Home > New Resource Bank > Performance and Condition Ratios
New Resource 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 | 4.6014% | 1,570 |
| Cost of funding earning assets | 0.0498% | 5,555 |
| Net interest margin | 4.5516% | 551 |
| Noninterest income to average assets | 0.5251% | 2,659 |
| Noninterest expense to average assets | 3.6981% | 760 |
| Loan and lease loss provision to assets | 0.5610% | 184 |
| Net operating income to assets | 0.3433% | 5,019 |
| Return on assets (ROA) | 0.3433% | 5,024 |
| Pretax return on assets | 0.4746% | 4,912 |
| Return on Equity (ROE) | 3.0008% | 5,018 |
| Retained earnings to average equity (ytd only) | 3.0008% | 3,999 |
| Net charge-offs to loans | -0.1270% | 5,282 |
| Credit loss provision to net charge-offs | -555.5556% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1228% | 1,344 |
| Assets per employee ($millions) | 7.1458% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 1,151 |
| Loan loss allowance to noncurrent loans | 7,615.6250% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 5,033 |
| Noncurrent loans to loans | 0.0210% | 4,890 |
| Net loans and leases to total assets | 82.1496% | 647 |
| Net loans and leases to deposits | 93.4287% | 1,287 |
| Net loans and leases to core deposits | 104.6242% | 1,336 |
| Total domestic deposits to total assets | 87.9276% | 1,662 |
| Equity capital to assets | 11.1976% | 2,387 |
| Core capital (leverage) ratio | 10.9351% | 2,506 |
| Tier 1 risk-based capital ratio | 11.0099% | 5,125 |
| Total risk-based capital ratio | 12.2625% | 5,023 |
| Memoranda: | ||
| Average total assets | $356,508,000 | 1,914 |
| Average earning assets | $329,639,000 | 1,922 |
| Average equity | $40,788,500 | 1,839 |
| Average total loans | $283,522,000 | 1,683 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 2,005 |
| Cost of funding earning assets | 0.0429% | 5,625 |
| Net interest margin | 4.3667% | 824 |
| Noninterest income to average assets | 0.4039% | 3,613 |
| Noninterest expense to average assets | 3.5143% | 1,009 |
| Loan and lease loss provision to assets | 0.1625% | 1,375 |
| Net operating income to assets | 0.0078% | 5,348 |
| Return on assets (ROA) | 0.0078% | 5,346 |
| Pretax return on assets | 0.7644% | 4,353 |
| Return on Equity (ROE) | 0.0656% | 5,347 |
| Retained earnings to average equity (ytd only) | -0.1774% | 5,060 |
| Net charge-offs to loans | -0.0145% | 4,870 |
| Credit loss provision to net charge-offs | -1,527.0270% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1294% | 1,206 |
| Assets per employee ($millions) | 6.4552% | 1,231 |
| Cash dividends to net income (ytd only)* | 370.3704% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6302% | 1,074 |
| Loan loss allowance to noncurrent loans | 10,200.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 5,107 |
| Noncurrent loans to loans | 0.0160% | 4,958 |
| Net loans and leases to total assets | 74.1590% | 1,891 |
| Net loans and leases to deposits | 84.8144% | 2,398 |
| Net loans and leases to core deposits | 94.7356% | 2,130 |
| Total domestic deposits to total assets | 87.4368% | 1,796 |
| Equity capital to assets | 11.6957% | 2,037 |
| Core capital (leverage) ratio | 10.8994% | 2,428 |
| Tier 1 risk-based capital ratio | 12.5099% | 4,200 |
| Total risk-based capital ratio | 13.7647% | 4,096 |
| Memoranda: | ||
| Average total assets | $347,611,400 | 1,931 |
| Average earning assets | $321,384,400 | 1,933 |
| Average equity | $41,141,000 | 1,811 |
| Average total loans | $255,600,400 | 1,785 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,971 |
| Cost of funding earning assets | 0.0432% | 5,693 |
| Net interest margin | 4.3541% | 814 |
| Noninterest income to average assets | 0.3738% | 3,853 |
| Noninterest expense to average assets | 3.4537% | 1,063 |
| Loan and lease loss provision to assets | 0.0844% | 2,403 |
| Net operating income to assets | 0.5485% | 4,579 |
| Return on assets (ROA) | 0.5485% | 4,612 |
| Pretax return on assets | 0.8605% | 4,175 |
| Return on Equity (ROE) | 4.6207% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.6207% | 3,127 |
| Net charge-offs to loans | -0.0189% | 4,832 |
| Credit loss provision to net charge-offs | -611.1111% | 4,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5166% | 1,262 |
| Assets per employee ($millions) | 6.5381% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,423 |
| Loan loss allowance to noncurrent loans | 1,426.8116% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 4,852 |
| Noncurrent loans to loans | 0.1074% | 4,629 |
| Net loans and leases to total assets | 71.6795% | 2,302 |
| Net loans and leases to deposits | 82.3126% | 2,743 |
| Net loans and leases to core deposits | 91.5991% | 2,483 |
| Total domestic deposits to total assets | 87.0820% | 1,841 |
| Equity capital to assets | 11.9569% | 1,992 |
| Core capital (leverage) ratio | 10.7081% | 2,752 |
| Tier 1 risk-based capital ratio | 12.7380% | 4,182 |
| Total risk-based capital ratio | 13.9930% | 4,073 |
| Memoranda: | ||
| Average total assets | $347,368,750 | 1,939 |
| Average earning assets | $321,100,500 | 1,941 |
| Average equity | $41,234,000 | 1,824 |
| Average total loans | $253,803,250 | 1,804 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 2,158 |
| Cost of funding earning assets | 0.0432% | 5,732 |
| Net interest margin | 4.2498% | 977 |
| Noninterest income to average assets | 0.3584% | 3,998 |
| Noninterest expense to average assets | 3.5007% | 1,012 |
| Loan and lease loss provision to assets | 0.1470% | 1,380 |
| Net operating income to assets | 0.4064% | 4,968 |
| Return on assets (ROA) | 0.4064% | 4,993 |
| Pretax return on assets | 0.6397% | 4,723 |
| Return on Equity (ROE) | 3.4322% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.4322% | 3,668 |
| Net charge-offs to loans | -0.0388% | 5,060 |
| Credit loss provision to net charge-offs | -518.3673% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6500% | 1,038 |
| Assets per employee ($millions) | 6.7914% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5351% | 1,452 |
| Loan loss allowance to noncurrent loans | 1,702.9915% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 4,937 |
| Noncurrent loans to loans | 0.0901% | 4,766 |
| Net loans and leases to total assets | 72.3797% | 2,138 |
| Net loans and leases to deposits | 82.7134% | 2,627 |
| Net loans and leases to core deposits | 97.6669% | 1,839 |
| Total domestic deposits to total assets | 87.5065% | 1,716 |
| Equity capital to assets | 11.7198% | 2,136 |
| Core capital (leverage) ratio | 10.7402% | 2,663 |
| Tier 1 risk-based capital ratio | 12.4962% | 4,304 |
| Total risk-based capital ratio | 13.7520% | 4,198 |
| Memoranda: | ||
| Average total assets | $345,472,000 | 1,948 |
| Average earning assets | $319,406,330 | 1,955 |
| Average equity | $40,907,000 | 1,837 |
| Average total loans | $252,734,670 | 1,807 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2400% | 2,137 |
| Cost of funding earning assets | 0.0405% | 5,802 |
| Net interest margin | 4.1995% | 993 |
| Noninterest income to average assets | 0.3548% | 3,999 |
| Noninterest expense to average assets | 3.6683% | 810 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3606% | 5,047 |
| Return on assets (ROA) | 0.3606% | 5,068 |
| Pretax return on assets | 0.5725% | 4,789 |
| Return on Equity (ROE) | 3.0296% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.0296% | 3,900 |
| Net charge-offs to loans | -0.2936% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4992% | 764 |
| Assets per employee ($millions) | 6.9118% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,642 |
| Loan loss allowance to noncurrent loans | 9,910.2564% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 5,313 |
| Noncurrent loans to loans | 0.0153% | 5,179 |
| Net loans and leases to total assets | 71.2581% | 2,176 |
| Net loans and leases to deposits | 81.1904% | 2,607 |
| Net loans and leases to core deposits | 91.9668% | 2,166 |
