Home > Traverse City State Bank > Performance and Condition Ratios
Traverse City State Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 1,118 |
| Cost of funding earning assets | 0.5097% | 2,723 |
| Net interest margin | 4.2743% | 995 |
| Noninterest income to average assets | 0.9347% | 1,062 |
| Noninterest expense to average assets | 3.6493% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0880% | 2,480 |
| Return on assets (ROA) | 1.0880% | 2,496 |
| Pretax return on assets | 1.3579% | 2,158 |
| Return on Equity (ROE) | 9.9641% | 2,453 |
| Retained earnings to average equity (ytd only) | 9.9641% | 1,169 |
| Net charge-offs to loans | -0.0189% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8814% | 2,059 |
| Assets per employee ($millions) | 4.1686% | 3,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,443 |
| Loan loss allowance to noncurrent loans | 463.0952% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,223 |
| Noncurrent loans to loans | 0.1948% | 4,088 |
| Net loans and leases to total assets | 87.4970% | 165 |
| Net loans and leases to deposits | 103.4867% | 510 |
| Net loans and leases to core deposits | 121.0616% | 555 |
| Total domestic deposits to total assets | 84.5490% | 3,099 |
| Equity capital to assets | 10.9716% | 2,616 |
| Core capital (leverage) ratio | 10.4886% | 2,956 |
| Tier 1 risk-based capital ratio | 12.2401% | 4,410 |
| Total risk-based capital ratio | 13.1895% | 4,482 |
| Memoranda: | ||
| Average total assets | $339,352,000 | 1,981 |
| Average earning assets | $323,330,500 | 1,951 |
| Average equity | $37,053,000 | 1,995 |
| Average total loans | $296,666,000 | 1,622 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 1,798 |
| Cost of funding earning assets | 0.4257% | 2,996 |
| Net interest margin | 4.0494% | 1,593 |
| Noninterest income to average assets | 1.1702% | 754 |
| Noninterest expense to average assets | 3.2828% | 1,409 |
| Loan and lease loss provision to assets | 0.4249% | 335 |
| Net operating income to assets | 1.0076% | 2,209 |
| Return on assets (ROA) | 1.0076% | 2,246 |
| Pretax return on assets | 1.3077% | 2,315 |
| Return on Equity (ROE) | 9.6760% | 2,020 |
| Retained earnings to average equity (ytd only) | 9.6760% | 397 |
| Net charge-offs to loans | 0.6045% | 381 |
| Credit loss provision to net charge-offs | 85.2100% | 2,862 |
| Earnings coverage of net charge-offs (x) | 3.4747% | 3,602 |
| Efficiency ratio | 65.4544% | 3,348 |
| Assets per employee ($millions) | 3.9632% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 4,321 |
| Loan loss allowance to noncurrent loans | 372.1154% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 4,056 |
| Noncurrent loans to loans | 0.2497% | 3,894 |
| Net loans and leases to total assets | 85.7321% | 276 |
| Net loans and leases to deposits | 102.3942% | 581 |
| Net loans and leases to core deposits | 113.2020% | 831 |
| Total domestic deposits to total assets | 83.7275% | 3,303 |
| Equity capital to assets | 10.8652% | 2,769 |
| Core capital (leverage) ratio | 10.1310% | 3,269 |
| Tier 1 risk-based capital ratio | 12.3244% | 4,310 |
| Total risk-based capital ratio | 13.3013% | 4,380 |
| Memoranda: | ||
| Average total assets | $329,510,000 | 2,012 |
| Average earning assets | $312,885,600 | 1,970 |
| Average equity | $34,311,800 | 2,119 |
| Average total loans | $271,807,800 | 1,701 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3488% | 2,112 |
| Cost of funding earning assets | 0.4095% | 3,093 |
| Net interest margin | 3.9393% | 1,897 |
| Noninterest income to average assets | 1.0832% | 868 |
| Noninterest expense to average assets | 3.2890% | 1,377 |
| Loan and lease loss provision to assets | 0.2848% | 568 |
| Net operating income to assets | 0.8557% | 3,254 |
| Return on assets (ROA) | 0.8557% | 3,299 |
| Pretax return on assets | 1.2512% | 2,699 |
| Return on Equity (ROE) | 8.3106% | 2,972 |
| Retained earnings to average equity (ytd only) | 8.3106% | 1,090 |
| Net charge-offs to loans | 0.6440% | 309 |
| Credit loss provision to net charge-offs | 54.3057% | 2,865 |
| Earnings coverage of net charge-offs (x) | 2.9286% | 3,407 |
| Efficiency ratio | 68.1650% | 2,848 |
| Assets per employee ($millions) | 4.0339% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,785 |
| Loan loss allowance to noncurrent loans | 261.1050% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,919 |
| Noncurrent loans to loans | 0.3229% | 3,791 |
| Net loans and leases to total assets | 80.1110% | 972 |
| Net loans and leases to deposits | 94.8568% | 1,217 |
| Net loans and leases to core deposits | 103.1963% | 1,452 |
| Total domestic deposits to total assets | 84.4547% | 2,937 |
| Equity capital to assets | 10.2106% | 3,682 |
| Core capital (leverage) ratio | 9.8347% | 3,776 |
| Tier 1 risk-based capital ratio | 12.5059% | 4,306 |
| Total risk-based capital ratio | 13.3957% | 4,422 |
| Memoranda: | ||
| Average total assets | $327,668,750 | 2,035 |
| Average earning assets | $311,250,000 | 1,995 |
| Average equity | $33,739,250 | 2,156 |
| Average total loans | $266,880,000 | 1,735 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,134 |
| Cost of funding earning assets | 0.3898% | 3,181 |
| Net interest margin | 3.9083% | 1,898 |
| Noninterest income to average assets | 1.1069% | 818 |
| Noninterest expense to average assets | 3.3930% | 1,182 |
| Loan and lease loss provision to assets | 0.1245% | 1,664 |
| Net operating income to assets | 0.8872% | 2,977 |
| Return on assets (ROA) | 0.8872% | 3,037 |
| Pretax return on assets | 1.2968% | 2,398 |
| Return on Equity (ROE) | 8.5899% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.5899% | 970 |
| Net charge-offs to loans | 0.2058% | 985 |
| Credit loss provision to net charge-offs | 74.0741% | 2,333 |
| Earnings coverage of net charge-offs (x) | 8.4556% | 2,509 |
| Efficiency ratio | 70.4772% | 2,587 |
| Assets per employee ($millions) | 3.8342% | 4,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,884 |
| Loan loss allowance to noncurrent loans | 137.1728% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.9198% | 1,914 |
| Noncurrent loans to loans | 0.7610% | 2,490 |
| Net loans and leases to total assets | 82.8551% | 571 |
| Net loans and leases to deposits | 98.7348% | 827 |
| Net loans and leases to core deposits | 109.1997% | 1,040 |
| Total domestic deposits to total assets | 83.9169% | 3,231 |
| Equity capital to assets | 10.5373% | 3,291 |
| Core capital (leverage) ratio | 10.1970% | 3,278 |
| Tier 1 risk-based capital ratio | 12.3365% | 4,397 |
| Total risk-based capital ratio | 13.4300% | 4,388 |
| Memoranda: | ||
| Average total assets | $321,253,330 | 2,075 |
| Average earning assets | $304,735,000 | 2,028 |
| Average equity | $33,178,330 | 2,180 |
| Average total loans | $262,413,330 | 1,753 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 2,356 |
| Cost of funding earning assets | 0.3791% | 3,211 |
| Net interest margin | 3.7966% | 2,123 |
| Noninterest income to average assets | 2.0526% | 304 |
| Noninterest expense to average assets | 3.3907% | 1,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5322% | 767 |
| Return on assets (ROA) | 1.5322% | 791 |
| Pretax return on assets | 2.2705% | 317 |
| Return on Equity (ROE) | 14.8785% | 663 |
| Retained earnings to average equity (ytd only) | 14.8785% | 239 |
| Net charge-offs to loans | -0.0689% | 5,319 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8932% | 4,463 |
| Assets per employee ($millions) | 3.6637% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 3,381 |
| Loan loss allowance to noncurrent loans | 133.7500% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 1,869 |
| Noncurrent loans to loans | 0.8637% | 2,306 |
| Net loans and leases to total assets | 79.5120% | 898 |
| Net loans and leases to deposits | 94.6895% | 1,046 |
| Net loans and leases to core deposits | 106.0630% | 1,094 |
| Total domestic deposits to total assets | 83.9714% | 3,489 |
| Equity capital to assets | 10.3299% | 3,376 |
| Core capital (leverage) ratio | 9.9413% | 3,577 |
| Tier 1 risk-based capital ratio | 12.7158% | 4,247 |
