Home > TriSummit Bank > Performance and Condition Ratios
TriSummit Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,790 |
| Cost of funding earning assets | 0.5658% | 1,560 |
| Net interest margin | 3.5485% | 3,256 |
| Noninterest income to average assets | 0.2764% | 4,765 |
| Noninterest expense to average assets | 3.2345% | 1,717 |
| Loan and lease loss provision to assets | 0.0345% | 3,670 |
| Net operating income to assets | 0.2310% | 5,349 |
| Return on assets (ROA) | 0.2614% | 5,368 |
| Pretax return on assets | 0.2614% | 5,416 |
| Return on Equity (ROE) | 2.8532% | 5,199 |
| Retained earnings to average equity (ytd only) | -22.5648% | 5,865 |
| Net charge-offs to loans | -0.0040% | 4,776 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9442% | 505 |
| Assets per employee ($millions) | 5.5128% | 1,860 |
| Cash dividends to net income (ytd only)* | 890.8691% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 4,540 |
| Loan loss allowance to noncurrent loans | 197.8906% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 2,284 |
| Noncurrent loans to loans | 0.4839% | 3,420 |
| Net loans and leases to total assets | 74.2493% | 1,806 |
| Net loans and leases to deposits | 94.4675% | 1,150 |
| Net loans and leases to core deposits | 107.3764% | 1,048 |
| Total domestic deposits to total assets | 78.5977% | 4,883 |
| Equity capital to assets | 7.0481% | 5,791 |
| Core capital (leverage) ratio | 6.5054% | 5,840 |
| Tier 1 risk-based capital ratio | 8.2098% | 5,874 |
| Total risk-based capital ratio | 9.1145% | 5,877 |
| Memoranda: | ||
| Average total assets | $347,692,000 | 1,909 |
| Average earning assets | $315,854,000 | 1,941 |
| Average equity | $31,859,400 | 2,229 |
| Average total loans | $252,288,600 | 1,777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1263% | 2,780 |
| Cost of funding earning assets | 0.5553% | 1,648 |
| Net interest margin | 3.5710% | 3,194 |
| Noninterest income to average assets | 0.2733% | 4,817 |
| Noninterest expense to average assets | 3.1361% | 1,940 |
| Loan and lease loss provision to assets | 0.0346% | 3,542 |
| Net operating income to assets | 0.3449% | 5,176 |
| Return on assets (ROA) | 0.3857% | 5,154 |
| Pretax return on assets | 0.3857% | 5,332 |
| Return on Equity (ROE) | 3.9752% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.9162% | 4,724 |
| Net charge-offs to loans | 0.0128% | 3,505 |
| Credit loss provision to net charge-offs | 375.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 41.0822% | 1,216 |
| Efficiency ratio | 87.7381% | 690 |
| Assets per employee ($millions) | 4.8732% | 2,537 |
| Cash dividends to net income (ytd only)* | 51.7961% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,602 |
| Loan loss allowance to noncurrent loans | 139.0986% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 2,325 |
| Noncurrent loans to loans | 0.6929% | 2,950 |
| Net loans and leases to total assets | 72.3101% | 2,144 |
| Net loans and leases to deposits | 89.0510% | 1,880 |
| Net loans and leases to core deposits | 101.9288% | 1,488 |
| Total domestic deposits to total assets | 81.2008% | 4,196 |
| Equity capital to assets | 9.6873% | 4,475 |
| Core capital (leverage) ratio | 8.7234% | 5,135 |
| Tier 1 risk-based capital ratio | 11.2517% | 5,226 |
| Total risk-based capital ratio | 12.1586% | 5,332 |
| Memoranda: | ||
| Average total assets | $346,410,750 | 1,921 |
| Average earning assets | $314,528,000 | 1,949 |
| Average equity | $33,607,500 | 2,169 |
| Average total loans | $249,236,500 | 1,799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,704 |
| Cost of funding earning assets | 0.5324% | 1,851 |
| Net interest margin | 3.6102% | 3,061 |
| Noninterest income to average assets | 0.2261% | 5,136 |
| Noninterest expense to average assets | 3.0702% | 2,139 |
| Loan and lease loss provision to assets | 0.0348% | 3,455 |
| Net operating income to assets | 0.4001% | 5,027 |
| Return on assets (ROA) | 0.4592% | 4,926 |
| Pretax return on assets | 0.4592% | 5,226 |
| Return on Equity (ROE) | 4.7312% | 4,637 |
| Retained earnings to average equity (ytd only) | 2.7360% | 4,168 |
| Net charge-offs to loans | -0.0032% | 4,443 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1042% | 871 |
| Assets per employee ($millions) | 4.8460% | 2,491 |
| Cash dividends to net income (ytd only)* | 42.1717% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,497 |
| Loan loss allowance to noncurrent loans | 169.6699% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.8017% | 2,589 |
| Noncurrent loans to loans | 0.5911% | 3,296 |
| Net loans and leases to total assets | 68.8353% | 2,658 |
| Net loans and leases to deposits | 84.4187% | 2,418 |
| Net loans and leases to core deposits | 95.6385% | 2,008 |
| Total domestic deposits to total assets | 81.5404% | 4,130 |
| Equity capital to assets | 9.6722% | 4,587 |
| Core capital (leverage) ratio | 9.0337% | 4,788 |
| Tier 1 risk-based capital ratio | 11.5999% | 5,091 |
| Total risk-based capital ratio | 12.5358% | 5,184 |
| Memoranda: | ||
| Average total assets | $344,923,670 | 1,932 |
| Average earning assets | $313,275,330 | 1,969 |
| Average equity | $33,480,000 | 2,174 |
| Average total loans | $246,920,330 | 1,811 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1682% | 2,592 |
| Cost of funding earning assets | 0.5270% | 1,891 |
| Net interest margin | 3.6411% | 2,922 |
| Noninterest income to average assets | 0.2079% | 5,244 |
| Noninterest expense to average assets | 3.0625% | 2,203 |
| Loan and lease loss provision to assets | 0.0352% | 3,193 |
| Net operating income to assets | 0.4135% | 4,953 |
| Return on assets (ROA) | 0.5169% | 4,661 |
| Pretax return on assets | 0.5169% | 5,039 |
| Return on Equity (ROE) | 5.3153% | 4,331 |
| Retained earnings to average equity (ytd only) | 3.3825% | 3,808 |
| Net charge-offs to loans | -0.0129% | 4,643 |
| Credit loss provision to net charge-offs | -375.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7143% | 1,000 |
| Assets per employee ($millions) | 4.5377% | 3,005 |
| Cash dividends to net income (ytd only)* | 36.3636% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 4,707 |
| Loan loss allowance to noncurrent loans | 178.5662% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 2,599 |
| Noncurrent loans to loans | 0.5497% | 3,531 |
| Net loans and leases to total assets | 73.3339% | 1,825 |
| Net loans and leases to deposits | 90.6697% | 1,497 |
| Net loans and leases to core deposits | 101.2904% | 1,386 |
| Total domestic deposits to total assets | 80.8803% | 4,529 |
| Equity capital to assets | 9.9649% | 4,121 |
| Core capital (leverage) ratio | 8.9825% | 4,879 |
| Tier 1 risk-based capital ratio | 11.6938% | 5,110 |
| Total risk-based capital ratio | 12.6335% | 5,196 |
| Memoranda: | ||
| Average total assets | $340,507,500 | 1,966 |
| Average earning assets | $308,914,000 | 2,000 |
| Average equity | $33,112,000 | 2,191 |
| Average total loans | $247,392,500 | 1,817 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 2,532 |
| Cost of funding earning assets | 0.4658% | 2,476 |
| Net interest margin | 3.7421% | 2,591 |
