Home > NewDominion Bank > Performance and Condition Ratios
NewDominion Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3322% | 2,655 |
| Cost of funding earning assets | 0.6649% | 1,839 |
| Net interest margin | 3.6672% | 3,054 |
| Noninterest income to average assets | 0.6807% | 1,954 |
| Noninterest expense to average assets | 3.5986% | 870 |
| Loan and lease loss provision to assets | -0.1805% | 5,466 |
| Net operating income to assets | 2.2770% | 218 |
| Return on assets (ROA) | 1.8307% | 548 |
| Pretax return on assets | 0.3776% | 5,074 |
| Return on Equity (ROE) | 15.3182% | 789 |
| Retained earnings to average equity (ytd only) | 15.3182% | 184 |
| Net charge-offs to loans | -0.0072% | 4,204 |
| Credit loss provision to net charge-offs | 3,050.0000% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8333% | 638 |
| Assets per employee ($millions) | 6.8464% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,274 |
| Loan loss allowance to noncurrent loans | 852.7933% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,451 |
| Noncurrent loans to loans | 0.1288% | 4,329 |
| Net loans and leases to total assets | 83.6396% | 505 |
| Net loans and leases to deposits | 96.8513% | 1,053 |
| Net loans and leases to core deposits | 104.7185% | 1,336 |
| Total domestic deposits to total assets | 86.3588% | 2,115 |
| Equity capital to assets | 12.9757% | 1,304 |
| Core capital (leverage) ratio | 11.3272% | 2,228 |
| Tier 1 risk-based capital ratio | 14.1103% | 3,312 |
| Total risk-based capital ratio | 15.2455% | 3,284 |
| Memoranda: | ||
| Average total assets | $337,908,000 | 1,974 |
| Average earning assets | $328,150,670 | 1,915 |
| Average equity | $40,383,330 | 1,847 |
| Average total loans | $279,460,000 | 1,691 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,884 |
| Cost of funding earning assets | 0.6479% | 1,729 |
| Net interest margin | 3.5518% | 3,336 |
| Noninterest income to average assets | 0.4939% | 2,839 |
| Noninterest expense to average assets | 3.4436% | 1,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5010% | 4,689 |
| Return on assets (ROA) | 0.5010% | 4,696 |
| Pretax return on assets | 0.5010% | 4,868 |
| Return on Equity (ROE) | 4.3715% | 4,661 |
| Retained earnings to average equity (ytd only) | 4.3715% | 3,439 |
| Net charge-offs to loans | -0.0086% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3002% | 571 |
| Assets per employee ($millions) | 6.1898% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 2,770 |
| Loan loss allowance to noncurrent loans | 1,445.6897% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,756 |
| Noncurrent loans to loans | 0.0834% | 4,610 |
| Net loans and leases to total assets | 79.2425% | 1,044 |
| Net loans and leases to deposits | 94.6972% | 1,167 |
| Net loans and leases to core deposits | 103.4168% | 1,422 |
| Total domestic deposits to total assets | 83.6799% | 3,443 |
| Equity capital to assets | 11.3932% | 2,224 |
| Core capital (leverage) ratio | 11.0581% | 2,377 |
| Tier 1 risk-based capital ratio | 13.5721% | 3,616 |
| Total risk-based capital ratio | 14.7911% | 3,546 |
| Memoranda: | ||
| Average total assets | $342,547,500 | 1,973 |
| Average earning assets | $332,788,000 | 1,912 |
| Average equity | $39,254,000 | 1,902 |
| Average total loans | $280,231,500 | 1,695 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,431 |
| Cost of funding earning assets | 0.5906% | 1,667 |
| Net interest margin | 3.6784% | 2,884 |
| Noninterest income to average assets | 0.3484% | 3,970 |
| Noninterest expense to average assets | 3.3747% | 1,240 |
| Loan and lease loss provision to assets | -0.1377% | 5,527 |
| Net operating income to assets | 1.4860% | 832 |
| Return on assets (ROA) | 1.4227% | 988 |
| Pretax return on assets | 0.6130% | 4,716 |
| Return on Equity (ROE) | 12.8762% | 979 |
| Retained earnings to average equity (ytd only) | 12.8762% | 137 |
| Net charge-offs to loans | -0.0808% | 5,317 |
| Credit loss provision to net charge-offs | 208.4507% | 1,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2375% | 629 |
| Assets per employee ($millions) | 6.0441% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,861 |
| Loan loss allowance to noncurrent loans | 1,150.5155% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 1,764 |
| Noncurrent loans to loans | 0.1030% | 4,527 |
| Net loans and leases to total assets | 82.4554% | 620 |
| Net loans and leases to deposits | 98.8244% | 836 |
| Net loans and leases to core deposits | 108.1314% | 1,122 |
| Total domestic deposits to total assets | 83.4362% | 3,412 |
| Equity capital to assets | 11.5272% | 2,183 |
| Core capital (leverage) ratio | 11.2578% | 2,120 |
| Tier 1 risk-based capital ratio | 13.0695% | 3,866 |
| Total risk-based capital ratio | 14.2636% | 3,794 |
| Memoranda: | ||
| Average total assets | $322,339,400 | 2,053 |
| Average earning assets | $312,389,000 | 1,975 |
| Average equity | $35,616,200 | 2,046 |
| Average total loans | $263,490,400 | 1,744 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,386 |
| Cost of funding earning assets | 0.5738% | 1,718 |
| Net interest margin | 3.6896% | 2,789 |
| Noninterest income to average assets | 0.3627% | 3,939 |
| Noninterest expense to average assets | 3.4469% | 1,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4926% | 4,748 |
| Return on assets (ROA) | 0.4750% | 4,850 |
| Pretax return on assets | 0.4750% | 5,078 |
| Return on Equity (ROE) | 4.3489% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.3489% | 3,317 |
| Net charge-offs to loans | -0.0927% | 5,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4960% | 539 |
| Assets per employee ($millions) | 5.5498% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 1,914 |
| Loan loss allowance to noncurrent loans | 1,278.5714% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 1,738 |
| Noncurrent loans to loans | 0.1091% | 4,621 |
| Net loans and leases to total assets | 82.5670% | 596 |
| Net loans and leases to deposits | 98.8250% | 840 |
| Net loans and leases to core deposits | 109.2170% | 1,077 |
| Total domestic deposits to total assets | 83.5487% | 3,274 |
| Equity capital to assets | 11.0523% | 2,815 |
| Core capital (leverage) ratio | 11.0221% | 2,437 |
| Tier 1 risk-based capital ratio | 13.0615% | 3,968 |
| Total risk-based capital ratio | 14.3132% | 3,874 |
| Memoranda: | ||
| Average total assets | $318,307,250 | 2,086 |
| Average earning assets | $308,570,750 | 2,008 |
| Average equity | $34,766,250 | 2,102 |
| Average total loans | $258,754,750 | 1,775 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,529 |
| Cost of funding earning assets | 0.5494% | 1,780 |
| Net interest margin | 3.6360% | 2,889 |
| Noninterest income to average assets | 0.3488% | 4,059 |
| Noninterest expense to average assets | 3.4524% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4194% | 4,933 |
| Return on assets (ROA) | 0.4194% | 4,961 |
| Pretax return on assets | 0.4194% | 5,145 |
| Return on Equity (ROE) | 3.8555% | 4,861 |
| Retained earnings to average equity (ytd only) | 3.8555% | 3,399 |
| Net charge-offs to loans | -0.1137% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1676% | 492 |
| Assets per employee ($millions) | 6.1197% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 1,258 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.3391% | 623 |
| Net loans and leases to deposits | 98.5390% | 839 |
| Net loans and leases to core deposits | 106.5876% | 1,185 |
| Total domestic deposits to total assets | 83.5599% | 3,383 |
| Equity capital to assets | 11.0517% | 2,747 |
| Core capital (leverage) ratio | 11.1870% | 2,234 |
| Tier 1 risk-based capital ratio | 12.9894% | 4,003 |
| Total risk-based capital ratio | 14.2412% | 3,922 |
| Memoranda: | ||
| Average total assets | $317,113,330 | 2,092 |
| Average earning assets | $307,264,000 | 2,014 |
| Average equity | $34,496,330 | 2,111 |
| Average total loans | $255,162,000 | 1,793 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 2,780 |
| Cost of funding earning assets | 0.5547% | 1,684 |