| Total domestic deposits to total assets | 87.7666% | 1,850 |
| Equity capital to assets | 11.5894% | 2,120 |
| Core capital (leverage) ratio | 10.9368% | 2,429 |
| Tier 1 risk-based capital ratio | 12.5022% | 4,389 |
| Total risk-based capital ratio | 13.7581% | 4,289 |
| Memoranda: | ||
| Average total assets | $341,631,500 | 1,979 |
| Average earning assets | $316,135,000 | 1,989 |
| Average equity | $40,666,000 | 1,846 |
| Average total loans | $249,304,000 | 1,838 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 2,157 |
| Cost of funding earning assets | 0.0465% | 5,846 |
| Net interest margin | 4.2489% | 1,017 |
| Noninterest income to average assets | 0.3721% | 4,085 |
| Noninterest expense to average assets | 3.4389% | 1,278 |
| Loan and lease loss provision to assets | 0.1104% | 2,223 |
| Net operating income to assets | 0.4225% | 4,869 |
| Return on assets (ROA) | 0.4225% | 4,951 |
| Pretax return on assets | 0.7478% | 4,354 |
| Return on Equity (ROE) | 3.2473% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.2473% | 3,596 |
| Net charge-offs to loans | -0.0023% | 4,709 |
| Credit loss provision to net charge-offs | -6,780.0000% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0303% | 1,414 |
| Assets per employee ($millions) | 6.7502% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 1,622 |
| Loan loss allowance to noncurrent loans | 1,282.9268% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,988 |
| Noncurrent loans to loans | 0.1178% | 4,764 |
| Net loans and leases to total assets | 72.5221% | 2,090 |
| Net loans and leases to deposits | 83.3263% | 2,499 |
| Net loans and leases to core deposits | 93.4631% | 2,164 |
| Total domestic deposits to total assets | 87.0338% | 2,132 |
| Equity capital to assets | 12.2382% | 1,665 |
| Core capital (leverage) ratio | 11.0295% | 2,311 |
| Tier 1 risk-based capital ratio | 12.9600% | 4,104 |
| Total risk-based capital ratio | 14.2207% | 4,001 |
| Memoranda: | ||
| Average total assets | $307,187,600 | 2,127 |
| Average earning assets | $283,769,000 | 2,132 |
| Average equity | $39,971,400 | 1,847 |
| Average total loans | $221,787,400 | 1,965 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2572% | 2,308 |
| Cost of funding earning assets | 0.0470% | 5,912 |
| Net interest margin | 4.2102% | 1,102 |
| Noninterest income to average assets | 0.3483% | 4,294 |
| Noninterest expense to average assets | 3.4291% | 1,290 |
| Loan and lease loss provision to assets | 0.1593% | 1,454 |
| Net operating income to assets | 0.3173% | 5,249 |
| Return on assets (ROA) | 0.3173% | 5,331 |
| Pretax return on assets | 0.6448% | 4,755 |
| Return on Equity (ROE) | 2.3993% | 5,379 |
| Retained earnings to average equity (ytd only) | 2.3993% | 4,476 |
| Net charge-offs to loans | -0.0025% | 4,512 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0056% | 1,301 |
| Assets per employee ($millions) | 6.8163% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 1,585 |
| Loan loss allowance to noncurrent loans | 1,088.8235% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,901 |
| Noncurrent loans to loans | 0.1435% | 4,765 |
| Net loans and leases to total assets | 72.8060% | 2,042 |
| Net loans and leases to deposits | 84.1030% | 2,469 |
| Net loans and leases to core deposits | 94.1818% | 2,179 |
| Total domestic deposits to total assets | 86.5676% | 2,102 |
| Equity capital to assets | 12.5986% | 1,709 |
| Core capital (leverage) ratio | 11.3707% | 2,138 |
| Tier 1 risk-based capital ratio | 12.8292% | 4,260 |
| Total risk-based capital ratio | 14.0910% | 4,171 |
| Memoranda: | ||
| Average total assets | $301,294,500 | 2,170 |
| Average earning assets | $278,015,750 | 2,172 |
| Average equity | $39,844,500 | 1,865 |
| Average total loans | $216,345,250 | 2,005 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,379 |
| Cost of funding earning assets | 0.0471% | 5,993 |
| Net interest margin | 4.1894% | 1,141 |
| Noninterest income to average assets | 0.3221% | 4,481 |
| Noninterest expense to average assets | 3.4319% | 1,309 |
| Loan and lease loss provision to assets | 0.2543% | 753 |
| Net operating income to assets | 0.3004% | 5,323 |
| Return on assets (ROA) | 0.3004% | 5,409 |
| Pretax return on assets | 0.4998% | 5,131 |
| Return on Equity (ROE) | 2.2333% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.2333% | 4,457 |
| Net charge-offs to loans | -0.0019% | 4,370 |
| Credit loss provision to net charge-offs | -18,750.0000% | 5,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9861% | 1,272 |
| Assets per employee ($millions) | 6.4450% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6308% | 1,442 |
| Loan loss allowance to noncurrent loans | 802.3758% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,787 |
| Noncurrent loans to loans | 0.2032% | 4,630 |
| Net loans and leases to total assets | 72.4365% | 2,099 |
| Net loans and leases to deposits | 83.9380% | 2,476 |
| Net loans and leases to core deposits | 95.3696% | 2,034 |
| Total domestic deposits to total assets | 86.2976% | 2,272 |
| Equity capital to assets | 12.9631% | 1,526 |
| Core capital (leverage) ratio | 11.2134% | 2,221 |
| Tier 1 risk-based capital ratio | 13.1702% | 4,095 |
| Total risk-based capital ratio | 14.4329% | 4,004 |
| Memoranda: | ||
| Average total assets | $294,936,670 | 2,212 |
| Average earning assets | $272,019,670 | 2,222 |
| Average equity | $39,672,000 | 1,871 |
| Average total loans | $209,477,330 | 2,059 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 2,839 |
| Cost of funding earning assets | 0.0431% | 6,061 |
| Net interest margin | 4.0579% | 1,452 |
| Noninterest income to average assets | 0.2864% | 4,676 |
| Noninterest expense to average assets | 3.5659% | 1,071 |
| Loan and lease loss provision to assets | 0.1043% | 1,965 |
| Net operating income to assets | 0.2475% | 5,441 |
| Return on assets (ROA) | 0.2475% | 5,505 |
| Pretax return on assets | 0.4101% | 5,291 |
| Return on Equity (ROE) | 1.8045% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.8045% | 4,539 |
| Net charge-offs to loans | -0.0040% | 4,235 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3935% | 857 |
| Assets per employee ($millions) | 6.5166% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,517 |
| Loan loss allowance to noncurrent loans | 709.7713% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,789 |
| Noncurrent loans to loans | 0.2305% | 4,605 |
| Net loans and leases to total assets | 69.9824% | 2,347 |
| Net loans and leases to deposits | 81.6742% | 2,585 |
| Net loans and leases to core deposits | 93.6736% | 2,025 |
| Total domestic deposits to total assets | 85.6848% | 2,816 |
| Equity capital to assets | 13.5316% | 1,173 |
| Core capital (leverage) ratio | 12.2721% | 1,448 |
| Tier 1 risk-based capital ratio | 13.9236% | 3,737 |
| Total risk-based capital ratio | 15.1881% | 3,658 |
| Memoranda: | ||
| Average total assets | $287,724,000 | 2,257 |
| Average earning assets | $269,005,500 | 2,250 |
| Average equity | $39,456,500 | 1,871 |
| Average total loans | $200,313,000 | 2,130 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,007 |
| Cost of funding earning assets | 0.0453% | 6,110 |
| Net interest margin | 4.0336% | 1,609 |
| Noninterest income to average assets | 0.3621% | 4,314 |
| Noninterest expense to average assets | 3.6243% | 1,080 |
| Loan and lease loss provision to assets | 0.4044% | 334 |
| Net operating income to assets | 2.9990% | 88 |
| Return on assets (ROA) | 2.9990% | 88 |
| Pretax return on assets | 0.1704% | 5,726 |
| Return on Equity (ROE) | 23.1347% | 130 |
| Retained earnings to average equity (ytd only) | 23.1347% | 49 |
| Net charge-offs to loans | 0.6405% | 371 |
| Credit loss provision to net charge-offs | 92.2289% | 2,719 |
| Earnings coverage of net charge-offs (x) | 1.3108% | 4,109 |
| Efficiency ratio | 86.3118% | 971 |
| Assets per employee ($millions) | 6.7190% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 1,271 |
