leases to deposits | 113.2183% | 118 |
| Net loans and leases to core deposits | 120.3668% | 302 |
| Total domestic deposits to total assets | 72.2974% | 6,728 |
| Equity capital to assets | 14.6252% | 932 |
| Core capital (leverage) ratio | 13.3961% | 1,047 |
| Tier 1 risk-based capital ratio | 16.8865% | 2,787 |
| Total risk-based capital ratio | 18.1671% | 2,737 |
| Memoranda: | ||
| Average total assets | $271,195,250 | 2,355 |
| Average earning assets | $256,299,250 | 2,288 |
| Average equity | $36,603,250 | 1,914 |
| Average total loans | $220,916,250 | 1,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 2,136 |
| Cost of funding earning assets | 1.0072% | 1,727 |
| Net interest margin | 3.8864% | 2,966 |
| Noninterest income to average assets | -0.0616% | 7,063 |
| Noninterest expense to average assets | 2.2582% | 5,852 |
| Loan and lease loss provision to assets | -0.1746% | 7,145 |
| Net operating income to assets | 0.9223% | 2,798 |
| Return on assets (ROA) | 0.9223% | 3,062 |
| Pretax return on assets | 1.5308% | 1,776 |
| Return on Equity (ROE) | 7.0149% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.0149% | 2,093 |
| Net charge-offs to loans | 0.8091% | 1,361 |
| Credit loss provision to net charge-offs | -26.8374% | 5,960 |
| Earnings coverage of net charge-offs (x) | 2.0846% | 3,947 |
| Efficiency ratio | 62.4775% | 5,170 |
| Assets per employee ($millions) | 10.3805% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0608% | 327 |
| Loan loss allowance to noncurrent loans | 30.7826% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 13.0570% | 145 |
| Noncurrent loans to loans | 13.1917% | 137 |
| Net loans and leases to total assets | 77.3311% | 807 |
| Net loans and leases to deposits | 104.0351% | 277 |
| Net loans and leases to core deposits | 110.3596% | 563 |
| Total domestic deposits to total assets | 74.3318% | 6,651 |
| Equity capital to assets | 13.6783% | 1,227 |
| Core capital (leverage) ratio | 12.6825% | 1,272 |
| Tier 1 risk-based capital ratio | 16.5090% | 2,908 |
| Total risk-based capital ratio | 17.7961% | 2,851 |
| Memoranda: | ||
| Average total assets | $276,056,670 | 2,327 |
| Average earning assets | $261,118,000 | 2,249 |
| Average equity | $36,294,330 | 1,918 |
| Average total loans | $221,965,330 | 1,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9795% | 1,962 |
| Cost of funding earning assets | 1.0325% | 1,792 |
| Net interest margin | 3.9470% | 2,730 |
| Noninterest income to average assets | 0.0215% | 7,040 |
| Noninterest expense to average assets | 2.2283% | 5,966 |
| Loan and lease loss provision to assets | -0.1591% | 7,203 |
| Net operating income to assets | 0.9859% | 2,532 |
| Return on assets (ROA) | 0.9859% | 2,728 |
| Pretax return on assets | 1.6881% | 1,337 |
| Return on Equity (ROE) | 7.6481% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.6481% | 2,110 |
| Net charge-offs to loans | 0.2837% | 2,533 |
| Credit loss provision to net charge-offs | -69.8113% | 5,457 |
| Earnings coverage of net charge-offs (x) | 6.7107% | 2,164 |
| Efficiency ratio | 59.3059% | 5,722 |
| Assets per employee ($millions) | 10.5938% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3608% | 275 |
| Loan loss allowance to noncurrent loans | 25.6578% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 15.5861% | 96 |
| Noncurrent loans to loans | 16.9959% | 85 |
| Net loans and leases to total assets | 77.2599% | 664 |
| Net loans and leases to deposits | 103.9605% | 254 |
| Net loans and leases to core deposits | 109.2878% | 559 |
| Total domestic deposits to total assets | 74.3165% | 6,718 |
| Equity capital to assets | 13.1895% | 1,364 |
| Core capital (leverage) ratio | 12.1292% | 1,520 |
| Tier 1 risk-based capital ratio | 16.0284% | 3,162 |
| Total risk-based capital ratio | 17.3161% | 3,107 |
