Home > Liberty Bank > Performance and Condition Ratios
Liberty 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 | 4.6072% | 1,267 |
| Cost of funding earning assets | 0.3711% | 3,302 |
| Net interest margin | 4.2360% | 1,044 |
| Noninterest income to average assets | 0.5887% | 2,717 |
| Noninterest expense to average assets | 3.1955% | 1,801 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0182% | 2,273 |
| Return on assets (ROA) | 1.0182% | 2,373 |
| Pretax return on assets | 1.5188% | 1,534 |
| Return on Equity (ROE) | 7.2365% | 3,347 |
| Retained earnings to average equity (ytd only) | 4.7469% | 2,514 |
| Net charge-offs to loans | -0.2961% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7833% | 3,281 |
| Assets per employee ($millions) | 7.1207% | 868 |
| Cash dividends to net income (ytd only)* | 34.4025% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,385 |
| Loan loss allowance to noncurrent loans | 325.8691% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 3,603 |
| Noncurrent loans to loans | 0.4901% | 3,402 |
| Net loans and leases to total assets | 83.5614% | 426 |
| Net loans and leases to deposits | 98.8253% | 756 |
| Net loans and leases to core deposits | 101.5374% | 1,485 |
| Total domestic deposits to total assets | 84.5546% | 3,220 |
| Equity capital to assets | 14.5151% | 727 |
| Core capital (leverage) ratio | 15.2873% | 564 |
| Tier 1 risk-based capital ratio | 16.2593% | 2,444 |
| Total risk-based capital ratio | 17.5135% | 2,382 |
| Memoranda: | ||
| Average total assets | $223,536,200 | 2,729 |
| Average earning assets | $217,705,000 | 2,622 |
| Average equity | $31,451,800 | 2,254 |
| Average total loans | $189,114,800 | 2,217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6753% | 1,122 |
| Cost of funding earning assets | 0.3850% | 3,177 |
| Net interest margin | 4.2904% | 947 |
| Noninterest income to average assets | 0.5414% | 2,968 |
| Noninterest expense to average assets | 3.2028% | 1,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0030% | 2,417 |
| Return on assets (ROA) | 1.0030% | 2,554 |
| Pretax return on assets | 1.5201% | 1,650 |
| Return on Equity (ROE) | 7.1888% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.6944% | 3,023 |
| Net charge-offs to loans | -0.4640% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8137% | 3,257 |
| Assets per employee ($millions) | 5.8281% | 1,555 |
| Cash dividends to net income (ytd only)* | 34.6987% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6566% | 1,313 |
| Loan loss allowance to noncurrent loans | 336.0000% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,660 |
| Noncurrent loans to loans | 0.4930% | 3,523 |
| Net loans and leases to total assets | 87.8149% | 143 |
| Net loans and leases to deposits | 103.3160% | 488 |
| Net loans and leases to core deposits | 105.7427% | 1,209 |
| Total domestic deposits to total assets | 84.9965% | 2,806 |
| Equity capital to assets | 14.1881% | 971 |
| Core capital (leverage) ratio | 14.4369% | 733 |
| Tier 1 risk-based capital ratio | 15.1219% | 2,987 |
| Total risk-based capital ratio | 16.3760% | 2,925 |
| Memoranda: | ||
| Average total assets | $220,674,500 | 2,760 |
| Average earning assets | $215,081,000 | 2,658 |
| Average equity | $30,787,750 | 2,312 |
| Average total loans | $186,508,000 | 2,249 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7505% | 958 |
| Cost of funding earning assets | 0.3943% | 3,105 |
| Net interest margin | 4.3562% | 841 |
| Noninterest income to average assets | 0.4210% | 3,730 |
| Noninterest expense to average assets | 3.1587% | 1,908 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9981% | 2,405 |
| Return on assets (ROA) | 0.9981% | 2,538 |
| Pretax return on assets | 1.5126% | 1,633 |
| Return on Equity (ROE) | 7.1951% | 3,427 |
| Retained earnings to average equity (ytd only) | 4.6834% | 2,928 |
| Net charge-offs to loans | -0.7628% | 5,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6185% | 3,420 |
| Assets per employee ($millions) | 5.6951% | 1,627 |
| Cash dividends to net income (ytd only)* | 34.9091% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 1,135 |
| Loan loss allowance to noncurrent loans | 322.4054% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 0.4642% | 3,663 |
| Noncurrent loans to loans | 0.5493% | 3,420 |
| Net loans and leases to total assets | 83.0070% | 517 |
| Net loans and leases to deposits | 97.0639% | 959 |
| Net loans and leases to core deposits | 99.6266% | 1,661 |
| Total domestic deposits to total assets | 85.5179% | 2,637 |
| Equity capital to assets | 13.9679% | 1,036 |
| Core capital (leverage) ratio | 13.8060% | 872 |
| Tier 1 risk-based capital ratio | 15.2019% | 2,985 |
| Total risk-based capital ratio | 16.4568% | 2,916 |
| Memoranda: | ||
| Average total assets | $220,410,000 | 2,769 |
| Average earning assets | $215,049,000 | 2,665 |
| Average equity | $30,576,330 | 2,330 |
| Average total loans | $182,758,000 | 2,289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 2,528 |
| Cost of funding earning assets | 0.4058% | 3,004 |
| Net interest margin | 3.7793% | 2,374 |
| Noninterest income to average assets | 0.4245% | 3,651 |
| Noninterest expense to average assets | 3.1809% | 1,881 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6103% | 4,134 |
| Return on assets (ROA) | 0.6103% | 4,252 |
| Pretax return on assets | 0.9255% | 3,749 |
| Return on Equity (ROE) | 4.4148% | 4,730 |
| Retained earnings to average equity (ytd only) | 1.8845% | 4,503 |
| Net charge-offs to loans | -0.4482% | 5,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4623% | 1,973 |
| Assets per employee ($millions) | 5.6695% | 1,690 |
| Cash dividends to net income (ytd only)* | 57.3134% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,757 |
| Loan loss allowance to noncurrent loans | 111.3341% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.1205% | 1,975 |
| Noncurrent loans to loans | 1.3995% | 1,706 |
| Net loans and leases to total assets | 78.8160% | 975 |
| Net loans and leases to deposits | 91.3392% | 1,424 |
| Net loans and leases to core deposits | 93.9510% | 1,995 |
| Total domestic deposits to total assets | 86.2894% | 2,545 |
| Equity capital to assets | 13.4276% | 1,208 |
| Core capital (leverage) ratio | 13.0611% | 1,134 |
| Tier 1 risk-based capital ratio | 15.3637% | 2,988 |
| Total risk-based capital ratio | 16.6155% | 2,926 |
| Memoranda: | ||
| Average total assets | $219,560,500 | 2,782 |
| Average earning assets | $213,904,000 | 2,686 |
| Average equity | $30,352,500 | 2,348 |
| Average total loans | $180,292,000 | 2,303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 2,540 |
| Cost of funding earning assets | 0.4639% | 2,497 |
| Net interest margin | 3.7425% | 2,589 |
| Noninterest income to average assets | 0.4651% | 3,560 |
| Noninterest expense to average assets | 2.8070% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8541% | 3,088 |
| Return on assets (ROA) | 0.8541% | 3,161 |
| Pretax return on assets | 1.3031% | 2,276 |
| Return on Equity (ROE) | 6.0894% | 3,993 |
