Home > ProAmerica Bank > Performance and Condition Ratios
ProAmerica Bank, Performance and Condition Ratios
| 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 | 4.2098% | 2,434 |
| Cost of funding earning assets | 0.3919% | 3,171 |
| Net interest margin | 3.8179% | 2,228 |
| Noninterest income to average assets | 0.2321% | 5,082 |
| Noninterest expense to average assets | 3.1821% | 1,879 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4382% | 4,871 |
| Return on assets (ROA) | 0.4382% | 4,950 |
| Pretax return on assets | 0.7267% | 4,426 |
| Return on Equity (ROE) | 2.9766% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.8439% | 4,092 |
| Net charge-offs to loans | -0.0606% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4095% | 1,433 |
| Assets per employee ($millions) | 6.6141% | 1,051 |
| Cash dividends to net income (ytd only)* | 4.4554% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6021% | 1,604 |
| Loan loss allowance to noncurrent loans | 432.4952% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 4,443 |
| Noncurrent loans to loans | 0.3704% | 4,107 |
| Net loans and leases to total assets | 74.1528% | 1,702 |
| Net loans and leases to deposits | 86.6068% | 2,002 |
| Net loans and leases to core deposits | 125.6145% | 342 |
| Total domestic deposits to total assets | 85.6201% | 2,850 |
| Equity capital to assets | 13.7422% | 1,072 |
| Core capital (leverage) ratio | 13.0706% | 1,131 |
| Tier 1 risk-based capital ratio | 16.0219% | 2,673 |
| Total risk-based capital ratio | 17.2774% | 2,620 |
| Memoranda: | ||
| Average total assets | $184,406,500 | 3,151 |
| Average earning assets | $177,586,500 | 3,077 |
| Average equity | $27,145,500 | 2,589 |
| Average total loans | $138,659,000 | 2,812 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,063 |
| Cost of funding earning assets | 0.3333% | 3,868 |
| Net interest margin | 3.7293% | 2,647 |
| Noninterest income to average assets | 0.3101% | 4,671 |
| Noninterest expense to average assets | 3.3835% | 1,521 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3029% | 5,355 |
| Return on assets (ROA) | 0.3029% | 5,434 |
| Pretax return on assets | 0.5069% | 5,096 |
| Return on Equity (ROE) | 1.9406% | 5,584 |
| Retained earnings to average equity (ytd only) | 1.8103% | 4,696 |
| Net charge-offs to loans | -0.0736% | 5,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9700% | 912 |
| Assets per employee ($millions) | 6.5578% | 1,075 |
| Cash dividends to net income (ytd only)* | 6.7151% | 4,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 1,586 |
| Loan loss allowance to noncurrent loans | 405.6777% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2974% | 4,409 |
| Noncurrent loans to loans | 0.3964% | 4,036 |
| Net loans and leases to total assets | 73.8161% | 1,760 |
| Net loans and leases to deposits | 88.2869% | 1,842 |
| Net loans and leases to core deposits | 130.6954% | 258 |
| Total domestic deposits to total assets | 83.6094% | 3,630 |
| Equity capital to assets | 15.7072% | 565 |
| Core capital (leverage) ratio | 14.7740% | 658 |
| Tier 1 risk-based capital ratio | 18.5371% | 1,823 |
| Total risk-based capital ratio | 19.7950% | 1,763 |
| Memoranda: | ||
| Average total assets | $181,881,800 | 3,138 |
| Average earning assets | $174,619,200 | 3,056 |
| Average equity | $28,393,200 | 2,430 |
| Average total loans | $130,405,200 | 2,882 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,054 |
| Cost of funding earning assets | 0.3205% | 4,097 |
| Net interest margin | 3.7514% | 2,557 |
| Noninterest income to average assets | 0.3593% | 4,365 |
| Noninterest expense to average assets | 3.3912% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3424% | 5,337 |
| Return on assets (ROA) | 0.3424% | 5,424 |
| Pretax return on assets | 0.5717% | 5,042 |
| Return on Equity (ROE) | 2.1969% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.0649% | 4,845 |
| Net charge-offs to loans | -0.0705% | 5,661 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5739% | 1,038 |
| Assets per employee ($millions) | 7.2791% | 765 |
| Cash dividends to net income (ytd only)* | 6.0082% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 1,651 |
| Loan loss allowance to noncurrent loans | 388.4547% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 4,699 |
| Noncurrent loans to loans | 0.4212% | 4,091 |
| Net loans and leases to total assets | 62.2879% | 3,567 |
| Net loans and leases to deposits | 72.5776% | 3,695 |
| Net loans and leases to core deposits | 105.8127% | 1,112 |
| Total domestic deposits to total assets | 85.8224% | 2,626 |
| Equity capital to assets | 13.6271% | 1,166 |
| Core capital (leverage) ratio | 14.9363% | 646 |
| Tier 1 risk-based capital ratio | 18.0502% | 2,009 |
| Total risk-based capital ratio | 19.3079% | 1,972 |
| Memoranda: | ||
| Average total assets | $181,448,000 | 3,172 |
| Average earning assets | $174,296,250 | 3,083 |
| Average equity | $28,281,250 | 2,455 |
| Average total loans | $128,568,000 | 2,926 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3587% | 1,977 |
| Cost of funding earning assets | 0.3092% | 4,290 |
| Net interest margin | 4.0495% | 1,497 |
| Noninterest income to average assets | 0.1550% | 5,777 |
| Noninterest expense to average assets | 3.7816% | 888 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1492% | 5,811 |
| Return on assets (ROA) | 0.1492% | 5,857 |
| Pretax return on assets | 0.2518% | 5,737 |
| Return on Equity (ROE) | 0.9104% | 5,915 |
| Retained earnings to average equity (ytd only) | 0.7753% | 5,249 |
| Net charge-offs to loans | -0.0457% | 5,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7572% | 534 |
| Assets per employee ($millions) | 6.1003% | 1,278 |
| Cash dividends to net income (ytd only)* | 14.8438% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 2,022 |
| Loan loss allowance to noncurrent loans | 335.6250% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 4,521 |
| Noncurrent loans to loans | 0.4672% | 4,080 |
| Net loans and leases to total assets | 71.2947% | 2,108 |
| Net loans and leases to deposits | 84.4328% | 2,261 |
| Net loans and leases to core deposits | 128.3231% | 303 |
| Total domestic deposits to total assets | 84.4396% | 3,375 |
| Equity capital to assets | 14.9343% | 717 |
| Core capital (leverage) ratio | 16.6444% | 394 |
| Tier 1 risk-based capital ratio | 17.9368% | 2,075 |
