Home > New Jersey Community Bank > Performance and Condition Ratios
New Jersey Community Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 3,047 |
| Cost of funding earning assets | 1.0354% | 315 |
| Net interest margin | 3.1190% | 4,663 |
| Noninterest income to average assets | 0.2119% | 4,738 |
| Noninterest expense to average assets | 4.2056% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.1074% | 5,539 |
| Return on assets (ROA) | -1.1074% | 5,538 |
| Pretax return on assets | -1.1034% | 5,539 |
| Return on Equity (ROE) | -12.6571% | 5,548 |
| Retained earnings to average equity (ytd only) | -12.6571% | 5,422 |
| Net charge-offs to loans | 0.1479% | 941 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -9.5172% | 2,701 |
| Efficiency ratio | 135.5670% | 43 |
| Assets per employee ($millions) | 4.8498% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 667 |
| Loan loss allowance to noncurrent loans | 103.0049% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 1.4753% | 954 |
| Noncurrent loans to loans | 1.8370% | 904 |
| Net loans and leases to total assets | 78.7898% | 1,118 |
| Net loans and leases to deposits | 86.9698% | 2,053 |
| Net loans and leases to core deposits | 91.4315% | 2,339 |
| Total domestic deposits to total assets | 90.5945% | 446 |
| Equity capital to assets | 8.8540% | 4,703 |
| Core capital (leverage) ratio | 8.6919% | 4,997 |
| Tier 1 risk-based capital ratio | 11.0672% | 5,102 |
| Total risk-based capital ratio | 12.3241% | 4,995 |
| Memoranda: | ||
| Average total assets | $100,058,000 | 4,217 |
| Average earning assets | $92,721,000 | 4,215 |
| Average equity | $8,754,000 | 4,616 |
| Average total loans | $78,444,500 | 3,771 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,045 |
| Cost of funding earning assets | 0.9381% | 303 |
| Net interest margin | 3.1651% | 4,532 |
| Noninterest income to average assets | 0.2576% | 4,596 |
| Noninterest expense to average assets | 4.3361% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.1558% | 5,604 |
| Return on assets (ROA) | -1.1558% | 5,604 |
| Pretax return on assets | -1.1415% | 5,609 |
| Return on Equity (ROE) | -12.6189% | 5,615 |
| Retained earnings to average equity (ytd only) | -12.6189% | 5,573 |
| Net charge-offs to loans | 0.1328% | 1,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -11.3524% | 4,090 |
| Efficiency ratio | 135.7314% | 38 |
| Assets per employee ($millions) | 4.9105% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9027% | 645 |
| Loan loss allowance to noncurrent loans | 100.8725% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 969 |
| Noncurrent loans to loans | 1.8863% | 832 |
| Net loans and leases to total assets | 75.1445% | 1,734 |
| Net loans and leases to deposits | 82.7035% | 2,642 |
| Net loans and leases to core deposits | 90.1507% | 2,556 |
| Total domestic deposits to total assets | 90.8602% | 279 |
| Equity capital to assets | 8.6501% | 4,990 |
| Core capital (leverage) ratio | 8.6749% | 4,976 |
| Tier 1 risk-based capital ratio | 11.1890% | 5,042 |
| Total risk-based capital ratio | 12.4458% | 4,915 |
| Memoranda: | ||
| Average total assets | $104,426,200 | 4,162 |
| Average earning assets | $96,900,400 | 4,149 |
| Average equity | $9,565,000 | 4,514 |
| Average total loans | $79,069,000 | 3,769 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 3,640 |
| Cost of funding earning assets | 0.9049% | 335 |
| Net interest margin | 3.0096% | 4,892 |
| Noninterest income to average assets | 0.2698% | 4,577 |
| Noninterest expense to average assets | 4.1926% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.1290% | 5,680 |
| Return on assets (ROA) | -1.1290% | 5,680 |
| Pretax return on assets | -1.1290% | 5,671 |
| Return on Equity (ROE) | -12.1593% | 5,683 |
| Retained earnings to average equity (ytd only) | -12.1593% | 5,632 |
| Net charge-offs to loans | 0.1770% | 1,191 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -8.4474% | 3,765 |
| Efficiency ratio | 136.8509% | 37 |
| Assets per employee ($millions) | 4.5031% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8026% | 852 |
| Loan loss allowance to noncurrent loans | 46.7642% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.1032% | 280 |
| Noncurrent loans to loans | 3.8546% | 263 |
| Net loans and leases to total assets | 79.0532% | 1,120 |
| Net loans and leases to deposits | 87.2750% | 2,150 |
| Net loans and leases to core deposits | 95.2213% | 2,152 |
| Total domestic deposits to total assets | 90.5795% | 302 |
| Equity capital to assets | 8.9445% | 4,959 |
| Core capital (leverage) ratio | 8.9928% | 4,748 |
| Tier 1 risk-based capital ratio | 10.8534% | 5,316 |
| Total risk-based capital ratio | 12.1089% | 5,221 |
| Memoranda: | ||
| Average total assets | $104,752,750 | 4,199 |
| Average earning assets | $97,240,750 | 4,185 |
| Average equity | $9,726,250 | 4,540 |
| Average total loans | $79,088,250 | 3,799 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8219% | 3,820 |
| Cost of funding earning assets | 0.8771% | 353 |
| Net interest margin | 2.9448% | 5,013 |
| Noninterest income to average assets | 0.2663% | 4,633 |
| Noninterest expense to average assets | 3.9735% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.9739% | 5,715 |
| Return on assets (ROA) | -0.9739% | 5,715 |
| Pretax return on assets | -0.9739% | 5,710 |
| Return on Equity (ROE) | -10.3640% | 5,721 |
| Retained earnings to average equity (ytd only) | -10.3640% | 5,660 |
| Net charge-offs to loans | 0.2704% | 752 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -4.8762% | 3,462 |
| Efficiency ratio | 132.4667% | 46 |
| Assets per employee ($millions) | 5.1779% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 766 |
| Loan loss allowance to noncurrent loans | 74.4428% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.9497% | 664 |
| Noncurrent loans to loans | 2.5077% | 595 |
| Net loans and leases to total assets | 76.2952% | 1,500 |
| Net loans and leases to deposits | 84.4871% | 2,406 |
| Net loans and leases to core deposits | 91.0756% | 2,418 |
| Total domestic deposits to total assets | 90.3039% | 423 |
| Equity capital to assets | 9.3079% | 4,614 |
| Core capital (leverage) ratio | 9.1978% | 4,492 |
| Tier 1 risk-based capital ratio | 11.6182% | 4,882 |
| Total risk-based capital ratio | 12.8746% | 4,759 |
| Memoranda: | ||
| Average total assets | $105,146,330 | 4,221 |
| Average earning assets | $97,594,670 | 4,208 |
| Average equity | $9,880,330 | 4,527 |
| Average total loans | $77,657,670 | 3,847 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 3,954 |
| Cost of funding earning assets | 0.8303% | 408 |
| Net interest margin | 2.9141% | 5,060 |
| Noninterest income to average assets | 0.2379% | 4,838 |
| Noninterest expense to average assets | 3.8248% | 660 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.8835% | 5,777 |
| Return on assets (ROA) | -0.8835% | 5,777 |
| Pretax return on assets | -0.8835% | 5,765 |
| Return on Equity (ROE) | -9.3591% | 5,777 |
| Retained earnings to average equity (ytd only) | -9.3591% | 5,562 |
| Net charge-offs to loans | -0.0105% | 4,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.0385% | 54 |
| Assets per employee ($millions) | 4.6400% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1278% | 525 |
| Loan loss allowance to noncurrent loans | 107.4766% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4037% | 1,187 |
| Noncurrent loans to loans | 1.9798% | 902 |
| Net loans and leases to total assets | 69.3925% | 2,481 |
| Net loans and leases to deposits | 76.8564% | 3,097 |
| Net loans and leases to core deposits | 83.1453% | 2,983 |
| Total domestic deposits to total assets | 90.2885% | 544 |
| Equity capital to assets | 9.2645% | 4,549 |
