Home > United American Bank > Performance and Condition Ratios
United American 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 | 3.5820% | 4,740 |
| Cost of funding earning assets | 0.2808% | 4,501 |
| Net interest margin | 3.3012% | 4,185 |
| Noninterest income to average assets | 0.0431% | 5,488 |
| Noninterest expense to average assets | 3.4190% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.1575% | 5,440 |
| Return on assets (ROA) | -0.1575% | 5,435 |
| Pretax return on assets | -0.2068% | 5,440 |
| Return on Equity (ROE) | -1.6116% | 5,444 |
| Retained earnings to average equity (ytd only) | -1.6116% | 4,971 |
| Net charge-offs to loans | -0.0604% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4368% | 123 |
| Assets per employee ($millions) | 7.9920% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,104 |
| Loan loss allowance to noncurrent loans | 1,028.6713% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 3,312 |
| Noncurrent loans to loans | 0.1292% | 4,387 |
| Net loans and leases to total assets | 68.3024% | 2,727 |
| Net loans and leases to deposits | 76.1918% | 3,193 |
| Net loans and leases to core deposits | 81.5861% | 3,176 |
| Total domestic deposits to total assets | 89.6453% | 814 |
| Equity capital to assets | 9.8245% | 3,769 |
| Core capital (leverage) ratio | 10.1015% | 3,424 |
| Tier 1 risk-based capital ratio | 13.7016% | 3,544 |
| Total risk-based capital ratio | 14.9526% | 3,450 |
| Memoranda: | ||
| Average total assets | $325,004,000 | 2,049 |
| Average earning assets | $312,003,500 | 1,993 |
| Average equity | $31,769,000 | 2,254 |
| Average total loans | $225,043,500 | 1,999 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6213% | 4,530 |
| Cost of funding earning assets | 0.2525% | 4,539 |
| Net interest margin | 3.3688% | 3,939 |
| Noninterest income to average assets | 0.3134% | 4,219 |
| Noninterest expense to average assets | 2.6400% | 3,316 |
| Loan and lease loss provision to assets | -0.7528% | 5,660 |
| Net operating income to assets | 1.4765% | 854 |
| Return on assets (ROA) | 1.4765% | 871 |
| Pretax return on assets | 1.6694% | 1,097 |
| Return on Equity (ROE) | 15.9350% | 494 |
| Retained earnings to average equity (ytd only) | 15.9350% | 69 |
| Net charge-offs to loans | -0.7143% | 5,623 |
| Credit loss provision to net charge-offs | 151.8027% | 1,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2283% | 1,865 |
| Assets per employee ($millions) | 8.0568% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2710% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,765 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 68.3829% | 2,770 |
| Net loans and leases to deposits | 76.2962% | 3,302 |
| Net loans and leases to core deposits | 83.2899% | 3,126 |
| Total domestic deposits to total assets | 89.6282% | 718 |
| Equity capital to assets | 9.7270% | 3,999 |
| Core capital (leverage) ratio | 9.3668% | 4,208 |
| Tier 1 risk-based capital ratio | 13.5170% | 3,619 |
| Total risk-based capital ratio | 14.7674% | 3,526 |
| Memoranda: | ||
| Average total assets | $318,792,000 | 2,071 |
| Average earning assets | $306,908,600 | 2,007 |
| Average equity | $29,538,800 | 2,389 |
| Average total loans | $221,332,600 | 1,992 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,553 |
| Cost of funding earning assets | 0.2327% | 4,723 |
| Net interest margin | 3.3694% | 3,952 |
| Noninterest income to average assets | 0.4132% | 3,603 |
| Noninterest expense to average assets | 2.5581% | 3,542 |
| Loan and lease loss provision to assets | -1.0129% | 5,731 |
| Net operating income to assets | 1.2577% | 1,477 |
| Return on assets (ROA) | 1.2577% | 1,505 |
| Pretax return on assets | 2.1136% | 438 |
| Return on Equity (ROE) | 13.7526% | 889 |
| Retained earnings to average equity (ytd only) | 13.7526% | 169 |
| Net charge-offs to loans | -0.9417% | 5,686 |
| Credit loss provision to net charge-offs | 154.8387% | 1,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9158% | 2,551 |
| Assets per employee ($millions) | 8.6261% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 3,970 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 66.8705% | 2,994 |
| Net loans and leases to deposits | 74.0141% | 3,562 |
| Net loans and leases to core deposits | 79.9189% | 3,459 |
| Total domestic deposits to total assets | 90.3483% | 367 |
| Equity capital to assets | 9.1081% | 4,815 |
| Core capital (leverage) ratio | 9.6001% | 4,033 |
| Tier 1 risk-based capital ratio | 12.9570% | 4,041 |
| Total risk-based capital ratio | 14.2075% | 3,947 |
| Memoranda: | ||
| Average total assets | $315,908,000 | 2,097 |
| Average earning assets | $304,295,500 | 2,034 |
| Average equity | $28,890,750 | 2,452 |
| Average total loans | $219,466,750 | 2,009 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6530% | 4,358 |
| Cost of funding earning assets | 0.2122% | 4,865 |
| Net interest margin | 3.4408% | 3,627 |
| Noninterest income to average assets | 0.6089% | 2,413 |
| Noninterest expense to average assets | 2.5936% | 3,451 |
| Loan and lease loss provision to assets | -0.8412% | 5,774 |
| Net operating income to assets | 1.2819% | 1,352 |
| Return on assets (ROA) | 1.2819% | 1,377 |
| Pretax return on assets | 2.1717% | 370 |
| Return on Equity (ROE) | 13.9964% | 812 |
| Retained earnings to average equity (ytd only) | 13.9964% | 182 |
| Net charge-offs to loans | -0.9018% | 5,728 |
| Credit loss provision to net charge-offs | 133.0604% | 1,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0950% | 3,334 |
| Assets per employee ($millions) | 8.0038% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 1,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2970% | 3,948 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 69.1722% | 2,641 |
| Net loans and leases to deposits | 78.0071% | 3,116 |
| Net loans and leases to core deposits | 82.4770% | 3,211 |
| Total domestic deposits to total assets | 88.6742% | 1,115 |
| Equity capital to assets | 9.5067% | 4,395 |
| Core capital (leverage) ratio | 9.8517% | 3,715 |
| Tier 1 risk-based capital ratio | 13.1646% | 3,908 |
| Total risk-based capital ratio | 14.4195% | 3,803 |
| Memoranda: | ||
| Average total assets | $309,072,000 | 2,135 |
| Average earning assets | $297,783,670 | 2,072 |
| Average equity | $28,307,330 | 2,488 |
| Average total loans | $216,675,330 | 2,034 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 3,808 |
| Cost of funding earning assets | 0.1932% | 5,036 |
| Net interest margin | 3.5931% | 2,910 |
| Noninterest income to average assets | 0.0976% | 5,601 |
| Noninterest expense to average assets | 2.5597% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8064% | 3,193 |
| Return on assets (ROA) | 0.8064% | 3,253 |
| Pretax return on assets | 0.9976% | 3,380 |
| Return on Equity (ROE) | 8.9779% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.9779% | 1,090 |
| Net charge-offs to loans | -3.2264% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9561% | 2,586 |
| Assets per employee ($millions) | 7.9157% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5334% | 302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 3,996 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 68.0939% | 2,666 |
| Net loans and leases to deposits | 77.6945% | 3,014 |
| Net loans and leases to core deposits | 80.3417% | 3,257 |
| Total domestic deposits to total assets | 87.6432% | 1,921 |
| Equity capital to assets | 9.0641% | 4,747 |
| Core capital (leverage) ratio | 9.3366% | 4,295 |
| Tier 1 risk-based capital ratio | 12.9515% | 4,104 |
| Total risk-based capital ratio | 14.2186% | 3,996 |
| Memoranda: | ||
| Average total assets | $307,534,500 | 2,160 |
| Average earning assets | $296,121,500 | 2,094 |
| Average equity | $27,623,500 | 2,540 |
| Average total loans | $215,351,500 | 2,059 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 4,666 |
| Cost of funding earning assets | 0.2010% | 5,006 |
