Home > Regal Bank & Trust > Performance and Condition Ratios
Regal Bank & Trust, Performance and Condition Ratios
| 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 | 4.6460% | 1,218 |
| Cost of funding earning assets | 0.7568% | 625 |
| Net interest margin | 3.8892% | 2,071 |
| Noninterest income to average assets | 0.1929% | 5,503 |
| Noninterest expense to average assets | 3.6996% | 974 |
| Loan and lease loss provision to assets | 0.0098% | 4,074 |
| Net operating income to assets | 0.0959% | 5,850 |
| Return on assets (ROA) | 0.0959% | 5,889 |
| Pretax return on assets | 0.0959% | 5,891 |
| Return on Equity (ROE) | 0.9895% | 5,858 |
| Retained earnings to average equity (ytd only) | 0.9895% | 5,318 |
| Net charge-offs to loans | -0.0920% | 5,753 |
| Credit loss provision to net charge-offs | -14.7059% | 4,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2215% | 383 |
| Assets per employee ($millions) | 4.1113% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,710 |
| Loan loss allowance to noncurrent loans | 255.3611% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.9324% | 2,530 |
| Noncurrent loans to loans | 0.4662% | 3,958 |
| Net loans and leases to total assets | 71.3886% | 2,157 |
| Net loans and leases to deposits | 92.7526% | 1,335 |
| Net loans and leases to core deposits | 108.1224% | 972 |
| Total domestic deposits to total assets | 76.9667% | 5,343 |
| Equity capital to assets | 9.6836% | 4,538 |
| Core capital (leverage) ratio | 9.9608% | 3,690 |
| Tier 1 risk-based capital ratio | 13.5284% | 4,127 |
| Total risk-based capital ratio | 14.7322% | 4,077 |
| Memoranda: | ||
| Average total assets | $136,189,750 | 3,822 |
| Average earning assets | $126,500,000 | 3,802 |
| Average equity | $13,204,250 | 4,140 |
| Average total loans | $98,501,000 | 3,441 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 1,037 |
| Cost of funding earning assets | 0.7721% | 577 |
| Net interest margin | 3.9443% | 1,835 |
| Noninterest income to average assets | 0.2053% | 5,455 |
| Noninterest expense to average assets | 3.6623% | 1,035 |
| Loan and lease loss provision to assets | 0.0147% | 3,831 |
| Net operating income to assets | 0.1921% | 5,712 |
| Return on assets (ROA) | 0.1921% | 5,776 |
| Pretax return on assets | 0.1921% | 5,826 |
| Return on Equity (ROE) | 1.9809% | 5,685 |
| Retained earnings to average equity (ytd only) | 1.9809% | 4,713 |
| Net charge-offs to loans | -0.1399% | 5,910 |
| Credit loss provision to net charge-offs | -14.4928% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6550% | 494 |
| Assets per employee ($millions) | 4.0452% | 3,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,774 |
| Loan loss allowance to noncurrent loans | 210.0719% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 1.0398% | 2,429 |
| Noncurrent loans to loans | 0.5725% | 3,734 |
| Net loans and leases to total assets | 71.8725% | 2,006 |
| Net loans and leases to deposits | 89.6597% | 1,641 |
| Net loans and leases to core deposits | 103.9931% | 1,188 |
| Total domestic deposits to total assets | 80.1614% | 4,826 |
| Equity capital to assets | 9.6950% | 4,404 |
| Core capital (leverage) ratio | 9.8496% | 3,806 |
| Tier 1 risk-based capital ratio | 13.6699% | 4,115 |
| Total risk-based capital ratio | 14.8828% | 4,068 |
| Memoranda: | ||
| Average total assets | $136,362,000 | 3,847 |
| Average earning assets | $126,663,670 | 3,828 |
| Average equity | $13,226,330 | 4,164 |
| Average total loans | $98,660,670 | 3,461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,123 |
| Cost of funding earning assets | 0.7647% | 604 |
| Net interest margin | 3.8862% | 1,942 |
| Noninterest income to average assets | 0.3106% | 4,703 |
| Noninterest expense to average assets | 3.7388% | 953 |
| Loan and lease loss provision to assets | 0.0290% | 3,301 |
| Net operating income to assets | 0.1074% | 5,859 |
| Return on assets (ROA) | 0.1074% | 5,918 |
| Pretax return on assets | 0.1568% | 5,887 |
| Return on Equity (ROE) | 1.1071% | 5,890 |
| Retained earnings to average equity (ytd only) | 1.1071% | 5,038 |
| Net charge-offs to loans | -0.0161% | 4,945 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2663% | 533 |
| Assets per employee ($millions) | 4.0866% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 4,444 |
| Loan loss allowance to noncurrent loans | 107.4002% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3926% | 1,906 |
| Noncurrent loans to loans | 1.0359% | 2,695 |
| Net loans and leases to total assets | 70.5605% | 2,062 |
| Net loans and leases to deposits | 87.5397% | 1,668 |
| Net loans and leases to core deposits | 102.1324% | 1,171 |
| Total domestic deposits to total assets | 80.6040% | 4,914 |
| Equity capital to assets | 9.6923% | 4,520 |
| Core capital (leverage) ratio | 9.8603% | 3,807 |
| Tier 1 risk-based capital ratio | 14.0767% | 3,958 |
| Total risk-based capital ratio | 15.2361% | 3,947 |
| Memoranda: | ||
| Average total assets | $137,797,000 | 3,842 |
| Average earning assets | $128,147,000 | 3,826 |
| Average equity | $13,368,500 | 4,176 |
| Average total loans | $99,435,000 | 3,462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 1,214 |
| Cost of funding earning assets | 0.8482% | 511 |
| Net interest margin | 3.8947% | 2,264 |
| Noninterest income to average assets | 0.3327% | 4,726 |
| Noninterest expense to average assets | 3.6182% | 1,267 |
| Loan and lease loss provision to assets | -0.0981% | 6,145 |
| Net operating income to assets | 0.0306% | 6,056 |
| Return on assets (ROA) | 0.0306% | 6,076 |
| Pretax return on assets | 0.3775% | 5,542 |
| Return on Equity (ROE) | 0.3311% | 6,065 |
| Retained earnings to average equity (ytd only) | 0.3311% | 5,626 |
| Net charge-offs to loans | 0.0410% | 4,005 |
| Credit loss provision to net charge-offs | -336.5854% | 5,717 |
| Earnings coverage of net charge-offs (x) | 9.5854% | 2,728 |
| Efficiency ratio | 92.8311% | 657 |