| Net interest margin | 3.5121% | 3,230 |
| Noninterest income to average assets | 0.3235% | 4,232 |
| Noninterest expense to average assets | 3.4079% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3159% | 5,152 |
| Return on assets (ROA) | 0.3159% | 5,180 |
| Pretax return on assets | 0.3159% | 5,290 |
| Return on Equity (ROE) | 2.9274% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.9274% | 3,948 |
| Net charge-offs to loans | -0.1745% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5168% | 476 |
| Assets per employee ($millions) | 6.0977% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,773 |
| Loan loss allowance to noncurrent loans | 565.6442% | 961 |
| Noncurrent assets plus other real estate owned to assets | 1.6081% | 967 |
| Noncurrent loans to loans | 0.2613% | 4,176 |
| Net loans and leases to total assets | 77.5275% | 1,196 |
| Net loans and leases to deposits | 92.6296% | 1,257 |
| Net loans and leases to core deposits | 98.7475% | 1,603 |
| Total domestic deposits to total assets | 83.6963% | 3,580 |
| Equity capital to assets | 10.8272% | 2,826 |
| Core capital (leverage) ratio | 10.8738% | 2,512 |
| Tier 1 risk-based capital ratio | 13.5193% | 3,770 |
| Total risk-based capital ratio | 14.7719% | 3,675 |
| Memoranda: | ||
| Average total assets | $316,559,000 | 2,114 |
| Average earning assets | $306,484,500 | 2,041 |
| Average equity | $34,160,000 | 2,137 |
| Average total loans | $249,870,500 | 1,833 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 2,983 |
| Cost of funding earning assets | 0.5866% | 1,444 |
| Net interest margin | 3.4754% | 3,524 |
| Noninterest income to average assets | 0.2275% | 5,053 |
| Noninterest expense to average assets | 3.3558% | 1,451 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2290% | 5,357 |
| Return on assets (ROA) | 0.2290% | 5,424 |
| Pretax return on assets | 0.2290% | 5,460 |
| Return on Equity (ROE) | 2.2201% | 5,352 |
| Retained earnings to average equity (ytd only) | 2.2201% | 4,269 |
| Net charge-offs to loans | 0.0986% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.9474% | 3,741 |
| Efficiency ratio | 93.6107% | 393 |
| Assets per employee ($millions) | 5.8525% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,961 |
| Loan loss allowance to noncurrent loans | 321.5633% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 1.9365% | 723 |
| Noncurrent loans to loans | 0.4448% | 3,552 |
| Net loans and leases to total assets | 78.0443% | 1,191 |
| Net loans and leases to deposits | 95.0203% | 1,090 |
| Net loans and leases to core deposits | 101.5242% | 1,486 |
| Total domestic deposits to total assets | 82.1344% | 4,036 |
| Equity capital to assets | 10.7548% | 2,863 |
| Core capital (leverage) ratio | 10.5995% | 2,773 |
| Tier 1 risk-based capital ratio | 13.3899% | 3,838 |
| Total risk-based capital ratio | 14.6422% | 3,738 |
| Memoranda: | ||
| Average total assets | $317,835,600 | 2,070 |
| Average earning assets | $307,041,800 | 2,000 |
| Average equity | $32,791,000 | 2,190 |
| Average total loans | $250,507,200 | 1,790 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 3,014 |
| Cost of funding earning assets | 0.5890% | 1,418 |
| Net interest margin | 3.4681% | 3,599 |
| Noninterest income to average assets | 0.1596% | 5,475 |
| Noninterest expense to average assets | 3.2616% | 1,647 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2476% | 5,393 |
| Return on assets (ROA) | 0.2476% | 5,463 |
| Pretax return on assets | 0.2476% | 5,523 |
| Return on Equity (ROE) | 2.4252% | 5,372 |
| Retained earnings to average equity (ytd only) | 2.4252% | 4,464 |
| Net charge-offs to loans | 0.1447% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.1728% | 3,609 |
| Efficiency ratio | 92.9450% | 432 |
| Assets per employee ($millions) | 5.9700% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 2,152 |
| Loan loss allowance to noncurrent loans | 2,755.0388% | 250 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 937 |
| Noncurrent loans to loans | 0.0512% | 5,153 |
| Net loans and leases to total assets | 75.6278% | 1,590 |
| Net loans and leases to deposits | 93.9152% | 1,262 |
| Net loans and leases to core deposits | 100.2807% | 1,609 |
| Total domestic deposits to total assets | 80.5277% | 4,381 |
| Equity capital to assets | 10.1587% | 3,972 |
| Core capital (leverage) ratio | 10.1653% | 3,364 |
| Tier 1 risk-based capital ratio | 13.1250% | 4,086 |
| Total risk-based capital ratio | 14.3771% | 3,989 |
| Memoranda: | ||
| Average total assets | $318,285,250 | 2,075 |
| Average earning assets | $307,405,500 | 1,997 |
| Average equity | $32,491,500 | 2,214 |
| Average total loans | $250,577,000 | 1,791 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 2,878 |
| Cost of funding earning assets | 0.5901% | 1,396 |
| Net interest margin | 3.5056% | 3,471 |
| Noninterest income to average assets | 0.1346% | 5,639 |
| Noninterest expense to average assets | 3.3080% | 1,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2108% | 5,505 |
| Return on assets (ROA) | 0.2108% | 5,566 |
| Pretax return on assets | 0.2108% | 5,609 |
| Return on Equity (ROE) | 2.0619% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.0619% | 4,533 |
| Net charge-offs to loans | 0.2375% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.1178% | 3,452 |
| Efficiency ratio | 94.0083% | 417 |
| Assets per employee ($millions) | 6.0132% | 1,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,234 |
| Loan loss allowance to noncurrent loans | 11,383.8710% | 74 |
| Noncurrent assets plus other real estate owned to assets | 1.8804% | 896 |
| Noncurrent loans to loans | 0.0124% | 5,443 |
| Net loans and leases to total assets | 75.8583% | 1,515 |
| Net loans and leases to deposits | 92.2357% | 1,480 |
| Net loans and leases to core deposits | 99.4505% | 1,679 |
| Total domestic deposits to total assets | 82.2440% | 3,923 |
| Equity capital to assets | 10.0169% | 4,207 |
| Core capital (leverage) ratio | 10.1747% | 3,356 |
| Tier 1 risk-based capital ratio | 12.6559% | 4,417 |
| Total risk-based capital ratio | 13.9077% | 4,317 |
| Memoranda: | ||
| Average total assets | $314,930,670 | 2,099 |
| Average earning assets | $304,027,000 | 2,028 |
| Average equity | $32,203,330 | 2,237 |
| Average total loans | $250,143,670 | 1,798 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0299% | 3,110 |
| Cost of funding earning assets | 0.5866% | 1,435 |
| Net interest margin | 3.4434% | 3,699 |
| Noninterest income to average assets | 0.1755% | 5,445 |
| Noninterest expense to average assets | 3.2847% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2155% | 5,498 |
| Return on assets (ROA) | 0.2155% | 5,561 |
| Pretax return on assets | 0.2155% | 5,624 |
| Return on Equity (ROE) | 2.0848% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.0848% | 4,421 |
| Net charge-offs to loans | -0.1710% | 5,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8445% | 460 |
| Assets per employee ($millions) | 5.7860% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 1,726 |
| Loan loss allowance to noncurrent loans | 90.0618% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 3.0511% | 409 |
| Noncurrent loans to loans | 1.7398% | 1,284 |
| Net loans and leases to total assets | 79.0761% | 941 |
| Net loans and leases to deposits | 94.4988% | 1,094 |
| Net loans and leases to core deposits | 101.9825% | 1,339 |
| Total domestic deposits to total assets | 83.6794% | 3,646 |
| Equity capital to assets | 10.2984% | 3,747 |
| Core capital (leverage) ratio | 10.4611% | 3,012 |
| Tier 1 risk-based capital ratio | 12.4076% | 4,647 |
| Total risk-based capital ratio | 13.6615% | 4,544 |
| Memoranda: | ||
| Average total assets | $310,040,000 | 2,131 |
| Average earning assets | $299,359,000 | 2,062 |
| Average equity | $32,042,000 | 2,243 |
| Average total loans | $250,290,500 | 1,797 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0287% | 3,205 |
| Cost of funding earning assets | 0.7357% | 684 |
| Net interest margin | 3.2930% | 4,317 |
