Home > The Bank of Commerce > Performance and Condition Ratios
The Bank of Commerce, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 3,887 |
| Cost of funding earning assets | 0.9015% | 295 |
| Net interest margin | 2.9056% | 5,134 |
| Noninterest income to average assets | 0.3030% | 4,578 |
| Noninterest expense to average assets | 3.8180% | 765 |
| Loan and lease loss provision to assets | -0.6199% | 5,891 |
| Net operating income to assets | -0.2435% | 5,727 |
| Return on assets (ROA) | -0.0912% | 5,693 |
| Pretax return on assets | -0.0912% | 5,690 |
| Return on Equity (ROE) | -3.1762% | 5,759 |
| Retained earnings to average equity (ytd only) | -3.1762% | 5,594 |
| Net charge-offs to loans | -0.5428% | 5,840 |
| Credit loss provision to net charge-offs | 171.2329% | 1,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.2212% | 61 |
| Assets per employee ($millions) | 6.0880% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 1,160 |
| Loan loss allowance to noncurrent loans | 115.5567% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 5.3247% | 110 |
| Noncurrent loans to loans | 1.4629% | 1,386 |
| Net loans and leases to total assets | 69.0623% | 2,614 |
| Net loans and leases to deposits | 88.7126% | 1,841 |
| Net loans and leases to core deposits | 92.4453% | 2,256 |
| Total domestic deposits to total assets | 77.8494% | 4,996 |
| Equity capital to assets | 2.4091% | 5,905 |
| Core capital (leverage) ratio | 2.9755% | 5,903 |
| Tier 1 risk-based capital ratio | 3.9567% | 5,904 |
| Total risk-based capital ratio | 6.6166% | 5,896 |
| Memoranda: | ||
| Average total assets | $201,652,600 | 2,937 |
| Average earning assets | $184,021,600 | 2,972 |
| Average equity | $5,793,000 | 5,312 |
| Average total loans | $134,476,000 | 2,858 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 3,992 |
| Cost of funding earning assets | 0.8917% | 308 |
| Net interest margin | 2.8858% | 5,214 |
| Noninterest income to average assets | 0.3443% | 4,323 |
| Noninterest expense to average assets | 3.3790% | 1,385 |
| Loan and lease loss provision to assets | -0.8075% | 5,965 |
| Net operating income to assets | 0.4005% | 5,015 |
| Return on assets (ROA) | 0.5988% | 4,414 |
| Pretax return on assets | 0.5988% | 4,883 |
| Return on Equity (ROE) | 20.1257% | 236 |
| Retained earnings to average equity (ytd only) | 20.1257% | 59 |
| Net charge-offs to loans | -0.8087% | 5,913 |
| Credit loss provision to net charge-offs | 151.5152% | 1,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6927% | 108 |
| Assets per employee ($millions) | 5.9312% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7067% | 1,206 |
| Loan loss allowance to noncurrent loans | 119.8518% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 5.4816% | 118 |
| Noncurrent loans to loans | 1.4240% | 1,525 |
| Net loans and leases to total assets | 66.6176% | 3,021 |
| Net loans and leases to deposits | 85.3947% | 2,323 |
| Net loans and leases to core deposits | 88.7248% | 2,686 |
| Total domestic deposits to total assets | 78.0114% | 4,911 |
| Equity capital to assets | 3.5759% | 5,970 |
| Core capital (leverage) ratio | 3.2863% | 5,971 |
| Tier 1 risk-based capital ratio | 4.5634% | 5,969 |
| Total risk-based capital ratio | 7.8488% | 5,957 |
| Memoranda: | ||
| Average total assets | $206,405,500 | 2,906 |
| Average earning assets | $187,951,000 | 2,932 |
| Average equity | $6,141,250 | 5,310 |
| Average total loans | $136,018,750 | 2,837 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6826% | 4,350 |
| Cost of funding earning assets | 0.8816% | 319 |
| Net interest margin | 2.8010% | 5,424 |
| Noninterest income to average assets | 0.2953% | 4,667 |
| Noninterest expense to average assets | 3.3587% | 1,463 |
| Loan and lease loss provision to assets | -1.1907% | 6,045 |
| Net operating income to assets | 0.6696% | 3,963 |
| Return on assets (ROA) | 0.9621% | 2,714 |
| Pretax return on assets | 0.9621% | 3,735 |
| Return on Equity (ROE) | 34.4985% | 30 |
| Retained earnings to average equity (ytd only) | 34.4985% | 15 |
| Net charge-offs to loans | -1.2031% | 5,997 |
| Credit loss provision to net charge-offs | 151.5152% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3619% | 96 |
| Assets per employee ($millions) | 6.3357% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 1,342 |
| Loan loss allowance to noncurrent loans | 183.5494% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 6.2915% | 99 |
| Noncurrent loans to loans | 0.9093% | 2,466 |
| Net loans and leases to total assets | 63.8277% | 3,388 |
| Net loans and leases to deposits | 80.4200% | 2,880 |
| Net loans and leases to core deposits | 83.7254% | 3,110 |
| Total domestic deposits to total assets | 79.3679% | 4,704 |
| Equity capital to assets | 3.3562% | 6,045 |
| Core capital (leverage) ratio | 3.2617% | 6,046 |
| Tier 1 risk-based capital ratio | 4.4426% | 6,045 |
| Total risk-based capital ratio | 7.6495% | 6,035 |
| Memoranda: | ||
| Average total assets | $209,964,330 | 2,887 |
| Average earning assets | $190,572,330 | 2,920 |
| Average equity | $5,855,330 | 5,413 |
| Average total loans | $137,140,330 | 2,832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,005 |
| Cost of funding earning assets | 0.8728% | 334 |
| Net interest margin | 2.9093% | 5,308 |
| Noninterest income to average assets | 0.3251% | 4,411 |
| Noninterest expense to average assets | 3.2736% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3061% | 5,917 |
| Return on assets (ROA) | 0.0513% | 5,777 |
| Pretax return on assets | 0.0513% | 5,779 |
| Return on Equity (ROE) | 2.0476% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.0476% | 4,440 |
| Net charge-offs to loans | -3.1425% | 6,072 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3139% | 151 |
| Assets per employee ($millions) | 6.4023% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8158% | 271 |
| Loan loss allowance to noncurrent loans | 192.5472% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 6.6950% | 97 |
| Noncurrent loans to loans | 1.4624% | 1,613 |
| Net loans and leases to total assets | 61.6191% | 3,579 |
| Net loans and leases to deposits | 76.6992% | 3,141 |
| Net loans and leases to core deposits | 79.2837% | 3,387 |
| Total domestic deposits to total assets | 80.3386% | 4,672 |
| Equity capital to assets | 2.6458% | 6,109 |
| Core capital (leverage) ratio | 2.7416% | 6,109 |
| Tier 1 risk-based capital ratio | 3.8302% | 6,114 |
| Total risk-based capital ratio | 7.0102% | 6,100 |
| Memoranda: | ||
| Average total assets | $210,408,000 | 2,891 |
| Average earning assets | $191,113,000 | 2,919 |
| Average equity | $5,274,500 | 5,560 |
| Average total loans | $137,853,500 | 2,828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0433% | 3,146 |
| Cost of funding earning assets | 0.8143% | 454 |
| Net interest margin | 3.2290% | 4,535 |
| Noninterest income to average assets | 0.2786% | 4,890 |