| Total risk-based capital ratio | 13.9415% | 4,168 |
| Memoranda: | ||
| Average total assets | $317,458,500 | 2,107 |
| Average earning assets | $301,742,500 | 2,061 |
| Average equity | $32,691,500 | 2,206 |
| Average total loans | $255,574,500 | 1,801 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 2,784 |
| Cost of funding earning assets | 0.3670% | 3,342 |
| Net interest margin | 3.7496% | 2,507 |
| Noninterest income to average assets | 1.3490% | 629 |
| Noninterest expense to average assets | 3.3496% | 1,468 |
| Loan and lease loss provision to assets | 0.2661% | 760 |
| Net operating income to assets | 0.8767% | 2,947 |
| Return on assets (ROA) | 0.8767% | 3,057 |
| Pretax return on assets | 1.2908% | 2,312 |
| Return on Equity (ROE) | 8.5453% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.5453% | 685 |
| Net charge-offs to loans | 0.1146% | 2,112 |
| Credit loss provision to net charge-offs | 298.5075% | 992 |
| Earnings coverage of net charge-offs (x) | 17.4664% | 2,045 |
| Efficiency ratio | 68.2687% | 3,193 |
| Assets per employee ($millions) | 3.6339% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 3,295 |
| Loan loss allowance to noncurrent loans | 161.3115% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 2,150 |
| Noncurrent loans to loans | 0.7268% | 2,716 |
| Net loans and leases to total assets | 79.6290% | 946 |
| Net loans and leases to deposits | 93.0138% | 1,298 |
| Net loans and leases to core deposits | 103.8628% | 1,293 |
| Total domestic deposits to total assets | 85.6099% | 2,776 |
| Equity capital to assets | 10.2649% | 3,432 |
| Core capital (leverage) ratio | 9.7333% | 3,818 |
| Tier 1 risk-based capital ratio | 12.6684% | 4,282 |
| Total risk-based capital ratio | 13.9182% | 4,169 |
| Memoranda: | ||
| Average total assets | $300,664,000 | 2,159 |
| Average earning assets | $285,256,200 | 2,129 |
| Average equity | $30,847,400 | 2,302 |
| Average total loans | $233,892,400 | 1,879 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 2,932 |
| Cost of funding earning assets | 0.3724% | 3,309 |
| Net interest margin | 3.7125% | 2,671 |
| Noninterest income to average assets | 1.2558% | 735 |
| Noninterest expense to average assets | 3.3245% | 1,506 |
| Loan and lease loss provision to assets | 0.0896% | 2,434 |
| Net operating income to assets | 0.9374% | 2,716 |
| Return on assets (ROA) | 0.9374% | 2,841 |
| Pretax return on assets | 1.3646% | 2,176 |
| Return on Equity (ROE) | 9.1377% | 2,428 |
| Retained earnings to average equity (ytd only) | 9.1377% | 778 |
| Net charge-offs to loans | -0.0494% | 5,362 |
| Credit loss provision to net charge-offs | -235.2941% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5689% | 2,957 |
| Assets per employee ($millions) | 3.8797% | 4,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 3,681 |
| Loan loss allowance to noncurrent loans | 100.8576% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2581% | 1,554 |
| Noncurrent loans to loans | 1.1194% | 2,012 |
| Net loans and leases to total assets | 76.3247% | 1,472 |
| Net loans and leases to deposits | 89.1538% | 1,865 |
| Net loans and leases to core deposits | 100.5919% | 1,578 |
| Total domestic deposits to total assets | 85.6101% | 2,551 |
| Equity capital to assets | 10.1789% | 3,945 |
| Core capital (leverage) ratio | 9.7419% | 3,883 |
| Tier 1 risk-based capital ratio | 13.0650% | 4,125 |
| Total risk-based capital ratio | 14.2716% | 4,063 |
| Memoranda: | ||
| Average total assets | $297,701,750 | 2,183 |
| Average earning assets | $282,496,250 | 2,147 |
| Average equity | $30,539,500 | 2,326 |
| Average total loans | $229,414,750 | 1,913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0582% | 3,032 |
| Cost of funding earning assets | 0.3768% | 3,284 |
| Net interest margin | 3.6814% | 2,779 |
| Noninterest income to average assets | 1.1599% | 832 |
| Noninterest expense to average assets | 3.2698% | 1,647 |
| Loan and lease loss provision to assets | 0.0341% | 3,471 |
| Net operating income to assets | 0.9377% | 2,691 |
| Return on assets (ROA) | 0.9377% | 2,828 |
| Pretax return on assets | 1.3650% | 2,147 |
| Return on Equity (ROE) | 9.1161% | 2,442 |
| Retained earnings to average equity (ytd only) | 9.1161% | 816 |
| Net charge-offs to loans | -0.0593% | 5,436 |
| Credit loss provision to net charge-offs | -74.6269% | 4,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0336% | 2,981 |
| Assets per employee ($millions) | 3.6194% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 3,970 |
| Loan loss allowance to noncurrent loans | 99.1016% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.3998% | 1,412 |
| Noncurrent loans to loans | 1.1053% | 2,083 |
| Net loans and leases to total assets | 78.1359% | 1,182 |
| Net loans and leases to deposits | 91.8011% | 1,539 |
| Net loans and leases to core deposits | 105.1198% | 1,245 |
| Total domestic deposits to total assets | 85.1144% | 2,821 |
| Equity capital to assets | 10.5353% | 3,595 |
| Core capital (leverage) ratio | 9.7963% | 3,815 |
| Tier 1 risk-based capital ratio | 13.3535% | 3,986 |
| Total risk-based capital ratio | 14.5397% | 3,943 |
| Memoranda: | ||
| Average total assets | $293,476,330 | 2,219 |
| Average earning assets | $279,727,670 | 2,172 |
| Average equity | $30,188,330 | 2,355 |
| Average total loans | $226,019,670 | 1,944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,192 |
| Cost of funding earning assets | 0.3857% | 3,234 |
| Net interest margin | 3.6238% | 2,988 |
| Noninterest income to average assets | 1.0721% | 942 |
| Noninterest expense to average assets | 3.2177% | 1,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9018% | 2,743 |
| Return on assets (ROA) | 0.9018% | 2,869 |
| Pretax return on assets | 1.3105% | 2,262 |
| Return on Equity (ROE) | 8.8743% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.8743% | 1,154 |
| Net charge-offs to loans | -0.0968% | 5,620 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0590% | 2,952 |
| Assets per employee ($millions) | 3.4863% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 3,985 |
| Loan loss allowance to noncurrent loans | 94.6080% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.4274% | 1,453 |
| Noncurrent loans to loans | 1.1760% | 2,059 |
| Net loans and leases to total assets | 75.0890% | 1,538 |
| Net loans and leases to deposits | 88.0637% | 1,820 |
| Net loans and leases to core deposits | 101.7933% | 1,355 |
| Total domestic deposits to total assets | 85.2667% | 3,012 |
| Equity capital to assets | 10.3044% | 3,737 |
| Core capital (leverage) ratio | 9.8571% | 3,714 |
| Tier 1 risk-based capital ratio | 13.9968% | 3,701 |
| Total risk-based capital ratio | 15.1928% | 3,654 |
| Memoranda: | ||
| Average total assets | $293,627,000 | 2,226 |
| Average earning assets | $280,035,500 | 2,181 |
| Average equity | $29,839,000 | 2,376 |
| Average total loans | $223,223,500 | 1,960 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,127 |
| Cost of funding earning assets | 0.3976% | 3,187 |
| Net interest margin | 3.6504% | 2,936 |
| Noninterest income to average assets | 1.2627% | 748 |
| Noninterest expense to average assets | 3.2593% | 1,814 |
| Loan and lease loss provision to assets | 0.1149% | 2,082 |
| Net operating income to assets | 0.9407% | 2,658 |
| Return on assets (ROA) | 0.9407% | 2,731 |
| Pretax return on assets | 1.3709% | 2,019 |
| Return on Equity (ROE) | 9.4402% | 2,249 |
| Retained earnings to average equity (ytd only) | 9.4402% | 547 |
| Net charge-offs to loans | 0.2340% | 1,271 |
| Credit loss provision to net charge-offs | 63.9764% | 3,212 |
| Earnings coverage of net charge-offs (x) | 8.2736% | 2,975 |
| Efficiency ratio | 68.6881% | 3,451 |
| Assets per employee ($millions) | 3.5903% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 4,154 |
| Loan loss allowance to noncurrent loans | 71.0720% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 1,361 |
| Noncurrent loans to loans | 1.5196% | 1,530 |
| Net loans and leases to total assets | 75.2894% | 1,525 |
| Net loans and leases to deposits | 88.2084% | 1,852 |