| Memoranda: | ||
| Average total assets | $279,138,000 | 2,320 |
| Average earning assets | $264,201,000 | 2,244 |
| Average equity | $35,983,000 | 1,930 |
| Average total loans | $224,175,000 | 1,826 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 2,664 |
| Cost of funding earning assets | 1.2158% | 1,927 |
| Net interest margin | 3.8321% | 3,661 |
| Noninterest income to average assets | 0.0482% | 6,841 |
| Noninterest expense to average assets | 2.4367% | 5,676 |
| Loan and lease loss provision to assets | 0.4432% | 2,379 |
| Net operating income to assets | 0.4845% | 4,492 |
| Return on assets (ROA) | 0.4845% | 4,698 |
| Pretax return on assets | 0.7753% | 4,067 |
| Return on Equity (ROE) | 4.3983% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.3983% | 3,046 |
| Net charge-offs to loans | 0.6947% | 2,418 |
| Credit loss provision to net charge-offs | 80.0948% | 4,443 |
| Earnings coverage of net charge-offs (x) | 2.2020% | 4,133 |
| Efficiency ratio | 66.6637% | 4,629 |
| Assets per employee ($millions) | 10.4755% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4159% | 274 |
| Loan loss allowance to noncurrent loans | 23.7979% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 17.1066% | 86 |
| Noncurrent loans to loans | 18.5557% | 66 |
| Net loans and leases to total assets | 76.3232% | 904 |
| Net loans and leases to deposits | 104.8223% | 284 |
| Net loans and leases to core deposits | 110.9580% | 588 |
| Total domestic deposits to total assets | 72.8120% | 6,826 |
| Equity capital to assets | 12.5998% | 1,746 |
| Core capital (leverage) ratio | 11.2423% | 2,089 |
| Tier 1 risk-based capital ratio | 15.0994% | 3,583 |
| Total risk-based capital ratio | 16.3885% | 3,520 |
| Memoranda: | ||
| Average total assets | $305,038,400 | 2,100 |
| Average earning assets | $287,124,400 | 2,041 |
| Average equity | $33,604,000 | 1,984 |
| Average total loans | $242,992,400 | 1,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 2,401 |
| Cost of funding earning assets | 1.2412% | 2,054 |
| Net interest margin | 3.9061% | 3,350 |
| Noninterest income to average assets | -0.0373% | 7,144 |
| Noninterest expense to average assets | 2.3679% | 5,858 |
| Loan and lease loss provision to assets | 0.5173% | 1,918 |
| Net operating income to assets | 0.4701% | 4,676 |
| Return on assets (ROA) | 0.4701% | 4,869 |
| Pretax return on assets | 0.7521% | 4,304 |
| Return on Equity (ROE) | 4.4113% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.4113% | 3,589 |
| Net charge-offs to loans | 0.8622% | 1,840 |
| Credit loss provision to net charge-offs | 75.3596% | 4,299 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 4,279 |
| Efficiency ratio | 65.1009% | 4,878 |
| Assets per employee ($millions) | 10.3969% | 221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2979% | 312 |
| Loan loss allowance to noncurrent loans | 41.4628% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 10.5192% | 328 |
| Noncurrent loans to loans | 10.3656% | 334 |
| Net loans and leases to total assets | 75.8397% | 1,002 |
| Net loans and leases to deposits | 102.0184% | 388 |
| Net loans and leases to core deposits | 108.1428% | 763 |
| Total domestic deposits to total assets | 74.3393% | 6,719 |
| Equity capital to assets | 12.0994% | 2,171 |
| Core capital (leverage) ratio | 10.8976% | 2,479 |
| Tier 1 risk-based capital ratio | 14.8623% | 3,749 |
| Total risk-based capital ratio | 16.1534% | 3,691 |
| Memoranda: | ||
| Average total assets | $310,588,500 | 2,069 |
| Average earning assets | $292,185,750 | 2,012 |
| Average equity | $33,095,750 | 2,010 |
| Average total loans | $247,279,500 | 1,710 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 2,777 |
| Cost of funding earning assets | 1.2533% | 2,232 |
