Home > Ojai Community Bank > Performance and Condition Ratios
Ojai Community Bank, Performance and Condition Ratios
| 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 | 4.4036% | 1,950 |
| Cost of funding earning assets | 0.3084% | 4,049 |
| Net interest margin | 4.0951% | 1,404 |
| Noninterest income to average assets | 0.3334% | 4,153 |
| Noninterest expense to average assets | 3.0712% | 1,891 |
| Loan and lease loss provision to assets | 0.0693% | 2,689 |
| Net operating income to assets | 0.5885% | 4,429 |
| Return on assets (ROA) | 0.5885% | 4,467 |
| Pretax return on assets | 0.9942% | 3,710 |
| Return on Equity (ROE) | 6.4148% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.2863% | 2,698 |
| Net charge-offs to loans | -0.0237% | 4,911 |
| Credit loss provision to net charge-offs | -368.4211% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2782% | 1,853 |
| Assets per employee ($millions) | 5.9783% | 1,509 |
| Cash dividends to net income (ytd only)* | 17.5926% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2280% | 1,329 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 80.0807% | 974 |
| Net loans and leases to deposits | 94.9708% | 1,201 |
| Net loans and leases to core deposits | 98.6362% | 1,833 |
| Total domestic deposits to total assets | 84.3215% | 2,987 |
| Equity capital to assets | 9.2713% | 4,668 |
| Core capital (leverage) ratio | 9.1075% | 4,627 |
| Tier 1 risk-based capital ratio | 10.8599% | 5,314 |
| Total risk-based capital ratio | 12.0759% | 5,246 |
| Memoranda: | ||
| Average total assets | $269,161,250 | 2,369 |
| Average earning assets | $249,851,000 | 2,373 |
| Average equity | $24,692,250 | 2,717 |
| Average total loans | $214,019,250 | 2,054 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3544% | 1,962 |
| Cost of funding earning assets | 0.3007% | 4,075 |
| Net interest margin | 4.0536% | 1,453 |
| Noninterest income to average assets | 0.3757% | 3,868 |
| Noninterest expense to average assets | 2.8277% | 2,657 |
| Loan and lease loss provision to assets | 0.1048% | 1,932 |
| Net operating income to assets | 0.7163% | 3,767 |
| Return on assets (ROA) | 0.7163% | 3,836 |
| Pretax return on assets | 1.2162% | 2,715 |
| Return on Equity (ROE) | 7.8364% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.1250% | 2,045 |
| Net charge-offs to loans | -0.0360% | 5,036 |
| Credit loss provision to net charge-offs | -368.4211% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1580% | 2,985 |
| Assets per employee ($millions) | 5.8573% | 1,573 |
| Cash dividends to net income (ytd only)* | 21.8391% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 2,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2267% | 1,384 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 75.0988% | 1,684 |
| Net loans and leases to deposits | 89.9241% | 1,738 |
| Net loans and leases to core deposits | 93.4249% | 2,205 |
| Total domestic deposits to total assets | 83.5135% | 3,397 |
| Equity capital to assets | 9.0239% | 4,874 |
| Core capital (leverage) ratio | 9.0759% | 4,638 |
| Tier 1 risk-based capital ratio | 11.1785% | 5,159 |
| Total risk-based capital ratio | 12.4290% | 5,049 |
| Memoranda: | ||
| Average total assets | $267,215,000 | 2,392 |
| Average earning assets | $248,714,330 | 2,388 |
| Average equity | $24,424,330 | 2,741 |
| Average total loans | $211,010,000 | 2,080 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3904% | 1,675 |
| Cost of funding earning assets | 0.3021% | 4,019 |
| Net interest margin | 4.0883% | 1,240 |
| Noninterest income to average assets | 0.4180% | 3,538 |
| Noninterest expense to average assets | 2.8726% | 2,541 |
| Loan and lease loss provision to assets | 0.1596% | 1,130 |
| Net operating income to assets | 0.6931% | 3,743 |
| Return on assets (ROA) | 0.6931% | 3,779 |
| Pretax return on assets | 1.1916% | 2,627 |
| Return on Equity (ROE) | 7.5324% | 3,151 |
| Retained earnings to average equity (ytd only) | 5.6658% | 2,510 |
| Net charge-offs to loans | 0.0019% | 2,899 |
| Credit loss provision to net charge-offs | 10,500.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 889.0000% | 50 |
| Efficiency ratio | 68.0101% | 3,196 |
| Assets per employee ($millions) | 5.4988% | 1,889 |
| Cash dividends to net income (ytd only)* | 24.7807% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2533% | 1,372 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.5067% | 1,059 |
| Net loans and leases to deposits | 95.2868% | 984 |
| Net loans and leases to core deposits | 99.1270% | 1,572 |
| Total domestic deposits to total assets | 82.3899% | 4,062 |
| Equity capital to assets | 9.0528% | 4,758 |
| Core capital (leverage) ratio | 9.2926% | 4,354 |
| Tier 1 risk-based capital ratio | 11.0143% | 5,304 |
| Total risk-based capital ratio | 12.2642% | 5,209 |
| Memoranda: | ||
| Average total assets | $263,176,500 | 2,440 |
| Average earning assets | $244,991,500 | 2,437 |
| Average equity | $24,215,500 | 2,772 |
| Average total loans | $211,732,000 | 2,084 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 1,784 |
| Cost of funding earning assets | 0.2625% | 4,439 |
| Net interest margin | 4.1493% | 1,245 |
| Noninterest income to average assets | 0.3011% | 4,586 |
| Noninterest expense to average assets | 2.8895% | 2,710 |
| Loan and lease loss provision to assets | 0.1575% | 1,582 |
| Net operating income to assets | 0.6720% | 3,903 |
| Return on assets (ROA) | 0.6720% | 4,015 |
| Pretax return on assets | 1.1172% | 3,036 |
| Return on Equity (ROE) | 7.4375% | 3,246 |
| Retained earnings to average equity (ytd only) | 5.0389% | 2,317 |
| Net charge-offs to loans | -0.0832% | 5,531 |
| Credit loss provision to net charge-offs | -232.9193% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3898% | 3,013 |
| Assets per employee ($millions) | 5.4662% | 1,891 |
| Cash dividends to net income (ytd only)* | 32.2500% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3145% | 1,333 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.3920% | 831 |
| Net loans and leases to deposits | 98.8949% | 748 |
| Net loans and leases to core deposits | 103.3993% | 1,331 |
| Total domestic deposits to total assets | 81.2904% | 4,262 |
| Equity capital to assets | 9.3569% | 4,416 |
| Core capital (leverage) ratio | 9.2364% | 4,427 |
| Tier 1 risk-based capital ratio | 11.3056% | 5,169 |
| Total risk-based capital ratio | 12.5557% | 5,067 |
| Memoranda: | ||
| Average total assets | $238,104,200 | 2,599 |
| Average earning assets | $221,677,800 | 2,577 |
| Average equity | $21,512,600 | 3,020 |
| Average total loans | $193,454,600 | 2,168 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 1,793 |
| Cost of funding earning assets | 0.2468% | 4,630 |
| Net interest margin | 4.1738% | 1,192 |
| Noninterest income to average assets | 0.2811% | 4,758 |
| Noninterest expense to average assets | 2.9528% | 2,452 |
| Loan and lease loss provision to assets | 0.1902% | 1,144 |
| Net operating income to assets | 0.6147% | 4,235 |
| Return on assets (ROA) | 0.6147% | 4,349 |
| Pretax return on assets | 1.0214% | 3,545 |
| Return on Equity (ROE) | 6.8705% | 3,628 |
| Retained earnings to average equity (ytd only) | 4.5782% | 3,094 |
| Net charge-offs to loans | -0.1112% | 5,610 |
| Credit loss provision to net charge-offs | -210.7595% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9053% | 2,759 |
| Assets per employee ($millions) | 5.5444% | 1,811 |
| Cash dividends to net income (ytd only)* | 33.3640% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2959% | 1,485 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 76.5001% | 1,437 |