| Retained earnings to average equity (ytd only) | 4.1444% | 3,049 |
| Net charge-offs to loans | 0.3197% | 935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.0037% | 3,450 |
| Efficiency ratio | 68.2961% | 3,509 |
| Assets per employee ($millions) | 5.0557% | 2,297 |
| Cash dividends to net income (ytd only)* | 31.9398% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 2,143 |
| Loan loss allowance to noncurrent loans | 99.7342% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 1,731 |
| Noncurrent loans to loans | 1.4714% | 1,584 |
| Net loans and leases to total assets | 83.0687% | 482 |
| Net loans and leases to deposits | 97.3020% | 882 |
| Net loans and leases to core deposits | 100.4579% | 1,474 |
| Total domestic deposits to total assets | 85.3721% | 2,911 |
| Equity capital to assets | 14.2478% | 854 |
| Core capital (leverage) ratio | 14.3017% | 758 |
| Tier 1 risk-based capital ratio | 15.5683% | 2,898 |
| Total risk-based capital ratio | 16.8192% | 2,830 |
| Memoranda: | ||
| Average total assets | $210,045,600 | 2,850 |
| Average earning assets | $204,569,400 | 2,736 |
| Average equity | $29,461,200 | 2,356 |
| Average total loans | $171,110,200 | 2,343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,547 |
| Cost of funding earning assets | 0.4739% | 2,462 |
| Net interest margin | 3.7346% | 2,630 |
| Noninterest income to average assets | 0.4678% | 3,584 |
| Noninterest expense to average assets | 2.9184% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7765% | 3,545 |
| Return on assets (ROA) | 0.7765% | 3,632 |
| Pretax return on assets | 1.1858% | 2,870 |
| Return on Equity (ROE) | 5.5587% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.6040% | 3,903 |
| Net charge-offs to loans | 0.4493% | 565 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.2684% | 3,531 |
| Efficiency ratio | 71.1073% | 3,026 |
| Assets per employee ($millions) | 4.8484% | 2,492 |
| Cash dividends to net income (ytd only)* | 35.1641% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 1,988 |
| Loan loss allowance to noncurrent loans | 71.7751% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.7402% | 1,242 |
| Noncurrent loans to loans | 2.1511% | 1,036 |
| Net loans and leases to total assets | 79.6494% | 864 |
| Net loans and leases to deposits | 93.5737% | 1,251 |
| Net loans and leases to core deposits | 95.9788% | 1,884 |
| Total domestic deposits to total assets | 85.1194% | 2,961 |
| Equity capital to assets | 14.3054% | 913 |
| Core capital (leverage) ratio | 14.2846% | 792 |
| Tier 1 risk-based capital ratio | 16.6535% | 2,500 |
| Total risk-based capital ratio | 17.9060% | 2,461 |
| Memoranda: | ||
| Average total assets | $209,471,750 | 2,877 |
| Average earning assets | $203,961,500 | 2,754 |
| Average equity | $29,263,000 | 2,387 |
| Average total loans | $169,133,750 | 2,376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,578 |
| Cost of funding earning assets | 0.4793% | 2,437 |
| Net interest margin | 3.7106% | 2,666 |
| Noninterest income to average assets | 0.4690% | 3,568 |
| Noninterest expense to average assets | 2.9599% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7331% | 3,722 |
| Return on assets (ROA) | 0.7331% | 3,832 |
| Pretax return on assets | 1.1182% | 3,098 |
| Return on Equity (ROE) | 5.2896% | 4,494 |
| Retained earnings to average equity (ytd only) | 3.3292% | 3,926 |
| Net charge-offs to loans | 0.8152% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 3,464 |
| Efficiency ratio | 72.5806% | 2,913 |
| Assets per employee ($millions) | 5.5716% | 1,679 |
| Cash dividends to net income (ytd only)* | 37.0611% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4758% | 2,395 |
| Loan loss allowance to noncurrent loans | 67.8133% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7301% | 1,367 |
| Noncurrent loans to loans | 2.1763% | 1,103 |
| Net loans and leases to total assets | 78.3237% | 1,027 |
| Net loans and leases to deposits | 91.4665% | 1,429 |
| Net loans and leases to core deposits | 93.2356% | 2,036 |
| Total domestic deposits to total assets | 85.6310% | 2,862 |
| Equity capital to assets | 13.8971% | 1,017 |
| Core capital (leverage) ratio | 14.0272% | 828 |
| Tier 1 risk-based capital ratio | 16.5447% | 2,592 |
| Total risk-based capital ratio | 17.7964% | 2,542 |
| Memoranda: | ||
| Average total assets | $209,802,330 | 2,890 |
| Average earning assets | $204,062,000 | 2,769 |
| Average equity | $29,076,000 | 2,413 |
| Average total loans | $169,292,670 | 2,379 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 1,930 |
| Cost of funding earning assets | 0.4826% | 2,431 |
| Net interest margin | 3.8709% | 1,992 |
| Noninterest income to average assets | 0.3390% | 4,482 |
| Noninterest expense to average assets | 3.0971% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6550% | 4,023 |
| Return on assets (ROA) | 0.6550% | 4,144 |
| Pretax return on assets | 1.0055% | 3,478 |
| Return on Equity (ROE) | 4.7332% | 4,646 |
| Retained earnings to average equity (ytd only) | 2.7541% | 4,302 |
| Net charge-offs to loans | -0.0518% | 5,536 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4902% | 2,587 |
| Assets per employee ($millions) | 5.1876% | 2,125 |
| Cash dividends to net income (ytd only)* | 41.8129% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8815% | 1,321 |
| Loan loss allowance to noncurrent loans | 216.5312% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 3,067 |
| Noncurrent loans to loans | 0.8689% | 3,074 |
| Net loans and leases to total assets | 80.3213% | 651 |
| Net loans and leases to deposits | 93.8309% | 1,000 |
| Net loans and leases to core deposits | 95.6796% | 1,638 |
| Total domestic deposits to total assets | 85.6022% | 3,134 |
| Equity capital to assets | 14.0118% | 983 |
| Core capital (leverage) ratio | 13.9511% | 840 |
| Tier 1 risk-based capital ratio | 16.4528% | 2,705 |
| Total risk-based capital ratio | 17.7096% | 2,640 |
| Memoranda: | ||
| Average total assets | $208,843,500 | 2,922 |
| Average earning assets | $203,052,500 | 2,802 |
| Average equity | $28,902,500 | 2,436 |
| Average total loans | $169,783,500 | 2,367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,973 |
| Cost of funding earning assets | 0.5078% | 2,592 |
| Net interest margin | 3.9675% | 1,988 |
| Noninterest income to average assets | 0.5982% | 2,869 |
| Noninterest expense to average assets | 2.9054% | 3,135 |
| Loan and lease loss provision to assets | -0.4402% | 6,434 |
| Net operating income to assets | 1.4513% | 978 |
| Return on assets (ROA) | 1.4513% | 1,011 |
| Pretax return on assets | 1.9851% | 527 |
| Return on Equity (ROE) | 11.2664% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.7409% | 410 |
| Net charge-offs to loans | -0.2625% | 6,311 |
| Credit loss provision to net charge-offs | 208.8838% | 1,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2859% | 4,362 |
| Assets per employee ($millions) | 5.2546% | 2,010 |
| Cash dividends to net income (ytd only)* | 4.6642% | 4,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 1,379 |
