Home > Southport Bank > Performance and Condition Ratios
Southport Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5119% | 1,673 |
| Cost of funding earning assets | 0.5758% | 1,772 |
| Net interest margin | 3.9361% | 1,965 |
| Noninterest income to average assets | 0.5750% | 2,579 |
| Noninterest expense to average assets | 2.4540% | 3,928 |
| Loan and lease loss provision to assets | -0.3333% | 5,624 |
| Net operating income to assets | 1.0783% | 1,946 |
| Return on assets (ROA) | 1.0783% | 1,965 |
| Pretax return on assets | 2.1726% | 330 |
| Return on Equity (ROE) | 9.9523% | 1,901 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,082 |
| Net charge-offs to loans | 0.2115% | 1,232 |
| Credit loss provision to net charge-offs | -184.2105% | 4,781 |
| Earnings coverage of net charge-offs (x) | 10.1637% | 2,710 |
| Efficiency ratio | 57.1605% | 4,628 |
| Assets per employee ($millions) | 5.2446% | 2,206 |
| Cash dividends to net income (ytd only)* | 49.0677% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 2,354 |
| Loan loss allowance to noncurrent loans | 133.5063% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 1,942 |
| Noncurrent loans to loans | 0.9540% | 1,858 |
| Net loans and leases to total assets | 82.9823% | 564 |
| Net loans and leases to deposits | 98.9120% | 822 |
| Net loans and leases to core deposits | 101.7544% | 1,569 |
| Total domestic deposits to total assets | 83.8951% | 3,245 |
| Equity capital to assets | 10.7654% | 2,879 |
| Core capital (leverage) ratio | 10.5835% | 2,757 |
| Tier 1 risk-based capital ratio | 12.4100% | 4,259 |
| Total risk-based capital ratio | 13.6381% | 4,185 |
| Memoranda: | ||
| Average total assets | $283,491,600 | 2,268 |
| Average earning assets | $267,801,800 | 2,226 |
| Average equity | $30,716,400 | 2,313 |
| Average total loans | $242,589,600 | 1,863 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5079% | 1,619 |
| Cost of funding earning assets | 0.5563% | 1,841 |
| Net interest margin | 3.9517% | 1,856 |
| Noninterest income to average assets | 0.6127% | 2,405 |
| Noninterest expense to average assets | 2.6000% | 3,410 |
| Loan and lease loss provision to assets | -0.4133% | 5,706 |
| Net operating income to assets | 1.2957% | 1,352 |
| Return on assets (ROA) | 1.2957% | 1,384 |
| Pretax return on assets | 2.1507% | 407 |
| Return on Equity (ROE) | 11.9392% | 1,349 |
| Retained earnings to average equity (ytd only) | 9.7629% | 638 |
| Net charge-offs to loans | -0.1247% | 5,437 |
| Credit loss provision to net charge-offs | 385.4626% | 796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9434% | 4,227 |
| Assets per employee ($millions) | 5.1235% | 2,305 |
| Cash dividends to net income (ytd only)* | 18.2282% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5760% | 1,290 |
| Loan loss allowance to noncurrent loans | 404.7767% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,758 |
| Noncurrent loans to loans | 0.3894% | 3,560 |
| Net loans and leases to total assets | 81.9188% | 706 |
| Net loans and leases to deposits | 99.8683% | 754 |
| Net loans and leases to core deposits | 102.4075% | 1,516 |
| Total domestic deposits to total assets | 82.0268% | 3,772 |
| Equity capital to assets | 10.7058% | 3,159 |
| Core capital (leverage) ratio | 10.8217% | 2,620 |
| Tier 1 risk-based capital ratio | 12.4708% | 4,338 |
| Total risk-based capital ratio | 13.7243% | 4,249 |
| Memoranda: | ||
| Average total assets | $282,251,500 | 2,288 |
| Average earning assets | $266,042,500 | 2,251 |
| Average equity | $30,632,250 | 2,330 |
| Average total loans | $242,624,000 | 1,874 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 1,533 |
| Cost of funding earning assets | 0.5369% | 1,863 |
| Net interest margin | 3.9551% | 1,758 |
| Noninterest income to average assets | 0.6903% | 2,033 |
| Noninterest expense to average assets | 2.4791% | 3,816 |
| Loan and lease loss provision to assets | -0.2705% | 5,725 |
| Net operating income to assets | 1.3481% | 1,181 |
| Return on assets (ROA) | 1.3481% | 1,207 |
| Pretax return on assets | 2.2064% | 348 |
| Return on Equity (ROE) | 12.3618% | 1,196 |
| Retained earnings to average equity (ytd only) | 9.0547% | 822 |
| Net charge-offs to loans | -0.1361% | 5,500 |
| Credit loss provision to net charge-offs | 228.6585% | 1,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1510% | 4,812 |
| Assets per employee ($millions) | 4.7554% | 2,711 |
| Cash dividends to net income (ytd only)* | 26.7523% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 981 |
| Loan loss allowance to noncurrent loans | 272.6415% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 2,902 |
| Noncurrent loans to loans | 0.6420% | 2,807 |
| Net loans and leases to total assets | 85.2771% | 323 |
| Net loans and leases to deposits | 104.2681% | 480 |
| Net loans and leases to core deposits | 107.2694% | 1,144 |
| Total domestic deposits to total assets | 81.7864% | 3,946 |
| Equity capital to assets | 10.8462% | 2,969 |
| Core capital (leverage) ratio | 10.8498% | 2,552 |
| Tier 1 risk-based capital ratio | 11.8423% | 4,735 |
| Total risk-based capital ratio | 13.0997% | 4,620 |
| Memoranda: | ||
| Average total assets | $277,280,330 | 2,326 |
| Average earning assets | $261,134,000 | 2,292 |
| Average equity | $30,238,330 | 2,355 |
| Average total loans | $241,054,670 | 1,879 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 1,542 |
| Cost of funding earning assets | 0.5107% | 2,001 |
| Net interest margin | 3.9249% | 1,694 |
| Noninterest income to average assets | 0.8212% | 1,481 |
| Noninterest expense to average assets | 2.5353% | 3,705 |
| Loan and lease loss provision to assets | -0.3660% | 5,825 |
| Net operating income to assets | 1.4053% | 993 |
| Return on assets (ROA) | 1.4053% | 1,022 |
| Pretax return on assets | 2.3421% | 278 |
| Return on Equity (ROE) | 12.8497% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.5034% | 925 |
| Net charge-offs to loans | -0.1413% | 5,548 |
| Credit loss provision to net charge-offs | 297.6190% | 796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1973% | 4,917 |
| Assets per employee ($millions) | 4.9387% | 2,527 |
| Cash dividends to net income (ytd only)* | 26.0417% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8152% | 931 |
| Loan loss allowance to noncurrent loans | 239.8686% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,612 |
| Noncurrent loans to loans | 0.7567% | 2,592 |
| Net loans and leases to total assets | 87.2220% | 146 |
| Net loans and leases to deposits | 105.0647% | 358 |
| Net loans and leases to core deposits | 108.1263% | 968 |
| Total domestic deposits to total assets | 83.0173% | 3,829 |
| Equity capital to assets | 11.1420% | 2,490 |
| Core capital (leverage) ratio | 10.8781% | 2,509 |
| Tier 1 risk-based capital ratio | 11.8407% | 4,821 |
| Total risk-based capital ratio | 13.1009% | 4,719 |
| Memoranda: | ||
| Average total assets | $273,258,000 | 2,373 |
| Average earning assets | $256,924,500 | 2,338 |
| Average equity | $29,884,000 | 2,389 |
| Average total loans | $237,756,000 | 1,907 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 1,837 |
| Cost of funding earning assets | 0.5283% | 1,882 |
| Net interest margin | 3.8667% | 2,078 |
| Noninterest income to average assets | 0.3786% | 4,043 |
| Noninterest expense to average assets | 2.3431% | 4,440 |
| Loan and lease loss provision to assets | -0.1829% | 5,770 |
| Net operating income to assets | 1.3842% | 1,038 |
| Return on assets (ROA) | 1.3956% | 1,046 |
| Pretax return on assets | 1.7970% | 807 |
| Return on Equity (ROE) | 13.8427% | 800 |
| Retained earnings to average equity (ytd only) | 13.8427% | 136 |
| Net charge-offs to loans | -0.1239% | 5,643 |
| Credit loss provision to net charge-offs | 177.3050% | 1,580 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4321% | 4,673 |
