Home > The Bank of Oswego > Performance and Condition Ratios
The Bank of Oswego, Performance and Condition Ratios
| 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 | 4.2191% | 2,450 |
| Cost of funding earning assets | 0.1108% | 5,804 |
| Net interest margin | 4.1082% | 1,349 |
| Noninterest income to average assets | 0.3278% | 4,435 |
| Noninterest expense to average assets | 7.1789% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -3.0020% | 6,033 |
| Return on assets (ROA) | -2.5671% | 6,027 |
| Pretax return on assets | -2.5671% | 6,023 |
| Return on Equity (ROE) | -19.7413% | 6,014 |
| Retained earnings to average equity (ytd only) | -19.7413% | 5,970 |
| Net charge-offs to loans | -0.0507% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.8726% | 28 |
| Assets per employee ($millions) | 3.3546% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2596% | 152 |
| Loan loss allowance to noncurrent loans | 45,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,618 |
| Noncurrent loans to loans | 0.0071% | 5,479 |
| Net loans and leases to total assets | 71.1918% | 2,300 |
| Net loans and leases to deposits | 83.2342% | 2,558 |
| Net loans and leases to core deposits | 83.6630% | 3,113 |
| Total domestic deposits to total assets | 85.5319% | 2,631 |
| Equity capital to assets | 13.2266% | 1,372 |
| Core capital (leverage) ratio | 13.0515% | 1,127 |
| Tier 1 risk-based capital ratio | 17.5811% | 2,051 |
| Total risk-based capital ratio | 18.8561% | 2,006 |
| Memoranda: | ||
| Average total assets | $61,625,330 | 5,209 |
| Average earning assets | $57,738,000 | 5,180 |
| Average equity | $8,013,670 | 5,021 |
| Average total loans | $43,352,330 | 4,849 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,330 |
| Cost of funding earning assets | 0.1137% | 5,853 |
| Net interest margin | 4.1262% | 1,275 |
| Noninterest income to average assets | 0.3191% | 4,445 |
| Noninterest expense to average assets | 6.2074% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.0274% | 6,073 |
| Return on assets (ROA) | -2.0274% | 6,073 |
| Pretax return on assets | -2.0274% | 6,074 |
| Return on Equity (ROE) | -15.7110% | 6,054 |
| Retained earnings to average equity (ytd only) | -15.7110% | 5,917 |
| Net charge-offs to loans | -0.0636% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.5030% | 45 |
| Assets per employee ($millions) | 3.2214% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1780% | 188 |
| Loan loss allowance to noncurrent loans | 1,064.8438% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,718 |
| Noncurrent loans to loans | 0.2984% | 4,363 |
| Net loans and leases to total assets | 67.8463% | 2,671 |
| Net loans and leases to deposits | 79.1801% | 2,886 |
| Net loans and leases to core deposits | 79.5593% | 3,362 |
| Total domestic deposits to total assets | 85.6860% | 2,814 |
| Equity capital to assets | 13.2422% | 1,298 |
| Core capital (leverage) ratio | 12.6893% | 1,274 |
| Tier 1 risk-based capital ratio | 17.8379% | 2,029 |
| Total risk-based capital ratio | 19.1092% | 1,987 |
| Memoranda: | ||
| Average total assets | $63,923,500 | 5,199 |
| Average earning assets | $59,813,500 | 5,165 |
| Average equity | $8,249,000 | 5,008 |
| Average total loans | $44,044,500 | 4,865 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7296% | 4,277 |
| Cost of funding earning assets | 0.1362% | 5,779 |
| Net interest margin | 3.5935% | 3,163 |
| Noninterest income to average assets | 0.2610% | 5,029 |
| Noninterest expense to average assets | 5.3387% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.2032% | 6,166 |
| Return on assets (ROA) | -3.1597% | 6,167 |
| Pretax return on assets | -1.7539% | 6,128 |
| Return on Equity (ROE) | -25.0207% | 6,143 |
| Retained earnings to average equity (ytd only) | -25.0207% | 6,128 |
| Net charge-offs to loans | 0.1174% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -27.2830% | 4,445 |
| Efficiency ratio | 150.7547% | 37 |
| Assets per employee ($millions) | 3.3321% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0000% | 218 |
| Loan loss allowance to noncurrent loans | 1,019.5489% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 4,791 |
| Noncurrent loans to loans | 0.2942% | 4,403 |
| Net loans and leases to total assets | 65.7913% | 3,014 |
| Net loans and leases to deposits | 76.4272% | 3,201 |
| Net loans and leases to core deposits | 76.7617% | 3,687 |
| Total domestic deposits to total assets | 86.0836% | 2,599 |
| Equity capital to assets | 12.5943% | 1,571 |
| Core capital (leverage) ratio | 11.8022% | 1,757 |
| Tier 1 risk-based capital ratio | 17.0084% | 2,278 |
| Total risk-based capital ratio | 18.2764% | 2,221 |
| Memoranda: | ||
| Average total assets | $80,451,000 | 4,862 |
| Average earning assets | $73,439,000 | 4,870 |
| Average equity | $10,159,600 | 4,632 |
| Average total loans | $45,150,200 | 4,826 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,991 |
| Cost of funding earning assets | 0.1522% | 5,760 |
| Net interest margin | 3.6799% | 2,850 |
| Noninterest income to average assets | 0.2368% | 5,237 |
| Noninterest expense to average assets | 4.8976% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.3174% | 6,208 |
| Return on assets (ROA) | -1.2617% | 6,204 |
| Pretax return on assets | -1.2617% | 6,202 |
| Return on Equity (ROE) | -9.9860% | 6,180 |
| Retained earnings to average equity (ytd only) | -9.9860% | 6,124 |
| Net charge-offs to loans | 0.0325% | 3,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -75.3449% | 4,174 |
| Efficiency ratio | 136.7954% | 58 |
| Assets per employee ($millions) | 3.2633% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2514% | 190 |
| Loan loss allowance to noncurrent loans | 747.5936% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 4,675 |
| Noncurrent loans to loans | 0.4349% | 4,047 |
| Net loans and leases to total assets | 60.7028% | 3,775 |
| Net loans and leases to deposits | 72.1216% | 3,753 |
| Net loans and leases to core deposits | 72.4355% | 4,155 |
| Total domestic deposits to total assets | 84.1673% | 3,354 |
| Equity capital to assets | 14.8667% | 775 |
| Core capital (leverage) ratio | 12.5321% | 1,398 |
| Tier 1 risk-based capital ratio | 18.3447% | 1,941 |
| Total risk-based capital ratio | 19.6139% | 1,898 |
| Memoranda: | ||
| Average total assets | $83,903,500 | 4,851 |
| Average earning assets | $76,232,250 | 4,859 |
| Average equity | $10,601,250 | 4,604 |
| Average total loans | $45,137,750 | 4,875 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 4,394 |