| Net interest margin | 3.3377% | 4,037 |
| Noninterest income to average assets | 0.1073% | 5,624 |
| Noninterest expense to average assets | 2.8434% | 2,864 |
| Loan and lease loss provision to assets | -0.5913% | 5,887 |
| Net operating income to assets | 1.0810% | 1,982 |
| Return on assets (ROA) | 1.0810% | 2,080 |
| Pretax return on assets | 1.0810% | 3,171 |
| Return on Equity (ROE) | 12.5676% | 1,099 |
| Retained earnings to average equity (ytd only) | 12.5676% | 188 |
| Net charge-offs to loans | -0.1546% | 5,689 |
| Credit loss provision to net charge-offs | 546.1538% | 613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3073% | 877 |
| Assets per employee ($millions) | 7.8553% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7333% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 4,063 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 68.9712% | 2,624 |
| Net loans and leases to deposits | 76.1552% | 3,302 |
| Net loans and leases to core deposits | 78.8293% | 3,495 |
| Total domestic deposits to total assets | 90.5666% | 426 |
| Equity capital to assets | 8.8997% | 4,910 |
| Core capital (leverage) ratio | 8.8587% | 4,899 |
| Tier 1 risk-based capital ratio | 12.3917% | 4,450 |
| Total risk-based capital ratio | 13.6481% | 4,330 |
| Memoranda: | ||
| Average total assets | $300,171,800 | 2,163 |
| Average earning assets | $290,106,000 | 2,101 |
| Average equity | $25,820,400 | 2,649 |
| Average total loans | $210,266,600 | 2,045 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5167% | 4,764 |
| Cost of funding earning assets | 0.2045% | 5,022 |
| Net interest margin | 3.3122% | 4,148 |
| Noninterest income to average assets | 0.1058% | 5,690 |
| Noninterest expense to average assets | 2.8856% | 2,682 |
| Loan and lease loss provision to assets | -0.0335% | 5,696 |
| Net operating income to assets | 0.3045% | 5,273 |
| Return on assets (ROA) | 0.3045% | 5,360 |
| Pretax return on assets | 0.4572% | 5,217 |
| Return on Equity (ROE) | 3.5716% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.5716% | 3,751 |
| Net charge-offs to loans | -0.1862% | 5,741 |
| Credit loss provision to net charge-offs | 25.6849% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1964% | 725 |
| Assets per employee ($millions) | 7.7877% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5598% | 315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 4,228 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 65.9129% | 3,135 |
| Net loans and leases to deposits | 72.4364% | 3,758 |
| Net loans and leases to core deposits | 74.9880% | 3,923 |
| Total domestic deposits to total assets | 90.9941% | 198 |
| Equity capital to assets | 8.3324% | 5,614 |
| Core capital (leverage) ratio | 8.1864% | 5,583 |
| Tier 1 risk-based capital ratio | 11.7332% | 4,961 |
| Total risk-based capital ratio | 13.0008% | 4,847 |
| Memoranda: | ||
| Average total assets | $298,625,500 | 2,180 |
| Average earning assets | $288,823,000 | 2,116 |
| Average equity | $25,459,250 | 2,693 |
| Average total loans | $209,077,000 | 2,060 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 4,829 |
| Cost of funding earning assets | 0.2099% | 5,044 |
| Net interest margin | 3.3035% | 4,220 |
| Noninterest income to average assets | 0.0972% | 5,791 |
| Noninterest expense to average assets | 2.9035% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2582% | 5,414 |
| Return on assets (ROA) | 0.2582% | 5,485 |
| Pretax return on assets | 0.3914% | 5,357 |
| Return on Equity (ROE) | 3.0047% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.0047% | 4,004 |
| Net charge-offs to loans | -0.0911% | 5,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1213% | 717 |
| Assets per employee ($millions) | 7.5651% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5495% | 343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 4,176 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 66.6063% | 2,999 |
| Net loans and leases to deposits | 73.4990% | 3,652 |
| Net loans and leases to core deposits | 77.8346% | 3,655 |
| Total domestic deposits to total assets | 90.6220% | 285 |
| Equity capital to assets | 8.5095% | 5,591 |
| Core capital (leverage) ratio | 8.3458% | 5,495 |
| Tier 1 risk-based capital ratio | 11.8734% | 4,927 |
| Total risk-based capital ratio | 13.1408% | 4,798 |
| Memoranda: | ||
| Average total assets | $294,331,330 | 2,214 |
| Average earning assets | $284,906,670 | 2,146 |
| Average equity | $25,293,670 | 2,716 |
| Average total loans | $208,530,000 | 2,068 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5409% | 4,783 |
| Cost of funding earning assets | 0.2149% | 5,056 |
| Net interest margin | 3.3260% | 4,122 |
| Noninterest income to average assets | 0.0855% | 5,869 |
| Noninterest expense to average assets | 2.9525% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2316% | 5,472 |
| Return on assets (ROA) | 0.2316% | 5,533 |
| Pretax return on assets | 0.3542% | 5,392 |
| Return on Equity (ROE) | 2.6810% | 5,340 |
| Retained earnings to average equity (ytd only) | 2.6810% | 4,172 |
| Net charge-offs to loans | -0.0764% | 5,534 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2872% | 719 |
| Assets per employee ($millions) | 7.5877% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 386 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 4,204 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.6657% | 2,549 |
| Net loans and leases to deposits | 75.6246% | 3,261 |
| Net loans and leases to core deposits | 79.2081% | 3,394 |
| Total domestic deposits to total assets | 90.7982% | 328 |
| Equity capital to assets | 8.5358% | 5,545 |
| Core capital (leverage) ratio | 8.5320% | 5,366 |
| Tier 1 risk-based capital ratio | 11.7452% | 5,084 |
| Total risk-based capital ratio | 13.0124% | 4,976 |
| Memoranda: | ||
| Average total assets | $290,196,000 | 2,245 |
| Average earning assets | $281,057,000 | 2,173 |
| Average equity | $25,065,500 | 2,741 |
| Average total loans | $209,382,500 | 2,060 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 4,985 |
| Cost of funding earning assets | 0.2321% | 4,987 |
| Net interest margin | 3.2445% | 4,490 |
| Noninterest income to average assets | 0.1489% | 5,669 |
| Noninterest expense to average assets | 2.9689% | 2,648 |
| Loan and lease loss provision to assets | -0.5231% | 6,126 |
| Net operating income to assets | 0.8372% | 3,173 |
| Return on assets (ROA) | 0.8372% | 3,242 |
| Pretax return on assets | 0.8372% | 4,081 |
| Return on Equity (ROE) | 10.2446% | 1,901 |
| Retained earnings to average equity (ytd only) | 10.2446% | 432 |
| Net charge-offs to loans | -0.0948% | 5,759 |
| Credit loss provision to net charge-offs | 797.8723% | 429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4302% | 666 |
| Assets per employee ($millions) | 6.7732% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4611% | 421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 4,178 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 72.1249% | 2,028 |
| Net loans and leases to deposits | 79.3702% | 2,900 |
| Net loans and leases to core deposits | 84.7733% | 2,909 |
| Total domestic deposits to total assets | 90.8715% | 312 |
| Equity capital to assets | 8.7432% | 5,353 |
| Core capital (leverage) ratio | 8.1928% | 5,707 |
| Tier 1 risk-based capital ratio | 11.7625% | 5,097 |
| Total risk-based capital ratio | 13.0297% | 5,004 |
| Memoranda: | ||
| Average total assets | $286,775,200 | 2,225 |
| Average earning assets | $277,023,000 | 2,156 |
| Average equity | $23,436,800 | 2,843 |
| Average total loans | $198,329,600 | 2,089 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3978% | 5,210 |
| Cost of funding earning assets | 0.2313% | 5,080 |
| Net interest margin | 3.1665% | 4,784 |
| Noninterest income to average assets | 0.1656% | 5,652 |
| Noninterest expense to average assets | 2.9199% | 2,785 |
| Loan and lease loss provision to assets | -0.6960% | 6,240 |
