Home > Liberty Bell Bank > Performance and Condition Ratios
Liberty Bell Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6965% | 1,204 |
| Cost of funding earning assets | 0.6599% | 1,247 |
| Net interest margin | 4.0366% | 1,637 |
| Noninterest income to average assets | 0.1010% | 5,410 |
| Noninterest expense to average assets | 3.5228% | 995 |
| Loan and lease loss provision to assets | 0.2863% | 614 |
| Net operating income to assets | 0.1826% | 5,140 |
| Return on assets (ROA) | 0.1826% | 5,154 |
| Pretax return on assets | 0.1713% | 5,336 |
| Return on Equity (ROE) | 2.7545% | 4,899 |
| Retained earnings to average equity (ytd only) | 2.7545% | 3,663 |
| Net charge-offs to loans | 0.3868% | 650 |
| Credit loss provision to net charge-offs | 89.7275% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.4340% | 3,886 |
| Efficiency ratio | 88.5042% | 501 |
| Assets per employee ($millions) | 4.4865% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 4,126 |
| Loan loss allowance to noncurrent loans | 60.7863% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.4951% | 379 |
| Noncurrent loans to loans | 1.5892% | 1,058 |
| Net loans and leases to total assets | 81.0505% | 827 |
| Net loans and leases to deposits | 87.4389% | 2,086 |
| Net loans and leases to core deposits | 97.4448% | 1,904 |
| Total domestic deposits to total assets | 92.6938% | 42 |
| Equity capital to assets | 6.5844% | 5,609 |
| Core capital (leverage) ratio | 6.7956% | 5,612 |
| Tier 1 risk-based capital ratio | 9.3278% | 5,616 |
| Total risk-based capital ratio | 10.4342% | 5,615 |
| Memoranda: | ||
| Average total assets | $149,483,800 | 3,477 |
| Average earning assets | $143,659,600 | 3,403 |
| Average equity | $9,911,200 | 4,465 |
| Average total loans | $123,326,600 | 3,009 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6392% | 1,274 |
| Cost of funding earning assets | 0.6530% | 1,216 |
| Net interest margin | 3.9862% | 1,751 |
| Noninterest income to average assets | 0.1022% | 5,471 |
| Noninterest expense to average assets | 3.4695% | 1,038 |
| Loan and lease loss provision to assets | 0.3183% | 482 |
| Net operating income to assets | 0.1605% | 5,390 |
| Return on assets (ROA) | 0.1605% | 5,399 |
| Pretax return on assets | 0.1452% | 5,427 |
| Return on Equity (ROE) | 2.4161% | 5,243 |
| Retained earnings to average equity (ytd only) | 2.4161% | 4,442 |
| Net charge-offs to loans | 0.4338% | 480 |
| Credit loss provision to net charge-offs | 88.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.2925% | 3,583 |
| Efficiency ratio | 88.2152% | 500 |
| Assets per employee ($millions) | 4.3409% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,213 |
| Loan loss allowance to noncurrent loans | 70.5128% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.4175% | 465 |
| Noncurrent loans to loans | 1.3826% | 1,358 |
| Net loans and leases to total assets | 83.2701% | 516 |
| Net loans and leases to deposits | 91.3544% | 1,644 |
| Net loans and leases to core deposits | 98.9884% | 1,799 |
| Total domestic deposits to total assets | 91.1506% | 155 |
| Equity capital to assets | 6.7761% | 5,678 |
| Core capital (leverage) ratio | 6.7435% | 5,682 |
| Tier 1 risk-based capital ratio | 9.3493% | 5,684 |
| Total risk-based capital ratio | 10.4725% | 5,683 |
| Memoranda: | ||
| Average total assets | $148,719,250 | 3,519 |
| Average earning assets | $142,922,000 | 3,440 |
| Average equity | $9,878,000 | 4,518 |
| Average total loans | $122,947,750 | 3,043 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,309 |
| Cost of funding earning assets | 0.6284% | 1,280 |
| Net interest margin | 3.9476% | 1,787 |
| Noninterest income to average assets | 0.1019% | 5,510 |
| Noninterest expense to average assets | 3.4233% | 1,125 |
| Loan and lease loss provision to assets | 0.4360% | 286 |
| Net operating income to assets | 0.0577% | 5,522 |
| Return on assets (ROA) | 0.0577% | 5,527 |
| Pretax return on assets | 0.0349% | 5,534 |
| Return on Equity (ROE) | 0.8743% | 5,487 |
| Retained earnings to average equity (ytd only) | 0.8743% | 4,873 |
| Net charge-offs to loans | 0.5140% | 381 |
| Credit loss provision to net charge-offs | 103.1746% | 1,967 |
| Earnings coverage of net charge-offs (x) | 1.1143% | 3,318 |
| Efficiency ratio | 87.9091% | 551 |
| Assets per employee ($millions) | 4.3481% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 4,108 |
| Loan loss allowance to noncurrent loans | 68.1941% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 2.5075% | 434 |
| Noncurrent loans to loans | 1.4748% | 1,279 |
| Net loans and leases to total assets | 84.2252% | 418 |
| Net loans and leases to deposits | 94.6537% | 1,211 |
| Net loans and leases to core deposits | 101.9645% | 1,510 |
| Total domestic deposits to total assets | 88.9825% | 968 |
| Equity capital to assets | 6.6857% | 5,727 |
| Core capital (leverage) ratio | 6.6397% | 5,730 |
| Tier 1 risk-based capital ratio | 9.0116% | 5,740 |
| Total risk-based capital ratio | 10.1590% | 5,742 |
| Memoranda: | ||
| Average total assets | $149,095,000 | 3,534 |
| Average earning assets | $143,227,330 | 3,449 |
| Average equity | $9,837,000 | 4,535 |
| Average total loans | $122,560,330 | 3,054 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,227 |
| Cost of funding earning assets | 0.6311% | 1,182 |
| Net interest margin | 3.9310% | 1,668 |
| Noninterest income to average assets | 0.1095% | 5,559 |
| Noninterest expense to average assets | 3.4731% | 1,082 |
| Loan and lease loss provision to assets | 0.1710% | 1,031 |
| Net operating income to assets | 0.2832% | 5,234 |
| Return on assets (ROA) | 0.2832% | 5,250 |
| Pretax return on assets | 0.2431% | 5,385 |
| Return on Equity (ROE) | 4.3206% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.3206% | 3,263 |
| Net charge-offs to loans | 0.3506% | 524 |
| Credit loss provision to net charge-offs | 60.3774% | 1,902 |
| Earnings coverage of net charge-offs (x) | 1.4623% | 2,728 |
| Efficiency ratio | 89.3471% | 588 |
| Assets per employee ($millions) | 4.4080% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,275 |
| Loan loss allowance to noncurrent loans | 73.4706% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 2.4134% | 493 |
| Noncurrent loans to loans | 1.3625% | 1,479 |
| Net loans and leases to total assets | 80.0443% | 822 |
| Net loans and leases to deposits | 87.8934% | 1,816 |
| Net loans and leases to core deposits | 94.2520% | 1,962 |
| Total domestic deposits to total assets | 91.0697% | 284 |
| Equity capital to assets | 6.6036% | 5,790 |
| Core capital (leverage) ratio | 6.5875% | 5,788 |
| Tier 1 risk-based capital ratio | 9.2514% | 5,793 |
| Total risk-based capital ratio | 10.3740% | 5,797 |
| Memoranda: | ||
| Average total assets | $149,724,000 | 3,554 |
| Average earning assets | $143,881,000 | 3,475 |
| Average equity | $9,813,500 | 4,569 |
| Average total loans | $120,950,000 | 3,092 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,141 |
| Cost of funding earning assets | 0.6270% | 1,164 |
| Net interest margin | 3.6715% | 2,813 |
| Noninterest income to average assets | 0.1242% | 5,563 |
| Noninterest expense to average assets | 3.4737% | 1,215 |
| Loan and lease loss provision to assets | 0.0634% | 3,111 |
| Net operating income to assets | 0.0916% | 5,571 |
| Return on assets (ROA) | 0.1349% | 5,547 |
| Pretax return on assets | 0.1502% | 5,542 |
| Return on Equity (ROE) | 2.0751% | 5,390 |
| Retained earnings to average equity (ytd only) | 2.0751% | 4,357 |
| Net charge-offs to loans | 0.2093% | 1,331 |
| Credit loss provision to net charge-offs | 39.7490% | 3,496 |
| Earnings coverage of net charge-offs (x) | 1.0377% | 4,050 |
| Efficiency ratio | 95.4495% | 330 |
| Assets per employee ($millions) | 4.0426% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 4,081 |
| Loan loss allowance to noncurrent loans | 56.2024% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.7311% | 409 |
