Home > Patriot Bank > Performance and Condition Ratios
Patriot 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 | 4.9578% | 670 |
| Cost of funding earning assets | 0.8029% | 571 |
| Net interest margin | 4.1549% | 1,267 |
| Noninterest income to average assets | 0.1351% | 5,332 |
| Noninterest expense to average assets | 1.5234% | 5,501 |
| Loan and lease loss provision to assets | 0.1807% | 1,106 |
| Net operating income to assets | 2.3984% | 157 |
| Return on assets (ROA) | 2.3984% | 158 |
| Pretax return on assets | 2.3984% | 257 |
| Return on Equity (ROE) | 22.1720% | 136 |
| Retained earnings to average equity (ytd only) | 13.7678% | 168 |
| Net charge-offs to loans | 0.0943% | 1,850 |
| Credit loss provision to net charge-offs | 208.5308% | 1,307 |
| Earnings coverage of net charge-offs (x) | 29.7674% | 1,561 |
| Efficiency ratio | 37.1334% | 5,626 |
| Assets per employee ($millions) | 12.2190% | 171 |
| Cash dividends to net income (ytd only)* | 37.9045% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,310 |
| Loan loss allowance to noncurrent loans | 482.1641% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2549% | 4,037 |
| Noncurrent loans to loans | 0.2719% | 3,981 |
| Net loans and leases to total assets | 92.5232% | 25 |
| Net loans and leases to deposits | 109.9087% | 272 |
| Net loans and leases to core deposits | 197.7103% | 43 |
| Total domestic deposits to total assets | 84.1818% | 3,052 |
| Equity capital to assets | 11.2339% | 2,634 |
| Core capital (leverage) ratio | 10.2682% | 3,234 |
| Tier 1 risk-based capital ratio | 10.4737% | 5,457 |
| Total risk-based capital ratio | 11.7158% | 5,397 |
| Memoranda: | ||
| Average total assets | $324,712,750 | 2,056 |
| Average earning assets | $310,050,750 | 2,001 |
| Average equity | $35,124,500 | 2,078 |
| Average total loans | $298,297,500 | 1,588 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 796 |
| Cost of funding earning assets | 0.7219% | 790 |
| Net interest margin | 4.1131% | 1,293 |
| Noninterest income to average assets | 0.1313% | 5,396 |
| Noninterest expense to average assets | 1.5072% | 5,559 |
| Loan and lease loss provision to assets | 0.2570% | 646 |
| Net operating income to assets | 2.2936% | 183 |
| Return on assets (ROA) | 2.2936% | 182 |
| Pretax return on assets | 2.2936% | 304 |
| Return on Equity (ROE) | 21.4857% | 157 |
| Retained earnings to average equity (ytd only) | 8.6430% | 956 |
| Net charge-offs to loans | 0.1432% | 1,295 |
| Credit loss provision to net charge-offs | 196.6825% | 1,291 |
| Earnings coverage of net charge-offs (x) | 19.5213% | 1,828 |
| Efficiency ratio | 37.1433% | 5,679 |
| Assets per employee ($millions) | 12.3822% | 161 |
| Cash dividends to net income (ytd only)* | 59.7732% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,832 |
| Loan loss allowance to noncurrent loans | 464.2857% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 4,126 |
| Noncurrent loans to loans | 0.2649% | 4,092 |
| Net loans and leases to total assets | 93.3470% | 15 |
| Net loans and leases to deposits | 112.1551% | 221 |
| Net loans and leases to core deposits | 200.0099% | 45 |
| Total domestic deposits to total assets | 83.2303% | 3,491 |
| Equity capital to assets | 10.0735% | 3,825 |
| Core capital (leverage) ratio | 9.6855% | 3,907 |
| Tier 1 risk-based capital ratio | 9.4491% | 5,713 |
| Total risk-based capital ratio | 10.6370% | 5,708 |
| Memoranda: | ||
| Average total assets | $322,979,670 | 2,067 |
| Average earning assets | $308,334,000 | 2,010 |
| Average equity | $34,478,670 | 2,113 |
| Average total loans | $294,630,000 | 1,604 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 839 |
| Cost of funding earning assets | 0.6711% | 973 |
| Net interest margin | 4.0844% | 1,253 |
| Noninterest income to average assets | 0.1209% | 5,507 |
| Noninterest expense to average assets | 1.6315% | 5,534 |
| Loan and lease loss provision to assets | 0.2764% | 519 |
| Net operating income to assets | 2.1098% | 256 |
| Return on assets (ROA) | 2.1098% | 263 |
| Pretax return on assets | 2.1098% | 403 |
| Return on Equity (ROE) | 19.1619% | 275 |
| Retained earnings to average equity (ytd only) | 19.1619% | 123 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6080% | 5,680 |
| Assets per employee ($millions) | 11.4278% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 2,048 |
| Loan loss allowance to noncurrent loans | 363.3993% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,812 |
| Noncurrent loans to loans | 0.3865% | 3,721 |
| Net loans and leases to total assets | 88.6445% | 93 |
| Net loans and leases to deposits | 104.4157% | 384 |
| Net loans and leases to core deposits | 219.2961% | 37 |
| Total domestic deposits to total assets | 84.8958% | 3,128 |
| Equity capital to assets | 10.9620% | 2,670 |
| Core capital (leverage) ratio | 10.3877% | 3,022 |
| Tier 1 risk-based capital ratio | 10.3762% | 5,599 |
| Total risk-based capital ratio | 11.6268% | 5,523 |
| Memoranda: | ||
| Average total assets | $311,118,500 | 2,147 |
| Average earning assets | $296,837,500 | 2,090 |
| Average equity | $34,255,500 | 2,129 |
| Average total loans | $278,112,000 | 1,687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 839 |
| Cost of funding earning assets | 0.6370% | 1,128 |
| Net interest margin | 4.1909% | 1,147 |
| Noninterest income to average assets | 0.2449% | 4,958 |
| Noninterest expense to average assets | 1.6438% | 5,609 |
| Loan and lease loss provision to assets | 0.3794% | 425 |
| Net operating income to assets | 2.1937% | 229 |
| Return on assets (ROA) | 2.1937% | 239 |
| Pretax return on assets | 2.1937% | 331 |
| Return on Equity (ROE) | 19.8570% | 217 |
| Retained earnings to average equity (ytd only) | 15.6328% | 90 |
| Net charge-offs to loans | 0.0151% | 3,792 |
| Credit loss provision to net charge-offs | 2,797.2973% | 149 |
| Earnings coverage of net charge-offs (x) | 189.7027% | 354 |
| Efficiency ratio | 38.9811% | 5,796 |
| Assets per employee ($millions) | 11.6254% | 190 |
| Cash dividends to net income (ytd only)* | 21.2734% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,983 |
| Loan loss allowance to noncurrent loans | 185.3682% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 2,664 |
| Noncurrent loans to loans | 0.7686% | 2,610 |
| Net loans and leases to total assets | 87.5786% | 145 |
| Net loans and leases to deposits | 99.6244% | 691 |
| Net loans and leases to core deposits | 194.8827% | 41 |
| Total domestic deposits to total assets | 87.9088% | 1,675 |
| Equity capital to assets | 11.0617% | 2,576 |
| Core capital (leverage) ratio | 10.0286% | 3,450 |
| Tier 1 risk-based capital ratio | 10.6098% | 5,523 |
| Total risk-based capital ratio | 11.8607% | 5,446 |
| Memoranda: | ||
| Average total assets | $272,781,400 | 2,340 |
| Average earning assets | $258,536,800 | 2,290 |
| Average equity | $30,135,400 | 2,340 |
| Average total loans | $245,814,000 | 1,817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,024 |
| Cost of funding earning assets | 0.6221% | 1,191 |
| Net interest margin | 4.1038% | 1,376 |
| Noninterest income to average assets | 0.2793% | 4,771 |
| Noninterest expense to average assets | 1.6552% | 5,639 |
| Loan and lease loss provision to assets | 0.3918% | 377 |
| Net operating income to assets | 2.1164% | 285 |
| Return on assets (ROA) | 2.1164% | 295 |
| Pretax return on assets | 2.1164% | 450 |
| Return on Equity (ROE) | 19.1644% | 282 |
| Retained earnings to average equity (ytd only) | 13.3692% | 203 |
| Net charge-offs to loans | 0.0278% | 3,112 |