| Net operating income to assets | 0.6579% | 4,089 |
| Return on assets (ROA) | 0.6579% | 4,206 |
| Pretax return on assets | 0.9971% | 3,626 |
| Return on Equity (ROE) | 8.1923% | 2,974 |
| Retained earnings to average equity (ytd only) | 8.1923% | 1,173 |
| Net charge-offs to loans | -0.3707% | 6,116 |
| Credit loss provision to net charge-offs | 276.2431% | 1,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6511% | 656 |
| Assets per employee ($millions) | 7.2064% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 360 |
| Loan loss allowance to noncurrent loans | 1,376.1194% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 3,940 |
| Noncurrent loans to loans | 0.1917% | 4,877 |
| Net loans and leases to total assets | 67.4424% | 2,783 |
| Net loans and leases to deposits | 73.6539% | 3,579 |
| Net loans and leases to core deposits | 78.0765% | 3,603 |
| Total domestic deposits to total assets | 91.5667% | 148 |
| Equity capital to assets | 7.9569% | 5,971 |
| Core capital (leverage) ratio | 7.8781% | 5,953 |
| Tier 1 risk-based capital ratio | 11.4891% | 5,381 |
| Total risk-based capital ratio | 12.7592% | 5,294 |
| Memoranda: | ||
| Average total assets | $287,350,750 | 2,244 |
| Average earning assets | $277,269,250 | 2,169 |
| Average equity | $23,078,000 | 2,896 |
| Average total loans | $195,323,750 | 2,131 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3931% | 5,245 |
| Cost of funding earning assets | 0.2303% | 5,142 |
| Net interest margin | 3.1628% | 4,781 |
| Noninterest income to average assets | 0.1949% | 5,516 |
| Noninterest expense to average assets | 2.9414% | 2,747 |
| Loan and lease loss provision to assets | -1.0629% | 6,328 |
| Net operating income to assets | 0.8964% | 2,894 |
| Return on assets (ROA) | 0.8964% | 3,021 |
| Pretax return on assets | 1.3626% | 2,137 |
| Return on Equity (ROE) | 11.1243% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.1243% | 489 |
| Net charge-offs to loans | -0.2047% | 6,030 |
| Credit loss provision to net charge-offs | 769.2308% | 443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7521% | 701 |
| Assets per employee ($millions) | 7.3930% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6780% | 384 |
| Loan loss allowance to noncurrent loans | 1,258.2524% | 458 |
| Noncurrent assets plus other real estate owned to assets | 0.4991% | 3,951 |
| Noncurrent loans to loans | 0.2128% | 4,919 |
| Net loans and leases to total assets | 63.7068% | 3,304 |
| Net loans and leases to deposits | 69.7093% | 3,965 |
| Net loans and leases to core deposits | 74.6463% | 3,890 |
| Total domestic deposits to total assets | 91.3891% | 212 |
| Equity capital to assets | 8.0661% | 5,953 |
| Core capital (leverage) ratio | 8.0674% | 5,895 |
| Tier 1 risk-based capital ratio | 12.1807% | 5,011 |
| Total risk-based capital ratio | 13.4508% | 4,897 |
| Memoranda: | ||
| Average total assets | $282,244,330 | 2,286 |
| Average earning assets | $271,847,000 | 2,220 |
| Average equity | $22,743,000 | 2,935 |
| Average total loans | $190,545,000 | 2,178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4309% | 5,141 |
| Cost of funding earning assets | 0.2267% | 5,250 |
| Net interest margin | 3.2042% | 4,597 |
| Noninterest income to average assets | 0.2483% | 5,180 |
| Noninterest expense to average assets | 2.9502% | 2,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2468% | 5,572 |
| Return on assets (ROA) | 0.2468% | 5,661 |
| Pretax return on assets | 0.3760% | 5,477 |
| Return on Equity (ROE) | 3.0647% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.0647% | 4,141 |
| Net charge-offs to loans | -0.3174% | 6,159 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6949% | 961 |
| Assets per employee ($millions) | 6.8039% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4157% | 195 |
| Loan loss allowance to noncurrent loans | 1,562.3529% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 3,939 |
| Noncurrent loans to loans | 0.2186% | 4,994 |
| Net loans and leases to total assets | 65.7025% | 2,822 |
| Net loans and leases to deposits | 71.6711% | 3,564 |
| Net loans and leases to core deposits | 75.5239% | 3,636 |
| Total domestic deposits to total assets | 91.6721% | 197 |
| Equity capital to assets | 7.9720% | 6,047 |
| Core capital (leverage) ratio | 8.1664% | 5,839 |
| Tier 1 risk-based capital ratio | 11.7893% | 5,377 |
| Total risk-based capital ratio | 13.0690% | 5,256 |
| Memoranda: | ||
| Average total assets | $275,507,000 | 2,345 |
| Average earning assets | $264,652,000 | 2,283 |
| Average equity | $22,188,000 | 3,001 |
| Average total loans | $189,029,000 | 2,191 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 5,329 |
| Cost of funding earning assets | 0.2510% | 5,313 |
| Net interest margin | 3.2432% | 4,778 |
| Noninterest income to average assets | 0.1623% | 5,887 |
| Noninterest expense to average assets | 3.3480% | 1,804 |
| Loan and lease loss provision to assets | -0.9681% | 6,488 |
| Net operating income to assets | 0.8798% | 2,977 |
| Return on assets (ROA) | 0.8798% | 3,060 |
| Pretax return on assets | 0.8798% | 3,963 |
| Return on Equity (ROE) | 12.0123% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.0123% | 298 |
| Net charge-offs to loans | -0.7847% | 6,435 |
| Credit loss provision to net charge-offs | 181.1594% | 1,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7085% | 312 |
| Assets per employee ($millions) | 6.4695% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5331% | 181 |
| Loan loss allowance to noncurrent loans | 1,478.1321% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 3,906 |
| Noncurrent loans to loans | 0.2390% | 4,974 |
| Net loans and leases to total assets | 66.7955% | 2,759 |
| Net loans and leases to deposits | 73.1016% | 3,545 |
| Net loans and leases to core deposits | 77.4536% | 3,569 |
| Total domestic deposits to total assets | 91.3734% | 254 |
| Equity capital to assets | 8.1414% | 5,992 |
| Core capital (leverage) ratio | 7.8534% | 6,076 |
| Tier 1 risk-based capital ratio | 12.0615% | 5,318 |
| Total risk-based capital ratio | 13.3439% | 5,206 |
| Memoranda: | ||
| Average total assets | $258,242,400 | 2,449 |
| Average earning assets | $246,640,200 | 2,373 |
| Average equity | $18,914,000 | 3,297 |
| Average total loans | $175,874,400 | 2,273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 5,475 |
| Cost of funding earning assets | 0.2501% | 5,411 |
| Net interest margin | 3.2078% | 4,941 |
| Noninterest income to average assets | 0.1892% | 5,784 |
| Noninterest expense to average assets | 3.4126% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0962% | 6,217 |
| Return on assets (ROA) | -0.0962% | 6,221 |
| Pretax return on assets | -0.1632% | 6,243 |
| Return on Equity (ROE) | -1.3520% | 6,249 |
| Retained earnings to average equity (ytd only) | -1.3520% | 6,012 |
| Net charge-offs to loans | -0.4799% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0232% | 281 |
| Assets per employee ($millions) | 6.4213% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4143% | 113 |
| Loan loss allowance to noncurrent loans | 247.6692% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 1.6274% | 1,857 |
| Noncurrent loans to loans | 1.7823% | 1,817 |
| Net loans and leases to total assets | 66.1184% | 2,847 |
| Net loans and leases to deposits | 71.2753% | 3,767 |
| Net loans and leases to core deposits | 74.9768% | 3,850 |
| Total domestic deposits to total assets | 92.7648% | 94 |
| Equity capital to assets | 6.7662% | 6,415 |
| Core capital (leverage) ratio | 6.9089% | 6,391 |
| Tier 1 risk-based capital ratio | 10.1864% | 6,298 |
| Total risk-based capital ratio | 11.4502% | 6,262 |
| Memoranda: | ||
| Average total assets | $256,490,500 | 2,484 |
| Average earning assets | $244,686,250 | 2,405 |
| Average equity | $18,243,750 | 3,389 |
| Average total loans | $173,927,000 | 2,305 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3070% | 5,777 |