| Total risk-based capital ratio | 19.1954% | 2,031 |
| Memoranda: | ||
| Average total assets | $171,566,000 | 3,320 |
| Average earning assets | $164,314,670 | 3,250 |
| Average equity | $28,119,670 | 2,474 |
| Average total loans | $126,866,330 | 2,967 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,145 |
| Cost of funding earning assets | 0.3182% | 4,245 |
| Net interest margin | 3.9673% | 1,665 |
| Noninterest income to average assets | 0.1179% | 6,008 |
| Noninterest expense to average assets | 4.2458% | 528 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1941% | 6,142 |
| Return on assets (ROA) | -0.1941% | 6,167 |
| Pretax return on assets | -0.3292% | 6,197 |
| Return on Equity (ROE) | -1.1262% | 6,133 |
| Retained earnings to average equity (ytd only) | -1.2545% | 5,582 |
| Net charge-offs to loans | -0.0919% | 5,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4065% | 207 |
| Assets per employee ($millions) | 4.8599% | 2,545 |
| Cash dividends to net income (ytd only)* | -11.3924% | 6,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 1,730 |
| Loan loss allowance to noncurrent loans | 599.7207% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 5,042 |
| Noncurrent loans to loans | 0.2839% | 4,756 |
| Net loans and leases to total assets | 77.2934% | 1,020 |
| Net loans and leases to deposits | 94.5927% | 928 |
| Net loans and leases to core deposits | 150.8451% | 99 |
| Total domestic deposits to total assets | 81.7117% | 4,603 |
| Equity capital to assets | 17.4845% | 380 |
| Core capital (leverage) ratio | 16.7033% | 392 |
| Tier 1 risk-based capital ratio | 19.0391% | 1,853 |
| Total risk-based capital ratio | 20.3000% | 1,812 |
| Memoranda: | ||
| Average total assets | $162,795,000 | 3,471 |
| Average earning assets | $155,874,000 | 3,380 |
| Average equity | $28,058,500 | 2,499 |
| Average total loans | $121,813,500 | 3,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4618% | 2,027 |
| Cost of funding earning assets | 0.3062% | 4,730 |
| Net interest margin | 4.1556% | 1,416 |
| Noninterest income to average assets | 0.6359% | 2,638 |
| Noninterest expense to average assets | 3.7161% | 1,118 |
| Loan and lease loss provision to assets | 0.2134% | 1,169 |
| Net operating income to assets | 0.3929% | 5,245 |
| Return on assets (ROA) | 0.3929% | 5,312 |
| Pretax return on assets | 0.6673% | 4,735 |
| Return on Equity (ROE) | 2.2590% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.1218% | 4,718 |
| Net charge-offs to loans | 0.6093% | 649 |
| Credit loss provision to net charge-offs | 47.7528% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.9705% | 4,288 |
| Efficiency ratio | 80.8412% | 1,797 |
| Assets per employee ($millions) | 5.0065% | 2,314 |
| Cash dividends to net income (ytd only)* | 6.0703% | 4,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 1,528 |
| Loan loss allowance to noncurrent loans | 110.8844% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 2,451 |
| Noncurrent loans to loans | 1.6261% | 1,800 |
| Net loans and leases to total assets | 69.8494% | 2,260 |
| Net loans and leases to deposits | 84.8082% | 2,119 |
| Net loans and leases to core deposits | 135.4790% | 198 |
| Total domestic deposits to total assets | 82.3617% | 4,287 |
| Equity capital to assets | 16.9937% | 416 |
| Core capital (leverage) ratio | 15.9971% | 467 |
| Tier 1 risk-based capital ratio | 19.2478% | 1,782 |
| Total risk-based capital ratio | 20.5022% | 1,749 |
| Memoranda: | ||
| Average total assets | $159,308,400 | 3,501 |
| Average earning assets | $151,843,400 | 3,412 |
| Average equity | $27,711,800 | 2,429 |
| Average total loans | $116,852,200 | 3,102 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5034% | 1,859 |
| Cost of funding earning assets | 0.2983% | 4,902 |
| Net interest margin | 4.2051% | 1,276 |
| Noninterest income to average assets | 0.7594% | 2,054 |
| Noninterest expense to average assets | 4.1224% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3751% | 5,344 |
| Return on assets (ROA) | 0.3751% | 5,421 |
| Pretax return on assets | 0.6378% | 4,913 |
| Return on Equity (ROE) | 2.1433% | 5,805 |
| Retained earnings to average equity (ytd only) | 2.0081% | 5,048 |
| Net charge-offs to loans | 0.5199% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1.6593% | 4,109 |
| Efficiency ratio | 86.6016% | 1,128 |
| Assets per employee ($millions) | 5.3786% | 1,839 |
| Cash dividends to net income (ytd only)* | 6.3058% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6820% | 2,029 |
| Loan loss allowance to noncurrent loans | 1,170.1149% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 5,733 |
| Noncurrent loans to loans | 0.1438% | 5,484 |
| Net loans and leases to total assets | 73.7539% | 1,562 |
| Net loans and leases to deposits | 90.2402% | 1,402 |
| Net loans and leases to core deposits | 143.3267% | 135 |
| Total domestic deposits to total assets | 81.7306% | 4,574 |
| Equity capital to assets | 17.2871% | 398 |
| Core capital (leverage) ratio | 16.5250% | 419 |
| Tier 1 risk-based capital ratio | 18.8119% | 1,955 |
| Total risk-based capital ratio | 20.0678% | 1,921 |
| Memoranda: | ||
| Average total assets | $157,832,000 | 3,545 |
| Average earning assets | $150,163,750 | 3,463 |
| Average equity | $27,620,750 | 2,446 |
| Average total loans | $116,685,250 | 3,126 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 1,705 |
| Cost of funding earning assets | 0.2996% | 4,969 |
| Net interest margin | 4.2369% | 1,162 |
| Noninterest income to average assets | 0.4647% | 3,752 |
| Noninterest expense to average assets | 3.9271% | 830 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3307% | 5,464 |
| Return on assets (ROA) | 0.3307% | 5,536 |
| Pretax return on assets | 0.5643% | 5,079 |
| Return on Equity (ROE) | 1.8816% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.7436% | 5,027 |
| Net charge-offs to loans | -0.0174% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4360% | 1,142 |
| Assets per employee ($millions) | 5.0966% | 2,095 |
| Cash dividends to net income (ytd only)* | 7.3359% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,039 |
| Loan loss allowance to noncurrent loans | 1,359.2391% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 5,796 |
| Noncurrent loans to loans | 0.1613% | 5,528 |
| Net loans and leases to total assets | 72.9890% | 1,576 |