| Noninterest income to average assets | -0.5086% | 6,174 |
| Noninterest expense to average assets | 3.9274% | 735 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.2974% | 6,119 |
| Return on assets (ROA) | -1.2974% | 6,120 |
| Pretax return on assets | -1.2970% | 6,118 |
| Return on Equity (ROE) | -19.4466% | 6,135 |
| Retained earnings to average equity (ytd only) | -19.4466% | 6,115 |
| Net charge-offs to loans | 0.0668% | 2,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -24.1000% | 4,443 |
| Efficiency ratio | 149.3095% | 39 |
| Assets per employee ($millions) | 5.9160% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 1,851 |
| Loan loss allowance to noncurrent loans | 87.4514% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 3.3501% | 363 |
| Noncurrent loans to loans | 1.7530% | 1,277 |
| Net loans and leases to total assets | 79.8845% | 859 |
| Net loans and leases to deposits | 94.3357% | 1,172 |
| Net loans and leases to core deposits | 101.6176% | 1,391 |
| Total domestic deposits to total assets | 84.6811% | 3,216 |
| Equity capital to assets | 10.3717% | 3,539 |
| Core capital (leverage) ratio | 10.6268% | 2,801 |
| Tier 1 risk-based capital ratio | 12.4771% | 4,650 |
| Total risk-based capital ratio | 13.7311% | 4,535 |
| Memoranda: | ||
| Average total assets | $297,294,000 | 2,164 |
| Average earning assets | $283,390,400 | 2,114 |
| Average equity | $19,833,800 | 3,190 |
| Average total loans | $239,653,000 | 1,802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 3,296 |
| Cost of funding earning assets | 0.7407% | 681 |
| Net interest margin | 3.2701% | 4,454 |
| Noninterest income to average assets | 0.1579% | 5,700 |
| Noninterest expense to average assets | 3.5107% | 1,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2452% | 6,061 |
| Return on assets (ROA) | -0.2452% | 6,078 |
| Pretax return on assets | -0.2448% | 6,068 |
| Return on Equity (ROE) | -4.2975% | 6,128 |
| Retained earnings to average equity (ytd only) | -4.2975% | 6,005 |
| Net charge-offs to loans | -0.1557% | 5,927 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4941% | 174 |
| Assets per employee ($millions) | 5.5728% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 1,483 |
| Loan loss allowance to noncurrent loans | 66.7763% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 4.4721% | 246 |
| Noncurrent loans to loans | 2.5376% | 803 |
| Net loans and leases to total assets | 82.1837% | 560 |
| Net loans and leases to deposits | 95.5815% | 1,046 |
| Net loans and leases to core deposits | 102.4095% | 1,352 |
| Total domestic deposits to total assets | 85.9829% | 2,526 |
| Equity capital to assets | 5.8295% | 6,208 |
| Core capital (leverage) ratio | 6.0427% | 6,199 |
| Tier 1 risk-based capital ratio | 6.8282% | 6,239 |
| Total risk-based capital ratio | 8.0842% | 6,238 |
| Memoranda: | ||
| Average total assets | $294,709,000 | 2,196 |
| Average earning assets | $280,104,500 | 2,146 |
| Average equity | $16,815,500 | 3,583 |
| Average total loans | $237,171,750 | 1,823 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,321 |
| Cost of funding earning assets | 0.7442% | 669 |
| Net interest margin | 3.2492% | 4,501 |
| Noninterest income to average assets | 0.2009% | 5,475 |
| Noninterest expense to average assets | 3.5799% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2993% | 6,136 |
| Return on assets (ROA) | -0.2993% | 6,149 |
| Pretax return on assets | -0.2993% | 6,139 |
| Return on Equity (ROE) | -5.2857% | 6,198 |
| Retained earnings to average equity (ytd only) | -5.2857% | 6,033 |
| Net charge-offs to loans | -0.1799% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.1250% | 185 |
| Assets per employee ($millions) | 5.2404% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 1,497 |
| Loan loss allowance to noncurrent loans | 109.4443% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 4.0918% | 321 |
| Noncurrent loans to loans | 1.5983% | 1,640 |
| Net loans and leases to total assets | 83.2644% | 442 |
| Net loans and leases to deposits | 95.0795% | 1,041 |
| Net loans and leases to core deposits | 103.5746% | 1,217 |
| Total domestic deposits to total assets | 87.5735% | 1,863 |
| Equity capital to assets | 5.8912% | 6,274 |
| Core capital (leverage) ratio | 5.7681% | 6,276 |
| Tier 1 risk-based capital ratio | 6.8031% | 6,312 |
| Total risk-based capital ratio | 8.0598% | 6,312 |
| Memoranda: | ||
| Average total assets | $292,634,330 | 2,220 |
| Average earning assets | $277,357,670 | 2,182 |
| Average equity | $16,573,000 | 3,628 |
| Average total loans | $232,368,670 | 1,861 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,626 |
| Cost of funding earning assets | 0.7286% | 743 |
| Net interest margin | 3.1690% | 4,719 |
| Noninterest income to average assets | 0.2582% | 5,107 |
| Noninterest expense to average assets | 3.4317% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1788% | 6,137 |
| Return on assets (ROA) | -0.1788% | 6,159 |
| Pretax return on assets | -0.1788% | 6,148 |
| Return on Equity (ROE) | -3.2196% | 6,219 |
| Retained earnings to average equity (ytd only) | -3.2196% | 5,809 |
| Net charge-offs to loans | -0.3219% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4981% | 247 |
| Assets per employee ($millions) | 5.4658% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 1,414 |
| Loan loss allowance to noncurrent loans | 105.8376% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 4.5201% | 298 |
| Noncurrent loans to loans | 1.7372% | 1,570 |
| Net loans and leases to total assets | 75.4299% | 1,288 |
| Net loans and leases to deposits | 85.7094% | 1,869 |
| Net loans and leases to core deposits | 93.3307% | 1,827 |
| Total domestic deposits to total assets | 88.0065% | 1,815 |
| Equity capital to assets | 5.7879% | 6,343 |
| Core capital (leverage) ratio | 6.0001% | 6,328 |
| Tier 1 risk-based capital ratio | 7.1713% | 6,372 |
| Total risk-based capital ratio | 8.4281% | 6,371 |
| Memoranda: | ||
| Average total assets | $297,460,000 | 2,212 |
| Average earning assets | $281,101,500 | 2,168 |
| Average equity | $16,524,000 | 3,663 |
| Average total loans | $228,643,500 | 1,887 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,396 |
| Cost of funding earning assets | 0.7602% | 801 |
| Net interest margin | 3.5932% | 3,435 |
| Noninterest income to average assets | -0.0105% | 6,410 |
| Noninterest expense to average assets | 3.6797% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.3118% | 6,244 |
| Return on assets (ROA) | -0.3136% | 6,239 |
| Pretax return on assets | -0.3136% | 6,225 |
| Return on Equity (ROE) | -5.4614% | 6,299 |
| Retained earnings to average equity (ytd only) | -5.4614% | 6,198 |
| Net charge-offs to loans | 0.9630% | 326 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.4108% | 4,756 |
| Efficiency ratio | 109.2589% | 230 |
| Assets per employee ($millions) | 5.7648% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7294% | 1,703 |
| Loan loss allowance to noncurrent loans | 66.2566% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 5.5236% | 231 |
| Noncurrent loans to loans | 2.6101% | 951 |
| Net loans and leases to total assets | 75.5578% | 1,337 |
| Net loans and leases to deposits | 91.5495% | 1,341 |
| Net loans and leases to core deposits | 98.4474% | 1,517 |
| Total domestic deposits to total assets | 82.5322% | 4,238 |
| Equity capital to assets | 5.3258% | 6,448 |
| Core capital (leverage) ratio | 5.5501% | 6,436 |
| Tier 1 risk-based capital ratio | 6.7797% | 6,468 |
| Total risk-based capital ratio | 8.0360% | 6,469 |
| Memoranda: | ||
| Average total assets | $284,453,600 | 2,240 |
| Average earning assets | $267,446,400 | 2,217 |
| Average equity | $16,332,800 | 3,625 |
| Average total loans | $224,205,800 | 1,870 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 2,500 |
| Cost of funding earning assets | 0.7680% | 806 |
| Net interest margin | 3.5626% | 3,583 |
| Noninterest income to average assets | 0.1478% | 6,030 |