| Assets per employee ($millions) | 4.0191% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,576 |
| Loan loss allowance to noncurrent loans | 83.5764% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4248% | 1,938 |
| Noncurrent loans to loans | 1.3066% | 2,262 |
| Net loans and leases to total assets | 72.1833% | 1,880 |
| Net loans and leases to deposits | 92.1161% | 1,275 |
| Net loans and leases to core deposits | 103.7891% | 1,139 |
| Total domestic deposits to total assets | 78.3612% | 5,367 |
| Equity capital to assets | 9.7111% | 4,453 |
| Core capital (leverage) ratio | 9.7829% | 3,855 |
| Tier 1 risk-based capital ratio | 14.0091% | 4,087 |
| Total risk-based capital ratio | 15.1492% | 4,102 |
| Memoranda: | ||
| Average total assets | $140,649,600 | 3,790 |
| Average earning assets | $128,738,400 | 3,793 |
| Average equity | $12,987,000 | 4,201 |
| Average total loans | $100,063,200 | 3,419 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 1,261 |
| Cost of funding earning assets | 0.8587% | 521 |
| Net interest margin | 3.8633% | 2,379 |
| Noninterest income to average assets | 0.3972% | 4,262 |
| Noninterest expense to average assets | 3.6050% | 1,287 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3153% | 5,537 |
| Return on assets (ROA) | 0.3153% | 5,612 |
| Pretax return on assets | 0.3153% | 5,748 |
| Return on Equity (ROE) | 3.4581% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.4581% | 4,168 |
| Net charge-offs to loans | -0.0652% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9568% | 716 |
| Assets per employee ($millions) | 3.9901% | 3,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 3,598 |
| Loan loss allowance to noncurrent loans | 75.4728% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.0343% | 1,398 |
| Noncurrent loans to loans | 1.7354% | 1,865 |
| Net loans and leases to total assets | 71.0578% | 2,016 |
| Net loans and leases to deposits | 89.8217% | 1,443 |
| Net loans and leases to core deposits | 102.5335% | 1,186 |
| Total domestic deposits to total assets | 79.1098% | 5,303 |
| Equity capital to assets | 9.5293% | 4,762 |
| Core capital (leverage) ratio | 9.9167% | 3,792 |
| Tier 1 risk-based capital ratio | 14.1431% | 4,110 |
| Total risk-based capital ratio | 15.3928% | 4,046 |
| Memoranda: | ||
| Average total assets | $141,650,000 | 3,794 |
| Average earning assets | $129,178,000 | 3,802 |
| Average equity | $12,916,250 | 4,239 |
| Average total loans | $100,147,500 | 3,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,412 |
| Cost of funding earning assets | 0.8648% | 515 |
| Net interest margin | 3.7796% | 2,637 |
| Noninterest income to average assets | 0.4834% | 3,606 |
| Noninterest expense to average assets | 3.6454% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2712% | 5,664 |
| Return on assets (ROA) | 0.2712% | 5,737 |
| Pretax return on assets | 0.2712% | 5,837 |
| Return on Equity (ROE) | 3.0190% | 5,525 |
| Retained earnings to average equity (ytd only) | 3.0190% | 4,287 |
| Net charge-offs to loans | -0.1160% | 6,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0750% | 689 |
| Assets per employee ($millions) | 3.9339% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3117% | 3,795 |
| Loan loss allowance to noncurrent loans | 85.2185% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.7256% | 965 |
| Noncurrent loans to loans | 1.5392% | 2,253 |
| Net loans and leases to total assets | 70.4465% | 2,010 |
| Net loans and leases to deposits | 89.1071% | 1,466 |
| Net loans and leases to core deposits | 100.4127% | 1,247 |
| Total domestic deposits to total assets | 79.0582% | 5,442 |
| Equity capital to assets | 9.3298% | 4,950 |
| Core capital (leverage) ratio | 9.7855% | 3,909 |
| Tier 1 risk-based capital ratio | 13.7887% | 4,398 |
| Total risk-based capital ratio | 15.0405% | 4,344 |
| Memoranda: | ||
| Average total assets | $142,315,330 | 3,812 |
| Average earning assets | $129,272,000 | 3,825 |
| Average equity | $12,785,670 | 4,271 |
| Average total loans | $100,012,670 | 3,456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,431 |
| Cost of funding earning assets | 0.8679% | 532 |
| Net interest margin | 3.7600% | 2,637 |
| Noninterest income to average assets | 0.2103% | 5,669 |
| Noninterest expense to average assets | 3.5524% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0589% | 6,107 |
| Return on assets (ROA) | 0.0589% | 6,131 |
| Pretax return on assets | 0.0589% | 6,143 |
| Return on Equity (ROE) | 0.6682% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.6682% | 5,326 |
| Net charge-offs to loans | -0.1528% | 6,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3696% | 532 |
| Assets per employee ($millions) | 4.0671% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,002 |
| Loan loss allowance to noncurrent loans | 55.6930% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 4.0008% | 588 |
| Noncurrent loans to loans | 2.3731% | 1,483 |
| Net loans and leases to total assets | 68.5011% | 2,145 |
| Net loans and leases to deposits | 85.4781% | 1,664 |
| Net loans and leases to core deposits | 96.0784% | 1,377 |
| Total domestic deposits to total assets | 80.1388% | 5,458 |
| Equity capital to assets | 8.9457% | 5,173 |
| Core capital (leverage) ratio | 9.5118% | 4,263 |
| Tier 1 risk-based capital ratio | 13.5841% | 4,614 |
| Total risk-based capital ratio | 14.8341% | 4,572 |
| Memoranda: | ||
| Average total assets | $142,662,500 | 3,836 |
| Average earning assets | $129,043,500 | 3,859 |
| Average equity | $12,572,000 | 4,327 |
| Average total loans | $99,472,500 | 3,482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 1,659 |
| Cost of funding earning assets | 0.9473% | 586 |
| Net interest margin | 3.7219% | 2,970 |
| Noninterest income to average assets | 0.2505% | 5,552 |
| Noninterest expense to average assets | 3.5445% | 1,559 |
| Loan and lease loss provision to assets | -0.2701% | 6,657 |