| Net loans and leases to deposits | 93.2688% | 1,343 |
| Net loans and leases to core deposits | 97.5351% | 1,856 |
| Total domestic deposits to total assets | 82.0210% | 3,930 |
| Equity capital to assets | 8.8711% | 5,266 |
| Core capital (leverage) ratio | 9.1058% | 4,710 |
| Tier 1 risk-based capital ratio | 11.1111% | 5,312 |
| Total risk-based capital ratio | 12.3613% | 5,220 |
| Memoranda: | ||
| Average total assets | $233,402,500 | 2,643 |
| Average earning assets | $217,160,000 | 2,635 |
| Average equity | $20,881,000 | 3,105 |
| Average total loans | $189,522,500 | 2,214 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4918% | 1,536 |
| Cost of funding earning assets | 0.2161% | 4,983 |
| Net interest margin | 4.2757% | 974 |
| Noninterest income to average assets | 0.2871% | 4,730 |
| Noninterest expense to average assets | 3.0668% | 2,151 |
| Loan and lease loss provision to assets | 0.2229% | 930 |
| Net operating income to assets | 0.5822% | 4,340 |
| Return on assets (ROA) | 0.5822% | 4,465 |
| Pretax return on assets | 0.9664% | 3,717 |
| Return on Equity (ROE) | 6.4860% | 3,808 |
| Retained earnings to average equity (ytd only) | 4.3505% | 3,150 |
| Net charge-offs to loans | -0.0432% | 5,307 |
| Credit loss provision to net charge-offs | -625.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0570% | 2,642 |
| Assets per employee ($millions) | 5.0844% | 2,215 |
| Cash dividends to net income (ytd only)* | 32.9250% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 1,381 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 81.2582% | 715 |
| Net loans and leases to deposits | 101.1064% | 624 |
| Net loans and leases to core deposits | 106.3103% | 1,155 |
| Total domestic deposits to total assets | 80.3689% | 4,461 |
| Equity capital to assets | 8.8108% | 5,393 |
| Core capital (leverage) ratio | 9.1751% | 4,631 |
| Tier 1 risk-based capital ratio | 10.5775% | 5,640 |
| Total risk-based capital ratio | 11.7987% | 5,564 |
| Memoranda: | ||
| Average total assets | $224,340,670 | 2,739 |
| Average earning assets | $208,244,330 | 2,729 |
| Average equity | $20,135,670 | 3,187 |
| Average total loans | $185,379,330 | 2,261 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5912% | 1,286 |
| Cost of funding earning assets | 0.1910% | 5,275 |
| Net interest margin | 4.4002% | 740 |
| Noninterest income to average assets | 0.2967% | 4,603 |
| Noninterest expense to average assets | 3.1904% | 1,854 |
| Loan and lease loss provision to assets | 0.2304% | 800 |
| Net operating income to assets | 0.5714% | 4,307 |
| Return on assets (ROA) | 0.5714% | 4,422 |
| Pretax return on assets | 0.9529% | 3,652 |
| Return on Equity (ROE) | 6.3021% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.4115% | 3,273 |
| Net charge-offs to loans | -0.0868% | 5,576 |
| Credit loss provision to net charge-offs | -320.5128% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9456% | 2,653 |
| Assets per employee ($millions) | 4.7996% | 2,587 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 3,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 1,324 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.9179% | 562 |
| Net loans and leases to deposits | 103.7541% | 424 |
| Net loans and leases to core deposits | 108.3571% | 955 |
| Total domestic deposits to total assets | 78.9539% | 4,974 |
| Equity capital to assets | 8.9686% | 5,199 |
| Core capital (leverage) ratio | 9.1342% | 4,686 |
| Tier 1 risk-based capital ratio | 10.6875% | 5,666 |
| Total risk-based capital ratio | 11.9316% | 5,584 |
| Memoranda: | ||
| Average total assets | $217,027,000 | 2,809 |
| Average earning assets | $201,082,500 | 2,811 |
| Average equity | $19,676,000 | 3,237 |
| Average total loans | $179,778,000 | 2,312 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 2,067 |
| Cost of funding earning assets | 0.1306% | 5,811 |
| Net interest margin | 4.2168% | 1,131 |
| Noninterest income to average assets | 0.3237% | 4,582 |
| Noninterest expense to average assets | 2.9830% | 2,606 |
| Loan and lease loss provision to assets | 0.2898% | 603 |
| Net operating income to assets | 0.5975% | 4,277 |
| Return on assets (ROA) | 0.5975% | 4,384 |
| Pretax return on assets | 0.9918% | 3,506 |
| Return on Equity (ROE) | 6.4159% | 3,832 |
| Retained earnings to average equity (ytd only) | 4.1310% | 3,061 |
| Net charge-offs to loans | -0.0087% | 5,079 |
| Credit loss provision to net charge-offs | -4,200.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9477% | 3,233 |
| Assets per employee ($millions) | 4.9285% | 2,443 |
| Cash dividends to net income (ytd only)* | 35.6128% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8125% | 2,642 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 82.2504% | 573 |
| Net loans and leases to deposits | 98.1392% | 805 |
| Net loans and leases to core deposits | 102.8560% | 1,304 |
| Total domestic deposits to total assets | 83.8099% | 3,558 |
| Equity capital to assets | 9.2254% | 4,870 |
| Core capital (leverage) ratio | 9.4132% | 4,300 |
| Tier 1 risk-based capital ratio | 11.0556% | 5,493 |
| Total risk-based capital ratio | 12.2662% | 5,418 |
| Memoranda: | ||
| Average total assets | $188,436,400 | 3,074 |
| Average earning assets | $176,103,800 | 3,039 |
| Average equity | $17,550,200 | 3,449 |
| Average total loans | $150,114,400 | 2,596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 2,276 |
| Cost of funding earning assets | 0.1242% | 5,951 |
| Net interest margin | 4.1632% | 1,247 |
| Noninterest income to average assets | 0.3359% | 4,544 |
| Noninterest expense to average assets | 3.0432% | 2,389 |
| Loan and lease loss provision to assets | 0.2505% | 681 |
| Net operating income to assets | 0.5594% | 4,564 |
| Return on assets (ROA) | 0.5594% | 4,651 |
| Pretax return on assets | 0.9333% | 3,874 |
| Return on Equity (ROE) | 5.9901% | 4,156 |
| Retained earnings to average equity (ytd only) | 3.6284% | 3,887 |
| Net charge-offs to loans | -0.0520% | 5,562 |
| Credit loss provision to net charge-offs | -612.5000% | 5,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9938% | 2,882 |
| Assets per employee ($millions) | 4.8191% | 2,532 |
| Cash dividends to net income (ytd only)* | 39.4258% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,548 |
| Loan loss allowance to noncurrent loans | 112.1264% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.8806% | 2,676 |
| Noncurrent loans to loans | 1.0869% | 2,310 |
| Net loans and leases to total assets | 80.0319% | 820 |
| Net loans and leases to deposits | 95.9894% | 1,003 |
| Net loans and leases to core deposits | 97.8564% | 1,710 |
| Total domestic deposits to total assets | 83.3758% | 3,664 |
| Equity capital to assets | 9.2310% | 5,078 |
| Core capital (leverage) ratio | 9.3112% | 4,572 |
| Tier 1 risk-based capital ratio | 11.0064% | 5,657 |
| Total risk-based capital ratio | 12.2019% | 5,593 |
| Memoranda: | ||
| Average total assets | $182,564,000 | 3,163 |
| Average earning assets | $170,634,750 | 3,135 |
| Average equity | $17,050,000 | 3,552 |
| Average total loans | $143,537,750 | 2,705 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 2,331 |
| Cost of funding earning assets | 0.1158% | 6,061 |
| Net interest margin | 4.1404% | 1,253 |
| Noninterest income to average assets | 0.3548% | 4,418 |
| Noninterest expense to average assets | 3.1269% | 2,175 |
| Loan and lease loss provision to assets | 0.2253% | 838 |
| Net operating income to assets | 0.5204% | 4,681 |
| Return on assets (ROA) | 0.5204% | 4,784 |
| Pretax return on assets | 0.8696% | 4,071 |
| Return on Equity (ROE) | 5.5483% | 4,353 |
