Home > Northside Bank > Performance and Condition Ratios
Northside Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 1,307 |
| Cost of funding earning assets | 0.7638% | 2,832 |
| Net interest margin | 4.3035% | 1,136 |
| Noninterest income to average assets | 0.9653% | 932 |
| Noninterest expense to average assets | 4.7535% | 252 |
| Loan and lease loss provision to assets | 0.0467% | 2,878 |
| Net operating income to assets | 0.0078% | 5,098 |
| Return on assets (ROA) | 0.0078% | 5,106 |
| Pretax return on assets | 0.0078% | 5,105 |
| Return on Equity (ROE) | 0.0911% | 5,104 |
| Retained earnings to average equity (ytd only) | 0.0911% | 4,663 |
| Net charge-offs to loans | -0.0115% | 4,369 |
| Credit loss provision to net charge-offs | -600.0000% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6321% | 195 |
| Assets per employee ($millions) | 3.3688% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 1,987 |
| Loan loss allowance to noncurrent loans | 63.4758% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.9699% | 204 |
| Noncurrent loans to loans | 2.0582% | 681 |
| Net loans and leases to total assets | 64.0530% | 3,333 |
| Net loans and leases to deposits | 70.3610% | 3,810 |
| Net loans and leases to core deposits | 74.8027% | 3,834 |
| Total domestic deposits to total assets | 91.0347% | 100 |
| Equity capital to assets | 8.5101% | 5,038 |
| Core capital (leverage) ratio | 8.4099% | 5,005 |
| Tier 1 risk-based capital ratio | 11.7690% | 4,535 |
| Total risk-based capital ratio | 12.9750% | 4,463 |
| Memoranda: | ||
| Average total assets | $128,452,000 | 3,639 |
| Average earning assets | $114,697,000 | 3,694 |
| Average equity | $10,975,670 | 4,177 |
| Average total loans | $87,077,330 | 3,524 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 887 |
| Cost of funding earning assets | 0.7291% | 2,892 |
| Net interest margin | 4.4831% | 766 |
| Noninterest income to average assets | 0.7402% | 1,464 |
| Noninterest expense to average assets | 4.7501% | 247 |
| Loan and lease loss provision to assets | 0.0945% | 1,842 |
| Net operating income to assets | -0.0756% | 5,173 |
| Return on assets (ROA) | -0.0756% | 5,173 |
| Pretax return on assets | -0.0756% | 5,166 |
| Return on Equity (ROE) | -0.8829% | 5,179 |
| Retained earnings to average equity (ytd only) | -0.8829% | 4,636 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1030% | 223 |
| Assets per employee ($millions) | 3.4196% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,321 |
| Loan loss allowance to noncurrent loans | 74.0320% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 2.8936% | 219 |
| Noncurrent loans to loans | 1.6901% | 916 |
| Net loans and leases to total assets | 67.3580% | 2,850 |
| Net loans and leases to deposits | 77.2109% | 3,142 |
| Net loans and leases to core deposits | 81.5745% | 3,219 |
| Total domestic deposits to total assets | 87.2390% | 1,695 |
| Equity capital to assets | 8.4183% | 5,031 |
| Core capital (leverage) ratio | 8.4361% | 5,042 |
| Tier 1 risk-based capital ratio | 11.6971% | 4,627 |
| Total risk-based capital ratio | 12.9006% | 4,532 |
| Memoranda: | ||
| Average total assets | $126,985,500 | 3,693 |
| Average earning assets | $114,117,500 | 3,745 |
| Average equity | $10,873,000 | 4,215 |
| Average total loans | $87,981,000 | 3,538 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9923% | 1,058 |
| Cost of funding earning assets | 0.5005% | 3,353 |
| Net interest margin | 4.4918% | 773 |
| Noninterest income to average assets | 1.1317% | 721 |
| Noninterest expense to average assets | 5.2909% | 170 |
| Loan and lease loss provision to assets | 0.0848% | 2,437 |
| Net operating income to assets | -0.2854% | 5,288 |
| Return on assets (ROA) | -0.2854% | 5,285 |
| Pretax return on assets | -0.2854% | 5,279 |
| Return on Equity (ROE) | -3.8784% | 5,306 |
| Retained earnings to average equity (ytd only) | -3.8784% | 5,216 |
| Net charge-offs to loans | -0.0617% | 5,033 |
| Credit loss provision to net charge-offs | -200.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3936% | 131 |
| Assets per employee ($millions) | 3.2668% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 2,384 |
| Loan loss allowance to noncurrent loans | 70.4115% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 3.0555% | 201 |
| Noncurrent loans to loans | 1.7532% | 814 |
| Net loans and leases to total assets | 69.4775% | 2,657 |
| Net loans and leases to deposits | 79.9496% | 2,961 |
| Net loans and leases to core deposits | 84.9617% | 3,004 |
| Total domestic deposits to total assets | 86.9017% | 1,825 |
| Equity capital to assets | 8.6541% | 4,843 |
| Core capital (leverage) ratio | 8.3198% | 5,107 |
| Tier 1 risk-based capital ratio | 11.9468% | 4,460 |
| Total risk-based capital ratio | 13.1605% | 4,374 |
| Memoranda: | ||
| Average total assets | $122,644,000 | 3,751 |
| Average earning assets | $108,085,400 | 3,835 |
| Average equity | $9,024,400 | 4,453 |
| Average total loans | $84,298,000 | 3,586 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8719% | 1,232 |
| Cost of funding earning assets | 0.4470% | 3,539 |
| Net interest margin | 4.4250% | 857 |
| Noninterest income to average assets | 1.1930% | 661 |
| Noninterest expense to average assets | 5.3203% | 173 |
| Loan and lease loss provision to assets | 0.0698% | 2,572 |
| Net operating income to assets | -0.3108% | 5,369 |
| Return on assets (ROA) | -0.3108% | 5,368 |
| Pretax return on assets | -0.3108% | 5,360 |
| Return on Equity (ROE) | -4.4212% | 5,386 |
| Retained earnings to average equity (ytd only) | -4.4212% | 5,298 |
| Net charge-offs to loans | -0.0814% | 5,100 |
| Credit loss provision to net charge-offs | -125.4902% | 4,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3186% | 122 |
| Assets per employee ($millions) | 3.3241% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 2,689 |
| Loan loss allowance to noncurrent loans | 58.8435% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 3.3155% | 194 |
| Noncurrent loans to loans | 2.0188% | 722 |
| Net loans and leases to total assets | 68.3532% | 2,884 |
| Net loans and leases to deposits | 80.4564% | 2,990 |
| Net loans and leases to core deposits | 85.9508% | 2,995 |
| Total domestic deposits to total assets | 84.9568% | 2,623 |
| Equity capital to assets | 8.3917% | 4,985 |
| Core capital (leverage) ratio | 8.7709% | 4,907 |
| Tier 1 risk-based capital ratio | 11.9057% | 4,553 |
| Total risk-based capital ratio | 13.0693% | 4,483 |
| Memoranda: | ||
| Average total assets | $122,270,500 | 3,792 |
| Average earning assets | $107,387,750 | 3,893 |
| Average equity | $8,594,750 | 4,557 |
| Average total loans | $83,541,000 | 3,633 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 1,242 |
| Cost of funding earning assets | 0.4235% | 3,548 |
| Net interest margin | 4.3784% | 892 |
| Noninterest income to average assets | 1.3116% | 560 |
| Noninterest expense to average assets | 5.4118% | 174 |
| Loan and lease loss provision to assets | 0.0744% | 2,400 |
| Net operating income to assets | -0.3440% | 5,422 |
| Return on assets (ROA) | -0.3440% | 5,417 |
| Pretax return on assets | -0.3440% | 5,412 |
| Return on Equity (ROE) | -5.2483% | 5,441 |
| Retained earnings to average equity (ytd only) | -5.2483% | 5,303 |
| Net charge-offs to loans | -0.1240% | 5,218 |
| Credit loss provision to net charge-offs | -88.2353% | 4,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9299% | 151 |
| Assets per employee ($millions) | 2.9966% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,814 |
| Loan loss allowance to noncurrent loans | 59.3477% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 3.5215% | 177 |
| Noncurrent loans to loans | 1.9956% | 754 |
| Net loans and leases to total assets | 70.9306% | 2,444 |
| Net loans and leases to deposits | 77.4037% | 3,212 |
| Net loans and leases to core deposits | 79.6562% | 3,448 |
| Total domestic deposits to total assets | 91.6373% | 131 |
| Equity capital to assets | 6.4422% | 5,488 |
| Core capital (leverage) ratio | 6.4333% | 5,505 |
| Tier 1 risk-based capital ratio | 8.8985% | 5,518 |
| Total risk-based capital ratio | 10.0720% | 5,517 |
| Memoranda: | ||
| Average total assets | $120,922,000 | 3,841 |
| Average earning assets | $105,792,330 | 3,951 |
| Average equity | $7,926,330 | 4,707 |
| Average total loans | $82,261,670 | 3,674 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 942 |
| Cost of funding earning assets | 0.4315% | 3,358 |
| Net interest margin | 4.4322% | 715 |
| Noninterest income to average assets | 1.2911% | 557 |
| Noninterest expense to average assets | 5.2565% | 188 |
| Loan and lease loss provision to assets | 0.1449% | 1,286 |
| Net operating income to assets | -0.2536% | 5,462 |
| Return on assets (ROA) | -0.2536% | 5,456 |
| Pretax return on assets | -0.2536% | 5,456 |
| Return on Equity (ROE) | -3.8363% | 5,483 |
| Retained earnings to average equity (ytd only) | -3.8363% | 5,130 |
| Net charge-offs to loans | -0.2439% | 5,411 |
| Credit loss provision to net charge-offs | -89.7959% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5048% | 216 |
| Assets per employee ($millions) | 2.9445% | 5,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,952 |