| Noncurrent loans to loans | 1.8497% | 1,018 |
| Net loans and leases to total assets | 79.8711% | 913 |
| Net loans and leases to deposits | 87.7415% | 1,955 |
| Net loans and leases to core deposits | 94.6364% | 2,046 |
| Total domestic deposits to total assets | 91.0300% | 277 |
| Equity capital to assets | 6.5051% | 5,836 |
| Core capital (leverage) ratio | 6.7344% | 5,827 |
| Tier 1 risk-based capital ratio | 9.2137% | 5,844 |
| Total risk-based capital ratio | 10.3828% | 5,849 |
| Memoranda: | ||
| Average total assets | $149,753,600 | 3,525 |
| Average earning assets | $143,374,000 | 3,458 |
| Average equity | $9,734,600 | 4,632 |
| Average total loans | $114,166,000 | 3,153 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3205% | 2,103 |
| Cost of funding earning assets | 0.6312% | 1,133 |
| Net interest margin | 3.6893% | 2,756 |
| Noninterest income to average assets | 0.1228% | 5,632 |
| Noninterest expense to average assets | 3.5247% | 1,104 |
| Loan and lease loss provision to assets | 0.0490% | 3,267 |
| Net operating income to assets | 0.0657% | 5,664 |
| Return on assets (ROA) | 0.1202% | 5,653 |
| Pretax return on assets | 0.1406% | 5,639 |
| Return on Equity (ROE) | 1.8489% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.8489% | 4,755 |
| Net charge-offs to loans | -0.0900% | 5,540 |
| Credit loss provision to net charge-offs | -72.3684% | 4,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5618% | 299 |
| Assets per employee ($millions) | 3.4550% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3089% | 2,639 |
| Loan loss allowance to noncurrent loans | 58.8462% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0680% | 366 |
| Noncurrent loans to loans | 2.2243% | 838 |
| Net loans and leases to total assets | 79.4986% | 965 |
| Net loans and leases to deposits | 87.5241% | 2,080 |
| Net loans and leases to core deposits | 93.8635% | 2,202 |
| Total domestic deposits to total assets | 90.8305% | 228 |
| Equity capital to assets | 6.8237% | 5,901 |
| Core capital (leverage) ratio | 6.7430% | 5,899 |
| Tier 1 risk-based capital ratio | 9.3958% | 5,891 |
| Total risk-based capital ratio | 10.6488% | 5,883 |
| Memoranda: | ||
| Average total assets | $149,798,000 | 3,545 |
| Average earning assets | $143,221,500 | 3,473 |
| Average equity | $9,735,750 | 4,666 |
| Average total loans | $112,526,750 | 3,185 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 2,132 |
| Cost of funding earning assets | 0.6338% | 1,122 |
| Net interest margin | 3.6742% | 2,801 |
| Noninterest income to average assets | 0.1216% | 5,702 |
| Noninterest expense to average assets | 3.5518% | 1,080 |
| Loan and lease loss provision to assets | 0.0396% | 3,363 |
| Net operating income to assets | 0.0308% | 5,743 |
| Return on assets (ROA) | 0.1017% | 5,710 |
| Pretax return on assets | 0.1282% | 5,690 |
| Return on Equity (ROE) | 1.5909% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.5909% | 4,742 |
| Net charge-offs to loans | -0.0684% | 5,487 |
| Credit loss provision to net charge-offs | -78.9474% | 4,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8522% | 288 |
| Assets per employee ($millions) | 4.5232% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,682 |
| Loan loss allowance to noncurrent loans | 62.2666% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 3.3276% | 338 |
| Noncurrent loans to loans | 2.1181% | 918 |
| Net loans and leases to total assets | 73.5353% | 1,925 |
| Net loans and leases to deposits | 80.7059% | 2,851 |
| Net loans and leases to core deposits | 88.2291% | 2,705 |
| Total domestic deposits to total assets | 91.1152% | 173 |
| Equity capital to assets | 6.5768% | 5,986 |
| Core capital (leverage) ratio | 6.4094% | 5,980 |
| Tier 1 risk-based capital ratio | 9.0790% | 5,995 |
| Total risk-based capital ratio | 10.3304% | 5,991 |
| Memoranda: | ||
| Average total assets | $151,360,000 | 3,543 |
| Average earning assets | $144,520,000 | 3,473 |
| Average equity | $9,680,330 | 4,707 |
| Average total loans | $111,071,670 | 3,223 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,110 |
| Cost of funding earning assets | 0.6214% | 1,208 |
| Net interest margin | 3.6845% | 2,737 |
| Noninterest income to average assets | 0.1234% | 5,725 |
| Noninterest expense to average assets | 3.5956% | 1,025 |
| Loan and lease loss provision to assets | 0.0394% | 3,122 |
| Net operating income to assets | 0.0043% | 5,780 |
| Return on assets (ROA) | 0.1312% | 5,685 |
| Pretax return on assets | 0.1601% | 5,686 |
| Return on Equity (ROE) | 2.0807% | 5,484 |
| Retained earnings to average equity (ytd only) | 2.0807% | 4,423 |
| Net charge-offs to loans | -0.0396% | 5,207 |
| Credit loss provision to net charge-offs | -136.3636% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7743% | 320 |
| Assets per employee ($millions) | 4.9487% | 2,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,918 |
| Loan loss allowance to noncurrent loans | 76.0000% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.9242% | 438 |
| Noncurrent loans to loans | 1.7065% | 1,321 |
| Net loans and leases to total assets | 70.6918% | 2,236 |
| Net loans and leases to deposits | 77.4818% | 3,055 |
| Net loans and leases to core deposits | 84.7880% | 2,867 |
| Total domestic deposits to total assets | 91.2366% | 212 |
| Equity capital to assets | 6.3138% | 6,055 |
| Core capital (leverage) ratio | 6.3948% | 6,041 |
| Tier 1 risk-based capital ratio | 9.1209% | 6,051 |
| Total risk-based capital ratio | 10.3723% | 6,040 |
| Memoranda: | ||
| Average total assets | $152,406,500 | 3,551 |
| Average earning assets | $145,474,500 | 3,483 |
| Average equity | $9,612,000 | 4,741 |
| Average total loans | $110,992,000 | 3,226 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,075 |
| Cost of funding earning assets | 0.6140% | 1,288 |
| Net interest margin | 3.7311% | 2,640 |
| Noninterest income to average assets | 0.1715% | 5,556 |
| Noninterest expense to average assets | 3.5873% | 1,150 |
| Loan and lease loss provision to assets | 0.0271% | 3,838 |
| Net operating income to assets | 0.0775% | 5,784 |
| Return on assets (ROA) | 0.0969% | 5,801 |
| Pretax return on assets | 0.0983% | 5,803 |
| Return on Equity (ROE) | 1.5640% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.5640% | 4,829 |
| Net charge-offs to loans | 0.1187% | 2,183 |
| Credit loss provision to net charge-offs | 31.0078% | 3,641 |
| Earnings coverage of net charge-offs (x) | 1.2093% | 4,127 |
| Efficiency ratio | 97.1371% | 362 |
| Assets per employee ($millions) | 4.5879% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2479% | 3,187 |
| Loan loss allowance to noncurrent loans | 58.8805% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 3.2939% | 379 |
| Noncurrent loans to loans | 2.1193% | 963 |
| Net loans and leases to total assets | 73.1239% | 1,864 |
| Net loans and leases to deposits | 80.1510% | 2,805 |
| Net loans and leases to core deposits | 86.9460% | 2,702 |
| Total domestic deposits to total assets | 91.2326% | 231 |
| Equity capital to assets | 6.2998% | 6,107 |
| Core capital (leverage) ratio | 6.4367% | 6,097 |
| Tier 1 risk-based capital ratio | 8.8498% | 6,114 |
| Total risk-based capital ratio | 10.1000% | 6,108 |
| Memoranda: | ||
| Average total assets | $147,548,400 | 3,610 |
| Average earning assets | $139,261,000 | 3,548 |
| Average equity | $9,143,400 | 4,812 |
| Average total loans | $108,677,800 | 3,227 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 1,896 |
| Cost of funding earning assets | 0.6107% | 1,339 |
| Net interest margin | 3.7987% | 2,391 |
| Noninterest income to average assets | 0.1874% | 5,538 |
| Noninterest expense to average assets | 3.6337% | 1,062 |
| Loan and lease loss provision to assets | 0.0364% | 3,489 |
| Net operating income to assets | 0.0910% | 5,863 |
| Return on assets (ROA) | 0.0910% | 5,900 |