| Credit loss provision to net charge-offs | 1,560.0000% | 297 |
| Earnings coverage of net charge-offs (x) | 99.8526% | 658 |
| Efficiency ratio | 39.7563% | 5,837 |
| Assets per employee ($millions) | 12.2893% | 157 |
| Cash dividends to net income (ytd only)* | 30.2397% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,630 |
| Loan loss allowance to noncurrent loans | 3,668.0412% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 5,358 |
| Noncurrent loans to loans | 0.0357% | 5,230 |
| Net loans and leases to total assets | 90.8348% | 54 |
| Net loans and leases to deposits | 114.2069% | 181 |
| Net loans and leases to core deposits | 206.2480% | 41 |
| Total domestic deposits to total assets | 79.5353% | 4,610 |
| Equity capital to assets | 10.7353% | 3,328 |
| Core capital (leverage) ratio | 10.2514% | 3,279 |
| Tier 1 risk-based capital ratio | 10.0362% | 5,784 |
| Total risk-based capital ratio | 11.2763% | 5,739 |
| Memoranda: | ||
| Average total assets | $265,411,750 | 2,399 |
| Average earning assets | $251,206,000 | 2,363 |
| Average equity | $29,310,500 | 2,426 |
| Average total loans | $240,132,250 | 1,851 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6767% | 1,099 |
| Cost of funding earning assets | 0.6124% | 1,231 |
| Net interest margin | 4.0643% | 1,463 |
| Noninterest income to average assets | 0.3420% | 4,333 |
| Noninterest expense to average assets | 1.7123% | 5,681 |
| Loan and lease loss provision to assets | 0.3874% | 399 |
| Net operating income to assets | 2.0855% | 292 |
| Return on assets (ROA) | 2.0855% | 305 |
| Pretax return on assets | 2.0855% | 481 |
| Return on Equity (ROE) | 18.6845% | 315 |
| Retained earnings to average equity (ytd only) | 9.7524% | 651 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9125% | 5,890 |
| Assets per employee ($millions) | 12.1213% | 154 |
| Cash dividends to net income (ytd only)* | 47.8049% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,607 |
| Loan loss allowance to noncurrent loans | 2,993.6937% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,420 |
| Noncurrent loans to loans | 0.0445% | 5,282 |
| Net loans and leases to total assets | 88.2592% | 128 |
| Net loans and leases to deposits | 99.6925% | 717 |
| Net loans and leases to core deposits | 183.1558% | 56 |
| Total domestic deposits to total assets | 88.5315% | 1,152 |
| Equity capital to assets | 10.4434% | 3,702 |
| Core capital (leverage) ratio | 10.0364% | 3,525 |
| Tier 1 risk-based capital ratio | 10.0536% | 5,838 |
| Total risk-based capital ratio | 11.3038% | 5,777 |
| Memoranda: | ||
| Average total assets | $255,568,330 | 2,482 |
| Average earning assets | $241,664,670 | 2,441 |
| Average equity | $28,526,330 | 2,494 |
| Average total loans | $229,687,000 | 1,915 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6397% | 1,164 |
| Cost of funding earning assets | 0.5995% | 1,341 |
| Net interest margin | 4.0402% | 1,505 |
| Noninterest income to average assets | 0.1279% | 5,706 |
| Noninterest expense to average assets | 1.7987% | 5,653 |
| Loan and lease loss provision to assets | 0.4755% | 267 |
| Net operating income to assets | 1.6659% | 619 |
| Return on assets (ROA) | 1.6659% | 655 |
| Pretax return on assets | 1.6659% | 1,139 |
| Return on Equity (ROE) | 14.3950% | 763 |
| Retained earnings to average equity (ytd only) | 14.3950% | 291 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6513% | 5,824 |
| Assets per employee ($millions) | 12.7132% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 3,198 |
| Loan loss allowance to noncurrent loans | 2,711.3043% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,453 |
| Noncurrent loans to loans | 0.0461% | 5,307 |
| Net loans and leases to total assets | 92.3338% | 26 |
| Net loans and leases to deposits | 112.4189% | 176 |
| Net loans and leases to core deposits | 158.1926% | 88 |
| Total domestic deposits to total assets | 82.1337% | 4,181 |
| Equity capital to assets | 10.7650% | 3,190 |
| Core capital (leverage) ratio | 10.9835% | 2,418 |
| Tier 1 risk-based capital ratio | 9.8525% | 5,939 |
| Total risk-based capital ratio | 11.0398% | 5,925 |
| Memoranda: | ||
| Average total assets | $243,958,000 | 2,594 |
| Average earning assets | $230,188,000 | 2,548 |
| Average equity | $28,232,000 | 2,510 |
| Average total loans | $219,840,500 | 1,988 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9168% | 738 |
| Cost of funding earning assets | 0.5375% | 1,866 |
| Net interest margin | 4.3793% | 828 |
| Noninterest income to average assets | 0.2191% | 5,284 |
| Noninterest expense to average assets | 2.0374% | 5,381 |
| Loan and lease loss provision to assets | 0.4271% | 299 |
| Net operating income to assets | 1.8279% | 464 |
| Return on assets (ROA) | 1.8279% | 473 |
| Pretax return on assets | 1.8279% | 760 |
| Return on Equity (ROE) | 15.8614% | 569 |
| Retained earnings to average equity (ytd only) | 12.7615% | 218 |
| Net charge-offs to loans | -0.0083% | 5,068 |
| Credit loss provision to net charge-offs | -5,666.6667% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4658% | 5,861 |
| Assets per employee ($millions) | 10.5209% | 229 |
| Cash dividends to net income (ytd only)* | 19.5437% | 3,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 2,064 |
| Loan loss allowance to noncurrent loans | 2,417.0940% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,460 |
| Noncurrent loans to loans | 0.0616% | 5,272 |
| Net loans and leases to total assets | 84.7406% | 329 |
| Net loans and leases to deposits | 100.3925% | 648 |
| Net loans and leases to core deposits | 140.4212% | 159 |
| Total domestic deposits to total assets | 84.4093% | 3,328 |
| Equity capital to assets | 12.5483% | 1,599 |
| Core capital (leverage) ratio | 11.5894% | 1,895 |
| Tier 1 risk-based capital ratio | 11.0820% | 5,476 |
| Total risk-based capital ratio | 12.3321% | 5,381 |
| Memoranda: | ||
| Average total assets | $199,028,600 | 2,963 |
| Average earning assets | $185,120,000 | 2,943 |
| Average equity | $22,936,200 | 2,880 |
| Average total loans | $180,249,800 | 2,239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 689 |
| Cost of funding earning assets | 0.5344% | 1,935 |
| Net interest margin | 4.4126% | 775 |
| Noninterest income to average assets | 0.2439% | 5,188 |
| Noninterest expense to average assets | 2.0528% | 5,378 |
| Loan and lease loss provision to assets | 0.4202% | 274 |
| Net operating income to assets | 1.8661% | 453 |
| Return on assets (ROA) | 1.8661% | 475 |
| Pretax return on assets | 1.8661% | 774 |
| Return on Equity (ROE) | 16.6147% | 519 |
| Retained earnings to average equity (ytd only) | 12.2540% | 336 |
| Net charge-offs to loans | -0.0112% | 5,031 |
| Credit loss provision to net charge-offs | -4,066.6667% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3091% | 5,907 |
| Assets per employee ($millions) | 11.4217% | 174 |
| Cash dividends to net income (ytd only)* | 26.2459% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,085 |
| Loan loss allowance to noncurrent loans | 2,138.8430% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,550 |
| Noncurrent loans to loans | 0.0608% | 5,376 |
| Net loans and leases to total assets | 90.4586% | 52 |
| Net loans and leases to deposits | 111.9649% | 211 |
| Net loans and leases to core deposits | 145.1674% | 134 |
| Total domestic deposits to total assets | 80.7919% | 4,527 |
| Equity capital to assets | 12.1168% | 2,018 |
| Core capital (leverage) ratio | 10.9777% | 2,510 |
| Tier 1 risk-based capital ratio | 11.0172% | 5,654 |