| Assets per employee ($millions) | 5.1865% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 743 |
| Loan loss allowance to noncurrent loans | 217.5120% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 2,455 |
| Noncurrent loans to loans | 0.8924% | 2,312 |
| Net loans and leases to total assets | 83.5492% | 427 |
| Net loans and leases to deposits | 100.1413% | 662 |
| Net loans and leases to core deposits | 102.5886% | 1,404 |
| Total domestic deposits to total assets | 83.4313% | 3,621 |
| Equity capital to assets | 10.7328% | 2,888 |
| Core capital (leverage) ratio | 10.2226% | 3,198 |
| Tier 1 risk-based capital ratio | 11.6562% | 4,951 |
| Total risk-based capital ratio | 12.9198% | 4,849 |
| Memoranda: | ||
| Average total assets | $273,350,000 | 2,337 |
| Average earning assets | $251,946,600 | 2,346 |
| Average equity | $27,559,600 | 2,532 |
| Average total loans | $227,571,600 | 1,927 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 1,916 |
| Cost of funding earning assets | 0.5324% | 1,859 |
| Net interest margin | 3.8481% | 2,163 |
| Noninterest income to average assets | 0.4826% | 3,362 |
| Noninterest expense to average assets | 2.3377% | 4,439 |
| Loan and lease loss provision to assets | -0.0733% | 5,757 |
| Net operating income to assets | 1.1869% | 1,683 |
| Return on assets (ROA) | 1.1972% | 1,742 |
| Pretax return on assets | 1.7638% | 969 |
| Return on Equity (ROE) | 12.0704% | 1,306 |
| Retained earnings to average equity (ytd only) | 12.0704% | 296 |
| Net charge-offs to loans | -0.0814% | 5,507 |
| Credit loss provision to net charge-offs | 108.6957% | 2,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2522% | 4,777 |
| Assets per employee ($millions) | 5.1456% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0116% | 715 |
| Loan loss allowance to noncurrent loans | 199.6639% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 2,290 |
| Noncurrent loans to loans | 1.0075% | 2,230 |
| Net loans and leases to total assets | 84.8800% | 335 |
| Net loans and leases to deposits | 101.4084% | 617 |
| Net loans and leases to core deposits | 103.7775% | 1,359 |
| Total domestic deposits to total assets | 83.7011% | 3,319 |
| Equity capital to assets | 10.3858% | 3,698 |
| Core capital (leverage) ratio | 9.7403% | 3,887 |
| Tier 1 risk-based capital ratio | 10.7786% | 5,485 |
| Total risk-based capital ratio | 12.0433% | 5,387 |
| Memoranda: | ||
| Average total assets | $272,966,000 | 2,346 |
| Average earning assets | $250,439,750 | 2,370 |
| Average equity | $27,073,750 | 2,583 |
| Average total loans | $225,911,750 | 1,940 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3137% | 2,113 |
| Cost of funding earning assets | 0.5254% | 1,896 |
| Net interest margin | 3.7883% | 2,372 |
| Noninterest income to average assets | 0.4739% | 3,374 |
| Noninterest expense to average assets | 2.6794% | 3,455 |
| Loan and lease loss provision to assets | -0.1099% | 5,885 |
| Net operating income to assets | 1.0783% | 2,050 |
| Return on assets (ROA) | 1.0958% | 2,095 |
| Pretax return on assets | 1.4181% | 1,955 |
| Return on Equity (ROE) | 11.2241% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.2241% | 410 |
| Net charge-offs to loans | -0.1420% | 5,726 |
| Credit loss provision to net charge-offs | 94.9367% | 2,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5781% | 3,432 |
| Assets per employee ($millions) | 5.0530% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1146% | 610 |
| Loan loss allowance to noncurrent loans | 193.7475% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.9884% | 2,164 |
| Noncurrent loans to loans | 1.0914% | 2,103 |
| Net loans and leases to total assets | 79.4846% | 991 |
| Net loans and leases to deposits | 94.9384% | 1,197 |
| Net loans and leases to core deposits | 97.6026% | 1,847 |
| Total domestic deposits to total assets | 83.7222% | 3,377 |
| Equity capital to assets | 9.8506% | 4,389 |
| Core capital (leverage) ratio | 9.2348% | 4,537 |
| Tier 1 risk-based capital ratio | 10.8841% | 5,489 |
| Total risk-based capital ratio | 12.1517% | 5,396 |
| Memoranda: | ||
| Average total assets | $273,048,670 | 2,355 |
| Average earning assets | $251,618,000 | 2,370 |
| Average equity | $26,657,000 | 2,619 |
| Average total loans | $222,470,670 | 1,966 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,185 |
| Cost of funding earning assets | 0.5118% | 2,012 |
| Net interest margin | 3.7734% | 2,392 |
| Noninterest income to average assets | 0.5277% | 2,950 |
| Noninterest expense to average assets | 2.6118% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2298% | 1,455 |
| Return on assets (ROA) | 1.2298% | 1,565 |
| Pretax return on assets | 1.3924% | 1,929 |
| Return on Equity (ROE) | 12.6552% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.6552% | 421 |
| Net charge-offs to loans | -0.0779% | 5,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2270% | 3,939 |
| Assets per employee ($millions) | 4.9198% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1307% | 653 |
| Loan loss allowance to noncurrent loans | 208.6372% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,320 |
| Noncurrent loans to loans | 1.0213% | 2,343 |
| Net loans and leases to total assets | 81.5985% | 614 |
| Net loans and leases to deposits | 97.6053% | 790 |
| Net loans and leases to core deposits | 100.1674% | 1,472 |
| Total domestic deposits to total assets | 83.6005% | 3,674 |
| Equity capital to assets | 9.8793% | 4,243 |
| Core capital (leverage) ratio | 8.9936% | 4,866 |
| Tier 1 risk-based capital ratio | 10.4615% | 5,768 |
| Total risk-based capital ratio | 11.7305% | 5,673 |
| Memoranda: | ||
| Average total assets | $270,616,500 | 2,379 |
| Average earning assets | $249,327,500 | 2,392 |
| Average equity | $26,297,500 | 2,641 |
| Average total loans | $220,871,000 | 1,979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3854% | 1,951 |
| Cost of funding earning assets | 0.5337% | 1,889 |
| Net interest margin | 3.8517% | 2,197 |
| Noninterest income to average assets | 0.5246% | 3,168 |
| Noninterest expense to average assets | 4.2196% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3177% | 5,305 |
| Return on assets (ROA) | 0.3177% | 5,392 |
| Pretax return on assets | -0.1464% | 5,946 |
| Return on Equity (ROE) | 3.3734% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.3734% | 3,650 |
| Net charge-offs to loans | 0.3352% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.5529% | 4,310 |
| Efficiency ratio | 103.5936% | 222 |
| Assets per employee ($millions) | 4.6663% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2041% | 589 |
| Loan loss allowance to noncurrent loans | 228.2702% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 2,374 |
| Noncurrent loans to loans | 0.9656% | 2,401 |
| Net loans and leases to total assets | 78.1005% | 1,105 |
| Net loans and leases to deposits | 94.5466% | 1,151 |
| Net loans and leases to core deposits | 96.7206% | 1,774 |
| Total domestic deposits to total assets | 82.6053% | 3,974 |
| Equity capital to assets | 9.5560% | 4,489 |
| Core capital (leverage) ratio | 8.5863% | 5,344 |
| Tier 1 risk-based capital ratio | 10.4899% | 5,778 |
| Total risk-based capital ratio | 11.7606% | 5,690 |
| Memoranda: | ||
| Average total assets | $264,384,200 | 2,388 |
| Average earning assets | $243,582,800 | 2,391 |
| Average equity | $24,900,800 | 2,699 |
| Average total loans | $208,814,800 | 2,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 1,869 |
| Cost of funding earning assets | 0.5358% | 1,922 |
| Net interest margin | 3.8815% | 2,093 |
| Noninterest income to average assets | 0.5327% | 3,149 |
| Noninterest expense to average assets | 4.2127% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3541% | 6,103 |
| Return on assets (ROA) | -0.3541% | 6,113 |
