Home > Proficio Bank > Performance and Condition Ratios
Proficio Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3453% | 1,991 |
| Cost of funding earning assets | 1.0076% | 164 |
| Net interest margin | 3.3378% | 4,036 |
| Noninterest income to average assets | 2.8410% | 221 |
| Noninterest expense to average assets | 10.6629% | 69 |
| Loan and lease loss provision to assets | 0.0241% | 3,880 |
| Net operating income to assets | -4.7008% | 5,904 |
| Return on assets (ROA) | -4.5338% | 5,904 |
| Pretax return on assets | -4.5667% | 5,904 |
| Return on Equity (ROE) | -133.2174% | 5,911 |
| Retained earnings to average equity (ytd only) | -133.2174% | 5,911 |
| Net charge-offs to loans | -0.2523% | 5,778 |
| Credit loss provision to net charge-offs | -14.7651% | 4,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.1605% | 19 |
| Assets per employee ($millions) | 6.2007% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 1,838 |
| Loan loss allowance to noncurrent loans | 66.0137% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 4.9554% | 122 |
| Noncurrent loans to loans | 2.2111% | 766 |
| Net loans and leases to total assets | 66.7121% | 2,972 |
| Net loans and leases to deposits | 69.9594% | 3,905 |
| Net loans and leases to core deposits | 83.4275% | 3,081 |
| Total domestic deposits to total assets | 95.3583% | 8 |
| Equity capital to assets | 3.3544% | 5,900 |
| Core capital (leverage) ratio | 3.1044% | 5,901 |
| Tier 1 risk-based capital ratio | 3.5843% | 5,908 |
| Total risk-based capital ratio | 4.7182% | 5,908 |
| Memoranda: | ||
| Average total assets | $91,270,000 | 4,523 |
| Average earning assets | $85,057,200 | 4,494 |
| Average equity | $3,106,200 | 5,748 |
| Average total loans | $59,047,600 | 4,330 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2925% | 2,182 |
| Cost of funding earning assets | 0.9995% | 171 |
| Net interest margin | 3.2929% | 4,208 |
| Noninterest income to average assets | 3.3362% | 180 |
| Noninterest expense to average assets | 11.1022% | 62 |
| Loan and lease loss provision to assets | -0.3545% | 5,925 |
| Net operating income to assets | -4.3845% | 5,973 |
| Return on assets (ROA) | -4.1729% | 5,972 |
| Pretax return on assets | -4.1262% | 5,971 |
| Return on Equity (ROE) | -122.3055% | 5,980 |
| Retained earnings to average equity (ytd only) | -122.3055% | 5,980 |
| Net charge-offs to loans | -0.3169% | 5,844 |
| Credit loss provision to net charge-offs | 174.3243% | 1,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 173.2047% | 22 |
| Assets per employee ($millions) | 6.6873% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 5,182 |
| Loan loss allowance to noncurrent loans | 40.0204% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.2269% | 189 |
| Noncurrent loans to loans | 2.0037% | 981 |
| Net loans and leases to total assets | 60.5842% | 3,807 |
| Net loans and leases to deposits | 64.0675% | 4,483 |
| Net loans and leases to core deposits | 78.2593% | 3,643 |
| Total domestic deposits to total assets | 94.5630% | 14 |
| Equity capital to assets | 4.3977% | 5,958 |
| Core capital (leverage) ratio | 4.0523% | 5,962 |
| Tier 1 risk-based capital ratio | 6.2400% | 5,959 |
| Total risk-based capital ratio | 6.9872% | 5,963 |
| Memoranda: | ||
| Average total assets | $97,035,500 | 4,442 |
| Average earning assets | $90,575,250 | 4,405 |
| Average equity | $3,310,750 | 5,785 |
| Average total loans | $62,265,250 | 4,248 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,901 |
| Cost of funding earning assets | 0.9807% | 186 |
| Net interest margin | 3.3938% | 3,920 |
| Noninterest income to average assets | 3.9910% | 154 |
| Noninterest expense to average assets | 12.2730% | 58 |
| Loan and lease loss provision to assets | -0.1871% | 5,930 |
| Net operating income to assets | -5.0160% | 6,050 |
| Return on assets (ROA) | -4.8698% | 6,050 |
| Pretax return on assets | -4.7860% | 6,046 |
| Return on Equity (ROE) | -154.3545% | 6,056 |
| Retained earnings to average equity (ytd only) | -154.3545% | 6,056 |
| Net charge-offs to loans | -0.0030% | 4,428 |
| Credit loss provision to net charge-offs | 9,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.5609% | 30 |
| Assets per employee ($millions) | 5.3944% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 5,545 |
| Loan loss allowance to noncurrent loans | 30.0459% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 5.3868% | 128 |
| Noncurrent loans to loans | 2.2776% | 807 |
| Net loans and leases to total assets | 62.1940% | 3,603 |
| Net loans and leases to deposits | 66.1467% | 4,337 |
| Net loans and leases to core deposits | 78.7080% | 3,583 |
| Total domestic deposits to total assets | 94.0243% | 18 |
| Equity capital to assets | 2.5440% | 6,051 |
| Core capital (leverage) ratio | 2.2413% | 6,054 |
| Tier 1 risk-based capital ratio | 3.8719% | 6,051 |
| Total risk-based capital ratio | 4.5947% | 6,053 |
| Memoranda: | ||
| Average total assets | $102,631,670 | 4,376 |
| Average earning assets | $95,644,000 | 4,347 |
| Average equity | $3,238,000 | 5,863 |
| Average total loans | $66,683,670 | 4,178 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4413% | 1,679 |
| Cost of funding earning assets | 0.9803% | 189 |
| Net interest margin | 3.4610% | 3,617 |
| Noninterest income to average assets | 3.2971% | 179 |
| Noninterest expense to average assets | 13.4881% | 50 |
| Loan and lease loss provision to assets | 0.0444% | 3,035 |
| Net operating income to assets | -7.0198% | 6,117 |
| Return on assets (ROA) | -6.7422% | 6,117 |
| Pretax return on assets | -6.7311% | 6,116 |
| Return on Equity (ROE) | -197.4800% | 6,121 |
| Retained earnings to average equity (ytd only) | -197.4800% | 6,117 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.7499% | 18 |
| Assets per employee ($millions) | 1.6415% | 6,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7387% | 5,523 |
| Loan loss allowance to noncurrent loans | 22.2519% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 5.5099% | 143 |
| Noncurrent loans to loans | 3.3198% | 439 |
| Net loans and leases to total assets | 62.9674% | 3,392 |
| Net loans and leases to deposits | 66.6524% | 4,190 |
| Net loans and leases to core deposits | 79.7107% | 3,345 |
| Total domestic deposits to total assets | 94.4713% | 17 |
| Equity capital to assets | 2.6664% | 6,108 |
| Core capital (leverage) ratio | 2.3973% | 6,112 |
| Tier 1 risk-based capital ratio | 4.1894% | 6,108 |
| Total risk-based capital ratio | 4.9687% | 6,114 |
| Memoranda: | ||
| Average total assets | $108,095,000 | 4,298 |
| Average earning assets | $100,781,000 | 4,278 |
| Average equity | $3,690,500 | 5,859 |
| Average total loans | $71,311,500 | 4,084 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,068 |
| Cost of funding earning assets | 0.8394% | 402 |
| Net interest margin | 3.5075% | 3,494 |
| Noninterest income to average assets | 11.3749% | 60 |
| Noninterest expense to average assets | 21.1420% | 36 |
| Loan and lease loss provision to assets | -0.4478% | 6,113 |
| Net operating income to assets | -6.1200% | 6,179 |