| Noninterest income to average assets | 0.2982% | 4,755 |
| Noninterest expense to average assets | 3.1479% | 2,093 |
| Loan and lease loss provision to assets | 0.0384% | 3,569 |
| Net operating income to assets | 0.4841% | 4,750 |
| Return on assets (ROA) | 0.5004% | 4,787 |
| Pretax return on assets | 0.5004% | 5,116 |
| Return on Equity (ROE) | 5.0057% | 4,501 |
| Retained earnings to average equity (ytd only) | 3.1152% | 3,840 |
| Net charge-offs to loans | -0.1666% | 5,922 |
| Credit loss provision to net charge-offs | -32.8084% | 5,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2682% | 1,155 |
| Assets per employee ($millions) | 4.5424% | 2,977 |
| Cash dividends to net income (ytd only)* | 37.7682% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 4,732 |
| Loan loss allowance to noncurrent loans | 187.4415% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.7969% | 2,679 |
| Noncurrent loans to loans | 0.5209% | 3,610 |
| Net loans and leases to total assets | 70.5896% | 2,279 |
| Net loans and leases to deposits | 87.3420% | 1,954 |
| Net loans and leases to core deposits | 96.6836% | 1,779 |
| Total domestic deposits to total assets | 80.8198% | 4,539 |
| Equity capital to assets | 9.4903% | 4,563 |
| Core capital (leverage) ratio | 9.0662% | 4,801 |
| Tier 1 risk-based capital ratio | 11.8763% | 5,026 |
| Total risk-based capital ratio | 12.8164% | 5,118 |
| Memoranda: | ||
| Average total assets | $325,934,800 | 2,016 |
| Average earning assets | $293,714,800 | 2,055 |
| Average equity | $32,582,600 | 2,166 |
| Average total loans | $228,718,400 | 1,869 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 2,481 |
| Cost of funding earning assets | 0.4437% | 2,753 |
| Net interest margin | 3.7869% | 2,434 |
| Noninterest income to average assets | 0.3027% | 4,771 |
| Noninterest expense to average assets | 3.1768% | 2,030 |
| Loan and lease loss provision to assets | 0.0519% | 3,158 |
| Net operating income to assets | 0.4763% | 4,871 |
| Return on assets (ROA) | 0.4983% | 4,885 |
| Pretax return on assets | 0.4983% | 5,222 |
| Return on Equity (ROE) | 4.9173% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.0528% | 4,270 |
| Net charge-offs to loans | -0.2252% | 6,021 |
| Credit loss provision to net charge-offs | -32.9815% | 4,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2430% | 1,143 |
| Assets per employee ($millions) | 4.4834% | 3,038 |
| Cash dividends to net income (ytd only)* | 37.9166% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 4,669 |
| Loan loss allowance to noncurrent loans | 188.9064% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,807 |
| Noncurrent loans to loans | 0.5371% | 3,734 |
| Net loans and leases to total assets | 70.5995% | 2,298 |
| Net loans and leases to deposits | 88.2997% | 1,860 |
| Net loans and leases to core deposits | 98.2933% | 1,668 |
| Total domestic deposits to total assets | 79.9544% | 4,764 |
| Equity capital to assets | 9.8920% | 4,292 |
| Core capital (leverage) ratio | 9.3135% | 4,568 |
| Tier 1 risk-based capital ratio | 12.0629% | 5,041 |
| Total risk-based capital ratio | 13.0260% | 5,141 |
| Memoranda: | ||
| Average total assets | $321,112,250 | 2,054 |
| Average earning assets | $288,493,000 | 2,098 |
| Average equity | $32,537,500 | 2,189 |
| Average total loans | $224,374,000 | 1,910 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2529% | 2,342 |
| Cost of funding earning assets | 0.4246% | 2,993 |
| Net interest margin | 3.8283% | 2,209 |
| Noninterest income to average assets | 0.3073% | 4,757 |
| Noninterest expense to average assets | 3.1906% | 2,006 |
| Loan and lease loss provision to assets | 0.0787% | 2,540 |
| Net operating income to assets | 0.4623% | 4,933 |
| Return on assets (ROA) | 0.4875% | 4,922 |
| Pretax return on assets | 0.4875% | 5,263 |
| Return on Equity (ROE) | 4.7713% | 4,716 |
| Retained earnings to average equity (ytd only) | 3.0145% | 4,122 |
| Net charge-offs to loans | -0.0045% | 4,712 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9831% | 1,271 |
| Assets per employee ($millions) | 4.5223% | 2,948 |
| Cash dividends to net income (ytd only)* | 36.8217% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 5,171 |
| Loan loss allowance to noncurrent loans | 116.1605% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 2,521 |
| Noncurrent loans to loans | 0.8033% | 3,105 |
| Net loans and leases to total assets | 67.0255% | 2,787 |
| Net loans and leases to deposits | 82.6428% | 2,478 |
| Net loans and leases to core deposits | 89.9510% | 2,356 |
| Total domestic deposits to total assets | 81.1026% | 4,583 |
| Equity capital to assets | 10.0595% | 3,970 |
| Core capital (leverage) ratio | 9.4068% | 4,408 |
| Tier 1 risk-based capital ratio | 12.3329% | 4,919 |
| Total risk-based capital ratio | 13.1718% | 5,105 |
| Memoranda: | ||
| Average total assets | $317,558,670 | 2,091 |
| Average earning assets | $284,043,670 | 2,139 |
| Average equity | $32,443,670 | 2,199 |
| Average total loans | $220,288,330 | 1,939 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 2,202 |
| Cost of funding earning assets | 0.4101% | 3,190 |
| Net interest margin | 3.8579% | 2,035 |
| Noninterest income to average assets | 0.2749% | 4,977 |
| Noninterest expense to average assets | 3.2299% | 1,906 |
| Loan and lease loss provision to assets | 0.0950% | 2,096 |
| Net operating income to assets | 0.3939% | 5,089 |
| Return on assets (ROA) | 0.4446% | 5,014 |
| Pretax return on assets | 0.4446% | 5,334 |
| Return on Equity (ROE) | 4.3179% | 4,837 |
| Retained earnings to average equity (ytd only) | 2.3496% | 4,515 |
| Net charge-offs to loans | -0.0595% | 5,611 |
| Credit loss provision to net charge-offs | -227.2727% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3202% | 1,242 |
| Assets per employee ($millions) | 4.4084% | 3,192 |
| Cash dividends to net income (ytd only)* | 45.5840% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 5,373 |
| Loan loss allowance to noncurrent loans | 92.3112% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 2,324 |
| Noncurrent loans to loans | 0.9969% | 2,769 |
| Net loans and leases to total assets | 68.9718% | 2,294 |
| Net loans and leases to deposits | 81.5592% | 2,385 |
| Net loans and leases to core deposits | 87.9359% | 2,340 |
| Total domestic deposits to total assets | 84.5666% | 3,593 |
| Equity capital to assets | 10.4471% | 3,590 |
| Core capital (leverage) ratio | 9.3888% | 4,449 |
| Tier 1 risk-based capital ratio | 12.5710% | 4,857 |
| Total risk-based capital ratio | 13.4260% | 5,035 |
| Memoranda: | ||
| Average total assets | $315,797,500 | 2,107 |
| Average earning assets | $281,913,000 | 2,163 |
| Average equity | $32,516,000 | 2,208 |
| Average total loans | $221,816,000 | 1,932 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,311 |
| Cost of funding earning assets | 0.5585% | 2,146 |
| Net interest margin | 3.8143% | 2,571 |
| Noninterest income to average assets | 0.6899% | 2,348 |
| Noninterest expense to average assets | 4.1995% | 603 |
| Loan and lease loss provision to assets | 0.1194% | 2,184 |
| Net operating income to assets | -0.1557% | 6,185 |