| Loan loss allowance to noncurrent loans | 761.8721% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 4,810 |
| Noncurrent loans to loans | 0.2281% | 4,609 |
| Net loans and leases to total assets | 66.8508% | 2,868 |
| Net loans and leases to deposits | 78.2773% | 3,022 |
| Net loans and leases to core deposits | 88.9243% | 2,507 |
| Total domestic deposits to total assets | 85.4026% | 2,899 |
| Equity capital to assets | 13.9022% | 964 |
| Core capital (leverage) ratio | 11.8751% | 1,704 |
| Tier 1 risk-based capital ratio | 14.6080% | 3,375 |
| Total risk-based capital ratio | 15.8799% | 3,289 |
| Memoranda: | ||
| Average total assets | $267,055,600 | 2,366 |
| Average earning assets | $254,042,600 | 2,316 |
| Average equity | $34,619,000 | 2,060 |
| Average total loans | $182,837,000 | 2,212 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,678 |
| Cost of funding earning assets | 0.0450% | 6,200 |
| Net interest margin | 4.1260% | 1,334 |
| Noninterest income to average assets | 0.3226% | 4,635 |
| Noninterest expense to average assets | 3.7471% | 912 |
| Loan and lease loss provision to assets | -0.0101% | 5,817 |
| Net operating income to assets | 3.9928% | 54 |
| Return on assets (ROA) | 3.9928% | 54 |
| Pretax return on assets | 0.5297% | 5,149 |
| Return on Equity (ROE) | 31.4104% | 46 |
| Retained earnings to average equity (ytd only) | 31.4104% | 25 |
| Net charge-offs to loans | 0.0354% | 3,203 |
| Credit loss provision to net charge-offs | -41.6667% | 4,946 |
| Earnings coverage of net charge-offs (x) | 21.3745% | 1,827 |
| Efficiency ratio | 87.8220% | 855 |
| Assets per employee ($millions) | 6.8301% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8042% | 1,255 |
| Loan loss allowance to noncurrent loans | 190.7491% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 3,379 |
| Noncurrent loans to loans | 0.9459% | 2,609 |
| Net loans and leases to total assets | 65.3223% | 3,107 |
| Net loans and leases to deposits | 76.7001% | 3,227 |
| Net loans and leases to core deposits | 86.8772% | 2,766 |
| Total domestic deposits to total assets | 85.1658% | 2,946 |
| Equity capital to assets | 14.0189% | 1,014 |
| Core capital (leverage) ratio | 12.8798% | 1,241 |
| Tier 1 risk-based capital ratio | 15.8132% | 2,890 |
| Total risk-based capital ratio | 17.0683% | 2,821 |
| Memoranda: | ||
| Average total assets | $263,269,500 | 2,415 |
| Average earning assets | $251,668,750 | 2,347 |
| Average equity | $33,465,750 | 2,135 |
| Average total loans | $180,548,750 | 2,239 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,349 |
| Cost of funding earning assets | 0.0451% | 6,279 |
| Net interest margin | 4.2065% | 1,100 |
| Noninterest income to average assets | 0.3609% | 4,359 |
| Noninterest expense to average assets | 3.8241% | 843 |
| Loan and lease loss provision to assets | -0.0155% | 5,970 |
| Net operating income to assets | 0.5969% | 4,360 |
| Return on assets (ROA) | 0.5969% | 4,454 |
| Pretax return on assets | 0.6046% | 4,964 |
| Return on Equity (ROE) | 4.8771% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.8771% | 2,941 |
| Net charge-offs to loans | 0.0549% | 2,624 |
| Credit loss provision to net charge-offs | -40.8163% | 4,794 |
| Earnings coverage of net charge-offs (x) | 15.4898% | 1,972 |
| Efficiency ratio | 86.6514% | 1,007 |
| Assets per employee ($millions) | 6.5495% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 1,222 |
| Loan loss allowance to noncurrent loans | 190.6924% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 3,383 |
| Noncurrent loans to loans | 0.9812% | 2,679 |
| Net loans and leases to total assets | 67.2624% | 2,756 |
| Net loans and leases to deposits | 76.9309% | 3,171 |
| Net loans and leases to core deposits | 87.3181% | 2,627 |
| Total domestic deposits to total assets | 87.4322% | 1,942 |
| Equity capital to assets | 12.1784% | 1,889 |
| Core capital (leverage) ratio | 12.2990% | 1,487 |
| Tier 1 risk-based capital ratio | 15.7862% | 2,960 |
| Total risk-based capital ratio | 17.0425% | 2,918 |
| Memoranda: | ||
| Average total assets | $257,680,670 | 2,474 |
| Average earning assets | $248,234,670 | 2,382 |
| Average equity | $31,535,000 | 2,243 |
| Average total loans | $178,636,000 | 2,270 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 1,832 |
| Cost of funding earning assets | 0.0470% | 6,351 |
| Net interest margin | 4.3350% | 819 |
| Noninterest income to average assets | 0.3225% | 4,609 |
| Noninterest expense to average assets | 3.8962% | 773 |
| Loan and lease loss provision to assets | -0.0313% | 6,131 |
| Net operating income to assets | 0.6418% | 4,078 |
| Return on assets (ROA) | 0.6418% | 4,196 |
| Pretax return on assets | 0.6465% | 4,776 |
| Return on Equity (ROE) | 5.2313% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.2313% | 2,933 |
| Net charge-offs to loans | -0.0022% | 4,359 |
| Credit loss provision to net charge-offs | 2,000.0000% | 197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3636% | 1,147 |
| Assets per employee ($millions) | 6.4315% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9496% | 1,188 |
| Loan loss allowance to noncurrent loans | 166.4226% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7770% | 3,169 |
| Noncurrent loans to loans | 1.1715% | 2,432 |
| Net loans and leases to total assets | 65.0370% | 2,929 |
| Net loans and leases to deposits | 74.2609% | 3,275 |
| Net loans and leases to core deposits | 84.3814% | 2,729 |
| Total domestic deposits to total assets | 87.5790% | 2,058 |
| Equity capital to assets | 11.9838% | 2,037 |
| Core capital (leverage) ratio | 12.3301% | 1,438 |
| Tier 1 risk-based capital ratio | 16.0423% | 2,899 |
| Total risk-based capital ratio | 17.2994% | 2,829 |
| Memoranda: | ||
| Average total assets | $255,531,000 | 2,505 |
| Average earning assets | $246,920,500 | 2,408 |
| Average equity | $31,350,000 | 2,267 |
| Average total loans | $178,167,000 | 2,282 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 1,781 |
| Cost of funding earning assets | 0.0528% | 6,432 |
| Net interest margin | 4.4703% | 790 |
| Noninterest income to average assets | 0.3596% | 4,526 |
| Noninterest expense to average assets | 3.8260% | 952 |
| Loan and lease loss provision to assets | 0.0564% | 3,422 |
| Net operating income to assets | 0.7570% | 3,591 |
| Return on assets (ROA) | 0.7570% | 3,694 |
| Pretax return on assets | 0.7752% | 4,348 |
| Return on Equity (ROE) | 5.8421% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.8421% | 2,029 |
| Net charge-offs to loans | -0.0035% | 5,425 |
| Credit loss provision to net charge-offs | -2,166.6667% | 5,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1459% | 1,647 |
| Assets per employee ($millions) | 6.1843% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 1,337 |
| Loan loss allowance to noncurrent loans | 155.0181% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 2,971 |
| Noncurrent loans to loans | 1.2192% | 2,411 |
| Net loans and leases to total assets | 71.9560% | 1,919 |
| Net loans and leases to deposits | 82.8604% | 2,356 |
| Net loans and leases to core deposits | 95.8380% | 1,737 |
| Total domestic deposits to total assets | 86.8401% | 2,365 |
| Equity capital to assets | 12.5722% | 1,602 |
| Core capital (leverage) ratio | 12.6451% | 1,286 |
| Tier 1 risk-based capital ratio | 15.5708% | 3,198 |
| Total risk-based capital ratio | 16.8277% | 3,121 |
| Memoranda: | ||
| Average total assets | $230,526,200 | 2,692 |
| Average earning assets | $221,642,200 | 2,608 |
| Average equity | $29,869,400 | 2,277 |
| Average total loans | $171,600,600 | 2,309 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,646 |
| Cost of funding earning assets | 0.0546% | 6,513 |
| Net interest margin | 4.5148% | 716 |
| Noninterest income to average assets | 0.3659% | 4,497 |
| Noninterest expense to average assets | 3.8806% | 870 |
| Loan and lease loss provision to assets | 0.0177% | 4,059 |
