Home > Prime Pacific Bank > Performance and Condition Ratios
Prime Pacific Bank, Performance and Condition Ratios
| 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 | 5.2577% | 385 |
| Cost of funding earning assets | 0.5454% | 1,733 |
| Net interest margin | 4.7122% | 419 |
| Noninterest income to average assets | 2.4080% | 267 |
| Noninterest expense to average assets | 4.4943% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4335% | 999 |
| Return on assets (ROA) | 1.4335% | 1,049 |
| Pretax return on assets | 2.1720% | 400 |
| Return on Equity (ROE) | 11.2862% | 1,545 |
| Retained earnings to average equity (ytd only) | 11.2862% | 404 |
| Net charge-offs to loans | -0.0841% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4182% | 3,466 |
| Assets per employee ($millions) | 3.8689% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7539% | 1,175 |
| Loan loss allowance to noncurrent loans | 203.5874% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 2,818 |
| Noncurrent loans to loans | 0.8615% | 2,585 |
| Net loans and leases to total assets | 82.1632% | 609 |
| Net loans and leases to deposits | 100.3027% | 673 |
| Net loans and leases to core deposits | 109.5752% | 951 |
| Total domestic deposits to total assets | 81.9153% | 4,019 |
| Equity capital to assets | 13.0551% | 1,469 |
| Core capital (leverage) ratio | 11.6219% | 1,896 |
| Tier 1 risk-based capital ratio | 14.0167% | 3,594 |
| Total risk-based capital ratio | 15.2810% | 3,507 |
| Memoranda: | ||
| Average total assets | $123,755,670 | 3,983 |
| Average earning assets | $111,836,670 | 4,024 |
| Average equity | $15,718,330 | 3,776 |
| Average total loans | $99,834,670 | 3,411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 566 |
| Cost of funding earning assets | 0.5296% | 1,867 |
| Net interest margin | 4.4834% | 625 |
| Noninterest income to average assets | 2.5927% | 240 |
| Noninterest expense to average assets | 4.3191% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5259% | 818 |
| Return on assets (ROA) | 1.5259% | 860 |
| Pretax return on assets | 2.3244% | 306 |
| Return on Equity (ROE) | 12.1838% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.1838% | 484 |
| Net charge-offs to loans | -0.0286% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0122% | 3,973 |
| Assets per employee ($millions) | 3.9725% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 1,138 |
| Loan loss allowance to noncurrent loans | 146.1412% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 2,310 |
| Noncurrent loans to loans | 1.2364% | 1,951 |
| Net loans and leases to total assets | 76.0941% | 1,378 |
| Net loans and leases to deposits | 87.0743% | 1,933 |
| Net loans and leases to core deposits | 95.2855% | 1,864 |
| Total domestic deposits to total assets | 87.3898% | 2,000 |
| Equity capital to assets | 12.3852% | 1,761 |
| Core capital (leverage) ratio | 11.3957% | 2,055 |
| Tier 1 risk-based capital ratio | 14.2771% | 3,510 |
| Total risk-based capital ratio | 15.5440% | 3,431 |
| Memoranda: | ||
| Average total assets | $123,730,500 | 4,011 |
| Average earning assets | $111,790,000 | 4,052 |
| Average equity | $15,496,000 | 3,813 |
| Average total loans | $97,982,500 | 3,452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1597% | 459 |
| Cost of funding earning assets | 0.5369% | 1,870 |
| Net interest margin | 4.6228% | 518 |
| Noninterest income to average assets | 1.6353% | 486 |
| Noninterest expense to average assets | 4.0957% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1309% | 1,803 |
| Return on assets (ROA) | 1.1309% | 1,861 |
| Pretax return on assets | 1.6985% | 996 |
| Return on Equity (ROE) | 9.4311% | 2,254 |
| Retained earnings to average equity (ytd only) | 7.3110% | 1,164 |
| Net charge-offs to loans | -0.0345% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6865% | 3,112 |
| Assets per employee ($millions) | 3.8815% | 4,157 |
| Cash dividends to net income (ytd only)* | 22.4801% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 1,099 |
| Loan loss allowance to noncurrent loans | 142.4900% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 1.1386% | 1,924 |
| Noncurrent loans to loans | 1.2777% | 1,843 |
| Net loans and leases to total assets | 79.5048% | 917 |
| Net loans and leases to deposits | 91.2181% | 1,484 |
| Net loans and leases to core deposits | 97.2541% | 1,739 |
| Total domestic deposits to total assets | 87.1591% | 2,046 |
| Equity capital to assets | 12.6722% | 1,519 |
| Core capital (leverage) ratio | 11.0319% | 2,371 |
| Tier 1 risk-based capital ratio | 13.6850% | 3,898 |
| Total risk-based capital ratio | 14.9592% | 3,813 |
| Memoranda: | ||
| Average total assets | $121,933,400 | 4,037 |
| Average earning assets | $109,696,600 | 4,070 |
| Average equity | $14,621,800 | 3,888 |
| Average total loans | $95,719,800 | 3,462 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1781% | 451 |
| Cost of funding earning assets | 0.5358% | 1,924 |
| Net interest margin | 4.6424% | 502 |
| Noninterest income to average assets | 1.4637% | 573 |
| Noninterest expense to average assets | 4.1284% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0060% | 2,439 |
| Return on assets (ROA) | 1.0060% | 2,533 |
| Pretax return on assets | 1.5095% | 1,656 |
| Return on Equity (ROE) | 8.5076% | 2,822 |
| Retained earnings to average equity (ytd only) | 5.6502% | 2,485 |
| Net charge-offs to loans | 0.0742% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.1339% | 1,625 |
| Efficiency ratio | 73.2264% | 2,681 |
| Assets per employee ($millions) | 3.7853% | 4,294 |
| Cash dividends to net income (ytd only)* | 33.5858% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 1,347 |
| Loan loss allowance to noncurrent loans | 122.4238% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 1.2408% | 1,894 |
| Noncurrent loans to loans | 1.4360% | 1,753 |
| Net loans and leases to total assets | 77.8311% | 1,128 |
| Net loans and leases to deposits | 88.8943% | 1,782 |
| Net loans and leases to core deposits | 93.0166% | 2,170 |
| Total domestic deposits to total assets | 87.5546% | 1,774 |
| Equity capital to assets | 12.2316% | 1,924 |
| Core capital (leverage) ratio | 10.1222% | 3,472 |
| Tier 1 risk-based capital ratio | 13.0843% | 4,386 |
| Total risk-based capital ratio | 14.3597% | 4,288 |
| Memoranda: | ||
| Average total assets | $122,335,250 | 4,077 |
| Average earning assets | $109,998,500 | 4,113 |
| Average equity | $14,465,250 | 3,954 |
| Average total loans | $95,290,000 | 3,505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 460 |