| Total risk-based capital ratio | 12.2342% | 5,568 |
| Memoranda: | ||
| Average total assets | $193,551,000 | 3,033 |
| Average earning assets | $179,633,750 | 3,027 |
| Average equity | $21,739,250 | 3,016 |
| Average total loans | $177,799,000 | 2,271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 757 |
| Cost of funding earning assets | 0.5260% | 2,020 |
| Net interest margin | 4.3581% | 821 |
| Noninterest income to average assets | 0.1917% | 5,530 |
| Noninterest expense to average assets | 2.0471% | 5,447 |
| Loan and lease loss provision to assets | 0.4577% | 231 |
| Net operating income to assets | 1.7197% | 608 |
| Return on assets (ROA) | 1.7197% | 633 |
| Pretax return on assets | 1.7197% | 1,046 |
| Return on Equity (ROE) | 15.7957% | 632 |
| Retained earnings to average equity (ytd only) | 8.7633% | 999 |
| Net charge-offs to loans | -0.0176% | 5,128 |
| Credit loss provision to net charge-offs | -2,833.3333% | 5,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4578% | 5,935 |
| Assets per employee ($millions) | 12.0892% | 148 |
| Cash dividends to net income (ytd only)* | 44.5210% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 3,779 |
| Loan loss allowance to noncurrent loans | 725.9819% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 5,262 |
| Noncurrent loans to loans | 0.1655% | 5,100 |
| Net loans and leases to total assets | 90.7939% | 47 |
| Net loans and leases to deposits | 114.1631% | 177 |
| Net loans and leases to core deposits | 177.2623% | 58 |
| Total domestic deposits to total assets | 79.5300% | 4,970 |
| Equity capital to assets | 11.1132% | 2,761 |
| Core capital (leverage) ratio | 11.1571% | 2,283 |
| Tier 1 risk-based capital ratio | 10.2599% | 6,011 |
| Total risk-based capital ratio | 11.4165% | 5,981 |
| Memoranda: | ||
| Average total assets | $185,730,330 | 3,151 |
| Average earning assets | $171,862,670 | 3,137 |
| Average equity | $20,220,670 | 3,195 |
| Average total loans | $170,767,000 | 2,367 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8337% | 798 |
| Cost of funding earning assets | 0.5379% | 1,945 |
| Net interest margin | 4.2958% | 884 |
| Noninterest income to average assets | 0.1649% | 5,745 |
| Noninterest expense to average assets | 2.1249% | 5,329 |
| Loan and lease loss provision to assets | 0.3769% | 328 |
| Net operating income to assets | 1.6137% | 701 |
| Return on assets (ROA) | 1.6137% | 732 |
| Pretax return on assets | 1.6137% | 1,240 |
| Return on Equity (ROE) | 15.0223% | 707 |
| Retained earnings to average equity (ytd only) | 15.0223% | 282 |
| Net charge-offs to loans | -0.0384% | 5,387 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6314% | 5,832 |
| Assets per employee ($millions) | 10.5002% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 3,878 |
| Loan loss allowance to noncurrent loans | 630.6785% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 5,233 |
| Noncurrent loans to loans | 0.1927% | 5,093 |
| Net loans and leases to total assets | 91.9679% | 26 |
| Net loans and leases to deposits | 118.6239% | 102 |
| Net loans and leases to core deposits | 133.8400% | 206 |
| Total domestic deposits to total assets | 77.5289% | 5,528 |
| Equity capital to assets | 9.8316% | 4,349 |
| Core capital (leverage) ratio | 9.9401% | 3,677 |
| Tier 1 risk-based capital ratio | 8.8577% | 6,326 |
| Total risk-based capital ratio | 10.0627% | 6,324 |
| Memoranda: | ||
| Average total assets | $169,792,500 | 3,370 |
| Average earning assets | $156,154,000 | 3,376 |
| Average equity | $18,239,500 | 3,414 |
| Average total loans | $156,162,500 | 2,536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1674% | 556 |
| Cost of funding earning assets | 0.6943% | 1,139 |
| Net interest margin | 4.4731% | 786 |
| Noninterest income to average assets | 0.3054% | 4,926 |
| Noninterest expense to average assets | 2.4416% | 4,724 |
| Loan and lease loss provision to assets | 0.4195% | 412 |
| Net operating income to assets | 1.5353% | 820 |
| Return on assets (ROA) | 1.5353% | 850 |
| Pretax return on assets | 1.5353% | 1,424 |
| Return on Equity (ROE) | 12.0775% | 1,389 |
| Retained earnings to average equity (ytd only) | 12.0775% | 292 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5365% | 5,710 |
| Assets per employee ($millions) | 8.8578% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 2,744 |
| Loan loss allowance to noncurrent loans | 565.7061% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 5,100 |
| Noncurrent loans to loans | 0.2545% | 4,924 |
| Net loans and leases to total assets | 89.2550% | 83 |
| Net loans and leases to deposits | 105.5582% | 376 |
| Net loans and leases to core deposits | 124.3001% | 314 |
| Total domestic deposits to total assets | 84.5553% | 3,482 |
| Equity capital to assets | 11.8852% | 2,101 |
| Core capital (leverage) ratio | 10.8560% | 2,549 |
| Tier 1 risk-based capital ratio | 11.7209% | 5,533 |
| Total risk-based capital ratio | 12.9741% | 5,438 |
| Memoranda: | ||
| Average total assets | $132,291,000 | 3,935 |
| Average earning assets | $120,989,600 | 3,941 |
| Average equity | $16,816,400 | 3,555 |
| Average total loans | $121,125,600 | 3,018 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 565 |
| Cost of funding earning assets | 0.7196% | 1,052 |
| Net interest margin | 4.4428% | 829 |
| Noninterest income to average assets | 0.3341% | 4,765 |
| Noninterest expense to average assets | 2.4867% | 4,571 |
| Loan and lease loss provision to assets | 0.4280% | 375 |
| Net operating income to assets | 1.4866% | 967 |
| Return on assets (ROA) | 1.4866% | 994 |
| Pretax return on assets | 1.4866% | 1,690 |
| Return on Equity (ROE) | 11.4746% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.4746% | 459 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4991% | 5,615 |
| Assets per employee ($millions) | 7.6455% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 2,946 |
| Loan loss allowance to noncurrent loans | 534.7059% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 5,239 |
| Noncurrent loans to loans | 0.2711% | 5,096 |
| Net loans and leases to total assets | 89.8219% | 60 |
| Net loans and leases to deposits | 110.7128% | 200 |
| Net loans and leases to core deposits | 121.8212% | 354 |
| Total domestic deposits to total assets | 81.1305% | 4,789 |
| Equity capital to assets | 12.5637% | 1,657 |
| Core capital (leverage) ratio | 10.9911% | 2,495 |
| Tier 1 risk-based capital ratio | 12.6475% | 5,064 |
| Total risk-based capital ratio | 13.9015% | 4,980 |
| Memoranda: | ||
| Average total assets | $127,718,250 | 4,052 |
| Average earning assets | $116,921,000 | 4,060 |
| Average equity | $16,546,250 | 3,612 |
| Average total loans | $117,315,750 | 3,112 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0898% | 624 |
| Cost of funding earning assets | 0.7391% | 969 |
| Net interest margin | 4.3507% | 937 |
| Noninterest income to average assets | 0.3842% | 4,374 |
| Noninterest expense to average assets | 2.5254% | 4,497 |
| Loan and lease loss provision to assets | 0.4501% | 357 |
| Net operating income to assets | 1.4114% | 1,035 |
| Return on assets (ROA) | 1.4114% | 1,074 |
| Pretax return on assets | 1.4114% | 1,853 |
| Return on Equity (ROE) | 10.7741% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.7741% | 572 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5669% | 5,600 |
| Assets per employee ($millions) | 7.3698% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 3,519 |
| Loan loss allowance to noncurrent loans | 474.1573% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 4,746 |
