Home > National Bank of California > Performance and Condition Ratios
National Bank of California, Performance and Condition Ratios
| 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 | 3.4839% | 4,924 |
| Cost of funding earning assets | 0.1921% | 5,267 |
| Net interest margin | 3.2917% | 4,252 |
| Noninterest income to average assets | 0.9400% | 1,210 |
| Noninterest expense to average assets | 3.7667% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2392% | 5,452 |
| Return on assets (ROA) | 0.2392% | 5,517 |
| Pretax return on assets | 0.2392% | 5,591 |
| Return on Equity (ROE) | 2.8693% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.8693% | 4,081 |
| Net charge-offs to loans | -0.0875% | 5,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0277% | 450 |
| Assets per employee ($millions) | 5.7439% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 544 |
| Loan loss allowance to noncurrent loans | 381.8571% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 4,049 |
| Noncurrent loans to loans | 0.5925% | 3,416 |
| Net loans and leases to total assets | 63.5250% | 3,315 |
| Net loans and leases to deposits | 70.5553% | 3,805 |
| Net loans and leases to core deposits | 71.2527% | 4,131 |
| Total domestic deposits to total assets | 90.0358% | 584 |
| Equity capital to assets | 8.3832% | 5,651 |
| Core capital (leverage) ratio | 8.4022% | 5,477 |
| Tier 1 risk-based capital ratio | 12.7873% | 4,409 |
| Total risk-based capital ratio | 14.0501% | 4,309 |
| Memoranda: | ||
| Average total assets | $424,664,500 | 1,595 |
| Average earning assets | $395,537,000 | 1,587 |
| Average equity | $35,409,500 | 2,063 |
| Average total loans | $265,172,000 | 1,695 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 4,733 |
| Cost of funding earning assets | 0.1783% | 5,476 |
| Net interest margin | 3.3994% | 3,918 |
| Noninterest income to average assets | 0.7745% | 1,881 |
| Noninterest expense to average assets | 4.3766% | 444 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.6803% | 6,071 |
| Return on assets (ROA) | -0.6803% | 6,073 |
| Pretax return on assets | -0.4075% | 6,020 |
| Return on Equity (ROE) | -8.8504% | 6,094 |
| Retained earnings to average equity (ytd only) | -8.8504% | 6,020 |
| Net charge-offs to loans | -0.1669% | 5,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2677% | 139 |
| Assets per employee ($millions) | 5.8928% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4374% | 436 |
| Loan loss allowance to noncurrent loans | 303.7273% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.4806% | 3,704 |
| Noncurrent loans to loans | 0.8025% | 2,782 |
| Net loans and leases to total assets | 58.4255% | 4,028 |
| Net loans and leases to deposits | 64.8797% | 4,407 |
| Net loans and leases to core deposits | 65.5203% | 4,629 |
| Total domestic deposits to total assets | 90.0521% | 611 |
| Equity capital to assets | 8.2931% | 5,709 |
| Core capital (leverage) ratio | 8.2860% | 5,618 |
| Tier 1 risk-based capital ratio | 13.6394% | 3,928 |
| Total risk-based capital ratio | 14.9041% | 3,846 |
| Memoranda: | ||
| Average total assets | $382,052,800 | 1,720 |
| Average earning assets | $359,030,400 | 1,681 |
| Average equity | $29,365,800 | 2,361 |
| Average total loans | $248,645,400 | 1,739 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 4,592 |
| Cost of funding earning assets | 0.1696% | 5,634 |
| Net interest margin | 3.4736% | 3,647 |
| Noninterest income to average assets | 0.7619% | 1,975 |
| Noninterest expense to average assets | 4.4658% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.6622% | 6,162 |
| Return on assets (ROA) | -0.6622% | 6,160 |
| Pretax return on assets | -0.4336% | 6,123 |
| Return on Equity (ROE) | -8.8136% | 6,172 |
| Retained earnings to average equity (ytd only) | -8.8136% | 6,108 |
| Net charge-offs to loans | -0.1903% | 5,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7521% | 145 |
| Assets per employee ($millions) | 5.6704% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4402% | 474 |
| Loan loss allowance to noncurrent loans | 292.0000% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 3,772 |
| Noncurrent loans to loans | 0.8357% | 2,882 |
| Net loans and leases to total assets | 60.0478% | 3,880 |
| Net loans and leases to deposits | 65.8024% | 4,401 |
| Net loans and leases to core deposits | 66.4235% | 4,661 |
| Total domestic deposits to total assets | 91.2548% | 195 |
| Equity capital to assets | 6.5981% | 6,174 |
| Core capital (leverage) ratio | 6.4812% | 6,172 |
| Tier 1 risk-based capital ratio | 10.9853% | 5,668 |
| Total risk-based capital ratio | 12.2515% | 5,559 |
| Memoranda: | ||
| Average total assets | $371,496,250 | 1,779 |
| Average earning assets | $349,758,000 | 1,741 |
| Average equity | $27,910,750 | 2,474 |
| Average total loans | $247,286,750 | 1,758 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7742% | 4,154 |
| Cost of funding earning assets | 0.1571% | 5,802 |
| Net interest margin | 3.6171% | 3,024 |
| Noninterest income to average assets | 0.7009% | 2,212 |
| Noninterest expense to average assets | 4.6376% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5417% | 6,199 |
| Return on assets (ROA) | -0.5417% | 6,207 |
| Pretax return on assets | -0.5406% | 6,197 |
| Return on Equity (ROE) | -6.8922% | 6,221 |
| Retained earnings to average equity (ytd only) | -6.8922% | 6,086 |
| Net charge-offs to loans | -0.2114% | 6,036 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1947% | 147 |
| Assets per employee ($millions) | 5.0262% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 510 |
| Loan loss allowance to noncurrent loans | 238.2643% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6816% | 3,356 |
| Noncurrent loans to loans | 1.0293% | 2,591 |
| Net loans and leases to total assets | 64.5908% | 3,181 |
| Net loans and leases to deposits | 71.4107% | 3,767 |
| Net loans and leases to core deposits | 72.2143% | 4,108 |
| Total domestic deposits to total assets | 90.4498% | 472 |
| Equity capital to assets | 7.4870% | 6,118 |
| Core capital (leverage) ratio | 7.4197% | 6,115 |
| Tier 1 risk-based capital ratio | 11.6275% | 5,388 |
| Total risk-based capital ratio | 12.8940% | 5,293 |
| Memoranda: | ||
| Average total assets | $359,239,000 | 1,844 |
| Average earning assets | $337,290,670 | 1,822 |
| Average equity | $28,235,000 | 2,466 |