| Loan loss allowance to noncurrent loans | 181.0610% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.9344% | 2,880 |
| Noncurrent loans to loans | 1.0330% | 2,760 |
| Net loans and leases to total assets | 79.2295% | 852 |
| Net loans and leases to deposits | 92.6375% | 1,225 |
| Net loans and leases to core deposits | 94.4363% | 1,877 |
| Total domestic deposits to total assets | 85.5264% | 3,067 |
| Equity capital to assets | 13.6690% | 1,085 |
| Core capital (leverage) ratio | 13.9827% | 818 |
| Tier 1 risk-based capital ratio | 16.6011% | 2,672 |
| Total risk-based capital ratio | 17.8445% | 2,623 |
| Memoranda: | ||
| Average total assets | $208,300,800 | 2,893 |
| Average earning assets | $202,244,600 | 2,784 |
| Average equity | $26,832,000 | 2,505 |
| Average total loans | $167,206,400 | 2,348 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,761 |
| Cost of funding earning assets | 0.5164% | 2,595 |
| Net interest margin | 4.0165% | 1,833 |
| Noninterest income to average assets | 0.7166% | 2,252 |
| Noninterest expense to average assets | 2.9337% | 3,012 |
| Loan and lease loss provision to assets | -0.5883% | 6,548 |
| Net operating income to assets | 1.6366% | 691 |
| Return on assets (ROA) | 1.6366% | 717 |
| Pretax return on assets | 2.2685% | 316 |
| Return on Equity (ROE) | 12.9043% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.1910% | 400 |
| Net charge-offs to loans | -0.0520% | 5,923 |
| Credit loss provision to net charge-offs | 1,410.7692% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5845% | 4,615 |
| Assets per employee ($millions) | 4.7743% | 2,555 |
| Cash dividends to net income (ytd only)* | 5.5274% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 2,094 |
| Loan loss allowance to noncurrent loans | 109.1193% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 2,229 |
| Noncurrent loans to loans | 1.5222% | 2,127 |
| Net loans and leases to total assets | 82.6701% | 443 |
| Net loans and leases to deposits | 97.0147% | 793 |
| Net loans and leases to core deposits | 100.3104% | 1,340 |
| Total domestic deposits to total assets | 85.2139% | 3,256 |
| Equity capital to assets | 13.9876% | 1,012 |
| Core capital (leverage) ratio | 13.7694% | 907 |
| Tier 1 risk-based capital ratio | 16.3162% | 2,895 |
| Total risk-based capital ratio | 17.5592% | 2,851 |
| Memoranda: | ||
| Average total assets | $207,830,250 | 2,924 |
| Average earning assets | $201,663,250 | 2,809 |
| Average equity | $26,357,500 | 2,544 |
| Average total loans | $166,582,750 | 2,369 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 2,102 |
| Cost of funding earning assets | 0.5169% | 2,664 |
| Net interest margin | 3.9045% | 2,143 |
| Noninterest income to average assets | 0.8798% | 1,557 |
| Noninterest expense to average assets | 2.8697% | 3,271 |
| Loan and lease loss provision to assets | -0.8722% | 6,630 |
| Net operating income to assets | 1.8909% | 418 |
| Return on assets (ROA) | 1.8909% | 428 |
| Pretax return on assets | 2.6690% | 164 |
| Return on Equity (ROE) | 15.4144% | 728 |
| Retained earnings to average equity (ytd only) | 15.4144% | 193 |
| Net charge-offs to loans | -0.0386% | 5,774 |
| Credit loss provision to net charge-offs | 2,865.6250% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4961% | 5,073 |
| Assets per employee ($millions) | 4.9315% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6467% | 2,300 |
| Loan loss allowance to noncurrent loans | 233.6993% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 4,168 |
| Noncurrent loans to loans | 0.7046% | 3,944 |
| Net loans and leases to total assets | 79.7907% | 708 |
| Net loans and leases to deposits | 92.5963% | 1,086 |
| Net loans and leases to core deposits | 95.7403% | 1,628 |
| Total domestic deposits to total assets | 86.1705% | 2,957 |
| Equity capital to assets | 13.1763% | 1,277 |
| Core capital (leverage) ratio | 12.8742% | 1,213 |
| Tier 1 risk-based capital ratio | 15.9372% | 3,124 |
| Total risk-based capital ratio | 17.1809% | 3,068 |
| Memoranda: | ||
| Average total assets | $210,267,000 | 2,912 |
| Average earning assets | $203,918,000 | 2,794 |
| Average equity | $25,794,000 | 2,584 |
| Average total loans | $165,920,330 | 2,384 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 2,749 |
| Cost of funding earning assets | 0.5180% | 2,734 |
| Net interest margin | 3.7157% | 2,803 |
| Noninterest income to average assets | 0.6099% | 2,678 |
| Noninterest expense to average assets | 2.9947% | 2,870 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9611% | 2,353 |
| Return on assets (ROA) | 0.9611% | 2,421 |
| Pretax return on assets | 1.2179% | 2,402 |
| Return on Equity (ROE) | 8.1292% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.1292% | 1,555 |
| Net charge-offs to loans | 0.0146% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 107.5000% | 431 |
| Efficiency ratio | 71.0892% | 3,647 |
| Assets per employee ($millions) | 5.2076% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1705% | 1,211 |
| Loan loss allowance to noncurrent loans | 122.9265% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.6702% | 2,115 |
| Noncurrent loans to loans | 1.7657% | 2,181 |
| Net loans and leases to total assets | 76.9684% | 886 |
| Net loans and leases to deposits | 88.0672% | 1,354 |
| Net loans and leases to core deposits | 91.1914% | 1,806 |
| Total domestic deposits to total assets | 87.3974% | 2,570 |
| Equity capital to assets | 11.8504% | 1,983 |
| Core capital (leverage) ratio | 12.0259% | 1,641 |
| Tier 1 risk-based capital ratio | 14.7535% | 3,849 |
| Total risk-based capital ratio | 16.0042% | 3,798 |
| Memoranda: | ||
| Average total assets | $211,839,500 | 2,899 |
| Average earning assets | $205,398,500 | 2,793 |
| Average equity | $25,045,500 | 2,638 |
| Average total loans | $164,865,000 | 2,400 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 2,274 |
| Cost of funding earning assets | 0.5790% | 2,844 |
| Net interest margin | 3.9040% | 2,271 |
| Noninterest income to average assets | 0.7595% | 2,256 |
| Noninterest expense to average assets | 3.0139% | 3,014 |
| Loan and lease loss provision to assets | 0.4965% | 566 |
| Net operating income to assets | 0.6753% | 3,917 |
| Return on assets (ROA) | 0.6753% | 4,009 |
| Pretax return on assets | 1.0293% | 3,230 |
| Return on Equity (ROE) | 5.7502% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.7502% | 2,137 |
| Net charge-offs to loans | 1.5456% | 300 |
| Credit loss provision to net charge-offs | 40.8377% | 4,027 |
| Earnings coverage of net charge-offs (x) | 1.2549% | 4,650 |
| Efficiency ratio | 66.3898% | 4,491 |
| Assets per employee ($millions) | 5.1260% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2578% | 1,101 |
| Loan loss allowance to noncurrent loans | 73.5697% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.6474% | 1,271 |
| Noncurrent loans to loans | 3.0690% | 1,125 |
| Net loans and leases to total assets | 75.2236% | 1,195 |
| Net loans and leases to deposits | 85.8923% | 1,700 |
