Home > Madison Bank of Maryland > Performance and Condition Ratios
Madison Bank of Maryland, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8489% | 4,506 |
| Cost of funding earning assets | 1.1879% | 1,053 |
| Net interest margin | 2.6610% | 4,863 |
| Noninterest income to average assets | 0.1916% | 4,518 |
| Noninterest expense to average assets | 2.5745% | 3,249 |
| Loan and lease loss provision to assets | -0.1889% | 5,117 |
| Net operating income to assets | 0.1502% | 4,886 |
| Return on assets (ROA) | 0.1546% | 4,906 |
| Pretax return on assets | 0.2013% | 4,885 |
| Return on Equity (ROE) | 0.8317% | 4,937 |
| Retained earnings to average equity (ytd only) | 0.8317% | 4,448 |
| Net charge-offs to loans | -0.2881% | 5,088 |
| Credit loss provision to net charge-offs | 95.8188% | 2,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7339% | 162 |
| Assets per employee ($millions) | 5.8068% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 1,849 |
| Loan loss allowance to noncurrent loans | 519.5219% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 3,750 |
| Noncurrent loans to loans | 0.2534% | 3,540 |
| Net loans and leases to total assets | 70.1485% | 2,378 |
| Net loans and leases to deposits | 102.3804% | 451 |
| Net loans and leases to core deposits | 107.4935% | 1,009 |
| Total domestic deposits to total assets | 68.5175% | 4,980 |
| Equity capital to assets | 19.6702% | 261 |
| Core capital (leverage) ratio | 18.7760% | 286 |
| Tier 1 risk-based capital ratio | 33.7173% | 368 |
| Total risk-based capital ratio | 34.9720% | 358 |
| Memoranda: | ||
| Average total assets | $145,579,200 | 3,355 |
| Average earning assets | $130,739,000 | 3,410 |
| Average equity | $27,053,600 | 2,560 |
| Average total loans | $99,601,200 | 3,229 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 4,632 |
| Cost of funding earning assets | 1.1886% | 1,064 |
| Net interest margin | 2.6446% | 4,974 |
| Noninterest income to average assets | 0.1912% | 4,574 |
| Noninterest expense to average assets | 2.5391% | 3,326 |
| Loan and lease loss provision to assets | -0.2492% | 5,216 |
| Net operating income to assets | 0.2136% | 4,941 |
| Return on assets (ROA) | 0.2193% | 4,950 |
| Pretax return on assets | 0.2836% | 4,919 |
| Return on Equity (ROE) | 1.1966% | 4,994 |
| Retained earnings to average equity (ytd only) | 1.1966% | 4,516 |
| Net charge-offs to loans | -0.3823% | 5,175 |
| Credit loss provision to net charge-offs | 96.1538% | 2,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9407% | 161 |
| Assets per employee ($millions) | 5.9983% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 1,983 |
| Loan loss allowance to noncurrent loans | 287.6380% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 3,287 |
| Noncurrent loans to loans | 0.4506% | 2,957 |
| Net loans and leases to total assets | 68.9335% | 2,634 |
| Net loans and leases to deposits | 99.2608% | 702 |
| Net loans and leases to core deposits | 103.6765% | 1,350 |
| Total domestic deposits to total assets | 69.4469% | 5,015 |
| Equity capital to assets | 19.0207% | 310 |
| Core capital (leverage) ratio | 18.3141% | 328 |
| Tier 1 risk-based capital ratio | 32.9064% | 403 |
| Total risk-based capital ratio | 34.1610% | 396 |
| Memoranda: | ||
| Average total assets | $147,133,250 | 3,375 |
| Average earning assets | $132,141,000 | 3,424 |
| Average equity | $26,963,750 | 2,579 |
| Average total loans | $99,735,250 | 3,271 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,662 |
| Cost of funding earning assets | 1.1704% | 1,073 |
| Net interest margin | 2.6650% | 5,029 |
| Noninterest income to average assets | 0.1916% | 4,605 |
| Noninterest expense to average assets | 2.5238% | 3,404 |
| Loan and lease loss provision to assets | -0.2024% | 5,254 |
| Net operating income to assets | 0.2159% | 4,976 |
| Return on assets (ROA) | 0.2213% | 4,983 |
| Pretax return on assets | 0.2740% | 4,957 |
| Return on Equity (ROE) | 1.2228% | 5,026 |
| Retained earnings to average equity (ytd only) | 1.2228% | 4,372 |
| Net charge-offs to loans | -0.3157% | 5,189 |
| Credit loss provision to net charge-offs | 95.5414% | 2,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4974% | 184 |
| Assets per employee ($millions) | 6.1147% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 1,931 |
| Loan loss allowance to noncurrent loans | 284.2451% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3114% | 3,290 |
| Noncurrent loans to loans | 0.4637% | 2,890 |
| Net loans and leases to total assets | 66.2705% | 3,071 |
| Net loans and leases to deposits | 97.2180% | 917 |
| Net loans and leases to core deposits | 100.4690% | 1,680 |
| Total domestic deposits to total assets | 68.1669% | 5,099 |
| Equity capital to assets | 18.5032% | 331 |
| Core capital (leverage) ratio | 18.1047% | 331 |
| Tier 1 risk-based capital ratio | 33.7266% | 370 |
| Total risk-based capital ratio | 34.9819% | 360 |
| Memoranda: | ||
| Average total assets | $148,191,330 | 3,374 |
| Average earning assets | $133,285,670 | 3,435 |
| Average equity | $26,824,330 | 2,578 |
| Average total loans | $99,467,330 | 3,293 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 4,605 |
| Cost of funding earning assets | 1.1595% | 1,017 |
| Net interest margin | 2.7105% | 5,054 |
| Noninterest income to average assets | 0.1988% | 4,567 |
| Noninterest expense to average assets | 2.5008% | 3,505 |
| Loan and lease loss provision to assets | -0.4029% | 5,334 |
| Net operating income to assets | 0.4164% | 4,695 |
| Return on assets (ROA) | 0.4164% | 4,708 |
| Pretax return on assets | 0.5184% | 4,641 |
| Return on Equity (ROE) | 2.3256% | 4,923 |
| Retained earnings to average equity (ytd only) | 2.3256% | 3,975 |
| Net charge-offs to loans | -0.6285% | 5,284 |
| Credit loss provision to net charge-offs | 95.5414% | 1,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5852% | 238 |
| Assets per employee ($millions) | 5.9132% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 2,022 |
| Loan loss allowance to noncurrent loans | 283.6245% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,368 |
| Noncurrent loans to loans | 0.4637% | 2,922 |
| Net loans and leases to total assets | 65.9383% | 3,060 |
| Net loans and leases to deposits | 96.1909% | 947 |
| Net loans and leases to core deposits | 99.0972% | 1,697 |
| Total domestic deposits to total assets | 68.5495% | 5,156 |
| Equity capital to assets | 18.1764% | 339 |
| Core capital (leverage) ratio | 17.7883% | 349 |
| Tier 1 risk-based capital ratio | 32.3505% | 403 |
| Total risk-based capital ratio | 33.6045% | 398 |
| Memoranda: | ||
| Average total assets | $148,910,500 | 3,402 |
| Average earning assets | $132,816,000 | 3,472 |
| Average equity | $26,659,500 | 2,597 |
| Average total loans | $99,924,500 | 3,328 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 3,953 |
| Cost of funding earning assets | 0.9921% | 784 |
| Net interest margin | 3.0348% | 4,757 |
| Noninterest income to average assets | 0.2039% | 4,694 |
| Noninterest expense to average assets | 2.5545% | 3,456 |
| Loan and lease loss provision to assets | -0.4629% | 5,382 |
| Net operating income to assets | 1.5985% | 872 |
| Return on assets (ROA) | 1.5985% | 859 |
| Pretax return on assets | 0.8352% | 4,082 |
| Return on Equity (ROE) | 9.7336% | 2,625 |
| Retained earnings to average equity (ytd only) | 9.7336% | 670 |
| Net charge-offs to loans | -0.7003% | 5,354 |
| Credit loss provision to net charge-offs | 99.4236% | 2,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2794% | 461 |
| Assets per employee ($millions) | 5.9997% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 2,154 |
| Loan loss allowance to noncurrent loans | 247.9846% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,157 |
| Noncurrent loans to loans | 0.5155% | 2,733 |
| Net loans and leases to total assets | 66.5249% | 3,054 |
| Net loans and leases to deposits | 97.0019% | 972 |
| Net loans and leases to core deposits | 99.6316% | 1,744 |
| Total domestic deposits to total assets | 68.5810% | 5,199 |
| Equity capital to assets | 17.6336% | 368 |
| Core capital (leverage) ratio | 17.7033% | 358 |
| Tier 1 risk-based capital ratio | 31.5730% | 409 |
| Total risk-based capital ratio | 32.8266% | 405 |
| Memoranda: | ||
| Average total assets | $149,073,000 | 3,398 |
| Average earning assets | $133,750,600 | 3,443 |
| Average equity | $24,482,200 | 2,682 |
| Average total loans | $99,094,200 | 3,315 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,763 |
| Cost of funding earning assets | 0.9378% | 783 |
| Net interest margin | 3.1206% | 4,670 |
| Noninterest income to average assets | 0.2051% | 4,740 |
| Noninterest expense to average assets | 2.5986% | 3,281 |
| Loan and lease loss provision to assets | -0.4658% | 5,452 |
| Net operating income to assets | 0.8832% | 3,608 |
| Return on assets (ROA) | 0.8832% | 3,611 |
| Pretax return on assets | 0.8832% | 4,078 |
| Return on Equity (ROE) | 5.4798% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.4798% | 2,965 |
| Net charge-offs to loans | -0.8181% | 5,426 |
| Credit loss provision to net charge-offs | 85.9504% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1598% | 504 |
| Assets per employee ($millions) | 5.7768% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 1,870 |
| Loan loss allowance to noncurrent loans | 235.9107% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 3,137 |
| Noncurrent loans to loans | 0.5734% | 2,657 |
| Net loans and leases to total assets | 66.6676% | 3,104 |