| Pretax return on assets | 0.0928% | 5,895 |
| Return on Equity (ROE) | 1.4741% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.4741% | 5,128 |
| Net charge-offs to loans | 0.1855% | 1,373 |
| Credit loss provision to net charge-offs | 26.6667% | 3,308 |
| Earnings coverage of net charge-offs (x) | 0.9467% | 3,896 |
| Efficiency ratio | 96.5676% | 401 |
| Assets per employee ($millions) | 4.1298% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 3,253 |
| Loan loss allowance to noncurrent loans | 64.1826% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 3.3444% | 402 |
| Noncurrent loans to loans | 1.9805% | 1,173 |
| Net loans and leases to total assets | 74.0463% | 1,726 |
| Net loans and leases to deposits | 81.2172% | 2,739 |
| Net loans and leases to core deposits | 88.4990% | 2,610 |
| Total domestic deposits to total assets | 91.1707% | 212 |
| Equity capital to assets | 6.3587% | 6,185 |
| Core capital (leverage) ratio | 6.4288% | 6,175 |
| Tier 1 risk-based capital ratio | 8.5860% | 6,207 |
| Total risk-based capital ratio | 9.8368% | 6,206 |
| Memoranda: | ||
| Average total assets | $146,585,000 | 3,650 |
| Average earning assets | $137,975,000 | 3,601 |
| Average equity | $9,044,750 | 4,895 |
| Average total loans | $107,819,750 | 3,266 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 1,822 |
| Cost of funding earning assets | 0.6018% | 1,402 |
| Net interest margin | 3.8076% | 2,279 |
| Noninterest income to average assets | 0.1277% | 5,912 |
| Noninterest expense to average assets | 3.6533% | 1,048 |
| Loan and lease loss provision to assets | 0.0136% | 3,846 |
| Net operating income to assets | 0.0326% | 5,957 |
| Return on assets (ROA) | 0.0326% | 6,000 |
| Pretax return on assets | 0.0353% | 5,990 |
| Return on Equity (ROE) | 0.5336% | 5,958 |
| Retained earnings to average equity (ytd only) | 0.5336% | 5,340 |
| Net charge-offs to loans | 0.0706% | 2,381 |
| Credit loss provision to net charge-offs | 26.3158% | 2,960 |
| Earnings coverage of net charge-offs (x) | 0.9474% | 3,599 |
| Efficiency ratio | 98.6794% | 358 |
| Assets per employee ($millions) | 4.0270% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,080 |
| Loan loss allowance to noncurrent loans | 54.7842% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 4.9520% | 227 |
| Noncurrent loans to loans | 2.4273% | 928 |
| Net loans and leases to total assets | 74.7267% | 1,547 |
| Net loans and leases to deposits | 81.8595% | 2,576 |
| Net loans and leases to core deposits | 85.7342% | 2,792 |
| Total domestic deposits to total assets | 91.2865% | 233 |
| Equity capital to assets | 6.1688% | 6,263 |
| Core capital (leverage) ratio | 6.2249% | 6,263 |
| Tier 1 risk-based capital ratio | 8.2807% | 6,286 |
| Total risk-based capital ratio | 9.5314% | 6,284 |
| Memoranda: | ||
| Average total assets | $147,266,000 | 3,669 |
| Average earning assets | $138,250,330 | 3,627 |
| Average equity | $8,996,000 | 4,944 |
| Average total loans | $107,624,330 | 3,290 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 2,085 |
| Cost of funding earning assets | 0.5998% | 1,441 |
| Net interest margin | 3.7050% | 2,601 |
| Noninterest income to average assets | 0.1725% | 5,681 |
| Noninterest expense to average assets | 3.6412% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0108% | 6,007 |
| Return on assets (ROA) | 0.0108% | 6,045 |
| Pretax return on assets | 0.0108% | 6,039 |
| Return on Equity (ROE) | 0.1773% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.1773% | 5,313 |
| Net charge-offs to loans | 0.0713% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 3,083 |
| Efficiency ratio | 99.7048% | 372 |
| Assets per employee ($millions) | 4.0185% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 3,211 |
| Loan loss allowance to noncurrent loans | 53.2054% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 4.8942% | 256 |
| Noncurrent loans to loans | 2.5121% | 964 |
| Net loans and leases to total assets | 72.9329% | 1,667 |
| Net loans and leases to deposits | 79.8082% | 2,579 |
| Net loans and leases to core deposits | 84.9478% | 2,662 |
| Total domestic deposits to total assets | 91.3852% | 255 |
| Equity capital to assets | 6.1479% | 6,329 |
| Core capital (leverage) ratio | 6.1641% | 6,321 |
| Tier 1 risk-based capital ratio | 8.2406% | 6,347 |
| Total risk-based capital ratio | 9.4916% | 6,347 |
| Memoranda: | ||
| Average total assets | $148,413,500 | 3,679 |
| Average earning assets | $139,379,000 | 3,635 |
| Average equity | $9,022,500 | 4,985 |
| Average total loans | $106,540,500 | 3,327 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,545 |
| Cost of funding earning assets | 0.6187% | 1,614 |
| Net interest margin | 3.4247% | 4,089 |
| Noninterest income to average assets | -0.2586% | 6,481 |
| Noninterest expense to average assets | 4.3554% | 523 |
| Loan and lease loss provision to assets | 1.1502% | 85 |
| Net operating income to assets | -2.5767% | 6,469 |
| Return on assets (ROA) | -2.5859% | 6,470 |
| Pretax return on assets | -2.5846% | 6,467 |
| Return on Equity (ROE) | -44.0092% | 6,482 |
| Retained earnings to average equity (ytd only) | -44.0092% | 6,480 |
| Net charge-offs to loans | 1.5267% | 157 |
| Credit loss provision to net charge-offs | 108.4568% | 2,199 |
| Earnings coverage of net charge-offs (x) | -1.3438% | 4,815 |
| Efficiency ratio | 148.6372% | 55 |
| Assets per employee ($millions) | 4.0038% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4423% | 2,730 |
| Loan loss allowance to noncurrent loans | 48.5007% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 5.1194% | 262 |
| Noncurrent loans to loans | 2.9737% | 756 |
| Net loans and leases to total assets | 68.6393% | 2,467 |
| Net loans and leases to deposits | 75.0866% | 3,300 |
| Net loans and leases to core deposits | 79.1597% | 3,392 |
| Total domestic deposits to total assets | 91.4136% | 247 |
| Equity capital to assets | 6.0105% | 6,411 |
| Core capital (leverage) ratio | 6.2819% | 6,389 |
| Tier 1 risk-based capital ratio | 8.8910% | 6,413 |
| Total risk-based capital ratio | 10.1432% | 6,407 |
| Memoranda: | ||
| Average total assets | $152,752,200 | 3,587 |
| Average earning assets | $142,233,400 | 3,563 |
| Average equity | $8,975,400 | 4,983 |
| Average total loans | $106,110,400 | 3,300 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 3,562 |
| Cost of funding earning assets | 0.6284% | 1,612 |
| Net interest margin | 3.4209% | 4,146 |
| Noninterest income to average assets | -0.3387% | 6,566 |
| Noninterest expense to average assets | 3.9036% | 838 |
| Loan and lease loss provision to assets | 0.9850% | 114 |
| Net operating income to assets | -2.0722% | 6,531 |
| Return on assets (ROA) | -2.0722% | 6,532 |
| Pretax return on assets | -2.0488% | 6,522 |
| Return on Equity (ROE) | -35.4627% | 6,549 |
| Retained earnings to average equity (ytd only) | -35.4627% | 6,545 |
| Net charge-offs to loans | 1.4163% | 176 |
| Credit loss provision to net charge-offs | 100.1762% | 2,198 |
| Earnings coverage of net charge-offs (x) | -1.0819% | 4,532 |
| Efficiency ratio | 137.4619% | 76 |
| Assets per employee ($millions) | 4.1303% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 3,496 |
| Loan loss allowance to noncurrent loans | 29.3174% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 6.6716% | 190 |
| Noncurrent loans to loans | 4.5371% | 433 |
| Net loans and leases to total assets | 67.4995% | 2,613 |
| Net loans and leases to deposits | 74.6613% | 3,345 |
| Net loans and leases to core deposits | 79.0998% | 3,429 |
| Total domestic deposits to total assets | 90.4076% | 566 |
| Equity capital to assets | 6.8787% | 6,403 |
| Core capital (leverage) ratio | 7.0396% | 6,376 |
| Tier 1 risk-based capital ratio | 10.2751% | 6,275 |
| Total risk-based capital ratio | 11.5261% | 6,239 |
| Memoranda: | ||
| Average total assets | $153,905,000 | 3,608 |
| Average earning assets | $143,000,000 | 3,592 |