| Retained earnings to average equity (ytd only) | 2.9543% | 4,155 |
| Net charge-offs to loans | -0.0580% | 5,598 |
| Credit loss provision to net charge-offs | -500.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0662% | 2,669 |
| Assets per employee ($millions) | 4.7027% | 2,676 |
| Cash dividends to net income (ytd only)* | 46.7532% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2151% | 3,701 |
| Loan loss allowance to noncurrent loans | 105.7851% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,733 |
| Noncurrent loans to loans | 1.1486% | 2,354 |
| Net loans and leases to total assets | 77.4486% | 1,144 |
| Net loans and leases to deposits | 94.1252% | 1,140 |
| Net loans and leases to core deposits | 95.8757% | 1,814 |
| Total domestic deposits to total assets | 82.2825% | 4,198 |
| Equity capital to assets | 9.5695% | 4,570 |
| Core capital (leverage) ratio | 10.1302% | 3,428 |
| Tier 1 risk-based capital ratio | 11.3912% | 5,530 |
| Total risk-based capital ratio | 12.5441% | 5,503 |
| Memoranda: | ||
| Average total assets | $177,557,000 | 3,250 |
| Average earning assets | $165,829,670 | 3,224 |
| Average equity | $16,653,670 | 3,616 |
| Average total loans | $138,023,000 | 2,772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2378% | 2,318 |
| Cost of funding earning assets | 0.1195% | 6,119 |
| Net interest margin | 4.1183% | 1,232 |
| Noninterest income to average assets | 0.3459% | 4,432 |
| Noninterest expense to average assets | 3.2157% | 1,946 |
| Loan and lease loss provision to assets | 0.1950% | 953 |
| Net operating income to assets | 0.4597% | 4,831 |
| Return on assets (ROA) | 0.4597% | 4,950 |
| Pretax return on assets | 0.7755% | 4,331 |
| Return on Equity (ROE) | 4.9562% | 4,549 |
| Retained earnings to average equity (ytd only) | 1.5019% | 4,885 |
| Net charge-offs to loans | -0.1140% | 5,902 |
| Credit loss provision to net charge-offs | -221.0526% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8164% | 2,372 |
| Assets per employee ($millions) | 4.5915% | 2,912 |
| Cash dividends to net income (ytd only)* | 69.6970% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 3,916 |
| Loan loss allowance to noncurrent loans | 98.8194% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 2,732 |
| Noncurrent loans to loans | 1.2249% | 2,323 |
| Net loans and leases to total assets | 76.2960% | 1,170 |
| Net loans and leases to deposits | 88.2245% | 1,591 |
| Net loans and leases to core deposits | 89.8633% | 2,144 |
| Total domestic deposits to total assets | 86.4794% | 2,679 |
| Equity capital to assets | 8.9497% | 5,346 |
| Core capital (leverage) ratio | 9.1913% | 4,730 |
| Tier 1 risk-based capital ratio | 10.7621% | 5,912 |
| Total risk-based capital ratio | 11.9064% | 5,884 |
| Memoranda: | ||
| Average total assets | $172,281,500 | 3,326 |
| Average earning assets | $160,649,000 | 3,312 |
| Average equity | $15,980,000 | 3,749 |
| Average total loans | $133,295,000 | 2,863 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 3,514 |
| Cost of funding earning assets | 0.1179% | 6,257 |
| Net interest margin | 3.9348% | 2,102 |
| Noninterest income to average assets | 0.3386% | 4,685 |
| Noninterest expense to average assets | 3.2770% | 1,987 |
| Loan and lease loss provision to assets | 0.2012% | 1,260 |
| Net operating income to assets | 0.3203% | 5,466 |
| Return on assets (ROA) | 0.3203% | 5,537 |
| Pretax return on assets | 0.5326% | 5,162 |
| Return on Equity (ROE) | 3.0839% | 5,446 |
| Retained earnings to average equity (ytd only) | 0.1316% | 5,715 |
| Net charge-offs to loans | 0.1023% | 3,043 |
| Credit loss provision to net charge-offs | 275.8929% | 923 |
| Earnings coverage of net charge-offs (x) | 10.0625% | 2,661 |
| Efficiency ratio | 73.9935% | 2,836 |
| Assets per employee ($millions) | 4.2521% | 3,448 |
| Cash dividends to net income (ytd only)* | 95.7317% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 3,941 |
| Loan loss allowance to noncurrent loans | 92.1615% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 2,716 |
| Noncurrent loans to loans | 1.3126% | 2,248 |
| Net loans and leases to total assets | 76.4295% | 1,203 |
| Net loans and leases to deposits | 88.5590% | 1,664 |
| Net loans and leases to core deposits | 90.1983% | 2,258 |
| Total domestic deposits to total assets | 86.3034% | 2,670 |
| Equity capital to assets | 9.6086% | 4,577 |
| Core capital (leverage) ratio | 10.0100% | 3,557 |
| Tier 1 risk-based capital ratio | 11.3343% | 5,749 |
| Total risk-based capital ratio | 12.4751% | 5,730 |
| Memoranda: | ||
| Average total assets | $153,586,600 | 3,579 |
| Average earning assets | $143,336,600 | 3,550 |
| Average equity | $15,953,800 | 3,671 |
| Average total loans | $109,435,000 | 3,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,712 |
| Cost of funding earning assets | 0.1230% | 6,322 |
| Net interest margin | 3.8885% | 2,290 |
| Noninterest income to average assets | 0.3224% | 4,857 |
| Noninterest expense to average assets | 3.1790% | 2,242 |
| Loan and lease loss provision to assets | 0.0611% | 3,138 |
| Net operating income to assets | 0.4323% | 5,137 |
| Return on assets (ROA) | 0.4323% | 5,214 |
| Pretax return on assets | 0.7219% | 4,625 |
| Return on Equity (ROE) | 4.0771% | 5,139 |
| Retained earnings to average equity (ytd only) | 1.2866% | 5,380 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2781% | 3,131 |
| Assets per employee ($millions) | 4.4017% | 3,129 |
| Cash dividends to net income (ytd only)* | 68.4423% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 3,856 |
| Loan loss allowance to noncurrent loans | 79.5087% | 4,206 |
| Noncurrent assets plus other real estate owned to assets | 1.1625% | 2,621 |
| Noncurrent loans to loans | 1.5899% | 2,040 |
| Net loans and leases to total assets | 72.1940% | 1,813 |
| Net loans and leases to deposits | 81.0130% | 2,547 |
| Net loans and leases to core deposits | 82.3263% | 3,067 |
| Total domestic deposits to total assets | 89.1140% | 1,171 |
| Equity capital to assets | 10.4232% | 3,652 |
| Core capital (leverage) ratio | 10.3047% | 3,289 |
| Tier 1 risk-based capital ratio | 12.6071% | 5,107 |
| Total risk-based capital ratio | 13.7730% | 5,092 |
| Memoranda: | ||
| Average total assets | $150,525,750 | 3,653 |
| Average earning assets | $140,889,500 | 3,618 |
| Average equity | $15,958,750 | 3,691 |
| Average total loans | $104,720,000 | 3,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 4,127 |
| Cost of funding earning assets | 0.1302% | 6,359 |
| Net interest margin | 3.7721% | 2,660 |
| Noninterest income to average assets | 0.3040% | 4,973 |
| Noninterest expense to average assets | 3.1350% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4192% | 5,142 |
| Return on assets (ROA) | 0.4192% | 5,224 |
| Pretax return on assets | 0.7004% | 4,638 |
| Return on Equity (ROE) | 3.9308% | 5,178 |
| Retained earnings to average equity (ytd only) | 1.3437% | 5,206 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4637% | 3,069 |
| Assets per employee ($millions) | 4.8188% | 2,446 |
| Cash dividends to net income (ytd only)* | 65.8147% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 4,202 |
| Loan loss allowance to noncurrent loans | 80.9922% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 2,892 |
| Noncurrent loans to loans | 1.5347% | 2,262 |
| Net loans and leases to total assets | 69.8156% | 2,118 |
| Net loans and leases to deposits | 78.6489% | 2,714 |
| Net loans and leases to core deposits | 80.3165% | 3,174 |
| Total domestic deposits to total assets | 88.7686% | 1,492 |
| Equity capital to assets | 10.3773% | 3,586 |