| Cost of funding earning assets | 0.1663% | 5,731 |
| Net interest margin | 3.5380% | 3,344 |
| Noninterest income to average assets | 0.2628% | 5,072 |
| Noninterest expense to average assets | 4.6704% | 373 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.2064% | 6,276 |
| Return on assets (ROA) | -1.1435% | 6,272 |
| Pretax return on assets | -1.1435% | 6,266 |
| Return on Equity (ROE) | -9.4795% | 6,254 |
| Retained earnings to average equity (ytd only) | -9.4795% | 6,167 |
| Net charge-offs to loans | 0.1003% | 2,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -23.3478% | 3,863 |
| Efficiency ratio | 134.8249% | 67 |
| Assets per employee ($millions) | 3.7068% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8382% | 322 |
| Loan loss allowance to noncurrent loans | 969.2308% | 578 |
| Noncurrent assets plus other real estate owned to assets | 1.7035% | 1,393 |
| Noncurrent loans to loans | 0.2928% | 4,634 |
| Net loans and leases to total assets | 60.9530% | 3,698 |
| Net loans and leases to deposits | 70.7246% | 3,849 |
| Net loans and leases to core deposits | 70.9891% | 4,223 |
| Total domestic deposits to total assets | 86.1836% | 2,589 |
| Equity capital to assets | 13.4298% | 1,204 |
| Core capital (leverage) ratio | 11.2206% | 2,227 |
| Tier 1 risk-based capital ratio | 15.5394% | 3,081 |
| Total risk-based capital ratio | 16.8021% | 3,020 |
| Memoranda: | ||
| Average total assets | $89,028,330 | 4,789 |
| Average earning assets | $80,554,670 | 4,816 |
| Average equity | $10,739,000 | 4,614 |
| Average total loans | $45,851,330 | 4,893 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 5,176 |
| Cost of funding earning assets | 0.1773% | 5,700 |
| Net interest margin | 3.2341% | 4,474 |
| Noninterest income to average assets | 0.2875% | 4,869 |
| Noninterest expense to average assets | 4.3880% | 463 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.1710% | 6,332 |
| Return on assets (ROA) | -1.1710% | 6,336 |
| Pretax return on assets | -1.1710% | 6,327 |
| Return on Equity (ROE) | -10.1824% | 6,320 |
| Retained earnings to average equity (ytd only) | -10.1824% | 6,140 |
| Net charge-offs to loans | 0.2615% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -9.5517% | 3,245 |
| Efficiency ratio | 136.3995% | 68 |
| Assets per employee ($millions) | 3.9220% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0822% | 275 |
| Loan loss allowance to noncurrent loans | 155.7562% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 2.2108% | 1,042 |
| Noncurrent loans to loans | 1.9789% | 1,321 |
| Net loans and leases to total assets | 46.1005% | 5,191 |
| Net loans and leases to deposits | 52.6768% | 5,293 |
| Net loans and leases to core deposits | 52.6768% | 5,443 |
| Total domestic deposits to total assets | 87.5158% | 2,098 |
| Equity capital to assets | 11.4696% | 2,492 |
| Core capital (leverage) ratio | 10.4340% | 3,057 |
| Tier 1 risk-based capital ratio | 15.3500% | 3,226 |
| Total risk-based capital ratio | 16.6116% | 3,151 |
| Memoranda: | ||
| Average total assets | $94,621,500 | 4,703 |
| Average earning assets | $85,712,500 | 4,729 |
| Average equity | $10,881,500 | 4,624 |
| Average total loans | $44,360,500 | 4,969 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8655% | 4,268 |
| Cost of funding earning assets | 0.2062% | 5,691 |
| Net interest margin | 3.6592% | 3,185 |
| Noninterest income to average assets | 0.7098% | 2,258 |
| Noninterest expense to average assets | 4.1751% | 615 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1372% | 6,178 |
| Return on assets (ROA) | -0.1372% | 6,180 |
| Pretax return on assets | -0.1372% | 6,160 |
| Return on Equity (ROE) | -1.4192% | 6,185 |
| Retained earnings to average equity (ytd only) | -1.4192% | 5,960 |
| Net charge-offs to loans | -0.7716% | 6,433 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3985% | 300 |
| Assets per employee ($millions) | 4.2780% | 3,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4815% | 55 |
| Loan loss allowance to noncurrent loans | 1,574.5098% | 416 |
| Noncurrent assets plus other real estate owned to assets | 1.4450% | 1,904 |
| Noncurrent loans to loans | 0.3481% | 4,613 |
| Net loans and leases to total assets | 44.1360% | 5,455 |
| Net loans and leases to deposits | 50.0404% | 5,576 |
| Net loans and leases to core deposits | 50.2085% | 5,704 |
| Total domestic deposits to total assets | 88.2007% | 1,662 |
| Equity capital to assets | 10.5901% | 3,370 |
| Core capital (leverage) ratio | 9.0405% | 4,928 |
| Tier 1 risk-based capital ratio | 15.5310% | 3,218 |
| Total risk-based capital ratio | 16.8182% | 3,128 |
| Memoranda: | ||
| Average total assets | $101,291,200 | 4,573 |
| Average earning assets | $92,123,800 | 4,604 |
| Average equity | $9,794,000 | 4,791 |
| Average total loans | $49,639,400 | 4,831 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,618 |
| Cost of funding earning assets | 0.2076% | 5,764 |
| Net interest margin | 3.8271% | 2,519 |
| Noninterest income to average assets | 0.2910% | 5,113 |
| Noninterest expense to average assets | 4.3717% | 523 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.6001% | 6,394 |
| Return on assets (ROA) | -0.6001% | 6,394 |
| Pretax return on assets | -0.6001% | 6,383 |
| Return on Equity (ROE) | -6.3446% | 6,395 |
| Retained earnings to average equity (ytd only) | -6.3446% | 6,307 |
| Net charge-offs to loans | -1.1280% | 6,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9122% | 161 |
| Assets per employee ($millions) | 4.1893% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7880% | 53 |
| Loan loss allowance to noncurrent loans | 144.6996% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 1,793 |
| Noncurrent loans to loans | 4.0000% | 531 |
| Net loans and leases to total assets | 39.7766% | 5,826 |
| Net loans and leases to deposits | 45.2169% | 5,922 |
| Net loans and leases to core deposits | 45.3595% | 5,983 |
| Total domestic deposits to total assets | 87.9685% | 1,791 |
| Equity capital to assets | 9.5481% | 4,735 |
| Core capital (leverage) ratio | 8.5291% | 5,629 |
| Tier 1 risk-based capital ratio | 16.2370% | 2,935 |
| Total risk-based capital ratio | 17.5308% | 2,871 |
| Memoranda: | ||
| Average total assets | $103,085,000 | 4,571 |
| Average earning assets | $93,750,000 | 4,604 |
| Average equity | $9,750,750 | 4,838 |
| Average total loans | $51,062,250 | 4,826 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 4,193 |
| Cost of funding earning assets | 0.2165% | 5,782 |