| Average equity | $8,993,250 | 5,012 |
| Average total loans | $106,845,250 | 3,309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,173 |
| Cost of funding earning assets | 0.6271% | 1,667 |
| Net interest margin | 3.5176% | 3,708 |
| Noninterest income to average assets | -0.3714% | 6,643 |
| Noninterest expense to average assets | 3.8113% | 959 |
| Loan and lease loss provision to assets | 0.2698% | 772 |
| Net operating income to assets | -1.2105% | 6,553 |
| Return on assets (ROA) | -1.2105% | 6,549 |
| Pretax return on assets | -1.1873% | 6,534 |
| Return on Equity (ROE) | -21.9538% | 6,582 |
| Retained earnings to average equity (ytd only) | -21.9538% | 6,545 |
| Net charge-offs to loans | 0.4035% | 1,009 |
| Credit loss provision to net charge-offs | 95.8904% | 2,084 |
| Earnings coverage of net charge-offs (x) | -3.2603% | 4,274 |
| Efficiency ratio | 131.7052% | 93 |
| Assets per employee ($millions) | 4.2524% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 3,908 |
| Loan loss allowance to noncurrent loans | 28.5441% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 6.8955% | 194 |
| Noncurrent loans to loans | 4.5167% | 485 |
| Net loans and leases to total assets | 67.1699% | 2,554 |
| Net loans and leases to deposits | 74.9938% | 3,193 |
| Net loans and leases to core deposits | 79.3277% | 3,280 |
| Total domestic deposits to total assets | 89.5672% | 1,043 |
| Equity capital to assets | 7.6115% | 6,319 |
| Core capital (leverage) ratio | 7.8388% | 6,187 |
| Tier 1 risk-based capital ratio | 11.2703% | 5,927 |
| Total risk-based capital ratio | 12.5159% | 5,867 |
| Memoranda: | ||
| Average total assets | $155,643,330 | 3,598 |
| Average earning assets | $144,475,330 | 3,588 |
| Average equity | $8,581,670 | 5,142 |
| Average total loans | $108,554,330 | 3,277 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,357 |
| Cost of funding earning assets | 0.6350% | 1,687 |
| Net interest margin | 3.4473% | 3,911 |
| Noninterest income to average assets | -0.3288% | 6,702 |
| Noninterest expense to average assets | 3.6247% | 1,264 |
| Loan and lease loss provision to assets | 0.3645% | 474 |
| Net operating income to assets | -1.1445% | 6,591 |
| Return on assets (ROA) | -1.1445% | 6,587 |
| Pretax return on assets | -1.1216% | 6,576 |
| Return on Equity (ROE) | -25.4878% | 6,649 |
| Retained earnings to average equity (ytd only) | -25.4878% | 6,588 |
| Net charge-offs to loans | 0.2239% | 1,427 |
| Credit loss provision to net charge-offs | 230.6452% | 948 |
| Earnings coverage of net charge-offs (x) | -4.7903% | 3,575 |
| Efficiency ratio | 126.4000% | 142 |
| Assets per employee ($millions) | 4.8742% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 4,119 |
| Loan loss allowance to noncurrent loans | 32.2305% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 6.8325% | 226 |
| Noncurrent loans to loans | 4.0353% | 669 |
| Net loans and leases to total assets | 69.6714% | 1,949 |
| Net loans and leases to deposits | 74.7191% | 2,988 |
| Net loans and leases to core deposits | 78.7664% | 3,117 |
| Total domestic deposits to total assets | 93.2444% | 95 |
| Equity capital to assets | 4.5033% | 6,660 |
| Core capital (leverage) ratio | 4.9863% | 6,646 |
| Tier 1 risk-based capital ratio | 6.8897% | 6,658 |
| Total risk-based capital ratio | 8.1399% | 6,658 |
| Memoranda: | ||
| Average total assets | $156,922,500 | 3,607 |
| Average earning assets | $145,505,500 | 3,597 |
| Average equity | $7,046,500 | 5,504 |
| Average total loans | $110,746,500 | 3,250 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 3,297 |
| Cost of funding earning assets | 0.8110% | 1,156 |
| Net interest margin | 3.4037% | 4,258 |
| Noninterest income to average assets | -0.0524% | 6,695 |
| Noninterest expense to average assets | 3.3413% | 2,020 |
| Loan and lease loss provision to assets | 1.6447% | 72 |
| Net operating income to assets | -1.8739% | 6,703 |
| Return on assets (ROA) | -1.7661% | 6,695 |
| Pretax return on assets | -1.7649% | 6,690 |
| Return on Equity (ROE) | -32.5895% | 6,735 |
| Retained earnings to average equity (ytd only) | -32.5895% | 6,731 |
| Net charge-offs to loans | 2.4904% | 116 |
| Credit loss provision to net charge-offs | 94.7065% | 2,639 |
| Earnings coverage of net charge-offs (x) | -0.1313% | 5,125 |
| Efficiency ratio | 107.3254% | 314 |
| Assets per employee ($millions) | 4.9334% | 2,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 4,586 |
| Loan loss allowance to noncurrent loans | 29.4682% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 7.0780% | 235 |
| Noncurrent loans to loans | 4.1188% | 687 |
| Net loans and leases to total assets | 69.7023% | 2,069 |
| Net loans and leases to deposits | 74.9135% | 3,113 |
| Net loans and leases to core deposits | 78.8929% | 3,253 |
| Total domestic deposits to total assets | 93.0436% | 132 |
| Equity capital to assets | 4.4777% | 6,726 |
| Core capital (leverage) ratio | 4.9452% | 6,718 |
| Tier 1 risk-based capital ratio | 7.1931% | 6,725 |
| Total risk-based capital ratio | 8.3715% | 6,726 |
| Memoranda: | ||
| Average total assets | $169,696,600 | 3,414 |
| Average earning assets | $157,826,400 | 3,380 |
| Average equity | $9,196,200 | 5,040 |
| Average total loans | $118,333,600 | 3,069 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 3,352 |
| Cost of funding earning assets | 0.8222% | 1,203 |
| Net interest margin | 3.3875% | 4,328 |
| Noninterest income to average assets | 0.0795% | 6,541 |
| Noninterest expense to average assets | 3.2025% | 2,359 |
| Loan and lease loss provision to assets | 1.9769% | 41 |
| Net operating income to assets | -1.9484% | 6,798 |
| Return on assets (ROA) | -1.8070% | 6,793 |
| Pretax return on assets | -1.8055% | 6,790 |
| Return on Equity (ROE) | -32.0715% | 6,821 |
| Retained earnings to average equity (ytd only) | -32.0715% | 6,816 |
| Net charge-offs to loans | 2.9993% | 76 |
| Credit loss provision to net charge-offs | 94.7797% | 2,512 |
| Earnings coverage of net charge-offs (x) | 0.0144% | 4,853 |
| Efficiency ratio | 99.0683% | 494 |
| Assets per employee ($millions) | 5.4948% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 4,948 |
| Loan loss allowance to noncurrent loans | 27.3018% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 6.7331% | 314 |
| Noncurrent loans to loans | 4.3333% | 776 |
| Net loans and leases to total assets | 67.0314% | 2,453 |
| Net loans and leases to deposits | 74.4101% | 3,174 |
| Net loans and leases to core deposits | 78.6044% | 3,283 |
| Total domestic deposits to total assets | 90.0838% | 949 |
| Equity capital to assets | 4.6273% | 6,796 |
| Core capital (leverage) ratio | 5.1564% | 6,780 |
| Tier 1 risk-based capital ratio | 7.4879% | 6,781 |
| Total risk-based capital ratio | 8.6379% | 6,784 |
| Memoranda: | ||
| Average total assets | $172,653,250 | 3,397 |
| Average earning assets | $160,705,250 | 3,358 |
| Average equity | $9,728,000 | 4,970 |
| Average total loans | $120,069,250 | 3,058 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 3,273 |
| Cost of funding earning assets | 0.8314% | 1,252 |
| Net interest margin | 3.3913% | 4,218 |
| Noninterest income to average assets | 0.0588% | 6,644 |
| Noninterest expense to average assets | 3.2141% | 2,314 |
| Loan and lease loss provision to assets | 2.9419% | 21 |
| Net operating income to assets | -2.9546% | 6,895 |
| Return on assets (ROA) | -2.7435% | 6,891 |
| Pretax return on assets | -2.7297% | 6,884 |
| Return on Equity (ROE) | -46.0007% | 6,900 |
| Retained earnings to average equity (ytd only) | -46.0007% | 6,894 |
| Net charge-offs to loans | 4.4614% | 41 |
| Credit loss provision to net charge-offs | 94.0634% | 2,352 |
| Earnings coverage of net charge-offs (x) | 0.0004% | 4,555 |
| Efficiency ratio | 99.9641% | 486 |
| Assets per employee ($millions) | 5.4304% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,332 |