| Net operating income to assets | 0.3204% | 5,453 |
| Return on assets (ROA) | 0.3079% | 5,590 |
| Pretax return on assets | 0.3167% | 5,684 |
| Return on Equity (ROE) | 3.6017% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.6017% | 3,660 |
| Net charge-offs to loans | 0.1515% | 3,288 |
| Credit loss provision to net charge-offs | -268.4564% | 6,035 |
| Earnings coverage of net charge-offs (x) | 0.5906% | 4,887 |
| Efficiency ratio | 98.3511% | 534 |
| Assets per employee ($millions) | 4.0851% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,315 |
| Loan loss allowance to noncurrent loans | 53.5473% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 4.0013% | 665 |
| Noncurrent loans to loans | 2.3649% | 1,626 |
| Net loans and leases to total assets | 69.1447% | 2,150 |
| Net loans and leases to deposits | 86.0005% | 1,686 |
| Net loans and leases to core deposits | 98.0258% | 1,300 |
| Total domestic deposits to total assets | 80.4003% | 5,347 |
| Equity capital to assets | 8.6797% | 5,396 |
| Core capital (leverage) ratio | 9.2724% | 4,600 |
| Tier 1 risk-based capital ratio | 13.3569% | 4,743 |
| Total risk-based capital ratio | 14.6055% | 4,688 |
| Memoranda: | ||
| Average total assets | $148,087,800 | 3,738 |
| Average earning assets | $133,426,800 | 3,767 |
| Average equity | $12,660,800 | 4,321 |
| Average total loans | $98,352,400 | 3,490 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6369% | 1,780 |
| Cost of funding earning assets | 0.9595% | 607 |
| Net interest margin | 3.6774% | 3,122 |
| Noninterest income to average assets | 0.3937% | 4,577 |
| Noninterest expense to average assets | 3.5349% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1705% | 5,983 |
| Return on assets (ROA) | 0.1535% | 6,096 |
| Pretax return on assets | 0.1535% | 6,125 |
| Return on Equity (ROE) | 1.8024% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.8024% | 5,237 |
| Net charge-offs to loans | -0.1961% | 6,647 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3987% | 655 |
| Assets per employee ($millions) | 4.2619% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0478% | 1,618 |
| Loan loss allowance to noncurrent loans | 103.9216% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 4.9287% | 569 |
| Noncurrent loans to loans | 1.9705% | 2,286 |
| Net loans and leases to total assets | 62.8830% | 3,187 |
| Net loans and leases to deposits | 77.3487% | 2,768 |
| Net loans and leases to core deposits | 89.1101% | 2,064 |
| Total domestic deposits to total assets | 81.2980% | 5,138 |
| Equity capital to assets | 8.2552% | 5,950 |
| Core capital (leverage) ratio | 9.1320% | 4,920 |
| Tier 1 risk-based capital ratio | 13.3686% | 4,862 |
| Total risk-based capital ratio | 14.6269% | 4,789 |
| Memoranda: | ||
| Average total assets | $149,365,500 | 3,756 |
| Average earning assets | $134,511,500 | 3,783 |
| Average equity | $12,723,500 | 4,364 |
| Average total loans | $97,908,250 | 3,527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 2,015 |
| Cost of funding earning assets | 0.9683% | 649 |
| Net interest margin | 3.5871% | 3,419 |
| Noninterest income to average assets | 0.5769% | 3,339 |
| Noninterest expense to average assets | 3.5361% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2784% | 5,672 |
| Return on assets (ROA) | 0.2530% | 5,897 |
| Pretax return on assets | 0.2530% | 5,996 |
| Return on Equity (ROE) | 2.9393% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.9393% | 4,443 |
| Net charge-offs to loans | 0.4259% | 1,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.9905% | 4,200 |
| Efficiency ratio | 92.7018% | 843 |
| Assets per employee ($millions) | 4.1167% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 2,847 |
| Loan loss allowance to noncurrent loans | 55.2613% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 5.2525% | 562 |
| Noncurrent loans to loans | 3.0442% | 1,458 |
| Net loans and leases to total assets | 65.1835% | 2,733 |
| Net loans and leases to deposits | 77.5312% | 2,636 |
| Net loans and leases to core deposits | 89.5396% | 1,951 |
| Total domestic deposits to total assets | 84.0739% | 4,285 |
| Equity capital to assets | 8.6012% | 5,666 |
| Core capital (leverage) ratio | 8.9084% | 5,132 |
| Tier 1 risk-based capital ratio | 13.4348% | 4,817 |
| Total risk-based capital ratio | 14.6886% | 4,772 |
| Memoranda: | ||
| Average total assets | $149,432,000 | 3,787 |
| Average earning assets | $134,871,330 | 3,807 |
| Average equity | $12,860,000 | 4,364 |
| Average total loans | $98,624,000 | 3,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5741% | 1,912 |
| Cost of funding earning assets | 0.9706% | 702 |
| Net interest margin | 3.6035% | 3,246 |
| Noninterest income to average assets | 0.2551% | 5,632 |
| Noninterest expense to average assets | 3.5896% | 1,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0736% | 6,416 |
| Return on assets (ROA) | -0.1236% | 6,514 |
| Pretax return on assets | -0.1236% | 6,502 |
| Return on Equity (ROE) | -1.4358% | 6,529 |
| Retained earnings to average equity (ytd only) | -1.4358% | 6,007 |
| Net charge-offs to loans | 0.4912% | 1,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.2276% | 3,878 |
| Efficiency ratio | 102.0942% | 481 |
| Assets per employee ($millions) | 4.4295% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 3,125 |
| Loan loss allowance to noncurrent loans | 51.7252% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 5.1864% | 684 |
| Noncurrent loans to loans | 3.2322% | 1,514 |
| Net loans and leases to total assets | 66.1536% | 2,349 |
| Net loans and leases to deposits | 79.2664% | 2,175 |
| Net loans and leases to core deposits | 92.7861% | 1,431 |
| Total domestic deposits to total assets | 83.4573% | 4,689 |
| Equity capital to assets | 8.5522% | 5,966 |
| Core capital (leverage) ratio | 8.6154% | 5,435 |
| Tier 1 risk-based capital ratio | 12.6475% | 5,475 |
| Total risk-based capital ratio | 13.9026% | 5,427 |