| Net loans and leases to core deposits | 89.4137% | 2,091 |
| Total domestic deposits to total assets | 87.5790% | 2,433 |
| Equity capital to assets | 11.7948% | 1,954 |
| Core capital (leverage) ratio | 11.9738% | 1,624 |
| Tier 1 risk-based capital ratio | 14.9723% | 3,686 |
| Total risk-based capital ratio | 16.2243% | 3,628 |
| Memoranda: | ||
| Average total assets | $204,217,600 | 2,985 |
| Average earning assets | $197,747,200 | 2,855 |
| Average equity | $23,981,600 | 2,733 |
| Average total loans | $160,649,200 | 2,417 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 2,017 |
| Cost of funding earning assets | 0.5863% | 2,936 |
| Net interest margin | 3.9695% | 2,047 |
| Noninterest income to average assets | 0.7991% | 2,151 |
| Noninterest expense to average assets | 3.0720% | 2,753 |
| Loan and lease loss provision to assets | 0.5932% | 414 |
| Net operating income to assets | 0.6406% | 4,175 |
| Return on assets (ROA) | 0.6406% | 4,286 |
| Pretax return on assets | 0.9766% | 3,600 |
| Return on Equity (ROE) | 5.4611% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.4611% | 2,746 |
| Net charge-offs to loans | 1.6486% | 259 |
| Credit loss provision to net charge-offs | 45.4866% | 3,606 |
| Earnings coverage of net charge-offs (x) | 1.2037% | 4,439 |
| Efficiency ratio | 66.1802% | 4,449 |
| Assets per employee ($millions) | 4.7305% | 2,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5303% | 905 |
| Loan loss allowance to noncurrent loans | 95.1260% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.3828% | 1,641 |
| Noncurrent loans to loans | 2.6600% | 1,586 |
| Net loans and leases to total assets | 76.5068% | 936 |
| Net loans and leases to deposits | 87.5108% | 1,426 |
| Net loans and leases to core deposits | 90.9502% | 1,876 |
| Total domestic deposits to total assets | 87.4255% | 2,452 |
| Equity capital to assets | 11.9506% | 1,946 |
| Core capital (leverage) ratio | 11.8247% | 1,793 |
| Tier 1 risk-based capital ratio | 14.8229% | 3,861 |
| Total risk-based capital ratio | 15.9747% | 3,897 |
| Memoranda: | ||
| Average total assets | $202,730,000 | 3,029 |
| Average earning assets | $196,258,500 | 2,894 |
| Average equity | $23,779,750 | 2,780 |
| Average total loans | $160,374,500 | 2,431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,734 |
| Cost of funding earning assets | 0.5847% | 3,088 |
| Net interest margin | 4.0519% | 1,686 |
| Noninterest income to average assets | 0.8997% | 1,812 |
| Noninterest expense to average assets | 3.0528% | 2,823 |
| Loan and lease loss provision to assets | 0.8909% | 219 |
| Net operating income to assets | 0.5807% | 4,399 |
| Return on assets (ROA) | 0.5807% | 4,573 |
| Pretax return on assets | 0.8849% | 3,970 |
| Return on Equity (ROE) | 4.9823% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.9823% | 3,067 |
| Net charge-offs to loans | 2.4494% | 157 |
| Credit loss provision to net charge-offs | 45.8566% | 3,295 |
| Earnings coverage of net charge-offs (x) | 0.9141% | 4,223 |
| Efficiency ratio | 63.2236% | 4,977 |
| Assets per employee ($millions) | 5.2148% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5181% | 965 |
| Loan loss allowance to noncurrent loans | 72.3124% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 2.7579% | 1,505 |
| Noncurrent loans to loans | 3.4822% | 1,226 |
| Net loans and leases to total assets | 77.2060% | 841 |
| Net loans and leases to deposits | 88.0626% | 1,332 |
| Net loans and leases to core deposits | 91.5798% | 1,752 |
| Total domestic deposits to total assets | 87.6717% | 2,455 |
| Equity capital to assets | 11.7609% | 2,082 |
| Core capital (leverage) ratio | 11.6238% | 1,841 |
| Tier 1 risk-based capital ratio | 14.7415% | 3,950 |
| Total risk-based capital ratio | 15.9983% | 3,911 |
| Memoranda: | ||
| Average total assets | $202,502,670 | 3,044 |
| Average earning assets | $196,351,670 | 2,909 |
| Average equity | $23,603,330 | 2,807 |
| Average total loans | $160,611,330 | 2,431 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 1,574 |
| Cost of funding earning assets | 0.5865% | 3,244 |
| Net interest margin | 4.0996% | 1,464 |
| Noninterest income to average assets | 0.6829% | 2,688 |
| Noninterest expense to average assets | 3.0822% | 2,726 |
| Loan and lease loss provision to assets | 0.8512% | 246 |
| Net operating income to assets | 0.4711% | 4,814 |
| Return on assets (ROA) | 0.4711% | 4,980 |
| Pretax return on assets | 0.7206% | 4,485 |
| Return on Equity (ROE) | 4.0605% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.0605% | 3,791 |
| Net charge-offs to loans | 2.6338% | 149 |
| Credit loss provision to net charge-offs | 40.7197% | 2,737 |
| Earnings coverage of net charge-offs (x) | 0.7519% | 3,580 |
| Efficiency ratio | 66.2271% | 4,627 |
| Assets per employee ($millions) | 4.9341% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7845% | 835 |
| Loan loss allowance to noncurrent loans | 72.6171% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 3.0599% | 1,456 |
| Noncurrent loans to loans | 3.8346% | 1,198 |
| Net loans and leases to total assets | 77.5751% | 659 |
| Net loans and leases to deposits | 88.2290% | 1,123 |
| Net loans and leases to core deposits | 91.6215% | 1,541 |
| Total domestic deposits to total assets | 87.9247% | 2,368 |
| Equity capital to assets | 11.6502% | 2,291 |
| Core capital (leverage) ratio | 11.6404% | 1,788 |
| Tier 1 risk-based capital ratio | 14.4013% | 4,240 |
| Total risk-based capital ratio | 15.6700% | 4,198 |
| Memoranda: | ||
| Average total assets | $202,065,000 | 3,078 |
| Average earning assets | $195,727,000 | 2,951 |
| Average equity | $23,445,500 | 2,861 |
| Average total loans | $160,379,000 | 2,444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0195% | 1,507 |
| Cost of funding earning assets | 0.6990% | 3,501 |
| Net interest margin | 4.3204% | 1,351 |
| Noninterest income to average assets | 0.4747% | 4,065 |
| Noninterest expense to average assets | 3.3344% | 2,241 |
| Loan and lease loss provision to assets | 0.7195% | 708 |
| Net operating income to assets | 0.3627% | 5,244 |
| Return on assets (ROA) | 0.3627% | 5,469 |
| Pretax return on assets | 0.5872% | 5,032 |
| Return on Equity (ROE) | 3.2927% | 5,433 |
| Retained earnings to average equity (ytd only) | 3.2927% | 3,911 |
| Net charge-offs to loans | 0.8058% | 1,447 |
| Credit loss provision to net charge-offs | 108.5215% | 2,710 |
| Earnings coverage of net charge-offs (x) | 1.9709% | 4,433 |
| Efficiency ratio | 71.8448% | 3,446 |
| Assets per employee ($millions) | 4.4852% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2141% | 544 |
| Loan loss allowance to noncurrent loans | 67.2047% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 3.7754% | 1,170 |
| Noncurrent loans to loans | 4.7825% | 859 |
| Net loans and leases to total assets | 76.4048% | 866 |
| Net loans and leases to deposits | 86.8221% | 1,404 |
| Net loans and leases to core deposits | 89.7796% | 1,861 |
| Total domestic deposits to total assets | 88.0015% | 2,233 |
