Home > Liberty FSB > Performance and Condition Ratios
Liberty FSB, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,257 |
| Cost of funding earning assets | 0.5421% | 2,465 |
| Net interest margin | 4.1801% | 1,215 |
| Noninterest income to average assets | 0.1415% | 5,161 |
| Noninterest expense to average assets | 4.0604% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0000% | 5,387 |
| Return on assets (ROA) | 0.0000% | 5,384 |
| Pretax return on assets | 0.0000% | 5,388 |
| Return on Equity (ROE) | 0.0000% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,803 |
| Net charge-offs to loans | -0.7482% | 5,523 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 2.8844% | 5,229 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5311% | 244 |
| Loan loss allowance to noncurrent loans | 199.2795% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9414% | 1,679 |
| Noncurrent loans to loans | 1.2701% | 1,416 |
| Net loans and leases to total assets | 71.0154% | 2,324 |
| Net loans and leases to deposits | 77.8842% | 3,029 |
| Net loans and leases to core deposits | 81.9631% | 3,143 |
| Total domestic deposits to total assets | 91.1807% | 262 |
| Equity capital to assets | 1.8228% | 5,605 |
| Core capital (leverage) ratio | 4.8237% | 5,594 |
| Tier 1 risk-based capital ratio | 10.1787% | 5,453 |
| Total risk-based capital ratio | 11.4614% | 5,367 |
| Memoranda: | ||
| Average total assets | $76,346,500 | 4,631 |
| Average earning assets | $71,576,500 | 4,606 |
| Average equity | $1,437,500 | 5,581 |
| Average total loans | $55,065,500 | 4,325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3039% | 2,314 |
| Cost of funding earning assets | 0.4568% | 2,707 |
| Net interest margin | 3.8471% | 2,265 |
| Noninterest income to average assets | 0.3228% | 4,158 |
| Noninterest expense to average assets | 3.7403% | 748 |
| Loan and lease loss provision to assets | -0.1870% | 5,569 |
| Net operating income to assets | 0.3801% | 4,754 |
| Return on assets (ROA) | 0.3689% | 4,805 |
| Pretax return on assets | 0.3689% | 5,123 |
| Return on Equity (ROE) | 20.3408% | 185 |
| Retained earnings to average equity (ytd only) | 20.3408% | 40 |
| Net charge-offs to loans | -0.2718% | 5,555 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0887% | 268 |
| Assets per employee ($millions) | 2.8777% | 5,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 309 |
| Loan loss allowance to noncurrent loans | 68.7802% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 3.6114% | 181 |
| Noncurrent loans to loans | 3.3538% | 309 |
| Net loans and leases to total assets | 69.7701% | 2,554 |
| Net loans and leases to deposits | 74.3489% | 3,495 |
| Net loans and leases to core deposits | 78.8417% | 3,513 |
| Total domestic deposits to total assets | 93.8415% | 17 |
| Equity capital to assets | 1.9408% | 5,669 |
| Core capital (leverage) ratio | 4.6878% | 5,658 |
| Tier 1 risk-based capital ratio | 9.3784% | 5,612 |
| Total risk-based capital ratio | 10.6522% | 5,596 |
| Memoranda: | ||
| Average total assets | $80,234,600 | 4,588 |
| Average earning assets | $75,304,200 | 4,555 |
| Average equity | $1,455,200 | 5,645 |
| Average total loans | $55,183,000 | 4,320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2699% | 2,361 |
| Cost of funding earning assets | 0.4542% | 2,679 |
| Net interest margin | 3.8157% | 2,342 |
| Noninterest income to average assets | 0.3165% | 4,272 |
| Noninterest expense to average assets | 3.6206% | 844 |
| Loan and lease loss provision to assets | -0.1912% | 5,649 |
| Net operating income to assets | 0.4748% | 4,814 |
| Return on assets (ROA) | 0.4600% | 4,883 |
| Pretax return on assets | 0.4600% | 5,100 |
| Return on Equity (ROE) | 25.7968% | 63 |
| Retained earnings to average equity (ytd only) | 25.7968% | 23 |
| Net charge-offs to loans | -0.2807% | 5,598 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7365% | 322 |
| Assets per employee ($millions) | 2.9337% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2909% | 349 |
| Loan loss allowance to noncurrent loans | 44.0620% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 3.6826% | 198 |
| Noncurrent loans to loans | 5.1993% | 149 |
| Net loans and leases to total assets | 68.9210% | 2,707 |
| Net loans and leases to deposits | 71.6801% | 3,806 |
| Net loans and leases to core deposits | 76.1271% | 3,792 |
| Total domestic deposits to total assets | 96.1508% | 2 |
| Equity capital to assets | 1.9959% | 5,735 |
| Core capital (leverage) ratio | 4.6159% | 5,722 |
| Tier 1 risk-based capital ratio | 9.1243% | 5,696 |
| Total risk-based capital ratio | 10.3992% | 5,688 |
| Memoranda: | ||
| Average total assets | $80,868,750 | 4,616 |
| Average earning assets | $76,034,750 | 4,581 |
| Average equity | $1,442,000 | 5,712 |
| Average total loans | $55,106,250 | 4,360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 2,420 |
| Cost of funding earning assets | 0.4604% | 2,506 |
| Net interest margin | 3.7536% | 2,458 |
| Noninterest income to average assets | 0.2997% | 4,391 |
| Noninterest expense to average assets | 3.6337% | 836 |
| Loan and lease loss provision to assets | -0.0934% | 5,642 |
| Net operating income to assets | 0.2850% | 5,255 |
| Return on assets (ROA) | 0.2629% | 5,322 |
| Pretax return on assets | 0.2629% | 5,377 |
| Return on Equity (ROE) | 15.1738% | 633 |
| Retained earnings to average equity (ytd only) | 15.1738% | 132 |
| Net charge-offs to loans | -0.1386% | 5,507 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9904% | 282 |
| Assets per employee ($millions) | 2.6574% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2860% | 382 |
| Loan loss allowance to noncurrent loans | 44.8808% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 3.5925% | 217 |
| Noncurrent loans to loans | 5.0935% | 149 |
| Net loans and leases to total assets | 68.6306% | 2,718 |
| Net loans and leases to deposits | 70.2827% | 3,890 |
| Net loans and leases to core deposits | 74.2838% | 3,916 |
| Total domestic deposits to total assets | 97.6493% | 1 |
| Equity capital to assets | 1.8903% | 5,786 |
| Core capital (leverage) ratio | 4.3218% | 5,775 |
| Tier 1 risk-based capital ratio | 8.7112% | 5,757 |
| Total risk-based capital ratio | 9.9860% | 5,752 |
| Memoranda: | ||
| Average total assets | $81,405,000 | 4,638 |
| Average earning assets | $76,459,000 | 4,602 |
| Average equity | $1,410,330 | 5,765 |
| Average total loans | $54,850,670 | 4,391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6263% | 1,076 |
| Cost of funding earning assets | 0.4673% | 2,365 |
| Net interest margin | 4.1590% | 1,071 |
| Noninterest income to average assets | 0.2918% | 4,470 |
| Noninterest expense to average assets | 3.6670% | 812 |
| Loan and lease loss provision to assets | -0.1313% | 5,765 |
| Net operating income to assets | 0.6517% | 3,930 |
| Return on assets (ROA) | 0.6079% | 4,175 |
| Pretax return on assets | 0.6079% | 4,711 |
| Return on Equity (ROE) | 36.7107% | 26 |
| Retained earnings to average equity (ytd only) | 36.7107% | 16 |
| Net charge-offs to loans | -0.1990% | 5,621 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5726% | 689 |
| Assets per employee ($millions) | 2.7328% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3701% | 366 |
| Loan loss allowance to noncurrent loans | 29.3040% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 5.3425% | 101 |
| Noncurrent loans to loans | 8.0880% | 61 |
| Net loans and leases to total assets | 64.3125% | 3,228 |
| Net loans and leases to deposits | 65.6825% | 4,197 |
| Net loans and leases to core deposits | 69.2970% | 4,200 |
| Total domestic deposits to total assets | 97.9142% | 3 |
| Equity capital to assets | 1.7357% | 5,853 |
| Core capital (leverage) ratio | 4.2566% | 5,838 |
| Tier 1 risk-based capital ratio | 8.3906% | 5,823 |
| Total risk-based capital ratio | 9.6629% | 5,824 |
| Memoranda: | ||
| Average total assets | $82,247,000 | 4,668 |
| Average earning assets | $77,037,000 | 4,629 |
| Average equity | $1,362,000 | 5,832 |