| Net loans and leases to deposits | 96.4691% | 1,096 |
| Net loans and leases to core deposits | 99.2959% | 1,847 |
| Total domestic deposits to total assets | 69.1077% | 5,256 |
| Equity capital to assets | 16.3586% | 477 |
| Core capital (leverage) ratio | 17.1036% | 409 |
| Tier 1 risk-based capital ratio | 30.3341% | 464 |
| Total risk-based capital ratio | 31.5889% | 455 |
| Memoranda: | ||
| Average total assets | $148,843,250 | 3,441 |
| Average earning assets | $134,073,000 | 3,475 |
| Average equity | $23,990,500 | 2,741 |
| Average total loans | $98,599,250 | 3,347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 3,978 |
| Cost of funding earning assets | 0.8996% | 735 |
| Net interest margin | 3.0370% | 4,826 |
| Noninterest income to average assets | 0.2116% | 4,746 |
| Noninterest expense to average assets | 2.6133% | 3,291 |
| Loan and lease loss provision to assets | -0.3033% | 5,493 |
| Net operating income to assets | 0.6362% | 4,392 |
| Return on assets (ROA) | 0.6362% | 4,397 |
| Pretax return on assets | 0.6362% | 4,672 |
| Return on Equity (ROE) | 3.9668% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.9668% | 3,625 |
| Net charge-offs to loans | -0.5920% | 5,455 |
| Credit loss provision to net charge-offs | 77.8547% | 2,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7008% | 423 |
| Assets per employee ($millions) | 5.9978% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 1,958 |
| Loan loss allowance to noncurrent loans | 167.3267% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5389% | 2,610 |
| Noncurrent loans to loans | 0.8057% | 2,118 |
| Net loans and leases to total assets | 65.9804% | 3,157 |
| Net loans and leases to deposits | 96.0003% | 1,137 |
| Net loans and leases to core deposits | 99.1005% | 1,810 |
| Total domestic deposits to total assets | 68.7294% | 5,319 |
| Equity capital to assets | 16.0531% | 495 |
| Core capital (leverage) ratio | 16.8811% | 409 |
| Tier 1 risk-based capital ratio | 30.2355% | 465 |
| Total risk-based capital ratio | 31.4903% | 460 |
| Memoranda: | ||
| Average total assets | $148,392,330 | 3,460 |
| Average earning assets | $133,620,000 | 3,505 |
| Average equity | $23,797,330 | 2,770 |
| Average total loans | $97,630,670 | 3,380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,541 |
| Cost of funding earning assets | 0.8698% | 689 |
| Net interest margin | 2.8002% | 5,158 |
| Noninterest income to average assets | 0.2087% | 4,769 |
| Noninterest expense to average assets | 2.6068% | 3,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1057% | 5,325 |
| Return on assets (ROA) | 0.1057% | 5,322 |
| Pretax return on assets | 0.1057% | 5,332 |
| Return on Equity (ROE) | 0.6593% | 5,338 |
| Retained earnings to average equity (ytd only) | 0.6593% | 4,701 |
| Net charge-offs to loans | -0.0208% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1039% | 252 |
| Assets per employee ($millions) | 5.7073% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 2,117 |
| Loan loss allowance to noncurrent loans | 73.5913% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1840% | 1,291 |
| Noncurrent loans to loans | 1.8022% | 929 |
| Net loans and leases to total assets | 64.8274% | 3,198 |
| Net loans and leases to deposits | 90.7760% | 1,591 |
| Net loans and leases to core deposits | 93.4206% | 2,181 |
| Total domestic deposits to total assets | 71.4147% | 5,314 |
| Equity capital to assets | 15.8878% | 502 |
| Core capital (leverage) ratio | 16.4704% | 435 |
| Tier 1 risk-based capital ratio | 29.8961% | 478 |
| Total risk-based capital ratio | 31.1500% | 467 |
| Memoranda: | ||
| Average total assets | $147,615,500 | 3,501 |
| Average earning assets | $131,991,000 | 3,566 |
| Average equity | $23,660,500 | 2,805 |
| Average total loans | $96,302,500 | 3,422 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,642 |
| Cost of funding earning assets | 0.7874% | 669 |
| Net interest margin | 2.7812% | 5,193 |
| Noninterest income to average assets | 0.2379% | 4,709 |
| Noninterest expense to average assets | 2.6402% | 3,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1002% | 5,260 |
| Return on assets (ROA) | 0.1413% | 5,213 |
| Pretax return on assets | 0.1413% | 5,357 |
| Return on Equity (ROE) | 0.8304% | 5,258 |
| Retained earnings to average equity (ytd only) | 0.8304% | 4,698 |
| Net charge-offs to loans | -0.0788% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3440% | 246 |
| Assets per employee ($millions) | 5.4385% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,952 |
| Loan loss allowance to noncurrent loans | 67.0484% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3082% | 1,107 |
| Noncurrent loans to loans | 2.0197% | 754 |
| Net loans and leases to total assets | 63.8968% | 3,379 |
| Net loans and leases to deposits | 86.6929% | 2,172 |
| Net loans and leases to core deposits | 89.3045% | 2,627 |
| Total domestic deposits to total assets | 73.7047% | 5,211 |
| Equity capital to assets | 16.1707% | 490 |
| Core capital (leverage) ratio | 16.5473% | 409 |
| Tier 1 risk-based capital ratio | 31.3304% | 408 |
| Total risk-based capital ratio | 32.5849% | 406 |
| Memoranda: | ||
| Average total assets | $138,739,600 | 3,631 |
| Average earning assets | $124,836,000 | 3,672 |
| Average equity | $23,603,000 | 2,795 |
| Average total loans | $88,854,400 | 3,548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 4,721 |
| Cost of funding earning assets | 0.7640% | 707 |
| Net interest margin | 2.7733% | 5,262 |
| Noninterest income to average assets | 0.2204% | 4,897 |
| Noninterest expense to average assets | 2.6605% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0663% | 5,471 |
| Return on assets (ROA) | 0.1219% | 5,435 |
| Pretax return on assets | 0.1219% | 5,446 |
| Return on Equity (ROE) | 0.7072% | 5,465 |
| Retained earnings to average equity (ytd only) | 0.7072% | 5,063 |
| Net charge-offs to loans | 0.0306% | 2,818 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.3993% | 3,344 |
| Efficiency ratio | 97.5680% | 210 |
| Assets per employee ($millions) | 5.1038% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,182 |
| Loan loss allowance to noncurrent loans | 44.3211% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.9615% | 667 |
| Noncurrent loans to loans | 3.0129% | 425 |
| Net loans and leases to total assets | 64.2335% | 3,360 |
| Net loans and leases to deposits | 87.7063% | 2,100 |
| Net loans and leases to core deposits | 90.0284% | 2,608 |
| Total domestic deposits to total assets | 73.2370% | 5,295 |
| Equity capital to assets | 17.2450% | 404 |
| Core capital (leverage) ratio | 17.0539% | 379 |
| Tier 1 risk-based capital ratio | 32.7300% | 396 |
| Total risk-based capital ratio | 33.9847% | 383 |
| Memoranda: | ||
| Average total assets | $136,714,500 | 3,692 |
| Average earning assets | $123,557,500 | 3,719 |
| Average equity | $23,567,500 | 2,820 |
| Average total loans | $87,289,500 | 3,610 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 4,761 |
| Cost of funding earning assets | 0.7492% | 691 |
| Net interest margin | 2.7523% | 5,306 |
| Noninterest income to average assets | 0.2171% | 4,954 |
| Noninterest expense to average assets | 2.6681% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0279% | 5,538 |
| Return on assets (ROA) | 0.0895% | 5,507 |
| Pretax return on assets | 0.0895% | 5,518 |
| Return on Equity (ROE) | 0.5191% | 5,522 |
| Retained earnings to average equity (ytd only) | 0.5191% | 4,972 |
| Net charge-offs to loans | -0.0093% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9663% | 200 |
| Assets per employee ($millions) | 5.4409% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 1,979 |
| Loan loss allowance to noncurrent loans | 40.1050% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.1539% | 562 |
| Noncurrent loans to loans | 3.4724% | 336 |
| Net loans and leases to total assets | 61.1651% | 3,728 |
| Net loans and leases to deposits | 83.4524% | 2,548 |
| Net loans and leases to core deposits | 86.0424% | 2,875 |
| Total domestic deposits to total assets | 73.2934% | 5,354 |
| Equity capital to assets | 16.7422% | 435 |
| Core capital (leverage) ratio | 17.2920% | 347 |
| Tier 1 risk-based capital ratio | 33.0051% | 367 |
| Total risk-based capital ratio | 34.2601% | 356 |
| Memoranda: | ||
| Average total assets | $136,352,000 | 3,720 |
| Average earning assets | $122,805,000 | 3,752 |
| Average equity | $23,502,000 | 2,832 |
| Average total loans | $86,481,670 | 3,644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5585% | 4,523 |
| Cost of funding earning assets | 0.7502% | 648 |
| Net interest margin | 2.8083% | 5,226 |
| Noninterest income to average assets | 0.2003% | 5,067 |
| Noninterest expense to average assets | 2.7983% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0688% | 5,635 |
| Return on assets (ROA) | -0.0209% | 5,622 |
| Pretax return on assets | -0.0209% | 5,611 |
| Return on Equity (ROE) | -0.1196% | 5,618 |
| Retained earnings to average equity (ytd only) | -0.1196% | 4,939 |
| Net charge-offs to loans | 0.1072% | 1,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 2,877 |
| Efficiency ratio | 102.5192% | 197 |
| Assets per employee ($millions) | 4.9427% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,017 |
| Loan loss allowance to noncurrent loans | 51.7989% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 1.6670% | 909 |
| Noncurrent loans to loans | 2.7318% | 540 |
| Net loans and leases to total assets | 60.1564% | 3,770 |
| Net loans and leases to deposits | 81.7972% | 2,537 |