| Pretax return on assets | -0.1004% | 6,011 |
| Return on Equity (ROE) | -3.7738% | 6,120 |
| Retained earnings to average equity (ytd only) | -3.7738% | 5,980 |
| Net charge-offs to loans | 0.2274% | 1,150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.5609% | 4,031 |
| Efficiency ratio | 102.4426% | 247 |
| Assets per employee ($millions) | 4.7101% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4483% | 469 |
| Loan loss allowance to noncurrent loans | 228.3735% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8796% | 2,680 |
| Noncurrent loans to loans | 1.0720% | 2,339 |
| Net loans and leases to total assets | 77.2079% | 1,221 |
| Net loans and leases to deposits | 92.9866% | 1,306 |
| Net loans and leases to core deposits | 95.2998% | 1,947 |
| Total domestic deposits to total assets | 83.0312% | 3,811 |
| Equity capital to assets | 9.2396% | 5,066 |
| Core capital (leverage) ratio | 8.5156% | 5,542 |
| Tier 1 risk-based capital ratio | 10.4726% | 5,893 |
| Total risk-based capital ratio | 11.7368% | 5,822 |
| Memoranda: | ||
| Average total assets | $262,818,750 | 2,417 |
| Average earning assets | $242,377,000 | 2,418 |
| Average equity | $24,660,250 | 2,742 |
| Average total loans | $206,983,500 | 2,026 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 1,690 |
| Cost of funding earning assets | 0.5361% | 1,935 |
| Net interest margin | 3.9151% | 1,926 |
| Noninterest income to average assets | 0.5349% | 3,137 |
| Noninterest expense to average assets | 4.9897% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.2305% | 6,277 |
| Return on assets (ROA) | -1.2305% | 6,277 |
| Pretax return on assets | -0.8495% | 6,242 |
| Return on Equity (ROE) | -13.0470% | 6,271 |
| Retained earnings to average equity (ytd only) | -13.0470% | 6,215 |
| Net charge-offs to loans | 0.3091% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.4953% | 3,808 |
| Efficiency ratio | 120.5190% | 107 |
| Assets per employee ($millions) | 4.3223% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4833% | 495 |
| Loan loss allowance to noncurrent loans | 432.7166% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 3,923 |
| Noncurrent loans to loans | 0.5739% | 3,728 |
| Net loans and leases to total assets | 77.9046% | 1,077 |
| Net loans and leases to deposits | 93.7222% | 1,179 |
| Net loans and leases to core deposits | 96.3163% | 1,773 |
| Total domestic deposits to total assets | 83.1229% | 3,901 |
| Equity capital to assets | 9.0272% | 5,209 |
| Core capital (leverage) ratio | 8.2332% | 5,763 |
| Tier 1 risk-based capital ratio | 10.0952% | 6,055 |
| Total risk-based capital ratio | 11.3598% | 5,999 |
| Memoranda: | ||
| Average total assets | $262,502,670 | 2,436 |
| Average earning assets | $241,729,670 | 2,446 |
| Average equity | $24,756,670 | 2,742 |
| Average total loans | $206,391,330 | 2,039 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3166% | 2,041 |
| Cost of funding earning assets | 0.5451% | 1,885 |
| Net interest margin | 3.7715% | 2,346 |
| Noninterest income to average assets | 0.5438% | 2,996 |
| Noninterest expense to average assets | 2.8536% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1587% | 1,673 |
| Return on assets (ROA) | 1.1587% | 1,779 |
| Pretax return on assets | 1.1587% | 2,843 |
| Return on Equity (ROE) | 12.0333% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.0333% | 569 |
| Net charge-offs to loans | 0.3884% | 633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.8250% | 2,565 |
| Efficiency ratio | 71.1212% | 3,304 |
| Assets per employee ($millions) | 4.5353% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5987% | 461 |
| Loan loss allowance to noncurrent loans | 220.6203% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 2,702 |
| Noncurrent loans to loans | 1.1779% | 2,422 |
| Net loans and leases to total assets | 75.0050% | 1,356 |
| Net loans and leases to deposits | 89.7539% | 1,415 |
| Net loans and leases to core deposits | 92.0778% | 1,939 |
| Total domestic deposits to total assets | 83.5675% | 3,987 |
| Equity capital to assets | 9.8196% | 4,366 |
| Core capital (leverage) ratio | 8.9043% | 5,067 |
| Tier 1 risk-based capital ratio | 11.1439% | 5,741 |
| Total risk-based capital ratio | 12.4103% | 5,645 |
| Memoranda: | ||
| Average total assets | $264,084,500 | 2,437 |
| Average earning assets | $242,875,000 | 2,445 |
| Average equity | $25,429,500 | 2,708 |
| Average total loans | $205,996,000 | 2,039 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 2,208 |
| Cost of funding earning assets | 0.6986% | 1,119 |
| Net interest margin | 3.7051% | 2,990 |
| Noninterest income to average assets | 0.4144% | 4,083 |
| Noninterest expense to average assets | 3.2008% | 2,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7365% | 3,704 |
| Return on assets (ROA) | 0.7757% | 3,585 |
| Pretax return on assets | 0.6718% | 4,720 |
| Return on Equity (ROE) | 8.6041% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.6041% | 796 |
| Net charge-offs to loans | 0.4647% | 900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.7171% | 4,348 |
| Efficiency ratio | 83.4970% | 1,472 |
| Assets per employee ($millions) | 4.2083% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6090% | 480 |
| Loan loss allowance to noncurrent loans | 285.6247% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 2,961 |
| Noncurrent loans to loans | 0.9134% | 3,032 |
| Net loans and leases to total assets | 76.9327% | 1,138 |
| Net loans and leases to deposits | 91.5903% | 1,331 |
| Net loans and leases to core deposits | 94.5040% | 1,865 |
| Total domestic deposits to total assets | 83.9965% | 3,717 |
| Equity capital to assets | 9.4405% | 4,791 |
| Core capital (leverage) ratio | 8.5147% | 5,551 |
| Tier 1 risk-based capital ratio | 10.6606% | 6,038 |
| Total risk-based capital ratio | 11.9266% | 5,972 |
| Memoranda: | ||
| Average total assets | $265,711,400 | 2,379 |
| Average earning assets | $245,204,000 | 2,380 |
| Average equity | $23,953,800 | 2,762 |
| Average total loans | $210,689,000 | 1,967 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 2,434 |
| Cost of funding earning assets | 0.6640% | 1,366 |
| Net interest margin | 3.6822% | 3,098 |
| Noninterest income to average assets | 0.4789% | 3,693 |
| Noninterest expense to average assets | 3.2272% | 2,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6505% | 4,217 |
| Return on assets (ROA) | 0.7026% | 4,026 |
| Pretax return on assets | 0.7026% | 4,694 |
| Return on Equity (ROE) | 7.8866% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.8866% | 1,415 |
| Net charge-offs to loans | 0.3602% | 1,117 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.2754% | 3,956 |
| Efficiency ratio | 83.2256% | 1,472 |
| Assets per employee ($millions) | 4.3428% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6857% | 499 |
| Loan loss allowance to noncurrent loans | 162.9126% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 1,668 |
| Noncurrent loans to loans | 1.6486% | 1,977 |
| Net loans and leases to total assets | 79.0349% | 830 |
| Net loans and leases to deposits | 96.2740% | 860 |
| Net loans and leases to core deposits | 99.0994% | 1,443 |
| Total domestic deposits to total assets | 82.0937% | 4,450 |
| Equity capital to assets | 9.0685% | 5,280 |
| Core capital (leverage) ratio | 8.6289% | 5,527 |
| Tier 1 risk-based capital ratio | 10.2018% | 6,295 |
| Total risk-based capital ratio | 11.4689% | 6,260 |
| Memoranda: | ||
| Average total assets | $265,858,250 | 2,406 |
| Average earning assets | $245,392,000 | 2,401 |
| Average equity | $23,685,000 | 2,791 |
| Average total loans | $211,003,500 | 1,977 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,414 |
| Cost of funding earning assets | 0.6758% | 1,331 |
| Net interest margin | 3.6675% | 3,080 |
| Noninterest income to average assets | 0.5659% | 3,011 |