| Net interest margin | 3.6693% | 3,070 |
| Noninterest income to average assets | 0.2829% | 5,159 |
| Noninterest expense to average assets | 4.3278% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7178% | 6,489 |
| Return on assets (ROA) | -0.7178% | 6,489 |
| Pretax return on assets | -0.7178% | 6,475 |
| Return on Equity (ROE) | -7.6115% | 6,487 |
| Retained earnings to average equity (ytd only) | -7.6115% | 6,360 |
| Net charge-offs to loans | -1.7874% | 6,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.8827% | 144 |
| Assets per employee ($millions) | 4.2790% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1358% | 82 |
| Loan loss allowance to noncurrent loans | 81.3757% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 3.4638% | 681 |
| Noncurrent loans to loans | 6.3112% | 233 |
| Net loans and leases to total assets | 47.0711% | 5,259 |
| Net loans and leases to deposits | 53.8800% | 5,368 |
| Net loans and leases to core deposits | 54.0547% | 5,545 |
| Total domestic deposits to total assets | 87.3630% | 2,269 |
| Equity capital to assets | 9.8133% | 4,333 |
| Core capital (leverage) ratio | 8.4795% | 5,651 |
| Tier 1 risk-based capital ratio | 14.3107% | 4,056 |
| Total risk-based capital ratio | 15.5977% | 3,968 |
| Memoranda: | ||
| Average total assets | $103,932,000 | 4,580 |
| Average earning assets | $94,240,330 | 4,635 |
| Average equity | $9,801,000 | 4,847 |
| Average total loans | $53,933,000 | 4,751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 3,246 |
| Cost of funding earning assets | 0.2184% | 5,859 |
| Net interest margin | 3.8895% | 2,121 |
| Noninterest income to average assets | 0.2437% | 5,408 |
| Noninterest expense to average assets | 4.1729% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3899% | 6,429 |
| Return on assets (ROA) | -0.3899% | 6,431 |
| Pretax return on assets | -0.3899% | 6,424 |
| Return on Equity (ROE) | -4.2137% | 6,448 |
| Retained earnings to average equity (ytd only) | -4.2137% | 6,076 |
| Net charge-offs to loans | -3.3355% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3072% | 258 |
| Assets per employee ($millions) | 4.7248% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7485% | 106 |
| Loan loss allowance to noncurrent loans | 86.9383% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 3.0766% | 913 |
| Noncurrent loans to loans | 5.4619% | 369 |
| Net loans and leases to total assets | 48.1678% | 5,105 |
| Net loans and leases to deposits | 55.1859% | 5,182 |
| Net loans and leases to core deposits | 55.1859% | 5,424 |
| Total domestic deposits to total assets | 87.2827% | 2,648 |
| Equity capital to assets | 9.4906% | 4,512 |
| Core capital (leverage) ratio | 8.2854% | 5,859 |
| Tier 1 risk-based capital ratio | 13.9099% | 4,385 |
| Total risk-based capital ratio | 15.1941% | 4,311 |
| Memoranda: | ||
| Average total assets | $106,689,500 | 4,566 |
| Average earning assets | $97,082,000 | 4,594 |
| Average equity | $9,872,500 | 4,852 |
| Average total loans | $56,482,500 | 4,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 2,578 |
| Cost of funding earning assets | 0.2585% | 5,918 |
| Net interest margin | 4.1440% | 1,526 |
| Noninterest income to average assets | 0.3345% | 4,940 |
| Noninterest expense to average assets | 4.5041% | 528 |
| Loan and lease loss provision to assets | 0.7500% | 294 |
| Net operating income to assets | -0.8276% | 6,574 |
| Return on assets (ROA) | -1.9675% | 6,714 |
| Pretax return on assets | -2.4705% | 6,734 |
| Return on Equity (ROE) | -20.3722% | 6,687 |
| Retained earnings to average equity (ytd only) | -20.3722% | 6,671 |
| Net charge-offs to loans | 2.5457% | 113 |
| Credit loss provision to net charge-offs | 47.2425% | 3,887 |
| Earnings coverage of net charge-offs (x) | -0.3658% | 5,177 |
| Efficiency ratio | 114.8000% | 216 |
| Assets per employee ($millions) | 4.2090% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3542% | 328 |
| Loan loss allowance to noncurrent loans | 53.2877% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 4.1769% | 620 |
| Noncurrent loans to loans | 6.2946% | 304 |
| Net loans and leases to total assets | 53.3427% | 4,672 |
| Net loans and leases to deposits | 59.9222% | 4,942 |
| Net loans and leases to core deposits | 59.9222% | 5,227 |
| Total domestic deposits to total assets | 89.0199% | 1,606 |
| Equity capital to assets | 9.0283% | 5,002 |
| Core capital (leverage) ratio | 7.8285% | 6,227 |
| Tier 1 risk-based capital ratio | 12.3674% | 5,387 |
| Total risk-based capital ratio | 13.6372% | 5,301 |
| Memoranda: | ||
| Average total assets | $121,067,200 | 4,257 |
| Average earning assets | $104,850,800 | 4,388 |
| Average equity | $11,692,400 | 4,512 |
| Average total loans | $75,500,000 | 4,076 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 2,549 |
| Cost of funding earning assets | 0.2661% | 5,987 |
| Net interest margin | 4.1473% | 1,491 |
| Noninterest income to average assets | 0.3398% | 4,973 |
| Noninterest expense to average assets | 4.3115% | 624 |
| Loan and lease loss provision to assets | 0.8550% | 214 |
| Net operating income to assets | -0.7915% | 6,669 |
| Return on assets (ROA) | -0.7915% | 6,677 |
| Pretax return on assets | -1.2733% | 6,734 |
| Return on Equity (ROE) | -8.0796% | 6,662 |
| Retained earnings to average equity (ytd only) | -8.0796% | 6,598 |
| Net charge-offs to loans | 2.4774% | 128 |
| Credit loss provision to net charge-offs | 53.9715% | 3,418 |
| Earnings coverage of net charge-offs (x) | -0.2641% | 4,926 |
| Efficiency ratio | 110.7459% | 258 |
| Assets per employee ($millions) | 4.5395% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5140% | 335 |
| Loan loss allowance to noncurrent loans | 45.3446% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 5.0650% | 544 |
| Noncurrent loans to loans | 7.7495% | 240 |
| Net loans and leases to total assets | 54.9498% | 4,468 |
| Net loans and leases to deposits | 62.2744% | 4,721 |
| Net loans and leases to core deposits | 62.2744% | 5,088 |
| Total domestic deposits to total assets | 88.2382% | 1,974 |
| Equity capital to assets | 9.8216% | 4,149 |
| Core capital (leverage) ratio | 7.9999% | 6,225 |
| Tier 1 risk-based capital ratio | 11.8001% | 5,902 |
| Total risk-based capital ratio | 13.0720% | 5,839 |
| Memoranda: | ||
| Average total assets | $123,975,500 | 4,225 |
| Average earning assets | $106,220,250 | 4,400 |
| Average equity | $12,145,500 | 4,471 |
| Average total loans | $79,274,750 | 3,995 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6163% | 1,797 |
