Home > Polonia Bank > Performance and Condition Ratios
Polonia Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4350% | 4,914 |
| Cost of funding earning assets | 1.1103% | 92 |
| Net interest margin | 2.3247% | 5,696 |
| Noninterest income to average assets | 0.0107% | 5,837 |
| Noninterest expense to average assets | 3.5169% | 1,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.9126% | 5,829 |
| Return on assets (ROA) | -0.7398% | 5,820 |
| Pretax return on assets | -1.0856% | 5,836 |
| Return on Equity (ROE) | -6.5406% | 5,807 |
| Retained earnings to average equity (ytd only) | -6.5406% | 5,717 |
| Net charge-offs to loans | 0.1602% | 1,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -13.9630% | 4,245 |
| Efficiency ratio | 159.7193% | 28 |
| Assets per employee ($millions) | 5.3437% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6125% | 5,505 |
| Loan loss allowance to noncurrent loans | 45.1962% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 2,269 |
| Noncurrent loans to loans | 1.3553% | 1,514 |
| Net loans and leases to total assets | 60.8497% | 3,755 |
| Net loans and leases to deposits | 93.4679% | 1,249 |
| Net loans and leases to core deposits | 95.6224% | 1,954 |
| Total domestic deposits to total assets | 65.1022% | 5,774 |
| Equity capital to assets | 11.0557% | 2,583 |
| Core capital (leverage) ratio | 11.1272% | 2,229 |
| Tier 1 risk-based capital ratio | 22.6303% | 1,005 |
| Total risk-based capital ratio | 23.4002% | 1,031 |
| Memoranda: | ||
| Average total assets | $281,415,000 | 2,280 |
| Average earning assets | $262,269,800 | 2,265 |
| Average equity | $31,831,800 | 2,232 |
| Average total loans | $168,507,800 | 2,426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 4,960 |
| Cost of funding earning assets | 1.1207% | 80 |
| Net interest margin | 2.3076% | 5,769 |
| Noninterest income to average assets | 0.0440% | 5,850 |
| Noninterest expense to average assets | 2.8456% | 2,844 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.4344% | 5,843 |
| Return on assets (ROA) | -0.2096% | 5,803 |
| Pretax return on assets | -0.3139% | 5,821 |
| Return on Equity (ROE) | -1.8433% | 5,809 |
| Retained earnings to average equity (ytd only) | -1.8433% | 5,585 |
| Net charge-offs to loans | 0.2121% | 1,100 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -5.1408% | 3,898 |
| Efficiency ratio | 127.7375% | 62 |
| Assets per employee ($millions) | 5.5149% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6077% | 5,596 |
| Loan loss allowance to noncurrent loans | 40.6326% | 4,952 |
| Noncurrent assets plus other real estate owned to assets | 1.1757% | 1,702 |
| Noncurrent loans to loans | 1.4955% | 1,440 |
| Net loans and leases to total assets | 59.4356% | 3,948 |
| Net loans and leases to deposits | 92.9973% | 1,369 |
| Net loans and leases to core deposits | 95.2926% | 2,068 |
| Total domestic deposits to total assets | 63.9111% | 5,850 |
| Equity capital to assets | 11.6198% | 2,420 |
| Core capital (leverage) ratio | 11.4351% | 2,085 |
| Tier 1 risk-based capital ratio | 24.3300% | 872 |
| Total risk-based capital ratio | 25.1175% | 897 |
| Memoranda: | ||
| Average total assets | $284,973,000 | 2,256 |
| Average earning assets | $265,783,750 | 2,250 |
| Average equity | $32,405,000 | 2,221 |
| Average total loans | $169,739,250 | 2,420 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,011 |
| Cost of funding earning assets | 1.1351% | 75 |
| Net interest margin | 2.3021% | 5,860 |
| Noninterest income to average assets | 0.0083% | 5,984 |
| Noninterest expense to average assets | 2.8585% | 2,809 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4702% | 5,915 |
| Return on assets (ROA) | -0.1715% | 5,860 |
| Pretax return on assets | -0.2555% | 5,870 |
| Return on Equity (ROE) | -1.5188% | 5,857 |
| Retained earnings to average equity (ytd only) | -1.5188% | 5,494 |
| Net charge-offs to loans | 0.0315% | 2,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -37.4074% | 3,670 |
| Efficiency ratio | 130.6405% | 65 |
| Assets per employee ($millions) | 5.8012% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 5,444 |
| Loan loss allowance to noncurrent loans | 51.1084% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 2,445 |
| Noncurrent loans to loans | 1.4378% | 1,539 |
| Net loans and leases to total assets | 59.1628% | 3,991 |
| Net loans and leases to deposits | 88.8273% | 1,887 |
| Net loans and leases to core deposits | 90.9925% | 2,437 |
| Total domestic deposits to total assets | 66.6043% | 5,877 |
| Equity capital to assets | 11.4072% | 2,633 |
| Core capital (leverage) ratio | 11.2417% | 2,202 |
| Tier 1 risk-based capital ratio | 23.9992% | 901 |
| Total risk-based capital ratio | 24.9496% | 913 |
| Memoranda: | ||
| Average total assets | $288,049,330 | 2,252 |
| Average earning assets | $268,882,330 | 2,243 |
| Average equity | $32,526,330 | 2,221 |
| Average total loans | $171,355,000 | 2,399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 4,938 |
| Cost of funding earning assets | 1.1416% | 73 |
| Net interest margin | 2.3379% | 5,908 |
| Noninterest income to average assets | -0.0041% | 6,086 |
| Noninterest expense to average assets | 3.0268% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5672% | 5,979 |
| Return on assets (ROA) | -0.3352% | 5,934 |
| Pretax return on assets | -0.5035% | 5,961 |
| Return on Equity (ROE) | -2.9837% | 5,937 |
| Retained earnings to average equity (ytd only) | -2.9837% | 5,471 |
| Net charge-offs to loans | 0.0627% | 1,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -22.8148% | 3,080 |
| Efficiency ratio | 137.2624% | 58 |
| Assets per employee ($millions) | 5.4305% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 5,547 |
| Loan loss allowance to noncurrent loans | 51.2135% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 2,421 |
| Noncurrent loans to loans | 1.4200% | 1,677 |
| Net loans and leases to total assets | 59.0472% | 3,912 |
| Net loans and leases to deposits | 88.0766% | 1,818 |
| Net loans and leases to core deposits | 90.2065% | 2,352 |
| Total domestic deposits to total assets | 67.0407% | 5,948 |
| Equity capital to assets | 11.3029% | 2,623 |
| Core capital (leverage) ratio | 11.1056% | 2,305 |
| Tier 1 risk-based capital ratio | 23.8880% | 925 |
| Total risk-based capital ratio | 24.8309% | 950 |
| Memoranda: | ||
| Average total assets | $289,945,000 | 2,246 |
| Average earning assets | $270,501,500 | 2,238 |
| Average equity | $32,576,500 | 2,218 |
| Average total loans | $172,322,500 | 2,382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 4,335 |
| Cost of funding earning assets | 1.1536% | 70 |
| Net interest margin | 2.5592% | 5,790 |
| Noninterest income to average assets | 1.1050% | 961 |
| Noninterest expense to average assets | 3.5559% | 1,198 |
| Loan and lease loss provision to assets | 0.0246% | 3,895 |
| Net operating income to assets | -0.0756% | 5,913 |
| Return on assets (ROA) | 0.0451% | 5,855 |
| Pretax return on assets | 0.0839% | 5,810 |