| Average total loans | $245,953,000 | 1,775 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5977% | 4,699 |
| Cost of funding earning assets | 0.1547% | 5,893 |
| Net interest margin | 3.4430% | 3,653 |
| Noninterest income to average assets | 0.7141% | 2,104 |
| Noninterest expense to average assets | 4.8469% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.9034% | 6,309 |
| Return on assets (ROA) | -0.9034% | 6,314 |
| Pretax return on assets | -0.9034% | 6,304 |
| Return on Equity (ROE) | -11.2139% | 6,326 |
| Retained earnings to average equity (ytd only) | -11.2139% | 6,161 |
| Net charge-offs to loans | -0.1513% | 5,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8801% | 112 |
| Assets per employee ($millions) | 4.8329% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3854% | 629 |
| Loan loss allowance to noncurrent loans | 227.3819% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 3,332 |
| Noncurrent loans to loans | 1.0491% | 2,663 |
| Net loans and leases to total assets | 67.1786% | 2,582 |
| Net loans and leases to deposits | 73.6419% | 3,357 |
| Net loans and leases to core deposits | 74.5088% | 3,736 |
| Total domestic deposits to total assets | 91.2234% | 289 |
| Equity capital to assets | 7.8424% | 6,092 |
| Core capital (leverage) ratio | 7.8590% | 6,008 |
| Tier 1 risk-based capital ratio | 11.6660% | 5,456 |
| Total risk-based capital ratio | 12.9293% | 5,353 |
| Memoranda: | ||
| Average total assets | $352,888,500 | 1,884 |
| Average earning assets | $330,991,000 | 1,861 |
| Average equity | $28,429,000 | 2,471 |
| Average total loans | $245,790,000 | 1,771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7105% | 4,751 |
| Cost of funding earning assets | 0.1902% | 5,832 |
| Net interest margin | 3.5202% | 3,717 |
| Noninterest income to average assets | 0.7817% | 1,943 |
| Noninterest expense to average assets | 4.7802% | 366 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.7358% | 6,340 |
| Return on assets (ROA) | -0.7358% | 6,335 |
| Pretax return on assets | -0.7335% | 6,325 |
| Return on Equity (ROE) | -11.4514% | 6,380 |
| Retained earnings to average equity (ytd only) | -11.4514% | 6,339 |
| Net charge-offs to loans | -0.1854% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.0466% | 138 |
| Assets per employee ($millions) | 4.5808% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3540% | 668 |
| Loan loss allowance to noncurrent loans | 238.4647% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.6960% | 3,489 |
| Noncurrent loans to loans | 0.9871% | 2,862 |
| Net loans and leases to total assets | 68.8445% | 2,424 |
| Net loans and leases to deposits | 75.8479% | 3,214 |
| Net loans and leases to core deposits | 76.6447% | 3,646 |
| Total domestic deposits to total assets | 90.7665% | 438 |
| Equity capital to assets | 8.2756% | 5,910 |
| Core capital (leverage) ratio | 8.1418% | 5,900 |
| Tier 1 risk-based capital ratio | 11.5265% | 5,646 |
| Total risk-based capital ratio | 12.7905% | 5,552 |
| Memoranda: | ||
| Average total assets | $342,327,000 | 1,899 |
| Average earning assets | $317,506,800 | 1,888 |
| Average equity | $21,997,400 | 2,948 |
| Average total loans | $227,065,800 | 1,847 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 4,652 |
| Cost of funding earning assets | 0.1942% | 5,880 |
| Net interest margin | 3.5777% | 3,517 |
| Noninterest income to average assets | 0.7795% | 1,969 |
| Noninterest expense to average assets | 4.8388% | 344 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.7545% | 6,434 |
| Return on assets (ROA) | -0.7545% | 6,430 |
| Pretax return on assets | -0.7514% | 6,411 |
| Return on Equity (ROE) | -12.6734% | 6,477 |
| Retained earnings to average equity (ytd only) | -12.6734% | 6,428 |
| Net charge-offs to loans | -0.2301% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2871% | 141 |
| Assets per employee ($millions) | 4.2489% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7163% | 482 |
| Loan loss allowance to noncurrent loans | 197.1841% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 3,276 |
| Noncurrent loans to loans | 1.3775% | 2,349 |
| Net loans and leases to total assets | 60.5010% | 3,701 |
| Net loans and leases to deposits | 64.8523% | 4,448 |
| Net loans and leases to core deposits | 65.4893% | 4,756 |
| Total domestic deposits to total assets | 93.2903% | 67 |
| Equity capital to assets | 5.7041% | 6,499 |
| Core capital (leverage) ratio | 5.7207% | 6,494 |
| Tier 1 risk-based capital ratio | 9.0705% | 6,474 |
| Total risk-based capital ratio | 10.3392% | 6,463 |
| Memoranda: | ||
| Average total assets | $340,872,750 | 1,916 |
| Average earning assets | $315,163,000 | 1,908 |
| Average equity | $20,294,000 | 3,140 |
| Average total loans | $222,468,250 | 1,895 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,616 |
| Cost of funding earning assets | 0.1931% | 5,973 |
| Net interest margin | 3.5786% | 3,446 |
| Noninterest income to average assets | 0.7181% | 2,196 |
| Noninterest expense to average assets | 4.8518% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.8306% | 6,508 |
| Return on assets (ROA) | -0.8306% | 6,507 |
| Pretax return on assets | -0.8306% | 6,495 |
| Return on Equity (ROE) | -13.7602% | 6,541 |
| Retained earnings to average equity (ytd only) | -13.7602% | 6,476 |
| Net charge-offs to loans | -0.1733% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6268% | 138 |
| Assets per employee ($millions) | 4.2098% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5670% | 646 |
| Loan loss allowance to noncurrent loans | 83.8973% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 2.2516% | 1,336 |
| Noncurrent loans to loans | 3.0597% | 935 |
| Net loans and leases to total assets | 62.5949% | 3,306 |
| Net loans and leases to deposits | 67.3257% | 4,133 |
| Net loans and leases to core deposits | 67.9950% | 4,470 |
| Total domestic deposits to total assets | 92.9732% | 83 |
| Equity capital to assets | 5.9139% | 6,538 |
| Core capital (leverage) ratio | 5.7981% | 6,551 |
| Tier 1 risk-based capital ratio | 9.1289% | 6,527 |
| Total risk-based capital ratio | 10.3958% | 6,516 |
| Memoranda: | ||
| Average total assets | $341,193,000 | 1,911 |
| Average earning assets | $314,924,670 | 1,905 |
| Average equity | $20,595,670 | 3,108 |
| Average total loans | $226,160,330 | 1,856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 4,204 |