| Cost of funding earning assets | 0.2810% | 5,975 |
| Net interest margin | 4.3353% | 966 |
| Noninterest income to average assets | 0.2969% | 5,328 |
| Noninterest expense to average assets | 4.0966% | 775 |
| Loan and lease loss provision to assets | 0.3176% | 1,109 |
| Net operating income to assets | -0.2747% | 6,536 |
| Return on assets (ROA) | -0.2747% | 6,565 |
| Pretax return on assets | -0.4430% | 6,608 |
| Return on Equity (ROE) | -2.8062% | 6,566 |
| Retained earnings to average equity (ytd only) | -2.8062% | 6,281 |
| Net charge-offs to loans | 1.2558% | 454 |
| Credit loss provision to net charge-offs | 38.2409% | 3,453 |
| Earnings coverage of net charge-offs (x) | -0.1511% | 4,602 |
| Efficiency ratio | 103.1587% | 395 |
| Assets per employee ($millions) | 4.4307% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6706% | 327 |
| Loan loss allowance to noncurrent loans | 32.9493% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 7.8257% | 271 |
| Noncurrent loans to loans | 11.1401% | 112 |
| Net loans and leases to total assets | 61.8969% | 3,307 |
| Net loans and leases to deposits | 71.2008% | 3,559 |
| Net loans and leases to core deposits | 71.6357% | 4,089 |
| Total domestic deposits to total assets | 86.9329% | 2,857 |
| Equity capital to assets | 10.5740% | 3,203 |
| Core capital (leverage) ratio | 8.6523% | 5,480 |
| Tier 1 risk-based capital ratio | 12.6012% | 5,432 |
| Total risk-based capital ratio | 13.8770% | 5,349 |
| Memoranda: | ||
| Average total assets | $125,958,670 | 4,222 |
| Average earning assets | $106,751,330 | 4,417 |
| Average equity | $12,330,000 | 4,458 |
| Average total loans | $83,294,000 | 3,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 1,518 |
| Cost of funding earning assets | 0.2971% | 5,985 |
| Net interest margin | 4.4092% | 793 |
| Noninterest income to average assets | 0.3411% | 4,963 |
| Noninterest expense to average assets | 3.6120% | 1,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2315% | 5,786 |
| Return on assets (ROA) | 0.2315% | 5,913 |
| Pretax return on assets | 0.3898% | 5,596 |
| Return on Equity (ROE) | 2.4507% | 5,796 |
| Retained earnings to average equity (ytd only) | 2.4507% | 4,801 |
| Net charge-offs to loans | 0.1001% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,318 |
| Efficiency ratio | 90.2588% | 1,125 |
| Assets per employee ($millions) | 5.0797% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5147% | 413 |
| Loan loss allowance to noncurrent loans | 38.6973% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 6.7634% | 425 |
| Noncurrent loans to loans | 9.0827% | 261 |
| Net loans and leases to total assets | 65.2390% | 2,507 |
| Net loans and leases to deposits | 74.3347% | 2,878 |
| Net loans and leases to core deposits | 74.7418% | 3,491 |
| Total domestic deposits to total assets | 87.7639% | 2,479 |
| Equity capital to assets | 9.7990% | 4,419 |
| Core capital (leverage) ratio | 8.4241% | 5,674 |
| Tier 1 risk-based capital ratio | 11.6313% | 6,114 |
| Total risk-based capital ratio | 12.9061% | 6,081 |
| Memoranda: | ||
| Average total assets | $131,339,000 | 4,153 |
| Average earning assets | $109,043,500 | 4,395 |
| Average equity | $12,404,500 | 4,493 |
| Average total loans | $87,930,500 | 3,792 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8624% | 333 |
| Cost of funding earning assets | 0.5853% | 4,487 |
| Net interest margin | 5.2771% | 241 |
| Noninterest income to average assets | 0.4249% | 4,413 |
| Noninterest expense to average assets | 3.6001% | 1,608 |
| Loan and lease loss provision to assets | 3.1228% | 35 |
| Net operating income to assets | -1.1713% | 6,788 |
| Return on assets (ROA) | -1.1713% | 6,800 |
| Pretax return on assets | -1.8932% | 6,916 |
| Return on Equity (ROE) | -12.8963% | 6,788 |
| Retained earnings to average equity (ytd only) | -12.8963% | 6,725 |
| Net charge-offs to loans | 3.2363% | 138 |
| Credit loss provision to net charge-offs | 128.3651% | 2,192 |
| Earnings coverage of net charge-offs (x) | 0.5054% | 5,234 |
| Efficiency ratio | 74.5402% | 2,981 |
| Assets per employee ($millions) | 5.0254% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3780% | 481 |
| Loan loss allowance to noncurrent loans | 37.7499% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 6.6713% | 486 |
| Noncurrent loans to loans | 8.9484% | 296 |
| Net loans and leases to total assets | 64.0852% | 2,881 |
| Net loans and leases to deposits | 71.7004% | 3,457 |
| Net loans and leases to core deposits | 72.0605% | 4,040 |
| Total domestic deposits to total assets | 89.3791% | 1,314 |
| Equity capital to assets | 9.1130% | 5,390 |
| Core capital (leverage) ratio | 7.5442% | 6,479 |
| Tier 1 risk-based capital ratio | 10.4980% | 6,556 |
| Total risk-based capital ratio | 11.7697% | 6,517 |
| Memoranda: | ||
| Average total assets | $150,858,600 | 3,760 |
| Average earning assets | $125,920,600 | 3,980 |
| Average equity | $13,701,600 | 4,225 |
| Average total loans | $113,402,200 | 3,218 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 347 |
| Cost of funding earning assets | 0.6407% | 4,276 |
| Net interest margin | 5.2347% | 277 |
| Noninterest income to average assets | 0.4595% | 4,215 |
| Noninterest expense to average assets | 3.4339% | 1,918 |
| Loan and lease loss provision to assets | 2.3683% | 71 |
| Net operating income to assets | -0.5449% | 6,721 |
| Return on assets (ROA) | -0.5449% | 6,746 |
| Pretax return on assets | -0.8768% | 6,825 |
| Return on Equity (ROE) | -6.0036% | 6,753 |
| Retained earnings to average equity (ytd only) | -6.0036% | 6,671 |
| Net charge-offs to loans | 2.1086% | 326 |
| Credit loss provision to net charge-offs | 145.6522% | 1,957 |
| Earnings coverage of net charge-offs (x) | 0.9173% | 4,869 |
| Efficiency ratio | 69.7182% | 3,747 |
| Assets per employee ($millions) | 5.1564% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6682% | 1,012 |
| Loan loss allowance to noncurrent loans | 64.7938% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 3.6071% | 1,386 |
| Noncurrent loans to loans | 4.1180% | 1,224 |
| Net loans and leases to total assets | 72.2586% | 1,508 |
| Net loans and leases to deposits | 80.8335% | 2,271 |
| Net loans and leases to core deposits | 81.4355% | 3,028 |
| Total domestic deposits to total assets | 89.3919% | 1,200 |
| Equity capital to assets | 9.3476% | 5,410 |
| Core capital (leverage) ratio | 8.4434% | 5,827 |
| Tier 1 risk-based capital ratio | 10.7687% | 6,579 |