| Net loans and leases to core deposits | 101.8471% | 1,375 |
| Total domestic deposits to total assets | 85.3540% | 2,923 |
| Equity capital to assets | 10.0208% | 3,931 |
| Core capital (leverage) ratio | 9.4617% | 4,232 |
| Tier 1 risk-based capital ratio | 13.6612% | 3,907 |
| Total risk-based capital ratio | 14.8285% | 3,894 |
| Memoranda: | ||
| Average total assets | $282,878,600 | 2,249 |
| Average earning assets | $269,864,000 | 2,201 |
| Average equity | $28,188,000 | 2,442 |
| Average total loans | $217,113,600 | 1,943 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 3,085 |
| Cost of funding earning assets | 0.3980% | 3,245 |
| Net interest margin | 3.6657% | 2,907 |
| Noninterest income to average assets | 1.2490% | 775 |
| Noninterest expense to average assets | 3.2766% | 1,758 |
| Loan and lease loss provision to assets | 0.0833% | 2,507 |
| Net operating income to assets | 0.9514% | 2,706 |
| Return on assets (ROA) | 0.9514% | 2,800 |
| Pretax return on assets | 1.3886% | 2,061 |
| Return on Equity (ROE) | 9.5620% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.5620% | 724 |
| Net charge-offs to loans | 0.2105% | 1,234 |
| Credit loss provision to net charge-offs | 51.4706% | 3,019 |
| Earnings coverage of net charge-offs (x) | 9.0912% | 2,736 |
| Efficiency ratio | 69.0032% | 3,375 |
| Assets per employee ($millions) | 3.4590% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,208 |
| Loan loss allowance to noncurrent loans | 80.3825% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 1.0751% | 2,211 |
| Noncurrent loans to loans | 1.3726% | 1,865 |
| Net loans and leases to total assets | 74.3248% | 1,676 |
| Net loans and leases to deposits | 86.8229% | 2,050 |
| Net loans and leases to core deposits | 98.8694% | 1,619 |
| Total domestic deposits to total assets | 85.6050% | 2,735 |
| Equity capital to assets | 9.8120% | 4,375 |
| Core capital (leverage) ratio | 9.5068% | 4,295 |
| Tier 1 risk-based capital ratio | 13.4590% | 4,162 |
| Total risk-based capital ratio | 14.6590% | 4,114 |
| Memoranda: | ||
| Average total assets | $279,996,250 | 2,284 |
| Average earning assets | $267,296,500 | 2,231 |
| Average equity | $27,859,500 | 2,478 |
| Average total loans | $215,372,500 | 1,960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,830 |
| Cost of funding earning assets | 0.4035% | 3,241 |
| Net interest margin | 3.7158% | 2,642 |
| Noninterest income to average assets | 1.2698% | 756 |
| Noninterest expense to average assets | 3.2965% | 1,718 |
| Loan and lease loss provision to assets | 0.0545% | 3,024 |
| Net operating income to assets | 1.0017% | 2,383 |
| Return on assets (ROA) | 1.0017% | 2,489 |
| Pretax return on assets | 1.4645% | 1,749 |
| Return on Equity (ROE) | 10.0183% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.0183% | 658 |
| Net charge-offs to loans | -0.2604% | 6,089 |
| Credit loss provision to net charge-offs | -26.9784% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4568% | 3,600 |
| Assets per employee ($millions) | 3.3308% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 2,966 |
| Loan loss allowance to noncurrent loans | 77.2407% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3843% | 1,811 |
| Noncurrent loans to loans | 1.7538% | 1,460 |
| Net loans and leases to total assets | 77.8618% | 1,087 |
| Net loans and leases to deposits | 91.5818% | 1,414 |
| Net loans and leases to core deposits | 104.3009% | 1,168 |
| Total domestic deposits to total assets | 85.0188% | 3,112 |
| Equity capital to assets | 10.2107% | 3,795 |
| Core capital (leverage) ratio | 9.5479% | 4,213 |
| Tier 1 risk-based capital ratio | 13.2843% | 4,356 |
| Total risk-based capital ratio | 14.5384% | 4,282 |
| Memoranda: | ||
| Average total assets | $275,322,000 | 2,334 |
| Average earning assets | $262,714,670 | 2,281 |
| Average equity | $27,529,670 | 2,514 |
| Average total loans | $213,507,670 | 1,984 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1005% | 2,826 |
| Cost of funding earning assets | 0.4016% | 3,285 |
| Net interest margin | 3.6988% | 2,619 |
| Noninterest income to average assets | 1.1210% | 898 |
| Noninterest expense to average assets | 3.2800% | 1,768 |
| Loan and lease loss provision to assets | 0.1092% | 1,885 |
| Net operating income to assets | 0.8648% | 2,934 |
| Return on assets (ROA) | 0.8648% | 3,050 |
| Pretax return on assets | 1.2578% | 2,434 |
| Return on Equity (ROE) | 8.7416% | 2,578 |
| Retained earnings to average equity (ytd only) | 8.7416% | 1,291 |
| Net charge-offs to loans | -0.0530% | 5,549 |
| Credit loss provision to net charge-offs | -267.8571% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5827% | 3,384 |
| Assets per employee ($millions) | 3.4677% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 3,571 |
| Loan loss allowance to noncurrent loans | 79.2155% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 2,077 |
| Noncurrent loans to loans | 1.6056% | 1,737 |
| Net loans and leases to total assets | 73.8722% | 1,523 |
| Net loans and leases to deposits | 87.7888% | 1,632 |
| Net loans and leases to core deposits | 100.5905% | 1,283 |
| Total domestic deposits to total assets | 84.1476% | 3,761 |
| Equity capital to assets | 9.6617% | 4,565 |
| Core capital (leverage) ratio | 9.5662% | 4,185 |
| Tier 1 risk-based capital ratio | 13.0970% | 4,553 |
| Total risk-based capital ratio | 14.3484% | 4,473 |
| Memoranda: | ||
| Average total assets | $274,756,000 | 2,352 |
| Average earning assets | $261,921,000 | 2,300 |
| Average equity | $27,180,500 | 2,563 |
| Average total loans | $211,157,500 | 2,005 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 2,454 |
| Cost of funding earning assets | 0.4192% | 3,485 |
| Net interest margin | 3.9225% | 2,149 |
| Noninterest income to average assets | 1.5285% | 529 |
| Noninterest expense to average assets | 3.6597% | 1,211 |
| Loan and lease loss provision to assets | 0.0302% | 4,002 |
| Net operating income to assets | 1.0219% | 2,292 |
| Return on assets (ROA) | 1.0219% | 2,365 |
| Pretax return on assets | 1.5232% | 1,461 |
| Return on Equity (ROE) | 10.0086% | 2,120 |
| Retained earnings to average equity (ytd only) | 10.0086% | 516 |
| Net charge-offs to loans | 0.1592% | 2,441 |
| Credit loss provision to net charge-offs | 24.1935% | 3,922 |
| Earnings coverage of net charge-offs (x) | 12.4452% | 2,372 |
| Efficiency ratio | 70.2016% | 3,499 |
| Assets per employee ($millions) | 3.3145% | 5,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 3,757 |
| Loan loss allowance to noncurrent loans | 84.7883% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 2,268 |
| Noncurrent loans to loans | 1.4650% | 2,006 |
| Net loans and leases to total assets | 78.0467% | 992 |
| Net loans and leases to deposits | 93.8511% | 1,085 |
| Net loans and leases to core deposits | 108.1882% | 882 |
| Total domestic deposits to total assets | 83.1602% | 4,018 |
| Equity capital to assets | 10.1402% | 3,931 |
| Core capital (leverage) ratio | 9.1281% | 4,783 |
| Tier 1 risk-based capital ratio | 12.1203% | 5,286 |
| Total risk-based capital ratio | 13.3710% | 5,189 |
| Memoranda: | ||
| Average total assets | $248,355,800 | 2,541 |
| Average earning assets | $233,296,400 | 2,486 |
| Average equity | $25,358,200 | 2,629 |
| Average total loans | $194,703,800 | 2,075 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 2,422 |
| Cost of funding earning assets | 0.4164% | 3,622 |
| Net interest margin | 3.9339% | 2,099 |
| Noninterest income to average assets | 1.3243% | 692 |
| Noninterest expense to average assets | 3.7167% | 1,095 |
| Loan and lease loss provision to assets | 0.0137% | 4,143 |
| Net operating income to assets | 0.8585% | 3,131 |
| Return on assets (ROA) | 0.8585% | 3,225 |
| Pretax return on assets | 1.2773% | 2,470 |
| Return on Equity (ROE) | 8.3919% | 2,990 |
| Retained earnings to average equity (ytd only) | 8.3919% | 1,192 |
| Net charge-offs to loans | 0.0740% | 3,136 |
| Credit loss provision to net charge-offs | 23.5849% | 3,540 |
| Earnings coverage of net charge-offs (x) | 22.3018% | 1,634 |
| Efficiency ratio | 74.2203% | 2,786 |