| Loan loss allowance to noncurrent loans | 18.8603% | 6,328 |
| Noncurrent assets plus other real estate owned to assets | 7.7894% | 275 |
| Noncurrent loans to loans | 5.9805% | 479 |
| Net loans and leases to total assets | 67.9469% | 2,243 |
| Net loans and leases to deposits | 75.1695% | 2,994 |
| Net loans and leases to core deposits | 80.2482% | 2,997 |
| Total domestic deposits to total assets | 90.3915% | 812 |
| Equity capital to assets | 4.5893% | 6,846 |
| Core capital (leverage) ratio | 5.0794% | 6,824 |
| Tier 1 risk-based capital ratio | 7.1227% | 6,840 |
| Total risk-based capital ratio | 8.2053% | 6,849 |
| Memoranda: | ||
| Average total assets | $173,425,000 | 3,403 |
| Average earning assets | $161,412,670 | 3,372 |
| Average equity | $10,343,330 | 4,860 |
| Average total loans | $121,576,670 | 3,034 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,027 |
| Cost of funding earning assets | 0.8398% | 1,310 |
| Net interest margin | 3.4287% | 4,015 |
| Noninterest income to average assets | 0.1431% | 6,391 |
| Noninterest expense to average assets | 3.2000% | 2,352 |
| Loan and lease loss provision to assets | 0.0208% | 4,209 |
| Net operating income to assets | 0.1147% | 6,120 |
| Return on assets (ROA) | 0.4641% | 5,018 |
| Pretax return on assets | 0.4779% | 5,329 |
| Return on Equity (ROE) | 6.9746% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.9746% | 2,160 |
| Net charge-offs to loans | 0.4761% | 1,252 |
| Credit loss provision to net charge-offs | 6.1644% | 3,183 |
| Earnings coverage of net charge-offs (x) | 0.4110% | 3,675 |
| Efficiency ratio | 95.8506% | 742 |
| Assets per employee ($millions) | 4.7826% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 5,482 |
| Loan loss allowance to noncurrent loans | 25.6982% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 6.7589% | 426 |
| Noncurrent loans to loans | 4.3984% | 968 |
| Net loans and leases to total assets | 69.6520% | 1,723 |
| Net loans and leases to deposits | 78.5164% | 2,267 |
| Net loans and leases to core deposits | 83.9708% | 2,326 |
| Total domestic deposits to total assets | 88.7102% | 1,864 |
| Equity capital to assets | 6.6695% | 6,766 |
| Core capital (leverage) ratio | 6.6581% | 6,723 |
| Tier 1 risk-based capital ratio | 9.1657% | 6,795 |
| Total risk-based capital ratio | 10.2637% | 6,813 |
| Memoranda: | ||
| Average total assets | $173,250,500 | 3,443 |
| Average earning assets | $161,462,000 | 3,407 |
| Average equity | $11,527,500 | 4,667 |
| Average total loans | $122,654,500 | 3,034 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 3,229 |
| Cost of funding earning assets | 1.0570% | 1,088 |
| Net interest margin | 3.4858% | 4,552 |
| Noninterest income to average assets | -0.6104% | 7,039 |
| Noninterest expense to average assets | 3.4783% | 1,870 |
| Loan and lease loss provision to assets | 1.0514% | 367 |
| Net operating income to assets | -1.9250% | 6,918 |
| Return on assets (ROA) | -1.9250% | 6,928 |
| Pretax return on assets | -1.9239% | 6,919 |
| Return on Equity (ROE) | -25.9915% | 6,932 |
| Retained earnings to average equity (ytd only) | -25.9915% | 6,906 |
| Net charge-offs to loans | 1.3057% | 741 |
| Credit loss provision to net charge-offs | 109.2735% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.9067% | 5,743 |
| Efficiency ratio | 133.4787% | 141 |
| Assets per employee ($millions) | 4.5876% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,043 |
| Loan loss allowance to noncurrent loans | 28.1816% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 6.5285% | 507 |
| Noncurrent loans to loans | 4.3148% | 1,018 |
| Net loans and leases to total assets | 70.2744% | 1,788 |
| Net loans and leases to deposits | 79.1339% | 2,386 |
| Net loans and leases to core deposits | 84.8640% | 2,445 |
| Total domestic deposits to total assets | 88.8044% | 1,698 |
| Equity capital to assets | 6.6381% | 6,828 |
| Core capital (leverage) ratio | 6.4179% | 6,808 |
| Tier 1 risk-based capital ratio | 8.8404% | 6,866 |
| Total risk-based capital ratio | 10.0270% | 6,877 |
| Memoranda: | ||
| Average total assets | $175,948,400 | 3,365 |
| Average earning assets | $162,342,800 | 3,341 |
| Average equity | $13,031,200 | 4,352 |
| Average total loans | $129,664,800 | 2,891 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 3,000 |
| Cost of funding earning assets | 1.0938% | 1,085 |
| Net interest margin | 3.5592% | 4,400 |
| Noninterest income to average assets | -0.3395% | 7,100 |
| Noninterest expense to average assets | 3.5005% | 1,759 |
| Loan and lease loss provision to assets | 1.1945% | 304 |
| Net operating income to assets | -1.7797% | 7,013 |
| Return on assets (ROA) | -1.7797% | 7,022 |
| Pretax return on assets | -1.7601% | 6,992 |
| Return on Equity (ROE) | -23.4293% | 7,022 |
| Retained earnings to average equity (ytd only) | -23.4293% | 7,010 |
| Net charge-offs to loans | 1.0314% | 1,023 |
| Credit loss provision to net charge-offs | 155.8185% | 1,806 |
| Earnings coverage of net charge-offs (x) | -0.7377% | 5,541 |
| Efficiency ratio | 119.2684% | 202 |
| Assets per employee ($millions) | 4.8611% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,811 |
| Loan loss allowance to noncurrent loans | 24.7259% | 6,358 |
| Noncurrent assets plus other real estate owned to assets | 7.6531% | 420 |
| Noncurrent loans to loans | 6.1963% | 641 |
| Net loans and leases to total assets | 66.6981% | 2,520 |
| Net loans and leases to deposits | 74.8159% | 3,170 |
| Net loans and leases to core deposits | 79.2551% | 3,298 |
| Total domestic deposits to total assets | 89.1496% | 1,342 |
| Equity capital to assets | 6.4730% | 6,943 |
| Core capital (leverage) ratio | 6.6618% | 6,851 |
| Tier 1 risk-based capital ratio | 8.8186% | 6,956 |
| Total risk-based capital ratio | 10.0705% | 6,961 |
| Memoranda: | ||
| Average total assets | $176,353,500 | 3,406 |
| Average earning assets | $162,243,750 | 3,383 |
| Average equity | $13,396,000 | 4,319 |
| Average total loans | $131,077,000 | 2,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 2,621 |
| Cost of funding earning assets | 1.1218% | 1,118 |
| Net interest margin | 3.6513% | 4,030 |
| Noninterest income to average assets | 0.1210% | 6,578 |
| Noninterest expense to average assets | 3.4961% | 1,797 |
| Loan and lease loss provision to assets | 0.8527% | 570 |
| Net operating income to assets | -0.8769% | 6,878 |
| Return on assets (ROA) | -0.8769% | 6,905 |
| Pretax return on assets | -0.8562% | 6,865 |
| Return on Equity (ROE) | -10.9688% | 6,923 |
| Retained earnings to average equity (ytd only) | -10.9688% | 6,859 |
| Net charge-offs to loans | 0.9124% | 1,207 |
| Credit loss provision to net charge-offs | 121.9110% | 2,254 |
| Earnings coverage of net charge-offs (x) | -0.0049% | 5,081 |
| Efficiency ratio | 100.0990% | 554 |
| Assets per employee ($millions) | 4.5434% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 5,730 |
| Loan loss allowance to noncurrent loans | 15.9416% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 8.5781% | 375 |
| Noncurrent loans to loans | 6.9904% | 555 |
| Net loans and leases to total assets | 76.2737% | 935 |
| Net loans and leases to deposits | 86.9943% | 1,477 |
| Net loans and leases to core deposits | 92.8438% | 1,701 |
| Total domestic deposits to total assets | 87.6767% | 2,351 |
| Equity capital to assets | 7.7510% | 6,694 |
| Core capital (leverage) ratio | 7.5908% | 6,572 |
| Tier 1 risk-based capital ratio | 9.6173% | 6,905 |
| Total risk-based capital ratio | 10.7018% | 6,927 |
| Memoranda: | ||
| Average total assets | $173,564,000 | 3,447 |
| Average earning assets | $160,271,330 | 3,423 |
| Average equity | $13,875,670 | 4,218 |
| Average total loans | $133,061,670 | 2,872 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8263% | 2,539 |
| Cost of funding earning assets | 1.1427% | 1,202 |
| Net interest margin | 3.6836% | 3,907 |