| Average total loans | $54,279,500 | 4,445 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2952% | 5,166 |
| Cost of funding earning assets | 0.4844% | 2,213 |
| Net interest margin | 2.8108% | 5,272 |
| Noninterest income to average assets | 0.3627% | 4,150 |
| Noninterest expense to average assets | 3.4507% | 1,255 |
| Loan and lease loss provision to assets | -0.2883% | 5,837 |
| Net operating income to assets | -0.1842% | 5,711 |
| Return on assets (ROA) | -0.1831% | 5,726 |
| Pretax return on assets | -0.1831% | 5,715 |
| Return on Equity (ROE) | -9.1733% | 5,830 |
| Retained earnings to average equity (ytd only) | -9.1733% | 5,776 |
| Net charge-offs to loans | -0.4694% | 5,831 |
| Credit loss provision to net charge-offs | 105.0000% | 2,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.8663% | 96 |
| Assets per employee ($millions) | 2.7503% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3463% | 375 |
| Loan loss allowance to noncurrent loans | 25.8012% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 7.2391% | 62 |
| Noncurrent loans to loans | 9.0939% | 37 |
| Net loans and leases to total assets | 64.5655% | 3,280 |
| Net loans and leases to deposits | 65.8106% | 4,259 |
| Net loans and leases to core deposits | 69.3957% | 4,296 |
| Total domestic deposits to total assets | 98.1081% | 2 |
| Equity capital to assets | 1.5768% | 5,910 |
| Core capital (leverage) ratio | 3.9836% | 5,895 |
| Tier 1 risk-based capital ratio | 7.7673% | 5,882 |
| Total risk-based capital ratio | 9.0389% | 5,881 |
| Memoranda: | ||
| Average total assets | $87,403,000 | 4,599 |
| Average earning assets | $81,329,600 | 4,558 |
| Average equity | $1,744,200 | 5,867 |
| Average total loans | $51,129,600 | 4,548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2950% | 5,219 |
| Cost of funding earning assets | 0.4850% | 2,213 |
| Net interest margin | 2.8099% | 5,344 |
| Noninterest income to average assets | 0.3701% | 4,129 |
| Noninterest expense to average assets | 3.3804% | 1,384 |
| Loan and lease loss provision to assets | -0.3611% | 5,927 |
| Net operating income to assets | -0.0346% | 5,736 |
| Return on assets (ROA) | -0.0331% | 5,755 |
| Pretax return on assets | -0.0331% | 5,746 |
| Return on Equity (ROE) | -1.5811% | 5,803 |
| Retained earnings to average equity (ytd only) | -1.5811% | 5,561 |
| Net charge-offs to loans | -0.6073% | 5,900 |
| Credit loss provision to net charge-offs | 104.8035% | 2,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2560% | 109 |
| Assets per employee ($millions) | 2.8772% | 5,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3785% | 392 |
| Loan loss allowance to noncurrent loans | 25.6765% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 6.9523% | 78 |
| Noncurrent loans to loans | 9.2632% | 43 |
| Net loans and leases to total assets | 60.9115% | 3,752 |
| Net loans and leases to deposits | 62.2773% | 4,611 |
| Net loans and leases to core deposits | 65.5574% | 4,640 |
| Total domestic deposits to total assets | 97.8069% | 2 |
| Equity capital to assets | 1.8919% | 5,979 |
| Core capital (leverage) ratio | 4.0499% | 5,963 |
| Tier 1 risk-based capital ratio | 7.9079% | 5,943 |
| Total risk-based capital ratio | 9.1791% | 5,940 |
| Memoranda: | ||
| Average total assets | $88,626,250 | 4,608 |
| Average earning assets | $82,467,500 | 4,573 |
| Average equity | $1,855,000 | 5,922 |
| Average total loans | $50,273,750 | 4,602 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1009% | 5,542 |
| Cost of funding earning assets | 0.4883% | 2,204 |
| Net interest margin | 2.6125% | 5,655 |
| Noninterest income to average assets | 0.3641% | 4,156 |
| Noninterest expense to average assets | 3.2838% | 1,627 |
| Loan and lease loss provision to assets | -0.5361% | 6,025 |
| Net operating income to assets | 0.0424% | 5,731 |
| Return on assets (ROA) | 0.0424% | 5,763 |
| Pretax return on assets | 0.0424% | 5,765 |
| Return on Equity (ROE) | 1.7984% | 5,554 |
| Retained earnings to average equity (ytd only) | 1.7984% | 4,654 |
| Net charge-offs to loans | -0.9332% | 5,988 |
| Credit loss provision to net charge-offs | 104.8035% | 2,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6942% | 99 |
| Assets per employee ($millions) | 2.6604% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5237% | 355 |
| Loan loss allowance to noncurrent loans | 25.6098% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 6.8764% | 83 |
| Noncurrent loans to loans | 9.8546% | 40 |
| Net loans and leases to total assets | 56.3564% | 4,265 |
| Net loans and leases to deposits | 57.8963% | 4,907 |
| Net loans and leases to core deposits | 60.9045% | 4,941 |
| Total domestic deposits to total assets | 97.3403% | 4 |
| Equity capital to assets | 2.5093% | 6,052 |
| Core capital (leverage) ratio | 4.0718% | 6,039 |
| Tier 1 risk-based capital ratio | 8.0234% | 6,020 |
| Total risk-based capital ratio | 9.2933% | 6,018 |
| Memoranda: | ||
| Average total assets | $89,529,670 | 4,623 |
| Average earning assets | $83,137,330 | 4,604 |
| Average equity | $2,113,000 | 5,975 |
| Average total loans | $49,079,000 | 4,676 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7067% | 5,904 |
| Cost of funding earning assets | 0.5004% | 2,101 |
| Net interest margin | 2.2064% | 5,962 |
| Noninterest income to average assets | 0.3584% | 4,157 |
| Noninterest expense to average assets | 3.2302% | 1,763 |
| Loan and lease loss provision to assets | -1.0531% | 6,106 |
| Net operating income to assets | 0.2301% | 5,477 |
| Return on assets (ROA) | 0.2301% | 5,537 |
| Pretax return on assets | 0.2301% | 5,608 |
| Return on Equity (ROE) | 10.0580% | 1,959 |
| Retained earnings to average equity (ytd only) | 10.0580% | 835 |
| Net charge-offs to loans | -1.8823% | 6,062 |
| Credit loss provision to net charge-offs | 104.8458% | 1,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.1912% | 63 |
| Assets per employee ($millions) | 2.8867% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6232% | 339 |
| Loan loss allowance to noncurrent loans | 25.1324% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 6.8522% | 91 |
| Noncurrent loans to loans | 10.4374% | 38 |
| Net loans and leases to total assets | 53.1384% | 4,525 |
| Net loans and leases to deposits | 54.4876% | 5,074 |
| Net loans and leases to core deposits | 57.4617% | 5,074 |
| Total domestic deposits to total assets | 97.5237% | 4 |
| Equity capital to assets | 2.3802% | 6,111 |
| Core capital (leverage) ratio | 4.0444% | 6,097 |
| Tier 1 risk-based capital ratio | 8.0329% | 6,078 |
| Total risk-based capital ratio | 9.3039% | 6,077 |
| Memoranda: | ||
| Average total assets | $90,398,000 | 4,651 |
| Average earning assets | $83,939,000 | 4,624 |
| Average equity | $2,068,000 | 6,037 |
| Average total loans | $48,239,500 | 4,729 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6734% | 5,942 |
| Cost of funding earning assets | 0.5504% | 1,751 |
| Net interest margin | 2.1229% | 6,018 |
| Noninterest income to average assets | 0.5036% | 3,305 |
| Noninterest expense to average assets | 3.3227% | 1,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.8479% | 6,092 |
| Return on assets (ROA) | -0.8479% | 6,093 |
| Pretax return on assets | -0.8479% | 6,084 |
| Return on Equity (ROE) | -29.6307% | 6,151 |
| Retained earnings to average equity (ytd only) | -29.6307% | 6,143 |
| Net charge-offs to loans | -0.0131% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2609% | 57 |
| Assets per employee ($millions) | 3.1485% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7117% | 311 |
| Loan loss allowance to noncurrent loans | 30.6524% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 5.8714% | 142 |
| Noncurrent loans to loans | 8.8467% | 60 |
| Net loans and leases to total assets | 50.7661% | 4,801 |
| Net loans and leases to deposits | 51.9466% | 5,289 |
| Net loans and leases to core deposits | 54.8758% | 5,262 |
| Total domestic deposits to total assets | 97.7274% | 2 |