| Cost of funding earning assets | 0.1860% | 6,108 |
| Net interest margin | 3.6859% | 2,924 |
| Noninterest income to average assets | 0.7723% | 1,867 |
| Noninterest expense to average assets | 4.9330% | 327 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.7536% | 6,530 |
| Return on assets (ROA) | -0.7536% | 6,531 |
| Pretax return on assets | -0.7443% | 6,518 |
| Return on Equity (ROE) | -12.3621% | 6,586 |
| Retained earnings to average equity (ytd only) | -12.3621% | 6,425 |
| Net charge-offs to loans | -0.1697% | 6,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7419% | 194 |
| Assets per employee ($millions) | 4.4629% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 884 |
| Loan loss allowance to noncurrent loans | 80.7698% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1508% | 1,556 |
| Noncurrent loans to loans | 3.0004% | 1,052 |
| Net loans and leases to total assets | 63.9276% | 2,903 |
| Net loans and leases to deposits | 68.7284% | 3,772 |
| Net loans and leases to core deposits | 69.3401% | 4,168 |
| Total domestic deposits to total assets | 93.0148% | 115 |
| Equity capital to assets | 6.0039% | 6,567 |
| Core capital (leverage) ratio | 6.0256% | 6,586 |
| Tier 1 risk-based capital ratio | 9.1691% | 6,585 |
| Total risk-based capital ratio | 10.4346% | 6,572 |
| Memoranda: | ||
| Average total assets | $343,399,500 | 1,911 |
| Average earning assets | $318,291,000 | 1,897 |
| Average equity | $20,935,000 | 3,060 |
| Average total loans | $231,060,000 | 1,814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 3,824 |
| Cost of funding earning assets | 0.1664% | 6,460 |
| Net interest margin | 3.9118% | 2,248 |
| Noninterest income to average assets | 0.9209% | 1,608 |
| Noninterest expense to average assets | 4.9309% | 365 |
| Loan and lease loss provision to assets | 0.0521% | 4,093 |
| Net operating income to assets | -0.4942% | 6,496 |
| Return on assets (ROA) | -0.4916% | 6,501 |
| Pretax return on assets | -0.4509% | 6,471 |
| Return on Equity (ROE) | -7.8054% | 6,549 |
| Retained earnings to average equity (ytd only) | -7.8054% | 6,488 |
| Net charge-offs to loans | 0.1937% | 2,919 |
| Credit loss provision to net charge-offs | 40.5765% | 4,036 |
| Earnings coverage of net charge-offs (x) | -3.1242% | 5,356 |
| Efficiency ratio | 108.6782% | 292 |
| Assets per employee ($millions) | 4.3438% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2609% | 1,093 |
| Loan loss allowance to noncurrent loans | 76.5429% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 2.2229% | 1,602 |
| Noncurrent loans to loans | 2.9538% | 1,167 |
| Net loans and leases to total assets | 67.4980% | 2,437 |
| Net loans and leases to deposits | 72.8066% | 3,417 |
| Net loans and leases to core deposits | 73.6219% | 3,879 |
| Total domestic deposits to total assets | 92.7086% | 168 |
| Equity capital to assets | 6.1890% | 6,603 |
| Core capital (leverage) ratio | 5.8922% | 6,661 |
| Tier 1 risk-based capital ratio | 8.9640% | 6,663 |
| Total risk-based capital ratio | 10.2273% | 6,650 |
| Memoranda: | ||
| Average total assets | $351,074,400 | 1,844 |
| Average earning assets | $323,863,200 | 1,833 |
| Average equity | $22,112,800 | 2,918 |
| Average total loans | $232,876,400 | 1,772 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0470% | 3,950 |
| Cost of funding earning assets | 0.1590% | 6,603 |
| Net interest margin | 3.8880% | 2,318 |
| Noninterest income to average assets | 0.9860% | 1,489 |
| Noninterest expense to average assets | 4.9706% | 343 |
| Loan and lease loss provision to assets | 0.0691% | 3,678 |
| Net operating income to assets | -0.5257% | 6,612 |
| Return on assets (ROA) | -0.5223% | 6,620 |
| Pretax return on assets | -0.4683% | 6,584 |
| Return on Equity (ROE) | -8.2572% | 6,666 |
| Retained earnings to average equity (ytd only) | -8.2572% | 6,604 |
| Net charge-offs to loans | 0.2697% | 2,202 |
| Credit loss provision to net charge-offs | 39.0192% | 3,724 |
| Earnings coverage of net charge-offs (x) | -2.2729% | 5,090 |
| Efficiency ratio | 108.5813% | 288 |
| Assets per employee ($millions) | 4.5179% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2337% | 1,278 |
| Loan loss allowance to noncurrent loans | 66.9173% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.2645% | 1,751 |
| Noncurrent loans to loans | 3.3380% | 1,167 |
| Net loans and leases to total assets | 66.3236% | 2,583 |
| Net loans and leases to deposits | 71.4531% | 3,578 |
| Net loans and leases to core deposits | 72.2317% | 4,061 |
| Total domestic deposits to total assets | 92.8212% | 138 |
| Equity capital to assets | 6.1351% | 6,682 |
| Core capital (leverage) ratio | 5.9392% | 6,723 |
| Tier 1 risk-based capital ratio | 9.0625% | 6,719 |
| Total risk-based capital ratio | 10.3254% | 6,718 |
| Memoranda: | ||
| Average total assets | $353,053,750 | 1,847 |
| Average earning assets | $325,266,750 | 1,836 |
| Average equity | $22,331,500 | 2,923 |
| Average total loans | $231,850,000 | 1,777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,429 |
| Cost of funding earning assets | 0.1635% | 6,656 |
| Net interest margin | 4.0219% | 1,788 |
| Noninterest income to average assets | 1.0677% | 1,344 |
| Noninterest expense to average assets | 5.1037% | 330 |
| Loan and lease loss provision to assets | 0.1036% | 3,067 |
| Net operating income to assets | -0.5169% | 6,640 |
| Return on assets (ROA) | -0.5118% | 6,653 |
| Pretax return on assets | -0.4308% | 6,604 |
| Return on Equity (ROE) | -8.0111% | 6,708 |
| Retained earnings to average equity (ytd only) | -8.0111% | 6,608 |
| Net charge-offs to loans | -0.2824% | 6,742 |
| Credit loss provision to net charge-offs | -56.4815% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6801% | 333 |
| Assets per employee ($millions) | 4.3847% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7290% | 764 |
| Loan loss allowance to noncurrent loans | 64.6433% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 2.8353% | 1,449 |
| Noncurrent loans to loans | 4.2217% | 881 |
| Net loans and leases to total assets | 63.9271% | 2,920 |
| Net loans and leases to deposits | 69.1865% | 3,831 |
| Net loans and leases to core deposits | 69.9668% | 4,282 |
| Total domestic deposits to total assets | 92.3981% | 201 |
| Equity capital to assets | 6.4487% | 6,696 |
| Core capital (leverage) ratio | 6.2336% | 6,730 |