| Return on Equity (ROE) | 0.3868% | 5,854 |
| Retained earnings to average equity (ytd only) | 0.3868% | 5,360 |
| Net charge-offs to loans | 0.1126% | 2,249 |
| Credit loss provision to net charge-offs | 33.6406% | 3,606 |
| Earnings coverage of net charge-offs (x) | -1.0968% | 4,334 |
| Efficiency ratio | 101.3275% | 257 |
| Assets per employee ($millions) | 5.1135% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 5,574 |
| Loan loss allowance to noncurrent loans | 59.7464% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 2,687 |
| Noncurrent loans to loans | 1.2274% | 1,921 |
| Net loans and leases to total assets | 59.0732% | 3,957 |
| Net loans and leases to deposits | 88.5858% | 1,802 |
| Net loans and leases to core deposits | 90.7318% | 2,345 |
| Total domestic deposits to total assets | 66.6847% | 6,002 |
| Equity capital to assets | 11.8905% | 2,038 |
| Core capital (leverage) ratio | 11.9145% | 1,671 |
| Tier 1 risk-based capital ratio | 25.6039% | 765 |
| Total risk-based capital ratio | 26.5541% | 778 |
| Memoranda: | ||
| Average total assets | $296,915,800 | 2,166 |
| Average earning assets | $275,047,200 | 2,167 |
| Average equity | $34,641,400 | 2,058 |
| Average total loans | $192,715,800 | 2,140 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7907% | 4,116 |
| Cost of funding earning assets | 1.1566% | 72 |
| Net interest margin | 2.6342% | 5,797 |
| Noninterest income to average assets | 1.4389% | 602 |
| Noninterest expense to average assets | 3.7870% | 866 |
| Loan and lease loss provision to assets | 0.0326% | 3,578 |
| Net operating income to assets | 0.0280% | 5,912 |
| Return on assets (ROA) | 0.1882% | 5,758 |
| Pretax return on assets | 0.3049% | 5,630 |
| Return on Equity (ROE) | 1.6206% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.6206% | 5,054 |
| Net charge-offs to loans | 0.0864% | 2,311 |
| Credit loss provision to net charge-offs | 57.0313% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.5234% | 3,816 |
| Efficiency ratio | 96.9193% | 389 |
| Assets per employee ($millions) | 4.4902% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 5,635 |
| Loan loss allowance to noncurrent loans | 44.5791% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 1.1257% | 2,115 |
| Noncurrent loans to loans | 1.6695% | 1,464 |
| Net loans and leases to total assets | 63.1600% | 3,427 |
| Net loans and leases to deposits | 94.8867% | 1,102 |
| Net loans and leases to core deposits | 97.2383% | 1,767 |
| Total domestic deposits to total assets | 66.5635% | 6,075 |
| Equity capital to assets | 12.2672% | 1,896 |
| Core capital (leverage) ratio | 11.9017% | 1,740 |
| Tier 1 risk-based capital ratio | 26.0123% | 762 |
| Total risk-based capital ratio | 27.0365% | 776 |
| Memoranda: | ||
| Average total assets | $298,278,000 | 2,171 |
| Average earning assets | $275,753,750 | 2,179 |
| Average equity | $34,637,500 | 2,074 |
| Average total loans | $197,532,000 | 2,100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,069 |
| Cost of funding earning assets | 1.1509% | 72 |
| Net interest margin | 2.6488% | 5,825 |
| Noninterest income to average assets | 1.4156% | 635 |
| Noninterest expense to average assets | 3.7249% | 961 |
| Loan and lease loss provision to assets | 0.0484% | 3,152 |
| Net operating income to assets | 0.0550% | 5,927 |
| Return on assets (ROA) | 0.0550% | 5,968 |
| Pretax return on assets | 0.0848% | 5,945 |
| Return on Equity (ROE) | 0.4821% | 5,967 |
| Retained earnings to average equity (ytd only) | 0.4821% | 5,359 |
| Net charge-offs to loans | 0.1265% | 1,745 |
| Credit loss provision to net charge-offs | 57.0313% | 2,623 |
| Earnings coverage of net charge-offs (x) | 1.5703% | 3,489 |
| Efficiency ratio | 95.8104% | 441 |
| Assets per employee ($millions) | 4.1145% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 5,830 |
| Loan loss allowance to noncurrent loans | 46.1826% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 2,283 |
| Noncurrent loans to loans | 1.5009% | 1,772 |
| Net loans and leases to total assets | 66.7476% | 2,832 |
| Net loans and leases to deposits | 98.8733% | 728 |
| Net loans and leases to core deposits | 101.6796% | 1,352 |
| Total domestic deposits to total assets | 67.5082% | 6,130 |
| Equity capital to assets | 11.7808% | 2,178 |
| Core capital (leverage) ratio | 11.4266% | 2,052 |
| Tier 1 risk-based capital ratio | 25.2637% | 836 |
| Total risk-based capital ratio | 26.2684% | 847 |
| Memoranda: | ||
| Average total assets | $301,912,330 | 2,176 |
| Average earning assets | $278,390,670 | 2,174 |
| Average equity | $34,432,330 | 2,098 |
| Average total loans | $202,420,330 | 2,067 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 3,984 |
| Cost of funding earning assets | 1.1392% | 76 |
| Net interest margin | 2.6677% | 5,843 |
| Noninterest income to average assets | 1.5085% | 536 |
| Noninterest expense to average assets | 3.5475% | 1,215 |
| Loan and lease loss provision to assets | 0.0821% | 2,330 |
| Net operating income to assets | 0.2151% | 5,645 |
| Return on assets (ROA) | 0.2151% | 5,735 |
| Pretax return on assets | 0.3272% | 5,581 |
| Return on Equity (ROE) | 1.9163% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.9163% | 4,708 |
| Net charge-offs to loans | 0.2492% | 961 |
| Credit loss provision to net charge-offs | 49.2188% | 2,111 |
| Earnings coverage of net charge-offs (x) | 2.4531% | 2,750 |
| Efficiency ratio | 88.8962% | 946 |
| Assets per employee ($millions) | 4.4251% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6995% | 5,909 |
| Loan loss allowance to noncurrent loans | 41.3024% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 2,278 |
| Noncurrent loans to loans | 1.6936% | 1,626 |
| Net loans and leases to total assets | 62.8128% | 3,259 |
| Net loans and leases to deposits | 94.8647% | 906 |
| Net loans and leases to core deposits | 97.4849% | 1,522 |
| Total domestic deposits to total assets | 66.2131% | 6,240 |
| Equity capital to assets | 11.3067% | 2,643 |
| Core capital (leverage) ratio | 11.2140% | 2,221 |
| Tier 1 risk-based capital ratio | 24.3036% | 963 |
| Total risk-based capital ratio | 25.2607% | 980 |
| Memoranda: | ||
| Average total assets | $306,804,000 | 2,153 |
| Average earning assets | $281,594,000 | 2,165 |
| Average equity | $34,441,000 | 2,103 |
| Average total loans | $205,455,500 | 2,047 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,600 |
| Cost of funding earning assets | 1.1484% | 105 |
| Net interest margin | 2.8817% | 5,679 |
| Noninterest income to average assets | 1.3357% | 689 |
| Noninterest expense to average assets | 3.8787% | 876 |
| Loan and lease loss provision to assets | 0.0696% | 3,094 |
| Net operating income to assets | 0.0440% | 6,030 |
| Return on assets (ROA) | 0.0440% | 6,056 |
| Pretax return on assets | 0.0735% | 6,016 |
| Return on Equity (ROE) | 0.3878% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.3878% | 5,603 |
| Net charge-offs to loans | 0.0814% | 3,331 |