| Equity capital to assets | 2.1970% | 6,177 |
| Core capital (leverage) ratio | 3.8842% | 6,159 |
| Tier 1 risk-based capital ratio | 8.0015% | 6,134 |
| Total risk-based capital ratio | 9.2729% | 6,134 |
| Memoranda: | ||
| Average total assets | $92,936,000 | 4,605 |
| Average earning assets | $86,296,200 | 4,582 |
| Average equity | $2,659,400 | 6,036 |
| Average total loans | $45,836,200 | 4,799 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6321% | 6,041 |
| Cost of funding earning assets | 0.5553% | 1,759 |
| Net interest margin | 2.0768% | 6,111 |
| Noninterest income to average assets | 0.5514% | 3,045 |
| Noninterest expense to average assets | 3.2524% | 1,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.7728% | 6,173 |
| Return on assets (ROA) | -0.7728% | 6,173 |
| Pretax return on assets | -0.7728% | 6,165 |
| Return on Equity (ROE) | -25.5538% | 6,235 |
| Retained earnings to average equity (ytd only) | -25.5538% | 6,223 |
| Net charge-offs to loans | -0.0147% | 5,102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1636% | 70 |
| Assets per employee ($millions) | 2.6530% | 5,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7946% | 304 |
| Loan loss allowance to noncurrent loans | 30.2625% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 5.8284% | 145 |
| Noncurrent loans to loans | 9.2346% | 48 |
| Net loans and leases to total assets | 48.3598% | 5,057 |
| Net loans and leases to deposits | 49.6495% | 5,489 |
| Net loans and leases to core deposits | 52.5641% | 5,477 |
| Total domestic deposits to total assets | 97.4024% | 3 |
| Equity capital to assets | 2.4963% | 6,263 |
| Core capital (leverage) ratio | 4.1247% | 6,242 |
| Tier 1 risk-based capital ratio | 8.4326% | 6,212 |
| Total risk-based capital ratio | 9.7018% | 6,212 |
| Memoranda: | ||
| Average total assets | $93,343,250 | 4,644 |
| Average earning assets | $86,670,500 | 4,616 |
| Average equity | $2,822,750 | 6,104 |
| Average total loans | $45,384,000 | 4,864 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6184% | 6,109 |
| Cost of funding earning assets | 0.5624% | 1,707 |
| Net interest margin | 2.0560% | 6,194 |
| Noninterest income to average assets | 0.6010% | 2,735 |
| Noninterest expense to average assets | 3.2426% | 1,860 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.7336% | 6,229 |
| Return on assets (ROA) | -0.7336% | 6,233 |
| Pretax return on assets | -0.7336% | 6,223 |
| Return on Equity (ROE) | -22.9355% | 6,303 |
| Retained earnings to average equity (ytd only) | -22.9355% | 6,279 |
| Net charge-offs to loans | -0.0089% | 4,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.2413% | 80 |
| Assets per employee ($millions) | 3.1984% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8878% | 303 |
| Loan loss allowance to noncurrent loans | 29.7528% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 6.0924% | 155 |
| Noncurrent loans to loans | 9.7061% | 56 |
| Net loans and leases to total assets | 46.6961% | 5,199 |
| Net loans and leases to deposits | 48.2209% | 5,584 |
| Net loans and leases to core deposits | 51.0682% | 5,574 |
| Total domestic deposits to total assets | 96.8379% | 3 |
| Equity capital to assets | 3.0306% | 6,331 |
| Core capital (leverage) ratio | 4.3223% | 6,313 |
| Tier 1 risk-based capital ratio | 8.9843% | 6,259 |
| Total risk-based capital ratio | 10.2545% | 6,237 |
| Memoranda: | ||
| Average total assets | $93,505,670 | 4,689 |
| Average earning assets | $86,771,670 | 4,660 |
| Average equity | $2,991,000 | 6,150 |
| Average total loans | $45,113,330 | 4,914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5307% | 6,210 |
| Cost of funding earning assets | 0.5685% | 1,673 |
| Net interest margin | 1.9622% | 6,286 |
| Noninterest income to average assets | 0.3622% | 4,313 |
| Noninterest expense to average assets | 3.1742% | 2,052 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.9885% | 6,318 |
| Return on assets (ROA) | -0.9885% | 6,323 |
| Pretax return on assets | -0.9885% | 6,310 |
| Return on Equity (ROE) | -30.1201% | 6,382 |
| Retained earnings to average equity (ytd only) | -30.1201% | 6,342 |
| Net charge-offs to loans | -0.0088% | 4,672 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.2242% | 55 |
| Assets per employee ($millions) | 3.0147% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8676% | 338 |
| Loan loss allowance to noncurrent loans | 29.5998% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 6.1494% | 165 |
| Noncurrent loans to loans | 9.6881% | 66 |
| Net loans and leases to total assets | 46.6450% | 5,147 |
| Net loans and leases to deposits | 48.2186% | 5,555 |
| Net loans and leases to core deposits | 51.1307% | 5,534 |
| Total domestic deposits to total assets | 96.7365% | 4 |
| Equity capital to assets | 3.1737% | 6,404 |
| Core capital (leverage) ratio | 4.3877% | 6,385 |
| Tier 1 risk-based capital ratio | 9.4576% | 6,278 |
| Total risk-based capital ratio | 10.7281% | 6,255 |
| Memoranda: | ||
| Average total assets | $93,881,000 | 4,722 |
| Average earning assets | $87,247,500 | 4,687 |
| Average equity | $3,081,000 | 6,199 |
| Average total loans | $45,369,500 | 4,939 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1100% | 5,945 |
| Cost of funding earning assets | 0.6127% | 1,654 |
| Net interest margin | 2.4973% | 6,160 |
| Noninterest income to average assets | 0.6670% | 2,468 |
| Noninterest expense to average assets | 3.5421% | 1,401 |
| Loan and lease loss provision to assets | -0.3483% | 6,397 |
| Net operating income to assets | -0.2165% | 6,212 |
| Return on assets (ROA) | -0.2165% | 6,211 |
| Pretax return on assets | -0.2165% | 6,202 |
| Return on Equity (ROE) | -5.8041% | 6,308 |
| Retained earnings to average equity (ytd only) | -5.8041% | 6,214 |
| Net charge-offs to loans | -0.5161% | 6,396 |
| Credit loss provision to net charge-offs | 134.7826% | 1,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9708% | 135 |
| Assets per employee ($millions) | 2.9470% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8042% | 373 |
| Loan loss allowance to noncurrent loans | 37.4818% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 5.2648% | 248 |
| Noncurrent loans to loans | 7.4816% | 127 |
| Net loans and leases to total assets | 47.2647% | 5,224 |
| Net loans and leases to deposits | 48.9711% | 5,635 |
| Net loans and leases to core deposits | 51.9063% | 5,620 |
| Total domestic deposits to total assets | 96.5156% | 7 |
| Equity capital to assets | 3.3890% | 6,487 |
| Core capital (leverage) ratio | 4.5872% | 6,469 |
| Tier 1 risk-based capital ratio | 10.1169% | 6,225 |
| Total risk-based capital ratio | 11.3891% | 6,169 |
| Memoranda: | ||
| Average total assets | $97,907,600 | 4,649 |
| Average earning assets | $90,578,600 | 4,638 |
| Average equity | $3,652,600 | 6,155 |
| Average total loans | $49,017,800 | 4,855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1705% | 5,934 |
| Cost of funding earning assets | 0.6145% | 1,723 |
| Net interest margin | 2.5560% | 6,179 |
| Noninterest income to average assets | 0.6855% | 2,403 |
| Noninterest expense to average assets | 3.5124% | 1,439 |
| Loan and lease loss provision to assets | -0.4601% | 6,525 |
| Net operating income to assets | -0.0040% | 6,146 |
| Return on assets (ROA) | -0.0040% | 6,159 |
| Pretax return on assets | -0.0040% | 6,150 |
| Return on Equity (ROE) | -0.1062% | 6,165 |
| Retained earnings to average equity (ytd only) | -0.1062% | 5,812 |
| Net charge-offs to loans | -0.6719% | 6,486 |
| Credit loss provision to net charge-offs | 135.8566% | 1,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2280% | 168 |
| Assets per employee ($millions) | 2.9252% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7846% | 446 |
| Loan loss allowance to noncurrent loans | 35.7561% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 5.7649% | 248 |
| Noncurrent loans to loans | 7.7877% | 128 |
| Net loans and leases to total assets | 46.4375% | 5,334 |
| Net loans and leases to deposits | 48.2260% | 5,753 |