| Noninterest income to average assets | 0.1609% | 6,422 |
| Noninterest expense to average assets | 3.3375% | 2,179 |
| Loan and lease loss provision to assets | 0.1379% | 3,629 |
| Net operating income to assets | 0.0804% | 6,277 |
| Return on assets (ROA) | 0.0804% | 6,395 |
| Pretax return on assets | 0.1011% | 6,382 |
| Return on Equity (ROE) | 0.9913% | 6,350 |
| Retained earnings to average equity (ytd only) | 0.9913% | 5,677 |
| Net charge-offs to loans | -0.0060% | 5,831 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3162% | 862 |
| Assets per employee ($millions) | 5.0040% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 6,026 |
| Loan loss allowance to noncurrent loans | 20.8131% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 7.0173% | 613 |
| Noncurrent loans to loans | 5.1120% | 1,085 |
| Net loans and leases to total assets | 75.0210% | 918 |
| Net loans and leases to deposits | 85.8714% | 1,437 |
| Net loans and leases to core deposits | 91.5681% | 1,694 |
| Total domestic deposits to total assets | 87.3643% | 2,737 |
| Equity capital to assets | 8.0684% | 6,469 |
| Core capital (leverage) ratio | 8.0525% | 6,209 |
| Tier 1 risk-based capital ratio | 10.2718% | 6,805 |
| Total risk-based capital ratio | 11.3118% | 6,858 |
| Memoranda: | ||
| Average total assets | $174,022,000 | 3,469 |
| Average earning assets | $161,365,500 | 3,415 |
| Average equity | $14,122,500 | 4,180 |
| Average total loans | $133,008,000 | 2,888 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8891% | 3,413 |
| Cost of funding earning assets | 1.2070% | 1,984 |
| Net interest margin | 3.6822% | 4,379 |
| Noninterest income to average assets | 0.0631% | 6,783 |
| Noninterest expense to average assets | 3.4218% | 2,186 |
| Loan and lease loss provision to assets | 0.2256% | 3,948 |
| Net operating income to assets | -0.0744% | 6,136 |
| Return on assets (ROA) | 0.0428% | 6,086 |
| Pretax return on assets | 0.0631% | 6,030 |
| Return on Equity (ROE) | 0.5291% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.5291% | 5,598 |
| Net charge-offs to loans | 0.6081% | 2,623 |
| Credit loss provision to net charge-offs | 47.6190% | 5,479 |
| Earnings coverage of net charge-offs (x) | 0.2454% | 5,642 |
| Efficiency ratio | 96.7135% | 786 |
| Assets per employee ($millions) | 4.6731% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,149 |
| Loan loss allowance to noncurrent loans | 20.0445% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 6.7546% | 690 |
| Noncurrent loans to loans | 5.0596% | 1,109 |
| Net loans and leases to total assets | 76.2621% | 919 |
| Net loans and leases to deposits | 87.5722% | 1,442 |
| Net loans and leases to core deposits | 94.9453% | 1,592 |
| Total domestic deposits to total assets | 87.0848% | 2,716 |
| Equity capital to assets | 8.1629% | 6,472 |
| Core capital (leverage) ratio | 8.1619% | 6,052 |
| Tier 1 risk-based capital ratio | 10.1150% | 6,822 |
| Total risk-based capital ratio | 11.0971% | 6,885 |
| Memoranda: | ||
| Average total assets | $172,864,600 | 3,445 |
| Average earning assets | $163,137,200 | 3,347 |
| Average equity | $13,986,800 | 4,111 |
| Average total loans | $134,686,600 | 2,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 3,595 |
| Cost of funding earning assets | 1.2148% | 2,228 |
| Net interest margin | 3.6779% | 4,435 |
| Noninterest income to average assets | 0.1651% | 6,411 |
| Noninterest expense to average assets | 3.2913% | 2,524 |
| Loan and lease loss provision to assets | 0.2006% | 4,016 |
| Net operating income to assets | 0.1561% | 5,815 |
| Return on assets (ROA) | 0.1828% | 5,873 |
| Pretax return on assets | 0.1844% | 5,924 |
| Return on Equity (ROE) | 2.2643% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.2643% | 4,994 |
| Net charge-offs to loans | 0.4452% | 2,944 |
| Credit loss provision to net charge-offs | 57.6497% | 4,862 |
| Earnings coverage of net charge-offs (x) | 1.0288% | 4,862 |
| Efficiency ratio | 90.1923% | 1,154 |
| Assets per employee ($millions) | 4.5725% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,538 |
| Loan loss allowance to noncurrent loans | 17.3045% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 7.0941% | 693 |
| Noncurrent loans to loans | 6.8343% | 741 |
| Net loans and leases to total assets | 78.3786% | 674 |
| Net loans and leases to deposits | 90.3753% | 1,171 |
| Net loans and leases to core deposits | 98.3709% | 1,395 |
| Total domestic deposits to total assets | 86.7257% | 2,807 |
| Equity capital to assets | 8.6060% | 6,193 |
| Core capital (leverage) ratio | 8.4248% | 5,815 |
| Tier 1 risk-based capital ratio | 10.2297% | 6,882 |
| Total risk-based capital ratio | 11.3834% | 6,907 |
| Memoranda: | ||
| Average total assets | $172,854,500 | 3,469 |
| Average earning assets | $163,749,250 | 3,362 |
| Average equity | $13,955,000 | 4,134 |
| Average total loans | $135,055,250 | 2,920 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 3,745 |
| Cost of funding earning assets | 1.2369% | 2,344 |
| Net interest margin | 3.6358% | 4,577 |
| Noninterest income to average assets | 0.1631% | 6,485 |
| Noninterest expense to average assets | 3.2847% | 2,619 |
| Loan and lease loss provision to assets | 0.2298% | 3,615 |
| Net operating income to assets | 0.1000% | 6,020 |
| Return on assets (ROA) | 0.1000% | 6,096 |
| Pretax return on assets | 0.1000% | 6,102 |
| Return on Equity (ROE) | 1.2651% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.2651% | 5,347 |
| Net charge-offs to loans | 0.6709% | 2,157 |
| Credit loss provision to net charge-offs | 44.0529% | 4,738 |
| Earnings coverage of net charge-offs (x) | 0.6322% | 4,825 |
| Efficiency ratio | 90.8773% | 1,177 |
| Assets per employee ($millions) | 4.6009% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,763 |
| Loan loss allowance to noncurrent loans | 16.9671% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 6.9417% | 739 |
| Noncurrent loans to loans | 6.7743% | 790 |
| Net loans and leases to total assets | 77.0432% | 909 |
| Net loans and leases to deposits | 88.5864% | 1,414 |
| Net loans and leases to core deposits | 95.1253% | 1,772 |
| Total domestic deposits to total assets | 86.9696% | 2,755 |
| Equity capital to assets | 8.3773% | 6,330 |
| Core capital (leverage) ratio | 8.1788% | 6,068 |
| Tier 1 risk-based capital ratio | 10.1896% | 6,915 |
| Total risk-based capital ratio | 11.3063% | 6,949 |
| Memoranda: | ||
| Average total assets | $174,078,000 | 3,466 |
| Average earning assets | $165,247,330 | 3,352 |
| Average equity | $13,753,330 | 4,166 |
| Average total loans | $135,343,330 | 2,936 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8213% | 3,954 |
| Cost of funding earning assets | 1.2470% | 2,523 |
| Net interest margin | 3.5743% | 4,693 |
| Noninterest income to average assets | 0.1568% | 6,600 |
| Noninterest expense to average assets | 3.2159% | 2,841 |
| Loan and lease loss provision to assets | 0.2727% | 2,971 |
| Net operating income to assets | 0.0818% | 6,140 |
| Return on assets (ROA) | 0.0818% | 6,195 |
| Pretax return on assets | 0.0818% | 6,215 |
| Return on Equity (ROE) | 1.0667% | 6,111 |
| Retained earnings to average equity (ytd only) | 1.0667% | 5,399 |
| Net charge-offs to loans | 1.4399% | 944 |
| Credit loss provision to net charge-offs | 24.3902% | 4,207 |
| Earnings coverage of net charge-offs (x) | 0.3171% | 4,377 |
| Efficiency ratio | 90.0700% | 1,327 |
| Assets per employee ($millions) | 4.8205% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 6,276 |
| Loan loss allowance to noncurrent loans | 13.0532% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 6.0434% | 953 |
| Noncurrent loans to loans | 7.9120% | 639 |
| Net loans and leases to total assets | 75.5937% | 1,094 |
| Net loans and leases to deposits | 86.0862% | 1,718 |
| Net loans and leases to core deposits | 91.1327% | 2,223 |
| Total domestic deposits to total assets | 87.8117% | 2,478 |