| Assets per employee ($millions) | 3.1493% | 5,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 3,391 |
| Loan loss allowance to noncurrent loans | 85.9950% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 1,929 |
| Noncurrent loans to loans | 1.5716% | 2,071 |
| Net loans and leases to total assets | 76.0708% | 1,215 |
| Net loans and leases to deposits | 89.4760% | 1,480 |
| Net loans and leases to core deposits | 102.0285% | 1,211 |
| Total domestic deposits to total assets | 85.0181% | 3,332 |
| Equity capital to assets | 9.7611% | 4,467 |
| Core capital (leverage) ratio | 8.9156% | 5,175 |
| Tier 1 risk-based capital ratio | 11.7241% | 5,661 |
| Total risk-based capital ratio | 12.9760% | 5,578 |
| Memoranda: | ||
| Average total assets | $244,154,000 | 2,594 |
| Average earning assets | $228,606,750 | 2,551 |
| Average equity | $24,975,750 | 2,674 |
| Average total loans | $190,991,250 | 2,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 2,252 |
| Cost of funding earning assets | 0.4110% | 3,766 |
| Net interest margin | 3.9703% | 1,904 |
| Noninterest income to average assets | 1.2193% | 788 |
| Noninterest expense to average assets | 3.7622% | 1,026 |
| Loan and lease loss provision to assets | 0.0211% | 3,851 |
| Net operating income to assets | 0.7735% | 3,453 |
| Return on assets (ROA) | 0.7735% | 3,552 |
| Pretax return on assets | 1.1476% | 2,894 |
| Return on Equity (ROE) | 7.4351% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,549 |
| Net charge-offs to loans | 0.1136% | 2,528 |
| Credit loss provision to net charge-offs | 23.5849% | 3,141 |
| Earnings coverage of net charge-offs (x) | 13.0849% | 2,002 |
| Efficiency ratio | 76.2987% | 2,569 |
| Assets per employee ($millions) | 2.8346% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,232 |
| Loan loss allowance to noncurrent loans | 76.9682% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 2.1343% | 1,448 |
| Noncurrent loans to loans | 1.8489% | 1,859 |
| Net loans and leases to total assets | 76.5634% | 1,099 |
| Net loans and leases to deposits | 90.6999% | 1,300 |
| Net loans and leases to core deposits | 103.1454% | 1,071 |
| Total domestic deposits to total assets | 84.4139% | 3,765 |
| Equity capital to assets | 10.0903% | 3,988 |
| Core capital (leverage) ratio | 9.3162% | 4,566 |
| Tier 1 risk-based capital ratio | 11.8551% | 5,622 |
| Total risk-based capital ratio | 13.1080% | 5,546 |
| Memoranda: | ||
| Average total assets | $237,359,000 | 2,656 |
| Average earning assets | $221,896,000 | 2,626 |
| Average equity | $24,693,670 | 2,693 |
| Average total loans | $186,657,000 | 2,164 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,069 |
| Cost of funding earning assets | 0.3998% | 3,970 |
| Net interest margin | 4.0181% | 1,694 |
| Noninterest income to average assets | 1.1759% | 806 |
| Noninterest expense to average assets | 3.8735% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7142% | 3,610 |
| Return on assets (ROA) | 0.7142% | 3,697 |
| Pretax return on assets | 1.0566% | 3,100 |
| Return on Equity (ROE) | 6.7551% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.7551% | 2,162 |
| Net charge-offs to loans | -0.0240% | 5,440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5689% | 2,400 |
| Assets per employee ($millions) | 2.6346% | 6,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,000 |
| Loan loss allowance to noncurrent loans | 67.4799% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 2.5448% | 1,242 |
| Noncurrent loans to loans | 2.2734% | 1,579 |
| Net loans and leases to total assets | 78.8729% | 669 |
| Net loans and leases to deposits | 94.5083% | 744 |
| Net loans and leases to core deposits | 104.2209% | 846 |
| Total domestic deposits to total assets | 83.4560% | 4,461 |
| Equity capital to assets | 10.6401% | 3,099 |
| Core capital (leverage) ratio | 9.6392% | 4,082 |
| Tier 1 risk-based capital ratio | 11.9939% | 5,650 |
| Total risk-based capital ratio | 13.2480% | 5,577 |
| Memoranda: | ||
| Average total assets | $231,315,000 | 2,730 |
| Average earning assets | $216,123,500 | 2,680 |
| Average equity | $24,455,500 | 2,702 |
| Average total loans | $183,114,500 | 2,198 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5656% | 1,974 |
| Cost of funding earning assets | 0.4707% | 3,901 |
| Net interest margin | 4.0949% | 1,658 |
| Noninterest income to average assets | 2.1010% | 367 |
| Noninterest expense to average assets | 4.3264% | 615 |
| Loan and lease loss provision to assets | 0.2999% | 1,121 |
| Net operating income to assets | 0.8477% | 3,048 |
| Return on assets (ROA) | 0.8245% | 3,252 |
| Pretax return on assets | 1.2146% | 2,518 |
| Return on Equity (ROE) | 7.5089% | 3,291 |
| Retained earnings to average equity (ytd only) | 7.5089% | 1,230 |
| Net charge-offs to loans | 0.5164% | 1,277 |
| Credit loss provision to net charge-offs | 78.3208% | 3,089 |
| Earnings coverage of net charge-offs (x) | 4.0439% | 3,692 |
| Efficiency ratio | 73.6399% | 3,190 |
| Assets per employee ($millions) | 2.6835% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 2,874 |
| Loan loss allowance to noncurrent loans | 63.5753% | 4,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6618% | 1,261 |
| Noncurrent loans to loans | 2.4729% | 1,538 |
| Net loans and leases to total assets | 76.9890% | 954 |
| Net loans and leases to deposits | 92.2412% | 1,029 |
| Net loans and leases to core deposits | 100.0591% | 1,158 |
| Total domestic deposits to total assets | 83.4648% | 4,376 |
| Equity capital to assets | 10.5043% | 3,152 |
| Core capital (leverage) ratio | 9.7634% | 3,891 |
| Tier 1 risk-based capital ratio | 12.1733% | 5,510 |
| Total risk-based capital ratio | 13.4278% | 5,441 |
| Memoranda: | ||
| Average total assets | $208,372,800 | 2,932 |
| Average earning assets | $192,044,200 | 2,930 |
| Average equity | $22,879,400 | 2,836 |
| Average total loans | $154,537,400 | 2,495 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 2,364 |
| Cost of funding earning assets | 0.4794% | 3,967 |
| Net interest margin | 3.9861% | 1,993 |
| Noninterest income to average assets | 2.2277% | 355 |
| Noninterest expense to average assets | 4.3214% | 617 |
| Loan and lease loss provision to assets | 0.3123% | 1,081 |
| Net operating income to assets | 0.8556% | 3,070 |
| Return on assets (ROA) | 0.8239% | 3,349 |
| Pretax return on assets | 1.2105% | 2,654 |
| Return on Equity (ROE) | 7.4122% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.4122% | 1,681 |
| Net charge-offs to loans | 0.7592% | 789 |
| Credit loss provision to net charge-offs | 56.3464% | 3,370 |
| Earnings coverage of net charge-offs (x) | 2.8316% | 3,889 |
| Efficiency ratio | 73.3564% | 3,167 |
| Assets per employee ($millions) | 2.5646% | 6,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5875% | 3,058 |
| Loan loss allowance to noncurrent loans | 53.3401% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 3.0527% | 1,208 |
| Noncurrent loans to loans | 2.9763% | 1,361 |
| Net loans and leases to total assets | 74.2854% | 1,250 |
| Net loans and leases to deposits | 90.0582% | 1,157 |
| Net loans and leases to core deposits | 94.4797% | 1,529 |
| Total domestic deposits to total assets | 82.4861% | 4,766 |
| Equity capital to assets | 10.4626% | 3,322 |
| Core capital (leverage) ratio | 9.3825% | 4,556 |
| Tier 1 risk-based capital ratio | 12.4957% | 5,462 |
| Total risk-based capital ratio | 14.8393% | 4,656 |
| Memoranda: | ||
| Average total assets | $202,770,750 | 3,027 |
| Average earning assets | $186,341,250 | 3,029 |
| Average equity | $22,538,750 | 2,900 |
| Average total loans | $148,043,250 | 2,599 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 2,267 |
| Cost of funding earning assets | 0.4857% | 4,030 |
| Net interest margin | 3.9968% | 1,866 |
| Noninterest income to average assets | 2.3806% | 346 |
| Noninterest expense to average assets | 4.3446% | 600 |
| Loan and lease loss provision to assets | 0.2540% | 1,458 |
| Net operating income to assets | 0.9818% | 2,407 |
| Return on assets (ROA) | 0.9327% | 2,783 |
| Pretax return on assets | 1.3717% | 2,033 |