| Cost of funding earning assets | 0.2502% | 5,482 |
| Net interest margin | 3.0569% | 5,381 |
| Noninterest income to average assets | 0.1079% | 6,255 |
| Noninterest expense to average assets | 3.5503% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3419% | 6,390 |
| Return on assets (ROA) | -0.3419% | 6,395 |
| Pretax return on assets | -0.5339% | 6,431 |
| Return on Equity (ROE) | -4.7253% | 6,426 |
| Retained earnings to average equity (ytd only) | -4.7253% | 6,219 |
| Net charge-offs to loans | -0.0742% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.7012% | 159 |
| Assets per employee ($millions) | 5.2683% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1599% | 158 |
| Loan loss allowance to noncurrent loans | 116.8621% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 3.0382% | 837 |
| Noncurrent loans to loans | 3.5597% | 738 |
| Net loans and leases to total assets | 69.8983% | 2,104 |
| Net loans and leases to deposits | 75.6434% | 3,107 |
| Net loans and leases to core deposits | 78.6176% | 3,367 |
| Total domestic deposits to total assets | 92.4050% | 126 |
| Equity capital to assets | 7.1474% | 6,422 |
| Core capital (leverage) ratio | 6.9283% | 6,444 |
| Tier 1 risk-based capital ratio | 10.1015% | 6,368 |
| Total risk-based capital ratio | 11.3923% | 6,315 |
| Memoranda: | ||
| Average total assets | $252,089,000 | 2,525 |
| Average earning assets | $239,854,330 | 2,447 |
| Average equity | $18,242,330 | 3,397 |
| Average total loans | $169,718,330 | 2,339 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 5,971 |
| Cost of funding earning assets | 0.2545% | 5,541 |
| Net interest margin | 2.9698% | 5,597 |
| Noninterest income to average assets | 0.1128% | 6,290 |
| Noninterest expense to average assets | 3.4756% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3480% | 6,422 |
| Return on assets (ROA) | -0.3480% | 6,421 |
| Pretax return on assets | -0.5435% | 6,467 |
| Return on Equity (ROE) | -4.7800% | 6,458 |
| Retained earnings to average equity (ytd only) | -4.7800% | 6,107 |
| Net charge-offs to loans | -0.1355% | 6,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5366% | 185 |
| Assets per employee ($millions) | 5.2588% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7005% | 111 |
| Loan loss allowance to noncurrent loans | 183.5249% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 2.0973% | 1,598 |
| Noncurrent loans to loans | 2.5612% | 1,344 |
| Net loans and leases to total assets | 61.5575% | 3,305 |
| Net loans and leases to deposits | 66.6467% | 4,008 |
| Net loans and leases to core deposits | 68.9560% | 4,214 |
| Total domestic deposits to total assets | 92.3639% | 185 |
| Equity capital to assets | 7.2173% | 6,400 |
| Core capital (leverage) ratio | 6.8696% | 6,496 |
| Tier 1 risk-based capital ratio | 10.7200% | 6,268 |
| Total risk-based capital ratio | 12.0166% | 6,212 |
| Memoranda: | ||
| Average total assets | $251,695,500 | 2,539 |
| Average earning assets | $238,937,000 | 2,456 |
| Average equity | $18,326,500 | 3,379 |
| Average total loans | $162,363,500 | 2,430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,838 |
| Cost of funding earning assets | 0.2954% | 5,636 |
| Net interest margin | 3.1041% | 5,298 |
| Noninterest income to average assets | 0.1665% | 6,088 |
| Noninterest expense to average assets | 3.5826% | 1,479 |
| Loan and lease loss provision to assets | 0.2100% | 1,760 |
| Net operating income to assets | -0.4735% | 6,483 |
| Return on assets (ROA) | -0.4735% | 6,493 |
| Pretax return on assets | -0.6648% | 6,529 |
| Return on Equity (ROE) | -6.6439% | 6,527 |
| Retained earnings to average equity (ytd only) | -6.6439% | 6,441 |
| Net charge-offs to loans | 1.0290% | 552 |
| Credit loss provision to net charge-offs | 32.6797% | 4,189 |
| Earnings coverage of net charge-offs (x) | -0.7077% | 5,229 |
| Efficiency ratio | 114.5403% | 220 |
| Assets per employee ($millions) | 5.1218% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7062% | 110 |
| Loan loss allowance to noncurrent loans | 216.0420% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 1.8596% | 1,964 |
| Noncurrent loans to loans | 2.1784% | 1,795 |
| Net loans and leases to total assets | 61.3898% | 3,465 |
| Net loans and leases to deposits | 66.5253% | 4,239 |
| Net loans and leases to core deposits | 69.0358% | 4,389 |
| Total domestic deposits to total assets | 92.2804% | 238 |
| Equity capital to assets | 7.3455% | 6,349 |
| Core capital (leverage) ratio | 6.5648% | 6,586 |
| Tier 1 risk-based capital ratio | 10.9446% | 6,196 |
| Total risk-based capital ratio | 12.2414% | 6,124 |
| Memoranda: | ||
| Average total assets | $261,876,400 | 2,418 |
| Average earning assets | $249,833,000 | 2,327 |
| Average equity | $18,663,800 | 3,320 |
| Average total loans | $163,558,600 | 2,372 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 5,815 |
| Cost of funding earning assets | 0.3041% | 5,696 |
| Net interest margin | 3.1287% | 5,237 |
| Noninterest income to average assets | 0.1864% | 6,079 |
| Noninterest expense to average assets | 3.5146% | 1,585 |
| Loan and lease loss provision to assets | 0.2771% | 1,255 |
| Net operating income to assets | -0.3996% | 6,567 |
| Return on assets (ROA) | -0.3996% | 6,576 |
| Pretax return on assets | -0.6188% | 6,626 |
| Return on Equity (ROE) | -5.6477% | 6,610 |
| Retained earnings to average equity (ytd only) | -5.6477% | 6,520 |
| Net charge-offs to loans | 1.1599% | 475 |
| Credit loss provision to net charge-offs | 38.5424% | 3,735 |
| Earnings coverage of net charge-offs (x) | -0.4751% | 4,949 |
| Efficiency ratio | 110.7670% | 257 |
| Assets per employee ($millions) | 5.4571% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8066% | 133 |
| Loan loss allowance to noncurrent loans | 166.5961% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 2.1937% | 1,816 |
| Noncurrent loans to loans | 2.8852% | 1,420 |
| Net loans and leases to total assets | 58.2514% | 3,972 |
| Net loans and leases to deposits | 62.9656% | 4,636 |
| Net loans and leases to core deposits | 65.3936% | 4,764 |
| Total domestic deposits to total assets | 92.5130% | 181 |
| Equity capital to assets | 7.0550% | 6,533 |
| Core capital (leverage) ratio | 6.7671% | 6,631 |
| Tier 1 risk-based capital ratio | 10.8200% | 6,356 |
| Total risk-based capital ratio | 12.1164% | 6,303 |
| Memoranda: | ||
| Average total assets | $264,603,000 | 2,414 |
| Average earning assets | $252,576,250 | 2,315 |
| Average equity | $18,721,000 | 3,343 |
| Average total loans | $164,028,500 | 2,376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4514% | 5,790 |
| Cost of funding earning assets | 0.3253% | 5,612 |
| Net interest margin | 3.1261% | 5,201 |
| Noninterest income to average assets | 0.2412% | 5,725 |
| Noninterest expense to average assets | 3.4884% | 1,629 |
| Loan and lease loss provision to assets | 0.3413% | 985 |
| Net operating income to assets | -0.3929% | 6,600 |
| Return on assets (ROA) | -0.3929% | 6,622 |
| Pretax return on assets | -0.6068% | 6,662 |
| Return on Equity (ROE) | -5.5481% | 6,649 |
| Retained earnings to average equity (ytd only) | -5.5481% | 6,491 |
| Net charge-offs to loans | 1.0697% | 564 |
| Credit loss provision to net charge-offs | 51.2528% | 3,188 |
| Earnings coverage of net charge-offs (x) | -0.3986% | 4,649 |
| Efficiency ratio | 108.2372% | 304 |
| Assets per employee ($millions) | 5.3650% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0303% | 111 |
| Loan loss allowance to noncurrent loans | 82.4393% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 4.2714% | 784 |
| Noncurrent loans to loans | 6.1018% | 451 |
| Net loans and leases to total assets | 59.7084% | 3,712 |
| Net loans and leases to deposits | 64.8013% | 4,403 |
| Net loans and leases to core deposits | 67.5857% | 4,544 |
| Total domestic deposits to total assets | 92.1407% | 227 |
