Home > Preferred Community Bank > Performance and Condition Ratios
Preferred Community Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3349% | 2,644 |
| Cost of funding earning assets | 0.4060% | 3,679 |
| Net interest margin | 3.9288% | 2,113 |
| Noninterest income to average assets | 0.8353% | 1,368 |
| Noninterest expense to average assets | 3.0876% | 1,819 |
| Loan and lease loss provision to assets | -0.0340% | 5,351 |
| Net operating income to assets | 0.9544% | 3,214 |
| Return on assets (ROA) | 0.9544% | 3,219 |
| Pretax return on assets | 1.2878% | 2,563 |
| Return on Equity (ROE) | 8.2688% | 3,378 |
| Retained earnings to average equity (ytd only) | 8.2688% | 1,508 |
| Net charge-offs to loans | 0.0048% | 3,001 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,502 |
| Earnings coverage of net charge-offs (x) | 368.5000% | 249 |
| Efficiency ratio | 70.6897% | 2,215 |
| Assets per employee ($millions) | 4.6359% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.4669% | 2,370 |
| Net loans and leases to deposits | 81.2398% | 2,839 |
| Net loans and leases to core deposits | 85.0067% | 3,009 |
| Total domestic deposits to total assets | 87.9704% | 1,400 |
| Equity capital to assets | 11.9227% | 1,905 |
| Core capital (leverage) ratio | 12.4103% | 1,483 |
| Tier 1 risk-based capital ratio | 20.1481% | 1,297 |
| Total risk-based capital ratio | 21.4025% | 1,272 |
| Memoranda: | ||
| Average total assets | $117,565,330 | 3,900 |
| Average earning assets | $104,916,330 | 3,971 |
| Average equity | $13,569,000 | 3,860 |
| Average total loans | $82,889,670 | 3,663 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 2,536 |
| Cost of funding earning assets | 0.4307% | 3,365 |
| Net interest margin | 3.8646% | 2,179 |
| Noninterest income to average assets | 0.6351% | 2,102 |
| Noninterest expense to average assets | 3.2196% | 1,528 |
| Loan and lease loss provision to assets | -0.1182% | 5,517 |
| Net operating income to assets | 0.7095% | 4,066 |
| Return on assets (ROA) | 0.7095% | 4,075 |
| Pretax return on assets | 0.9595% | 3,669 |
| Return on Equity (ROE) | 6.2479% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.2479% | 2,607 |
| Net charge-offs to loans | -0.0049% | 4,003 |
| Credit loss provision to net charge-offs | 3,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7854% | 1,286 |
| Assets per employee ($millions) | 4.5836% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 3,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,902 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 69.5653% | 2,552 |
| Net loans and leases to deposits | 79.2738% | 2,892 |
| Net loans and leases to core deposits | 82.7747% | 3,083 |
| Total domestic deposits to total assets | 87.7531% | 1,758 |
| Equity capital to assets | 11.3180% | 2,288 |
| Core capital (leverage) ratio | 11.7668% | 1,802 |
| Tier 1 risk-based capital ratio | 19.6389% | 1,409 |
| Total risk-based capital ratio | 20.8909% | 1,375 |
| Memoranda: | ||
| Average total assets | $118,399,500 | 3,926 |
| Average earning assets | $104,954,000 | 4,013 |
| Average equity | $13,444,500 | 3,908 |
| Average total loans | $82,426,500 | 3,701 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0498% | 3,246 |
| Cost of funding earning assets | 0.4124% | 3,133 |
| Net interest margin | 3.6375% | 3,033 |
| Noninterest income to average assets | 0.6846% | 2,034 |
| Noninterest expense to average assets | 2.9436% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3651% | 4,796 |
| Return on assets (ROA) | 0.3651% | 4,814 |
| Pretax return on assets | 0.9156% | 3,857 |
| Return on Equity (ROE) | 3.2130% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.2130% | 3,380 |
| Net charge-offs to loans | -0.0115% | 4,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7846% | 1,655 |
| Assets per employee ($millions) | 4.3565% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 2,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5449% | 2,739 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 67.9833% | 2,819 |
| Net loans and leases to deposits | 80.2767% | 2,884 |
| Net loans and leases to core deposits | 84.4905% | 3,026 |
| Total domestic deposits to total assets | 84.6862% | 2,953 |
| Equity capital to assets | 11.3929% | 2,291 |
| Core capital (leverage) ratio | 11.5935% | 1,873 |
| Tier 1 risk-based capital ratio | 19.6692% | 1,386 |
| Total risk-based capital ratio | 20.9237% | 1,349 |
| Memoranda: | ||
| Average total assets | $116,421,200 | 3,955 |
| Average earning assets | $101,609,400 | 4,069 |
| Average equity | $13,227,400 | 3,955 |
| Average total loans | $77,976,400 | 3,790 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 3,531 |
| Cost of funding earning assets | 0.3967% | 3,231 |
| Net interest margin | 3.5496% | 3,322 |
| Noninterest income to average assets | 0.6935% | 2,031 |
| Noninterest expense to average assets | 2.9199% | 2,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5316% | 4,646 |
| Return on assets (ROA) | 0.5316% | 4,678 |
| Pretax return on assets | 0.8761% | 4,121 |
| Return on Equity (ROE) | 4.6823% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.6823% | 3,089 |
| Net charge-offs to loans | -0.0138% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4065% | 1,532 |
| Assets per employee ($millions) | 4.3530% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 2,886 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.0376% | 2,978 |
| Net loans and leases to deposits | 81.3425% | 2,843 |
| Net loans and leases to core deposits | 84.9048% | 3,052 |
| Total domestic deposits to total assets | 82.4140% | 3,656 |
| Equity capital to assets | 11.4906% | 2,383 |
| Core capital (leverage) ratio | 11.1796% | 2,295 |
| Tier 1 risk-based capital ratio | 19.7294% | 1,429 |
| Total risk-based capital ratio | 20.9859% | 1,387 |
| Memoranda: | ||
| Average total assets | $116,120,000 | 3,999 |
| Average earning assets | $101,493,750 | 4,111 |
| Average equity | $13,184,000 | 4,003 |
| Average total loans | $77,226,750 | 3,837 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,628 |
| Cost of funding earning assets | 0.3902% | 3,178 |
| Net interest margin | 3.4899% | 3,444 |
| Noninterest income to average assets | 0.7350% | 1,837 |
| Noninterest expense to average assets | 2.9019% | 2,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5413% | 4,565 |
| Return on assets (ROA) | 0.5413% | 4,602 |
| Pretax return on assets | 0.8958% | 3,951 |
| Return on Equity (ROE) | 4.7870% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.7870% | 2,857 |
| Net charge-offs to loans | -0.0105% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9107% | 1,735 |
| Assets per employee ($millions) | 4.6439% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5521% | 2,924 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 66.2102% | 3,071 |
| Net loans and leases to deposits | 78.7429% | 3,042 |
| Net loans and leases to core deposits | 82.4216% | 3,217 |
| Total domestic deposits to total assets | 84.0840% | 3,161 |
| Equity capital to assets | 11.4809% | 2,333 |
| Core capital (leverage) ratio | 10.9801% | 2,431 |
| Tier 1 risk-based capital ratio | 19.7361% | 1,425 |
| Total risk-based capital ratio | 20.9933% | 1,387 |
| Memoranda: | ||
| Average total assets | $115,649,670 | 4,031 |
| Average earning assets | $101,493,000 | 4,140 |
| Average equity | $13,077,000 | 4,021 |
| Average total loans | $76,369,670 | 3,870 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 3,741 |
| Cost of funding earning assets | 0.3889% | 3,107 |
| Net interest margin | 3.4203% | 3,570 |
| Noninterest income to average assets | 0.6203% | 2,317 |
| Noninterest expense to average assets | 2.8936% | 2,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4228% | 4,885 |