| Net loans and leases to core deposits | 83.4392% | 2,952 |
| Total domestic deposits to total assets | 73.5433% | 5,449 |
| Equity capital to assets | 16.9225% | 392 |
| Core capital (leverage) ratio | 17.5349% | 320 |
| Tier 1 risk-based capital ratio | 34.6377% | 332 |
| Total risk-based capital ratio | 35.8936% | 329 |
| Memoranda: | ||
| Average total assets | $133,796,500 | 3,782 |
| Average earning assets | $120,500,000 | 3,831 |
| Average equity | $23,411,000 | 2,850 |
| Average total loans | $85,848,500 | 3,690 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6888% | 4,246 |
| Cost of funding earning assets | 1.1333% | 75 |
| Net interest margin | 2.5555% | 5,555 |
| Noninterest income to average assets | 0.1347% | 5,513 |
| Noninterest expense to average assets | 3.3035% | 1,565 |
| Loan and lease loss provision to assets | -0.1920% | 5,780 |
| Net operating income to assets | -0.6279% | 5,805 |
| Return on assets (ROA) | -0.6058% | 5,805 |
| Pretax return on assets | -0.6102% | 5,793 |
| Return on Equity (ROE) | -3.2808% | 5,761 |
| Retained earnings to average equity (ytd only) | -3.2808% | 5,598 |
| Net charge-offs to loans | 0.0925% | 2,386 |
| Credit loss provision to net charge-offs | -303.5294% | 5,083 |
| Earnings coverage of net charge-offs (x) | -13.0353% | 4,243 |
| Efficiency ratio | 133.2633% | 51 |
| Assets per employee ($millions) | 5.0011% | 2,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 2,098 |
| Loan loss allowance to noncurrent loans | 52.0290% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 819 |
| Noncurrent loans to loans | 2.6832% | 560 |
| Net loans and leases to total assets | 66.1627% | 3,050 |
| Net loans and leases to deposits | 89.1983% | 1,779 |
| Net loans and leases to core deposits | 91.5466% | 2,343 |
| Total domestic deposits to total assets | 74.1748% | 5,428 |
| Equity capital to assets | 18.6375% | 267 |
| Core capital (leverage) ratio | 18.0125% | 285 |
| Tier 1 risk-based capital ratio | 36.9642% | 276 |
| Total risk-based capital ratio | 38.2213% | 273 |
| Memoranda: | ||
| Average total assets | $134,374,400 | 3,762 |
| Average earning assets | $123,263,800 | 3,763 |
| Average equity | $24,811,200 | 2,738 |
| Average total loans | $91,884,000 | 3,538 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 4,396 |
| Cost of funding earning assets | 1.0444% | 133 |
| Net interest margin | 2.6104% | 5,580 |
| Noninterest income to average assets | 0.1447% | 5,537 |
| Noninterest expense to average assets | 3.2156% | 1,740 |
| Loan and lease loss provision to assets | -0.2530% | 5,888 |
| Net operating income to assets | -0.4232% | 5,842 |
| Return on assets (ROA) | -0.3927% | 5,848 |
| Pretax return on assets | -0.3839% | 5,836 |
| Return on Equity (ROE) | -2.1318% | 5,813 |
| Retained earnings to average equity (ytd only) | -2.1318% | 5,600 |
| Net charge-offs to loans | 0.1218% | 1,740 |
| Credit loss provision to net charge-offs | -302.3529% | 4,958 |
| Earnings coverage of net charge-offs (x) | -7.9765% | 3,914 |
| Efficiency ratio | 126.1877% | 68 |
| Assets per employee ($millions) | 3.6839% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 2,480 |
| Loan loss allowance to noncurrent loans | 49.7754% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 1.8466% | 883 |
| Noncurrent loans to loans | 2.6946% | 609 |
| Net loans and leases to total assets | 67.6112% | 2,852 |
| Net loans and leases to deposits | 93.9452% | 1,260 |
| Net loans and leases to core deposits | 95.9190% | 1,998 |
| Total domestic deposits to total assets | 71.9688% | 5,596 |
| Equity capital to assets | 18.6442% | 290 |
| Core capital (leverage) ratio | 18.1262% | 294 |
| Tier 1 risk-based capital ratio | 36.5832% | 301 |
| Total risk-based capital ratio | 37.8394% | 297 |
| Memoranda: | ||
| Average total assets | $135,461,000 | 3,761 |
| Average earning assets | $124,731,000 | 3,761 |
| Average equity | $24,955,500 | 2,744 |
| Average total loans | $93,043,000 | 3,531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 4,372 |
| Cost of funding earning assets | 1.0544% | 117 |
| Net interest margin | 2.6217% | 5,645 |
| Noninterest income to average assets | 0.1510% | 5,548 |
| Noninterest expense to average assets | 2.8767% | 2,756 |
| Loan and lease loss provision to assets | -0.3680% | 5,996 |
| Net operating income to assets | -0.1500% | 5,840 |
| Return on assets (ROA) | -0.1246% | 5,841 |
| Pretax return on assets | 0.0953% | 5,729 |
| Return on Equity (ROE) | -0.6791% | 5,823 |
| Retained earnings to average equity (ytd only) | -0.6791% | 5,393 |
| Net charge-offs to loans | 0.1770% | 1,280 |
| Credit loss provision to net charge-offs | -302.4096% | 4,821 |
| Earnings coverage of net charge-offs (x) | -2.5663% | 3,609 |
| Efficiency ratio | 112.1784% | 133 |
| Assets per employee ($millions) | 3.8739% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 2,648 |
| Loan loss allowance to noncurrent loans | 59.9707% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 1,263 |
| Noncurrent loans to loans | 2.2097% | 850 |
| Net loans and leases to total assets | 67.3865% | 2,883 |
| Net loans and leases to deposits | 94.6886% | 1,220 |
| Net loans and leases to core deposits | 96.2781% | 1,954 |
| Total domestic deposits to total assets | 71.1664% | 5,717 |
| Equity capital to assets | 18.4467% | 300 |
| Core capital (leverage) ratio | 18.2182% | 278 |
| Tier 1 risk-based capital ratio | 36.7184% | 294 |
| Total risk-based capital ratio | 37.9769% | 293 |
| Memoranda: | ||
| Average total assets | $136,408,000 | 3,779 |
| Average earning assets | $125,568,000 | 3,770 |
| Average equity | $25,032,000 | 2,739 |
| Average total loans | $93,762,330 | 3,526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6437% | 4,495 |
| Cost of funding earning assets | 1.0325% | 136 |
| Net interest margin | 2.6112% | 5,711 |
| Noninterest income to average assets | 0.1579% | 5,544 |
| Noninterest expense to average assets | 2.9148% | 2,656 |
| Loan and lease loss provision to assets | -0.7455% | 6,099 |
| Net operating income to assets | 0.0585% | 5,732 |
| Return on assets (ROA) | 0.1052% | 5,719 |
| Pretax return on assets | 0.4795% | 5,142 |
| Return on Equity (ROE) | 0.5750% | 5,761 |
| Retained earnings to average equity (ytd only) | 0.5750% | 4,973 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1669% | 137 |
| Assets per employee ($millions) | 3.8709% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 2,476 |
| Loan loss allowance to noncurrent loans | 69.1737% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 1,564 |
| Noncurrent loans to loans | 2.0083% | 1,068 |
| Net loans and leases to total assets | 66.5241% | 2,878 |
| Net loans and leases to deposits | 92.4727% | 1,286 |
| Net loans and leases to core deposits | 93.9554% | 1,993 |
| Total domestic deposits to total assets | 71.9392% | 5,775 |
| Equity capital to assets | 18.0142% | 323 |
| Core capital (leverage) ratio | 18.2783% | 275 |
| Tier 1 risk-based capital ratio | 35.5334% | 321 |
| Total risk-based capital ratio | 36.7896% | 316 |
| Memoranda: | ||
| Average total assets | $136,819,500 | 3,795 |
| Average earning assets | $126,683,000 | 3,771 |
| Average equity | $25,042,500 | 2,743 |
| Average total loans | $94,347,000 | 3,527 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,324 |
| Cost of funding earning assets | 1.0019% | 175 |
| Net interest margin | 2.7137% | 5,631 |
| Noninterest income to average assets | 0.1563% | 5,637 |
| Noninterest expense to average assets | 3.0474% | 2,393 |
| Loan and lease loss provision to assets | 0.0007% | 4,371 |
| Net operating income to assets | -0.6323% | 6,065 |
| Return on assets (ROA) | -0.6309% | 6,065 |
| Pretax return on assets | -0.3914% | 6,014 |
| Return on Equity (ROE) | -3.4625% | 6,020 |
| Retained earnings to average equity (ytd only) | -3.4625% | 5,845 |
| Net charge-offs to loans | 0.1731% | 1,650 |
| Credit loss provision to net charge-offs | 0.5848% | 3,893 |
| Earnings coverage of net charge-offs (x) | -3.1988% | 4,378 |
| Efficiency ratio | 114.7678% | 111 |
| Assets per employee ($millions) | 3.5339% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 1,477 |
| Loan loss allowance to noncurrent loans | 83.9699% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,510 |
| Noncurrent loans to loans | 1.9633% | 1,075 |
| Net loans and leases to total assets | 69.3472% | 2,478 |
| Net loans and leases to deposits | 97.8204% | 832 |
| Net loans and leases to core deposits | 99.4660% | 1,555 |
| Total domestic deposits to total assets | 70.8924% | 5,857 |
| Equity capital to assets | 18.6033% | 268 |
| Core capital (leverage) ratio | 17.9375% | 288 |
| Tier 1 risk-based capital ratio | 34.8524% | 338 |
| Total risk-based capital ratio | 36.1130% | 335 |
| Memoranda: | ||
| Average total assets | $139,493,800 | 3,726 |
| Average earning assets | $128,459,600 | 3,733 |
| Average equity | $25,415,200 | 2,660 |
| Average total loans | $98,812,600 | 3,404 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7540% | 4,245 |
| Cost of funding earning assets | 0.9948% | 186 |
| Net interest margin | 2.7591% | 5,649 |
| Noninterest income to average assets | 0.1544% | 5,716 |
| Noninterest expense to average assets | 3.0370% | 2,404 |
| Loan and lease loss provision to assets | -0.0038% | 5,794 |
| Net operating income to assets | -0.5871% | 6,154 |
| Return on assets (ROA) | -0.5871% | 6,153 |
| Pretax return on assets | -0.3390% | 6,099 |
| Return on Equity (ROE) | -3.2388% | 6,109 |