| Net loans and leases to deposits | 89.9846% | 1,373 |
| Net loans and leases to core deposits | 149.0617% | 103 |
| Total domestic deposits to total assets | 81.1128% | 4,942 |
| Equity capital to assets | 18.1194% | 322 |
| Core capital (leverage) ratio | 16.7245% | 388 |
| Tier 1 risk-based capital ratio | 20.1531% | 1,648 |
| Total risk-based capital ratio | 21.4128% | 1,616 |
| Memoranda: | ||
| Average total assets | $156,657,000 | 3,584 |
| Average earning assets | $148,882,330 | 3,504 |
| Average equity | $27,529,670 | 2,438 |
| Average total loans | $115,232,670 | 3,149 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,352 |
| Cost of funding earning assets | 0.2948% | 5,121 |
| Net interest margin | 4.0500% | 1,601 |
| Noninterest income to average assets | 0.4113% | 4,095 |
| Noninterest expense to average assets | 3.9259% | 827 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1918% | 5,822 |
| Return on assets (ROA) | 0.1918% | 5,867 |
| Pretax return on assets | 0.3330% | 5,643 |
| Return on Equity (ROE) | 1.1078% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.9766% | 5,206 |
| Net charge-offs to loans | -0.0242% | 5,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1801% | 871 |
| Assets per employee ($millions) | 5.2951% | 1,912 |
| Cash dividends to net income (ytd only)* | 11.8421% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 1,350 |
| Loan loss allowance to noncurrent loans | 1,274.4898% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 5,893 |
| Noncurrent loans to loans | 0.1638% | 5,594 |
| Net loans and leases to total assets | 71.3661% | 1,671 |
| Net loans and leases to deposits | 86.5057% | 1,532 |
| Net loans and leases to core deposits | 135.5590% | 151 |
| Total domestic deposits to total assets | 82.4987% | 4,784 |
| Equity capital to assets | 16.7422% | 424 |
| Core capital (leverage) ratio | 16.7404% | 390 |
| Tier 1 risk-based capital ratio | 18.7015% | 2,058 |
| Total risk-based capital ratio | 19.9596% | 2,014 |
| Memoranda: | ||
| Average total assets | $158,537,000 | 3,583 |
| Average earning assets | $150,616,500 | 3,495 |
| Average equity | $27,442,500 | 2,442 |
| Average total loans | $115,799,500 | 3,158 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4154% | 2,531 |
| Cost of funding earning assets | 0.3271% | 5,353 |
| Net interest margin | 4.0883% | 1,680 |
| Noninterest income to average assets | 0.7805% | 2,164 |
| Noninterest expense to average assets | 3.9338% | 941 |
| Loan and lease loss provision to assets | -0.2600% | 6,649 |
| Net operating income to assets | 2.9375% | 112 |
| Return on assets (ROA) | 2.9375% | 112 |
| Pretax return on assets | 1.0216% | 3,260 |
| Return on Equity (ROE) | 18.8816% | 350 |
| Retained earnings to average equity (ytd only) | 18.6853% | 100 |
| Net charge-offs to loans | -0.0202% | 6,144 |
| Credit loss provision to net charge-offs | 1,904.7619% | 127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7785% | 1,652 |
| Assets per employee ($millions) | 4.7789% | 2,474 |
| Cash dividends to net income (ytd only)* | 1.0398% | 4,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 1,142 |
| Loan loss allowance to noncurrent loans | 1,169.4836% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 5,901 |
| Noncurrent loans to loans | 0.1903% | 5,624 |
| Net loans and leases to total assets | 71.5797% | 1,758 |
| Net loans and leases to deposits | 87.9526% | 1,472 |
| Net loans and leases to core deposits | 144.8799% | 119 |
| Total domestic deposits to total assets | 81.3845% | 5,072 |
| Equity capital to assets | 17.9191% | 328 |
| Core capital (leverage) ratio | 16.6800% | 400 |
| Tier 1 risk-based capital ratio | 19.7575% | 1,710 |
| Total risk-based capital ratio | 21.0172% | 1,681 |
| Memoranda: | ||
| Average total assets | $153,871,400 | 3,643 |
| Average earning assets | $147,347,800 | 3,550 |
| Average equity | $23,938,600 | 2,737 |
| Average total loans | $104,160,800 | 3,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,821 |
| Cost of funding earning assets | 0.3253% | 5,504 |
| Net interest margin | 4.0182% | 1,886 |
| Noninterest income to average assets | 0.5260% | 3,623 |
| Noninterest expense to average assets | 4.0378% | 816 |
| Loan and lease loss provision to assets | -0.3461% | 6,793 |
| Net operating income to assets | 0.6921% | 3,900 |
| Return on assets (ROA) | 0.6921% | 4,035 |
| Pretax return on assets | 0.6921% | 4,712 |
| Return on Equity (ROE) | 4.6230% | 4,918 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,534 |
| Net charge-offs to loans | -0.0222% | 6,072 |
| Credit loss provision to net charge-offs | 2,352.9412% | 139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1058% | 848 |
| Assets per employee ($millions) | 4.7601% | 2,489 |
| Cash dividends to net income (ytd only)* | 4.6248% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3019% | 1,179 |
| Loan loss allowance to noncurrent loans | 640.9794% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 5,651 |
| Noncurrent loans to loans | 0.3591% | 5,314 |
| Net loans and leases to total assets | 71.5320% | 1,675 |
| Net loans and leases to deposits | 86.0135% | 1,615 |
| Net loans and leases to core deposits | 136.4258% | 133 |
| Total domestic deposits to total assets | 83.1637% | 4,517 |
| Equity capital to assets | 16.0387% | 545 |
| Core capital (leverage) ratio | 15.6191% | 553 |
| Tier 1 risk-based capital ratio | 19.5404% | 1,850 |
| Total risk-based capital ratio | 20.8002% | 1,816 |
| Memoranda: | ||
| Average total assets | $154,107,750 | 3,671 |
| Average earning assets | $147,956,750 | 3,577 |
| Average equity | $23,072,500 | 2,845 |
| Average total loans | $102,212,250 | 3,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 2,928 |
| Cost of funding earning assets | 0.3233% | 5,634 |
| Net interest margin | 3.9838% | 1,920 |
| Noninterest income to average assets | 0.6462% | 2,934 |
| Noninterest expense to average assets | 4.2434% | 660 |
| Loan and lease loss provision to assets | -0.3839% | 6,856 |
| Net operating income to assets | 0.6181% | 4,206 |
| Return on assets (ROA) | 0.6181% | 4,370 |
| Pretax return on assets | 0.6181% | 4,958 |
| Return on Equity (ROE) | 4.2231% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.9783% | 3,760 |
| Net charge-offs to loans | -0.0239% | 6,031 |