| Noninterest expense to average assets | 3.2373% | 2,078 |
| Loan and lease loss provision to assets | 0.2266% | 1,015 |
| Net operating income to assets | 0.4843% | 4,871 |
| Return on assets (ROA) | 0.5628% | 4,632 |
| Pretax return on assets | 0.5628% | 5,085 |
| Return on Equity (ROE) | 6.3564% | 3,963 |
| Retained earnings to average equity (ytd only) | 6.3564% | 2,113 |
| Net charge-offs to loans | 0.2063% | 1,787 |
| Credit loss provision to net charge-offs | 139.5349% | 1,526 |
| Earnings coverage of net charge-offs (x) | 4.3767% | 3,122 |
| Efficiency ratio | 81.9939% | 1,749 |
| Assets per employee ($millions) | 4.0960% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0559% | 358 |
| Loan loss allowance to noncurrent loans | 162.1863% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9400% | 1,662 |
| Noncurrent loans to loans | 1.8842% | 1,821 |
| Net loans and leases to total assets | 77.7825% | 937 |
| Net loans and leases to deposits | 94.7468% | 903 |
| Net loans and leases to core deposits | 97.3620% | 1,490 |
| Total domestic deposits to total assets | 82.0952% | 4,609 |
| Equity capital to assets | 8.9411% | 5,370 |
| Core capital (leverage) ratio | 8.3238% | 5,824 |
| Tier 1 risk-based capital ratio | 10.1731% | 6,340 |
| Total risk-based capital ratio | 11.4445% | 6,296 |
| Memoranda: | ||
| Average total assets | $264,727,000 | 2,415 |
| Average earning assets | $244,142,330 | 2,402 |
| Average equity | $23,441,000 | 2,809 |
| Average total loans | $208,446,000 | 1,990 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 2,811 |
| Cost of funding earning assets | 0.6333% | 1,708 |
| Net interest margin | 3.5842% | 3,316 |
| Noninterest income to average assets | 0.7001% | 2,165 |
| Noninterest expense to average assets | 3.3443% | 1,846 |
| Loan and lease loss provision to assets | 0.2273% | 978 |
| Net operating income to assets | 0.4304% | 5,009 |
| Return on assets (ROA) | 0.5879% | 4,324 |
| Pretax return on assets | 0.5879% | 4,868 |
| Return on Equity (ROE) | 6.6727% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.6727% | 2,200 |
| Net charge-offs to loans | 0.6587% | 558 |
| Credit loss provision to net charge-offs | 44.2478% | 2,263 |
| Earnings coverage of net charge-offs (x) | 1.2802% | 3,128 |
| Efficiency ratio | 83.5668% | 1,722 |
| Assets per employee ($millions) | 4.2201% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9793% | 447 |
| Loan loss allowance to noncurrent loans | 130.4275% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 2.2267% | 1,486 |
| Noncurrent loans to loans | 2.2843% | 1,567 |
| Net loans and leases to total assets | 76.6027% | 933 |
| Net loans and leases to deposits | 95.1575% | 703 |
| Net loans and leases to core deposits | 97.6960% | 1,258 |
| Total domestic deposits to total assets | 80.5009% | 5,384 |
| Equity capital to assets | 8.7974% | 5,342 |
| Core capital (leverage) ratio | 8.3760% | 5,775 |
| Tier 1 risk-based capital ratio | 10.0766% | 6,455 |
| Total risk-based capital ratio | 11.3437% | 6,419 |
| Memoranda: | ||
| Average total assets | $263,970,000 | 2,428 |
| Average earning assets | $243,177,000 | 2,413 |
| Average equity | $23,259,000 | 2,816 |
| Average total loans | $205,860,500 | 2,008 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3744% | 2,673 |
| Cost of funding earning assets | 0.7345% | 1,601 |
| Net interest margin | 3.6399% | 3,283 |
| Noninterest income to average assets | 0.3990% | 4,448 |
| Noninterest expense to average assets | 4.2990% | 634 |
| Loan and lease loss provision to assets | -0.2558% | 6,644 |
| Net operating income to assets | 0.8443% | 3,070 |
| Return on assets (ROA) | 0.8453% | 3,137 |
| Pretax return on assets | -0.2881% | 6,407 |
| Return on Equity (ROE) | 11.0319% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.0319% | 414 |
| Net charge-offs to loans | 1.5666% | 296 |
| Credit loss provision to net charge-offs | -22.3829% | 5,722 |
| Earnings coverage of net charge-offs (x) | -0.4773% | 5,191 |
| Efficiency ratio | 114.5313% | 221 |
| Assets per employee ($millions) | 4.2963% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1926% | 374 |
| Loan loss allowance to noncurrent loans | 137.9953% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 2.2215% | 1,604 |
| Noncurrent loans to loans | 2.3136% | 1,663 |
| Net loans and leases to total assets | 74.5452% | 1,278 |
| Net loans and leases to deposits | 92.8532% | 973 |
| Net loans and leases to core deposits | 94.4262% | 1,569 |
| Total domestic deposits to total assets | 80.2828% | 5,378 |
| Equity capital to assets | 8.8253% | 5,229 |
| Core capital (leverage) ratio | 8.3107% | 5,861 |
| Tier 1 risk-based capital ratio | 10.0843% | 6,494 |
| Total risk-based capital ratio | 11.3560% | 6,448 |
| Memoranda: | ||
| Average total assets | $254,104,400 | 2,494 |
| Average earning assets | $234,181,000 | 2,480 |
| Average equity | $19,470,800 | 3,213 |
| Average total loans | $185,373,400 | 2,154 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 2,577 |
| Cost of funding earning assets | 0.7571% | 1,556 |
| Net interest margin | 3.6483% | 3,239 |
| Noninterest income to average assets | 0.6611% | 2,819 |
| Noninterest expense to average assets | 3.9463% | 913 |
| Loan and lease loss provision to assets | -0.3438% | 6,790 |
| Net operating income to assets | 0.4189% | 5,168 |
| Return on assets (ROA) | 0.4210% | 5,301 |
| Pretax return on assets | 0.4194% | 5,574 |
| Return on Equity (ROE) | 5.7194% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.7194% | 2,581 |
| Net charge-offs to loans | 1.5572% | 287 |
| Credit loss provision to net charge-offs | -30.7038% | 5,675 |
| Earnings coverage of net charge-offs (x) | 0.0657% | 4,836 |
| Efficiency ratio | 98.1713% | 522 |
| Assets per employee ($millions) | 4.2057% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7836% | 271 |
| Loan loss allowance to noncurrent loans | 151.2552% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 2.7067% | 1,393 |
| Noncurrent loans to loans | 2.5015% | 1,730 |
| Net loans and leases to total assets | 71.6666% | 1,654 |
| Net loans and leases to deposits | 88.1863% | 1,347 |
| Net loans and leases to core deposits | 89.8735% | 1,978 |
| Total domestic deposits to total assets | 81.2672% | 5,150 |
| Equity capital to assets | 7.3371% | 6,447 |
| Core capital (leverage) ratio | 7.3066% | 6,509 |
| Tier 1 risk-based capital ratio | 9.2522% | 6,704 |
| Total risk-based capital ratio | 10.5311% | 6,688 |
| Memoranda: | ||
| Average total assets | $252,111,500 | 2,527 |
| Average earning assets | $232,105,250 | 2,512 |
| Average equity | $18,556,250 | 3,372 |
| Average total loans | $181,264,750 | 2,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,223 |
| Cost of funding earning assets | 0.7748% | 1,557 |
| Net interest margin | 3.7185% | 2,889 |
| Noninterest income to average assets | 0.5953% | 3,226 |
| Noninterest expense to average assets | 3.6124% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4054% | 5,195 |
| Return on assets (ROA) | 0.4086% | 5,349 |
| Pretax return on assets | 0.4062% | 5,628 |
| Return on Equity (ROE) | 5.5449% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.5449% | 2,708 |
| Net charge-offs to loans | 1.4956% | 353 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3794% | 4,412 |
| Efficiency ratio | 89.9642% | 1,055 |
| Assets per employee ($millions) | 4.0506% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9026% | 123 |
| Loan loss allowance to noncurrent loans | 193.7402% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 2.6101% | 1,606 |
| Noncurrent loans to loans | 2.5305% | 1,827 |
| Net loans and leases to total assets | 66.9336% | 2,426 |
| Net loans and leases to deposits | 82.0822% | 2,048 |
| Net loans and leases to core deposits | 86.2536% | 2,307 |