| Cost of funding earning assets | 0.5240% | 2,036 |
| Net interest margin | 4.6257% | 512 |
| Noninterest income to average assets | 1.5171% | 553 |
| Noninterest expense to average assets | 4.0737% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0657% | 2,078 |
| Return on assets (ROA) | 1.0657% | 2,186 |
| Pretax return on assets | 1.6002% | 1,328 |
| Return on Equity (ROE) | 9.1160% | 2,479 |
| Retained earnings to average equity (ytd only) | 4.7950% | 2,994 |
| Net charge-offs to loans | 0.0126% | 3,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 163.6667% | 403 |
| Efficiency ratio | 71.7978% | 3,026 |
| Assets per employee ($millions) | 3.7636% | 4,306 |
| Cash dividends to net income (ytd only)* | 47.4006% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 1,426 |
| Loan loss allowance to noncurrent loans | 124.0343% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.2263% | 2,061 |
| Noncurrent loans to loans | 1.4286% | 1,875 |
| Net loans and leases to total assets | 77.3966% | 1,152 |
| Net loans and leases to deposits | 87.8046% | 1,863 |
| Net loans and leases to core deposits | 91.7372% | 2,181 |
| Total domestic deposits to total assets | 88.1463% | 1,576 |
| Equity capital to assets | 11.6991% | 2,248 |
| Core capital (leverage) ratio | 9.8923% | 3,747 |
| Tier 1 risk-based capital ratio | 12.4600% | 4,838 |
| Total risk-based capital ratio | 13.7359% | 4,731 |
| Memoranda: | ||
| Average total assets | $122,737,330 | 4,100 |
| Average earning assets | $110,298,000 | 4,147 |
| Average equity | $14,348,330 | 3,989 |
| Average total loans | $95,065,670 | 3,534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9464% | 624 |
| Cost of funding earning assets | 0.5151% | 2,152 |
| Net interest margin | 4.4313% | 686 |
| Noninterest income to average assets | 0.7475% | 1,927 |
| Noninterest expense to average assets | 4.0489% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4557% | 4,844 |
| Return on assets (ROA) | 0.4557% | 4,960 |
| Pretax return on assets | 0.6754% | 4,671 |
| Return on Equity (ROE) | 3.8997% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.8997% | 3,664 |
| Net charge-offs to loans | 0.0555% | 2,211 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.8462% | 1,600 |
| Efficiency ratio | 85.7044% | 1,206 |
| Assets per employee ($millions) | 4.0851% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 1,487 |
| Loan loss allowance to noncurrent loans | 113.2459% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.2443% | 2,151 |
| Noncurrent loans to loans | 1.5957% | 1,754 |
| Net loans and leases to total assets | 76.5728% | 1,127 |
| Net loans and leases to deposits | 87.0157% | 1,723 |
| Net loans and leases to core deposits | 90.7046% | 2,063 |
| Total domestic deposits to total assets | 87.9988% | 1,825 |
| Equity capital to assets | 11.7083% | 2,283 |
| Core capital (leverage) ratio | 9.6247% | 4,118 |
| Tier 1 risk-based capital ratio | 12.2859% | 5,055 |
| Total risk-based capital ratio | 13.5651% | 4,948 |
| Memoranda: | ||
| Average total assets | $122,007,000 | 4,146 |
| Average earning assets | $109,493,500 | 4,189 |
| Average equity | $14,257,500 | 4,030 |
| Average total loans | $93,669,000 | 3,568 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 672 |
| Cost of funding earning assets | 0.5318% | 2,373 |
| Net interest margin | 4.5409% | 691 |
| Noninterest income to average assets | 3.6304% | 158 |
| Noninterest expense to average assets | 5.1990% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6121% | 696 |
| Return on assets (ROA) | 1.6121% | 726 |
| Pretax return on assets | 2.4294% | 217 |
| Return on Equity (ROE) | 15.8547% | 639 |
| Retained earnings to average equity (ytd only) | 15.8547% | 129 |
| Net charge-offs to loans | 0.3850% | 1,111 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.3657% | 2,889 |
| Efficiency ratio | 68.1535% | 3,874 |
| Assets per employee ($millions) | 3.7956% | 4,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8972% | 1,319 |
| Loan loss allowance to noncurrent loans | 111.6742% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2836% | 2,195 |
| Noncurrent loans to loans | 1.6988% | 1,721 |
| Net loans and leases to total assets | 74.1207% | 1,565 |
| Net loans and leases to deposits | 84.0989% | 2,205 |
| Net loans and leases to core deposits | 88.0253% | 2,497 |
| Total domestic deposits to total assets | 88.1352% | 1,697 |
| Equity capital to assets | 11.6631% | 2,290 |
| Core capital (leverage) ratio | 9.5923% | 4,115 |
| Tier 1 risk-based capital ratio | 12.9415% | 4,758 |
| Total risk-based capital ratio | 14.1998% | 4,672 |
| Memoranda: | ||
| Average total assets | $124,311,800 | 4,094 |
| Average earning assets | $109,449,000 | 4,195 |
| Average equity | $12,639,800 | 4,253 |
| Average total loans | $93,770,600 | 3,554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 741 |
| Cost of funding earning assets | 0.5292% | 2,475 |
| Net interest margin | 4.4931% | 747 |
| Noninterest income to average assets | 4.1089% | 144 |
| Noninterest expense to average assets | 5.3791% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7703% | 537 |
| Return on assets (ROA) | 1.7703% | 553 |
| Pretax return on assets | 2.6682% | 165 |
| Return on Equity (ROE) | 18.0554% | 441 |
| Retained earnings to average equity (ytd only) | 18.0554% | 111 |
| Net charge-offs to loans | 0.5077% | 759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 6.9694% | 2,992 |
| Efficiency ratio | 66.8434% | 4,074 |
| Assets per employee ($millions) | 4.0081% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 1,568 |
| Loan loss allowance to noncurrent loans | 92.9600% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.2330% | 1,230 |
| Noncurrent loans to loans | 1.9938% | 1,590 |
| Net loans and leases to total assets | 71.9616% | 1,857 |
| Net loans and leases to deposits | 80.9546% | 2,558 |
| Net loans and leases to core deposits | 84.2996% | 2,847 |
| Total domestic deposits to total assets | 88.8913% | 1,303 |
| Equity capital to assets | 10.7820% | 3,202 |
| Core capital (leverage) ratio | 9.1158% | 4,910 |
| Tier 1 risk-based capital ratio | 12.6120% | 5,101 |
| Total risk-based capital ratio | 13.8701% | 5,011 |
| Memoranda: | ||
| Average total assets | $125,024,750 | 4,120 |
| Average earning assets | $109,588,250 | 4,228 |
| Average equity | $12,258,250 | 4,334 |
| Average total loans | $94,271,250 | 3,575 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 655 |