| Return on assets (ROA) | 0.0747% | 6,012 |
| Pretax return on assets | 0.0198% | 6,074 |
| Return on Equity (ROE) | 0.6726% | 6,011 |
| Retained earnings to average equity (ytd only) | -34.4191% | 6,468 |
| Net charge-offs to loans | 0.0439% | 3,945 |
| Credit loss provision to net charge-offs | 388.0952% | 668 |
| Earnings coverage of net charge-offs (x) | -2.9643% | 4,856 |
| Efficiency ratio | 101.4180% | 339 |
| Assets per employee ($millions) | 4.4873% | 3,063 |
| Cash dividends to net income (ytd only)* | 5,217.6471% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 5,660 |
| Loan loss allowance to noncurrent loans | 97.6828% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 2,058 |
| Noncurrent loans to loans | 0.8603% | 3,163 |
| Net loans and leases to total assets | 70.2610% | 2,196 |
| Net loans and leases to deposits | 82.7374% | 2,371 |
| Net loans and leases to core deposits | 89.7342% | 2,307 |
| Total domestic deposits to total assets | 84.9205% | 3,318 |
| Equity capital to assets | 10.1485% | 3,926 |
| Core capital (leverage) ratio | 8.9911% | 5,015 |
| Tier 1 risk-based capital ratio | 12.6095% | 4,970 |
| Total risk-based capital ratio | 13.4456% | 5,145 |
| Memoranda: | ||
| Average total assets | $272,937,000 | 2,338 |
| Average earning assets | $244,603,200 | 2,387 |
| Average equity | $30,332,000 | 2,250 |
| Average total loans | $191,547,400 | 2,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,495 |
| Cost of funding earning assets | 0.5845% | 1,976 |
| Net interest margin | 3.7469% | 2,832 |
| Noninterest income to average assets | 0.8402% | 1,744 |
| Noninterest expense to average assets | 4.5334% | 446 |
| Loan and lease loss provision to assets | 0.1157% | 2,121 |
| Net operating income to assets | -0.2542% | 6,292 |
| Return on assets (ROA) | -0.0489% | 6,188 |
| Pretax return on assets | -0.1254% | 6,219 |
| Return on Equity (ROE) | -0.4291% | 6,184 |
| Retained earnings to average equity (ytd only) | -47.4427% | 6,562 |
| Net charge-offs to loans | 0.0262% | 3,981 |
| Credit loss provision to net charge-offs | 630.5556% | 470 |
| Earnings coverage of net charge-offs (x) | -17.9996% | 4,650 |
| Efficiency ratio | 107.3144% | 254 |
| Assets per employee ($millions) | 4.3257% | 3,255 |
| Cash dividends to net income (ytd only)* | -10,957.0156% | 6,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7928% | 5,892 |
| Loan loss allowance to noncurrent loans | 92.2539% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 2,233 |
| Noncurrent loans to loans | 0.8593% | 3,422 |
| Net loans and leases to total assets | 72.1683% | 1,815 |
| Net loans and leases to deposits | 84.6752% | 2,070 |
| Net loans and leases to core deposits | 92.7125% | 1,976 |
| Total domestic deposits to total assets | 85.2296% | 3,249 |
| Equity capital to assets | 10.0216% | 4,140 |
| Core capital (leverage) ratio | 8.6040% | 5,547 |
| Tier 1 risk-based capital ratio | 12.0512% | 5,453 |
| Total risk-based capital ratio | 12.8348% | 5,664 |
| Memoranda: | ||
| Average total assets | $261,521,500 | 2,437 |
| Average earning assets | $234,712,500 | 2,491 |
| Average equity | $29,831,750 | 2,290 |
| Average total loans | $182,997,250 | 2,206 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,465 |
| Cost of funding earning assets | 0.5957% | 1,935 |
| Net interest margin | 3.4747% | 3,879 |
| Noninterest income to average assets | 0.2703% | 5,272 |
| Noninterest expense to average assets | 4.5488% | 428 |
| Loan and lease loss provision to assets | 0.1058% | 2,256 |
| Net operating income to assets | -1.2604% | 6,557 |
| Return on assets (ROA) | -0.9934% | 6,524 |
| Pretax return on assets | -0.9934% | 6,507 |
| Return on Equity (ROE) | -8.2661% | 6,494 |
| Retained earnings to average equity (ytd only) | -79.7932% | 6,639 |
| Net charge-offs to loans | 0.0481% | 3,291 |
| Credit loss provision to net charge-offs | 320.0000% | 812 |
| Earnings coverage of net charge-offs (x) | -34.9250% | 4,352 |
| Efficiency ratio | 134.0151% | 85 |
| Assets per employee ($millions) | 4.0436% | 3,753 |
| Cash dividends to net income (ytd only)* | -865.3078% | 6,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 5,181 |
| Loan loss allowance to noncurrent loans | 771.2389% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 3,117 |
| Noncurrent loans to loans | 0.1342% | 5,603 |
| Net loans and leases to total assets | 73.6088% | 1,492 |
| Net loans and leases to deposits | 87.6789% | 1,633 |
| Net loans and leases to core deposits | 97.9773% | 1,444 |
| Total domestic deposits to total assets | 83.9527% | 3,933 |
| Equity capital to assets | 9.4876% | 4,765 |
| Core capital (leverage) ratio | 8.5192% | 5,617 |
| Tier 1 risk-based capital ratio | 12.0354% | 5,522 |
| Total risk-based capital ratio | 13.0606% | 5,570 |
| Memoranda: | ||
| Average total assets | $241,995,670 | 2,620 |
| Average earning assets | $217,574,000 | 2,660 |
| Average equity | $29,082,670 | 2,332 |
| Average total loans | $166,377,670 | 2,378 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 3,833 |
| Cost of funding earning assets | 0.5891% | 2,076 |
| Net interest margin | 3.3765% | 4,234 |
| Noninterest income to average assets | 0.2418% | 5,422 |
| Noninterest expense to average assets | 3.3727% | 1,771 |
| Loan and lease loss provision to assets | 0.0913% | 2,394 |
| Net operating income to assets | -0.1746% | 6,340 |
| Return on assets (ROA) | 0.0048% | 6,224 |
| Pretax return on assets | 0.0048% | 6,213 |
| Return on Equity (ROE) | 0.0365% | 6,225 |
| Retained earnings to average equity (ytd only) | -1.1435% | 5,753 |
| Net charge-offs to loans | 0.0145% | 3,306 |
| Credit loss provision to net charge-offs | 950.0000% | 326 |
| Earnings coverage of net charge-offs (x) | -8.6667% | 3,596 |
| Efficiency ratio | 102.5316% | 409 |
| Assets per employee ($millions) | 4.5083% | 2,964 |
| Cash dividends to net income (ytd only)* | 3,233.3333% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 5,476 |
| Loan loss allowance to noncurrent loans | 241.3013% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.8126% | 3,706 |
| Noncurrent loans to loans | 0.4188% | 4,880 |
| Net loans and leases to total assets | 67.3861% | 2,324 |
| Net loans and leases to deposits | 82.9943% | 1,946 |
| Net loans and leases to core deposits | 93.6950% | 1,576 |
| Total domestic deposits to total assets | 81.1937% | 5,183 |
| Equity capital to assets | 13.3135% | 1,169 |
| Core capital (leverage) ratio | 12.9767% | 1,173 |
| Tier 1 risk-based capital ratio | 18.6742% | 2,069 |
| Total risk-based capital ratio | 19.6708% | 2,108 |
| Memoranda: | ||
| Average total assets | $249,772,000 | 2,558 |
| Average earning assets | $225,442,500 | 2,599 |
| Average equity | $32,882,000 | 2,096 |
| Average total loans | $165,354,000 | 2,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 3,835 |
| Cost of funding earning assets | 0.6180% | 2,499 |
| Net interest margin | 3.4555% | 4,073 |
| Noninterest income to average assets | 0.1973% | 5,904 |
| Noninterest expense to average assets | 3.0087% | 3,030 |
| Loan and lease loss provision to assets | 0.0081% | 4,960 |