| Net operating income to assets | 0.7841% | 3,489 |
| Return on assets (ROA) | 0.7841% | 3,600 |
| Pretax return on assets | 0.8018% | 4,361 |
| Return on Equity (ROE) | 6.0031% | 4,233 |
| Retained earnings to average equity (ytd only) | 6.0031% | 2,407 |
| Net charge-offs to loans | -0.0039% | 5,266 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5646% | 1,544 |
| Assets per employee ($millions) | 5.7682% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9173% | 1,415 |
| Loan loss allowance to noncurrent loans | 1,526.6055% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 5,785 |
| Noncurrent loans to loans | 0.1256% | 5,547 |
| Net loans and leases to total assets | 73.7860% | 1,556 |
| Net loans and leases to deposits | 85.4862% | 1,969 |
| Net loans and leases to core deposits | 99.8270% | 1,382 |
| Total domestic deposits to total assets | 86.3133% | 2,694 |
| Equity capital to assets | 13.2247% | 1,313 |
| Core capital (leverage) ratio | 13.0188% | 1,166 |
| Tier 1 risk-based capital ratio | 16.2794% | 2,917 |
| Total risk-based capital ratio | 17.5371% | 2,862 |
| Memoranda: | ||
| Average total assets | $226,314,750 | 2,749 |
| Average earning assets | $217,264,500 | 2,658 |
| Average equity | $29,561,750 | 2,306 |
| Average total loans | $169,143,750 | 2,343 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,028 |
| Cost of funding earning assets | 0.0575% | 6,571 |
| Net interest margin | 4.3840% | 875 |
| Noninterest income to average assets | 0.3691% | 4,487 |
| Noninterest expense to average assets | 3.7920% | 980 |
| Loan and lease loss provision to assets | 0.0445% | 3,429 |
| Net operating income to assets | 0.7223% | 3,719 |
| Return on assets (ROA) | 0.7223% | 3,816 |
| Pretax return on assets | 0.7356% | 4,517 |
| Return on Equity (ROE) | 5.5531% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.5531% | 2,608 |
| Net charge-offs to loans | -0.0048% | 5,165 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9377% | 1,639 |
| Assets per employee ($millions) | 6.0733% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9155% | 1,544 |
| Loan loss allowance to noncurrent loans | 1,514.4796% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 5,873 |
| Noncurrent loans to loans | 0.1265% | 5,640 |
| Net loans and leases to total assets | 72.3574% | 1,679 |
| Net loans and leases to deposits | 83.4136% | 2,099 |
| Net loans and leases to core deposits | 97.7438% | 1,461 |
| Total domestic deposits to total assets | 86.7453% | 2,605 |
| Equity capital to assets | 12.6856% | 1,547 |
| Core capital (leverage) ratio | 12.8949% | 1,198 |
| Tier 1 risk-based capital ratio | 15.9674% | 3,107 |
| Total risk-based capital ratio | 17.2252% | 3,040 |
| Memoranda: | ||
| Average total assets | $224,843,670 | 2,770 |
| Average earning assets | $215,554,330 | 2,680 |
| Average equity | $29,244,670 | 2,318 |
| Average total loans | $167,667,330 | 2,361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,971 |
| Cost of funding earning assets | 0.0611% | 6,645 |
| Net interest margin | 4.3855% | 828 |
| Noninterest income to average assets | 0.3656% | 4,464 |
| Noninterest expense to average assets | 3.8367% | 936 |
| Loan and lease loss provision to assets | 0.0914% | 2,392 |
| Net operating income to assets | 0.6324% | 4,036 |
| Return on assets (ROA) | 0.6324% | 4,123 |
| Pretax return on assets | 0.6379% | 4,703 |
| Return on Equity (ROE) | 4.7983% | 4,639 |
| Retained earnings to average equity (ytd only) | 4.7983% | 3,233 |
| Net charge-offs to loans | -0.0049% | 4,814 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0272% | 1,668 |
| Assets per employee ($millions) | 5.9992% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 1,540 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 5,946 |
| Noncurrent loans to loans | 0.1325% | 5,710 |
| Net loans and leases to total assets | 74.3004% | 1,229 |
| Net loans and leases to deposits | 86.2268% | 1,571 |
| Net loans and leases to core deposits | 100.7188% | 1,056 |
| Total domestic deposits to total assets | 86.1685% | 3,270 |
| Equity capital to assets | 13.1206% | 1,255 |
| Core capital (leverage) ratio | 13.3795% | 1,014 |
| Tier 1 risk-based capital ratio | 16.3311% | 2,990 |
| Total risk-based capital ratio | 17.5898% | 2,948 |
| Memoranda: | ||
| Average total assets | $218,836,000 | 2,843 |
| Average earning assets | $209,600,500 | 2,755 |
| Average equity | $28,843,500 | 2,336 |
| Average total loans | $164,135,000 | 2,407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,858 |
| Cost of funding earning assets | 0.0750% | 6,717 |
| Net interest margin | 4.2512% | 1,217 |
| Noninterest income to average assets | 0.4092% | 4,382 |
| Noninterest expense to average assets | 3.7814% | 1,169 |
| Loan and lease loss provision to assets | 0.1437% | 2,507 |
| Net operating income to assets | 0.5410% | 4,555 |
| Return on assets (ROA) | 0.5410% | 4,676 |
| Pretax return on assets | 0.5592% | 5,009 |
| Return on Equity (ROE) | 4.0076% | 5,107 |
| Retained earnings to average equity (ytd only) | 4.0076% | 3,340 |
| Net charge-offs to loans | -0.1213% | 6,524 |
| Credit loss provision to net charge-offs | -172.4138% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3252% | 1,592 |
| Assets per employee ($millions) | 5.9917% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0581% | 1,424 |
| Loan loss allowance to noncurrent loans | 1,463.5556% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 6,017 |
| Noncurrent loans to loans | 0.1406% | 5,780 |
| Net loans and leases to total assets | 72.6500% | 1,568 |
| Net loans and leases to deposits | 84.3980% | 1,878 |
| Net loans and leases to core deposits | 99.1340% | 1,224 |
| Total domestic deposits to total assets | 86.0802% | 3,216 |
| Equity capital to assets | 13.2420% | 1,161 |
| Core capital (leverage) ratio | 13.4157% | 986 |
| Tier 1 risk-based capital ratio | 16.9707% | 2,624 |
| Total risk-based capital ratio | 18.2298% | 2,582 |
| Memoranda: | ||
| Average total assets | $208,706,400 | 2,928 |
| Average earning assets | $200,059,200 | 2,825 |
| Average equity | $28,171,600 | 2,367 |
| Average total loans | $143,443,200 | 2,651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2016% | 3,386 |
| Cost of funding earning assets | 0.0780% | 6,801 |
| Net interest margin | 4.1236% | 1,558 |
| Noninterest income to average assets | 0.4149% | 4,410 |
| Noninterest expense to average assets | 3.6953% | 1,254 |
| Loan and lease loss provision to assets | 0.0966% | 3,148 |
| Net operating income to assets | 0.5592% | 4,533 |
| Return on assets (ROA) | 0.5592% | 4,686 |
| Pretax return on assets | 0.5747% | 5,115 |
| Return on Equity (ROE) | 4.1224% | 5,162 |
| Retained earnings to average equity (ytd only) | 4.1224% | 3,747 |
| Net charge-offs to loans | -0.0048% | 5,780 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6267% | 1,519 |
| Assets per employee ($millions) | 5.9263% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0137% | 1,688 |
| Loan loss allowance to noncurrent loans | 167.5493% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 4,081 |
| Noncurrent loans to loans | 1.2019% | 3,416 |
| Net loans and leases to total assets | 65.9958% | 2,638 |
| Net loans and leases to deposits | 76.2588% | 2,923 |
| Net loans and leases to core deposits | 90.0151% | 1,962 |
| Total domestic deposits to total assets | 86.5419% | 2,938 |
| Equity capital to assets | 12.8931% | 1,380 |
| Core capital (leverage) ratio | 13.6233% | 975 |
| Tier 1 risk-based capital ratio | 17.7904% | 2,409 |
| Total risk-based capital ratio | 19.0490% | 2,373 |
| Memoranda: | ||
| Average total assets | $206,958,000 | 2,964 |
| Average earning assets | $198,333,250 | 2,869 |
| Average equity | $28,073,750 | 2,403 |
| Average total loans | $139,304,250 | 2,722 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 3,231 |
| Cost of funding earning assets | 0.0815% | 6,846 |
| Net interest margin | 4.1505% | 1,408 |