| Total domestic deposits to total assets | 81.5446% | 5,201 |
| Equity capital to assets | 7.4022% | 6,472 |
| Core capital (leverage) ratio | 7.4619% | 6,471 |
| Tier 1 risk-based capital ratio | 9.9564% | 6,644 |
| Total risk-based capital ratio | 11.2493% | 6,612 |
| Memoranda: | ||
| Average total assets | $250,633,670 | 2,551 |
| Average earning assets | $230,521,330 | 2,534 |
| Average equity | $18,467,330 | 3,400 |
| Average total loans | $177,990,670 | 2,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 2,019 |
| Cost of funding earning assets | 0.8153% | 1,441 |
| Net interest margin | 3.7254% | 2,755 |
| Noninterest income to average assets | 0.7525% | 2,327 |
| Noninterest expense to average assets | 3.8038% | 1,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3451% | 5,377 |
| Return on assets (ROA) | 0.3451% | 5,521 |
| Pretax return on assets | 0.3579% | 5,690 |
| Return on Equity (ROE) | 4.6941% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.6941% | 3,422 |
| Net charge-offs to loans | 1.7760% | 277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.2825% | 3,720 |
| Efficiency ratio | 91.4012% | 1,033 |
| Assets per employee ($millions) | 3.9883% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2573% | 115 |
| Loan loss allowance to noncurrent loans | 209.3722% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 3.7425% | 1,105 |
| Noncurrent loans to loans | 2.5110% | 2,060 |
| Net loans and leases to total assets | 68.1775% | 1,975 |
| Net loans and leases to deposits | 84.3682% | 1,552 |
| Net loans and leases to core deposits | 88.8634% | 1,820 |
| Total domestic deposits to total assets | 80.8095% | 5,547 |
| Equity capital to assets | 7.6223% | 6,554 |
| Core capital (leverage) ratio | 7.4208% | 6,498 |
| Tier 1 risk-based capital ratio | 9.4549% | 6,767 |
| Total risk-based capital ratio | 10.7492% | 6,753 |
| Memoranda: | ||
| Average total assets | $250,380,500 | 2,577 |
| Average earning assets | $229,131,500 | 2,571 |
| Average equity | $18,406,000 | 3,469 |
| Average total loans | $178,604,500 | 2,227 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6889% | 2,639 |
| Cost of funding earning assets | 1.1120% | 863 |
| Net interest margin | 3.5769% | 4,198 |
| Noninterest income to average assets | 0.2835% | 5,441 |
| Noninterest expense to average assets | 3.2240% | 2,536 |
| Loan and lease loss provision to assets | -0.0747% | 6,900 |
| Net operating income to assets | 0.3874% | 5,148 |
| Return on assets (ROA) | 0.3908% | 5,374 |
| Pretax return on assets | 0.3919% | 5,595 |
| Return on Equity (ROE) | 5.9796% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.9796% | 2,087 |
| Net charge-offs to loans | 2.5302% | 238 |
| Credit loss provision to net charge-offs | -4.0429% | 6,204 |
| Earnings coverage of net charge-offs (x) | 0.1698% | 5,402 |
| Efficiency ratio | 91.1299% | 977 |
| Assets per employee ($millions) | 4.3640% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4887% | 95 |
| Loan loss allowance to noncurrent loans | 88.5631% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 5.7318% | 633 |
| Noncurrent loans to loans | 6.1975% | 566 |
| Net loans and leases to total assets | 66.8576% | 2,389 |
| Net loans and leases to deposits | 85.4459% | 1,588 |
| Net loans and leases to core deposits | 89.8350% | 1,855 |
| Total domestic deposits to total assets | 78.2456% | 6,039 |
| Equity capital to assets | 7.0951% | 6,756 |
| Core capital (leverage) ratio | 7.0473% | 6,687 |
| Tier 1 risk-based capital ratio | 8.9805% | 6,850 |
| Total risk-based capital ratio | 10.2773% | 6,846 |
| Memoranda: | ||
| Average total assets | $267,678,400 | 2,365 |
| Average earning assets | $243,533,200 | 2,382 |
| Average equity | $17,492,800 | 3,537 |
| Average total loans | $195,517,600 | 2,042 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 2,587 |
| Cost of funding earning assets | 1.1723% | 792 |
| Net interest margin | 3.5756% | 4,337 |
| Noninterest income to average assets | 0.3133% | 5,276 |
| Noninterest expense to average assets | 3.2544% | 2,409 |
| Loan and lease loss provision to assets | -0.0987% | 7,034 |
| Net operating income to assets | 0.4026% | 5,237 |
| Return on assets (ROA) | 0.4071% | 5,447 |
| Pretax return on assets | 0.4080% | 5,698 |
| Return on Equity (ROE) | 6.3586% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.3586% | 2,453 |
| Net charge-offs to loans | 2.7502% | 213 |
| Credit loss provision to net charge-offs | -4.8757% | 6,086 |
| Earnings coverage of net charge-offs (x) | 0.1507% | 5,258 |
| Efficiency ratio | 91.4333% | 924 |
| Assets per employee ($millions) | 4.1489% | 3,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8733% | 70 |
| Loan loss allowance to noncurrent loans | 92.8651% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 6.0432% | 661 |
| Noncurrent loans to loans | 6.3245% | 618 |
| Net loans and leases to total assets | 67.5485% | 2,358 |
| Net loans and leases to deposits | 84.4444% | 1,810 |
| Net loans and leases to core deposits | 89.9913% | 1,978 |
| Total domestic deposits to total assets | 79.9917% | 5,656 |
| Equity capital to assets | 6.9801% | 6,885 |
| Core capital (leverage) ratio | 6.6919% | 6,845 |
| Tier 1 risk-based capital ratio | 8.7729% | 6,961 |
| Total risk-based capital ratio | 10.0741% | 6,959 |
| Memoranda: | ||
| Average total assets | $270,229,500 | 2,362 |
| Average earning assets | $245,322,750 | 2,399 |
| Average equity | $17,299,000 | 3,611 |
| Average total loans | $198,862,500 | 2,034 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 2,518 |
| Cost of funding earning assets | 1.2179% | 758 |
| Net interest margin | 3.5799% | 4,345 |
| Noninterest income to average assets | 0.3089% | 5,342 |
| Noninterest expense to average assets | 3.2546% | 2,423 |
| Loan and lease loss provision to assets | -0.1457% | 7,130 |
| Net operating income to assets | 0.4553% | 5,014 |
| Return on assets (ROA) | 0.4553% | 5,250 |
| Pretax return on assets | 0.4545% | 5,566 |
| Return on Equity (ROE) | 7.3184% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.3184% | 1,945 |
| Net charge-offs to loans | 3.4742% | 153 |
| Credit loss provision to net charge-offs | -5.6545% | 5,915 |
| Earnings coverage of net charge-offs (x) | 0.1199% | 5,018 |
| Efficiency ratio | 91.3328% | 971 |
| Assets per employee ($millions) | 4.3225% | 3,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0136% | 78 |
| Loan loss allowance to noncurrent loans | 102.1492% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 6.0084% | 704 |
| Noncurrent loans to loans | 5.8871% | 766 |
| Net loans and leases to total assets | 66.5241% | 2,562 |
| Net loans and leases to deposits | 84.0551% | 1,851 |
| Net loans and leases to core deposits | 91.8344% | 1,797 |
| Total domestic deposits to total assets | 79.1435% | 5,935 |
| Equity capital to assets | 6.5129% | 6,977 |
| Core capital (leverage) ratio | 6.4712% | 6,937 |
| Tier 1 risk-based capital ratio | 8.4462% | 7,015 |
| Total risk-based capital ratio | 9.7494% | 7,016 |
| Memoranda: | ||
| Average total assets | $274,561,670 | 2,339 |
| Average earning assets | $249,617,330 | 2,357 |
| Average equity | $17,080,330 | 3,630 |
| Average total loans | $203,617,000 | 1,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 2,099 |
| Cost of funding earning assets | 1.2854% | 668 |
| Net interest margin | 3.6526% | 4,039 |
| Noninterest income to average assets | 0.4895% | 3,983 |
| Noninterest expense to average assets | 3.3198% | 2,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4981% | 4,839 |
| Return on assets (ROA) | 0.4981% | 5,045 |
| Pretax return on assets | 0.4996% | 5,432 |
| Return on Equity (ROE) | 8.1925% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.1925% | 1,909 |
| Net charge-offs to loans | 5.7992% | 71 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.1137% | 4,309 |