| Core capital (leverage) ratio | 9.6703% | 3,903 |
| Tier 1 risk-based capital ratio | 12.6839% | 4,269 |
| Total risk-based capital ratio | 13.9436% | 4,165 |
| Memoranda: | ||
| Average total assets | $105,941,000 | 4,247 |
| Average earning assets | $98,280,500 | 4,228 |
| Average equity | $10,001,000 | 4,544 |
| Average total loans | $76,230,500 | 3,898 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 3,638 |
| Cost of funding earning assets | 0.7352% | 679 |
| Net interest margin | 3.1475% | 4,599 |
| Noninterest income to average assets | 0.3147% | 4,482 |
| Noninterest expense to average assets | 4.7667% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -1.5469% | 5,867 |
| Return on assets (ROA) | -1.5469% | 5,868 |
| Pretax return on assets | -1.5450% | 5,864 |
| Return on Equity (ROE) | -14.7567% | 5,865 |
| Retained earnings to average equity (ytd only) | -14.7567% | 5,830 |
| Net charge-offs to loans | -0.0540% | 5,414 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.9574% | 34 |
| Assets per employee ($millions) | 4.5723% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 552 |
| Loan loss allowance to noncurrent loans | 235.4319% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 2,781 |
| Noncurrent loans to loans | 0.8894% | 2,321 |
| Net loans and leases to total assets | 71.4966% | 2,243 |
| Net loans and leases to deposits | 79.5320% | 2,939 |
| Net loans and leases to core deposits | 86.1191% | 2,835 |
| Total domestic deposits to total assets | 89.8966% | 682 |
| Equity capital to assets | 9.6184% | 4,151 |
| Core capital (leverage) ratio | 10.1570% | 3,290 |
| Tier 1 risk-based capital ratio | 12.8254% | 4,184 |
| Total risk-based capital ratio | 14.0843% | 4,078 |
| Memoranda: | ||
| Average total assets | $104,851,600 | 4,262 |
| Average earning assets | $96,839,200 | 4,257 |
| Average equity | $10,991,600 | 4,426 |
| Average total loans | $72,217,200 | 3,988 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 3,564 |
| Cost of funding earning assets | 0.7236% | 728 |
| Net interest margin | 3.1838% | 4,528 |
| Noninterest income to average assets | 0.3258% | 4,448 |
| Noninterest expense to average assets | 4.8701% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.6047% | 5,933 |
| Return on assets (ROA) | -1.6047% | 5,934 |
| Pretax return on assets | -1.6047% | 5,931 |
| Return on Equity (ROE) | -14.9971% | 5,926 |
| Retained earnings to average equity (ytd only) | -14.9971% | 5,890 |
| Net charge-offs to loans | -0.0732% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.1426% | 35 |
| Assets per employee ($millions) | 4.4301% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2485% | 473 |
| Loan loss allowance to noncurrent loans | 235.4319% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 2,902 |
| Noncurrent loans to loans | 0.9551% | 2,336 |
| Net loans and leases to total assets | 68.6079% | 2,708 |
| Net loans and leases to deposits | 76.9043% | 3,297 |
| Net loans and leases to core deposits | 85.3668% | 3,004 |
| Total domestic deposits to total assets | 89.2121% | 790 |
| Equity capital to assets | 10.3747% | 3,714 |
| Core capital (leverage) ratio | 10.1461% | 3,384 |
| Tier 1 risk-based capital ratio | 13.7012% | 3,742 |
| Total risk-based capital ratio | 14.9611% | 3,649 |
| Memoranda: | ||
| Average total assets | $104,773,750 | 4,302 |
| Average earning assets | $96,738,500 | 4,294 |
| Average equity | $11,210,750 | 4,433 |
| Average total loans | $71,072,500 | 4,045 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 3,547 |
| Cost of funding earning assets | 0.6940% | 830 |
| Net interest margin | 3.2237% | 4,471 |
| Noninterest income to average assets | 0.3556% | 4,231 |
| Noninterest expense to average assets | 4.9577% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -1.6324% | 6,001 |
| Return on assets (ROA) | -1.6324% | 6,001 |
| Pretax return on assets | -1.6324% | 5,998 |
| Return on Equity (ROE) | -15.1085% | 5,997 |
| Retained earnings to average equity (ytd only) | -15.1085% | 5,934 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.0899% | 42 |
| Assets per employee ($millions) | 4.3034% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1992% | 544 |
| Loan loss allowance to noncurrent loans | 229.7218% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 3,021 |
| Noncurrent loans to loans | 0.9573% | 2,367 |
| Net loans and leases to total assets | 67.5574% | 2,854 |
| Net loans and leases to deposits | 76.0107% | 3,379 |
| Net loans and leases to core deposits | 82.2758% | 3,241 |
| Total domestic deposits to total assets | 88.8789% | 970 |
| Equity capital to assets | 10.6186% | 3,513 |
| Core capital (leverage) ratio | 10.6661% | 2,771 |
| Tier 1 risk-based capital ratio | 13.9753% | 3,620 |
| Total risk-based capital ratio | 15.2342% | 3,533 |
| Memoranda: | ||
| Average total assets | $105,734,330 | 4,320 |
| Average earning assets | $97,403,670 | 4,317 |
| Average equity | $11,424,000 | 4,414 |
| Average total loans | $70,925,330 | 4,069 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,045 |
| Cost of funding earning assets | 0.6860% | 864 |
| Net interest margin | 3.3612% | 4,003 |
| Noninterest income to average assets | 0.2319% | 5,084 |
| Noninterest expense to average assets | 4.3866% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.0583% | 6,033 |
| Return on assets (ROA) | -1.0583% | 6,035 |
| Pretax return on assets | -1.0583% | 6,022 |
| Return on Equity (ROE) | -9.7147% | 6,026 |
| Retained earnings to average equity (ytd only) | -9.7147% | 5,797 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.7978% | 67 |
| Assets per employee ($millions) | 3.6730% | 4,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2819% | 525 |
| Loan loss allowance to noncurrent loans | 229.7218% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.1376% | 1,942 |
| Noncurrent loans to loans | 0.9933% | 2,401 |
| Net loans and leases to total assets | 65.3320% | 3,057 |
| Net loans and leases to deposits | 73.9229% | 3,444 |
| Net loans and leases to core deposits | 79.8256% | 3,337 |
| Total domestic deposits to total assets | 88.3785% | 1,419 |
| Equity capital to assets | 11.2160% | 2,717 |
| Core capital (leverage) ratio | 10.8379% | 2,585 |
| Tier 1 risk-based capital ratio | 14.6470% | 3,313 |
| Total risk-based capital ratio | 15.9051% | 3,253 |
| Memoranda: | ||
| Average total assets | $106,961,000 | 4,329 |
| Average earning assets | $98,536,500 | 4,329 |
| Average equity | $11,652,500 | 4,395 |
| Average total loans | $70,716,500 | 4,100 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,006 |
| Cost of funding earning assets | 0.7298% | 703 |
| Net interest margin | 3.3492% | 4,116 |
| Noninterest income to average assets | 0.2610% | 5,030 |
| Noninterest expense to average assets | 3.7489% | 923 |
| Loan and lease loss provision to assets | 0.5719% | 193 |
| Net operating income to assets | -2.2410% | 6,144 |
| Return on assets (ROA) | -2.2410% | 6,145 |
| Pretax return on assets | -0.9988% | 6,097 |
| Return on Equity (ROE) | -20.0866% | 6,139 |
| Retained earnings to average equity (ytd only) | -20.0866% | 6,119 |
| Net charge-offs to loans | 0.8944% | 235 |
| Credit loss provision to net charge-offs | 99.0237% | 2,573 |
| Earnings coverage of net charge-offs (x) | -0.7392% | 4,319 |
| Efficiency ratio | 112.8516% | 117 |
| Assets per employee ($millions) | 3.9671% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1590% | 631 |
| Loan loss allowance to noncurrent loans | 161.2539% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8760% | 2,477 |
| Noncurrent loans to loans | 1.3389% | 1,755 |
| Net loans and leases to total assets | 64.0136% | 3,277 |
| Net loans and leases to deposits | 71.9548% | 3,725 |