| Noninterest expense to average assets | 3.6142% | 1,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1188% | 6,230 |
| Return on assets (ROA) | -0.1212% | 6,237 |
| Pretax return on assets | -0.1212% | 6,215 |
| Return on Equity (ROE) | -2.0700% | 6,287 |
| Retained earnings to average equity (ytd only) | -2.0700% | 6,079 |
| Net charge-offs to loans | 0.0629% | 3,309 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.3809% | 4,577 |
| Efficiency ratio | 103.3981% | 303 |
| Assets per employee ($millions) | 5.6276% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5807% | 591 |
| Loan loss allowance to noncurrent loans | 100.4490% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 5.5069% | 272 |
| Noncurrent loans to loans | 2.5692% | 1,129 |
| Net loans and leases to total assets | 79.4426% | 781 |
| Net loans and leases to deposits | 95.0456% | 955 |
| Net loans and leases to core deposits | 102.2288% | 1,202 |
| Total domestic deposits to total assets | 83.5836% | 3,924 |
| Equity capital to assets | 5.6908% | 6,500 |
| Core capital (leverage) ratio | 5.8823% | 6,489 |
| Tier 1 risk-based capital ratio | 6.9318% | 6,537 |
| Total risk-based capital ratio | 8.1982% | 6,536 |
| Memoranda: | ||
| Average total assets | $280,624,750 | 2,287 |
| Average earning assets | $263,697,000 | 2,258 |
| Average equity | $16,424,750 | 3,626 |
| Average total loans | $222,636,000 | 1,890 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 2,348 |
| Cost of funding earning assets | 0.7714% | 825 |
| Net interest margin | 3.5868% | 3,422 |
| Noninterest income to average assets | 0.4057% | 4,204 |
| Noninterest expense to average assets | 3.5131% | 1,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2585% | 5,690 |
| Return on assets (ROA) | 0.2549% | 5,774 |
| Pretax return on assets | 0.2549% | 5,861 |
| Return on Equity (ROE) | 4.3147% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.3147% | 3,422 |
| Net charge-offs to loans | 0.1389% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.3684% | 3,566 |
| Efficiency ratio | 93.1455% | 686 |
| Assets per employee ($millions) | 5.6178% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6880% | 544 |
| Loan loss allowance to noncurrent loans | 149.7501% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 4.9735% | 367 |
| Noncurrent loans to loans | 1.7950% | 1,915 |
| Net loans and leases to total assets | 77.2425% | 1,018 |
| Net loans and leases to deposits | 90.3125% | 1,342 |
| Net loans and leases to core deposits | 97.2920% | 1,493 |
| Total domestic deposits to total assets | 85.5280% | 3,275 |
| Equity capital to assets | 5.9408% | 6,535 |
| Core capital (leverage) ratio | 6.1094% | 6,525 |
| Tier 1 risk-based capital ratio | 7.4430% | 6,583 |
| Total risk-based capital ratio | 8.7111% | 6,582 |
| Memoranda: | ||
| Average total assets | $278,497,670 | 2,306 |
| Average earning assets | $261,345,330 | 2,276 |
| Average equity | $16,455,330 | 3,624 |
| Average total loans | $218,833,000 | 1,913 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,629 |
| Cost of funding earning assets | 0.7751% | 860 |
| Net interest margin | 3.4966% | 3,712 |
| Noninterest income to average assets | 0.5323% | 3,177 |
| Noninterest expense to average assets | 3.5153% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2899% | 5,530 |
| Return on assets (ROA) | 0.2827% | 5,599 |
| Pretax return on assets | 0.2827% | 5,760 |
| Return on Equity (ROE) | 4.7982% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.7982% | 3,234 |
| Net charge-offs to loans | -0.4742% | 6,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3806% | 854 |
| Assets per employee ($millions) | 5.8046% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9075% | 477 |
| Loan loss allowance to noncurrent loans | 254.2494% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 5.5541% | 340 |
| Noncurrent loans to loans | 1.1436% | 3,132 |
| Net loans and leases to total assets | 76.7306% | 915 |
| Net loans and leases to deposits | 93.4519% | 838 |
| Net loans and leases to core deposits | 102.2733% | 968 |
| Total domestic deposits to total assets | 82.1070% | 4,910 |
| Equity capital to assets | 5.8825% | 6,576 |
| Core capital (leverage) ratio | 6.2252% | 6,559 |
| Tier 1 risk-based capital ratio | 7.3195% | 6,644 |
| Total risk-based capital ratio | 8.5894% | 6,644 |
| Memoranda: | ||
| Average total assets | $277,302,500 | 2,318 |
| Average earning assets | $259,564,000 | 2,291 |
| Average equity | $16,339,500 | 3,645 |
| Average total loans | $216,770,500 | 1,923 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 3,760 |
| Cost of funding earning assets | 0.9822% | 490 |
| Net interest margin | 3.1129% | 5,276 |
| Noninterest income to average assets | -0.1346% | 6,737 |
| Noninterest expense to average assets | 3.5965% | 1,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.0232% | 6,613 |
| Return on assets (ROA) | -0.8153% | 6,570 |
| Pretax return on assets | -0.6208% | 6,516 |
| Return on Equity (ROE) | -16.6458% | 6,665 |
| Retained earnings to average equity (ytd only) | -16.6458% | 6,643 |
| Net charge-offs to loans | -0.1121% | 6,502 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.9360% | 124 |
| Assets per employee ($millions) | 5.1108% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8802% | 538 |
| Loan loss allowance to noncurrent loans | 112.6283% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 5.5645% | 378 |
| Noncurrent loans to loans | 2.5573% | 1,467 |
| Net loans and leases to total assets | 75.0792% | 1,208 |
| Net loans and leases to deposits | 86.4366% | 1,633 |
| Net loans and leases to core deposits | 96.3283% | 1,425 |
| Total domestic deposits to total assets | 86.8604% | 2,798 |
| Equity capital to assets | 5.9022% | 6,627 |
| Core capital (leverage) ratio | 6.0079% | 6,648 |
| Tier 1 risk-based capital ratio | 7.4479% | 6,711 |
| Total risk-based capital ratio | 8.7176% | 6,710 |
| Memoranda: | ||
| Average total assets | $293,504,800 | 2,189 |
| Average earning assets | $273,670,200 | 2,154 |
| Average equity | $14,376,000 | 3,992 |
| Average total loans | $216,737,200 | 1,888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,854 |
| Cost of funding earning assets | 1.0358% | 416 |
| Net interest margin | 3.0382% | 5,493 |
| Noninterest income to average assets | -0.0201% | 6,775 |
| Noninterest expense to average assets | 3.5458% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.9950% | 6,709 |
| Return on assets (ROA) | -0.7300% | 6,662 |
| Pretax return on assets | -0.4744% | 6,587 |
| Return on Equity (ROE) | -15.6472% | 6,736 |
| Retained earnings to average equity (ytd only) | -15.6472% | 6,712 |
| Net charge-offs to loans | -0.0980% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3477% | 142 |
| Assets per employee ($millions) | 5.2900% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8343% | 655 |
| Loan loss allowance to noncurrent loans | 111.8863% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 6.8904% | 304 |
| Noncurrent loans to loans | 2.5332% | 1,701 |
| Net loans and leases to total assets | 75.5491% | 1,061 |
| Net loans and leases to deposits | 88.4321% | 1,320 |
| Net loans and leases to core deposits | 100.9266% | 1,057 |
| Total domestic deposits to total assets | 85.4318% | 3,531 |
| Equity capital to assets | 6.1197% | 6,686 |
| Core capital (leverage) ratio | 6.1805% | 6,695 |
| Tier 1 risk-based capital ratio | 7.3777% | 6,786 |
| Total risk-based capital ratio | 8.6448% | 6,783 |
| Memoranda: | ||
| Average total assets | $297,885,500 | 2,168 |
| Average earning assets | $277,128,000 | 2,142 |
| Average equity | $13,897,750 | 4,135 |
| Average total loans | $217,584,000 | 1,879 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 4,137 |
| Cost of funding earning assets | 1.0840% | 358 |
| Net interest margin | 2.9091% | 5,784 |
| Noninterest income to average assets | 0.1807% | 6,127 |
| Noninterest expense to average assets | 3.3258% | 2,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.8079% | 6,715 |