| Net operating income to assets | 0.3152% | 5,471 |
| Return on assets (ROA) | 0.3876% | 5,296 |
| Pretax return on assets | 0.3876% | 5,521 |
| Return on Equity (ROE) | 3.0589% | 5,482 |
| Retained earnings to average equity (ytd only) | 1.8731% | 4,901 |
| Net charge-offs to loans | -0.0019% | 5,845 |
| Credit loss provision to net charge-offs | -700.0000% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2972% | 1,000 |
| Assets per employee ($millions) | 4.5743% | 2,769 |
| Cash dividends to net income (ytd only)* | 38.7674% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 5,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 4,624 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.6989% | 3,093 |
| Net loans and leases to deposits | 78.0793% | 2,714 |
| Net loans and leases to core deposits | 89.3623% | 2,099 |
| Total domestic deposits to total assets | 81.5824% | 5,011 |
| Equity capital to assets | 13.0183% | 1,262 |
| Core capital (leverage) ratio | 12.4060% | 1,403 |
| Tier 1 risk-based capital ratio | 18.8784% | 1,961 |
| Total risk-based capital ratio | 19.8530% | 2,015 |
| Memoranda: | ||
| Average total assets | $259,514,400 | 2,441 |
| Average earning assets | $235,422,200 | 2,466 |
| Average equity | $32,887,400 | 2,092 |
| Average total loans | $158,373,400 | 2,446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,998 |
| Cost of funding earning assets | 0.6168% | 2,671 |
| Net interest margin | 3.4174% | 4,220 |
| Noninterest income to average assets | 0.1953% | 6,004 |
| Noninterest expense to average assets | 2.9664% | 3,092 |
| Loan and lease loss provision to assets | 0.0076% | 4,823 |
| Net operating income to assets | 0.3258% | 5,510 |
| Return on assets (ROA) | 0.3340% | 5,612 |
| Pretax return on assets | 0.3340% | 5,788 |
| Return on Equity (ROE) | 2.6527% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.4661% | 5,400 |
| Net charge-offs to loans | -0.0034% | 5,735 |
| Credit loss provision to net charge-offs | -375.0000% | 5,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8949% | 1,001 |
| Assets per employee ($millions) | 4.7592% | 2,492 |
| Cash dividends to net income (ytd only)* | 44.7333% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 5,586 |
| Loan loss allowance to noncurrent loans | 129.2091% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 4,888 |
| Noncurrent loans to loans | 0.8000% | 4,243 |
| Net loans and leases to total assets | 60.3486% | 3,643 |
| Net loans and leases to deposits | 73.8494% | 3,253 |
| Net loans and leases to core deposits | 86.4809% | 2,352 |
| Total domestic deposits to total assets | 81.7185% | 5,025 |
| Equity capital to assets | 12.6832% | 1,486 |
| Core capital (leverage) ratio | 12.4021% | 1,470 |
| Tier 1 risk-based capital ratio | 19.0109% | 1,989 |
| Total risk-based capital ratio | 19.9974% | 2,035 |
| Memoranda: | ||
| Average total assets | $261,496,750 | 2,441 |
| Average earning assets | $237,564,000 | 2,458 |
| Average equity | $32,921,250 | 2,107 |
| Average total loans | $157,488,750 | 2,463 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,954 |
| Cost of funding earning assets | 0.6294% | 2,685 |
| Net interest margin | 3.4127% | 4,149 |
| Noninterest income to average assets | 0.2104% | 5,937 |
| Noninterest expense to average assets | 2.9601% | 3,124 |
| Loan and lease loss provision to assets | 0.0367% | 4,216 |
| Net operating income to assets | 0.3167% | 5,534 |
| Return on assets (ROA) | 0.3290% | 5,651 |
| Pretax return on assets | 0.3290% | 5,798 |
| Return on Equity (ROE) | 2.6197% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.4317% | 5,308 |
| Net charge-offs to loans | 0.0089% | 4,707 |
| Credit loss provision to net charge-offs | 685.7143% | 429 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 661 |
| Efficiency ratio | 89.3327% | 1,100 |
| Assets per employee ($millions) | 4.5812% | 2,674 |
| Cash dividends to net income (ytd only)* | 45.3488% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 5,548 |
| Loan loss allowance to noncurrent loans | 113.9741% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 4,710 |
| Noncurrent loans to loans | 0.9393% | 4,044 |
| Net loans and leases to total assets | 61.3229% | 3,418 |
| Net loans and leases to deposits | 75.8727% | 2,895 |
| Net loans and leases to core deposits | 90.5428% | 1,859 |
| Total domestic deposits to total assets | 80.8234% | 5,392 |
| Equity capital to assets | 12.9993% | 1,346 |
| Core capital (leverage) ratio | 12.1358% | 1,543 |
| Tier 1 risk-based capital ratio | 19.6854% | 1,803 |
| Total risk-based capital ratio | 20.7249% | 1,837 |
| Memoranda: | ||
| Average total assets | $261,410,330 | 2,447 |
| Average earning assets | $237,701,670 | 2,467 |
| Average equity | $32,828,670 | 2,117 |
| Average total loans | $156,779,670 | 2,480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0400% | 3,955 |
| Cost of funding earning assets | 0.6323% | 2,823 |
| Net interest margin | 3.4076% | 4,091 |
| Noninterest income to average assets | 0.1984% | 6,056 |
| Noninterest expense to average assets | 2.9008% | 3,339 |
| Loan and lease loss provision to assets | 0.0286% | 4,099 |
| Net operating income to assets | 0.3712% | 5,257 |
| Return on assets (ROA) | 0.3953% | 5,293 |
| Pretax return on assets | 0.3953% | 5,571 |
| Return on Equity (ROE) | 3.2009% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.0082% | 4,996 |
| Net charge-offs to loans | 0.0458% | 3,385 |
| Credit loss provision to net charge-offs | 105.5556% | 1,747 |
| Earnings coverage of net charge-offs (x) | 14.7778% | 1,436 |
| Efficiency ratio | 87.8871% | 1,340 |
| Assets per employee ($millions) | 4.7450% | 2,577 |
| Cash dividends to net income (ytd only)* | 37.2624% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 5,835 |
| Loan loss allowance to noncurrent loans | 94.0092% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 4,636 |
| Noncurrent loans to loans | 1.1062% | 3,934 |
| Net loans and leases to total assets | 59.5065% | 3,517 |
| Net loans and leases to deposits | 73.9598% | 2,923 |
| Net loans and leases to core deposits | 88.6060% | 1,845 |
| Total domestic deposits to total assets | 80.4579% | 5,650 |
| Equity capital to assets | 12.5706% | 1,669 |
| Core capital (leverage) ratio | 11.8703% | 1,641 |
| Tier 1 risk-based capital ratio | 19.2246% | 1,970 |
| Total risk-based capital ratio | 20.2179% | 2,027 |
| Memoranda: | ||
| Average total assets | $266,131,500 | 2,432 |
| Average earning assets | $242,279,500 | 2,450 |
| Average equity | $32,866,000 | 2,131 |
| Average total loans | $157,076,500 | 2,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 4,971 |
| Cost of funding earning assets | 0.8650% | 2,185 |
| Net interest margin | 3.2295% | 5,497 |
| Noninterest income to average assets | 0.1148% | 6,453 |
| Noninterest expense to average assets | 2.8185% | 3,952 |
| Loan and lease loss provision to assets | 0.0122% | 5,760 |
| Net operating income to assets | 0.2246% | 5,721 |
| Return on assets (ROA) | 0.4734% | 5,041 |
| Pretax return on assets | 0.4734% | 5,360 |
| Return on Equity (ROE) | 3.9884% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.8055% | 4,265 |