| Credit loss provision to net charge-offs | 2,500.0000% | 135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7699% | 720 |
| Assets per employee ($millions) | 4.7844% | 2,402 |
| Cash dividends to net income (ytd only)* | 5.7971% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5303% | 955 |
| Loan loss allowance to noncurrent loans | 634.3980% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 5,713 |
| Noncurrent loans to loans | 0.3989% | 5,272 |
| Net loans and leases to total assets | 62.9963% | 3,101 |
| Net loans and leases to deposits | 74.5400% | 3,071 |
| Net loans and leases to core deposits | 122.4301% | 281 |
| Total domestic deposits to total assets | 84.5133% | 4,122 |
| Equity capital to assets | 14.7209% | 779 |
| Core capital (leverage) ratio | 15.2510% | 572 |
| Tier 1 risk-based capital ratio | 19.7430% | 1,779 |
| Total risk-based capital ratio | 21.0051% | 1,757 |
| Memoranda: | ||
| Average total assets | $156,289,670 | 3,666 |
| Average earning assets | $150,310,000 | 3,545 |
| Average equity | $22,874,330 | 2,879 |
| Average total loans | $100,269,330 | 3,486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,507 |
| Cost of funding earning assets | 0.3258% | 5,756 |
| Net interest margin | 3.5652% | 3,406 |
| Noninterest income to average assets | 0.2675% | 5,542 |
| Noninterest expense to average assets | 4.1957% | 721 |
| Loan and lease loss provision to assets | -0.7717% | 6,986 |
| Net operating income to assets | 0.2495% | 5,728 |
| Return on assets (ROA) | 0.2495% | 5,850 |
| Pretax return on assets | 0.2495% | 5,958 |
| Return on Equity (ROE) | 1.7100% | 6,023 |
| Retained earnings to average equity (ytd only) | 1.5513% | 5,209 |
| Net charge-offs to loans | -0.0201% | 5,712 |
| Credit loss provision to net charge-offs | 6,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2157% | 273 |
| Assets per employee ($millions) | 4.6144% | 2,783 |
| Cash dividends to net income (ytd only)* | 9.2784% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5172% | 1,091 |
| Loan loss allowance to noncurrent loans | 110.6100% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4838% | 3,037 |
| Noncurrent loans to loans | 2.2757% | 2,301 |
| Net loans and leases to total assets | 63.5624% | 2,794 |
| Net loans and leases to deposits | 74.9560% | 2,781 |
| Net loans and leases to core deposits | 135.3902% | 143 |
| Total domestic deposits to total assets | 84.7995% | 4,137 |
| Equity capital to assets | 14.5012% | 875 |
| Core capital (leverage) ratio | 14.9825% | 595 |
| Tier 1 risk-based capital ratio | 19.2545% | 1,964 |
| Total risk-based capital ratio | 20.5153% | 1,935 |
| Memoranda: | ||
| Average total assets | $155,492,500 | 3,717 |
| Average earning assets | $148,547,500 | 3,620 |
| Average equity | $22,690,500 | 2,960 |
| Average total loans | $99,382,500 | 3,521 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7180% | 2,525 |
| Cost of funding earning assets | 0.3233% | 6,342 |
| Net interest margin | 4.3947% | 1,166 |
| Noninterest income to average assets | 0.5448% | 3,614 |
| Noninterest expense to average assets | 3.9414% | 1,050 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7453% | 3,535 |
| Return on assets (ROA) | 0.7453% | 3,774 |
| Pretax return on assets | 0.7460% | 4,492 |
| Return on Equity (ROE) | 4.6972% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.5251% | 3,041 |
| Net charge-offs to loans | 0.1981% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 5.0388% | 3,167 |
| Efficiency ratio | 84.0846% | 1,627 |
| Assets per employee ($millions) | 5.3136% | 1,881 |
| Cash dividends to net income (ytd only)* | 3.6644% | 4,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9741% | 682 |
| Loan loss allowance to noncurrent loans | 51.1317% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 6.1851% | 547 |
| Noncurrent loans to loans | 5.8165% | 620 |
| Net loans and leases to total assets | 60.7405% | 3,467 |
| Net loans and leases to deposits | 71.8084% | 3,441 |
| Net loans and leases to core deposits | 132.3164% | 170 |
| Total domestic deposits to total assets | 84.5868% | 4,048 |
| Equity capital to assets | 14.6857% | 828 |
| Core capital (leverage) ratio | 14.8775% | 594 |
| Tier 1 risk-based capital ratio | 19.7050% | 1,750 |
| Total risk-based capital ratio | 20.9708% | 1,716 |
| Memoranda: | ||
| Average total assets | $139,137,400 | 3,964 |
| Average earning assets | $131,156,600 | 3,867 |
| Average equity | $22,077,000 | 2,963 |
| Average total loans | $103,965,800 | 3,430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 2,172 |
| Cost of funding earning assets | 0.3224% | 6,500 |
| Net interest margin | 4.5329% | 931 |
| Noninterest income to average assets | 0.4490% | 4,299 |
| Noninterest expense to average assets | 4.0157% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7110% | 3,871 |
| Return on assets (ROA) | 0.7110% | 4,105 |
| Pretax return on assets | 0.7110% | 4,824 |
| Return on Equity (ROE) | 4.3879% | 5,103 |
| Retained earnings to average equity (ytd only) | 4.2177% | 3,924 |
| Net charge-offs to loans | 0.2633% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 3.4545% | 3,637 |
| Efficiency ratio | 84.9583% | 1,477 |
| Assets per employee ($millions) | 5.0361% | 2,141 |
| Cash dividends to net income (ytd only)* | 3.8779% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7124% | 968 |
| Loan loss allowance to noncurrent loans | 44.3722% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 7.1005% | 504 |
| Noncurrent loans to loans | 6.1128% | 660 |
| Net loans and leases to total assets | 70.3874% | 1,831 |
| Net loans and leases to deposits | 83.8442% | 1,886 |
| Net loans and leases to core deposits | 113.6379% | 443 |
| Total domestic deposits to total assets | 83.9503% | 4,242 |
| Equity capital to assets | 15.2781% | 758 |
| Core capital (leverage) ratio | 15.3859% | 554 |
| Tier 1 risk-based capital ratio | 18.8428% | 2,057 |
| Total risk-based capital ratio | 20.1073% | 2,022 |
| Memoranda: | ||
| Average total assets | $135,398,000 | 4,069 |
| Average earning assets | $127,773,500 | 3,984 |
| Average equity | $21,938,750 | 3,005 |
| Average total loans | $105,840,500 | 3,414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9434% | 1,945 |
| Cost of funding earning assets | 0.3205% | 6,643 |
| Net interest margin | 4.6229% | 791 |
| Noninterest income to average assets | 0.5021% | 3,912 |