| Return on assets (ROA) | -0.4203% | 6,629 |
| Pretax return on assets | -0.0465% | 6,391 |
| Return on Equity (ROE) | -9.9388% | 6,743 |
| Retained earnings to average equity (ytd only) | -9.9388% | 6,665 |
| Net charge-offs to loans | -0.1216% | 6,554 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0102% | 223 |
| Assets per employee ($millions) | 6.0670% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8366% | 682 |
| Loan loss allowance to noncurrent loans | 63.2334% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 8.1387% | 245 |
| Noncurrent loans to loans | 4.4858% | 777 |
| Net loans and leases to total assets | 69.5374% | 1,960 |
| Net loans and leases to deposits | 79.4450% | 2,411 |
| Net loans and leases to core deposits | 91.7655% | 1,731 |
| Total domestic deposits to total assets | 87.5291% | 2,524 |
| Equity capital to assets | 6.0145% | 6,742 |
| Core capital (leverage) ratio | 6.0390% | 6,751 |
| Tier 1 risk-based capital ratio | 7.7751% | 6,809 |
| Total risk-based capital ratio | 9.0424% | 6,809 |
| Memoranda: | ||
| Average total assets | $305,488,000 | 2,122 |
| Average earning assets | $284,693,330 | 2,098 |
| Average equity | $12,919,000 | 4,353 |
| Average total loans | $218,818,330 | 1,867 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 4,601 |
| Cost of funding earning assets | 1.1280% | 319 |
| Net interest margin | 2.7363% | 6,156 |
| Noninterest income to average assets | 0.5853% | 3,215 |
| Noninterest expense to average assets | 3.1849% | 2,398 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0452% | 6,394 |
| Return on assets (ROA) | 0.0620% | 6,310 |
| Pretax return on assets | 0.0620% | 6,317 |
| Return on Equity (ROE) | 1.8393% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.8393% | 5,078 |
| Net charge-offs to loans | 0.2019% | 2,206 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.3125% | 3,894 |
| Efficiency ratio | 101.4403% | 499 |
| Assets per employee ($millions) | 5.9091% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6014% | 1,011 |
| Loan loss allowance to noncurrent loans | 37.4854% | 5,711 |
| Noncurrent assets plus other real estate owned to assets | 9.1999% | 231 |
| Noncurrent loans to loans | 6.9398% | 427 |
| Net loans and leases to total assets | 70.5501% | 1,572 |
| Net loans and leases to deposits | 77.6167% | 2,397 |
| Net loans and leases to core deposits | 92.3412% | 1,474 |
| Total domestic deposits to total assets | 90.8954% | 570 |
| Equity capital to assets | 3.6603% | 6,947 |
| Core capital (leverage) ratio | 3.3785% | 6,957 |
| Tier 1 risk-based capital ratio | 4.3601% | 6,969 |
| Total risk-based capital ratio | 5.6250% | 6,969 |
| Memoranda: | ||
| Average total assets | $309,590,500 | 2,124 |
| Average earning assets | $289,001,500 | 2,089 |
| Average equity | $10,438,500 | 4,896 |
| Average total loans | $221,848,500 | 1,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 5,153 |
| Cost of funding earning assets | 1.3789% | 269 |
| Net interest margin | 2.6691% | 6,563 |
| Noninterest income to average assets | -0.8327% | 7,052 |
| Noninterest expense to average assets | 3.5549% | 1,710 |
| Loan and lease loss provision to assets | 0.1015% | 4,369 |
| Net operating income to assets | -2.0341% | 6,931 |
| Return on assets (ROA) | -1.7343% | 6,915 |
| Pretax return on assets | -1.7503% | 6,901 |
| Return on Equity (ROE) | -46.8586% | 7,013 |
| Retained earnings to average equity (ytd only) | -46.8586% | 7,007 |
| Net charge-offs to loans | 2.1277% | 332 |
| Credit loss provision to net charge-offs | 7.3713% | 5,422 |
| Earnings coverage of net charge-offs (x) | -1.4172% | 5,795 |
| Efficiency ratio | 221.7228% | 30 |
| Assets per employee ($millions) | 6.6363% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 958 |
| Loan loss allowance to noncurrent loans | 37.4929% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 9.6930% | 228 |
| Noncurrent loans to loans | 7.1177% | 444 |
| Net loans and leases to total assets | 69.0026% | 2,034 |
| Net loans and leases to deposits | 74.2797% | 3,049 |
| Net loans and leases to core deposits | 89.4055% | 1,909 |
| Total domestic deposits to total assets | 92.8956% | 144 |
| Equity capital to assets | 3.0875% | 7,036 |
| Core capital (leverage) ratio | 2.7728% | 7,036 |
| Tier 1 risk-based capital ratio | 3.6035% | 7,044 |
| Total risk-based capital ratio | 4.8686% | 7,044 |
| Memoranda: | ||
| Average total assets | $349,712,400 | 1,853 |
| Average earning assets | $319,170,800 | 1,857 |
| Average equity | $12,943,200 | 4,369 |
| Average total loans | $226,350,000 | 1,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 5,094 |
| Cost of funding earning assets | 1.4408% | 258 |
| Net interest margin | 2.6842% | 6,666 |
| Noninterest income to average assets | -0.4804% | 7,128 |
| Noninterest expense to average assets | 3.4917% | 1,782 |
| Loan and lease loss provision to assets | 0.1318% | 3,900 |
| Net operating income to assets | -1.6460% | 6,994 |
| Return on assets (ROA) | -1.2748% | 6,945 |
| Pretax return on assets | -1.2896% | 6,923 |
| Return on Equity (ROE) | -33.2466% | 7,075 |
| Retained earnings to average equity (ytd only) | -33.2466% | 7,067 |
| Net charge-offs to loans | 1.9081% | 396 |
| Credit loss provision to net charge-offs | 10.8963% | 5,064 |
| Earnings coverage of net charge-offs (x) | -1.2673% | 5,603 |
| Efficiency ratio | 178.2452% | 49 |
| Assets per employee ($millions) | 6.3556% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3520% | 528 |
| Loan loss allowance to noncurrent loans | 48.4793% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 10.6281% | 209 |
| Noncurrent loans to loans | 6.9143% | 529 |
| Net loans and leases to total assets | 67.6860% | 2,337 |
| Net loans and leases to deposits | 73.2156% | 3,412 |
| Net loans and leases to core deposits | 89.5974% | 2,039 |
| Total domestic deposits to total assets | 92.4476% | 155 |
| Equity capital to assets | 3.7960% | 7,109 |
| Core capital (leverage) ratio | 3.3463% | 7,115 |
| Tier 1 risk-based capital ratio | 4.5462% | 7,127 |
| Total risk-based capital ratio | 5.8184% | 7,129 |
| Memoranda: | ||
| Average total assets | $359,163,750 | 1,834 |
| Average earning assets | $326,392,000 | 1,839 |
| Average equity | $13,771,500 | 4,248 |
| Average total loans | $227,656,250 | 1,804 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 5,370 |
| Cost of funding earning assets | 1.4943% | 243 |
| Net interest margin | 2.5909% | 6,825 |
| Noninterest income to average assets | -0.4290% | 7,182 |
| Noninterest expense to average assets | 3.3821% | 2,074 |
| Loan and lease loss provision to assets | 0.1040% | 4,225 |
| Net operating income to assets | -1.4312% | 7,008 |
| Return on assets (ROA) | -1.3712% | 7,010 |
| Pretax return on assets | -1.5015% | 7,005 |
| Return on Equity (ROE) | -35.6600% | 7,134 |
| Retained earnings to average equity (ytd only) | -35.6600% | 7,127 |
| Net charge-offs to loans | 2.9325% | 202 |
| Credit loss provision to net charge-offs | 5.7687% | 4,776 |
| Earnings coverage of net charge-offs (x) | -0.8115% | 5,280 |
| Efficiency ratio | 176.2717% | 61 |
| Assets per employee ($millions) | 7.4770% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2406% | 620 |
| Loan loss allowance to noncurrent loans | 38.8739% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 12.6570% | 155 |
| Noncurrent loans to loans | 8.3362% | 398 |
| Net loans and leases to total assets | 61.1244% | 3,605 |
| Net loans and leases to deposits | 65.8179% | 4,528 |
| Net loans and leases to core deposits | 81.0696% | 3,077 |
| Total domestic deposits to total assets | 92.8689% | 134 |
| Equity capital to assets | 3.7744% | 7,149 |
| Core capital (leverage) ratio | 3.3109% | 7,160 |
| Tier 1 risk-based capital ratio | 4.6338% | 7,173 |
| Total risk-based capital ratio | 5.9020% | 7,173 |
| Memoranda: | ||
| Average total assets | $372,958,670 | 1,766 |
| Average earning assets | $337,953,330 | 1,778 |
| Average equity | $14,341,000 | 4,130 |