| Net loans and leases to core deposits | 51.0814% | 5,738 |
| Total domestic deposits to total assets | 96.2914% | 12 |
| Equity capital to assets | 3.5802% | 6,558 |
| Core capital (leverage) ratio | 4.6969% | 6,538 |
| Tier 1 risk-based capital ratio | 10.3525% | 6,252 |
| Total risk-based capital ratio | 11.6243% | 6,205 |
| Memoranda: | ||
| Average total assets | $98,808,250 | 4,671 |
| Average earning assets | $91,339,750 | 4,661 |
| Average equity | $3,766,750 | 6,205 |
| Average total loans | $49,807,500 | 4,872 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 5,902 |
| Cost of funding earning assets | 0.6172% | 1,757 |
| Net interest margin | 2.6167% | 6,151 |
| Noninterest income to average assets | 0.7593% | 2,008 |
| Noninterest expense to average assets | 3.4550% | 1,564 |
| Loan and lease loss provision to assets | -0.6850% | 6,615 |
| Net operating income to assets | 0.4078% | 5,191 |
| Return on assets (ROA) | 0.4078% | 5,274 |
| Pretax return on assets | 0.4078% | 5,538 |
| Return on Equity (ROE) | 10.4901% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.4901% | 617 |
| Net charge-offs to loans | -0.9796% | 6,573 |
| Credit loss provision to net charge-offs | 136.4000% | 1,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7231% | 251 |
| Assets per employee ($millions) | 3.0976% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6525% | 570 |
| Loan loss allowance to noncurrent loans | 35.6785% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 5.7111% | 283 |
| Noncurrent loans to loans | 7.4344% | 155 |
| Net loans and leases to total assets | 47.5036% | 5,218 |
| Net loans and leases to deposits | 49.5319% | 5,667 |
| Net loans and leases to core deposits | 52.2457% | 5,654 |
| Total domestic deposits to total assets | 95.9051% | 19 |
| Equity capital to assets | 3.9234% | 6,617 |
| Core capital (leverage) ratio | 4.7668% | 6,593 |
| Tier 1 risk-based capital ratio | 10.3621% | 6,294 |
| Total risk-based capital ratio | 11.6318% | 6,245 |
| Memoranda: | ||
| Average total assets | $99,567,000 | 4,694 |
| Average earning assets | $92,023,000 | 4,679 |
| Average equity | $3,870,330 | 6,228 |
| Average total loans | $51,039,670 | 4,857 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 5,558 |
| Cost of funding earning assets | 0.6393% | 1,654 |
| Net interest margin | 2.8009% | 5,931 |
| Noninterest income to average assets | 0.4690% | 3,637 |
| Noninterest expense to average assets | 3.3631% | 1,801 |
| Loan and lease loss provision to assets | -1.3669% | 6,715 |
| Net operating income to assets | 1.0542% | 1,993 |
| Return on assets (ROA) | 1.0542% | 2,061 |
| Pretax return on assets | 1.0542% | 3,117 |
| Return on Equity (ROE) | 27.2468% | 92 |
| Retained earnings to average equity (ytd only) | 27.2468% | 46 |
| Net charge-offs to loans | -2.1003% | 6,663 |
| Credit loss provision to net charge-offs | 124.0000% | 1,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2497% | 260 |
| Assets per employee ($millions) | 3.3269% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5537% | 764 |
| Loan loss allowance to noncurrent loans | 46.6310% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 4.7341% | 452 |
| Noncurrent loans to loans | 5.4765% | 364 |
| Net loans and leases to total assets | 50.0070% | 4,910 |
| Net loans and leases to deposits | 52.7517% | 5,406 |
| Net loans and leases to core deposits | 55.4980% | 5,390 |
| Total domestic deposits to total assets | 94.7970% | 39 |
| Equity capital to assets | 4.0047% | 6,674 |
| Core capital (leverage) ratio | 4.7567% | 6,652 |
| Tier 1 risk-based capital ratio | 10.0608% | 6,459 |
| Total risk-based capital ratio | 11.3286% | 6,423 |
| Memoranda: | ||
| Average total assets | $99,789,000 | 4,743 |
| Average earning assets | $91,971,500 | 4,727 |
| Average equity | $3,861,000 | 6,279 |
| Average total loans | $52,374,500 | 4,848 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 5,647 |
| Cost of funding earning assets | 0.8220% | 1,084 |
| Net interest margin | 2.6774% | 6,169 |
| Noninterest income to average assets | 0.7652% | 2,235 |
| Noninterest expense to average assets | 3.4858% | 1,689 |
| Loan and lease loss provision to assets | -0.8294% | 6,788 |
| Net operating income to assets | 0.5243% | 4,620 |
| Return on assets (ROA) | 0.5243% | 4,745 |
| Pretax return on assets | 0.5243% | 5,127 |
| Return on Equity (ROE) | 15.1706% | 733 |
| Retained earnings to average equity (ytd only) | 15.1706% | 163 |
| Net charge-offs to loans | -0.3819% | 6,701 |
| Credit loss provision to net charge-offs | 385.0877% | 590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5931% | 278 |
| Assets per employee ($millions) | 3.2184% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5668% | 758 |
| Loan loss allowance to noncurrent loans | 32.2233% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 6.1993% | 302 |
| Noncurrent loans to loans | 7.9656% | 191 |
| Net loans and leases to total assets | 52.2762% | 4,812 |
| Net loans and leases to deposits | 54.4966% | 5,430 |
| Net loans and leases to core deposits | 57.2954% | 5,441 |
| Total domestic deposits to total assets | 95.9256% | 28 |
| Equity capital to assets | 3.7336% | 6,748 |
| Core capital (leverage) ratio | 4.4965% | 6,731 |
| Tier 1 risk-based capital ratio | 9.1525% | 6,646 |
| Total risk-based capital ratio | 10.4216% | 6,627 |
| Memoranda: | ||
| Average total assets | $105,858,600 | 4,594 |
| Average earning assets | $95,503,400 | 4,633 |
| Average equity | $3,658,400 | 6,399 |
| Average total loans | $59,700,000 | 4,618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 5,646 |
| Cost of funding earning assets | 0.8571% | 1,009 |
| Net interest margin | 2.6599% | 6,238 |
| Noninterest income to average assets | 0.8890% | 1,794 |
| Noninterest expense to average assets | 3.4791% | 1,655 |
| Loan and lease loss provision to assets | -0.9660% | 6,872 |
| Net operating income to assets | 0.7649% | 3,531 |
| Return on assets (ROA) | 0.7649% | 3,661 |
| Pretax return on assets | 0.7649% | 4,440 |
| Return on Equity (ROE) | 22.5526% | 186 |
| Retained earnings to average equity (ytd only) | 22.5526% | 61 |
| Net charge-offs to loans | -1.1147% | 6,837 |
| Credit loss provision to net charge-offs | 151.9531% | 1,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1364% | 327 |
| Assets per employee ($millions) | 3.1287% | 5,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0316% | 534 |
| Loan loss allowance to noncurrent loans | 33.4348% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 6.9513% | 299 |
| Noncurrent loans to loans | 9.0672% | 169 |
| Net loans and leases to total assets | 54.4316% | 4,536 |
| Net loans and leases to deposits | 57.0606% | 5,272 |
| Net loans and leases to core deposits | 59.8990% | 5,309 |
| Total domestic deposits to total assets | 95.3926% | 33 |
| Equity capital to assets | 3.6824% | 6,827 |
| Core capital (leverage) ratio | 4.4055% | 6,810 |
| Tier 1 risk-based capital ratio | 8.6529% | 6,743 |
| Total risk-based capital ratio | 9.9292% | 6,742 |
| Memoranda: | ||
| Average total assets | $107,380,750 | 4,607 |
| Average earning assets | $96,443,750 | 4,659 |
| Average equity | $3,641,750 | 6,483 |
| Average total loans | $61,242,500 | 4,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 5,333 |
| Cost of funding earning assets | 0.8940% | 925 |
| Net interest margin | 2.7420% | 6,112 |
| Noninterest income to average assets | 0.8238% | 2,095 |
| Noninterest expense to average assets | 3.2237% | 2,294 |
| Loan and lease loss provision to assets | -0.8367% | 6,908 |
| Net operating income to assets | 0.8790% | 2,912 |
| Return on assets (ROA) | 0.8790% | 3,057 |
| Pretax return on assets | 0.8790% | 3,988 |
| Return on Equity (ROE) | 26.6419% | 102 |
| Retained earnings to average equity (ytd only) | 26.6419% | 46 |
| Net charge-offs to loans | -1.2095% | 6,877 |
| Credit loss provision to net charge-offs | 120.6897% | 1,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7793% | 907 |