| Noninterest expense to average assets | 3.7151% | 959 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.5106% | 6,047 |
| Return on assets (ROA) | -0.4484% | 6,040 |
| Pretax return on assets | -0.4484% | 6,028 |
| Return on Equity (ROE) | -16.0001% | 6,126 |
| Retained earnings to average equity (ytd only) | -16.0001% | 6,098 |
| Net charge-offs to loans | 0.1276% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -5.9290% | 4,410 |
| Efficiency ratio | 115.9325% | 107 |
| Assets per employee ($millions) | 6.3497% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 961 |
| Loan loss allowance to noncurrent loans | 175.0163% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 6.5491% | 118 |
| Noncurrent loans to loans | 1.0843% | 2,171 |
| Net loans and leases to total assets | 66.3638% | 2,933 |
| Net loans and leases to deposits | 82.4585% | 2,534 |
| Net loans and leases to core deposits | 84.9650% | 2,882 |
| Total domestic deposits to total assets | 80.4814% | 4,616 |
| Equity capital to assets | 2.3666% | 6,176 |
| Core capital (leverage) ratio | 2.7230% | 6,169 |
| Tier 1 risk-based capital ratio | 3.4974% | 6,176 |
| Total risk-based capital ratio | 6.5005% | 6,164 |
| Memoranda: | ||
| Average total assets | $212,510,600 | 2,815 |
| Average earning assets | $192,565,000 | 2,865 |
| Average equity | $5,956,200 | 5,445 |
| Average total loans | $143,394,600 | 2,689 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,214 |
| Cost of funding earning assets | 0.8099% | 469 |
| Net interest margin | 3.2196% | 4,611 |
| Noninterest income to average assets | 0.3045% | 4,763 |
| Noninterest expense to average assets | 3.3099% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0900% | 5,995 |
| Return on assets (ROA) | -0.0075% | 5,977 |
| Pretax return on assets | -0.0075% | 5,972 |
| Return on Equity (ROE) | -0.2578% | 5,988 |
| Retained earnings to average equity (ytd only) | -0.2578% | 5,653 |
| Net charge-offs to loans | 0.2179% | 1,199 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.6128% | 4,037 |
| Efficiency ratio | 102.7961% | 238 |
| Assets per employee ($millions) | 6.3938% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 1,150 |
| Loan loss allowance to noncurrent loans | 213.4304% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 6.3613% | 129 |
| Noncurrent loans to loans | 0.8726% | 2,801 |
| Net loans and leases to total assets | 65.8858% | 3,032 |
| Net loans and leases to deposits | 82.1704% | 2,629 |
| Net loans and leases to core deposits | 85.4168% | 2,911 |
| Total domestic deposits to total assets | 80.1819% | 4,700 |
| Equity capital to assets | 2.7821% | 6,258 |
| Core capital (leverage) ratio | 3.1884% | 6,253 |
| Tier 1 risk-based capital ratio | 4.0578% | 6,259 |
| Total risk-based capital ratio | 7.3414% | 6,245 |
| Memoranda: | ||
| Average total assets | $213,253,500 | 2,829 |
| Average earning assets | $193,103,250 | 2,883 |
| Average equity | $6,205,500 | 5,458 |
| Average total loans | $143,806,250 | 2,700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0265% | 3,181 |
| Cost of funding earning assets | 0.8022% | 491 |
| Net interest margin | 3.2243% | 4,588 |
| Noninterest income to average assets | 0.2906% | 4,887 |
| Noninterest expense to average assets | 3.2793% | 1,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0701% | 6,037 |
| Return on assets (ROA) | 0.0533% | 5,970 |
| Pretax return on assets | 0.0533% | 5,977 |
| Return on Equity (ROE) | 1.8046% | 5,729 |
| Retained earnings to average equity (ytd only) | 1.8046% | 4,797 |
| Net charge-offs to loans | 0.3889% | 668 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.2669% | 3,731 |
| Efficiency ratio | 102.1840% | 281 |
| Assets per employee ($millions) | 6.6011% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 1,365 |
| Loan loss allowance to noncurrent loans | 206.4542% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 6.3631% | 144 |
| Noncurrent loans to loans | 0.8732% | 2,948 |
| Net loans and leases to total assets | 66.8114% | 2,816 |
| Net loans and leases to deposits | 82.9985% | 2,435 |
| Net loans and leases to core deposits | 85.9458% | 2,773 |
| Total domestic deposits to total assets | 80.4971% | 4,748 |
| Equity capital to assets | 2.4967% | 6,334 |
| Core capital (leverage) ratio | 3.1708% | 6,331 |
| Tier 1 risk-based capital ratio | 4.0331% | 6,335 |
| Total risk-based capital ratio | 7.3035% | 6,322 |
| Memoranda: | ||
| Average total assets | $214,006,670 | 2,847 |
| Average earning assets | $193,716,670 | 2,895 |
| Average equity | $6,317,330 | 5,484 |
| Average total loans | $144,524,000 | 2,692 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,285 |
| Cost of funding earning assets | 0.7825% | 560 |
| Net interest margin | 3.2013% | 4,606 |
| Noninterest income to average assets | 0.2470% | 5,190 |
| Noninterest expense to average assets | 3.2568% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1003% | 6,106 |
| Return on assets (ROA) | 0.1448% | 5,873 |
| Pretax return on assets | 0.1448% | 5,903 |
| Return on Equity (ROE) | 4.5395% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.5395% | 3,304 |
| Net charge-offs to loans | 0.4526% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.3293% | 3,136 |
| Efficiency ratio | 103.1765% | 282 |
| Assets per employee ($millions) | 6.6111% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 1,312 |
| Loan loss allowance to noncurrent loans | 213.6435% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 6.0119% | 171 |
| Noncurrent loans to loans | 0.8826% | 3,040 |
| Net loans and leases to total assets | 64.6123% | 3,006 |
| Net loans and leases to deposits | 80.4077% | 2,522 |
| Net loans and leases to core deposits | 83.1453% | 2,853 |
| Total domestic deposits to total assets | 80.3558% | 4,973 |
| Equity capital to assets | 3.2177% | 6,403 |
| Core capital (leverage) ratio | 3.2392% | 6,402 |
| Tier 1 risk-based capital ratio | 4.1321% | 6,407 |
| Total risk-based capital ratio | 7.3870% | 6,388 |
| Memoranda: | ||
| Average total assets | $215,426,500 | 2,850 |
| Average earning assets | $195,794,000 | 2,884 |
| Average equity | $6,873,000 | 5,431 |
| Average total loans | $144,926,000 | 2,694 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1494% | 3,126 |
| Cost of funding earning assets | 0.9340% | 320 |
| Net interest margin | 3.2155% | 4,870 |
| Noninterest income to average assets | 0.4776% | 3,665 |
| Noninterest expense to average assets | 3.5208% | 1,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1841% | 6,200 |
| Return on assets (ROA) | -0.1556% | 6,184 |
| Pretax return on assets | -0.1556% | 6,167 |
| Return on Equity (ROE) | -7.2184% | 6,327 |
| Retained earnings to average equity (ytd only) | -7.2184% | 6,248 |
| Net charge-offs to loans | -0.0150% | 5,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5182% | 267 |
| Assets per employee ($millions) | 6.6356% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 1,172 |