| Cost of funding earning assets | 0.5297% | 2,545 |
| Net interest margin | 4.5396% | 652 |
| Noninterest income to average assets | 2.6108% | 228 |
| Noninterest expense to average assets | 5.2733% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8633% | 2,991 |
| Return on assets (ROA) | 0.8633% | 3,090 |
| Pretax return on assets | 1.2925% | 2,278 |
| Return on Equity (ROE) | 9.1183% | 2,540 |
| Retained earnings to average equity (ytd only) | 9.1183% | 952 |
| Net charge-offs to loans | 0.8288% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.0486% | 3,658 |
| Efficiency ratio | 80.3146% | 1,979 |
| Assets per employee ($millions) | 3.9514% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 1,845 |
| Loan loss allowance to noncurrent loans | 107.8184% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 2.0364% | 1,562 |
| Noncurrent loans to loans | 1.6664% | 2,079 |
| Net loans and leases to total assets | 73.9185% | 1,456 |
| Net loans and leases to deposits | 81.9958% | 2,251 |
| Net loans and leases to core deposits | 85.6992% | 2,548 |
| Total domestic deposits to total assets | 90.1492% | 738 |
| Equity capital to assets | 9.6081% | 4,611 |
| Core capital (leverage) ratio | 7.4530% | 6,327 |
| Tier 1 risk-based capital ratio | 10.4973% | 6,252 |
| Total risk-based capital ratio | 11.7567% | 6,197 |
| Memoranda: | ||
| Average total assets | $123,946,330 | 4,160 |
| Average earning assets | $107,983,330 | 4,292 |
| Average equity | $11,734,670 | 4,447 |
| Average total loans | $94,348,000 | 3,583 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9369% | 813 |
| Cost of funding earning assets | 0.5222% | 2,688 |
| Net interest margin | 4.4146% | 780 |
| Noninterest income to average assets | 2.3538% | 260 |
| Noninterest expense to average assets | 5.3204% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5803% | 4,298 |
| Return on assets (ROA) | 0.5803% | 4,365 |
| Pretax return on assets | 0.8639% | 3,846 |
| Return on Equity (ROE) | 6.1765% | 3,929 |
| Retained earnings to average equity (ytd only) | 6.1765% | 2,443 |
| Net charge-offs to loans | 0.8815% | 396 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.2802% | 3,129 |
| Efficiency ratio | 86.0306% | 1,450 |
| Assets per employee ($millions) | 3.8321% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 1,520 |
| Loan loss allowance to noncurrent loans | 66.2701% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.6428% | 701 |
| Noncurrent loans to loans | 3.0154% | 1,043 |
| Net loans and leases to total assets | 75.7466% | 1,033 |
| Net loans and leases to deposits | 83.9517% | 1,822 |
| Net loans and leases to core deposits | 87.8553% | 2,111 |
| Total domestic deposits to total assets | 90.2264% | 947 |
| Equity capital to assets | 9.4898% | 4,514 |
| Core capital (leverage) ratio | 6.9300% | 6,486 |
| Tier 1 risk-based capital ratio | 9.3634% | 6,571 |
| Total risk-based capital ratio | 10.6241% | 6,555 |
| Memoranda: | ||
| Average total assets | $122,696,500 | 4,221 |
| Average earning assets | $106,464,000 | 4,354 |
| Average equity | $11,527,500 | 4,504 |
| Average total loans | $93,933,500 | 3,610 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3739% | 460 |
| Cost of funding earning assets | 0.5364% | 3,235 |
| Net interest margin | 4.8375% | 400 |
| Noninterest income to average assets | 2.2018% | 346 |
| Noninterest expense to average assets | 5.1303% | 318 |
| Loan and lease loss provision to assets | 0.0403% | 4,314 |
| Net operating income to assets | 0.7081% | 3,758 |
| Return on assets (ROA) | 0.7081% | 3,842 |
| Pretax return on assets | 1.0678% | 3,082 |
| Return on Equity (ROE) | 7.9428% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.9428% | 1,072 |
| Net charge-offs to loans | 0.3221% | 2,071 |
| Credit loss provision to net charge-offs | 17.1233% | 4,495 |
| Earnings coverage of net charge-offs (x) | 4.7055% | 3,480 |
| Efficiency ratio | 82.2366% | 1,852 |
| Assets per employee ($millions) | 3.8365% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 1,105 |
| Loan loss allowance to noncurrent loans | 67.5129% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 3.9791% | 671 |
| Noncurrent loans to loans | 3.3431% | 969 |
| Net loans and leases to total assets | 74.1136% | 1,330 |
| Net loans and leases to deposits | 81.9954% | 2,181 |
| Net loans and leases to core deposits | 85.7882% | 2,472 |
| Total domestic deposits to total assets | 90.3875% | 882 |
| Equity capital to assets | 9.3005% | 4,692 |
| Core capital (leverage) ratio | 6.6329% | 6,576 |
| Tier 1 risk-based capital ratio | 9.2584% | 6,637 |
| Total risk-based capital ratio | 10.5222% | 6,616 |
| Memoranda: | ||
| Average total assets | $123,990,000 | 4,182 |
| Average earning assets | $103,462,400 | 4,422 |
| Average equity | $11,054,000 | 4,621 |
| Average total loans | $90,658,800 | 3,675 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 532 |
| Cost of funding earning assets | 0.5400% | 3,362 |
| Net interest margin | 4.7637% | 460 |
| Noninterest income to average assets | 2.3202% | 328 |
| Noninterest expense to average assets | 5.0588% | 321 |
| Loan and lease loss provision to assets | 0.0536% | 3,963 |
| Net operating income to assets | 0.7638% | 3,536 |
| Return on assets (ROA) | 0.7638% | 3,669 |
| Pretax return on assets | 1.1446% | 2,925 |
| Return on Equity (ROE) | 8.6592% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.6592% | 1,169 |
| Net charge-offs to loans | 0.1007% | 3,539 |
| Credit loss provision to net charge-offs | 73.5294% | 2,988 |
| Earnings coverage of net charge-offs (x) | 16.4273% | 1,806 |
| Efficiency ratio | 80.8503% | 1,988 |
| Assets per employee ($millions) | 3.6946% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 875 |
| Loan loss allowance to noncurrent loans | 44.6943% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 5.5407% | 471 |
| Noncurrent loans to loans | 5.7297% | 465 |
| Net loans and leases to total assets | 70.4244% | 1,887 |
| Net loans and leases to deposits | 77.6247% | 2,725 |
| Net loans and leases to core deposits | 81.1092% | 2,990 |
| Total domestic deposits to total assets | 90.7242% | 643 |
| Equity capital to assets | 8.9789% | 5,213 |
| Core capital (leverage) ratio | 6.5106% | 6,666 |
| Tier 1 risk-based capital ratio | 8.9197% | 6,728 |
| Total risk-based capital ratio | 10.1877% | 6,731 |
| Memoranda: | ||
| Average total assets | $124,295,750 | 4,220 |
| Average earning assets | $102,718,000 | 4,483 |
| Average equity | $10,963,000 | 4,691 |