| Loan loss allowance to noncurrent loans | 59.6244% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 4.1856% | 146 |
| Noncurrent loans to loans | 1.9752% | 820 |
| Net loans and leases to total assets | 70.6195% | 2,379 |
| Net loans and leases to deposits | 77.0511% | 3,107 |
| Net loans and leases to core deposits | 79.4605% | 3,366 |
| Total domestic deposits to total assets | 91.6528% | 159 |
| Equity capital to assets | 6.5157% | 5,541 |
| Core capital (leverage) ratio | 6.4440% | 5,558 |
| Tier 1 risk-based capital ratio | 9.2753% | 5,572 |
| Total risk-based capital ratio | 10.4786% | 5,564 |
| Memoranda: | ||
| Average total assets | $121,450,500 | 3,878 |
| Average earning assets | $105,680,500 | 3,993 |
| Average equity | $8,028,500 | 4,741 |
| Average total loans | $80,372,500 | 3,739 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 3,023 |
| Cost of funding earning assets | 0.4563% | 2,712 |
| Net interest margin | 3.6540% | 2,975 |
| Noninterest income to average assets | 0.1371% | 5,262 |
| Noninterest expense to average assets | 4.5686% | 299 |
| Loan and lease loss provision to assets | -0.1935% | 5,570 |
| Net operating income to assets | -1.1396% | 5,602 |
| Return on assets (ROA) | -1.1396% | 5,601 |
| Pretax return on assets | -1.1396% | 5,608 |
| Return on Equity (ROE) | -19.6155% | 5,641 |
| Retained earnings to average equity (ytd only) | -19.6155% | 5,617 |
| Net charge-offs to loans | 0.0030% | 3,999 |
| Credit loss provision to net charge-offs | -12,350.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | -851.0000% | 4,127 |
| Efficiency ratio | 141.2007% | 32 |
| Assets per employee ($millions) | 3.0559% | 5,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 2,541 |
| Loan loss allowance to noncurrent loans | 46.2657% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 4.4569% | 120 |
| Noncurrent loans to loans | 2.6788% | 467 |
| Net loans and leases to total assets | 60.1716% | 3,811 |
| Net loans and leases to deposits | 66.0322% | 4,188 |
| Net loans and leases to core deposits | 68.5569% | 4,257 |
| Total domestic deposits to total assets | 91.1246% | 212 |
| Equity capital to assets | 6.7492% | 5,598 |
| Core capital (leverage) ratio | 6.3720% | 5,623 |
| Tier 1 risk-based capital ratio | 9.9154% | 5,553 |
| Total risk-based capital ratio | 11.0597% | 5,531 |
| Memoranda: | ||
| Average total assets | $127,676,600 | 3,783 |
| Average earning assets | $108,266,000 | 3,946 |
| Average equity | $7,417,600 | 4,877 |
| Average total loans | $65,835,200 | 4,056 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 3,613 |
| Cost of funding earning assets | 0.4554% | 2,662 |
| Net interest margin | 3.4678% | 3,612 |
| Noninterest income to average assets | 0.2304% | 4,834 |
| Noninterest expense to average assets | 4.6322% | 283 |
| Loan and lease loss provision to assets | -0.0227% | 5,484 |
| Net operating income to assets | -1.4445% | 5,695 |
| Return on assets (ROA) | -1.4445% | 5,695 |
| Pretax return on assets | -1.4445% | 5,694 |
| Return on Equity (ROE) | -25.8541% | 5,718 |
| Retained earnings to average equity (ytd only) | -25.8541% | 5,698 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3598% | 26 |
| Assets per employee ($millions) | 3.0998% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6914% | 1,051 |
| Loan loss allowance to noncurrent loans | 56.2347% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 6.6079% | 57 |
| Noncurrent loans to loans | 3.0077% | 428 |
| Net loans and leases to total assets | 52.5938% | 4,530 |
| Net loans and leases to deposits | 57.5203% | 4,788 |
| Net loans and leases to core deposits | 59.6207% | 4,833 |
| Total domestic deposits to total assets | 91.4353% | 110 |
| Equity capital to assets | 6.6409% | 5,682 |
| Core capital (leverage) ratio | 6.1753% | 5,693 |
| Tier 1 risk-based capital ratio | 10.2107% | 5,544 |
| Total risk-based capital ratio | 11.4635% | 5,497 |
| Memoranda: | ||
| Average total assets | $129,036,500 | 3,800 |
| Average earning assets | $109,193,250 | 3,973 |
| Average equity | $7,209,500 | 4,960 |
| Average total loans | $63,675,250 | 4,141 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8459% | 3,739 |
| Cost of funding earning assets | 0.4578% | 2,526 |
| Net interest margin | 3.3880% | 3,814 |
| Noninterest income to average assets | 0.3902% | 3,747 |
| Noninterest expense to average assets | 4.6297% | 281 |
| Loan and lease loss provision to assets | -0.0339% | 5,586 |
| Net operating income to assets | -1.3525% | 5,740 |
| Return on assets (ROA) | -1.3525% | 5,739 |
| Pretax return on assets | -1.3525% | 5,736 |
| Return on Equity (ROE) | -25.7967% | 5,762 |
| Retained earnings to average equity (ytd only) | -25.7967% | 5,735 |
| Net charge-offs to loans | 0.0289% | 2,634 |
| Credit loss provision to net charge-offs | -244.4444% | 4,505 |
| Earnings coverage of net charge-offs (x) | -99.8889% | 3,507 |
| Efficiency ratio | 142.7485% | 32 |
| Assets per employee ($millions) | 3.5142% | 4,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 926 |
| Loan loss allowance to noncurrent loans | 107.8450% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 6.7125% | 58 |
| Noncurrent loans to loans | 1.6495% | 1,114 |
| Net loans and leases to total assets | 48.4511% | 4,795 |
| Net loans and leases to deposits | 53.1055% | 5,011 |
| Net loans and leases to core deposits | 54.8805% | 5,050 |
| Total domestic deposits to total assets | 91.2356% | 167 |
| Equity capital to assets | 6.8994% | 5,715 |
| Core capital (leverage) ratio | 6.8313% | 5,722 |
| Tier 1 risk-based capital ratio | 10.9210% | 5,296 |
| Total risk-based capital ratio | 12.1736% | 5,200 |
| Memoranda: | ||
| Average total assets | $129,685,000 | 3,805 |
| Average earning assets | $109,208,000 | 3,993 |
| Average equity | $6,799,330 | 5,055 |
| Average total loans | $62,236,330 | 4,197 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8237% | 3,678 |
| Cost of funding earning assets | 0.4710% | 2,342 |
| Net interest margin | 3.3527% | 3,833 |
| Noninterest income to average assets | 0.8462% | 1,412 |
| Noninterest expense to average assets | 4.4844% | 338 |
| Loan and lease loss provision to assets | 0.0401% | 3,002 |
| Net operating income to assets | -0.8864% | 5,778 |
| Return on assets (ROA) | -0.8864% | 5,778 |
| Pretax return on assets | -0.8864% | 5,767 |
| Return on Equity (ROE) | -20.0928% | 5,819 |
| Retained earnings to average equity (ytd only) | -20.0928% | 5,726 |
| Net charge-offs to loans | 0.0653% | 1,678 |
| Credit loss provision to net charge-offs | 130.0000% | 1,314 |
| Earnings coverage of net charge-offs (x) | -27.4000% | 2,929 |
| Efficiency ratio | 123.2598% | 71 |
| Assets per employee ($millions) | 3.1519% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 832 |
| Loan loss allowance to noncurrent loans | 108.3948% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 7.4916% | 55 |
| Noncurrent loans to loans | 1.7278% | 1,109 |
| Net loans and leases to total assets | 50.0818% | 4,664 |
| Net loans and leases to deposits | 53.5843% | 4,961 |
| Net loans and leases to core deposits | 55.1324% | 5,017 |
| Total domestic deposits to total assets | 93.4635% | 26 |
| Equity capital to assets | 4.6207% | 5,834 |
| Core capital (leverage) ratio | 4.1753% | 5,839 |
| Tier 1 risk-based capital ratio | 6.7825% | 5,836 |
| Total risk-based capital ratio | 8.0354% | 5,836 |
| Memoranda: | ||
| Average total assets | $129,514,500 | 3,847 |
| Average earning assets | $107,853,000 | 4,049 |
| Average equity | $5,713,500 | 5,282 |
| Average total loans | $61,284,500 | 4,266 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9278% | 3,467 |
| Cost of funding earning assets | 0.5607% | 1,602 |
| Net interest margin | 3.3671% | 3,930 |
| Noninterest income to average assets | 0.2845% | 4,705 |
| Noninterest expense to average assets | 5.0346% | 254 |
| Loan and lease loss provision to assets | 0.8765% | 126 |
| Net operating income to assets | -2.9092% | 5,892 |
| Return on assets (ROA) | -2.9084% | 5,892 |
| Pretax return on assets | -2.9084% | 5,892 |
| Return on Equity (ROE) | -64.8570% | 5,908 |
| Retained earnings to average equity (ytd only) | -64.8570% | 5,906 |
| Net charge-offs to loans | 1.9506% | 73 |
| Credit loss provision to net charge-offs | 93.4122% | 2,740 |
| Earnings coverage of net charge-offs (x) | -2.1664% | 4,194 |
| Efficiency ratio | 167.7138% | 23 |
| Assets per employee ($millions) | 3.5817% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 716 |
| Loan loss allowance to noncurrent loans | 114.0078% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 8.1394% | 49 |
| Noncurrent loans to loans | 1.7182% | 1,123 |
| Net loans and leases to total assets | 43.0987% | 5,170 |
| Net loans and leases to deposits | 45.8048% | 5,373 |
| Net loans and leases to core deposits | 46.9877% | 5,403 |
| Total domestic deposits to total assets | 94.0920% | 23 |
| Equity capital to assets | 4.2225% | 5,889 |
| Core capital (leverage) ratio | 4.5106% | 5,888 |
| Tier 1 risk-based capital ratio | 7.1309% | 5,886 |
| Total risk-based capital ratio | 8.3839% | 5,887 |
| Memoranda: | ||