| Noninterest expense to average assets | 4.2154% | 715 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6629% | 4,047 |
| Return on assets (ROA) | 0.6629% | 4,309 |
| Pretax return on assets | 0.6629% | 4,934 |
| Return on Equity (ROE) | 4.0066% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.8324% | 4,063 |
| Net charge-offs to loans | 0.4079% | 2,394 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.0231% | 3,978 |
| Efficiency ratio | 86.4117% | 1,391 |
| Assets per employee ($millions) | 4.9366% | 2,257 |
| Cash dividends to net income (ytd only)* | 4.3478% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7093% | 1,024 |
| Loan loss allowance to noncurrent loans | 41.5673% | 5,579 |
| Noncurrent assets plus other real estate owned to assets | 7.8234% | 445 |
| Noncurrent loans to loans | 6.5178% | 647 |
| Net loans and leases to total assets | 74.2747% | 1,209 |
| Net loans and leases to deposits | 89.2369% | 1,225 |
| Net loans and leases to core deposits | 123.3459% | 264 |
| Total domestic deposits to total assets | 83.2333% | 4,662 |
| Equity capital to assets | 15.9355% | 594 |
| Core capital (leverage) ratio | 16.8996% | 374 |
| Tier 1 risk-based capital ratio | 18.9401% | 1,984 |
| Total risk-based capital ratio | 20.2060% | 1,961 |
| Memoranda: | ||
| Average total assets | $131,848,670 | 4,163 |
| Average earning assets | $124,812,670 | 4,058 |
| Average equity | $21,814,000 | 3,005 |
| Average total loans | $105,899,330 | 3,436 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 1,527 |
| Cost of funding earning assets | 0.3276% | 6,737 |
| Net interest margin | 4.7914% | 573 |
| Noninterest income to average assets | 0.4601% | 4,225 |
| Noninterest expense to average assets | 4.3121% | 649 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7399% | 3,677 |
| Return on assets (ROA) | 0.7399% | 3,913 |
| Pretax return on assets | 0.7399% | 4,651 |
| Return on Equity (ROE) | 4.3856% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.2197% | 4,060 |
| Net charge-offs to loans | -0.0075% | 5,872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3538% | 1,545 |
| Assets per employee ($millions) | 5.1282% | 2,085 |
| Cash dividends to net income (ytd only)* | 3.7815% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9208% | 894 |
| Loan loss allowance to noncurrent loans | 27.1013% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 8.8531% | 403 |
| Noncurrent loans to loans | 10.7775% | 260 |
| Net loans and leases to total assets | 79.7448% | 430 |
| Net loans and leases to deposits | 97.1742% | 474 |
| Net loans and leases to core deposits | 140.3627% | 145 |
| Total domestic deposits to total assets | 82.0637% | 5,274 |
| Equity capital to assets | 17.0260% | 423 |
| Core capital (leverage) ratio | 16.7452% | 384 |
| Tier 1 risk-based capital ratio | 19.2757% | 1,907 |
| Total risk-based capital ratio | 20.5438% | 1,868 |
| Memoranda: | ||
| Average total assets | $128,660,000 | 4,261 |
| Average earning assets | $123,305,500 | 4,123 |
| Average equity | $21,707,500 | 3,008 |
| Average total loans | $106,086,000 | 3,455 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 3,120 |
| Cost of funding earning assets | 0.3371% | 7,038 |
| Net interest margin | 4.6102% | 903 |
| Noninterest income to average assets | 0.4902% | 3,922 |
| Noninterest expense to average assets | 4.4401% | 618 |
| Loan and lease loss provision to assets | 1.2531% | 673 |
| Net operating income to assets | -0.7418% | 6,626 |
| Return on assets (ROA) | -0.7418% | 6,662 |
| Pretax return on assets | -0.7410% | 6,617 |
| Return on Equity (ROE) | -4.5540% | 6,507 |
| Retained earnings to average equity (ytd only) | -4.6038% | 6,418 |
| Net charge-offs to loans | 0.5643% | 2,764 |
| Credit loss provision to net charge-offs | 291.8715% | 814 |
| Earnings coverage of net charge-offs (x) | 1.1928% | 4,893 |
| Efficiency ratio | 89.6591% | 1,219 |
| Assets per employee ($millions) | 4.9660% | 2,246 |
| Cash dividends to net income (ytd only)* | -1.0941% | 7,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8767% | 907 |
| Loan loss allowance to noncurrent loans | 27.0646% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 8.7967% | 419 |
| Noncurrent loans to loans | 10.6289% | 279 |
| Net loans and leases to total assets | 80.3820% | 458 |
| Net loans and leases to deposits | 98.1381% | 553 |
| Net loans and leases to core deposits | 147.1578% | 141 |
| Total domestic deposits to total assets | 81.9070% | 5,162 |
| Equity capital to assets | 16.7191% | 487 |
| Core capital (leverage) ratio | 16.5226% | 412 |
| Tier 1 risk-based capital ratio | 18.9686% | 1,905 |
| Total risk-based capital ratio | 20.2365% | 1,855 |
| Memoranda: | ||
| Average total assets | $123,217,200 | 4,312 |
| Average earning assets | $119,258,400 | 4,149 |
| Average equity | $20,070,400 | 3,131 |
| Average total loans | $93,743,200 | 3,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 2,631 |
| Cost of funding earning assets | 0.3340% | 7,151 |
| Net interest margin | 4.7604% | 675 |
| Noninterest income to average assets | 0.6166% | 3,073 |
| Noninterest expense to average assets | 4.4464% | 604 |
| Loan and lease loss provision to assets | 0.2913% | 3,184 |
| Net operating income to assets | 0.4983% | 4,558 |
| Return on assets (ROA) | 0.4983% | 4,744 |
| Pretax return on assets | 0.4994% | 5,161 |
| Return on Equity (ROE) | 3.0808% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.0808% | 4,494 |
| Net charge-offs to loans | 0.2918% | 3,629 |
| Credit loss provision to net charge-offs | 134.3434% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.6465% | 3,353 |
| Efficiency ratio | 84.9017% | 1,642 |
| Assets per employee ($millions) | 5.2031% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1266% | 2,009 |
| Loan loss allowance to noncurrent loans | 163.2387% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,750 |
| Noncurrent loans to loans | 1.3028% | 4,361 |
| Net loans and leases to total assets | 75.2556% | 1,103 |
| Net loans and leases to deposits | 91.8001% | 1,030 |
| Net loans and leases to core deposits | 126.6624% | 281 |
| Total domestic deposits to total assets | 81.9777% | 5,101 |
| Equity capital to assets | 17.6041% | 432 |
| Core capital (leverage) ratio | 18.3607% | 296 |
| Tier 1 risk-based capital ratio | 21.3385% | 1,395 |
| Total risk-based capital ratio | 22.5973% | 1,368 |