| Total risk-based capital ratio | 12.0332% | 6,546 |
| Memoranda: | ||
| Average total assets | $154,652,000 | 3,743 |
| Average earning assets | $131,937,750 | 3,895 |
| Average equity | $14,035,750 | 4,186 |
| Average total loans | $119,254,250 | 3,129 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9343% | 329 |
| Cost of funding earning assets | 0.7008% | 4,008 |
| Net interest margin | 5.2335% | 273 |
| Noninterest income to average assets | 0.4770% | 4,081 |
| Noninterest expense to average assets | 3.5363% | 1,709 |
| Loan and lease loss provision to assets | 1.3791% | 275 |
| Net operating income to assets | 0.0493% | 6,256 |
| Return on assets (ROA) | 0.0493% | 6,398 |
| Pretax return on assets | 0.0873% | 6,345 |
| Return on Equity (ROE) | 0.5487% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.5487% | 5,844 |
| Net charge-offs to loans | 1.3109% | 807 |
| Credit loss provision to net charge-offs | 134.9010% | 2,041 |
| Earnings coverage of net charge-offs (x) | 1.4344% | 4,282 |
| Efficiency ratio | 70.6879% | 3,655 |
| Assets per employee ($millions) | 5.4827% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9854% | 2,266 |
| Loan loss allowance to noncurrent loans | 70.5318% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 3.2954% | 1,644 |
| Noncurrent loans to loans | 2.8149% | 2,127 |
| Net loans and leases to total assets | 73.3513% | 1,345 |
| Net loans and leases to deposits | 82.3348% | 2,073 |
| Net loans and leases to core deposits | 83.2337% | 2,793 |
| Total domestic deposits to total assets | 89.0891% | 1,456 |
| Equity capital to assets | 9.2290% | 5,432 |
| Core capital (leverage) ratio | 9.1242% | 4,729 |
| Tier 1 risk-based capital ratio | 10.9149% | 6,537 |
| Total risk-based capital ratio | 12.1714% | 6,515 |
| Memoranda: | ||
| Average total assets | $158,076,000 | 3,700 |
| Average earning assets | $136,697,330 | 3,833 |
| Average equity | $14,215,670 | 4,161 |
| Average total loans | $123,276,670 | 3,064 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9792% | 314 |
| Cost of funding earning assets | 0.7578% | 3,802 |
| Net interest margin | 5.2214% | 288 |
| Noninterest income to average assets | 0.5164% | 3,805 |
| Noninterest expense to average assets | 3.5247% | 1,705 |
| Loan and lease loss provision to assets | 0.6361% | 873 |
| Net operating income to assets | 0.5438% | 4,630 |
| Return on assets (ROA) | 0.5438% | 4,841 |
| Pretax return on assets | 0.8930% | 4,052 |
| Return on Equity (ROE) | 6.1238% | 4,228 |
| Retained earnings to average equity (ytd only) | 6.1238% | 2,887 |
| Net charge-offs to loans | 0.8535% | 1,203 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 2.2537% | 3,264 |
| Efficiency ratio | 69.7433% | 3,857 |
| Assets per employee ($millions) | 5.4161% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 3,911 |
| Loan loss allowance to noncurrent loans | 146.8148% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 2.2283% | 2,664 |
| Noncurrent loans to loans | 1.0597% | 4,582 |
| Net loans and leases to total assets | 79.8425% | 422 |
| Net loans and leases to deposits | 89.7444% | 989 |
| Net loans and leases to core deposits | 91.6282% | 1,685 |
| Total domestic deposits to total assets | 88.9666% | 1,713 |
| Equity capital to assets | 9.1349% | 5,317 |
| Core capital (leverage) ratio | 8.8052% | 5,123 |
| Tier 1 risk-based capital ratio | 10.1101% | 6,852 |
| Total risk-based capital ratio | 11.3618% | 6,844 |
| Memoranda: | ||
| Average total assets | $160,356,000 | 3,678 |
| Average earning assets | $139,350,500 | 3,827 |
| Average equity | $14,239,500 | 4,150 |
| Average total loans | $127,471,500 | 2,990 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8995% | 521 |
| Cost of funding earning assets | 1.0264% | 3,183 |
| Net interest margin | 4.8731% | 541 |
| Noninterest income to average assets | 0.2637% | 5,646 |
| Noninterest expense to average assets | 2.9756% | 3,682 |
| Loan and lease loss provision to assets | 0.5145% | 2,046 |
| Net operating income to assets | 0.5467% | 4,248 |
| Return on assets (ROA) | 0.5467% | 4,438 |
| Pretax return on assets | 0.8934% | 3,626 |
| Return on Equity (ROE) | 6.8939% | 3,445 |
| Retained earnings to average equity (ytd only) | 6.8939% | 1,555 |
| Net charge-offs to loans | 0.6288% | 2,575 |
| Credit loss provision to net charge-offs | 113.1105% | 2,916 |
| Earnings coverage of net charge-offs (x) | 3.0951% | 3,658 |
| Efficiency ratio | 67.8805% | 4,390 |
| Assets per employee ($millions) | 5.4548% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 3,721 |
| Loan loss allowance to noncurrent loans | 1,129.3785% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 5,482 |
| Noncurrent loans to loans | 0.1388% | 6,465 |
| Net loans and leases to total assets | 76.7245% | 860 |
| Net loans and leases to deposits | 85.3065% | 1,761 |
| Net loans and leases to core deposits | 88.7885% | 2,279 |
| Total domestic deposits to total assets | 89.9397% | 1,025 |
| Equity capital to assets | 8.6352% | 5,975 |
| Core capital (leverage) ratio | 8.6148% | 5,370 |
| Tier 1 risk-based capital ratio | 10.0027% | 6,860 |
| Total risk-based capital ratio | 11.2546% | 6,848 |
| Memoranda: | ||
| Average total assets | $171,025,800 | 3,469 |
| Average earning assets | $144,588,400 | 3,664 |
| Average equity | $13,562,800 | 4,225 |
| Average total loans | $123,737,400 | 3,107 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8213% | 676 |
| Cost of funding earning assets | 1.0816% | 3,101 |
| Net interest margin | 4.7398% | 699 |
| Noninterest income to average assets | 0.1843% | 6,275 |
| Noninterest expense to average assets | 2.8583% | 4,110 |
| Loan and lease loss provision to assets | 0.4473% | 2,233 |
| Net operating income to assets | 0.5237% | 4,440 |
| Return on assets (ROA) | 0.5237% | 4,618 |
| Pretax return on assets | 0.8569% | 3,923 |
| Return on Equity (ROE) | 6.7456% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.7456% | 2,111 |
| Net charge-offs to loans | 0.3833% | 3,201 |
| Credit loss provision to net charge-offs | 164.3059% | 1,859 |
| Earnings coverage of net charge-offs (x) | 4.7904% | 2,964 |
| Efficiency ratio | 68.6678% | 4,182 |
| Assets per employee ($millions) | 5.6942% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6921% | 3,303 |
| Loan loss allowance to noncurrent loans | 2,723.0769% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 5,246 |
| Noncurrent loans to loans | 0.0621% | 6,777 |
| Net loans and leases to total assets | 74.7263% | 1,193 |