| Average total assets | $126,187,800 | 3,893 |
| Average earning assets | $101,838,600 | 4,174 |
| Average equity | $5,658,600 | 5,344 |
| Average total loans | $60,697,800 | 4,276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0015% | 3,229 |
| Cost of funding earning assets | 0.5843% | 1,461 |
| Net interest margin | 3.4172% | 3,788 |
| Noninterest income to average assets | -0.0636% | 5,954 |
| Noninterest expense to average assets | 5.2455% | 229 |
| Loan and lease loss provision to assets | 1.2200% | 75 |
| Net operating income to assets | -3.7873% | 5,968 |
| Return on assets (ROA) | -3.7862% | 5,968 |
| Pretax return on assets | -3.7862% | 5,968 |
| Return on Equity (ROE) | -83.0991% | 5,978 |
| Retained earnings to average equity (ytd only) | -83.0991% | 5,976 |
| Net charge-offs to loans | 2.5959% | 44 |
| Credit loss provision to net charge-offs | 95.4469% | 2,450 |
| Earnings coverage of net charge-offs (x) | -2.0084% | 3,869 |
| Efficiency ratio | 195.8551% | 13 |
| Assets per employee ($millions) | 3.2323% | 5,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0063% | 721 |
| Loan loss allowance to noncurrent loans | 153.7967% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 9.4890% | 48 |
| Noncurrent loans to loans | 1.3045% | 1,705 |
| Net loans and leases to total assets | 47.5193% | 4,990 |
| Net loans and leases to deposits | 51.1637% | 5,247 |
| Net loans and leases to core deposits | 52.6489% | 5,283 |
| Total domestic deposits to total assets | 92.8769% | 39 |
| Equity capital to assets | 5.1618% | 5,946 |
| Core capital (leverage) ratio | 4.7312% | 5,951 |
| Tier 1 risk-based capital ratio | 7.3642% | 5,950 |
| Total risk-based capital ratio | 8.6180% | 5,949 |
| Memoranda: | ||
| Average total assets | $123,708,750 | 3,954 |
| Average earning assets | $99,260,250 | 4,252 |
| Average equity | $5,636,500 | 5,400 |
| Average total loans | $60,914,500 | 4,295 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,208 |
| Cost of funding earning assets | 0.6087% | 1,259 |
| Net interest margin | 3.4005% | 3,888 |
| Noninterest income to average assets | -0.8564% | 6,055 |
| Noninterest expense to average assets | 5.4676% | 214 |
| Loan and lease loss provision to assets | 1.8258% | 45 |
| Net operating income to assets | -5.4466% | 6,054 |
| Return on assets (ROA) | -5.4466% | 6,054 |
| Pretax return on assets | -5.4466% | 6,052 |
| Return on Equity (ROE) | -125.0278% | 6,055 |
| Retained earnings to average equity (ytd only) | -125.0278% | 6,053 |
| Net charge-offs to loans | 2.8909% | 46 |
| Credit loss provision to net charge-offs | 127.6212% | 1,784 |
| Earnings coverage of net charge-offs (x) | -2.5310% | 3,608 |
| Efficiency ratio | 296.0699% | 8 |
| Assets per employee ($millions) | 3.6340% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5643% | 332 |
| Loan loss allowance to noncurrent loans | 171.8391% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 10.2577% | 42 |
| Noncurrent loans to loans | 1.4923% | 1,467 |
| Net loans and leases to total assets | 45.9759% | 5,126 |
| Net loans and leases to deposits | 49.9332% | 5,340 |
| Net loans and leases to core deposits | 50.8973% | 5,403 |
| Total domestic deposits to total assets | 92.0748% | 78 |
| Equity capital to assets | 5.2130% | 6,027 |
| Core capital (leverage) ratio | 4.7749% | 6,030 |
| Tier 1 risk-based capital ratio | 7.6217% | 6,026 |
| Total risk-based capital ratio | 8.8799% | 6,025 |
| Memoranda: | ||
| Average total assets | $124,003,000 | 3,977 |
| Average earning assets | $98,573,670 | 4,295 |
| Average equity | $5,402,000 | 5,497 |
| Average total loans | $61,365,670 | 4,300 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,193 |
| Cost of funding earning assets | 0.6262% | 1,174 |
| Net interest margin | 3.3832% | 3,926 |
| Noninterest income to average assets | -2.6081% | 6,121 |
| Noninterest expense to average assets | 4.9716% | 281 |
| Loan and lease loss provision to assets | 3.3906% | 15 |
| Net operating income to assets | -8.2913% | 6,120 |
| Return on assets (ROA) | -8.2913% | 6,120 |
| Pretax return on assets | -8.2913% | 6,119 |
| Return on Equity (ROE) | -210.9575% | 6,122 |
| Retained earnings to average equity (ytd only) | -210.9575% | 6,118 |
| Net charge-offs to loans | 6.3786% | 9 |
| Credit loss provision to net charge-offs | 104.9850% | 1,564 |
| Earnings coverage of net charge-offs (x) | -1.5174% | 3,014 |
| Efficiency ratio | 7,018.1818% | 1 |
| Assets per employee ($millions) | 3.8673% | 4,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 689 |
| Loan loss allowance to noncurrent loans | 68.3491% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 11.1714% | 42 |
| Noncurrent loans to loans | 3.0640% | 519 |
| Net loans and leases to total assets | 49.1103% | 4,882 |
| Net loans and leases to deposits | 52.7574% | 5,180 |
| Net loans and leases to core deposits | 54.1820% | 5,243 |
| Total domestic deposits to total assets | 93.0871% | 41 |
| Equity capital to assets | 5.1271% | 6,089 |
| Core capital (leverage) ratio | 4.6231% | 6,092 |
| Tier 1 risk-based capital ratio | 7.0879% | 6,090 |
| Total risk-based capital ratio | 8.3419% | 6,090 |
| Memoranda: | ||
| Average total assets | $124,226,500 | 4,004 |
| Average earning assets | $98,367,500 | 4,333 |
| Average equity | $4,882,500 | 5,643 |
| Average total loans | $62,898,000 | 4,288 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3650% | 2,011 |
| Cost of funding earning assets | 0.6537% | 1,055 |
| Net interest margin | 3.7112% | 2,708 |
| Noninterest income to average assets | 0.1717% | 5,554 |
| Noninterest expense to average assets | 5.2413% | 237 |
| Loan and lease loss provision to assets | 0.6685% | 154 |
| Net operating income to assets | -2.8004% | 6,158 |
| Return on assets (ROA) | -2.7981% | 6,159 |
| Pretax return on assets | -2.7981% | 6,159 |
| Return on Equity (ROE) | -74.2746% | 6,176 |
| Retained earnings to average equity (ytd only) | -74.2746% | 6,174 |
| Net charge-offs to loans | 1.2948% | 130 |
| Credit loss provision to net charge-offs | 90.8333% | 2,746 |
| Earnings coverage of net charge-offs (x) | -2.8969% | 4,373 |
| Efficiency ratio | 168.5651% | 23 |
| Assets per employee ($millions) | 3.5628% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9617% | 859 |
| Loan loss allowance to noncurrent loans | 43.9522% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 13.7395% | 34 |
| Noncurrent loans to loans | 4.4633% | 244 |
| Net loans and leases to total assets | 50.0966% | 4,858 |
| Net loans and leases to deposits | 52.5082% | 5,260 |
| Net loans and leases to core deposits | 53.6919% | 5,335 |
| Total domestic deposits to total assets | 95.4073% | 10 |
| Equity capital to assets | 2.7426% | 6,169 |
| Core capital (leverage) ratio | 2.4980% | 6,173 |
| Tier 1 risk-based capital ratio | 3.7059% | 6,172 |
| Total risk-based capital ratio | 4.9582% | 6,173 |
| Memoranda: | ||
| Average total assets | $130,445,200 | 3,881 |
| Average earning assets | $103,253,800 | 4,205 |
| Average equity | $4,914,200 | 5,673 |
| Average total loans | $74,143,200 | 3,991 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 2,028 |
| Cost of funding earning assets | 0.6531% | 1,075 |
| Net interest margin | 3.7130% | 2,710 |
| Noninterest income to average assets | 0.1051% | 5,940 |
| Noninterest expense to average assets | 5.3794% | 224 |
| Loan and lease loss provision to assets | 0.6359% | 135 |
| Net operating income to assets | -2.9672% | 6,243 |
| Return on assets (ROA) | -2.9652% | 6,245 |
| Pretax return on assets | -2.9652% | 6,244 |
| Return on Equity (ROE) | -73.9553% | 6,260 |
| Retained earnings to average equity (ytd only) | -73.9553% | 6,260 |
| Net charge-offs to loans | 1.4228% | 108 |
| Credit loss provision to net charge-offs | 76.8010% | 2,664 |
| Earnings coverage of net charge-offs (x) | -2.8156% | 4,095 |
| Efficiency ratio | 176.4842% | 24 |
| Assets per employee ($millions) | 3.6289% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7258% | 1,414 |
| Loan loss allowance to noncurrent loans | 33.2465% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 15.0398% | 26 |
| Noncurrent loans to loans | 5.1911% | 191 |
| Net loans and leases to total assets | 50.0383% | 4,929 |
| Net loans and leases to deposits | 52.5533% | 5,339 |
| Net loans and leases to core deposits | 53.6827% | 5,422 |
| Total domestic deposits to total assets | 95.2143% | 17 |
| Equity capital to assets | 2.7825% | 6,257 |
| Core capital (leverage) ratio | 2.5185% | 6,261 |
| Tier 1 risk-based capital ratio | 3.7018% | 6,261 |
| Total risk-based capital ratio | 4.9524% | 6,261 |
| Memoranda: | ||
| Average total assets | $131,881,750 | 3,898 |
| Average earning assets | $104,532,500 | 4,228 |
| Average equity | $5,287,750 | 5,654 |
| Average total loans | $76,749,000 | 3,958 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 1,639 |
| Cost of funding earning assets | 0.6471% | 1,123 |
| Net interest margin | 3.8183% | 2,246 |
| Noninterest income to average assets | -0.4520% | 6,334 |
| Noninterest expense to average assets | 5.0584% | 280 |
| Loan and lease loss provision to assets | 0.4974% | 197 |
| Net operating income to assets | -2.9661% | 6,321 |