| Memoranda: | ||
| Average total assets | $121,742,500 | 4,369 |
| Average earning assets | $118,167,000 | 4,200 |
| Average equity | $19,691,250 | 3,193 |
| Average total loans | $90,464,000 | 3,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0198% | 3,063 |
| Cost of funding earning assets | 0.3239% | 7,272 |
| Net interest margin | 4.6959% | 738 |
| Noninterest income to average assets | 0.8473% | 1,812 |
| Noninterest expense to average assets | 4.6703% | 501 |
| Loan and lease loss provision to assets | 0.4472% | 2,190 |
| Net operating income to assets | 0.2858% | 5,424 |
| Return on assets (ROA) | 0.2858% | 5,562 |
| Pretax return on assets | 0.2875% | 5,698 |
| Return on Equity (ROE) | 1.8258% | 5,857 |
| Retained earnings to average equity (ytd only) | 1.8258% | 5,076 |
| Net charge-offs to loans | 0.2360% | 3,707 |
| Credit loss provision to net charge-offs | 258.2524% | 1,176 |
| Earnings coverage of net charge-offs (x) | 4.2427% | 2,919 |
| Efficiency ratio | 86.4075% | 1,557 |
| Assets per employee ($millions) | 4.5311% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3392% | 1,680 |
| Loan loss allowance to noncurrent loans | 187.1104% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 4,926 |
| Noncurrent loans to loans | 1.2502% | 4,569 |
| Net loans and leases to total assets | 75.7921% | 1,105 |
| Net loans and leases to deposits | 90.0032% | 1,272 |
| Net loans and leases to core deposits | 125.9683% | 313 |
| Total domestic deposits to total assets | 84.2104% | 4,256 |
| Equity capital to assets | 15.3695% | 725 |
| Core capital (leverage) ratio | 16.0090% | 505 |
| Tier 1 risk-based capital ratio | 18.5339% | 2,000 |
| Total risk-based capital ratio | 19.7956% | 1,953 |
| Memoranda: | ||
| Average total assets | $118,964,000 | 4,489 |
| Average earning assets | $115,463,330 | 4,293 |
| Average equity | $18,622,000 | 3,314 |
| Average total loans | $87,279,330 | 4,007 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8680% | 3,731 |
| Cost of funding earning assets | 0.3058% | 7,382 |
| Net interest margin | 4.5622% | 934 |
| Noninterest income to average assets | 0.8629% | 1,805 |
| Noninterest expense to average assets | 4.5977% | 539 |
| Loan and lease loss provision to assets | 0.6105% | 1,405 |
| Net operating income to assets | 0.0819% | 6,139 |
| Return on assets (ROA) | 0.0819% | 6,194 |
| Pretax return on assets | 0.0819% | 6,214 |
| Return on Equity (ROE) | 0.5180% | 6,258 |
| Retained earnings to average equity (ytd only) | 0.5180% | 5,616 |
| Net charge-offs to loans | 0.5177% | 2,189 |
| Credit loss provision to net charge-offs | 165.7407% | 1,751 |
| Earnings coverage of net charge-offs (x) | 1.8796% | 3,366 |
| Efficiency ratio | 86.9117% | 1,616 |
| Assets per employee ($millions) | 4.3629% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4835% | 1,483 |
| Loan loss allowance to noncurrent loans | 181.6553% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.9949% | 4,916 |
| Noncurrent loans to loans | 1.3672% | 4,423 |
| Net loans and leases to total assets | 70.9662% | 1,936 |
| Net loans and leases to deposits | 84.6679% | 1,933 |
| Net loans and leases to core deposits | 117.8670% | 478 |
| Total domestic deposits to total assets | 83.8171% | 4,560 |
| Equity capital to assets | 15.7704% | 612 |
| Core capital (leverage) ratio | 16.1317% | 475 |
| Tier 1 risk-based capital ratio | 19.9622% | 1,597 |
| Total risk-based capital ratio | 21.2255% | 1,558 |
| Memoranda: | ||
| Average total assets | $117,276,000 | 4,552 |
| Average earning assets | $113,805,000 | 4,360 |
| Average equity | $18,531,500 | 3,319 |
| Average total loans | $83,446,500 | 4,148 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 5,335 |
| Cost of funding earning assets | 0.4676% | 7,345 |
| Net interest margin | 4.3551% | 1,634 |
| Noninterest income to average assets | 0.3143% | 5,548 |
| Noninterest expense to average assets | 4.9007% | 453 |
| Loan and lease loss provision to assets | 0.0577% | 6,560 |
| Net operating income to assets | -0.4705% | 6,369 |
| Return on assets (ROA) | -0.4705% | 6,400 |
| Pretax return on assets | -0.4696% | 6,299 |
| Return on Equity (ROE) | -2.7358% | 6,254 |
| Retained earnings to average equity (ytd only) | -2.7358% | 6,074 |
| Net charge-offs to loans | 0.0454% | 6,353 |
| Credit loss provision to net charge-offs | 182.3529% | 1,812 |
| Earnings coverage of net charge-offs (x) | -13.0294% | 6,804 |
| Efficiency ratio | 109.1775% | 551 |
| Assets per employee ($millions) | 4.3243% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5355% | 1,371 |
| Loan loss allowance to noncurrent loans | 170.7884% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.0321% | 4,932 |
| Noncurrent loans to loans | 1.4846% | 4,253 |
| Net loans and leases to total assets | 67.7573% | 3,037 |
| Net loans and leases to deposits | 80.9252% | 3,007 |
| Net loans and leases to core deposits | 113.9027% | 732 |
| Total domestic deposits to total assets | 83.7283% | 4,490 |
| Equity capital to assets | 15.8332% | 613 |
| Core capital (leverage) ratio | 15.7976% | 533 |
| Tier 1 risk-based capital ratio | 20.9940% | 1,317 |
| Total risk-based capital ratio | 22.2573% | 1,296 |
| Memoranda: | ||
| Average total assets | $107,535,200 | 4,785 |
| Average earning assets | $103,074,800 | 4,637 |
| Average equity | $18,495,800 | 3,356 |
| Average total loans | $74,915,000 | 4,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 5,743 |
| Cost of funding earning assets | 0.5029% | 7,441 |
| Net interest margin | 4.2752% | 1,937 |
| Noninterest income to average assets | 0.3345% | 5,485 |
| Noninterest expense to average assets | 5.0010% | 381 |
| Loan and lease loss provision to assets | 0.0786% | 6,261 |
| Net operating income to assets | -0.6639% | 6,710 |
| Return on assets (ROA) | -0.6639% | 6,755 |
| Pretax return on assets | -0.6627% | 6,655 |
| Return on Equity (ROE) | -3.7768% | 6,555 |
| Retained earnings to average equity (ytd only) | -3.7768% | 6,435 |
| Net charge-offs to loans | 0.0745% | 5,775 |
| Credit loss provision to net charge-offs | 151.2195% | 2,571 |
| Earnings coverage of net charge-offs (x) | -11.2429% | 6,629 |
| Efficiency ratio | 113.2243% | 474 |
| Assets per employee ($millions) | 4.5454% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7719% | 1,023 |