| Credit loss provision to net charge-offs | 122.0930% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.5116% | 4,130 |
| Efficiency ratio | 95.5201% | 520 |
| Assets per employee ($millions) | 3.9335% | 4,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6502% | 6,074 |
| Loan loss allowance to noncurrent loans | 56.5495% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 0.9885% | 2,779 |
| Noncurrent loans to loans | 1.1498% | 2,544 |
| Net loans and leases to total assets | 71.4330% | 2,012 |
| Net loans and leases to deposits | 105.1517% | 392 |
| Net loans and leases to core deposits | 107.8614% | 899 |
| Total domestic deposits to total assets | 67.9333% | 6,272 |
| Equity capital to assets | 11.3441% | 2,567 |
| Core capital (leverage) ratio | 11.2846% | 2,152 |
| Tier 1 risk-based capital ratio | 21.2812% | 1,345 |
| Total risk-based capital ratio | 22.1638% | 1,396 |
| Memoranda: | ||
| Average total assets | $301,932,800 | 2,151 |
| Average earning assets | $281,428,200 | 2,113 |
| Average equity | $34,300,400 | 2,031 |
| Average total loans | $211,361,800 | 1,964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 3,630 |
| Cost of funding earning assets | 1.1428% | 113 |
| Net interest margin | 2.8897% | 5,722 |
| Noninterest income to average assets | 1.4084% | 630 |
| Noninterest expense to average assets | 3.9540% | 796 |
| Loan and lease loss provision to assets | 0.0438% | 3,523 |
| Net operating income to assets | 0.0614% | 6,069 |
| Return on assets (ROA) | 0.0614% | 6,100 |
| Pretax return on assets | 0.1016% | 6,055 |
| Return on Equity (ROE) | 0.5405% | 6,093 |
| Retained earnings to average equity (ytd only) | 0.5405% | 5,647 |
| Net charge-offs to loans | 0.0286% | 3,911 |
| Credit loss provision to net charge-offs | 220.0000% | 1,174 |
| Earnings coverage of net charge-offs (x) | 7.3110% | 2,943 |
| Efficiency ratio | 95.4937% | 523 |
| Assets per employee ($millions) | 3.9785% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6665% | 6,143 |
| Loan loss allowance to noncurrent loans | 56.1569% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 2,925 |
| Noncurrent loans to loans | 1.1868% | 2,683 |
| Net loans and leases to total assets | 71.5287% | 1,930 |
| Net loans and leases to deposits | 106.1491% | 322 |
| Net loans and leases to core deposits | 108.9411% | 801 |
| Total domestic deposits to total assets | 67.3851% | 6,368 |
| Equity capital to assets | 11.5266% | 2,457 |
| Core capital (leverage) ratio | 11.4585% | 2,095 |
| Tier 1 risk-based capital ratio | 21.5660% | 1,329 |
| Total risk-based capital ratio | 22.4703% | 1,383 |
| Memoranda: | ||
| Average total assets | $301,695,750 | 2,163 |
| Average earning assets | $280,945,000 | 2,135 |
| Average equity | $34,285,750 | 2,040 |
| Average total loans | $209,759,000 | 1,986 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,686 |
| Cost of funding earning assets | 1.1338% | 126 |
| Net interest margin | 2.8785% | 5,771 |
| Noninterest income to average assets | 1.1248% | 934 |
| Noninterest expense to average assets | 3.7655% | 1,021 |
| Loan and lease loss provision to assets | 0.0324% | 3,637 |
| Net operating income to assets | 0.0053% | 6,179 |
| Return on assets (ROA) | 0.0053% | 6,202 |
| Pretax return on assets | 0.0066% | 6,189 |
| Return on Equity (ROE) | 0.0467% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.0467% | 5,659 |
| Net charge-offs to loans | 0.0433% | 3,362 |
| Credit loss provision to net charge-offs | 108.8889% | 1,840 |
| Earnings coverage of net charge-offs (x) | 1.3111% | 3,845 |
| Efficiency ratio | 97.9167% | 471 |
| Assets per employee ($millions) | 3.8933% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 6,253 |
| Loan loss allowance to noncurrent loans | 67.3161% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8499% | 3,418 |
| Noncurrent loans to loans | 0.9623% | 3,317 |
| Net loans and leases to total assets | 70.7037% | 1,964 |
| Net loans and leases to deposits | 104.3403% | 348 |
| Net loans and leases to core deposits | 106.8482% | 840 |
| Total domestic deposits to total assets | 67.7626% | 6,430 |
| Equity capital to assets | 11.4362% | 2,481 |
| Core capital (leverage) ratio | 11.3322% | 2,134 |
| Tier 1 risk-based capital ratio | 21.5875% | 1,329 |
| Total risk-based capital ratio | 22.4645% | 1,379 |
| Memoranda: | ||
| Average total assets | $302,798,330 | 2,151 |
| Average earning assets | $281,882,000 | 2,123 |
| Average equity | $34,249,670 | 2,028 |
| Average total loans | $208,057,000 | 1,991 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 3,701 |
| Cost of funding earning assets | 1.1320% | 136 |
| Net interest margin | 2.8645% | 5,821 |
| Noninterest income to average assets | 0.8649% | 1,502 |
| Noninterest expense to average assets | 3.6424% | 1,229 |
| Loan and lease loss provision to assets | 0.0197% | 3,568 |
| Net operating income to assets | -0.0868% | 6,276 |
| Return on assets (ROA) | -0.0868% | 6,287 |
| Pretax return on assets | -0.1328% | 6,302 |
| Return on Equity (ROE) | -0.7712% | 6,279 |
| Retained earnings to average equity (ytd only) | -0.7712% | 5,691 |
| Net charge-offs to loans | 0.0214% | 3,148 |
| Credit loss provision to net charge-offs | 136.3636% | 1,328 |
| Earnings coverage of net charge-offs (x) | -7.8182% | 3,592 |
| Efficiency ratio | 102.0112% | 429 |
| Assets per employee ($millions) | 4.0330% | 3,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 6,312 |
| Loan loss allowance to noncurrent loans | 56.9662% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 3,141 |
| Noncurrent loans to loans | 1.1849% | 3,069 |
| Net loans and leases to total assets | 67.2298% | 2,354 |
| Net loans and leases to deposits | 98.7438% | 504 |
| Net loans and leases to core deposits | 101.2260% | 1,020 |
| Total domestic deposits to total assets | 68.0851% | 6,512 |
| Equity capital to assets | 11.3040% | 2,417 |
| Core capital (leverage) ratio | 11.2357% | 2,187 |
| Tier 1 risk-based capital ratio | 21.8980% | 1,309 |
| Total risk-based capital ratio | 22.7896% | 1,342 |
| Memoranda: | ||
| Average total assets | $304,305,000 | 2,152 |
| Average earning assets | $283,047,500 | 2,127 |
| Average equity | $34,232,500 | 2,021 |
| Average total loans | $205,415,000 | 2,009 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 3,595 |
| Cost of funding earning assets | 1.0084% | 424 |
| Net interest margin | 3.1270% | 5,238 |
| Noninterest income to average assets | 1.8887% | 427 |
| Noninterest expense to average assets | 4.6821% | 451 |
| Loan and lease loss provision to assets | 0.2054% | 1,808 |
| Net operating income to assets | -0.0597% | 6,261 |
| Return on assets (ROA) | -0.0597% | 6,294 |
| Pretax return on assets | -0.0955% | 6,283 |
| Return on Equity (ROE) | -0.4849% | 6,296 |
| Retained earnings to average equity (ytd only) | -0.4849% | 5,972 |
| Net charge-offs to loans | 0.3981% | 1,697 |
| Credit loss provision to net charge-offs | 81.5341% | 3,005 |
| Earnings coverage of net charge-offs (x) | 0.4361% | 4,936 |
| Efficiency ratio | 96.6627% | 605 |