| Net charge-offs to loans | -0.0667% | 6,757 |
| Credit loss provision to net charge-offs | -34.6939% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2479% | 897 |
| Assets per employee ($millions) | 5.1186% | 2,073 |
| Cash dividends to net income (ytd only)* | 29.6578% | 3,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 5,820 |
| Loan loss allowance to noncurrent loans | 104.8875% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,967 |
| Noncurrent loans to loans | 0.9890% | 4,216 |
| Net loans and leases to total assets | 57.3534% | 4,073 |
| Net loans and leases to deposits | 70.8565% | 3,584 |
| Net loans and leases to core deposits | 85.4770% | 2,378 |
| Total domestic deposits to total assets | 80.9431% | 5,423 |
| Equity capital to assets | 12.1369% | 1,952 |
| Core capital (leverage) ratio | 11.4340% | 1,922 |
| Tier 1 risk-based capital ratio | 18.7760% | 2,019 |
| Total risk-based capital ratio | 19.7509% | 2,070 |
| Memoranda: | ||
| Average total assets | $277,802,800 | 2,288 |
| Average earning assets | $252,947,000 | 2,290 |
| Average equity | $32,970,400 | 2,091 |
| Average total loans | $146,948,400 | 2,622 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 5,271 |
| Cost of funding earning assets | 0.9078% | 2,121 |
| Net interest margin | 3.1706% | 5,769 |
| Noninterest income to average assets | 0.0735% | 6,721 |
| Noninterest expense to average assets | 2.8047% | 3,967 |
| Loan and lease loss provision to assets | 0.0067% | 5,725 |
| Net operating income to assets | 0.1484% | 6,035 |
| Return on assets (ROA) | 0.4309% | 5,351 |
| Pretax return on assets | 0.4309% | 5,645 |
| Return on Equity (ROE) | 3.6504% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.4700% | 5,095 |
| Net charge-offs to loans | 0.0009% | 5,766 |
| Credit loss provision to net charge-offs | 1,400.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 325.8045% | 142 |
| Efficiency ratio | 94.7606% | 728 |
| Assets per employee ($millions) | 5.5541% | 1,583 |
| Cash dividends to net income (ytd only)* | 32.3364% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 5,980 |
| Loan loss allowance to noncurrent loans | 91.6919% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,147 |
| Noncurrent loans to loans | 1.1196% | 4,188 |
| Net loans and leases to total assets | 51.4625% | 5,119 |
| Net loans and leases to deposits | 64.1541% | 4,694 |
| Net loans and leases to core deposits | 77.3419% | 3,564 |
| Total domestic deposits to total assets | 80.2169% | 5,596 |
| Equity capital to assets | 11.7586% | 2,476 |
| Core capital (leverage) ratio | 11.0354% | 2,342 |
| Tier 1 risk-based capital ratio | 19.1164% | 1,974 |
| Total risk-based capital ratio | 20.0460% | 2,041 |
| Memoranda: | ||
| Average total assets | $279,431,500 | 2,300 |
| Average earning assets | $254,375,250 | 2,304 |
| Average equity | $32,981,500 | 2,106 |
| Average total loans | $144,379,500 | 2,685 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 5,096 |
| Cost of funding earning assets | 0.9715% | 1,923 |
| Net interest margin | 3.1858% | 5,781 |
| Noninterest income to average assets | 0.0856% | 6,732 |
| Noninterest expense to average assets | 2.6712% | 4,532 |
| Loan and lease loss provision to assets | -0.0194% | 7,043 |
| Net operating income to assets | 0.3315% | 5,493 |
| Return on assets (ROA) | 0.4573% | 5,244 |
| Pretax return on assets | 0.4573% | 5,557 |
| Return on Equity (ROE) | 3.8694% | 5,330 |
| Retained earnings to average equity (ytd only) | 2.6831% | 4,835 |
| Net charge-offs to loans | 0.0014% | 5,499 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,516 |
| Earnings coverage of net charge-offs (x) | 434.0000% | 94 |
| Efficiency ratio | 89.5396% | 1,109 |
| Assets per employee ($millions) | 5.2000% | 1,928 |
| Cash dividends to net income (ytd only)* | 30.6604% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 6,026 |
| Loan loss allowance to noncurrent loans | 93.2784% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6314% | 5,194 |
| Noncurrent loans to loans | 1.1060% | 4,314 |
| Net loans and leases to total assets | 50.2543% | 5,324 |
| Net loans and leases to deposits | 63.5131% | 4,825 |
| Net loans and leases to core deposits | 77.3427% | 3,609 |
| Total domestic deposits to total assets | 79.1243% | 5,939 |
| Equity capital to assets | 11.8259% | 2,290 |
| Core capital (leverage) ratio | 11.2518% | 2,082 |
| Tier 1 risk-based capital ratio | 19.5874% | 1,821 |
| Total risk-based capital ratio | 20.5194% | 1,871 |
| Memoranda: | ||
| Average total assets | $278,156,330 | 2,311 |
| Average earning assets | $253,000,670 | 2,329 |
| Average equity | $32,873,000 | 2,093 |
| Average total loans | $143,411,670 | 2,714 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2282% | 5,000 |
| Cost of funding earning assets | 1.0308% | 1,804 |
| Net interest margin | 3.1973% | 5,789 |
| Noninterest income to average assets | 0.1402% | 6,541 |
| Noninterest expense to average assets | 2.6427% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4060% | 5,228 |
| Return on assets (ROA) | 0.4624% | 5,186 |
| Pretax return on assets | 0.4624% | 5,551 |
| Return on Equity (ROE) | 3.9137% | 5,335 |
| Retained earnings to average equity (ytd only) | 2.7151% | 4,901 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6825% | 1,414 |
| Assets per employee ($millions) | 5.5018% | 1,692 |
| Cash dividends to net income (ytd only)* | 30.6250% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 6,134 |
| Loan loss allowance to noncurrent loans | 106.0863% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 5,316 |
| Noncurrent loans to loans | 0.9756% | 4,729 |
| Net loans and leases to total assets | 52.1071% | 5,009 |
| Net loans and leases to deposits | 66.2522% | 4,336 |
| Net loans and leases to core deposits | 83.0891% | 2,670 |
| Total domestic deposits to total assets | 78.6496% | 6,156 |
| Equity capital to assets | 11.9524% | 2,081 |
| Core capital (leverage) ratio | 11.0930% | 2,191 |
| Tier 1 risk-based capital ratio | 18.9678% | 1,994 |
| Total risk-based capital ratio | 19.8942% | 2,065 |
| Memoranda: | ||
| Average total assets | $276,834,500 | 2,332 |
| Average earning assets | $251,835,500 | 2,348 |
| Average equity | $32,706,000 | 2,102 |
| Average total loans | $143,825,000 | 2,724 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 5,048 |
| Cost of funding earning assets | 1.2338% | 1,822 |
| Net interest margin | 3.2727% | 5,894 |
| Noninterest income to average assets | 0.0679% | 6,760 |
| Noninterest expense to average assets | 2.7241% | 4,648 |
| Loan and lease loss provision to assets | 0.1043% | 5,280 |
| Net operating income to assets | 0.2242% | 5,510 |
| Return on assets (ROA) | 0.2369% | 5,611 |
| Pretax return on assets | 0.2369% | 5,699 |
| Return on Equity (ROE) | 2.2037% | 5,582 |
| Retained earnings to average equity (ytd only) | 0.8855% | 5,446 |
| Net charge-offs to loans | 0.6944% | 2,420 |
| Credit loss provision to net charge-offs | 29.9270% | 5,786 |
| Earnings coverage of net charge-offs (x) | 0.9426% | 5,099 |