| Loan loss allowance to noncurrent loans | 195.0441% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 6.3102% | 183 |
| Noncurrent loans to loans | 1.0077% | 2,812 |
| Net loans and leases to total assets | 67.4902% | 2,649 |
| Net loans and leases to deposits | 84.2032% | 2,188 |
| Net loans and leases to core deposits | 87.1549% | 2,597 |
| Total domestic deposits to total assets | 80.1516% | 4,974 |
| Equity capital to assets | 3.0037% | 6,493 |
| Core capital (leverage) ratio | 3.0389% | 6,494 |
| Tier 1 risk-based capital ratio | 4.0716% | 6,494 |
| Total risk-based capital ratio | 7.3640% | 6,477 |
| Memoranda: | ||
| Average total assets | $213,983,400 | 2,843 |
| Average earning assets | $190,266,600 | 2,902 |
| Average equity | $4,613,200 | 5,955 |
| Average total loans | $146,516,600 | 2,619 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1464% | 3,184 |
| Cost of funding earning assets | 0.9807% | 268 |
| Net interest margin | 3.1657% | 5,076 |
| Noninterest income to average assets | 0.5566% | 3,159 |
| Noninterest expense to average assets | 3.5609% | 1,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2058% | 6,269 |
| Return on assets (ROA) | -0.1872% | 6,267 |
| Pretax return on assets | -0.1872% | 6,250 |
| Return on Equity (ROE) | -9.6194% | 6,438 |
| Retained earnings to average equity (ytd only) | -9.6194% | 6,368 |
| Net charge-offs to loans | 0.0073% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -41.3608% | 4,672 |
| Efficiency ratio | 106.1353% | 270 |
| Assets per employee ($millions) | 6.3924% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9634% | 1,323 |
| Loan loss allowance to noncurrent loans | 193.0075% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 6.7665% | 180 |
| Noncurrent loans to loans | 1.0172% | 3,039 |
| Net loans and leases to total assets | 67.2956% | 2,650 |
| Net loans and leases to deposits | 83.4828% | 2,226 |
| Net loans and leases to core deposits | 85.9613% | 2,674 |
| Total domestic deposits to total assets | 80.6101% | 4,941 |
| Equity capital to assets | 2.4413% | 6,571 |
| Core capital (leverage) ratio | 3.0497% | 6,567 |
| Tier 1 risk-based capital ratio | 4.1139% | 6,570 |
| Total risk-based capital ratio | 7.4275% | 6,551 |
| Memoranda: | ||
| Average total assets | $214,394,500 | 2,861 |
| Average earning assets | $189,524,250 | 2,937 |
| Average equity | $4,172,000 | 6,119 |
| Average total loans | $146,600,500 | 2,635 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0939% | 3,372 |
| Cost of funding earning assets | 0.9891% | 268 |
| Net interest margin | 3.1048% | 5,242 |
| Noninterest income to average assets | 0.7581% | 2,013 |
| Noninterest expense to average assets | 3.6141% | 1,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.1327% | 6,279 |
| Return on assets (ROA) | -0.1049% | 6,273 |
| Pretax return on assets | -0.1049% | 6,259 |
| Return on Equity (ROE) | -5.8762% | 6,452 |
| Retained earnings to average equity (ytd only) | -5.8762% | 6,287 |
| Net charge-offs to loans | 0.0163% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -11.9167% | 4,319 |
| Efficiency ratio | 103.8113% | 322 |
| Assets per employee ($millions) | 6.4397% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9531% | 1,451 |
| Loan loss allowance to noncurrent loans | 91.4626% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 8.1239% | 132 |
| Noncurrent loans to loans | 2.1354% | 1,557 |
| Net loans and leases to total assets | 67.0637% | 2,565 |
| Net loans and leases to deposits | 82.8241% | 2,161 |
| Net loans and leases to core deposits | 85.2471% | 2,586 |
| Total domestic deposits to total assets | 80.9712% | 4,991 |
| Equity capital to assets | 2.2258% | 6,643 |
| Core capital (leverage) ratio | 3.0800% | 6,632 |
| Tier 1 risk-based capital ratio | 4.2000% | 6,638 |
| Total risk-based capital ratio | 7.5543% | 6,608 |
| Memoranda: | ||
| Average total assets | $215,542,670 | 2,862 |
| Average earning assets | $189,061,000 | 2,966 |
| Average equity | $3,846,000 | 6,233 |
| Average total loans | $147,199,670 | 2,623 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0940% | 3,306 |
| Cost of funding earning assets | 1.0017% | 272 |
| Net interest margin | 3.0923% | 5,278 |
| Noninterest income to average assets | 0.9914% | 1,149 |
| Noninterest expense to average assets | 3.8109% | 966 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.1401% | 6,311 |
| Return on assets (ROA) | -0.1161% | 6,307 |
| Pretax return on assets | -0.1161% | 6,293 |
| Return on Equity (ROE) | -7.4031% | 6,521 |
| Retained earnings to average equity (ytd only) | -7.4031% | 6,260 |
| Net charge-offs to loans | 0.0540% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -3.8000% | 3,567 |
| Efficiency ratio | 103.8153% | 379 |
| Assets per employee ($millions) | 6.6181% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 1,692 |
| Loan loss allowance to noncurrent loans | 153.5249% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 10.4498% | 107 |
| Noncurrent loans to loans | 1.2514% | 2,947 |
| Net loans and leases to total assets | 66.1775% | 2,538 |
| Net loans and leases to deposits | 80.7903% | 2,192 |
| Net loans and leases to core deposits | 83.0555% | 2,639 |
| Total domestic deposits to total assets | 81.9127% | 4,969 |
| Equity capital to assets | 1.7551% | 6,719 |
| Core capital (leverage) ratio | 3.0668% | 6,701 |
| Tier 1 risk-based capital ratio | 4.0665% | 6,708 |
| Total risk-based capital ratio | 7.3552% | 6,677 |
| Memoranda: | ||
| Average total assets | $217,059,000 | 2,862 |
| Average earning assets | $188,078,000 | 2,991 |
| Average equity | $3,404,000 | 6,365 |
| Average total loans | $148,121,500 | 2,611 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 3,268 |
| Cost of funding earning assets | 1.0312% | 388 |
| Net interest margin | 3.1894% | 5,036 |
| Noninterest income to average assets | 0.6379% | 2,876 |
| Noninterest expense to average assets | 3.8402% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.3935% | 6,456 |
| Return on assets (ROA) | -0.3339% | 6,448 |
| Pretax return on assets | -0.3339% | 6,427 |
| Return on Equity (ROE) | -15.0509% | 6,644 |
| Retained earnings to average equity (ytd only) | -15.0509% | 6,617 |
| Net charge-offs to loans | 0.3509% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.5982% | 5,302 |
| Efficiency ratio | 111.4170% | 250 |
| Assets per employee ($millions) | 6.5370% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,749 |
| Loan loss allowance to noncurrent loans | 154.7774% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 10.9910% | 106 |
| Noncurrent loans to loans | 1.2372% | 3,067 |
| Net loans and leases to total assets | 67.6945% | 2,408 |
| Net loans and leases to deposits | 82.4560% | 2,138 |
| Net loans and leases to core deposits | 84.6155% | 2,598 |
| Total domestic deposits to total assets | 82.0978% | 4,838 |
| Equity capital to assets | 1.3791% | 6,800 |
| Core capital (leverage) ratio | 3.0803% | 6,773 |