| Net loans and leases to deposits | 82.5370% | 2,252 |
| Net loans and leases to core deposits | 86.3284% | 2,735 |
| Total domestic deposits to total assets | 90.5367% | 617 |
| Equity capital to assets | 8.4018% | 6,395 |
| Core capital (leverage) ratio | 8.2411% | 6,071 |
| Tier 1 risk-based capital ratio | 9.7830% | 7,010 |
| Total risk-based capital ratio | 11.0361% | 7,003 |
| Memoranda: | ||
| Average total assets | $172,871,250 | 3,467 |
| Average earning assets | $145,094,750 | 3,678 |
| Average equity | $13,420,750 | 4,263 |
| Average total loans | $122,783,250 | 3,149 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7097% | 858 |
| Cost of funding earning assets | 1.1245% | 3,075 |
| Net interest margin | 4.5852% | 937 |
| Noninterest income to average assets | 0.1630% | 6,486 |
| Noninterest expense to average assets | 2.8669% | 4,158 |
| Loan and lease loss provision to assets | 0.3306% | 2,801 |
| Net operating income to assets | 0.4913% | 4,539 |
| Return on assets (ROA) | 0.4913% | 4,676 |
| Pretax return on assets | 0.8048% | 4,010 |
| Return on Equity (ROE) | 6.4960% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.4960% | 2,146 |
| Net charge-offs to loans | 0.5875% | 2,350 |
| Credit loss provision to net charge-offs | 81.0056% | 3,740 |
| Earnings coverage of net charge-offs (x) | 2.7821% | 3,458 |
| Efficiency ratio | 71.6320% | 3,812 |
| Assets per employee ($millions) | 6.2638% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,213 |
| Loan loss allowance to noncurrent loans | 2,344.8718% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.7456% | 5,422 |
| Noncurrent loans to loans | 0.0632% | 6,828 |
| Net loans and leases to total assets | 71.8907% | 1,806 |
| Net loans and leases to deposits | 79.5586% | 2,875 |
| Net loans and leases to core deposits | 82.4303% | 3,441 |
| Total domestic deposits to total assets | 90.3620% | 780 |
| Equity capital to assets | 8.0539% | 6,639 |
| Core capital (leverage) ratio | 7.9372% | 6,372 |
| Tier 1 risk-based capital ratio | 9.5790% | 7,086 |
| Total risk-based capital ratio | 10.8298% | 7,091 |
| Memoranda: | ||
| Average total assets | $175,451,000 | 3,444 |
| Average earning assets | $146,907,670 | 3,667 |
| Average equity | $13,269,670 | 4,281 |
| Average total loans | $121,870,670 | 3,193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5582% | 1,158 |
| Cost of funding earning assets | 1.1725% | 2,999 |
| Net interest margin | 4.3857% | 1,322 |
| Noninterest income to average assets | 0.1904% | 6,361 |
| Noninterest expense to average assets | 3.4532% | 2,136 |
| Loan and lease loss provision to assets | 0.2016% | 3,622 |
| Net operating income to assets | 0.1276% | 6,017 |
| Return on assets (ROA) | 0.1276% | 6,075 |
| Pretax return on assets | 0.2127% | 5,909 |
| Return on Equity (ROE) | 1.7413% | 5,888 |
| Retained earnings to average equity (ytd only) | 1.7413% | 5,073 |
| Net charge-offs to loans | 0.6045% | 1,989 |
| Credit loss provision to net charge-offs | 49.1803% | 3,771 |
| Earnings coverage of net charge-offs (x) | 1.0109% | 3,900 |
| Efficiency ratio | 89.2878% | 1,394 |
| Assets per employee ($millions) | 6.7664% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 4,192 |
| Loan loss allowance to noncurrent loans | 430.5489% | 728 |
| Noncurrent assets plus other real estate owned to assets | 1.1001% | 4,722 |
| Noncurrent loans to loans | 0.3491% | 6,293 |
| Net loans and leases to total assets | 69.8796% | 2,151 |
| Net loans and leases to deposits | 77.2007% | 3,216 |
| Net loans and leases to core deposits | 80.1792% | 3,726 |
| Total domestic deposits to total assets | 90.5167% | 830 |
| Equity capital to assets | 7.8298% | 6,653 |
| Core capital (leverage) ratio | 6.9359% | 7,033 |
| Tier 1 risk-based capital ratio | 9.1758% | 7,203 |
| Total risk-based capital ratio | 10.4270% | 7,206 |
| Memoranda: | ||
| Average total assets | $178,615,500 | 3,403 |
| Average earning assets | $149,761,000 | 3,645 |
| Average equity | $13,094,000 | 4,313 |
| Average total loans | $121,100,000 | 3,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6416% | 1,767 |
| Cost of funding earning assets | 1.5884% | 2,139 |
| Net interest margin | 4.0532% | 2,792 |
| Noninterest income to average assets | 0.2303% | 6,156 |
| Noninterest expense to average assets | 2.8292% | 4,481 |
| Loan and lease loss provision to assets | 0.8767% | 1,868 |
| Net operating income to assets | 0.1036% | 5,576 |
| Return on assets (ROA) | 0.1036% | 5,718 |
| Pretax return on assets | 0.1722% | 5,552 |
| Return on Equity (ROE) | 1.3720% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.3720% | 4,860 |
| Net charge-offs to loans | 0.6713% | 2,994 |
| Credit loss provision to net charge-offs | 189.3531% | 1,705 |
| Earnings coverage of net charge-offs (x) | 2.2655% | 4,027 |
| Efficiency ratio | 72.9525% | 3,604 |
| Assets per employee ($millions) | 6.9656% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 3,761 |
| Loan loss allowance to noncurrent loans | 418.7638% | 742 |
| Noncurrent assets plus other real estate owned to assets | 1.5819% | 3,932 |
| Noncurrent loans to loans | 0.3707% | 6,313 |
| Net loans and leases to total assets | 63.9602% | 3,881 |
| Net loans and leases to deposits | 69.1886% | 4,932 |
| Net loans and leases to core deposits | 77.7937% | 4,477 |
| Total domestic deposits to total assets | 92.4432% | 196 |
| Equity capital to assets | 6.8820% | 7,145 |
| Core capital (leverage) ratio | 6.5526% | 7,185 |
| Tier 1 risk-based capital ratio | 8.9010% | 7,262 |
| Total risk-based capital ratio | 10.1526% | 7,267 |
| Memoranda: | ||
| Average total assets | $160,259,000 | 3,691 |
| Average earning assets | $144,232,800 | 3,737 |
| Average equity | $12,099,200 | 4,577 |
| Average total loans | $110,527,200 | 3,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6571% | 1,864 |
| Cost of funding earning assets | 1.6372% | 2,171 |
| Net interest margin | 4.0199% | 3,005 |
| Noninterest income to average assets | 0.2374% | 6,189 |
| Noninterest expense to average assets | 2.8778% | 4,169 |
| Loan and lease loss provision to assets | 0.5957% | 2,562 |
| Net operating income to assets | 0.2218% | 5,443 |
| Return on assets (ROA) | 0.2218% | 5,607 |
| Pretax return on assets | 0.4262% | 5,149 |
| Return on Equity (ROE) | 2.8599% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.8599% | 4,418 |
| Net charge-offs to loans | 0.1499% | 5,109 |
| Credit loss provision to net charge-offs | 566.1157% | 509 |
| Earnings coverage of net charge-offs (x) | 9.7107% | 1,982 |