| Equity capital to assets | 7.2902% | 6,517 |
| Core capital (leverage) ratio | 7.1142% | 6,582 |
| Tier 1 risk-based capital ratio | 11.1567% | 6,265 |
| Total risk-based capital ratio | 12.4622% | 6,208 |
| Memoranda: | ||
| Average total assets | $263,671,330 | 2,419 |
| Average earning assets | $251,494,330 | 2,334 |
| Average equity | $18,673,000 | 3,374 |
| Average total loans | $164,162,000 | 2,382 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 5,746 |
| Cost of funding earning assets | 0.3471% | 5,563 |
| Net interest margin | 3.1371% | 5,136 |
| Noninterest income to average assets | 0.3666% | 4,742 |
| Noninterest expense to average assets | 3.4552% | 1,714 |
| Loan and lease loss provision to assets | 0.4544% | 623 |
| Net operating income to assets | -0.3605% | 6,607 |
| Return on assets (ROA) | -0.3605% | 6,639 |
| Pretax return on assets | -0.5590% | 6,694 |
| Return on Equity (ROE) | -5.1663% | 6,701 |
| Retained earnings to average equity (ytd only) | -5.1663% | 6,377 |
| Net charge-offs to loans | 0.7433% | 817 |
| Credit loss provision to net charge-offs | 98.6842% | 1,891 |
| Earnings coverage of net charge-offs (x) | -0.2270% | 3,876 |
| Efficiency ratio | 103.1193% | 454 |
| Assets per employee ($millions) | 5.4601% | 1,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3025% | 110 |
| Loan loss allowance to noncurrent loans | 71.9236% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 5.0720% | 717 |
| Noncurrent loans to loans | 7.3724% | 380 |
| Net loans and leases to total assets | 59.5423% | 3,509 |
| Net loans and leases to deposits | 64.6368% | 4,238 |
| Net loans and leases to core deposits | 67.2108% | 4,393 |
| Total domestic deposits to total assets | 92.1182% | 225 |
| Equity capital to assets | 7.4231% | 6,616 |
| Core capital (leverage) ratio | 7.2042% | 6,581 |
| Tier 1 risk-based capital ratio | 11.7424% | 6,066 |
| Total risk-based capital ratio | 13.0511% | 6,004 |
| Memoranda: | ||
| Average total assets | $264,064,000 | 2,452 |
| Average earning assets | $251,191,000 | 2,360 |
| Average equity | $18,427,000 | 3,464 |
| Average total loans | $163,603,500 | 2,396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 5,566 |
| Cost of funding earning assets | 0.4721% | 5,406 |
| Net interest margin | 3.4296% | 4,780 |
| Noninterest income to average assets | 0.1349% | 6,364 |
| Noninterest expense to average assets | 3.7673% | 1,303 |
| Loan and lease loss provision to assets | 1.6586% | 168 |
| Net operating income to assets | -1.1361% | 6,782 |
| Return on assets (ROA) | -1.1361% | 6,794 |
| Pretax return on assets | -2.0405% | 6,931 |
| Return on Equity (ROE) | -16.9797% | 6,853 |
| Retained earnings to average equity (ytd only) | -16.9797% | 6,809 |
| Net charge-offs to loans | 2.2392% | 298 |
| Credit loss provision to net charge-offs | 109.4527% | 2,678 |
| Earnings coverage of net charge-offs (x) | -0.2520% | 5,593 |
| Efficiency ratio | 111.2794% | 315 |
| Assets per employee ($millions) | 5.2165% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3831% | 105 |
| Loan loss allowance to noncurrent loans | 69.6154% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 5.8028% | 613 |
| Noncurrent loans to loans | 7.7326% | 385 |
| Net loans and leases to total assets | 57.7631% | 4,024 |
| Net loans and leases to deposits | 62.1216% | 4,774 |
| Net loans and leases to core deposits | 64.4806% | 4,907 |
| Total domestic deposits to total assets | 92.9838% | 132 |
| Equity capital to assets | 6.5399% | 6,838 |
| Core capital (leverage) ratio | 6.2711% | 6,826 |
| Tier 1 risk-based capital ratio | 10.7222% | 6,462 |
| Total risk-based capital ratio | 12.0340% | 6,406 |
| Memoranda: | ||
| Average total assets | $265,284,400 | 2,390 |
| Average earning assets | $251,427,600 | 2,307 |
| Average equity | $17,750,600 | 3,504 |
| Average total loans | $179,528,400 | 2,207 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 5,597 |
| Cost of funding earning assets | 0.4924% | 5,485 |
| Net interest margin | 3.4789% | 4,717 |
| Noninterest income to average assets | 0.1333% | 6,471 |
| Noninterest expense to average assets | 3.7515% | 1,287 |
| Loan and lease loss provision to assets | 1.8106% | 156 |
| Net operating income to assets | -1.2106% | 6,910 |
| Return on assets (ROA) | -1.2106% | 6,929 |
| Pretax return on assets | -2.1315% | 7,051 |
| Return on Equity (ROE) | -17.9906% | 6,965 |
| Retained earnings to average equity (ytd only) | -17.9906% | 6,946 |
| Net charge-offs to loans | 1.7366% | 467 |
| Credit loss provision to net charge-offs | 150.3759% | 1,874 |
| Earnings coverage of net charge-offs (x) | -0.2665% | 5,431 |
| Efficiency ratio | 109.3535% | 319 |
| Assets per employee ($millions) | 5.7898% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5342% | 101 |
| Loan loss allowance to noncurrent loans | 73.8007% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 6.0816% | 650 |
| Noncurrent loans to loans | 7.4989% | 447 |
| Net loans and leases to total assets | 62.6917% | 3,263 |
| Net loans and leases to deposits | 67.6243% | 4,242 |
| Net loans and leases to core deposits | 70.2966% | 4,468 |
| Total domestic deposits to total assets | 92.7059% | 136 |
| Equity capital to assets | 6.9083% | 6,893 |
| Core capital (leverage) ratio | 6.7902% | 6,834 |
| Tier 1 risk-based capital ratio | 10.7218% | 6,596 |
| Total risk-based capital ratio | 12.0297% | 6,550 |
| Memoranda: | ||
| Average total assets | $265,095,000 | 2,417 |
| Average earning assets | $251,257,750 | 2,339 |
| Average equity | $17,838,500 | 3,527 |
| Average total loans | $183,806,250 | 2,181 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0106% | 5,610 |
| Cost of funding earning assets | 0.5173% | 5,506 |
| Net interest margin | 3.4933% | 4,696 |
| Noninterest income to average assets | 0.1358% | 6,509 |
| Noninterest expense to average assets | 3.9038% | 1,072 |
| Loan and lease loss provision to assets | 1.8004% | 180 |
| Net operating income to assets | -1.1980% | 6,956 |
| Return on assets (ROA) | -1.1980% | 6,973 |
| Pretax return on assets | -2.2602% | 7,095 |
| Return on Equity (ROE) | -17.9590% | 7,013 |
| Retained earnings to average equity (ytd only) | -17.9590% | 6,986 |
| Net charge-offs to loans | 1.9345% | 441 |
| Credit loss provision to net charge-offs | 132.3773% | 2,070 |
| Earnings coverage of net charge-offs (x) | -0.3381% | 5,198 |
| Efficiency ratio | 113.3522% | 290 |
| Assets per employee ($millions) | 5.4423% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0703% | 155 |
| Loan loss allowance to noncurrent loans | 57.9824% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 7.0103% | 558 |
| Noncurrent loans to loans | 8.7445% | 363 |
| Net loans and leases to total assets | 64.1389% | 3,004 |
| Net loans and leases to deposits | 68.9438% | 4,048 |
| Net loans and leases to core deposits | 71.4709% | 4,360 |
| Total domestic deposits to total assets | 93.0307% | 125 |
| Equity capital to assets | 6.5934% | 6,969 |
| Core capital (leverage) ratio | 6.5069% | 6,927 |
| Tier 1 risk-based capital ratio | 10.0858% | 6,807 |
| Total risk-based capital ratio | 11.3882% | 6,775 |
| Memoranda: | ||
| Average total assets | $266,613,330 | 2,400 |
| Average earning assets | $252,483,670 | 2,332 |
| Average equity | $17,785,000 | 3,526 |
| Average total loans | $187,439,670 | 2,137 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9417% | 5,922 |
| Cost of funding earning assets | 0.5254% | 5,637 |
| Net interest margin | 3.4164% | 5,046 |
| Noninterest income to average assets | 0.1366% | 6,566 |
| Noninterest expense to average assets | 3.8588% | 1,117 |
| Loan and lease loss provision to assets | 1.7824% | 179 |
| Net operating income to assets | -2.2413% | 7,173 |
| Return on assets (ROA) | -2.2413% | 7,176 |
| Pretax return on assets | -2.2398% | 7,159 |
| Return on Equity (ROE) | -33.4118% | 7,179 |