| Return on assets (ROA) | 0.4228% | 4,906 |
| Pretax return on assets | 0.7139% | 4,408 |
| Return on Equity (ROE) | 3.7680% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.7680% | 3,566 |
| Net charge-offs to loans | -0.0106% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6350% | 1,424 |
| Assets per employee ($millions) | 4.5130% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 2,678 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.6682% | 3,312 |
| Net loans and leases to deposits | 75.6933% | 3,232 |
| Net loans and leases to core deposits | 80.3820% | 3,251 |
| Total domestic deposits to total assets | 84.1134% | 3,438 |
| Equity capital to assets | 11.1251% | 2,512 |
| Core capital (leverage) ratio | 10.9493% | 2,413 |
| Tier 1 risk-based capital ratio | 18.2895% | 1,783 |
| Total risk-based capital ratio | 19.5444% | 1,748 |
| Memoranda: | ||
| Average total assets | $115,426,000 | 4,074 |
| Average earning assets | $100,809,500 | 4,192 |
| Average equity | $12,951,000 | 4,071 |
| Average total loans | $75,618,500 | 3,915 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 1,854 |
| Cost of funding earning assets | 0.4200% | 2,807 |
| Net interest margin | 3.9698% | 1,733 |
| Noninterest income to average assets | 1.6647% | 431 |
| Noninterest expense to average assets | 3.0623% | 2,134 |
| Loan and lease loss provision to assets | 0.0359% | 3,648 |
| Net operating income to assets | 1.1359% | 1,745 |
| Return on assets (ROA) | 1.1359% | 1,839 |
| Pretax return on assets | 1.8407% | 711 |
| Return on Equity (ROE) | 9.8209% | 2,039 |
| Retained earnings to average equity (ytd only) | 9.8209% | 438 |
| Net charge-offs to loans | -0.0039% | 4,772 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6303% | 4,324 |
| Assets per employee ($millions) | 4.3659% | 3,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 2,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 2,687 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 65.6553% | 3,121 |
| Net loans and leases to deposits | 76.7760% | 3,229 |
| Net loans and leases to core deposits | 82.2868% | 3,190 |
| Total domestic deposits to total assets | 85.5154% | 2,824 |
| Equity capital to assets | 11.3184% | 2,316 |
| Core capital (leverage) ratio | 11.2197% | 2,154 |
| Tier 1 risk-based capital ratio | 18.0183% | 1,843 |
| Total risk-based capital ratio | 19.2785% | 1,799 |
| Memoranda: | ||
| Average total assets | $108,545,200 | 4,199 |
| Average earning assets | $89,526,400 | 4,398 |
| Average equity | $12,554,800 | 4,162 |
| Average total loans | $77,171,000 | 3,873 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,642 |
| Cost of funding earning assets | 0.4340% | 2,695 |
| Net interest margin | 4.0332% | 1,569 |
| Noninterest income to average assets | 2.0390% | 344 |
| Noninterest expense to average assets | 3.0927% | 2,046 |
| Loan and lease loss provision to assets | 0.0485% | 3,281 |
| Net operating income to assets | 1.3494% | 1,168 |
| Return on assets (ROA) | 1.3494% | 1,246 |
| Pretax return on assets | 2.1770% | 407 |
| Return on Equity (ROE) | 11.6008% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.6008% | 348 |
| Net charge-offs to loans | -0.0069% | 4,683 |
| Credit loss provision to net charge-offs | -975.0000% | 5,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8037% | 4,842 |
| Assets per employee ($millions) | 4.1179% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 2,347 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 70.6328% | 2,403 |
| Net loans and leases to deposits | 83.5669% | 2,534 |
| Net loans and leases to core deposits | 89.9139% | 2,586 |
| Total domestic deposits to total assets | 84.5225% | 3,020 |
| Equity capital to assets | 12.0740% | 2,063 |
| Core capital (leverage) ratio | 11.0571% | 2,392 |
| Tier 1 risk-based capital ratio | 18.2418% | 1,852 |
| Total risk-based capital ratio | 19.5029% | 1,822 |
| Memoranda: | ||
| Average total assets | $107,303,000 | 4,252 |
| Average earning assets | $87,239,500 | 4,487 |
| Average equity | $12,481,500 | 4,208 |
| Average total loans | $77,581,750 | 3,887 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 1,411 |
| Cost of funding earning assets | 0.4601% | 2,474 |
| Net interest margin | 4.0779% | 1,419 |
| Noninterest income to average assets | 2.6969% | 234 |
| Noninterest expense to average assets | 3.1048% | 2,049 |
| Loan and lease loss provision to assets | 0.0726% | 2,682 |
| Net operating income to assets | 1.7116% | 569 |
| Return on assets (ROA) | 1.7116% | 596 |
| Pretax return on assets | 2.7546% | 149 |
| Return on Equity (ROE) | 14.9031% | 682 |
| Retained earnings to average equity (ytd only) | 14.9031% | 149 |
| Net charge-offs to loans | -0.0128% | 4,781 |
| Credit loss provision to net charge-offs | -780.0000% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3391% | 5,425 |
| Assets per employee ($millions) | 4.6308% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8503% | 2,467 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.8399% | 2,657 |
| Net loans and leases to deposits | 79.0895% | 3,047 |
| Net loans and leases to core deposits | 84.2497% | 3,059 |
| Total domestic deposits to total assets | 87.0406% | 1,896 |
| Equity capital to assets | 11.4667% | 2,578 |
| Core capital (leverage) ratio | 10.5780% | 2,877 |
| Tier 1 risk-based capital ratio | 16.9324% | 2,239 |
| Total risk-based capital ratio | 18.1927% | 2,198 |
| Memoranda: | ||
| Average total assets | $107,382,330 | 4,280 |
| Average earning assets | $85,190,670 | 4,558 |
| Average equity | $12,333,000 | 4,260 |
| Average total loans | $77,901,000 | 3,906 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 813 |
| Cost of funding earning assets | 0.4855% | 2,225 |
| Net interest margin | 4.3362% | 856 |
| Noninterest income to average assets | 4.4851% | 138 |
| Noninterest expense to average assets | 3.0482% | 2,249 |
| Loan and lease loss provision to assets | 0.1175% | 1,792 |
| Net operating income to assets | 2.9572% | 101 |
| Return on assets (ROA) | 2.9572% | 100 |
| Pretax return on assets | 4.7392% | 57 |
| Return on Equity (ROE) | 25.7267% | 90 |
| Retained earnings to average equity (ytd only) | 25.7267% | 43 |
| Net charge-offs to loans | -0.0154% | 4,730 |
| Credit loss provision to net charge-offs | -1,033.3333% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5612% | 5,993 |
| Assets per employee ($millions) | 4.0842% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 3,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 2,551 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.8503% | 2,366 |
| Net loans and leases to deposits | 80.5349% | 2,724 |
| Net loans and leases to core deposits | 85.6035% | 2,785 |
| Total domestic deposits to total assets | 86.7329% | 2,337 |
| Equity capital to assets | 11.3718% | 2,554 |
| Core capital (leverage) ratio | 10.3803% | 3,095 |
| Tier 1 risk-based capital ratio | 15.5044% | 2,913 |
| Total risk-based capital ratio | 16.7686% | 2,840 |
| Memoranda: | ||
| Average total assets | $105,504,000 | 4,355 |
| Average earning assets | $83,207,000 | 4,642 |
| Average equity | $12,127,500 | 4,313 |
| Average total loans | $78,096,500 | 3,914 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 1,003 |
| Cost of funding earning assets | 0.5131% | 2,042 |
| Net interest margin | 4.2407% | 1,079 |
| Noninterest income to average assets | 0.7246% | 2,092 |
| Noninterest expense to average assets | 3.1923% | 1,986 |
| Loan and lease loss provision to assets | 0.0579% | 3,154 |
| Net operating income to assets | 0.6917% | 3,855 |
| Return on assets (ROA) | 0.7099% | 3,873 |
| Pretax return on assets | 1.1501% | 2,841 |
| Return on Equity (ROE) | 5.9429% | 4,058 |
| Retained earnings to average equity (ytd only) | 5.9429% | 1,825 |