| Noncurrent loans to loans | 0.2877% | 5,159 |
| Net loans and leases to total assets | 91.9921% | 24 |
| Net loans and leases to deposits | 118.7993% | 97 |
| Net loans and leases to core deposits | 128.8804% | 242 |
| Total domestic deposits to total assets | 77.4349% | 5,731 |
| Equity capital to assets | 12.6221% | 1,577 |
| Core capital (leverage) ratio | 11.2190% | 2,229 |
| Tier 1 risk-based capital ratio | 12.8020% | 5,030 |
| Total risk-based capital ratio | 14.0557% | 4,976 |
| Memoranda: | ||
| Average total assets | $124,418,000 | 4,149 |
| Average earning assets | $114,464,670 | 4,137 |
| Average equity | $16,298,330 | 3,648 |
| Average total loans | $114,611,000 | 3,165 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 756 |
| Cost of funding earning assets | 0.7725% | 871 |
| Net interest margin | 4.1998% | 1,220 |
| Noninterest income to average assets | 0.5819% | 2,847 |
| Noninterest expense to average assets | 2.6068% | 4,245 |
| Loan and lease loss provision to assets | 0.4323% | 378 |
| Net operating income to assets | 1.3932% | 996 |
| Return on assets (ROA) | 1.3932% | 1,041 |
| Pretax return on assets | 1.3932% | 1,769 |
| Return on Equity (ROE) | 10.4258% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.4258% | 868 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8147% | 5,566 |
| Assets per employee ($millions) | 7.1459% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,201 |
| Loan loss allowance to noncurrent loans | 272.6950% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4385% | 4,823 |
| Noncurrent loans to loans | 0.4714% | 4,750 |
| Net loans and leases to total assets | 91.8244% | 19 |
| Net loans and leases to deposits | 121.1099% | 66 |
| Net loans and leases to core deposits | 130.0599% | 187 |
| Total domestic deposits to total assets | 75.8190% | 6,092 |
| Equity capital to assets | 12.6607% | 1,481 |
| Core capital (leverage) ratio | 11.7657% | 1,790 |
| Tier 1 risk-based capital ratio | 13.0057% | 4,999 |
| Total risk-based capital ratio | 14.2590% | 4,927 |
| Memoranda: | ||
| Average total assets | $120,299,000 | 4,271 |
| Average earning assets | $110,290,500 | 4,265 |
| Average equity | $16,075,500 | 3,684 |
| Average total loans | $110,056,000 | 3,260 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 669 |
| Cost of funding earning assets | 0.7477% | 1,510 |
| Net interest margin | 4.4338% | 852 |
| Noninterest income to average assets | 0.3911% | 4,511 |
| Noninterest expense to average assets | 2.8079% | 3,696 |
| Loan and lease loss provision to assets | 0.4110% | 724 |
| Net operating income to assets | 1.1970% | 1,579 |
| Return on assets (ROA) | 1.1970% | 1,649 |
| Pretax return on assets | 1.1970% | 2,593 |
| Return on Equity (ROE) | 9.3603% | 2,387 |
| Retained earnings to average equity (ytd only) | 3.0508% | 4,059 |
| Net charge-offs to loans | 0.1784% | 3,043 |
| Credit loss provision to net charge-offs | 268.9441% | 842 |
| Earnings coverage of net charge-offs (x) | 10.5217% | 2,355 |
| Efficiency ratio | 63.5856% | 4,975 |
| Assets per employee ($millions) | 6.2207% | 1,126 |
| Cash dividends to net income (ytd only)* | 67.4068% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,647 |
| Loan loss allowance to noncurrent loans | 182.6200% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 4,134 |
| Noncurrent loans to loans | 0.7674% | 4,050 |
| Net loans and leases to total assets | 88.4650% | 71 |
| Net loans and leases to deposits | 105.3361% | 285 |
| Net loans and leases to core deposits | 113.7411% | 475 |
| Total domestic deposits to total assets | 83.9835% | 4,173 |
| Equity capital to assets | 14.1696% | 859 |
| Core capital (leverage) ratio | 11.8664% | 1,704 |
| Tier 1 risk-based capital ratio | 14.2774% | 4,097 |
| Total risk-based capital ratio | 15.5306% | 4,038 |
| Memoranda: | ||
| Average total assets | $105,345,800 | 4,613 |
| Average earning assets | $95,629,800 | 4,629 |
| Average equity | $13,471,800 | 4,172 |
| Average total loans | $90,236,000 | 3,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 702 |
| Cost of funding earning assets | 0.7383% | 1,677 |
| Net interest margin | 4.4196% | 857 |
| Noninterest income to average assets | 0.5002% | 3,804 |
| Noninterest expense to average assets | 2.8559% | 3,458 |
| Loan and lease loss provision to assets | 0.4539% | 625 |
| Net operating income to assets | 1.2010% | 1,633 |
| Return on assets (ROA) | 1.2010% | 1,704 |
| Pretax return on assets | 1.2010% | 2,689 |
| Return on Equity (ROE) | 9.6735% | 2,319 |
| Retained earnings to average equity (ytd only) | 9.6735% | 868 |
| Net charge-offs to loans | -0.0593% | 6,364 |
| Credit loss provision to net charge-offs | -905.1282% | 6,171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3124% | 4,919 |
| Assets per employee ($millions) | 6.0559% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 2,953 |
| Loan loss allowance to noncurrent loans | 631.4050% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 5,765 |
| Noncurrent loans to loans | 0.2554% | 5,590 |
| Net loans and leases to total assets | 81.0182% | 449 |
| Net loans and leases to deposits | 93.5560% | 856 |
| Net loans and leases to core deposits | 98.4019% | 1,213 |
| Total domestic deposits to total assets | 86.5986% | 2,912 |
| Equity capital to assets | 11.6371% | 2,179 |
| Core capital (leverage) ratio | 9.4649% | 4,455 |
| Tier 1 risk-based capital ratio | 12.0208% | 5,767 |
| Total risk-based capital ratio | 13.2774% | 5,699 |
| Memoranda: | ||
| Average total assets | $103,689,250 | 4,698 |
| Average earning assets | $94,092,750 | 4,728 |
| Average equity | $12,873,250 | 4,334 |
| Average total loans | $87,679,000 | 3,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 552 |
| Cost of funding earning assets | 0.7797% | 1,529 |
| Net interest margin | 4.4941% | 712 |
| Noninterest income to average assets | 0.4164% | 4,404 |
| Noninterest expense to average assets | 2.9630% | 3,111 |
| Loan and lease loss provision to assets | 0.5305% | 503 |
| Net operating income to assets | 0.9850% | 2,391 |
| Return on assets (ROA) | 0.9850% | 2,537 |
| Pretax return on assets | 0.9850% | 3,574 |
| Return on Equity (ROE) | 7.7474% | 3,215 |
| Retained earnings to average equity (ytd only) | 7.7474% | 1,581 |
| Net charge-offs to loans | -0.0914% | 6,480 |
| Credit loss provision to net charge-offs | -679.4872% | 5,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1600% | 4,525 |
| Assets per employee ($millions) | 5.4427% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,426 |
| Loan loss allowance to noncurrent loans | 576.0000% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 5,628 |
| Noncurrent loans to loans | 0.2663% | 5,645 |
| Net loans and leases to total assets | 84.9137% | 193 |
| Net loans and leases to deposits | 98.4660% | 519 |
| Net loans and leases to core deposits | 108.4208% | 633 |
| Total domestic deposits to total assets | 86.2366% | 3,240 |
| Equity capital to assets | 11.8948% | 1,978 |
| Core capital (leverage) ratio | 9.9705% | 3,565 |
| Tier 1 risk-based capital ratio | 11.7601% | 5,948 |
| Total risk-based capital ratio | 13.0153% | 5,899 |
| Memoranda: | ||
| Average total assets | $99,898,000 | 4,819 |
| Average earning assets | $90,295,670 | 4,838 |
| Average equity | $12,701,000 | 4,397 |
| Average total loans | $85,322,000 | 3,843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 676 |
| Cost of funding earning assets | 0.8361% | 1,335 |
| Net interest margin | 4.3158% | 943 |
| Noninterest income to average assets | 0.3982% | 4,469 |