| Tier 1 risk-based capital ratio | 4.0262% | 6,784 |
| Total risk-based capital ratio | 7.2948% | 6,753 |
| Memoranda: | ||
| Average total assets | $221,341,200 | 2,801 |
| Average earning assets | $194,926,400 | 2,891 |
| Average equity | $4,910,000 | 6,086 |
| Average total loans | $155,320,600 | 2,490 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1957% | 3,400 |
| Cost of funding earning assets | 1.0324% | 420 |
| Net interest margin | 3.1634% | 5,106 |
| Noninterest income to average assets | 0.6548% | 2,859 |
| Noninterest expense to average assets | 3.8506% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.3969% | 6,566 |
| Return on assets (ROA) | -0.3178% | 6,547 |
| Pretax return on assets | -0.3178% | 6,527 |
| Return on Equity (ROE) | -13.1259% | 6,720 |
| Retained earnings to average equity (ytd only) | -13.1259% | 6,685 |
| Net charge-offs to loans | 0.3432% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.6411% | 5,061 |
| Efficiency ratio | 111.4905% | 252 |
| Assets per employee ($millions) | 6.4507% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 1,775 |
| Loan loss allowance to noncurrent loans | 155.2386% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 10.7230% | 121 |
| Noncurrent loans to loans | 1.2742% | 3,276 |
| Net loans and leases to total assets | 67.6263% | 2,348 |
| Net loans and leases to deposits | 82.0917% | 2,127 |
| Net loans and leases to core deposits | 84.0378% | 2,651 |
| Total domestic deposits to total assets | 82.3790% | 4,798 |
| Equity capital to assets | 1.3277% | 6,885 |
| Core capital (leverage) ratio | 3.1648% | 6,855 |
| Tier 1 risk-based capital ratio | 4.1059% | 6,865 |
| Total risk-based capital ratio | 7.4154% | 6,823 |
| Memoranda: | ||
| Average total assets | $222,746,000 | 2,804 |
| Average earning assets | $197,084,750 | 2,885 |
| Average equity | $5,393,750 | 6,037 |
| Average total loans | $156,930,000 | 2,473 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1868% | 3,427 |
| Cost of funding earning assets | 1.0277% | 470 |
| Net interest margin | 3.1591% | 5,089 |
| Noninterest income to average assets | 0.6503% | 2,915 |
| Noninterest expense to average assets | 3.7903% | 1,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3225% | 6,564 |
| Return on assets (ROA) | -0.2046% | 6,525 |
| Pretax return on assets | -0.2046% | 6,498 |
| Return on Equity (ROE) | -7.3622% | 6,700 |
| Retained earnings to average equity (ytd only) | -7.3622% | 6,588 |
| Net charge-offs to loans | 0.2834% | 2,066 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -1.6044% | 4,749 |
| Efficiency ratio | 109.2993% | 290 |
| Assets per employee ($millions) | 6.6657% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0360% | 1,776 |
| Loan loss allowance to noncurrent loans | 46.8815% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 10.8398% | 128 |
| Noncurrent loans to loans | 4.3429% | 829 |
| Net loans and leases to total assets | 69.3850% | 2,001 |
| Net loans and leases to deposits | 84.8968% | 1,699 |
| Net loans and leases to core deposits | 86.5809% | 2,279 |
| Total domestic deposits to total assets | 81.7286% | 5,137 |
| Equity capital to assets | 2.0617% | 6,928 |
| Core capital (leverage) ratio | 3.2618% | 6,895 |
| Tier 1 risk-based capital ratio | 4.2798% | 6,908 |
| Total risk-based capital ratio | 7.6771% | 6,861 |
| Memoranda: | ||
| Average total assets | $223,887,000 | 2,805 |
| Average earning assets | $199,677,330 | 2,878 |
| Average equity | $6,221,000 | 5,874 |
| Average total loans | $158,802,330 | 2,461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 3,326 |
| Cost of funding earning assets | 1.0283% | 523 |
| Net interest margin | 3.1664% | 5,039 |
| Noninterest income to average assets | 0.5455% | 3,472 |
| Noninterest expense to average assets | 3.7689% | 1,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3985% | 6,627 |
| Return on assets (ROA) | -0.1647% | 6,535 |
| Pretax return on assets | -0.1647% | 6,525 |
| Return on Equity (ROE) | -5.2661% | 6,703 |
| Retained earnings to average equity (ytd only) | -5.2661% | 6,381 |
| Net charge-offs to loans | 0.1822% | 2,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -3.0822% | 4,047 |
| Efficiency ratio | 111.8234% | 306 |
| Assets per employee ($millions) | 6.5927% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,779 |
| Loan loss allowance to noncurrent loans | 46.9748% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 10.3724% | 174 |
| Noncurrent loans to loans | 4.4824% | 927 |
| Net loans and leases to total assets | 68.9247% | 1,857 |
| Net loans and leases to deposits | 84.9771% | 1,474 |
| Net loans and leases to core deposits | 86.7619% | 2,037 |
| Total domestic deposits to total assets | 81.1097% | 5,469 |
| Equity capital to assets | 3.0158% | 6,980 |
| Core capital (leverage) ratio | 3.3329% | 6,958 |
| Tier 1 risk-based capital ratio | 4.3563% | 6,970 |
| Total risk-based capital ratio | 7.7928% | 6,916 |
| Memoranda: | ||
| Average total assets | $225,847,000 | 2,815 |
| Average earning assets | $201,492,000 | 2,883 |
| Average equity | $7,064,000 | 5,727 |
| Average total loans | $160,305,500 | 2,446 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 4,200 |
| Cost of funding earning assets | 1.0720% | 1,012 |
| Net interest margin | 3.2259% | 5,506 |
| Noninterest income to average assets | 0.2869% | 5,421 |
| Noninterest expense to average assets | 3.4235% | 2,002 |
| Loan and lease loss provision to assets | 0.4300% | 1,486 |
| Net operating income to assets | -0.6418% | 6,628 |
| Return on assets (ROA) | 0.1629% | 6,027 |
| Pretax return on assets | 0.1629% | 6,045 |
| Return on Equity (ROE) | 5.3405% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.3405% | 2,475 |
| Net charge-offs to loans | 1.0572% | 1,013 |
| Credit loss provision to net charge-offs | 56.1147% | 4,547 |
| Earnings coverage of net charge-offs (x) | -0.2765% | 5,606 |
| Efficiency ratio | 106.5970% | 396 |
| Assets per employee ($millions) | 6.8952% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0867% | 1,801 |
| Loan loss allowance to noncurrent loans | 57.8410% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 9.7674% | 225 |
| Noncurrent loans to loans | 3.6077% | 1,364 |
| Net loans and leases to total assets | 70.0508% | 1,833 |
| Net loans and leases to deposits | 86.3803% | 1,465 |
| Net loans and leases to core deposits | 88.0421% | 2,081 |
| Total domestic deposits to total assets | 81.0958% | 5,377 |
| Equity capital to assets | 3.2381% | 7,032 |
| Core capital (leverage) ratio | 3.3457% | 7,021 |
| Tier 1 risk-based capital ratio | 4.2719% | 7,035 |
| Total risk-based capital ratio | 7.6659% | 6,981 |
| Memoranda: | ||
| Average total assets | $241,185,400 | 2,623 |
| Average earning assets | $218,665,800 | 2,625 |
| Average equity | $7,358,800 | 5,677 |
| Average total loans | $174,800,200 | 2,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 4,520 |