| Return on assets (ROA) | -2.9631% | 6,323 |
| Pretax return on assets | -2.9631% | 6,321 |
| Return on Equity (ROE) | -67.1386% | 6,335 |
| Retained earnings to average equity (ytd only) | -67.1386% | 6,331 |
| Net charge-offs to loans | 1.0953% | 178 |
| Credit loss provision to net charge-offs | 74.9431% | 2,404 |
| Earnings coverage of net charge-offs (x) | -3.7198% | 3,811 |
| Efficiency ratio | 195.3298% | 17 |
| Assets per employee ($millions) | 3.7059% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 1,974 |
| Loan loss allowance to noncurrent loans | 16.4435% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 16.4216% | 17 |
| Noncurrent loans to loans | 9.5984% | 57 |
| Net loans and leases to total assets | 59.0384% | 3,972 |
| Net loans and leases to deposits | 62.4003% | 4,673 |
| Net loans and leases to core deposits | 63.7573% | 4,823 |
| Total domestic deposits to total assets | 94.6125% | 24 |
| Equity capital to assets | 3.4678% | 6,323 |
| Core capital (leverage) ratio | 3.1752% | 6,330 |
| Tier 1 risk-based capital ratio | 4.3101% | 6,331 |
| Total risk-based capital ratio | 5.5404% | 6,333 |
| Memoranda: | ||
| Average total assets | $132,295,670 | 3,921 |
| Average earning assets | $105,388,000 | 4,234 |
| Average equity | $5,838,670 | 5,591 |
| Average total loans | $80,159,330 | 3,871 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5971% | 1,225 |
| Cost of funding earning assets | 0.6508% | 1,110 |
| Net interest margin | 3.9463% | 1,725 |
| Noninterest income to average assets | 1.0765% | 974 |
| Noninterest expense to average assets | 4.6142% | 395 |
| Loan and lease loss provision to assets | 0.4007% | 293 |
| Net operating income to assets | -0.8014% | 6,299 |
| Return on assets (ROA) | -0.7954% | 6,301 |
| Pretax return on assets | -0.7954% | 6,291 |
| Return on Equity (ROE) | -15.6138% | 6,347 |
| Retained earnings to average equity (ytd only) | -15.6138% | 6,225 |
| Net charge-offs to loans | 0.8508% | 280 |
| Credit loss provision to net charge-offs | 77.4566% | 1,853 |
| Earnings coverage of net charge-offs (x) | -0.7746% | 3,159 |
| Efficiency ratio | 109.5103% | 197 |
| Assets per employee ($millions) | 3.4302% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 2,702 |
| Loan loss allowance to noncurrent loans | 22.0979% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 15.2829% | 27 |
| Noncurrent loans to loans | 6.5434% | 152 |
| Net loans and leases to total assets | 59.3562% | 3,748 |
| Net loans and leases to deposits | 63.7673% | 4,395 |
| Net loans and leases to core deposits | 65.1304% | 4,601 |
| Total domestic deposits to total assets | 93.0825% | 55 |
| Equity capital to assets | 5.0038% | 6,373 |
| Core capital (leverage) ratio | 4.7106% | 6,376 |
| Tier 1 risk-based capital ratio | 6.2628% | 6,386 |
| Total risk-based capital ratio | 7.4028% | 6,387 |
| Memoranda: | ||
| Average total assets | $133,761,000 | 3,927 |
| Average earning assets | $106,327,500 | 4,247 |
| Average equity | $6,814,500 | 5,437 |
| Average total loans | $81,336,500 | 3,851 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,023 |
| Cost of funding earning assets | 0.6837% | 1,192 |
| Net interest margin | 4.1594% | 1,407 |
| Noninterest income to average assets | 1.6161% | 481 |
| Noninterest expense to average assets | 5.0147% | 302 |
| Loan and lease loss provision to assets | 0.5213% | 286 |
| Net operating income to assets | -0.5515% | 6,309 |
| Return on assets (ROA) | -0.5743% | 6,315 |
| Pretax return on assets | -0.5743% | 6,305 |
| Return on Equity (ROE) | -11.0244% | 6,375 |
| Retained earnings to average equity (ytd only) | -11.0244% | 6,333 |
| Net charge-offs to loans | 1.0487% | 275 |
| Credit loss provision to net charge-offs | 76.5405% | 2,937 |
| Earnings coverage of net charge-offs (x) | -0.0443% | 4,720 |
| Efficiency ratio | 100.6056% | 348 |
| Assets per employee ($millions) | 3.3436% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 2,621 |
| Loan loss allowance to noncurrent loans | 17.2271% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 15.4712% | 32 |
| Noncurrent loans to loans | 8.5125% | 97 |
| Net loans and leases to total assets | 60.4875% | 3,723 |
| Net loans and leases to deposits | 65.0570% | 4,423 |
| Net loans and leases to core deposits | 66.3112% | 4,648 |
| Total domestic deposits to total assets | 92.9762% | 70 |
| Equity capital to assets | 5.1852% | 6,454 |
| Core capital (leverage) ratio | 5.0712% | 6,451 |
| Tier 1 risk-based capital ratio | 6.9500% | 6,465 |
| Total risk-based capital ratio | 8.1605% | 6,467 |
| Memoranda: | ||
| Average total assets | $135,819,600 | 3,876 |
| Average earning assets | $109,992,400 | 4,185 |
| Average equity | $7,075,200 | 5,398 |
| Average total loans | $88,201,400 | 3,670 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6462% | 1,445 |
| Cost of funding earning assets | 0.6960% | 1,167 |
| Net interest margin | 3.9501% | 2,038 |
| Noninterest income to average assets | 1.5451% | 528 |
| Noninterest expense to average assets | 4.6041% | 417 |
| Loan and lease loss provision to assets | 0.5809% | 236 |
| Net operating income to assets | -0.4264% | 6,350 |
| Return on assets (ROA) | -0.4459% | 6,351 |
| Pretax return on assets | -0.4459% | 6,341 |
| Return on Equity (ROE) | -8.5508% | 6,426 |
| Retained earnings to average equity (ytd only) | -8.5508% | 6,354 |
| Net charge-offs to loans | 1.0491% | 285 |
| Credit loss provision to net charge-offs | 84.1360% | 2,522 |
| Earnings coverage of net charge-offs (x) | 0.2238% | 4,420 |
| Efficiency ratio | 96.7530% | 477 |
| Assets per employee ($millions) | 3.6178% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 3,065 |
| Loan loss allowance to noncurrent loans | 17.6201% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 15.5126% | 33 |
| Noncurrent loans to loans | 8.0754% | 120 |
| Net loans and leases to total assets | 65.9662% | 2,876 |
| Net loans and leases to deposits | 73.4112% | 3,507 |
| Net loans and leases to core deposits | 74.8329% | 3,865 |
| Total domestic deposits to total assets | 89.8585% | 802 |
| Equity capital to assets | 5.1617% | 6,519 |
| Core capital (leverage) ratio | 5.3363% | 6,514 |
| Tier 1 risk-based capital ratio | 6.7797% | 6,539 |
| Total risk-based capital ratio | 8.0046% | 6,540 |
| Memoranda: | ||
| Average total assets | $136,338,250 | 3,893 |
| Average earning assets | $110,913,250 | 4,192 |
| Average equity | $7,110,250 | 5,440 |
| Average total loans | $89,726,000 | 3,663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 1,214 |
| Cost of funding earning assets | 0.7097% | 1,142 |
| Net interest margin | 4.0246% | 1,748 |
| Noninterest income to average assets | 1.3445% | 662 |
| Noninterest expense to average assets | 4.4499% | 471 |
| Loan and lease loss provision to assets | 0.3619% | 481 |
| Net operating income to assets | -0.1721% | 6,298 |
| Return on assets (ROA) | -0.1721% | 6,312 |
| Pretax return on assets | -0.1721% | 6,296 |
| Return on Equity (ROE) | -3.2888% | 6,385 |
| Retained earnings to average equity (ytd only) | -3.2888% | 6,114 |
| Net charge-offs to loans | 0.9396% | 383 |
| Credit loss provision to net charge-offs | 58.8517% | 2,661 |
| Earnings coverage of net charge-offs (x) | 0.3086% | 4,072 |
| Efficiency ratio | 95.9100% | 558 |
| Assets per employee ($millions) | 3.5397% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,695 |
| Loan loss allowance to noncurrent loans | 21.3358% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 12.2371% | 61 |
| Noncurrent loans to loans | 6.2323% | 242 |
| Net loans and leases to total assets | 67.1373% | 2,558 |
| Net loans and leases to deposits | 74.9901% | 3,194 |
| Net loans and leases to core deposits | 76.4386% | 3,582 |
| Total domestic deposits to total assets | 89.5282% | 1,072 |
| Equity capital to assets | 5.3634% | 6,571 |
| Core capital (leverage) ratio | 5.5920% | 6,561 |
| Tier 1 risk-based capital ratio | 7.2427% | 6,589 |
| Total risk-based capital ratio | 8.4324% | 6,590 |
| Memoranda: | ||
| Average total assets | $135,959,330 | 3,923 |
| Average earning assets | $111,314,670 | 4,209 |
| Average equity | $7,115,000 | 5,463 |
| Average total loans | $88,969,330 | 3,692 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 952 |
| Cost of funding earning assets | 0.7160% | 1,149 |
| Net interest margin | 4.1315% | 1,386 |
| Noninterest income to average assets | 0.8568% | 1,532 |
| Noninterest expense to average assets | 4.4176% | 495 |
| Loan and lease loss provision to assets | 0.3558% | 494 |
| Net operating income to assets | -0.5633% | 6,497 |
| Return on assets (ROA) | -0.5633% | 6,494 |
| Pretax return on assets | -0.5633% | 6,478 |
| Return on Equity (ROE) | -10.9031% | 6,574 |
| Retained earnings to average equity (ytd only) | -10.9031% | 6,390 |
| Net charge-offs to loans | 0.7585% | 460 |
| Credit loss provision to net charge-offs | 73.1707% | 1,966 |
| Earnings coverage of net charge-offs (x) | -0.4268% | 3,468 |
| Efficiency ratio | 104.9296% | 349 |
| Assets per employee ($millions) | 3.4456% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 2,958 |
| Loan loss allowance to noncurrent loans | 17.9227% | 6,106 |