| Tier 1 risk-based capital ratio | 9.8602% | 6,662 |
| Total risk-based capital ratio | 11.1297% | 6,640 |
| Memoranda: | ||
| Average total assets | $353,272,330 | 1,844 |
| Average earning assets | $325,322,000 | 1,840 |
| Average equity | $22,568,670 | 2,919 |
| Average total loans | $229,445,670 | 1,790 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,929 |
| Cost of funding earning assets | 0.1781% | 6,684 |
| Net interest margin | 4.1106% | 1,426 |
| Noninterest income to average assets | 1.2705% | 948 |
| Noninterest expense to average assets | 5.1980% | 321 |
| Loan and lease loss provision to assets | 0.2040% | 1,817 |
| Net operating income to assets | -0.5082% | 6,673 |
| Return on assets (ROA) | -0.4982% | 6,693 |
| Pretax return on assets | -0.3399% | 6,613 |
| Return on Equity (ROE) | -7.8333% | 6,759 |
| Retained earnings to average equity (ytd only) | -7.8333% | 6,513 |
| Net charge-offs to loans | -0.0052% | 5,277 |
| Credit loss provision to net charge-offs | -6,100.0000% | 5,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8237% | 461 |
| Assets per employee ($millions) | 4.3558% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5390% | 1,073 |
| Loan loss allowance to noncurrent loans | 58.0951% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 3.4987% | 1,215 |
| Noncurrent loans to loans | 4.3704% | 978 |
| Net loans and leases to total assets | 65.6748% | 2,431 |
| Net loans and leases to deposits | 71.1517% | 3,301 |
| Net loans and leases to core deposits | 72.0838% | 3,810 |
| Total domestic deposits to total assets | 92.3024% | 201 |
| Equity capital to assets | 6.6515% | 6,770 |
| Core capital (leverage) ratio | 6.0885% | 6,793 |
| Tier 1 risk-based capital ratio | 9.7871% | 6,721 |
| Total risk-based capital ratio | 11.0537% | 6,705 |
| Memoranda: | ||
| Average total assets | $358,905,000 | 1,843 |
| Average earning assets | $330,168,000 | 1,835 |
| Average equity | $22,825,500 | 2,944 |
| Average total loans | $231,784,000 | 1,781 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2227% | 4,498 |
| Cost of funding earning assets | 0.2091% | 6,811 |
| Net interest margin | 4.0136% | 2,344 |
| Noninterest income to average assets | 1.1483% | 1,185 |
| Noninterest expense to average assets | 5.4509% | 279 |
| Loan and lease loss provision to assets | 0.3734% | 1,755 |
| Net operating income to assets | -1.0396% | 6,755 |
| Return on assets (ROA) | -1.0023% | 6,760 |
| Pretax return on assets | -1.0023% | 6,736 |
| Return on Equity (ROE) | -14.5430% | 6,818 |
| Retained earnings to average equity (ytd only) | -14.5430% | 6,767 |
| Net charge-offs to loans | 1.4441% | 632 |
| Credit loss provision to net charge-offs | 39.7995% | 4,940 |
| Earnings coverage of net charge-offs (x) | -0.7102% | 5,713 |
| Efficiency ratio | 113.7399% | 281 |
| Assets per employee ($millions) | 4.5006% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3979% | 1,231 |
| Loan loss allowance to noncurrent loans | 57.8747% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 3.0689% | 1,535 |
| Noncurrent loans to loans | 4.1433% | 1,104 |
| Net loans and leases to total assets | 60.5720% | 3,502 |
| Net loans and leases to deposits | 65.1780% | 4,394 |
| Net loans and leases to core deposits | 65.9343% | 4,744 |
| Total domestic deposits to total assets | 92.9333% | 138 |
| Equity capital to assets | 6.0975% | 6,886 |
| Core capital (leverage) ratio | 6.1298% | 6,843 |
| Tier 1 risk-based capital ratio | 9.4485% | 6,811 |
| Total risk-based capital ratio | 10.7134% | 6,802 |
| Memoranda: | ||
| Average total assets | $361,573,600 | 1,797 |
| Average earning assets | $327,584,000 | 1,809 |
| Average equity | $24,919,200 | 2,662 |
| Average total loans | $234,891,200 | 1,738 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 4,559 |
| Cost of funding earning assets | 0.2143% | 6,918 |
| Net interest margin | 4.0604% | 2,255 |
| Noninterest income to average assets | 1.2070% | 1,035 |
| Noninterest expense to average assets | 5.8326% | 231 |
| Loan and lease loss provision to assets | 0.0560% | 5,036 |
| Net operating income to assets | -1.0134% | 6,863 |
| Return on assets (ROA) | -0.9631% | 6,879 |
| Pretax return on assets | -0.9631% | 6,856 |
| Return on Equity (ROE) | -13.5609% | 6,913 |
| Retained earnings to average equity (ytd only) | -13.5609% | 6,883 |
| Net charge-offs to loans | -0.2145% | 7,006 |
| Credit loss provision to net charge-offs | -39.6825% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.5792% | 198 |
| Assets per employee ($millions) | 4.1505% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4941% | 473 |
| Loan loss allowance to noncurrent loans | 87.0341% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 3.2347% | 1,587 |
| Noncurrent loans to loans | 4.0146% | 1,273 |
| Net loans and leases to total assets | 63.4195% | 3,133 |
| Net loans and leases to deposits | 68.9134% | 4,044 |
| Net loans and leases to core deposits | 69.7260% | 4,530 |
| Total domestic deposits to total assets | 92.0278% | 204 |
| Equity capital to assets | 6.7577% | 6,913 |
| Core capital (leverage) ratio | 6.6280% | 6,862 |
| Tier 1 risk-based capital ratio | 9.9906% | 6,802 |
| Total risk-based capital ratio | 11.2705% | 6,775 |
| Memoranda: | ||
| Average total assets | $357,453,500 | 1,841 |
| Average earning assets | $322,912,000 | 1,857 |
| Average equity | $25,386,000 | 2,649 |
| Average total loans | $234,958,750 | 1,759 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2711% | 4,684 |
| Cost of funding earning assets | 0.2144% | 7,000 |
| Net interest margin | 4.0566% | 2,262 |
| Noninterest income to average assets | 1.2348% | 934 |
| Noninterest expense to average assets | 5.9934% | 219 |
| Loan and lease loss provision to assets | 0.0839% | 4,546 |
| Net operating income to assets | -1.1711% | 6,950 |
| Return on assets (ROA) | -1.0956% | 6,952 |
| Pretax return on assets | -1.0956% | 6,923 |
| Return on Equity (ROE) | -15.1815% | 6,975 |
| Retained earnings to average equity (ytd only) | -15.1815% | 6,937 |
| Net charge-offs to loans | -0.7044% | 7,164 |
| Credit loss provision to net charge-offs | -18.1159% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.1133% | 215 |
| Assets per employee ($millions) | 3.7919% | 4,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7988% | 394 |