| Average total loans | $90,051,500 | 3,717 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 377 |
| Cost of funding earning assets | 0.5510% | 3,401 |
| Net interest margin | 4.9410% | 342 |
| Noninterest income to average assets | 2.4416% | 332 |
| Noninterest expense to average assets | 5.2351% | 301 |
| Loan and lease loss provision to assets | 0.0807% | 3,444 |
| Net operating income to assets | 0.7606% | 3,512 |
| Return on assets (ROA) | 0.7606% | 3,661 |
| Pretax return on assets | 1.1368% | 2,937 |
| Return on Equity (ROE) | 8.6759% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.6759% | 1,233 |
| Net charge-offs to loans | 0.2472% | 2,244 |
| Credit loss provision to net charge-offs | 45.0450% | 3,322 |
| Earnings coverage of net charge-offs (x) | 6.7928% | 2,650 |
| Efficiency ratio | 81.1311% | 2,009 |
| Assets per employee ($millions) | 3.7574% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5773% | 901 |
| Loan loss allowance to noncurrent loans | 55.8766% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 7.5932% | 292 |
| Noncurrent loans to loans | 4.6124% | 747 |
| Net loans and leases to total assets | 69.5692% | 1,954 |
| Net loans and leases to deposits | 76.6077% | 2,783 |
| Net loans and leases to core deposits | 80.2712% | 2,995 |
| Total domestic deposits to total assets | 90.8124% | 614 |
| Equity capital to assets | 8.9053% | 5,320 |
| Core capital (leverage) ratio | 6.3224% | 6,720 |
| Tier 1 risk-based capital ratio | 8.4943% | 6,788 |
| Total risk-based capital ratio | 9.7600% | 6,789 |
| Memoranda: | ||
| Average total assets | $123,855,330 | 4,260 |
| Average earning assets | $100,545,670 | 4,569 |
| Average equity | $10,857,670 | 4,759 |
| Average total loans | $89,805,330 | 3,728 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 450 |
| Cost of funding earning assets | 0.5499% | 3,570 |
| Net interest margin | 4.8214% | 386 |
| Noninterest income to average assets | 3.1441% | 240 |
| Noninterest expense to average assets | 5.4933% | 270 |
| Loan and lease loss provision to assets | 0.1616% | 2,255 |
| Net operating income to assets | 0.9339% | 2,502 |
| Return on assets (ROA) | 0.9339% | 2,645 |
| Pretax return on assets | 1.3992% | 1,855 |
| Return on Equity (ROE) | 10.7380% | 1,778 |
| Retained earnings to average equity (ytd only) | 10.7380% | 930 |
| Net charge-offs to loans | 0.5927% | 1,029 |
| Credit loss provision to net charge-offs | 37.3134% | 2,785 |
| Earnings coverage of net charge-offs (x) | 3.6045% | 2,727 |
| Efficiency ratio | 77.8745% | 2,624 |
| Assets per employee ($millions) | 3.8197% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5228% | 1,083 |
| Loan loss allowance to noncurrent loans | 65.4024% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 7.5881% | 348 |
| Noncurrent loans to loans | 3.8574% | 1,192 |
| Net loans and leases to total assets | 71.4082% | 1,449 |
| Net loans and leases to deposits | 78.7049% | 2,252 |
| Net loans and leases to core deposits | 82.3269% | 2,532 |
| Total domestic deposits to total assets | 90.7290% | 656 |
| Equity capital to assets | 8.9249% | 5,580 |
| Core capital (leverage) ratio | 6.0754% | 6,796 |
| Tier 1 risk-based capital ratio | 8.2522% | 6,851 |
| Total risk-based capital ratio | 9.5188% | 6,852 |
| Memoranda: | ||
| Average total assets | $123,786,500 | 4,308 |
| Average earning assets | $100,385,000 | 4,613 |
| Average equity | $10,765,500 | 4,818 |
| Average total loans | $90,436,500 | 3,740 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 865 |
| Cost of funding earning assets | 0.8253% | 2,463 |
| Net interest margin | 4.5075% | 936 |
| Noninterest income to average assets | 0.8557% | 2,012 |
| Noninterest expense to average assets | 4.7921% | 439 |
| Loan and lease loss provision to assets | 1.4818% | 217 |
| Net operating income to assets | -1.1304% | 6,779 |
| Return on assets (ROA) | -1.0615% | 6,780 |
| Pretax return on assets | -1.6243% | 6,878 |
| Return on Equity (ROE) | -13.8131% | 6,806 |
| Retained earnings to average equity (ytd only) | -13.8131% | 6,750 |
| Net charge-offs to loans | 3.3071% | 128 |
| Credit loss provision to net charge-offs | 63.6735% | 4,352 |
| Earnings coverage of net charge-offs (x) | -0.1068% | 5,542 |
| Efficiency ratio | 105.4704% | 417 |
| Assets per employee ($millions) | 4.0433% | 3,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5654% | 1,049 |
| Loan loss allowance to noncurrent loans | 50.2143% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 7.9997% | 338 |
| Noncurrent loans to loans | 5.1089% | 771 |
| Net loans and leases to total assets | 70.9962% | 1,649 |
| Net loans and leases to deposits | 77.8493% | 2,555 |
| Net loans and leases to core deposits | 81.3173% | 2,845 |
| Total domestic deposits to total assets | 91.1969% | 431 |
| Equity capital to assets | 8.4744% | 6,070 |
| Core capital (leverage) ratio | 5.2852% | 6,915 |
| Tier 1 risk-based capital ratio | 6.9472% | 6,957 |
| Total risk-based capital ratio | 8.2135% | 6,958 |
| Memoranda: | ||
| Average total assets | $126,333,400 | 4,222 |
| Average earning assets | $103,361,200 | 4,505 |
| Average equity | $9,708,200 | 5,049 |
| Average total loans | $88,898,800 | 3,772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 883 |
| Cost of funding earning assets | 0.8952% | 2,204 |
| Net interest margin | 4.4773% | 1,034 |
| Noninterest income to average assets | 0.1211% | 6,531 |
| Noninterest expense to average assets | 4.4808% | 546 |
| Loan and lease loss provision to assets | 1.9613% | 129 |
| Net operating income to assets | -1.7416% | 7,008 |
| Return on assets (ROA) | -1.6484% | 7,002 |
| Pretax return on assets | -2.5132% | 7,082 |
| Return on Equity (ROE) | -22.0112% | 7,010 |
| Retained earnings to average equity (ytd only) | -22.0112% | 6,995 |
| Net charge-offs to loans | 4.1695% | 73 |
| Credit loss provision to net charge-offs | 67.4393% | 3,967 |
| Earnings coverage of net charge-offs (x) | -0.2383% | 5,423 |
| Efficiency ratio | 118.2981% | 208 |
| Assets per employee ($millions) | 3.6476% | 4,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9745% | 734 |
| Loan loss allowance to noncurrent loans | 47.9115% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 8.5312% | 341 |
| Noncurrent loans to loans | 6.2083% | 638 |
| Net loans and leases to total assets | 68.0734% | 2,283 |
| Net loans and leases to deposits | 73.7275% | 3,334 |
| Net loans and leases to core deposits | 78.5385% | 3,384 |
| Total domestic deposits to total assets | 92.3311% | 169 |