| Assets per employee ($millions) | 3.6529% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2616% | 454 |
| Loan loss allowance to noncurrent loans | 47.1072% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 7.1951% | 326 |
| Noncurrent loans to loans | 6.9238% | 355 |
| Net loans and leases to total assets | 54.4854% | 4,522 |
| Net loans and leases to deposits | 57.0009% | 5,246 |
| Net loans and leases to core deposits | 59.5651% | 5,297 |
| Total domestic deposits to total assets | 95.5868% | 31 |
| Equity capital to assets | 3.4748% | 6,880 |
| Core capital (leverage) ratio | 4.2100% | 6,871 |
| Tier 1 risk-based capital ratio | 8.0798% | 6,801 |
| Total risk-based capital ratio | 9.3581% | 6,803 |
| Memoranda: | ||
| Average total assets | $108,758,670 | 4,587 |
| Average earning assets | $96,863,000 | 4,676 |
| Average equity | $3,588,330 | 6,543 |
| Average total loans | $62,338,000 | 4,590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5418% | 5,601 |
| Cost of funding earning assets | 0.9306% | 846 |
| Net interest margin | 2.6113% | 6,355 |
| Noninterest income to average assets | 1.3942% | 791 |
| Noninterest expense to average assets | 3.2785% | 2,132 |
| Loan and lease loss provision to assets | -0.9258% | 6,992 |
| Net operating income to assets | 1.3543% | 1,144 |
| Return on assets (ROA) | 1.3543% | 1,234 |
| Pretax return on assets | 1.3543% | 2,024 |
| Return on Equity (ROE) | 42.1231% | 36 |
| Retained earnings to average equity (ytd only) | 42.1231% | 22 |
| Net charge-offs to loans | -2.3557% | 6,958 |
| Credit loss provision to net charge-offs | 68.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7003% | 1,551 |
| Assets per employee ($millions) | 3.5078% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4268% | 446 |
| Loan loss allowance to noncurrent loans | 37.8397% | 5,697 |
| Noncurrent assets plus other real estate owned to assets | 9.3599% | 225 |
| Noncurrent loans to loans | 9.0560% | 263 |
| Net loans and leases to total assets | 55.5651% | 4,161 |
| Net loans and leases to deposits | 58.0568% | 5,023 |
| Net loans and leases to core deposits | 60.7531% | 5,071 |
| Total domestic deposits to total assets | 95.7082% | 31 |
| Equity capital to assets | 3.4118% | 6,960 |
| Core capital (leverage) ratio | 4.0111% | 6,936 |
| Tier 1 risk-based capital ratio | 7.4764% | 6,879 |
| Total risk-based capital ratio | 8.7556% | 6,879 |
| Memoranda: | ||
| Average total assets | $110,171,500 | 4,611 |
| Average earning assets | $97,576,500 | 4,700 |
| Average equity | $3,542,000 | 6,621 |
| Average total loans | $63,675,000 | 4,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0218% | 5,234 |
| Cost of funding earning assets | 1.3059% | 364 |
| Net interest margin | 2.7159% | 6,495 |
| Noninterest income to average assets | 0.0658% | 6,634 |
| Noninterest expense to average assets | 3.2594% | 2,453 |
| Loan and lease loss provision to assets | 0.0709% | 4,852 |
| Net operating income to assets | -1.0164% | 6,749 |
| Return on assets (ROA) | -1.0164% | 6,767 |
| Pretax return on assets | -0.9961% | 6,733 |
| Return on Equity (ROE) | -32.6252% | 6,963 |
| Retained earnings to average equity (ytd only) | -32.6252% | 6,947 |
| Net charge-offs to loans | 1.8169% | 444 |
| Credit loss provision to net charge-offs | 6.0388% | 5,432 |
| Earnings coverage of net charge-offs (x) | -0.7879% | 5,730 |
| Efficiency ratio | 139.6383% | 121 |
| Assets per employee ($millions) | 3.7201% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1242% | 589 |
| Loan loss allowance to noncurrent loans | 32.7720% | 5,948 |
| Noncurrent assets plus other real estate owned to assets | 11.2704% | 170 |
| Noncurrent loans to loans | 9.5332% | 261 |
| Net loans and leases to total assets | 56.2356% | 4,247 |
| Net loans and leases to deposits | 58.5541% | 5,176 |
| Net loans and leases to core deposits | 61.3532% | 5,228 |
| Total domestic deposits to total assets | 96.0404% | 26 |
| Equity capital to assets | 3.0232% | 7,038 |
| Core capital (leverage) ratio | 3.5788% | 7,012 |
| Tier 1 risk-based capital ratio | 6.4599% | 6,975 |
| Total risk-based capital ratio | 7.7351% | 6,977 |
| Memoranda: | ||
| Average total assets | $118,456,200 | 4,392 |
| Average earning assets | $98,935,600 | 4,617 |
| Average equity | $3,690,400 | 6,638 |
| Average total loans | $76,560,400 | 4,136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 4,953 |
| Cost of funding earning assets | 1.3840% | 312 |
| Net interest margin | 2.7748% | 6,541 |
| Noninterest income to average assets | -0.2641% | 7,089 |
| Noninterest expense to average assets | 3.3485% | 2,136 |
| Loan and lease loss provision to assets | 0.2053% | 3,021 |
| Net operating income to assets | -1.5533% | 6,977 |
| Return on assets (ROA) | -1.5533% | 6,989 |
| Pretax return on assets | -1.5267% | 6,960 |
| Return on Equity (ROE) | -49.5190% | 7,120 |
| Retained earnings to average equity (ytd only) | -49.5190% | 7,115 |
| Net charge-offs to loans | 2.4082% | 262 |
| Credit loss provision to net charge-offs | 12.8830% | 5,044 |
| Earnings coverage of net charge-offs (x) | -0.8294% | 5,557 |
| Efficiency ratio | 165.1888% | 69 |
| Assets per employee ($millions) | 3.7282% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8872% | 812 |
| Loan loss allowance to noncurrent loans | 30.2810% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 13.2927% | 122 |
| Noncurrent loans to loans | 9.5347% | 275 |
| Net loans and leases to total assets | 60.5339% | 3,668 |
| Net loans and leases to deposits | 62.9194% | 4,856 |
| Net loans and leases to core deposits | 65.8063% | 4,972 |
| Total domestic deposits to total assets | 96.2085% | 27 |
| Equity capital to assets | 2.7385% | 7,142 |
| Core capital (leverage) ratio | 3.2866% | 7,118 |
| Tier 1 risk-based capital ratio | 5.3539% | 7,106 |
| Total risk-based capital ratio | 6.6251% | 7,107 |
| Memoranda: | ||
| Average total assets | $120,169,750 | 4,397 |
| Average earning assets | $99,224,500 | 4,659 |
| Average equity | $3,769,500 | 6,699 |
| Average total loans | $79,504,500 | 4,095 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 4,644 |
| Cost of funding earning assets | 1.4659% | 270 |
| Net interest margin | 2.8148% | 6,551 |
| Noninterest income to average assets | -0.6853% | 7,201 |
| Noninterest expense to average assets | 3.3607% | 2,126 |
| Loan and lease loss provision to assets | 0.3583% | 1,847 |
| Net operating income to assets | -2.1495% | 7,088 |
| Return on assets (ROA) | -2.1495% | 7,097 |
| Pretax return on assets | -2.1101% | 7,081 |
| Return on Equity (ROE) | -65.8776% | 7,191 |
| Retained earnings to average equity (ytd only) | -65.8776% | 7,185 |
| Net charge-offs to loans | 3.5003% | 148 |
| Credit loss provision to net charge-offs | 15.1916% | 4,678 |
| Earnings coverage of net charge-offs (x) | -0.7429% | 5,275 |
| Efficiency ratio | 208.8866% | 37 |
| Assets per employee ($millions) | 3.8140% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6956% | 1,040 |
| Loan loss allowance to noncurrent loans | 27.7355% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 14.6276% | 106 |
| Noncurrent loans to loans | 9.7191% | 285 |
| Net loans and leases to total assets | 64.5401% | 2,922 |
| Net loans and leases to deposits | 67.0230% | 4,359 |
| Net loans and leases to core deposits | 69.8871% | 4,541 |
| Total domestic deposits to total assets | 96.2955% | 29 |
| Equity capital to assets | 2.6693% | 7,193 |
| Core capital (leverage) ratio | 3.2876% | 7,162 |
| Tier 1 risk-based capital ratio | 5.1446% | 7,160 |
| Total risk-based capital ratio | 6.4136% | 7,160 |
| Memoranda: | ||
| Average total assets | $121,701,330 | 4,386 |
| Average earning assets | $99,191,330 | 4,685 |
| Average equity | $3,971,000 | 6,687 |
| Average total loans | $81,992,000 | 4,039 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 4,935 |
| Cost of funding earning assets | 1.5686% | 214 |
| Net interest margin | 2.6792% | 6,798 |