| Equity capital to assets | 7.7921% | 6,682 |
| Core capital (leverage) ratio | 7.9738% | 6,287 |
| Tier 1 risk-based capital ratio | 10.1016% | 6,971 |
| Total risk-based capital ratio | 11.1263% | 7,049 |
| Memoranda: | ||
| Average total assets | $176,000,500 | 3,451 |
| Average earning assets | $168,087,000 | 3,327 |
| Average equity | $13,499,500 | 4,222 |
| Average total loans | $136,676,000 | 2,953 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 4,250 |
| Cost of funding earning assets | 1.5989% | 2,074 |
| Net interest margin | 3.4686% | 5,369 |
| Noninterest income to average assets | 0.1210% | 6,803 |
| Noninterest expense to average assets | 3.0738% | 3,575 |
| Loan and lease loss provision to assets | 0.3344% | 4,145 |
| Net operating income to assets | 0.0122% | 5,802 |
| Return on assets (ROA) | 0.1198% | 5,682 |
| Pretax return on assets | 0.1198% | 5,666 |
| Return on Equity (ROE) | 1.5487% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.5487% | 4,759 |
| Net charge-offs to loans | 0.1596% | 5,389 |
| Credit loss provision to net charge-offs | 266.2037% | 1,054 |
| Earnings coverage of net charge-offs (x) | 2.7593% | 3,697 |
| Efficiency ratio | 89.8657% | 1,333 |
| Assets per employee ($millions) | 4.5695% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 5,015 |
| Loan loss allowance to noncurrent loans | 18.9316% | 6,854 |
| Noncurrent assets plus other real estate owned to assets | 5.4117% | 1,144 |
| Noncurrent loans to loans | 6.8533% | 840 |
| Net loans and leases to total assets | 77.9407% | 953 |
| Net loans and leases to deposits | 88.6630% | 1,701 |
| Net loans and leases to core deposits | 93.0298% | 2,381 |
| Total domestic deposits to total assets | 87.9067% | 2,306 |
| Equity capital to assets | 7.5449% | 6,858 |
| Core capital (leverage) ratio | 7.5107% | 6,697 |
| Tier 1 risk-based capital ratio | 9.5889% | 7,114 |
| Total risk-based capital ratio | 10.8391% | 7,121 |
| Memoranda: | ||
| Average total assets | $171,935,800 | 3,499 |
| Average earning assets | $163,552,800 | 3,385 |
| Average equity | $13,301,200 | 4,308 |
| Average total loans | $135,372,000 | 3,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1057% | 4,289 |
| Cost of funding earning assets | 1.6566% | 2,065 |
| Net interest margin | 3.4491% | 5,497 |
| Noninterest income to average assets | 0.1221% | 6,942 |
| Noninterest expense to average assets | 3.1026% | 3,324 |
| Loan and lease loss provision to assets | 0.2837% | 4,310 |
| Net operating income to assets | 0.0132% | 5,975 |
| Return on assets (ROA) | 0.1570% | 5,779 |
| Pretax return on assets | 0.1570% | 5,819 |
| Return on Equity (ROE) | 2.0173% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.0173% | 4,948 |
| Net charge-offs to loans | 0.0020% | 6,653 |
| Credit loss provision to net charge-offs | 18,250.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 190.7566% | 170 |
| Efficiency ratio | 91.2646% | 1,190 |
| Assets per employee ($millions) | 4.7038% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 4,994 |
| Loan loss allowance to noncurrent loans | 19.1865% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 5.1991% | 1,208 |
| Noncurrent loans to loans | 6.7482% | 864 |
| Net loans and leases to total assets | 76.0466% | 1,401 |
| Net loans and leases to deposits | 86.4248% | 2,250 |
| Net loans and leases to core deposits | 91.2201% | 2,917 |
| Total domestic deposits to total assets | 87.9917% | 1,965 |
| Equity capital to assets | 7.4946% | 7,133 |
| Core capital (leverage) ratio | 7.6701% | 6,708 |
| Tier 1 risk-based capital ratio | 9.6021% | 7,225 |
| Total risk-based capital ratio | 10.8530% | 7,219 |
| Memoranda: | ||
| Average total assets | $171,509,500 | 3,547 |
| Average earning assets | $162,977,750 | 3,442 |
| Average equity | $13,351,250 | 4,360 |
| Average total loans | $134,936,000 | 3,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 4,005 |
| Cost of funding earning assets | 1.7185% | 2,023 |
| Net interest margin | 3.4718% | 5,358 |
| Noninterest income to average assets | 0.1289% | 6,948 |
| Noninterest expense to average assets | 3.1331% | 3,173 |
| Loan and lease loss provision to assets | 0.2602% | 4,327 |
| Net operating income to assets | 0.0331% | 6,031 |
| Return on assets (ROA) | 0.1183% | 5,921 |
| Pretax return on assets | 0.1183% | 5,944 |
| Return on Equity (ROE) | 1.4997% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.4997% | 5,125 |
| Net charge-offs to loans | 0.0030% | 6,343 |
| Credit loss provision to net charge-offs | 11,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 272 |
| Efficiency ratio | 91.4394% | 1,224 |
| Assets per employee ($millions) | 4.2783% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,526 |
| Loan loss allowance to noncurrent loans | 19.2751% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 4.9658% | 1,305 |
| Noncurrent loans to loans | 6.1561% | 1,025 |
| Net loans and leases to total assets | 79.7078% | 848 |
| Net loans and leases to deposits | 91.1304% | 1,675 |
| Net loans and leases to core deposits | 96.2150% | 2,418 |
| Total domestic deposits to total assets | 87.4657% | 2,278 |
| Equity capital to assets | 7.8420% | 6,892 |
| Core capital (leverage) ratio | 7.8027% | 6,494 |
| Tier 1 risk-based capital ratio | 9.5192% | 7,253 |
| Total risk-based capital ratio | 10.7114% | 7,284 |
| Memoranda: | ||
| Average total assets | $169,098,330 | 3,613 |
| Average earning assets | $160,606,670 | 3,503 |
| Average equity | $13,336,330 | 4,366 |
| Average total loans | $134,011,000 | 3,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1983% | 4,026 |
| Cost of funding earning assets | 1.7745% | 1,998 |
| Net interest margin | 3.4237% | 5,482 |
| Noninterest income to average assets | 0.1475% | 6,918 |
| Noninterest expense to average assets | 3.1270% | 3,152 |
| Loan and lease loss provision to assets | 0.2856% | 3,742 |
| Net operating income to assets | -0.0143% | 6,323 |
| Return on assets (ROA) | 0.1571% | 5,954 |
| Pretax return on assets | 0.1571% | 6,000 |
| Return on Equity (ROE) | 1.9858% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.9858% | 4,944 |
| Net charge-offs to loans | 0.0061% | 5,525 |
| Credit loss provision to net charge-offs | 6,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 57.0000% | 521 |
| Efficiency ratio | 92.0168% | 1,275 |
| Assets per employee ($millions) | 4.2652% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,637 |
| Loan loss allowance to noncurrent loans | 20.8939% | 6,961 |
| Noncurrent assets plus other real estate owned to assets | 4.4252% | 1,533 |
| Noncurrent loans to loans | 5.6188% | 1,224 |
| Net loans and leases to total assets | 77.8329% | 1,184 |
| Net loans and leases to deposits | 89.2513% | 2,024 |
| Net loans and leases to core deposits | 93.2088% | 2,948 |
| Total domestic deposits to total assets | 87.2064% | 2,524 |
| Equity capital to assets | 8.0275% | 6,623 |
| Core capital (leverage) ratio | 7.7654% | 6,547 |
| Tier 1 risk-based capital ratio | 9.8578% | 7,117 |
| Total risk-based capital ratio | 11.0206% | 7,166 |
| Memoranda: | ||
| Average total assets | $168,082,500 | 3,694 |
| Average earning assets | $159,591,500 | 3,573 |
| Average equity | $13,294,500 | 4,409 |
| Average total loans | $131,995,500 | 3,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4862% | 4,221 |
| Cost of funding earning assets | 2.3604% | 1,422 |
| Net interest margin | 3.1259% | 6,289 |
| Noninterest income to average assets | 0.1915% | 6,726 |
| Noninterest expense to average assets | 3.1084% | 3,701 |
| Loan and lease loss provision to assets | 0.3708% | 4,563 |
| Net operating income to assets | -0.3118% | 5,987 |
| Return on assets (ROA) | -0.2522% | 5,900 |
| Pretax return on assets | -0.2522% | 5,770 |
| Return on Equity (ROE) | -3.0788% | 5,996 |
| Retained earnings to average equity (ytd only) | -3.0788% | 5,716 |