| Equity capital to assets | 7.3573% | 6,803 |
| Core capital (leverage) ratio | 3.7074% | 7,104 |
| Tier 1 risk-based capital ratio | 5.0477% | 7,115 |
| Total risk-based capital ratio | 6.3178% | 7,114 |
| Memoranda: | ||
| Average total assets | $126,581,250 | 4,260 |
| Average earning assets | $103,661,500 | 4,554 |
| Average equity | $9,479,750 | 5,157 |
| Average total loans | $88,290,750 | 3,833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 816 |
| Cost of funding earning assets | 0.9640% | 1,970 |
| Net interest margin | 4.4716% | 1,043 |
| Noninterest income to average assets | -0.3715% | 7,170 |
| Noninterest expense to average assets | 4.2689% | 673 |
| Loan and lease loss provision to assets | 1.8842% | 163 |
| Net operating income to assets | -1.8740% | 7,057 |
| Return on assets (ROA) | -1.7365% | 7,059 |
| Pretax return on assets | -2.6459% | 7,130 |
| Return on Equity (ROE) | -23.0602% | 7,060 |
| Retained earnings to average equity (ytd only) | -23.0602% | 7,044 |
| Net charge-offs to loans | 3.9589% | 111 |
| Credit loss provision to net charge-offs | 68.3587% | 3,606 |
| Earnings coverage of net charge-offs (x) | -0.3519% | 5,202 |
| Efficiency ratio | 129.4062% | 168 |
| Assets per employee ($millions) | 3.8944% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4565% | 505 |
| Loan loss allowance to noncurrent loans | 48.6265% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 9.6067% | 291 |
| Noncurrent loans to loans | 7.1082% | 541 |
| Net loans and leases to total assets | 63.8764% | 3,065 |
| Net loans and leases to deposits | 69.2666% | 4,002 |
| Net loans and leases to core deposits | 74.2873% | 3,984 |
| Total domestic deposits to total assets | 92.2181% | 196 |
| Equity capital to assets | 7.4361% | 6,816 |
| Core capital (leverage) ratio | 4.1413% | 7,123 |
| Tier 1 risk-based capital ratio | 5.7930% | 7,134 |
| Total risk-based capital ratio | 7.0685% | 7,135 |
| Memoranda: | ||
| Average total assets | $128,651,670 | 4,236 |
| Average earning assets | $105,598,670 | 4,517 |
| Average equity | $9,687,670 | 5,114 |
| Average total loans | $89,570,330 | 3,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4637% | 803 |
| Cost of funding earning assets | 0.9867% | 2,056 |
| Net interest margin | 4.4771% | 1,058 |
| Noninterest income to average assets | -1.0990% | 7,285 |
| Noninterest expense to average assets | 4.1204% | 807 |
| Loan and lease loss provision to assets | 3.7102% | 38 |
| Net operating income to assets | -3.4439% | 7,241 |
| Return on assets (ROA) | -3.4439% | 7,242 |
| Pretax return on assets | -5.2347% | 7,275 |
| Return on Equity (ROE) | -45.4637% | 7,215 |
| Retained earnings to average equity (ytd only) | -45.4637% | 7,202 |
| Net charge-offs to loans | 6.9796% | 46 |
| Credit loss provision to net charge-offs | 74.5846% | 2,838 |
| Earnings coverage of net charge-offs (x) | -0.3065% | 4,467 |
| Efficiency ratio | 158.7264% | 84 |
| Assets per employee ($millions) | 4.1328% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3602% | 593 |
| Loan loss allowance to noncurrent loans | 43.9396% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 9.9909% | 300 |
| Noncurrent loans to loans | 7.6473% | 536 |
| Net loans and leases to total assets | 67.3002% | 2,231 |
| Net loans and leases to deposits | 72.8647% | 3,287 |
| Net loans and leases to core deposits | 78.2323% | 3,292 |
| Total domestic deposits to total assets | 92.3632% | 209 |
| Equity capital to assets | 7.3050% | 6,846 |
| Core capital (leverage) ratio | 3.9830% | 7,180 |
| Tier 1 risk-based capital ratio | 5.3416% | 7,199 |
| Total risk-based capital ratio | 6.6159% | 7,201 |
| Memoranda: | ||
| Average total assets | $130,666,500 | 4,216 |
| Average earning assets | $107,838,500 | 4,489 |
| Average equity | $9,898,000 | 5,066 |
| Average total loans | $93,128,500 | 3,749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 1,196 |
| Cost of funding earning assets | 1.2176% | 1,909 |
| Net interest margin | 4.2689% | 1,810 |
| Noninterest income to average assets | 0.1532% | 6,386 |
| Noninterest expense to average assets | 3.9769% | 1,070 |
| Loan and lease loss provision to assets | 0.0709% | 5,731 |
| Net operating income to assets | -0.2064% | 6,264 |
| Return on assets (ROA) | -0.2064% | 6,334 |
| Pretax return on assets | -0.3256% | 6,367 |
| Return on Equity (ROE) | -2.8031% | 6,391 |
| Retained earnings to average equity (ytd only) | -2.8031% | 6,243 |
| Net charge-offs to loans | 2.2460% | 564 |
| Credit loss provision to net charge-offs | 4.3384% | 6,048 |
| Earnings coverage of net charge-offs (x) | -0.1557% | 5,931 |
| Efficiency ratio | 106.8420% | 503 |
| Assets per employee ($millions) | 4.0368% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5152% | 526 |
| Loan loss allowance to noncurrent loans | 35.8411% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 10.8981% | 274 |
| Noncurrent loans to loans | 9.8077% | 335 |
| Net loans and leases to total assets | 70.2806% | 1,976 |
| Net loans and leases to deposits | 76.4898% | 3,098 |
| Net loans and leases to core deposits | 84.6282% | 2,794 |
| Total domestic deposits to total assets | 91.8824% | 254 |
| Equity capital to assets | 7.8346% | 6,668 |
| Core capital (leverage) ratio | 5.1132% | 7,133 |
| Tier 1 risk-based capital ratio | 6.8780% | 7,164 |
| Total risk-based capital ratio | 8.1568% | 7,162 |
| Memoranda: | ||
| Average total assets | $140,962,600 | 3,962 |
| Average earning assets | $117,852,800 | 4,186 |
| Average equity | $10,381,200 | 4,929 |
| Average total loans | $102,627,400 | 3,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5824% | 1,075 |
| Cost of funding earning assets | 1.2657% | 1,897 |
| Net interest margin | 4.3167% | 1,655 |
| Noninterest income to average assets | 0.3032% | 5,439 |
| Noninterest expense to average assets | 4.2136% | 785 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.1894% | 6,375 |
| Return on assets (ROA) | -0.1894% | 6,455 |
| Pretax return on assets | -0.2986% | 6,490 |
| Return on Equity (ROE) | -2.6107% | 6,533 |
| Retained earnings to average equity (ytd only) | -2.6107% | 6,370 |
| Net charge-offs to loans | 2.8031% | 355 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -0.1463% | 5,692 |
| Efficiency ratio | 107.6263% | 473 |
| Assets per employee ($millions) | 4.1373% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4051% | 611 |
| Loan loss allowance to noncurrent loans | 24.8011% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 13.3413% | 182 |