| Cost of funding earning assets | 1.0795% | 1,144 |
| Net interest margin | 3.2026% | 5,697 |
| Noninterest income to average assets | 0.2845% | 5,508 |
| Noninterest expense to average assets | 3.3993% | 2,001 |
| Loan and lease loss provision to assets | 0.5653% | 1,016 |
| Net operating income to assets | -0.7642% | 6,798 |
| Return on assets (ROA) | 0.2486% | 5,980 |
| Pretax return on assets | 0.2486% | 6,049 |
| Return on Equity (ROE) | 8.2645% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.2645% | 1,516 |
| Net charge-offs to loans | 1.2575% | 761 |
| Credit loss provision to net charge-offs | 61.8366% | 4,108 |
| Earnings coverage of net charge-offs (x) | -0.2176% | 5,413 |
| Efficiency ratio | 106.2170% | 375 |
| Assets per employee ($millions) | 6.6447% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 1,884 |
| Loan loss allowance to noncurrent loans | 36.1581% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 10.7415% | 203 |
| Noncurrent loans to loans | 5.8342% | 710 |
| Net loans and leases to total assets | 73.2656% | 1,356 |
| Net loans and leases to deposits | 90.5867% | 1,085 |
| Net loans and leases to core deposits | 92.7418% | 1,704 |
| Total domestic deposits to total assets | 80.8790% | 5,401 |
| Equity capital to assets | 3.3525% | 7,123 |
| Core capital (leverage) ratio | 3.2909% | 7,117 |
| Tier 1 risk-based capital ratio | 4.2147% | 7,134 |
| Total risk-based capital ratio | 7.5814% | 7,078 |
| Memoranda: | ||
| Average total assets | $244,596,250 | 2,604 |
| Average earning assets | $222,689,750 | 2,610 |
| Average equity | $7,356,500 | 5,729 |
| Average total loans | $177,802,250 | 2,266 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 4,789 |
| Cost of funding earning assets | 1.0803% | 1,311 |
| Net interest margin | 3.1632% | 5,838 |
| Noninterest income to average assets | 0.3636% | 4,926 |
| Noninterest expense to average assets | 3.3705% | 2,099 |
| Loan and lease loss provision to assets | 0.8269% | 593 |
| Net operating income to assets | -0.9433% | 6,893 |
| Return on assets (ROA) | 0.4003% | 5,445 |
| Pretax return on assets | 0.4003% | 5,711 |
| Return on Equity (ROE) | 13.7836% | 1,171 |
| Retained earnings to average equity (ytd only) | 13.7836% | 364 |
| Net charge-offs to loans | 1.5827% | 601 |
| Credit loss provision to net charge-offs | 72.5175% | 3,503 |
| Earnings coverage of net charge-offs (x) | -0.1021% | 5,130 |
| Efficiency ratio | 103.5776% | 444 |
| Assets per employee ($millions) | 7.4855% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 1,796 |
| Loan loss allowance to noncurrent loans | 28.5031% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 11.2024% | 208 |
| Noncurrent loans to loans | 7.6796% | 460 |
| Net loans and leases to total assets | 66.9633% | 2,468 |
| Net loans and leases to deposits | 80.4835% | 2,313 |
| Net loans and leases to core deposits | 81.8703% | 2,979 |
| Total domestic deposits to total assets | 83.2013% | 4,676 |
| Equity capital to assets | 2.8471% | 7,187 |
| Core capital (leverage) ratio | 3.0921% | 7,173 |
| Tier 1 risk-based capital ratio | 4.1334% | 7,186 |
| Total risk-based capital ratio | 7.4601% | 7,121 |
| Memoranda: | ||
| Average total assets | $250,822,000 | 2,544 |
| Average earning assets | $229,198,330 | 2,532 |
| Average equity | $7,284,000 | 5,763 |
| Average total loans | $180,707,000 | 2,219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3781% | 4,415 |
| Cost of funding earning assets | 1.1362% | 1,231 |
| Net interest margin | 3.2419% | 5,657 |
| Noninterest income to average assets | 0.4177% | 4,534 |
| Noninterest expense to average assets | 3.4525% | 1,867 |
| Loan and lease loss provision to assets | 1.2419% | 301 |
| Net operating income to assets | -1.3110% | 7,052 |
| Return on assets (ROA) | 0.6989% | 4,100 |
| Pretax return on assets | 0.6989% | 4,791 |
| Return on Equity (ROE) | 23.8258% | 221 |
| Retained earnings to average equity (ytd only) | 23.8258% | 111 |
| Net charge-offs to loans | 2.8683% | 261 |
| Credit loss provision to net charge-offs | 58.6050% | 3,143 |
| Earnings coverage of net charge-offs (x) | -0.0326% | 4,379 |
| Efficiency ratio | 102.0418% | 495 |
| Assets per employee ($millions) | 7.3043% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0336% | 2,255 |
| Loan loss allowance to noncurrent loans | 29.3021% | 6,210 |
| Noncurrent assets plus other real estate owned to assets | 10.3473% | 275 |
| Noncurrent loans to loans | 6.9401% | 651 |
| Net loans and leases to total assets | 71.0154% | 1,570 |
| Net loans and leases to deposits | 85.7276% | 1,449 |
| Net loans and leases to core deposits | 87.1377% | 2,158 |
| Total domestic deposits to total assets | 82.8385% | 4,995 |
| Equity capital to assets | 2.8738% | 7,242 |
| Core capital (leverage) ratio | 3.0896% | 7,229 |
| Tier 1 risk-based capital ratio | 4.0450% | 7,246 |
| Total risk-based capital ratio | 7.3262% | 7,174 |
| Memoranda: | ||
| Average total assets | $248,979,000 | 2,570 |
| Average earning assets | $227,769,500 | 2,567 |
| Average equity | $7,303,000 | 5,789 |
| Average total loans | $183,940,000 | 2,186 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 4,574 |
| Cost of funding earning assets | 1.3710% | 1,162 |
| Net interest margin | 3.2527% | 5,951 |
| Noninterest income to average assets | 0.1771% | 6,226 |
| Noninterest expense to average assets | 3.1579% | 3,003 |
| Loan and lease loss provision to assets | 1.7942% | 372 |
| Net operating income to assets | -3.1042% | 7,187 |
| Return on assets (ROA) | -2.9911% | 7,180 |
| Pretax return on assets | -1.6841% | 6,941 |
| Return on Equity (ROE) | -63.8950% | 7,257 |
| Retained earnings to average equity (ytd only) | -63.8950% | 7,257 |
| Net charge-offs to loans | 3.2426% | 266 |
| Credit loss provision to net charge-offs | 73.2011% | 4,727 |
| Earnings coverage of net charge-offs (x) | -0.0012% | 5,825 |
| Efficiency ratio | 100.0934% | 668 |
| Assets per employee ($millions) | 7.1318% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2565% | 1,697 |
| Loan loss allowance to noncurrent loans | 30.3740% | 6,173 |
| Noncurrent assets plus other real estate owned to assets | 10.6557% | 286 |
| Noncurrent loans to loans | 7.4291% | 576 |
| Net loans and leases to total assets | 73.5606% | 1,346 |
| Net loans and leases to deposits | 88.8055% | 1,289 |
| Net loans and leases to core deposits | 90.6231% | 2,031 |
| Total domestic deposits to total assets | 82.8334% | 4,817 |
| Equity capital to assets | 2.9922% | 7,278 |
| Core capital (leverage) ratio | 2.7899% | 7,280 |
| Tier 1 risk-based capital ratio | 3.6519% | 7,294 |
| Total risk-based capital ratio | 6.7391% | 7,226 |
| Memoranda: | ||
| Average total assets | $271,603,600 | 2,325 |
| Average earning assets | $248,657,000 | 2,317 |
| Average equity | $12,714,600 | 4,391 |
| Average total loans | $205,297,800 | 1,992 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6428% | 4,695 |
| Cost of funding earning assets | 1.4386% | 1,076 |