| Net loans and leases to core deposits | 77.1991% | 3,644 |
| Total domestic deposits to total assets | 88.9636% | 1,133 |
| Equity capital to assets | 10.5962% | 3,257 |
| Core capital (leverage) ratio | 9.8385% | 3,723 |
| Tier 1 risk-based capital ratio | 13.9526% | 3,733 |
| Total risk-based capital ratio | 15.2101% | 3,665 |
| Memoranda: | ||
| Average total assets | $124,143,600 | 4,003 |
| Average earning assets | $113,459,600 | 4,012 |
| Average equity | $13,850,000 | 4,002 |
| Average total loans | $80,169,800 | 3,821 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 2,933 |
| Cost of funding earning assets | 0.7393% | 684 |
| Net interest margin | 3.3602% | 4,104 |
| Noninterest income to average assets | 0.2721% | 4,991 |
| Noninterest expense to average assets | 3.5810% | 1,152 |
| Loan and lease loss provision to assets | 0.7430% | 103 |
| Net operating income to assets | -0.5944% | 6,155 |
| Return on assets (ROA) | -0.5944% | 6,154 |
| Pretax return on assets | -0.9889% | 6,185 |
| Return on Equity (ROE) | -5.2701% | 6,141 |
| Retained earnings to average equity (ytd only) | -5.2701% | 6,028 |
| Net charge-offs to loans | 0.4810% | 508 |
| Credit loss provision to net charge-offs | 239.8649% | 1,173 |
| Earnings coverage of net charge-offs (x) | -0.7939% | 4,044 |
| Efficiency ratio | 107.3737% | 178 |
| Assets per employee ($millions) | 4.6759% | 2,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5813% | 396 |
| Loan loss allowance to noncurrent loans | 141.3352% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.1152% | 2,127 |
| Noncurrent loans to loans | 1.8264% | 1,291 |
| Net loans and leases to total assets | 59.4867% | 3,939 |
| Net loans and leases to deposits | 67.1879% | 4,267 |
| Net loans and leases to core deposits | 71.7348% | 4,213 |
| Total domestic deposits to total assets | 88.5378% | 1,281 |
| Equity capital to assets | 11.1057% | 2,899 |
| Core capital (leverage) ratio | 9.8260% | 3,871 |
| Tier 1 risk-based capital ratio | 13.9235% | 3,889 |
| Total risk-based capital ratio | 15.1978% | 3,815 |
| Memoranda: | ||
| Average total assets | $127,410,000 | 3,986 |
| Average earning assets | $116,142,500 | 4,003 |
| Average equity | $14,370,000 | 3,972 |
| Average total loans | $82,043,750 | 3,804 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,493 |
| Cost of funding earning assets | 0.7356% | 694 |
| Net interest margin | 3.4802% | 3,579 |
| Noninterest income to average assets | 0.2676% | 5,040 |
| Noninterest expense to average assets | 3.6355% | 1,068 |
| Loan and lease loss provision to assets | 0.0235% | 3,666 |
| Net operating income to assets | -0.1362% | 6,071 |
| Return on assets (ROA) | -0.1362% | 6,099 |
| Pretax return on assets | -0.2222% | 6,115 |
| Return on Equity (ROE) | -1.2011% | 6,092 |
| Retained earnings to average equity (ytd only) | -1.2011% | 5,722 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7832% | 221 |
| Assets per employee ($millions) | 4.8913% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 1,083 |
| Loan loss allowance to noncurrent loans | 111.7275% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 2,356 |
| Noncurrent loans to loans | 1.7384% | 1,479 |
| Net loans and leases to total assets | 60.8203% | 3,715 |
| Net loans and leases to deposits | 68.5262% | 4,083 |
| Net loans and leases to core deposits | 72.9228% | 4,048 |
| Total domestic deposits to total assets | 88.7549% | 1,264 |
| Equity capital to assets | 10.9195% | 2,972 |
| Core capital (leverage) ratio | 10.1972% | 3,341 |
| Tier 1 risk-based capital ratio | 13.3582% | 4,306 |
| Total risk-based capital ratio | 14.6250% | 4,224 |
| Memoranda: | ||
| Average total assets | $127,796,670 | 3,998 |
| Average earning assets | $116,373,670 | 4,029 |
| Average equity | $14,486,330 | 3,966 |
| Average total loans | $83,694,330 | 3,788 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2455% | 2,291 |
| Cost of funding earning assets | 0.7349% | 715 |
| Net interest margin | 3.5106% | 3,389 |
| Noninterest income to average assets | 0.2578% | 5,111 |
| Noninterest expense to average assets | 3.6606% | 1,057 |
| Loan and lease loss provision to assets | 0.0477% | 2,976 |
| Net operating income to assets | -0.1464% | 6,124 |
| Return on assets (ROA) | -0.1464% | 6,147 |
| Pretax return on assets | -0.2419% | 6,172 |
| Return on Equity (ROE) | -1.2673% | 6,139 |
| Retained earnings to average equity (ytd only) | -1.2673% | 5,585 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6015% | 244 |
| Assets per employee ($millions) | 4.7891% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 1,250 |
| Loan loss allowance to noncurrent loans | 110.4861% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 1,862 |
| Noncurrent loans to loans | 1.7337% | 1,577 |
| Net loans and leases to total assets | 63.0033% | 3,235 |
| Net loans and leases to deposits | 71.2791% | 3,619 |
| Net loans and leases to core deposits | 75.7882% | 3,617 |
| Total domestic deposits to total assets | 88.3896% | 1,600 |
| Equity capital to assets | 11.2470% | 2,702 |
| Core capital (leverage) ratio | 10.4225% | 3,070 |
| Tier 1 risk-based capital ratio | 13.2577% | 4,460 |
| Total risk-based capital ratio | 14.5123% | 4,373 |
| Memoranda: | ||
| Average total assets | $125,662,000 | 4,071 |
| Average earning assets | $114,851,000 | 4,081 |
| Average equity | $14,519,000 | 3,990 |
| Average total loans | $84,584,500 | 3,787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,634 |
| Cost of funding earning assets | 0.7542% | 830 |
| Net interest margin | 3.5378% | 3,650 |
| Noninterest income to average assets | 0.3260% | 4,789 |
| Noninterest expense to average assets | 3.1634% | 2,318 |
| Loan and lease loss provision to assets | 0.2710% | 804 |
| Net operating income to assets | 0.0787% | 5,981 |
| Return on assets (ROA) | 0.0787% | 6,008 |
| Pretax return on assets | 0.1381% | 5,956 |
| Return on Equity (ROE) | 0.7335% | 5,999 |
| Retained earnings to average equity (ytd only) | 0.7335% | 5,435 |
| Net charge-offs to loans | 1.1302% | 248 |
| Credit loss provision to net charge-offs | 35.2998% | 3,759 |
| Earnings coverage of net charge-offs (x) | 0.5329% | 4,621 |
| Efficiency ratio | 88.5471% | 944 |
| Assets per employee ($millions) | 4.5256% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 2,368 |
| Loan loss allowance to noncurrent loans | 144.9227% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0688% | 2,610 |
| Noncurrent loans to loans | 1.0518% | 2,719 |
| Net loans and leases to total assets | 69.4170% | 2,322 |
| Net loans and leases to deposits | 79.2078% | 2,813 |
| Net loans and leases to core deposits | 85.0952% | 2,775 |
| Total domestic deposits to total assets | 87.6391% | 1,963 |
| Equity capital to assets | 12.0049% | 2,015 |
| Core capital (leverage) ratio | 10.7531% | 2,668 |
| Tier 1 risk-based capital ratio | 13.4470% | 4,448 |
| Total risk-based capital ratio | 14.6977% | 4,382 |
| Memoranda: | ||
| Average total assets | $134,663,400 | 3,891 |
| Average earning assets | $123,580,600 | 3,891 |
| Average equity | $14,451,400 | 3,948 |
| Average total loans | $91,485,400 | 3,603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 2,686 |
| Cost of funding earning assets | 0.7643% | 826 |
| Net interest margin | 3.5223% | 3,748 |
| Noninterest income to average assets | 0.3426% | 4,700 |
| Noninterest expense to average assets | 3.1034% | 2,460 |
| Loan and lease loss provision to assets | 0.3532% | 496 |
| Net operating income to assets | 0.0523% | 6,086 |
| Return on assets (ROA) | 0.0523% | 6,113 |
| Pretax return on assets | 0.1190% | 6,040 |
| Return on Equity (ROE) | 0.5001% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.5001% | 5,667 |