| Return on Equity (ROE) | 8.2112% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.2112% | 1,398 |
| Net charge-offs to loans | 1.1981% | 483 |
| Credit loss provision to net charge-offs | 29.4118% | 3,599 |
| Earnings coverage of net charge-offs (x) | 1.9659% | 3,863 |
| Efficiency ratio | 71.9018% | 3,490 |
| Assets per employee ($millions) | 2.4489% | 6,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 3,012 |
| Loan loss allowance to noncurrent loans | 46.7792% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.5378% | 1,079 |
| Noncurrent loans to loans | 3.5081% | 1,211 |
| Net loans and leases to total assets | 68.6134% | 2,121 |
| Net loans and leases to deposits | 83.8932% | 1,817 |
| Net loans and leases to core deposits | 90.4089% | 1,876 |
| Total domestic deposits to total assets | 81.7866% | 5,119 |
| Equity capital to assets | 10.8281% | 2,920 |
| Core capital (leverage) ratio | 10.1310% | 3,317 |
| Tier 1 risk-based capital ratio | 13.6915% | 4,647 |
| Total risk-based capital ratio | 16.1723% | 3,798 |
| Memoranda: | ||
| Average total assets | $196,842,330 | 3,104 |
| Average earning assets | $180,342,330 | 3,107 |
| Average equity | $22,359,670 | 2,946 |
| Average total loans | $141,896,330 | 2,690 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6092% | 1,802 |
| Cost of funding earning assets | 0.5073% | 4,010 |
| Net interest margin | 4.1019% | 1,456 |
| Noninterest income to average assets | 2.5942% | 306 |
| Noninterest expense to average assets | 4.3272% | 610 |
| Loan and lease loss provision to assets | 0.4211% | 718 |
| Net operating income to assets | 1.0850% | 1,920 |
| Return on assets (ROA) | 0.9834% | 2,426 |
| Pretax return on assets | 1.4424% | 1,729 |
| Return on Equity (ROE) | 8.4384% | 2,751 |
| Retained earnings to average equity (ytd only) | 8.4384% | 1,588 |
| Net charge-offs to loans | 0.5051% | 1,191 |
| Credit loss provision to net charge-offs | 113.6364% | 1,660 |
| Earnings coverage of net charge-offs (x) | 5.4318% | 2,366 |
| Efficiency ratio | 68.2498% | 4,261 |
| Assets per employee ($millions) | 2.4753% | 6,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1736% | 1,643 |
| Loan loss allowance to noncurrent loans | 55.5963% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.3738% | 863 |
| Noncurrent loans to loans | 3.9095% | 1,168 |
| Net loans and leases to total assets | 72.6122% | 1,261 |
| Net loans and leases to deposits | 86.2906% | 1,318 |
| Net loans and leases to core deposits | 90.9719% | 1,609 |
| Total domestic deposits to total assets | 84.1484% | 4,411 |
| Equity capital to assets | 11.9089% | 2,104 |
| Core capital (leverage) ratio | 10.1604% | 3,198 |
| Tier 1 risk-based capital ratio | 13.8325% | 4,629 |
| Total risk-based capital ratio | 16.3729% | 3,711 |
| Memoranda: | ||
| Average total assets | $189,959,000 | 3,223 |
| Average earning assets | $173,479,500 | 3,227 |
| Average equity | $22,137,000 | 3,010 |
| Average total loans | $139,386,000 | 2,736 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 2,257 |
| Cost of funding earning assets | 0.7887% | 2,757 |
| Net interest margin | 3.9942% | 2,408 |
| Noninterest income to average assets | 2.5079% | 318 |
| Noninterest expense to average assets | 4.2855% | 692 |
| Loan and lease loss provision to assets | 0.6377% | 843 |
| Net operating income to assets | 0.8553% | 3,017 |
| Return on assets (ROA) | 0.8553% | 3,265 |
| Pretax return on assets | 1.2142% | 2,755 |
| Return on Equity (ROE) | 7.7396% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.7396% | 1,215 |
| Net charge-offs to loans | 0.3682% | 2,787 |
| Credit loss provision to net charge-offs | 240.5567% | 1,033 |
| Earnings coverage of net charge-offs (x) | 6.9861% | 2,699 |
| Efficiency ratio | 69.8265% | 3,855 |
| Assets per employee ($millions) | 2.4909% | 6,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 1,618 |
| Loan loss allowance to noncurrent loans | 49.6783% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 4.5569% | 905 |
| Noncurrent loans to loans | 4.3561% | 1,004 |
| Net loans and leases to total assets | 70.9747% | 1,655 |
| Net loans and leases to deposits | 83.2338% | 1,849 |
| Net loans and leases to core deposits | 86.8086% | 2,210 |
| Total domestic deposits to total assets | 85.2715% | 3,727 |
| Equity capital to assets | 11.4031% | 2,536 |
| Core capital (leverage) ratio | 9.9241% | 3,509 |
| Tier 1 risk-based capital ratio | 13.2869% | 4,909 |
| Total risk-based capital ratio | 15.8165% | 3,940 |
| Memoranda: | ||
| Average total assets | $189,756,600 | 3,179 |
| Average earning assets | $172,425,600 | 3,196 |
| Average equity | $20,970,000 | 3,093 |
| Average total loans | $136,603,000 | 2,763 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 2,391 |
| Cost of funding earning assets | 0.8503% | 2,535 |
| Net interest margin | 3.9496% | 2,705 |
| Noninterest income to average assets | 2.3595% | 330 |
| Noninterest expense to average assets | 4.2814% | 663 |
| Loan and lease loss provision to assets | 0.5707% | 1,008 |
| Net operating income to assets | 0.7538% | 3,675 |
| Return on assets (ROA) | 0.7538% | 3,926 |
| Pretax return on assets | 1.1005% | 3,348 |
| Return on Equity (ROE) | 6.8771% | 3,873 |
| Retained earnings to average equity (ytd only) | 6.8771% | 2,192 |
| Net charge-offs to loans | 0.5344% | 2,002 |
| Credit loss provision to net charge-offs | 148.6239% | 1,907 |
| Earnings coverage of net charge-offs (x) | 4.3523% | 3,328 |
| Efficiency ratio | 71.9257% | 3,344 |
| Assets per employee ($millions) | 2.5801% | 6,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8740% | 2,565 |
| Loan loss allowance to noncurrent loans | 41.4422% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 4.5802% | 1,005 |
| Noncurrent loans to loans | 4.5220% | 1,043 |
| Net loans and leases to total assets | 70.4539% | 1,820 |
| Net loans and leases to deposits | 82.1142% | 2,104 |
| Net loans and leases to core deposits | 86.1179% | 2,448 |
| Total domestic deposits to total assets | 85.8000% | 3,361 |
| Equity capital to assets | 11.1780% | 3,062 |
| Core capital (leverage) ratio | 9.1798% | 4,798 |
| Tier 1 risk-based capital ratio | 12.8797% | 5,344 |
| Total risk-based capital ratio | 15.4068% | 4,373 |
| Memoranda: | ||
| Average total assets | $189,246,250 | 3,216 |
| Average earning assets | $172,163,500 | 3,231 |
| Average equity | $20,744,750 | 3,143 |
| Average total loans | $135,969,000 | 2,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 2,481 |
| Cost of funding earning assets | 0.8730% | 2,633 |
| Net interest margin | 3.9337% | 2,772 |
| Noninterest income to average assets | 2.2408% | 338 |
| Noninterest expense to average assets | 4.2833% | 661 |
| Loan and lease loss provision to assets | 0.4876% | 1,300 |
| Net operating income to assets | 0.7197% | 3,757 |
| Return on assets (ROA) | 0.7197% | 4,030 |
| Pretax return on assets | 1.0472% | 3,531 |
| Return on Equity (ROE) | 6.6097% | 3,988 |
| Retained earnings to average equity (ytd only) | 6.6097% | 2,326 |
| Net charge-offs to loans | 0.2773% | 2,932 |
| Credit loss provision to net charge-offs | 244.6809% | 1,175 |
| Earnings coverage of net charge-offs (x) | 7.7021% | 2,434 |
| Efficiency ratio | 73.6200% | 3,138 |
| Assets per employee ($millions) | 2.6634% | 6,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,582 |
| Loan loss allowance to noncurrent loans | 43.1563% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 4.6228% | 1,051 |
| Noncurrent loans to loans | 4.3868% | 1,223 |
| Net loans and leases to total assets | 68.6578% | 2,174 |
| Net loans and leases to deposits | 82.0548% | 2,103 |
| Net loans and leases to core deposits | 86.8957% | 2,321 |
| Total domestic deposits to total assets | 83.6731% | 4,457 |
| Equity capital to assets | 10.7505% | 3,396 |
| Core capital (leverage) ratio | 9.2832% | 4,477 |
| Tier 1 risk-based capital ratio | 12.4882% | 5,570 |
| Total risk-based capital ratio | 15.0186% | 4,586 |
| Memoranda: | ||
| Average total assets | $188,685,330 | 3,232 |
| Average earning assets | $171,592,670 | 3,248 |