| Noncurrent assets plus other real estate owned to assets | 13.7602% | 52 |
| Noncurrent loans to loans | 8.6090% | 142 |
| Net loans and leases to total assets | 65.3870% | 2,653 |
| Net loans and leases to deposits | 71.9573% | 3,340 |
| Net loans and leases to core deposits | 73.3619% | 3,722 |
| Total domestic deposits to total assets | 90.8692% | 617 |
| Equity capital to assets | 5.2344% | 6,618 |
| Core capital (leverage) ratio | 5.5966% | 6,621 |
| Tier 1 risk-based capital ratio | 7.2759% | 6,645 |
| Total risk-based capital ratio | 8.5262% | 6,646 |
| Memoranda: | ||
| Average total assets | $134,915,500 | 3,979 |
| Average earning assets | $109,500,000 | 4,287 |
| Average equity | $6,970,500 | 5,529 |
| Average total loans | $86,489,000 | 3,787 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,503 |
| Cost of funding earning assets | 0.8114% | 1,152 |
| Net interest margin | 3.9145% | 2,238 |
| Noninterest income to average assets | 1.7011% | 504 |
| Noninterest expense to average assets | 4.5043% | 527 |
| Loan and lease loss provision to assets | 0.3862% | 783 |
| Net operating income to assets | 0.0385% | 6,152 |
| Return on assets (ROA) | 0.0385% | 6,195 |
| Pretax return on assets | 0.0385% | 6,170 |
| Return on Equity (ROE) | 0.7542% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.7542% | 5,499 |
| Net charge-offs to loans | 0.4004% | 1,684 |
| Credit loss provision to net charge-offs | 150.1466% | 1,544 |
| Earnings coverage of net charge-offs (x) | 1.6510% | 4,503 |
| Efficiency ratio | 91.3835% | 919 |
| Assets per employee ($millions) | 3.7625% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 2,412 |
| Loan loss allowance to noncurrent loans | 29.2267% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 11.6669% | 87 |
| Noncurrent loans to loans | 5.8065% | 367 |
| Net loans and leases to total assets | 60.7696% | 3,577 |
| Net loans and leases to deposits | 66.6923% | 4,222 |
| Net loans and leases to core deposits | 68.3583% | 4,469 |
| Total domestic deposits to total assets | 91.1193% | 528 |
| Equity capital to assets | 5.0993% | 6,684 |
| Core capital (leverage) ratio | 5.5830% | 6,683 |
| Tier 1 risk-based capital ratio | 7.4271% | 6,712 |
| Total risk-based capital ratio | 8.6763% | 6,713 |
| Memoranda: | ||
| Average total assets | $132,562,400 | 4,022 |
| Average earning assets | $109,312,400 | 4,279 |
| Average equity | $6,762,000 | 5,629 |
| Average total loans | $85,174,200 | 3,791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6968% | 1,605 |
| Cost of funding earning assets | 0.8300% | 1,153 |
| Net interest margin | 3.8668% | 2,393 |
| Noninterest income to average assets | 1.8820% | 456 |
| Noninterest expense to average assets | 4.4811% | 530 |
| Loan and lease loss provision to assets | 0.2053% | 1,766 |
| Net operating income to assets | 0.3954% | 5,260 |
| Return on assets (ROA) | 0.3954% | 5,400 |
| Pretax return on assets | 0.3995% | 5,624 |
| Return on Equity (ROE) | 7.7511% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.7511% | 1,524 |
| Net charge-offs to loans | 0.1652% | 2,905 |
| Credit loss provision to net charge-offs | 191.5094% | 1,259 |
| Earnings coverage of net charge-offs (x) | 5.6415% | 3,141 |
| Efficiency ratio | 88.1090% | 1,161 |
| Assets per employee ($millions) | 3.4742% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 3,399 |
| Loan loss allowance to noncurrent loans | 23.6773% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 11.4922% | 99 |
| Noncurrent loans to loans | 6.3934% | 363 |
| Net loans and leases to total assets | 64.6791% | 2,886 |
| Net loans and leases to deposits | 70.9446% | 3,649 |
| Net loans and leases to core deposits | 72.7105% | 4,003 |
| Total domestic deposits to total assets | 91.1685% | 470 |
| Equity capital to assets | 5.0239% | 6,771 |
| Core capital (leverage) ratio | 5.3549% | 6,767 |
| Tier 1 risk-based capital ratio | 7.2098% | 6,794 |
| Total risk-based capital ratio | 8.4602% | 6,797 |
| Memoranda: | ||
| Average total assets | $131,840,250 | 4,073 |
| Average earning assets | $109,234,500 | 4,325 |
| Average equity | $6,725,750 | 5,707 |
| Average total loans | $85,534,250 | 3,824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 1,659 |
| Cost of funding earning assets | 0.8586% | 1,089 |
| Net interest margin | 3.8092% | 2,521 |
| Noninterest income to average assets | 2.0364% | 433 |
| Noninterest expense to average assets | 4.5383% | 506 |
| Loan and lease loss provision to assets | 0.0429% | 4,100 |
| Net operating income to assets | 0.5941% | 4,317 |
| Return on assets (ROA) | 0.5941% | 4,501 |
| Pretax return on assets | 0.6002% | 5,012 |
| Return on Equity (ROE) | 11.5844% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.5844% | 551 |
| Net charge-offs to loans | 0.3982% | 1,621 |
| Credit loss provision to net charge-offs | 16.6667% | 3,799 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,690 |
| Efficiency ratio | 87.5887% | 1,267 |
| Assets per employee ($millions) | 3.6328% | 4,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,314 |
| Loan loss allowance to noncurrent loans | 19.6425% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 12.9164% | 88 |
| Noncurrent loans to loans | 6.8220% | 367 |
| Net loans and leases to total assets | 62.4909% | 3,200 |
| Net loans and leases to deposits | 68.8402% | 3,885 |
| Net loans and leases to core deposits | 70.7735% | 4,188 |
| Total domestic deposits to total assets | 90.7768% | 631 |
| Equity capital to assets | 5.1675% | 6,814 |
| Core capital (leverage) ratio | 5.3861% | 6,805 |
| Tier 1 risk-based capital ratio | 7.3010% | 6,828 |
| Total risk-based capital ratio | 8.4335% | 6,836 |
| Memoranda: | ||
| Average total assets | $130,623,000 | 4,126 |
| Average earning assets | $107,845,000 | 4,389 |
| Average equity | $6,698,670 | 5,759 |
| Average total loans | $84,385,000 | 3,868 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,864 |
| Cost of funding earning assets | 0.8641% | 1,182 |
| Net interest margin | 3.7236% | 2,761 |
| Noninterest income to average assets | 3.1713% | 238 |
| Noninterest expense to average assets | 4.8627% | 403 |
| Loan and lease loss provision to assets | 0.1838% | 2,006 |
| Net operating income to assets | 1.1889% | 1,558 |
| Return on assets (ROA) | 1.1889% | 1,669 |
| Pretax return on assets | 1.2011% | 2,569 |
| Return on Equity (ROE) | 23.2719% | 159 |
| Retained earnings to average equity (ytd only) | 23.2719% | 80 |
| Net charge-offs to loans | 0.7093% | 862 |
| Credit loss provision to net charge-offs | 39.7351% | 2,751 |
| Earnings coverage of net charge-offs (x) | 2.9934% | 2,877 |
| Efficiency ratio | 77.8323% | 2,633 |
| Assets per employee ($millions) | 3.6990% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,584 |
| Loan loss allowance to noncurrent loans | 22.4743% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 13.1568% | 109 |
| Noncurrent loans to loans | 5.8879% | 572 |
| Net loans and leases to total assets | 64.9032% | 2,552 |
| Net loans and leases to deposits | 72.6662% | 3,096 |
| Net loans and leases to core deposits | 74.6979% | 3,495 |
| Total domestic deposits to total assets | 89.3169% | 1,477 |
| Equity capital to assets | 5.1433% | 6,882 |
| Core capital (leverage) ratio | 5.3677% | 6,857 |
| Tier 1 risk-based capital ratio | 7.0114% | 6,898 |
| Total risk-based capital ratio | 8.1954% | 6,903 |
| Memoranda: | ||
| Average total assets | $130,545,000 | 4,171 |
| Average earning assets | $107,853,500 | 4,427 |
| Average equity | $6,669,000 | 5,823 |
| Average total loans | $85,160,000 | 3,863 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 2,809 |
| Cost of funding earning assets | 1.0685% | 1,032 |
| Net interest margin | 3.5785% | 4,191 |
| Noninterest income to average assets | 1.5500% | 655 |
| Noninterest expense to average assets | 4.0133% | 962 |
| Loan and lease loss provision to assets | 0.1750% | 3,430 |
| Net operating income to assets | 0.3241% | 5,383 |
| Return on assets (ROA) | 0.4695% | 5,058 |
| Pretax return on assets | 0.4758% | 5,351 |
| Return on Equity (ROE) | 12.3831% | 1,393 |
| Retained earnings to average equity (ytd only) | 12.3831% | 295 |
| Net charge-offs to loans | 0.0414% | 5,340 |
| Credit loss provision to net charge-offs | 678.7879% | 364 |
| Earnings coverage of net charge-offs (x) | 19.5455% | 1,379 |
| Efficiency ratio | 88.8447% | 1,161 |
| Assets per employee ($millions) | 3.6551% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,701 |
| Loan loss allowance to noncurrent loans | 19.1483% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 14.7303% | 87 |
| Noncurrent loans to loans | 7.8903% | 372 |
| Net loans and leases to total assets | 63.6957% | 2,950 |
| Net loans and leases to deposits | 70.1632% | 3,688 |
| Net loans and leases to core deposits | 71.8497% | 4,060 |
| Total domestic deposits to total assets | 90.7822% | 576 |
| Equity capital to assets | 5.0724% | 6,947 |
| Core capital (leverage) ratio | 4.9059% | 6,941 |
| Tier 1 risk-based capital ratio | 6.7630% | 6,965 |
| Total risk-based capital ratio | 8.0134% | 6,968 |
| Memoranda: | ||
| Average total assets | $127,999,400 | 4,190 |