| Net interest margin | 3.2042% | 6,153 |
| Noninterest income to average assets | 0.2930% | 5,514 |
| Noninterest expense to average assets | 3.1877% | 2,861 |
| Loan and lease loss provision to assets | 2.3447% | 202 |
| Net operating income to assets | -1.3642% | 7,006 |
| Return on assets (ROA) | -1.2703% | 6,999 |
| Pretax return on assets | -2.1604% | 7,152 |
| Return on Equity (ROE) | -25.0956% | 7,167 |
| Retained earnings to average equity (ytd only) | -25.0956% | 7,157 |
| Net charge-offs to loans | 3.1638% | 285 |
| Credit loss provision to net charge-offs | 97.9497% | 3,491 |
| Earnings coverage of net charge-offs (x) | 0.0157% | 5,588 |
| Efficiency ratio | 98.8363% | 705 |
| Assets per employee ($millions) | 7.0770% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0552% | 830 |
| Loan loss allowance to noncurrent loans | 37.8726% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 11.1677% | 280 |
| Noncurrent loans to loans | 8.0672% | 545 |
| Net loans and leases to total assets | 73.7435% | 1,365 |
| Net loans and leases to deposits | 91.2113% | 1,084 |
| Net loans and leases to core deposits | 92.6306% | 1,921 |
| Total domestic deposits to total assets | 80.8491% | 5,479 |
| Equity capital to assets | 5.0893% | 7,258 |
| Core capital (leverage) ratio | 2.7784% | 7,359 |
| Tier 1 risk-based capital ratio | 3.6329% | 7,372 |
| Total risk-based capital ratio | 6.7207% | 7,315 |
| Memoranda: | ||
| Average total assets | $277,101,500 | 2,301 |
| Average earning assets | $253,574,000 | 2,289 |
| Average equity | $14,026,000 | 4,116 |
| Average total loans | $209,658,500 | 1,977 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5946% | 4,983 |
| Cost of funding earning assets | 1.4351% | 1,257 |
| Net interest margin | 3.1596% | 6,265 |
| Noninterest income to average assets | 0.1764% | 6,396 |
| Noninterest expense to average assets | 2.8171% | 4,355 |
| Loan and lease loss provision to assets | 0.6073% | 1,585 |
| Net operating income to assets | -0.1187% | 6,373 |
| Return on assets (ROA) | -0.0886% | 6,392 |
| Pretax return on assets | -0.2931% | 6,528 |
| Return on Equity (ROE) | -1.7525% | 6,494 |
| Retained earnings to average equity (ytd only) | -1.7525% | 6,209 |
| Net charge-offs to loans | 0.3126% | 3,313 |
| Credit loss provision to net charge-offs | 257.1429% | 1,179 |
| Earnings coverage of net charge-offs (x) | 1.1310% | 4,427 |
| Efficiency ratio | 91.3400% | 1,143 |
| Assets per employee ($millions) | 7.3533% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1644% | 786 |
| Loan loss allowance to noncurrent loans | 33.6639% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 10.4002% | 357 |
| Noncurrent loans to loans | 9.4000% | 427 |
| Net loans and leases to total assets | 73.6827% | 1,479 |
| Net loans and leases to deposits | 90.4273% | 1,223 |
| Net loans and leases to core deposits | 91.7328% | 2,169 |
| Total domestic deposits to total assets | 81.4828% | 5,356 |
| Equity capital to assets | 5.4283% | 7,300 |
| Core capital (leverage) ratio | 4.1557% | 7,364 |
| Tier 1 risk-based capital ratio | 5.4520% | 7,382 |
| Total risk-based capital ratio | 9.1420% | 7,257 |
| Memoranda: | ||
| Average total assets | $284,545,000 | 2,250 |
| Average earning assets | $261,870,330 | 2,237 |
| Average equity | $14,379,330 | 4,046 |
| Average total loans | $214,945,330 | 1,948 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 5,158 |
| Cost of funding earning assets | 1.4667% | 1,308 |
| Net interest margin | 3.0860% | 6,383 |
| Noninterest income to average assets | 0.3136% | 5,419 |
| Noninterest expense to average assets | 2.9177% | 3,988 |
| Loan and lease loss provision to assets | 0.3150% | 2,654 |
| Net operating income to assets | 0.0598% | 6,211 |
| Return on assets (ROA) | 0.0757% | 6,213 |
| Pretax return on assets | -0.0578% | 6,410 |
| Return on Equity (ROE) | 1.5510% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.5510% | 5,184 |
| Net charge-offs to loans | 0.1571% | 3,544 |
| Credit loss provision to net charge-offs | 266.2791% | 1,182 |
| Earnings coverage of net charge-offs (x) | 1.9651% | 3,327 |
| Efficiency ratio | 92.6201% | 1,125 |
| Assets per employee ($millions) | 7.9151% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9178% | 991 |
| Loan loss allowance to noncurrent loans | 28.5298% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 10.9779% | 335 |
| Noncurrent loans to loans | 10.2271% | 388 |
| Net loans and leases to total assets | 72.0120% | 1,721 |
| Net loans and leases to deposits | 87.4204% | 1,529 |
| Net loans and leases to core deposits | 88.6000% | 2,530 |
| Total domestic deposits to total assets | 82.3744% | 5,158 |
| Equity capital to assets | 5.0599% | 7,375 |
| Core capital (leverage) ratio | 4.0872% | 7,429 |
| Tier 1 risk-based capital ratio | 5.4714% | 7,440 |
| Total risk-based capital ratio | 9.0883% | 7,312 |
| Memoranda: | ||
| Average total assets | $290,781,500 | 2,224 |
| Average earning assets | $267,268,500 | 2,219 |
| Average equity | $14,184,500 | 4,074 |
| Average total loans | $218,907,500 | 1,936 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6978% | 5,810 |
| Cost of funding earning assets | 1.8275% | 1,067 |
| Net interest margin | 2.8703% | 6,937 |
| Noninterest income to average assets | 0.0218% | 7,214 |
| Noninterest expense to average assets | 2.2890% | 6,389 |
| Loan and lease loss provision to assets | 2.1189% | 603 |
| Net operating income to assets | -2.2675% | 7,132 |
| Return on assets (ROA) | -2.1613% | 7,115 |
| Pretax return on assets | -1.6830% | 6,922 |
| Return on Equity (ROE) | -36.0995% | 7,298 |
| Retained earnings to average equity (ytd only) | -36.0995% | 7,290 |
| Net charge-offs to loans | 1.7990% | 1,171 |
| Credit loss provision to net charge-offs | 160.8747% | 2,167 |
| Earnings coverage of net charge-offs (x) | 0.2504% | 5,861 |
| Efficiency ratio | 87.4078% | 1,530 |
| Assets per employee ($millions) | 7.8058% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6601% | 1,216 |
| Loan loss allowance to noncurrent loans | 27.1376% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 10.0260% | 409 |
| Noncurrent loans to loans | 9.8024% | 440 |
| Net loans and leases to total assets | 74.3142% | 1,595 |
| Net loans and leases to deposits | 89.2650% | 1,613 |
| Net loans and leases to core deposits | 90.9065% | 2,631 |
| Total domestic deposits to total assets | 83.2512% | 4,693 |
| Equity capital to assets | 4.7033% | 7,457 |
| Core capital (leverage) ratio | 3.6707% | 7,518 |
| Tier 1 risk-based capital ratio | 5.1470% | 7,516 |
| Total risk-based capital ratio | 8.6141% | 7,398 |
| Memoranda: | ||
| Average total assets | $321,151,600 | 2,027 |
| Average earning assets | $290,561,400 | 2,041 |
| Average equity | $19,227,400 | 3,252 |
| Average total loans | $235,128,600 | 1,859 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 6,226 |
| Cost of funding earning assets | 1.8616% | 1,159 |