| Assets per employee ($millions) | 4.0281% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 6,392 |
| Loan loss allowance to noncurrent loans | 48.1481% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0224% | 3,382 |
| Noncurrent loans to loans | 1.3887% | 2,815 |
| Net loans and leases to total assets | 66.8714% | 2,545 |
| Net loans and leases to deposits | 97.8117% | 601 |
| Net loans and leases to core deposits | 100.4776% | 1,117 |
| Total domestic deposits to total assets | 68.3674% | 6,577 |
| Equity capital to assets | 11.1954% | 2,435 |
| Core capital (leverage) ratio | 11.1237% | 2,264 |
| Tier 1 risk-based capital ratio | 21.5884% | 1,319 |
| Total risk-based capital ratio | 22.4631% | 1,368 |
| Memoranda: | ||
| Average total assets | $279,508,400 | 2,274 |
| Average earning assets | $259,511,400 | 2,250 |
| Average equity | $34,438,400 | 1,997 |
| Average total loans | $176,820,000 | 2,228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 3,604 |
| Cost of funding earning assets | 0.9731% | 564 |
| Net interest margin | 3.1674% | 5,091 |
| Noninterest income to average assets | 1.9727% | 430 |
| Noninterest expense to average assets | 4.8113% | 390 |
| Loan and lease loss provision to assets | 0.2316% | 1,564 |
| Net operating income to assets | -0.0840% | 6,369 |
| Return on assets (ROA) | -0.0840% | 6,409 |
| Pretax return on assets | -0.1324% | 6,424 |
| Return on Equity (ROE) | -0.6651% | 6,399 |
| Retained earnings to average equity (ytd only) | -0.6651% | 6,076 |
| Net charge-offs to loans | 0.5341% | 1,197 |
| Credit loss provision to net charge-offs | 69.8085% | 3,077 |
| Earnings coverage of net charge-offs (x) | 0.2990% | 4,764 |
| Efficiency ratio | 96.9052% | 579 |
| Assets per employee ($millions) | 3.6090% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 6,487 |
| Loan loss allowance to noncurrent loans | 38.0216% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 1.2862% | 3,072 |
| Noncurrent loans to loans | 1.7345% | 2,593 |
| Net loans and leases to total assets | 68.8427% | 2,167 |
| Net loans and leases to deposits | 96.0984% | 680 |
| Net loans and leases to core deposits | 98.5905% | 1,196 |
| Total domestic deposits to total assets | 71.6377% | 6,516 |
| Equity capital to assets | 12.0406% | 1,894 |
| Core capital (leverage) ratio | 11.9472% | 1,701 |
| Tier 1 risk-based capital ratio | 23.0256% | 1,140 |
| Total risk-based capital ratio | 23.9079% | 1,182 |
| Memoranda: | ||
| Average total assets | $272,852,000 | 2,332 |
| Average earning assets | $253,069,750 | 2,308 |
| Average equity | $34,479,750 | 2,013 |
| Average total loans | $169,501,500 | 2,318 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,667 |
| Cost of funding earning assets | 0.9471% | 721 |
| Net interest margin | 3.1701% | 5,046 |
| Noninterest income to average assets | 2.0434% | 428 |
| Noninterest expense to average assets | 4.8972% | 385 |
| Loan and lease loss provision to assets | 0.0848% | 3,382 |
| Net operating income to assets | 0.0007% | 6,301 |
| Return on assets (ROA) | 0.0007% | 6,365 |
| Pretax return on assets | -0.0045% | 6,357 |
| Return on Equity (ROE) | 0.0058% | 6,366 |
| Retained earnings to average equity (ytd only) | 0.0058% | 5,845 |
| Net charge-offs to loans | 0.6944% | 944 |
| Credit loss provision to net charge-offs | 20.5036% | 3,726 |
| Earnings coverage of net charge-offs (x) | 0.1942% | 4,484 |
| Efficiency ratio | 97.2941% | 605 |
| Assets per employee ($millions) | 3.5977% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 6,619 |
| Loan loss allowance to noncurrent loans | 29.7849% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 3,097 |
| Noncurrent loans to loans | 2.0098% | 2,392 |
| Net loans and leases to total assets | 63.8990% | 2,925 |
| Net loans and leases to deposits | 88.0430% | 1,335 |
| Net loans and leases to core deposits | 90.3704% | 1,878 |
| Total domestic deposits to total assets | 72.5771% | 6,532 |
| Equity capital to assets | 12.4413% | 1,616 |
| Core capital (leverage) ratio | 12.3571% | 1,431 |
| Tier 1 risk-based capital ratio | 24.6997% | 908 |
| Total risk-based capital ratio | 25.4701% | 952 |
| Memoranda: | ||
| Average total assets | $268,765,670 | 2,386 |
| Average earning assets | $248,760,670 | 2,358 |
| Average equity | $34,530,000 | 2,011 |
| Average total loans | $160,141,670 | 2,440 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 3,410 |
| Cost of funding earning assets | 0.9682% | 714 |
| Net interest margin | 3.2057% | 4,915 |
| Noninterest income to average assets | 1.8576% | 480 |
| Noninterest expense to average assets | 4.8186% | 417 |
| Loan and lease loss provision to assets | 0.1345% | 2,559 |
| Net operating income to assets | -0.0846% | 6,425 |
| Return on assets (ROA) | -0.0846% | 6,479 |
| Pretax return on assets | -0.1330% | 6,510 |
| Return on Equity (ROE) | -0.6481% | 6,476 |
| Retained earnings to average equity (ytd only) | -0.6481% | 5,906 |
| Net charge-offs to loans | 0.2593% | 1,920 |
| Credit loss provision to net charge-offs | 90.8163% | 2,012 |
| Earnings coverage of net charge-offs (x) | 0.0102% | 3,827 |
| Efficiency ratio | 98.8711% | 595 |
| Assets per employee ($millions) | 3.3592% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 6,018 |
| Loan loss allowance to noncurrent loans | 39.0874% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 2,982 |
| Noncurrent loans to loans | 2.5316% | 2,039 |
| Net loans and leases to total assets | 57.2427% | 3,880 |
| Net loans and leases to deposits | 74.1181% | 2,902 |
| Net loans and leases to core deposits | 76.0973% | 3,309 |
| Total domestic deposits to total assets | 77.2318% | 6,219 |
| Equity capital to assets | 13.1829% | 1,346 |
| Core capital (leverage) ratio | 13.0543% | 1,096 |
| Tier 1 risk-based capital ratio | 26.8654% | 722 |
| Total risk-based capital ratio | 28.0457% | 720 |
| Memoranda: | ||
| Average total assets | $264,638,500 | 2,444 |
| Average earning assets | $244,567,000 | 2,426 |
| Average equity | $34,562,500 | 2,038 |
| Average total loans | $151,173,000 | 2,567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 3,918 |
| Cost of funding earning assets | 1.1246% | 828 |
| Net interest margin | 3.2525% | 5,422 |
| Noninterest income to average assets | 1.0547% | 1,392 |
| Noninterest expense to average assets | 3.7829% | 1,284 |
| Loan and lease loss provision to assets | 0.3794% | 1,725 |
| Net operating income to assets | -0.0742% | 6,263 |
| Return on assets (ROA) | -0.0742% | 6,369 |
| Pretax return on assets | -0.1263% | 6,380 |
| Return on Equity (ROE) | -0.6741% | 6,363 |
| Retained earnings to average equity (ytd only) | -0.6741% | 5,969 |
| Net charge-offs to loans | 0.5196% | 2,166 |
| Credit loss provision to net charge-offs | 129.9870% | 2,153 |
| Earnings coverage of net charge-offs (x) | 0.8670% | 5,038 |
| Efficiency ratio | 92.9481% | 867 |
| Assets per employee ($millions) | 3.4709% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 5,961 |