| Equity capital to assets | 11.5556% | 2,393 |
| Core capital (leverage) ratio | 11.2863% | 2,024 |
| Tier 1 risk-based capital ratio | 14.2950% | 4,169 |
| Total risk-based capital ratio | 15.5682% | 4,110 |
| Memoranda: | ||
| Average total assets | $207,085,000 | 2,959 |
| Average earning assets | $199,702,200 | 2,852 |
| Average equity | $22,807,800 | 2,870 |
| Average total loans | $170,386,600 | 2,311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 1,941 |
| Cost of funding earning assets | 0.7237% | 3,566 |
| Net interest margin | 4.1952% | 1,751 |
| Noninterest income to average assets | 0.3979% | 4,653 |
| Noninterest expense to average assets | 3.4165% | 1,965 |
| Loan and lease loss provision to assets | 0.5777% | 991 |
| Net operating income to assets | 0.2598% | 5,752 |
| Return on assets (ROA) | 0.2598% | 5,942 |
| Pretax return on assets | 0.4427% | 5,616 |
| Return on Equity (ROE) | 2.3869% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.3869% | 5,140 |
| Net charge-offs to loans | 0.8832% | 1,238 |
| Credit loss provision to net charge-offs | 78.7271% | 3,660 |
| Earnings coverage of net charge-offs (x) | 1.3906% | 4,600 |
| Efficiency ratio | 77.0007% | 2,524 |
| Assets per employee ($millions) | 4.5093% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8112% | 875 |
| Loan loss allowance to noncurrent loans | 79.0698% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 2.9022% | 1,807 |
| Noncurrent loans to loans | 3.5554% | 1,523 |
| Net loans and leases to total assets | 79.3337% | 565 |
| Net loans and leases to deposits | 89.6912% | 1,184 |
| Net loans and leases to core deposits | 93.0717% | 1,679 |
| Total domestic deposits to total assets | 88.4520% | 1,751 |
| Equity capital to assets | 11.0992% | 3,152 |
| Core capital (leverage) ratio | 11.1546% | 2,252 |
| Tier 1 risk-based capital ratio | 13.1094% | 5,162 |
| Total risk-based capital ratio | 14.3778% | 5,106 |
| Memoranda: | ||
| Average total assets | $208,398,000 | 2,976 |
| Average earning assets | $200,639,000 | 2,858 |
| Average equity | $22,679,000 | 2,912 |
| Average total loans | $173,150,500 | 2,310 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 2,210 |
| Cost of funding earning assets | 0.7560% | 3,559 |
| Net interest margin | 4.1195% | 2,011 |
| Noninterest income to average assets | 0.3478% | 5,057 |
| Noninterest expense to average assets | 3.4774% | 1,838 |
| Loan and lease loss provision to assets | 0.6037% | 983 |
| Net operating income to assets | 0.1198% | 6,116 |
| Return on assets (ROA) | 0.1198% | 6,278 |
| Pretax return on assets | 0.2300% | 6,098 |
| Return on Equity (ROE) | 1.1079% | 6,281 |
| Retained earnings to average equity (ytd only) | 1.1079% | 5,629 |
| Net charge-offs to loans | 0.8588% | 1,285 |
| Credit loss provision to net charge-offs | 84.1121% | 3,207 |
| Earnings coverage of net charge-offs (x) | 1.1615% | 4,432 |
| Efficiency ratio | 80.6624% | 2,078 |
| Assets per employee ($millions) | 4.3289% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8434% | 906 |
| Loan loss allowance to noncurrent loans | 77.4659% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 3.0349% | 1,814 |
| Noncurrent loans to loans | 3.6705% | 1,555 |
| Net loans and leases to total assets | 80.3306% | 470 |
| Net loans and leases to deposits | 90.6098% | 1,084 |
| Net loans and leases to core deposits | 94.7320% | 1,531 |
| Total domestic deposits to total assets | 88.6556% | 1,735 |
| Equity capital to assets | 10.9161% | 3,209 |
| Core capital (leverage) ratio | 10.7974% | 2,484 |
| Tier 1 risk-based capital ratio | 12.9532% | 5,214 |
| Total risk-based capital ratio | 14.2224% | 5,176 |
| Memoranda: | ||
| Average total assets | $208,721,000 | 2,982 |
| Average earning assets | $200,799,330 | 2,860 |
| Average equity | $22,564,330 | 2,911 |
| Average total loans | $174,427,000 | 2,304 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9386% | 2,093 |
| Cost of funding earning assets | 0.7890% | 3,555 |
| Net interest margin | 4.1496% | 1,943 |
| Noninterest income to average assets | 0.4952% | 3,941 |
| Noninterest expense to average assets | 3.6656% | 1,435 |
| Loan and lease loss provision to assets | 0.6520% | 837 |
| Net operating income to assets | 0.0784% | 6,280 |
| Return on assets (ROA) | 0.0784% | 6,398 |
| Pretax return on assets | 0.1702% | 6,251 |
| Return on Equity (ROE) | 0.7287% | 6,399 |
| Retained earnings to average equity (ytd only) | 0.7287% | 5,766 |
| Net charge-offs to loans | 1.1813% | 868 |
| Credit loss provision to net charge-offs | 65.7033% | 3,004 |
| Earnings coverage of net charge-offs (x) | 0.8285% | 3,913 |
| Efficiency ratio | 81.6787% | 1,975 |
| Assets per employee ($millions) | 4.4061% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8126% | 995 |
| Loan loss allowance to noncurrent loans | 52.2407% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.4609% | 1,203 |
| Noncurrent loans to loans | 5.3840% | 1,004 |
| Net loans and leases to total assets | 80.5256% | 363 |
| Net loans and leases to deposits | 90.6954% | 904 |
| Net loans and leases to core deposits | 94.5233% | 1,414 |
| Total domestic deposits to total assets | 88.7868% | 1,822 |
| Equity capital to assets | 10.8882% | 3,044 |
| Core capital (leverage) ratio | 10.7405% | 2,508 |
| Tier 1 risk-based capital ratio | 13.2785% | 5,004 |
| Total risk-based capital ratio | 14.5484% | 4,973 |
| Memoranda: | ||
| Average total assets | $209,189,000 | 2,997 |
| Average earning assets | $201,272,500 | 2,881 |
| Average equity | $22,505,500 | 2,912 |
| Average total loans | $175,740,500 | 2,296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 2,907 |
| Cost of funding earning assets | 1.1016% | 2,665 |
| Net interest margin | 3.8931% | 3,364 |
| Noninterest income to average assets | 0.4364% | 4,325 |
| Noninterest expense to average assets | 3.2717% | 2,614 |
| Loan and lease loss provision to assets | 2.4285% | 188 |
| Net operating income to assets | -1.0462% | 6,761 |
| Return on assets (ROA) | -1.0462% | 6,780 |
| Pretax return on assets | -1.5035% | 6,897 |
| Return on Equity (ROE) | -10.5707% | 6,754 |
| Retained earnings to average equity (ytd only) | -10.5707% | 6,718 |
| Net charge-offs to loans | 2.5216% | 463 |
| Credit loss provision to net charge-offs | 118.7322% | 2,698 |
| Earnings coverage of net charge-offs (x) | 0.4522% | 5,482 |
| Efficiency ratio | 77.9589% | 2,592 |
| Assets per employee ($millions) | 4.4956% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7816% | 998 |
| Loan loss allowance to noncurrent loans | 58.0645% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 4.0787% | 1,405 |
| Noncurrent loans to loans | 4.7905% | 1,207 |
| Net loans and leases to total assets | 82.7735% | 283 |
| Net loans and leases to deposits | 93.0708% | 877 |
| Net loans and leases to core deposits | 96.3778% | 1,464 |
| Total domestic deposits to total assets | 88.9361% | 1,584 |
| Equity capital to assets | 10.6313% | 3,388 |
| Core capital (leverage) ratio | 10.2786% | 2,993 |
| Tier 1 risk-based capital ratio | 12.5075% | 5,443 |