| Memoranda: | ||
| Average total assets | $152,106,000 | 3,772 |
| Average earning assets | $137,643,500 | 3,800 |
| Average equity | $13,093,500 | 4,365 |
| Average total loans | $100,173,000 | 3,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 2,618 |
| Cost of funding earning assets | 1.1464% | 748 |
| Net interest margin | 3.5486% | 4,307 |
| Noninterest income to average assets | 0.1348% | 6,365 |
| Noninterest expense to average assets | 3.3696% | 2,131 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0118% | 6,186 |
| Return on assets (ROA) | 0.5298% | 4,831 |
| Pretax return on assets | 0.6530% | 4,816 |
| Return on Equity (ROE) | 7.0685% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.0685% | 1,532 |
| Net charge-offs to loans | 0.8956% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0287% | 5,499 |
| Efficiency ratio | 100.4677% | 548 |
| Assets per employee ($millions) | 4.2669% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8349% | 2,481 |
| Loan loss allowance to noncurrent loans | 42.3543% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 5.7829% | 620 |
| Noncurrent loans to loans | 4.3324% | 1,013 |
| Net loans and leases to total assets | 63.2812% | 3,010 |
| Net loans and leases to deposits | 75.7940% | 2,827 |
| Net loans and leases to core deposits | 90.5125% | 1,781 |
| Total domestic deposits to total assets | 83.4911% | 4,539 |
| Equity capital to assets | 8.6630% | 5,892 |
| Core capital (leverage) ratio | 8.2241% | 5,974 |
| Tier 1 risk-based capital ratio | 12.6767% | 5,342 |
| Total risk-based capital ratio | 13.9331% | 5,280 |
| Memoranda: | ||
| Average total assets | $172,126,400 | 3,420 |
| Average earning assets | $156,147,000 | 3,444 |
| Average equity | $12,902,400 | 4,380 |
| Average total loans | $105,073,800 | 3,393 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6416% | 3,052 |
| Cost of funding earning assets | 1.1749% | 780 |
| Net interest margin | 3.4667% | 4,774 |
| Noninterest income to average assets | 0.3289% | 5,166 |
| Noninterest expense to average assets | 3.2858% | 2,308 |
| Loan and lease loss provision to assets | 0.3606% | 1,799 |
| Net operating income to assets | -0.1705% | 6,476 |
| Return on assets (ROA) | 0.3221% | 5,741 |
| Pretax return on assets | 0.3221% | 5,914 |
| Return on Equity (ROE) | 4.4474% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.4474% | 3,766 |
| Net charge-offs to loans | 1.1909% | 827 |
| Credit loss provision to net charge-offs | 50.2101% | 4,395 |
| Earnings coverage of net charge-offs (x) | 0.2647% | 5,195 |
| Efficiency ratio | 94.5313% | 744 |
| Assets per employee ($millions) | 4.9129% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2396% | 1,630 |
| Loan loss allowance to noncurrent loans | 48.7826% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 5.8388% | 706 |
| Noncurrent loans to loans | 4.5910% | 1,020 |
| Net loans and leases to total assets | 57.9798% | 4,136 |
| Net loans and leases to deposits | 70.3982% | 3,844 |
| Net loans and leases to core deposits | 84.1000% | 2,678 |
| Total domestic deposits to total assets | 82.3597% | 4,891 |
| Equity capital to assets | 7.7637% | 6,687 |
| Core capital (leverage) ratio | 7.4847% | 6,630 |
| Tier 1 risk-based capital ratio | 11.7369% | 6,087 |
| Total risk-based capital ratio | 12.9973% | 6,062 |
| Memoranda: | ||
| Average total assets | $176,756,000 | 3,399 |
| Average earning assets | $160,458,250 | 3,410 |
| Average equity | $12,801,250 | 4,444 |
| Average total loans | $106,586,750 | 3,401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 2,762 |
| Cost of funding earning assets | 1.2064% | 791 |
| Net interest margin | 3.5327% | 4,543 |
| Noninterest income to average assets | 0.5416% | 3,643 |
| Noninterest expense to average assets | 3.3618% | 2,121 |
| Loan and lease loss provision to assets | 0.5360% | 1,157 |
| Net operating income to assets | -0.1547% | 6,495 |
| Return on assets (ROA) | 0.3039% | 5,810 |
| Pretax return on assets | 0.3039% | 5,960 |
| Return on Equity (ROE) | 4.2953% | 5,133 |
| Retained earnings to average equity (ytd only) | 4.2953% | 3,753 |
| Net charge-offs to loans | 0.7954% | 1,385 |
| Credit loss provision to net charge-offs | 111.1628% | 2,443 |
| Earnings coverage of net charge-offs (x) | 0.7907% | 4,659 |
| Efficiency ratio | 89.8143% | 1,083 |
| Assets per employee ($millions) | 5.1209% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 1,019 |
| Loan loss allowance to noncurrent loans | 53.0736% | 4,951 |
| Noncurrent assets plus other real estate owned to assets | 6.3264% | 657 |
| Noncurrent loans to loans | 5.1133% | 945 |
| Net loans and leases to total assets | 57.7737% | 4,206 |
| Net loans and leases to deposits | 72.1999% | 3,585 |
| Net loans and leases to core deposits | 86.3212% | 2,386 |
| Total domestic deposits to total assets | 80.0192% | 5,736 |
| Equity capital to assets | 7.3481% | 6,837 |
| Core capital (leverage) ratio | 7.1773% | 6,761 |
| Tier 1 risk-based capital ratio | 11.8040% | 6,054 |
| Total risk-based capital ratio | 13.0712% | 6,015 |
| Memoranda: | ||
| Average total assets | $178,357,000 | 3,379 |
| Average earning assets | $161,633,000 | 3,391 |
| Average equity | $12,618,330 | 4,476 |
| Average total loans | $108,121,670 | 3,377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7036% | 3,040 |
| Cost of funding earning assets | 1.2365% | 821 |
| Net interest margin | 3.4671% | 4,838 |
| Noninterest income to average assets | 1.2234% | 958 |
| Noninterest expense to average assets | 3.1959% | 2,611 |
| Loan and lease loss provision to assets | 0.7491% | 678 |
| Net operating income to assets | 0.4167% | 5,188 |
| Return on assets (ROA) | 0.8932% | 3,172 |
| Pretax return on assets | 0.8932% | 4,051 |
| Return on Equity (ROE) | 12.8646% | 1,444 |
| Retained earnings to average equity (ytd only) | 12.8646% | 704 |
| Net charge-offs to loans | 1.0861% | 947 |