| Loan loss allowance to noncurrent loans | 41.2022% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 1.4338% | 3,246 |
| Noncurrent loans to loans | 2.4260% | 2,192 |
| Net loans and leases to total assets | 55.8832% | 4,312 |
| Net loans and leases to deposits | 73.1584% | 3,231 |
| Net loans and leases to core deposits | 74.7134% | 3,693 |
| Total domestic deposits to total assets | 76.3866% | 6,305 |
| Equity capital to assets | 12.9401% | 1,476 |
| Core capital (leverage) ratio | 12.8170% | 1,193 |
| Tier 1 risk-based capital ratio | 26.7027% | 713 |
| Total risk-based capital ratio | 27.8810% | 713 |
| Memoranda: | ||
| Average total assets | $262,815,600 | 2,408 |
| Average earning assets | $240,891,000 | 2,401 |
| Average equity | $28,927,200 | 2,328 |
| Average total loans | $147,623,200 | 2,610 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 4,116 |
| Cost of funding earning assets | 1.1515% | 858 |
| Net interest margin | 3.2324% | 5,607 |
| Noninterest income to average assets | 0.7586% | 2,432 |
| Noninterest expense to average assets | 3.5322% | 1,688 |
| Loan and lease loss provision to assets | 0.1600% | 3,515 |
| Net operating income to assets | 0.0265% | 6,244 |
| Return on assets (ROA) | 0.0265% | 6,377 |
| Pretax return on assets | 0.0239% | 6,370 |
| Return on Equity (ROE) | 0.2520% | 6,372 |
| Retained earnings to average equity (ytd only) | 0.2520% | 6,002 |
| Net charge-offs to loans | 0.3433% | 2,735 |
| Credit loss provision to net charge-offs | 83.0688% | 3,529 |
| Earnings coverage of net charge-offs (x) | 0.9550% | 4,844 |
| Efficiency ratio | 94.4338% | 750 |
| Assets per employee ($millions) | 3.8776% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 6,552 |
| Loan loss allowance to noncurrent loans | 37.6317% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 1.2644% | 3,769 |
| Noncurrent loans to loans | 2.1866% | 2,635 |
| Net loans and leases to total assets | 55.4935% | 4,525 |
| Net loans and leases to deposits | 74.0115% | 3,283 |
| Net loans and leases to core deposits | 75.6320% | 3,773 |
| Total domestic deposits to total assets | 74.9795% | 6,522 |
| Equity capital to assets | 10.4632% | 3,889 |
| Core capital (leverage) ratio | 10.3205% | 3,140 |
| Tier 1 risk-based capital ratio | 21.4217% | 1,437 |
| Total risk-based capital ratio | 22.3798% | 1,467 |
| Memoranda: | ||
| Average total assets | $261,703,750 | 2,443 |
| Average earning assets | $239,445,750 | 2,448 |
| Average equity | $27,513,000 | 2,457 |
| Average total loans | $146,813,250 | 2,650 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 4,483 |
| Cost of funding earning assets | 1.1880% | 863 |
| Net interest margin | 3.1335% | 5,907 |
| Noninterest income to average assets | 0.4873% | 4,009 |
| Noninterest expense to average assets | 3.1098% | 2,898 |
| Loan and lease loss provision to assets | 0.1456% | 3,699 |
| Net operating income to assets | 0.0697% | 6,223 |
| Return on assets (ROA) | 0.0697% | 6,363 |
| Pretax return on assets | 0.0973% | 6,334 |
| Return on Equity (ROE) | 0.6621% | 6,358 |
| Retained earnings to average equity (ytd only) | 0.6621% | 5,796 |
| Net charge-offs to loans | 0.3016% | 2,823 |
| Credit loss provision to net charge-offs | 85.9729% | 3,161 |
| Earnings coverage of net charge-offs (x) | 1.4344% | 4,283 |
| Efficiency ratio | 92.7102% | 881 |
| Assets per employee ($millions) | 3.9701% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,458 |
| Loan loss allowance to noncurrent loans | 46.9326% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 4,301 |
| Noncurrent loans to loans | 1.9147% | 3,054 |
| Net loans and leases to total assets | 53.2921% | 4,915 |
| Net loans and leases to deposits | 68.0817% | 4,182 |
| Net loans and leases to core deposits | 69.4908% | 4,597 |
| Total domestic deposits to total assets | 78.2767% | 6,103 |
| Equity capital to assets | 10.6625% | 3,496 |
| Core capital (leverage) ratio | 10.5540% | 2,751 |
| Tier 1 risk-based capital ratio | 21.0772% | 1,466 |
| Total risk-based capital ratio | 22.0441% | 1,493 |
| Memoranda: | ||
| Average total assets | $261,046,330 | 2,447 |
| Average earning assets | $238,711,670 | 2,441 |
| Average equity | $27,487,670 | 2,446 |
| Average total loans | $146,572,000 | 2,661 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3332% | 4,596 |
| Cost of funding earning assets | 1.2000% | 988 |
| Net interest margin | 3.1333% | 5,946 |
| Noninterest income to average assets | 0.4434% | 4,340 |
| Noninterest expense to average assets | 2.9451% | 3,464 |
| Loan and lease loss provision to assets | 0.1371% | 3,638 |
| Net operating income to assets | 0.1539% | 6,110 |
| Return on assets (ROA) | 0.1539% | 6,240 |
| Pretax return on assets | 0.2255% | 6,147 |
| Return on Equity (ROE) | 1.4705% | 6,231 |
| Retained earnings to average equity (ytd only) | 1.4705% | 5,502 |
| Net charge-offs to loans | 0.1808% | 3,017 |
| Credit loss provision to net charge-offs | 132.3529% | 1,844 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,817 |
| Efficiency ratio | 88.9912% | 1,179 |
| Assets per employee ($millions) | 4.4805% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,569 |
| Loan loss allowance to noncurrent loans | 51.3023% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1698% | 4,176 |
| Noncurrent loans to loans | 1.7319% | 3,513 |
| Net loans and leases to total assets | 55.8035% | 4,421 |
| Net loans and leases to deposits | 71.1082% | 3,569 |
| Net loans and leases to core deposits | 72.4113% | 4,085 |
| Total domestic deposits to total assets | 78.4768% | 6,194 |
| Equity capital to assets | 10.6023% | 3,374 |
| Core capital (leverage) ratio | 10.4637% | 2,792 |
| Tier 1 risk-based capital ratio | 20.8598% | 1,520 |
| Total risk-based capital ratio | 21.8571% | 1,541 |
| Memoranda: | ||
| Average total assets | $262,542,000 | 2,453 |
| Average earning assets | $240,006,000 | 2,450 |
| Average equity | $27,474,000 | 2,436 |
| Average total loans | $150,473,000 | 2,622 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 5,176 |
| Cost of funding earning assets | 1.3280% | 1,349 |
| Net interest margin | 3.1429% | 6,242 |
| Noninterest income to average assets | 0.4424% | 4,288 |
| Noninterest expense to average assets | 3.0466% | 3,409 |
| Loan and lease loss provision to assets | 0.1579% | 4,662 |
| Net operating income to assets | 0.0983% | 5,866 |
| Return on assets (ROA) | 0.1772% | 5,793 |
| Pretax return on assets | 0.2045% | 5,772 |
| Return on Equity (ROE) | 1.8046% | 5,733 |
| Retained earnings to average equity (ytd only) | 1.8046% | 4,926 |
| Net charge-offs to loans | -0.0103% | 6,889 |
| Credit loss provision to net charge-offs | -2,588.2353% | 6,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8153% | 1,056 |
| Assets per employee ($millions) | 4.1440% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 6,686 |
| Loan loss allowance to noncurrent loans | 52.7663% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9445% | 4,719 |
| Noncurrent loans to loans | 1.5663% | 3,809 |