| Total risk-based capital ratio | 13.7775% | 5,411 |
| Memoranda: | ||
| Average total assets | $223,672,800 | 2,802 |
| Average earning assets | $216,048,400 | 2,658 |
| Average equity | $22,136,600 | 2,879 |
| Average total loans | $181,432,800 | 2,221 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9999% | 3,087 |
| Cost of funding earning assets | 1.1361% | 2,723 |
| Net interest margin | 3.8637% | 3,554 |
| Noninterest income to average assets | 0.4857% | 3,993 |
| Noninterest expense to average assets | 3.2126% | 2,793 |
| Loan and lease loss provision to assets | 0.8314% | 1,113 |
| Net operating income to assets | 0.0776% | 6,013 |
| Return on assets (ROA) | 0.0776% | 6,130 |
| Pretax return on assets | 0.1787% | 5,932 |
| Return on Equity (ROE) | 0.7980% | 6,105 |
| Retained earnings to average equity (ytd only) | 0.7980% | 5,692 |
| Net charge-offs to loans | 1.0721% | 1,484 |
| Credit loss provision to net charge-offs | 96.7168% | 3,545 |
| Earnings coverage of net charge-offs (x) | 1.1751% | 4,744 |
| Efficiency ratio | 76.0791% | 2,827 |
| Assets per employee ($millions) | 4.7284% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2337% | 1,805 |
| Loan loss allowance to noncurrent loans | 46.1236% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 4.1766% | 1,465 |
| Noncurrent loans to loans | 4.8429% | 1,318 |
| Net loans and leases to total assets | 84.3153% | 203 |
| Net loans and leases to deposits | 96.0197% | 695 |
| Net loans and leases to core deposits | 101.2186% | 1,142 |
| Total domestic deposits to total assets | 87.8104% | 2,159 |
| Equity capital to assets | 11.7032% | 2,488 |
| Core capital (leverage) ratio | 11.5249% | 2,013 |
| Tier 1 risk-based capital ratio | 13.5802% | 4,673 |
| Total risk-based capital ratio | 14.8417% | 4,631 |
| Memoranda: | ||
| Average total assets | $226,768,250 | 2,771 |
| Average earning assets | $219,333,000 | 2,636 |
| Average equity | $22,055,000 | 2,884 |
| Average total loans | $181,816,750 | 2,240 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 3,451 |
| Cost of funding earning assets | 1.1455% | 2,928 |
| Net interest margin | 3.7928% | 3,815 |
| Noninterest income to average assets | 0.5056% | 3,818 |
| Noninterest expense to average assets | 3.1465% | 3,089 |
| Loan and lease loss provision to assets | 0.8236% | 1,112 |
| Net operating income to assets | 0.0916% | 6,035 |
| Return on assets (ROA) | 0.0916% | 6,113 |
| Pretax return on assets | 0.2065% | 5,922 |
| Return on Equity (ROE) | 1.0045% | 6,087 |
| Retained earnings to average equity (ytd only) | 1.0045% | 5,464 |
| Net charge-offs to loans | 1.3396% | 1,141 |
| Credit loss provision to net charge-offs | 78.5008% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.9819% | 4,560 |
| Efficiency ratio | 75.3362% | 3,130 |
| Assets per employee ($millions) | 4.9473% | 2,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 1,980 |
| Loan loss allowance to noncurrent loans | 51.5385% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 3.4638% | 1,903 |
| Noncurrent loans to loans | 4.2085% | 1,618 |
| Net loans and leases to total assets | 80.5197% | 491 |
| Net loans and leases to deposits | 90.8180% | 1,177 |
| Net loans and leases to core deposits | 95.5537% | 1,728 |
| Total domestic deposits to total assets | 88.6605% | 1,742 |
| Equity capital to assets | 10.8208% | 3,157 |
| Core capital (leverage) ratio | 10.5421% | 2,671 |
| Tier 1 risk-based capital ratio | 12.4162% | 5,425 |
| Total risk-based capital ratio | 13.6762% | 5,400 |
| Memoranda: | ||
| Average total assets | $231,431,000 | 2,742 |
| Average earning assets | $224,004,330 | 2,597 |
| Average equity | $21,106,000 | 2,983 |
| Average total loans | $181,254,000 | 2,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0006% | 3,104 |
| Cost of funding earning assets | 1.1549% | 3,126 |
| Net interest margin | 3.8457% | 3,392 |
| Noninterest income to average assets | 0.5405% | 3,575 |
| Noninterest expense to average assets | 3.0650% | 3,405 |
| Loan and lease loss provision to assets | 0.9685% | 805 |
| Net operating income to assets | 0.1024% | 6,090 |
| Return on assets (ROA) | 0.1024% | 6,143 |
| Pretax return on assets | 0.2350% | 5,853 |
| Return on Equity (ROE) | 1.2273% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.2273% | 5,331 |
| Net charge-offs to loans | 1.6654% | 801 |
| Credit loss provision to net charge-offs | 76.0211% | 3,235 |
| Earnings coverage of net charge-offs (x) | 0.9447% | 3,944 |
| Efficiency ratio | 71.8050% | 3,912 |
| Assets per employee ($millions) | 5.1664% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 1,986 |
| Loan loss allowance to noncurrent loans | 51.6680% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 3.3758% | 2,022 |
| Noncurrent loans to loans | 4.2402% | 1,683 |
| Net loans and leases to total assets | 77.8706% | 745 |
| Net loans and leases to deposits | 85.9907% | 1,729 |
| Net loans and leases to core deposits | 90.2039% | 2,326 |
| Total domestic deposits to total assets | 90.5570% | 817 |
| Equity capital to assets | 8.7765% | 5,534 |
| Core capital (leverage) ratio | 8.5449% | 5,360 |
| Tier 1 risk-based capital ratio | 10.3491% | 6,888 |
| Total risk-based capital ratio | 11.6092% | 6,868 |
| Memoranda: | ||
| Average total assets | $238,305,500 | 2,692 |
| Average earning assets | $231,013,500 | 2,533 |
| Average equity | $19,881,500 | 3,134 |
| Average total loans | $182,299,500 | 2,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8312% | 5,307 |
| Cost of funding earning assets | 1.5796% | 2,193 |
| Net interest margin | 3.2516% | 6,127 |
| Noninterest income to average assets | 0.5912% | 3,533 |
| Noninterest expense to average assets | 2.9116% | 4,177 |
| Loan and lease loss provision to assets | 1.0933% | 1,465 |
| Net operating income to assets | -0.2317% | 6,148 |
| Return on assets (ROA) | -0.2317% | 6,200 |
| Pretax return on assets | -0.2950% | 6,157 |
| Return on Equity (ROE) | -2.8492% | 6,267 |
| Retained earnings to average equity (ytd only) | -2.8492% | 6,087 |
| Net charge-offs to loans | 0.9452% | 2,294 |
| Credit loss provision to net charge-offs | 152.2925% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.1120% | 4,999 |
| Efficiency ratio | 78.4816% | 2,620 |
| Assets per employee ($millions) | 5.3040% | 1,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2585% | 1,758 |
| Loan loss allowance to noncurrent loans | 47.4322% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 3.5072% | 1,973 |
| Noncurrent loans to loans | 4.7615% | 1,451 |
| Net loans and leases to total assets | 71.9927% | 2,109 |
| Net loans and leases to deposits | 78.6990% | 3,390 |
| Net loans and leases to core deposits | 82.9087% | 3,760 |
| Total domestic deposits to total assets | 91.4786% | 404 |
| Equity capital to assets | 7.9474% | 6,543 |
| Core capital (leverage) ratio | 7.7443% | 6,502 |
| Tier 1 risk-based capital ratio | 10.0967% | 6,939 |
| Total risk-based capital ratio | 11.3598% | 6,911 |
| Memoranda: | ||
| Average total assets | $240,008,800 | 2,635 |