| Net charge-offs to loans | 0.0013% | 4,434 |
| Credit loss provision to net charge-offs | 5,500.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 1,120.0000% | 47 |
| Efficiency ratio | 73.0185% | 2,745 |
| Assets per employee ($millions) | 4.1973% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 3,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 2,323 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 76.6536% | 1,314 |
| Net loans and leases to deposits | 92.5530% | 1,342 |
| Net loans and leases to core deposits | 99.4360% | 1,559 |
| Total domestic deposits to total assets | 82.8213% | 3,896 |
| Equity capital to assets | 11.6295% | 2,249 |
| Core capital (leverage) ratio | 10.6844% | 2,726 |
| Tier 1 risk-based capital ratio | 14.8595% | 3,236 |
| Total risk-based capital ratio | 16.1288% | 3,166 |
| Memoranda: | ||
| Average total assets | $94,947,000 | 4,563 |
| Average earning assets | $81,660,400 | 4,681 |
| Average equity | $11,341,200 | 4,419 |
| Average total loans | $75,017,400 | 3,969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 836 |
| Cost of funding earning assets | 0.5287% | 1,973 |
| Net interest margin | 4.3312% | 905 |
| Noninterest income to average assets | 0.7729% | 1,919 |
| Noninterest expense to average assets | 3.4081% | 1,467 |
| Loan and lease loss provision to assets | 0.0299% | 3,634 |
| Net operating income to assets | 0.6727% | 4,019 |
| Return on assets (ROA) | 0.6973% | 4,021 |
| Pretax return on assets | 1.1351% | 3,076 |
| Return on Equity (ROE) | 5.7965% | 4,244 |
| Retained earnings to average equity (ytd only) | 5.7965% | 2,369 |
| Net charge-offs to loans | -0.0377% | 5,440 |
| Credit loss provision to net charge-offs | -100.0000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1572% | 2,381 |
| Assets per employee ($millions) | 3.9068% | 4,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 3,523 |
| Loan loss allowance to noncurrent loans | 450.4762% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2318% | 1,904 |
| Noncurrent loans to loans | 0.2717% | 4,602 |
| Net loans and leases to total assets | 81.4310% | 651 |
| Net loans and leases to deposits | 97.1153% | 897 |
| Net loans and leases to core deposits | 102.3471% | 1,356 |
| Total domestic deposits to total assets | 83.8499% | 3,488 |
| Equity capital to assets | 12.2798% | 1,887 |
| Core capital (leverage) ratio | 10.5376% | 3,001 |
| Tier 1 risk-based capital ratio | 14.9796% | 3,305 |
| Total risk-based capital ratio | 16.2534% | 3,229 |
| Memoranda: | ||
| Average total assets | $93,500,000 | 4,642 |
| Average earning assets | $81,207,750 | 4,749 |
| Average equity | $11,247,750 | 4,487 |
| Average total loans | $74,228,000 | 4,029 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 893 |
| Cost of funding earning assets | 0.5431% | 1,877 |
| Net interest margin | 4.2558% | 1,007 |
| Noninterest income to average assets | 0.9378% | 1,339 |
| Noninterest expense to average assets | 3.3936% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7423% | 3,672 |
| Return on assets (ROA) | 0.7793% | 3,593 |
| Pretax return on assets | 1.2761% | 2,448 |
| Return on Equity (ROE) | 6.5239% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.5239% | 1,934 |
| Net charge-offs to loans | -0.0109% | 4,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5840% | 2,737 |
| Assets per employee ($millions) | 3.7326% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 3,843 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0127% | 2,494 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 80.7512% | 703 |
| Net loans and leases to deposits | 96.1896% | 948 |
| Net loans and leases to core deposits | 102.4876% | 1,296 |
| Total domestic deposits to total assets | 83.9501% | 3,588 |
| Equity capital to assets | 12.1545% | 1,916 |
| Core capital (leverage) ratio | 10.0932% | 3,472 |
| Tier 1 risk-based capital ratio | 15.1177% | 3,291 |
| Total risk-based capital ratio | 16.3931% | 3,217 |
| Memoranda: | ||
| Average total assets | $93,412,000 | 4,693 |
| Average earning assets | $80,643,000 | 4,814 |
| Average equity | $11,159,000 | 4,534 |
| Average total loans | $73,204,330 | 4,081 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 1,151 |
| Cost of funding earning assets | 0.5571% | 1,781 |
| Net interest margin | 4.0804% | 1,332 |
| Noninterest income to average assets | 1.3225% | 655 |
| Noninterest expense to average assets | 3.2784% | 1,773 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9224% | 2,640 |
| Return on assets (ROA) | 0.9416% | 2,685 |
| Pretax return on assets | 1.5536% | 1,376 |
| Return on Equity (ROE) | 7.9512% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.9512% | 1,587 |
| Net charge-offs to loans | -0.0112% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2709% | 3,775 |
| Assets per employee ($millions) | 3.7490% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 3,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0083% | 2,610 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 78.2436% | 888 |
| Net loans and leases to deposits | 92.9336% | 1,095 |
| Net loans and leases to core deposits | 101.7595% | 1,195 |
| Total domestic deposits to total assets | 84.1929% | 3,744 |
| Equity capital to assets | 11.9799% | 2,039 |
| Core capital (leverage) ratio | 10.1772% | 3,371 |
| Tier 1 risk-based capital ratio | 14.8237% | 3,528 |
| Total risk-based capital ratio | 16.0999% | 3,452 |
| Memoranda: | ||
| Average total assets | $93,460,500 | 4,735 |
| Average earning assets | $79,697,500 | 4,871 |
| Average equity | $11,067,500 | 4,585 |
| Average total loans | $71,676,000 | 4,142 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6670% | 1,380 |
| Cost of funding earning assets | 0.6337% | 1,523 |
| Net interest margin | 4.0334% | 1,793 |
| Noninterest income to average assets | 0.4042% | 4,153 |
| Noninterest expense to average assets | 3.3197% | 1,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3300% | 5,444 |
| Return on assets (ROA) | 0.4008% | 5,285 |
| Pretax return on assets | 0.6594% | 4,761 |
| Return on Equity (ROE) | 3.3414% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.3414% | 3,839 |
| Net charge-offs to loans | -0.0154% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8144% | 1,190 |
| Assets per employee ($millions) | 3.8832% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 2,722 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.1880% | 1,726 |
| Net loans and leases to deposits | 87.1814% | 1,830 |
| Net loans and leases to core deposits | 99.1079% | 1,459 |
| Total domestic deposits to total assets | 83.9491% | 3,734 |
| Equity capital to assets | 11.7032% | 2,254 |
| Core capital (leverage) ratio | 10.0322% | 3,531 |
| Tier 1 risk-based capital ratio | 14.7531% | 3,628 |
| Total risk-based capital ratio | 15.9824% | 3,568 |
| Memoranda: | ||
| Average total assets | $88,563,400 | 4,876 |
| Average earning assets | $76,065,400 | 4,985 |
| Average equity | $10,624,400 | 4,629 |
| Average total loans | $65,021,800 | 4,331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,413 |
| Cost of funding earning assets | 0.6407% | 1,525 |
| Net interest margin | 4.0176% | 1,829 |
| Noninterest income to average assets | 0.4195% | 4,101 |
| Noninterest expense to average assets | 3.2903% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3567% | 5,410 |
| Return on assets (ROA) | 0.4485% | 5,157 |
| Pretax return on assets | 0.7353% | 4,571 |
| Return on Equity (ROE) | 3.7142% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.7142% | 3,999 |
| Net charge-offs to loans | -0.0167% | 5,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7544% | 1,309 |