| Net interest margin | 3.8256% | 3,664 |
| Noninterest income to average assets | -0.0309% | 7,238 |
| Noninterest expense to average assets | 2.3546% | 5,983 |
| Loan and lease loss provision to assets | 0.6869% | 1,391 |
| Net operating income to assets | 0.3286% | 5,256 |
| Return on assets (ROA) | 0.3286% | 5,390 |
| Pretax return on assets | 0.5261% | 4,978 |
| Return on Equity (ROE) | 3.2174% | 5,296 |
| Retained earnings to average equity (ytd only) | 3.2174% | 4,220 |
| Net charge-offs to loans | 1.0933% | 1,445 |
| Credit loss provision to net charge-offs | 78.7988% | 3,813 |
| Earnings coverage of net charge-offs (x) | 1.3915% | 4,236 |
| Efficiency ratio | 66.0007% | 4,871 |
| Assets per employee ($millions) | 11.2929% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1074% | 388 |
| Loan loss allowance to noncurrent loans | 37.4318% | 5,806 |
| Noncurrent assets plus other real estate owned to assets | 10.6091% | 347 |
| Noncurrent loans to loans | 10.9731% | 321 |
| Net loans and leases to total assets | 76.6903% | 969 |
| Net loans and leases to deposits | 100.4584% | 474 |
| Net loans and leases to core deposits | 106.4629% | 900 |
| Total domestic deposits to total assets | 76.3403% | 6,551 |
| Equity capital to assets | 10.7065% | 3,278 |
| Core capital (leverage) ratio | 9.5119% | 3,940 |
| Tier 1 risk-based capital ratio | 12.9519% | 4,952 |
| Total risk-based capital ratio | 14.2412% | 4,904 |
| Memoranda: | ||
| Average total assets | $317,080,000 | 2,035 |
| Average earning assets | $298,253,330 | 1,982 |
| Average equity | $32,386,670 | 2,037 |
| Average total loans | $252,807,670 | 1,697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1786% | 2,309 |
| Cost of funding earning assets | 1.2670% | 2,381 |
| Net interest margin | 3.9115% | 3,084 |
| Noninterest income to average assets | -0.2277% | 7,441 |
| Noninterest expense to average assets | 2.2973% | 6,194 |
| Loan and lease loss provision to assets | 0.4691% | 1,874 |
| Net operating income to assets | 0.4307% | 4,802 |
| Return on assets (ROA) | 0.4307% | 4,889 |
| Pretax return on assets | 0.6894% | 4,345 |
| Return on Equity (ROE) | 4.3153% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.3153% | 3,581 |
| Net charge-offs to loans | 0.7183% | 1,779 |
| Credit loss provision to net charge-offs | 82.0346% | 3,121 |
| Earnings coverage of net charge-offs (x) | 2.0260% | 3,289 |
| Efficiency ratio | 66.4756% | 4,949 |
| Assets per employee ($millions) | 11.7099% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0883% | 398 |
| Loan loss allowance to noncurrent loans | 49.0009% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 8.6119% | 524 |
| Noncurrent loans to loans | 8.3433% | 573 |
| Net loans and leases to total assets | 75.8788% | 1,043 |
| Net loans and leases to deposits | 98.0092% | 570 |
| Net loans and leases to core deposits | 104.1187% | 1,056 |
| Total domestic deposits to total assets | 77.4201% | 6,463 |
| Equity capital to assets | 10.2576% | 3,463 |
| Core capital (leverage) ratio | 9.0833% | 4,477 |
| Tier 1 risk-based capital ratio | 12.4923% | 5,278 |
| Total risk-based capital ratio | 13.7808% | 5,216 |
| Memoranda: | ||
| Average total assets | $323,166,500 | 2,021 |
| Average earning assets | $304,331,500 | 1,960 |
| Average equity | $32,257,500 | 2,031 |
| Average total loans | $257,286,500 | 1,681 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4060% | 2,646 |
| Cost of funding earning assets | 1.4891% | 2,707 |
| Net interest margin | 3.9169% | 3,409 |
| Noninterest income to average assets | -0.2555% | 7,494 |
| Noninterest expense to average assets | 1.9773% | 7,063 |
| Loan and lease loss provision to assets | 5.0206% | 75 |
| Net operating income to assets | -2.1994% | 7,113 |
| Return on assets (ROA) | -2.1851% | 7,119 |