| Net interest margin | 2.7786% | 7,153 |
| Noninterest income to average assets | -0.0872% | 7,530 |
| Noninterest expense to average assets | 2.6728% | 4,990 |
| Loan and lease loss provision to assets | 2.5844% | 391 |
| Net operating income to assets | -1.6268% | 7,139 |
| Return on assets (ROA) | -1.5379% | 7,128 |
| Pretax return on assets | -2.6997% | 7,363 |
| Return on Equity (ROE) | -24.4967% | 7,310 |
| Retained earnings to average equity (ytd only) | -24.4967% | 7,298 |
| Net charge-offs to loans | 2.0857% | 886 |
| Credit loss provision to net charge-offs | 170.9052% | 2,172 |
| Earnings coverage of net charge-offs (x) | -0.1681% | 6,160 |
| Efficiency ratio | 110.5104% | 518 |
| Assets per employee ($millions) | 8.4277% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6358% | 1,160 |
| Loan loss allowance to noncurrent loans | 23.6788% | 6,725 |
| Noncurrent assets plus other real estate owned to assets | 10.3887% | 373 |
| Noncurrent loans to loans | 11.1315% | 338 |
| Net loans and leases to total assets | 70.1291% | 2,704 |
| Net loans and leases to deposits | 84.9112% | 2,534 |
| Net loans and leases to core deposits | 89.4236% | 3,180 |
| Total domestic deposits to total assets | 82.5912% | 4,756 |
| Equity capital to assets | 5.7370% | 7,516 |
| Core capital (leverage) ratio | 3.4047% | 7,649 |
| Tier 1 risk-based capital ratio | 4.4687% | 7,667 |
| Total risk-based capital ratio | 7.8681% | 7,579 |
| Memoranda: | ||
| Average total assets | $327,284,750 | 2,014 |
| Average earning assets | $295,154,500 | 2,040 |
| Average equity | $20,546,500 | 3,112 |
| Average total loans | $237,297,250 | 1,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7144% | 6,097 |
| Cost of funding earning assets | 1.9237% | 1,140 |
| Net interest margin | 2.7907% | 7,156 |
| Noninterest income to average assets | -0.3343% | 7,721 |
| Noninterest expense to average assets | 2.6976% | 4,921 |
| Loan and lease loss provision to assets | 1.4701% | 907 |
| Net operating income to assets | -1.0927% | 6,983 |
| Return on assets (ROA) | -1.0927% | 6,999 |
| Pretax return on assets | -1.9847% | 7,229 |
| Return on Equity (ROE) | -16.9339% | 7,199 |
| Retained earnings to average equity (ytd only) | -16.9339% | 7,165 |
| Net charge-offs to loans | 1.0872% | 1,735 |
| Credit loss provision to net charge-offs | 186.0983% | 2,117 |
| Earnings coverage of net charge-offs (x) | -0.6513% | 6,060 |
| Efficiency ratio | 123.5686% | 369 |
| Assets per employee ($millions) | 8.5498% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9446% | 2,314 |
| Loan loss allowance to noncurrent loans | 26.5578% | 6,578 |
| Noncurrent assets plus other real estate owned to assets | 7.9528% | 618 |
| Noncurrent loans to loans | 7.3220% | 740 |
| Net loans and leases to total assets | 72.8309% | 2,204 |
| Net loans and leases to deposits | 89.1166% | 1,986 |
| Net loans and leases to core deposits | 94.4788% | 2,645 |
| Total domestic deposits to total assets | 81.7254% | 5,099 |
| Equity capital to assets | 6.4867% | 7,468 |
| Core capital (leverage) ratio | 4.8232% | 7,620 |
| Tier 1 risk-based capital ratio | 6.3045% | 7,647 |
| Total risk-based capital ratio | 9.6226% | 7,506 |
| Memoranda: | ||
| Average total assets | $329,629,000 | 2,013 |
| Average earning assets | $297,347,330 | 2,043 |
| Average equity | $21,271,000 | 3,007 |
| Average total loans | $239,506,330 | 1,877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7455% | 6,092 |
| Cost of funding earning assets | 2.0149% | 1,032 |
| Net interest margin | 2.7306% | 7,265 |
| Noninterest income to average assets | 0.0726% | 7,346 |
| Noninterest expense to average assets | 2.6788% | 5,006 |
| Loan and lease loss provision to assets | 1.3299% | 902 |
| Net operating income to assets | -0.7803% | 6,999 |
| Return on assets (ROA) | -0.7803% | 7,022 |
| Pretax return on assets | -1.4762% | 7,250 |
| Return on Equity (ROE) | -12.1221% | 7,218 |
| Retained earnings to average equity (ytd only) | -12.1221% | 7,072 |
| Net charge-offs to loans | 1.4228% | 1,214 |
| Credit loss provision to net charge-offs | 130.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | -0.1430% | 5,130 |
| Efficiency ratio | 105.7774% | 683 |
| Assets per employee ($millions) | 8.5807% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 3,555 |
| Loan loss allowance to noncurrent loans | 22.1996% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 7.9741% | 622 |
| Noncurrent loans to loans | 7.0928% | 834 |
| Net loans and leases to total assets | 69.2250% | 3,103 |
| Net loans and leases to deposits | 83.9308% | 2,952 |
| Net loans and leases to core deposits | 90.2500% | 3,333 |
| Total domestic deposits to total assets | 82.4786% | 4,861 |
| Equity capital to assets | 6.3834% | 7,552 |
| Core capital (leverage) ratio | 4.8532% | 7,715 |
| Tier 1 risk-based capital ratio | 6.7371% | 7,720 |
| Total risk-based capital ratio | 10.0385% | 7,541 |
| Memoranda: | ||
| Average total assets | $336,273,000 | 2,034 |
| Average earning assets | $302,940,500 | 2,063 |
| Average equity | $21,646,500 | 2,986 |
| Average total loans | $241,778,000 | 1,908 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9292% | 6,642 |
| Cost of funding earning assets | 2.5982% | 783 |
| Net interest margin | 2.3310% | 7,561 |
| Noninterest income to average assets | -0.3832% | 7,915 |
| Noninterest expense to average assets | 2.7429% | 5,186 |
| Loan and lease loss provision to assets | 0.9343% | 2,411 |
| Net operating income to assets | -1.0854% | 6,635 |
| Return on assets (ROA) | -1.0083% | 6,583 |
| Pretax return on assets | -1.8268% | 6,870 |
| Return on Equity (ROE) | -14.8178% | 6,925 |
| Retained earnings to average equity (ytd only) | -14.8178% | 6,876 |
| Net charge-offs to loans | 1.9564% | 1,262 |
| Credit loss provision to net charge-offs | 63.1794% | 6,594 |
| Earnings coverage of net charge-offs (x) | -0.6850% | 6,798 |
| Efficiency ratio | 158.5512% | 259 |
| Assets per employee ($millions) | 7.6795% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 4,286 |
| Loan loss allowance to noncurrent loans | 20.2990% | 7,046 |
| Noncurrent assets plus other real estate owned to assets | 7.8982% | 579 |
| Noncurrent loans to loans | 6.8460% | 841 |
| Net loans and leases to total assets | 72.4304% | 2,652 |
| Net loans and leases to deposits | 87.7749% | 2,598 |
| Net loans and leases to core deposits | 112.9364% | 2,606 |
| Total domestic deposits to total assets | 82.5184% | 4,739 |
| Equity capital to assets | 6.4904% | 7,563 |
| Core capital (leverage) ratio | 5.1598% | 7,750 |
| Tier 1 risk-based capital ratio | 6.7325% | 7,776 |
| Total risk-based capital ratio | 9.9394% | 7,589 |
| Memoranda: | ||
| Average total assets | $347,118,400 | 1,966 |
| Average earning assets | $314,677,000 | 1,981 |
| Average equity | $23,620,200 | 2,778 |
| Average total loans | $262,375,200 | 1,815 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 6,789 |