| Credit loss provision to net charge-offs | 112.6667% | 2,096 |
| Earnings coverage of net charge-offs (x) | 1.7533% | 3,464 |
| Efficiency ratio | 73.2724% | 3,206 |
| Assets per employee ($millions) | 4.9022% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4810% | 1,386 |
| Loan loss allowance to noncurrent loans | 26.9312% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 9.5478% | 333 |
| Noncurrent loans to loans | 9.2125% | 357 |
| Net loans and leases to total assets | 62.2728% | 3,202 |
| Net loans and leases to deposits | 77.3506% | 2,619 |
| Net loans and leases to core deposits | 93.6802% | 1,491 |
| Total domestic deposits to total assets | 80.5071% | 5,721 |
| Equity capital to assets | 7.1255% | 6,903 |
| Core capital (leverage) ratio | 7.0723% | 6,813 |
| Tier 1 risk-based capital ratio | 11.0637% | 6,508 |
| Total risk-based capital ratio | 12.3286% | 6,487 |
| Memoranda: | ||
| Average total assets | $180,479,500 | 3,370 |
| Average earning assets | $163,362,500 | 3,382 |
| Average equity | $12,530,500 | 4,502 |
| Average total loans | $110,484,000 | 3,344 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9498% | 3,107 |
| Cost of funding earning assets | 1.4140% | 978 |
| Net interest margin | 3.5357% | 4,998 |
| Noninterest income to average assets | -0.6773% | 7,290 |
| Noninterest expense to average assets | 3.1510% | 3,021 |
| Loan and lease loss provision to assets | 1.9906% | 301 |
| Net operating income to assets | -2.6409% | 7,132 |
| Return on assets (ROA) | -1.4397% | 6,914 |
| Pretax return on assets | -1.4397% | 6,883 |
| Return on Equity (ROE) | -19.0166% | 6,973 |
| Retained earnings to average equity (ytd only) | -19.0166% | 6,958 |
| Net charge-offs to loans | 3.0978% | 295 |
| Credit loss provision to net charge-offs | 107.3525% | 3,148 |
| Earnings coverage of net charge-offs (x) | -0.3507% | 6,025 |
| Efficiency ratio | 126.0057% | 259 |
| Assets per employee ($millions) | 5.1244% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5473% | 1,251 |
| Loan loss allowance to noncurrent loans | 48.0320% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 6.6024% | 709 |
| Noncurrent loans to loans | 5.3033% | 1,021 |
| Net loans and leases to total assets | 57.1962% | 4,514 |
| Net loans and leases to deposits | 71.3378% | 3,897 |
| Net loans and leases to core deposits | 87.2667% | 2,465 |
| Total domestic deposits to total assets | 80.1766% | 5,692 |
| Equity capital to assets | 6.7683% | 7,017 |
| Core capital (leverage) ratio | 6.6363% | 6,954 |
| Tier 1 risk-based capital ratio | 10.7841% | 6,565 |
| Total risk-based capital ratio | 12.0487% | 6,541 |
| Memoranda: | ||
| Average total assets | $181,908,400 | 3,305 |
| Average earning assets | $163,502,200 | 3,339 |
| Average equity | $13,772,200 | 4,172 |
| Average total loans | $108,883,800 | 3,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0141% | 3,015 |
| Cost of funding earning assets | 1.4456% | 1,038 |
| Net interest margin | 3.5685% | 4,907 |
| Noninterest income to average assets | 0.1699% | 6,373 |
| Noninterest expense to average assets | 4.1088% | 886 |
| Loan and lease loss provision to assets | 2.3229% | 204 |
| Net operating income to assets | -3.0606% | 7,271 |
| Return on assets (ROA) | -1.8323% | 7,117 |
| Pretax return on assets | -1.8323% | 7,089 |
| Return on Equity (ROE) | -23.5654% | 7,149 |
| Retained earnings to average equity (ytd only) | -23.5654% | 7,138 |
| Net charge-offs to loans | 3.9545% | 176 |
| Credit loss provision to net charge-offs | 97.6500% | 3,506 |
| Earnings coverage of net charge-offs (x) | -0.3101% | 5,770 |
| Efficiency ratio | 121.8852% | 291 |
| Assets per employee ($millions) | 4.9198% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2492% | 1,783 |
| Loan loss allowance to noncurrent loans | 41.1079% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 6.9532% | 710 |
| Noncurrent loans to loans | 5.4714% | 1,086 |
| Net loans and leases to total assets | 58.1126% | 4,495 |
| Net loans and leases to deposits | 70.4623% | 4,228 |
| Net loans and leases to core deposits | 86.5995% | 2,698 |
| Total domestic deposits to total assets | 82.4733% | 4,892 |
| Equity capital to assets | 7.1241% | 7,028 |
| Core capital (leverage) ratio | 6.7310% | 7,026 |
| Tier 1 risk-based capital ratio | 10.8504% | 6,634 |
| Total risk-based capital ratio | 12.1113% | 6,603 |
| Memoranda: | ||
| Average total assets | $181,265,750 | 3,328 |
| Average earning assets | $162,604,500 | 3,372 |
| Average equity | $14,093,750 | 4,106 |
| Average total loans | $109,036,500 | 3,433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1033% | 2,669 |
| Cost of funding earning assets | 1.4652% | 1,141 |
| Net interest margin | 3.6382% | 4,571 |
| Noninterest income to average assets | 0.2144% | 6,136 |
| Noninterest expense to average assets | 3.8031% | 1,340 |
| Loan and lease loss provision to assets | 1.6717% | 410 |
| Net operating income to assets | -2.0065% | 7,191 |
| Return on assets (ROA) | -1.3159% | 7,050 |
| Pretax return on assets | -1.3159% | 7,003 |
| Return on Equity (ROE) | -16.4628% | 7,097 |
| Retained earnings to average equity (ytd only) | -16.4628% | 7,074 |
| Net charge-offs to loans | 2.6365% | 425 |
| Credit loss provision to net charge-offs | 104.9965% | 2,937 |
| Earnings coverage of net charge-offs (x) | -0.2103% | 5,413 |
| Efficiency ratio | 109.6528% | 481 |
| Assets per employee ($millions) | 5.1441% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4104% | 1,572 |
| Loan loss allowance to noncurrent loans | 32.4617% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 8.5918% | 504 |
| Noncurrent loans to loans | 7.4252% | 650 |
| Net loans and leases to total assets | 56.4499% | 4,912 |
| Net loans and leases to deposits | 68.6582% | 4,607 |
| Net loans and leases to core deposits | 84.2425% | 3,174 |
| Total domestic deposits to total assets | 82.2187% | 5,090 |