| Assets per employee ($millions) | 3.7238% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 3,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 2,731 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 73.1957% | 1,647 |
| Net loans and leases to deposits | 85.5020% | 1,967 |
| Net loans and leases to core deposits | 94.5508% | 1,802 |
| Total domestic deposits to total assets | 85.6070% | 3,070 |
| Equity capital to assets | 12.0499% | 2,016 |
| Core capital (leverage) ratio | 10.0884% | 3,543 |
| Tier 1 risk-based capital ratio | 15.2108% | 3,466 |
| Total risk-based capital ratio | 16.4659% | 3,409 |
| Memoranda: | ||
| Average total assets | $87,405,000 | 4,951 |
| Average earning assets | $75,333,250 | 5,056 |
| Average equity | $10,553,750 | 4,678 |
| Average total loans | $63,999,000 | 4,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 1,425 |
| Cost of funding earning assets | 0.6492% | 1,520 |
| Net interest margin | 3.9920% | 1,829 |
| Noninterest income to average assets | 0.4403% | 3,940 |
| Noninterest expense to average assets | 3.2991% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3446% | 5,422 |
| Return on assets (ROA) | 0.4818% | 4,953 |
| Pretax return on assets | 0.7862% | 4,331 |
| Return on Equity (ROE) | 3.9878% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.9878% | 3,647 |
| Net charge-offs to loans | -0.0158% | 5,457 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2293% | 1,355 |
| Assets per employee ($millions) | 3.8441% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 2,838 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.9876% | 1,922 |
| Net loans and leases to deposits | 82.9814% | 2,138 |
| Net loans and leases to core deposits | 90.5384% | 2,074 |
| Total domestic deposits to total assets | 85.5464% | 3,271 |
| Equity capital to assets | 12.0637% | 1,932 |
| Core capital (leverage) ratio | 10.1381% | 3,427 |
| Tier 1 risk-based capital ratio | 15.0725% | 3,593 |
| Total risk-based capital ratio | 16.3087% | 3,550 |
| Memoranda: | ||
| Average total assets | $86,750,000 | 5,006 |
| Average earning assets | $74,549,330 | 5,122 |
| Average equity | $10,482,000 | 4,705 |
| Average total loans | $63,226,330 | 4,450 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6631% | 1,338 |
| Cost of funding earning assets | 0.6631% | 1,491 |
| Net interest margin | 4.0000% | 1,763 |
| Noninterest income to average assets | 0.4562% | 3,738 |
| Noninterest expense to average assets | 3.2031% | 2,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4427% | 4,963 |
| Return on assets (ROA) | 0.5261% | 4,637 |
| Pretax return on assets | 0.8380% | 3,944 |
| Return on Equity (ROE) | 4.3503% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.3503% | 3,518 |
| Net charge-offs to loans | -0.0127% | 5,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9048% | 1,939 |
| Assets per employee ($millions) | 4.5584% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 3,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 2,870 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.3645% | 1,374 |
| Net loans and leases to deposits | 87.0103% | 1,464 |
| Net loans and leases to core deposits | 93.8235% | 1,565 |
| Total domestic deposits to total assets | 84.3171% | 4,156 |
| Equity capital to assets | 12.1152% | 1,796 |
| Core capital (leverage) ratio | 9.9599% | 3,619 |
| Tier 1 risk-based capital ratio | 15.2849% | 3,556 |
| Total risk-based capital ratio | 16.5230% | 3,515 |
| Memoranda: | ||
| Average total assets | $85,918,000 | 5,069 |
| Average earning assets | $74,200,000 | 5,172 |
| Average equity | $10,390,000 | 4,752 |
| Average total loans | $63,008,500 | 4,495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8309% | 1,254 |
| Cost of funding earning assets | 0.8361% | 1,014 |
| Net interest margin | 3.9948% | 1,961 |
| Noninterest income to average assets | 0.4108% | 4,367 |
| Noninterest expense to average assets | 3.1586% | 2,551 |
| Loan and lease loss provision to assets | 0.0602% | 3,940 |
| Net operating income to assets | 0.3723% | 5,253 |
| Return on assets (ROA) | 0.4403% | 5,115 |
| Pretax return on assets | 0.7410% | 4,375 |
| Return on Equity (ROE) | 3.5239% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.5239% | 3,718 |
| Net charge-offs to loans | 0.4330% | 1,533 |
| Credit loss provision to net charge-offs | 19.9153% | 4,447 |
| Earnings coverage of net charge-offs (x) | 2.3008% | 4,244 |
| Efficiency ratio | 81.9661% | 1,878 |
| Assets per employee ($millions) | 4.0584% | 3,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 3,410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4467% | 2,575 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.2060% | 1,808 |
| Net loans and leases to deposits | 85.6143% | 1,732 |
| Net loans and leases to core deposits | 96.5553% | 1,413 |
| Total domestic deposits to total assets | 83.1706% | 4,482 |
| Equity capital to assets | 12.0703% | 1,756 |
| Core capital (leverage) ratio | 10.3934% | 3,026 |
| Tier 1 risk-based capital ratio | 15.6828% | 3,261 |
| Total risk-based capital ratio | 16.9385% | 3,220 |
| Memoranda: | ||
| Average total assets | $78,137,000 | 5,280 |
| Average earning assets | $67,337,000 | 5,365 |
| Average equity | $9,761,800 | 4,904 |
| Average total loans | $54,506,000 | 4,798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 1,626 |
| Cost of funding earning assets | 0.8744% | 930 |
| Net interest margin | 3.8146% | 2,589 |
| Noninterest income to average assets | 0.4400% | 4,221 |
| Noninterest expense to average assets | 3.1759% | 2,432 |
| Loan and lease loss provision to assets | 0.0838% | 3,382 |
| Net operating income to assets | 0.2966% | 5,628 |
| Return on assets (ROA) | 0.3894% | 5,422 |
| Pretax return on assets | 0.6233% | 4,937 |
| Return on Equity (ROE) | 3.0874% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.0874% | 4,471 |
| Net charge-offs to loans | 0.6042% | 1,035 |
| Credit loss provision to net charge-offs | 20.0837% | 4,074 |
| Earnings coverage of net charge-offs (x) | 1.3473% | 4,389 |
| Efficiency ratio | 84.9603% | 1,477 |
| Assets per employee ($millions) | 4.2075% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5665% | 3,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5424% | 2,620 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 70.1133% | 1,945 |
| Net loans and leases to deposits | 82.8860% | 2,015 |
| Net loans and leases to core deposits | 90.9873% | 1,871 |
| Total domestic deposits to total assets | 84.5901% | 3,935 |
| Equity capital to assets | 12.7905% | 1,430 |
| Core capital (leverage) ratio | 10.7045% | 2,785 |
| Tier 1 risk-based capital ratio | 15.8385% | 3,280 |
| Total risk-based capital ratio | 17.0565% | 3,250 |
| Memoranda: | ||
| Average total assets | $76,364,750 | 5,369 |
| Average earning assets | $66,025,000 | 5,455 |
| Average equity | $9,630,500 | 4,994 |
| Average total loans | $52,737,500 | 4,894 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 1,697 |
| Cost of funding earning assets | 0.9206% | 814 |
| Net interest margin | 3.7318% | 2,838 |
| Noninterest income to average assets | 0.5002% | 3,832 |
| Noninterest expense to average assets | 3.1607% | 2,479 |
| Loan and lease loss provision to assets | 0.1091% | 2,974 |
| Net operating income to assets | 0.2805% | 5,662 |
| Return on assets (ROA) | 0.4150% | 5,317 |
| Pretax return on assets | 0.6651% | 4,799 |
| Return on Equity (ROE) | 3.3078% | 5,501 |
| Retained earnings to average equity (ytd only) | 3.3078% | 4,208 |
| Net charge-offs to loans | 1.4181% | 387 |
| Credit loss provision to net charge-offs | 11.2637% | 3,881 |
| Earnings coverage of net charge-offs (x) | 0.5824% | 4,340 |
| Efficiency ratio | 84.8571% | 1,547 |