| Average total loans | $229,357,670 | 1,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 5,822 |
| Cost of funding earning assets | 1.5112% | 273 |
| Net interest margin | 2.4717% | 6,973 |
| Noninterest income to average assets | 0.1167% | 6,672 |
| Noninterest expense to average assets | 3.0584% | 3,058 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.6963% | 6,912 |
| Return on assets (ROA) | -0.6484% | 6,918 |
| Pretax return on assets | -0.6484% | 6,886 |
| Return on Equity (ROE) | -16.7210% | 7,081 |
| Retained earnings to average equity (ytd only) | -16.7210% | 7,004 |
| Net charge-offs to loans | -0.7724% | 7,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.4793% | 164 |
| Assets per employee ($millions) | 8.7366% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6748% | 222 |
| Loan loss allowance to noncurrent loans | 37.8447% | 5,742 |
| Noncurrent assets plus other real estate owned to assets | 12.9996% | 166 |
| Noncurrent loans to loans | 12.3526% | 186 |
| Net loans and leases to total assets | 58.6920% | 3,922 |
| Net loans and leases to deposits | 64.0866% | 4,624 |
| Net loans and leases to core deposits | 79.3181% | 3,134 |
| Total domestic deposits to total assets | 91.5823% | 354 |
| Equity capital to assets | 3.8853% | 7,197 |
| Core capital (leverage) ratio | 3.6194% | 7,204 |
| Tier 1 risk-based capital ratio | 5.3159% | 7,201 |
| Total risk-based capital ratio | 6.6018% | 7,203 |
| Memoranda: | ||
| Average total assets | $383,729,000 | 1,726 |
| Average earning assets | $348,587,500 | 1,736 |
| Average equity | $14,879,500 | 4,015 |
| Average total loans | $233,038,500 | 1,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 6,456 |
| Cost of funding earning assets | 1.5711% | 532 |
| Net interest margin | 2.4284% | 7,089 |
| Noninterest income to average assets | 0.9516% | 1,504 |
| Noninterest expense to average assets | 2.8956% | 3,975 |
| Loan and lease loss provision to assets | 1.0171% | 927 |
| Net operating income to assets | -0.7445% | 6,627 |
| Return on assets (ROA) | -0.2292% | 6,350 |
| Pretax return on assets | -0.2106% | 6,292 |
| Return on Equity (ROE) | -5.7111% | 6,564 |
| Retained earnings to average equity (ytd only) | -5.7111% | 6,489 |
| Net charge-offs to loans | 3.6307% | 194 |
| Credit loss provision to net charge-offs | 45.0372% | 5,533 |
| Earnings coverage of net charge-offs (x) | 0.1290% | 5,738 |
| Efficiency ratio | 90.8592% | 1,127 |
| Assets per employee ($millions) | 8.5171% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4140% | 275 |
| Loan loss allowance to noncurrent loans | 40.5375% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 11.6809% | 229 |
| Noncurrent loans to loans | 10.8888% | 268 |
| Net loans and leases to total assets | 57.2791% | 4,501 |
| Net loans and leases to deposits | 62.3960% | 5,186 |
| Net loans and leases to core deposits | 77.3188% | 3,776 |
| Total domestic deposits to total assets | 91.7993% | 264 |
| Equity capital to assets | 3.8702% | 7,230 |
| Core capital (leverage) ratio | 3.5840% | 7,233 |
| Tier 1 risk-based capital ratio | 5.5066% | 7,222 |
| Total risk-based capital ratio | 6.7902% | 7,222 |
| Memoranda: | ||
| Average total assets | $434,941,600 | 1,498 |
| Average earning assets | $400,353,200 | 1,487 |
| Average equity | $17,457,200 | 3,509 |
| Average total loans | $270,550,200 | 1,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 6,520 |
| Cost of funding earning assets | 1.5823% | 629 |
| Net interest margin | 2.4610% | 7,153 |
| Noninterest income to average assets | 1.5279% | 562 |
| Noninterest expense to average assets | 2.5692% | 5,204 |
| Loan and lease loss provision to assets | 1.3233% | 559 |
| Net operating income to assets | 0.0805% | 6,007 |
| Return on assets (ROA) | 0.4352% | 5,031 |
| Pretax return on assets | 0.2605% | 5,786 |
| Return on Equity (ROE) | 10.7591% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.7591% | 669 |
| Net charge-offs to loans | 4.7012% | 112 |
| Credit loss provision to net charge-offs | 44.8909% | 5,146 |
| Earnings coverage of net charge-offs (x) | 0.4169% | 5,308 |
| Efficiency ratio | 67.6406% | 4,393 |
| Assets per employee ($millions) | 8.9878% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1961% | 344 |
| Loan loss allowance to noncurrent loans | 43.9486% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 10.6339% | 321 |
| Noncurrent loans to loans | 9.5477% | 383 |
| Net loans and leases to total assets | 58.3202% | 4,455 |
| Net loans and leases to deposits | 65.3098% | 5,012 |
| Net loans and leases to core deposits | 81.9851% | 3,331 |
| Total domestic deposits to total assets | 89.2978% | 1,257 |
| Equity capital to assets | 4.5622% | 7,289 |
| Core capital (leverage) ratio | 4.0355% | 7,303 |
| Tier 1 risk-based capital ratio | 6.2021% | 7,290 |
| Total risk-based capital ratio | 7.4840% | 7,291 |
| Memoranda: | ||
| Average total assets | $445,730,750 | 1,481 |
| Average earning assets | $411,201,000 | 1,465 |
| Average equity | $18,030,750 | 3,422 |
| Average total loans | $279,494,250 | 1,535 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0334% | 6,607 |
| Cost of funding earning assets | 1.5883% | 732 |
| Net interest margin | 2.4451% | 7,216 |
| Noninterest income to average assets | 2.2303% | 314 |
| Noninterest expense to average assets | 2.4814% | 5,609 |
| Loan and lease loss provision to assets | 1.1308% | 711 |
| Net operating income to assets | 0.9780% | 2,319 |
| Return on assets (ROA) | 1.3772% | 1,202 |
| Pretax return on assets | 1.2779% | 2,215 |
| Return on Equity (ROE) | 35.3711% | 43 |
| Retained earnings to average equity (ytd only) | 35.3711% | 27 |
| Net charge-offs to loans | 2.9086% | 365 |
| Credit loss provision to net charge-offs | 61.4766% | 4,306 |
| Earnings coverage of net charge-offs (x) | 1.0925% | 4,460 |
| Efficiency ratio | 55.2530% | 6,482 |
| Assets per employee ($millions) | 9.4983% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2305% | 162 |
| Loan loss allowance to noncurrent loans | 50.8893% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 10.7413% | 336 |
| Noncurrent loans to loans | 10.2781% | 368 |
| Net loans and leases to total assets | 59.9147% | 4,287 |
| Net loans and leases to deposits | 66.9027% | 4,868 |
| Net loans and leases to core deposits | 83.4360% | 3,302 |
| Total domestic deposits to total assets | 89.5551% | 1,214 |
| Equity capital to assets | 4.5840% | 7,347 |
| Core capital (leverage) ratio | 4.2087% | 7,361 |
| Tier 1 risk-based capital ratio | 6.3456% | 7,346 |
| Total risk-based capital ratio | 7.6405% | 7,348 |
| Memoranda: | ||
| Average total assets | $459,491,000 | 1,448 |
| Average earning assets | $424,855,670 | 1,438 |
| Average equity | $17,890,330 | 3,433 |
| Average total loans | $290,590,000 | 1,496 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 6,526 |
| Cost of funding earning assets | 1.5971% | 826 |
| Net interest margin | 2.4893% | 7,204 |
| Noninterest income to average assets | 5.3970% | 128 |
| Noninterest expense to average assets | 2.4487% | 5,746 |
| Loan and lease loss provision to assets | 1.2298% | 568 |
| Net operating income to assets | 3.7610% | 82 |
| Return on assets (ROA) | 4.4776% | 61 |
| Pretax return on assets | 4.7939% | 78 |
| Return on Equity (ROE) | 124.9604% | 6 |
| Retained earnings to average equity (ytd only) | 124.9604% | 4 |
| Net charge-offs to loans | 4.2278% | 206 |
| Credit loss provision to net charge-offs | 45.9893% | 3,838 |
| Earnings coverage of net charge-offs (x) | 1.9645% | 3,328 |
| Efficiency ratio | 31.7934% | 7,485 |
| Assets per employee ($millions) | 10.6094% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8969% | 212 |
| Loan loss allowance to noncurrent loans | 60.7798% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 9.7766% | 429 |
| Noncurrent loans to loans | 8.0567% | 615 |
| Net loans and leases to total assets | 61.2153% | 4,032 |
| Net loans and leases to deposits | 68.2509% | 4,641 |
| Net loans and leases to core deposits | 84.2112% | 3,139 |