| Efficiency ratio | 89.2407% | 1,248 |
| Assets per employee ($millions) | 5.4623% | 1,679 |
| Cash dividends to net income (ytd only)* | 59.8160% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 5,998 |
| Loan loss allowance to noncurrent loans | 104.8985% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 5,373 |
| Noncurrent loans to loans | 1.0006% | 4,705 |
| Net loans and leases to total assets | 50.7255% | 5,498 |
| Net loans and leases to deposits | 63.3808% | 5,080 |
| Net loans and leases to core deposits | 77.6898% | 3,720 |
| Total domestic deposits to total assets | 80.0329% | 5,734 |
| Equity capital to assets | 11.6779% | 2,355 |
| Core capital (leverage) ratio | 10.9100% | 2,340 |
| Tier 1 risk-based capital ratio | 18.8570% | 1,941 |
| Total risk-based capital ratio | 19.7848% | 2,003 |
| Memoranda: | ||
| Average total assets | $275,244,400 | 2,301 |
| Average earning assets | $251,017,200 | 2,293 |
| Average equity | $29,586,400 | 2,225 |
| Average total loans | $138,106,400 | 2,831 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 5,036 |
| Cost of funding earning assets | 1.2774% | 1,832 |
| Net interest margin | 3.2838% | 5,905 |
| Noninterest income to average assets | 0.1341% | 6,581 |
| Noninterest expense to average assets | 2.8113% | 4,300 |
| Loan and lease loss provision to assets | 0.1346% | 4,750 |
| Net operating income to assets | 0.1846% | 5,744 |
| Return on assets (ROA) | 0.1866% | 5,864 |
| Pretax return on assets | 0.1866% | 5,922 |
| Return on Equity (ROE) | 1.7747% | 5,847 |
| Retained earnings to average equity (ytd only) | 0.4206% | 5,825 |
| Net charge-offs to loans | 0.9328% | 1,728 |
| Credit loss provision to net charge-offs | 28.9144% | 5,425 |
| Earnings coverage of net charge-offs (x) | 0.6858% | 5,111 |
| Efficiency ratio | 89.8029% | 1,179 |
| Assets per employee ($millions) | 5.3561% | 1,749 |
| Cash dividends to net income (ytd only)* | 76.3023% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 6,004 |
| Loan loss allowance to noncurrent loans | 94.8440% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 5,015 |
| Noncurrent loans to loans | 1.1249% | 4,665 |
| Net loans and leases to total assets | 49.6070% | 5,757 |
| Net loans and leases to deposits | 62.3091% | 5,363 |
| Net loans and leases to core deposits | 79.4437% | 3,715 |
| Total domestic deposits to total assets | 79.6144% | 5,843 |
| Equity capital to assets | 10.8730% | 3,270 |
| Core capital (leverage) ratio | 9.9296% | 3,532 |
| Tier 1 risk-based capital ratio | 17.3375% | 2,511 |
| Total risk-based capital ratio | 18.2577% | 2,601 |
| Memoranda: | ||
| Average total assets | $274,411,000 | 2,324 |
| Average earning assets | $250,397,000 | 2,314 |
| Average equity | $28,850,000 | 2,279 |
| Average total loans | $136,930,750 | 2,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 5,173 |
| Cost of funding earning assets | 1.3137% | 1,860 |
| Net interest margin | 3.2360% | 6,045 |
| Noninterest income to average assets | 0.1231% | 6,716 |
| Noninterest expense to average assets | 2.8347% | 4,292 |
| Loan and lease loss provision to assets | 0.1985% | 3,944 |
| Net operating income to assets | 0.0418% | 6,142 |
| Return on assets (ROA) | 0.0418% | 6,222 |
| Pretax return on assets | 0.0418% | 6,203 |
| Return on Equity (ROE) | 0.4018% | 6,212 |
| Retained earnings to average equity (ytd only) | -0.9728% | 6,045 |
| Net charge-offs to loans | 1.4233% | 1,058 |
| Credit loss provision to net charge-offs | 27.9959% | 5,021 |
| Earnings coverage of net charge-offs (x) | 0.3388% | 5,059 |
| Efficiency ratio | 92.1868% | 1,085 |
| Assets per employee ($millions) | 5.1372% | 1,948 |
| Cash dividends to net income (ytd only)* | 342.1053% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 6,025 |
| Loan loss allowance to noncurrent loans | 57.7813% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 4,483 |
| Noncurrent loans to loans | 1.8734% | 3,649 |
| Net loans and leases to total assets | 48.5543% | 5,988 |
| Net loans and leases to deposits | 61.3358% | 5,574 |
| Net loans and leases to core deposits | 79.4346% | 3,869 |
| Total domestic deposits to total assets | 79.1615% | 6,045 |
| Equity capital to assets | 10.5992% | 3,379 |
| Core capital (leverage) ratio | 10.1585% | 3,082 |
| Tier 1 risk-based capital ratio | 17.5662% | 2,316 |
| Total risk-based capital ratio | 18.4964% | 2,404 |
| Memoranda: | ||
| Average total assets | $273,043,000 | 2,344 |
| Average earning assets | $249,074,670 | 2,337 |
| Average equity | $28,372,330 | 2,288 |
| Average total loans | $136,023,330 | 2,932 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5486% | 5,179 |
| Cost of funding earning assets | 1.3570% | 1,842 |
| Net interest margin | 3.1916% | 6,094 |
| Noninterest income to average assets | 0.1034% | 6,895 |
| Noninterest expense to average assets | 2.7365% | 4,689 |
| Loan and lease loss provision to assets | 0.0709% | 5,115 |
| Net operating income to assets | 0.2067% | 5,764 |
| Return on assets (ROA) | 0.2067% | 5,826 |
| Pretax return on assets | 0.2067% | 5,924 |
| Return on Equity (ROE) | 2.0103% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.6174% | 5,585 |
| Net charge-offs to loans | 1.1239% | 1,233 |
| Credit loss provision to net charge-offs | 12.5654% | 4,363 |
| Earnings coverage of net charge-offs (x) | 0.4921% | 4,249 |
| Efficiency ratio | 90.7888% | 1,258 |
| Assets per employee ($millions) | 5.1871% | 1,908 |
| Cash dividends to net income (ytd only)* | 69.2857% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 4,921 |
| Loan loss allowance to noncurrent loans | 56.0574% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.5238% | 3,967 |
| Noncurrent loans to loans | 2.3985% | 3,091 |
| Net loans and leases to total assets | 49.9731% | 5,854 |
| Net loans and leases to deposits | 63.8994% | 5,268 |
| Net loans and leases to core deposits | 86.8281% | 2,755 |
| Total domestic deposits to total assets | 78.2059% | 6,351 |
| Equity capital to assets | 10.4271% | 3,259 |
| Core capital (leverage) ratio | 10.2760% | 2,833 |
| Tier 1 risk-based capital ratio | 17.8290% | 2,175 |
| Total risk-based capital ratio | 18.9979% | 2,166 |
| Memoranda: | ||
| Average total assets | $270,860,000 | 2,381 |
| Average earning assets | $247,020,000 | 2,379 |
| Average equity | $27,857,000 | 2,312 |
| Average total loans | $135,951,000 | 2,970 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 6,291 |
| Cost of funding earning assets | 1.6535% | 1,810 |
| Net interest margin | 2.8842% | 6,917 |
| Noninterest income to average assets | 0.1369% | 6,706 |
| Noninterest expense to average assets | 2.6813% | 5,078 |
| Loan and lease loss provision to assets | 0.4396% | 3,479 |
| Net operating income to assets | -0.3612% | 6,275 |
| Return on assets (ROA) | -0.0480% | 6,010 |
| Pretax return on assets | -0.0480% | 5,954 |
| Return on Equity (ROE) | -0.4458% | 6,011 |
| Retained earnings to average equity (ytd only) | -1.7899% | 5,935 |
| Net charge-offs to loans | 0.2499% | 4,792 |
| Credit loss provision to net charge-offs | 394.0000% | 626 |
| Earnings coverage of net charge-offs (x) | 0.7033% | 5,405 |