| Retained earnings to average equity (ytd only) | -3.2388% | 5,949 |
| Net charge-offs to loans | 0.1402% | 1,720 |
| Credit loss provision to net charge-offs | -3.8095% | 4,821 |
| Earnings coverage of net charge-offs (x) | -3.4475% | 4,110 |
| Efficiency ratio | 112.7241% | 128 |
| Assets per employee ($millions) | 3.6330% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 1,478 |
| Loan loss allowance to noncurrent loans | 66.9142% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 1.8182% | 1,170 |
| Noncurrent loans to loans | 2.5343% | 808 |
| Net loans and leases to total assets | 69.9474% | 2,393 |
| Net loans and leases to deposits | 99.0790% | 719 |
| Net loans and leases to core deposits | 100.7425% | 1,456 |
| Total domestic deposits to total assets | 70.5976% | 5,945 |
| Equity capital to assets | 18.7783% | 289 |
| Core capital (leverage) ratio | 17.6778% | 316 |
| Tier 1 risk-based capital ratio | 34.5423% | 359 |
| Total risk-based capital ratio | 35.8037% | 358 |
| Memoranda: | ||
| Average total assets | $140,795,250 | 3,744 |
| Average earning assets | $129,602,000 | 3,740 |
| Average equity | $25,523,500 | 2,674 |
| Average total loans | $99,844,250 | 3,428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6794% | 4,466 |
| Cost of funding earning assets | 0.9799% | 195 |
| Net interest margin | 2.6996% | 5,762 |
| Noninterest income to average assets | 0.1441% | 5,845 |
| Noninterest expense to average assets | 2.9597% | 2,680 |
| Loan and lease loss provision to assets | 0.0014% | 4,058 |
| Net operating income to assets | -0.4772% | 6,184 |
| Return on assets (ROA) | -0.4772% | 6,193 |
| Pretax return on assets | -0.3303% | 6,147 |
| Return on Equity (ROE) | -2.6623% | 6,145 |
| Retained earnings to average equity (ytd only) | -2.6623% | 5,887 |
| Net charge-offs to loans | 0.0138% | 3,446 |
| Credit loss provision to net charge-offs | 14.2857% | 3,072 |
| Earnings coverage of net charge-offs (x) | -33.5714% | 3,874 |
| Efficiency ratio | 112.5000% | 152 |
| Assets per employee ($millions) | 3.6042% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7508% | 1,490 |
| Loan loss allowance to noncurrent loans | 55.2354% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.3774% | 831 |
| Noncurrent loans to loans | 3.1696% | 598 |
| Net loans and leases to total assets | 70.6815% | 2,213 |
| Net loans and leases to deposits | 99.5608% | 692 |
| Net loans and leases to core deposits | 102.2433% | 1,314 |
| Total domestic deposits to total assets | 70.9933% | 5,987 |
| Equity capital to assets | 18.5984% | 288 |
| Core capital (leverage) ratio | 17.8309% | 303 |
| Tier 1 risk-based capital ratio | 34.8201% | 368 |
| Total risk-based capital ratio | 36.0836% | 366 |
| Memoranda: | ||
| Average total assets | $142,920,000 | 3,734 |
| Average earning assets | $131,650,670 | 3,731 |
| Average equity | $25,617,330 | 2,676 |
| Average total loans | $101,243,670 | 3,416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 4,568 |
| Cost of funding earning assets | 0.9643% | 212 |
| Net interest margin | 2.6756% | 5,835 |
| Noninterest income to average assets | 0.1453% | 5,873 |
| Noninterest expense to average assets | 3.0130% | 2,542 |
| Loan and lease loss provision to assets | 0.0164% | 3,511 |
| Net operating income to assets | -0.4716% | 6,237 |
| Return on assets (ROA) | -0.4716% | 6,248 |
| Pretax return on assets | -0.4195% | 6,224 |
| Return on Equity (ROE) | -2.6781% | 6,205 |
| Retained earnings to average equity (ytd only) | -2.6781% | 5,762 |
| Net charge-offs to loans | 0.0546% | 2,227 |
| Credit loss provision to net charge-offs | 42.8571% | 2,167 |
| Earnings coverage of net charge-offs (x) | -10.5000% | 3,247 |
| Efficiency ratio | 115.4412% | 157 |
| Assets per employee ($millions) | 3.9199% | 4,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 1,745 |
| Loan loss allowance to noncurrent loans | 44.7184% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9338% | 656 |
| Noncurrent loans to loans | 3.7948% | 475 |
| Net loans and leases to total assets | 70.7305% | 2,031 |
| Net loans and leases to deposits | 101.2610% | 493 |
| Net loans and leases to core deposits | 104.0196% | 1,063 |
| Total domestic deposits to total assets | 69.8496% | 6,136 |
| Equity capital to assets | 18.1546% | 321 |
| Core capital (leverage) ratio | 17.6206% | 312 |
| Tier 1 risk-based capital ratio | 33.9017% | 397 |
| Total risk-based capital ratio | 35.1630% | 388 |
| Memoranda: | ||
| Average total assets | $145,901,000 | 3,716 |
| Average earning assets | $134,401,500 | 3,710 |
| Average equity | $25,690,000 | 2,690 |
| Average total loans | $102,601,000 | 3,404 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9097% | 4,093 |
| Cost of funding earning assets | 1.0244% | 201 |
| Net interest margin | 2.8853% | 5,674 |
| Noninterest income to average assets | 0.1836% | 5,759 |
| Noninterest expense to average assets | 2.8519% | 3,295 |
| Loan and lease loss provision to assets | 0.5654% | 254 |
| Net operating income to assets | -0.9199% | 6,367 |
| Return on assets (ROA) | -0.9199% | 6,363 |
| Pretax return on assets | -0.5954% | 6,309 |
| Return on Equity (ROE) | -6.6813% | 6,323 |
| Retained earnings to average equity (ytd only) | -6.6813% | 6,239 |
| Net charge-offs to loans | 0.7916% | 443 |
| Credit loss provision to net charge-offs | 93.2106% | 2,576 |
| Earnings coverage of net charge-offs (x) | -0.0495% | 4,721 |
| Efficiency ratio | 101.0636% | 343 |
| Assets per employee ($millions) | 4.1810% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,866 |
| Loan loss allowance to noncurrent loans | 51.8108% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 937 |
| Noncurrent loans to loans | 3.2228% | 676 |
| Net loans and leases to total assets | 67.7239% | 2,602 |
| Net loans and leases to deposits | 95.3145% | 957 |
| Net loans and leases to core deposits | 97.6726% | 1,575 |
| Total domestic deposits to total assets | 71.0531% | 6,141 |
| Equity capital to assets | 17.0034% | 415 |
| Core capital (leverage) ratio | 16.9951% | 367 |
| Tier 1 risk-based capital ratio | 32.5623% | 413 |
| Total risk-based capital ratio | 33.8239% | 403 |
| Memoranda: | ||
| Average total assets | $143,271,600 | 3,736 |
| Average earning assets | $131,008,400 | 3,747 |
| Average equity | $19,726,600 | 3,190 |
| Average total loans | $109,780,600 | 3,220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,704 |
| Cost of funding earning assets | 1.0450% | 198 |
| Net interest margin | 2.9689% | 5,562 |
| Noninterest income to average assets | 0.1847% | 5,812 |
| Noninterest expense to average assets | 2.8841% | 3,181 |
| Loan and lease loss provision to assets | 0.7634% | 166 |
| Net operating income to assets | -1.0952% | 6,473 |
| Return on assets (ROA) | -1.0952% | 6,471 |
| Pretax return on assets | -0.7531% | 6,412 |
| Return on Equity (ROE) | -8.4846% | 6,425 |
| Retained earnings to average equity (ytd only) | -8.4846% | 6,352 |
| Net charge-offs to loans | 0.9930% | 311 |
| Credit loss provision to net charge-offs | 97.7081% | 2,282 |
| Earnings coverage of net charge-offs (x) | 0.0133% | 4,446 |
| Efficiency ratio | 99.6418% | 379 |
| Assets per employee ($millions) | 3.7813% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6472% | 2,144 |
| Loan loss allowance to noncurrent loans | 42.5414% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.3594% | 645 |
| Noncurrent loans to loans | 3.8721% | 568 |
| Net loans and leases to total assets | 77.6789% | 995 |
| Net loans and leases to deposits | 105.1866% | 360 |
| Net loans and leases to core deposits | 107.2369% | 888 |
| Total domestic deposits to total assets | 73.8487% | 6,030 |
| Equity capital to assets | 12.7440% | 1,564 |
| Core capital (leverage) ratio | 12.7337% | 1,289 |
| Tier 1 risk-based capital ratio | 21.8158% | 1,289 |
| Total risk-based capital ratio | 23.0783% | 1,270 |
| Memoranda: | ||
| Average total assets | $141,460,250 | 3,798 |
| Average earning assets | $129,114,250 | 3,804 |
| Average equity | $18,260,000 | 3,387 |
| Average total loans | $111,309,000 | 3,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,694 |
| Cost of funding earning assets | 1.0419% | 204 |
| Net interest margin | 2.9682% | 5,592 |
| Noninterest income to average assets | 0.2457% | 5,441 |
| Noninterest expense to average assets | 2.7521% | 3,695 |
| Loan and lease loss provision to assets | -0.0140% | 6,239 |
| Net operating income to assets | 0.1326% | 5,988 |
| Return on assets (ROA) | 0.1326% | 6,025 |
| Pretax return on assets | 0.2164% | 5,922 |
| Return on Equity (ROE) | 1.0235% | 6,049 |
| Retained earnings to average equity (ytd only) | 1.0235% | 5,347 |
| Net charge-offs to loans | 0.2789% | 1,426 |
| Credit loss provision to net charge-offs | -6.3694% | 5,063 |
| Earnings coverage of net charge-offs (x) | 0.9236% | 3,933 |
| Efficiency ratio | 93.1474% | 685 |
| Assets per employee ($millions) | 3.9131% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4671% | 3,043 |
| Loan loss allowance to noncurrent loans | 32.1705% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 3.9489% | 544 |
| Noncurrent loans to loans | 4.5604% | 476 |
| Net loans and leases to total assets | 77.3775% | 995 |
| Net loans and leases to deposits | 104.8065% | 339 |
| Net loans and leases to core deposits | 106.7808% | 847 |
| Total domestic deposits to total assets | 73.8289% | 6,128 |
| Equity capital to assets | 13.2091% | 1,265 |
| Core capital (leverage) ratio | 12.9855% | 1,161 |
| Tier 1 risk-based capital ratio | 22.1674% | 1,233 |