| Noninterest income to average assets | -2.3689% | 7,300 |
| Noninterest expense to average assets | 3.2762% | 2,368 |
| Loan and lease loss provision to assets | 0.5995% | 959 |
| Net operating income to assets | -4.1026% | 7,258 |
| Return on assets (ROA) | -4.1026% | 7,258 |
| Pretax return on assets | -4.1026% | 7,252 |
| Return on Equity (ROE) | -115.6560% | 7,272 |
| Retained earnings to average equity (ytd only) | -115.6560% | 7,268 |
| Net charge-offs to loans | 6.8468% | 49 |
| Credit loss provision to net charge-offs | 12.9010% | 3,866 |
| Earnings coverage of net charge-offs (x) | -0.7538% | 4,537 |
| Efficiency ratio | -1,444.2857% | 7,304 |
| Assets per employee ($millions) | 3.4525% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6042% | 1,215 |
| Loan loss allowance to noncurrent loans | 33.0057% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 14.6865% | 109 |
| Noncurrent loans to loans | 7.8901% | 496 |
| Net loans and leases to total assets | 64.4378% | 2,776 |
| Net loans and leases to deposits | 66.7610% | 4,269 |
| Net loans and leases to core deposits | 69.5350% | 4,494 |
| Total domestic deposits to total assets | 96.5202% | 29 |
| Equity capital to assets | 3.0992% | 7,232 |
| Core capital (leverage) ratio | 3.2713% | 7,221 |
| Tier 1 risk-based capital ratio | 4.9847% | 7,215 |
| Total risk-based capital ratio | 6.2520% | 7,217 |
| Memoranda: | ||
| Average total assets | $123,434,500 | 4,368 |
| Average earning assets | $98,688,000 | 4,721 |
| Average equity | $4,378,500 | 6,613 |
| Average total loans | $83,776,500 | 4,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2017% | 2,050 |
| Cost of funding earning assets | 2.0403% | 81 |
| Net interest margin | 3.1614% | 6,187 |
| Noninterest income to average assets | 0.1473% | 6,410 |
| Noninterest expense to average assets | 3.1663% | 2,980 |
| Loan and lease loss provision to assets | -0.6870% | 7,340 |
| Net operating income to assets | -0.0008% | 6,040 |
| Return on assets (ROA) | -0.0008% | 6,164 |
| Pretax return on assets | -0.0008% | 6,129 |
| Return on Equity (ROE) | -0.0189% | 6,164 |
| Retained earnings to average equity (ytd only) | -0.0189% | 5,845 |
| Net charge-offs to loans | -0.2016% | 7,211 |
| Credit loss provision to net charge-offs | 473.6842% | 476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7487% | 246 |
| Assets per employee ($millions) | 3.3166% | 5,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 1,728 |
| Loan loss allowance to noncurrent loans | 64.7195% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 12.1828% | 200 |
| Noncurrent loans to loans | 3.4587% | 1,858 |
| Net loans and leases to total assets | 67.9552% | 2,402 |
| Net loans and leases to deposits | 71.2696% | 3,905 |
| Net loans and leases to core deposits | 74.1301% | 4,223 |
| Total domestic deposits to total assets | 95.3495% | 51 |
| Equity capital to assets | 3.9768% | 7,226 |
| Core capital (leverage) ratio | 4.1419% | 7,201 |
| Tier 1 risk-based capital ratio | 6.1514% | 7,200 |
| Total risk-based capital ratio | 7.4140% | 7,198 |
| Memoranda: | ||
| Average total assets | $131,004,200 | 4,146 |
| Average earning assets | $96,602,400 | 4,728 |
| Average equity | $5,289,800 | 6,352 |
| Average total loans | $94,244,800 | 3,761 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 1,932 |
| Cost of funding earning assets | 2.1213% | 74 |
| Net interest margin | 3.1619% | 6,254 |
| Noninterest income to average assets | 0.1885% | 6,254 |
| Noninterest expense to average assets | 3.1344% | 3,040 |
| Loan and lease loss provision to assets | -0.6342% | 7,418 |
| Net operating income to assets | -0.0020% | 6,157 |
| Return on assets (ROA) | -0.0020% | 6,258 |
| Pretax return on assets | -0.0020% | 6,233 |
| Return on Equity (ROE) | -0.0498% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.0498% | 5,968 |
| Net charge-offs to loans | -0.3378% | 7,315 |
| Credit loss provision to net charge-offs | 258.8477% | 1,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.4641% | 259 |
| Assets per employee ($millions) | 3.1853% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6527% | 1,200 |
| Loan loss allowance to noncurrent loans | 220.2058% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 10.1433% | 348 |
| Noncurrent loans to loans | 1.2047% | 4,528 |
| Net loans and leases to total assets | 66.1457% | 2,870 |
| Net loans and leases to deposits | 69.3605% | 4,410 |
| Net loans and leases to core deposits | 72.0337% | 4,712 |
| Total domestic deposits to total assets | 95.3652% | 48 |
| Equity capital to assets | 3.8339% | 7,332 |
| Core capital (leverage) ratio | 3.9976% | 7,305 |
| Tier 1 risk-based capital ratio | 6.1354% | 7,292 |
| Total risk-based capital ratio | 7.4038% | 7,293 |
| Memoranda: | ||
| Average total assets | $132,247,750 | 4,147 |
| Average earning assets | $96,606,000 | 4,755 |
| Average equity | $5,359,250 | 6,383 |
| Average total loans | $95,904,750 | 3,760 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 2,045 |
| Cost of funding earning assets | 2.1672% | 78 |
| Net interest margin | 3.0888% | 6,429 |
| Noninterest income to average assets | 0.1837% | 6,346 |
| Noninterest expense to average assets | 3.1778% | 2,979 |
| Loan and lease loss provision to assets | -0.7590% | 7,492 |
| Net operating income to assets | 0.0617% | 6,090 |
| Return on assets (ROA) | 0.0617% | 6,174 |
| Pretax return on assets | 0.0617% | 6,167 |
| Return on Equity (ROE) | 1.4973% | 5,938 |
| Retained earnings to average equity (ytd only) | 1.4973% | 5,233 |
| Net charge-offs to loans | -0.4008% | 7,376 |
| Credit loss provision to net charge-offs | 255.8376% | 1,183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1117% | 269 |
| Assets per employee ($millions) | 3.1068% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 1,344 |
| Loan loss allowance to noncurrent loans | 116.7869% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 10.6182% | 346 |
| Noncurrent loans to loans | 2.1994% | 3,225 |
| Net loans and leases to total assets | 68.9390% | 2,429 |
| Net loans and leases to deposits | 72.2664% | 4,073 |
| Net loans and leases to core deposits | 74.9432% | 4,447 |
| Total domestic deposits to total assets | 95.3957% | 42 |
| Equity capital to assets | 4.0706% | 7,384 |
| Core capital (leverage) ratio | 4.0136% | 7,372 |
| Tier 1 risk-based capital ratio | 6.0186% | 7,361 |
| Total risk-based capital ratio | 7.2863% | 7,366 |
| Memoranda: | ||
| Average total assets | $132,797,670 | 4,166 |
| Average earning assets | $98,744,000 | 4,738 |
| Average equity | $5,476,670 | 6,375 |
| Average total loans | $98,293,330 | 3,736 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 2,161 |
| Cost of funding earning assets | 2.2477% | 73 |
| Net interest margin | 2.9703% | 6,635 |
| Noninterest income to average assets | -0.0453% | 7,351 |
| Noninterest expense to average assets | 3.3263% | 2,476 |
| Loan and lease loss provision to assets | -1.3958% | 7,563 |
| Net operating income to assets | 0.2719% | 5,534 |
| Return on assets (ROA) | 0.2719% | 5,593 |
| Pretax return on assets | 0.2719% | 5,742 |
| Return on Equity (ROE) | 6.5502% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.5502% | 2,352 |
| Net charge-offs to loans | -1.1020% | 7,493 |
| Credit loss provision to net charge-offs | 167.3913% | 1,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.0288% | 157 |
| Assets per employee ($millions) | 3.1238% | 5,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5886% | 1,329 |
| Loan loss allowance to noncurrent loans | 65.5892% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 12.0389% | 268 |
| Noncurrent loans to loans | 3.9466% | 1,852 |
| Net loans and leases to total assets | 72.1654% | 1,685 |
| Net loans and leases to deposits | 75.4665% | 3,501 |
| Net loans and leases to core deposits | 78.4205% | 3,965 |
| Total domestic deposits to total assets | 95.6258% | 44 |
| Equity capital to assets | 4.2256% | 7,422 |
| Core capital (leverage) ratio | 4.2085% | 7,418 |