| Efficiency ratio | 86.9205% | 1,383 |
| Assets per employee ($millions) | 4.2675% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1109% | 78 |
| Loan loss allowance to noncurrent loans | 98.6376% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 6.7113% | 657 |
| Noncurrent loans to loans | 6.1953% | 800 |
| Net loans and leases to total assets | 68.0165% | 2,113 |
| Net loans and leases to deposits | 85.4204% | 1,485 |
| Net loans and leases to core deposits | 94.3167% | 1,442 |
| Total domestic deposits to total assets | 79.6256% | 5,941 |
| Equity capital to assets | 6.2529% | 7,043 |
| Core capital (leverage) ratio | 6.2029% | 7,015 |
| Tier 1 risk-based capital ratio | 8.1466% | 7,088 |
| Total risk-based capital ratio | 9.4522% | 7,083 |
| Memoranda: | ||
| Average total assets | $277,846,000 | 2,328 |
| Average earning assets | $253,300,000 | 2,339 |
| Average equity | $16,893,500 | 3,669 |
| Average total loans | $210,582,000 | 1,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 1,517 |
| Cost of funding earning assets | 1.5055% | 697 |
| Net interest margin | 3.8580% | 3,524 |
| Noninterest income to average assets | 0.0171% | 6,941 |
| Noninterest expense to average assets | 3.3781% | 2,296 |
| Loan and lease loss provision to assets | 0.5820% | 1,778 |
| Net operating income to assets | -0.4333% | 6,440 |
| Return on assets (ROA) | -0.4226% | 6,485 |
| Pretax return on assets | -0.4207% | 6,435 |
| Return on Equity (ROE) | -7.5140% | 6,660 |
| Retained earnings to average equity (ytd only) | -7.5140% | 6,603 |
| Net charge-offs to loans | 3.7821% | 179 |
| Credit loss provision to net charge-offs | 18.9494% | 5,928 |
| Earnings coverage of net charge-offs (x) | 0.0491% | 5,785 |
| Efficiency ratio | 95.7299% | 833 |
| Assets per employee ($millions) | 4.3472% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7818% | 55 |
| Loan loss allowance to noncurrent loans | 72.5878% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 10.2145% | 320 |
| Noncurrent loans to loans | 9.3428% | 365 |
| Net loans and leases to total assets | 73.6671% | 1,330 |
| Net loans and leases to deposits | 91.6952% | 994 |
| Net loans and leases to core deposits | 102.9532% | 968 |
| Total domestic deposits to total assets | 80.3390% | 5,651 |
| Equity capital to assets | 5.9132% | 7,103 |
| Core capital (leverage) ratio | 5.7761% | 7,078 |
| Tier 1 risk-based capital ratio | 7.0291% | 7,155 |
| Total risk-based capital ratio | 8.3422% | 7,154 |
| Memoranda: | ||
| Average total assets | $309,255,200 | 2,070 |
| Average earning assets | $281,492,400 | 2,082 |
| Average equity | $17,394,200 | 3,519 |
| Average total loans | $251,156,200 | 1,668 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3399% | 1,715 |
| Cost of funding earning assets | 1.5350% | 756 |
| Net interest margin | 3.8049% | 3,853 |
| Noninterest income to average assets | 0.2920% | 5,520 |
| Noninterest expense to average assets | 3.3623% | 2,301 |
| Loan and lease loss provision to assets | 0.7597% | 1,251 |
| Net operating income to assets | -0.3672% | 6,561 |
| Return on assets (ROA) | -0.3532% | 6,601 |
| Pretax return on assets | -0.3511% | 6,533 |
| Return on Equity (ROE) | -6.3532% | 6,738 |
| Retained earnings to average equity (ytd only) | -6.3532% | 6,666 |
| Net charge-offs to loans | 4.6794% | 114 |
| Credit loss provision to net charge-offs | 19.8697% | 5,559 |
| Earnings coverage of net charge-offs (x) | 0.1032% | 5,524 |
| Efficiency ratio | 89.4967% | 1,201 |
| Assets per employee ($millions) | 4.4896% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6951% | 53 |
| Loan loss allowance to noncurrent loans | 62.6216% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 11.2257% | 271 |
| Noncurrent loans to loans | 10.6914% | 314 |
| Net loans and leases to total assets | 74.4234% | 1,250 |
| Net loans and leases to deposits | 92.2268% | 996 |
| Net loans and leases to core deposits | 104.8322% | 927 |
| Total domestic deposits to total assets | 80.6960% | 5,532 |
| Equity capital to assets | 5.8817% | 7,200 |
| Core capital (leverage) ratio | 5.7575% | 7,161 |
| Tier 1 risk-based capital ratio | 7.0367% | 7,243 |
| Total risk-based capital ratio | 8.3498% | 7,240 |
| Memoranda: | ||
| Average total assets | $315,926,500 | 2,035 |
| Average earning assets | $287,689,250 | 2,046 |
| Average equity | $17,565,500 | 3,497 |
| Average total loans | $258,119,000 | 1,648 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2473% | 2,074 |
| Cost of funding earning assets | 1.5710% | 786 |
| Net interest margin | 3.6763% | 4,376 |
| Noninterest income to average assets | 0.7507% | 2,258 |
| Noninterest expense to average assets | 3.4214% | 2,204 |
| Loan and lease loss provision to assets | 0.8334% | 1,089 |
| Net operating income to assets | -0.1593% | 6,429 |
| Return on assets (ROA) | -0.1451% | 6,458 |
| Pretax return on assets | -0.1426% | 6,404 |
| Return on Equity (ROE) | -2.6555% | 6,561 |
| Retained earnings to average equity (ytd only) | -2.6555% | 6,327 |
| Net charge-offs to loans | 5.6841% | 97 |
| Credit loss provision to net charge-offs | 17.8194% | 5,161 |
| Earnings coverage of net charge-offs (x) | 0.1447% | 5,193 |
| Efficiency ratio | 83.4890% | 1,887 |
| Assets per employee ($millions) | 4.4081% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7808% | 62 |
| Loan loss allowance to noncurrent loans | 61.5787% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 12.3186% | 244 |
| Noncurrent loans to loans | 11.0115% | 317 |
| Net loans and leases to total assets | 75.1070% | 1,228 |
| Net loans and leases to deposits | 92.3723% | 1,009 |
| Net loans and leases to core deposits | 107.5795% | 835 |
| Total domestic deposits to total assets | 81.3091% | 5,420 |
| Equity capital to assets | 5.8364% | 7,265 |
| Core capital (leverage) ratio | 5.6574% | 7,240 |
| Tier 1 risk-based capital ratio | 6.8850% | 7,316 |
| Total risk-based capital ratio | 8.1990% | 7,318 |
| Memoranda: | ||
| Average total assets | $323,961,670 | 1,998 |
| Average earning assets | $294,973,330 | 2,007 |
| Average equity | $17,699,330 | 3,462 |
| Average total loans | $266,569,670 | 1,618 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 2,279 |
| Cost of funding earning assets | 1.5834% | 865 |
| Net interest margin | 3.6013% | 4,562 |
| Noninterest income to average assets | 0.7165% | 2,478 |
| Noninterest expense to average assets | 3.4529% | 2,137 |
| Loan and lease loss provision to assets | 0.8986% | 893 |
| Net operating income to assets | -0.3522% | 6,705 |
| Return on assets (ROA) | -0.3199% | 6,687 |
| Pretax return on assets | -0.3163% | 6,632 |
| Return on Equity (ROE) | -6.0431% | 6,870 |
| Retained earnings to average equity (ytd only) | -6.0431% | 6,599 |
| Net charge-offs to loans | 6.9305% | 76 |
| Credit loss provision to net charge-offs | 15.6087% | 4,323 |
| Earnings coverage of net charge-offs (x) | 0.0955% | 4,528 |
| Efficiency ratio | 86.2616% | 1,688 |
| Assets per employee ($millions) | 4.7036% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0970% | 59 |
| Loan loss allowance to noncurrent loans | 60.8775% | 4,376 |
| Noncurrent assets plus other real estate owned to assets | 12.6875% | 228 |
| Noncurrent loans to loans | 11.6578% | 298 |
| Net loans and leases to total assets | 76.8958% | 888 |
| Net loans and leases to deposits | 94.0545% | 817 |
| Net loans and leases to core deposits | 109.5553% | 748 |
| Total domestic deposits to total assets | 81.7566% | 5,409 |
| Equity capital to assets | 5.4908% | 7,341 |
| Core capital (leverage) ratio | 5.3085% | 7,328 |
| Tier 1 risk-based capital ratio | 6.3599% | 7,411 |
| Total risk-based capital ratio | 7.6775% | 7,409 |
| Memoranda: | ||
| Average total assets | $333,863,500 | 1,964 |
| Average earning assets | $304,669,000 | 1,956 |