| Average earning assets | $230,191,000 | 2,524 |
| Average equity | $19,514,400 | 3,213 |
| Average total loans | $182,295,200 | 2,327 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8614% | 5,432 |
| Cost of funding earning assets | 1.6641% | 2,031 |
| Net interest margin | 3.1973% | 6,349 |
| Noninterest income to average assets | 0.5766% | 3,601 |
| Noninterest expense to average assets | 2.9629% | 3,875 |
| Loan and lease loss provision to assets | 1.1118% | 1,306 |
| Net operating income to assets | -0.3685% | 6,487 |
| Return on assets (ROA) | -0.3685% | 6,533 |
| Pretax return on assets | -0.4426% | 6,511 |
| Return on Equity (ROE) | -4.5061% | 6,608 |
| Retained earnings to average equity (ytd only) | -4.5061% | 6,515 |
| Net charge-offs to loans | 0.9013% | 2,195 |
| Credit loss provision to net charge-offs | 161.1382% | 2,348 |
| Earnings coverage of net charge-offs (x) | 0.9699% | 5,092 |
| Efficiency ratio | 81.5753% | 2,114 |
| Assets per employee ($millions) | 5.4630% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 1,952 |
| Loan loss allowance to noncurrent loans | 73.4435% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 3,303 |
| Noncurrent loans to loans | 2.8880% | 2,767 |
| Net loans and leases to total assets | 71.8726% | 2,280 |
| Net loans and leases to deposits | 78.3327% | 3,770 |
| Net loans and leases to core deposits | 82.5749% | 4,152 |
| Total domestic deposits to total assets | 91.7530% | 243 |
| Equity capital to assets | 7.6792% | 7,014 |
| Core capital (leverage) ratio | 7.8114% | 6,558 |
| Tier 1 risk-based capital ratio | 9.7254% | 7,175 |
| Total risk-based capital ratio | 10.9843% | 7,166 |
| Memoranda: | ||
| Average total assets | $237,688,750 | 2,697 |
| Average earning assets | $227,145,500 | 2,589 |
| Average equity | $19,440,000 | 3,260 |
| Average total loans | $181,964,750 | 2,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 5,495 |
| Cost of funding earning assets | 1.7410% | 1,914 |
| Net interest margin | 3.1354% | 6,503 |
| Noninterest income to average assets | 0.5516% | 3,699 |
| Noninterest expense to average assets | 3.0666% | 3,440 |
| Loan and lease loss provision to assets | 1.6721% | 763 |
| Net operating income to assets | -1.1732% | 7,018 |
| Return on assets (ROA) | -1.1732% | 7,038 |
| Pretax return on assets | -1.1991% | 6,972 |
| Return on Equity (ROE) | -14.0275% | 7,110 |
| Retained earnings to average equity (ytd only) | -14.0275% | 7,071 |
| Net charge-offs to loans | 1.0090% | 1,844 |
| Credit loss provision to net charge-offs | 213.2304% | 1,830 |
| Earnings coverage of net charge-offs (x) | 0.6031% | 5,136 |
| Efficiency ratio | 86.6390% | 1,637 |
| Assets per employee ($millions) | 5.1733% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 1,676 |
| Loan loss allowance to noncurrent loans | 60.3446% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 2.9122% | 2,469 |
| Noncurrent loans to loans | 3.7236% | 2,093 |
| Net loans and leases to total assets | 76.4537% | 1,406 |
| Net loans and leases to deposits | 83.3512% | 3,002 |
| Net loans and leases to core deposits | 88.0422% | 3,538 |
| Total domestic deposits to total assets | 91.7247% | 286 |
| Equity capital to assets | 7.6855% | 7,006 |
| Core capital (leverage) ratio | 7.8284% | 6,467 |
| Tier 1 risk-based capital ratio | 9.1979% | 7,374 |
| Total risk-based capital ratio | 10.4600% | 7,366 |
| Memoranda: | ||
| Average total assets | $231,331,670 | 2,787 |
| Average earning assets | $220,451,330 | 2,676 |
| Average equity | $19,347,670 | 3,262 |
| Average total loans | $179,773,330 | 2,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 5,385 |
| Cost of funding earning assets | 1.7976% | 1,886 |
| Net interest margin | 3.1177% | 6,546 |
| Noninterest income to average assets | 0.4720% | 4,278 |
| Noninterest expense to average assets | 3.1549% | 3,033 |
| Loan and lease loss provision to assets | 0.9192% | 1,385 |
| Net operating income to assets | -0.5199% | 6,842 |
| Return on assets (ROA) | -0.5199% | 6,869 |
| Pretax return on assets | -0.6601% | 6,876 |
| Return on Equity (ROE) | -5.9559% | 6,939 |
| Retained earnings to average equity (ytd only) | -5.9559% | 6,659 |
| Net charge-offs to loans | 0.8592% | 1,821 |
| Credit loss provision to net charge-offs | 138.1333% | 2,562 |
| Earnings coverage of net charge-offs (x) | 0.3893% | 4,686 |
| Efficiency ratio | 92.4116% | 1,249 |
| Assets per employee ($millions) | 4.6259% | 2,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 2,469 |
| Loan loss allowance to noncurrent loans | 149.2294% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.9819% | 5,184 |
| Noncurrent loans to loans | 1.2699% | 4,859 |
| Net loans and leases to total assets | 75.8544% | 1,576 |
| Net loans and leases to deposits | 83.3578% | 3,049 |
| Net loans and leases to core deposits | 88.0861% | 3,614 |
| Total domestic deposits to total assets | 90.9986% | 549 |
| Equity capital to assets | 8.4748% | 6,037 |
| Core capital (leverage) ratio | 8.4656% | 5,432 |
| Tier 1 risk-based capital ratio | 10.3486% | 6,760 |
| Total risk-based capital ratio | 11.6051% | 6,755 |
| Memoranda: | ||
| Average total assets | $225,424,500 | 2,927 |
| Average earning assets | $212,723,000 | 2,839 |
| Average equity | $19,678,000 | 3,243 |
| Average total loans | $174,576,500 | 2,546 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5530% | 3,854 |
| Cost of funding earning assets | 2.0604% | 2,682 |
| Net interest margin | 3.4927% | 4,991 |
| Noninterest income to average assets | 0.3689% | 5,451 |
| Noninterest expense to average assets | 4.0200% | 1,336 |
| Loan and lease loss provision to assets | 1.1273% | 2,022 |
| Net operating income to assets | -1.0721% | 6,628 |
| Return on assets (ROA) | -1.0721% | 6,632 |
| Pretax return on assets | -1.4656% | 6,679 |
| Return on Equity (ROE) | -9.3572% | 6,570 |
| Retained earnings to average equity (ytd only) | -9.3572% | 6,463 |
| Net charge-offs to loans | 1.3843% | 1,812 |
| Credit loss provision to net charge-offs | 94.9765% | 5,817 |
| Earnings coverage of net charge-offs (x) | -0.2850% | 6,532 |
| Efficiency ratio | 109.1872% | 815 |
| Assets per employee ($millions) | 4.2222% | 3,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,246 |
| Loan loss allowance to noncurrent loans | 115.2699% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 4,525 |
| Noncurrent loans to loans | 1.6534% | 4,168 |
| Net loans and leases to total assets | 76.0954% | 1,771 |
| Net loans and leases to deposits | 83.9517% | 3,282 |
| Net loans and leases to core deposits | 103.2271% | 3,661 |
| Total domestic deposits to total assets | 90.6419% | 678 |
| Equity capital to assets | 8.9974% | 5,151 |
| Core capital (leverage) ratio | 9.2463% | 4,060 |
| Tier 1 risk-based capital ratio | 10.9387% | 5,971 |
| Total risk-based capital ratio | 12.1957% | 5,945 |
| Memoranda: | ||
| Average total assets | $179,453,200 | 3,452 |
| Average earning assets | $170,213,600 | 3,342 |
| Average equity | $20,561,800 | 3,132 |