| Net charge-offs to loans | 1.3976% | 179 |
| Credit loss provision to net charge-offs | 37.5128% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.5015% | 4,372 |
| Efficiency ratio | 86.7930% | 1,110 |
| Assets per employee ($millions) | 4.9297% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 2,335 |
| Loan loss allowance to noncurrent loans | 139.9185% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.0782% | 2,800 |
| Noncurrent loans to loans | 1.1356% | 2,786 |
| Net loans and leases to total assets | 66.3941% | 2,790 |
| Net loans and leases to deposits | 75.1736% | 3,286 |
| Net loans and leases to core deposits | 80.6586% | 3,230 |
| Total domestic deposits to total assets | 88.3211% | 1,593 |
| Equity capital to assets | 11.3551% | 2,623 |
| Core capital (leverage) ratio | 10.1492% | 3,472 |
| Tier 1 risk-based capital ratio | 13.1611% | 4,757 |
| Total risk-based capital ratio | 14.4126% | 4,690 |
| Memoranda: | ||
| Average total assets | $137,781,250 | 3,868 |
| Average earning assets | $126,467,000 | 3,871 |
| Average equity | $14,397,000 | 3,981 |
| Average total loans | $92,823,000 | 3,607 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2263% | 2,857 |
| Cost of funding earning assets | 0.7646% | 853 |
| Net interest margin | 3.4616% | 3,929 |
| Noninterest income to average assets | 0.3603% | 4,539 |
| Noninterest expense to average assets | 2.9337% | 3,053 |
| Loan and lease loss provision to assets | 0.4752% | 319 |
| Net operating income to assets | 0.0596% | 6,116 |
| Return on assets (ROA) | 0.0596% | 6,135 |
| Pretax return on assets | 0.1305% | 6,055 |
| Return on Equity (ROE) | 0.5856% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.5856% | 5,502 |
| Net charge-offs to loans | 1.1671% | 271 |
| Credit loss provision to net charge-offs | 60.4693% | 2,628 |
| Earnings coverage of net charge-offs (x) | 0.7708% | 3,975 |
| Efficiency ratio | 82.8858% | 1,645 |
| Assets per employee ($millions) | 4.7824% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8722% | 1,647 |
| Loan loss allowance to noncurrent loans | 74.3255% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.9987% | 1,609 |
| Noncurrent loans to loans | 2.5190% | 1,231 |
| Net loans and leases to total assets | 66.6256% | 2,651 |
| Net loans and leases to deposits | 74.6944% | 3,243 |
| Net loans and leases to core deposits | 82.0623% | 2,966 |
| Total domestic deposits to total assets | 89.1975% | 1,254 |
| Equity capital to assets | 10.4629% | 3,484 |
| Core capital (leverage) ratio | 9.6075% | 4,163 |
| Tier 1 risk-based capital ratio | 12.1632% | 5,444 |
| Total risk-based capital ratio | 13.4110% | 5,360 |
| Memoranda: | ||
| Average total assets | $140,984,670 | 3,831 |
| Average earning assets | $129,476,000 | 3,817 |
| Average equity | $14,344,670 | 3,974 |
| Average total loans | $94,940,000 | 3,563 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 2,996 |
| Cost of funding earning assets | 0.7696% | 881 |
| Net interest margin | 3.3989% | 4,120 |
| Noninterest income to average assets | 0.3771% | 4,374 |
| Noninterest expense to average assets | 3.3490% | 1,826 |
| Loan and lease loss provision to assets | 0.1689% | 1,429 |
| Net operating income to assets | -0.0225% | 6,230 |
| Return on assets (ROA) | -0.0225% | 6,238 |
| Pretax return on assets | -0.0084% | 6,223 |
| Return on Equity (ROE) | -0.2244% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.2244% | 5,601 |
| Net charge-offs to loans | 1.4812% | 214 |
| Credit loss provision to net charge-offs | 16.9972% | 2,536 |
| Earnings coverage of net charge-offs (x) | 0.1615% | 3,405 |
| Efficiency ratio | 95.4290% | 678 |
| Assets per employee ($millions) | 4.9915% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7645% | 2,144 |
| Loan loss allowance to noncurrent loans | 65.7198% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.1251% | 1,578 |
| Noncurrent loans to loans | 2.6849% | 1,257 |
| Net loans and leases to total assets | 67.2799% | 2,341 |
| Net loans and leases to deposits | 76.3555% | 2,776 |
| Net loans and leases to core deposits | 85.8315% | 2,341 |
| Total domestic deposits to total assets | 88.1140% | 2,168 |
| Equity capital to assets | 10.2532% | 3,535 |
| Core capital (leverage) ratio | 9.4267% | 4,380 |
| Tier 1 risk-based capital ratio | 11.9198% | 5,695 |
| Total risk-based capital ratio | 13.1731% | 5,619 |
| Memoranda: | ||
| Average total assets | $142,132,000 | 3,847 |
| Average earning assets | $130,984,000 | 3,818 |
| Average equity | $14,261,500 | 3,995 |
| Average total loans | $95,327,000 | 3,576 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,030 |
| Cost of funding earning assets | 0.7530% | 1,480 |
| Net interest margin | 3.5284% | 3,767 |
| Noninterest income to average assets | 0.3352% | 4,931 |
| Noninterest expense to average assets | 4.5569% | 498 |
| Loan and lease loss provision to assets | 0.6284% | 387 |
| Net operating income to assets | -0.9241% | 6,597 |
| Return on assets (ROA) | -0.9165% | 6,595 |
| Pretax return on assets | -1.5288% | 6,665 |
| Return on Equity (ROE) | -8.0734% | 6,558 |
| Retained earnings to average equity (ytd only) | -8.0734% | 6,498 |
| Net charge-offs to loans | 0.0866% | 3,994 |
| Credit loss provision to net charge-offs | 1,068.7500% | 238 |
| Earnings coverage of net charge-offs (x) | -15.5125% | 5,440 |
| Efficiency ratio | 125.0252% | 147 |
| Assets per employee ($millions) | 4.9829% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 1,358 |
| Loan loss allowance to noncurrent loans | 35.9710% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 4.0899% | 638 |
| Noncurrent loans to loans | 5.8040% | 368 |
| Net loans and leases to total assets | 64.3253% | 2,986 |
| Net loans and leases to deposits | 72.6346% | 3,440 |
| Net loans and leases to core deposits | 81.2496% | 2,983 |
| Total domestic deposits to total assets | 88.5601% | 1,881 |
| Equity capital to assets | 9.8219% | 3,998 |
| Core capital (leverage) ratio | 9.7641% | 3,890 |
| Tier 1 risk-based capital ratio | 12.3602% | 5,391 |
| Total risk-based capital ratio | 13.6169% | 5,309 |
| Memoranda: | ||
| Average total assets | $136,056,400 | 3,956 |
| Average earning assets | $127,622,800 | 3,890 |
| Average equity | $15,445,800 | 3,791 |
| Average total loans | $92,414,400 | 3,633 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 3,138 |
| Cost of funding earning assets | 0.7577% | 1,552 |
| Net interest margin | 3.5083% | 3,846 |
| Noninterest income to average assets | 0.3315% | 5,034 |
| Noninterest expense to average assets | 3.1286% | 2,573 |
| Loan and lease loss provision to assets | 0.1941% | 1,877 |
| Net operating income to assets | 0.1680% | 5,994 |
| Return on assets (ROA) | 0.1782% | 6,037 |
| Pretax return on assets | 0.3295% | 5,802 |
| Return on Equity (ROE) | 1.5144% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.5144% | 5,374 |
| Net charge-offs to loans | 0.0436% | 4,287 |
| Credit loss provision to net charge-offs | 650.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 16.9995% | 1,762 |
| Efficiency ratio | 86.0389% | 1,360 |
| Assets per employee ($millions) | 4.8321% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 3,537 |
| Loan loss allowance to noncurrent loans | 23.1874% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 4.6689% | 627 |
| Noncurrent loans to loans | 6.3808% | 370 |
| Net loans and leases to total assets | 67.5238% | 2,367 |
| Net loans and leases to deposits | 76.6769% | 2,863 |
| Net loans and leases to core deposits | 86.5347% | 2,339 |
| Total domestic deposits to total assets | 88.0627% | 2,095 |
| Equity capital to assets | 11.5788% | 2,238 |
| Core capital (leverage) ratio | 11.7479% | 1,853 |