| Tier 1 risk-based capital ratio | 6.0020% | 7,422 |
| Total risk-based capital ratio | 7.2698% | 7,427 |
| Memoranda: | ||
| Average total assets | $132,400,500 | 4,202 |
| Average earning assets | $100,192,500 | 4,735 |
| Average equity | $5,496,000 | 6,389 |
| Average total loans | $100,177,500 | 3,712 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 3,727 |
| Cost of funding earning assets | 2.8669% | 39 |
| Net interest margin | 2.3080% | 7,364 |
| Noninterest income to average assets | -0.0349% | 7,342 |
| Noninterest expense to average assets | 2.9408% | 4,065 |
| Loan and lease loss provision to assets | 7.4015% | 21 |
| Net operating income to assets | -7.2732% | 7,606 |
| Return on assets (ROA) | -7.2732% | 7,608 |
| Pretax return on assets | -8.4922% | 7,627 |
| Return on Equity (ROE) | -119.6624% | 7,613 |
| Retained earnings to average equity (ytd only) | -119.6624% | 7,613 |
| Net charge-offs to loans | 5.6850% | 114 |
| Credit loss provision to net charge-offs | 164.6145% | 2,096 |
| Earnings coverage of net charge-offs (x) | -0.2426% | 6,315 |
| Efficiency ratio | 158.9568% | 169 |
| Assets per employee ($millions) | 3.1810% | 5,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6794% | 1,194 |
| Loan loss allowance to noncurrent loans | 47.2317% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 12.2941% | 264 |
| Noncurrent loans to loans | 5.6729% | 1,139 |
| Net loans and leases to total assets | 75.1446% | 1,445 |
| Net loans and leases to deposits | 78.4543% | 3,439 |
| Net loans and leases to core deposits | 81.7341% | 3,943 |
| Total domestic deposits to total assets | 95.7815% | 45 |
| Equity capital to assets | 4.0778% | 7,505 |
| Core capital (leverage) ratio | 4.0652% | 7,493 |
| Tier 1 risk-based capital ratio | 5.7162% | 7,495 |
| Total risk-based capital ratio | 6.9858% | 7,498 |
| Memoranda: | ||
| Average total assets | $157,509,600 | 3,747 |
| Average earning assets | $128,638,800 | 4,051 |
| Average equity | $9,573,600 | 5,243 |
| Average total loans | $124,574,000 | 3,224 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 4,610 |
| Cost of funding earning assets | 2.8918% | 41 |
| Net interest margin | 2.1523% | 7,531 |
| Noninterest income to average assets | -0.2308% | 7,608 |
| Noninterest expense to average assets | 2.8650% | 4,223 |
| Loan and lease loss provision to assets | 9.4529% | 10 |
| Net operating income to assets | -9.2050% | 7,741 |
| Return on assets (ROA) | -9.2050% | 7,740 |
| Pretax return on assets | -10.7708% | 7,746 |
| Return on Equity (ROE) | -141.9044% | 7,724 |
| Retained earnings to average equity (ytd only) | -141.9044% | 7,724 |
| Net charge-offs to loans | 6.7913% | 72 |
| Credit loss provision to net charge-offs | 175.1435% | 2,105 |
| Earnings coverage of net charge-offs (x) | -0.2442% | 6,207 |
| Efficiency ratio | 185.1871% | 108 |
| Assets per employee ($millions) | 3.3546% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9764% | 838 |
| Loan loss allowance to noncurrent loans | 31.3318% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 14.8548% | 161 |
| Noncurrent loans to loans | 9.4997% | 470 |
| Net loans and leases to total assets | 73.9834% | 1,807 |
| Net loans and leases to deposits | 85.6129% | 2,425 |
| Net loans and leases to core deposits | 89.0049% | 3,232 |
| Total domestic deposits to total assets | 86.4162% | 2,844 |
| Equity capital to assets | 3.8048% | 7,652 |
| Core capital (leverage) ratio | 3.7940% | 7,634 |
| Tier 1 risk-based capital ratio | 5.4620% | 7,623 |
| Total risk-based capital ratio | 6.7370% | 7,625 |
| Memoranda: | ||
| Average total assets | $163,486,750 | 3,685 |
| Average earning assets | $135,045,000 | 3,971 |
| Average equity | $10,605,000 | 5,023 |
| Average total loans | $129,928,000 | 3,167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9902% | 4,984 |
| Cost of funding earning assets | 2.8285% | 53 |
| Net interest margin | 2.1617% | 7,598 |
| Noninterest income to average assets | -0.3140% | 7,716 |
| Noninterest expense to average assets | 2.7693% | 4,624 |
| Loan and lease loss provision to assets | 13.5773% | 2 |
| Net operating income to assets | -12.5571% | 7,819 |
| Return on assets (ROA) | -12.5571% | 7,819 |
| Pretax return on assets | -14.8322% | 7,824 |
| Return on Equity (ROE) | -172.7584% | 7,791 |
| Retained earnings to average equity (ytd only) | -172.7584% | 7,791 |
| Net charge-offs to loans | 9.9130% | 35 |
| Credit loss provision to net charge-offs | 170.3285% | 2,296 |
| Earnings coverage of net charge-offs (x) | -0.1574% | 5,846 |
| Efficiency ratio | 182.8638% | 123 |
| Assets per employee ($millions) | 3.4869% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5322% | 1,263 |
| Loan loss allowance to noncurrent loans | 26.3666% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 12.8912% | 227 |
| Noncurrent loans to loans | 9.6039% | 476 |
| Net loans and leases to total assets | 74.6559% | 1,775 |
| Net loans and leases to deposits | 92.2670% | 1,486 |
| Net loans and leases to core deposits | 93.1440% | 2,826 |
| Total domestic deposits to total assets | 80.9129% | 5,430 |
| Equity capital to assets | 3.9334% | 7,699 |
| Core capital (leverage) ratio | 3.9211% | 7,688 |
| Tier 1 risk-based capital ratio | 5.6526% | 7,671 |
| Total risk-based capital ratio | 6.9220% | 7,674 |
| Memoranda: | ||
| Average total assets | $168,781,670 | 3,617 |
| Average earning assets | $142,759,000 | 3,845 |
| Average equity | $12,268,000 | 4,608 |
| Average total loans | $135,720,330 | 3,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 5,880 |
| Cost of funding earning assets | 2.6264% | 154 |
| Net interest margin | 2.1765% | 7,659 |
| Noninterest income to average assets | -0.1804% | 7,798 |
| Noninterest expense to average assets | 2.6524% | 5,136 |
| Loan and lease loss provision to assets | 6.8634% | 86 |
| Net operating income to assets | -7.6289% | 7,859 |
| Return on assets (ROA) | -7.6289% | 7,861 |
| Pretax return on assets | -7.7722% | 7,854 |
| Return on Equity (ROE) | -86.5453% | 7,809 |
| Retained earnings to average equity (ytd only) | -86.5453% | 7,805 |
| Net charge-offs to loans | 2.4396% | 677 |
| Credit loss provision to net charge-offs | 342.3299% | 1,177 |
| Earnings coverage of net charge-offs (x) | -0.4533% | 5,263 |
| Efficiency ratio | 152.1220% | 200 |
| Assets per employee ($millions) | 3.8563% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1121% | 1,935 |
| Loan loss allowance to noncurrent loans | 27.7216% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 11.9466% | 261 |
| Noncurrent loans to loans | 7.6191% | 735 |
| Net loans and leases to total assets | 75.9754% | 1,547 |
| Net loans and leases to deposits | 107.3444% | 366 |
| Net loans and leases to core deposits | 109.9704% | 1,271 |
| Total domestic deposits to total assets | 70.7772% | 7,357 |
| Equity capital to assets | 7.6668% | 6,955 |
| Core capital (leverage) ratio | 7.6598% | 6,666 |
| Tier 1 risk-based capital ratio | 10.6541% | 6,489 |
| Total risk-based capital ratio | 11.9167% | 6,459 |
| Memoranda: | ||
| Average total assets | $172,974,500 | 3,612 |
| Average earning assets | $152,907,500 | 3,706 |
| Average equity | $15,247,500 | 3,975 |
| Average total loans | $142,152,500 | 3,033 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3549% | 4,921 |
| Cost of funding earning assets | 3.0539% | 195 |
| Net interest margin | 2.3011% | 7,592 |
| Noninterest income to average assets | 0.3182% | 5,808 |
| Noninterest expense to average assets | 2.5191% | 6,063 |
| Loan and lease loss provision to assets | 1.3888% | 1,650 |
| Net operating income to assets | -1.4827% | 6,846 |
| Return on assets (ROA) | -1.4827% | 6,860 |
| Pretax return on assets | -1.4816% | 6,692 |
| Return on Equity (ROE) | -14.3667% | 6,900 |
| Retained earnings to average equity (ytd only) | -14.3667% | 6,843 |
| Net charge-offs to loans | 1.3963% | 1,800 |
| Credit loss provision to net charge-offs | 110.6013% | 4,974 |