| Average total loans | $153,868,200 | 2,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6815% | 3,426 |
| Cost of funding earning assets | 2.0826% | 2,970 |
| Net interest margin | 3.5989% | 4,487 |
| Noninterest income to average assets | 0.3785% | 5,483 |
| Noninterest expense to average assets | 4.2872% | 926 |
| Loan and lease loss provision to assets | 1.2292% | 1,579 |
| Net operating income to assets | -1.1363% | 6,925 |
| Return on assets (ROA) | -1.1363% | 6,925 |
| Pretax return on assets | -1.7218% | 7,055 |
| Return on Equity (ROE) | -9.2724% | 6,832 |
| Retained earnings to average equity (ytd only) | -9.2724% | 6,731 |
| Net charge-offs to loans | 1.5153% | 1,344 |
| Credit loss provision to net charge-offs | 91.7744% | 5,437 |
| Earnings coverage of net charge-offs (x) | -0.3678% | 6,402 |
| Efficiency ratio | 112.9822% | 712 |
| Assets per employee ($millions) | 3.9258% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 2,011 |
| Loan loss allowance to noncurrent loans | 111.1726% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 1.4439% | 4,220 |
| Noncurrent loans to loans | 1.7161% | 4,064 |
| Net loans and leases to total assets | 82.5364% | 737 |
| Net loans and leases to deposits | 92.3263% | 2,185 |
| Net loans and leases to core deposits | 110.3917% | 3,193 |
| Total domestic deposits to total assets | 89.3965% | 1,018 |
| Equity capital to assets | 10.0231% | 4,061 |
| Core capital (leverage) ratio | 10.3359% | 2,939 |
| Tier 1 risk-based capital ratio | 11.3918% | 5,547 |
| Total risk-based capital ratio | 12.6491% | 5,482 |
| Memoranda: | ||
| Average total assets | $169,428,500 | 3,639 |
| Average earning assets | $160,822,500 | 3,534 |
| Average equity | $20,763,750 | 3,130 |
| Average total loans | $149,756,500 | 2,958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7764% | 3,155 |
| Cost of funding earning assets | 2.1057% | 3,236 |
| Net interest margin | 3.6707% | 4,083 |
| Noninterest income to average assets | 0.3342% | 5,835 |
| Noninterest expense to average assets | 4.5701% | 725 |
| Loan and lease loss provision to assets | 0.6320% | 2,532 |
| Net operating income to assets | -0.9160% | 6,910 |
| Return on assets (ROA) | -0.9160% | 6,919 |
| Pretax return on assets | -1.3872% | 7,026 |
| Return on Equity (ROE) | -6.9443% | 6,790 |
| Retained earnings to average equity (ytd only) | -6.9443% | 6,549 |
| Net charge-offs to loans | 0.9002% | 1,899 |
| Credit loss provision to net charge-offs | 77.8638% | 5,255 |
| Earnings coverage of net charge-offs (x) | -0.9303% | 6,218 |
| Efficiency ratio | 119.7958% | 669 |
| Assets per employee ($millions) | 3.4771% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 1,411 |
| Loan loss allowance to noncurrent loans | 107.0357% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.7602% | 3,536 |
| Noncurrent loans to loans | 1.9536% | 3,583 |
| Net loans and leases to total assets | 88.2180% | 225 |
| Net loans and leases to deposits | 105.2291% | 816 |
| Net loans and leases to core deposits | 124.2005% | 2,007 |
| Total domestic deposits to total assets | 83.8343% | 3,854 |
| Equity capital to assets | 12.1306% | 2,130 |
| Core capital (leverage) ratio | 12.6590% | 1,556 |
| Tier 1 risk-based capital ratio | 13.2666% | 3,961 |
| Total risk-based capital ratio | 14.5266% | 3,873 |
| Memoranda: | ||
| Average total assets | $159,165,670 | 3,846 |
| Average earning assets | $150,923,330 | 3,726 |
| Average equity | $20,995,670 | 3,103 |
| Average total loans | $143,520,000 | 3,088 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8115% | 3,242 |
| Cost of funding earning assets | 2.1502% | 3,410 |
| Net interest margin | 3.6613% | 4,055 |
| Noninterest income to average assets | 0.4272% | 4,986 |
| Noninterest expense to average assets | 4.6393% | 634 |
| Loan and lease loss provision to assets | 0.3334% | 3,322 |
| Net operating income to assets | -0.7059% | 7,063 |
| Return on assets (ROA) | -0.7059% | 7,102 |
| Pretax return on assets | -1.0680% | 7,183 |
| Return on Equity (ROE) | -5.1230% | 6,984 |
| Retained earnings to average equity (ytd only) | -5.1230% | 6,560 |
| Net charge-offs to loans | 0.6757% | 1,830 |
| Credit loss provision to net charge-offs | 54.7009% | 4,608 |
| Earnings coverage of net charge-offs (x) | -1.2051% | 5,400 |
| Efficiency ratio | 118.8125% | 652 |
| Assets per employee ($millions) | 3.2019% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 943 |
| Loan loss allowance to noncurrent loans | 83.0691% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 2,256 |
| Noncurrent loans to loans | 2.7721% | 2,368 |
| Net loans and leases to total assets | 89.6599% | 155 |
| Net loans and leases to deposits | 108.0546% | 720 |
| Net loans and leases to core deposits | 126.7987% | 1,861 |
| Total domestic deposits to total assets | 82.9765% | 4,160 |
| Equity capital to assets | 13.7020% | 1,465 |
| Core capital (leverage) ratio | 13.6687% | 1,274 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,326 |
| Total risk-based capital ratio | 15.7296% | 3,243 |
| Memoranda: | ||
| Average total assets | $153,559,000 | 3,949 |
| Average earning assets | $145,848,500 | 3,831 |
| Average equity | $21,159,500 | 3,098 |
| Average total loans | $138,522,500 | 3,200 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3858% | 3,486 |
| Cost of funding earning assets | 2.9338% | 2,128 |
| Net interest margin | 3.4520% | 5,459 |
| Noninterest income to average assets | 1.4339% | 698 |
| Noninterest expense to average assets | 3.6600% | 2,026 |
| Loan and lease loss provision to assets | 1.3619% | 1,027 |
| Net operating income to assets | -0.1895% | 6,614 |
| Return on assets (ROA) | -0.1895% | 6,458 |
| Pretax return on assets | -0.3180% | 6,480 |
| Return on Equity (ROE) | -1.5506% | 6,440 |
| Retained earnings to average equity (ytd only) | -2.2717% | 5,944 |
| Net charge-offs to loans | 0.6757% | 1,827 |
| Credit loss provision to net charge-offs | 263.2517% | 1,759 |
| Earnings coverage of net charge-offs (x) | 2.0178% | 5,064 |
| Efficiency ratio | 77.8077% | 2,948 |
| Assets per employee ($millions) | 3.4094% | 4,919 |
| Cash dividends to net income (ytd only)* | -46.5046% | 8,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4655% | 710 |
| Loan loss allowance to noncurrent loans | 153.0351% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 3,348 |
| Noncurrent loans to loans | 1.6111% | 3,353 |
| Net loans and leases to total assets | 86.4546% | 545 |
| Net loans and leases to deposits | 101.2233% | 1,672 |
| Net loans and leases to core deposits | 119.7377% | 2,714 |
| Total domestic deposits to total assets | 85.4098% | 2,662 |
| Equity capital to assets | 13.8569% | 1,475 |
| Core capital (leverage) ratio | 13.8744% | 1,283 |
| Tier 1 risk-based capital ratio | 15.0712% | 3,007 |
| Total risk-based capital ratio | 16.3351% | 2,928 |
| Memoranda: | ||
| Average total assets | $173,577,600 | 3,498 |
| Average earning assets | $164,427,600 | 3,411 |
| Average equity | $21,217,200 | 3,074 |
| Average total loans | $132,903,400 | 3,221 |