| Core capital (leverage) ratio | 10.4301% | 3,044 |
| Tier 1 risk-based capital ratio | 12.9215% | 4,960 |
| Total risk-based capital ratio | 14.0634% | 4,970 |
| Memoranda: | ||
| Average total assets | $149,347,670 | 3,688 |
| Average earning assets | $139,815,330 | 3,653 |
| Average equity | $15,925,670 | 3,705 |
| Average total loans | $102,078,000 | 3,415 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,087 |
| Cost of funding earning assets | 0.1338% | 6,430 |
| Net interest margin | 3.7659% | 2,613 |
| Noninterest income to average assets | 0.2586% | 5,287 |
| Noninterest expense to average assets | 3.2344% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3322% | 5,386 |
| Return on assets (ROA) | 0.3322% | 5,436 |
| Pretax return on assets | 0.5500% | 5,005 |
| Return on Equity (ROE) | 3.0716% | 5,436 |
| Retained earnings to average equity (ytd only) | 0.3525% | 5,428 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9065% | 2,660 |
| Assets per employee ($millions) | 4.7716% | 2,559 |
| Cash dividends to net income (ytd only)* | 88.5246% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 3,852 |
| Loan loss allowance to noncurrent loans | 81.3814% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 3,003 |
| Noncurrent loans to loans | 1.6576% | 2,337 |
| Net loans and leases to total assets | 66.9894% | 2,400 |
| Net loans and leases to deposits | 75.2826% | 2,907 |
| Net loans and leases to core deposits | 76.9428% | 3,309 |
| Total domestic deposits to total assets | 88.9838% | 1,672 |
| Equity capital to assets | 10.7485% | 2,987 |
| Core capital (leverage) ratio | 10.3534% | 3,112 |
| Tier 1 risk-based capital ratio | 13.5612% | 4,638 |
| Total risk-based capital ratio | 14.7769% | 4,601 |
| Memoranda: | ||
| Average total assets | $146,920,500 | 3,754 |
| Average earning assets | $137,551,500 | 3,706 |
| Average equity | $15,887,500 | 3,723 |
| Average total loans | $98,611,000 | 3,498 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 5,068 |
| Cost of funding earning assets | 0.1798% | 6,393 |
| Net interest margin | 3.5401% | 3,726 |
| Noninterest income to average assets | 0.3735% | 4,641 |
| Noninterest expense to average assets | 3.0650% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3490% | 5,335 |
| Return on assets (ROA) | 0.3490% | 5,450 |
| Pretax return on assets | 0.5914% | 4,898 |
| Return on Equity (ROE) | 3.1801% | 5,440 |
| Retained earnings to average equity (ytd only) | 2.5543% | 4,430 |
| Net charge-offs to loans | 0.0094% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 105.5000% | 444 |
| Efficiency ratio | 76.6194% | 2,688 |
| Assets per employee ($millions) | 5.0318% | 2,146 |
| Cash dividends to net income (ytd only)* | 19.6787% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4001% | 3,659 |
| Loan loss allowance to noncurrent loans | 62.2130% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 2,488 |
| Noncurrent loans to loans | 2.2505% | 1,721 |
| Net loans and leases to total assets | 65.3925% | 2,794 |
| Net loans and leases to deposits | 73.5690% | 3,321 |
| Net loans and leases to core deposits | 75.3639% | 3,684 |
| Total domestic deposits to total assets | 88.8858% | 1,707 |
| Equity capital to assets | 10.8798% | 2,726 |
| Core capital (leverage) ratio | 10.2623% | 3,201 |
| Tier 1 risk-based capital ratio | 14.0277% | 4,278 |
| Total risk-based capital ratio | 15.2775% | 4,217 |
| Memoranda: | ||
| Average total assets | $142,706,200 | 3,835 |
| Average earning assets | $132,339,400 | 3,792 |
| Average equity | $15,659,800 | 3,754 |
| Average total loans | $84,965,000 | 3,797 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 5,261 |
| Cost of funding earning assets | 0.1867% | 6,466 |
| Net interest margin | 3.4788% | 3,970 |
| Noninterest income to average assets | 0.3871% | 4,624 |
| Noninterest expense to average assets | 3.1241% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2791% | 5,678 |
| Return on assets (ROA) | 0.2791% | 5,790 |
| Pretax return on assets | 0.4848% | 5,398 |
| Return on Equity (ROE) | 2.5375% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.8113% | 5,231 |
| Net charge-offs to loans | 0.0130% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 64.4780% | 707 |
| Efficiency ratio | 79.2242% | 2,229 |
| Assets per employee ($millions) | 4.9321% | 2,258 |
| Cash dividends to net income (ytd only)* | 28.6194% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 3,585 |
| Loan loss allowance to noncurrent loans | 81.3814% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1253% | 3,402 |
| Noncurrent loans to loans | 1.8077% | 2,487 |
| Net loans and leases to total assets | 61.3340% | 3,471 |
| Net loans and leases to deposits | 68.9964% | 3,934 |
| Net loans and leases to core deposits | 70.9657% | 4,215 |
| Total domestic deposits to total assets | 88.8944% | 1,614 |
| Equity capital to assets | 10.7048% | 3,063 |
| Core capital (leverage) ratio | 9.9476% | 3,746 |
| Tier 1 risk-based capital ratio | 14.1015% | 4,355 |
| Total risk-based capital ratio | 15.3523% | 4,301 |
| Memoranda: | ||
| Average total assets | $141,902,250 | 3,889 |
| Average earning assets | $131,420,250 | 3,850 |
| Average equity | $15,605,750 | 3,811 |
| Average total loans | $82,012,000 | 3,912 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,538 |
| Cost of funding earning assets | 0.1931% | 6,511 |
| Net interest margin | 3.3737% | 4,291 |
| Noninterest income to average assets | 0.3817% | 4,659 |
| Noninterest expense to average assets | 3.1827% | 2,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1830% | 5,952 |
| Return on assets (ROA) | 0.1830% | 6,067 |
| Pretax return on assets | 0.3217% | 5,813 |
| Return on Equity (ROE) | 1.6486% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.9145% | 5,536 |
| Net charge-offs to loans | 0.0178% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 32.1429% | 1,100 |
| Efficiency ratio | 83.1497% | 1,738 |
| Assets per employee ($millions) | 5.0472% | 2,060 |
| Cash dividends to net income (ytd only)* | 44.5313% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5747% | 3,244 |
| Loan loss allowance to noncurrent loans | 72.2814% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 3,201 |
| Noncurrent loans to loans | 2.1785% | 2,203 |
| Net loans and leases to total assets | 57.9071% | 4,004 |
| Net loans and leases to deposits | 65.0324% | 4,370 |
| Net loans and leases to core deposits | 66.5693% | 4,633 |
| Total domestic deposits to total assets | 89.0434% | 1,606 |
| Equity capital to assets | 10.6484% | 3,123 |
| Core capital (leverage) ratio | 10.1965% | 3,236 |
| Tier 1 risk-based capital ratio | 14.4838% | 4,109 |
| Total risk-based capital ratio | 15.7357% | 4,070 |
| Memoranda: | ||
| Average total assets | $139,882,330 | 3,950 |
| Average earning assets | $129,474,000 | 3,915 |
| Average equity | $15,528,000 | 3,849 |
| Average total loans | $78,647,330 | 4,021 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4769% | 5,765 |
| Cost of funding earning assets | 0.2002% | 6,570 |
| Net interest margin | 3.2767% | 4,604 |
| Noninterest income to average assets | 0.4655% | 4,021 |
| Noninterest expense to average assets | 3.3431% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0761% | 6,196 |
| Return on assets (ROA) | 0.0761% | 6,285 |
| Pretax return on assets | 0.1405% | 6,191 |
| Return on Equity (ROE) | 0.6710% | 6,290 |
| Retained earnings to average equity (ytd only) | -0.0516% | 5,783 |
| Net charge-offs to loans | 0.0214% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 88.0672% | 1,324 |
| Assets per employee ($millions) | 4.6276% | 2,762 |