| Noninterest expense to average assets | 2.9512% | 3,155 |
| Loan and lease loss provision to assets | 0.4402% | 655 |
| Net operating income to assets | 0.8803% | 2,748 |
| Return on assets (ROA) | 0.8803% | 2,898 |
| Pretax return on assets | 0.8803% | 3,834 |
| Return on Equity (ROE) | 6.6786% | 3,673 |
| Retained earnings to average equity (ytd only) | 6.6786% | 2,324 |
| Net charge-offs to loans | -0.1925% | 6,671 |
| Credit loss provision to net charge-offs | -269.2308% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0873% | 4,132 |
| Assets per employee ($millions) | 5.5515% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,084 |
| Loan loss allowance to noncurrent loans | 472.3247% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 5,311 |
| Noncurrent loans to loans | 0.3029% | 5,641 |
| Net loans and leases to total assets | 88.2444% | 67 |
| Net loans and leases to deposits | 118.1088% | 79 |
| Net loans and leases to core deposits | 130.2896% | 174 |
| Total domestic deposits to total assets | 74.7145% | 6,488 |
| Equity capital to assets | 12.6853% | 1,601 |
| Core capital (leverage) ratio | 10.9472% | 2,302 |
| Tier 1 risk-based capital ratio | 12.4008% | 5,639 |
| Total risk-based capital ratio | 13.6551% | 5,584 |
| Memoranda: | ||
| Average total assets | $95,420,000 | 4,961 |
| Average earning assets | $85,638,000 | 4,993 |
| Average equity | $12,577,500 | 4,458 |
| Average total loans | $81,047,000 | 3,988 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2702% | 984 |
| Cost of funding earning assets | 1.0323% | 1,198 |
| Net interest margin | 4.2379% | 1,551 |
| Noninterest income to average assets | 0.0989% | 6,511 |
| Noninterest expense to average assets | 2.5989% | 4,747 |
| Loan and lease loss provision to assets | 0.3339% | 2,025 |
| Net operating income to assets | 1.0172% | 2,268 |
| Return on assets (ROA) | 1.0172% | 2,482 |
| Pretax return on assets | 1.0172% | 3,488 |
| Return on Equity (ROE) | 7.6224% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.6224% | 1,268 |
| Net charge-offs to loans | 0.2408% | 3,498 |
| Credit loss provision to net charge-offs | 170.7865% | 1,546 |
| Earnings coverage of net charge-offs (x) | 6.9101% | 2,713 |
| Efficiency ratio | 65.7953% | 4,542 |
| Assets per employee ($millions) | 6.0609% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5640% | 3,461 |
| Loan loss allowance to noncurrent loans | 115.3299% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 1.4420% | 3,224 |
| Noncurrent loans to loans | 1.3561% | 3,566 |
| Net loans and leases to total assets | 78.6444% | 603 |
| Net loans and leases to deposits | 93.3102% | 800 |
| Net loans and leases to core deposits | 109.7774% | 545 |
| Total domestic deposits to total assets | 84.2828% | 4,190 |
| Equity capital to assets | 13.7263% | 1,141 |
| Core capital (leverage) ratio | 10.3983% | 2,884 |
| Tier 1 risk-based capital ratio | 14.3694% | 4,114 |
| Total risk-based capital ratio | 15.6253% | 4,068 |
| Memoranda: | ||
| Average total assets | $91,038,600 | 5,058 |
| Average earning assets | $82,730,000 | 5,052 |
| Average equity | $12,148,400 | 4,537 |
| Average total loans | $73,923,600 | 4,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 1,280 |
| Cost of funding earning assets | 1.0520% | 1,271 |
| Net interest margin | 4.1053% | 2,071 |
| Noninterest income to average assets | 0.6310% | 3,106 |
| Noninterest expense to average assets | 2.6880% | 4,413 |
| Loan and lease loss provision to assets | 0.4231% | 1,506 |
| Net operating income to assets | 1.2620% | 1,535 |
| Return on assets (ROA) | 1.2620% | 1,699 |
| Pretax return on assets | 1.2620% | 2,743 |
| Return on Equity (ROE) | 9.5253% | 2,577 |
| Retained earnings to average equity (ytd only) | 9.5253% | 1,055 |
| Net charge-offs to loans | 0.0180% | 5,423 |
| Credit loss provision to net charge-offs | 2,890.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 115.1260% | 375 |
| Efficiency ratio | 61.4664% | 5,234 |
| Assets per employee ($millions) | 6.2130% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,648 |
| Loan loss allowance to noncurrent loans | 106.6170% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 3,009 |
| Noncurrent loans to loans | 1.4725% | 3,582 |
| Net loans and leases to total assets | 86.7150% | 125 |
| Net loans and leases to deposits | 102.5038% | 331 |
| Net loans and leases to core deposits | 122.1346% | 273 |
| Total domestic deposits to total assets | 84.5968% | 3,933 |
| Equity capital to assets | 13.3451% | 1,414 |
| Core capital (leverage) ratio | 10.8204% | 2,574 |
| Tier 1 risk-based capital ratio | 13.5931% | 4,826 |
| Total risk-based capital ratio | 14.8505% | 4,776 |
| Memoranda: | ||
| Average total assets | $91,070,000 | 5,101 |
| Average earning assets | $83,011,500 | 5,098 |
| Average equity | $12,065,750 | 4,600 |
| Average total loans | $74,246,000 | 4,251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0635% | 1,622 |
| Cost of funding earning assets | 1.0946% | 1,240 |
| Net interest margin | 3.9690% | 2,638 |
| Noninterest income to average assets | 0.7636% | 2,357 |
| Noninterest expense to average assets | 2.6206% | 4,708 |
| Loan and lease loss provision to assets | 0.4405% | 1,476 |
| Net operating income to assets | 1.3302% | 1,361 |
| Return on assets (ROA) | 1.3302% | 1,514 |
| Pretax return on assets | 1.3302% | 2,451 |
| Return on Equity (ROE) | 10.0653% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.0653% | 957 |
| Net charge-offs to loans | 0.0279% | 4,988 |
| Credit loss provision to net charge-offs | 1,990.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 507 |
| Efficiency ratio | 59.6774% | 5,628 |
| Assets per employee ($millions) | 6.3792% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 3,884 |
| Loan loss allowance to noncurrent loans | 385.5305% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 4,798 |
| Noncurrent loans to loans | 0.3965% | 5,743 |
| Net loans and leases to total assets | 86.4728% | 119 |
| Net loans and leases to deposits | 104.8837% | 258 |
| Net loans and leases to core deposits | 129.8321% | 209 |
| Total domestic deposits to total assets | 82.4463% | 4,969 |
| Equity capital to assets | 13.6448% | 1,244 |
| Core capital (leverage) ratio | 10.3088% | 3,038 |
| Tier 1 risk-based capital ratio | 14.1977% | 4,307 |
| Total risk-based capital ratio | 15.4545% | 4,265 |
| Memoranda: | ||
| Average total assets | $90,361,670 | 5,156 |
| Average earning assets | $82,591,000 | 5,136 |
| Average equity | $11,942,000 | 4,619 |
| Average total loans | $71,627,000 | 4,366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 2,505 |
| Cost of funding earning assets | 1.0440% | 1,719 |
| Net interest margin | 3.7910% | 3,432 |
| Noninterest income to average assets | 1.1575% | 1,060 |
| Noninterest expense to average assets | 2.6010% | 4,810 |
| Loan and lease loss provision to assets | 0.4401% | 1,420 |
| Net operating income to assets | 1.5844% | 886 |
| Return on assets (ROA) | 1.5844% | 994 |
| Pretax return on assets | 1.5844% | 1,620 |
| Return on Equity (ROE) | 12.1827% | 1,620 |
| Retained earnings to average equity (ytd only) | 12.1827% | 799 |
| Net charge-offs to loans | 0.0586% | 3,917 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 46.0000% | 672 |
| Efficiency ratio | 56.2322% | 6,099 |
| Assets per employee ($millions) | 7.4540% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 3,988 |
| Loan loss allowance to noncurrent loans | 326.4095% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 4,457 |
| Noncurrent loans to loans | 0.4719% | 5,732 |