| Equity capital to assets | 7.4945% | 6,945 |
| Core capital (leverage) ratio | 7.5230% | 6,727 |
| Tier 1 risk-based capital ratio | 11.9534% | 5,819 |
| Total risk-based capital ratio | 13.2159% | 5,788 |
| Memoranda: | ||
| Average total assets | $181,010,670 | 3,354 |
| Average earning assets | $161,893,670 | 3,407 |
| Average equity | $14,469,000 | 4,019 |
| Average total loans | $109,309,670 | 3,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1665% | 2,368 |
| Cost of funding earning assets | 1.4926% | 1,198 |
| Net interest margin | 3.6739% | 4,233 |
| Noninterest income to average assets | 0.3018% | 5,506 |
| Noninterest expense to average assets | 3.8900% | 1,183 |
| Loan and lease loss provision to assets | 1.2877% | 536 |
| Net operating income to assets | -1.5962% | 7,220 |
| Return on assets (ROA) | -1.5962% | 7,221 |
| Pretax return on assets | -1.5962% | 7,191 |
| Return on Equity (ROE) | -19.3444% | 7,210 |
| Retained earnings to average equity (ytd only) | -19.3444% | 7,142 |
| Net charge-offs to loans | 2.1412% | 580 |
| Credit loss provision to net charge-offs | 97.4619% | 2,804 |
| Earnings coverage of net charge-offs (x) | -0.2335% | 4,712 |
| Efficiency ratio | 108.6142% | 528 |
| Assets per employee ($millions) | 5.0398% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3593% | 1,663 |
| Loan loss allowance to noncurrent loans | 30.7190% | 6,255 |
| Noncurrent assets plus other real estate owned to assets | 9.4950% | 447 |
| Noncurrent loans to loans | 7.6804% | 670 |
| Net loans and leases to total assets | 56.9108% | 4,818 |
| Net loans and leases to deposits | 68.2024% | 4,648 |
| Net loans and leases to core deposits | 81.0975% | 3,593 |
| Total domestic deposits to total assets | 83.4440% | 4,723 |
| Equity capital to assets | 7.8993% | 6,597 |
| Core capital (leverage) ratio | 7.9452% | 6,311 |
| Tier 1 risk-based capital ratio | 12.1051% | 5,596 |
| Total risk-based capital ratio | 13.3663% | 5,583 |
| Memoranda: | ||
| Average total assets | $178,921,500 | 3,397 |
| Average earning assets | $159,720,000 | 3,470 |
| Average equity | $14,764,000 | 3,948 |
| Average total loans | $110,404,000 | 3,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5671% | 2,019 |
| Cost of funding earning assets | 1.6685% | 1,736 |
| Net interest margin | 3.8987% | 3,498 |
| Noninterest income to average assets | 0.5301% | 3,953 |
| Noninterest expense to average assets | 3.4929% | 2,200 |
| Loan and lease loss provision to assets | 1.6466% | 868 |
| Net operating income to assets | -1.4680% | 6,902 |
| Return on assets (ROA) | -1.3501% | 6,876 |
| Pretax return on assets | -0.9896% | 6,637 |
| Return on Equity (ROE) | -14.0962% | 6,886 |
| Retained earnings to average equity (ytd only) | -14.0962% | 6,847 |
| Net charge-offs to loans | 2.8476% | 611 |
| Credit loss provision to net charge-offs | 84.8381% | 5,351 |
| Earnings coverage of net charge-offs (x) | 0.2777% | 5,831 |
| Efficiency ratio | 86.6308% | 1,608 |
| Assets per employee ($millions) | 5.0403% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,906 |
| Loan loss allowance to noncurrent loans | 21.9271% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 10.3413% | 385 |
| Noncurrent loans to loans | 9.9489% | 431 |
| Net loans and leases to total assets | 63.7991% | 3,916 |
| Net loans and leases to deposits | 77.3632% | 3,610 |
| Net loans and leases to core deposits | 92.3971% | 2,452 |
| Total domestic deposits to total assets | 82.4670% | 5,031 |
| Equity capital to assets | 8.6140% | 5,702 |
| Core capital (leverage) ratio | 8.2475% | 5,753 |
| Tier 1 risk-based capital ratio | 12.2042% | 5,293 |
| Total risk-based capital ratio | 13.4647% | 5,253 |
| Memoranda: | ||
| Average total assets | $179,766,800 | 3,380 |
| Average earning assets | $161,465,800 | 3,418 |
| Average equity | $17,217,400 | 3,549 |
| Average total loans | $122,522,400 | 3,266 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 2,118 |
| Cost of funding earning assets | 1.7117% | 1,809 |
| Net interest margin | 3.8746% | 3,641 |
| Noninterest income to average assets | 0.5227% | 4,006 |
| Noninterest expense to average assets | 3.2778% | 2,648 |
| Loan and lease loss provision to assets | 0.9937% | 1,497 |
| Net operating income to assets | -0.1467% | 6,243 |
| Return on assets (ROA) | -0.0465% | 6,206 |
| Pretax return on assets | -0.1130% | 6,234 |
| Return on Equity (ROE) | -0.4740% | 6,209 |
| Retained earnings to average equity (ytd only) | -0.4740% | 5,909 |
| Net charge-offs to loans | 2.5854% | 641 |
| Credit loss provision to net charge-offs | 55.8043% | 5,787 |
| Earnings coverage of net charge-offs (x) | 0.4067% | 5,616 |
| Efficiency ratio | 81.9037% | 2,069 |
| Assets per employee ($millions) | 5.1089% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 3,354 |
| Loan loss allowance to noncurrent loans | 19.3640% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 9.3568% | 460 |
| Noncurrent loans to loans | 8.4856% | 586 |
| Net loans and leases to total assets | 66.0480% | 3,679 |
| Net loans and leases to deposits | 81.6128% | 3,171 |
| Net loans and leases to core deposits | 96.6828% | 2,181 |
| Total domestic deposits to total assets | 80.9285% | 5,402 |
| Equity capital to assets | 10.3064% | 3,760 |
| Core capital (leverage) ratio | 9.3928% | 4,065 |
| Tier 1 risk-based capital ratio | 13.5377% | 4,172 |
| Total risk-based capital ratio | 14.7914% | 4,121 |
| Memoranda: | ||
| Average total assets | $180,606,000 | 3,413 |
| Average earning assets | $162,178,500 | 3,459 |
| Average equity | $17,722,750 | 3,520 |
| Average total loans | $124,388,500 | 3,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 2,066 |
| Cost of funding earning assets | 1.7606% | 1,814 |
| Net interest margin | 3.8582% | 3,642 |
| Noninterest income to average assets | 0.3951% | 4,947 |
| Noninterest expense to average assets | 3.3421% | 2,423 |
| Loan and lease loss provision to assets | 0.9558% | 1,534 |