| Total risk-based capital ratio | 23.4261% | 1,211 |
| Memoranda: | ||
| Average total assets | $143,238,000 | 3,794 |
| Average earning assets | $130,717,000 | 3,792 |
| Average equity | $18,564,000 | 3,349 |
| Average total loans | $112,574,330 | 3,195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 3,960 |
| Cost of funding earning assets | 1.0452% | 216 |
| Net interest margin | 2.8871% | 5,779 |
| Noninterest income to average assets | 0.4210% | 4,023 |
| Noninterest expense to average assets | 2.7392% | 3,802 |
| Loan and lease loss provision to assets | -0.0138% | 6,410 |
| Net operating income to assets | 0.2077% | 5,778 |
| Return on assets (ROA) | 0.2077% | 5,832 |
| Pretax return on assets | 0.3351% | 5,634 |
| Return on Equity (ROE) | 1.6179% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.6179% | 4,963 |
| Net charge-offs to loans | 0.4791% | 765 |
| Credit loss provision to net charge-offs | -3.6765% | 4,647 |
| Earnings coverage of net charge-offs (x) | 0.8529% | 3,251 |
| Efficiency ratio | 89.5023% | 1,083 |
| Assets per employee ($millions) | 3.8975% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4661% | 3,302 |
| Loan loss allowance to noncurrent loans | 20.3832% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 5.9233% | 293 |
| Noncurrent loans to loans | 7.1925% | 209 |
| Net loans and leases to total assets | 76.8530% | 902 |
| Net loans and leases to deposits | 103.2081% | 320 |
| Net loans and leases to core deposits | 105.0880% | 791 |
| Total domestic deposits to total assets | 74.4641% | 6,202 |
| Equity capital to assets | 12.8855% | 1,365 |
| Core capital (leverage) ratio | 12.6699% | 1,311 |
| Tier 1 risk-based capital ratio | 21.9442% | 1,298 |
| Total risk-based capital ratio | 23.2036% | 1,270 |
| Memoranda: | ||
| Average total assets | $144,420,500 | 3,799 |
| Average earning assets | $132,035,500 | 3,800 |
| Average equity | $18,542,000 | 3,346 |
| Average total loans | $113,548,000 | 3,190 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9740% | 4,179 |
| Cost of funding earning assets | 1.1094% | 271 |
| Net interest margin | 2.8646% | 5,872 |
| Noninterest income to average assets | 0.1267% | 6,299 |
| Noninterest expense to average assets | 3.1088% | 2,709 |
| Loan and lease loss provision to assets | 0.5895% | 429 |
| Net operating income to assets | -0.6175% | 6,529 |
| Return on assets (ROA) | -0.6175% | 6,532 |
| Pretax return on assets | -0.9509% | 6,585 |
| Return on Equity (ROE) | -4.8228% | 6,483 |
| Retained earnings to average equity (ytd only) | -4.8228% | 6,358 |
| Net charge-offs to loans | 0.6088% | 1,079 |
| Credit loss provision to net charge-offs | 123.1198% | 1,933 |
| Earnings coverage of net charge-offs (x) | -0.7549% | 5,239 |
| Efficiency ratio | 113.1553% | 234 |
| Assets per employee ($millions) | 3.9090% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5617% | 2,914 |
| Loan loss allowance to noncurrent loans | 23.7306% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 5.5278% | 385 |
| Noncurrent loans to loans | 6.5810% | 276 |
| Net loans and leases to total assets | 78.0104% | 827 |
| Net loans and leases to deposits | 104.7273% | 300 |
| Net loans and leases to core deposits | 106.6256% | 762 |
| Total domestic deposits to total assets | 74.4890% | 6,245 |
| Equity capital to assets | 12.7925% | 1,371 |
| Core capital (leverage) ratio | 12.5803% | 1,318 |
| Tier 1 risk-based capital ratio | 21.5202% | 1,338 |
| Total risk-based capital ratio | 22.7805% | 1,312 |
| Memoranda: | ||
| Average total assets | $149,963,200 | 3,704 |
| Average earning assets | $137,190,600 | 3,707 |
| Average equity | $19,200,400 | 3,258 |
| Average total loans | $117,941,400 | 3,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 4,074 |
| Cost of funding earning assets | 1.1222% | 273 |
| Net interest margin | 2.8923% | 5,837 |
| Noninterest income to average assets | 0.1093% | 6,455 |
| Noninterest expense to average assets | 3.0703% | 2,756 |
| Loan and lease loss provision to assets | 0.0643% | 3,769 |
| Net operating income to assets | -0.2520% | 6,494 |
| Return on assets (ROA) | -0.2520% | 6,510 |
| Pretax return on assets | -0.3816% | 6,552 |
| Return on Equity (ROE) | -1.9681% | 6,482 |
| Retained earnings to average equity (ytd only) | -1.9681% | 6,262 |
| Net charge-offs to loans | 0.0887% | 3,683 |
| Credit loss provision to net charge-offs | 92.4051% | 2,572 |
| Earnings coverage of net charge-offs (x) | -4.5570% | 5,135 |
| Efficiency ratio | 111.5237% | 249 |
| Assets per employee ($millions) | 3.5512% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 3,995 |
| Loan loss allowance to noncurrent loans | 20.9939% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 5.4683% | 485 |
| Noncurrent loans to loans | 6.5629% | 343 |
| Net loans and leases to total assets | 77.6495% | 791 |
| Net loans and leases to deposits | 101.8709% | 389 |
| Net loans and leases to core deposits | 103.6172% | 900 |
| Total domestic deposits to total assets | 76.2234% | 6,145 |
| Equity capital to assets | 12.8373% | 1,403 |
| Core capital (leverage) ratio | 12.8297% | 1,268 |
| Tier 1 risk-based capital ratio | 21.8494% | 1,345 |
| Total risk-based capital ratio | 23.1067% | 1,327 |
| Memoranda: | ||
| Average total assets | $151,296,000 | 3,718 |
| Average earning assets | $138,293,500 | 3,730 |
| Average equity | $19,375,000 | 3,264 |
| Average total loans | $118,772,250 | 3,083 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0690% | 3,849 |
| Cost of funding earning assets | 1.1490% | 257 |
| Net interest margin | 2.9200% | 5,751 |
| Noninterest income to average assets | 0.1368% | 6,369 |
| Noninterest expense to average assets | 2.7143% | 3,979 |
| Loan and lease loss provision to assets | 0.0053% | 4,727 |
| Net operating income to assets | 0.0526% | 6,239 |
| Return on assets (ROA) | 0.0526% | 6,316 |
| Pretax return on assets | 0.0855% | 6,248 |
| Return on Equity (ROE) | 0.4113% | 6,322 |
| Retained earnings to average equity (ytd only) | 0.4113% | 5,730 |
| Net charge-offs to loans | 0.0906% | 3,459 |
| Credit loss provision to net charge-offs | 7.4074% | 3,933 |
| Earnings coverage of net charge-offs (x) | 1.2778% | 4,116 |
| Efficiency ratio | 96.7636% | 627 |
| Assets per employee ($millions) | 3.4852% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3372% | 4,331 |
| Loan loss allowance to noncurrent loans | 20.4895% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 5.8873% | 467 |
| Noncurrent loans to loans | 6.5265% | 399 |
| Net loans and leases to total assets | 77.4909% | 802 |
| Net loans and leases to deposits | 98.5422% | 512 |
| Net loans and leases to core deposits | 100.2192% | 1,059 |
| Total domestic deposits to total assets | 78.6373% | 5,865 |
| Equity capital to assets | 12.9924% | 1,347 |
| Core capital (leverage) ratio | 12.9861% | 1,165 |
| Tier 1 risk-based capital ratio | 21.9711% | 1,290 |
| Total risk-based capital ratio | 23.2277% | 1,267 |
| Memoranda: | ||
| Average total assets | $152,011,000 | 3,732 |
| Average earning assets | $138,903,670 | 3,740 |
| Average equity | $19,451,000 | 3,267 |
| Average total loans | $119,218,670 | 3,087 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 3,561 |
| Cost of funding earning assets | 1.2019% | 230 |
| Net interest margin | 2.9373% | 5,735 |
| Noninterest income to average assets | 0.1071% | 6,547 |
| Noninterest expense to average assets | 2.8089% | 3,665 |
| Loan and lease loss provision to assets | -0.0157% | 6,745 |
| Net operating income to assets | -0.0052% | 6,349 |
| Return on assets (ROA) | -0.0052% | 6,423 |
| Pretax return on assets | -0.0105% | 6,419 |
| Return on Equity (ROE) | -0.0412% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.0412% | 5,780 |
| Net charge-offs to loans | 0.1234% | 2,685 |
| Credit loss provision to net charge-offs | -16.2162% | 4,979 |
| Earnings coverage of net charge-offs (x) | -0.2703% | 3,887 |
| Efficiency ratio | 100.9390% | 509 |
| Assets per employee ($millions) | 3.5295% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 4,593 |
| Loan loss allowance to noncurrent loans | 17.4446% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 6.7228% | 431 |
| Noncurrent loans to loans | 7.5706% | 364 |
| Net loans and leases to total assets | 77.8377% | 630 |
| Net loans and leases to deposits | 98.8089% | 400 |
| Net loans and leases to core deposits | 100.4635% | 921 |
| Total domestic deposits to total assets | 78.7760% | 5,998 |
| Equity capital to assets | 12.8084% | 1,527 |
| Core capital (leverage) ratio | 12.7964% | 1,196 |
| Tier 1 risk-based capital ratio | 21.6053% | 1,403 |
| Total risk-based capital ratio | 22.8615% | 1,381 |
| Memoranda: | ||
| Average total assets | $153,084,500 | 3,756 |
| Average earning assets | $139,448,500 | 3,774 |
| Average equity | $19,441,000 | 3,321 |
| Average total loans | $119,975,500 | 3,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 4,021 |
| Cost of funding earning assets | 1.3278% | 332 |
| Net interest margin | 3.0242% | 5,990 |
| Noninterest income to average assets | 0.0871% | 6,556 |
| Noninterest expense to average assets | 2.7705% | 4,141 |
| Loan and lease loss provision to assets | 0.2480% | 2,674 |
| Net operating income to assets | -0.1066% | 6,291 |
| Return on assets (ROA) | -0.1062% | 6,388 |
| Pretax return on assets | -0.1979% | 6,425 |
| Return on Equity (ROE) | -0.8222% | 6,375 |
| Retained earnings to average equity (ytd only) | -0.8222% | 5,991 |
| Net charge-offs to loans | 0.9769% | 1,118 |