| Net loans and leases to total assets | 72.5578% | 1,307 |
| Net loans and leases to deposits | 83.7742% | 1,692 |
| Net loans and leases to core deposits | 99.8892% | 995 |
| Total domestic deposits to total assets | 86.6112% | 3,170 |
| Equity capital to assets | 12.3702% | 1,809 |
| Core capital (leverage) ratio | 10.3606% | 2,914 |
| Tier 1 risk-based capital ratio | 14.5886% | 4,026 |
| Total risk-based capital ratio | 15.8450% | 3,983 |
| Memoranda: | ||
| Average total assets | $90,888,000 | 5,179 |
| Average earning assets | $83,144,000 | 5,168 |
| Average equity | $11,820,000 | 4,653 |
| Average total loans | $68,227,000 | 4,513 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9020% | 3,343 |
| Cost of funding earning assets | 1.0070% | 3,324 |
| Net interest margin | 3.8950% | 3,358 |
| Noninterest income to average assets | 0.2085% | 6,024 |
| Noninterest expense to average assets | 2.9482% | 3,781 |
| Loan and lease loss provision to assets | 0.2553% | 3,654 |
| Net operating income to assets | 0.5318% | 4,304 |
| Return on assets (ROA) | 0.5318% | 4,494 |
| Pretax return on assets | 0.5318% | 4,897 |
| Return on Equity (ROE) | 3.5333% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,709 |
| Net charge-offs to loans | 0.2605% | 4,149 |
| Credit loss provision to net charge-offs | 137.4046% | 2,165 |
| Earnings coverage of net charge-offs (x) | 4.2366% | 3,207 |
| Efficiency ratio | 78.9294% | 2,465 |
| Assets per employee ($millions) | 6.0624% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,788 |
| Loan loss allowance to noncurrent loans | 222.4670% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 5,635 |
| Noncurrent loans to loans | 0.6980% | 5,302 |
| Net loans and leases to total assets | 75.4460% | 1,029 |
| Net loans and leases to deposits | 88.5855% | 1,308 |
| Net loans and leases to core deposits | 96.6653% | 1,438 |
| Total domestic deposits to total assets | 85.1674% | 3,760 |
| Equity capital to assets | 13.7298% | 1,157 |
| Core capital (leverage) ratio | 10.9305% | 2,324 |
| Tier 1 risk-based capital ratio | 13.9981% | 4,328 |
| Total risk-based capital ratio | 15.2521% | 4,281 |
| Memoranda: | ||
| Average total assets | $70,518,000 | 5,727 |
| Average earning assets | $63,851,000 | 5,737 |
| Average equity | $10,613,400 | 4,882 |
| Average total loans | $50,294,400 | 5,253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 3,230 |
| Cost of funding earning assets | 1.0319% | 3,450 |
| Net interest margin | 3.9403% | 3,188 |
| Noninterest income to average assets | 0.2032% | 6,152 |
| Noninterest expense to average assets | 3.0300% | 3,439 |
| Loan and lease loss provision to assets | 0.2689% | 3,354 |
| Net operating income to assets | 0.4642% | 4,705 |
| Return on assets (ROA) | 0.4642% | 4,895 |
| Pretax return on assets | 0.4642% | 5,275 |
| Return on Equity (ROE) | 3.0005% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.0005% | 4,552 |
| Net charge-offs to loans | 0.0687% | 5,270 |
| Credit loss provision to net charge-offs | 562.5000% | 492 |
| Earnings coverage of net charge-offs (x) | 15.3328% | 1,474 |
| Efficiency ratio | 80.5188% | 2,183 |
| Assets per employee ($millions) | 5.4196% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 2,631 |
| Loan loss allowance to noncurrent loans | 202.6465% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 5,402 |
| Noncurrent loans to loans | 0.9343% | 5,011 |
| Net loans and leases to total assets | 73.2095% | 1,468 |
| Net loans and leases to deposits | 85.4609% | 1,762 |
| Net loans and leases to core deposits | 87.9966% | 2,492 |
| Total domestic deposits to total assets | 85.6644% | 3,403 |
| Equity capital to assets | 13.9666% | 1,165 |
| Core capital (leverage) ratio | 10.8032% | 2,570 |
| Tier 1 risk-based capital ratio | 14.1369% | 4,246 |
| Total risk-based capital ratio | 15.3966% | 4,211 |
| Memoranda: | ||
| Average total assets | $66,929,000 | 5,876 |
| Average earning assets | $60,467,000 | 5,892 |
| Average equity | $10,353,500 | 4,944 |
| Average total loans | $46,607,000 | 5,448 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0754% | 2,796 |
| Cost of funding earning assets | 1.0859% | 3,346 |
| Net interest margin | 3.9895% | 2,890 |
| Noninterest income to average assets | 0.2314% | 5,997 |
| Noninterest expense to average assets | 3.1588% | 3,055 |
| Loan and lease loss provision to assets | 0.2815% | 3,128 |
| Net operating income to assets | 0.3878% | 5,008 |
| Return on assets (ROA) | 0.3878% | 5,142 |
| Pretax return on assets | 0.3878% | 5,428 |
| Return on Equity (ROE) | 2.4143% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.4143% | 4,755 |
| Net charge-offs to loans | 0.1109% | 4,586 |
| Credit loss provision to net charge-offs | 375.0000% | 805 |
| Earnings coverage of net charge-offs (x) | 8.9167% | 1,986 |
| Efficiency ratio | 82.5163% | 2,026 |
| Assets per employee ($millions) | 5.6803% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1220% | 2,070 |
| Loan loss allowance to noncurrent loans | 199.0310% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 5,388 |
| Noncurrent loans to loans | 1.0662% | 4,883 |
| Net loans and leases to total assets | 69.4956% | 2,322 |
| Net loans and leases to deposits | 82.3299% | 2,399 |
| Net loans and leases to core deposits | 85.1644% | 3,052 |
| Total domestic deposits to total assets | 84.4111% | 4,164 |
| Equity capital to assets | 15.2177% | 766 |
| Core capital (leverage) ratio | 12.1579% | 1,525 |
| Tier 1 risk-based capital ratio | 15.8260% | 3,065 |
| Total risk-based capital ratio | 17.0881% | 3,037 |
| Memoranda: | ||
| Average total assets | $63,947,330 | 6,013 |
| Average earning assets | $57,650,670 | 6,033 |
| Average equity | $10,272,330 | 4,979 |
| Average total loans | $43,269,670 | 5,647 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 1,974 |
| Cost of funding earning assets | 1.1376% | 3,245 |
| Net interest margin | 4.1329% | 2,144 |
| Noninterest income to average assets | 0.3299% | 5,268 |
| Noninterest expense to average assets | 3.2407% | 2,735 |
| Loan and lease loss provision to assets | 0.4851% | 1,812 |
| Net operating income to assets | 0.3170% | 5,322 |
| Return on assets (ROA) | 0.3170% | 5,399 |
| Pretax return on assets | 0.3170% | 5,609 |
| Return on Equity (ROE) | 1.9174% | 5,814 |
| Retained earnings to average equity (ytd only) | 1.9174% | 4,970 |
| Net charge-offs to loans | 0.0197% | 4,801 |
| Credit loss provision to net charge-offs | 3,750.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 477 |
| Efficiency ratio | 80.1600% | 2,500 |
| Assets per employee ($millions) | 5.4375% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5318% | 1,418 |
| Loan loss allowance to noncurrent loans | 204.3478% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8460% | 5,213 |
| Noncurrent loans to loans | 1.2390% | 4,616 |
| Net loans and leases to total assets | 66.5535% | 2,868 |
| Net loans and leases to deposits | 80.6610% | 2,580 |
| Net loans and leases to core deposits | 81.5483% | 3,523 |
| Total domestic deposits to total assets | 82.5102% | 5,106 |
| Equity capital to assets | 17.1772% | 428 |
| Core capital (leverage) ratio | 12.6287% | 1,274 |
| Tier 1 risk-based capital ratio | 17.6551% | 2,229 |
| Total risk-based capital ratio | 18.9212% | 2,199 |
| Memoranda: | ||
| Average total assets | $61,839,000 | 6,130 |
| Average earning assets | $55,554,000 | 6,143 |
| Average equity | $10,222,000 | 4,985 |
| Average total loans | $40,705,500 | 5,819 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 5,700 |