| Average equity | $20,545,670 | 3,159 |
| Average total loans | $135,596,670 | 2,827 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 2,211 |
| Cost of funding earning assets | 0.9178% | 2,545 |
| Net interest margin | 3.9888% | 2,555 |
| Noninterest income to average assets | 2.1204% | 370 |
| Noninterest expense to average assets | 4.3355% | 636 |
| Loan and lease loss provision to assets | 0.4305% | 1,457 |
| Net operating income to assets | 0.6738% | 4,015 |
| Return on assets (ROA) | 0.6738% | 4,229 |
| Pretax return on assets | 0.9752% | 3,772 |
| Return on Equity (ROE) | 6.1470% | 4,216 |
| Retained earnings to average equity (ytd only) | 6.1470% | 2,875 |
| Net charge-offs to loans | 0.6176% | 1,550 |
| Credit loss provision to net charge-offs | 95.6938% | 2,445 |
| Earnings coverage of net charge-offs (x) | 3.1244% | 2,952 |
| Efficiency ratio | 75.5156% | 2,853 |
| Assets per employee ($millions) | 2.5685% | 6,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,301 |
| Loan loss allowance to noncurrent loans | 38.8785% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 5.1659% | 989 |
| Noncurrent loans to loans | 4.4041% | 1,336 |
| Net loans and leases to total assets | 70.2613% | 1,712 |
| Net loans and leases to deposits | 84.3503% | 1,624 |
| Net loans and leases to core deposits | 91.1790% | 1,730 |
| Total domestic deposits to total assets | 83.2971% | 4,814 |
| Equity capital to assets | 10.9611% | 2,952 |
| Core capital (leverage) ratio | 9.1548% | 4,596 |
| Tier 1 risk-based capital ratio | 12.0699% | 5,916 |
| Total risk-based capital ratio | 14.6008% | 4,924 |
| Memoranda: | ||
| Average total assets | $185,814,000 | 3,286 |
| Average earning assets | $168,673,000 | 3,308 |
| Average equity | $20,367,500 | 3,186 |
| Average total loans | $135,362,000 | 2,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1031% | 2,444 |
| Cost of funding earning assets | 1.1402% | 2,409 |
| Net interest margin | 3.9629% | 3,055 |
| Noninterest income to average assets | 1.2293% | 864 |
| Noninterest expense to average assets | 3.9648% | 1,097 |
| Loan and lease loss provision to assets | 0.4394% | 2,396 |
| Net operating income to assets | 0.3225% | 5,180 |
| Return on assets (ROA) | 0.2729% | 5,510 |
| Pretax return on assets | 0.3619% | 5,399 |
| Return on Equity (ROE) | 2.6513% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.6513% | 4,341 |
| Net charge-offs to loans | 1.5615% | 1,014 |
| Credit loss provision to net charge-offs | 38.6833% | 5,652 |
| Earnings coverage of net charge-offs (x) | 0.7636% | 5,228 |
| Efficiency ratio | 82.0493% | 2,013 |
| Assets per employee ($millions) | 2.6685% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6856% | 3,251 |
| Loan loss allowance to noncurrent loans | 41.6035% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 5.1106% | 1,032 |
| Noncurrent loans to loans | 4.0515% | 1,540 |
| Net loans and leases to total assets | 72.9846% | 1,458 |
| Net loans and leases to deposits | 87.7284% | 1,421 |
| Net loans and leases to core deposits | 94.7501% | 1,619 |
| Total domestic deposits to total assets | 83.1938% | 4,675 |
| Equity capital to assets | 10.9614% | 3,015 |
| Core capital (leverage) ratio | 8.8413% | 5,036 |
| Tier 1 risk-based capital ratio | 11.4670% | 6,180 |
| Total risk-based capital ratio | 13.9826% | 5,260 |
| Memoranda: | ||
| Average total assets | $183,186,800 | 3,283 |
| Average earning assets | $166,546,200 | 3,300 |
| Average equity | $18,858,600 | 3,302 |
| Average total loans | $133,270,000 | 2,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0752% | 2,733 |
| Cost of funding earning assets | 1.1914% | 2,373 |
| Net interest margin | 3.8837% | 3,463 |
| Noninterest income to average assets | 1.3482% | 719 |
| Noninterest expense to average assets | 3.9252% | 1,114 |
| Loan and lease loss provision to assets | 0.3717% | 2,624 |
| Net operating income to assets | 0.4231% | 4,891 |
| Return on assets (ROA) | 0.3593% | 5,354 |
| Pretax return on assets | 0.4941% | 5,182 |
| Return on Equity (ROE) | 3.5478% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.5478% | 4,218 |
| Net charge-offs to loans | 1.7782% | 757 |
| Credit loss provision to net charge-offs | 28.8788% | 5,426 |
| Earnings coverage of net charge-offs (x) | 0.7407% | 5,057 |
| Efficiency ratio | 80.4601% | 2,190 |
| Assets per employee ($millions) | 2.6703% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,211 |
| Loan loss allowance to noncurrent loans | 35.4160% | 5,935 |
| Noncurrent assets plus other real estate owned to assets | 5.1700% | 1,109 |
| Noncurrent loans to loans | 4.8494% | 1,312 |
| Net loans and leases to total assets | 70.1455% | 2,059 |
| Net loans and leases to deposits | 83.8119% | 2,032 |
| Net loans and leases to core deposits | 91.9367% | 2,001 |
| Total domestic deposits to total assets | 83.6940% | 4,380 |
| Equity capital to assets | 10.5083% | 3,699 |
| Core capital (leverage) ratio | 8.5413% | 5,653 |
| Tier 1 risk-based capital ratio | 11.3557% | 6,327 |
| Total risk-based capital ratio | 14.0320% | 5,250 |
| Memoranda: | ||
| Average total assets | $182,951,500 | 3,305 |
| Average earning assets | $166,296,000 | 3,313 |
| Average equity | $18,527,500 | 3,348 |
| Average total loans | $132,415,250 | 2,968 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 2,687 |
| Cost of funding earning assets | 1.2511% | 2,244 |
| Net interest margin | 3.8486% | 3,542 |
| Noninterest income to average assets | 1.2416% | 818 |
| Noninterest expense to average assets | 4.0113% | 1,034 |
| Loan and lease loss provision to assets | 0.3430% | 2,728 |
| Net operating income to assets | 0.3056% | 5,353 |
| Return on assets (ROA) | 0.1981% | 5,865 |
| Pretax return on assets | 0.2434% | 5,828 |
| Return on Equity (ROE) | 1.9820% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.9820% | 4,987 |
| Net charge-offs to loans | 2.7859% | 393 |
| Credit loss provision to net charge-offs | 16.9306% | 5,176 |
| Earnings coverage of net charge-offs (x) | 0.3550% | 5,038 |
| Efficiency ratio | 84.7953% | 1,726 |
| Assets per employee ($millions) | 2.6228% | 6,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,866 |
| Loan loss allowance to noncurrent loans | 31.9175% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 5.0101% | 1,222 |
| Noncurrent loans to loans | 4.8852% | 1,350 |
| Net loans and leases to total assets | 71.8287% | 1,822 |
| Net loans and leases to deposits | 86.2199% | 1,764 |
| Net loans and leases to core deposits | 95.9096% | 1,691 |
| Total domestic deposits to total assets | 83.3087% | 4,635 |
| Equity capital to assets | 10.4445% | 3,582 |
| Core capital (leverage) ratio | 8.2071% | 6,019 |
| Tier 1 risk-based capital ratio | 10.8800% | 6,612 |
| Total risk-based capital ratio | 13.8730% | 5,212 |
| Memoranda: | ||
| Average total assets | $180,737,670 | 3,357 |
| Average earning assets | $163,852,000 | 3,372 |
| Average equity | $18,062,330 | 3,407 |
| Average total loans | $131,448,670 | 3,011 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 2,596 |
| Cost of funding earning assets | 1.3009% | 2,166 |
| Net interest margin | 3.8096% | 3,570 |
| Noninterest income to average assets | 1.3465% | 712 |
| Noninterest expense to average assets | 4.0638% | 966 |
| Loan and lease loss provision to assets | 0.2990% | 2,765 |
| Net operating income to assets | 0.3116% | 5,351 |
| Return on assets (ROA) | 0.3853% | 5,099 |
| Pretax return on assets | 0.5204% | 4,956 |
| Return on Equity (ROE) | 3.9450% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.9450% | 3,809 |
| Net charge-offs to loans | 5.4992% | 128 |
| Credit loss provision to net charge-offs | 7.4875% | 4,408 |
| Earnings coverage of net charge-offs (x) | 0.1803% | 4,476 |
| Efficiency ratio | 84.9537% | 1,846 |
| Assets per employee ($millions) | 2.6435% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 4,258 |
| Loan loss allowance to noncurrent loans | 26.2097% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 5.5723% | 1,076 |
| Noncurrent loans to loans | 5.6874% | 1,144 |
| Net loans and leases to total assets | 69.2728% | 2,271 |