| Pretax return on assets | -3.4960% | 7,367 |
| Return on Equity (ROE) | -20.3788% | 7,049 |
| Retained earnings to average equity (ytd only) | -20.3788% | 7,022 |
| Net charge-offs to loans | 5.4687% | 135 |
| Credit loss provision to net charge-offs | 107.6665% | 4,119 |
| Earnings coverage of net charge-offs (x) | 0.3221% | 5,787 |
| Efficiency ratio | 56.8270% | 6,486 |
| Assets per employee ($millions) | 12.6987% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8984% | 433 |
| Loan loss allowance to noncurrent loans | 41.0701% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 8.7795% | 522 |
| Noncurrent loans to loans | 9.4920% | 464 |
| Net loans and leases to total assets | 76.9717% | 1,099 |
| Net loans and leases to deposits | 98.4867% | 675 |
| Net loans and leases to core deposits | 104.5870% | 1,277 |
| Total domestic deposits to total assets | 78.1544% | 6,283 |
| Equity capital to assets | 9.7175% | 4,096 |
| Core capital (leverage) ratio | 9.1110% | 4,338 |
| Tier 1 risk-based capital ratio | 12.6135% | 4,923 |
| Total risk-based capital ratio | 13.9008% | 4,879 |
| Memoranda: | ||
| Average total assets | $339,304,000 | 1,925 |
| Average earning assets | $323,547,000 | 1,843 |
| Average equity | $36,381,000 | 1,819 |
| Average total loans | $289,321,400 | 1,548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5194% | 2,358 |
| Cost of funding earning assets | 1.5225% | 2,825 |
| Net interest margin | 3.9969% | 3,115 |
| Noninterest income to average assets | -0.2182% | 7,602 |
| Noninterest expense to average assets | 1.7896% | 7,338 |
| Loan and lease loss provision to assets | 5.9099% | 54 |
| Net operating income to assets | -2.5622% | 7,362 |
| Return on assets (ROA) | -2.5582% | 7,379 |
| Pretax return on assets | -4.0933% | 7,572 |
| Return on Equity (ROE) | -23.3304% | 7,279 |
| Retained earnings to average equity (ytd only) | -23.3304% | 7,269 |
| Net charge-offs to loans | 6.3787% | 84 |
| Credit loss provision to net charge-offs | 107.0868% | 3,988 |
| Earnings coverage of net charge-offs (x) | 0.3280% | 5,697 |
| Efficiency ratio | 49.7127% | 7,174 |
| Assets per employee ($millions) | 13.4144% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7242% | 464 |
| Loan loss allowance to noncurrent loans | 43.6689% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 8.4157% | 576 |
| Noncurrent loans to loans | 8.5282% | 583 |
| Net loans and leases to total assets | 77.8420% | 1,066 |
| Net loans and leases to deposits | 100.4116% | 627 |
| Net loans and leases to core deposits | 105.8056% | 1,345 |
| Total domestic deposits to total assets | 77.5230% | 6,362 |
| Equity capital to assets | 9.8232% | 4,382 |
| Core capital (leverage) ratio | 9.5947% | 3,774 |
| Tier 1 risk-based capital ratio | 13.0541% | 4,539 |
| Total risk-based capital ratio | 14.3380% | 4,484 |
| Memoranda: | ||
| Average total assets | $341,588,250 | 1,941 |
| Average earning assets | $326,307,750 | 1,850 |
| Average equity | $37,455,250 | 1,779 |
| Average total loans | $295,540,750 | 1,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5255% | 2,421 |
| Cost of funding earning assets | 1.5455% | 2,985 |
| Net interest margin | 3.9801% | 3,114 |
| Noninterest income to average assets | 0.0204% | 7,463 |
| Noninterest expense to average assets | 1.8536% | 7,326 |
| Loan and lease loss provision to assets | 3.2852% | 283 |
| Net operating income to assets | -0.8105% | 6,867 |
| Return on assets (ROA) | -0.8072% | 6,879 |
| Pretax return on assets | -1.2914% | 7,005 |
| Return on Equity (ROE) | -7.1202% | 6,844 |
| Retained earnings to average equity (ytd only) | -7.1202% | 6,751 |
| Net charge-offs to loans | 2.9440% | 547 |
| Credit loss provision to net charge-offs | 126.2864% | 3,193 |
| Earnings coverage of net charge-offs (x) | 0.7644% | 4,994 |