| Loan loss allowance to noncurrent loans | 102.5620% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 3.0270% | 1,820 |
| Noncurrent loans to loans | 3.7039% | 1,531 |
| Net loans and leases to total assets | 62.7703% | 3,274 |
| Net loans and leases to deposits | 68.5587% | 4,113 |
| Net loans and leases to core deposits | 69.3664% | 4,617 |
| Total domestic deposits to total assets | 91.5570% | 302 |
| Equity capital to assets | 7.0946% | 6,891 |
| Core capital (leverage) ratio | 7.0621% | 6,801 |
| Tier 1 risk-based capital ratio | 10.3934% | 6,728 |
| Total risk-based capital ratio | 11.6766% | 6,707 |
| Memoranda: | ||
| Average total assets | $357,624,000 | 1,839 |
| Average earning assets | $323,666,330 | 1,855 |
| Average equity | $25,807,670 | 2,595 |
| Average total loans | $235,089,330 | 1,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3325% | 4,598 |
| Cost of funding earning assets | 0.2146% | 7,080 |
| Net interest margin | 4.1179% | 2,034 |
| Noninterest income to average assets | 1.6917% | 520 |
| Noninterest expense to average assets | 5.3678% | 287 |
| Loan and lease loss provision to assets | 0.1657% | 3,316 |
| Net operating income to assets | -0.1094% | 6,553 |
| Return on assets (ROA) | 0.0398% | 6,469 |
| Pretax return on assets | 0.0398% | 6,468 |
| Return on Equity (ROE) | 0.5468% | 6,429 |
| Retained earnings to average equity (ytd only) | 0.5468% | 5,825 |
| Net charge-offs to loans | -0.9580% | 7,211 |
| Credit loss provision to net charge-offs | -26.2238% | 5,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9204% | 592 |
| Assets per employee ($millions) | 3.7058% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6110% | 494 |
| Loan loss allowance to noncurrent loans | 65.8945% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 4.5645% | 1,165 |
| Noncurrent loans to loans | 5.4800% | 972 |
| Net loans and leases to total assets | 65.6964% | 2,521 |
| Net loans and leases to deposits | 72.3711% | 3,370 |
| Net loans and leases to core deposits | 73.4885% | 3,961 |
| Total domestic deposits to total assets | 90.7771% | 653 |
| Equity capital to assets | 7.7238% | 6,678 |
| Core capital (leverage) ratio | 7.1031% | 6,801 |
| Tier 1 risk-based capital ratio | 11.3018% | 6,389 |
| Total risk-based capital ratio | 12.5841% | 6,353 |
| Memoranda: | ||
| Average total assets | $362,008,000 | 1,827 |
| Average earning assets | $328,128,000 | 1,838 |
| Average equity | $26,336,500 | 2,545 |
| Average total loans | $238,821,500 | 1,729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 2,998 |
| Cost of funding earning assets | 0.2652% | 7,159 |
| Net interest margin | 4.7098% | 737 |
| Noninterest income to average assets | 1.0096% | 1,344 |
| Noninterest expense to average assets | 6.0405% | 206 |
| Loan and lease loss provision to assets | 2.6226% | 161 |
| Net operating income to assets | -4.2494% | 7,266 |
| Return on assets (ROA) | -4.0934% | 7,264 |
| Pretax return on assets | -3.2698% | 7,215 |
| Return on Equity (ROE) | -45.2166% | 7,185 |
| Retained earnings to average equity (ytd only) | -45.2166% | 7,182 |
| Net charge-offs to loans | 3.8079% | 176 |
| Credit loss provision to net charge-offs | 99.8378% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.3058% | 6,008 |
| Efficiency ratio | 115.1551% | 352 |
| Assets per employee ($millions) | 4.1192% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1264% | 727 |
| Loan loss allowance to noncurrent loans | 116.6058% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 2.4885% | 2,445 |
| Noncurrent loans to loans | 2.6811% | 2,426 |
| Net loans and leases to total assets | 62.0240% | 3,595 |
| Net loans and leases to deposits | 67.5397% | 4,506 |
| Net loans and leases to core deposits | 69.0667% | 4,899 |
| Total domestic deposits to total assets | 91.8333% | 260 |
| Equity capital to assets | 6.8758% | 6,992 |
| Core capital (leverage) ratio | 6.9166% | 6,889 |
| Tier 1 risk-based capital ratio | 10.4763% | 6,695 |
| Total risk-based capital ratio | 11.7493% | 6,664 |
| Memoranda: | ||
| Average total assets | $375,583,200 | 1,732 |
| Average earning assets | $337,125,000 | 1,759 |
| Average equity | $34,000,800 | 1,967 |
| Average total loans | $259,093,200 | 1,627 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 2,785 |
| Cost of funding earning assets | 0.2736% | 7,257 |
| Net interest margin | 4.7901% | 638 |
| Noninterest income to average assets | 1.0486% | 1,221 |
| Noninterest expense to average assets | 5.9043% | 211 |
| Loan and lease loss provision to assets | 2.7115% | 143 |
| Net operating income to assets | -3.2895% | 7,296 |
| Return on assets (ROA) | -3.1585% | 7,290 |
| Pretax return on assets | -3.1453% | 7,283 |
| Return on Equity (ROE) | -32.8647% | 7,217 |
| Retained earnings to average equity (ytd only) | -32.8647% | 7,210 |
| Net charge-offs to loans | 3.4096% | 242 |
| Credit loss provision to net charge-offs | 113.1963% | 2,889 |
| Earnings coverage of net charge-offs (x) | -0.2358% | 5,737 |
| Efficiency ratio | 110.3501% | 423 |
| Assets per employee ($millions) | 3.7257% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4051% | 610 |
| Loan loss allowance to noncurrent loans | 69.5956% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 4.2922% | 1,416 |
| Noncurrent loans to loans | 4.8927% | 1,292 |
| Net loans and leases to total assets | 63.3527% | 3,445 |
| Net loans and leases to deposits | 70.2950% | 4,251 |
| Net loans and leases to core deposits | 71.9180% | 4,724 |
| Total domestic deposits to total assets | 90.1241% | 801 |
| Equity capital to assets | 8.5620% | 6,236 |
| Core capital (leverage) ratio | 8.5958% | 5,559 |
| Tier 1 risk-based capital ratio | 12.2593% | 5,694 |
| Total risk-based capital ratio | 13.5357% | 5,664 |
| Memoranda: | ||
| Average total assets | $373,708,750 | 1,741 |
| Average earning assets | $334,768,000 | 1,781 |
| Average equity | $35,916,000 | 1,884 |
| Average total loans | $262,549,000 | 1,616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 2,539 |
| Cost of funding earning assets | 0.2928% | 7,319 |
| Net interest margin | 4.8393% | 570 |
| Noninterest income to average assets | 0.9569% | 1,441 |
| Noninterest expense to average assets | 5.9001% | 204 |
| Loan and lease loss provision to assets | 3.5101% | 108 |
| Net operating income to assets | -4.1429% | 7,400 |
| Return on assets (ROA) | -3.9723% | 7,392 |