| Credit loss provision to net charge-offs | 32.4418% | 5,078 |
| Earnings coverage of net charge-offs (x) | 0.0647% | 5,458 |
| Efficiency ratio | 98.2456% | 620 |
| Assets per employee ($millions) | 3.3566% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,402 |
| Loan loss allowance to noncurrent loans | 14.6809% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 7.9027% | 356 |
| Noncurrent loans to loans | 9.2001% | 278 |
| Net loans and leases to total assets | 76.8215% | 816 |
| Net loans and leases to deposits | 96.9568% | 567 |
| Net loans and leases to core deposits | 98.5395% | 1,107 |
| Total domestic deposits to total assets | 79.2328% | 5,841 |
| Equity capital to assets | 12.5925% | 1,642 |
| Core capital (leverage) ratio | 12.5794% | 1,291 |
| Tier 1 risk-based capital ratio | 21.3414% | 1,389 |
| Total risk-based capital ratio | 22.5974% | 1,364 |
| Memoranda: | ||
| Average total assets | $151,598,400 | 3,743 |
| Average earning assets | $136,995,400 | 3,772 |
| Average equity | $19,582,200 | 3,254 |
| Average total loans | $118,645,000 | 3,108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 3,946 |
| Cost of funding earning assets | 1.3448% | 363 |
| Net interest margin | 3.0804% | 5,981 |
| Noninterest income to average assets | 0.0689% | 6,742 |
| Noninterest expense to average assets | 2.7258% | 4,265 |
| Loan and lease loss provision to assets | 0.0742% | 4,730 |
| Net operating income to assets | 0.0304% | 6,240 |
| Return on assets (ROA) | 0.0309% | 6,370 |
| Pretax return on assets | 0.0486% | 6,338 |
| Return on Equity (ROE) | 0.2379% | 6,376 |
| Retained earnings to average equity (ytd only) | 0.2379% | 6,008 |
| Net charge-offs to loans | 0.0936% | 4,443 |
| Credit loss provision to net charge-offs | 101.2048% | 2,917 |
| Earnings coverage of net charge-offs (x) | 1.6628% | 4,444 |
| Efficiency ratio | 95.7183% | 690 |
| Assets per employee ($millions) | 3.4383% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9740% | 2,248 |
| Loan loss allowance to noncurrent loans | 21.8373% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 8.0286% | 382 |
| Noncurrent loans to loans | 9.0396% | 304 |
| Net loans and leases to total assets | 77.2851% | 820 |
| Net loans and leases to deposits | 97.6474% | 564 |
| Net loans and leases to core deposits | 99.2365% | 1,174 |
| Total domestic deposits to total assets | 79.1471% | 5,833 |
| Equity capital to assets | 12.6989% | 1,768 |
| Core capital (leverage) ratio | 12.6808% | 1,330 |
| Tier 1 risk-based capital ratio | 21.3528% | 1,445 |
| Total risk-based capital ratio | 22.6199% | 1,412 |
| Memoranda: | ||
| Average total assets | $150,897,500 | 3,802 |
| Average earning assets | $136,124,500 | 3,827 |
| Average equity | $19,617,000 | 3,279 |
| Average total loans | $118,246,750 | 3,159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 3,733 |
| Cost of funding earning assets | 1.3632% | 404 |
| Net interest margin | 3.1446% | 5,877 |
| Noninterest income to average assets | 0.0762% | 6,764 |
| Noninterest expense to average assets | 2.7469% | 4,230 |
| Loan and lease loss provision to assets | 0.1390% | 3,782 |
| Net operating income to assets | 0.0152% | 6,301 |
| Return on assets (ROA) | 0.0160% | 6,437 |
| Pretax return on assets | 0.0254% | 6,416 |
| Return on Equity (ROE) | 0.1224% | 6,440 |
| Retained earnings to average equity (ytd only) | 0.1224% | 5,998 |
| Net charge-offs to loans | 0.1419% | 3,784 |
| Credit loss provision to net charge-offs | 125.3012% | 2,188 |
| Earnings coverage of net charge-offs (x) | 1.4699% | 4,265 |
| Efficiency ratio | 94.3960% | 786 |
| Assets per employee ($millions) | 3.5634% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 2,154 |
| Loan loss allowance to noncurrent loans | 24.5253% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 7.3715% | 503 |
| Noncurrent loans to loans | 8.2765% | 404 |
| Net loans and leases to total assets | 76.4805% | 909 |
| Net loans and leases to deposits | 96.8464% | 577 |
| Net loans and leases to core deposits | 98.4508% | 1,227 |
| Total domestic deposits to total assets | 78.9709% | 5,965 |
| Equity capital to assets | 12.8059% | 1,621 |
| Core capital (leverage) ratio | 12.7894% | 1,223 |
| Tier 1 risk-based capital ratio | 21.7557% | 1,336 |
| Total risk-based capital ratio | 23.0238% | 1,311 |
| Memoranda: | ||
| Average total assets | $149,622,670 | 3,844 |
| Average earning assets | $134,834,670 | 3,871 |
| Average equity | $19,606,670 | 3,271 |
| Average total loans | $117,000,670 | 3,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5394% | 3,756 |
| Cost of funding earning assets | 1.3910% | 440 |
| Net interest margin | 3.1485% | 5,911 |
| Noninterest income to average assets | 0.0893% | 6,789 |
| Noninterest expense to average assets | 2.8981% | 3,630 |
| Loan and lease loss provision to assets | 0.0974% | 4,128 |
| Net operating income to assets | -0.0396% | 6,470 |
| Return on assets (ROA) | -0.0379% | 6,566 |
| Pretax return on assets | -0.0676% | 6,582 |
| Return on Equity (ROE) | -0.2857% | 6,558 |
| Retained earnings to average equity (ytd only) | -0.2857% | 6,040 |
| Net charge-offs to loans | 0.2420% | 2,722 |
| Credit loss provision to net charge-offs | 51.4286% | 3,256 |
| Earnings coverage of net charge-offs (x) | 0.1429% | 4,297 |
| Efficiency ratio | 99.0749% | 587 |
| Assets per employee ($millions) | 3.4346% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0363% | 2,250 |
| Loan loss allowance to noncurrent loans | 22.5806% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 8.0602% | 469 |
| Noncurrent loans to loans | 9.0178% | 377 |
| Net loans and leases to total assets | 77.3001% | 661 |
| Net loans and leases to deposits | 98.8022% | 416 |
| Net loans and leases to core deposits | 100.5133% | 958 |
| Total domestic deposits to total assets | 78.2372% | 6,234 |
| Equity capital to assets | 13.2651% | 1,333 |
| Core capital (leverage) ratio | 13.2510% | 1,040 |
| Tier 1 risk-based capital ratio | 22.2125% | 1,253 |
| Total risk-based capital ratio | 23.4805% | 1,224 |
| Memoranda: | ||
| Average total assets | $147,821,000 | 3,911 |
| Average earning assets | $133,144,000 | 3,923 |
| Average equity | $19,599,000 | 3,274 |
| Average total loans | $115,693,000 | 3,239 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 3,738 |
| Cost of funding earning assets | 1.5658% | 544 |
| Net interest margin | 3.2492% | 5,965 |
| Noninterest income to average assets | 0.0950% | 6,661 |
| Noninterest expense to average assets | 2.5316% | 5,345 |
| Loan and lease loss provision to assets | 0.3297% | 3,044 |
| Net operating income to assets | 0.1467% | 5,747 |
| Return on assets (ROA) | 0.1467% | 5,881 |
| Pretax return on assets | 0.1998% | 5,791 |
| Return on Equity (ROE) | 1.1729% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.1729% | 5,306 |
| Net charge-offs to loans | 0.1471% | 4,971 |
| Credit loss provision to net charge-offs | 293.1034% | 809 |
| Earnings coverage of net charge-offs (x) | 4.7069% | 3,011 |
| Efficiency ratio | 82.7033% | 1,923 |
| Assets per employee ($millions) | 3.3626% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 4,046 |
| Loan loss allowance to noncurrent loans | 22.9372% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 5.8146% | 866 |
| Noncurrent loans to loans | 6.5215% | 713 |
| Net loans and leases to total assets | 76.4643% | 891 |
| Net loans and leases to deposits | 97.7982% | 571 |
| Net loans and leases to core deposits | 99.2900% | 1,236 |
| Total domestic deposits to total assets | 78.1858% | 6,158 |
| Equity capital to assets | 13.2521% | 1,381 |
| Core capital (leverage) ratio | 13.2384% | 1,056 |
| Tier 1 risk-based capital ratio | 22.8203% | 1,120 |
| Total risk-based capital ratio | 24.0802% | 1,097 |
| Memoranda: | ||
| Average total assets | $154,685,800 | 3,725 |
| Average earning assets | $141,203,800 | 3,719 |
| Average equity | $19,354,400 | 3,235 |
| Average total loans | $118,302,600 | 3,212 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8315% | 3,875 |
| Cost of funding earning assets | 1.6093% | 555 |
| Net interest margin | 3.2223% | 6,104 |
| Noninterest income to average assets | 0.0631% | 6,906 |
| Noninterest expense to average assets | 2.5290% | 5,356 |
| Loan and lease loss provision to assets | 0.3377% | 2,855 |
| Net operating income to assets | 0.0929% | 5,977 |
| Return on assets (ROA) | 0.0929% | 6,095 |
| Pretax return on assets | 0.1467% | 6,010 |
| Return on Equity (ROE) | 0.7533% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.7533% | 5,709 |
| Net charge-offs to loans | 0.1455% | 4,610 |
| Credit loss provision to net charge-offs | 304.6154% | 931 |
| Earnings coverage of net charge-offs (x) | 4.3692% | 3,090 |
| Efficiency ratio | 83.9276% | 1,738 |
| Assets per employee ($millions) | 3.5496% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,546 |
| Loan loss allowance to noncurrent loans | 22.7273% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 5.2118% | 1,097 |
| Noncurrent loans to loans | 6.1786% | 890 |
| Net loans and leases to total assets | 76.1329% | 959 |
| Net loans and leases to deposits | 96.4581% | 673 |
| Net loans and leases to core deposits | 98.5347% | 1,386 |
| Total domestic deposits to total assets | 78.9285% | 6,003 |
| Equity capital to assets | 12.7698% | 1,744 |
| Core capital (leverage) ratio | 12.7558% | 1,324 |
| Tier 1 risk-based capital ratio | 22.2507% | 1,244 |
| Total risk-based capital ratio | 23.5082% | 1,223 |
| Memoranda: | ||
| Average total assets | $156,368,750 | 3,719 |