| Net loans and leases to total assets | 57.8218% | 4,402 |
| Net loans and leases to deposits | 75.1125% | 3,324 |
| Net loans and leases to core deposits | 76.4509% | 3,914 |
| Total domestic deposits to total assets | 76.9802% | 6,346 |
| Equity capital to assets | 10.3297% | 3,743 |
| Core capital (leverage) ratio | 10.2329% | 3,051 |
| Tier 1 risk-based capital ratio | 20.5502% | 1,510 |
| Total risk-based capital ratio | 21.5196% | 1,554 |
| Memoranda: | ||
| Average total assets | $278,734,400 | 2,278 |
| Average earning assets | $255,050,200 | 2,269 |
| Average equity | $27,374,600 | 2,368 |
| Average total loans | $164,885,800 | 2,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 4,719 |
| Cost of funding earning assets | 1.3450% | 1,477 |
| Net interest margin | 3.2916% | 5,884 |
| Noninterest income to average assets | 0.4457% | 4,326 |
| Noninterest expense to average assets | 3.0233% | 3,469 |
| Loan and lease loss provision to assets | 0.1626% | 4,434 |
| Net operating income to assets | 0.2071% | 5,684 |
| Return on assets (ROA) | 0.2911% | 5,598 |
| Pretax return on assets | 0.3833% | 5,519 |
| Return on Equity (ROE) | 3.0008% | 5,417 |
| Retained earnings to average equity (ytd only) | 3.0008% | 4,550 |
| Net charge-offs to loans | -0.0135% | 6,826 |
| Credit loss provision to net charge-offs | -2,023.5294% | 6,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4146% | 1,397 |
| Assets per employee ($millions) | 4.4330% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7561% | 6,883 |
| Loan loss allowance to noncurrent loans | 55.5138% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8184% | 5,133 |
| Noncurrent loans to loans | 1.3620% | 4,263 |
| Net loans and leases to total assets | 57.4203% | 4,601 |
| Net loans and leases to deposits | 74.3097% | 3,612 |
| Net loans and leases to core deposits | 75.5502% | 4,249 |
| Total domestic deposits to total assets | 77.2716% | 6,336 |
| Equity capital to assets | 10.1862% | 4,108 |
| Core capital (leverage) ratio | 10.0825% | 3,332 |
| Tier 1 risk-based capital ratio | 20.3150% | 1,613 |
| Total risk-based capital ratio | 21.1981% | 1,671 |
| Memoranda: | ||
| Average total assets | $282,114,250 | 2,257 |
| Average earning assets | $258,226,750 | 2,260 |
| Average equity | $27,369,250 | 2,369 |
| Average total loans | $167,449,750 | 2,413 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 2,922 |
| Cost of funding earning assets | 1.3320% | 1,748 |
| Net interest margin | 3.7187% | 4,180 |
| Noninterest income to average assets | 0.3559% | 5,038 |
| Noninterest expense to average assets | 3.0628% | 3,386 |
| Loan and lease loss provision to assets | 0.5028% | 1,947 |
| Net operating income to assets | 0.1590% | 5,856 |
| Return on assets (ROA) | 0.2825% | 5,569 |
| Pretax return on assets | 0.3475% | 5,553 |
| Return on Equity (ROE) | 2.9586% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9586% | 4,397 |
| Net charge-offs to loans | 0.0047% | 5,812 |
| Credit loss provision to net charge-offs | 17,975.0000% | 15 |
| Earnings coverage of net charge-offs (x) | 249.5000% | 134 |
| Efficiency ratio | 81.4429% | 2,179 |
| Assets per employee ($millions) | 4.3710% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,638 |
| Loan loss allowance to noncurrent loans | 52.7111% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 1.0417% | 4,800 |
| Noncurrent loans to loans | 1.7203% | 3,857 |
| Net loans and leases to total assets | 60.0009% | 4,273 |
| Net loans and leases to deposits | 76.9358% | 3,302 |
| Net loans and leases to core deposits | 78.2587% | 4,026 |
| Total domestic deposits to total assets | 77.9882% | 6,291 |
| Equity capital to assets | 9.8303% | 4,355 |
| Core capital (leverage) ratio | 9.6784% | 3,687 |
| Tier 1 risk-based capital ratio | 19.2308% | 1,775 |
| Total risk-based capital ratio | 20.3248% | 1,782 |
| Memoranda: | ||
| Average total assets | $286,014,000 | 2,242 |
| Average earning assets | $261,865,000 | 2,238 |
| Average equity | $27,310,670 | 2,362 |
| Average total loans | $171,114,330 | 2,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 3,948 |
| Cost of funding earning assets | 1.3209% | 2,061 |
| Net interest margin | 3.5013% | 5,007 |
| Noninterest income to average assets | 0.2393% | 5,992 |
| Noninterest expense to average assets | 2.8636% | 4,219 |
| Loan and lease loss provision to assets | 0.4275% | 2,052 |
| Net operating income to assets | 0.1065% | 6,080 |
| Return on assets (ROA) | 0.1065% | 6,133 |
| Pretax return on assets | 0.1494% | 6,058 |
| Return on Equity (ROE) | 1.1317% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.1317% | 5,368 |
| Net charge-offs to loans | 0.0116% | 4,924 |
| Credit loss provision to net charge-offs | 6,180.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 83.4000% | 367 |
| Efficiency ratio | 83.2328% | 2,050 |
| Assets per employee ($millions) | 4.4334% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6516% | 7,141 |
| Loan loss allowance to noncurrent loans | 40.0356% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 4,891 |
| Noncurrent loans to loans | 1.6275% | 4,036 |
| Net loans and leases to total assets | 61.4152% | 3,981 |
| Net loans and leases to deposits | 78.6344% | 2,951 |
| Net loans and leases to core deposits | 80.1062% | 3,741 |
| Total domestic deposits to total assets | 78.1022% | 6,365 |
| Equity capital to assets | 9.7599% | 4,094 |
| Core capital (leverage) ratio | 9.5805% | 3,688 |
| Tier 1 risk-based capital ratio | 18.6223% | 1,918 |
| Total risk-based capital ratio | 19.4077% | 2,035 |
| Memoranda: | ||
| Average total assets | $289,148,000 | 2,238 |
| Average earning assets | $264,360,000 | 2,240 |
| Average equity | $27,216,000 | 2,355 |
| Average total loans | $171,978,500 | 2,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6115% | 6,074 |
| Cost of funding earning assets | 1.7383% | 1,432 |
| Net interest margin | 2.8732% | 6,930 |
| Noninterest income to average assets | 2.1560% | 350 |
| Noninterest expense to average assets | 2.8919% | 4,260 |
| Loan and lease loss provision to assets | -0.0499% | 7,591 |
| Net operating income to assets | 1.3121% | 1,140 |
| Return on assets (ROA) | 1.3969% | 1,031 |
| Pretax return on assets | 2.0794% | 407 |
| Return on Equity (ROE) | 14.5369% | 785 |
| Retained earnings to average equity (ytd only) | 14.5369% | 143 |
| Net charge-offs to loans | 0.1078% | 5,794 |
| Credit loss provision to net charge-offs | -70.7317% | 7,015 |
| Earnings coverage of net charge-offs (x) | 26.9634% | 808 |
| Efficiency ratio | 60.3123% | 5,998 |
| Assets per employee ($millions) | 6.1018% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 7,374 |
| Loan loss allowance to noncurrent loans | 29.8545% | 6,302 |
| Noncurrent assets plus other real estate owned to assets | 1.0248% | 4,949 |
| Noncurrent loans to loans | 1.6054% | 4,094 |
| Net loans and leases to total assets | 57.0168% | 5,185 |
| Net loans and leases to deposits | 70.7652% | 4,714 |
| Net loans and leases to core deposits | 72.0564% | 5,203 |