| Net loans and leases to deposits | 82.8237% | 2,211 |
| Net loans and leases to core deposits | 92.4418% | 2,076 |
| Total domestic deposits to total assets | 83.6389% | 4,647 |
| Equity capital to assets | 9.8694% | 3,939 |
| Core capital (leverage) ratio | 7.7507% | 6,508 |
| Tier 1 risk-based capital ratio | 10.6379% | 6,727 |
| Total risk-based capital ratio | 14.0653% | 4,950 |
| Memoranda: | ||
| Average total assets | $180,619,000 | 3,378 |
| Average earning assets | $162,958,500 | 3,404 |
| Average equity | $17,642,500 | 3,463 |
| Average total loans | $131,147,500 | 3,045 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 2,848 |
| Cost of funding earning assets | 1.7019% | 1,592 |
| Net interest margin | 3.6599% | 4,533 |
| Noninterest income to average assets | 1.9803% | 403 |
| Noninterest expense to average assets | 4.2263% | 878 |
| Loan and lease loss provision to assets | 1.1767% | 1,340 |
| Net operating income to assets | -0.0082% | 5,851 |
| Return on assets (ROA) | 0.0104% | 5,941 |
| Pretax return on assets | -0.0657% | 5,968 |
| Return on Equity (ROE) | 0.1205% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.1205% | 5,525 |
| Net charge-offs to loans | 1.3864% | 1,610 |
| Credit loss provision to net charge-offs | 115.4839% | 3,742 |
| Earnings coverage of net charge-offs (x) | 1.0618% | 5,050 |
| Efficiency ratio | 79.6182% | 2,464 |
| Assets per employee ($millions) | 2.6299% | 6,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,202 |
| Loan loss allowance to noncurrent loans | 44.9410% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 6.1895% | 940 |
| Noncurrent loans to loans | 5.9435% | 1,055 |
| Net loans and leases to total assets | 72.9428% | 1,889 |
| Net loans and leases to deposits | 87.4135% | 1,877 |
| Net loans and leases to core deposits | 98.7307% | 1,727 |
| Total domestic deposits to total assets | 83.4457% | 4,632 |
| Equity capital to assets | 9.6642% | 4,195 |
| Core capital (leverage) ratio | 7.1780% | 6,923 |
| Tier 1 risk-based capital ratio | 9.6332% | 7,097 |
| Total risk-based capital ratio | 13.3600% | 5,360 |
| Memoranda: | ||
| Average total assets | $182,545,800 | 3,339 |
| Average earning assets | $165,988,800 | 3,348 |
| Average equity | $15,766,400 | 3,811 |
| Average total loans | $134,163,600 | 3,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3493% | 3,122 |
| Cost of funding earning assets | 1.7664% | 1,563 |
| Net interest margin | 3.5830% | 4,953 |
| Noninterest income to average assets | 1.7724% | 465 |
| Noninterest expense to average assets | 4.1349% | 894 |
| Loan and lease loss provision to assets | 0.6504% | 2,353 |
| Net operating income to assets | 0.2176% | 5,455 |
| Return on assets (ROA) | 0.2376% | 5,562 |
| Pretax return on assets | 0.2769% | 5,560 |
| Return on Equity (ROE) | 2.8334% | 5,288 |
| Retained earnings to average equity (ytd only) | 2.8334% | 4,440 |
| Net charge-offs to loans | 1.2330% | 1,660 |
| Credit loss provision to net charge-offs | 72.1193% | 5,362 |
| Earnings coverage of net charge-offs (x) | 1.0024% | 5,060 |
| Efficiency ratio | 82.0594% | 2,052 |
| Assets per employee ($millions) | 2.7751% | 6,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 1,801 |
| Loan loss allowance to noncurrent loans | 32.0043% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 6.4012% | 894 |
| Noncurrent loans to loans | 6.8831% | 831 |
| Net loans and leases to total assets | 70.3406% | 2,653 |
| Net loans and leases to deposits | 83.6405% | 2,765 |
| Net loans and leases to core deposits | 95.6297% | 2,305 |
| Total domestic deposits to total assets | 84.0987% | 4,063 |
| Equity capital to assets | 9.1726% | 5,347 |
| Core capital (leverage) ratio | 6.8381% | 7,238 |
| Tier 1 risk-based capital ratio | 9.2508% | 7,313 |
| Total risk-based capital ratio | 12.9847% | 5,671 |
| Memoranda: | ||
| Average total assets | $183,473,250 | 3,369 |
| Average earning assets | $167,268,750 | 3,372 |
| Average equity | $15,387,250 | 3,920 |
| Average total loans | $134,197,500 | 3,094 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 3,123 |
| Cost of funding earning assets | 1.8094% | 1,609 |
| Net interest margin | 3.5575% | 5,017 |
| Noninterest income to average assets | 1.3600% | 681 |
| Noninterest expense to average assets | 4.2036% | 810 |
| Loan and lease loss provision to assets | 0.3340% | 3,729 |
| Net operating income to assets | 0.0876% | 5,901 |
| Return on assets (ROA) | 0.1139% | 5,935 |
| Pretax return on assets | 0.0843% | 6,008 |
| Return on Equity (ROE) | 1.4024% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.4024% | 5,178 |
| Net charge-offs to loans | 0.9155% | 2,000 |
| Credit loss provision to net charge-offs | 49.5935% | 5,426 |
| Earnings coverage of net charge-offs (x) | 0.5821% | 5,155 |
| Efficiency ratio | 91.4701% | 1,221 |
| Assets per employee ($millions) | 2.5803% | 6,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1873% | 1,788 |
| Loan loss allowance to noncurrent loans | 25.1306% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 7.3941% | 689 |
| Noncurrent loans to loans | 8.7037% | 562 |
| Net loans and leases to total assets | 71.7778% | 2,462 |
| Net loans and leases to deposits | 84.7238% | 2,750 |
| Net loans and leases to core deposits | 102.1440% | 1,815 |
| Total domestic deposits to total assets | 84.7198% | 3,763 |
| Equity capital to assets | 8.1875% | 6,557 |
| Core capital (leverage) ratio | 5.9286% | 7,487 |
| Tier 1 risk-based capital ratio | 7.6442% | 7,548 |
| Total risk-based capital ratio | 11.8797% | 6,585 |
| Memoranda: | ||
| Average total assets | $182,653,000 | 3,403 |
| Average earning assets | $166,128,670 | 3,408 |
| Average equity | $14,831,330 | 4,025 |
| Average total loans | $134,352,330 | 3,115 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 2,702 |
| Cost of funding earning assets | 1.8805% | 1,534 |
| Net interest margin | 3.5973% | 4,742 |
| Noninterest income to average assets | 1.2038% | 836 |
| Noninterest expense to average assets | 4.2874% | 732 |
| Loan and lease loss provision to assets | 0.2982% | 3,650 |
| Net operating income to assets | -0.0079% | 6,312 |
| Return on assets (ROA) | 0.0331% | 6,327 |
| Pretax return on assets | -0.0641% | 6,421 |
| Return on Equity (ROE) | 0.4098% | 6,306 |
| Retained earnings to average equity (ytd only) | 0.4098% | 5,674 |
| Net charge-offs to loans | -0.0630% | 7,413 |
| Credit loss provision to net charge-offs | -642.8571% | 6,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1843% | 1,013 |
| Assets per employee ($millions) | 2.5364% | 7,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5610% | 1,223 |
| Loan loss allowance to noncurrent loans | 31.9378% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 7.0806% | 757 |
| Noncurrent loans to loans | 8.0188% | 671 |
| Net loans and leases to total assets | 72.8470% | 2,246 |
| Net loans and leases to deposits | 86.5439% | 2,494 |
| Net loans and leases to core deposits | 106.4191% | 1,542 |
| Total domestic deposits to total assets | 84.1734% | 4,064 |
| Equity capital to assets | 8.3728% | 6,191 |
| Core capital (leverage) ratio | 5.8439% | 7,603 |
| Tier 1 risk-based capital ratio | 7.5118% | 7,657 |
| Total risk-based capital ratio | 11.7536% | 6,621 |
| Memoranda: | ||
| Average total assets | $181,088,000 | 3,480 |
| Average earning assets | $163,789,500 | 3,500 |
| Average equity | $14,641,500 | 4,088 |
| Average total loans | $133,362,000 | 3,198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3717% | 4,830 |
| Cost of funding earning assets | 2.4288% | 1,215 |
| Net interest margin | 2.9428% | 6,776 |
| Noninterest income to average assets | 1.8687% | 425 |
| Noninterest expense to average assets | 4.3389% | 943 |
| Loan and lease loss provision to assets | 1.9327% | 1,144 |
| Net operating income to assets | -1.0411% | 6,601 |
| Return on assets (ROA) | -0.8303% | 6,461 |
| Pretax return on assets | -1.3921% | 6,643 |
| Return on Equity (ROE) | -11.0724% | 6,701 |
| Retained earnings to average equity (ytd only) | -11.0724% | 6,603 |