| Noncurrent loans to loans | 13.7296% | 172 |
| Net loans and leases to total assets | 71.2461% | 1,857 |
| Net loans and leases to deposits | 77.3198% | 3,117 |
| Net loans and leases to core deposits | 88.7414% | 2,402 |
| Total domestic deposits to total assets | 92.1446% | 193 |
| Equity capital to assets | 7.6744% | 6,858 |
| Core capital (leverage) ratio | 5.1103% | 7,226 |
| Tier 1 risk-based capital ratio | 6.7796% | 7,259 |
| Total risk-based capital ratio | 8.0559% | 7,262 |
| Memoranda: | ||
| Average total assets | $142,899,250 | 3,948 |
| Average earning assets | $119,564,000 | 4,163 |
| Average equity | $10,367,250 | 4,943 |
| Average total loans | $104,025,250 | 3,545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 1,154 |
| Cost of funding earning assets | 1.3217% | 1,811 |
| Net interest margin | 4.2361% | 1,892 |
| Noninterest income to average assets | 0.4510% | 4,275 |
| Noninterest expense to average assets | 4.0228% | 1,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.0152% | 6,247 |
| Return on assets (ROA) | -0.0152% | 6,316 |
| Pretax return on assets | -0.0359% | 6,299 |
| Return on Equity (ROE) | -0.2130% | 6,325 |
| Retained earnings to average equity (ytd only) | -0.2130% | 5,883 |
| Net charge-offs to loans | 3.3691% | 275 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -0.0147% | 5,296 |
| Efficiency ratio | 100.8993% | 695 |
| Assets per employee ($millions) | 4.2143% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7801% | 474 |
| Loan loss allowance to noncurrent loans | 30.2494% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 13.7317% | 182 |
| Noncurrent loans to loans | 12.4964% | 227 |
| Net loans and leases to total assets | 70.3751% | 2,142 |
| Net loans and leases to deposits | 76.3873% | 3,398 |
| Net loans and leases to core deposits | 88.3329% | 2,592 |
| Total domestic deposits to total assets | 92.1293% | 214 |
| Equity capital to assets | 7.6579% | 6,875 |
| Core capital (leverage) ratio | 5.1464% | 7,287 |
| Tier 1 risk-based capital ratio | 6.8760% | 7,318 |
| Total risk-based capital ratio | 8.1563% | 7,323 |
| Memoranda: | ||
| Average total assets | $145,022,000 | 3,935 |
| Average earning assets | $121,054,670 | 4,166 |
| Average equity | $10,330,330 | 4,965 |
| Average total loans | $105,133,000 | 3,559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5160% | 1,254 |
| Cost of funding earning assets | 1.3540% | 1,863 |
| Net interest margin | 4.1620% | 2,025 |
| Noninterest income to average assets | 0.5297% | 3,657 |
| Noninterest expense to average assets | 3.8460% | 1,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1216% | 6,035 |
| Return on assets (ROA) | 0.1216% | 6,094 |
| Pretax return on assets | 0.1730% | 6,000 |
| Return on Equity (ROE) | 1.7698% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.7698% | 5,058 |
| Net charge-offs to loans | 3.0625% | 352 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.0782% | 4,533 |
| Efficiency ratio | 95.6960% | 937 |
| Assets per employee ($millions) | 4.0304% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5803% | 268 |
| Loan loss allowance to noncurrent loans | 39.4897% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 12.3535% | 246 |
| Noncurrent loans to loans | 11.5987% | 303 |
| Net loans and leases to total assets | 68.8903% | 2,356 |
| Net loans and leases to deposits | 74.4644% | 3,687 |
| Net loans and leases to core deposits | 85.4967% | 2,956 |
| Total domestic deposits to total assets | 92.5145% | 177 |
| Equity capital to assets | 7.3029% | 6,969 |
| Core capital (leverage) ratio | 4.9624% | 7,367 |
| Tier 1 risk-based capital ratio | 7.0069% | 7,368 |
| Total risk-based capital ratio | 8.2993% | 7,371 |
| Memoranda: | ||
| Average total assets | $147,997,000 | 3,909 |
| Average earning assets | $124,074,500 | 4,138 |
| Average equity | $10,170,500 | 4,995 |
| Average total loans | $106,841,000 | 3,563 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 1,421 |
| Cost of funding earning assets | 1.8157% | 1,110 |
| Net interest margin | 3.9295% | 3,349 |
| Noninterest income to average assets | -0.8158% | 7,607 |
| Noninterest expense to average assets | 3.6611% | 1,788 |
| Loan and lease loss provision to assets | 4.6295% | 95 |
| Net operating income to assets | -3.7426% | 7,410 |
| Return on assets (ROA) | -3.6373% | 7,407 |
| Pretax return on assets | -5.5241% | 7,564 |
| Return on Equity (ROE) | -44.1646% | 7,387 |
| Retained earnings to average equity (ytd only) | -44.1646% | 7,381 |
| Net charge-offs to loans | 4.4833% | 243 |
| Credit loss provision to net charge-offs | 138.6287% | 2,751 |
| Earnings coverage of net charge-offs (x) | -0.3157% | 6,364 |
| Efficiency ratio | 140.4368% | 255 |
| Assets per employee ($millions) | 4.1917% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1557% | 175 |
| Loan loss allowance to noncurrent loans | 36.1693% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 14.0231% | 193 |
| Noncurrent loans to loans | 14.2542% | 190 |
| Net loans and leases to total assets | 68.4641% | 2,872 |
| Net loans and leases to deposits | 73.3658% | 4,303 |
| Net loans and leases to core deposits | 86.4957% | 3,254 |
| Total domestic deposits to total assets | 93.3188% | 120 |
| Equity capital to assets | 6.4579% | 7,264 |
| Core capital (leverage) ratio | 4.1449% | 7,484 |
| Tier 1 risk-based capital ratio | 5.8564% | 7,484 |
| Total risk-based capital ratio | 7.1546% | 7,487 |
| Memoranda: | ||
| Average total assets | $159,843,800 | 3,701 |
| Average earning assets | $139,228,000 | 3,835 |
| Average equity | $13,164,400 | 4,334 |
| Average total loans | $119,064,400 | 3,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6695% | 1,812 |
| Cost of funding earning assets | 1.9204% | 961 |
| Net interest margin | 3.7490% | 4,189 |
| Noninterest income to average assets | -0.5668% | 7,688 |
| Noninterest expense to average assets | 3.4813% | 2,075 |
| Loan and lease loss provision to assets | 6.0874% | 45 |
| Net operating income to assets | -4.5063% | 7,615 |
| Return on assets (ROA) | -4.3673% | 7,609 |
| Pretax return on assets | -6.6344% | 7,703 |
| Return on Equity (ROE) | -50.4912% | 7,563 |
| Retained earnings to average equity (ytd only) | -50.4912% | 7,560 |
| Net charge-offs to loans | 4.0504% | 298 |
| Credit loss provision to net charge-offs | 200.3249% | 1,780 |
| Earnings coverage of net charge-offs (x) | -0.2493% | 6,215 |
| Efficiency ratio | 127.8164% | 315 |
| Assets per employee ($millions) | 4.3190% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3148% | 97 |