| Noninterest income to average assets | 0.4161% | 4,408 |
| Noninterest expense to average assets | 3.8205% | 1,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5502% | 4,553 |
| Return on assets (ROA) | 0.5502% | 4,718 |
| Pretax return on assets | 0.5640% | 5,152 |
| Return on Equity (ROE) | 3.9846% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.9846% | 3,756 |
| Net charge-offs to loans | -0.0044% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1374% | 1,309 |
| Assets per employee ($millions) | 5.7166% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0475% | 1,748 |
| Loan loss allowance to noncurrent loans | 143.9062% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 3,807 |
| Noncurrent loans to loans | 1.4228% | 3,164 |
| Net loans and leases to total assets | 67.4750% | 2,341 |
| Net loans and leases to deposits | 78.9391% | 2,464 |
| Net loans and leases to core deposits | 91.5455% | 1,756 |
| Total domestic deposits to total assets | 85.4773% | 3,651 |
| Equity capital to assets | 13.9339% | 989 |
| Core capital (leverage) ratio | 13.9113% | 846 |
| Tier 1 risk-based capital ratio | 18.7320% | 2,071 |
| Total risk-based capital ratio | 19.9912% | 2,033 |
| Memoranda: | ||
| Average total assets | $202,853,000 | 3,040 |
| Average earning assets | $193,953,000 | 2,943 |
| Average equity | $28,008,000 | 2,423 |
| Average total loans | $136,510,670 | 2,767 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 3,251 |
| Cost of funding earning assets | 0.0802% | 6,937 |
| Net interest margin | 4.1329% | 1,365 |
| Noninterest income to average assets | 0.4152% | 4,346 |
| Noninterest expense to average assets | 3.9326% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3662% | 5,278 |
| Return on assets (ROA) | 0.3662% | 5,412 |
| Pretax return on assets | 0.4211% | 5,497 |
| Return on Equity (ROE) | 2.6645% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.6645% | 4,686 |
| Net charge-offs to loans | -0.0059% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3284% | 1,117 |
| Assets per employee ($millions) | 5.7851% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 1,857 |
| Loan loss allowance to noncurrent loans | 140.0695% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.9670% | 3,998 |
| Noncurrent loans to loans | 1.4813% | 3,338 |
| Net loans and leases to total assets | 63.9304% | 2,721 |
| Net loans and leases to deposits | 74.5850% | 2,840 |
| Net loans and leases to core deposits | 85.7224% | 2,134 |
| Total domestic deposits to total assets | 85.7148% | 3,673 |
| Equity capital to assets | 13.5237% | 1,206 |
| Core capital (leverage) ratio | 14.0393% | 793 |
| Tier 1 risk-based capital ratio | 18.7673% | 2,105 |
| Total risk-based capital ratio | 20.0265% | 2,078 |
| Memoranda: | ||
| Average total assets | $204,239,500 | 3,047 |
| Average earning assets | $194,631,500 | 2,961 |
| Average equity | $28,072,500 | 2,436 |
| Average total loans | $135,853,000 | 2,793 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 3,093 |
| Cost of funding earning assets | 0.1061% | 6,989 |
| Net interest margin | 4.4705% | 1,001 |
| Noninterest income to average assets | 0.4628% | 4,153 |
| Noninterest expense to average assets | 4.1717% | 802 |
| Loan and lease loss provision to assets | 0.1142% | 4,209 |
| Net operating income to assets | 0.4084% | 5,065 |
| Return on assets (ROA) | 0.4084% | 5,320 |
| Pretax return on assets | 0.4177% | 5,528 |
| Return on Equity (ROE) | 2.9074% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.9074% | 4,182 |
| Net charge-offs to loans | 0.0475% | 5,251 |
| Credit loss provision to net charge-offs | 350.0000% | 696 |
| Earnings coverage of net charge-offs (x) | 16.3000% | 1,585 |
| Efficiency ratio | 88.6923% | 1,175 |
| Assets per employee ($millions) | 6.0671% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 1,826 |
| Loan loss allowance to noncurrent loans | 136.5133% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 3,804 |
| Noncurrent loans to loans | 1.5213% | 3,326 |
| Net loans and leases to total assets | 66.3896% | 2,470 |
| Net loans and leases to deposits | 78.0934% | 2,517 |
| Net loans and leases to core deposits | 91.3792% | 1,688 |
| Total domestic deposits to total assets | 85.0131% | 3,858 |
| Equity capital to assets | 13.9750% | 1,055 |
| Core capital (leverage) ratio | 14.3753% | 703 |
| Tier 1 risk-based capital ratio | 18.0993% | 2,226 |
| Total risk-based capital ratio | 19.3580% | 2,196 |
| Memoranda: | ||
| Average total assets | $183,880,200 | 3,260 |
| Average earning assets | $174,431,200 | 3,170 |
| Average equity | $25,830,600 | 2,584 |
| Average total loans | $126,222,000 | 2,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 3,623 |
| Cost of funding earning assets | 0.1094% | 7,101 |
| Net interest margin | 4.3944% | 1,210 |
| Noninterest income to average assets | 0.4642% | 4,186 |
| Noninterest expense to average assets | 4.2128% | 710 |
| Loan and lease loss provision to assets | 0.1187% | 4,067 |
| Net operating income to assets | 0.3011% | 5,613 |
| Return on assets (ROA) | 0.3011% | 5,815 |
| Pretax return on assets | 0.3040% | 5,948 |
| Return on Equity (ROE) | 2.1402% | 5,987 |
| Retained earnings to average equity (ytd only) | 2.1402% | 5,258 |
| Net charge-offs to loans | 0.0301% | 5,230 |
| Credit loss provision to net charge-offs | 571.4286% | 459 |
| Earnings coverage of net charge-offs (x) | 20.3584% | 1,449 |
| Efficiency ratio | 90.8815% | 976 |
| Assets per employee ($millions) | 6.1564% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0448% | 2,048 |
| Loan loss allowance to noncurrent loans | 117.0497% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.6002% | 3,197 |
| Noncurrent loans to loans | 1.7470% | 3,160 |
| Net loans and leases to total assets | 70.3058% | 1,856 |
| Net loans and leases to deposits | 83.2773% | 1,962 |
| Net loans and leases to core deposits | 95.2955% | 1,460 |
| Total domestic deposits to total assets | 84.4238% | 4,019 |
| Equity capital to assets | 14.5246% | 961 |
| Core capital (leverage) ratio | 14.5142% | 704 |
| Tier 1 risk-based capital ratio | 17.6553% | 2,477 |
| Total risk-based capital ratio | 18.9138% | 2,444 |
| Memoranda: | ||
| Average total assets | $179,796,500 | 3,354 |
| Average earning assets | $170,668,750 | 3,251 |
| Average equity | $25,293,250 | 2,652 |
| Average total loans | $123,842,250 | 3,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 3,956 |
| Cost of funding earning assets | 0.1115% | 7,169 |
| Net interest margin | 4.3449% | 1,353 |
| Noninterest income to average assets | 0.5190% | 3,794 |
| Noninterest expense to average assets | 4.4642% | 573 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1703% | 6,002 |
| Return on assets (ROA) | 0.1703% | 6,175 |
| Pretax return on assets | 0.1715% | 6,193 |
| Return on Equity (ROE) | 1.2253% | 6,255 |
| Retained earnings to average equity (ytd only) | 1.2253% | 5,583 |
| Net charge-offs to loans | -0.0117% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3008% | 689 |
| Assets per employee ($millions) | 5.9635% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 1,985 |
| Loan loss allowance to noncurrent loans | 46.3377% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.6680% | 1,431 |
| Noncurrent loans to loans | 4.5433% | 1,158 |
| Net loans and leases to total assets | 67.3106% | 2,402 |
| Net loans and leases to deposits | 79.8264% | 2,408 |
| Net loans and leases to core deposits | 90.4541% | 1,939 |
| Total domestic deposits to total assets | 84.3212% | 4,183 |
| Equity capital to assets | 14.7160% | 856 |
| Core capital (leverage) ratio | 14.7026% | 651 |
| Tier 1 risk-based capital ratio | 18.6150% | 2,099 |
| Total risk-based capital ratio | 19.8745% | 2,049 |
| Memoranda: | ||
| Average total assets | $176,112,330 | 3,424 |
| Average earning assets | $166,862,000 | 3,315 |
| Average equity | $24,484,330 | 2,721 |