| Total domestic deposits to total assets | 80.5719% | 5,667 |
| Equity capital to assets | 9.0880% | 5,007 |
| Core capital (leverage) ratio | 8.9394% | 4,637 |
| Tier 1 risk-based capital ratio | 17.6585% | 2,105 |
| Total risk-based capital ratio | 18.2025% | 2,328 |
| Memoranda: | ||
| Average total assets | $232,373,800 | 2,715 |
| Average earning assets | $213,421,400 | 2,710 |
| Average equity | $22,329,400 | 2,840 |
| Average total loans | $152,178,600 | 2,734 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9815% | 4,901 |
| Cost of funding earning assets | 1.8851% | 1,076 |
| Net interest margin | 3.0965% | 6,623 |
| Noninterest income to average assets | 0.0933% | 7,078 |
| Noninterest expense to average assets | 2.9970% | 3,758 |
| Loan and lease loss provision to assets | -0.1700% | 7,708 |
| Net operating income to assets | 0.1035% | 5,769 |
| Return on assets (ROA) | 0.2707% | 5,439 |
| Pretax return on assets | 0.2948% | 5,527 |
| Return on Equity (ROE) | 2.7653% | 5,320 |
| Retained earnings to average equity (ytd only) | 2.7653% | 4,497 |
| Net charge-offs to loans | -0.0027% | 7,180 |
| Credit loss provision to net charge-offs | 9,166.6667% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9340% | 689 |
| Assets per employee ($millions) | 4.4734% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 7,367 |
| Loan loss allowance to noncurrent loans | 55.7498% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 5,732 |
| Noncurrent loans to loans | 1.0491% | 5,145 |
| Net loans and leases to total assets | 65.6256% | 3,773 |
| Net loans and leases to deposits | 86.8038% | 2,184 |
| Net loans and leases to core deposits | 88.0128% | 3,370 |
| Total domestic deposits to total assets | 75.6023% | 6,717 |
| Equity capital to assets | 9.9818% | 4,177 |
| Core capital (leverage) ratio | 9.7057% | 3,613 |
| Tier 1 risk-based capital ratio | 19.9132% | 1,566 |
| Total risk-based capital ratio | 20.7092% | 1,622 |
| Memoranda: | ||
| Average total assets | $215,720,000 | 2,970 |
| Average earning assets | $198,327,000 | 2,946 |
| Average equity | $21,118,750 | 3,033 |
| Average total loans | $147,399,500 | 2,852 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 4,487 |
| Cost of funding earning assets | 1.9110% | 1,200 |
| Net interest margin | 3.1843% | 6,366 |
| Noninterest income to average assets | -0.0361% | 7,575 |
| Noninterest expense to average assets | 3.0261% | 3,614 |
| Loan and lease loss provision to assets | -0.1962% | 7,781 |
| Net operating income to assets | 0.0601% | 5,972 |
| Return on assets (ROA) | 0.3268% | 5,240 |
| Pretax return on assets | 0.3323% | 5,414 |
| Return on Equity (ROE) | 3.3597% | 5,074 |
| Retained earnings to average equity (ytd only) | 3.3597% | 3,970 |
| Net charge-offs to loans | -0.0027% | 7,081 |
| Credit loss provision to net charge-offs | 10,600.0000% | 35 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7085% | 662 |
| Assets per employee ($millions) | 4.6810% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 7,396 |
| Loan loss allowance to noncurrent loans | 41.5772% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9952% | 5,154 |
| Noncurrent loans to loans | 1.4683% | 4,507 |
| Net loans and leases to total assets | 67.3676% | 3,530 |
| Net loans and leases to deposits | 88.9110% | 2,013 |
| Net loans and leases to core deposits | 89.8304% | 3,295 |
| Total domestic deposits to total assets | 75.7698% | 6,735 |
| Equity capital to assets | 9.8381% | 4,219 |
| Core capital (leverage) ratio | 9.6279% | 3,644 |
| Tier 1 risk-based capital ratio | 19.5120% | 1,603 |
| Total risk-based capital ratio | 20.3537% | 1,661 |
| Memoranda: | ||
| Average total assets | $216,053,000 | 2,983 |
| Average earning assets | $198,537,330 | 2,971 |
| Average equity | $21,014,000 | 3,042 |
| Average total loans | $149,285,670 | 2,848 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 4,133 |
| Cost of funding earning assets | 1.9434% | 1,268 |
| Net interest margin | 3.2363% | 6,175 |
| Noninterest income to average assets | -0.3807% | 7,841 |
| Noninterest expense to average assets | 3.0275% | 3,570 |
| Loan and lease loss provision to assets | -0.2477% | 7,884 |
| Net operating income to assets | -0.1109% | 6,441 |
| Return on assets (ROA) | 0.4325% | 4,832 |
| Pretax return on assets | 0.3530% | 5,445 |
| Return on Equity (ROE) | 4.4723% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.4723% | 3,475 |
| Net charge-offs to loans | -0.0026% | 6,772 |
| Credit loss provision to net charge-offs | 13,400.0000% | 30 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.9165% | 484 |
| Assets per employee ($millions) | 4.8768% | 2,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6426% | 7,439 |
| Loan loss allowance to noncurrent loans | 38.2005% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 4,815 |
| Noncurrent loans to loans | 1.6823% | 4,227 |
| Net loans and leases to total assets | 69.7461% | 2,997 |
| Net loans and leases to deposits | 92.0338% | 1,610 |
| Net loans and leases to core deposits | 93.0461% | 2,971 |
| Total domestic deposits to total assets | 75.7831% | 6,792 |
| Equity capital to assets | 9.7816% | 4,134 |
| Core capital (leverage) ratio | 9.6008% | 3,643 |
| Tier 1 risk-based capital ratio | 19.1157% | 1,692 |
| Total risk-based capital ratio | 20.0168% | 1,744 |
| Memoranda: | ||
| Average total assets | $216,416,500 | 3,033 |
| Average earning assets | $198,623,500 | 3,018 |
| Average equity | $20,929,000 | 3,072 |
| Average total loans | $150,953,000 | 2,877 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 5,442 |
| Cost of funding earning assets | 2.4799% | 1,071 |
| Net interest margin | 2.7634% | 7,120 |
| Noninterest income to average assets | 0.3276% | 5,737 |
| Noninterest expense to average assets | 2.8592% | 4,700 |
| Loan and lease loss provision to assets | 0.1137% | 6,507 |
| Net operating income to assets | -0.0925% | 5,669 |
| Return on assets (ROA) | 0.1819% | 5,029 |
| Pretax return on assets | 0.1755% | 5,061 |
| Return on Equity (ROE) | 1.9486% | 4,931 |
| Retained earnings to average equity (ytd only) | 1.9486% | 3,734 |
| Net charge-offs to loans | -0.0032% | 7,707 |
| Credit loss provision to net charge-offs | -5,040.0000% | 7,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4819% | 1,130 |
| Assets per employee ($millions) | 4.6437% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 7,312 |
| Loan loss allowance to noncurrent loans | 40.5445% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 1.2453% | 4,605 |
| Noncurrent loans to loans | 1.7967% | 3,941 |
| Net loans and leases to total assets | 68.8077% | 3,529 |
| Net loans and leases to deposits | 89.0418% | 2,380 |
| Net loans and leases to core deposits | 100.6427% | 3,937 |
| Total domestic deposits to total assets | 77.2758% | 6,389 |
| Equity capital to assets | 9.5617% | 4,337 |
| Core capital (leverage) ratio | 9.3378% | 3,918 |
| Tier 1 risk-based capital ratio | 18.7456% | 1,710 |
| Total risk-based capital ratio | 19.7632% | 1,711 |