| Average earning assets | $143,166,750 | 3,717 |
| Average equity | $19,291,250 | 3,244 |
| Average total loans | $119,165,750 | 3,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 3,635 |
| Cost of funding earning assets | 1.6398% | 589 |
| Net interest margin | 3.2575% | 5,981 |
| Noninterest income to average assets | 0.0508% | 7,043 |
| Noninterest expense to average assets | 2.5074% | 5,507 |
| Loan and lease loss provision to assets | 0.0355% | 5,870 |
| Net operating income to assets | 0.3083% | 5,340 |
| Return on assets (ROA) | 0.3083% | 5,476 |
| Pretax return on assets | 0.4974% | 5,080 |
| Return on Equity (ROE) | 2.5280% | 5,594 |
| Retained earnings to average equity (ytd only) | 2.5280% | 4,680 |
| Net charge-offs to loans | 0.1505% | 4,286 |
| Credit loss provision to net charge-offs | 31.1111% | 4,971 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 2,807 |
| Efficiency ratio | 82.4708% | 2,031 |
| Assets per employee ($millions) | 3.5325% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 5,917 |
| Loan loss allowance to noncurrent loans | 41.1473% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 2.1913% | 2,995 |
| Noncurrent loans to loans | 2.6974% | 2,698 |
| Net loans and leases to total assets | 76.0690% | 1,064 |
| Net loans and leases to deposits | 95.8618% | 737 |
| Net loans and leases to core deposits | 97.8766% | 1,513 |
| Total domestic deposits to total assets | 79.3528% | 5,992 |
| Equity capital to assets | 12.4526% | 1,809 |
| Core capital (leverage) ratio | 12.4505% | 1,388 |
| Tier 1 risk-based capital ratio | 22.0492% | 1,250 |
| Total risk-based capital ratio | 23.3025% | 1,216 |
| Memoranda: | ||
| Average total assets | $157,614,000 | 3,720 |
| Average earning assets | $144,649,670 | 3,719 |
| Average equity | $19,224,670 | 3,240 |
| Average total loans | $119,601,330 | 3,239 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 3,806 |
| Cost of funding earning assets | 1.6795% | 606 |
| Net interest margin | 3.1730% | 6,158 |
| Noninterest income to average assets | 0.0504% | 7,134 |
| Noninterest expense to average assets | 2.5557% | 5,367 |
| Loan and lease loss provision to assets | -0.0126% | 7,448 |
| Net operating income to assets | 0.2672% | 5,552 |
| Return on assets (ROA) | 0.2672% | 5,613 |
| Pretax return on assets | 0.4310% | 5,242 |
| Return on Equity (ROE) | 2.2130% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.2130% | 4,816 |
| Net charge-offs to loans | -0.0167% | 6,516 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9322% | 1,724 |
| Assets per employee ($millions) | 3.5667% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,812 |
| Loan loss allowance to noncurrent loans | 38.2329% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 2.4303% | 2,797 |
| Noncurrent loans to loans | 3.0276% | 2,485 |
| Net loans and leases to total assets | 75.5765% | 1,097 |
| Net loans and leases to deposits | 94.8484% | 759 |
| Net loans and leases to core deposits | 98.0053% | 1,525 |
| Total domestic deposits to total assets | 79.6814% | 6,022 |
| Equity capital to assets | 12.2420% | 1,767 |
| Core capital (leverage) ratio | 12.2426% | 1,434 |
| Tier 1 risk-based capital ratio | 21.6604% | 1,291 |
| Total risk-based capital ratio | 22.9141% | 1,265 |
| Memoranda: | ||
| Average total assets | $158,706,000 | 3,732 |
| Average earning assets | $146,232,500 | 3,713 |
| Average equity | $19,159,500 | 3,235 |
| Average total loans | $119,621,500 | 3,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 5,027 |
| Cost of funding earning assets | 1.9067% | 826 |
| Net interest margin | 2.9942% | 6,741 |
| Noninterest income to average assets | 0.0784% | 6,995 |
| Noninterest expense to average assets | 2.4915% | 5,830 |
| Loan and lease loss provision to assets | 0.6004% | 2,735 |
| Net operating income to assets | -0.1771% | 6,084 |
| Return on assets (ROA) | -0.1783% | 6,145 |
| Pretax return on assets | -0.2684% | 6,136 |
| Return on Equity (ROE) | -1.4998% | 6,116 |
| Retained earnings to average equity (ytd only) | -1.4998% | 5,886 |
| Net charge-offs to loans | 0.7184% | 2,861 |
| Credit loss provision to net charge-offs | 109.8194% | 4,015 |
| Earnings coverage of net charge-offs (x) | 0.6106% | 5,494 |
| Efficiency ratio | 88.1852% | 1,465 |
| Assets per employee ($millions) | 3.6472% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1648% | 5,665 |
| Loan loss allowance to noncurrent loans | 33.0243% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 2.7337% | 2,554 |
| Noncurrent loans to loans | 3.5271% | 2,139 |
| Net loans and leases to total assets | 73.4429% | 1,778 |
| Net loans and leases to deposits | 92.3414% | 1,229 |
| Net loans and leases to core deposits | 93.9797% | 2,254 |
| Total domestic deposits to total assets | 79.5341% | 5,958 |
| Equity capital to assets | 11.9064% | 1,964 |
| Core capital (leverage) ratio | 11.9064% | 1,615 |
| Tier 1 risk-based capital ratio | 21.3369% | 1,269 |
| Total risk-based capital ratio | 22.5910% | 1,244 |
| Memoranda: | ||
| Average total assets | $162,070,800 | 3,657 |
| Average earning assets | $148,688,800 | 3,650 |
| Average equity | $19,268,800 | 3,247 |
| Average total loans | $123,333,600 | 3,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9856% | 4,892 |
| Cost of funding earning assets | 1.9338% | 923 |
| Net interest margin | 3.0518% | 6,727 |
| Noninterest income to average assets | 0.0698% | 7,182 |
| Noninterest expense to average assets | 2.5694% | 5,429 |
| Loan and lease loss provision to assets | 0.5014% | 2,951 |
| Net operating income to assets | -0.1327% | 6,222 |
| Return on assets (ROA) | -0.1354% | 6,309 |
| Pretax return on assets | -0.2027% | 6,323 |
| Return on Equity (ROE) | -1.1393% | 6,296 |
| Retained earnings to average equity (ytd only) | -1.1393% | 6,035 |
| Net charge-offs to loans | 0.5511% | 3,103 |
| Credit loss provision to net charge-offs | 118.8716% | 3,486 |
| Earnings coverage of net charge-offs (x) | 0.7179% | 5,338 |
| Efficiency ratio | 89.4571% | 1,329 |
| Assets per employee ($millions) | 3.6993% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,728 |
| Loan loss allowance to noncurrent loans | 31.9771% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 2.8641% | 2,532 |
| Noncurrent loans to loans | 3.5842% | 2,190 |
| Net loans and leases to total assets | 75.8567% | 1,439 |
| Net loans and leases to deposits | 95.6687% | 1,027 |
| Net loans and leases to core deposits | 98.4249% | 2,005 |
| Total domestic deposits to total assets | 79.2910% | 5,936 |
| Equity capital to assets | 12.0896% | 2,095 |
| Core capital (leverage) ratio | 12.0896% | 1,621 |
| Tier 1 risk-based capital ratio | 21.1648% | 1,331 |
| Total risk-based capital ratio | 22.4184% | 1,310 |
| Memoranda: | ||
| Average total assets | $162,469,250 | 3,706 |
| Average earning assets | $149,198,500 | 3,697 |
| Average equity | $19,309,250 | 3,278 |
| Average total loans | $124,355,000 | 3,275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 4,737 |
| Cost of funding earning assets | 1.9826% | 948 |
| Net interest margin | 3.0592% | 6,704 |
| Noninterest income to average assets | 0.0758% | 7,210 |
| Noninterest expense to average assets | 2.6075% | 5,293 |
| Loan and lease loss provision to assets | 0.3655% | 3,515 |
| Net operating income to assets | -0.0643% | 6,179 |
| Return on assets (ROA) | -0.0685% | 6,272 |
| Pretax return on assets | -0.1002% | 6,244 |
| Return on Equity (ROE) | -0.5793% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.5793% | 5,868 |
| Net charge-offs to loans | 0.3788% | 3,468 |
| Credit loss provision to net charge-offs | 126.1603% | 3,195 |
| Earnings coverage of net charge-offs (x) | 0.9367% | 4,842 |
| Efficiency ratio | 90.5732% | 1,290 |
| Assets per employee ($millions) | 3.7002% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,835 |
| Loan loss allowance to noncurrent loans | 34.4467% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 2.6460% | 2,730 |
| Noncurrent loans to loans | 3.2591% | 2,461 |
| Net loans and leases to total assets | 76.5005% | 1,393 |
| Net loans and leases to deposits | 96.5243% | 999 |
| Net loans and leases to core deposits | 99.5583% | 2,066 |
| Total domestic deposits to total assets | 79.2552% | 5,955 |
| Equity capital to assets | 12.1551% | 2,009 |
| Core capital (leverage) ratio | 12.1551% | 1,563 |
| Tier 1 risk-based capital ratio | 21.2989% | 1,298 |
| Total risk-based capital ratio | 22.5521% | 1,268 |
| Memoranda: | ||
| Average total assets | $163,602,000 | 3,712 |
| Average earning assets | $149,906,330 | 3,708 |
| Average equity | $19,335,330 | 3,264 |
| Average total loans | $125,118,330 | 3,305 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 4,442 |
| Cost of funding earning assets | 2.0562% | 927 |
| Net interest margin | 3.0633% | 6,686 |
| Noninterest income to average assets | 0.0724% | 7,347 |
| Noninterest expense to average assets | 2.6675% | 5,070 |
| Loan and lease loss provision to assets | 0.6850% | 1,858 |
| Net operating income to assets | -0.3055% | 6,674 |
| Return on assets (ROA) | -0.3135% | 6,729 |
| Pretax return on assets | -0.4679% | 6,758 |
| Return on Equity (ROE) | -2.6897% | 6,714 |
| Retained earnings to average equity (ytd only) | -2.6897% | 6,323 |
| Net charge-offs to loans | 0.7675% | 1,974 |
| Credit loss provision to net charge-offs | 117.3554% | 2,970 |
| Earnings coverage of net charge-offs (x) | 0.3926% | 4,682 |
| Efficiency ratio | 92.0899% | 1,273 |