| Return on assets (ROA) | -6.1066% | 6,179 |
| Pretax return on assets | -6.0808% | 6,179 |
| Return on Equity (ROE) | -88.0057% | 6,179 |
| Retained earnings to average equity (ytd only) | -88.0057% | 6,177 |
| Net charge-offs to loans | -0.2456% | 5,985 |
| Credit loss provision to net charge-offs | 272.3810% | 1,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.8072% | 45 |
| Assets per employee ($millions) | 1.4674% | 6,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6712% | 5,690 |
| Loan loss allowance to noncurrent loans | 12.6445% | 5,540 |
| Noncurrent assets plus other real estate owned to assets | 7.4238% | 90 |
| Noncurrent loans to loans | 5.3084% | 174 |
| Net loans and leases to total assets | 67.6362% | 2,768 |
| Net loans and leases to deposits | 76.8591% | 3,169 |
| Net loans and leases to core deposits | 94.1226% | 2,039 |
| Total domestic deposits to total assets | 88.0002% | 1,631 |
| Equity capital to assets | 4.6305% | 6,150 |
| Core capital (leverage) ratio | 4.6495% | 6,148 |
| Tier 1 risk-based capital ratio | 6.8284% | 6,149 |
| Total risk-based capital ratio | 7.5290% | 6,154 |
| Memoranda: | ||
| Average total assets | $127,746,000 | 3,940 |
| Average earning assets | $117,462,000 | 3,937 |
| Average equity | $8,864,200 | 4,879 |
| Average total loans | $85,494,000 | 3,686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 1,674 |
| Cost of funding earning assets | 0.8327% | 417 |
| Net interest margin | 3.6428% | 2,985 |
| Noninterest income to average assets | 13.5943% | 55 |
| Noninterest expense to average assets | 22.3041% | 37 |
| Loan and lease loss provision to assets | -0.5024% | 6,210 |
| Net operating income to assets | -4.8956% | 6,261 |
| Return on assets (ROA) | -4.8785% | 6,261 |
| Pretax return on assets | -4.8452% | 6,259 |
| Return on Equity (ROE) | -65.7524% | 6,259 |
| Retained earnings to average equity (ytd only) | -65.7524% | 6,259 |
| Net charge-offs to loans | -0.3086% | 6,088 |
| Credit loss provision to net charge-offs | 244.1176% | 1,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6698% | 68 |
| Assets per employee ($millions) | 1.2034% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8850% | 5,257 |
| Loan loss allowance to noncurrent loans | 25.6757% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 6.1715% | 132 |
| Noncurrent loans to loans | 3.4468% | 459 |
| Net loans and leases to total assets | 56.4359% | 4,303 |
| Net loans and leases to deposits | 63.2109% | 4,628 |
| Net loans and leases to core deposits | 76.7016% | 3,722 |
| Total domestic deposits to total assets | 89.2818% | 880 |
| Equity capital to assets | 7.2059% | 6,119 |
| Core capital (leverage) ratio | 6.6371% | 6,158 |
| Tier 1 risk-based capital ratio | 11.6200% | 5,316 |
| Total risk-based capital ratio | 12.4842% | 5,428 |
| Memoranda: | ||
| Average total assets | $132,169,500 | 3,890 |
| Average earning assets | $121,368,750 | 3,896 |
| Average equity | $9,806,250 | 4,750 |
| Average total loans | $88,133,000 | 3,661 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 1,816 |
| Cost of funding earning assets | 0.8086% | 474 |
| Net interest margin | 3.6040% | 3,078 |
| Noninterest income to average assets | 14.4166% | 55 |
| Noninterest expense to average assets | 24.1567% | 34 |
| Loan and lease loss provision to assets | -0.6237% | 6,292 |
| Net operating income to assets | -5.8663% | 6,340 |
| Return on assets (ROA) | -5.8417% | 6,341 |
| Pretax return on assets | -5.7840% | 6,341 |
| Return on Equity (ROE) | -78.1232% | 6,337 |
| Retained earnings to average equity (ytd only) | -78.1232% | 6,335 |
| Net charge-offs to loans | -0.2999% | 6,120 |
| Credit loss provision to net charge-offs | 300.0000% | 927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.2903% | 65 |
| Assets per employee ($millions) | 0.9303% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6429% | 5,905 |
| Loan loss allowance to noncurrent loans | 25.7474% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 5.5865% | 176 |
| Noncurrent loans to loans | 2.4970% | 895 |
| Net loans and leases to total assets | 68.9573% | 2,491 |
| Net loans and leases to deposits | 77.7352% | 3,063 |
| Net loans and leases to core deposits | 93.6689% | 1,993 |
| Total domestic deposits to total assets | 88.7079% | 1,291 |
| Equity capital to assets | 6.7720% | 6,226 |
| Core capital (leverage) ratio | 6.9833% | 6,193 |
| Tier 1 risk-based capital ratio | 9.3403% | 6,220 |
| Total risk-based capital ratio | 9.9863% | 6,270 |
| Memoranda: | ||
| Average total assets | $138,520,670 | 3,810 |
| Average earning assets | $127,136,330 | 3,819 |
| Average equity | $10,358,000 | 4,675 |
| Average total loans | $96,041,330 | 3,508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 1,967 |
| Cost of funding earning assets | 0.8253% | 439 |
| Net interest margin | 3.5153% | 3,371 |
| Noninterest income to average assets | 13.9151% | 57 |
| Noninterest expense to average assets | 25.4882% | 31 |
| Loan and lease loss provision to assets | -0.3801% | 6,329 |
| Net operating income to assets | -8.0042% | 6,413 |
| Return on assets (ROA) | -7.9567% | 6,413 |
| Pretax return on assets | -7.9315% | 6,413 |
| Return on Equity (ROE) | -102.0567% | 6,409 |
| Retained earnings to average equity (ytd only) | -102.0567% | 6,405 |
| Net charge-offs to loans | -0.5726% | 6,259 |
| Credit loss provision to net charge-offs | 95.7746% | 1,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.8008% | 51 |
| Assets per employee ($millions) | 0.6567% | 6,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 4,871 |
| Loan loss allowance to noncurrent loans | 30.5721% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 6.2773% | 162 |
| Noncurrent loans to loans | 3.3659% | 593 |
| Net loans and leases to total assets | 67.1420% | 2,589 |
| Net loans and leases to deposits | 77.5851% | 2,866 |
| Net loans and leases to core deposits | 94.4335% | 1,729 |
| Total domestic deposits to total assets | 86.5397% | 2,640 |
| Equity capital to assets | 7.8562% | 6,085 |
| Core capital (leverage) ratio | 6.6636% | 6,274 |
| Tier 1 risk-based capital ratio | 10.1668% | 6,121 |
| Total risk-based capital ratio | 11.1240% | 6,160 |
| Memoranda: | ||
| Average total assets | $143,125,000 | 3,754 |
| Average earning assets | $130,858,000 | 3,761 |
| Average equity | $11,158,500 | 4,570 |
| Average total loans | $99,188,500 | 3,470 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,165 |
| Cost of funding earning assets | 0.7050% | 1,074 |
| Net interest margin | 3.4356% | 4,044 |
| Noninterest income to average assets | 23.6582% | 34 |
| Noninterest expense to average assets | 34.4810% | 28 |
| Loan and lease loss provision to assets | -0.0870% | 6,122 |
| Net operating income to assets | -7.7025% | 6,504 |
| Return on assets (ROA) | -7.7025% | 6,505 |
| Pretax return on assets | -7.6720% | 6,506 |
| Return on Equity (ROE) | -65.1045% | 6,494 |
| Retained earnings to average equity (ytd only) | -65.1045% | 6,494 |
| Net charge-offs to loans | 0.3999% | 1,072 |
| Credit loss provision to net charge-offs | -31.6222% | 5,378 |