| Tier 1 risk-based capital ratio | 14.3221% | 4,201 |
| Total risk-based capital ratio | 15.5726% | 4,145 |
| Memoranda: | ||
| Average total assets | $133,944,750 | 4,034 |
| Average earning assets | $126,175,250 | 3,959 |
| Average equity | $15,759,000 | 3,782 |
| Average total loans | $91,784,500 | 3,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 2,235 |
| Cost of funding earning assets | 0.7826% | 1,512 |
| Net interest margin | 3.7071% | 2,933 |
| Noninterest income to average assets | 0.2966% | 5,331 |
| Noninterest expense to average assets | 3.1477% | 2,516 |
| Loan and lease loss provision to assets | 0.1348% | 2,642 |
| Net operating income to assets | 0.2903% | 5,631 |
| Return on assets (ROA) | 0.3056% | 5,739 |
| Pretax return on assets | 0.5438% | 5,223 |
| Return on Equity (ROE) | 2.5839% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.5839% | 4,660 |
| Net charge-offs to loans | 0.0153% | 4,534 |
| Credit loss provision to net charge-offs | 1,285.7143% | 245 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 681 |
| Efficiency ratio | 82.7817% | 1,789 |
| Assets per employee ($millions) | 4.8473% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,987 |
| Loan loss allowance to noncurrent loans | 117.9159% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8359% | 4,151 |
| Noncurrent loans to loans | 1.1954% | 3,560 |
| Net loans and leases to total assets | 68.9388% | 2,072 |
| Net loans and leases to deposits | 78.6741% | 2,500 |
| Net loans and leases to core deposits | 88.8365% | 2,022 |
| Total domestic deposits to total assets | 87.6258% | 2,479 |
| Equity capital to assets | 12.0800% | 1,864 |
| Core capital (leverage) ratio | 12.0558% | 1,582 |
| Tier 1 risk-based capital ratio | 14.8663% | 3,865 |
| Total risk-based capital ratio | 16.1030% | 3,838 |
| Memoranda: | ||
| Average total assets | $133,493,330 | 4,069 |
| Average earning assets | $126,242,670 | 3,981 |
| Average equity | $15,790,000 | 3,804 |
| Average total loans | $91,469,000 | 3,688 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4013% | 2,519 |
| Cost of funding earning assets | 0.8370% | 1,330 |
| Net interest margin | 3.5643% | 3,414 |
| Noninterest income to average assets | 0.2700% | 5,523 |
| Noninterest expense to average assets | 3.0593% | 2,809 |
| Loan and lease loss provision to assets | 0.1039% | 2,951 |
| Net operating income to assets | 0.2671% | 5,675 |
| Return on assets (ROA) | 0.2671% | 5,797 |
| Pretax return on assets | 0.4807% | 5,317 |
| Return on Equity (ROE) | 2.2814% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.2814% | 4,880 |
| Net charge-offs to loans | 0.0306% | 3,606 |
| Credit loss provision to net charge-offs | 500.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 28.1429% | 990 |
| Efficiency ratio | 83.9577% | 1,773 |
| Assets per employee ($millions) | 5.0356% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 4,417 |
| Loan loss allowance to noncurrent loans | 117.6190% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 4,366 |
| Noncurrent loans to loans | 1.1572% | 3,845 |
| Net loans and leases to total assets | 68.3605% | 1,947 |
| Net loans and leases to deposits | 78.0863% | 2,327 |
| Net loans and leases to core deposits | 88.6552% | 1,840 |
| Total domestic deposits to total assets | 87.5448% | 2,607 |
| Equity capital to assets | 12.1046% | 1,969 |
| Core capital (leverage) ratio | 11.3806% | 1,958 |
| Tier 1 risk-based capital ratio | 14.9984% | 3,834 |
| Total risk-based capital ratio | 16.2036% | 3,835 |
| Memoranda: | ||
| Average total assets | $134,801,500 | 4,087 |
| Average earning assets | $127,599,000 | 3,988 |
| Average equity | $15,780,000 | 3,850 |
| Average total loans | $91,446,000 | 3,705 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6260% | 2,896 |
| Cost of funding earning assets | 1.0119% | 1,289 |
| Net interest margin | 3.6141% | 4,026 |
| Noninterest income to average assets | 0.2611% | 5,599 |
| Noninterest expense to average assets | 3.1643% | 2,725 |
| Loan and lease loss provision to assets | 0.0878% | 4,600 |
| Net operating income to assets | 0.2618% | 5,596 |
| Return on assets (ROA) | 0.2709% | 5,784 |
| Pretax return on assets | 0.4832% | 5,331 |
| Return on Equity (ROE) | 2.3254% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.3190% | 4,606 |
| Net charge-offs to loans | 0.0122% | 5,751 |
| Credit loss provision to net charge-offs | 1,063.6364% | 247 |
| Earnings coverage of net charge-offs (x) | 67.4545% | 537 |
| Efficiency ratio | 85.0373% | 1,513 |
| Assets per employee ($millions) | 5.3338% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.2770% | 4,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3097% | 4,589 |
| Loan loss allowance to noncurrent loans | 134.2603% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 4,848 |
| Noncurrent loans to loans | 0.9755% | 4,240 |
| Net loans and leases to total assets | 65.5829% | 2,594 |
| Net loans and leases to deposits | 74.2156% | 3,060 |
| Net loans and leases to core deposits | 85.6870% | 2,355 |
| Total domestic deposits to total assets | 88.3680% | 1,985 |
| Equity capital to assets | 11.3298% | 2,604 |
| Core capital (leverage) ratio | 11.6077% | 1,800 |
| Tier 1 risk-based capital ratio | 14.5565% | 3,988 |
| Total risk-based capital ratio | 15.7083% | 4,016 |
| Memoranda: | ||
| Average total assets | $133,266,400 | 4,076 |
| Average earning assets | $127,582,800 | 3,957 |
| Average equity | $15,524,200 | 3,853 |
| Average total loans | $90,313,800 | 3,743 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 3,085 |
| Cost of funding earning assets | 1.0403% | 1,339 |
| Net interest margin | 3.5932% | 4,264 |
| Noninterest income to average assets | 0.2709% | 5,618 |
| Noninterest expense to average assets | 3.2253% | 2,488 |
| Loan and lease loss provision to assets | 0.0910% | 4,462 |
| Net operating income to assets | 0.2234% | 5,854 |
| Return on assets (ROA) | 0.2234% | 6,031 |
| Pretax return on assets | 0.4073% | 5,700 |
| Return on Equity (ROE) | 1.9038% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.8952% | 5,389 |
| Net charge-offs to loans | 0.0163% | 5,458 |
| Credit loss provision to net charge-offs | 818.1818% | 344 |
| Earnings coverage of net charge-offs (x) | 44.8071% | 815 |
| Efficiency ratio | 86.6178% | 1,332 |
| Assets per employee ($millions) | 5.0844% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.4514% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2644% | 4,977 |
| Loan loss allowance to noncurrent loans | 125.6656% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 4,909 |
| Noncurrent loans to loans | 1.0062% | 4,443 |
| Net loans and leases to total assets | 69.7016% | 1,971 |
| Net loans and leases to deposits | 79.2497% | 2,504 |
| Net loans and leases to core deposits | 94.1521% | 1,573 |
| Total domestic deposits to total assets | 87.9519% | 2,072 |
| Equity capital to assets | 11.8174% | 2,417 |
| Core capital (leverage) ratio | 11.5966% | 1,917 |
| Tier 1 risk-based capital ratio | 14.6635% | 4,076 |
| Total risk-based capital ratio | 15.8102% | 4,113 |
| Memoranda: | ||
| Average total assets | $131,913,500 | 4,135 |
| Average earning assets | $126,755,000 | 4,002 |
| Average equity | $15,477,250 | 3,900 |
| Average total loans | $89,853,250 | 3,792 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 3,372 |
| Cost of funding earning assets | 1.0625% | 1,398 |
| Net interest margin | 3.5349% | 4,529 |
| Noninterest income to average assets | 0.2883% | 5,504 |
| Noninterest expense to average assets | 2.9874% | 3,303 |
| Loan and lease loss provision to assets | 0.1062% | 4,200 |
| Net operating income to assets | 0.3338% | 5,485 |
| Return on assets (ROA) | 0.3338% | 5,707 |
| Pretax return on assets | 0.5917% | 5,168 |