| Cost of funding earning assets | 1.5631% | 2,285 |
| Net interest margin | 3.1640% | 6,355 |
| Noninterest income to average assets | 0.4529% | 4,495 |
| Noninterest expense to average assets | 3.6741% | 1,764 |
| Loan and lease loss provision to assets | 1.2113% | 1,287 |
| Net operating income to assets | -1.6361% | 6,953 |
| Return on assets (ROA) | -1.6361% | 6,974 |
| Pretax return on assets | -1.6361% | 6,908 |
| Return on Equity (ROE) | -9.3027% | 6,699 |
| Retained earnings to average equity (ytd only) | -9.3027% | 6,623 |
| Net charge-offs to loans | 0.0280% | 6,523 |
| Credit loss provision to net charge-offs | 6,900.0000% | 21 |
| Earnings coverage of net charge-offs (x) | -24.2000% | 6,825 |
| Efficiency ratio | 113.0740% | 489 |
| Assets per employee ($millions) | 4.9128% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,595 |
| Loan loss allowance to noncurrent loans | 72.0930% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 2.0872% | 3,239 |
| Noncurrent loans to loans | 3.2857% | 2,306 |
| Net loans and leases to total assets | 62.0189% | 4,280 |
| Net loans and leases to deposits | 73.9774% | 4,192 |
| Net loans and leases to core deposits | 74.7227% | 4,884 |
| Total domestic deposits to total assets | 83.8349% | 4,433 |
| Equity capital to assets | 15.9240% | 593 |
| Core capital (leverage) ratio | 11.8973% | 1,619 |
| Tier 1 risk-based capital ratio | 17.2030% | 2,273 |
| Total risk-based capital ratio | 18.4660% | 2,228 |
| Memoranda: | ||
| Average total assets | $56,965,600 | 6,310 |
| Average earning assets | $50,347,200 | 6,353 |
| Average equity | $10,018,600 | 5,124 |
| Average total loans | $35,673,400 | 6,129 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 5,793 |
| Cost of funding earning assets | 1.6645% | 2,028 |
| Net interest margin | 3.1034% | 6,607 |
| Noninterest income to average assets | 0.4924% | 4,249 |
| Noninterest expense to average assets | 3.8497% | 1,283 |
| Loan and lease loss provision to assets | 1.6654% | 771 |
| Net operating income to assets | -2.3002% | 7,302 |
| Return on assets (ROA) | -2.3002% | 7,319 |
| Pretax return on assets | -2.3002% | 7,273 |
| Return on Equity (ROE) | -12.7308% | 7,041 |
| Retained earnings to average equity (ytd only) | -12.7308% | 7,003 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7447% | 399 |
| Assets per employee ($millions) | 4.4236% | 3,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6208% | 1,177 |
| Loan loss allowance to noncurrent loans | 46.8629% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.3457% | 2,127 |
| Noncurrent loans to loans | 5.5924% | 1,174 |
| Net loans and leases to total assets | 58.2577% | 5,224 |
| Net loans and leases to deposits | 69.9789% | 5,148 |
| Net loans and leases to core deposits | 71.0692% | 5,632 |
| Total domestic deposits to total assets | 83.2504% | 4,482 |
| Equity capital to assets | 16.4492% | 600 |
| Core capital (leverage) ratio | 12.7248% | 1,326 |
| Tier 1 risk-based capital ratio | 18.1859% | 1,973 |
| Total risk-based capital ratio | 19.4499% | 1,924 |
| Memoranda: | ||
| Average total assets | $55,240,500 | 6,440 |
| Average earning assets | $48,462,000 | 6,487 |
| Average equity | $9,980,750 | 5,200 |
| Average total loans | $34,449,250 | 6,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9470% | 5,195 |
| Cost of funding earning assets | 1.7649% | 1,791 |
| Net interest margin | 3.1821% | 6,376 |
| Noninterest income to average assets | 0.6527% | 2,999 |
| Noninterest expense to average assets | 4.1275% | 883 |
| Loan and lease loss provision to assets | 2.6032% | 427 |
| Net operating income to assets | -3.3163% | 7,550 |
| Return on assets (ROA) | -3.3163% | 7,555 |
| Pretax return on assets | -3.3163% | 7,517 |
| Return on Equity (ROE) | -17.7361% | 7,223 |
| Retained earnings to average equity (ytd only) | -17.7361% | 7,192 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8840% | 405 |
| Assets per employee ($millions) | 3.5943% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7218% | 1,067 |
| Loan loss allowance to noncurrent loans | 50.7845% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 3.5464% | 1,978 |
| Noncurrent loans to loans | 5.3595% | 1,244 |
| Net loans and leases to total assets | 64.3692% | 4,183 |
| Net loans and leases to deposits | 80.0738% | 3,589 |
| Net loans and leases to core deposits | 81.5529% | 4,485 |
| Total domestic deposits to total assets | 80.3873% | 5,596 |
| Equity capital to assets | 18.9654% | 347 |
| Core capital (leverage) ratio | 14.6898% | 785 |
| Tier 1 risk-based capital ratio | 19.4256% | 1,622 |
| Total risk-based capital ratio | 20.6908% | 1,593 |
| Memoranda: | ||
| Average total assets | $53,010,670 | 6,548 |
| Average earning assets | $46,007,670 | 6,634 |
| Average equity | $9,912,000 | 5,228 |
| Average total loans | $33,582,330 | 6,355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 5,406 |
| Cost of funding earning assets | 1.7922% | 1,907 |
| Net interest margin | 3.1189% | 6,543 |
| Noninterest income to average assets | 0.7687% | 2,185 |
| Noninterest expense to average assets | 4.0944% | 908 |
| Loan and lease loss provision to assets | 3.1812% | 307 |
| Net operating income to assets | -3.8052% | 7,707 |
| Return on assets (ROA) | -3.8052% | 7,709 |
| Pretax return on assets | -3.8052% | 7,675 |
| Return on Equity (ROE) | -20.5013% | 7,448 |
| Retained earnings to average equity (ytd only) | -20.5013% | 7,389 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9825% | 468 |
| Assets per employee ($millions) | 3.4837% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1249% | 1,898 |
| Loan loss allowance to noncurrent loans | 35.0025% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 4.0226% | 1,707 |
| Noncurrent loans to loans | 6.0708% | 1,077 |
| Net loans and leases to total assets | 61.6132% | 4,833 |
| Net loans and leases to deposits | 76.1657% | 4,381 |
| Net loans and leases to core deposits | 78.0736% | 5,012 |
| Total domestic deposits to total assets | 80.8937% | 5,496 |
| Equity capital to assets | 18.8594% | 349 |
| Core capital (leverage) ratio | 14.1805% | 916 |
| Tier 1 risk-based capital ratio | 19.1903% | 1,672 |
| Total risk-based capital ratio | 20.4489% | 1,647 |
| Memoranda: | ||
| Average total assets | $52,559,000 | 6,649 |
| Average earning assets | $45,529,500 | 6,726 |
| Average equity | $9,755,500 | 5,309 |
| Average total loans | $32,536,000 | 6,483 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9579% | 7,975 |
| Cost of funding earning assets | 0.4090% | 7,872 |
| Net interest margin | 0.5489% | 7,965 |
| Noninterest income to average assets | 0.1947% | 6,708 |
| Noninterest expense to average assets | 1.0020% | 7,945 |
| Loan and lease loss provision to assets | 0.5363% | 3,690 |
| Net operating income to assets | -0.8493% | 6,471 |
| Return on assets (ROA) | -0.8493% | 6,471 |
| Pretax return on assets | -0.8493% | 6,305 |
| Return on Equity (ROE) | -8.0841% | 6,472 |
| Retained earnings to average equity (ytd only) | -8.0841% | 6,353 |
| Net charge-offs to loans | 0.6562% | 3,221 |
| Credit loss provision to net charge-offs | 144.1026% | 3,317 |
| Earnings coverage of net charge-offs (x) | -0.8410% | 6,847 |
| Efficiency ratio | 145.4294% | 347 |
| Assets per employee ($millions) | 3.7759% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 6,909 |
| Loan loss allowance to noncurrent loans | 47.5465% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 2.5178% | 2,775 |
| Noncurrent loans to loans | 1.8367% | 3,876 |