| Retained earnings to average equity (ytd only) | -33.4118% | 7,154 |
| Net charge-offs to loans | 2.0092% | 467 |
| Credit loss provision to net charge-offs | 123.8390% | 1,927 |
| Earnings coverage of net charge-offs (x) | -0.3179% | 4,472 |
| Efficiency ratio | 113.4498% | 295 |
| Assets per employee ($millions) | 5.0963% | 2,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5477% | 242 |
| Loan loss allowance to noncurrent loans | 39.7806% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 9.3570% | 351 |
| Noncurrent loans to loans | 11.4319% | 229 |
| Net loans and leases to total assets | 68.0584% | 2,103 |
| Net loans and leases to deposits | 73.1228% | 3,260 |
| Net loans and leases to core deposits | 76.0407% | 3,612 |
| Total domestic deposits to total assets | 93.0742% | 140 |
| Equity capital to assets | 6.5322% | 7,005 |
| Core capital (leverage) ratio | 6.4666% | 6,974 |
| Tier 1 risk-based capital ratio | 9.6567% | 6,942 |
| Total risk-based capital ratio | 10.9531% | 6,932 |
| Memoranda: | ||
| Average total assets | $269,305,000 | 2,390 |
| Average earning assets | $257,350,000 | 2,305 |
| Average equity | $18,065,500 | 3,495 |
| Average total loans | $192,910,000 | 2,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 5,039 |
| Cost of funding earning assets | 0.6564% | 5,788 |
| Net interest margin | 3.8529% | 3,553 |
| Noninterest income to average assets | 0.1498% | 6,398 |
| Noninterest expense to average assets | 4.4064% | 644 |
| Loan and lease loss provision to assets | 1.7717% | 375 |
| Net operating income to assets | -2.3437% | 7,088 |
| Return on assets (ROA) | -2.3437% | 7,099 |
| Pretax return on assets | -2.3434% | 7,092 |
| Return on Equity (ROE) | -51.7429% | 7,209 |
| Retained earnings to average equity (ytd only) | -51.7429% | 7,206 |
| Net charge-offs to loans | 2.5859% | 435 |
| Credit loss provision to net charge-offs | 83.9993% | 4,280 |
| Earnings coverage of net charge-offs (x) | -0.2710% | 5,993 |
| Efficiency ratio | 114.9059% | 355 |
| Assets per employee ($millions) | 5.2616% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2476% | 314 |
| Loan loss allowance to noncurrent loans | 29.4354% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 11.6546% | 232 |
| Noncurrent loans to loans | 14.4301% | 142 |
| Net loans and leases to total assets | 68.8974% | 2,225 |
| Net loans and leases to deposits | 74.3043% | 3,446 |
| Net loans and leases to core deposits | 77.1325% | 3,810 |
| Total domestic deposits to total assets | 92.7233% | 155 |
| Equity capital to assets | 6.8786% | 6,989 |
| Core capital (leverage) ratio | 6.8808% | 6,904 |
| Tier 1 risk-based capital ratio | 10.1055% | 6,826 |
| Total risk-based capital ratio | 11.3980% | 6,800 |
| Memoranda: | ||
| Average total assets | $288,305,200 | 2,209 |
| Average earning assets | $275,737,400 | 2,128 |
| Average equity | $13,058,800 | 4,333 |
| Average total loans | $235,163,400 | 1,777 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 4,897 |
| Cost of funding earning assets | 0.6800% | 5,877 |
| Net interest margin | 3.9117% | 3,327 |
| Noninterest income to average assets | 0.1470% | 6,520 |
| Noninterest expense to average assets | 4.3865% | 643 |
| Loan and lease loss provision to assets | 1.9270% | 290 |
| Net operating income to assets | -2.4238% | 7,201 |
| Return on assets (ROA) | -2.4238% | 7,208 |
| Pretax return on assets | -2.4234% | 7,196 |
| Return on Equity (ROE) | -60.9129% | 7,324 |
| Retained earnings to average equity (ytd only) | -60.9129% | 7,321 |
| Net charge-offs to loans | 2.7179% | 381 |
| Credit loss provision to net charge-offs | 84.5861% | 3,977 |
| Earnings coverage of net charge-offs (x) | -0.2179% | 5,727 |
| Efficiency ratio | 112.7597% | 385 |
| Assets per employee ($millions) | 4.9048% | 2,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9178% | 419 |
| Loan loss allowance to noncurrent loans | 30.1971% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 11.6971% | 242 |
| Noncurrent loans to loans | 12.9740% | 202 |
| Net loans and leases to total assets | 79.3170% | 580 |
| Net loans and leases to deposits | 82.5159% | 2,256 |
| Net loans and leases to core deposits | 86.2538% | 2,741 |
| Total domestic deposits to total assets | 96.1232% | 31 |
| Equity capital to assets | 3.5162% | 7,347 |
| Core capital (leverage) ratio | 3.3656% | 7,337 |
| Tier 1 risk-based capital ratio | 4.4803% | 7,348 |
| Total risk-based capital ratio | 5.7681% | 7,350 |
| Memoranda: | ||
| Average total assets | $291,981,250 | 2,195 |
| Average earning assets | $279,390,750 | 2,105 |
| Average equity | $11,618,500 | 4,657 |
| Average total loans | $244,737,750 | 1,721 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 5,242 |
| Cost of funding earning assets | 0.7106% | 5,899 |
| Net interest margin | 3.8249% | 3,669 |
| Noninterest income to average assets | 0.1701% | 6,442 |
| Noninterest expense to average assets | 4.5000% | 593 |
| Loan and lease loss provision to assets | 2.4051% | 219 |
| Net operating income to assets | -3.0702% | 7,313 |
| Return on assets (ROA) | -3.0702% | 7,317 |
| Pretax return on assets | -3.0695% | 7,311 |
| Return on Equity (ROE) | -74.6105% | 7,413 |
| Retained earnings to average equity (ytd only) | -74.6105% | 7,410 |
| Net charge-offs to loans | 4.1344% | 192 |
| Credit loss provision to net charge-offs | 69.0972% | 4,080 |
| Earnings coverage of net charge-offs (x) | -0.1909% | 5,400 |
| Efficiency ratio | 117.3220% | 372 |
| Assets per employee ($millions) | 5.1867% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2108% | 755 |
| Loan loss allowance to noncurrent loans | 23.9970% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 12.1615% | 256 |
| Noncurrent loans to loans | 13.3800% | 190 |
| Net loans and leases to total assets | 81.5364% | 407 |
| Net loans and leases to deposits | 84.7836% | 1,978 |
| Net loans and leases to core deposits | 88.0096% | 2,648 |
| Total domestic deposits to total assets | 96.1699% | 29 |
| Equity capital to assets | 3.4953% | 7,415 |
| Core capital (leverage) ratio | 3.3742% | 7,409 |
| Tier 1 risk-based capital ratio | 4.3356% | 7,424 |
| Total risk-based capital ratio | 5.6135% | 7,423 |
| Memoranda: | ||
| Average total assets | $301,021,670 | 2,141 |
| Average earning assets | $288,479,670 | 2,047 |
| Average equity | $12,387,000 | 4,453 |
| Average total loans | $253,435,330 | 1,693 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5757% | 5,049 |
| Cost of funding earning assets | 0.7653% | 5,774 |
| Net interest margin | 3.8104% | 3,566 |
| Noninterest income to average assets | 0.1476% | 6,671 |
| Noninterest expense to average assets | 3.7682% | 1,399 |
| Loan and lease loss provision to assets | 2.5199% | 200 |
| Net operating income to assets | -2.4863% | 7,339 |
| Return on assets (ROA) | -2.4863% | 7,338 |
| Pretax return on assets | -2.4850% | 7,323 |
| Return on Equity (ROE) | -56.4914% | 7,430 |
| Retained earnings to average equity (ytd only) | -56.4914% | 7,418 |
| Net charge-offs to loans | -0.1738% | 7,232 |
| Credit loss provision to net charge-offs | -1,722.1239% | 6,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0807% | 781 |
| Assets per employee ($millions) | 5.0258% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4058% | 306 |
| Loan loss allowance to noncurrent loans | 32.1892% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 12.8209% | 222 |
| Noncurrent loans to loans | 13.6872% | 197 |
| Net loans and leases to total assets | 81.9836% | 345 |
| Net loans and leases to deposits | 85.8626% | 1,757 |
| Net loans and leases to core deposits | 88.7158% | 2,518 |
| Total domestic deposits to total assets | 95.4823% | 45 |
| Equity capital to assets | 4.1937% | 7,425 |
| Core capital (leverage) ratio | 3.9934% | 7,441 |
| Tier 1 risk-based capital ratio | 5.1261% | 7,453 |
| Total risk-based capital ratio | 6.4199% | 7,451 |
| Memoranda: | ||