| Earnings coverage of net charge-offs (x) | -28.2053% | 4,939 |
| Efficiency ratio | 129.0359% | 96 |
| Assets per employee ($millions) | 0.5809% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7605% | 5,863 |
| Loan loss allowance to noncurrent loans | 29.2526% | 5,667 |
| Noncurrent assets plus other real estate owned to assets | 4.9169% | 286 |
| Noncurrent loans to loans | 2.5999% | 958 |
| Net loans and leases to total assets | 69.8959% | 2,253 |
| Net loans and leases to deposits | 83.1639% | 2,317 |
| Net loans and leases to core deposits | 100.5945% | 1,355 |
| Total domestic deposits to total assets | 84.0460% | 3,702 |
| Equity capital to assets | 7.7500% | 6,157 |
| Core capital (leverage) ratio | 7.6456% | 6,153 |
| Tier 1 risk-based capital ratio | 9.5102% | 6,349 |
| Total risk-based capital ratio | 10.2000% | 6,403 |
| Memoranda: | ||
| Average total assets | $177,033,800 | 3,242 |
| Average earning assets | $157,877,200 | 3,314 |
| Average equity | $20,944,800 | 3,060 |
| Average total loans | $121,780,600 | 3,007 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,524 |
| Cost of funding earning assets | 0.6905% | 1,198 |
| Net interest margin | 3.3694% | 4,364 |
| Noninterest income to average assets | 25.3761% | 31 |
| Noninterest expense to average assets | 32.6071% | 27 |
| Loan and lease loss provision to assets | -0.1393% | 6,339 |
| Net operating income to assets | -4.1387% | 6,572 |
| Return on assets (ROA) | -4.1387% | 6,573 |
| Pretax return on assets | -4.1033% | 6,572 |
| Return on Equity (ROE) | -32.4819% | 6,543 |
| Retained earnings to average equity (ytd only) | -32.4819% | 6,538 |
| Net charge-offs to loans | 0.4287% | 927 |
| Credit loss provision to net charge-offs | -47.4874% | 5,336 |
| Earnings coverage of net charge-offs (x) | -14.4649% | 4,645 |
| Efficiency ratio | 114.9575% | 172 |
| Assets per employee ($millions) | 0.4193% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 6,034 |
| Loan loss allowance to noncurrent loans | 33.4303% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 4.4855% | 404 |
| Noncurrent loans to loans | 2.1927% | 1,394 |
| Net loans and leases to total assets | 69.3438% | 2,301 |
| Net loans and leases to deposits | 91.4757% | 1,285 |
| Net loans and leases to core deposits | 110.3466% | 732 |
| Total domestic deposits to total assets | 75.8057% | 5,846 |
| Equity capital to assets | 11.3335% | 2,642 |
| Core capital (leverage) ratio | 10.6729% | 2,842 |
| Tier 1 risk-based capital ratio | 14.4902% | 3,893 |
| Total risk-based capital ratio | 15.1759% | 4,215 |
| Memoranda: | ||
| Average total assets | $180,921,500 | 3,225 |
| Average earning assets | $160,460,250 | 3,299 |
| Average equity | $23,052,250 | 2,850 |
| Average total loans | $123,792,000 | 2,997 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7672% | 4,631 |
| Cost of funding earning assets | 0.6377% | 1,606 |
| Net interest margin | 3.1296% | 5,161 |
| Noninterest income to average assets | 26.8789% | 31 |
| Noninterest expense to average assets | 32.7894% | 27 |
| Loan and lease loss provision to assets | -0.0728% | 6,338 |
| Net operating income to assets | -3.1113% | 6,627 |
| Return on assets (ROA) | -3.1113% | 6,629 |
| Pretax return on assets | -3.0782% | 6,626 |
| Return on Equity (ROE) | -23.5595% | 6,591 |
| Retained earnings to average equity (ytd only) | -23.5595% | 6,558 |
| Net charge-offs to loans | 0.0633% | 3,082 |
| Credit loss provision to net charge-offs | -169.2308% | 5,363 |
| Earnings coverage of net charge-offs (x) | -73.2821% | 4,359 |
| Efficiency ratio | 110.6313% | 221 |
| Assets per employee ($millions) | 0.4067% | 6,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 5,506 |
| Loan loss allowance to noncurrent loans | 39.3101% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 5.8270% | 268 |
| Noncurrent loans to loans | 2.4537% | 1,277 |
| Net loans and leases to total assets | 71.1973% | 1,885 |
| Net loans and leases to deposits | 88.6537% | 1,515 |
| Net loans and leases to core deposits | 107.1078% | 822 |
| Total domestic deposits to total assets | 80.3095% | 5,176 |
| Equity capital to assets | 11.6113% | 2,314 |
| Core capital (leverage) ratio | 13.0855% | 1,128 |
| Tier 1 risk-based capital ratio | 16.7222% | 2,738 |
| Total risk-based capital ratio | 17.7389% | 2,798 |
| Memoranda: | ||
| Average total assets | $181,406,000 | 3,234 |
| Average earning assets | $159,958,670 | 3,323 |
| Average equity | $23,956,330 | 2,757 |
| Average total loans | $123,266,330 | 3,003 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 4,842 |
| Cost of funding earning assets | 0.5931% | 2,034 |
| Net interest margin | 3.1089% | 5,222 |
| Noninterest income to average assets | 26.1740% | 30 |
| Noninterest expense to average assets | 33.4222% | 30 |
| Loan and lease loss provision to assets | 0.0023% | 3,792 |
| Net operating income to assets | -4.7581% | 6,709 |
| Return on assets (ROA) | -4.7581% | 6,709 |
| Pretax return on assets | -4.5426% | 6,705 |
| Return on Equity (ROE) | -33.6873% | 6,671 |
| Retained earnings to average equity (ytd only) | -33.6873% | 6,632 |
| Net charge-offs to loans | 0.3809% | 956 |
| Credit loss provision to net charge-offs | 0.9259% | 2,681 |
| Earnings coverage of net charge-offs (x) | -18.1481% | 3,616 |
| Efficiency ratio | 115.7202% | 214 |
| Assets per employee ($millions) | 0.2735% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 4,795 |
| Loan loss allowance to noncurrent loans | 44.0214% | 5,437 |
| Noncurrent assets plus other real estate owned to assets | 6.5800% | 243 |
| Noncurrent loans to loans | 2.6498% | 1,287 |
| Net loans and leases to total assets | 67.0821% | 2,380 |
| Net loans and leases to deposits | 86.4110% | 1,544 |
| Net loans and leases to core deposits | 103.8287% | 870 |
| Total domestic deposits to total assets | 77.6314% | 5,885 |
| Equity capital to assets | 13.3467% | 1,159 |
| Core capital (leverage) ratio | 15.1671% | 578 |
| Tier 1 risk-based capital ratio | 18.2836% | 2,179 |
| Total risk-based capital ratio | 19.3625% | 2,222 |
| Memoranda: | ||
| Average total assets | $172,675,500 | 3,370 |
| Average earning assets | $150,407,500 | 3,502 |
| Average equity | $24,389,000 | 2,710 |
| Average total loans | $113,416,000 | 3,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 4,691 |
| Cost of funding earning assets | 0.5583% | 3,040 |
| Net interest margin | 3.2724% | 4,767 |
| Noninterest income to average assets | 45.7086% | 24 |
| Noninterest expense to average assets | 48.1551% | 23 |
| Loan and lease loss provision to assets | -0.0484% | 6,378 |
| Net operating income to assets | 0.4454% | 4,974 |
| Return on assets (ROA) | 0.4454% | 5,099 |
| Pretax return on assets | 0.5728% | 4,958 |
| Return on Equity (ROE) | 3.3950% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.3950% | 3,811 |
| Net charge-offs to loans | 0.5488% | 1,204 |
| Credit loss provision to net charge-offs | -12.3235% | 5,692 |
| Earnings coverage of net charge-offs (x) | 1.3363% | 4,616 |
| Efficiency ratio | 98.9226% | 515 |