| Return on Equity (ROE) | 2.8518% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.8388% | 4,737 |
| Net charge-offs to loans | 0.0180% | 5,163 |
| Credit loss provision to net charge-offs | 875.0000% | 372 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 659 |
| Efficiency ratio | 81.0622% | 2,018 |
| Assets per employee ($millions) | 5.0494% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.4545% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,946 |
| Loan loss allowance to noncurrent loans | 129.3660% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 5,061 |
| Noncurrent loans to loans | 0.9940% | 4,512 |
| Net loans and leases to total assets | 68.0024% | 2,291 |
| Net loans and leases to deposits | 77.3819% | 2,774 |
| Net loans and leases to core deposits | 88.4009% | 2,164 |
| Total domestic deposits to total assets | 87.8790% | 2,226 |
| Equity capital to assets | 11.8726% | 2,246 |
| Core capital (leverage) ratio | 11.5008% | 1,907 |
| Tier 1 risk-based capital ratio | 14.9929% | 3,773 |
| Total risk-based capital ratio | 16.1505% | 3,781 |
| Memoranda: | ||
| Average total assets | $131,819,670 | 4,164 |
| Average earning assets | $126,680,670 | 4,020 |
| Average equity | $15,429,000 | 3,904 |
| Average total loans | $88,697,000 | 3,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5852% | 3,575 |
| Cost of funding earning assets | 1.1077% | 1,366 |
| Net interest margin | 3.4776% | 4,801 |
| Noninterest income to average assets | 0.3271% | 5,249 |
| Noninterest expense to average assets | 2.9526% | 3,439 |
| Loan and lease loss provision to assets | 0.1363% | 3,645 |
| Net operating income to assets | 0.3271% | 5,561 |
| Return on assets (ROA) | 0.3271% | 5,733 |
| Pretax return on assets | 0.5754% | 5,202 |
| Return on Equity (ROE) | 2.8143% | 5,784 |
| Retained earnings to average equity (ytd only) | 2.8143% | 4,846 |
| Net charge-offs to loans | 0.0137% | 4,505 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 78.3333% | 425 |
| Efficiency ratio | 80.5785% | 2,133 |
| Assets per employee ($millions) | 5.0829% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 5,013 |
| Loan loss allowance to noncurrent loans | 118.4456% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 5,090 |
| Noncurrent loans to loans | 1.0992% | 4,496 |
| Net loans and leases to total assets | 65.5672% | 2,550 |
| Net loans and leases to deposits | 74.4482% | 3,058 |
| Net loans and leases to core deposits | 84.7037% | 2,451 |
| Total domestic deposits to total assets | 88.0709% | 2,267 |
| Equity capital to assets | 11.6574% | 2,296 |
| Core capital (leverage) ratio | 11.1560% | 2,145 |
| Tier 1 risk-based capital ratio | 15.4889% | 3,455 |
| Total risk-based capital ratio | 16.6750% | 3,457 |
| Memoranda: | ||
| Average total assets | $132,087,000 | 4,187 |
| Average earning assets | $126,754,500 | 4,043 |
| Average equity | $15,350,000 | 3,923 |
| Average total loans | $87,825,500 | 3,889 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9548% | 3,090 |
| Cost of funding earning assets | 1.2261% | 1,865 |
| Net interest margin | 3.7287% | 4,163 |
| Noninterest income to average assets | 0.3622% | 4,919 |
| Noninterest expense to average assets | 2.9591% | 3,746 |
| Loan and lease loss provision to assets | 0.1959% | 4,227 |
| Net operating income to assets | 0.4433% | 4,677 |
| Return on assets (ROA) | 0.4433% | 4,882 |
| Pretax return on assets | 0.7701% | 4,080 |
| Return on Equity (ROE) | 3.6878% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.6878% | 3,584 |
| Net charge-offs to loans | 0.1350% | 5,064 |
| Credit loss provision to net charge-offs | 206.7797% | 1,202 |
| Earnings coverage of net charge-offs (x) | 10.1949% | 1,873 |
| Efficiency ratio | 75.3887% | 2,994 |
| Assets per employee ($millions) | 5.2807% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 5,151 |
| Loan loss allowance to noncurrent loans | 108.6871% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 5,104 |
| Noncurrent loans to loans | 1.1530% | 4,442 |
| Net loans and leases to total assets | 65.7153% | 2,838 |
| Net loans and leases to deposits | 74.5218% | 3,412 |
| Net loans and leases to core deposits | 85.4133% | 2,709 |
| Total domestic deposits to total assets | 88.1827% | 2,034 |
| Equity capital to assets | 11.5848% | 2,441 |
| Core capital (leverage) ratio | 11.4084% | 1,960 |
| Tier 1 risk-based capital ratio | 15.2484% | 3,485 |
| Total risk-based capital ratio | 16.3831% | 3,525 |
| Memoranda: | ||
| Average total assets | $124,531,000 | 4,284 |
| Average earning assets | $118,996,400 | 4,157 |
| Average equity | $14,968,200 | 3,914 |
| Average total loans | $87,375,800 | 3,925 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 2,844 |
| Cost of funding earning assets | 1.2283% | 2,136 |
| Net interest margin | 3.8204% | 3,766 |
| Noninterest income to average assets | 0.3489% | 5,064 |
| Noninterest expense to average assets | 2.9577% | 3,716 |
| Loan and lease loss provision to assets | 0.2272% | 3,744 |
| Net operating income to assets | 0.4500% | 4,777 |
| Return on assets (ROA) | 0.4500% | 4,966 |
| Pretax return on assets | 0.8120% | 4,082 |
| Return on Equity (ROE) | 3.7079% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.7079% | 4,107 |
| Net charge-offs to loans | 0.0886% | 5,086 |
| Credit loss provision to net charge-offs | 360.3448% | 790 |
| Earnings coverage of net charge-offs (x) | 16.4830% | 1,397 |
| Efficiency ratio | 74.0005% | 3,181 |
| Assets per employee ($millions) | 5.1741% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 5,034 |
| Loan loss allowance to noncurrent loans | 117.9058% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 5,309 |
| Noncurrent loans to loans | 1.0985% | 4,720 |
| Net loans and leases to total assets | 66.3394% | 2,818 |
| Net loans and leases to deposits | 75.3868% | 3,434 |
| Net loans and leases to core deposits | 87.5472% | 2,555 |
| Total domestic deposits to total assets | 87.9987% | 2,032 |
| Equity capital to assets | 11.7748% | 2,432 |
| Core capital (leverage) ratio | 11.1723% | 2,265 |
| Tier 1 risk-based capital ratio | 15.1598% | 3,572 |
| Total risk-based capital ratio | 16.3495% | 3,576 |
| Memoranda: | ||
| Average total assets | $122,659,250 | 4,348 |
| Average earning assets | $117,122,500 | 4,222 |
| Average equity | $14,886,750 | 3,939 |
| Average total loans | $87,255,500 | 3,960 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1051% | 2,657 |
| Cost of funding earning assets | 1.2132% | 2,487 |
| Net interest margin | 3.8919% | 3,360 |
| Noninterest income to average assets | 0.3554% | 5,043 |
| Noninterest expense to average assets | 2.8747% | 4,129 |
| Loan and lease loss provision to assets | 0.2973% | 3,022 |
| Net operating income to assets | 0.4999% | 4,499 |
| Return on assets (ROA) | 0.4999% | 4,640 |
| Pretax return on assets | 0.8968% | 3,623 |
| Return on Equity (ROE) | 4.0753% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.0753% | 3,607 |
| Net charge-offs to loans | 0.0504% | 5,151 |
| Credit loss provision to net charge-offs | 813.6364% | 408 |
| Earnings coverage of net charge-offs (x) | 32.6818% | 867 |
| Efficiency ratio | 70.6531% | 3,998 |
| Assets per employee ($millions) | 5.0324% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 5,247 |
| Loan loss allowance to noncurrent loans | 120.5538% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 5,420 |
| Noncurrent loans to loans | 1.0471% | 4,902 |
| Net loans and leases to total assets | 70.3802% | 2,140 |
| Net loans and leases to deposits | 80.1060% | 2,772 |
| Net loans and leases to core deposits | 94.1959% | 1,875 |
| Total domestic deposits to total assets | 87.8588% | 2,236 |