| Efficiency ratio | 73.7957% | 3,363 |
| Assets per employee ($millions) | 7.5704% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,850 |
| Loan loss allowance to noncurrent loans | 554.9383% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 4,253 |
| Noncurrent loans to loans | 0.2746% | 6,637 |
| Net loans and leases to total assets | 63.9430% | 4,137 |
| Net loans and leases to deposits | 69.7129% | 5,195 |
| Net loans and leases to core deposits | 78.8316% | 4,696 |
| Total domestic deposits to total assets | 91.7233% | 251 |
| Equity capital to assets | 7.0642% | 7,321 |
| Core capital (leverage) ratio | 6.7331% | 7,275 |
| Tier 1 risk-based capital ratio | 9.0412% | 7,356 |
| Total risk-based capital ratio | 10.2925% | 7,373 |
| Memoranda: | ||
| Average total assets | $153,306,250 | 3,870 |
| Average earning assets | $139,667,750 | 3,880 |
| Average equity | $11,888,250 | 4,709 |
| Average total loans | $107,612,250 | 3,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6888% | 1,809 |
| Cost of funding earning assets | 1.6566% | 2,350 |
| Net interest margin | 4.0322% | 2,865 |
| Noninterest income to average assets | 0.2433% | 6,170 |
| Noninterest expense to average assets | 2.9726% | 3,818 |
| Loan and lease loss provision to assets | 0.6437% | 2,234 |
| Net operating income to assets | 0.1460% | 5,737 |
| Return on assets (ROA) | 0.1460% | 5,852 |
| Pretax return on assets | 0.3698% | 5,307 |
| Return on Equity (ROE) | 1.8146% | 5,689 |
| Retained earnings to average equity (ytd only) | 1.8146% | 4,959 |
| Net charge-offs to loans | 0.1459% | 4,776 |
| Credit loss provision to net charge-offs | 609.2105% | 600 |
| Earnings coverage of net charge-offs (x) | 9.5921% | 2,001 |
| Efficiency ratio | 74.5727% | 3,354 |
| Assets per employee ($millions) | 6.4266% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,057 |
| Loan loss allowance to noncurrent loans | 733.4842% | 454 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 4,269 |
| Noncurrent loans to loans | 0.2006% | 6,852 |
| Net loans and leases to total assets | 62.5483% | 4,571 |
| Net loans and leases to deposits | 68.4779% | 5,493 |
| Net loans and leases to core deposits | 78.2715% | 4,897 |
| Total domestic deposits to total assets | 91.3409% | 375 |
| Equity capital to assets | 6.7140% | 7,438 |
| Core capital (leverage) ratio | 7.0995% | 7,131 |
| Tier 1 risk-based capital ratio | 8.8434% | 7,440 |
| Total risk-based capital ratio | 10.0940% | 7,455 |
| Memoranda: | ||
| Average total assets | $143,845,000 | 4,061 |
| Average earning assets | $133,526,670 | 4,031 |
| Average equity | $11,572,670 | 4,787 |
| Average total loans | $104,157,670 | 3,764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0940% | 785 |
| Cost of funding earning assets | 1.7521% | 2,119 |
| Net interest margin | 4.3419% | 1,560 |
| Noninterest income to average assets | 0.2356% | 6,266 |
| Noninterest expense to average assets | 3.2556% | 2,688 |
| Loan and lease loss provision to assets | 0.5426% | 2,330 |
| Net operating income to assets | 0.2697% | 5,423 |
| Return on assets (ROA) | 0.2697% | 5,544 |
| Pretax return on assets | 0.4868% | 5,009 |
| Return on Equity (ROE) | 3.0172% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.0172% | 4,326 |
| Net charge-offs to loans | 0.3163% | 3,149 |
| Credit loss provision to net charge-offs | 218.7500% | 1,719 |
| Earnings coverage of net charge-offs (x) | 4.1500% | 2,691 |
| Efficiency ratio | 75.9768% | 3,220 |
| Assets per employee ($millions) | 5.7016% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,870 |
| Loan loss allowance to noncurrent loans | 125.0235% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 3,141 |
| Noncurrent loans to loans | 1.0491% | 5,247 |
| Net loans and leases to total assets | 73.0762% | 2,181 |
| Net loans and leases to deposits | 82.0972% | 3,268 |
| Net loans and leases to core deposits | 94.6959% | 2,746 |
| Total domestic deposits to total assets | 89.0118% | 1,509 |
| Equity capital to assets | 8.4699% | 6,043 |
| Core capital (leverage) ratio | 8.2619% | 5,815 |
| Tier 1 risk-based capital ratio | 9.1478% | 7,444 |
| Total risk-based capital ratio | 10.3132% | 7,471 |
| Memoranda: | ||
| Average total assets | $129,009,000 | 4,439 |
| Average earning assets | $120,315,500 | 4,364 |
| Average equity | $11,534,000 | 4,841 |
| Average total loans | $101,160,000 | 3,921 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8030% | 380 |
| Cost of funding earning assets | 1.8963% | 3,482 |
| Net interest margin | 4.9067% | 548 |
| Noninterest income to average assets | 0.2738% | 6,151 |
| Noninterest expense to average assets | 3.7295% | 1,844 |
| Loan and lease loss provision to assets | 1.0747% | 2,133 |
| Net operating income to assets | 0.0083% | 5,461 |
| Return on assets (ROA) | 0.0083% | 5,510 |
| Pretax return on assets | 0.0207% | 5,386 |
| Return on Equity (ROE) | 0.0695% | 5,512 |
| Retained earnings to average equity (ytd only) | 0.0695% | 4,864 |
| Net charge-offs to loans | 0.5762% | 3,488 |
| Credit loss provision to net charge-offs | 219.4093% | 1,721 |
| Earnings coverage of net charge-offs (x) | 2.2363% | 4,039 |
| Efficiency ratio | 77.2971% | 3,309 |
| Assets per employee ($millions) | 4.8472% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,231 |
| Loan loss allowance to noncurrent loans | 553.3632% | 605 |
| Noncurrent assets plus other real estate owned to assets | 1.8567% | 3,584 |
| Noncurrent loans to loans | 0.2208% | 6,877 |
| Net loans and leases to total assets | 82.3246% | 637 |
| Net loans and leases to deposits | 92.1401% | 1,874 |
| Net loans and leases to core deposits | 119.4599% | 1,992 |
| Total domestic deposits to total assets | 89.3473% | 1,299 |
| Equity capital to assets | 9.4719% | 4,455 |
| Core capital (leverage) ratio | 8.7186% | 4,893 |
| Tier 1 risk-based capital ratio | 9.3192% | 7,322 |
| Total risk-based capital ratio | 10.4496% | 7,379 |
| Memoranda: | ||
| Average total assets | $96,770,000 | 5,176 |
| Average earning assets | $89,755,000 | 5,130 |
| Average equity | $11,507,200 | 4,874 |
| Average total loans | $82,267,000 | 4,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7350% | 476 |
| Cost of funding earning assets | 1.8869% | 3,947 |
| Net interest margin | 4.8481% | 626 |
| Noninterest income to average assets | 0.3309% | 5,841 |
| Noninterest expense to average assets | 3.7822% | 1,630 |
| Loan and lease loss provision to assets | 0.6617% | 2,758 |
| Net operating income to assets | 0.2088% | 5,117 |