| Assets per employee ($millions) | 0.2219% | 6,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 3,607 |
| Loan loss allowance to noncurrent loans | 47.3883% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 6.8942% | 246 |
| Noncurrent loans to loans | 2.9730% | 1,156 |
| Net loans and leases to total assets | 62.4917% | 3,299 |
| Net loans and leases to deposits | 79.0191% | 2,587 |
| Net loans and leases to core deposits | 95.2808% | 1,507 |
| Total domestic deposits to total assets | 79.0842% | 5,636 |
| Equity capital to assets | 14.9388% | 680 |
| Core capital (leverage) ratio | 14.4854% | 692 |
| Tier 1 risk-based capital ratio | 20.3594% | 1,573 |
| Total risk-based capital ratio | 21.5662% | 1,552 |
| Memoranda: | ||
| Average total assets | $198,487,600 | 3,049 |
| Average earning assets | $180,202,200 | 3,069 |
| Average equity | $26,038,400 | 2,540 |
| Average total loans | $141,935,800 | 2,669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 5,072 |
| Cost of funding earning assets | 0.5433% | 3,339 |
| Net interest margin | 3.1929% | 5,024 |
| Noninterest income to average assets | 48.1697% | 23 |
| Noninterest expense to average assets | 49.6069% | 21 |
| Loan and lease loss provision to assets | -0.1664% | 6,693 |
| Net operating income to assets | 1.6547% | 673 |
| Return on assets (ROA) | 1.6547% | 707 |
| Pretax return on assets | 1.6547% | 1,199 |
| Return on Equity (ROE) | 12.9828% | 1,239 |
| Retained earnings to average equity (ytd only) | 12.9828% | 336 |
| Net charge-offs to loans | 0.4760% | 1,353 |
| Credit loss provision to net charge-offs | -47.7695% | 5,706 |
| Earnings coverage of net charge-offs (x) | 4.2732% | 3,483 |
| Efficiency ratio | 97.0871% | 567 |
| Assets per employee ($millions) | 0.2218% | 6,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,098 |
| Loan loss allowance to noncurrent loans | 36.9181% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 6.3782% | 349 |
| Noncurrent loans to loans | 3.1290% | 1,262 |
| Net loans and leases to total assets | 72.5061% | 1,525 |
| Net loans and leases to deposits | 94.7424% | 773 |
| Net loans and leases to core deposits | 114.3015% | 440 |
| Total domestic deposits to total assets | 76.5298% | 6,106 |
| Equity capital to assets | 14.3576% | 864 |
| Core capital (leverage) ratio | 14.6377% | 701 |
| Tier 1 risk-based capital ratio | 19.9773% | 1,746 |
| Total risk-based capital ratio | 21.1473% | 1,730 |
| Memoranda: | ||
| Average total assets | $205,947,500 | 2,977 |
| Average earning assets | $188,705,000 | 2,994 |
| Average equity | $26,249,500 | 2,560 |
| Average total loans | $150,695,500 | 2,557 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6085% | 5,410 |
| Cost of funding earning assets | 0.5406% | 3,498 |
| Net interest margin | 3.0679% | 5,372 |
| Noninterest income to average assets | 53.6655% | 23 |
| Noninterest expense to average assets | 53.8597% | 19 |
| Loan and lease loss provision to assets | 0.0462% | 4,047 |
| Net operating income to assets | 2.5730% | 157 |
| Return on assets (ROA) | 2.5730% | 170 |
| Pretax return on assets | 2.5730% | 255 |
| Return on Equity (ROE) | 20.9664% | 252 |
| Retained earnings to average equity (ytd only) | 20.9664% | 77 |
| Net charge-offs to loans | 0.6973% | 941 |
| Credit loss provision to net charge-offs | 9.0573% | 3,910 |
| Earnings coverage of net charge-offs (x) | 5.1368% | 2,959 |
| Efficiency ratio | 95.3626% | 693 |
| Assets per employee ($millions) | 0.2418% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 5,138 |
| Loan loss allowance to noncurrent loans | 34.3392% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 6.5642% | 377 |
| Noncurrent loans to loans | 3.4135% | 1,248 |
| Net loans and leases to total assets | 72.0710% | 1,566 |
| Net loans and leases to deposits | 96.9532% | 608 |
| Net loans and leases to core deposits | 116.4608% | 383 |
| Total domestic deposits to total assets | 74.3358% | 6,415 |
| Equity capital to assets | 12.3167% | 1,696 |
| Core capital (leverage) ratio | 13.5726% | 948 |
| Tier 1 risk-based capital ratio | 18.2010% | 2,244 |
| Total risk-based capital ratio | 19.4452% | 2,209 |
| Memoranda: | ||
| Average total assets | $212,207,000 | 2,937 |
| Average earning assets | $194,597,670 | 2,933 |
| Average equity | $26,041,670 | 2,580 |
| Average total loans | $155,162,330 | 2,502 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6618% | 5,280 |
| Cost of funding earning assets | 0.5743% | 3,336 |
| Net interest margin | 3.0875% | 5,309 |
| Noninterest income to average assets | 51.1755% | 24 |
| Noninterest expense to average assets | 51.5124% | 21 |
| Loan and lease loss provision to assets | 0.0308% | 4,069 |
| Net operating income to assets | 2.4675% | 163 |
| Return on assets (ROA) | 2.4675% | 175 |
| Pretax return on assets | 2.4675% | 279 |
| Return on Equity (ROE) | 20.1465% | 286 |
| Retained earnings to average equity (ytd only) | 20.1465% | 137 |
| Net charge-offs to loans | 0.2313% | 2,055 |
| Credit loss provision to net charge-offs | 18.1818% | 3,062 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,438 |
| Efficiency ratio | 95.3744% | 757 |
| Assets per employee ($millions) | 0.2374% | 6,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,426 |
| Loan loss allowance to noncurrent loans | 36.9263% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 7.6996% | 337 |
| Noncurrent loans to loans | 4.3145% | 997 |
| Net loans and leases to total assets | 69.1430% | 1,815 |
| Net loans and leases to deposits | 83.2358% | 1,674 |
| Net loans and leases to core deposits | 100.3815% | 925 |
| Total domestic deposits to total assets | 83.0689% | 4,835 |
| Equity capital to assets | 12.6484% | 1,621 |
| Core capital (leverage) ratio | 12.4828% | 1,345 |
| Tier 1 risk-based capital ratio | 19.7544% | 1,833 |
| Total risk-based capital ratio | 21.0037% | 1,804 |
| Memoranda: | ||
| Average total assets | $207,818,000 | 3,001 |
| Average earning assets | $190,833,500 | 3,001 |
| Average equity | $25,453,500 | 2,667 |
| Average total loans | $152,166,000 | 2,552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 5,367 |
| Cost of funding earning assets | 0.7133% | 3,379 |
| Net interest margin | 3.2702% | 5,357 |
| Noninterest income to average assets | 37.0255% | 26 |
| Noninterest expense to average assets | 36.6179% | 22 |
| Loan and lease loss provision to assets | 0.3904% | 1,670 |
| Net operating income to assets | 3.0010% | 97 |
| Return on assets (ROA) | 3.0010% | 101 |
| Pretax return on assets | 3.0010% | 147 |
| Return on Equity (ROE) | 37.2678% | 30 |
| Retained earnings to average equity (ytd only) | 37.2678% | 10 |
| Net charge-offs to loans | 0.5607% | 2,060 |
| Credit loss provision to net charge-offs | 95.6674% | 3,247 |
| Earnings coverage of net charge-offs (x) | 8.3103% | 2,432 |
| Efficiency ratio | 91.5234% | 955 |
| Assets per employee ($millions) | 0.2572% | 7,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 3,773 |
| Loan loss allowance to noncurrent loans | 37.7937% | 5,732 |
| Noncurrent assets plus other real estate owned to assets | 7.6082% | 390 |