| Average equity | $17,673,000 | 3,453 |
| Average total loans | $277,324,000 | 1,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 2,610 |
| Cost of funding earning assets | 2.1115% | 410 |
| Net interest margin | 3.3019% | 5,969 |
| Noninterest income to average assets | -0.3246% | 7,515 |
| Noninterest expense to average assets | 3.3407% | 2,602 |
| Loan and lease loss provision to assets | 3.4353% | 237 |
| Net operating income to assets | -4.1372% | 7,450 |
| Return on assets (ROA) | -4.0934% | 7,460 |
| Pretax return on assets | -4.0552% | 7,444 |
| Return on Equity (ROE) | -77.5180% | 7,543 |
| Retained earnings to average equity (ytd only) | -77.5180% | 7,540 |
| Net charge-offs to loans | 4.5843% | 233 |
| Credit loss provision to net charge-offs | 88.7711% | 5,180 |
| Earnings coverage of net charge-offs (x) | -0.1715% | 6,271 |
| Efficiency ratio | 124.7941% | 358 |
| Assets per employee ($millions) | 4.2425% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8792% | 47 |
| Loan loss allowance to noncurrent loans | 52.5332% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 14.7437% | 174 |
| Noncurrent loans to loans | 14.9985% | 162 |
| Net loans and leases to total assets | 76.7702% | 1,132 |
| Net loans and leases to deposits | 92.3023% | 1,236 |
| Net loans and leases to core deposits | 108.5636% | 1,009 |
| Total domestic deposits to total assets | 83.1726% | 4,720 |
| Equity capital to assets | 5.1120% | 7,426 |
| Core capital (leverage) ratio | 4.8203% | 7,433 |
| Tier 1 risk-based capital ratio | 6.0058% | 7,478 |
| Total risk-based capital ratio | 7.3341% | 7,477 |
| Memoranda: | ||
| Average total assets | $390,070,400 | 1,685 |
| Average earning assets | $354,586,800 | 1,696 |
| Average equity | $20,597,800 | 3,061 |
| Average total loans | $329,276,000 | 1,361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5238% | 2,342 |
| Cost of funding earning assets | 2.1338% | 477 |
| Net interest margin | 3.3900% | 5,718 |
| Noninterest income to average assets | 0.4250% | 4,763 |
| Noninterest expense to average assets | 3.2669% | 2,684 |
| Loan and lease loss provision to assets | 1.7306% | 727 |
| Net operating income to assets | -1.5123% | 7,111 |
| Return on assets (ROA) | -1.4554% | 7,115 |
| Pretax return on assets | -1.4394% | 7,030 |
| Return on Equity (ROE) | -27.3717% | 7,346 |
| Retained earnings to average equity (ytd only) | -27.3717% | 7,338 |
| Net charge-offs to loans | 5.7068% | 121 |
| Credit loss provision to net charge-offs | 35.8250% | 6,086 |
| Earnings coverage of net charge-offs (x) | 0.0485% | 5,978 |
| Efficiency ratio | 93.3080% | 1,035 |
| Assets per employee ($millions) | 4.7711% | 2,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9065% | 188 |
| Loan loss allowance to noncurrent loans | 41.1699% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 12.4817% | 244 |
| Noncurrent loans to loans | 11.9176% | 296 |
| Net loans and leases to total assets | 77.2987% | 1,164 |
| Net loans and leases to deposits | 97.5390% | 838 |
| Net loans and leases to core deposits | 114.9398% | 796 |
| Total domestic deposits to total assets | 79.2490% | 5,954 |
| Equity capital to assets | 7.6369% | 7,040 |
| Core capital (leverage) ratio | 7.3688% | 6,966 |
| Tier 1 risk-based capital ratio | 8.7002% | 7,415 |
| Total risk-based capital ratio | 9.9910% | 7,425 |
| Memoranda: | ||
| Average total assets | $400,616,750 | 1,674 |
| Average earning assets | $363,535,250 | 1,679 |
| Average equity | $21,301,250 | 3,006 |
| Average total loans | $339,116,250 | 1,329 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6095% | 2,105 |
| Cost of funding earning assets | 2.2100% | 450 |
| Net interest margin | 3.3995% | 5,647 |
| Noninterest income to average assets | 0.3893% | 5,000 |
| Noninterest expense to average assets | 3.1740% | 2,994 |
| Loan and lease loss provision to assets | 1.6219% | 803 |
| Net operating income to assets | -1.3442% | 7,097 |
| Return on assets (ROA) | -1.2975% | 7,083 |
| Pretax return on assets | -1.2739% | 6,997 |
| Return on Equity (ROE) | -28.2575% | 7,412 |
| Retained earnings to average equity (ytd only) | -28.2575% | 7,398 |
| Net charge-offs to loans | 4.3798% | 266 |
| Credit loss provision to net charge-offs | 43.2107% | 5,552 |
| Earnings coverage of net charge-offs (x) | 0.0803% | 5,643 |
| Efficiency ratio | 91.3308% | 1,233 |
| Assets per employee ($millions) | 4.7710% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1540% | 98 |
| Loan loss allowance to noncurrent loans | 51.9439% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 12.8566% | 229 |
| Noncurrent loans to loans | 11.8474% | 296 |
| Net loans and leases to total assets | 77.7944% | 1,145 |
| Net loans and leases to deposits | 94.1417% | 1,257 |
| Net loans and leases to core deposits | 113.1210% | 972 |
| Total domestic deposits to total assets | 82.6354% | 4,724 |
| Equity capital to assets | 4.3988% | 7,671 |
| Core capital (leverage) ratio | 4.3026% | 7,663 |
| Tier 1 risk-based capital ratio | 4.9834% | 7,702 |
| Total risk-based capital ratio | 6.2896% | 7,699 |
| Memoranda: | ||
| Average total assets | $406,926,330 | 1,666 |
| Average earning assets | $369,407,670 | 1,667 |
| Average equity | $18,685,330 | 3,350 |
| Average total loans | $348,734,000 | 1,319 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 2,255 |
| Cost of funding earning assets | 2.1982% | 598 |
| Net interest margin | 3.3785% | 5,676 |
| Noninterest income to average assets | 0.1319% | 7,031 |
| Noninterest expense to average assets | 2.9933% | 3,703 |
| Loan and lease loss provision to assets | 1.3579% | 879 |
| Net operating income to assets | -1.2076% | 7,219 |
| Return on assets (ROA) | -1.1251% | 7,197 |
| Pretax return on assets | -1.0660% | 7,082 |
| Return on Equity (ROE) | -24.0184% | 7,487 |
| Retained earnings to average equity (ytd only) | -24.0184% | 7,444 |
| Net charge-offs to loans | 4.6578% | 270 |
| Credit loss provision to net charge-offs | 33.4928% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.0517% | 4,994 |
| Efficiency ratio | 93.4585% | 1,171 |
| Assets per employee ($millions) | 4.6640% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1390% | 92 |
| Loan loss allowance to noncurrent loans | 59.8076% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 11.6580% | 286 |
| Noncurrent loans to loans | 10.2645% | 407 |
| Net loans and leases to total assets | 81.0529% | 710 |
| Net loans and leases to deposits | 100.9060% | 701 |
| Net loans and leases to core deposits | 120.8389% | 754 |
| Total domestic deposits to total assets | 80.3251% | 5,677 |
| Equity capital to assets | 4.5852% | 7,755 |
| Core capital (leverage) ratio | 4.5810% | 7,736 |
| Tier 1 risk-based capital ratio | 5.1428% | 7,790 |
| Total risk-based capital ratio | 6.4506% | 7,788 |
| Memoranda: | ||
| Average total assets | $412,394,500 | 1,691 |
| Average earning assets | $374,845,000 | 1,687 |
| Average equity | $19,318,500 | 3,288 |
| Average total loans | $358,971,500 | 1,316 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7633% | 2,808 |
| Cost of funding earning assets | 2.4614% | 1,118 |
| Net interest margin | 3.3019% | 5,739 |
| Noninterest income to average assets | 0.2029% | 6,655 |
| Noninterest expense to average assets | 2.9445% | 4,367 |
| Loan and lease loss provision to assets | 4.6496% | 247 |
| Net operating income to assets | -4.3414% | 7,659 |
| Return on assets (ROA) | -4.3140% | 7,652 |
| Pretax return on assets | -4.3158% | 7,602 |
| Return on Equity (ROE) | -55.4285% | 7,729 |
| Retained earnings to average equity (ytd only) | -55.4285% | 7,724 |
| Net charge-offs to loans | 1.3424% | 1,857 |
| Credit loss provision to net charge-offs | 415.8988% | 758 |
| Earnings coverage of net charge-offs (x) | 0.2741% | 5,836 |
| Efficiency ratio | 90.5751% | 1,664 |