| Pretax return on assets | -3.9723% | 7,387 |
| Return on Equity (ROE) | -39.8311% | 7,304 |
| Retained earnings to average equity (ytd only) | -39.8311% | 7,299 |
| Net charge-offs to loans | 4.2056% | 180 |
| Credit loss provision to net charge-offs | 116.1336% | 2,639 |
| Earnings coverage of net charge-offs (x) | -0.2094% | 5,412 |
| Efficiency ratio | 111.6978% | 450 |
| Assets per employee ($millions) | 3.5162% | 4,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3419% | 676 |
| Loan loss allowance to noncurrent loans | 93.8272% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 3.7639% | 1,734 |
| Noncurrent loans to loans | 3.5618% | 1,986 |
| Net loans and leases to total assets | 67.9235% | 2,631 |
| Net loans and leases to deposits | 75.8478% | 3,508 |
| Net loans and leases to core deposits | 77.5193% | 4,111 |
| Total domestic deposits to total assets | 89.5523% | 1,217 |
| Equity capital to assets | 9.3416% | 5,091 |
| Core capital (leverage) ratio | 9.3022% | 4,250 |
| Tier 1 risk-based capital ratio | 12.7141% | 5,165 |
| Total risk-based capital ratio | 13.9917% | 5,114 |
| Memoranda: | ||
| Average total assets | $370,364,330 | 1,767 |
| Average earning assets | $329,885,330 | 1,810 |
| Average equity | $36,936,000 | 1,813 |
| Average total loans | $266,171,670 | 1,621 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 2,528 |
| Cost of funding earning assets | 0.3134% | 7,367 |
| Net interest margin | 4.8137% | 554 |
| Noninterest income to average assets | 0.9498% | 1,472 |
| Noninterest expense to average assets | 5.4102% | 274 |
| Loan and lease loss provision to assets | 6.8687% | 34 |
| Net operating income to assets | -7.0448% | 7,526 |
| Return on assets (ROA) | -7.0448% | 7,526 |
| Pretax return on assets | -7.0426% | 7,524 |
| Return on Equity (ROE) | -68.5115% | 7,464 |
| Retained earnings to average equity (ytd only) | -68.5115% | 7,456 |
| Net charge-offs to loans | 7.5814% | 61 |
| Credit loss provision to net charge-offs | 124.7077% | 2,213 |
| Earnings coverage of net charge-offs (x) | -0.0316% | 4,604 |
| Efficiency ratio | 103.1359% | 647 |
| Assets per employee ($millions) | 3.6069% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3344% | 695 |
| Loan loss allowance to noncurrent loans | 108.6935% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 3.6493% | 1,858 |
| Noncurrent loans to loans | 3.0677% | 2,446 |
| Net loans and leases to total assets | 71.2408% | 1,874 |
| Net loans and leases to deposits | 79.5577% | 2,800 |
| Net loans and leases to core deposits | 83.3561% | 3,246 |
| Total domestic deposits to total assets | 89.5461% | 1,454 |
| Equity capital to assets | 9.6164% | 4,295 |
| Core capital (leverage) ratio | 9.2650% | 4,178 |
| Tier 1 risk-based capital ratio | 12.2718% | 5,461 |
| Total risk-based capital ratio | 13.5496% | 5,431 |
| Memoranda: | ||
| Average total assets | $372,702,500 | 1,771 |
| Average earning assets | $331,884,500 | 1,806 |
| Average equity | $38,323,500 | 1,739 |
| Average total loans | $270,769,500 | 1,619 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8422% | 1,169 |
| Cost of funding earning assets | 0.4724% | 7,339 |
| Net interest margin | 5.3697% | 214 |
| Noninterest income to average assets | 0.9540% | 1,656 |
| Noninterest expense to average assets | 4.7734% | 516 |
| Loan and lease loss provision to assets | 2.5396% | 430 |
| Net operating income to assets | -1.4631% | 6,899 |
| Return on assets (ROA) | -1.4640% | 6,919 |
| Pretax return on assets | -1.5940% | 6,891 |
| Return on Equity (ROE) | -12.3160% | 6,821 |
| Retained earnings to average equity (ytd only) | -14.0279% | 6,842 |
| Net charge-offs to loans | 3.3917% | 437 |
| Credit loss provision to net charge-offs | 95.1116% | 4,890 |
| Earnings coverage of net charge-offs (x) | 0.3545% | 5,748 |
| Efficiency ratio | 83.2989% | 2,017 |
| Assets per employee ($millions) | 3.7364% | 4,390 |
| Cash dividends to net income (ytd only)* | -13.8996% | 7,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8140% | 1,037 |
| Loan loss allowance to noncurrent loans | 97.1920% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 3.4998% | 1,980 |
| Noncurrent loans to loans | 2.8953% | 2,628 |
| Net loans and leases to total assets | 69.6325% | 2,624 |
| Net loans and leases to deposits | 79.0808% | 3,327 |
| Net loans and leases to core deposits | 83.3832% | 3,688 |
| Total domestic deposits to total assets | 88.0523% | 2,212 |
| Equity capital to assets | 10.9194% | 2,758 |
| Core capital (leverage) ratio | 10.5841% | 2,474 |
| Tier 1 risk-based capital ratio | 13.6021% | 4,131 |
| Total risk-based capital ratio | 14.8685% | 4,088 |
| Memoranda: | ||
| Average total assets | $389,200,600 | 1,693 |
| Average earning assets | $345,437,000 | 1,731 |
| Average equity | $46,265,000 | 1,451 |
| Average total loans | $306,392,800 | 1,464 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9231% | 1,079 |
| Cost of funding earning assets | 0.5038% | 7,439 |
| Net interest margin | 5.4193% | 197 |
| Noninterest income to average assets | 0.6850% | 2,908 |
| Noninterest expense to average assets | 4.5855% | 543 |
| Loan and lease loss provision to assets | 1.1758% | 1,222 |
| Net operating income to assets | -0.2737% | 6,401 |
| Return on assets (ROA) | -0.2740% | 6,455 |
| Pretax return on assets | -0.2740% | 6,388 |
| Return on Equity (ROE) | -2.2602% | 6,429 |
| Retained earnings to average equity (ytd only) | -3.9470% | 6,459 |
| Net charge-offs to loans | 1.2358% | 1,652 |
| Credit loss provision to net charge-offs | 118.2722% | 3,508 |
| Earnings coverage of net charge-offs (x) | 0.9074% | 5,149 |
| Efficiency ratio | 83.4865% | 1,893 |
| Assets per employee ($millions) | 3.9041% | 4,028 |
| Cash dividends to net income (ytd only)* | -74.6271% | 7,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8619% | 945 |
| Loan loss allowance to noncurrent loans | 54.2768% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 5.5294% | 1,112 |
| Noncurrent loans to loans | 5.2727% | 1,287 |
| Net loans and leases to total assets | 73.6451% | 1,876 |
| Net loans and leases to deposits | 84.2660% | 2,656 |
| Net loans and leases to core deposits | 89.9181% | 3,105 |
| Total domestic deposits to total assets | 87.3960% | 2,319 |
| Equity capital to assets | 11.8150% | 2,272 |
| Core capital (leverage) ratio | 11.3817% | 2,022 |
| Tier 1 risk-based capital ratio | 13.6697% | 4,073 |