| Average earning assets | $106,134,600 | 4,446 |
| Average equity | $4,853,400 | 6,335 |
| Average total loans | $79,623,000 | 4,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 3,155 |
| Cost of funding earning assets | 1.1137% | 1,009 |
| Net interest margin | 3.4991% | 4,651 |
| Noninterest income to average assets | 1.5362% | 627 |
| Noninterest expense to average assets | 3.9004% | 1,061 |
| Loan and lease loss provision to assets | 0.0250% | 5,474 |
| Net operating income to assets | 0.5040% | 4,829 |
| Return on assets (ROA) | 0.6364% | 4,458 |
| Pretax return on assets | 0.6530% | 4,999 |
| Return on Equity (ROE) | 18.3294% | 466 |
| Retained earnings to average equity (ytd only) | 18.3294% | 114 |
| Net charge-offs to loans | 0.0626% | 4,799 |
| Credit loss provision to net charge-offs | 64.8649% | 4,028 |
| Earnings coverage of net charge-offs (x) | 14.0547% | 1,864 |
| Efficiency ratio | 87.8077% | 1,212 |
| Assets per employee ($millions) | 3.8569% | 4,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 4,976 |
| Loan loss allowance to noncurrent loans | 13.9672% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 14.6780% | 94 |
| Noncurrent loans to loans | 9.0532% | 302 |
| Net loans and leases to total assets | 62.2839% | 3,337 |
| Net loans and leases to deposits | 67.6210% | 4,243 |
| Net loans and leases to core deposits | 69.4736% | 4,564 |
| Total domestic deposits to total assets | 92.1074% | 195 |
| Equity capital to assets | 3.7069% | 7,112 |
| Core capital (leverage) ratio | 3.6703% | 7,106 |
| Tier 1 risk-based capital ratio | 4.9107% | 7,116 |
| Total risk-based capital ratio | 6.0099% | 7,123 |
| Memoranda: | ||
| Average total assets | $128,017,500 | 4,231 |
| Average earning assets | $106,311,000 | 4,482 |
| Average equity | $4,444,500 | 6,528 |
| Average total loans | $78,845,250 | 4,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 3,567 |
| Cost of funding earning assets | 1.1760% | 908 |
| Net interest margin | 3.3725% | 5,199 |
| Noninterest income to average assets | 1.3577% | 780 |
| Noninterest expense to average assets | 3.8132% | 1,196 |
| Loan and lease loss provision to assets | -0.0945% | 7,104 |
| Net operating income to assets | 0.4225% | 5,135 |
| Return on assets (ROA) | 0.6206% | 4,528 |
| Pretax return on assets | 0.6458% | 4,980 |
| Return on Equity (ROE) | 18.3014% | 472 |
| Retained earnings to average equity (ytd only) | 18.3014% | 136 |
| Net charge-offs to loans | 0.1109% | 4,070 |
| Credit loss provision to net charge-offs | -139.5349% | 6,091 |
| Earnings coverage of net charge-offs (x) | 5.0930% | 2,909 |
| Efficiency ratio | 91.7045% | 944 |
| Assets per employee ($millions) | 3.7361% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 5,244 |
| Loan loss allowance to noncurrent loans | 20.9282% | 6,490 |
| Noncurrent assets plus other real estate owned to assets | 12.1838% | 170 |
| Noncurrent loans to loans | 5.8490% | 773 |
| Net loans and leases to total assets | 60.7287% | 3,677 |
| Net loans and leases to deposits | 65.8082% | 4,531 |
| Net loans and leases to core deposits | 68.0219% | 4,784 |
| Total domestic deposits to total assets | 92.2813% | 189 |
| Equity capital to assets | 3.5291% | 7,159 |
| Core capital (leverage) ratio | 3.4965% | 7,153 |
| Tier 1 risk-based capital ratio | 4.8525% | 7,169 |
| Total risk-based capital ratio | 5.8938% | 7,174 |
| Memoranda: | ||
| Average total assets | $126,978,330 | 4,267 |
| Average earning assets | $105,439,670 | 4,519 |
| Average equity | $4,305,670 | 6,598 |
| Average total loans | $77,553,000 | 4,166 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 3,947 |
| Cost of funding earning assets | 1.2275% | 858 |
| Net interest margin | 3.2645% | 5,599 |
| Noninterest income to average assets | 1.9440% | 428 |
| Noninterest expense to average assets | 3.6549% | 1,458 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9721% | 2,588 |
| Return on assets (ROA) | 1.0555% | 2,458 |
| Pretax return on assets | 1.0807% | 3,395 |
| Return on Equity (ROE) | 31.7761% | 88 |
| Retained earnings to average equity (ytd only) | 31.7761% | 50 |
| Net charge-offs to loans | -0.0311% | 6,360 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5908% | 2,415 |
| Assets per employee ($millions) | 3.9205% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 4,780 |
| Loan loss allowance to noncurrent loans | 27.2379% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 11.5292% | 224 |
| Noncurrent loans to loans | 4.9773% | 1,131 |
| Net loans and leases to total assets | 59.8967% | 3,688 |
| Net loans and leases to deposits | 64.7099% | 4,531 |
| Net loans and leases to core deposits | 66.8888% | 4,816 |
| Total domestic deposits to total assets | 92.5620% | 178 |
| Equity capital to assets | 3.3770% | 7,219 |
| Core capital (leverage) ratio | 3.4470% | 7,210 |
| Tier 1 risk-based capital ratio | 4.6589% | 7,228 |
| Total risk-based capital ratio | 5.7881% | 7,232 |
| Memoranda: | ||
| Average total assets | $126,953,000 | 4,302 |
| Average earning assets | $105,255,000 | 4,562 |
| Average equity | $4,217,000 | 6,659 |
| Average total loans | $77,280,000 | 4,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 3,228 |
| Cost of funding earning assets | 1.7308% | 288 |
| Net interest margin | 3.1948% | 6,110 |
| Noninterest income to average assets | 0.6882% | 2,672 |
| Noninterest expense to average assets | 3.5534% | 1,852 |
| Loan and lease loss provision to assets | 0.3527% | 2,887 |
| Net operating income to assets | -0.5446% | 6,520 |
| Return on assets (ROA) | -0.3909% | 6,460 |
| Pretax return on assets | -0.3909% | 6,415 |
| Return on Equity (ROE) | -11.7407% | 6,792 |
| Retained earnings to average equity (ytd only) | -11.7407% | 6,759 |
| Net charge-offs to loans | 0.8421% | 2,057 |
| Credit loss provision to net charge-offs | 66.7651% | 4,973 |
| Earnings coverage of net charge-offs (x) | -0.3634% | 6,030 |
| Efficiency ratio | 105.7103% | 524 |
| Assets per employee ($millions) | 4.0171% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,491 |
| Loan loss allowance to noncurrent loans | 25.6230% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 12.1296% | 204 |
| Noncurrent loans to loans | 5.4379% | 977 |
| Net loans and leases to total assets | 60.1815% | 3,959 |
| Net loans and leases to deposits | 65.0516% | 4,866 |
| Net loans and leases to core deposits | 66.8373% | 5,170 |
| Total domestic deposits to total assets | 92.5135% | 179 |
| Equity capital to assets | 3.2643% | 7,263 |
| Core capital (leverage) ratio | 3.1819% | 7,259 |
| Tier 1 risk-based capital ratio | 4.3896% | 7,268 |
| Total risk-based capital ratio | 5.5352% | 7,272 |
| Memoranda: | ||
| Average total assets | $128,158,800 | 4,213 |
| Average earning assets | $107,236,000 | 4,469 |
| Average equity | $4,267,200 | 6,668 |
| Average total loans | $80,393,400 | 4,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 3,187 |
| Cost of funding earning assets | 1.8335% | 233 |
| Net interest margin | 3.1465% | 6,297 |
| Noninterest income to average assets | 0.6787% | 2,727 |
| Noninterest expense to average assets | 3.5051% | 1,922 |
| Loan and lease loss provision to assets | 0.5248% | 1,886 |
| Net operating income to assets | -0.7097% | 6,760 |
| Return on assets (ROA) | -0.5454% | 6,705 |
| Pretax return on assets | -0.5454% | 6,647 |
| Return on Equity (ROE) | -16.3043% | 7,038 |
| Retained earnings to average equity (ytd only) | -16.3043% | 7,016 |
| Net charge-offs to loans | 1.0193% | 1,573 |
| Credit loss provision to net charge-offs | 81.5409% | 4,095 |
| Earnings coverage of net charge-offs (x) | -0.2873% | 5,759 |
| Efficiency ratio | 105.5694% | 514 |
| Assets per employee ($millions) | 4.1924% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5017% | 4,083 |
| Loan loss allowance to noncurrent loans | 24.6002% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 11.8110% | 236 |
| Noncurrent loans to loans | 6.1044% | 903 |
| Net loans and leases to total assets | 58.9986% | 4,321 |
| Net loans and leases to deposits | 63.7668% | 5,201 |
| Net loans and leases to core deposits | 67.0013% | 5,305 |
| Total domestic deposits to total assets | 92.5225% | 158 |
| Equity capital to assets | 3.2401% | 7,354 |
| Core capital (leverage) ratio | 3.1599% | 7,346 |
| Tier 1 risk-based capital ratio | 4.3506% | 7,356 |
| Total risk-based capital ratio | 5.5989% | 7,360 |
| Memoranda: | ||
| Average total assets | $129,066,000 | 4,217 |
| Average earning assets | $108,349,000 | 4,471 |
| Average equity | $4,317,750 | 6,700 |
| Average total loans | $81,491,000 | 4,131 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0521% | 2,914 |
| Cost of funding earning assets | 1.9695% | 157 |
| Net interest margin | 3.0825% | 6,444 |
| Noninterest income to average assets | 0.5529% | 3,459 |
| Noninterest expense to average assets | 3.4776% | 2,042 |
| Loan and lease loss provision to assets | 0.1988% | 3,940 |
| Net operating income to assets | -0.5296% | 6,707 |
| Return on assets (ROA) | -0.4132% | 6,647 |
| Pretax return on assets | -0.4132% | 6,595 |
| Return on Equity (ROE) | -12.2205% | 6,991 |
| Retained earnings to average equity (ytd only) | -12.2205% | 6,947 |