| Equity capital to assets | 11.9417% | 2,128 |
| Core capital (leverage) ratio | 11.5152% | 1,903 |
| Tier 1 risk-based capital ratio | 14.4301% | 3,843 |
| Total risk-based capital ratio | 15.5843% | 3,890 |
| Memoranda: | ||
| Average total assets | $120,428,000 | 4,439 |
| Average earning assets | $114,904,670 | 4,306 |
| Average equity | $14,772,000 | 3,946 |
| Average total loans | $87,361,330 | 4,003 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 2,674 |
| Cost of funding earning assets | 1.1940% | 2,855 |
| Net interest margin | 3.8991% | 3,142 |
| Noninterest income to average assets | 0.3533% | 5,073 |
| Noninterest expense to average assets | 2.8844% | 4,129 |
| Loan and lease loss provision to assets | 0.3228% | 2,613 |
| Net operating income to assets | 0.4824% | 4,562 |
| Return on assets (ROA) | 0.4824% | 4,643 |
| Pretax return on assets | 0.8629% | 3,653 |
| Return on Equity (ROE) | 3.8782% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.8782% | 3,841 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8681% | 4,079 |
| Assets per employee ($millions) | 5.8528% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 5,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 70.4942% | 2,036 |
| Net loans and leases to deposits | 80.2309% | 2,675 |
| Net loans and leases to core deposits | 94.1557% | 1,868 |
| Total domestic deposits to total assets | 87.8641% | 2,452 |
| Equity capital to assets | 11.9911% | 1,920 |
| Core capital (leverage) ratio | 12.1930% | 1,461 |
| Tier 1 risk-based capital ratio | 14.6788% | 3,625 |
| Total risk-based capital ratio | 15.8046% | 3,666 |
| Memoranda: | ||
| Average total assets | $117,736,500 | 4,544 |
| Average earning assets | $112,230,500 | 4,402 |
| Average equity | $14,646,000 | 3,965 |
| Average total loans | $86,203,000 | 4,072 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9554% | 4,760 |
| Cost of funding earning assets | 1.4886% | 2,711 |
| Net interest margin | 3.4669% | 5,377 |
| Noninterest income to average assets | 0.4284% | 4,687 |
| Noninterest expense to average assets | 3.1284% | 3,352 |
| Loan and lease loss provision to assets | 0.4606% | 3,367 |
| Net operating income to assets | 1.3046% | 1,157 |
| Return on assets (ROA) | 1.3046% | 1,220 |
| Pretax return on assets | 0.1483% | 5,600 |
| Return on Equity (ROE) | 9.9633% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.9633% | 531 |
| Net charge-offs to loans | 0.2214% | 4,960 |
| Credit loss provision to net charge-offs | 293.1677% | 917 |
| Earnings coverage of net charge-offs (x) | 3.8758% | 3,151 |
| Efficiency ratio | 83.7076% | 1,955 |
| Assets per employee ($millions) | 5.6283% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 74.3730% | 1,584 |
| Net loans and leases to deposits | 85.5374% | 2,174 |
| Net loans and leases to core deposits | 101.2481% | 1,516 |
| Total domestic deposits to total assets | 86.9480% | 2,853 |
| Equity capital to assets | 12.9294% | 1,426 |
| Core capital (leverage) ratio | 12.6935% | 1,247 |
| Tier 1 risk-based capital ratio | 14.6145% | 3,471 |
| Total risk-based capital ratio | 15.6496% | 3,570 |
| Memoranda: | ||
| Average total assets | $102,480,200 | 4,912 |
| Average earning assets | $97,812,000 | 4,779 |
| Average equity | $13,419,200 | 4,279 |
| Average total loans | $72,728,200 | 4,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 5,513 |
| Cost of funding earning assets | 1.5377% | 2,734 |
| Net interest margin | 3.3028% | 6,007 |
| Noninterest income to average assets | 0.4162% | 4,828 |
| Noninterest expense to average assets | 3.1252% | 3,214 |
| Loan and lease loss provision to assets | 0.4415% | 3,265 |
| Net operating income to assets | 0.0000% | 5,999 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0067% | 6,077 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 0.1568% | 5,062 |
| Credit loss provision to net charge-offs | 403.6585% | 746 |
| Earnings coverage of net charge-offs (x) | 4.0976% | 3,192 |
| Efficiency ratio | 87.4580% | 1,497 |
| Assets per employee ($millions) | 5.6087% | 1,526 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,656 |
| Loan loss allowance to noncurrent loans | 1,155.6962% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 7,166 |
| Noncurrent loans to loans | 0.1005% | 6,985 |
| Net loans and leases to total assets | 69.2564% | 2,916 |
| Net loans and leases to deposits | 78.6632% | 3,697 |
| Net loans and leases to core deposits | 95.9194% | 2,270 |
| Total domestic deposits to total assets | 88.0417% | 1,932 |
| Equity capital to assets | 11.8273% | 2,265 |
| Core capital (leverage) ratio | 12.0247% | 1,654 |
| Tier 1 risk-based capital ratio | 15.1029% | 3,201 |
| Total risk-based capital ratio | 16.1446% | 3,283 |
| Memoranda: | ||
| Average total assets | $99,959,000 | 5,045 |
| Average earning assets | $95,554,250 | 4,907 |
| Average equity | $13,135,500 | 4,411 |
| Average total loans | $69,737,000 | 4,766 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7664% | 5,907 |
| Cost of funding earning assets | 1.5582% | 2,912 |
| Net interest margin | 3.2082% | 6,289 |
| Noninterest income to average assets | 0.4276% | 4,696 |
| Noninterest expense to average assets | 3.2392% | 2,764 |
| Loan and lease loss provision to assets | 0.4505% | 3,071 |
| Net operating income to assets | -0.2107% | 6,369 |
| Return on assets (ROA) | -0.2107% | 6,416 |
| Pretax return on assets | -0.2002% | 6,339 |
| Return on Equity (ROE) | -1.5430% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.5430% | 6,077 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8273% | 1,137 |
| Assets per employee ($millions) | 5.2622% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 5,473 |
| Loan loss allowance to noncurrent loans | 543.2099% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 7,002 |
| Noncurrent loans to loans | 0.2203% | 6,802 |
| Net loans and leases to total assets | 69.0339% | 3,125 |
| Net loans and leases to deposits | 78.9803% | 3,800 |
| Net loans and leases to core deposits | 101.2995% | 1,891 |
| Total domestic deposits to total assets | 87.4064% | 2,323 |
| Equity capital to assets | 12.4606% | 1,824 |
| Core capital (leverage) ratio | 13.0376% | 1,198 |
| Tier 1 risk-based capital ratio | 15.9702% | 2,687 |
| Total risk-based capital ratio | 17.0436% | 2,726 |
| Memoranda: | ||
| Average total assets | $95,887,670 | 5,196 |
| Average earning assets | $91,516,000 | 5,045 |
| Average equity | $13,091,670 | 4,415 |
| Average total loans | $66,782,670 | 4,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 6,341 |
| Cost of funding earning assets | 1.6059% | 2,929 |
| Net interest margin | 3.0645% | 6,682 |
| Noninterest income to average assets | 0.4298% | 4,665 |
| Noninterest expense to average assets | 3.3242% | 2,455 |
| Loan and lease loss provision to assets | 0.4956% | 2,521 |
| Net operating income to assets | -0.4912% | 6,822 |
| Return on assets (ROA) | -0.4912% | 6,847 |
| Pretax return on assets | -0.4692% | 6,759 |
| Return on Equity (ROE) | -3.4249% | 6,771 |
| Retained earnings to average equity (ytd only) | -3.4249% | 6,414 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2147% | 871 |
| Assets per employee ($millions) | 4.7105% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,838 |
| Loan loss allowance to noncurrent loans | 936.1446% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 7,268 |
| Noncurrent loans to loans | 0.1213% | 7,105 |
| Net loans and leases to total assets | 71.8013% | 2,499 |
| Net loans and leases to deposits | 83.4174% | 3,038 |
| Net loans and leases to core deposits | 112.1085% | 1,158 |
| Total domestic deposits to total assets | 86.0747% | 3,115 |
| Equity capital to assets | 13.8350% | 1,197 |
| Core capital (leverage) ratio | 14.3243% | 889 |