| Noncurrent loans to loans | 3.9523% | 1,197 |
| Net loans and leases to total assets | 74.9982% | 1,051 |
| Net loans and leases to deposits | 91.0715% | 977 |
| Net loans and leases to core deposits | 112.3578% | 456 |
| Total domestic deposits to total assets | 82.3509% | 4,979 |
| Equity capital to assets | 11.8535% | 2,143 |
| Core capital (leverage) ratio | 9.1948% | 4,592 |
| Tier 1 risk-based capital ratio | 18.1188% | 2,220 |
| Total risk-based capital ratio | 19.3748% | 2,187 |
| Memoranda: | ||
| Average total assets | $209,264,000 | 2,933 |
| Average earning assets | $190,936,000 | 2,943 |
| Average equity | $16,851,000 | 3,651 |
| Average total loans | $152,305,000 | 2,538 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 6,258 |
| Cost of funding earning assets | 0.6288% | 4,378 |
| Net interest margin | 3.0516% | 6,061 |
| Noninterest income to average assets | 28.6129% | 30 |
| Noninterest expense to average assets | 28.2764% | 25 |
| Loan and lease loss provision to assets | 0.4148% | 1,543 |
| Net operating income to assets | 2.7018% | 138 |
| Return on assets (ROA) | 2.7018% | 148 |
| Pretax return on assets | 2.7018% | 217 |
| Return on Equity (ROE) | 38.0443% | 32 |
| Retained earnings to average equity (ytd only) | 38.0443% | 15 |
| Net charge-offs to loans | 0.7396% | 1,496 |
| Credit loss provision to net charge-offs | 77.9641% | 3,677 |
| Earnings coverage of net charge-offs (x) | 5.8575% | 2,911 |
| Efficiency ratio | 90.0723% | 1,034 |
| Assets per employee ($millions) | 0.4595% | 7,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,099 |
| Loan loss allowance to noncurrent loans | 33.9824% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 6.0468% | 660 |
| Noncurrent loans to loans | 2.9323% | 1,903 |
| Net loans and leases to total assets | 72.9726% | 1,395 |
| Net loans and leases to deposits | 82.0063% | 2,118 |
| Net loans and leases to core deposits | 99.6167% | 1,149 |
| Total domestic deposits to total assets | 88.9842% | 1,436 |
| Equity capital to assets | 6.6977% | 6,918 |
| Core capital (leverage) ratio | 8.3192% | 5,979 |
| Tier 1 risk-based capital ratio | 11.0050% | 6,478 |
| Total risk-based capital ratio | 12.2354% | 6,468 |
| Memoranda: | ||
| Average total assets | $209,238,750 | 2,969 |
| Average earning assets | $190,626,250 | 2,983 |
| Average equity | $14,859,500 | 4,034 |
| Average total loans | $150,531,000 | 2,596 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 6,142 |
| Cost of funding earning assets | 0.6932% | 4,071 |
| Net interest margin | 3.1052% | 5,989 |
| Noninterest income to average assets | 26.8472% | 31 |
| Noninterest expense to average assets | 26.5555% | 27 |
| Loan and lease loss provision to assets | 0.5484% | 1,123 |
| Net operating income to assets | 2.5428% | 162 |
| Return on assets (ROA) | 2.5428% | 186 |
| Pretax return on assets | 2.5428% | 285 |
| Return on Equity (ROE) | 34.6798% | 53 |
| Retained earnings to average equity (ytd only) | 34.6798% | 37 |
| Net charge-offs to loans | 1.0986% | 989 |
| Credit loss provision to net charge-offs | 70.3757% | 3,549 |
| Earnings coverage of net charge-offs (x) | 3.9668% | 3,217 |
| Efficiency ratio | 89.5730% | 1,106 |
| Assets per employee ($millions) | 0.4197% | 7,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 4,549 |
| Loan loss allowance to noncurrent loans | 34.4061% | 5,954 |
| Noncurrent assets plus other real estate owned to assets | 9.3489% | 304 |
| Noncurrent loans to loans | 3.9992% | 1,380 |
| Net loans and leases to total assets | 80.5853% | 442 |
| Net loans and leases to deposits | 90.7702% | 1,071 |
| Net loans and leases to core deposits | 112.0459% | 508 |
| Total domestic deposits to total assets | 88.7794% | 1,656 |
| Equity capital to assets | 7.2619% | 6,853 |
| Core capital (leverage) ratio | 7.5606% | 6,594 |
| Tier 1 risk-based capital ratio | 9.9703% | 6,835 |
| Total risk-based capital ratio | 11.2239% | 6,814 |
| Memoranda: | ||
| Average total assets | $177,597,670 | 3,399 |
| Average earning assets | $160,116,000 | 3,426 |
| Average equity | $13,022,000 | 4,391 |
| Average total loans | $125,978,330 | 3,007 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 6,178 |
| Cost of funding earning assets | 0.7318% | 4,011 |
| Net interest margin | 3.1008% | 6,036 |
| Noninterest income to average assets | 21.3336% | 34 |
| Noninterest expense to average assets | 21.7241% | 31 |
| Loan and lease loss provision to assets | 0.6072% | 939 |
| Net operating income to assets | 1.7669% | 641 |
| Return on assets (ROA) | 1.7669% | 719 |
| Pretax return on assets | 1.7669% | 1,160 |
| Return on Equity (ROE) | 23.9625% | 214 |
| Retained earnings to average equity (ytd only) | 23.9625% | 109 |
| Net charge-offs to loans | -0.0258% | 6,279 |
| Credit loss provision to net charge-offs | -3,642.8571% | 6,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1482% | 1,082 |
| Assets per employee ($millions) | 0.4742% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3013% | 1,674 |
| Loan loss allowance to noncurrent loans | 35.3655% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 11.3522% | 233 |
| Noncurrent loans to loans | 6.5071% | 733 |
| Net loans and leases to total assets | 58.9490% | 3,862 |
| Net loans and leases to deposits | 64.7666% | 4,517 |
| Net loans and leases to core deposits | 82.1941% | 2,801 |
| Total domestic deposits to total assets | 91.0176% | 549 |
| Equity capital to assets | 6.6183% | 6,992 |
| Core capital (leverage) ratio | 7.4446% | 6,667 |
| Tier 1 risk-based capital ratio | 10.8102% | 6,617 |
| Total risk-based capital ratio | 12.0737% | 6,600 |
| Memoranda: | ||
| Average total assets | $167,979,000 | 3,556 |
| Average earning assets | $149,768,500 | 3,624 |
| Average equity | $12,386,000 | 4,531 |
| Average total loans | $108,551,000 | 3,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 5,796 |
| Cost of funding earning assets | 0.8090% | 4,801 |
| Net interest margin | 3.4783% | 5,226 |
| Noninterest income to average assets | 6.8733% | 90 |
| Noninterest expense to average assets | 12.5878% | 56 |
| Loan and lease loss provision to assets | 2.1377% | 252 |
| Net operating income to assets | -4.7159% | 7,291 |
| Return on assets (ROA) | -4.6616% | 7,292 |
| Pretax return on assets | -4.6616% | 7,301 |
| Return on Equity (ROE) | -41.1651% | 7,169 |
| Retained earnings to average equity (ytd only) | -41.1651% | 7,165 |
| Net charge-offs to loans | 3.0229% | 319 |
| Credit loss provision to net charge-offs | 94.4566% | 3,816 |
| Earnings coverage of net charge-offs (x) | -1.1392% | 6,214 |
| Efficiency ratio | 125.7569% | 261 |
| Assets per employee ($millions) | 0.4155% | 7,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4025% | 1,457 |
| Loan loss allowance to noncurrent loans | 24.3309% | 6,461 |
| Noncurrent assets plus other real estate owned to assets | 14.7607% | 129 |
| Noncurrent loans to loans | 9.8744% | 328 |
| Net loans and leases to total assets | 68.7150% | 2,268 |
| Net loans and leases to deposits | 76.5101% | 3,091 |
| Net loans and leases to core deposits | 103.5910% | 923 |