| Net operating income to assets | -0.2502% | 6,410 |
| Return on assets (ROA) | -0.1004% | 6,303 |
| Pretax return on assets | -0.2053% | 6,341 |
| Return on Equity (ROE) | -1.0408% | 6,320 |
| Retained earnings to average equity (ytd only) | -1.0408% | 5,978 |
| Net charge-offs to loans | 3.0184% | 518 |
| Credit loss provision to net charge-offs | 45.6029% | 5,511 |
| Earnings coverage of net charge-offs (x) | 0.2464% | 5,483 |
| Efficiency ratio | 86.6133% | 1,640 |
| Assets per employee ($millions) | 4.8516% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,315 |
| Loan loss allowance to noncurrent loans | 15.3870% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 10.3292% | 377 |
| Noncurrent loans to loans | 10.5973% | 399 |
| Net loans and leases to total assets | 65.6411% | 3,914 |
| Net loans and leases to deposits | 80.2350% | 3,558 |
| Net loans and leases to core deposits | 97.4309% | 2,289 |
| Total domestic deposits to total assets | 81.8111% | 5,063 |
| Equity capital to assets | 9.6849% | 4,422 |
| Core capital (leverage) ratio | 9.4942% | 3,832 |
| Tier 1 risk-based capital ratio | 13.1073% | 4,356 |
| Total risk-based capital ratio | 14.3611% | 4,308 |
| Memoranda: | ||
| Average total assets | $181,204,330 | 3,425 |
| Average earning assets | $162,667,670 | 3,468 |
| Average equity | $17,487,330 | 3,548 |
| Average total loans | $125,826,670 | 3,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8436% | 1,338 |
| Cost of funding earning assets | 1.8525% | 1,648 |
| Net interest margin | 3.9910% | 2,907 |
| Noninterest income to average assets | 0.1447% | 6,941 |
| Noninterest expense to average assets | 3.1443% | 3,084 |
| Loan and lease loss provision to assets | 0.5411% | 2,339 |
| Net operating income to assets | 0.0579% | 6,136 |
| Return on assets (ROA) | 0.0579% | 6,247 |
| Pretax return on assets | 0.0334% | 6,295 |
| Return on Equity (ROE) | 0.6010% | 6,235 |
| Retained earnings to average equity (ytd only) | 0.6010% | 5,583 |
| Net charge-offs to loans | 2.1064% | 807 |
| Credit loss provision to net charge-offs | 36.2687% | 4,711 |
| Earnings coverage of net charge-offs (x) | 0.3851% | 4,694 |
| Efficiency ratio | 84.5509% | 1,975 |
| Assets per employee ($millions) | 4.9422% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0663% | 2,030 |
| Loan loss allowance to noncurrent loans | 26.0523% | 6,671 |
| Noncurrent assets plus other real estate owned to assets | 8.7295% | 523 |
| Noncurrent loans to loans | 7.9312% | 685 |
| Net loans and leases to total assets | 67.7013% | 3,465 |
| Net loans and leases to deposits | 82.7380% | 3,154 |
| Net loans and leases to core deposits | 101.6003% | 1,964 |
| Total domestic deposits to total assets | 81.8262% | 5,143 |
| Equity capital to assets | 9.5214% | 4,503 |
| Core capital (leverage) ratio | 9.7596% | 3,444 |
| Tier 1 risk-based capital ratio | 12.7707% | 4,510 |
| Total risk-based capital ratio | 14.0291% | 4,467 |
| Memoranda: | ||
| Average total assets | $179,626,500 | 3,506 |
| Average earning assets | $160,860,000 | 3,548 |
| Average equity | $17,303,500 | 3,602 |
| Average total loans | $127,229,000 | 3,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3534% | 928 |
| Cost of funding earning assets | 2.5683% | 855 |
| Net interest margin | 3.7851% | 3,774 |
| Noninterest income to average assets | 0.2951% | 6,002 |
| Noninterest expense to average assets | 3.5446% | 2,283 |
| Loan and lease loss provision to assets | 1.6712% | 1,372 |
| Net operating income to assets | -0.9093% | 6,518 |
| Return on assets (ROA) | -0.8171% | 6,449 |
| Pretax return on assets | -1.3373% | 6,618 |
| Return on Equity (ROE) | -7.5479% | 6,431 |
| Retained earnings to average equity (ytd only) | -7.5479% | 6,293 |
| Net charge-offs to loans | 1.3591% | 1,838 |
| Credit loss provision to net charge-offs | 158.9156% | 2,819 |
| Earnings coverage of net charge-offs (x) | 0.1805% | 5,974 |
| Efficiency ratio | 94.9158% | 1,354 |
| Assets per employee ($millions) | 4.7673% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3734% | 1,380 |
| Loan loss allowance to noncurrent loans | 37.0023% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 8.0134% | 561 |
| Noncurrent loans to loans | 6.4141% | 948 |
| Net loans and leases to total assets | 70.8693% | 3,039 |
| Net loans and leases to deposits | 87.0534% | 2,727 |
| Net loans and leases to core deposits | 105.5704% | 3,385 |
| Total domestic deposits to total assets | 81.4089% | 5,192 |
| Equity capital to assets | 9.7488% | 4,070 |
| Core capital (leverage) ratio | 10.0283% | 3,058 |
| Tier 1 risk-based capital ratio | 12.7477% | 4,326 |
| Total risk-based capital ratio | 14.0101% | 4,256 |
| Memoranda: | ||
| Average total assets | $170,118,200 | 3,610 |
| Average earning assets | $154,579,800 | 3,624 |
| Average equity | $18,415,800 | 3,439 |
| Average total loans | $131,627,800 | 3,236 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4460% | 845 |
| Cost of funding earning assets | 2.6813% | 834 |
| Net interest margin | 3.7646% | 3,802 |
| Noninterest income to average assets | 0.3844% | 5,442 |
| Noninterest expense to average assets | 3.4450% | 2,436 |
| Loan and lease loss provision to assets | 1.2578% | 1,531 |
| Net operating income to assets | -0.5196% | 6,447 |
| Return on assets (ROA) | -0.4224% | 6,343 |
| Pretax return on assets | -0.7301% | 6,506 |
| Return on Equity (ROE) | -3.8032% | 6,321 |
| Retained earnings to average equity (ytd only) | -3.8032% | 6,078 |
| Net charge-offs to loans | 1.2626% | 1,626 |
| Credit loss provision to net charge-offs | 126.6932% | 3,966 |
| Earnings coverage of net charge-offs (x) | 0.3785% | 5,644 |
| Efficiency ratio | 90.1656% | 1,675 |
| Assets per employee ($millions) | 4.5765% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 2,329 |
| Loan loss allowance to noncurrent loans | 31.0992% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 8.3028% | 501 |