| Cash dividends to net income (ytd only)* | 107.6923% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,608 |
| Loan loss allowance to noncurrent loans | 50.8601% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 2.5341% | 1,812 |
| Noncurrent loans to loans | 3.5458% | 1,348 |
| Net loans and leases to total assets | 53.3419% | 4,510 |
| Net loans and leases to deposits | 60.1928% | 4,772 |
| Net loans and leases to core deposits | 61.5726% | 4,992 |
| Total domestic deposits to total assets | 88.6184% | 1,920 |
| Equity capital to assets | 11.1670% | 2,782 |
| Core capital (leverage) ratio | 10.3984% | 2,904 |
| Tier 1 risk-based capital ratio | 15.6450% | 3,453 |
| Total risk-based capital ratio | 16.8986% | 3,417 |
| Memoranda: | ||
| Average total assets | $136,639,000 | 4,048 |
| Average earning assets | $125,859,000 | 4,025 |
| Average equity | $15,499,000 | 3,904 |
| Average total loans | $74,914,000 | 4,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 5,203 |
| Cost of funding earning assets | 0.2859% | 6,519 |
| Net interest margin | 3.7512% | 3,429 |
| Noninterest income to average assets | 0.3653% | 4,867 |
| Noninterest expense to average assets | 3.2670% | 2,437 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1894% | 1,640 |
| Return on assets (ROA) | 1.1894% | 1,801 |
| Pretax return on assets | 0.5834% | 5,042 |
| Return on Equity (ROE) | 10.8388% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.0616% | 588 |
| Net charge-offs to loans | 0.5209% | 2,164 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.9871% | 4,422 |
| Efficiency ratio | 78.7730% | 2,314 |
| Assets per employee ($millions) | 4.6362% | 2,720 |
| Cash dividends to net income (ytd only)* | 7.1701% | 4,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 2,491 |
| Loan loss allowance to noncurrent loans | 72.5918% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 2.0253% | 2,418 |
| Noncurrent loans to loans | 2.5251% | 2,088 |
| Net loans and leases to total assets | 54.3329% | 4,576 |
| Net loans and leases to deposits | 61.5407% | 4,839 |
| Net loans and leases to core deposits | 62.8674% | 5,077 |
| Total domestic deposits to total assets | 88.2878% | 2,035 |
| Equity capital to assets | 11.5248% | 2,421 |
| Core capital (leverage) ratio | 10.4100% | 2,876 |
| Tier 1 risk-based capital ratio | 16.3600% | 2,957 |
| Total risk-based capital ratio | 17.6148% | 2,918 |
| Memoranda: | ||
| Average total assets | $132,505,000 | 4,097 |
| Average earning assets | $123,108,200 | 4,036 |
| Average equity | $14,540,400 | 4,057 |
| Average total loans | $74,685,600 | 4,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 5,243 |
| Cost of funding earning assets | 0.3134% | 6,544 |
| Net interest margin | 3.7720% | 3,457 |
| Noninterest income to average assets | 0.3666% | 4,897 |
| Noninterest expense to average assets | 3.0429% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8352% | 3,286 |
| Return on assets (ROA) | 0.8352% | 3,529 |
| Pretax return on assets | 0.8362% | 4,356 |
| Return on Equity (ROE) | 7.7098% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.9174% | 2,173 |
| Net charge-offs to loans | 0.6546% | 1,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 2.2561% | 4,134 |
| Efficiency ratio | 72.4030% | 3,248 |
| Assets per employee ($millions) | 5.0312% | 2,148 |
| Cash dividends to net income (ytd only)* | 10.2781% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,597 |
| Loan loss allowance to noncurrent loans | 627.1493% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.8053% | 4,693 |
| Noncurrent loans to loans | 0.2975% | 5,899 |
| Net loans and leases to total assets | 53.6568% | 4,802 |
| Net loans and leases to deposits | 60.2548% | 5,177 |
| Net loans and leases to core deposits | 62.2169% | 5,338 |
| Total domestic deposits to total assets | 89.0499% | 1,401 |
| Equity capital to assets | 10.8301% | 3,467 |
| Core capital (leverage) ratio | 10.1243% | 3,364 |
| Tier 1 risk-based capital ratio | 15.9136% | 3,312 |
| Total risk-based capital ratio | 17.1689% | 3,280 |
| Memoranda: | ||
| Average total assets | $132,019,000 | 4,133 |
| Average earning assets | $122,938,250 | 4,076 |
| Average equity | $14,301,750 | 4,142 |
| Average total loans | $74,753,500 | 4,235 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 5,085 |
| Cost of funding earning assets | 0.3370% | 6,566 |
| Net interest margin | 3.8221% | 3,258 |
| Noninterest income to average assets | 0.3778% | 4,813 |
| Noninterest expense to average assets | 3.1191% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8138% | 3,338 |
| Return on assets (ROA) | 0.8138% | 3,593 |
| Pretax return on assets | 0.8153% | 4,424 |
| Return on Equity (ROE) | 7.5115% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.7067% | 2,267 |
| Net charge-offs to loans | 0.9798% | 1,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.4523% | 4,272 |
| Efficiency ratio | 73.2504% | 3,202 |
| Assets per employee ($millions) | 4.9219% | 2,269 |
| Cash dividends to net income (ytd only)* | 10.7143% | 3,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 2,567 |
| Loan loss allowance to noncurrent loans | 618.3036% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 4,741 |
| Noncurrent loans to loans | 0.3069% | 5,943 |
| Net loans and leases to total assets | 53.8840% | 4,819 |
| Net loans and leases to deposits | 60.5198% | 5,193 |
| Net loans and leases to core deposits | 62.7675% | 5,325 |
| Total domestic deposits to total assets | 89.0354% | 1,475 |
| Equity capital to assets | 10.8623% | 3,277 |
| Core capital (leverage) ratio | 10.0873% | 3,292 |
| Tier 1 risk-based capital ratio | 15.6382% | 3,369 |
| Total risk-based capital ratio | 16.8930% | 3,326 |
| Memoranda: | ||
| Average total assets | $130,744,330 | 4,190 |
| Average earning assets | $121,660,000 | 4,133 |
| Average equity | $14,165,000 | 4,166 |
| Average total loans | $74,913,000 | 4,254 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 5,073 |
| Cost of funding earning assets | 0.3505% | 6,632 |
| Net interest margin | 3.8591% | 3,100 |
| Noninterest income to average assets | 0.3547% | 5,033 |
| Noninterest expense to average assets | 3.1834% | 2,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7712% | 3,521 |
| Return on assets (ROA) | 0.7712% | 3,756 |
| Pretax return on assets | 0.7712% | 4,524 |
| Return on Equity (ROE) | 7.1276% | 3,705 |
| Retained earnings to average equity (ytd only) | 7.1276% | 2,365 |
| Net charge-offs to loans | 1.6976% | 570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.7764% | 3,945 |
| Efficiency ratio | 74.4930% | 3,021 |
| Assets per employee ($millions) | 4.5172% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9197% | 2,617 |
| Loan loss allowance to noncurrent loans | 157.9470% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5023% | 3,606 |
| Noncurrent loans to loans | 1.2154% | 4,302 |
| Net loans and leases to total assets | 55.8115% | 4,420 |
| Net loans and leases to deposits | 62.6909% | 4,811 |
| Net loans and leases to core deposits | 65.0480% | 5,014 |
| Total domestic deposits to total assets | 89.0266% | 1,684 |
| Equity capital to assets | 10.8192% | 3,118 |
| Core capital (leverage) ratio | 10.0860% | 3,261 |
| Tier 1 risk-based capital ratio | 15.1528% | 3,651 |
| Total risk-based capital ratio | 16.4080% | 3,608 |
| Memoranda: | ||
| Average total assets | $129,671,000 | 4,238 |
| Average earning assets | $120,959,500 | 4,179 |
| Average equity | $14,030,000 | 4,194 |
| Average total loans | $75,873,500 | 4,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 5,637 |