| Efficiency ratio | 97.1563% | 909 |
| Assets per employee ($millions) | 5.2306% | 1,822 |
| Cash dividends to net income (ytd only)* | -301.5504% | 7,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 3,553 |
| Loan loss allowance to noncurrent loans | 63.1839% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.4155% | 4,223 |
| Noncurrent loans to loans | 2.5400% | 2,987 |
| Net loans and leases to total assets | 48.9362% | 6,280 |
| Net loans and leases to deposits | 63.3575% | 5,703 |
| Net loans and leases to core deposits | 85.5285% | 3,393 |
| Total domestic deposits to total assets | 77.2382% | 6,441 |
| Equity capital to assets | 10.1434% | 3,564 |
| Core capital (leverage) ratio | 9.9812% | 3,117 |
| Tier 1 risk-based capital ratio | 17.6376% | 2,116 |
| Total risk-based capital ratio | 18.8891% | 2,081 |
| Memoranda: | ||
| Average total assets | $268,863,000 | 2,371 |
| Average earning assets | $244,508,400 | 2,389 |
| Average equity | $28,939,800 | 2,246 |
| Average total loans | $120,048,000 | 3,313 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 6,377 |
| Cost of funding earning assets | 1.7088% | 1,830 |
| Net interest margin | 2.8767% | 7,043 |
| Noninterest income to average assets | 0.1338% | 6,888 |
| Noninterest expense to average assets | 2.6802% | 4,961 |
| Loan and lease loss provision to assets | 0.2671% | 4,448 |
| Net operating income to assets | -0.2004% | 6,323 |
| Return on assets (ROA) | 0.0632% | 5,996 |
| Pretax return on assets | 0.0632% | 5,980 |
| Return on Equity (ROE) | 0.5784% | 5,996 |
| Retained earnings to average equity (ytd only) | -0.7514% | 5,975 |
| Net charge-offs to loans | 0.3430% | 3,934 |
| Credit loss provision to net charge-offs | 179.5987% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.4482% | 5,577 |
| Efficiency ratio | 97.5738% | 836 |
| Assets per employee ($millions) | 5.2421% | 1,881 |
| Cash dividends to net income (ytd only)* | 229.9179% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 5,526 |
| Loan loss allowance to noncurrent loans | 192.5599% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4427% | 6,322 |
| Noncurrent loans to loans | 0.6198% | 5,968 |
| Net loans and leases to total assets | 45.5014% | 6,743 |
| Net loans and leases to deposits | 59.7598% | 6,333 |
| Net loans and leases to core deposits | 80.7049% | 4,420 |
| Total domestic deposits to total assets | 76.1405% | 6,631 |
| Equity capital to assets | 10.9837% | 2,978 |
| Core capital (leverage) ratio | 10.1091% | 3,138 |
| Tier 1 risk-based capital ratio | 18.4017% | 1,900 |
| Total risk-based capital ratio | 19.3947% | 1,942 |
| Memoranda: | ||
| Average total assets | $268,081,000 | 2,413 |
| Average earning assets | $243,514,000 | 2,431 |
| Average equity | $29,277,500 | 2,257 |
| Average total loans | $116,241,750 | 3,442 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5832% | 6,510 |
| Cost of funding earning assets | 1.7771% | 1,735 |
| Net interest margin | 2.8061% | 7,135 |
| Noninterest income to average assets | 0.1465% | 6,851 |
| Noninterest expense to average assets | 2.7527% | 4,692 |
| Loan and lease loss provision to assets | 0.3602% | 3,545 |
| Net operating income to assets | -0.4229% | 6,591 |
| Return on assets (ROA) | -0.0423% | 6,228 |
| Pretax return on assets | -0.0423% | 6,190 |
| Return on Equity (ROE) | -0.3880% | 6,234 |
| Retained earnings to average equity (ytd only) | -1.7322% | 6,107 |
| Net charge-offs to loans | 0.5323% | 2,937 |
| Credit loss provision to net charge-offs | 159.5318% | 2,468 |
| Earnings coverage of net charge-offs (x) | -0.2776% | 5,919 |
| Efficiency ratio | 102.3302% | 727 |
| Assets per employee ($millions) | 5.5837% | 1,550 |
| Cash dividends to net income (ytd only)* | -346.4286% | 7,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,334 |
| Loan loss allowance to noncurrent loans | 184.9937% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 6,345 |
| Noncurrent loans to loans | 0.6616% | 5,929 |
| Net loans and leases to total assets | 42.4061% | 7,015 |
| Net loans and leases to deposits | 55.9800% | 6,730 |
| Net loans and leases to core deposits | 75.1218% | 5,307 |
| Total domestic deposits to total assets | 75.7524% | 6,739 |
| Equity capital to assets | 10.8831% | 2,985 |
| Core capital (leverage) ratio | 10.2972% | 2,825 |
| Tier 1 risk-based capital ratio | 18.2213% | 1,889 |
| Total risk-based capital ratio | 19.1694% | 1,947 |
| Memoranda: | ||
| Average total assets | $264,831,000 | 2,465 |
| Average earning assets | $240,052,330 | 2,480 |
| Average equity | $28,864,670 | 2,270 |
| Average total loans | $112,341,000 | 3,572 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6305% | 6,467 |
| Cost of funding earning assets | 1.8488% | 1,662 |
| Net interest margin | 2.7817% | 7,206 |
| Noninterest income to average assets | 0.1770% | 6,694 |
| Noninterest expense to average assets | 2.8674% | 4,195 |
| Loan and lease loss provision to assets | 0.2111% | 4,398 |
| Net operating income to assets | -0.3881% | 6,750 |
| Return on assets (ROA) | -0.3835% | 6,786 |
| Pretax return on assets | -0.3835% | 6,709 |
| Return on Equity (ROE) | -3.5154% | 6,779 |
| Retained earnings to average equity (ytd only) | -4.8817% | 6,579 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5782% | 665 |
| Assets per employee ($millions) | 5.5302% | 1,636 |
| Cash dividends to net income (ytd only)* | -38.8664% | 7,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 7,074 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.5567% | 7,153 |
| Net loans and leases to deposits | 55.7553% | 6,794 |
| Net loans and leases to core deposits | 69.7829% | 5,940 |
| Total domestic deposits to total assets | 74.5342% | 6,978 |
| Equity capital to assets | 10.8178% | 2,938 |
| Core capital (leverage) ratio | 10.7585% | 2,407 |
| Tier 1 risk-based capital ratio | 18.2167% | 1,896 |
| Total risk-based capital ratio | 19.1425% | 1,941 |
| Memoranda: | ||
| Average total assets | $257,653,500 | 2,580 |
| Average earning assets | $232,804,000 | 2,614 |
| Average equity | $28,105,000 | 2,365 |
| Average total loans | $108,582,000 | 3,716 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 7,143 |
| Cost of funding earning assets | 2.6161% | 743 |
| Net interest margin | 2.0793% | 7,711 |
| Noninterest income to average assets | 0.2958% | 5,998 |
| Noninterest expense to average assets | 3.5335% | 2,308 |
| Loan and lease loss provision to assets | 0.3002% | 5,032 |
| Net operating income to assets | -1.6561% | 6,938 |
| Return on assets (ROA) | -1.2829% | 6,760 |
| Pretax return on assets | -1.2829% | 6,588 |
| Return on Equity (ROE) | -11.0318% | 6,699 |
| Retained earnings to average equity (ytd only) | -11.4234% | 6,635 |
| Net charge-offs to loans | 0.2072% | 5,335 |
| Credit loss provision to net charge-offs | 334.9727% | 969 |
| Earnings coverage of net charge-offs (x) | -15.1311% | 7,177 |
| Efficiency ratio | 162.2667% | 245 |
| Assets per employee ($millions) | 4.4423% | 3,030 |
| Cash dividends to net income (ytd only)* | -3.5496% | 7,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2697% | 6,779 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.6817% | 7,263 |