| Net charge-offs to loans | 0.3902% | 4,260 |
| Credit loss provision to net charge-offs | 118.2171% | 4,573 |
| Earnings coverage of net charge-offs (x) | 0.1880% | 5,959 |
| Efficiency ratio | 98.1386% | 1,206 |
| Assets per employee ($millions) | 4.3545% | 3,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 6,051 |
| Loan loss allowance to noncurrent loans | 23.2978% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 3.5890% | 1,863 |
| Noncurrent loans to loans | 4.5832% | 1,541 |
| Net loans and leases to total assets | 77.4714% | 1,488 |
| Net loans and leases to deposits | 88.5351% | 2,465 |
| Net loans and leases to core deposits | 116.0451% | 2,313 |
| Total domestic deposits to total assets | 87.5035% | 2,217 |
| Equity capital to assets | 7.7940% | 6,772 |
| Core capital (leverage) ratio | 7.4371% | 6,847 |
| Tier 1 risk-based capital ratio | 9.3635% | 7,296 |
| Total risk-based capital ratio | 10.3970% | 7,414 |
| Memoranda: | ||
| Average total assets | $164,522,200 | 3,692 |
| Average earning assets | $156,628,200 | 3,581 |
| Average equity | $13,479,400 | 4,389 |
| Average total loans | $132,226,600 | 3,226 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5035% | 4,399 |
| Cost of funding earning assets | 2.4584% | 1,417 |
| Net interest margin | 3.0451% | 6,475 |
| Noninterest income to average assets | 0.1626% | 7,038 |
| Noninterest expense to average assets | 3.0768% | 3,739 |
| Loan and lease loss provision to assets | 0.3758% | 4,074 |
| Net operating income to assets | -0.3897% | 6,304 |
| Return on assets (ROA) | -0.3897% | 6,301 |
| Pretax return on assets | -0.3897% | 6,186 |
| Return on Equity (ROE) | -4.6970% | 6,415 |
| Retained earnings to average equity (ytd only) | -4.6970% | 6,214 |
| Net charge-offs to loans | 0.5211% | 3,132 |
| Credit loss provision to net charge-offs | 89.1473% | 5,506 |
| Earnings coverage of net charge-offs (x) | -0.0330% | 6,108 |
| Efficiency ratio | 100.4535% | 1,040 |
| Assets per employee ($millions) | 4.3836% | 3,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 6,654 |
| Loan loss allowance to noncurrent loans | 25.7920% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 2.8802% | 2,414 |
| Noncurrent loans to loans | 3.5876% | 2,080 |
| Net loans and leases to total assets | 79.5381% | 1,277 |
| Net loans and leases to deposits | 90.9468% | 2,402 |
| Net loans and leases to core deposits | 120.4994% | 2,203 |
| Total domestic deposits to total assets | 87.4557% | 1,918 |
| Equity capital to assets | 7.8128% | 7,027 |
| Core capital (leverage) ratio | 7.4594% | 7,023 |
| Tier 1 risk-based capital ratio | 9.1384% | 7,564 |
| Total risk-based capital ratio | 10.0455% | 7,714 |
| Memoranda: | ||
| Average total assets | $163,196,750 | 3,740 |
| Average earning assets | $155,435,500 | 3,627 |
| Average equity | $13,540,250 | 4,406 |
| Average total loans | $132,037,000 | 3,261 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 4,197 |
| Cost of funding earning assets | 2.5354% | 1,493 |
| Net interest margin | 3.0376% | 6,441 |
| Noninterest income to average assets | 0.1694% | 7,077 |
| Noninterest expense to average assets | 3.0584% | 3,855 |
| Loan and lease loss provision to assets | 0.2515% | 4,559 |
| Net operating income to assets | -0.2478% | 6,259 |
| Return on assets (ROA) | -0.2478% | 6,273 |
| Pretax return on assets | -0.2478% | 6,174 |
| Return on Equity (ROE) | -2.9262% | 6,352 |
| Retained earnings to average equity (ytd only) | -2.9262% | 5,960 |
| Net charge-offs to loans | 0.2978% | 3,696 |
| Credit loss provision to net charge-offs | 104.1237% | 4,413 |
| Earnings coverage of net charge-offs (x) | 0.0155% | 5,667 |
| Efficiency ratio | 99.8780% | 1,181 |
| Assets per employee ($millions) | 4.5875% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 6,299 |
| Loan loss allowance to noncurrent loans | 32.9061% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 2,624 |
| Noncurrent loans to loans | 3.0198% | 2,387 |
| Net loans and leases to total assets | 80.5401% | 1,219 |
| Net loans and leases to deposits | 92.6035% | 2,346 |
| Net loans and leases to core deposits | 122.4529% | 2,164 |
| Total domestic deposits to total assets | 86.9731% | 2,272 |
| Equity capital to assets | 8.1459% | 6,566 |
| Core capital (leverage) ratio | 8.0654% | 6,224 |
| Tier 1 risk-based capital ratio | 9.4704% | 7,417 |
| Total risk-based capital ratio | 10.4379% | 7,601 |
| Memoranda: | ||
| Average total assets | $160,608,330 | 3,817 |
| Average earning assets | $152,951,330 | 3,682 |
| Average equity | $13,601,330 | 4,396 |
| Average total loans | $130,299,330 | 3,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 3,899 |
| Cost of funding earning assets | 2.6065% | 1,546 |
| Net interest margin | 3.0736% | 6,276 |
| Noninterest income to average assets | 0.1667% | 7,111 |
| Noninterest expense to average assets | 2.8597% | 4,304 |
| Loan and lease loss provision to assets | 0.2021% | 4,424 |
| Net operating income to assets | 0.0303% | 6,184 |
| Return on assets (ROA) | 0.0303% | 6,338 |
| Pretax return on assets | 0.0303% | 6,319 |
| Return on Equity (ROE) | 0.3510% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.3510% | 5,516 |
| Net charge-offs to loans | 0.6049% | 1,969 |
| Credit loss provision to net charge-offs | 41.2371% | 4,807 |
| Earnings coverage of net charge-offs (x) | 0.4742% | 4,611 |
| Efficiency ratio | 92.4837% | 1,538 |
| Assets per employee ($millions) | 4.3021% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,622 |
| Loan loss allowance to noncurrent loans | 30.6081% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 2.4897% | 2,307 |
| Noncurrent loans to loans | 3.0273% | 2,157 |
| Net loans and leases to total assets | 81.4785% | 1,107 |
| Net loans and leases to deposits | 94.3044% | 2,219 |
| Net loans and leases to core deposits | 125.1290% | 1,985 |
| Total domestic deposits to total assets | 86.3994% | 2,501 |
| Equity capital to assets | 8.6181% | 5,888 |
| Core capital (leverage) ratio | 8.5104% | 5,513 |
| Tier 1 risk-based capital ratio | 9.9934% | 6,933 |
| Total risk-based capital ratio | 10.9069% | 7,216 |
| Memoranda: | ||
| Average total assets | $158,337,500 | 3,860 |
| Average earning assets | $150,701,500 | 3,735 |
| Average equity | $13,675,500 | 4,407 |
| Average total loans | $128,275,500 | 3,406 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1821% | 4,604 |
| Cost of funding earning assets | 3.1798% | 1,253 |
| Net interest margin | 3.0023% | 6,912 |
| Noninterest income to average assets | 0.1250% | 7,491 |
| Noninterest expense to average assets | 2.8465% | 4,617 |
| Loan and lease loss provision to assets | 0.3485% | 3,612 |
| Net operating income to assets | -0.2187% | 6,639 |
| Return on assets (ROA) | -0.2128% | 6,479 |
| Pretax return on assets | -0.2189% | 6,385 |
| Return on Equity (ROE) | -2.3266% | 6,546 |
| Retained earnings to average equity (ytd only) | -2.3266% | 5,960 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8381% | 1,166 |
| Assets per employee ($millions) | 4.3749% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,570 |
| Loan loss allowance to noncurrent loans | 121.8549% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6914% | 5,151 |
| Noncurrent loans to loans | 0.8667% | 4,889 |
| Net loans and leases to total assets | 78.9318% | 1,905 |
| Net loans and leases to deposits | 97.1644% | 2,259 |
| Net loans and leases to core deposits | 128.9705% | 1,931 |
| Total domestic deposits to total assets | 81.2353% | 4,541 |
| Equity capital to assets | 8.6560% | 5,865 |
| Core capital (leverage) ratio | 8.6261% | 5,330 |
| Tier 1 risk-based capital ratio | 10.3764% | 6,339 |
| Total risk-based capital ratio | 11.4154% | 6,416 |
| Memoranda: | ||
| Average total assets | $148,043,000 | 3,937 |
| Average earning assets | $140,292,200 | 3,842 |
| Average equity | $13,539,000 | 4,440 |
| Average total loans | $113,461,600 | 3,599 |