| Cost of funding earning assets | 0.4914% | 6,571 |
| Net interest margin | 3.8469% | 3,585 |
| Noninterest income to average assets | 0.3514% | 4,991 |
| Noninterest expense to average assets | 3.0994% | 3,198 |
| Loan and lease loss provision to assets | 0.3913% | 2,643 |
| Net operating income to assets | 0.4360% | 4,706 |
| Return on assets (ROA) | 0.4360% | 4,910 |
| Pretax return on assets | 0.4368% | 5,183 |
| Return on Equity (ROE) | 4.3313% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.3313% | 3,102 |
| Net charge-offs to loans | 1.0666% | 1,618 |
| Credit loss provision to net charge-offs | 58.4726% | 5,210 |
| Earnings coverage of net charge-offs (x) | 1.2375% | 4,850 |
| Efficiency ratio | 73.7902% | 3,270 |
| Assets per employee ($millions) | 4.4257% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2706% | 1,674 |
| Loan loss allowance to noncurrent loans | 76.8186% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 3,285 |
| Noncurrent loans to loans | 2.9558% | 2,199 |
| Net loans and leases to total assets | 58.7881% | 4,230 |
| Net loans and leases to deposits | 66.0120% | 4,729 |
| Net loans and leases to core deposits | 68.8553% | 4,924 |
| Total domestic deposits to total assets | 89.0568% | 1,503 |
| Equity capital to assets | 10.8201% | 3,170 |
| Core capital (leverage) ratio | 10.0119% | 3,329 |
| Tier 1 risk-based capital ratio | 14.7373% | 3,803 |
| Total risk-based capital ratio | 15.9973% | 3,771 |
| Memoranda: | ||
| Average total assets | $125,218,000 | 4,269 |
| Average earning assets | $116,405,200 | 4,225 |
| Average equity | $12,606,000 | 4,416 |
| Average total loans | $78,563,800 | 4,188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4455% | 5,443 |
| Cost of funding earning assets | 0.5268% | 6,593 |
| Net interest margin | 3.9187% | 3,287 |
| Noninterest income to average assets | 0.3568% | 5,008 |
| Noninterest expense to average assets | 3.1437% | 3,012 |
| Loan and lease loss provision to assets | 0.5250% | 1,883 |
| Net operating income to assets | 0.3214% | 5,318 |
| Return on assets (ROA) | 0.3214% | 5,490 |
| Pretax return on assets | 0.3225% | 5,658 |
| Return on Equity (ROE) | 3.2557% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.2557% | 4,402 |
| Net charge-offs to loans | 1.1068% | 1,435 |
| Credit loss provision to net charge-offs | 74.8092% | 4,325 |
| Earnings coverage of net charge-offs (x) | 1.2076% | 4,721 |
| Efficiency ratio | 73.6913% | 3,240 |
| Assets per employee ($millions) | 4.4677% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6650% | 1,171 |
| Loan loss allowance to noncurrent loans | 42.6526% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.6284% | 1,733 |
| Noncurrent loans to loans | 6.2482% | 868 |
| Net loans and leases to total assets | 56.5242% | 4,758 |
| Net loans and leases to deposits | 62.8955% | 5,305 |
| Net loans and leases to core deposits | 65.4986% | 5,467 |
| Total domestic deposits to total assets | 89.8701% | 939 |
| Equity capital to assets | 9.9468% | 4,415 |
| Core capital (leverage) ratio | 8.7707% | 5,310 |
| Tier 1 risk-based capital ratio | 13.5683% | 4,688 |
| Total risk-based capital ratio | 14.8322% | 4,642 |
| Memoranda: | ||
| Average total assets | $124,436,500 | 4,304 |
| Average earning assets | $115,409,000 | 4,267 |
| Average equity | $12,285,750 | 4,491 |
| Average total loans | $78,903,750 | 4,209 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 5,207 |
| Cost of funding earning assets | 0.5647% | 6,605 |
| Net interest margin | 3.9772% | 2,957 |
| Noninterest income to average assets | 0.3542% | 5,054 |
| Noninterest expense to average assets | 3.2073% | 2,870 |
| Loan and lease loss provision to assets | 0.5635% | 1,717 |
| Net operating income to assets | 0.2673% | 5,493 |
| Return on assets (ROA) | 0.2673% | 5,618 |
| Pretax return on assets | 0.2689% | 5,751 |
| Return on Equity (ROE) | 2.7139% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.7139% | 4,560 |
| Net charge-offs to loans | 1.6150% | 906 |
| Credit loss provision to net charge-offs | 53.5168% | 4,498 |
| Earnings coverage of net charge-offs (x) | 0.7905% | 4,705 |
| Efficiency ratio | 74.3723% | 3,299 |
| Assets per employee ($millions) | 4.3049% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3031% | 1,735 |
| Loan loss allowance to noncurrent loans | 43.4688% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 3.3114% | 2,011 |
| Noncurrent loans to loans | 5.2983% | 1,215 |
| Net loans and leases to total assets | 61.0591% | 4,076 |
| Net loans and leases to deposits | 67.8197% | 4,733 |
| Net loans and leases to core deposits | 71.0340% | 4,949 |
| Total domestic deposits to total assets | 90.0315% | 958 |
| Equity capital to assets | 9.8764% | 4,299 |
| Core capital (leverage) ratio | 8.7943% | 5,057 |
| Tier 1 risk-based capital ratio | 12.7456% | 5,133 |
| Total risk-based capital ratio | 14.0067% | 5,095 |
| Memoranda: | ||
| Average total assets | $124,217,000 | 4,341 |
| Average earning assets | $115,107,330 | 4,301 |
| Average equity | $12,233,330 | 4,498 |
| Average total loans | $80,990,000 | 4,182 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 5,105 |
| Cost of funding earning assets | 0.6069% | 6,588 |
| Net interest margin | 3.9585% | 2,876 |
| Noninterest income to average assets | 0.3487% | 5,116 |
| Noninterest expense to average assets | 3.2380% | 2,743 |
| Loan and lease loss provision to assets | 0.5650% | 1,528 |
| Net operating income to assets | 0.2098% | 5,758 |
| Return on assets (ROA) | 0.2098% | 5,817 |
| Pretax return on assets | 0.2098% | 5,917 |
| Return on Equity (ROE) | 2.1338% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.1338% | 4,861 |
| Net charge-offs to loans | 0.2134% | 3,235 |
| Credit loss provision to net charge-offs | 397.7273% | 842 |
| Earnings coverage of net charge-offs (x) | 5.4545% | 2,278 |
| Efficiency ratio | 75.6235% | 3,219 |
| Assets per employee ($millions) | 4.1297% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8217% | 1,092 |
| Loan loss allowance to noncurrent loans | 38.4298% | 5,733 |
| Noncurrent assets plus other real estate owned to assets | 4.6880% | 1,361 |
| Noncurrent loans to loans | 7.3426% | 718 |
| Net loans and leases to total assets | 62.0449% | 3,849 |
| Net loans and leases to deposits | 68.9121% | 4,539 |
| Net loans and leases to core deposits | 72.3287% | 4,744 |
| Total domestic deposits to total assets | 90.0348% | 1,133 |
| Equity capital to assets | 9.8643% | 3,948 |
| Core capital (leverage) ratio | 8.5741% | 5,305 |
| Tier 1 risk-based capital ratio | 12.6133% | 5,154 |
| Total risk-based capital ratio | 13.8804% | 5,114 |
| Memoranda: | ||
| Average total assets | $123,904,000 | 4,375 |
| Average earning assets | $114,689,500 | 4,331 |
| Average equity | $12,185,000 | 4,510 |
| Average total loans | $82,472,500 | 4,180 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 3,770 |
| Cost of funding earning assets | 0.7621% | 6,699 |
| Net interest margin | 4.4041% | 1,453 |
| Noninterest income to average assets | 0.8107% | 2,227 |
| Noninterest expense to average assets | 3.4827% | 2,226 |
| Loan and lease loss provision to assets | 1.6316% | 885 |
| Net operating income to assets | -0.2469% | 6,156 |
| Return on assets (ROA) | -0.2469% | 6,215 |
| Pretax return on assets | -0.2460% | 6,122 |
| Return on Equity (ROE) | -2.3184% | 6,208 |
| Retained earnings to average equity (ytd only) | -3.2249% | 6,119 |
| Net charge-offs to loans | 1.3825% | 1,615 |
| Credit loss provision to net charge-offs | 165.7986% | 2,066 |
| Earnings coverage of net charge-offs (x) | 1.4080% | 4,708 |
| Efficiency ratio | 61.2564% | 5,853 |