| Return on assets (ROA) | 0.2088% | 5,206 |
| Pretax return on assets | 0.3794% | 4,849 |
| Return on Equity (ROE) | 1.6443% | 5,288 |
| Retained earnings to average equity (ytd only) | 1.6443% | 4,395 |
| Net charge-offs to loans | 0.2595% | 4,427 |
| Credit loss provision to net charge-offs | 298.0132% | 1,389 |
| Earnings coverage of net charge-offs (x) | 4.6887% | 3,038 |
| Efficiency ratio | 78.4146% | 3,098 |
| Assets per employee ($millions) | 4.8495% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 6,373 |
| Loan loss allowance to noncurrent loans | 249.4845% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 2.2566% | 3,036 |
| Noncurrent loans to loans | 0.3957% | 6,548 |
| Net loans and leases to total assets | 87.0449% | 269 |
| Net loans and leases to deposits | 98.7590% | 1,238 |
| Net loans and leases to core deposits | 131.8427% | 1,334 |
| Total domestic deposits to total assets | 88.1387% | 1,600 |
| Equity capital to assets | 10.4161% | 3,599 |
| Core capital (leverage) ratio | 10.3982% | 2,887 |
| Tier 1 risk-based capital ratio | 9.6807% | 7,252 |
| Total risk-based capital ratio | 10.5884% | 7,454 |
| Memoranda: | ||
| Average total assets | $90,667,500 | 5,406 |
| Average earning assets | $84,016,750 | 5,373 |
| Average equity | $11,514,500 | 4,920 |
| Average total loans | $77,585,000 | 4,644 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7645% | 483 |
| Cost of funding earning assets | 1.9556% | 3,979 |
| Net interest margin | 4.8090% | 642 |
| Noninterest income to average assets | 0.3202% | 5,947 |
| Noninterest expense to average assets | 3.9207% | 1,443 |
| Loan and lease loss provision to assets | 0.6092% | 2,613 |
| Net operating income to assets | 0.1266% | 5,488 |
| Return on assets (ROA) | 0.1266% | 5,592 |
| Pretax return on assets | 0.2437% | 5,342 |
| Return on Equity (ROE) | 0.9233% | 5,651 |
| Retained earnings to average equity (ytd only) | 0.9233% | 4,810 |
| Net charge-offs to loans | 0.0141% | 6,346 |
| Credit loss provision to net charge-offs | 5,100.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 71.4000% | 530 |
| Efficiency ratio | 82.1321% | 2,707 |
| Assets per employee ($millions) | 4.2839% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 5,536 |
| Loan loss allowance to noncurrent loans | 923.7624% | 384 |
| Noncurrent assets plus other real estate owned to assets | 1.5884% | 3,830 |
| Noncurrent loans to loans | 0.1201% | 7,214 |
| Net loans and leases to total assets | 88.2636% | 223 |
| Net loans and leases to deposits | 105.8967% | 770 |
| Net loans and leases to core deposits | 151.9398% | 602 |
| Total domestic deposits to total assets | 83.3487% | 4,091 |
| Equity capital to assets | 12.2182% | 2,075 |
| Core capital (leverage) ratio | 11.7803% | 1,933 |
| Tier 1 risk-based capital ratio | 11.0658% | 5,815 |
| Total risk-based capital ratio | 12.0758% | 5,989 |
| Memoranda: | ||
| Average total assets | $83,710,330 | 5,670 |
| Average earning assets | $77,522,000 | 5,612 |
| Average equity | $11,480,000 | 4,957 |
| Average total loans | $70,761,000 | 4,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5893% | 722 |
| Cost of funding earning assets | 1.9872% | 4,196 |
| Net interest margin | 4.6020% | 935 |
| Noninterest income to average assets | 0.3315% | 5,796 |
| Noninterest expense to average assets | 3.9111% | 1,295 |
| Loan and lease loss provision to assets | 0.4844% | 2,541 |
| Net operating income to assets | 0.0969% | 5,987 |
| Return on assets (ROA) | 0.0969% | 6,153 |
| Pretax return on assets | 0.1989% | 5,939 |
| Return on Equity (ROE) | 0.6630% | 6,238 |
| Retained earnings to average equity (ytd only) | 0.6630% | 5,396 |
| Net charge-offs to loans | 0.0187% | 5,304 |
| Credit loss provision to net charge-offs | 3,166.6667% | 206 |
| Earnings coverage of net charge-offs (x) | 44.6667% | 782 |
| Efficiency ratio | 85.1276% | 2,179 |
| Assets per employee ($millions) | 3.9666% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 5,423 |
| Loan loss allowance to noncurrent loans | 767.3267% | 495 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 3,380 |
| Noncurrent loans to loans | 0.1442% | 7,106 |
| Net loans and leases to total assets | 79.3906% | 1,496 |
| Net loans and leases to deposits | 97.5363% | 1,728 |
| Net loans and leases to core deposits | 140.2904% | 1,086 |
| Total domestic deposits to total assets | 81.3960% | 4,793 |
| Equity capital to assets | 13.1506% | 1,679 |
| Core capital (leverage) ratio | 12.7911% | 1,563 |
| Tier 1 risk-based capital ratio | 12.6548% | 4,432 |
| Total risk-based capital ratio | 13.6211% | 4,564 |
| Memoranda: | ||
| Average total assets | $78,443,000 | 5,874 |
| Average earning assets | $72,663,500 | 5,822 |
| Average equity | $11,462,500 | 4,987 |
| Average total loans | $64,083,000 | 5,204 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2230% | 702 |
| Cost of funding earning assets | 2.4401% | 4,527 |
| Net interest margin | 4.7829% | 802 |
| Noninterest income to average assets | 0.3565% | 5,875 |
| Noninterest expense to average assets | 4.9786% | 631 |
| Loan and lease loss provision to assets | 0.6133% | 2,375 |
| Net operating income to assets | 1.6961% | 683 |
| Return on assets (ROA) | 1.6961% | 654 |
| Pretax return on assets | -0.7376% | 6,837 |
| Return on Equity (ROE) | 9.8668% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.8668% | 469 |
| Net charge-offs to loans | 0.2801% | 3,531 |
| Credit loss provision to net charge-offs | 250.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -0.5067% | 6,487 |
| Efficiency ratio | 102.5606% | 901 |
| Assets per employee ($millions) | 3.8678% | 3,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,735 |
| Loan loss allowance to noncurrent loans | 676.2376% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 6,995 |
| Noncurrent loans to loans | 0.1738% | 6,867 |
| Net loans and leases to total assets | 82.4864% | 1,139 |
| Net loans and leases to deposits | 107.9029% | 983 |
| Net loans and leases to core deposits | 159.4751% | 585 |
| Total domestic deposits to total assets | 76.4450% | 6,133 |
| Equity capital to assets | 16.4450% | 849 |
| Core capital (leverage) ratio | 15.6535% | 890 |
| Tier 1 risk-based capital ratio | 15.4573% | 2,859 |
| Total risk-based capital ratio | 16.5029% | 2,864 |
| Memoranda: | ||
| Average total assets | $61,141,800 | 6,347 |
| Average earning assets | $57,497,000 | 6,282 |
| Average equity | $10,510,000 | 5,259 |
| Average total loans | $53,559,400 | 5,544 |