| Total domestic deposits to total assets | 89.6915% | 1,363 |
| Equity capital to assets | 4.6688% | 7,395 |
| Core capital (leverage) ratio | 4.2941% | 7,409 |
| Tier 1 risk-based capital ratio | 6.5850% | 7,397 |
| Total risk-based capital ratio | 7.8754% | 7,399 |
| Memoranda: | ||
| Average total assets | $475,524,500 | 1,422 |
| Average earning assets | $440,286,000 | 1,402 |
| Average equity | $17,039,000 | 3,557 |
| Average total loans | $300,773,000 | 1,457 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1218% | 7,018 |
| Cost of funding earning assets | 1.8640% | 958 |
| Net interest margin | 2.2577% | 7,387 |
| Noninterest income to average assets | -0.2934% | 7,508 |
| Noninterest expense to average assets | 2.1417% | 6,748 |
| Loan and lease loss provision to assets | 4.0018% | 158 |
| Net operating income to assets | -4.4604% | 7,486 |
| Return on assets (ROA) | -4.4543% | 7,497 |
| Pretax return on assets | -4.3286% | 7,481 |
| Return on Equity (ROE) | -81.7571% | 7,555 |
| Retained earnings to average equity (ytd only) | -81.7571% | 7,553 |
| Net charge-offs to loans | 3.6756% | 374 |
| Credit loss provision to net charge-offs | 158.9261% | 2,208 |
| Earnings coverage of net charge-offs (x) | -0.1322% | 6,248 |
| Efficiency ratio | 118.4006% | 423 |
| Assets per employee ($millions) | 12.3282% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0081% | 190 |
| Loan loss allowance to noncurrent loans | 51.9666% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 9.2188% | 480 |
| Noncurrent loans to loans | 9.6371% | 448 |
| Net loans and leases to total assets | 59.1482% | 4,814 |
| Net loans and leases to deposits | 66.1292% | 5,382 |
| Net loans and leases to core deposits | 81.7865% | 3,933 |
| Total domestic deposits to total assets | 89.4434% | 1,414 |
| Equity capital to assets | 2.6261% | 7,579 |
| Core capital (leverage) ratio | 2.2625% | 7,592 |
| Tier 1 risk-based capital ratio | 3.6872% | 7,576 |
| Total risk-based capital ratio | 6.8233% | 7,507 |
| Memoranda: | ||
| Average total assets | $539,901,600 | 1,243 |
| Average earning assets | $502,722,800 | 1,223 |
| Average equity | $29,415,200 | 2,220 |
| Average total loans | $369,873,000 | 1,226 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1916% | 7,099 |
| Cost of funding earning assets | 1.8793% | 1,092 |
| Net interest margin | 2.3123% | 7,480 |
| Noninterest income to average assets | -0.3131% | 7,634 |
| Noninterest expense to average assets | 2.0382% | 6,982 |
| Loan and lease loss provision to assets | 2.5355% | 409 |
| Net operating income to assets | -2.7531% | 7,401 |
| Return on assets (ROA) | -2.7451% | 7,417 |
| Pretax return on assets | -2.7266% | 7,366 |
| Return on Equity (ROE) | -45.0127% | 7,526 |
| Retained earnings to average equity (ytd only) | -45.0127% | 7,523 |
| Net charge-offs to loans | 2.1950% | 821 |
| Credit loss provision to net charge-offs | 165.1520% | 2,273 |
| Earnings coverage of net charge-offs (x) | -0.1297% | 6,128 |
| Efficiency ratio | 110.8247% | 510 |
| Assets per employee ($millions) | 13.6317% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3331% | 615 |
| Loan loss allowance to noncurrent loans | 31.5015% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 8.2114% | 603 |
| Noncurrent loans to loans | 10.5806% | 377 |
| Net loans and leases to total assets | 60.1091% | 4,892 |
| Net loans and leases to deposits | 68.1375% | 5,398 |
| Net loans and leases to core deposits | 86.0829% | 3,642 |
| Total domestic deposits to total assets | 88.2172% | 1,847 |
| Equity capital to assets | 4.7117% | 7,599 |
| Core capital (leverage) ratio | 4.5695% | 7,590 |
| Tier 1 risk-based capital ratio | 6.6574% | 7,574 |
| Total risk-based capital ratio | 10.0498% | 7,411 |
| Memoranda: | ||
| Average total assets | $548,513,000 | 1,233 |
| Average earning assets | $510,536,000 | 1,215 |
| Average equity | $33,450,500 | 1,992 |
| Average total loans | $383,658,750 | 1,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 6,958 |
| Cost of funding earning assets | 1.9204% | 1,159 |
| Net interest margin | 2.4461% | 7,447 |
| Noninterest income to average assets | -0.1347% | 7,648 |
| Noninterest expense to average assets | 1.9885% | 7,130 |
| Loan and lease loss provision to assets | 2.4159% | 477 |
| Net operating income to assets | -2.2971% | 7,372 |
| Return on assets (ROA) | -2.2971% | 7,383 |
| Pretax return on assets | -2.2664% | 7,312 |
| Return on Equity (ROE) | -34.8679% | 7,489 |
| Retained earnings to average equity (ytd only) | -34.8679% | 7,479 |
| Net charge-offs to loans | 1.8622% | 1,002 |
| Credit loss provision to net charge-offs | 178.4855% | 2,193 |
| Earnings coverage of net charge-offs (x) | 0.1104% | 5,611 |
| Efficiency ratio | 93.0080% | 1,127 |
| Assets per employee ($millions) | 11.8992% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8328% | 971 |
| Loan loss allowance to noncurrent loans | 32.4514% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 7.5189% | 676 |
| Noncurrent loans to loans | 8.7293% | 559 |
| Net loans and leases to total assets | 68.0424% | 3,354 |
| Net loans and leases to deposits | 77.3564% | 4,106 |
| Net loans and leases to core deposits | 92.4865% | 2,918 |
| Total domestic deposits to total assets | 87.9596% | 2,028 |
| Equity capital to assets | 5.9446% | 7,551 |
| Core capital (leverage) ratio | 5.6250% | 7,537 |
| Tier 1 risk-based capital ratio | 7.6220% | 7,550 |
| Total risk-based capital ratio | 10.9082% | 7,193 |
| Memoranda: | ||
| Average total assets | $540,507,000 | 1,257 |
| Average earning assets | $502,196,670 | 1,247 |
| Average equity | $35,608,670 | 1,876 |
| Average total loans | $392,875,330 | 1,170 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5922% | 6,581 |
| Cost of funding earning assets | 1.9254% | 1,344 |
| Net interest margin | 2.6667% | 7,328 |
| Noninterest income to average assets | -0.0007% | 7,685 |
| Noninterest expense to average assets | 1.7053% | 7,574 |
| Loan and lease loss provision to assets | 0.7572% | 1,678 |
| Net operating income to assets | 0.0118% | 6,256 |
| Return on assets (ROA) | 0.0118% | 6,363 |
| Pretax return on assets | 0.0118% | 6,325 |
| Return on Equity (ROE) | 0.1707% | 6,356 |
| Retained earnings to average equity (ytd only) | 0.1707% | 5,753 |
| Net charge-offs to loans | 1.1129% | 1,510 |
| Credit loss provision to net charge-offs | 91.9499% | 3,617 |
| Earnings coverage of net charge-offs (x) | 0.9338% | 4,212 |
| Efficiency ratio | 68.9193% | 4,520 |
| Assets per employee ($millions) | 12.1500% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9433% | 2,331 |
| Loan loss allowance to noncurrent loans | 44.0490% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 4.6388% | 1,440 |
| Noncurrent loans to loans | 4.4117% | 1,707 |
| Net loans and leases to total assets | 70.7024% | 2,760 |
| Net loans and leases to deposits | 81.0211% | 3,460 |
| Net loans and leases to core deposits | 99.5606% | 2,176 |
| Total domestic deposits to total assets | 87.2642% | 2,487 |
| Equity capital to assets | 6.8784% | 7,419 |
| Core capital (leverage) ratio | 6.5336% | 7,452 |
| Tier 1 risk-based capital ratio | 8.3911% | 7,567 |
| Total risk-based capital ratio | 11.7849% | 6,588 |
| Memoranda: | ||
| Average total assets | $543,028,000 | 1,287 |
| Average earning assets | $503,989,500 | 1,264 |
| Average equity | $37,497,500 | 1,794 |
| Average total loans | $401,830,500 | 1,180 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 7,085 |
| Cost of funding earning assets | 2.3544% | 1,442 |
| Net interest margin | 2.3791% | 7,524 |
| Noninterest income to average assets | -0.5016% | 7,945 |
| Noninterest expense to average assets | 2.0452% | 7,288 |
| Loan and lease loss provision to assets | 0.9509% | 2,367 |
| Net operating income to assets | -1.1228% | 6,658 |
| Return on assets (ROA) | -0.9454% | 6,537 |
| Pretax return on assets | -1.0761% | 6,465 |
| Return on Equity (ROE) | -12.7210% | 6,813 |
| Retained earnings to average equity (ytd only) | -12.7210% | 6,739 |