| Loan loss allowance to noncurrent loans | 160.7367% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 1.4370% | 4,299 |
| Noncurrent loans to loans | 1.7245% | 4,059 |
| Net loans and leases to total assets | 63.3083% | 4,256 |
| Net loans and leases to deposits | 76.2192% | 4,146 |
| Net loans and leases to core deposits | 113.0828% | 882 |
| Total domestic deposits to total assets | 83.0608% | 4,571 |
| Equity capital to assets | 16.1921% | 642 |
| Core capital (leverage) ratio | 16.5238% | 489 |
| Tier 1 risk-based capital ratio | 22.2771% | 1,170 |
| Total risk-based capital ratio | 23.5427% | 1,134 |
| Memoranda: | ||
| Average total assets | $105,230,250 | 4,904 |
| Average earning assets | $100,484,500 | 4,769 |
| Average equity | $18,498,250 | 3,394 |
| Average total loans | $73,351,750 | 4,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 5,222 |
| Cost of funding earning assets | 0.5574% | 7,474 |
| Net interest margin | 4.3835% | 1,496 |
| Noninterest income to average assets | 0.2656% | 6,014 |
| Noninterest expense to average assets | 5.1665% | 334 |
| Loan and lease loss provision to assets | 0.1211% | 5,688 |
| Net operating income to assets | -0.8630% | 6,888 |
| Return on assets (ROA) | -0.8630% | 6,902 |
| Pretax return on assets | -0.8611% | 6,820 |
| Return on Equity (ROE) | -4.7704% | 6,678 |
| Retained earnings to average equity (ytd only) | -4.7704% | 6,529 |
| Net charge-offs to loans | 0.1422% | 4,801 |
| Credit loss provision to net charge-offs | 119.2308% | 3,412 |
| Earnings coverage of net charge-offs (x) | -7.2885% | 6,306 |
| Efficiency ratio | 116.7181% | 454 |
| Assets per employee ($millions) | 4.3696% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9014% | 915 |
| Loan loss allowance to noncurrent loans | 156.2021% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 1.5526% | 4,132 |
| Noncurrent loans to loans | 1.8575% | 3,923 |
| Net loans and leases to total assets | 62.4969% | 4,580 |
| Net loans and leases to deposits | 76.7858% | 4,189 |
| Net loans and leases to core deposits | 125.7756% | 520 |
| Total domestic deposits to total assets | 81.3913% | 5,253 |
| Equity capital to assets | 16.8584% | 549 |
| Core capital (leverage) ratio | 18.0412% | 356 |
| Tier 1 risk-based capital ratio | 23.6963% | 974 |
| Total risk-based capital ratio | 24.9627% | 954 |
| Memoranda: | ||
| Average total assets | $102,428,330 | 5,007 |
| Average earning assets | $97,229,330 | 4,900 |
| Average equity | $18,531,000 | 3,371 |
| Average total loans | $73,138,330 | 4,671 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2014% | 4,007 |
| Cost of funding earning assets | 0.6177% | 7,511 |
| Net interest margin | 4.5837% | 984 |
| Noninterest income to average assets | 0.1333% | 7,019 |
| Noninterest expense to average assets | 5.5098% | 273 |
| Loan and lease loss provision to assets | 0.2504% | 4,041 |
| Net operating income to assets | -1.2805% | 7,247 |
| Return on assets (ROA) | -1.2805% | 7,264 |
| Pretax return on assets | -1.2805% | 7,177 |
| Return on Equity (ROE) | -6.8214% | 6,978 |
| Retained earnings to average equity (ytd only) | -6.8214% | 6,718 |
| Net charge-offs to loans | 0.3917% | 2,870 |
| Credit loss provision to net charge-offs | 84.9315% | 3,773 |
| Earnings coverage of net charge-offs (x) | -3.4932% | 5,510 |
| Efficiency ratio | 122.9937% | 411 |
| Assets per employee ($millions) | 4.6678% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7362% | 1,050 |
| Loan loss allowance to noncurrent loans | 153.4195% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.6924% | 3,943 |
| Noncurrent loans to loans | 1.7835% | 4,075 |
| Net loans and leases to total assets | 69.8886% | 2,970 |
| Net loans and leases to deposits | 87.9351% | 2,238 |
| Net loans and leases to core deposits | 152.9299% | 227 |
| Total domestic deposits to total assets | 79.4775% | 5,960 |
| Equity capital to assets | 17.9790% | 427 |
| Core capital (leverage) ratio | 18.5713% | 340 |
| Tier 1 risk-based capital ratio | 23.1633% | 1,047 |
| Total risk-based capital ratio | 24.4292% | 1,031 |
| Memoranda: | ||
| Average total assets | $99,023,000 | 5,178 |
| Average earning assets | $93,897,000 | 5,051 |
| Average equity | $18,588,500 | 3,379 |
| Average total loans | $74,552,000 | 4,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5074% | 4,108 |
| Cost of funding earning assets | 0.7462% | 7,627 |
| Net interest margin | 4.7612% | 754 |
| Noninterest income to average assets | 1.4949% | 642 |
| Noninterest expense to average assets | 6.4509% | 253 |
| Loan and lease loss provision to assets | 2.8864% | 628 |
| Net operating income to assets | -3.3527% | 7,474 |
| Return on assets (ROA) | -3.3527% | 7,473 |
| Pretax return on assets | -3.3527% | 7,385 |
| Return on Equity (ROE) | -13.7712% | 6,866 |
| Retained earnings to average equity (ytd only) | -13.7712% | 6,799 |
| Net charge-offs to loans | 1.9523% | 1,268 |
| Credit loss provision to net charge-offs | 184.8012% | 2,209 |
| Earnings coverage of net charge-offs (x) | -0.2985% | 6,548 |
| Efficiency ratio | 107.7909% | 845 |
| Assets per employee ($millions) | 3.9731% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6953% | 1,017 |
| Loan loss allowance to noncurrent loans | 43.3483% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 4.9112% | 1,265 |
| Noncurrent loans to loans | 6.2179% | 993 |
| Net loans and leases to total assets | 76.8557% | 1,616 |
| Net loans and leases to deposits | 96.2061% | 1,310 |
| Net loans and leases to core deposits | 177.7899% | 175 |
| Total domestic deposits to total assets | 79.8865% | 5,702 |
| Equity capital to assets | 19.6258% | 324 |
| Core capital (leverage) ratio | 21.0345% | 235 |
| Tier 1 risk-based capital ratio | 24.9470% | 847 |
| Total risk-based capital ratio | 26.2148% | 823 |
| Memoranda: | ||
| Average total assets | $82,143,600 | 5,661 |
| Average earning assets | $77,459,800 | 5,545 |
| Average equity | $19,998,200 | 3,197 |
| Average total loans | $65,717,400 | 5,034 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 4,768 |
| Cost of funding earning assets | 0.7867% | 7,711 |
| Net interest margin | 4.6485% | 911 |
| Noninterest income to average assets | 2.0260% | 356 |
| Noninterest expense to average assets | 6.7696% | 215 |
| Loan and lease loss provision to assets | 2.0124% | 897 |
| Net operating income to assets | -2.3591% | 7,431 |