| Average total loans | $119,463,330 | 3,145 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5987% | 3,505 |
| Cost of funding earning assets | 0.1160% | 7,235 |
| Net interest margin | 4.4828% | 1,044 |
| Noninterest income to average assets | 0.4402% | 4,371 |
| Noninterest expense to average assets | 4.8027% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1304% | 6,569 |
| Return on assets (ROA) | -0.1304% | 6,639 |
| Pretax return on assets | -0.1304% | 6,620 |
| Return on Equity (ROE) | -0.9687% | 6,624 |
| Retained earnings to average equity (ytd only) | -0.9687% | 6,150 |
| Net charge-offs to loans | -0.0208% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7916% | 477 |
| Assets per employee ($millions) | 5.5693% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3079% | 1,662 |
| Loan loss allowance to noncurrent loans | 45.3928% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 4.1443% | 1,320 |
| Noncurrent loans to loans | 5.0843% | 1,096 |
| Net loans and leases to total assets | 65.5849% | 2,547 |
| Net loans and leases to deposits | 78.6021% | 2,397 |
| Net loans and leases to core deposits | 87.2841% | 2,138 |
| Total domestic deposits to total assets | 83.4391% | 4,736 |
| Equity capital to assets | 15.5322% | 654 |
| Core capital (leverage) ratio | 14.8848% | 617 |
| Tier 1 risk-based capital ratio | 20.0002% | 1,715 |
| Total risk-based capital ratio | 21.2618% | 1,678 |
| Memoranda: | ||
| Average total assets | $171,735,000 | 3,490 |
| Average earning assets | $162,131,500 | 3,405 |
| Average equity | $23,124,000 | 2,839 |
| Average total loans | $115,639,500 | 3,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1970% | 2,070 |
| Cost of funding earning assets | 0.1610% | 7,272 |
| Net interest margin | 5.0360% | 384 |
| Noninterest income to average assets | 0.4228% | 4,430 |
| Noninterest expense to average assets | 4.9925% | 383 |
| Loan and lease loss provision to assets | 0.6071% | 1,703 |
| Net operating income to assets | -0.4440% | 6,446 |
| Return on assets (ROA) | -0.4440% | 6,499 |
| Pretax return on assets | -0.4433% | 6,447 |
| Return on Equity (ROE) | -3.6847% | 6,451 |
| Retained earnings to average equity (ytd only) | -3.6847% | 6,339 |
| Net charge-offs to loans | 0.8380% | 2,070 |
| Credit loss provision to net charge-offs | 105.5195% | 3,241 |
| Earnings coverage of net charge-offs (x) | 0.2846% | 5,613 |
| Efficiency ratio | 96.8241% | 778 |
| Assets per employee ($millions) | 5.3382% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3134% | 1,603 |
| Loan loss allowance to noncurrent loans | 44.3503% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 4.2617% | 1,310 |
| Noncurrent loans to loans | 5.2161% | 1,046 |
| Net loans and leases to total assets | 65.9775% | 2,786 |
| Net loans and leases to deposits | 75.3606% | 3,286 |
| Net loans and leases to core deposits | 80.8250% | 3,339 |
| Total domestic deposits to total assets | 87.5490% | 2,444 |
| Equity capital to assets | 11.3756% | 2,615 |
| Core capital (leverage) ratio | 11.4726% | 1,914 |
| Tier 1 risk-based capital ratio | 14.3030% | 4,106 |
| Total risk-based capital ratio | 15.5647% | 4,062 |
| Memoranda: | ||
| Average total assets | $160,601,200 | 3,623 |
| Average earning assets | $150,952,200 | 3,569 |
| Average equity | $19,350,200 | 3,237 |
| Average total loans | $110,262,000 | 3,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 1,679 |
| Cost of funding earning assets | 0.1662% | 7,355 |
| Net interest margin | 5.1819% | 299 |
| Noninterest income to average assets | 0.4201% | 4,516 |
| Noninterest expense to average assets | 5.1806% | 319 |
| Loan and lease loss provision to assets | 0.8225% | 1,131 |
| Net operating income to assets | -0.7179% | 6,766 |
| Return on assets (ROA) | -0.7179% | 6,798 |
| Pretax return on assets | -0.7171% | 6,746 |
| Return on Equity (ROE) | -5.8699% | 6,710 |
| Retained earnings to average equity (ytd only) | -5.8699% | 6,637 |
| Net charge-offs to loans | 0.9261% | 1,733 |
| Credit loss provision to net charge-offs | 128.7979% | 2,471 |
| Earnings coverage of net charge-offs (x) | 0.1651% | 5,480 |
| Efficiency ratio | 98.0051% | 738 |
| Assets per employee ($millions) | 5.1822% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5254% | 1,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7856% | 5,205 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 68.1384% | 2,456 |
| Net loans and leases to deposits | 78.3625% | 2,909 |
| Net loans and leases to core deposits | 84.7165% | 2,953 |
| Total domestic deposits to total assets | 86.9528% | 2,685 |
| Equity capital to assets | 11.9728% | 2,271 |
| Core capital (leverage) ratio | 11.8853% | 1,773 |
| Tier 1 risk-based capital ratio | 14.4854% | 3,990 |
| Total risk-based capital ratio | 15.7491% | 3,953 |
| Memoranda: | ||
| Average total assets | $158,046,000 | 3,688 |
| Average earning assets | $148,409,000 | 3,626 |
| Average equity | $19,329,750 | 3,239 |
| Average total loans | $108,984,250 | 3,437 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 2,008 |
| Cost of funding earning assets | 0.1695% | 7,430 |
| Net interest margin | 5.0953% | 335 |
| Noninterest income to average assets | 0.4288% | 4,433 |
| Noninterest expense to average assets | 5.2997% | 296 |
| Loan and lease loss provision to assets | 1.2406% | 617 |
| Net operating income to assets | -1.3322% | 7,047 |
| Return on assets (ROA) | -1.3322% | 7,054 |
| Pretax return on assets | -1.3310% | 7,010 |
| Return on Equity (ROE) | -10.8152% | 6,962 |
| Retained earnings to average equity (ytd only) | -10.8152% | 6,907 |
| Net charge-offs to loans | 1.1327% | 1,381 |
| Credit loss provision to net charge-offs | 159.5745% | 1,902 |
| Earnings coverage of net charge-offs (x) | -0.1162% | 5,356 |
| Efficiency ratio | 101.7342% | 670 |
| Assets per employee ($millions) | 5.1463% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6817% | 1,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 4,889 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.7119% | 3,086 |
| Net loans and leases to deposits | 75.4569% | 3,568 |
| Net loans and leases to core deposits | 80.1076% | 3,771 |
| Total domestic deposits to total assets | 87.0853% | 2,696 |
| Equity capital to assets | 11.4397% | 2,560 |
| Core capital (leverage) ratio | 11.5538% | 1,877 |
| Tier 1 risk-based capital ratio | 14.5882% | 3,736 |
| Total risk-based capital ratio | 15.8536% | 3,696 |
| Memoranda: | ||
| Average total assets | $157,178,670 | 3,728 |
| Average earning assets | $147,470,330 | 3,662 |
| Average equity | $19,361,670 | 3,220 |
| Average total loans | $107,879,330 | 3,508 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2493% | 2,053 |
| Cost of funding earning assets | 0.1749% | 7,491 |
| Net interest margin | 5.0744% | 325 |
| Noninterest income to average assets | 0.4223% | 4,518 |
| Noninterest expense to average assets | 5.4619% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2737% | 6,633 |
| Return on assets (ROA) | -0.2737% | 6,648 |
| Pretax return on assets | -0.2737% | 6,600 |
| Return on Equity (ROE) | -2.1403% | 6,598 |
| Retained earnings to average equity (ytd only) | -2.1403% | 6,169 |
| Net charge-offs to loans | 0.0603% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -6.5625% | 5,039 |
| Efficiency ratio | 105.2764% | 592 |
| Assets per employee ($millions) | 5.0658% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4125% | 1,591 |
| Loan loss allowance to noncurrent loans | 247.8095% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4272% | 4,134 |
| Noncurrent loans to loans | 0.9735% | 5,097 |
| Net loans and leases to total assets | 69.2574% | 2,275 |
| Net loans and leases to deposits | 80.4393% | 2,628 |
| Net loans and leases to core deposits | 86.5391% | 2,799 |
| Total domestic deposits to total assets | 86.0990% | 3,465 |
| Equity capital to assets | 12.8811% | 1,434 |
| Core capital (leverage) ratio | 12.4812% | 1,329 |
| Tier 1 risk-based capital ratio | 15.8644% | 2,968 |