| Loan loss allowance to noncurrent loans | 58.4353% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 11.5157% | 300 |
| Noncurrent loans to loans | 10.8065% | 357 |
| Net loans and leases to total assets | 69.2727% | 2,910 |
| Net loans and leases to deposits | 75.6472% | 4,236 |
| Net loans and leases to core deposits | 88.6208% | 3,299 |
| Total domestic deposits to total assets | 91.5734% | 287 |
| Equity capital to assets | 6.6013% | 7,415 |
| Core capital (leverage) ratio | 4.5742% | 7,589 |
| Tier 1 risk-based capital ratio | 6.5035% | 7,582 |
| Total risk-based capital ratio | 7.8201% | 7,582 |
| Memoranda: | ||
| Average total assets | $162,079,500 | 3,715 |
| Average earning assets | $142,255,500 | 3,829 |
| Average equity | $14,019,250 | 4,195 |
| Average total loans | $121,598,250 | 3,336 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 1,806 |
| Cost of funding earning assets | 2.0419% | 792 |
| Net interest margin | 3.6481% | 4,589 |
| Noninterest income to average assets | -0.5272% | 7,752 |
| Noninterest expense to average assets | 3.3370% | 2,438 |
| Loan and lease loss provision to assets | 1.0957% | 1,309 |
| Net operating income to assets | -1.1327% | 7,002 |
| Return on assets (ROA) | -1.0860% | 6,997 |
| Pretax return on assets | -1.6667% | 7,134 |
| Return on Equity (ROE) | -11.6823% | 7,028 |
| Retained earnings to average equity (ytd only) | -11.6823% | 6,986 |
| Net charge-offs to loans | 2.4958% | 686 |
| Credit loss provision to net charge-offs | 58.2524% | 5,250 |
| Earnings coverage of net charge-offs (x) | -0.3417% | 5,945 |
| Efficiency ratio | 123.8590% | 364 |
| Assets per employee ($millions) | 4.5757% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3890% | 1,441 |
| Loan loss allowance to noncurrent loans | 22.9001% | 6,798 |
| Noncurrent assets plus other real estate owned to assets | 10.8897% | 334 |
| Noncurrent loans to loans | 10.4324% | 412 |
| Net loans and leases to total assets | 74.2150% | 1,864 |
| Net loans and leases to deposits | 81.9889% | 3,276 |
| Net loans and leases to core deposits | 103.6866% | 1,671 |
| Total domestic deposits to total assets | 90.5183% | 679 |
| Equity capital to assets | 9.2881% | 5,020 |
| Core capital (leverage) ratio | 9.0625% | 4,504 |
| Tier 1 risk-based capital ratio | 12.4526% | 4,903 |
| Total risk-based capital ratio | 13.7175% | 4,871 |
| Memoranda: | ||
| Average total assets | $164,278,000 | 3,703 |
| Average earning assets | $145,063,330 | 3,795 |
| Average equity | $15,271,000 | 3,938 |
| Average total loans | $123,808,330 | 3,325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4620% | 2,772 |
| Cost of funding earning assets | 2.1146% | 773 |
| Net interest margin | 3.3474% | 5,797 |
| Noninterest income to average assets | -0.0577% | 7,730 |
| Noninterest expense to average assets | 3.2680% | 2,643 |
| Loan and lease loss provision to assets | 1.2625% | 963 |
| Net operating income to assets | -1.0541% | 7,139 |
| Return on assets (ROA) | -0.9619% | 7,115 |
| Pretax return on assets | -1.4885% | 7,256 |
| Return on Equity (ROE) | -10.3433% | 7,152 |
| Retained earnings to average equity (ytd only) | -10.3433% | 6,986 |
| Net charge-offs to loans | 4.0503% | 323 |
| Credit loss provision to net charge-offs | 41.5348% | 4,614 |
| Earnings coverage of net charge-offs (x) | -0.1210% | 5,115 |
| Efficiency ratio | 112.6866% | 545 |
| Assets per employee ($millions) | 4.6581% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2715% | 1,622 |
| Loan loss allowance to noncurrent loans | 20.6393% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 11.5142% | 295 |
| Noncurrent loans to loans | 11.0055% | 360 |
| Net loans and leases to total assets | 74.2880% | 1,912 |
| Net loans and leases to deposits | 82.2763% | 3,238 |
| Net loans and leases to core deposits | 104.9815% | 1,660 |
| Total domestic deposits to total assets | 90.2909% | 837 |
| Equity capital to assets | 9.3564% | 4,749 |
| Core capital (leverage) ratio | 9.2068% | 4,213 |
| Tier 1 risk-based capital ratio | 12.1155% | 5,074 |
| Total risk-based capital ratio | 13.3779% | 5,025 |
| Memoranda: | ||
| Average total assets | $166,341,500 | 3,728 |
| Average earning assets | $146,978,500 | 3,818 |
| Average equity | $15,469,000 | 3,932 |
| Average total loans | $124,830,000 | 3,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9178% | 2,163 |
| Cost of funding earning assets | 2.9709% | 252 |
| Net interest margin | 2.9470% | 6,763 |
| Noninterest income to average assets | -0.1956% | 7,855 |
| Noninterest expense to average assets | 3.0181% | 4,080 |
| Loan and lease loss provision to assets | 2.1476% | 979 |
| Net operating income to assets | -1.7572% | 6,994 |
| Return on assets (ROA) | -1.6458% | 6,936 |
| Pretax return on assets | -2.5323% | 7,153 |
| Return on Equity (ROE) | -18.1022% | 7,084 |
| Retained earnings to average equity (ytd only) | -18.1022% | 7,040 |
| Net charge-offs to loans | 1.9520% | 1,269 |
| Credit loss provision to net charge-offs | 146.4205% | 3,236 |
| Earnings coverage of net charge-offs (x) | -0.3791% | 6,608 |
| Efficiency ratio | 122.5814% | 569 |
| Assets per employee ($millions) | 4.9897% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8267% | 909 |
| Loan loss allowance to noncurrent loans | 23.7408% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 11.7247% | 263 |
| Noncurrent loans to loans | 11.9064% | 287 |
| Net loans and leases to total assets | 72.0171% | 2,749 |
| Net loans and leases to deposits | 79.7375% | 4,041 |
| Net loans and leases to core deposits | 138.3298% | 866 |
| Total domestic deposits to total assets | 90.3177% | 826 |
| Equity capital to assets | 9.2449% | 4,780 |
| Core capital (leverage) ratio | 8.6120% | 5,075 |
| Tier 1 risk-based capital ratio | 11.9618% | 4,975 |
| Total risk-based capital ratio | 13.2298% | 4,915 |
| Memoranda: | ||
| Average total assets | $180,944,400 | 3,422 |
| Average earning assets | $163,184,400 | 3,460 |
| Average equity | $16,451,000 | 3,789 |
| Average total loans | $135,960,600 | 3,155 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9628% | 2,181 |
| Cost of funding earning assets | 3.0735% | 266 |
| Net interest margin | 2.8893% | 6,880 |
| Noninterest income to average assets | 0.1139% | 7,323 |
| Noninterest expense to average assets | 2.7244% | 5,221 |
| Loan and lease loss provision to assets | 2.7345% | 576 |
| Net operating income to assets | -1.7684% | 7,225 |
| Return on assets (ROA) | -1.7406% | 7,213 |