| Assets per employee ($millions) | 4.1306% | 3,511 |
| Cash dividends to net income (ytd only)* | -39.1003% | 7,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 1,484 |
| Loan loss allowance to noncurrent loans | 60.8986% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 2.7841% | 2,510 |
| Noncurrent loans to loans | 4.0189% | 1,803 |
| Net loans and leases to total assets | 67.5807% | 3,081 |
| Net loans and leases to deposits | 75.0320% | 4,018 |
| Net loans and leases to core deposits | 79.1157% | 4,330 |
| Total domestic deposits to total assets | 90.0692% | 1,058 |
| Equity capital to assets | 9.8041% | 3,994 |
| Core capital (leverage) ratio | 8.5813% | 5,221 |
| Tier 1 risk-based capital ratio | 11.7154% | 5,716 |
| Total risk-based capital ratio | 12.9790% | 5,707 |
| Memoranda: | ||
| Average total assets | $117,064,000 | 4,551 |
| Average earning assets | $107,854,200 | 4,515 |
| Average equity | $12,465,600 | 4,489 |
| Average total loans | $83,328,200 | 4,231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2480% | 3,589 |
| Cost of funding earning assets | 0.7947% | 6,783 |
| Net interest margin | 4.4532% | 1,365 |
| Noninterest income to average assets | 0.9582% | 1,595 |
| Noninterest expense to average assets | 3.4514% | 2,157 |
| Loan and lease loss provision to assets | 1.9407% | 622 |
| Net operating income to assets | -0.3352% | 6,462 |
| Return on assets (ROA) | -0.3352% | 6,510 |
| Pretax return on assets | -0.3341% | 6,438 |
| Return on Equity (ROE) | -3.0822% | 6,498 |
| Retained earnings to average equity (ytd only) | -3.9857% | 6,464 |
| Net charge-offs to loans | 1.8460% | 1,043 |
| Credit loss provision to net charge-offs | 146.6376% | 2,681 |
| Earnings coverage of net charge-offs (x) | 1.2140% | 4,848 |
| Efficiency ratio | 58.2038% | 6,240 |
| Assets per employee ($millions) | 4.1385% | 3,577 |
| Cash dividends to net income (ytd only)* | -29.3100% | 7,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2242% | 1,752 |
| Loan loss allowance to noncurrent loans | 128.1229% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 1.2207% | 4,710 |
| Noncurrent loans to loans | 1.7360% | 4,041 |
| Net loans and leases to total assets | 68.7517% | 3,043 |
| Net loans and leases to deposits | 76.5704% | 4,078 |
| Net loans and leases to core deposits | 80.6863% | 4,422 |
| Total domestic deposits to total assets | 89.7889% | 974 |
| Equity capital to assets | 10.1336% | 3,969 |
| Core capital (leverage) ratio | 8.8669% | 4,898 |
| Tier 1 risk-based capital ratio | 11.9118% | 5,543 |
| Total risk-based capital ratio | 13.1729% | 5,507 |
| Memoranda: | ||
| Average total assets | $115,350,750 | 4,649 |
| Average earning assets | $106,197,250 | 4,611 |
| Average equity | $12,544,750 | 4,539 |
| Average total loans | $82,699,000 | 4,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 3,436 |
| Cost of funding earning assets | 0.8253% | 6,834 |
| Net interest margin | 4.4827% | 1,240 |
| Noninterest income to average assets | 1.2584% | 813 |
| Noninterest expense to average assets | 3.4729% | 2,090 |
| Loan and lease loss provision to assets | 1.3674% | 988 |
| Net operating income to assets | 0.5308% | 4,193 |
| Return on assets (ROA) | 0.5308% | 4,348 |
| Pretax return on assets | 0.5325% | 4,801 |
| Return on Equity (ROE) | 4.7663% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.8825% | 3,617 |
| Net charge-offs to loans | 2.6542% | 627 |
| Credit loss provision to net charge-offs | 71.3761% | 4,933 |
| Earnings coverage of net charge-offs (x) | 0.9917% | 4,793 |
| Efficiency ratio | 55.0540% | 6,754 |
| Assets per employee ($millions) | 4.2735% | 3,265 |
| Cash dividends to net income (ytd only)* | 18.5430% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 5,149 |
| Loan loss allowance to noncurrent loans | 669.4805% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 7,055 |
| Noncurrent loans to loans | 0.1875% | 6,876 |
| Net loans and leases to total assets | 70.2899% | 2,842 |
| Net loans and leases to deposits | 79.0880% | 3,779 |
| Net loans and leases to core deposits | 83.0856% | 4,272 |
| Total domestic deposits to total assets | 88.8755% | 1,504 |
| Equity capital to assets | 11.0768% | 2,787 |
| Core capital (leverage) ratio | 9.5930% | 3,683 |
| Tier 1 risk-based capital ratio | 12.7356% | 4,660 |
| Total risk-based capital ratio | 13.9742% | 4,640 |
| Memoranda: | ||
| Average total assets | $113,795,670 | 4,709 |
| Average earning assets | $104,447,000 | 4,683 |
| Average equity | $12,672,330 | 4,506 |
| Average total loans | $82,135,330 | 4,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 3,522 |
| Cost of funding earning assets | 0.8675% | 6,881 |
| Net interest margin | 4.4376% | 1,276 |
| Noninterest income to average assets | 2.1380% | 311 |
| Noninterest expense to average assets | 3.6495% | 1,617 |
| Loan and lease loss provision to assets | 1.8549% | 607 |
| Net operating income to assets | 0.7080% | 3,406 |
| Return on assets (ROA) | 0.7080% | 3,514 |
| Pretax return on assets | 0.7080% | 4,203 |
| Return on Equity (ROE) | 6.3401% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.4525% | 2,899 |
| Net charge-offs to loans | 0.1071% | 4,355 |
| Credit loss provision to net charge-offs | 2,381.8182% | 218 |
| Earnings coverage of net charge-offs (x) | 32.9091% | 815 |
| Efficiency ratio | 50.3704% | 7,287 |
| Assets per employee ($millions) | 4.2056% | 3,446 |
| Cash dividends to net income (ytd only)* | 14.0000% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 1,680 |
| Loan loss allowance to noncurrent loans | 64.0625% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 2.5363% | 2,865 |
| Noncurrent loans to loans | 3.4944% | 2,282 |
| Net loans and leases to total assets | 70.9582% | 2,708 |
| Net loans and leases to deposits | 79.9692% | 3,662 |
| Net loans and leases to core deposits | 83.8490% | 4,222 |
| Total domestic deposits to total assets | 88.7318% | 1,657 |
| Equity capital to assets | 11.1880% | 2,599 |
| Core capital (leverage) ratio | 9.6063% | 3,635 |
| Tier 1 risk-based capital ratio | 12.6048% | 4,642 |
| Total risk-based capital ratio | 13.8674% | 4,591 |
| Memoranda: | ||
| Average total assets | $113,001,000 | 4,797 |
| Average earning assets | $103,750,000 | 4,761 |
| Average equity | $12,618,000 | 4,560 |
| Average total loans | $82,135,500 | 4,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 5,639 |
| Cost of funding earning assets | 1.1108% | 6,938 |
| Net interest margin | 4.0914% | 2,496 |
| Noninterest income to average assets | 0.3442% | 5,628 |
| Noninterest expense to average assets | 4.5278% | 778 |
| Loan and lease loss provision to assets | 1.1866% | 1,941 |
| Net operating income to assets | -1.6547% | 6,937 |
| Return on assets (ROA) | -1.6547% | 6,941 |
| Pretax return on assets | -1.6538% | 6,790 |
| Return on Equity (ROE) | -13.9638% | 6,874 |
| Retained earnings to average equity (ytd only) | -14.6555% | 6,867 |
| Net charge-offs to loans | 1.3744% | 1,824 |
| Credit loss provision to net charge-offs | 124.2135% | 4,228 |
| Earnings coverage of net charge-offs (x) | -0.4890% | 6,685 |
| Efficiency ratio | 86.3647% | 2,069 |
| Assets per employee ($millions) | 3.2129% | 5,694 |
| Cash dividends to net income (ytd only)* | -4.9532% | 7,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 3,121 |
| Loan loss allowance to noncurrent loans | 101.2057% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 1.1801% | 4,740 |
| Noncurrent loans to loans | 1.6212% | 4,215 |
| Net loans and leases to total assets | 71.5950% | 2,863 |
| Net loans and leases to deposits | 80.7895% | 3,840 |