| Earnings coverage of net charge-offs (x) | -0.0739% | 6,302 |
| Efficiency ratio | 103.8266% | 958 |
| Assets per employee ($millions) | 3.6643% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5490% | 7,617 |
| Loan loss allowance to noncurrent loans | 7.7026% | 7,396 |
| Noncurrent assets plus other real estate owned to assets | 10.5701% | 332 |
| Noncurrent loans to loans | 7.1277% | 775 |
| Net loans and leases to total assets | 86.5093% | 249 |
| Net loans and leases to deposits | 119.7622% | 178 |
| Net loans and leases to core deposits | 156.2781% | 391 |
| Total domestic deposits to total assets | 72.2342% | 7,223 |
| Equity capital to assets | 10.0231% | 3,722 |
| Core capital (leverage) ratio | 10.0181% | 3,072 |
| Tier 1 risk-based capital ratio | 12.7035% | 4,360 |
| Total risk-based capital ratio | 13.3092% | 4,856 |
| Memoranda: | ||
| Average total assets | $178,793,600 | 3,460 |
| Average earning assets | $163,792,400 | 3,446 |
| Average equity | $18,452,400 | 3,433 |
| Average total loans | $160,787,200 | 2,749 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4064% | 4,917 |
| Cost of funding earning assets | 3.0741% | 265 |
| Net interest margin | 2.3323% | 7,617 |
| Noninterest income to average assets | 0.3397% | 5,775 |
| Noninterest expense to average assets | 2.4320% | 6,303 |
| Loan and lease loss provision to assets | 1.8255% | 1,024 |
| Net operating income to assets | -1.7718% | 7,226 |
| Return on assets (ROA) | -1.7718% | 7,227 |
| Pretax return on assets | -1.7704% | 7,077 |
| Return on Equity (ROE) | -17.0539% | 7,274 |
| Retained earnings to average equity (ytd only) | -17.0539% | 7,233 |
| Net charge-offs to loans | 1.6990% | 1,195 |
| Credit loss provision to net charge-offs | 118.5769% | 4,272 |
| Earnings coverage of net charge-offs (x) | 0.0358% | 6,014 |
| Efficiency ratio | 97.7830% | 1,171 |
| Assets per employee ($millions) | 3.8597% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 6,866 |
| Loan loss allowance to noncurrent loans | 12.0985% | 7,407 |
| Noncurrent assets plus other real estate owned to assets | 9.5114% | 383 |
| Noncurrent loans to loans | 7.2246% | 730 |
| Net loans and leases to total assets | 87.5739% | 229 |
| Net loans and leases to deposits | 125.9145% | 135 |
| Net loans and leases to core deposits | 164.9110% | 321 |
| Total domestic deposits to total assets | 69.5503% | 7,451 |
| Equity capital to assets | 9.6460% | 4,559 |
| Core capital (leverage) ratio | 9.6460% | 3,720 |
| Tier 1 risk-based capital ratio | 11.8738% | 5,085 |
| Total risk-based capital ratio | 12.8243% | 5,302 |
| Memoranda: | ||
| Average total assets | $181,352,000 | 3,449 |
| Average earning assets | $166,982,500 | 3,427 |
| Average equity | $18,841,750 | 3,393 |
| Average total loans | $164,327,750 | 2,720 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 5,334 |
| Cost of funding earning assets | 3.1026% | 347 |
| Net interest margin | 2.2607% | 7,708 |
| Noninterest income to average assets | 0.4249% | 5,081 |
| Noninterest expense to average assets | 2.4192% | 6,404 |
| Loan and lease loss provision to assets | 0.5848% | 2,690 |
| Net operating income to assets | -0.4906% | 6,537 |
| Return on assets (ROA) | -0.4906% | 6,548 |
| Pretax return on assets | -0.4884% | 6,413 |
| Return on Equity (ROE) | -4.6153% | 6,564 |
| Retained earnings to average equity (ytd only) | -4.6153% | 6,240 |
| Net charge-offs to loans | 0.3405% | 3,473 |
| Credit loss provision to net charge-offs | 188.0282% | 2,430 |
| Earnings coverage of net charge-offs (x) | 0.3099% | 5,365 |
| Efficiency ratio | 96.1689% | 1,361 |
| Assets per employee ($millions) | 4.0681% | 3,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 7,323 |
| Loan loss allowance to noncurrent loans | 20.3042% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 6.2983% | 750 |
| Noncurrent loans to loans | 3.6550% | 1,902 |
| Net loans and leases to total assets | 89.7184% | 150 |
| Net loans and leases to deposits | 134.1679% | 99 |
| Net loans and leases to core deposits | 175.4695% | 263 |
| Total domestic deposits to total assets | 66.8702% | 7,687 |
| Equity capital to assets | 10.4236% | 3,495 |
| Core capital (leverage) ratio | 10.4259% | 2,877 |
| Tier 1 risk-based capital ratio | 14.8373% | 3,093 |
| Total risk-based capital ratio | 15.7919% | 3,160 |
| Memoranda: | ||
| Average total assets | $182,621,000 | 3,448 |
| Average earning assets | $168,888,670 | 3,413 |
| Average equity | $19,413,670 | 3,337 |
| Average total loans | $166,819,000 | 2,717 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 5,505 |
| Cost of funding earning assets | 3.1175% | 436 |
| Net interest margin | 2.2668% | 7,746 |
| Noninterest income to average assets | 0.6009% | 3,543 |
| Noninterest expense to average assets | 2.3640% | 6,326 |
| Loan and lease loss provision to assets | 0.0482% | 6,367 |
| Net operating income to assets | 0.2939% | 5,320 |
| Return on assets (ROA) | 0.2939% | 5,493 |
| Pretax return on assets | 0.2982% | 5,688 |
| Return on Equity (ROE) | 2.7376% | 5,481 |
| Retained earnings to average equity (ytd only) | 2.7376% | 4,365 |
| Net charge-offs to loans | 0.4943% | 2,227 |
| Credit loss provision to net charge-offs | 10.6280% | 5,190 |
| Earnings coverage of net charge-offs (x) | 0.7633% | 4,418 |
| Efficiency ratio | 87.2168% | 1,959 |
| Assets per employee ($millions) | 4.1210% | 3,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 7,865 |
| Loan loss allowance to noncurrent loans | 6.0248% | 7,543 |
| Noncurrent assets plus other real estate owned to assets | 8.8560% | 289 |
| Noncurrent loans to loans | 7.7784% | 472 |
| Net loans and leases to total assets | 90.5912% | 117 |
| Net loans and leases to deposits | 140.7579% | 89 |
| Net loans and leases to core deposits | 181.5388% | 225 |
| Total domestic deposits to total assets | 64.3596% | 7,832 |
| Equity capital to assets | 10.6005% | 3,368 |
| Core capital (leverage) ratio | 10.6055% | 2,825 |
| Tier 1 risk-based capital ratio | 15.0311% | 3,054 |
| Total risk-based capital ratio | 15.6356% | 3,294 |
| Memoranda: | ||
| Average total assets | $182,399,000 | 3,471 |
| Average earning assets | $169,752,000 | 3,428 |
| Average equity | $19,579,500 | 3,326 |
| Average total loans | $167,493,000 | 2,734 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3482% | 3,701 |
| Cost of funding earning assets | 3.4313% | 649 |
| Net interest margin | 2.9169% | 7,117 |
| Noninterest income to average assets | 0.5242% | 4,429 |
| Noninterest expense to average assets | 2.3897% | 6,430 |
| Loan and lease loss provision to assets | 0.0504% | 6,783 |
| Net operating income to assets | 0.6134% | 4,250 |
| Return on assets (ROA) | 0.6134% | 4,111 |
| Pretax return on assets | 0.8429% | 3,918 |
| Return on Equity (ROE) | 5.6369% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.6369% | 1,696 |
| Net charge-offs to loans | 0.1212% | 5,033 |
| Credit loss provision to net charge-offs | 44.6701% | 6,406 |
| Earnings coverage of net charge-offs (x) | 7.9239% | 2,989 |
| Efficiency ratio | 72.8033% | 3,797 |
| Assets per employee ($millions) | 3.8990% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 7,702 |
| Loan loss allowance to noncurrent loans | 9.3148% | 7,513 |
| Noncurrent assets plus other real estate owned to assets | 6.2881% | 454 |
| Noncurrent loans to loans | 6.3045% | 528 |
| Net loans and leases to total assets | 92.1212% | 80 |
| Net loans and leases to deposits | 153.7659% | 75 |
| Net loans and leases to core deposits | 192.4353% | 204 |
| Total domestic deposits to total assets | 59.9100% | 7,972 |
| Equity capital to assets | 10.8729% | 3,143 |
| Core capital (leverage) ratio | 10.8888% | 2,677 |
| Tier 1 risk-based capital ratio | 15.6589% | 2,796 |
| Total risk-based capital ratio | 16.4413% | 2,883 |
| Memoranda: | ||
| Average total assets | $174,753,200 | 3,479 |
| Average earning assets | $165,242,600 | 3,402 |
| Average equity | $19,017,400 | 3,391 |
| Average total loans | $162,539,400 | 2,738 |