| Total domestic deposits to total assets | 89.8116% | 1,091 |
| Equity capital to assets | 8.3933% | 6,252 |
| Core capital (leverage) ratio | 8.3835% | 5,737 |
| Tier 1 risk-based capital ratio | 10.8028% | 6,558 |
| Total risk-based capital ratio | 11.9952% | 6,562 |
| Memoranda: | ||
| Average total assets | $141,883,000 | 3,940 |
| Average earning assets | $127,936,600 | 3,972 |
| Average equity | $16,067,000 | 3,718 |
| Average total loans | $106,221,000 | 3,467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 5,659 |
| Cost of funding earning assets | 0.8130% | 5,066 |
| Net interest margin | 3.5714% | 4,891 |
| Noninterest income to average assets | 6.8229% | 93 |
| Noninterest expense to average assets | 12.2449% | 58 |
| Loan and lease loss provision to assets | 2.6032% | 163 |
| Net operating income to assets | -4.7912% | 7,370 |
| Return on assets (ROA) | -4.7187% | 7,369 |
| Pretax return on assets | -4.7187% | 7,370 |
| Return on Equity (ROE) | -39.1150% | 7,250 |
| Retained earnings to average equity (ytd only) | -39.1150% | 7,243 |
| Net charge-offs to loans | 1.3059% | 1,183 |
| Credit loss provision to net charge-offs | 262.3340% | 1,087 |
| Earnings coverage of net charge-offs (x) | -2.2049% | 6,031 |
| Efficiency ratio | 121.7562% | 292 |
| Assets per employee ($millions) | 0.6513% | 7,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6589% | 233 |
| Loan loss allowance to noncurrent loans | 32.8302% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 18.8228% | 72 |
| Noncurrent loans to loans | 14.1908% | 157 |
| Net loans and leases to total assets | 66.6657% | 2,754 |
| Net loans and leases to deposits | 75.9801% | 3,333 |
| Net loans and leases to core deposits | 131.4581% | 230 |
| Total domestic deposits to total assets | 87.7409% | 2,203 |
| Equity capital to assets | 10.3395% | 3,910 |
| Core capital (leverage) ratio | 9.4503% | 4,227 |
| Tier 1 risk-based capital ratio | 12.1113% | 5,808 |
| Total risk-based capital ratio | 13.3938% | 5,777 |
| Memoranda: | ||
| Average total assets | $141,617,000 | 3,967 |
| Average earning assets | $128,238,750 | 3,989 |
| Average equity | $17,084,250 | 3,570 |
| Average total loans | $107,615,250 | 3,471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 6,145 |
| Cost of funding earning assets | 0.7861% | 5,470 |
| Net interest margin | 3.4701% | 5,291 |
| Noninterest income to average assets | 8.0151% | 82 |
| Noninterest expense to average assets | 10.9719% | 66 |
| Loan and lease loss provision to assets | 0.9768% | 902 |
| Net operating income to assets | -0.7682% | 6,851 |
| Return on assets (ROA) | -0.6618% | 6,801 |
| Pretax return on assets | -0.6618% | 6,746 |
| Return on Equity (ROE) | -5.2573% | 6,729 |
| Retained earnings to average equity (ytd only) | -5.2573% | 6,585 |
| Net charge-offs to loans | -0.0231% | 6,857 |
| Credit loss provision to net charge-offs | -5,438.4615% | 6,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1340% | 786 |
| Assets per employee ($millions) | 0.5489% | 7,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9471% | 938 |
| Loan loss allowance to noncurrent loans | 17.6750% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 19.7922% | 63 |
| Noncurrent loans to loans | 16.6736% | 106 |
| Net loans and leases to total assets | 75.6463% | 1,130 |
| Net loans and leases to deposits | 88.0222% | 1,496 |
| Net loans and leases to core deposits | 191.9816% | 77 |
| Total domestic deposits to total assets | 85.9400% | 3,361 |
| Equity capital to assets | 12.5443% | 1,757 |
| Core capital (leverage) ratio | 12.6709% | 1,296 |
| Tier 1 risk-based capital ratio | 14.7955% | 3,618 |
| Total risk-based capital ratio | 16.0635% | 3,575 |
| Memoranda: | ||
| Average total assets | $144,752,000 | 3,939 |
| Average earning assets | $132,043,000 | 3,942 |
| Average equity | $18,222,330 | 3,383 |
| Average total loans | $112,671,330 | 3,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 6,468 |
| Cost of funding earning assets | 0.7586% | 5,810 |
| Net interest margin | 3.3610% | 5,580 |
| Noninterest income to average assets | 7.5393% | 93 |
| Noninterest expense to average assets | 10.5748% | 71 |
| Loan and lease loss provision to assets | 1.3991% | 474 |
| Net operating income to assets | -1.3660% | 7,152 |
| Return on assets (ROA) | -1.3384% | 7,153 |
| Pretax return on assets | -1.3384% | 7,110 |
| Return on Equity (ROE) | -10.6133% | 7,043 |
| Retained earnings to average equity (ytd only) | -10.6133% | 6,893 |
| Net charge-offs to loans | -0.0142% | 6,459 |
| Credit loss provision to net charge-offs | -12,675.0000% | 6,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6878% | 759 |
| Assets per employee ($millions) | 0.5099% | 7,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8237% | 1,088 |
| Loan loss allowance to noncurrent loans | 22.4722% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 16.5653% | 113 |
| Noncurrent loans to loans | 12.5653% | 252 |
| Net loans and leases to total assets | 75.1619% | 1,149 |
| Net loans and leases to deposits | 90.0718% | 1,221 |
| Net loans and leases to core deposits | 281.7921% | 50 |
| Total domestic deposits to total assets | 83.4466% | 4,720 |
| Equity capital to assets | 12.6788% | 1,530 |
| Core capital (leverage) ratio | 12.7177% | 1,230 |
| Tier 1 risk-based capital ratio | 15.2706% | 3,274 |
| Total risk-based capital ratio | 16.5379% | 3,226 |
| Memoranda: | ||
| Average total assets | $144,948,000 | 3,977 |
| Average earning assets | $132,341,500 | 3,969 |
| Average equity | $18,279,000 | 3,360 |
| Average total loans | $112,747,500 | 3,420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 6,812 |
| Cost of funding earning assets | 0.9218% | 6,071 |
| Net interest margin | 3.3645% | 5,747 |
| Noninterest income to average assets | 5.8867% | 113 |
| Noninterest expense to average assets | 9.7409% | 84 |
| Loan and lease loss provision to assets | 3.3889% | 242 |
| Net operating income to assets | -4.1427% | 7,453 |
| Return on assets (ROA) | -5.0460% | 7,543 |
| Pretax return on assets | -5.0460% | 7,541 |
| Return on Equity (ROE) | -42.3187% | 7,372 |
| Retained earnings to average equity (ytd only) | -42.3187% | 7,365 |
| Net charge-offs to loans | 5.4591% | 137 |
| Credit loss provision to net charge-offs | 89.0051% | 5,169 |
| Earnings coverage of net charge-offs (x) | -0.1980% | 6,293 |
| Efficiency ratio | 104.3340% | 663 |
| Assets per employee ($millions) | 0.4809% | 7,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2484% | 1,780 |
| Loan loss allowance to noncurrent loans | 26.2063% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 13.3674% | 212 |
| Noncurrent loans to loans | 8.5794% | 570 |
| Net loans and leases to total assets | 76.4494% | 1,192 |
| Net loans and leases to deposits | 90.2849% | 1,482 |
| Net loans and leases to core deposits | 370.8306% | 41 |
| Total domestic deposits to total assets | 84.6757% | 4,010 |
| Equity capital to assets | 12.5451% | 1,607 |
| Core capital (leverage) ratio | 10.2220% | 2,839 |
| Tier 1 risk-based capital ratio | 15.2869% | 3,106 |