| Total risk-based capital ratio | 17.1271% | 2,934 |
| Memoranda: | ||
| Average total assets | $153,427,500 | 3,824 |
| Average earning assets | $144,096,500 | 3,750 |
| Average equity | $19,623,000 | 3,168 |
| Average total loans | $106,220,500 | 3,575 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6975% | 5,814 |
| Cost of funding earning assets | 0.2889% | 7,516 |
| Net interest margin | 4.4086% | 1,444 |
| Noninterest income to average assets | 0.3194% | 5,505 |
| Noninterest expense to average assets | 5.0077% | 409 |
| Loan and lease loss provision to assets | 0.7246% | 2,266 |
| Net operating income to assets | -1.2391% | 6,801 |
| Return on assets (ROA) | -1.2391% | 6,824 |
| Pretax return on assets | -1.2385% | 6,754 |
| Return on Equity (ROE) | -9.9636% | 6,726 |
| Retained earnings to average equity (ytd only) | -9.9636% | 6,661 |
| Net charge-offs to loans | 1.1208% | 1,985 |
| Credit loss provision to net charge-offs | 110.3956% | 3,985 |
| Earnings coverage of net charge-offs (x) | -0.7829% | 6,547 |
| Efficiency ratio | 111.4351% | 512 |
| Assets per employee ($millions) | 4.8400% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 1,407 |
| Loan loss allowance to noncurrent loans | 251.9731% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3933% | 4,253 |
| Noncurrent loans to loans | 0.9935% | 5,074 |
| Net loans and leases to total assets | 65.8361% | 3,500 |
| Net loans and leases to deposits | 76.4491% | 3,774 |
| Net loans and leases to core deposits | 80.4950% | 4,137 |
| Total domestic deposits to total assets | 86.1176% | 3,298 |
| Equity capital to assets | 12.7002% | 1,530 |
| Core capital (leverage) ratio | 12.1242% | 1,469 |
| Tier 1 risk-based capital ratio | 16.1257% | 2,684 |
| Total risk-based capital ratio | 17.3895% | 2,640 |
| Memoranda: | ||
| Average total assets | $165,604,200 | 3,608 |
| Average earning assets | $156,807,600 | 3,507 |
| Average equity | $20,595,000 | 3,062 |
| Average total loans | $96,986,800 | 3,874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 6,482 |
| Cost of funding earning assets | 0.3219% | 7,622 |
| Net interest margin | 4.2215% | 2,138 |
| Noninterest income to average assets | 0.2916% | 5,793 |
| Noninterest expense to average assets | 5.2251% | 319 |
| Loan and lease loss provision to assets | 0.4754% | 3,093 |
| Net operating income to assets | -1.4095% | 7,078 |
| Return on assets (ROA) | -1.4095% | 7,099 |
| Pretax return on assets | -1.4087% | 7,018 |
| Return on Equity (ROE) | -11.3892% | 6,980 |
| Retained earnings to average equity (ytd only) | -11.3892% | 6,940 |
| Net charge-offs to loans | 0.9928% | 2,015 |
| Credit loss provision to net charge-offs | 84.7458% | 4,973 |
| Earnings coverage of net charge-offs (x) | -1.6638% | 6,520 |
| Efficiency ratio | 121.7464% | 376 |
| Assets per employee ($millions) | 4.9317% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,322 |
| Loan loss allowance to noncurrent loans | 785.9016% | 448 |
| Noncurrent assets plus other real estate owned to assets | 1.0740% | 4,964 |
| Noncurrent loans to loans | 0.3182% | 6,560 |
| Net loans and leases to total assets | 59.2225% | 5,061 |
| Net loans and leases to deposits | 68.9517% | 5,284 |
| Net loans and leases to core deposits | 71.1279% | 5,621 |
| Total domestic deposits to total assets | 85.8898% | 3,135 |
| Equity capital to assets | 12.8910% | 1,634 |
| Core capital (leverage) ratio | 11.1984% | 2,131 |
| Tier 1 risk-based capital ratio | 15.6473% | 2,930 |
| Total risk-based capital ratio | 16.9072% | 2,881 |
| Memoranda: | ||
| Average total assets | $168,285,250 | 3,612 |
| Average earning assets | $159,464,000 | 3,507 |
| Average equity | $20,826,250 | 3,070 |
| Average total loans | $95,087,250 | 3,994 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 6,868 |
| Cost of funding earning assets | 0.3747% | 7,675 |
| Net interest margin | 4.0408% | 2,836 |
| Noninterest income to average assets | 0.2783% | 5,929 |
| Noninterest expense to average assets | 5.0752% | 358 |
| Loan and lease loss provision to assets | 0.6113% | 2,352 |
| Net operating income to assets | -1.5672% | 7,174 |
| Return on assets (ROA) | -1.5672% | 7,184 |
| Pretax return on assets | -1.5660% | 7,101 |
| Return on Equity (ROE) | -12.8270% | 7,063 |
| Retained earnings to average equity (ytd only) | -12.8270% | 7,024 |
| Net charge-offs to loans | 1.3688% | 1,391 |
| Credit loss provision to net charge-offs | 80.8937% | 4,687 |
| Earnings coverage of net charge-offs (x) | -1.2635% | 6,155 |
| Efficiency ratio | 123.1704% | 376 |
| Assets per employee ($millions) | 6.5421% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5094% | 1,287 |
| Loan loss allowance to noncurrent loans | 373.1975% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 6,532 |
| Noncurrent loans to loans | 0.6724% | 5,908 |
| Net loans and leases to total assets | 52.3684% | 6,174 |
| Net loans and leases to deposits | 60.0109% | 6,409 |
| Net loans and leases to core deposits | 62.4035% | 6,517 |
| Total domestic deposits to total assets | 87.2648% | 2,398 |
| Equity capital to assets | 11.6946% | 2,283 |
| Core capital (leverage) ratio | 11.6849% | 1,816 |
| Tier 1 risk-based capital ratio | 15.9704% | 2,686 |
| Total risk-based capital ratio | 17.2295% | 2,645 |
| Memoranda: | ||
| Average total assets | $171,775,330 | 3,576 |
| Average earning assets | $163,333,330 | 3,456 |
| Average equity | $20,987,000 | 3,046 |
| Average total loans | $94,830,000 | 4,043 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 6,816 |
| Cost of funding earning assets | 0.4459% | 7,740 |
| Net interest margin | 4.0384% | 2,705 |
| Noninterest income to average assets | 0.2693% | 6,003 |
| Noninterest expense to average assets | 5.1729% | 325 |
| Loan and lease loss provision to assets | 0.5905% | 2,146 |
| Net operating income to assets | -1.6652% | 7,377 |
| Return on assets (ROA) | -1.6652% | 7,381 |
| Pretax return on assets | -1.6652% | 7,305 |
| Return on Equity (ROE) | -13.3321% | 7,269 |
| Retained earnings to average equity (ytd only) | -13.3321% | 7,140 |
| Net charge-offs to loans | 2.0041% | 854 |
| Credit loss provision to net charge-offs | 52.6316% | 4,443 |
| Earnings coverage of net charge-offs (x) | -0.9579% | 5,377 |
| Efficiency ratio | 126.2248% | 377 |
| Assets per employee ($millions) | 5.7811% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3977% | 1,424 |
| Loan loss allowance to noncurrent loans | 92.1989% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 4,438 |
| Noncurrent loans to loans | 2.6005% | 3,066 |
| Net loans and leases to total assets | 51.8112% | 6,292 |
| Net loans and leases to deposits | 59.3416% | 6,528 |
| Net loans and leases to core deposits | 64.0993% | 6,443 |
| Total domestic deposits to total assets | 87.3101% | 2,460 |
| Equity capital to assets | 11.6760% | 2,244 |
| Core capital (leverage) ratio | 12.1515% | 1,569 |
| Tier 1 risk-based capital ratio | 15.9387% | 2,677 |
| Total risk-based capital ratio | 17.1972% | 2,622 |
| Memoranda: | ||
| Average total assets | $169,344,500 | 3,670 |
| Average earning assets | $160,557,000 | 3,556 |
| Average equity | $21,152,000 | 3,049 |
| Average total loans | $94,803,500 | 4,107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 7,238 |
| Cost of funding earning assets | 0.7230% | 7,656 |
| Net interest margin | 3.9076% | 3,236 |
| Noninterest income to average assets | 0.2768% | 6,123 |
| Noninterest expense to average assets | 5.7493% | 345 |
| Loan and lease loss provision to assets | 1.2948% | 1,788 |
| Net operating income to assets | -3.0265% | 7,400 |
| Return on assets (ROA) | -3.0265% | 7,410 |
| Pretax return on assets | -3.0259% | 7,299 |
| Return on Equity (ROE) | -22.1797% | 7,214 |
| Retained earnings to average equity (ytd only) | -22.1797% | 7,183 |
| Net charge-offs to loans | 2.7315% | 826 |
| Credit loss provision to net charge-offs | 79.0223% | 6,307 |