| Average total assets | $308,898,000 | 2,106 |
| Average earning assets | $296,350,500 | 2,021 |
| Average equity | $13,595,000 | 4,190 |
| Average total loans | $259,996,000 | 1,673 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6414% | 5,984 |
| Cost of funding earning assets | 0.9248% | 6,052 |
| Net interest margin | 3.7166% | 4,281 |
| Noninterest income to average assets | 0.1363% | 6,712 |
| Noninterest expense to average assets | 3.6312% | 1,845 |
| Loan and lease loss provision to assets | 4.1391% | 151 |
| Net operating income to assets | -4.6136% | 7,499 |
| Return on assets (ROA) | -4.6136% | 7,513 |
| Pretax return on assets | -4.1103% | 7,453 |
| Return on Equity (ROE) | -61.9885% | 7,492 |
| Retained earnings to average equity (ytd only) | -61.9885% | 7,490 |
| Net charge-offs to loans | 4.9140% | 186 |
| Credit loss provision to net charge-offs | 111.0092% | 3,960 |
| Earnings coverage of net charge-offs (x) | 0.0077% | 6,119 |
| Efficiency ratio | 99.2149% | 811 |
| Assets per employee ($millions) | 5.9670% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5714% | 566 |
| Loan loss allowance to noncurrent loans | 25.9342% | 6,543 |
| Noncurrent assets plus other real estate owned to assets | 12.4140% | 254 |
| Noncurrent loans to loans | 13.7712% | 204 |
| Net loans and leases to total assets | 79.6980% | 700 |
| Net loans and leases to deposits | 83.8235% | 2,481 |
| Net loans and leases to core deposits | 91.9909% | 2,504 |
| Total domestic deposits to total assets | 95.0782% | 59 |
| Equity capital to assets | 4.5989% | 7,471 |
| Core capital (leverage) ratio | 4.3101% | 7,474 |
| Tier 1 risk-based capital ratio | 5.8041% | 7,486 |
| Total risk-based capital ratio | 7.0868% | 7,490 |
| Memoranda: | ||
| Average total assets | $365,420,400 | 1,795 |
| Average earning assets | $346,445,400 | 1,728 |
| Average equity | $27,197,000 | 2,361 |
| Average total loans | $277,266,800 | 1,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 6,172 |
| Cost of funding earning assets | 0.9921% | 5,970 |
| Net interest margin | 3.6632% | 4,580 |
| Noninterest income to average assets | 0.1956% | 6,487 |
| Noninterest expense to average assets | 3.1286% | 3,196 |
| Loan and lease loss provision to assets | 1.4826% | 905 |
| Net operating income to assets | -0.9520% | 6,874 |
| Return on assets (ROA) | -0.9520% | 6,917 |
| Pretax return on assets | -0.9538% | 6,836 |
| Return on Equity (ROE) | -11.8441% | 7,007 |
| Retained earnings to average equity (ytd only) | -11.8441% | 6,969 |
| Net charge-offs to loans | 2.2083% | 812 |
| Credit loss provision to net charge-offs | 90.1675% | 4,757 |
| Earnings coverage of net charge-offs (x) | 0.3216% | 5,707 |
| Efficiency ratio | 85.5419% | 1,678 |
| Assets per employee ($millions) | 6.3711% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6548% | 1,133 |
| Loan loss allowance to noncurrent loans | 51.7978% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 5.7961% | 1,047 |
| Noncurrent loans to loans | 5.1252% | 1,339 |
| Net loans and leases to total assets | 78.6144% | 942 |
| Net loans and leases to deposits | 85.9391% | 2,359 |
| Net loans and leases to core deposits | 88.2192% | 3,337 |
| Total domestic deposits to total assets | 91.4769% | 317 |
| Equity capital to assets | 8.3336% | 6,468 |
| Core capital (leverage) ratio | 7.8664% | 6,503 |
| Tier 1 risk-based capital ratio | 10.0268% | 7,055 |
| Total risk-based capital ratio | 11.2944% | 7,029 |
| Memoranda: | ||
| Average total assets | $377,713,250 | 1,767 |
| Average earning assets | $356,943,000 | 1,698 |
| Average equity | $30,360,250 | 2,171 |
| Average total loans | $281,238,750 | 1,610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 6,487 |
| Cost of funding earning assets | 1.1137% | 5,606 |
| Net interest margin | 3.4755% | 5,339 |
| Noninterest income to average assets | 0.2149% | 6,385 |
| Noninterest expense to average assets | 2.9110% | 4,034 |
| Loan and lease loss provision to assets | 1.3884% | 967 |
| Net operating income to assets | -0.7965% | 6,864 |
| Return on assets (ROA) | -0.7965% | 6,876 |
| Pretax return on assets | -0.7981% | 6,785 |
| Return on Equity (ROE) | -10.0183% | 6,968 |
| Retained earnings to average equity (ytd only) | -10.0183% | 6,917 |
| Net charge-offs to loans | 3.3020% | 455 |
| Credit loss provision to net charge-offs | 57.9151% | 5,254 |
| Earnings coverage of net charge-offs (x) | 0.2462% | 5,484 |
| Efficiency ratio | 83.1400% | 2,022 |
| Assets per employee ($millions) | 6.9308% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 2,025 |
| Loan loss allowance to noncurrent loans | 59.8268% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 4.2240% | 1,595 |
| Noncurrent loans to loans | 3.4667% | 2,289 |
| Net loans and leases to total assets | 75.4776% | 1,599 |
| Net loans and leases to deposits | 82.2983% | 3,221 |
| Net loans and leases to core deposits | 84.7084% | 4,039 |
| Total domestic deposits to total assets | 91.7122% | 289 |
| Equity capital to assets | 8.1125% | 6,642 |
| Core capital (leverage) ratio | 7.5921% | 6,746 |
| Tier 1 risk-based capital ratio | 9.7401% | 7,166 |
| Total risk-based capital ratio | 10.9995% | 7,147 |
| Memoranda: | ||
| Average total assets | $388,937,670 | 1,734 |
| Average earning assets | $367,773,330 | 1,673 |
| Average equity | $30,923,330 | 2,131 |
| Average total loans | $282,371,330 | 1,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4691% | 6,856 |
| Cost of funding earning assets | 1.2749% | 4,965 |
| Net interest margin | 3.1942% | 6,312 |
| Noninterest income to average assets | 0.2992% | 5,756 |
| Noninterest expense to average assets | 2.6667% | 5,075 |
| Loan and lease loss provision to assets | 0.3002% | 3,634 |
| Net operating income to assets | 0.3202% | 5,207 |
| Return on assets (ROA) | 0.3202% | 5,340 |
| Pretax return on assets | 0.3582% | 5,422 |
| Return on Equity (ROE) | 4.0654% | 4,865 |
| Retained earnings to average equity (ytd only) | 4.0654% | 3,713 |
| Net charge-offs to loans | 1.9986% | 857 |
| Credit loss provision to net charge-offs | 21.2917% | 4,934 |
| Earnings coverage of net charge-offs (x) | 0.4670% | 4,609 |
| Efficiency ratio | 80.1986% | 2,541 |
| Assets per employee ($millions) | 7.6525% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3998% | 1,421 |
| Loan loss allowance to noncurrent loans | 72.4238% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 3.7637% | 1,846 |
| Noncurrent loans to loans | 3.3136% | 2,413 |
| Net loans and leases to total assets | 68.7427% | 3,221 |
| Net loans and leases to deposits | 75.4981% | 4,499 |
| Net loans and leases to core deposits | 77.9943% | 5,020 |
| Total domestic deposits to total assets | 91.0522% | 520 |
| Equity capital to assets | 7.9542% | 6,707 |
| Core capital (leverage) ratio | 7.9024% | 6,382 |
| Tier 1 risk-based capital ratio | 10.6314% | 6,511 |
| Total risk-based capital ratio | 11.8949% | 6,487 |
| Memoranda: | ||
| Average total assets | $399,740,000 | 1,729 |
| Average earning assets | $378,688,000 | 1,669 |
| Average equity | $31,485,000 | 2,112 |
| Average total loans | $281,994,000 | 1,669 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 6,959 |
| Cost of funding earning assets | 2.1773% | 2,126 |
| Net interest margin | 2.6194% | 7,314 |
| Noninterest income to average assets | 0.1295% | 7,104 |
| Noninterest expense to average assets | 3.1524% | 3,538 |
| Loan and lease loss provision to assets | 1.1100% | 2,062 |
| Net operating income to assets | -1.5140% | 6,864 |
| Return on assets (ROA) | -1.5140% | 6,874 |
| Pretax return on assets | -1.6650% | 6,794 |
| Return on Equity (ROE) | -17.4061% | 7,053 |
| Retained earnings to average equity (ytd only) | -17.4061% | 7,008 |
| Net charge-offs to loans | 0.3465% | 4,499 |
| Credit loss provision to net charge-offs | 438.1443% | 716 |
| Earnings coverage of net charge-offs (x) | -2.1907% | 7,011 |
| Efficiency ratio | 121.3675% | 586 |