| Total risk-based capital ratio | 16.5477% | 3,059 |
| Memoranda: | ||
| Average total assets | $205,904,800 | 3,034 |
| Average earning assets | $189,746,400 | 3,014 |
| Average equity | $24,551,800 | 2,601 |
| Average total loans | $143,614,600 | 2,873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 7,181 |
| Cost of funding earning assets | 0.9323% | 6,265 |
| Net interest margin | 3.1873% | 6,383 |
| Noninterest income to average assets | 5.0321% | 137 |
| Noninterest expense to average assets | 8.1514% | 107 |
| Loan and lease loss provision to assets | 0.5140% | 2,886 |
| Net operating income to assets | -0.6912% | 6,727 |
| Return on assets (ROA) | -0.4989% | 6,638 |
| Pretax return on assets | -0.4989% | 6,557 |
| Return on Equity (ROE) | -4.2210% | 6,582 |
| Retained earnings to average equity (ytd only) | -4.2210% | 6,483 |
| Net charge-offs to loans | 1.4001% | 1,452 |
| Credit loss provision to net charge-offs | 53.7295% | 5,831 |
| Earnings coverage of net charge-offs (x) | -0.1852% | 6,166 |
| Efficiency ratio | 102.2221% | 679 |
| Assets per employee ($millions) | 0.5403% | 7,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,818 |
| Loan loss allowance to noncurrent loans | 21.0632% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 11.9363% | 278 |
| Noncurrent loans to loans | 8.4961% | 585 |
| Net loans and leases to total assets | 80.4919% | 667 |
| Net loans and leases to deposits | 97.1461% | 871 |
| Net loans and leases to core deposits | 1,625.0597% | 24 |
| Total domestic deposits to total assets | 82.8565% | 4,649 |
| Equity capital to assets | 13.9631% | 1,174 |
| Core capital (leverage) ratio | 12.2327% | 1,546 |
| Tier 1 risk-based capital ratio | 15.8027% | 2,862 |
| Total risk-based capital ratio | 17.0581% | 2,804 |
| Memoranda: | ||
| Average total assets | $220,472,250 | 2,912 |
| Average earning assets | $203,507,750 | 2,878 |
| Average equity | $26,059,500 | 2,492 |
| Average total loans | $150,652,750 | 2,799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 7,369 |
| Cost of funding earning assets | 0.9578% | 6,347 |
| Net interest margin | 3.0320% | 6,766 |
| Noninterest income to average assets | 4.2128% | 158 |
| Noninterest expense to average assets | 7.5187% | 133 |
| Loan and lease loss provision to assets | 0.4957% | 2,820 |
| Net operating income to assets | -1.0017% | 6,945 |
| Return on assets (ROA) | -0.9715% | 6,954 |
| Pretax return on assets | -0.9715% | 6,876 |
| Return on Equity (ROE) | -8.6376% | 6,917 |
| Retained earnings to average equity (ytd only) | -8.6376% | 6,846 |
| Net charge-offs to loans | 1.8415% | 1,010 |
| Credit loss provision to net charge-offs | 41.6064% | 5,589 |
| Earnings coverage of net charge-offs (x) | -0.4247% | 5,991 |
| Efficiency ratio | 107.2157% | 604 |
| Assets per employee ($millions) | 0.7444% | 7,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 2,352 |
| Loan loss allowance to noncurrent loans | 31.1187% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 8.6639% | 528 |
| Noncurrent loans to loans | 6.1923% | 1,013 |
| Net loans and leases to total assets | 64.5044% | 4,159 |
| Net loans and leases to deposits | 75.8372% | 4,366 |
| Net loans and leases to core deposits | 1,024.8538% | 28 |
| Total domestic deposits to total assets | 85.0564% | 3,594 |
| Equity capital to assets | 12.3906% | 1,872 |
| Core capital (leverage) ratio | 11.2651% | 2,056 |
| Tier 1 risk-based capital ratio | 15.4330% | 2,936 |
| Total risk-based capital ratio | 16.6636% | 2,905 |
| Memoranda: | ||
| Average total assets | $232,009,330 | 2,778 |
| Average earning assets | $214,247,000 | 2,761 |
| Average equity | $26,095,330 | 2,483 |
| Average total loans | $150,094,000 | 2,836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7349% | 7,621 |
| Cost of funding earning assets | 0.9212% | 6,693 |
| Net interest margin | 2.8137% | 7,162 |
| Noninterest income to average assets | 4.0619% | 164 |
| Noninterest expense to average assets | 8.4952% | 108 |
| Loan and lease loss provision to assets | 0.3286% | 3,429 |
| Net operating income to assets | -2.1723% | 7,498 |
| Return on assets (ROA) | -2.2314% | 7,518 |
| Pretax return on assets | -2.2314% | 7,466 |
| Return on Equity (ROE) | -20.7451% | 7,453 |
| Retained earnings to average equity (ytd only) | -20.7451% | 7,395 |
| Net charge-offs to loans | 0.4656% | 2,648 |
| Credit loss provision to net charge-offs | 109.8901% | 3,135 |
| Earnings coverage of net charge-offs (x) | -6.1648% | 5,542 |
| Efficiency ratio | 127.7174% | 358 |
| Assets per employee ($millions) | 0.6092% | 7,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 1,302 |
| Loan loss allowance to noncurrent loans | 28.9425% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 9.1667% | 483 |
| Noncurrent loans to loans | 8.6140% | 590 |
| Net loans and leases to total assets | 64.6806% | 4,174 |
| Net loans and leases to deposits | 80.2826% | 3,607 |
| Net loans and leases to core deposits | 7,348.5946% | 19 |
| Total domestic deposits to total assets | 80.5662% | 5,598 |
| Equity capital to assets | 12.1755% | 1,945 |
| Core capital (leverage) ratio | 10.0133% | 3,152 |
| Tier 1 risk-based capital ratio | 15.7786% | 2,738 |
| Total risk-based capital ratio | 17.0400% | 2,674 |
| Memoranda: | ||
| Average total assets | $243,430,500 | 2,725 |
| Average earning assets | $224,049,000 | 2,689 |
| Average equity | $26,184,500 | 2,501 |
| Average total loans | $156,354,500 | 2,808 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6353% | 7,228 |
| Cost of funding earning assets | 0.7860% | 7,576 |
| Net interest margin | 3.8493% | 3,486 |
| Noninterest income to average assets | 3.7066% | 183 |
| Noninterest expense to average assets | 7.6947% | 165 |
| Loan and lease loss provision to assets | 0.6382% | 3,248 |
| Net operating income to assets | -0.9742% | 6,559 |
| Return on assets (ROA) | -1.1757% | 6,695 |
| Pretax return on assets | -1.1757% | 6,525 |
| Return on Equity (ROE) | -9.5782% | 6,589 |
| Retained earnings to average equity (ytd only) | -9.5782% | 6,486 |
| Net charge-offs to loans | 0.3689% | 4,373 |
| Credit loss provision to net charge-offs | 225.9554% | 1,654 |
| Earnings coverage of net charge-offs (x) | -1.1895% | 6,915 |
| Efficiency ratio | 104.5657% | 940 |
| Assets per employee ($millions) | 0.8435% | 7,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 2,040 |
| Loan loss allowance to noncurrent loans | 46.4910% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 6.9117% | 736 |
| Noncurrent loans to loans | 4.2924% | 1,684 |
| Net loans and leases to total assets | 61.3808% | 5,129 |
| Net loans and leases to deposits | 68.6437% | 5,759 |
| Net loans and leases to core deposits | 68.6437% | 6,842 |
| Total domestic deposits to total assets | 89.4194% | 1,256 |
| Equity capital to assets | 9.6785% | 4,167 |
| Core capital (leverage) ratio | 9.4212% | 3,811 |
| Tier 1 risk-based capital ratio | 12.8638% | 4,234 |
| Total risk-based capital ratio | 14.0976% | 4,200 |
| Memoranda: | ||
| Average total assets | $222,334,800 | 2,909 |