| Net loans and leases to total assets | 60.3371% | 5,285 |
| Net loans and leases to deposits | 74.0476% | 5,030 |
| Net loans and leases to core deposits | 118.6828% | 2,063 |
| Total domestic deposits to total assets | 81.4842% | 5,164 |
| Equity capital to assets | 18.2661% | 427 |
| Core capital (leverage) ratio | 14.8389% | 819 |
| Tier 1 risk-based capital ratio | 18.4913% | 1,752 |
| Total risk-based capital ratio | 19.2590% | 1,856 |
| Memoranda: | ||
| Average total assets | $52,393,400 | 6,620 |
| Average earning assets | $47,185,800 | 6,632 |
| Average equity | $5,504,600 | 6,766 |
| Average total loans | $29,718,800 | 6,640 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 5,476 |
| Cost of funding earning assets | 3.1991% | 189 |
| Net interest margin | 2.0917% | 7,771 |
| Noninterest income to average assets | 0.6631% | 3,271 |
| Noninterest expense to average assets | 2.8056% | 4,873 |
| Loan and lease loss provision to assets | 0.2704% | 4,802 |
| Net operating income to assets | -0.5050% | 6,427 |
| Return on assets (ROA) | -0.4744% | 6,406 |
| Pretax return on assets | -0.4744% | 6,268 |
| Return on Equity (ROE) | -5.5519% | 6,508 |
| Retained earnings to average equity (ytd only) | -5.5519% | 6,327 |
| Net charge-offs to loans | 0.8887% | 2,186 |
| Credit loss provision to net charge-offs | 54.6392% | 6,249 |
| Earnings coverage of net charge-offs (x) | -0.4742% | 6,468 |
| Efficiency ratio | 109.1270% | 782 |
| Assets per employee ($millions) | 5.7359% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7582% | 2,415 |
| Loan loss allowance to noncurrent loans | 112.8806% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 3.4084% | 1,959 |
| Noncurrent loans to loans | 1.5575% | 4,304 |
| Net loans and leases to total assets | 58.6942% | 5,778 |
| Net loans and leases to deposits | 65.1799% | 6,385 |
| Net loans and leases to core deposits | 119.9902% | 2,244 |
| Total domestic deposits to total assets | 90.0495% | 754 |
| Equity capital to assets | 9.5321% | 4,704 |
| Core capital (leverage) ratio | 8.8260% | 4,936 |
| Tier 1 risk-based capital ratio | 13.5473% | 3,816 |
| Total risk-based capital ratio | 14.7757% | 3,766 |
| Memoranda: | ||
| Average total assets | $52,276,000 | 6,670 |
| Average earning assets | $47,678,750 | 6,662 |
| Average equity | $4,466,750 | 7,193 |
| Average total loans | $29,104,250 | 6,737 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 6,327 |
| Cost of funding earning assets | 3.3173% | 196 |
| Net interest margin | 1.8098% | 7,937 |
| Noninterest income to average assets | 0.5661% | 3,920 |
| Noninterest expense to average assets | 2.3821% | 6,516 |
| Loan and lease loss provision to assets | 0.3897% | 3,580 |
| Net operating income to assets | -0.5551% | 6,605 |
| Return on assets (ROA) | -0.5551% | 6,612 |
| Pretax return on assets | -0.5551% | 6,481 |
| Return on Equity (ROE) | -6.7146% | 6,771 |
| Retained earnings to average equity (ytd only) | -6.7146% | 6,528 |
| Net charge-offs to loans | 0.2359% | 4,019 |
| Credit loss provision to net charge-offs | 302.8571% | 1,533 |
| Earnings coverage of net charge-offs (x) | -1.2857% | 6,285 |
| Efficiency ratio | 107.4627% | 927 |
| Assets per employee ($millions) | 5.7590% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,259 |
| Loan loss allowance to noncurrent loans | 53.4555% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 5.5488% | 902 |
| Noncurrent loans to loans | 4.1007% | 1,629 |
| Net loans and leases to total assets | 55.2681% | 6,305 |
| Net loans and leases to deposits | 60.7537% | 6,835 |
| Net loans and leases to core deposits | 115.8913% | 2,721 |
| Total domestic deposits to total assets | 90.9707% | 460 |
| Equity capital to assets | 8.5702% | 5,944 |
| Core capital (leverage) ratio | 8.2957% | 5,807 |
| Tier 1 risk-based capital ratio | 11.8544% | 5,042 |
| Total risk-based capital ratio | 13.1367% | 4,923 |
| Memoranda: | ||
| Average total assets | $54,405,670 | 6,662 |
| Average earning assets | $49,619,000 | 6,648 |
| Average equity | $4,497,670 | 7,241 |
| Average total loans | $29,667,330 | 6,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0518% | 6,786 |
| Cost of funding earning assets | 3.3600% | 228 |
| Net interest margin | 1.6918% | 8,007 |
| Noninterest income to average assets | 0.2514% | 6,444 |
| Noninterest expense to average assets | 2.2193% | 6,808 |
| Loan and lease loss provision to assets | 0.5387% | 2,317 |
| Net operating income to assets | -0.9552% | 7,226 |
| Return on assets (ROA) | -0.9552% | 7,251 |
| Pretax return on assets | -0.9552% | 7,131 |
| Return on Equity (ROE) | -11.7556% | 7,458 |
| Retained earnings to average equity (ytd only) | -11.7556% | 7,249 |
| Net charge-offs to loans | 0.4823% | 2,246 |
| Credit loss provision to net charge-offs | 208.3333% | 2,147 |
| Earnings coverage of net charge-offs (x) | -1.6111% | 5,440 |
| Efficiency ratio | 123.1076% | 593 |
| Assets per employee ($millions) | 6.2582% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9969% | 1,429 |
| Loan loss allowance to noncurrent loans | 36.5488% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 4.9020% | 937 |
| Noncurrent loans to loans | 5.4635% | 945 |
| Net loans and leases to total assets | 53.1532% | 6,565 |
| Net loans and leases to deposits | 57.9969% | 7,039 |
| Net loans and leases to core deposits | 114.9649% | 2,911 |
| Total domestic deposits to total assets | 91.6483% | 241 |
| Equity capital to assets | 7.9167% | 6,936 |
| Core capital (leverage) ratio | 7.7624% | 6,800 |
| Tier 1 risk-based capital ratio | 11.4626% | 5,450 |
| Total risk-based capital ratio | 12.7181% | 5,342 |
| Memoranda: | ||
| Average total assets | $55,693,000 | 6,643 |
| Average earning assets | $51,071,000 | 6,617 |
| Average equity | $4,525,500 | 7,282 |
| Average total loans | $29,857,000 | 6,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1190% | 4,945 |
| Cost of funding earning assets | 3.9198% | 129 |
| Net interest margin | 2.1992% | 7,961 |
| Noninterest income to average assets | 0.2866% | 6,418 |
| Noninterest expense to average assets | 2.4900% | 6,046 |
| Loan and lease loss provision to assets | 4.6002% | 129 |
| Net operating income to assets | -4.7481% | 8,069 |
| Return on assets (ROA) | -4.7517% | 8,053 |
| Pretax return on assets | -4.7517% | 7,995 |
| Return on Equity (ROE) | -53.8790% | 8,173 |
| Retained earnings to average equity (ytd only) | -53.8790% | 8,159 |
| Net charge-offs to loans | 6.9213% | 40 |
| Credit loss provision to net charge-offs | 104.9126% | 5,097 |
| Earnings coverage of net charge-offs (x) | -0.0337% | 6,270 |
| Efficiency ratio | 106.3133% | 803 |
| Assets per employee ($millions) | 6.1180% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,307 |
| Loan loss allowance to noncurrent loans | 31.2534% | 6,641 |
| Noncurrent assets plus other real estate owned to assets | 4.9780% | 704 |
| Noncurrent loans to loans | 6.2641% | 532 |
| Net loans and leases to total assets | 51.9324% | 6,853 |
| Net loans and leases to deposits | 56.9463% | 7,262 |
| Net loans and leases to core deposits | 104.2054% | 4,373 |
| Total domestic deposits to total assets | 91.1954% | 274 |
| Equity capital to assets | 8.3397% | 6,358 |
| Core capital (leverage) ratio | 8.4356% | 5,685 |
| Tier 1 risk-based capital ratio | 13.0683% | 4,076 |
| Total risk-based capital ratio | 14.0789% | 4,129 |
| Memoranda: | ||
| Average total assets | $54,780,200 | 6,588 |
| Average earning assets | $51,201,200 | 6,541 |
| Average equity | $4,831,200 | 7,200 |
| Average total loans | $34,704,400 | 6,446 |