| Net charge-offs to loans | 0.5780% | 2,376 |
| Credit loss provision to net charge-offs | 53.5565% | 4,497 |
| Earnings coverage of net charge-offs (x) | -0.8912% | 5,614 |
| Efficiency ratio | 110.5133% | 470 |
| Assets per employee ($millions) | 4.2048% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 4,301 |
| Loan loss allowance to noncurrent loans | 25.7972% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 11.7605% | 273 |
| Noncurrent loans to loans | 5.6510% | 1,102 |
| Net loans and leases to total assets | 62.8572% | 3,707 |
| Net loans and leases to deposits | 68.1865% | 4,678 |
| Net loans and leases to core deposits | 71.5982% | 4,866 |
| Total domestic deposits to total assets | 92.1843% | 204 |
| Equity capital to assets | 3.4366% | 7,418 |
| Core capital (leverage) ratio | 3.3707% | 7,410 |
| Tier 1 risk-based capital ratio | 4.5740% | 7,416 |
| Total risk-based capital ratio | 5.8235% | 7,415 |
| Memoranda: | ||
| Average total assets | $128,766,670 | 4,253 |
| Average earning assets | $108,352,000 | 4,496 |
| Average equity | $4,353,330 | 6,728 |
| Average total loans | $82,706,000 | 4,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9924% | 3,135 |
| Cost of funding earning assets | 1.9897% | 174 |
| Net interest margin | 3.0027% | 6,566 |
| Noninterest income to average assets | 0.6181% | 3,048 |
| Noninterest expense to average assets | 3.4256% | 2,211 |
| Loan and lease loss provision to assets | 0.0369% | 5,528 |
| Net operating income to assets | -0.3014% | 6,663 |
| Return on assets (ROA) | -0.2614% | 6,632 |
| Pretax return on assets | -0.2614% | 6,589 |
| Return on Equity (ROE) | -7.7937% | 6,952 |
| Retained earnings to average equity (ytd only) | -7.7937% | 6,738 |
| Net charge-offs to loans | 0.3245% | 2,761 |
| Credit loss provision to net charge-offs | 17.6471% | 4,281 |
| Earnings coverage of net charge-offs (x) | -1.2647% | 4,924 |
| Efficiency ratio | 108.3658% | 531 |
| Assets per employee ($millions) | 4.3750% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,290 |
| Loan loss allowance to noncurrent loans | 22.2383% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 11.5100% | 298 |
| Noncurrent loans to loans | 6.6685% | 870 |
| Net loans and leases to total assets | 62.1550% | 3,819 |
| Net loans and leases to deposits | 68.8430% | 4,546 |
| Net loans and leases to core deposits | 73.1650% | 4,630 |
| Total domestic deposits to total assets | 90.2850% | 969 |
| Equity capital to assets | 3.3173% | 7,471 |
| Core capital (leverage) ratio | 3.4290% | 7,467 |
| Tier 1 risk-based capital ratio | 4.6215% | 7,473 |
| Total risk-based capital ratio | 5.8717% | 7,473 |
| Memoranda: | ||
| Average total assets | $130,078,500 | 4,260 |
| Average earning assets | $110,168,000 | 4,464 |
| Average equity | $4,362,500 | 6,765 |
| Average total loans | $83,827,500 | 4,138 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 3,412 |
| Cost of funding earning assets | 2.4941% | 112 |
| Net interest margin | 2.7457% | 7,087 |
| Noninterest income to average assets | 0.3477% | 5,315 |
| Noninterest expense to average assets | 3.8619% | 1,374 |
| Loan and lease loss provision to assets | -0.0749% | 7,600 |
| Net operating income to assets | -1.1049% | 6,744 |
| Return on assets (ROA) | -0.8879% | 6,652 |
| Pretax return on assets | -0.8879% | 6,572 |
| Return on Equity (ROE) | -22.2129% | 7,076 |
| Retained earnings to average equity (ytd only) | -22.2129% | 7,054 |
| Net charge-offs to loans | 1.3689% | 1,635 |
| Credit loss provision to net charge-offs | -8.0658% | 6,984 |
| Earnings coverage of net charge-offs (x) | -1.2708% | 6,647 |
| Efficiency ratio | 143.9886% | 243 |
| Assets per employee ($millions) | 4.2969% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,931 |
| Loan loss allowance to noncurrent loans | 19.1071% | 6,846 |
| Noncurrent assets plus other real estate owned to assets | 11.8133% | 290 |
| Noncurrent loans to loans | 7.9200% | 661 |
| Net loans and leases to total assets | 64.8255% | 3,705 |
| Net loans and leases to deposits | 71.8787% | 4,540 |
| Net loans and leases to core deposits | 76.2689% | 4,670 |
| Total domestic deposits to total assets | 90.1874% | 997 |
| Equity capital to assets | 3.3908% | 7,540 |
| Core capital (leverage) ratio | 3.4850% | 7,531 |
| Tier 1 risk-based capital ratio | 4.6774% | 7,539 |
| Total risk-based capital ratio | 5.9279% | 7,544 |
| Memoranda: | ||
| Average total assets | $130,868,400 | 4,242 |
| Average earning assets | $111,263,200 | 4,438 |
| Average equity | $5,231,200 | 6,581 |
| Average total loans | $88,757,200 | 4,084 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 3,419 |
| Cost of funding earning assets | 2.5741% | 107 |
| Net interest margin | 2.7123% | 7,218 |
| Noninterest income to average assets | 0.3887% | 5,049 |
| Noninterest expense to average assets | 3.8408% | 1,296 |
| Loan and lease loss provision to assets | -0.1949% | 7,719 |
| Net operating income to assets | -0.9470% | 6,871 |
| Return on assets (ROA) | -0.6587% | 6,751 |
| Pretax return on assets | -0.6587% | 6,652 |
| Return on Equity (ROE) | -15.8882% | 7,133 |
| Retained earnings to average equity (ytd only) | -15.8882% | 7,106 |
| Net charge-offs to loans | 1.5497% | 1,290 |
| Credit loss provision to net charge-offs | -18.4084% | 6,862 |
| Earnings coverage of net charge-offs (x) | -1.0786% | 6,454 |
| Efficiency ratio | 142.3091% | 238 |
| Assets per employee ($millions) | 4.6836% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 3,576 |
| Loan loss allowance to noncurrent loans | 24.2694% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 10.8447% | 337 |
| Noncurrent loans to loans | 6.5402% | 913 |
| Net loans and leases to total assets | 64.3928% | 4,047 |
| Net loans and leases to deposits | 71.7657% | 4,871 |
| Net loans and leases to core deposits | 76.0871% | 5,042 |
| Total domestic deposits to total assets | 89.7264% | 1,007 |
| Equity capital to assets | 3.8477% | 7,648 |
| Core capital (leverage) ratio | 3.8428% | 7,631 |
| Tier 1 risk-based capital ratio | 5.1125% | 7,635 |
| Total risk-based capital ratio | 6.3645% | 7,636 |
| Memoranda: | ||
| Average total assets | $131,359,000 | 4,289 |
| Average earning assets | $111,883,000 | 4,486 |
| Average equity | $5,446,250 | 6,603 |
| Average total loans | $89,734,500 | 4,125 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 3,109 |
| Cost of funding earning assets | 2.6820% | 100 |
| Net interest margin | 2.6874% | 7,269 |
| Noninterest income to average assets | 0.4839% | 4,248 |
| Noninterest expense to average assets | 3.9427% | 1,111 |
| Loan and lease loss provision to assets | -0.4641% | 7,810 |
| Net operating income to assets | -0.7106% | 6,812 |
| Return on assets (ROA) | -0.5904% | 6,765 |
| Pretax return on assets | -0.5904% | 6,653 |
| Return on Equity (ROE) | -13.9076% | 7,107 |
| Retained earnings to average equity (ytd only) | -13.9076% | 7,067 |
| Net charge-offs to loans | 1.1621% | 1,631 |
| Credit loss provision to net charge-offs | -57.6560% | 6,642 |
| Earnings coverage of net charge-offs (x) | -1.4594% | 6,172 |
| Efficiency ratio | 142.4409% | 242 |
| Assets per employee ($millions) | 4.0813% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9717% | 2,254 |
| Loan loss allowance to noncurrent loans | 30.0034% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 9.3017% | 463 |
| Noncurrent loans to loans | 6.5716% | 903 |
| Net loans and leases to total assets | 67.1149% | 3,594 |
| Net loans and leases to deposits | 75.0850% | 4,502 |
| Net loans and leases to core deposits | 80.4627% | 4,641 |
| Total domestic deposits to total assets | 89.3851% | 1,235 |
| Equity capital to assets | 4.1585% | 7,684 |
| Core capital (leverage) ratio | 4.0150% | 7,679 |
| Tier 1 risk-based capital ratio | 5.2799% | 7,686 |
| Total risk-based capital ratio | 6.5364% | 7,686 |
| Memoranda: | ||
| Average total assets | $131,431,330 | 4,313 |
| Average earning assets | $111,705,670 | 4,515 |
| Average equity | $5,579,670 | 6,593 |
| Average total loans | $91,043,330 | 4,124 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 3,063 |
| Cost of funding earning assets | 2.7436% | 105 |
| Net interest margin | 2.6507% | 7,342 |
| Noninterest income to average assets | 0.4702% | 4,295 |
| Noninterest expense to average assets | 3.4404% | 2,129 |
| Loan and lease loss provision to assets | -0.7918% | 7,911 |
| Net operating income to assets | 0.0728% | 6,103 |
| Return on assets (ROA) | 0.1031% | 6,118 |
| Pretax return on assets | 0.1031% | 6,124 |
| Return on Equity (ROE) | 2.4054% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.4054% | 4,698 |
| Net charge-offs to loans | 1.5415% | 1,130 |
| Credit loss provision to net charge-offs | -73.7288% | 6,034 |
| Earnings coverage of net charge-offs (x) | -0.6695% | 5,333 |
| Efficiency ratio | 126.4214% | 373 |
| Assets per employee ($millions) | 4.1292% | 3,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1620% | 1,829 |
| Loan loss allowance to noncurrent loans | 25.2516% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 9.6017% | 426 |
| Noncurrent loans to loans | 8.5618% | 600 |