| Average earning assets | $210,945,200 | 2,827 |
| Average equity | $27,291,000 | 2,425 |
| Average total loans | $170,221,600 | 2,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6001% | 3,862 |
| Cost of funding earning assets | 0.7033% | 7,808 |
| Net interest margin | 4.8968% | 558 |
| Noninterest income to average assets | 1.9487% | 391 |
| Noninterest expense to average assets | 7.0098% | 203 |
| Loan and lease loss provision to assets | 0.5646% | 3,129 |
| Net operating income to assets | -0.9031% | 6,765 |
| Return on assets (ROA) | -1.1490% | 6,937 |
| Pretax return on assets | -1.1490% | 6,792 |
| Return on Equity (ROE) | -8.7479% | 6,792 |
| Retained earnings to average equity (ytd only) | -8.7479% | 6,678 |
| Net charge-offs to loans | 0.4815% | 3,304 |
| Credit loss provision to net charge-offs | 144.4444% | 3,372 |
| Earnings coverage of net charge-offs (x) | -0.8660% | 6,605 |
| Efficiency ratio | 105.0742% | 882 |
| Assets per employee ($millions) | 0.6150% | 8,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 3,272 |
| Loan loss allowance to noncurrent loans | 27.1752% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 6.1230% | 863 |
| Noncurrent loans to loans | 5.6338% | 1,102 |
| Net loans and leases to total assets | 70.8209% | 3,311 |
| Net loans and leases to deposits | 80.4282% | 4,315 |
| Net loans and leases to core deposits | 80.4282% | 6,315 |
| Total domestic deposits to total assets | 88.0548% | 1,631 |
| Equity capital to assets | 10.0873% | 3,974 |
| Core capital (leverage) ratio | 11.9300% | 1,834 |
| Tier 1 risk-based capital ratio | 13.0140% | 4,182 |
| Total risk-based capital ratio | 14.2661% | 4,113 |
| Memoranda: | ||
| Average total assets | $208,749,500 | 3,099 |
| Average earning assets | $201,324,750 | 2,965 |
| Average equity | $27,419,250 | 2,443 |
| Average total loans | $169,456,000 | 2,657 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 4,268 |
| Cost of funding earning assets | 0.6598% | 7,948 |
| Net interest margin | 4.9027% | 533 |
| Noninterest income to average assets | 1.5695% | 609 |
| Noninterest expense to average assets | 6.8398% | 234 |
| Loan and lease loss provision to assets | 0.4573% | 3,241 |
| Net operating income to assets | -0.9875% | 6,971 |
| Return on assets (ROA) | -1.2326% | 7,139 |
| Pretax return on assets | -1.2326% | 6,960 |
| Return on Equity (ROE) | -8.4613% | 6,928 |
| Retained earnings to average equity (ytd only) | -8.4613% | 6,718 |
| Net charge-offs to loans | 0.3520% | 3,427 |
| Credit loss provision to net charge-offs | 151.9298% | 3,026 |
| Earnings coverage of net charge-offs (x) | -1.7614% | 6,329 |
| Efficiency ratio | 106.9635% | 942 |
| Assets per employee ($millions) | 0.9332% | 8,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6672% | 2,462 |
| Loan loss allowance to noncurrent loans | 21.4902% | 7,042 |
| Noncurrent assets plus other real estate owned to assets | 7.8847% | 485 |
| Noncurrent loans to loans | 7.7581% | 584 |
| Net loans and leases to total assets | 84.3150% | 588 |
| Net loans and leases to deposits | 108.3911% | 633 |
| Net loans and leases to core deposits | 108.3911% | 3,566 |
| Total domestic deposits to total assets | 77.7878% | 6,135 |
| Equity capital to assets | 14.0168% | 1,308 |
| Core capital (leverage) ratio | 14.7570% | 967 |
| Tier 1 risk-based capital ratio | 15.9256% | 2,650 |
| Total risk-based capital ratio | 17.1801% | 2,594 |
| Memoranda: | ||
| Average total assets | $189,362,670 | 3,344 |
| Average earning assets | $183,081,000 | 3,227 |
| Average equity | $27,584,330 | 2,430 |
| Average total loans | $161,952,330 | 2,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3468% | 5,676 |
| Cost of funding earning assets | 0.6998% | 7,992 |
| Net interest margin | 4.6470% | 872 |
| Noninterest income to average assets | 1.2005% | 1,002 |
| Noninterest expense to average assets | 6.1793% | 276 |
| Loan and lease loss provision to assets | 0.5324% | 2,341 |
| Net operating income to assets | -1.0173% | 7,265 |
| Return on assets (ROA) | -1.2803% | 7,421 |
| Pretax return on assets | -1.2803% | 7,288 |
| Return on Equity (ROE) | -8.6162% | 7,277 |
| Retained earnings to average equity (ytd only) | -8.6162% | 6,972 |
| Net charge-offs to loans | 0.3785% | 2,580 |
| Credit loss provision to net charge-offs | 164.6667% | 2,594 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 5,427 |
| Efficiency ratio | 107.1915% | 893 |
| Assets per employee ($millions) | 1.1359% | 8,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 2,216 |
| Loan loss allowance to noncurrent loans | 24.3203% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 7.3729% | 439 |
| Noncurrent loans to loans | 6.8985% | 594 |
| Net loans and leases to total assets | 84.3836% | 633 |
| Net loans and leases to deposits | 153.4109% | 60 |
| Net loans and leases to core deposits | 153.4109% | 614 |
| Total domestic deposits to total assets | 55.0050% | 8,058 |
| Equity capital to assets | 14.1436% | 1,319 |
| Core capital (leverage) ratio | 15.7658% | 817 |
| Tier 1 risk-based capital ratio | 15.8724% | 2,733 |
| Total risk-based capital ratio | 17.1267% | 2,675 |
| Memoranda: | ||
| Average total assets | $185,587,000 | 3,415 |
| Average earning assets | $179,471,000 | 3,285 |
| Average equity | $27,576,000 | 2,448 |
| Average total loans | $158,507,000 | 2,872 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7973% | 1,684 |
| Cost of funding earning assets | 2.1649% | 5,759 |
| Net interest margin | 4.6324% | 1,090 |
| Noninterest income to average assets | 0.5824% | 3,987 |
| Noninterest expense to average assets | 6.9998% | 281 |
| Loan and lease loss provision to assets | 1.7843% | 706 |
| Net operating income to assets | -3.7045% | 7,944 |
| Return on assets (ROA) | -3.7045% | 7,921 |
| Pretax return on assets | -3.7045% | 7,844 |
| Return on Equity (ROE) | -17.3966% | 7,682 |
| Retained earnings to average equity (ytd only) | -17.3966% | 7,589 |
| Net charge-offs to loans | 0.4764% | 2,451 |
| Credit loss provision to net charge-offs | 428.6195% | 1,021 |
| Earnings coverage of net charge-offs (x) | -4.6128% | 6,823 |
| Efficiency ratio | 137.8035% | 414 |
| Assets per employee ($millions) | 1.4453% | 8,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7515% | 1,758 |
| Loan loss allowance to noncurrent loans | 102.6954% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 3.2793% | 1,378 |
| Noncurrent loans to loans | 1.7055% | 3,216 |
| Net loans and leases to total assets | 83.4757% | 965 |
| Net loans and leases to deposits | 99.6171% | 1,885 |
| Net loans and leases to core deposits | 99.6171% | 4,860 |
| Total domestic deposits to total assets | 83.7966% | 3,430 |
| Equity capital to assets | 15.6248% | 1,019 |
| Core capital (leverage) ratio | 16.9326% | 706 |
| Tier 1 risk-based capital ratio | 17.7714% | 2,094 |
| Total risk-based capital ratio | 19.0268% | 2,036 |
| Memoranda: | ||
| Average total assets | $142,689,600 | 4,031 |
| Average earning assets | $138,525,600 | 3,878 |
| Average equity | $30,385,200 | 2,228 |
| Average total loans | $124,687,000 | 3,357 |