| Assets per employee ($millions) | 4.2589% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 3,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 2,704 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.4738% | 2,154 |
| Net loans and leases to deposits | 81.5574% | 2,107 |
| Net loans and leases to core deposits | 88.8460% | 2,021 |
| Total domestic deposits to total assets | 83.9577% | 4,334 |
| Equity capital to assets | 13.3472% | 1,206 |
| Core capital (leverage) ratio | 10.7055% | 2,663 |
| Tier 1 risk-based capital ratio | 16.3271% | 3,026 |
| Total risk-based capital ratio | 17.5851% | 2,981 |
| Memoranda: | ||
| Average total assets | $75,172,330 | 5,435 |
| Average earning assets | $64,954,670 | 5,532 |
| Average equity | $9,432,330 | 5,074 |
| Average total loans | $51,336,000 | 4,972 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6274% | 1,752 |
| Cost of funding earning assets | 0.9604% | 743 |
| Net interest margin | 3.6670% | 3,004 |
| Noninterest income to average assets | 0.4837% | 3,894 |
| Noninterest expense to average assets | 3.0741% | 2,755 |
| Loan and lease loss provision to assets | 0.1236% | 2,685 |
| Net operating income to assets | 0.2762% | 5,642 |
| Return on assets (ROA) | 0.4138% | 5,223 |
| Pretax return on assets | 0.6610% | 4,750 |
| Return on Equity (ROE) | 3.4099% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.4099% | 4,209 |
| Net charge-offs to loans | 2.8981% | 122 |
| Credit loss provision to net charge-offs | 6.3014% | 3,180 |
| Earnings coverage of net charge-offs (x) | 0.2904% | 3,715 |
| Efficiency ratio | 84.3658% | 1,716 |
| Assets per employee ($millions) | 4.7225% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 3,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7920% | 2,613 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 66.3221% | 2,310 |
| Net loans and leases to deposits | 77.7983% | 2,365 |
| Net loans and leases to core deposits | 85.0916% | 2,205 |
| Total domestic deposits to total assets | 85.2488% | 3,926 |
| Equity capital to assets | 12.0090% | 2,036 |
| Core capital (leverage) ratio | 8.8328% | 5,137 |
| Tier 1 risk-based capital ratio | 13.3769% | 4,955 |
| Total risk-based capital ratio | 14.6492% | 4,893 |
| Memoranda: | ||
| Average total assets | $74,428,500 | 5,503 |
| Average earning assets | $64,139,000 | 5,611 |
| Average equity | $9,032,500 | 5,216 |
| Average total loans | $50,378,000 | 5,044 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 3,531 |
| Cost of funding earning assets | 1.1771% | 640 |
| Net interest margin | 3.2912% | 5,269 |
| Noninterest income to average assets | 0.3865% | 4,713 |
| Noninterest expense to average assets | 4.5474% | 552 |
| Loan and lease loss provision to assets | 0.5171% | 1,132 |
| Net operating income to assets | -1.1787% | 6,790 |
| Return on assets (ROA) | -0.8351% | 6,709 |
| Pretax return on assets | -1.3377% | 6,813 |
| Return on Equity (ROE) | -7.8223% | 6,676 |
| Retained earnings to average equity (ytd only) | -7.8223% | 6,562 |
| Net charge-offs to loans | 0.8403% | 1,377 |
| Credit loss provision to net charge-offs | 101.2920% | 2,987 |
| Earnings coverage of net charge-offs (x) | -2.6589% | 5,860 |
| Efficiency ratio | 142.5558% | 110 |
| Assets per employee ($millions) | 4.5811% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1703% | 1,601 |
| Loan loss allowance to noncurrent loans | 59.1803% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 4.3440% | 961 |
| Noncurrent loans to loans | 3.6672% | 1,328 |
| Net loans and leases to total assets | 66.6044% | 2,437 |
| Net loans and leases to deposits | 78.4670% | 2,470 |
| Net loans and leases to core deposits | 85.7015% | 2,353 |
| Total domestic deposits to total assets | 84.8821% | 3,912 |
| Equity capital to assets | 12.2665% | 1,879 |
| Core capital (leverage) ratio | 8.8354% | 5,124 |
| Tier 1 risk-based capital ratio | 12.9340% | 5,158 |
| Total risk-based capital ratio | 14.1353% | 5,127 |
| Memoranda: | ||
| Average total assets | $75,801,800 | 5,463 |
| Average earning assets | $64,566,200 | 5,597 |
| Average equity | $8,092,200 | 5,474 |
| Average total loans | $46,056,200 | 5,249 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 3,956 |
| Cost of funding earning assets | 1.1962% | 705 |
| Net interest margin | 3.2256% | 5,632 |
| Noninterest income to average assets | 0.3070% | 5,324 |
| Noninterest expense to average assets | 4.9108% | 382 |
| Loan and lease loss provision to assets | 0.6838% | 754 |
| Net operating income to assets | -1.5976% | 6,985 |
| Return on assets (ROA) | -1.2404% | 6,936 |
| Pretax return on assets | -1.9870% | 7,030 |
| Return on Equity (ROE) | -12.0493% | 6,893 |
| Retained earnings to average equity (ytd only) | -12.0493% | 6,858 |
| Net charge-offs to loans | 1.1472% | 877 |
| Credit loss provision to net charge-offs | 101.0309% | 2,925 |
| Earnings coverage of net charge-offs (x) | -2.7500% | 5,676 |
| Efficiency ratio | 161.0412% | 74 |
| Assets per employee ($millions) | 5.1094% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 1,528 |
| Loan loss allowance to noncurrent loans | 58.3288% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 4.2262% | 1,125 |
| Noncurrent loans to loans | 3.9352% | 1,314 |
| Net loans and leases to total assets | 60.0945% | 3,764 |
| Net loans and leases to deposits | 69.0334% | 4,023 |
| Net loans and leases to core deposits | 77.4836% | 3,535 |
| Total domestic deposits to total assets | 87.0513% | 2,635 |
| Equity capital to assets | 10.1330% | 4,310 |
| Core capital (leverage) ratio | 6.6717% | 6,849 |
| Tier 1 risk-based capital ratio | 10.5757% | 6,642 |
| Total risk-based capital ratio | 11.7016% | 6,664 |
| Memoranda: | ||
| Average total assets | $76,428,000 | 5,503 |
| Average earning assets | $64,979,000 | 5,640 |
| Average equity | $7,867,500 | 5,596 |
| Average total loans | $45,094,750 | 5,338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 2,931 |
| Cost of funding earning assets | 1.2235% | 740 |
| Net interest margin | 3.4724% | 4,792 |
| Noninterest income to average assets | 0.3824% | 4,776 |
| Noninterest expense to average assets | 5.9562% | 221 |
| Loan and lease loss provision to assets | 1.0268% | 427 |
| Net operating income to assets | -2.2938% | 7,106 |
| Return on assets (ROA) | -2.0876% | 7,091 |
| Pretax return on assets | -3.3422% | 7,166 |
| Return on Equity (ROE) | -20.1738% | 7,039 |
| Retained earnings to average equity (ytd only) | -20.1738% | 7,015 |
| Net charge-offs to loans | 0.9907% | 1,120 |
| Credit loss provision to net charge-offs | 178.1818% | 1,583 |
| Earnings coverage of net charge-offs (x) | -4.5773% | 5,446 |
| Efficiency ratio | 179.4791% | 57 |
| Assets per employee ($millions) | 4.6808% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8024% | 940 |
| Loan loss allowance to noncurrent loans | 49.0773% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 5.9952% | 711 |
| Noncurrent loans to loans | 5.7103% | 794 |
| Net loans and leases to total assets | 57.8879% | 4,179 |
| Net loans and leases to deposits | 66.4674% | 4,450 |
| Net loans and leases to core deposits | 74.7895% | 3,922 |
| Total domestic deposits to total assets | 87.0923% | 2,722 |
| Equity capital to assets | 10.0877% | 4,205 |
| Core capital (leverage) ratio | 6.4752% | 6,936 |
| Tier 1 risk-based capital ratio | 10.1458% | 6,785 |
| Total risk-based capital ratio | 11.2508% | 6,808 |
| Memoranda: | ||
| Average total assets | $76,357,000 | 5,538 |
| Average earning assets | $64,567,000 | 5,691 |
| Average equity | $7,901,330 | 5,603 |
| Average total loans | $44,413,330 | 5,412 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 3,761 |
| Cost of funding earning assets | 1.2704% | 716 |
| Net interest margin | 3.2684% | 5,580 |
| Noninterest income to average assets | 0.3840% | 4,795 |
| Noninterest expense to average assets | 5.8374% | 222 |