| Net loans and leases to deposits | 53.9724% | 7,051 |
| Net loans and leases to core deposits | 80.5671% | 6,032 |
| Total domestic deposits to total assets | 77.2277% | 6,405 |
| Equity capital to assets | 11.0082% | 2,699 |
| Core capital (leverage) ratio | 10.8887% | 2,286 |
| Tier 1 risk-based capital ratio | 18.1403% | 1,854 |
| Total risk-based capital ratio | 19.0247% | 1,905 |
| Memoranda: | ||
| Average total assets | $204,217,400 | 3,133 |
| Average earning assets | $184,819,200 | 3,158 |
| Average equity | $23,749,600 | 2,762 |
| Average total loans | $88,299,200 | 4,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 7,333 |
| Cost of funding earning assets | 2.7442% | 702 |
| Net interest margin | 1.9236% | 7,843 |
| Noninterest income to average assets | 0.2911% | 6,152 |
| Noninterest expense to average assets | 3.6568% | 1,912 |
| Loan and lease loss provision to assets | 0.3859% | 4,004 |
| Net operating income to assets | -2.0069% | 7,320 |
| Return on assets (ROA) | -1.6073% | 7,157 |
| Pretax return on assets | -1.6073% | 7,014 |
| Return on Equity (ROE) | -13.5926% | 7,109 |
| Retained earnings to average equity (ytd only) | -13.9119% | 7,067 |
| Net charge-offs to loans | 0.2869% | 4,236 |
| Credit loss provision to net charge-offs | 308.7912% | 1,335 |
| Earnings coverage of net charge-offs (x) | -12.9726% | 6,917 |
| Efficiency ratio | 179.6290% | 201 |
| Assets per employee ($millions) | 4.5330% | 2,812 |
| Cash dividends to net income (ytd only)* | -2.3494% | 7,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 6,815 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.7565% | 7,421 |
| Net loans and leases to deposits | 53.4053% | 7,242 |
| Net loans and leases to core deposits | 81.1406% | 6,260 |
| Total domestic deposits to total assets | 76.3156% | 6,523 |
| Equity capital to assets | 9.9150% | 4,198 |
| Core capital (leverage) ratio | 9.7256% | 3,613 |
| Tier 1 risk-based capital ratio | 16.0137% | 2,625 |
| Total risk-based capital ratio | 16.8984% | 2,695 |
| Memoranda: | ||
| Average total assets | $194,189,750 | 3,265 |
| Average earning assets | $176,125,000 | 3,290 |
| Average equity | $22,963,000 | 2,858 |
| Average total loans | $84,591,750 | 4,405 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 7,392 |
| Cost of funding earning assets | 2.9375% | 561 |
| Net interest margin | 1.7623% | 7,955 |
| Noninterest income to average assets | 0.3400% | 5,793 |
| Noninterest expense to average assets | 3.9712% | 1,367 |
| Loan and lease loss provision to assets | 0.4227% | 3,431 |
| Net operating income to assets | -2.4592% | 7,546 |
| Return on assets (ROA) | -1.8084% | 7,362 |
| Pretax return on assets | -1.8084% | 7,217 |
| Return on Equity (ROE) | -14.2611% | 7,296 |
| Retained earnings to average equity (ytd only) | -14.4199% | 7,210 |
| Net charge-offs to loans | 0.1304% | 4,865 |
| Credit loss provision to net charge-offs | 726.9231% | 652 |
| Earnings coverage of net charge-offs (x) | -35.0192% | 6,585 |
| Efficiency ratio | 205.2601% | 187 |
| Assets per employee ($millions) | 4.4803% | 2,802 |
| Cash dividends to net income (ytd only)* | -1.1132% | 7,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 4,608 |
| Loan loss allowance to noncurrent loans | 209.7345% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 6,603 |
| Noncurrent loans to loans | 0.5958% | 6,064 |
| Net loans and leases to total assets | 41.8015% | 7,457 |
| Net loans and leases to deposits | 55.9621% | 7,165 |
| Net loans and leases to core deposits | 84.5068% | 6,049 |
| Total domestic deposits to total assets | 74.6960% | 6,825 |
| Equity capital to assets | 10.3765% | 3,541 |
| Core capital (leverage) ratio | 11.2781% | 2,212 |
| Tier 1 risk-based capital ratio | 17.5687% | 2,123 |
| Total risk-based capital ratio | 18.4683% | 2,166 |
| Memoranda: | ||
| Average total assets | $178,836,000 | 3,503 |
| Average earning assets | $161,836,670 | 3,528 |
| Average equity | $22,677,000 | 2,892 |
| Average total loans | $79,736,670 | 4,590 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7784% | 7,400 |
| Cost of funding earning assets | 3.1089% | 449 |
| Net interest margin | 1.6694% | 8,013 |
| Noninterest income to average assets | 0.3840% | 5,345 |
| Noninterest expense to average assets | 4.2497% | 892 |
| Loan and lease loss provision to assets | 0.2330% | 4,120 |
| Net operating income to assets | -2.5933% | 7,785 |
| Return on assets (ROA) | -1.8535% | 7,618 |
| Pretax return on assets | -1.8535% | 7,487 |
| Return on Equity (ROE) | -12.9326% | 7,518 |
| Retained earnings to average equity (ytd only) | -12.9326% | 7,321 |
| Net charge-offs to loans | 0.0222% | 5,248 |
| Credit loss provision to net charge-offs | 2,275.0000% | 286 |
| Earnings coverage of net charge-offs (x) | -230.5000% | 5,722 |
| Efficiency ratio | 224.9322% | 152 |
| Assets per employee ($millions) | 3.4025% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 43.9154% | 7,346 |
| Net loans and leases to deposits | 53.8574% | 7,301 |
| Net loans and leases to core deposits | 79.0459% | 6,455 |
| Total domestic deposits to total assets | 81.5400% | 4,734 |
| Equity capital to assets | 13.0251% | 1,730 |
| Core capital (leverage) ratio | 13.5983% | 1,298 |
| Tier 1 risk-based capital ratio | 20.3954% | 1,546 |
| Total risk-based capital ratio | 21.3037% | 1,568 |
| Memoranda: | ||
| Average total assets | $156,246,000 | 3,896 |
| Average earning assets | $140,885,000 | 3,934 |
| Average equity | $22,393,000 | 2,930 |
| Average total loans | $72,191,500 | 4,899 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3633% | 7,517 |
| Cost of funding earning assets | 2.6840% | 3,238 |
| Net interest margin | 2.6793% | 7,536 |
| Noninterest income to average assets | 0.3860% | 5,588 |
| Noninterest expense to average assets | 6.5320% | 330 |
| Loan and lease loss provision to assets | 0.7059% | 2,087 |
| Net operating income to assets | -4.4957% | 8,049 |
| Return on assets (ROA) | -4.4895% | 8,032 |
| Pretax return on assets | -4.4895% | 7,963 |
| Return on Equity (ROE) | -17.8667% | 7,706 |
| Retained earnings to average equity (ytd only) | -17.8667% | 7,614 |
| Net charge-offs to loans | 0.0194% | 6,587 |
| Credit loss provision to net charge-offs | 8,550.0000% | 69 |
| Earnings coverage of net charge-offs (x) | -459.0000% | 7,030 |
| Efficiency ratio | 238.2010% | 153 |
| Assets per employee ($millions) | 2.9054% | 6,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 47.6705% | 7,211 |
| Net loans and leases to deposits | 62.6634% | 6,900 |
| Net loans and leases to core deposits | 99.7824% | 4,839 |
| Total domestic deposits to total assets | 76.0738% | 6,219 |
| Equity capital to assets | 15.8934% | 961 |
| Core capital (leverage) ratio | 19.1774% | 498 |
| Tier 1 risk-based capital ratio | 23.7766% | 1,112 |
| Total risk-based capital ratio | 24.7085% | 1,114 |
| Memoranda: | ||
| Average total assets | $96,892,000 | 5,144 |
| Average earning assets | $85,208,600 | 5,264 |
| Average equity | $24,347,000 | 2,704 |
| Average total loans | $41,319,400 | 6,104 |