| Memoranda: | ||
| Average total assets | $221,604,000 | 2,921 |
| Average earning assets | $204,204,200 | 2,914 |
| Average equity | $20,681,400 | 3,110 |
| Average total loans | $155,890,800 | 2,833 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2656% | 5,591 |
| Cost of funding earning assets | 2.5331% | 1,199 |
| Net interest margin | 2.7325% | 7,162 |
| Noninterest income to average assets | 0.3315% | 5,834 |
| Noninterest expense to average assets | 2.8471% | 4,688 |
| Loan and lease loss provision to assets | 0.1792% | 5,569 |
| Net operating income to assets | -0.1043% | 5,897 |
| Return on assets (ROA) | -0.0575% | 5,869 |
| Pretax return on assets | -0.1007% | 5,846 |
| Return on Equity (ROE) | -0.6203% | 5,872 |
| Retained earnings to average equity (ytd only) | -0.6203% | 5,384 |
| Net charge-offs to loans | -0.0034% | 7,607 |
| Credit loss provision to net charge-offs | -7,475.0000% | 7,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8109% | 1,068 |
| Assets per employee ($millions) | 4.6969% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 7,231 |
| Loan loss allowance to noncurrent loans | 41.0229% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2666% | 4,535 |
| Noncurrent loans to loans | 1.8537% | 3,837 |
| Net loans and leases to total assets | 67.8079% | 3,998 |
| Net loans and leases to deposits | 86.0835% | 3,301 |
| Net loans and leases to core deposits | 97.4741% | 4,664 |
| Total domestic deposits to total assets | 78.7699% | 5,875 |
| Equity capital to assets | 9.4345% | 4,830 |
| Core capital (leverage) ratio | 9.0338% | 4,597 |
| Tier 1 risk-based capital ratio | 18.3262% | 1,902 |
| Total risk-based capital ratio | 19.3877% | 1,900 |
| Memoranda: | ||
| Average total assets | $222,441,000 | 2,925 |
| Average earning assets | $205,227,500 | 2,919 |
| Average equity | $20,634,500 | 3,152 |
| Average total loans | $157,043,750 | 2,839 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 5,642 |
| Cost of funding earning assets | 2.5978% | 1,290 |
| Net interest margin | 2.7059% | 7,183 |
| Noninterest income to average assets | 0.2861% | 6,219 |
| Noninterest expense to average assets | 2.8914% | 4,530 |
| Loan and lease loss provision to assets | 0.1964% | 5,097 |
| Net operating income to assets | -0.1911% | 6,171 |
| Return on assets (ROA) | -0.1211% | 6,084 |
| Pretax return on assets | -0.1991% | 6,123 |
| Return on Equity (ROE) | -1.3126% | 6,122 |
| Retained earnings to average equity (ytd only) | -1.3126% | 5,571 |
| Net charge-offs to loans | -0.0038% | 7,506 |
| Credit loss provision to net charge-offs | -7,300.0000% | 7,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0336% | 1,032 |
| Assets per employee ($millions) | 5.1131% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,433 |
| Loan loss allowance to noncurrent loans | 47.6318% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 0.9948% | 4,977 |
| Noncurrent loans to loans | 1.4624% | 4,300 |
| Net loans and leases to total assets | 67.5475% | 4,242 |
| Net loans and leases to deposits | 87.2827% | 3,306 |
| Net loans and leases to core deposits | 98.1521% | 4,686 |
| Total domestic deposits to total assets | 77.3893% | 6,229 |
| Equity capital to assets | 9.1556% | 5,088 |
| Core capital (leverage) ratio | 8.8337% | 4,890 |
| Tier 1 risk-based capital ratio | 17.5357% | 2,138 |
| Total risk-based capital ratio | 18.4816% | 2,164 |
| Memoranda: | ||
| Average total assets | $223,003,670 | 2,937 |
| Average earning assets | $205,477,670 | 2,928 |
| Average equity | $20,570,330 | 3,165 |
| Average total loans | $159,113,330 | 2,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 5,669 |
| Cost of funding earning assets | 2.6495% | 1,415 |
| Net interest margin | 2.6980% | 7,208 |
| Noninterest income to average assets | 0.2090% | 6,798 |
| Noninterest expense to average assets | 2.9511% | 3,969 |
| Loan and lease loss provision to assets | 0.1892% | 4,549 |
| Net operating income to assets | -0.3246% | 6,710 |
| Return on assets (ROA) | -0.2000% | 6,640 |
| Pretax return on assets | -0.2648% | 6,636 |
| Return on Equity (ROE) | -2.1599% | 6,681 |
| Retained earnings to average equity (ytd only) | -2.1599% | 6,133 |
| Net charge-offs to loans | -0.0025% | 7,123 |
| Credit loss provision to net charge-offs | -10,500.0000% | 6,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8372% | 839 |
| Assets per employee ($millions) | 5.1966% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5948% | 7,664 |
| Loan loss allowance to noncurrent loans | 41.4666% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 4,651 |
| Noncurrent loans to loans | 1.4345% | 4,153 |
| Net loans and leases to total assets | 71.0463% | 3,454 |
| Net loans and leases to deposits | 89.9095% | 2,945 |
| Net loans and leases to core deposits | 100.6415% | 4,482 |
| Total domestic deposits to total assets | 79.0197% | 5,720 |
| Equity capital to assets | 9.2010% | 5,084 |
| Core capital (leverage) ratio | 8.9018% | 4,859 |
| Tier 1 risk-based capital ratio | 17.9165% | 2,080 |
| Total risk-based capital ratio | 18.7767% | 2,120 |
| Memoranda: | ||
| Average total assets | $222,016,500 | 2,963 |
| Average earning assets | $205,929,500 | 2,939 |
| Average equity | $20,556,500 | 3,178 |
| Average total loans | $162,153,500 | 2,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6166% | 7,019 |
| Cost of funding earning assets | 2.7522% | 2,914 |
| Net interest margin | 2.8643% | 7,224 |
| Noninterest income to average assets | 0.2102% | 6,932 |
| Noninterest expense to average assets | 2.8161% | 4,755 |
| Loan and lease loss provision to assets | 0.2337% | 4,559 |
| Net operating income to assets | -0.1308% | 6,536 |
| Return on assets (ROA) | -0.1138% | 6,369 |
| Pretax return on assets | -0.1608% | 6,334 |
| Return on Equity (ROE) | -1.1966% | 6,391 |
| Retained earnings to average equity (ytd only) | -1.1966% | 5,656 |
| Net charge-offs to loans | -0.0269% | 7,957 |
| Credit loss provision to net charge-offs | -1,212.1951% | 7,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2928% | 1,053 |
| Assets per employee ($millions) | 4.7952% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 7,832 |
| Loan loss allowance to noncurrent loans | 117.8771% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 6,310 |
| Noncurrent loans to loans | 0.4350% | 6,046 |
| Net loans and leases to total assets | 74.2397% | 3,044 |
| Net loans and leases to deposits | 96.6877% | 2,340 |
| Net loans and leases to core deposits | 108.4224% | 3,918 |
| Total domestic deposits to total assets | 76.7830% | 6,041 |
| Equity capital to assets | 9.3177% | 4,917 |
| Core capital (leverage) ratio | 9.0616% | 4,651 |
| Tier 1 risk-based capital ratio | 17.9585% | 2,048 |
| Total risk-based capital ratio | 18.7202% | 2,124 |
| Memoranda: | ||
| Average total assets | $212,636,200 | 2,970 |
| Average earning assets | $197,078,000 | 2,923 |
| Average equity | $20,223,600 | 3,192 |
| Average total loans | $152,217,200 | 2,888 |