| Net loans and leases to core deposits | 102.9974% | 3,688 |
| Total domestic deposits to total assets | 88.6191% | 1,669 |
| Equity capital to assets | 11.1443% | 2,587 |
| Core capital (leverage) ratio | 9.1793% | 4,153 |
| Tier 1 risk-based capital ratio | 12.2791% | 4,706 |
| Total risk-based capital ratio | 13.5341% | 4,665 |
| Memoranda: | ||
| Average total assets | $109,810,800 | 4,825 |
| Average earning assets | $99,744,800 | 4,849 |
| Average equity | $13,012,200 | 4,508 |
| Average total loans | $76,322,200 | 4,643 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 6,098 |
| Cost of funding earning assets | 1.1577% | 7,013 |
| Net interest margin | 3.9953% | 2,844 |
| Noninterest income to average assets | 0.3371% | 5,793 |
| Noninterest expense to average assets | 3.9553% | 1,339 |
| Loan and lease loss provision to assets | 1.5526% | 1,225 |
| Net operating income to assets | -1.5538% | 7,138 |
| Return on assets (ROA) | -1.5538% | 7,135 |
| Pretax return on assets | -1.5538% | 6,991 |
| Return on Equity (ROE) | -12.9145% | 7,069 |
| Retained earnings to average equity (ytd only) | -13.5439% | 7,045 |
| Net charge-offs to loans | 1.8165% | 1,114 |
| Credit loss provision to net charge-offs | 124.4858% | 4,048 |
| Earnings coverage of net charge-offs (x) | -0.0010% | 6,065 |
| Efficiency ratio | 86.2836% | 2,031 |
| Assets per employee ($millions) | 3.4017% | 5,162 |
| Cash dividends to net income (ytd only)* | -4.8739% | 7,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 2,771 |
| Loan loss allowance to noncurrent loans | 112.4265% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 4,957 |
| Noncurrent loans to loans | 1.4764% | 4,462 |
| Net loans and leases to total assets | 70.6682% | 3,346 |
| Net loans and leases to deposits | 80.3073% | 4,338 |
| Net loans and leases to core deposits | 102.0702% | 4,148 |
| Total domestic deposits to total assets | 87.9972% | 1,655 |
| Equity capital to assets | 11.6679% | 2,457 |
| Core capital (leverage) ratio | 9.3753% | 4,080 |
| Tier 1 risk-based capital ratio | 12.5997% | 4,471 |
| Total risk-based capital ratio | 13.8544% | 4,419 |
| Memoranda: | ||
| Average total assets | $109,150,500 | 4,879 |
| Average earning assets | $98,812,500 | 4,895 |
| Average equity | $13,132,250 | 4,504 |
| Average total loans | $74,939,500 | 4,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1350% | 6,297 |
| Cost of funding earning assets | 1.1962% | 7,116 |
| Net interest margin | 3.9388% | 2,930 |
| Noninterest income to average assets | 0.3293% | 5,876 |
| Noninterest expense to average assets | 3.9791% | 1,350 |
| Loan and lease loss provision to assets | 1.7444% | 957 |
| Net operating income to assets | -1.8369% | 7,380 |
| Return on assets (ROA) | -1.8369% | 7,374 |
| Pretax return on assets | -1.8369% | 7,229 |
| Return on Equity (ROE) | -15.1099% | 7,334 |
| Retained earnings to average equity (ytd only) | -15.6121% | 7,275 |
| Net charge-offs to loans | 2.4867% | 698 |
| Credit loss provision to net charge-offs | 103.8546% | 4,421 |
| Earnings coverage of net charge-offs (x) | -0.0551% | 5,751 |
| Efficiency ratio | 88.2913% | 1,977 |
| Assets per employee ($millions) | 3.2057% | 5,572 |
| Cash dividends to net income (ytd only)* | -3.3233% | 7,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5247% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,539.7260% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 7,429 |
| Noncurrent loans to loans | 0.0990% | 7,280 |
| Net loans and leases to total assets | 64.7029% | 4,837 |
| Net loans and leases to deposits | 73.6776% | 5,501 |
| Net loans and leases to core deposits | 91.5414% | 5,393 |
| Total domestic deposits to total assets | 87.8190% | 1,855 |
| Equity capital to assets | 11.9484% | 2,234 |
| Core capital (leverage) ratio | 9.8179% | 3,494 |
| Tier 1 risk-based capital ratio | 13.5870% | 3,767 |
| Total risk-based capital ratio | 14.8399% | 3,690 |
| Memoranda: | ||
| Average total assets | $108,115,000 | 4,937 |
| Average earning assets | $97,643,670 | 4,963 |
| Average equity | $13,143,670 | 4,510 |
| Average total loans | $73,029,670 | 4,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 6,633 |
| Cost of funding earning assets | 1.2246% | 7,239 |
| Net interest margin | 3.8794% | 3,136 |
| Noninterest income to average assets | 0.3318% | 5,791 |
| Noninterest expense to average assets | 3.9143% | 1,289 |
| Loan and lease loss provision to assets | 2.8282% | 394 |
| Net operating income to assets | -2.9225% | 7,831 |
| Return on assets (ROA) | -2.9225% | 7,834 |
| Pretax return on assets | -2.9225% | 7,736 |
| Return on Equity (ROE) | -23.8232% | 7,823 |
| Retained earnings to average equity (ytd only) | -23.8232% | 7,740 |
| Net charge-offs to loans | 0.1376% | 3,862 |
| Credit loss provision to net charge-offs | 3,000.0000% | 208 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 5,358 |
| Efficiency ratio | 87.8578% | 1,908 |
| Assets per employee ($millions) | 3.0817% | 5,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2940% | 955 |
| Loan loss allowance to noncurrent loans | 474.8691% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 6,454 |
| Noncurrent loans to loans | 0.4831% | 6,220 |
| Net loans and leases to total assets | 71.6333% | 3,316 |
| Net loans and leases to deposits | 82.0768% | 4,272 |
| Net loans and leases to core deposits | 99.0716% | 4,634 |
| Total domestic deposits to total assets | 87.2760% | 2,080 |
| Equity capital to assets | 12.6619% | 1,902 |
| Core capital (leverage) ratio | 10.4402% | 2,994 |
| Tier 1 risk-based capital ratio | 13.2818% | 4,003 |
| Total risk-based capital ratio | 14.5444% | 3,916 |
| Memoranda: | ||
| Average total assets | $106,073,000 | 5,003 |
| Average earning assets | $95,374,500 | 5,046 |
| Average equity | $13,012,500 | 4,573 |
| Average total loans | $72,684,500 | 4,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6411% | 6,954 |
| Cost of funding earning assets | 1.6013% | 7,446 |
| Net interest margin | 4.0398% | 2,940 |
| Noninterest income to average assets | 0.2697% | 6,524 |
| Noninterest expense to average assets | 3.6263% | 2,084 |
| Loan and lease loss provision to assets | 0.5028% | 2,799 |
| Net operating income to assets | -0.1648% | 6,578 |
| Return on assets (ROA) | -0.1548% | 6,410 |
| Pretax return on assets | -0.1532% | 6,328 |
| Return on Equity (ROE) | -0.8536% | 6,343 |
| Retained earnings to average equity (ytd only) | -0.8536% | 5,553 |
| Net charge-offs to loans | 0.4019% | 2,802 |
| Credit loss provision to net charge-offs | 202.6846% | 2,399 |
| Earnings coverage of net charge-offs (x) | 1.3691% | 5,442 |
| Efficiency ratio | 88.7070% | 1,613 |
| Assets per employee ($millions) | 3.0673% | 5,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6427% | 2,091 |
| Loan loss allowance to noncurrent loans | 999.0826% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1045% | 7,162 |
| Noncurrent loans to loans | 0.1644% | 6,906 |
| Net loans and leases to total assets | 62.5227% | 5,533 |
| Net loans and leases to deposits | 70.9955% | 6,168 |
| Net loans and leases to core deposits | 83.6483% | 6,326 |
| Total domestic deposits to total assets | 88.0656% | 1,445 |
| Equity capital to assets | 11.8596% | 2,382 |
| Core capital (leverage) ratio | 10.4212% | 3,052 |
| Tier 1 risk-based capital ratio | 13.4544% | 3,850 |
| Total risk-based capital ratio | 14.7085% | 3,744 |
| Memoranda: | ||
| Average total assets | $60,060,800 | 6,383 |
| Average earning assets | $54,953,800 | 6,372 |
| Average equity | $10,894,600 | 5,154 |
| Average total loans | $37,078,400 | 6,311 |