| Cost of funding earning assets | 2.7483% | 690 |
| Net interest margin | 2.1943% | 7,712 |
| Noninterest income to average assets | 0.0408% | 7,687 |
| Noninterest expense to average assets | 2.7214% | 5,243 |
| Loan and lease loss provision to assets | 0.9768% | 1,961 |
| Net operating income to assets | -0.9083% | 6,767 |
| Return on assets (ROA) | -0.8318% | 6,713 |
| Pretax return on assets | -1.5473% | 6,989 |
| Return on Equity (ROE) | -12.0894% | 7,027 |
| Retained earnings to average equity (ytd only) | -12.0894% | 6,951 |
| Net charge-offs to loans | 1.6681% | 1,214 |
| Credit loss provision to net charge-offs | 76.9462% | 5,834 |
| Earnings coverage of net charge-offs (x) | -0.5434% | 6,486 |
| Efficiency ratio | 133.9594% | 430 |
| Assets per employee ($millions) | 7.5227% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7765% | 2,360 |
| Loan loss allowance to noncurrent loans | 20.8350% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 9.9532% | 346 |
| Noncurrent loans to loans | 8.5266% | 544 |
| Net loans and leases to total assets | 74.6564% | 2,321 |
| Net loans and leases to deposits | 90.9506% | 2,401 |
| Net loans and leases to core deposits | 118.9458% | 2,339 |
| Total domestic deposits to total assets | 82.0845% | 4,643 |
| Equity capital to assets | 6.9201% | 7,629 |
| Core capital (leverage) ratio | 5.9104% | 7,816 |
| Tier 1 risk-based capital ratio | 7.4452% | 7,857 |
| Total risk-based capital ratio | 10.5410% | 7,487 |
| Memoranda: | ||
| Average total assets | $349,423,500 | 1,960 |
| Average earning assets | $316,989,000 | 1,987 |
| Average equity | $24,042,500 | 2,750 |
| Average total loans | $265,921,500 | 1,815 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9759% | 6,848 |
| Cost of funding earning assets | 2.8673% | 658 |
| Net interest margin | 2.1086% | 7,805 |
| Noninterest income to average assets | 0.0334% | 7,822 |
| Noninterest expense to average assets | 2.7151% | 5,324 |
| Loan and lease loss provision to assets | 1.0712% | 1,594 |
| Net operating income to assets | -1.0198% | 7,001 |
| Return on assets (ROA) | -0.9064% | 6,915 |
| Pretax return on assets | -1.6598% | 7,151 |
| Return on Equity (ROE) | -13.1970% | 7,234 |
| Retained earnings to average equity (ytd only) | -13.1970% | 7,127 |
| Net charge-offs to loans | 1.7790% | 1,064 |
| Credit loss provision to net charge-offs | 79.0882% | 5,224 |
| Earnings coverage of net charge-offs (x) | -0.5655% | 6,108 |
| Efficiency ratio | 139.2909% | 437 |
| Assets per employee ($millions) | 7.6370% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 1,919 |
| Loan loss allowance to noncurrent loans | 27.1199% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 8.7969% | 392 |
| Noncurrent loans to loans | 6.8136% | 736 |
| Net loans and leases to total assets | 74.7915% | 2,498 |
| Net loans and leases to deposits | 91.1423% | 2,623 |
| Net loans and leases to core deposits | 119.9805% | 2,372 |
| Total domestic deposits to total assets | 82.0602% | 4,668 |
| Equity capital to assets | 6.9320% | 7,643 |
| Core capital (leverage) ratio | 5.9540% | 7,934 |
| Tier 1 risk-based capital ratio | 7.5555% | 7,953 |
| Total risk-based capital ratio | 10.6377% | 7,454 |
| Memoranda: | ||
| Average total assets | $353,057,000 | 1,958 |
| Average earning assets | $320,786,670 | 1,977 |
| Average equity | $24,248,000 | 2,727 |
| Average total loans | $268,795,330 | 1,831 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0176% | 6,886 |
| Cost of funding earning assets | 2.9824% | 631 |
| Net interest margin | 2.0352% | 7,880 |
| Noninterest income to average assets | 0.1263% | 7,386 |
| Noninterest expense to average assets | 2.4665% | 5,972 |
| Loan and lease loss provision to assets | 1.8985% | 644 |
| Net operating income to assets | -1.3596% | 7,444 |
| Return on assets (ROA) | -1.3596% | 7,457 |
| Pretax return on assets | -2.3815% | 7,639 |
| Return on Equity (ROE) | -19.8851% | 7,749 |
| Retained earnings to average equity (ytd only) | -19.8851% | 7,640 |
| Net charge-offs to loans | 2.9017% | 442 |
| Credit loss provision to net charge-offs | 85.9747% | 4,087 |
| Earnings coverage of net charge-offs (x) | -0.2187% | 5,145 |
| Efficiency ratio | 124.3517% | 577 |
| Assets per employee ($millions) | 7.7228% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 1,638 |
| Loan loss allowance to noncurrent loans | 42.2560% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 7.3931% | 437 |
| Noncurrent loans to loans | 4.4733% | 1,287 |
| Net loans and leases to total assets | 73.9426% | 2,775 |
| Net loans and leases to deposits | 89.3771% | 3,034 |
| Net loans and leases to core deposits | 120.0909% | 2,405 |
| Total domestic deposits to total assets | 82.7311% | 4,273 |
| Equity capital to assets | 6.7023% | 7,809 |
| Core capital (leverage) ratio | 5.7995% | 8,036 |
| Tier 1 risk-based capital ratio | 7.1837% | 8,081 |
| Total risk-based capital ratio | 10.2079% | 7,851 |
| Memoranda: | ||
| Average total assets | $357,752,500 | 1,943 |
| Average earning assets | $326,451,500 | 1,939 |
| Average equity | $24,460,500 | 2,712 |
| Average total loans | $272,257,000 | 1,819 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9803% | 5,640 |
| Cost of funding earning assets | 3.5497% | 454 |
| Net interest margin | 2.4306% | 7,823 |
| Noninterest income to average assets | 0.1472% | 7,362 |
| Noninterest expense to average assets | 2.4583% | 6,177 |
| Loan and lease loss provision to assets | 1.0032% | 1,469 |
| Net operating income to assets | -0.5386% | 6,950 |
| Return on assets (ROA) | -0.5379% | 6,832 |
| Pretax return on assets | -1.0564% | 7,036 |
| Return on Equity (ROE) | -7.3753% | 7,080 |
| Retained earnings to average equity (ytd only) | -8.3204% | 6,907 |
| Net charge-offs to loans | 0.6820% | 1,805 |
| Credit loss provision to net charge-offs | 185.3795% | 2,674 |
| Earnings coverage of net charge-offs (x) | -0.1004% | 6,320 |
| Efficiency ratio | 102.2592% | 906 |
| Assets per employee ($millions) | 7.2051% | 643 |
| Cash dividends to net income (ytd only)* | -12.8139% | 7,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9287% | 1,365 |
| Loan loss allowance to noncurrent loans | 31.7889% | 6,607 |
| Noncurrent assets plus other real estate owned to assets | 6.6911% | 409 |
| Noncurrent loans to loans | 6.0671% | 582 |
| Net loans and leases to total assets | 75.3449% | 2,797 |
| Net loans and leases to deposits | 94.2567% | 2,717 |
| Net loans and leases to core deposits | 128.5060% | 1,962 |
| Total domestic deposits to total assets | 79.9358% | 5,045 |
| Equity capital to assets | 6.9704% | 7,751 |
| Core capital (leverage) ratio | 6.7318% | 7,849 |
| Tier 1 risk-based capital ratio | 8.1850% | 8,051 |
| Total risk-based capital ratio | 11.1604% | 6,720 |
| Memoranda: | ||
| Average total assets | $362,730,400 | 1,849 |
| Average earning assets | $336,787,400 | 1,827 |
| Average equity | $26,453,000 | 2,518 |
| Average total loans | $287,825,600 | 1,682 |