| Tier 1 risk-based capital ratio | 17.2187% | 2,189 |
| Total risk-based capital ratio | 18.2447% | 2,223 |
| Memoranda: | ||
| Average total assets | $91,209,500 | 5,416 |
| Average earning assets | $86,930,500 | 5,277 |
| Average equity | $13,080,500 | 4,458 |
| Average total loans | $63,407,000 | 5,116 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 7,417 |
| Cost of funding earning assets | 1.7524% | 4,237 |
| Net interest margin | 2.7064% | 7,205 |
| Noninterest income to average assets | 0.3145% | 5,829 |
| Noninterest expense to average assets | 3.9109% | 1,496 |
| Loan and lease loss provision to assets | 1.1306% | 2,018 |
| Net operating income to assets | -2.1921% | 7,162 |
| Return on assets (ROA) | -2.1921% | 7,160 |
| Pretax return on assets | -2.1842% | 7,008 |
| Return on Equity (ROE) | -10.1099% | 6,635 |
| Retained earnings to average equity (ytd only) | -10.1099% | 6,532 |
| Net charge-offs to loans | 0.7335% | 2,991 |
| Credit loss provision to net charge-offs | 239.6667% | 1,501 |
| Earnings coverage of net charge-offs (x) | -2.2333% | 7,018 |
| Efficiency ratio | 136.8740% | 411 |
| Assets per employee ($millions) | 4.6426% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,707 |
| Loan loss allowance to noncurrent loans | 562.7119% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 7,145 |
| Noncurrent loans to loans | 0.2021% | 6,920 |
| Net loans and leases to total assets | 65.4457% | 4,290 |
| Net loans and leases to deposits | 76.9576% | 4,575 |
| Net loans and leases to core deposits | 148.0724% | 558 |
| Total domestic deposits to total assets | 85.0412% | 3,533 |
| Equity capital to assets | 14.8817% | 935 |
| Core capital (leverage) ratio | 15.7146% | 659 |
| Tier 1 risk-based capital ratio | 19.7621% | 1,500 |
| Total risk-based capital ratio | 20.7632% | 1,519 |
| Memoranda: | ||
| Average total assets | $63,591,800 | 6,214 |
| Average earning assets | $59,747,800 | 6,132 |
| Average equity | $13,788,400 | 4,316 |
| Average total loans | $40,899,400 | 6,060 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 7,665 |
| Cost of funding earning assets | 1.7891% | 4,427 |
| Net interest margin | 2.5246% | 7,434 |
| Noninterest income to average assets | 0.3157% | 5,957 |
| Noninterest expense to average assets | 4.1482% | 1,084 |
| Loan and lease loss provision to assets | 0.7823% | 2,419 |
| Net operating income to assets | -2.2679% | 7,397 |
| Return on assets (ROA) | -2.2679% | 7,390 |
| Pretax return on assets | -2.2563% | 7,266 |
| Return on Equity (ROE) | -9.3353% | 6,845 |
| Retained earnings to average equity (ytd only) | -9.3353% | 6,746 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.1215% | 288 |
| Assets per employee ($millions) | 4.3484% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 5,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.6250% | 4,502 |
| Net loans and leases to deposits | 79.4500% | 4,488 |
| Net loans and leases to core deposits | 158.9147% | 401 |
| Total domestic deposits to total assets | 82.5991% | 4,398 |
| Equity capital to assets | 17.2808% | 592 |
| Core capital (leverage) ratio | 19.2190% | 364 |
| Tier 1 risk-based capital ratio | 22.9045% | 1,124 |
| Total risk-based capital ratio | 23.8926% | 1,130 |
| Memoranda: | ||
| Average total assets | $57,437,500 | 6,490 |
| Average earning assets | $53,656,750 | 6,437 |
| Average equity | $13,953,750 | 4,305 |
| Average total loans | $36,526,000 | 6,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 7,854 |
| Cost of funding earning assets | 1.8147% | 4,688 |
| Net interest margin | 2.3325% | 7,646 |
| Noninterest income to average assets | 0.3288% | 5,883 |
| Noninterest expense to average assets | 4.5868% | 707 |
| Loan and lease loss provision to assets | 0.8833% | 1,908 |
| Net operating income to assets | -3.0024% | 7,674 |
| Return on assets (ROA) | -3.0024% | 7,673 |
| Pretax return on assets | -2.9826% | 7,569 |
| Return on Equity (ROE) | -10.7546% | 7,096 |
| Retained earnings to average equity (ytd only) | -10.7546% | 6,956 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.3949% | 237 |
| Assets per employee ($millions) | 3.4746% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0790% | 5,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.6040% | 4,046 |
| Net loans and leases to deposits | 88.1627% | 3,143 |
| Net loans and leases to core deposits | 166.6227% | 363 |
| Total domestic deposits to total assets | 77.8153% | 6,126 |
| Equity capital to assets | 21.9577% | 286 |
| Core capital (leverage) ratio | 24.6206% | 216 |
| Tier 1 risk-based capital ratio | 26.9930% | 781 |
| Total risk-based capital ratio | 27.9144% | 780 |
| Memoranda: | ||
| Average total assets | $50,492,670 | 6,800 |
| Average earning assets | $46,730,000 | 6,760 |
| Average equity | $14,096,330 | 4,288 |
| Average total loans | $31,385,330 | 6,648 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8750% | 8,021 |
| Cost of funding earning assets | 1.8886% | 4,695 |
| Net interest margin | 1.9864% | 7,903 |
| Noninterest income to average assets | 0.3418% | 5,720 |
| Noninterest expense to average assets | 4.9564% | 500 |
| Loan and lease loss provision to assets | 0.6117% | 2,059 |
| Net operating income to assets | -3.4182% | 7,905 |
| Return on assets (ROA) | -3.4182% | 7,905 |
| Pretax return on assets | -3.4002% | 7,823 |
| Return on Equity (ROE) | -10.6457% | 7,405 |
| Retained earnings to average equity (ytd only) | -10.6457% | 7,169 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 228.6307% | 146 |
| Assets per employee ($millions) | 3.2821% | 5,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 5,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 53.7952% | 6,489 |
| Net loans and leases to deposits | 73.6540% | 5,528 |
| Net loans and leases to core deposits | 136.2694% | 1,288 |
| Total domestic deposits to total assets | 73.0377% | 7,044 |
| Equity capital to assets | 26.8252% | 186 |
| Core capital (leverage) ratio | 31.7463% | 137 |
| Tier 1 risk-based capital ratio | 38.3364% | 352 |
| Total risk-based capital ratio | 39.1880% | 352 |
| Memoranda: | ||
| Average total assets | $44,467,500 | 7,085 |
| Average earning assets | $40,877,000 | 7,063 |
| Average equity | $14,278,000 | 4,275 |
| Average total loans | $25,390,500 | 7,037 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3778% | 8,204 |
| Cost of funding earning assets | 0.6593% | 8,162 |
| Net interest margin | 1.7185% | 8,150 |
| Noninterest income to average assets | 0.1454% | 7,375 |
| Noninterest expense to average assets | 7.5308% | 254 |
| Loan and lease loss provision to assets | 0.7577% | 1,971 |
| Net operating income to assets | -6.6277% | 8,181 |
| Return on assets (ROA) | -6.6277% | 8,176 |
| Pretax return on assets | -6.6277% | 8,140 |
| Return on Equity (ROE) | -14.5946% | 7,572 |
| Retained earnings to average equity (ytd only) | -14.5946% | 7,436 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 453.4451% | 58 |
| Assets per employee ($millions) | 2.2763% | 7,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 5,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 60.3306% | 5,864 |
| Net loans and leases to deposits | 100.6366% | 1,764 |
| Net loans and leases to core deposits | 152.4632% | 767 |
| Total domestic deposits to total assets | 59.9489% | 7,969 |
| Equity capital to assets | 39.7271% | 103 |
| Core capital (leverage) ratio | 42.9755% | 100 |
| Tier 1 risk-based capital ratio | 52.1161% | 200 |
| Total risk-based capital ratio | 52.9986% | 200 |
| Memoranda: | ||
| Average total assets | $32,334,000 | 7,544 |
| Average earning assets | $28,513,500 | 7,589 |
| Average equity | $14,683,500 | 4,200 |
| Average total loans | $18,025,500 | 7,457 |