| Net loans and leases to total assets | 67.8808% | 3,414 |
| Net loans and leases to deposits | 75.8965% | 4,437 |
| Net loans and leases to core deposits | 86.4344% | 3,833 |
| Total domestic deposits to total assets | 89.4387% | 1,275 |
| Equity capital to assets | 4.3161% | 7,771 |
| Core capital (leverage) ratio | 4.3307% | 7,751 |
| Tier 1 risk-based capital ratio | 5.6998% | 7,761 |
| Total risk-based capital ratio | 6.9589% | 7,766 |
| Memoranda: | ||
| Average total assets | $131,847,000 | 4,361 |
| Average earning assets | $111,971,000 | 4,564 |
| Average equity | $5,654,000 | 6,631 |
| Average total loans | $91,857,500 | 4,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7518% | 2,856 |
| Cost of funding earning assets | 3.5060% | 42 |
| Net interest margin | 2.2458% | 7,623 |
| Noninterest income to average assets | 0.0423% | 7,535 |
| Noninterest expense to average assets | 3.1670% | 3,487 |
| Loan and lease loss provision to assets | 1.9966% | 1,090 |
| Net operating income to assets | -3.1988% | 7,446 |
| Return on assets (ROA) | -2.9427% | 7,393 |
| Pretax return on assets | -2.9427% | 7,274 |
| Return on Equity (ROE) | -48.4876% | 7,672 |
| Retained earnings to average equity (ytd only) | -48.4876% | 7,665 |
| Net charge-offs to loans | 2.2789% | 1,026 |
| Credit loss provision to net charge-offs | 125.2212% | 4,175 |
| Earnings coverage of net charge-offs (x) | -0.7540% | 6,829 |
| Efficiency ratio | 161.1849% | 250 |
| Assets per employee ($millions) | 4.1113% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8216% | 913 |
| Loan loss allowance to noncurrent loans | 33.6007% | 6,198 |
| Noncurrent assets plus other real estate owned to assets | 10.1200% | 363 |
| Noncurrent loans to loans | 8.3974% | 575 |
| Net loans and leases to total assets | 67.9860% | 3,702 |
| Net loans and leases to deposits | 75.9975% | 4,743 |
| Net loans and leases to core deposits | 110.6612% | 2,825 |
| Total domestic deposits to total assets | 89.4581% | 1,235 |
| Equity capital to assets | 4.2604% | 7,840 |
| Core capital (leverage) ratio | 4.2179% | 7,831 |
| Tier 1 risk-based capital ratio | 5.6324% | 7,836 |
| Total risk-based capital ratio | 6.8988% | 7,840 |
| Memoranda: | ||
| Average total assets | $141,742,000 | 4,084 |
| Average earning assets | $121,336,000 | 4,281 |
| Average equity | $8,602,200 | 5,731 |
| Average total loans | $99,171,600 | 3,973 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8117% | 2,835 |
| Cost of funding earning assets | 3.6532% | 34 |
| Net interest margin | 2.1586% | 7,730 |
| Noninterest income to average assets | 0.3327% | 5,828 |
| Noninterest expense to average assets | 2.9117% | 4,409 |
| Loan and lease loss provision to assets | 1.3565% | 1,420 |
| Net operating income to assets | -2.0819% | 7,351 |
| Return on assets (ROA) | -1.8906% | 7,274 |
| Pretax return on assets | -1.8906% | 7,129 |
| Return on Equity (ROE) | -29.1710% | 7,589 |
| Retained earnings to average equity (ytd only) | -29.1710% | 7,579 |
| Net charge-offs to loans | 1.7856% | 1,131 |
| Credit loss provision to net charge-offs | 108.5799% | 4,684 |
| Earnings coverage of net charge-offs (x) | -0.5806% | 6,506 |
| Efficiency ratio | 133.1784% | 439 |
| Assets per employee ($millions) | 4.2438% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2402% | 1,362 |
| Loan loss allowance to noncurrent loans | 33.0557% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 9.0499% | 427 |
| Noncurrent loans to loans | 6.7772% | 824 |
| Net loans and leases to total assets | 68.8615% | 3,754 |
| Net loans and leases to deposits | 78.1599% | 4,721 |
| Net loans and leases to core deposits | 105.8844% | 3,713 |
| Total domestic deposits to total assets | 88.1034% | 1,613 |
| Equity capital to assets | 5.7930% | 7,891 |
| Core capital (leverage) ratio | 5.4457% | 7,880 |
| Tier 1 risk-based capital ratio | 7.3482% | 7,863 |
| Total risk-based capital ratio | 8.6077% | 7,865 |
| Memoranda: | ||
| Average total assets | $144,287,250 | 4,065 |
| Average earning assets | $123,907,000 | 4,249 |
| Average equity | $9,351,500 | 5,537 |
| Average total loans | $100,954,500 | 3,958 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9014% | 2,575 |
| Cost of funding earning assets | 3.6190% | 75 |
| Net interest margin | 2.2824% | 7,689 |
| Noninterest income to average assets | 0.4595% | 4,782 |
| Noninterest expense to average assets | 2.7407% | 5,218 |
| Loan and lease loss provision to assets | 0.2433% | 4,634 |
| Net operating income to assets | -0.5560% | 6,606 |
| Return on assets (ROA) | -0.2746% | 6,311 |
| Pretax return on assets | -0.2746% | 6,211 |
| Return on Equity (ROE) | -4.1031% | 6,490 |
| Retained earnings to average equity (ytd only) | -4.1031% | 6,156 |
| Net charge-offs to loans | 0.0234% | 6,165 |
| Credit loss provision to net charge-offs | 1,491.6667% | 348 |
| Earnings coverage of net charge-offs (x) | -19.1667% | 6,564 |
| Efficiency ratio | 112.8779% | 780 |
| Assets per employee ($millions) | 4.4479% | 2,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1914% | 1,262 |
| Loan loss allowance to noncurrent loans | 60.9106% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 6.4866% | 708 |
| Noncurrent loans to loans | 3.5978% | 1,943 |
| Net loans and leases to total assets | 66.7141% | 4,414 |
| Net loans and leases to deposits | 80.2773% | 4,505 |
| Net loans and leases to core deposits | 104.3744% | 4,023 |
| Total domestic deposits to total assets | 83.1046% | 4,192 |
| Equity capital to assets | 6.4580% | 7,829 |
| Core capital (leverage) ratio | 6.4433% | 7,822 |
| Tier 1 risk-based capital ratio | 8.5886% | 7,832 |
| Total risk-based capital ratio | 9.8474% | 7,866 |
| Memoranda: | ||
| Average total assets | $147,115,330 | 4,049 |
| Average earning assets | $126,886,000 | 4,209 |
| Average equity | $9,846,330 | 5,409 |
| Average total loans | $102,719,670 | 3,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0346% | 2,218 |
| Cost of funding earning assets | 3.7382% | 78 |
| Net interest margin | 2.2964% | 7,715 |
| Noninterest income to average assets | 0.4481% | 4,789 |
| Noninterest expense to average assets | 2.6833% | 5,086 |
| Loan and lease loss provision to assets | -0.3096% | 8,221 |
| Net operating income to assets | 0.0815% | 6,033 |
| Return on assets (ROA) | 0.6437% | 4,005 |
| Pretax return on assets | 0.6437% | 4,610 |
| Return on Equity (ROE) | 9.4516% | 2,554 |
| Retained earnings to average equity (ytd only) | 9.4516% | 1,353 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2920% | 828 |
| Assets per employee ($millions) | 4.5197% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8234% | 1,798 |
| Loan loss allowance to noncurrent loans | 56.0340% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 5.9014% | 689 |
| Noncurrent loans to loans | 3.2542% | 1,978 |
| Net loans and leases to total assets | 69.0569% | 3,900 |
| Net loans and leases to deposits | 83.9821% | 3,988 |
| Net loans and leases to core deposits | 106.1145% | 3,896 |
| Total domestic deposits to total assets | 82.2281% | 4,459 |
| Equity capital to assets | 6.7810% | 7,772 |
| Core capital (leverage) ratio | 6.6407% | 7,823 |
| Tier 1 risk-based capital ratio | 8.5348% | 7,939 |
| Total risk-based capital ratio | 9.7898% | 7,977 |
| Memoranda: | ||
| Average total assets | $147,283,000 | 4,054 |
| Average earning assets | $128,723,500 | 4,180 |
| Average equity | $10,030,000 | 5,378 |
| Average total loans | $104,021,000 | 3,936 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4084% | 3,372 |
| Cost of funding earning assets | 3.8678% | 153 |
| Net interest margin | 2.5406% | 7,708 |
| Noninterest income to average assets | 0.2429% | 6,705 |
| Noninterest expense to average assets | 3.0955% | 3,707 |
| Loan and lease loss provision to assets | 1.9250% | 647 |
| Net operating income to assets | -2.5110% | 7,713 |
| Return on assets (ROA) | -2.4404% | 7,663 |
| Pretax return on assets | -2.4404% | 7,576 |
| Return on Equity (ROE) | -29.9281% | 7,961 |
| Retained earnings to average equity (ytd only) | -29.9281% | 7,912 |
| Net charge-offs to loans | 1.5478% | 746 |
| Credit loss provision to net charge-offs | 171.5832% | 2,978 |
| Earnings coverage of net charge-offs (x) | -0.5223% | 6,491 |
| Efficiency ratio | 123.3515% | 539 |
| Assets per employee ($millions) | 4.4065% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 1,293 |
| Loan loss allowance to noncurrent loans | 73.0977% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 4.9857% | 700 |
| Noncurrent loans to loans | 2.6888% | 2,015 |
| Net loans and leases to total assets | 69.5272% | 4,132 |
| Net loans and leases to deposits | 84.9955% | 4,253 |
| Net loans and leases to core deposits | 99.6324% | 4,859 |
| Total domestic deposits to total assets | 81.8011% | 4,276 |
| Equity capital to assets | 6.8397% | 7,809 |
| Core capital (leverage) ratio | 6.6401% | 7,879 |
| Tier 1 risk-based capital ratio | 8.3464% | 8,022 |
| Total risk-based capital ratio | 9.6017% | 8,065 |
| Memoranda: | ||
| Average total assets | $131,740,800 | 4,238 |
| Average earning assets | $117,533,000 | 4,321 |
| Average equity | $10,742,400 | 5,202 |
| Average total loans | $95,490,400 | 4,069 |