| Loan and lease loss provision to assets | 1.4996% | 228 |
| Net operating income to assets | -2.6324% | 7,203 |
| Return on assets (ROA) | -2.3402% | 7,178 |
| Pretax return on assets | -3.7463% | 7,242 |
| Return on Equity (ROE) | -22.3419% | 7,129 |
| Retained earnings to average equity (ytd only) | -22.3419% | 7,075 |
| Net charge-offs to loans | 1.5795% | 631 |
| Credit loss provision to net charge-offs | 165.1429% | 1,542 |
| Earnings coverage of net charge-offs (x) | -2.9771% | 4,643 |
| Efficiency ratio | 186.2583% | 50 |
| Assets per employee ($millions) | 4.9339% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7477% | 1,059 |
| Loan loss allowance to noncurrent loans | 62.5393% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 6.0728% | 771 |
| Noncurrent loans to loans | 4.3935% | 1,341 |
| Net loans and leases to total assets | 53.4443% | 4,812 |
| Net loans and leases to deposits | 61.5742% | 4,976 |
| Net loans and leases to core deposits | 68.3682% | 4,644 |
| Total domestic deposits to total assets | 86.7966% | 3,069 |
| Equity capital to assets | 9.8832% | 4,276 |
| Core capital (leverage) ratio | 7.0241% | 6,832 |
| Tier 1 risk-based capital ratio | 11.1649% | 6,464 |
| Total risk-based capital ratio | 12.2755% | 6,508 |
| Memoranda: | ||
| Average total assets | $77,089,000 | 5,560 |
| Average earning assets | $64,864,000 | 5,727 |
| Average equity | $8,074,500 | 5,570 |
| Average total loans | $44,318,000 | 5,459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 3,490 |
| Cost of funding earning assets | 1.4821% | 764 |
| Net interest margin | 3.3895% | 5,515 |
| Noninterest income to average assets | 0.3536% | 4,974 |
| Noninterest expense to average assets | 3.8957% | 1,191 |
| Loan and lease loss provision to assets | 0.2375% | 3,833 |
| Net operating income to assets | -0.5743% | 6,536 |
| Return on assets (ROA) | -0.4578% | 6,512 |
| Pretax return on assets | -0.7375% | 6,616 |
| Return on Equity (ROE) | -4.1163% | 6,476 |
| Retained earnings to average equity (ytd only) | -4.1163% | 6,378 |
| Net charge-offs to loans | 1.3246% | 1,243 |
| Credit loss provision to net charge-offs | 30.9278% | 5,771 |
| Earnings coverage of net charge-offs (x) | -0.8883% | 6,172 |
| Efficiency ratio | 121.2233% | 299 |
| Assets per employee ($millions) | 4.4256% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3821% | 1,490 |
| Loan loss allowance to noncurrent loans | 41.7829% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 7.8819% | 525 |
| Noncurrent loans to loans | 5.7012% | 911 |
| Net loans and leases to total assets | 58.7166% | 4,245 |
| Net loans and leases to deposits | 68.7436% | 4,321 |
| Net loans and leases to core deposits | 76.5443% | 3,898 |
| Total domestic deposits to total assets | 85.4139% | 3,638 |
| Equity capital to assets | 11.0944% | 2,895 |
| Core capital (leverage) ratio | 8.1587% | 6,062 |
| Tier 1 risk-based capital ratio | 12.4890% | 5,459 |
| Total risk-based capital ratio | 13.6508% | 5,507 |
| Memoranda: | ||
| Average total assets | $75,800,600 | 5,578 |
| Average earning assets | $63,962,200 | 5,736 |
| Average equity | $8,430,000 | 5,427 |
| Average total loans | $43,937,400 | 5,521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8264% | 3,901 |
| Cost of funding earning assets | 1.5202% | 797 |
| Net interest margin | 3.3062% | 5,841 |
| Noninterest income to average assets | 0.3160% | 5,333 |
| Noninterest expense to average assets | 3.6975% | 1,503 |
| Loan and lease loss provision to assets | 0.2247% | 3,763 |
| Net operating income to assets | -0.6241% | 6,710 |
| Return on assets (ROA) | -0.4916% | 6,680 |
| Pretax return on assets | -0.6391% | 6,699 |
| Return on Equity (ROE) | -4.4176% | 6,650 |
| Retained earnings to average equity (ytd only) | -4.4176% | 6,551 |
| Net charge-offs to loans | 0.9600% | 1,676 |
| Credit loss provision to net charge-offs | 40.7643% | 5,224 |
| Earnings coverage of net charge-offs (x) | -1.0637% | 5,940 |
| Efficiency ratio | 118.8488% | 321 |
| Assets per employee ($millions) | 4.5311% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8921% | 938 |
| Loan loss allowance to noncurrent loans | 62.7242% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 6.4976% | 796 |
| Noncurrent loans to loans | 4.6109% | 1,400 |
| Net loans and leases to total assets | 56.4055% | 4,776 |
| Net loans and leases to deposits | 65.9402% | 4,914 |
| Net loans and leases to core deposits | 75.1007% | 4,312 |
| Total domestic deposits to total assets | 85.5403% | 3,467 |
| Equity capital to assets | 11.0168% | 3,126 |
| Core capital (leverage) ratio | 8.0777% | 6,313 |
| Tier 1 risk-based capital ratio | 13.2140% | 4,942 |
| Total risk-based capital ratio | 14.4820% | 4,898 |
| Memoranda: | ||
| Average total assets | $75,941,750 | 5,615 |
| Average earning assets | $64,200,500 | 5,767 |
| Average equity | $8,450,750 | 5,449 |
| Average total loans | $43,608,250 | 5,580 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 4,050 |
| Cost of funding earning assets | 1.5477% | 845 |
| Net interest margin | 3.2645% | 5,956 |
| Noninterest income to average assets | 0.2461% | 5,887 |
| Noninterest expense to average assets | 3.4507% | 2,117 |
| Loan and lease loss provision to assets | 0.3387% | 2,754 |
| Net operating income to assets | -0.4875% | 6,677 |
| Return on assets (ROA) | -0.4604% | 6,683 |
| Pretax return on assets | -0.7436% | 6,799 |
| Return on Equity (ROE) | -4.1237% | 6,653 |
| Retained earnings to average equity (ytd only) | -4.1237% | 6,483 |
| Net charge-offs to loans | 0.9715% | 1,615 |
| Credit loss provision to net charge-offs | 60.9524% | 4,317 |
| Earnings coverage of net charge-offs (x) | -0.8048% | 5,604 |
| Efficiency ratio | 114.8899% | 401 |
| Assets per employee ($millions) | 5.0024% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1300% | 805 |
| Loan loss allowance to noncurrent loans | 43.5650% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 7.8563% | 605 |
| Noncurrent loans to loans | 7.1848% | 700 |
| Net loans and leases to total assets | 54.0568% | 5,290 |
| Net loans and leases to deposits | 62.8200% | 5,412 |
| Net loans and leases to core deposits | 71.7691% | 4,843 |
| Total domestic deposits to total assets | 86.0504% | 3,301 |
| Equity capital to assets | 10.6062% | 3,374 |
| Core capital (leverage) ratio | 8.2478% | 5,953 |
| Tier 1 risk-based capital ratio | 12.9413% | 4,962 |
| Total risk-based capital ratio | 14.2127% | 4,926 |
| Memoranda: | ||
| Average total assets | $75,579,670 | 5,670 |
| Average earning assets | $63,838,670 | 5,832 |
| Average equity | $8,439,000 | 5,480 |
| Average total loans | $43,230,330 | 5,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 5,118 |
| Cost of funding earning assets | 1.6094% | 789 |
| Net interest margin | 2.9527% | 6,672 |
| Noninterest income to average assets | 0.4581% | 4,208 |
| Noninterest expense to average assets | 3.3810% | 2,328 |
| Loan and lease loss provision to assets | 1.1452% | 624 |
| Net operating income to assets | -0.9897% | 7,044 |
| Return on assets (ROA) | -0.9652% | 7,035 |
| Pretax return on assets | -1.5487% | 7,177 |
| Return on Equity (ROE) | -8.4145% | 6,973 |
| Retained earnings to average equity (ytd only) | -8.4145% | 6,776 |
| Net charge-offs to loans | 1.9758% | 646 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | -0.3857% | 4,758 |
| Efficiency ratio | 115.0278% | 411 |
| Assets per employee ($millions) | 4.8479% | 2,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4266% | 649 |
| Loan loss allowance to noncurrent loans | 39.8814% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 8.5062% | 533 |
| Noncurrent loans to loans | 8.5919% | 538 |
| Net loans and leases to total assets | 53.7754% | 5,332 |