| Efficiency ratio | 48.2430% | 7,333 |
| Assets per employee ($millions) | 14.9587% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5243% | 530 |
| Loan loss allowance to noncurrent loans | 72.4024% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 6.0744% | 960 |
| Noncurrent loans to loans | 4.8677% | 1,441 |
| Net loans and leases to total assets | 81.7210% | 570 |
| Net loans and leases to deposits | 105.4898% | 418 |
| Net loans and leases to core deposits | 111.3663% | 1,073 |
| Total domestic deposits to total assets | 77.4681% | 6,400 |
| Equity capital to assets | 11.0763% | 2,788 |
| Core capital (leverage) ratio | 10.9424% | 2,279 |
| Tier 1 risk-based capital ratio | 14.0445% | 3,693 |
| Total risk-based capital ratio | 15.3259% | 3,640 |
| Memoranda: | ||
| Average total assets | $343,664,330 | 1,944 |
| Average earning assets | $329,994,330 | 1,848 |
| Average equity | $38,959,330 | 1,704 |
| Average total loans | $303,671,330 | 1,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6793% | 1,855 |
| Cost of funding earning assets | 1.5780% | 3,088 |
| Net interest margin | 4.1012% | 2,434 |
| Noninterest income to average assets | -0.0093% | 7,692 |
| Noninterest expense to average assets | 1.7504% | 7,524 |
| Loan and lease loss provision to assets | 2.6087% | 398 |
| Net operating income to assets | -0.2545% | 6,607 |
| Return on assets (ROA) | -0.2515% | 6,670 |
| Pretax return on assets | -0.4018% | 6,717 |
| Return on Equity (ROE) | -2.1937% | 6,660 |
| Retained earnings to average equity (ytd only) | -2.1937% | 6,241 |
| Net charge-offs to loans | 2.0246% | 845 |
| Credit loss provision to net charge-offs | 142.8571% | 2,488 |
| Earnings coverage of net charge-offs (x) | 1.2060% | 4,042 |
| Efficiency ratio | 44.2840% | 7,613 |
| Assets per employee ($millions) | 14.6127% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1908% | 698 |
| Loan loss allowance to noncurrent loans | 55.2457% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 5.1177% | 1,242 |
| Noncurrent loans to loans | 5.7757% | 1,175 |
| Net loans and leases to total assets | 84.5043% | 331 |
| Net loans and leases to deposits | 109.2720% | 307 |
| Net loans and leases to core deposits | 114.8936% | 1,001 |
| Total domestic deposits to total assets | 77.3339% | 6,482 |
| Equity capital to assets | 11.2000% | 2,593 |
| Core capital (leverage) ratio | 11.4674% | 1,931 |
| Tier 1 risk-based capital ratio | 14.0170% | 3,643 |
| Total risk-based capital ratio | 15.2946% | 3,591 |
| Memoranda: | ||
| Average total assets | $343,471,500 | 1,996 |
| Average earning assets | $331,802,000 | 1,891 |
| Average equity | $39,385,000 | 1,705 |
| Average total loans | $309,791,000 | 1,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1617% | 1,341 |
| Cost of funding earning assets | 2.3983% | 1,307 |
| Net interest margin | 3.7634% | 3,859 |
| Noninterest income to average assets | -0.1638% | 7,841 |
| Noninterest expense to average assets | 1.6210% | 7,756 |
| Loan and lease loss provision to assets | 2.0041% | 1,080 |
| Net operating income to assets | -0.0908% | 5,666 |
| Return on assets (ROA) | -0.2942% | 5,962 |
| Pretax return on assets | -0.4707% | 5,986 |
| Return on Equity (ROE) | -2.5004% | 5,922 |
| Retained earnings to average equity (ytd only) | -2.5004% | 5,614 |
| Net charge-offs to loans | 0.6012% | 3,416 |
| Credit loss provision to net charge-offs | 361.6081% | 884 |
| Earnings coverage of net charge-offs (x) | 3.3403% | 3,394 |
| Efficiency ratio | 46.6854% | 7,680 |
| Assets per employee ($millions) | 14.6191% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9019% | 842 |
| Loan loss allowance to noncurrent loans | 40.5945% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 6.7663% | 767 |