| Return on assets (ROA) | -2.3591% | 7,423 |
| Pretax return on assets | -2.3591% | 7,303 |
| Return on Equity (ROE) | -9.1536% | 6,822 |
| Retained earnings to average equity (ytd only) | -9.1536% | 6,717 |
| Net charge-offs to loans | 1.2908% | 1,592 |
| Credit loss provision to net charge-offs | 194.1272% | 2,323 |
| Earnings coverage of net charge-offs (x) | -0.3344% | 6,378 |
| Efficiency ratio | 105.3976% | 875 |
| Assets per employee ($millions) | 3.4042% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0963% | 1,602 |
| Loan loss allowance to noncurrent loans | 53.8652% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 3.1861% | 2,127 |
| Noncurrent loans to loans | 3.8917% | 1,896 |
| Net loans and leases to total assets | 80.1514% | 1,140 |
| Net loans and leases to deposits | 104.3848% | 745 |
| Net loans and leases to core deposits | 169.8477% | 271 |
| Total domestic deposits to total assets | 76.7845% | 6,396 |
| Equity capital to assets | 22.6020% | 228 |
| Core capital (leverage) ratio | 24.8253% | 174 |
| Tier 1 risk-based capital ratio | 27.3760% | 721 |
| Total risk-based capital ratio | 28.6363% | 704 |
| Memoranda: | ||
| Average total assets | $78,841,000 | 5,803 |
| Average earning assets | $74,574,500 | 5,692 |
| Average equity | $20,319,250 | 3,189 |
| Average total loans | $63,318,000 | 5,159 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 5,499 |
| Cost of funding earning assets | 0.8629% | 7,737 |
| Net interest margin | 4.4676% | 1,253 |
| Noninterest income to average assets | 0.1772% | 7,028 |
| Noninterest expense to average assets | 7.2655% | 198 |
| Loan and lease loss provision to assets | 1.6821% | 998 |
| Net operating income to assets | -4.5254% | 7,895 |
| Return on assets (ROA) | -4.5254% | 7,893 |
| Pretax return on assets | -4.5254% | 7,812 |
| Return on Equity (ROE) | -16.7548% | 7,412 |
| Retained earnings to average equity (ytd only) | -16.7548% | 7,335 |
| Net charge-offs to loans | 1.1847% | 1,543 |
| Credit loss provision to net charge-offs | 178.1513% | 2,574 |
| Earnings coverage of net charge-offs (x) | -3.0112% | 6,405 |
| Efficiency ratio | 164.2943% | 306 |
| Assets per employee ($millions) | 2.8362% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 1,954 |
| Loan loss allowance to noncurrent loans | 91.7355% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.8050% | 3,464 |
| Noncurrent loans to loans | 2.0017% | 3,519 |
| Net loans and leases to total assets | 88.5164% | 213 |
| Net loans and leases to deposits | 122.0813% | 199 |
| Net loans and leases to core deposits | 196.5728% | 132 |
| Total domestic deposits to total assets | 72.5061% | 7,185 |
| Equity capital to assets | 26.6368% | 176 |
| Core capital (leverage) ratio | 25.4803% | 196 |
| Tier 1 risk-based capital ratio | 29.7070% | 619 |
| Total risk-based capital ratio | 30.9639% | 607 |
| Memoranda: | ||
| Average total assets | $75,618,000 | 5,929 |
| Average earning assets | $71,850,670 | 5,830 |
| Average equity | $20,424,000 | 3,184 |
| Average total loans | $60,270,330 | 5,315 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9669% | 7,020 |
| Cost of funding earning assets | 0.9603% | 7,733 |
| Net interest margin | 4.0067% | 2,616 |
| Noninterest income to average assets | 0.1724% | 7,075 |
| Noninterest expense to average assets | 7.2208% | 194 |
| Loan and lease loss provision to assets | 1.1965% | 1,083 |
| Net operating income to assets | -4.4516% | 8,011 |
| Return on assets (ROA) | -4.4516% | 8,003 |
| Pretax return on assets | -4.4516% | 7,945 |
| Return on Equity (ROE) | -16.3728% | 7,653 |
| Retained earnings to average equity (ytd only) | -16.3728% | 7,506 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.0817% | 234 |
| Assets per employee ($millions) | 3.0625% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 1,413 |
| Loan loss allowance to noncurrent loans | 68.7207% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.1400% | 2,689 |
| Noncurrent loans to loans | 2.9121% | 2,243 |
| Net loans and leases to total assets | 72.0154% | 3,240 |
| Net loans and leases to deposits | 98.0809% | 1,653 |
| Net loans and leases to core deposits | 141.4794% | 1,040 |
| Total domestic deposits to total assets | 73.4245% | 6,980 |
| Equity capital to assets | 25.6562% | 207 |
| Core capital (leverage) ratio | 27.9884% | 175 |
| Tier 1 risk-based capital ratio | 33.8425% | 471 |
| Total risk-based capital ratio | 35.1015% | 465 |
| Memoranda: | ||
| Average total assets | $76,557,000 | 5,925 |
| Average earning assets | $72,479,500 | 5,825 |
| Average equity | $20,815,000 | 3,138 |
| Average total loans | $57,159,000 | 5,489 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1631% | 4,706 |
| Cost of funding earning assets | 1.5640% | 7,516 |
| Net interest margin | 4.5990% | 1,180 |
| Noninterest income to average assets | 0.1441% | 7,380 |
| Noninterest expense to average assets | 7.7579% | 236 |
| Loan and lease loss provision to assets | 0.9270% | 1,605 |
| Net operating income to assets | -4.1576% | 8,007 |
| Return on assets (ROA) | -4.1576% | 7,995 |
| Pretax return on assets | -4.1547% | 7,919 |
| Return on Equity (ROE) | -12.6809% | 7,478 |
| Retained earnings to average equity (ytd only) | -12.6809% | 7,306 |
| Net charge-offs to loans | 0.3537% | 3,061 |
| Credit loss provision to net charge-offs | 374.7059% | 1,176 |
| Earnings coverage of net charge-offs (x) | -13.0471% | 6,914 |
| Efficiency ratio | 171.2496% | 278 |
| Assets per employee ($millions) | 2.8265% | 6,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6898% | 1,941 |
| Loan loss allowance to noncurrent loans | 232.8395% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5511% | 5,530 |
| Noncurrent loans to loans | 0.7258% | 5,218 |
| Net loans and leases to total assets | 74.6530% | 2,953 |
| Net loans and leases to deposits | 106.4683% | 1,084 |
| Net loans and leases to core deposits | 152.7949% | 757 |
| Total domestic deposits to total assets | 70.1176% | 7,261 |
| Equity capital to assets | 28.8496% | 185 |
| Core capital (leverage) ratio | 29.4618% | 189 |
| Tier 1 risk-based capital ratio | 36.2280% | 415 |
| Total risk-based capital ratio | 37.4823% | 411 |
| Memoranda: | ||
| Average total assets | $68,716,800 | 6,070 |
| Average earning assets | $65,535,600 | 5,978 |
| Average equity | $22,530,000 | 2,904 |
| Average total loans | $48,059,800 | 5,788 |