| Net charge-offs to loans | 1.0242% | 2,363 |
| Credit loss provision to net charge-offs | 120.6349% | 4,431 |
| Earnings coverage of net charge-offs (x) | -0.4145% | 6,640 |
| Efficiency ratio | 119.0139% | 624 |
| Assets per employee ($millions) | 11.4746% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,276 |
| Loan loss allowance to noncurrent loans | 68.2607% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 3.4467% | 1,952 |
| Noncurrent loans to loans | 2.7733% | 2,784 |
| Net loans and leases to total assets | 74.4816% | 2,144 |
| Net loans and leases to deposits | 85.5733% | 2,986 |
| Net loans and leases to core deposits | 128.4577% | 1,367 |
| Total domestic deposits to total assets | 87.0383% | 2,483 |
| Equity capital to assets | 6.9325% | 7,399 |
| Core capital (leverage) ratio | 6.2613% | 7,572 |
| Tier 1 risk-based capital ratio | 8.0557% | 7,645 |
| Total risk-based capital ratio | 11.6011% | 6,511 |
| Memoranda: | ||
| Average total assets | $559,446,600 | 1,241 |
| Average earning assets | $522,040,600 | 1,216 |
| Average equity | $41,576,800 | 1,607 |
| Average total loans | $430,598,200 | 1,113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 7,287 |
| Cost of funding earning assets | 2.4182% | 1,568 |
| Net interest margin | 2.2797% | 7,667 |
| Noninterest income to average assets | -0.0893% | 7,925 |
| Noninterest expense to average assets | 1.9746% | 7,429 |
| Loan and lease loss provision to assets | 0.6526% | 2,795 |
| Net operating income to assets | -0.3455% | 6,261 |
| Return on assets (ROA) | -0.2905% | 6,202 |
| Pretax return on assets | -0.4996% | 6,298 |
| Return on Equity (ROE) | -3.8475% | 6,326 |
| Retained earnings to average equity (ytd only) | -3.8475% | 6,086 |
| Net charge-offs to loans | 0.9855% | 1,996 |
| Credit loss provision to net charge-offs | 85.7542% | 5,600 |
| Earnings coverage of net charge-offs (x) | 0.0881% | 5,957 |
| Efficiency ratio | 96.7145% | 1,233 |
| Assets per employee ($millions) | 12.0503% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,262 |
| Loan loss allowance to noncurrent loans | 76.6607% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 3.9676% | 1,621 |
| Noncurrent loans to loans | 2.0000% | 3,643 |
| Net loans and leases to total assets | 72.3687% | 2,940 |
| Net loans and leases to deposits | 84.4017% | 3,588 |
| Net loans and leases to core deposits | 128.1926% | 1,566 |
| Total domestic deposits to total assets | 85.7432% | 2,835 |
| Equity capital to assets | 7.4758% | 7,312 |
| Core capital (leverage) ratio | 7.0682% | 7,387 |
| Tier 1 risk-based capital ratio | 8.6125% | 7,720 |
| Total risk-based capital ratio | 12.0446% | 6,131 |
| Memoranda: | ||
| Average total assets | $564,482,250 | 1,237 |
| Average earning assets | $527,659,750 | 1,216 |
| Average equity | $42,624,250 | 1,587 |
| Average total loans | $435,889,500 | 1,120 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6792% | 7,416 |
| Cost of funding earning assets | 2.4938% | 1,635 |
| Net interest margin | 2.1854% | 7,758 |
| Noninterest income to average assets | 0.0954% | 7,503 |
| Noninterest expense to average assets | 1.9264% | 7,590 |
| Loan and lease loss provision to assets | 0.3235% | 4,005 |
| Net operating income to assets | -0.1007% | 6,013 |
| Return on assets (ROA) | 0.0284% | 5,847 |
| Pretax return on assets | 0.0209% | 5,823 |
| Return on Equity (ROE) | 0.3745% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.3745% | 5,066 |
| Net charge-offs to loans | 1.2494% | 1,477 |
| Credit loss provision to net charge-offs | 32.9957% | 5,995 |
| Earnings coverage of net charge-offs (x) | 0.2196% | 5,450 |
| Efficiency ratio | 89.9470% | 1,820 |
| Assets per employee ($millions) | 11.4624% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 5,239 |
| Loan loss allowance to noncurrent loans | 31.5919% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 4.5540% | 1,224 |
| Noncurrent loans to loans | 3.6558% | 1,901 |
| Net loans and leases to total assets | 76.0210% | 2,176 |
| Net loans and leases to deposits | 88.8475% | 3,025 |
| Net loans and leases to core deposits | 126.2962% | 1,839 |
| Total domestic deposits to total assets | 85.5634% | 2,987 |
| Equity capital to assets | 7.5786% | 7,199 |
| Core capital (leverage) ratio | 7.2929% | 7,251 |
| Tier 1 risk-based capital ratio | 8.7013% | 7,812 |
| Total risk-based capital ratio | 11.9051% | 6,164 |
| Memoranda: | ||
| Average total assets | $563,855,670 | 1,262 |
| Average earning assets | $527,954,330 | 1,230 |
| Average equity | $42,719,000 | 1,596 |
| Average total loans | $442,435,670 | 1,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 7,543 |
| Cost of funding earning assets | 2.4632% | 2,056 |
| Net interest margin | 2.2102% | 7,788 |
| Noninterest income to average assets | 0.0524% | 7,817 |
| Noninterest expense to average assets | 1.6879% | 7,837 |
| Loan and lease loss provision to assets | 0.4248% | 2,802 |
| Net operating income to assets | 0.0531% | 6,116 |
| Return on assets (ROA) | 0.0531% | 6,271 |
| Pretax return on assets | 0.0552% | 6,268 |
| Return on Equity (ROE) | 0.7010% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.7010% | 5,378 |
| Net charge-offs to loans | 0.0188% | 5,303 |
| Credit loss provision to net charge-offs | 2,857.1429% | 236 |
| Earnings coverage of net charge-offs (x) | 32.2857% | 1,005 |
| Efficiency ratio | 77.8576% | 3,189 |
| Assets per employee ($millions) | 11.0759% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6577% | 2,278 |
| Loan loss allowance to noncurrent loans | 37.5051% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 3.5024% | 1,533 |
| Noncurrent loans to loans | 4.4198% | 1,315 |
| Net loans and leases to total assets | 77.9288% | 1,842 |
| Net loans and leases to deposits | 90.9651% | 2,781 |
| Net loans and leases to core deposits | 123.0039% | 2,167 |
| Total domestic deposits to total assets | 85.6690% | 2,885 |
| Equity capital to assets | 7.5987% | 7,262 |
| Core capital (leverage) ratio | 7.2367% | 7,444 |
| Tier 1 risk-based capital ratio | 8.4105% | 7,958 |
| Total risk-based capital ratio | 11.7484% | 6,305 |
| Memoranda: | ||
| Average total assets | $564,955,000 | 1,262 |
| Average earning assets | $540,768,500 | 1,199 |
| Average equity | $42,795,500 | 1,599 |
| Average total loans | $447,670,500 | 1,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 5,374 |
| Cost of funding earning assets | 3.1330% | 1,404 |
| Net interest margin | 2.9052% | 7,145 |
| Noninterest income to average assets | 0.0603% | 7,846 |
| Noninterest expense to average assets | 2.1321% | 7,153 |
| Loan and lease loss provision to assets | 0.5426% | 2,652 |
| Net operating income to assets | 0.1445% | 5,993 |
| Return on assets (ROA) | 0.1445% | 5,818 |
| Pretax return on assets | 0.2078% | 5,712 |
| Return on Equity (ROE) | 1.7665% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.7665% | 4,146 |
| Net charge-offs to loans | 0.1168% | 5,094 |
| Credit loss provision to net charge-offs | 574.3697% | 757 |
| Earnings coverage of net charge-offs (x) | 7.9433% | 2,982 |
| Efficiency ratio | 73.9672% | 3,579 |
| Assets per employee ($millions) | 10.6611% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 2,552 |
| Loan loss allowance to noncurrent loans | 68.1239% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7772% | 2,757 |
| Noncurrent loans to loans | 2.2429% | 2,455 |
| Net loans and leases to total assets | 78.0269% | 2,129 |
| Net loans and leases to deposits | 91.0779% | 3,278 |
| Net loans and leases to core deposits | 111.2313% | 3,647 |
| Total domestic deposits to total assets | 85.6705% | 2,550 |
| Equity capital to assets | 7.5514% | 7,338 |
| Core capital (leverage) ratio | 7.1916% | 7,528 |
| Tier 1 risk-based capital ratio | 8.1552% | 8,057 |
| Total risk-based capital ratio | 11.4396% | 6,395 |
| Memoranda: | ||
| Average total assets | $503,871,200 | 1,342 |
| Average earning assets | $489,464,400 | 1,257 |
| Average equity | $41,210,800 | 1,621 |
| Average total loans | $407,473,600 | 1,184 |