| Noncurrent loans to loans | 7.1484% | 770 |
| Net loans and leases to total assets | 90.5184% | 72 |
| Net loans and leases to deposits | 115.9967% | 232 |
| Net loans and leases to core deposits | 181.6380% | 153 |
| Total domestic deposits to total assets | 78.0353% | 6,205 |
| Equity capital to assets | 11.7449% | 2,167 |
| Core capital (leverage) ratio | 11.5447% | 1,892 |
| Tier 1 risk-based capital ratio | 13.7957% | 3,635 |
| Total risk-based capital ratio | 15.0697% | 3,559 |
| Memoranda: | ||
| Average total assets | $338,855,400 | 2,010 |
| Average earning assets | $327,393,400 | 1,901 |
| Average equity | $39,874,400 | 1,681 |
| Average total loans | $312,379,800 | 1,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4544% | 833 |
| Cost of funding earning assets | 2.5627% | 1,128 |
| Net interest margin | 3.8917% | 3,260 |
| Noninterest income to average assets | -0.1642% | 7,959 |
| Noninterest expense to average assets | 1.6541% | 7,798 |
| Loan and lease loss provision to assets | 1.7798% | 1,041 |
| Net operating income to assets | 0.1091% | 5,438 |
| Return on assets (ROA) | -0.1626% | 6,014 |
| Pretax return on assets | -0.2600% | 6,052 |
| Return on Equity (ROE) | -1.3810% | 5,998 |
| Retained earnings to average equity (ytd only) | -1.3810% | 5,578 |
| Net charge-offs to loans | 0.8821% | 2,201 |
| Credit loss provision to net charge-offs | 219.4673% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.3976% | 4,032 |
| Efficiency ratio | 45.9675% | 7,772 |
| Assets per employee ($millions) | 14.5899% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,575 |
| Loan loss allowance to noncurrent loans | 40.2689% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 5.0482% | 1,160 |
| Noncurrent loans to loans | 5.2477% | 1,222 |
| Net loans and leases to total assets | 91.7969% | 60 |
| Net loans and leases to deposits | 117.8144% | 241 |
| Net loans and leases to core deposits | 185.8383% | 153 |
| Total domestic deposits to total assets | 77.9165% | 6,111 |
| Equity capital to assets | 11.9422% | 2,270 |
| Core capital (leverage) ratio | 12.0081% | 1,796 |
| Tier 1 risk-based capital ratio | 13.6232% | 3,768 |
| Total risk-based capital ratio | 14.8562% | 3,715 |
| Memoranda: | ||
| Average total assets | $339,509,500 | 2,022 |
| Average earning assets | $328,245,250 | 1,906 |
| Average equity | $39,970,250 | 1,700 |
| Average total loans | $312,111,250 | 1,556 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5253% | 781 |
| Cost of funding earning assets | 2.6935% | 1,048 |
| Net interest margin | 3.8318% | 3,406 |
| Noninterest income to average assets | -0.2958% | 8,092 |
| Noninterest expense to average assets | 1.6437% | 7,888 |
| Loan and lease loss provision to assets | 1.4917% | 1,146 |
| Net operating income to assets | 0.1708% | 5,349 |
| Return on assets (ROA) | 0.1708% | 5,454 |
| Pretax return on assets | 0.2729% | 5,268 |
| Return on Equity (ROE) | 1.4573% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.4573% | 4,516 |
| Net charge-offs to loans | 0.8983% | 1,903 |
| Credit loss provision to net charge-offs | 181.8312% | 2,522 |
| Earnings coverage of net charge-offs (x) | 2.1509% | 3,999 |
| Efficiency ratio | 48.2266% | 7,742 |
| Assets per employee ($millions) | 14.5245% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7088% | 2,312 |
| Loan loss allowance to noncurrent loans | 55.0936% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.5089% | 1,771 |
| Noncurrent loans to loans | 3.1017% | 2,309 |
| Net loans and leases to total assets | 91.7219% | 65 |
| Net loans and leases to deposits | 114.4894% | 375 |
| Net loans and leases to core deposits | 182.6124% | 198 |
| Total domestic deposits to total assets | 80.1139% | 5,434 |
| Equity capital to assets | 11.9926% | 2,211 |