| Assets per employee ($millions) | 4.7627% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7501% | 68 |
| Loan loss allowance to noncurrent loans | 83.4711% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 9.1530% | 436 |
| Noncurrent loans to loans | 8.0868% | 616 |
| Net loans and leases to total assets | 81.8087% | 714 |
| Net loans and leases to deposits | 102.3311% | 733 |
| Net loans and leases to core deposits | 118.9692% | 2,037 |
| Total domestic deposits to total assets | 79.9451% | 5,682 |
| Equity capital to assets | 4.7828% | 7,804 |
| Core capital (leverage) ratio | 4.5346% | 7,802 |
| Tier 1 risk-based capital ratio | 5.3962% | 7,850 |
| Total risk-based capital ratio | 6.7124% | 7,851 |
| Memoranda: | ||
| Average total assets | $456,278,600 | 1,515 |
| Average earning assets | $421,179,000 | 1,502 |
| Average equity | $35,512,400 | 1,898 |
| Average total loans | $379,989,000 | 1,264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 3,114 |
| Cost of funding earning assets | 2.5011% | 1,295 |
| Net interest margin | 3.2445% | 5,865 |
| Noninterest income to average assets | 0.5782% | 3,867 |
| Noninterest expense to average assets | 2.5160% | 6,020 |
| Loan and lease loss provision to assets | 1.4840% | 1,294 |
| Net operating income to assets | -0.4137% | 6,338 |
| Return on assets (ROA) | -0.3913% | 6,306 |
| Pretax return on assets | -0.3933% | 6,191 |
| Return on Equity (ROE) | -4.6319% | 6,411 |
| Retained earnings to average equity (ytd only) | -4.6319% | 6,208 |
| Net charge-offs to loans | 1.2319% | 1,660 |
| Credit loss provision to net charge-offs | 146.3793% | 3,318 |
| Earnings coverage of net charge-offs (x) | 1.0535% | 5,000 |
| Efficiency ratio | 70.2000% | 4,551 |
| Assets per employee ($millions) | 4.5659% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7762% | 813 |
| Loan loss allowance to noncurrent loans | 38.5425% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 7.8372% | 558 |
| Noncurrent loans to loans | 7.2029% | 735 |
| Net loans and leases to total assets | 75.7224% | 2,057 |
| Net loans and leases to deposits | 99.2318% | 1,186 |
| Net loans and leases to core deposits | 117.3106% | 2,489 |
| Total domestic deposits to total assets | 76.3086% | 6,527 |
| Equity capital to assets | 8.2304% | 6,599 |
| Core capital (leverage) ratio | 8.2787% | 5,874 |
| Tier 1 risk-based capital ratio | 9.7718% | 7,161 |
| Total risk-based capital ratio | 11.0380% | 7,112 |
| Memoranda: | ||
| Average total assets | $466,759,000 | 1,496 |
| Average earning assets | $432,437,250 | 1,477 |
| Average equity | $39,436,000 | 1,723 |
| Average total loans | $384,106,750 | 1,269 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9317% | 2,451 |
| Cost of funding earning assets | 2.5831% | 1,335 |
| Net interest margin | 3.3486% | 5,369 |
| Noninterest income to average assets | 0.5815% | 3,829 |
| Noninterest expense to average assets | 2.5091% | 6,090 |
| Loan and lease loss provision to assets | 1.1668% | 1,473 |
| Net operating income to assets | 0.0261% | 5,770 |
| Return on assets (ROA) | 0.1815% | 5,416 |
| Pretax return on assets | 0.1777% | 5,519 |
| Return on Equity (ROE) | 2.1304% | 5,246 |
| Retained earnings to average equity (ytd only) | 2.1304% | 4,161 |
| Net charge-offs to loans | 0.1825% | 4,424 |
| Credit loss provision to net charge-offs | 763.3053% | 615 |
| Earnings coverage of net charge-offs (x) | 7.7787% | 2,387 |
| Efficiency ratio | 67.8476% | 5,179 |
| Assets per employee ($millions) | 4.4797% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8664% | 638 |
| Loan loss allowance to noncurrent loans | 54.8040% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 5.5247% | 913 |
| Noncurrent loans to loans | 5.2303% | 1,140 |
| Net loans and leases to total assets | 80.0356% | 1,307 |
| Net loans and leases to deposits | 107.7546% | 664 |
| Net loans and leases to core deposits | 129.0479% | 1,648 |
| Total domestic deposits to total assets | 74.2758% | 6,914 |
| Equity capital to assets | 8.6882% | 5,771 |
| Core capital (leverage) ratio | 8.7295% | 5,040 |
| Tier 1 risk-based capital ratio | 10.0734% | 6,851 |
| Total risk-based capital ratio | 11.3414% | 6,757 |
| Memoranda: | ||
| Average total assets | $467,103,670 | 1,524 |
| Average earning assets | $434,748,330 | 1,483 |
| Average equity | $39,804,330 | 1,711 |
| Average total loans | $391,233,000 | 1,268 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 1,929 |
| Cost of funding earning assets | 2.6651% | 1,359 |
| Net interest margin | 3.4382% | 4,980 |
| Noninterest income to average assets | 0.6726% | 3,052 |
| Noninterest expense to average assets | 2.3457% | 6,385 |
| Loan and lease loss provision to assets | 1.2918% | 996 |
| Net operating income to assets | 0.2524% | 5,476 |
| Return on assets (ROA) | 0.3422% | 5,287 |
| Pretax return on assets | 0.3422% | 5,552 |
| Return on Equity (ROE) | 4.0545% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.0545% | 3,643 |
| Net charge-offs to loans | 0.5329% | 2,123 |
| Credit loss provision to net charge-offs | 287.1940% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3.4331% | 3,181 |
| Efficiency ratio | 60.3005% | 6,354 |
| Assets per employee ($millions) | 4.3733% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4167% | 833 |
| Loan loss allowance to noncurrent loans | 55.1212% | 4,891 |
| Noncurrent assets plus other real estate owned to assets | 4.5907% | 1,036 |
| Noncurrent loans to loans | 4.3844% | 1,330 |
| Net loans and leases to total assets | 82.0331% | 1,015 |
| Net loans and leases to deposits | 111.8892% | 527 |
| Net loans and leases to core deposits | 142.3823% | 992 |
| Total domestic deposits to total assets | 73.3163% | 6,998 |
| Equity capital to assets | 8.5955% | 5,919 |
| Core capital (leverage) ratio | 8.4819% | 5,577 |
| Tier 1 risk-based capital ratio | 9.6961% | 7,262 |
| Total risk-based capital ratio | 10.9588% | 7,155 |
| Memoranda: | ||
| Average total assets | $472,191,500 | 1,516 |
| Average earning assets | $441,857,500 | 1,465 |
| Average equity | $39,857,000 | 1,711 |
| Average total loans | $398,601,000 | 1,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5172% | 2,880 |
| Cost of funding earning assets | 3.2538% | 1,036 |
| Net interest margin | 3.2633% | 6,171 |
| Noninterest income to average assets | 0.9535% | 1,751 |
| Noninterest expense to average assets | 2.7679% | 4,965 |
| Loan and lease loss provision to assets | 1.9878% | 608 |
| Net operating income to assets | -1.0835% | 7,284 |
| Return on assets (ROA) | -2.0056% | 7,568 |
| Pretax return on assets | -1.6655% | 7,331 |
| Return on Equity (ROE) | -24.5666% | 7,854 |
| Retained earnings to average equity (ytd only) | -24.5666% | 7,797 |
| Net charge-offs to loans | 1.5024% | 774 |
| Credit loss provision to net charge-offs | 157.0513% | 3,313 |
| Earnings coverage of net charge-offs (x) | 0.9832% | 5,638 |
| Efficiency ratio | 68.9854% | 4,539 |
| Assets per employee ($millions) | 4.4111% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 1,122 |
| Loan loss allowance to noncurrent loans | 39.6816% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 4.4705% | 847 |
| Noncurrent loans to loans | 5.2095% | 815 |
| Net loans and leases to total assets | 83.0009% | 1,047 |
| Net loans and leases to deposits | 119.0356% | 406 |
| Net loans and leases to core deposits | 151.8602% | 789 |
| Total domestic deposits to total assets | 69.7279% | 7,308 |
| Equity capital to assets | 8.2918% | 6,434 |
| Core capital (leverage) ratio | 8.1327% | 6,280 |
| Tier 1 risk-based capital ratio | 9.1745% | 7,640 |
| Total risk-based capital ratio | 10.4331% | 7,593 |
| Memoranda: | ||
| Average total assets | $493,011,400 | 1,377 |
| Average earning assets | $462,102,800 | 1,348 |
| Average equity | $40,249,800 | 1,670 |
| Average total loans | $415,346,200 | 1,159 |