| Assets per employee ($millions) | 7.7221% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7616% | 963 |
| Loan loss allowance to noncurrent loans | 83.4754% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 4.2971% | 1,524 |
| Noncurrent loans to loans | 3.3082% | 2,308 |
| Net loans and leases to total assets | 68.7036% | 3,548 |
| Net loans and leases to deposits | 76.8427% | 4,597 |
| Net loans and leases to core deposits | 93.4781% | 4,728 |
| Total domestic deposits to total assets | 89.4081% | 1,264 |
| Equity capital to assets | 7.7993% | 6,768 |
| Core capital (leverage) ratio | 7.3974% | 6,890 |
| Tier 1 risk-based capital ratio | 10.1632% | 6,720 |
| Total risk-based capital ratio | 11.4298% | 6,674 |
| Memoranda: | ||
| Average total assets | $382,884,400 | 1,787 |
| Average earning assets | $360,727,200 | 1,738 |
| Average equity | $33,304,400 | 2,015 |
| Average total loans | $279,906,600 | 1,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 7,027 |
| Cost of funding earning assets | 2.3019% | 1,979 |
| Net interest margin | 2.5411% | 7,417 |
| Noninterest income to average assets | 0.1093% | 7,358 |
| Noninterest expense to average assets | 2.8586% | 4,626 |
| Loan and lease loss provision to assets | 1.0047% | 1,910 |
| Net operating income to assets | -0.7791% | 6,673 |
| Return on assets (ROA) | -0.7791% | 6,680 |
| Pretax return on assets | -1.3618% | 6,889 |
| Return on Equity (ROE) | -8.7175% | 6,789 |
| Retained earnings to average equity (ytd only) | -8.7175% | 6,677 |
| Net charge-offs to loans | 0.4335% | 3,511 |
| Credit loss provision to net charge-offs | 314.2227% | 1,313 |
| Earnings coverage of net charge-offs (x) | -1.1169% | 6,650 |
| Efficiency ratio | 114.2756% | 689 |
| Assets per employee ($millions) | 8.1237% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2751% | 1,324 |
| Loan loss allowance to noncurrent loans | 85.7256% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 3.9367% | 1,639 |
| Noncurrent loans to loans | 2.6540% | 2,852 |
| Net loans and leases to total assets | 66.0727% | 4,414 |
| Net loans and leases to deposits | 75.3446% | 5,147 |
| Net loans and leases to core deposits | 104.9483% | 3,830 |
| Total domestic deposits to total assets | 87.6941% | 1,804 |
| Equity capital to assets | 8.2570% | 6,551 |
| Core capital (leverage) ratio | 8.1188% | 6,152 |
| Tier 1 risk-based capital ratio | 11.2195% | 5,724 |
| Total risk-based capital ratio | 12.4808% | 5,664 |
| Memoranda: | ||
| Average total assets | $378,217,750 | 1,819 |
| Average earning assets | $356,052,500 | 1,771 |
| Average equity | $33,801,000 | 2,004 |
| Average total loans | $278,954,500 | 1,747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9970% | 6,779 |
| Cost of funding earning assets | 2.3559% | 2,142 |
| Net interest margin | 2.6411% | 7,311 |
| Noninterest income to average assets | 0.0996% | 7,483 |
| Noninterest expense to average assets | 3.1242% | 3,603 |
| Loan and lease loss provision to assets | 1.3756% | 1,255 |
| Net operating income to assets | -1.0917% | 7,049 |
| Return on assets (ROA) | -1.0917% | 7,047 |
| Pretax return on assets | -1.9192% | 7,259 |
| Return on Equity (ROE) | -11.8656% | 7,165 |
| Retained earnings to average equity (ytd only) | -11.8656% | 7,048 |
| Net charge-offs to loans | 0.1388% | 4,785 |
| Credit loss provision to net charge-offs | 1,302.0833% | 379 |
| Earnings coverage of net charge-offs (x) | -5.1458% | 6,459 |
| Efficiency ratio | 121.0661% | 648 |
| Assets per employee ($millions) | 8.2977% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 968 |
| Loan loss allowance to noncurrent loans | 115.3277% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 3.7572% | 1,628 |
| Noncurrent loans to loans | 2.0996% | 3,381 |
| Net loans and leases to total assets | 66.6530% | 4,426 |
| Net loans and leases to deposits | 77.3161% | 4,972 |
| Net loans and leases to core deposits | 115.4612% | 2,764 |
| Total domestic deposits to total assets | 86.2084% | 2,671 |
| Equity capital to assets | 8.4537% | 6,115 |
| Core capital (leverage) ratio | 8.7158% | 5,065 |
| Tier 1 risk-based capital ratio | 10.3153% | 6,576 |
| Total risk-based capital ratio | 11.5759% | 6,505 |
| Memoranda: | ||
| Average total assets | $363,480,330 | 1,904 |
| Average earning assets | $341,445,670 | 1,857 |
| Average equity | $33,441,330 | 2,035 |
| Average total loans | $276,736,330 | 1,788 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3534% | 5,641 |
| Cost of funding earning assets | 2.3466% | 2,519 |
| Net interest margin | 3.0068% | 6,464 |
| Noninterest income to average assets | 0.0924% | 7,591 |
| Noninterest expense to average assets | 2.9546% | 3,961 |
| Loan and lease loss provision to assets | 0.1184% | 5,452 |
| Net operating income to assets | -0.0829% | 6,386 |
| Return on assets (ROA) | -0.0829% | 6,502 |
| Pretax return on assets | -0.1599% | 6,530 |
| Return on Equity (ROE) | -0.8582% | 6,520 |
| Retained earnings to average equity (ytd only) | -0.8582% | 5,853 |
| Net charge-offs to loans | 0.0029% | 5,690 |
| Credit loss provision to net charge-offs | 5,000.0000% | 146 |
| Earnings coverage of net charge-offs (x) | -17.5000% | 5,654 |
| Efficiency ratio | 101.4228% | 1,068 |
| Assets per employee ($millions) | 7.2867% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,166 |
| Loan loss allowance to noncurrent loans | 101.8608% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 2.9369% | 1,933 |
| Noncurrent loans to loans | 1.6639% | 3,775 |
| Net loans and leases to total assets | 71.2274% | 3,420 |
| Net loans and leases to deposits | 84.2301% | 3,944 |
| Net loans and leases to core deposits | 133.0814% | 1,472 |
| Total domestic deposits to total assets | 84.5629% | 3,430 |
| Equity capital to assets | 9.7502% | 4,306 |
| Core capital (leverage) ratio | 10.8735% | 2,603 |
| Tier 1 risk-based capital ratio | 11.6707% | 5,233 |
| Total risk-based capital ratio | 12.9244% | 5,147 |
| Memoranda: | ||
| Average total assets | $337,779,000 | 2,062 |
| Average earning assets | $316,883,500 | 2,011 |
| Average equity | $32,625,500 | 2,079 |
| Average total loans | $273,407,500 | 1,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1466% | 819 |
| Cost of funding earning assets | 2.6838% | 3,239 |
| Net interest margin | 4.4627% | 1,505 |
| Noninterest income to average assets | 0.0979% | 7,643 |
| Noninterest expense to average assets | 3.7449% | 1,865 |
| Loan and lease loss provision to assets | 1.3057% | 1,087 |
| Net operating income to assets | -0.4523% | 6,884 |
| Return on assets (ROA) | -0.4523% | 6,762 |
| Pretax return on assets | -0.7316% | 6,833 |
| Return on Equity (ROE) | -4.6310% | 6,823 |
| Retained earnings to average equity (ytd only) | -4.6310% | 6,445 |
| Net charge-offs to loans | 0.7581% | 1,634 |
| Credit loss provision to net charge-offs | 200.5571% | 2,429 |
| Earnings coverage of net charge-offs (x) | 0.8819% | 5,696 |
| Efficiency ratio | 86.7064% | 1,785 |
| Assets per employee ($millions) | 5.2044% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6729% | 1,988 |
| Loan loss allowance to noncurrent loans | 155.9932% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 2.6304% | 1,815 |
| Noncurrent loans to loans | 1.0724% | 4,426 |
| Net loans and leases to total assets | 90.2478% | 182 |
| Net loans and leases to deposits | 106.6176% | 1,069 |
| Net loans and leases to core deposits | 152.3745% | 770 |
| Total domestic deposits to total assets | 84.6463% | 3,007 |
| Equity capital to assets | 9.5422% | 4,620 |
| Core capital (leverage) ratio | 9.4922% | 4,020 |
| Tier 1 risk-based capital ratio | 9.2835% | 7,539 |
| Total risk-based capital ratio | 10.5378% | 7,458 |
| Memoranda: | ||
| Average total assets | $275,710,600 | 2,343 |
| Average earning assets | $260,782,600 | 2,287 |
| Average equity | $26,927,200 | 2,484 |
| Average total loans | $236,774,800 | 1,994 |