| Net loans and leases to deposits | 63.1168% | 5,370 |
| Net loans and leases to core deposits | 72.3024% | 4,748 |
| Total domestic deposits to total assets | 85.1999% | 3,947 |
| Equity capital to assets | 10.7546% | 2,925 |
| Core capital (leverage) ratio | 8.8831% | 4,800 |
| Tier 1 risk-based capital ratio | 13.1092% | 4,743 |
| Total risk-based capital ratio | 14.3839% | 4,703 |
| Memoranda: | ||
| Average total assets | $73,350,500 | 5,777 |
| Average earning assets | $61,638,000 | 5,950 |
| Average equity | $8,414,000 | 5,485 |
| Average total loans | $42,513,500 | 5,729 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1485% | 3,861 |
| Cost of funding earning assets | 1.8908% | 875 |
| Net interest margin | 3.2577% | 6,108 |
| Noninterest income to average assets | 0.4264% | 4,698 |
| Noninterest expense to average assets | 4.2978% | 813 |
| Loan and lease loss provision to assets | 2.0427% | 639 |
| Net operating income to assets | -2.0412% | 7,067 |
| Return on assets (ROA) | -1.9406% | 7,055 |
| Pretax return on assets | -3.0446% | 7,302 |
| Return on Equity (ROE) | -12.9998% | 6,841 |
| Retained earnings to average equity (ytd only) | -12.9998% | 6,796 |
| Net charge-offs to loans | 1.4346% | 1,546 |
| Credit loss provision to net charge-offs | 219.8953% | 1,363 |
| Earnings coverage of net charge-offs (x) | -1.2478% | 6,645 |
| Efficiency ratio | 136.9318% | 272 |
| Assets per employee ($millions) | 4.6089% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5401% | 583 |
| Loan loss allowance to noncurrent loans | 46.5431% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 8.7786% | 523 |
| Noncurrent loans to loans | 7.6061% | 704 |
| Net loans and leases to total assets | 58.3707% | 4,971 |
| Net loans and leases to deposits | 70.1906% | 4,797 |
| Net loans and leases to core deposits | 75.0367% | 4,848 |
| Total domestic deposits to total assets | 83.1602% | 4,727 |
| Equity capital to assets | 12.2747% | 1,756 |
| Core capital (leverage) ratio | 9.8838% | 3,224 |
| Tier 1 risk-based capital ratio | 12.9888% | 4,603 |
| Total risk-based capital ratio | 14.2258% | 4,588 |
| Memoranda: | ||
| Average total assets | $61,682,400 | 6,140 |
| Average earning assets | $51,354,800 | 6,314 |
| Average equity | $9,207,800 | 5,354 |
| Average total loans | $39,941,200 | 5,925 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2715% | 3,483 |
| Cost of funding earning assets | 1.9303% | 934 |
| Net interest margin | 3.3412% | 5,877 |
| Noninterest income to average assets | 0.4257% | 4,755 |
| Noninterest expense to average assets | 4.0008% | 1,041 |
| Loan and lease loss provision to assets | 2.5164% | 413 |
| Net operating income to assets | -2.0666% | 7,253 |
| Return on assets (ROA) | -1.9525% | 7,243 |
| Pretax return on assets | -3.1316% | 7,449 |
| Return on Equity (ROE) | -12.4408% | 7,027 |
| Retained earnings to average equity (ytd only) | -12.4408% | 6,991 |
| Net charge-offs to loans | 0.4865% | 3,326 |
| Credit loss provision to net charge-offs | 784.0278% | 378 |
| Earnings coverage of net charge-offs (x) | -2.4721% | 6,548 |
| Efficiency ratio | 124.7394% | 344 |
| Assets per employee ($millions) | 4.6284% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3884% | 267 |
| Loan loss allowance to noncurrent loans | 127.8936% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 5.7239% | 1,063 |
| Noncurrent loans to loans | 3.4313% | 2,319 |
| Net loans and leases to total assets | 59.8167% | 4,947 |
| Net loans and leases to deposits | 73.6112% | 4,580 |
| Net loans and leases to core deposits | 79.6106% | 4,573 |
| Total domestic deposits to total assets | 81.2602% | 5,276 |
| Equity capital to assets | 13.8044% | 1,242 |
| Core capital (leverage) ratio | 11.8138% | 1,758 |
| Tier 1 risk-based capital ratio | 14.7661% | 3,358 |
| Total risk-based capital ratio | 16.0478% | 3,325 |
| Memoranda: | ||
| Average total assets | $59,819,500 | 6,277 |
| Average earning assets | $49,801,000 | 6,445 |
| Average equity | $9,388,250 | 5,383 |
| Average total loans | $39,467,750 | 6,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3086% | 3,431 |
| Cost of funding earning assets | 2.0196% | 856 |
| Net interest margin | 3.2890% | 6,053 |
| Noninterest income to average assets | 0.4298% | 4,679 |
| Noninterest expense to average assets | 4.0750% | 948 |
| Loan and lease loss provision to assets | 2.0323% | 606 |
| Net operating income to assets | -1.8282% | 7,266 |
| Return on assets (ROA) | -1.8260% | 7,267 |
| Pretax return on assets | -2.9298% | 7,453 |
| Return on Equity (ROE) | -11.1367% | 7,004 |
| Retained earnings to average equity (ytd only) | -11.1367% | 6,958 |
| Net charge-offs to loans | 0.4756% | 3,110 |
| Credit loss provision to net charge-offs | 635.4839% | 576 |
| Earnings coverage of net charge-offs (x) | -2.8172% | 6,253 |
| Efficiency ratio | 128.3857% | 325 |
| Assets per employee ($millions) | 4.6016% | 2,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1240% | 751 |
| Loan loss allowance to noncurrent loans | 42.6825% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 6.1868% | 932 |
| Noncurrent loans to loans | 7.3192% | 741 |
| Net loans and leases to total assets | 66.9748% | 3,625 |
| Net loans and leases to deposits | 84.6003% | 2,769 |
| Net loans and leases to core deposits | 95.2432% | 2,550 |
| Total domestic deposits to total assets | 79.1662% | 5,991 |
| Equity capital to assets | 15.5614% | 755 |
| Core capital (leverage) ratio | 13.4094% | 1,093 |
| Tier 1 risk-based capital ratio | 16.6294% | 2,430 |
| Total risk-based capital ratio | 17.8988% | 2,371 |
| Memoranda: | ||
| Average total assets | $58,160,000 | 6,386 |
| Average earning assets | $48,524,670 | 6,529 |
| Average equity | $9,536,000 | 5,332 |
| Average total loans | $39,110,670 | 6,081 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 2,938 |
| Cost of funding earning assets | 2.1378% | 719 |
| Net interest margin | 3.2830% | 6,042 |
| Noninterest income to average assets | 0.4326% | 4,635 |
| Noninterest expense to average assets | 4.0119% | 1,016 |
| Loan and lease loss provision to assets | 1.6676% | 687 |
| Net operating income to assets | -1.5813% | 7,358 |
| Return on assets (ROA) | -1.5768% | 7,359 |
| Pretax return on assets | -2.5397% | 7,521 |
| Return on Equity (ROE) | -9.3684% | 7,113 |
| Retained earnings to average equity (ytd only) | -9.3684% | 6,926 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0624% | 354 |
| Assets per employee ($millions) | 4.0735% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7214% | 1,060 |
| Loan loss allowance to noncurrent loans | 93.2310% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 3.2142% | 2,234 |
| Noncurrent loans to loans | 2.9189% | 2,759 |
| Net loans and leases to total assets | 64.7495% | 4,149 |
| Net loans and leases to deposits | 83.6243% | 3,008 |
| Net loans and leases to core deposits | 95.6038% | 2,628 |
| Total domestic deposits to total assets | 77.4290% | 6,462 |
| Equity capital to assets | 16.7441% | 561 |
| Core capital (leverage) ratio | 14.4836% | 857 |
| Tier 1 risk-based capital ratio | 16.7487% | 2,362 |
| Total risk-based capital ratio | 18.0077% | 2,312 |
| Memoranda: | ||
| Average total assets | $57,329,500 | 6,494 |
| Average earning assets | $47,151,500 | 6,659 |
| Average equity | $9,649,500 | 5,332 |
| Average total loans | $37,987,500 | 6,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 5,029 |
| Cost of funding earning assets | 2.4420% | 1,181 |
| Net interest margin | 2.8868% | 6,889 |
| Noninterest income to average assets | 0.2645% | 6,223 |
| Noninterest expense to average assets | 4.6935% | 654 |
| Loan and lease loss provision to assets | 1.1822% | 1,951 |
| Net operating income to assets | -1.9137% | 7,055 |