| Core capital (leverage) ratio | 11.8648% | 1,896 |
| Tier 1 risk-based capital ratio | 13.5972% | 3,760 |
| Total risk-based capital ratio | 14.8281% | 3,697 |
| Memoranda: | ||
| Average total assets | $340,823,670 | 2,031 |
| Average earning assets | $329,456,000 | 1,918 |
| Average equity | $39,935,670 | 1,703 |
| Average total loans | $311,251,670 | 1,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5939% | 714 |
| Cost of funding earning assets | 2.8111% | 957 |
| Net interest margin | 3.7827% | 3,521 |
| Noninterest income to average assets | -0.2452% | 8,173 |
| Noninterest expense to average assets | 1.5839% | 7,922 |
| Loan and lease loss provision to assets | 1.5049% | 834 |
| Net operating income to assets | 0.1987% | 5,662 |
| Return on assets (ROA) | 0.1987% | 5,831 |
| Pretax return on assets | 0.3173% | 5,636 |
| Return on Equity (ROE) | 1.7155% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.7155% | 4,889 |
| Net charge-offs to loans | 1.4649% | 983 |
| Credit loss provision to net charge-offs | 113.6962% | 3,414 |
| Earnings coverage of net charge-offs (x) | 1.3766% | 4,047 |
| Efficiency ratio | 46.5029% | 7,821 |
| Assets per employee ($millions) | 14.9076% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3962% | 3,521 |
| Loan loss allowance to noncurrent loans | 63.8652% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 2.8623% | 1,990 |
| Noncurrent loans to loans | 2.1862% | 3,001 |
| Net loans and leases to total assets | 89.3711% | 171 |
| Net loans and leases to deposits | 110.6840% | 584 |
| Net loans and leases to core deposits | 176.9590% | 271 |
| Total domestic deposits to total assets | 80.7443% | 5,070 |
| Equity capital to assets | 11.6451% | 2,481 |
| Core capital (leverage) ratio | 11.6641% | 2,061 |
| Tier 1 risk-based capital ratio | 13.2879% | 4,001 |
| Total risk-based capital ratio | 14.5433% | 3,917 |
| Memoranda: | ||
| Average total assets | $344,204,000 | 2,016 |
| Average earning assets | $332,248,500 | 1,903 |
| Average equity | $39,872,000 | 1,710 |
| Average total loans | $311,009,500 | 1,606 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8421% | 1,549 |
| Cost of funding earning assets | 3.4983% | 522 |
| Net interest margin | 3.3437% | 5,890 |
| Noninterest income to average assets | -0.0065% | 8,157 |
| Noninterest expense to average assets | 1.3357% | 8,103 |
| Loan and lease loss provision to assets | 0.5676% | 2,551 |
| Net operating income to assets | 0.8479% | 3,227 |
| Return on assets (ROA) | 0.8479% | 3,065 |
| Pretax return on assets | 1.3566% | 2,107 |
| Return on Equity (ROE) | 7.4037% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.4037% | 1,016 |
| Net charge-offs to loans | 0.2353% | 3,895 |
| Credit loss provision to net charge-offs | 266.2983% | 1,740 |
| Earnings coverage of net charge-offs (x) | 9.0276% | 2,768 |
| Efficiency ratio | 40.9735% | 8,108 |
| Assets per employee ($millions) | 14.3972% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 3,508 |
| Loan loss allowance to noncurrent loans | 73.8915% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.4516% | 1,978 |
| Noncurrent loans to loans | 1.8188% | 3,033 |
| Net loans and leases to total assets | 88.8673% | 293 |
| Net loans and leases to deposits | 110.9363% | 771 |
| Net loans and leases to core deposits | 174.6370% | 341 |
| Total domestic deposits to total assets | 80.1067% | 4,976 |
| Equity capital to assets | 11.5231% | 2,623 |
| Core capital (leverage) ratio | 11.7941% | 2,079 |
| Tier 1 risk-based capital ratio | 13.1352% | 4,039 |
| Total risk-based capital ratio | 14.3899% | 3,947 |
| Memoranda: | ||
| Average total assets | $339,672,400 | 1,959 |
| Average earning assets | $331,815,200 | 1,844 |
| Average equity | $38,899,600 | 1,734 |
| Average total loans | $307,680,200 | 1,575 |