| Total risk-based capital ratio | 14.9376% | 4,017 |
| Memoranda: | ||
| Average total assets | $391,223,000 | 1,710 |
| Average earning assets | $346,701,250 | 1,751 |
| Average equity | $47,427,500 | 1,419 |
| Average total loans | $314,725,750 | 1,440 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1670% | 663 |
| Cost of funding earning assets | 0.5351% | 7,498 |
| Net interest margin | 5.6319% | 145 |
| Noninterest income to average assets | 0.7131% | 2,632 |
| Noninterest expense to average assets | 4.5321% | 549 |
| Loan and lease loss provision to assets | 1.7028% | 734 |
| Net operating income to assets | -0.5521% | 6,698 |
| Return on assets (ROA) | -0.5526% | 6,731 |
| Pretax return on assets | -0.5526% | 6,628 |
| Return on Equity (ROE) | -4.5190% | 6,655 |
| Retained earnings to average equity (ytd only) | -6.2068% | 6,672 |
| Net charge-offs to loans | 1.6855% | 1,109 |
| Credit loss provision to net charge-offs | 123.1343% | 3,280 |
| Earnings coverage of net charge-offs (x) | 0.8321% | 4,939 |
| Efficiency ratio | 79.6786% | 2,481 |
| Assets per employee ($millions) | 3.8882% | 4,008 |
| Cash dividends to net income (ytd only)* | -37.3483% | 7,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8198% | 983 |
| Loan loss allowance to noncurrent loans | 133.1470% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 3.2870% | 2,141 |
| Noncurrent loans to loans | 2.1178% | 3,570 |
| Net loans and leases to total assets | 78.9032% | 975 |
| Net loans and leases to deposits | 90.9490% | 1,698 |
| Net loans and leases to core deposits | 97.2642% | 2,302 |
| Total domestic deposits to total assets | 86.7554% | 2,672 |
| Equity capital to assets | 12.2649% | 1,944 |
| Core capital (leverage) ratio | 11.6974% | 1,807 |
| Tier 1 risk-based capital ratio | 13.3905% | 4,141 |
| Total risk-based capital ratio | 14.6582% | 4,097 |
| Memoranda: | ||
| Average total assets | $387,588,670 | 1,740 |
| Average earning assets | $342,015,330 | 1,789 |
| Average equity | $47,399,670 | 1,417 |
| Average total loans | $318,010,670 | 1,436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0732% | 830 |
| Cost of funding earning assets | 0.5756% | 7,569 |
| Net interest margin | 5.4975% | 180 |
| Noninterest income to average assets | 0.6603% | 2,877 |
| Noninterest expense to average assets | 4.3372% | 690 |
| Loan and lease loss provision to assets | 3.0341% | 326 |
| Net operating income to assets | -1.8585% | 7,427 |
| Return on assets (ROA) | -1.8595% | 7,431 |
| Pretax return on assets | -1.8595% | 7,373 |
| Return on Equity (ROE) | -15.2273% | 7,319 |
| Retained earnings to average equity (ytd only) | -16.9118% | 7,281 |
| Net charge-offs to loans | 3.4270% | 418 |
| Credit loss provision to net charge-offs | 107.3508% | 3,202 |
| Earnings coverage of net charge-offs (x) | 0.4159% | 4,661 |
| Efficiency ratio | 78.6007% | 2,791 |
| Assets per employee ($millions) | 4.1493% | 3,563 |
| Cash dividends to net income (ytd only)* | -11.0619% | 7,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6653% | 1,109 |
| Loan loss allowance to noncurrent loans | 91.1500% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 3.9265% | 1,760 |
| Noncurrent loans to loans | 2.9240% | 2,754 |
| Net loans and leases to total assets | 79.4400% | 920 |
| Net loans and leases to deposits | 93.7126% | 1,379 |
| Net loans and leases to core deposits | 99.1824% | 2,218 |
| Total domestic deposits to total assets | 84.7699% | 3,772 |
| Equity capital to assets | 12.0683% | 2,008 |
| Core capital (leverage) ratio | 11.5819% | 1,865 |
| Tier 1 risk-based capital ratio | 12.9876% | 4,342 |
| Total risk-based capital ratio | 14.2496% | 4,305 |
| Memoranda: | ||
| Average total assets | $388,915,500 | 1,774 |
| Average earning assets | $343,281,000 | 1,822 |
| Average equity | $47,493,500 | 1,416 |
| Average total loans | $320,746,500 | 1,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1087% | 1,492 |
| Cost of funding earning assets | 0.9647% | 7,275 |
| Net interest margin | 5.1441% | 329 |
| Noninterest income to average assets | 0.5725% | 3,837 |
| Noninterest expense to average assets | 4.2848% | 1,007 |
| Loan and lease loss provision to assets | 2.5915% | 753 |
| Net operating income to assets | -0.9883% | 6,570 |
| Return on assets (ROA) | -0.9029% | 6,511 |
| Pretax return on assets | -1.5506% | 6,731 |
| Return on Equity (ROE) | -7.4317% | 6,425 |
| Retained earnings to average equity (ytd only) | -8.2217% | 6,366 |
| Net charge-offs to loans | 2.7136% | 832 |
| Credit loss provision to net charge-offs | 113.2550% | 4,840 |
| Earnings coverage of net charge-offs (x) | 0.4142% | 5,693 |
| Efficiency ratio | 81.7261% | 2,640 |
| Assets per employee ($millions) | 4.4039% | 3,101 |
| Cash dividends to net income (ytd only)* | -10.6298% | 7,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5086% | 1,214 |
| Loan loss allowance to noncurrent loans | 92.8062% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 2,051 |
| Noncurrent loans to loans | 2.7031% | 2,849 |
| Net loans and leases to total assets | 81.2254% | 805 |
| Net loans and leases to deposits | 95.0964% | 1,446 |
| Net loans and leases to core deposits | 132.7912% | 1,125 |
| Total domestic deposits to total assets | 85.4138% | 3,349 |
| Equity capital to assets | 12.3530% | 1,820 |
| Core capital (leverage) ratio | 11.7502% | 1,784 |
| Tier 1 risk-based capital ratio | 13.2231% | 3,998 |
| Total risk-based capital ratio | 14.5344% | 3,899 |
| Memoranda: | ||
| Average total assets | $416,750,200 | 1,656 |
| Average earning assets | $377,541,000 | 1,667 |
| Average equity | $50,634,400 | 1,322 |
| Average total loans | $351,410,600 | 1,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8323% | 2,742 |
| Cost of funding earning assets | 1.0394% | 7,308 |
| Net interest margin | 4.7930% | 693 |
| Noninterest income to average assets | 0.4880% | 4,600 |
| Noninterest expense to average assets | 4.1129% | 1,125 |
| Loan and lease loss provision to assets | 1.9103% | 962 |
| Net operating income to assets | -0.7177% | 6,619 |
| Return on assets (ROA) | -0.5885% | 6,514 |
| Pretax return on assets | -1.0166% | 6,702 |
| Return on Equity (ROE) | -4.8629% | 6,436 |
| Retained earnings to average equity (ytd only) | -5.9048% | 6,378 |
| Net charge-offs to loans | 2.1762% | 889 |
| Credit loss provision to net charge-offs | 103.8205% | 4,902 |