| Noncurrent loans to loans | 5.7363% | 1,067 |
| Net loans and leases to total assets | 75.4319% | 2,115 |
| Net loans and leases to deposits | 94.4573% | 1,798 |
| Net loans and leases to core deposits | 117.9184% | 2,425 |
| Total domestic deposits to total assets | 79.8581% | 5,492 |
| Equity capital to assets | 10.8871% | 3,129 |
| Core capital (leverage) ratio | 10.9195% | 2,460 |
| Tier 1 risk-based capital ratio | 12.9677% | 4,212 |
| Total risk-based capital ratio | 14.2229% | 4,141 |
| Memoranda: | ||
| Average total assets | $168,550,000 | 3,652 |
| Average earning assets | $153,849,250 | 3,655 |
| Average equity | $18,720,750 | 3,414 |
| Average total loans | $132,523,250 | 3,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4317% | 937 |
| Cost of funding earning assets | 2.8104% | 762 |
| Net interest margin | 3.6212% | 4,277 |
| Noninterest income to average assets | 0.4492% | 4,852 |
| Noninterest expense to average assets | 3.4476% | 2,502 |
| Loan and lease loss provision to assets | 1.0648% | 1,604 |
| Net operating income to assets | -0.4255% | 6,468 |
| Return on assets (ROA) | -0.4255% | 6,481 |
| Pretax return on assets | -0.7404% | 6,640 |
| Return on Equity (ROE) | -3.8053% | 6,453 |
| Retained earnings to average equity (ytd only) | -3.8053% | 6,099 |
| Net charge-offs to loans | 0.5384% | 2,713 |
| Credit loss provision to net charge-offs | 249.5822% | 1,871 |
| Earnings coverage of net charge-offs (x) | 0.7604% | 4,973 |
| Efficiency ratio | 91.3989% | 1,687 |
| Assets per employee ($millions) | 4.4666% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8853% | 1,829 |
| Loan loss allowance to noncurrent loans | 25.6614% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 8.7096% | 400 |
| Noncurrent loans to loans | 7.3467% | 647 |
| Net loans and leases to total assets | 79.4197% | 1,429 |
| Net loans and leases to deposits | 100.2750% | 1,264 |
| Net loans and leases to core deposits | 123.8785% | 2,037 |
| Total domestic deposits to total assets | 79.2019% | 5,748 |
| Equity capital to assets | 11.2292% | 2,732 |
| Core capital (leverage) ratio | 10.9684% | 2,425 |
| Tier 1 risk-based capital ratio | 13.3030% | 3,934 |
| Total risk-based capital ratio | 14.5602% | 3,858 |
| Memoranda: | ||
| Average total assets | $168,290,330 | 3,672 |
| Average earning assets | $154,423,670 | 3,659 |
| Average equity | $18,816,000 | 3,422 |
| Average total loans | $133,348,330 | 3,280 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3964% | 1,070 |
| Cost of funding earning assets | 2.9670% | 654 |
| Net interest margin | 3.4294% | 5,014 |
| Noninterest income to average assets | 0.5300% | 4,059 |
| Noninterest expense to average assets | 3.1330% | 3,256 |
| Loan and lease loss provision to assets | 0.4005% | 2,918 |
| Net operating income to assets | 0.1036% | 5,971 |
| Return on assets (ROA) | 0.1036% | 6,136 |
| Pretax return on assets | 0.1413% | 6,074 |
| Return on Equity (ROE) | 0.9290% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.9290% | 5,278 |
| Net charge-offs to loans | 0.8593% | 1,520 |
| Credit loss provision to net charge-offs | 59.4406% | 4,526 |
| Earnings coverage of net charge-offs (x) | 0.8042% | 4,386 |
| Efficiency ratio | 85.2564% | 2,165 |
| Assets per employee ($millions) | 4.4811% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 3,468 |
| Loan loss allowance to noncurrent loans | 19.4364% | 7,198 |
| Noncurrent assets plus other real estate owned to assets | 8.0643% | 361 |
| Noncurrent loans to loans | 7.2313% | 537 |
| Net loans and leases to total assets | 76.9946% | 2,043 |
| Net loans and leases to deposits | 96.7930% | 1,825 |
| Net loans and leases to core deposits | 119.9239% | 2,420 |
| Total domestic deposits to total assets | 79.5457% | 5,527 |
| Equity capital to assets | 11.2067% | 2,803 |
| Core capital (leverage) ratio | 11.1869% | 2,349 |
| Tier 1 risk-based capital ratio | 13.5973% | 3,802 |
| Total risk-based capital ratio | 14.8488% | 3,723 |
| Memoranda: | ||
| Average total assets | $169,803,000 | 3,651 |
| Average earning assets | $155,711,500 | 3,652 |
| Average equity | $18,945,000 | 3,422 |
| Average total loans | $133,135,000 | 3,301 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2025% | 746 |
| Cost of funding earning assets | 3.4698% | 568 |
| Net interest margin | 3.7327% | 4,313 |
| Noninterest income to average assets | 0.1056% | 7,608 |
| Noninterest expense to average assets | 3.6660% | 2,015 |
| Loan and lease loss provision to assets | 0.6517% | 2,230 |
| Net operating income to assets | -0.4748% | 6,903 |
| Return on assets (ROA) | -0.4404% | 6,746 |
| Pretax return on assets | -0.7023% | 6,812 |
| Return on Equity (ROE) | -4.6356% | 6,825 |
| Retained earnings to average equity (ytd only) | -4.6356% | 6,447 |
| Net charge-offs to loans | 0.2355% | 3,893 |
| Credit loss provision to net charge-offs | 356.4189% | 1,250 |
| Earnings coverage of net charge-offs (x) | -0.5709% | 6,502 |
| Efficiency ratio | 102.9310% | 892 |
| Assets per employee ($millions) | 4.7034% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 2,749 |
| Loan loss allowance to noncurrent loans | 26.9921% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 6.5271% | 422 |
| Noncurrent loans to loans | 5.5172% | 731 |
| Net loans and leases to total assets | 77.5484% | 2,251 |
| Net loans and leases to deposits | 97.6275% | 2,179 |
| Net loans and leases to core deposits | 120.6509% | 2,627 |
| Total domestic deposits to total assets | 79.4329% | 5,230 |
| Equity capital to assets | 11.1071% | 2,956 |
| Core capital (leverage) ratio | 10.9108% | 2,661 |
| Tier 1 risk-based capital ratio | 13.5662% | 3,778 |
| Total risk-based capital ratio | 14.8186% | 3,684 |
| Memoranda: | ||
| Average total assets | $161,891,400 | 3,686 |
| Average earning assets | $149,892,800 | 3,659 |
| Average equity | $15,380,800 | 4,059 |
| Average total loans | $125,667,200 | 3,333 |