| Earnings coverage of net charge-offs (x) | -1.0565% | 6,888 |
| Efficiency ratio | 143.0824% | 361 |
| Assets per employee ($millions) | 5.9065% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6516% | 1,069 |
| Loan loss allowance to noncurrent loans | 83.5278% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 1.8805% | 3,554 |
| Noncurrent loans to loans | 3.1745% | 2,413 |
| Net loans and leases to total assets | 57.6692% | 5,715 |
| Net loans and leases to deposits | 67.5500% | 5,883 |
| Net loans and leases to core deposits | 76.9806% | 6,338 |
| Total domestic deposits to total assets | 85.3726% | 3,375 |
| Equity capital to assets | 13.4059% | 1,360 |
| Core capital (leverage) ratio | 12.9034% | 1,276 |
| Tier 1 risk-based capital ratio | 16.4740% | 2,328 |
| Total risk-based capital ratio | 17.7348% | 2,273 |
| Memoranda: | ||
| Average total assets | $167,290,000 | 3,654 |
| Average earning assets | $160,175,600 | 3,519 |
| Average equity | $22,827,200 | 2,847 |
| Average total loans | $100,349,400 | 3,940 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 7,372 |
| Cost of funding earning assets | 0.7917% | 7,703 |
| Net interest margin | 3.8410% | 3,474 |
| Noninterest income to average assets | 0.2931% | 6,133 |
| Noninterest expense to average assets | 5.7265% | 340 |
| Loan and lease loss provision to assets | 1.6079% | 1,176 |
| Net operating income to assets | -3.3655% | 7,666 |
| Return on assets (ROA) | -3.3655% | 7,671 |
| Pretax return on assets | -3.3647% | 7,585 |
| Return on Equity (ROE) | -24.5625% | 7,497 |
| Retained earnings to average equity (ytd only) | -24.5625% | 7,473 |
| Net charge-offs to loans | 4.0267% | 348 |
| Credit loss provision to net charge-offs | 66.3740% | 6,058 |
| Earnings coverage of net charge-offs (x) | -0.7252% | 6,571 |
| Efficiency ratio | 144.2548% | 345 |
| Assets per employee ($millions) | 5.9155% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2503% | 1,348 |
| Loan loss allowance to noncurrent loans | 51.5106% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.3980% | 2,873 |
| Noncurrent loans to loans | 4.3686% | 1,621 |
| Net loans and leases to total assets | 53.6577% | 6,426 |
| Net loans and leases to deposits | 62.6421% | 6,617 |
| Net loans and leases to core deposits | 73.8756% | 6,736 |
| Total domestic deposits to total assets | 85.6576% | 2,881 |
| Equity capital to assets | 13.2883% | 1,579 |
| Core capital (leverage) ratio | 12.9110% | 1,402 |
| Tier 1 risk-based capital ratio | 16.8859% | 2,312 |
| Total risk-based capital ratio | 18.1415% | 2,257 |
| Memoranda: | ||
| Average total assets | $169,243,750 | 3,642 |
| Average earning assets | $162,002,750 | 3,512 |
| Average equity | $23,189,250 | 2,834 |
| Average total loans | $101,818,500 | 3,940 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 7,429 |
| Cost of funding earning assets | 0.8715% | 7,730 |
| Net interest margin | 3.7957% | 3,567 |
| Noninterest income to average assets | 0.3004% | 6,115 |
| Noninterest expense to average assets | 6.0124% | 317 |
| Loan and lease loss provision to assets | 2.9816% | 509 |
| Net operating income to assets | -5.0256% | 7,935 |
| Return on assets (ROA) | -5.0256% | 7,929 |
| Pretax return on assets | -5.0244% | 7,862 |
| Return on Equity (ROE) | -36.3238% | 7,805 |
| Retained earnings to average equity (ytd only) | -36.3238% | 7,789 |
| Net charge-offs to loans | 7.6434% | 113 |
| Credit loss provision to net charge-offs | 63.0521% | 5,541 |
| Earnings coverage of net charge-offs (x) | -0.4320% | 6,035 |
| Efficiency ratio | 151.4632% | 363 |
| Assets per employee ($millions) | 5.4628% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 2,460 |
| Loan loss allowance to noncurrent loans | 21.1541% | 7,066 |
| Noncurrent assets plus other real estate owned to assets | 4.3024% | 1,340 |
| Noncurrent loans to loans | 7.8820% | 565 |
| Net loans and leases to total assets | 53.6752% | 6,499 |
| Net loans and leases to deposits | 61.9841% | 6,732 |
| Net loans and leases to core deposits | 79.1592% | 6,475 |
| Total domestic deposits to total assets | 86.5951% | 2,455 |
| Equity capital to assets | 12.3638% | 2,001 |
| Core capital (leverage) ratio | 12.5309% | 1,613 |
| Tier 1 risk-based capital ratio | 15.1694% | 2,952 |
| Total risk-based capital ratio | 16.4071% | 2,892 |
| Memoranda: | ||
| Average total assets | $170,446,670 | 3,626 |
| Average earning assets | $164,766,000 | 3,476 |
| Average equity | $23,582,330 | 2,801 |
| Average total loans | $105,450,670 | 3,876 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 7,197 |
| Cost of funding earning assets | 0.9332% | 7,769 |
| Net interest margin | 3.9567% | 2,826 |
| Noninterest income to average assets | 0.2472% | 6,478 |
| Noninterest expense to average assets | 6.4208% | 248 |
| Loan and lease loss provision to assets | 2.3772% | 494 |
| Net operating income to assets | -4.7330% | 8,025 |
| Return on assets (ROA) | -4.7330% | 8,015 |
| Pretax return on assets | -4.7306% | 7,965 |
| Return on Equity (ROE) | -32.4175% | 7,923 |
| Retained earnings to average equity (ytd only) | -32.4175% | 7,881 |
| Net charge-offs to loans | -0.5395% | 8,113 |
| Credit loss provision to net charge-offs | -671.1409% | 6,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.8609% | 320 |
| Assets per employee ($millions) | 5.5372% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9001% | 240 |
| Loan loss allowance to noncurrent loans | 36.1151% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 7.0475% | 477 |
| Noncurrent loans to loans | 10.7991% | 238 |
| Net loans and leases to total assets | 62.7150% | 5,206 |
| Net loans and leases to deposits | 74.2206% | 5,453 |
| Net loans and leases to core deposits | 109.8819% | 3,451 |
| Total domestic deposits to total assets | 84.4981% | 3,458 |
| Equity capital to assets | 14.2949% | 1,283 |
| Core capital (leverage) ratio | 13.4495% | 1,341 |
| Tier 1 risk-based capital ratio | 17.6956% | 2,130 |
| Total risk-based capital ratio | 18.9729% | 2,067 |
| Memoranda: | ||
| Average total assets | $168,265,500 | 3,684 |
| Average earning assets | $162,458,500 | 3,534 |
| Average equity | $24,567,000 | 2,700 |
| Average total loans | $110,466,000 | 3,778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5188% | 7,256 |
| Cost of funding earning assets | 1.8265% | 6,938 |
| Net interest margin | 3.6923% | 4,508 |
| Noninterest income to average assets | 0.1860% | 7,118 |
| Noninterest expense to average assets | 4.8190% | 699 |
| Loan and lease loss provision to assets | 5.3503% | 89 |
| Net operating income to assets | -6.4088% | 8,169 |
| Return on assets (ROA) | -6.3702% | 8,161 |
| Pretax return on assets | -6.3696% | 8,126 |
| Return on Equity (ROE) | -45.9671% | 8,130 |
| Retained earnings to average equity (ytd only) | -45.9671% | 8,105 |
| Net charge-offs to loans | 7.1820% | 37 |
| Credit loss provision to net charge-offs | 131.6055% | 4,046 |
| Earnings coverage of net charge-offs (x) | -0.2602% | 6,399 |
| Efficiency ratio | 128.1265% | 481 |
| Assets per employee ($millions) | 5.3255% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7372% | 545 |
| Loan loss allowance to noncurrent loans | 22.3205% | 7,127 |
| Noncurrent assets plus other real estate owned to assets | 8.0972% | 282 |
| Noncurrent loans to loans | 12.2631% | 122 |
| Net loans and leases to total assets | 64.2223% | 5,229 |
| Net loans and leases to deposits | 76.5355% | 5,526 |
| Net loans and leases to core deposits | 95.6102% | 5,288 |
| Total domestic deposits to total assets | 83.9117% | 3,364 |
| Equity capital to assets | 14.8977% | 1,186 |
| Core capital (leverage) ratio | 14.5826% | 1,123 |
| Tier 1 risk-based capital ratio | 18.0971% | 2,015 |
| Total risk-based capital ratio | 19.3610% | 1,963 |
| Memoranda: | ||
| Average total assets | $165,615,600 | 3,622 |
| Average earning assets | $160,361,400 | 3,466 |
| Average equity | $22,951,200 | 2,856 |
| Average total loans | $93,748,600 | 4,112 |