| Net charge-offs to loans | 2.2501% | 1,047 |
| Credit loss provision to net charge-offs | 118.4494% | 4,554 |
| Earnings coverage of net charge-offs (x) | 0.1294% | 6,031 |
| Efficiency ratio | 95.3586% | 1,333 |
| Assets per employee ($millions) | 2.5291% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4922% | 1,239 |
| Loan loss allowance to noncurrent loans | 27.3490% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 8.1535% | 538 |
| Noncurrent loans to loans | 9.1127% | 490 |
| Net loans and leases to total assets | 70.7325% | 3,072 |
| Net loans and leases to deposits | 87.2439% | 2,694 |
| Net loans and leases to core deposits | 108.5299% | 3,050 |
| Total domestic deposits to total assets | 81.0745% | 5,319 |
| Equity capital to assets | 7.8010% | 6,765 |
| Core capital (leverage) ratio | 5.3019% | 7,734 |
| Tier 1 risk-based capital ratio | 6.9374% | 7,755 |
| Total risk-based capital ratio | 11.3950% | 6,713 |
| Memoranda: | ||
| Average total assets | $193,667,600 | 3,250 |
| Average earning assets | $176,462,400 | 3,263 |
| Average equity | $14,522,600 | 4,140 |
| Average total loans | $140,437,000 | 3,074 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 5,147 |
| Cost of funding earning assets | 2.5204% | 1,236 |
| Net interest margin | 2.8354% | 6,998 |
| Noninterest income to average assets | 1.9271% | 401 |
| Noninterest expense to average assets | 4.1723% | 1,062 |
| Loan and lease loss provision to assets | 1.3858% | 1,387 |
| Net operating income to assets | -0.6222% | 6,543 |
| Return on assets (ROA) | -0.3934% | 6,309 |
| Pretax return on assets | -0.6851% | 6,469 |
| Return on Equity (ROE) | -5.2959% | 6,482 |
| Retained earnings to average equity (ytd only) | -5.2959% | 6,289 |
| Net charge-offs to loans | 1.9215% | 1,037 |
| Credit loss provision to net charge-offs | 99.4645% | 5,139 |
| Earnings coverage of net charge-offs (x) | 0.2463% | 5,770 |
| Efficiency ratio | 92.3990% | 1,515 |
| Assets per employee ($millions) | 2.7303% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 1,834 |
| Loan loss allowance to noncurrent loans | 28.0662% | 6,593 |
| Noncurrent assets plus other real estate owned to assets | 6.3183% | 817 |
| Noncurrent loans to loans | 7.0799% | 759 |
| Net loans and leases to total assets | 68.6512% | 3,807 |
| Net loans and leases to deposits | 84.5061% | 3,568 |
| Net loans and leases to core deposits | 105.4374% | 3,765 |
| Total domestic deposits to total assets | 81.2382% | 4,982 |
| Equity capital to assets | 7.4387% | 7,347 |
| Core capital (leverage) ratio | 5.2932% | 7,900 |
| Tier 1 risk-based capital ratio | 7.0134% | 7,892 |
| Total risk-based capital ratio | 11.8106% | 6,367 |
| Memoranda: | ||
| Average total assets | $196,561,250 | 3,237 |
| Average earning assets | $179,438,000 | 3,241 |
| Average equity | $14,602,000 | 4,166 |
| Average total loans | $142,523,500 | 3,073 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4425% | 4,927 |
| Cost of funding earning assets | 2.5877% | 1,320 |
| Net interest margin | 2.8549% | 6,900 |
| Noninterest income to average assets | 2.2627% | 307 |
| Noninterest expense to average assets | 4.1638% | 1,112 |
| Loan and lease loss provision to assets | 1.4868% | 1,149 |
| Net operating income to assets | -0.4528% | 6,498 |
| Return on assets (ROA) | -0.2512% | 6,279 |
| Pretax return on assets | -0.4649% | 6,385 |
| Return on Equity (ROE) | -3.3827% | 6,406 |
| Retained earnings to average equity (ytd only) | -3.3827% | 6,029 |
| Net charge-offs to loans | 2.5696% | 662 |
| Credit loss provision to net charge-offs | 78.9247% | 5,229 |
| Earnings coverage of net charge-offs (x) | 0.3753% | 5,307 |
| Efficiency ratio | 85.4855% | 2,292 |
| Assets per employee ($millions) | 2.6180% | 7,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6693% | 2,450 |
| Loan loss allowance to noncurrent loans | 29.1667% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 5.1870% | 997 |
| Noncurrent loans to loans | 5.7232% | 985 |
| Net loans and leases to total assets | 71.4173% | 3,374 |
| Net loans and leases to deposits | 89.0198% | 2,986 |
| Net loans and leases to core deposits | 109.7771% | 3,397 |
| Total domestic deposits to total assets | 80.2263% | 5,382 |
| Equity capital to assets | 7.6798% | 7,101 |
| Core capital (leverage) ratio | 5.3386% | 7,996 |
| Tier 1 risk-based capital ratio | 7.1957% | 7,990 |
| Total risk-based capital ratio | 11.9887% | 6,087 |
| Memoranda: | ||
| Average total assets | $197,464,670 | 3,252 |
| Average earning assets | $180,394,330 | 3,256 |
| Average equity | $14,662,670 | 4,171 |
| Average total loans | $144,771,670 | 3,071 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5776% | 4,482 |
| Cost of funding earning assets | 2.5495% | 1,739 |
| Net interest margin | 3.0281% | 6,408 |
| Noninterest income to average assets | 1.9358% | 385 |
| Noninterest expense to average assets | 4.0391% | 1,139 |
| Loan and lease loss provision to assets | 1.1643% | 1,115 |
| Net operating income to assets | -0.2244% | 6,591 |
| Return on assets (ROA) | -0.0917% | 6,516 |
| Pretax return on assets | -0.2851% | 6,660 |
| Return on Equity (ROE) | -1.2555% | 6,582 |
| Retained earnings to average equity (ytd only) | -1.2555% | 5,946 |
| Net charge-offs to loans | 2.1360% | 676 |
| Credit loss provision to net charge-offs | 74.0177% | 4,284 |
| Earnings coverage of net charge-offs (x) | 0.4271% | 4,646 |
| Efficiency ratio | 85.7385% | 2,103 |
| Assets per employee ($millions) | 2.7624% | 6,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 1,978 |
| Loan loss allowance to noncurrent loans | 28.9279% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 5.0745% | 889 |
| Noncurrent loans to loans | 6.0532% | 783 |
| Net loans and leases to total assets | 69.6698% | 3,756 |
| Net loans and leases to deposits | 86.1863% | 3,596 |
| Net loans and leases to core deposits | 101.6599% | 4,381 |
| Total domestic deposits to total assets | 80.8363% | 5,031 |
| Equity capital to assets | 7.1760% | 7,584 |
| Core capital (leverage) ratio | 5.3500% | 8,092 |
| Tier 1 risk-based capital ratio | 7.1370% | 8,086 |
| Total risk-based capital ratio | 11.0565% | 7,039 |
| Memoranda: | ||
| Average total assets | $200,641,000 | 3,233 |
| Average earning assets | $183,878,500 | 3,239 |
| Average equity | $14,655,500 | 4,198 |
| Average total loans | $147,755,500 | 3,046 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6435% | 2,273 |
| Cost of funding earning assets | 2.9332% | 2,132 |
| Net interest margin | 3.7103% | 4,429 |
| Noninterest income to average assets | 1.0932% | 1,318 |
| Noninterest expense to average assets | 3.8333% | 1,693 |
| Loan and lease loss provision to assets | 1.7191% | 751 |
| Net operating income to assets | -0.7549% | 7,104 |
| Return on assets (ROA) | -1.5485% | 7,434 |
| Pretax return on assets | -2.1525% | 7,489 |
| Return on Equity (ROE) | -18.1390% | 7,718 |
| Retained earnings to average equity (ytd only) | -18.1390% | 7,627 |
| Net charge-offs to loans | 1.5578% | 739 |
| Credit loss provision to net charge-offs | 147.0839% | 3,590 |
| Earnings coverage of net charge-offs (x) | 0.5722% | 5,884 |
| Efficiency ratio | 85.1459% | 1,937 |
| Assets per employee ($millions) | 2.7726% | 6,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 1,687 |
| Loan loss allowance to noncurrent loans | 51.5902% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 3.2656% | 1,387 |
| Noncurrent loans to loans | 3.4430% | 1,484 |
| Net loans and leases to total assets | 75.0427% | 2,875 |
| Net loans and leases to deposits | 90.9220% | 3,300 |
| Net loans and leases to core deposits | 107.1966% | 4,059 |
| Total domestic deposits to total assets | 82.5353% | 3,981 |
| Equity capital to assets | 7.4339% | 7,443 |
| Core capital (leverage) ratio | 5.8526% | 8,118 |
| Tier 1 risk-based capital ratio | 7.3495% | 8,146 |
| Total risk-based capital ratio | 8.6173% | 8,163 |
| Memoranda: | ||
| Average total assets | $200,974,400 | 3,122 |
| Average earning assets | $184,646,200 | 3,122 |
| Average equity | $17,156,400 | 3,708 |
| Average total loans | $150,786,200 | 2,913 |