| Return on assets (ROA) | -1.7298% | 6,984 |
| Pretax return on assets | -2.7756% | 7,229 |
| Return on Equity (ROE) | -8.2109% | 6,484 |
| Retained earnings to average equity (ytd only) | -8.2109% | 6,363 |
| Net charge-offs to loans | 0.3002% | 4,752 |
| Credit loss provision to net charge-offs | 615.0538% | 477 |
| Earnings coverage of net charge-offs (x) | -9.7849% | 7,162 |
| Efficiency ratio | 166.8626% | 231 |
| Assets per employee ($millions) | 4.1164% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0886% | 1,844 |
| Loan loss allowance to noncurrent loans | 71.6606% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 3.1806% | 2,171 |
| Noncurrent loans to loans | 2.9146% | 2,645 |
| Net loans and leases to total assets | 64.5879% | 4,470 |
| Net loans and leases to deposits | 84.6474% | 3,149 |
| Net loans and leases to core deposits | 129.5039% | 1,306 |
| Total domestic deposits to total assets | 76.3023% | 6,619 |
| Equity capital to assets | 16.9183% | 562 |
| Core capital (leverage) ratio | 15.8273% | 642 |
| Tier 1 risk-based capital ratio | 17.3309% | 2,070 |
| Total risk-based capital ratio | 18.5866% | 2,031 |
| Memoranda: | ||
| Average total assets | $48,386,000 | 6,773 |
| Average earning assets | $42,711,200 | 6,827 |
| Average equity | $10,193,800 | 5,242 |
| Average total loans | $30,979,200 | 6,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3116% | 5,367 |
| Cost of funding earning assets | 2.5118% | 1,263 |
| Net interest margin | 2.7998% | 7,065 |
| Noninterest income to average assets | 0.1823% | 6,920 |
| Noninterest expense to average assets | 4.6821% | 620 |
| Loan and lease loss provision to assets | 0.9115% | 2,108 |
| Net operating income to assets | -1.8131% | 7,239 |
| Return on assets (ROA) | -1.7131% | 7,196 |
| Pretax return on assets | -2.7519% | 7,434 |
| Return on Equity (ROE) | -7.6597% | 6,705 |
| Retained earnings to average equity (ytd only) | -7.6597% | 6,561 |
| Net charge-offs to loans | 0.4244% | 3,562 |
| Credit loss provision to net charge-offs | 338.7097% | 1,210 |
| Earnings coverage of net charge-offs (x) | -7.4192% | 6,884 |
| Efficiency ratio | 174.3534% | 218 |
| Assets per employee ($millions) | 3.8556% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5003% | 3,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 4,393 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.3143% | 4,575 |
| Net loans and leases to deposits | 89.4618% | 2,685 |
| Net loans and leases to core deposits | 146.6251% | 667 |
| Total domestic deposits to total assets | 73.0080% | 7,082 |
| Equity capital to assets | 18.5961% | 459 |
| Core capital (leverage) ratio | 17.6639% | 484 |
| Tier 1 risk-based capital ratio | 19.3705% | 1,673 |
| Total risk-based capital ratio | 20.5525% | 1,652 |
| Memoranda: | ||
| Average total assets | $46,075,000 | 6,916 |
| Average earning assets | $41,191,750 | 6,952 |
| Average equity | $10,304,750 | 5,255 |
| Average total loans | $29,220,000 | 6,725 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 6,193 |
| Cost of funding earning assets | 2.4689% | 1,718 |
| Net interest margin | 2.7011% | 7,193 |
| Noninterest income to average assets | 0.1473% | 7,211 |
| Noninterest expense to average assets | 4.8480% | 577 |
| Loan and lease loss provision to assets | 0.8379% | 2,000 |
| Net operating income to assets | -1.9132% | 7,407 |
| Return on assets (ROA) | -1.7541% | 7,336 |
| Pretax return on assets | -2.8269% | 7,518 |
| Return on Equity (ROE) | -7.3314% | 6,834 |
| Retained earnings to average equity (ytd only) | -7.3314% | 6,598 |
| Net charge-offs to loans | 0.5920% | 2,561 |
| Credit loss provision to net charge-offs | 227.5000% | 2,020 |
| Earnings coverage of net charge-offs (x) | -6.0750% | 6,477 |
| Efficiency ratio | 185.7143% | 231 |
| Assets per employee ($millions) | 3.6190% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 4,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4053% | 4,148 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 61.9370% | 5,368 |
| Net loans and leases to deposits | 90.1261% | 2,816 |
| Net loans and leases to core deposits | 141.0445% | 971 |
| Total domestic deposits to total assets | 68.7226% | 7,572 |
| Equity capital to assets | 20.0509% | 383 |
| Core capital (leverage) ratio | 19.9048% | 366 |
| Tier 1 risk-based capital ratio | 22.0455% | 1,247 |
| Total risk-based capital ratio | 23.0535% | 1,255 |
| Memoranda: | ||
| Average total assets | $43,440,330 | 7,078 |
| Average earning assets | $39,613,000 | 7,069 |
| Average equity | $10,393,670 | 5,250 |
| Average total loans | $27,029,000 | 6,917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2294% | 6,190 |
| Cost of funding earning assets | 2.4553% | 2,086 |
| Net interest margin | 2.7741% | 7,046 |
| Noninterest income to average assets | 0.1306% | 7,358 |
| Noninterest expense to average assets | 5.1823% | 428 |
| Loan and lease loss provision to assets | 0.6829% | 1,852 |
| Net operating income to assets | -1.9239% | 7,637 |
| Return on assets (ROA) | -1.5768% | 7,533 |
| Pretax return on assets | -2.5711% | 7,674 |
| Return on Equity (ROE) | -5.9747% | 7,063 |
| Retained earnings to average equity (ytd only) | -5.9747% | 6,681 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 188.3212% | 219 |
| Assets per employee ($millions) | 2.9882% | 6,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 2,854 |
| Loan loss allowance to noncurrent loans | 83.9912% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.6732% | 3,417 |
| Noncurrent loans to loans | 1.8124% | 3,545 |
| Net loans and leases to total assets | 59.2255% | 5,778 |
| Net loans and leases to deposits | 82.6975% | 4,175 |
| Net loans and leases to core deposits | 124.8337% | 2,005 |
| Total domestic deposits to total assets | 71.6171% | 7,267 |
| Equity capital to assets | 24.8572% | 225 |
| Core capital (leverage) ratio | 23.9048% | 257 |
| Tier 1 risk-based capital ratio | 33.1674% | 487 |
| Total risk-based capital ratio | 34.4644% | 479 |
| Memoranda: | ||
| Average total assets | $39,827,500 | 7,260 |
| Average earning assets | $37,633,500 | 7,191 |
| Average equity | $10,511,000 | 5,235 |
| Average total loans | $24,644,500 | 7,090 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1970% | 4,532 |
| Cost of funding earning assets | 2.0803% | 6,132 |
| Net interest margin | 4.1167% | 2,638 |
| Noninterest income to average assets | 0.2283% | 6,802 |
| Noninterest expense to average assets | 7.3416% | 267 |
| Loan and lease loss provision to assets | 0.8457% | 1,764 |
| Net operating income to assets | -2.6717% | 7,753 |
| Return on assets (ROA) | -2.6717% | 7,725 |
| Pretax return on assets | -4.1011% | 7,906 |
| Return on Equity (ROE) | -6.6028% | 7,008 |
| Retained earnings to average equity (ytd only) | -6.6028% | 6,738 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.6703% | 246 |
| Assets per employee ($millions) | 2.7014% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 3,745 |
| Loan loss allowance to noncurrent loans | 69.8448% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.1925% | 3,865 |
| Noncurrent loans to loans | 1.8691% | 2,952 |
| Net loans and leases to total assets | 62.9667% | 5,457 |
| Net loans and leases to deposits | 87.8227% | 3,830 |
| Net loans and leases to core deposits | 134.0124% | 1,596 |
| Total domestic deposits to total assets | 71.6975% | 7,058 |
| Equity capital to assets | 28.0883% | 195 |
| Core capital (leverage) ratio | 29.1950% | 194 |
| Tier 1 risk-based capital ratio | 34.2847% | 471 |
| Total risk-based capital ratio | 35.3892% | 467 |
| Memoranda: | ||
| Average total assets | $26,724,600 | 7,773 |
| Average earning assets | $25,044,400 | 7,738 |
| Average equity | $10,813,600 | 5,182 |
| Average total loans | $16,641,600 | 7,545 |