| Pretax return on assets | -2.6859% | 7,415 |
| Return on Equity (ROE) | -19.2191% | 7,347 |
| Retained earnings to average equity (ytd only) | -19.2191% | 7,311 |
| Net charge-offs to loans | 1.5882% | 1,287 |
| Credit loss provision to net charge-offs | 228.4242% | 1,908 |
| Earnings coverage of net charge-offs (x) | 0.0049% | 6,060 |
| Efficiency ratio | 99.7874% | 1,069 |
| Assets per employee ($millions) | 6.2891% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4342% | 445 |
| Loan loss allowance to noncurrent loans | 41.4892% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 8.3341% | 495 |
| Noncurrent loans to loans | 8.2774% | 573 |
| Net loans and leases to total assets | 68.4686% | 3,851 |
| Net loans and leases to deposits | 75.5783% | 5,115 |
| Net loans and leases to core deposits | 132.2646% | 1,317 |
| Total domestic deposits to total assets | 90.5929% | 552 |
| Equity capital to assets | 8.9027% | 5,629 |
| Core capital (leverage) ratio | 8.6017% | 5,302 |
| Tier 1 risk-based capital ratio | 12.3002% | 4,709 |
| Total risk-based capital ratio | 13.5771% | 4,627 |
| Memoranda: | ||
| Average total assets | $183,768,000 | 3,407 |
| Average earning assets | $166,405,000 | 3,439 |
| Average equity | $16,642,750 | 3,777 |
| Average total loans | $138,518,000 | 3,145 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9336% | 2,441 |
| Cost of funding earning assets | 3.1924% | 269 |
| Net interest margin | 2.7411% | 7,118 |
| Noninterest income to average assets | 0.1172% | 7,400 |
| Noninterest expense to average assets | 2.6771% | 5,465 |
| Loan and lease loss provision to assets | 1.9193% | 854 |
| Net operating income to assets | -1.2762% | 7,148 |
| Return on assets (ROA) | -1.2658% | 7,150 |
| Pretax return on assets | -1.9639% | 7,277 |
| Return on Equity (ROE) | -13.8992% | 7,279 |
| Retained earnings to average equity (ytd only) | -13.8992% | 7,178 |
| Net charge-offs to loans | 1.3151% | 1,407 |
| Credit loss provision to net charge-offs | 189.9033% | 2,408 |
| Earnings coverage of net charge-offs (x) | -0.0602% | 5,759 |
| Efficiency ratio | 102.3237% | 1,077 |
| Assets per employee ($millions) | 4.9377% | 2,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3311% | 1,067 |
| Loan loss allowance to noncurrent loans | 19.7363% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 9.6522% | 322 |
| Noncurrent loans to loans | 11.8113% | 237 |
| Net loans and leases to total assets | 72.4463% | 3,105 |
| Net loans and leases to deposits | 80.5011% | 4,471 |
| Net loans and leases to core deposits | 138.0279% | 1,107 |
| Total domestic deposits to total assets | 89.9942% | 834 |
| Equity capital to assets | 9.1349% | 5,116 |
| Core capital (leverage) ratio | 9.0397% | 4,567 |
| Tier 1 risk-based capital ratio | 12.2608% | 4,711 |
| Total risk-based capital ratio | 13.5238% | 4,615 |
| Memoranda: | ||
| Average total assets | $184,229,670 | 3,417 |
| Average earning assets | $167,960,000 | 3,429 |
| Average equity | $16,778,000 | 3,758 |
| Average total loans | $141,585,330 | 3,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8487% | 3,039 |
| Cost of funding earning assets | 3.3036% | 269 |
| Net interest margin | 2.5450% | 7,449 |
| Noninterest income to average assets | 0.1449% | 7,253 |
| Noninterest expense to average assets | 2.5773% | 5,541 |
| Loan and lease loss provision to assets | 3.5633% | 289 |
| Net operating income to assets | -2.3654% | 7,742 |
| Return on assets (ROA) | -2.3654% | 7,743 |
| Pretax return on assets | -3.6238% | 7,859 |
| Return on Equity (ROE) | -26.0128% | 7,858 |
| Retained earnings to average equity (ytd only) | -26.0128% | 7,789 |
| Net charge-offs to loans | 1.9914% | 723 |
| Credit loss provision to net charge-offs | 228.8889% | 1,998 |
| Earnings coverage of net charge-offs (x) | -0.0389% | 5,017 |
| Efficiency ratio | 102.4055% | 1,038 |
| Assets per employee ($millions) | 5.4366% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2486% | 1,018 |
| Loan loss allowance to noncurrent loans | 21.6225% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 8.6024% | 313 |
| Noncurrent loans to loans | 10.3991% | 265 |
| Net loans and leases to total assets | 76.4130% | 2,183 |
| Net loans and leases to deposits | 85.0980% | 3,799 |
| Net loans and leases to core deposits | 150.5639% | 688 |
| Total domestic deposits to total assets | 89.7940% | 890 |
| Equity capital to assets | 8.8832% | 5,506 |
| Core capital (leverage) ratio | 8.5679% | 5,399 |
| Tier 1 risk-based capital ratio | 11.7493% | 5,172 |
| Total risk-based capital ratio | 13.0124% | 5,078 |
| Memoranda: | ||
| Average total assets | $184,997,500 | 3,429 |
| Average earning assets | $172,415,500 | 3,378 |
| Average equity | $16,822,500 | 3,760 |
| Average total loans | $144,621,000 | 3,098 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6662% | 300 |
| Cost of funding earning assets | 3.3941% | 720 |
| Net interest margin | 4.2721% | 2,065 |
| Noninterest income to average assets | 0.1331% | 7,442 |
| Noninterest expense to average assets | 2.6030% | 5,638 |
| Loan and lease loss provision to assets | 0.6285% | 2,313 |
| Net operating income to assets | 0.6852% | 3,957 |
| Return on assets (ROA) | 0.6852% | 3,797 |
| Pretax return on assets | 1.0041% | 3,367 |
| Return on Equity (ROE) | 7.1166% | 3,464 |
| Retained earnings to average equity (ytd only) | 7.1166% | 1,115 |
| Net charge-offs to loans | 0.4819% | 2,426 |
| Credit loss provision to net charge-offs | 156.4841% | 3,329 |
| Earnings coverage of net charge-offs (x) | 4.0648% | 4,119 |
| Efficiency ratio | 61.4565% | 6,056 |
| Assets per employee ($millions) | 5.6107% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 2,223 |
| Loan loss allowance to noncurrent loans | 33.1951% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 4.2716% | 918 |
| Noncurrent loans to loans | 4.8325% | 934 |
| Net loans and leases to total assets | 76.9244% | 2,396 |
| Net loans and leases to deposits | 86.1544% | 4,100 |
| Net loans and leases to core deposits | 164.9033% | 498 |
| Total domestic deposits to total assets | 89.2866% | 926 |
| Equity capital to assets | 9.3032% | 4,934 |
| Core capital (leverage) ratio | 9.7633% | 3,694 |
| Tier 1 risk-based capital ratio | 12.1065% | 4,734 |
| Total risk-based capital ratio | 13.3611% | 4,616 |
| Memoranda: | ||
| Average total assets | $172,799,000 | 3,507 |
| Average earning assets | $165,936,800 | 3,389 |
| Average equity | $16,637,200 | 3,799 |
| Average total loans | $144,004,400 | 3,023 |