| Earnings coverage of net charge-offs (x) | 0.4033% | 5,626 |
| Efficiency ratio | 84.5140% | 2,239 |
| Assets per employee ($millions) | 4.5956% | 2,702 |
| Cash dividends to net income (ytd only)* | -21.4248% | 7,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0220% | 1,748 |
| Loan loss allowance to noncurrent loans | 29.1592% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 6.5799% | 758 |
| Noncurrent loans to loans | 6.9344% | 778 |
| Net loans and leases to total assets | 82.8578% | 687 |
| Net loans and leases to deposits | 101.8925% | 931 |
| Net loans and leases to core deposits | 152.6474% | 520 |
| Total domestic deposits to total assets | 81.3188% | 4,954 |
| Equity capital to assets | 12.0747% | 2,205 |
| Core capital (leverage) ratio | 12.1715% | 1,721 |
| Tier 1 risk-based capital ratio | 12.8154% | 4,314 |
| Total risk-based capital ratio | 14.0632% | 4,255 |
| Memoranda: | ||
| Average total assets | $422,951,500 | 1,651 |
| Average earning assets | $385,358,500 | 1,654 |
| Average equity | $51,188,750 | 1,321 |
| Average total loans | $357,625,500 | 1,365 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 3,756 |
| Cost of funding earning assets | 1.1263% | 7,312 |
| Net interest margin | 4.5360% | 1,087 |
| Noninterest income to average assets | 0.4782% | 4,644 |
| Noninterest expense to average assets | 4.0849% | 1,208 |
| Loan and lease loss provision to assets | 2.5802% | 598 |
| Net operating income to assets | -1.1677% | 7,094 |
| Return on assets (ROA) | -1.1165% | 7,065 |
| Pretax return on assets | -1.9697% | 7,280 |
| Return on Equity (ROE) | -9.2183% | 6,979 |
| Retained earnings to average equity (ytd only) | -9.9962% | 6,874 |
| Net charge-offs to loans | 2.9860% | 548 |
| Credit loss provision to net charge-offs | 102.2019% | 4,479 |
| Earnings coverage of net charge-offs (x) | 0.2105% | 5,460 |
| Efficiency ratio | 88.3151% | 1,974 |
| Assets per employee ($millions) | 4.6687% | 2,501 |
| Cash dividends to net income (ytd only)* | -8.4388% | 7,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0044% | 1,557 |
| Loan loss allowance to noncurrent loans | 26.9034% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 8.0890% | 464 |
| Noncurrent loans to loans | 7.4504% | 630 |
| Net loans and leases to total assets | 82.9038% | 801 |
| Net loans and leases to deposits | 96.5657% | 1,716 |
| Net loans and leases to core deposits | 151.2489% | 620 |
| Total domestic deposits to total assets | 85.8522% | 2,862 |
| Equity capital to assets | 11.9657% | 2,225 |
| Core capital (leverage) ratio | 11.7831% | 1,930 |
| Tier 1 risk-based capital ratio | 12.6267% | 4,418 |
| Total risk-based capital ratio | 13.8537% | 4,359 |
| Memoranda: | ||
| Average total assets | $424,536,670 | 1,670 |
| Average earning assets | $387,300,330 | 1,673 |
| Average equity | $51,419,670 | 1,329 |
| Average total loans | $358,947,670 | 1,391 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6307% | 4,172 |
| Cost of funding earning assets | 1.1930% | 7,314 |
| Net interest margin | 4.4378% | 1,253 |
| Noninterest income to average assets | 0.4317% | 4,950 |
| Noninterest expense to average assets | 3.5959% | 1,877 |
| Loan and lease loss provision to assets | 0.6992% | 1,815 |
| Net operating income to assets | 0.1492% | 5,825 |
| Return on assets (ROA) | 0.1855% | 5,874 |
| Pretax return on assets | 0.2620% | 5,779 |
| Return on Equity (ROE) | 1.5229% | 5,951 |
| Retained earnings to average equity (ytd only) | 1.5229% | 4,997 |
| Net charge-offs to loans | 1.7328% | 835 |
| Credit loss provision to net charge-offs | 47.7403% | 4,713 |
| Earnings coverage of net charge-offs (x) | 0.6219% | 4,494 |
| Efficiency ratio | 79.6442% | 2,874 |
| Assets per employee ($millions) | 4.8085% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,242 |
| Loan loss allowance to noncurrent loans | 25.9046% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 6.5253% | 568 |
| Noncurrent loans to loans | 6.4463% | 696 |
| Net loans and leases to total assets | 82.1821% | 986 |
| Net loans and leases to deposits | 95.5502% | 2,020 |
| Net loans and leases to core deposits | 151.3309% | 663 |
| Total domestic deposits to total assets | 86.0094% | 2,714 |
| Equity capital to assets | 11.9612% | 2,288 |
| Core capital (leverage) ratio | 12.6654% | 1,620 |
| Tier 1 risk-based capital ratio | 12.5724% | 4,497 |
| Total risk-based capital ratio | 13.8644% | 4,380 |
| Memoranda: | ||
| Average total assets | $429,048,000 | 1,660 |
| Average earning assets | $393,979,500 | 1,658 |
| Average equity | $52,270,000 | 1,307 |
| Average total loans | $362,660,000 | 1,390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4674% | 438 |
| Cost of funding earning assets | 1.7018% | 7,257 |
| Net interest margin | 5.7656% | 140 |
| Noninterest income to average assets | 0.5953% | 3,866 |
| Noninterest expense to average assets | 3.6695% | 2,008 |
| Loan and lease loss provision to assets | 1.2902% | 1,103 |
| Net operating income to assets | 0.9618% | 2,736 |
| Return on assets (ROA) | 0.2106% | 5,637 |
| Pretax return on assets | 0.1944% | 5,745 |
| Return on Equity (ROE) | 1.8281% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.8281% | 4,096 |
| Net charge-offs to loans | 0.6783% | 1,815 |
| Credit loss provision to net charge-offs | 222.2721% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.8518% | 4,206 |
| Efficiency ratio | 61.9527% | 5,958 |
| Assets per employee ($millions) | 4.6211% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9263% | 1,367 |
| Loan loss allowance to noncurrent loans | 42.6539% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.4901% | 838 |
| Noncurrent loans to loans | 4.5160% | 1,057 |
| Net loans and leases to total assets | 83.8668% | 902 |
| Net loans and leases to deposits | 105.3134% | 1,188 |
| Net loans and leases to core deposits | 154.1615% | 710 |
| Total domestic deposits to total assets | 79.6354% | 5,154 |
| Equity capital to assets | 12.4133% | 2,059 |
| Core capital (leverage) ratio | 12.8871% | 1,582 |
| Tier 1 risk-based capital ratio | 13.3906% | 3,877 |
| Total risk-based capital ratio | 14.6999% | 3,752 |
| Memoranda: | ||
| Average total assets | $383,651,200 | 1,765 |
| Average earning assets | $353,335,600 | 1,752 |
| Average equity | $44,200,000 | 1,525 |
| Average total loans | $328,340,800 | 1,481 |