| Assets per employee ($millions) | 3.5319% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 6,039 |
| Loan loss allowance to noncurrent loans | 67.0936% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.3714% | 4,457 |
| Noncurrent loans to loans | 1.6292% | 4,305 |
| Net loans and leases to total assets | 75.8540% | 1,578 |
| Net loans and leases to deposits | 97.4190% | 964 |
| Net loans and leases to core deposits | 100.6690% | 2,065 |
| Total domestic deposits to total assets | 77.8637% | 6,349 |
| Equity capital to assets | 11.8585% | 2,129 |
| Core capital (leverage) ratio | 11.8585% | 1,718 |
| Tier 1 risk-based capital ratio | 21.0369% | 1,336 |
| Total risk-based capital ratio | 22.2893% | 1,307 |
| Memoranda: | ||
| Average total assets | $165,848,000 | 3,734 |
| Average earning assets | $152,906,500 | 3,707 |
| Average equity | $19,333,000 | 3,285 |
| Average total loans | $126,126,500 | 3,342 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 5,712 |
| Cost of funding earning assets | 2.4477% | 1,166 |
| Net interest margin | 2.7391% | 7,155 |
| Noninterest income to average assets | 0.1042% | 7,246 |
| Noninterest expense to average assets | 2.4371% | 6,346 |
| Loan and lease loss provision to assets | 0.6734% | 3,124 |
| Net operating income to assets | -0.3035% | 5,976 |
| Return on assets (ROA) | -0.3436% | 6,009 |
| Pretax return on assets | -0.4907% | 6,002 |
| Return on Equity (ROE) | -3.0302% | 5,990 |
| Retained earnings to average equity (ytd only) | -3.0302% | 5,706 |
| Net charge-offs to loans | 0.3077% | 4,707 |
| Credit loss provision to net charge-offs | 297.7215% | 1,118 |
| Earnings coverage of net charge-offs (x) | 1.0608% | 5,055 |
| Efficiency ratio | 91.0374% | 1,632 |
| Assets per employee ($millions) | 3.6006% | 4,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,199 |
| Loan loss allowance to noncurrent loans | 38.5965% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 2.1486% | 3,207 |
| Noncurrent loans to loans | 2.6791% | 2,865 |
| Net loans and leases to total assets | 74.6522% | 2,106 |
| Net loans and leases to deposits | 96.3955% | 1,280 |
| Net loans and leases to core deposits | 117.8236% | 2,149 |
| Total domestic deposits to total assets | 77.4437% | 6,357 |
| Equity capital to assets | 11.4637% | 2,340 |
| Core capital (leverage) ratio | 11.4617% | 1,938 |
| Tier 1 risk-based capital ratio | 19.2486% | 1,603 |
| Total risk-based capital ratio | 20.4990% | 1,567 |
| Memoranda: | ||
| Average total assets | $174,637,000 | 3,523 |
| Average earning assets | $164,030,800 | 3,442 |
| Average equity | $19,800,600 | 3,233 |
| Average total loans | $128,381,800 | 3,301 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2487% | 5,693 |
| Cost of funding earning assets | 2.5260% | 1,218 |
| Net interest margin | 2.7226% | 7,178 |
| Noninterest income to average assets | 0.0606% | 7,605 |
| Noninterest expense to average assets | 2.3857% | 6,460 |
| Loan and lease loss provision to assets | 0.3447% | 4,256 |
| Net operating income to assets | -0.0885% | 5,871 |
| Return on assets (ROA) | -0.1515% | 6,002 |
| Pretax return on assets | -0.1886% | 5,962 |
| Return on Equity (ROE) | -1.3399% | 5,991 |
| Retained earnings to average equity (ytd only) | -1.3399% | 5,569 |
| Net charge-offs to loans | 0.2852% | 4,247 |
| Credit loss provision to net charge-offs | 165.4545% | 2,846 |
| Earnings coverage of net charge-offs (x) | 1.1273% | 4,934 |
| Efficiency ratio | 91.0379% | 1,607 |
| Assets per employee ($millions) | 3.6803% | 4,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5560% | 7,635 |
| Loan loss allowance to noncurrent loans | 64.4843% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7695% | 5,587 |
| Noncurrent loans to loans | 0.8623% | 5,568 |
| Net loans and leases to total assets | 74.3424% | 2,433 |
| Net loans and leases to deposits | 95.7028% | 1,617 |
| Net loans and leases to core deposits | 115.6849% | 2,657 |
| Total domestic deposits to total assets | 77.6805% | 6,177 |
| Equity capital to assets | 11.4503% | 2,634 |
| Core capital (leverage) ratio | 11.4456% | 2,103 |
| Tier 1 risk-based capital ratio | 18.8848% | 1,771 |
| Total risk-based capital ratio | 19.5707% | 1,852 |
| Memoranda: | ||
| Average total assets | $175,988,750 | 3,521 |
| Average earning assets | $165,472,250 | 3,458 |
| Average equity | $19,900,750 | 3,253 |
| Average total loans | $128,563,750 | 3,330 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 5,702 |
| Cost of funding earning assets | 2.6179% | 1,238 |
| Net interest margin | 2.6708% | 7,264 |
| Noninterest income to average assets | 0.0599% | 7,690 |
| Noninterest expense to average assets | 2.3605% | 6,588 |
| Loan and lease loss provision to assets | 0.3593% | 3,770 |
| Net operating income to assets | -0.1216% | 6,049 |
| Return on assets (ROA) | -0.2158% | 6,233 |
| Pretax return on assets | -0.2667% | 6,198 |
| Return on Equity (ROE) | -1.9165% | 6,210 |
| Retained earnings to average equity (ytd only) | -1.9165% | 5,717 |
| Net charge-offs to loans | 0.4162% | 3,133 |
| Credit loss provision to net charge-offs | 119.1011% | 3,902 |
| Earnings coverage of net charge-offs (x) | 0.6929% | 5,024 |
| Efficiency ratio | 91.8646% | 1,648 |
| Assets per employee ($millions) | 3.7859% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5571% | 7,714 |
| Loan loss allowance to noncurrent loans | 56.6561% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,591 |
| Noncurrent loans to loans | 0.9833% | 5,240 |
| Net loans and leases to total assets | 71.7295% | 3,293 |
| Net loans and leases to deposits | 91.6016% | 2,547 |
| Net loans and leases to core deposits | 109.9175% | 3,380 |
| Total domestic deposits to total assets | 78.3059% | 5,995 |
| Equity capital to assets | 11.1258% | 2,815 |
| Core capital (leverage) ratio | 11.1258% | 2,314 |
| Tier 1 risk-based capital ratio | 17.8843% | 2,053 |
| Total risk-based capital ratio | 18.5302% | 2,154 |
| Memoranda: | ||
| Average total assets | $176,993,670 | 3,528 |
| Average earning assets | $166,317,330 | 3,454 |
| Average equity | $19,932,330 | 3,252 |
| Average total loans | $128,314,330 | 3,370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3594% | 5,616 |
| Cost of funding earning assets | 2.6712% | 1,339 |
| Net interest margin | 2.6881% | 7,227 |
| Noninterest income to average assets | 0.0657% | 7,739 |
| Noninterest expense to average assets | 2.2569% | 6,667 |
| Loan and lease loss provision to assets | 0.0499% | 6,347 |
| Net operating income to assets | 0.1404% | 5,857 |
| Return on assets (ROA) | 0.0838% | 6,192 |
| Pretax return on assets | 0.1949% | 5,951 |
| Return on Equity (ROE) | 0.7400% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.7400% | 5,368 |
| Net charge-offs to loans | 0.0686% | 4,514 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 6.6818% | 2,453 |
| Efficiency ratio | 87.1391% | 1,963 |
| Assets per employee ($millions) | 3.7686% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5209% | 7,790 |
| Loan loss allowance to noncurrent loans | 362.2951% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 5,759 |
| Noncurrent loans to loans | 0.1438% | 7,108 |
| Net loans and leases to total assets | 71.4903% | 3,357 |
| Net loans and leases to deposits | 91.5397% | 2,683 |
| Net loans and leases to core deposits | 109.6862% | 3,477 |
| Total domestic deposits to total assets | 78.0976% | 5,980 |
| Equity capital to assets | 11.2939% | 2,726 |
| Core capital (leverage) ratio | 11.2939% | 2,283 |
| Tier 1 risk-based capital ratio | 18.4839% | 1,937 |
| Total risk-based capital ratio | 19.0965% | 2,039 |
| Memoranda: | ||
| Average total assets | $176,521,500 | 3,559 |
| Average earning assets | $165,766,000 | 3,478 |
| Average equity | $20,000,000 | 3,262 |
| Average total loans | $128,297,000 | 3,405 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5879% | 7,110 |
| Cost of funding earning assets | 3.2020% | 1,182 |
| Net interest margin | 2.3859% | 7,861 |
| Noninterest income to average assets | 0.1789% | 7,162 |
| Noninterest expense to average assets | 2.1042% | 7,228 |
| Loan and lease loss provision to assets | 0.4759% | 2,923 |
| Net operating income to assets | -0.1618% | 6,574 |
| Return on assets (ROA) | -0.2779% | 6,568 |
| Pretax return on assets | -0.2592% | 6,423 |
| Return on Equity (ROE) | -2.5777% | 6,571 |
| Retained earnings to average equity (ytd only) | -2.5777% | 6,010 |
| Net charge-offs to loans | 0.1149% | 5,112 |
| Credit loss provision to net charge-offs | 592.0530% | 735 |
| Earnings coverage of net charge-offs (x) | 4.1391% | 4,087 |
| Efficiency ratio | 86.3478% | 1,821 |
| Assets per employee ($millions) | 3.6650% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5127% | 7,833 |
| Loan loss allowance to noncurrent loans | 47.5951% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2591% | 3,707 |
| Noncurrent loans to loans | 1.0773% | 4,414 |
| Net loans and leases to total assets | 73.1254% | 3,331 |
| Net loans and leases to deposits | 93.8657% | 2,791 |
| Net loans and leases to core deposits | 112.0310% | 3,560 |
| Total domestic deposits to total assets | 77.9043% | 5,746 |
| Equity capital to assets | 11.3665% | 2,733 |
| Core capital (leverage) ratio | 11.3665% | 2,325 |
| Tier 1 risk-based capital ratio | 18.3564% | 1,949 |
| Total risk-based capital ratio | 18.9650% | 2,056 |
| Memoranda: | ||
| Average total assets | $187,866,000 | 3,294 |
| Average earning assets | $177,794,600 | 3,211 |
| Average equity | $20,250,800 | 3,188 |
| Average total loans | $131,448,000 | 3,244 |